Senior Health Insurance Benefits Assistance Program SHIBA Volunteer Training Program

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Senior Health Insurance Benefits Assistance Program

Department

SHIBA Volunteer Training Program - Section 3

Section 3: Medigaps and Other Insurance to Supplemental Medicare

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Section 3: Medigaps and Other Insurance to Supplemental Medicare Questions

1. What important change was created in Medigap insurance when Congress passed the 1990 Omnibus Reconciliation Act (OBRA)?

2. What does "guaranteed renewable" mean?

3. What document must a Medicare supplement insurer or its agent provide at the point of sale?

4. What is a free look and how long does it last?

a.

b.

5. If a Medicare policy replaces another Medicare supplement policy and the waiting period on pre-existing conditions has been exhausted, does the applicant have to meet a new pre-existing condition waiting period?

6. What does "open enrollment" mean and when does it begin and end?

a.

b.

7. What are "guaranteed issue rights"?

8. Name three of the Guaranteed Issue situations.

a.

b.

c.

9. How do the premiums differ between attained age, issue age, and community age policies?

a.

b.

c.

10. What does it mean to have COBRA benefits?

11. What are EGHPs?

12. What are three ways the Oregon Insurance Division regulates the insurance industry?

a.

b.

c.

Page updated: October 21, 2009

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