What Do You Mean It's Not Covered: The Role Medicare Plays in Health Coverage

Medicare: The program of medical care coverage provided under the Title XVIII of the Social Security Act of 1965, as amended.

Medicare is an important element in health insurance. Under many policies, benefits provided will terminate or be reduced when a policyholder or insured person becomes eligible for Medicare. mental or nervous disorder: A neurosis, psychoneurosis, psychopathy psychosis, or mental or emotional disease or disorder of any kind.

Mental or nervous disorders are defined specifically because many policies limit benefits for such treatment. physician or surgeon: A person who is a practitioner of the healing arts who is licensed by the state to treat the injury or sickness causing the loss.

A physician or surgeon must be a licensed medical practitioner. This issue has caused disputes in a few, loudly trumpeted cases involving non-physician medical staff (and, in a few cases, sales representatives for medical device makers) performing surgery or other specialized procedures. These situations are very rare, though.

Policy date: The date shown on page EI2,5. It will be used to determine anniversary dates and premium due dates.

Policy term: The period of time for which you selected coverage. Your policy term is shown on page EI2,5.

Thepolicy date is usually the original effective date. It is treated as an anniversary date and used to determine premium due dates. The insurance company may have a right to refuse renewal or to raise the premiums on an anniversary date. The policy term is the period for which coverage is to be effective. Many policies are issued for an annual term and are renewable. Some policies may be issued for longer terms and may not be renewable. These items are also important for the same reasons mentioned in the discussion of the phrase "policy... in force."