> Preferred Provider Organization (PPO) PPOs are comparable to indemnity plans, although they require subscribers to choose their health-care providers and health-care facilities from a preferred-provider list. Because the preferred providers have agreed to the plan's requirements, including discounted fees, subscribers have a financial incentive to stay within the network.
> Employment practices This kind of coverage will help defend against employment-related claims such as sexual harassment, age discrimination, or wrongful termination. Some policies offer legal assistance; others may pay both legal costs and damages.
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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About property and liability exposures
If you operate a home-based business – either part-time or full-time – you might be uninsured for coverage and not realize it. Many home-based business owners mistakenly believe that their homeowner policy will provide coverage for their business operations. It’s true that your homeowner’s policy may provide a limited amount of coverage for business-related personal property in the home. But it may not provide full coverage for the added property and liability exposures that the home business represents.
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