> Stand-Alone Prescription This plan type provides prescription-drug coverage, which generally means the insured person can obtain prescription drugs at a set price of a few dollars, but does not include any other coverage.
> Professional liability Often called “malpractice insurance” or “errors and omissions coverage,” these policies protect professionals such as accountants, lawyers, doctors, dentists, pharmacists, insurance brokers and agents, and consultants, for negligence that injures their clients.
> Earthquake coverage Quake coverage is available as additional coverage to standard commercial property and casualty policies. Earthquake coverage is available throughout Washington state, although it is relatively expensive for masonry structures and business operations with high-risk inventory or equipment.
When you have a Medigap policy, the insurance company must pay your doctor or provider directly when:
Your doctor or provider has signed an agreement with Medicare to accept assignment of all Medicare claims for all their Medicare patients, and
You tell your doctor's office to put on the Medicare claim form that you want Medigap insurance benefits paid to the doctor or supplier. Your doctor should put your Medigap policy number and the company name on the Medicare claim form. You will need to sign the claim form or have your doctor keep your signature on record. Make sure this information is correct.
When these conditions are met, the Medicare carrier will process the claim and send it to the Medigap insurance company. A Medicare carrier is a private company that has a contract with Medicare to pay Part B bills. The carrier will send you a Medicare Summary Notice. Your Medigap insurance company will pay your doctor or provider directly and then send you a notice. If you don't get this notice, you may ask your Medigap insurance company for it.
In most cases, Medicare claims are sent directly to the insurance company, even if the doctor doesn't accept assignment on all claims.
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Did You Know?
LLC envelope offers substantial advantages over other entities
There are at least five common circumstances when a tax regime other than an S corporation may be more appropriate: 1) the business cannot qualify as an S corporation; 2) the one-class-of-stock limitation for S corporations cannot accommodate certain business terms agreed to by the parties; 3) the business involves appreciating assets (i.e., assets that have, or are likely to have, a fair market value in excess of basis), such as real estate; 4) the business has considerable debt and the owners anticipate significant losses;15 and 5) the wage-reduction tax strategy explained previously will not benefit the owners because either the primary income of the business is excluded from self-employment tax16 or, in the case of newly formed companies, one or more employee-owners already receive aggregate wages or self-employment income from an existing business in an amount which approaches the taxable wage base limitation
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Latest Insurance related news in
Oregon and nationwide:
Mar 02, 2007 - The Medigap Insurance Company When you have a Medigap policy, the insurance company must pay your doctor or provider directly when:
Mar 02, 2007 - More Americans Struggle With Health Care Costs TUESDAY, Dec. 12/2006 (HealthDay) More Americans are forced to spend more of their family income on health care, and more Read more >
Jul 14, 2006 - Hurricane Insurance Claims Paid in Mississippi Approaching $3 Billion Mark Jackson –Commissioner of Insurance George Dale announced today that insurance companieshave paid out nearly $3 billio Read more >
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general information related to insurance issues commonly encountered.
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