- The state insurance department is a government agency that is responsible for regulating the insurance industry within a state. In the context of Medigap policies and other private health insurance, the state insurance department can provide information and assistance to individuals who have questions about their coverage.
- Medigap policies are private health insurance policies that are designed to supplement Original Medicare (consisting of Part A and Part B). They can help cover out-of-pocket costs, such as deductibles, copayments, and coinsurance, that are not covered under Original Medicare. Medigap policies are standardized by the federal government, but they are sold by private insurance companies.
- Individuals with Medigap policies or other private health insurance can contact their state insurance department for assistance with a variety of issues, including the following:
- Understanding their policy benefits and coverage limits
- Enrolling in a Medigap policy or making changes to their coverage
- Filing appeals or resolving disputes with their insurance plan
- Understanding billing and claims processes
- Finding financial assistance for premiums, deductibles, and copayments
- The state insurance department can also provide information on other types of health insurance coverage that may be available in the state, such as Medicare Advantage plans or employer-sponsored health plans.
