Insurance Department
The Insurance Department is a state by state agency that regulates insurance. They can provide info about Medigap policies as well as other private health insurance.
The Insurance Department is a state by state agency that regulates insurance. They can provide info about Medigap policies as well as other private health insurance.
The State Health Insurance Assistance Program (SHIP) is a state program that receives money from the federal government to provide local health insurance counseling to people with Medicare at no cost.
A Skilled nursing facility (SNF) is a nursing facility that has the staff and equipment needed to provide Skilled nursing care. In most cases, they also provide skilled rehabilitative services & other related health services.
Skilled nursing care includes care that may only be provided by a physician or registered nurse (like intravenous injections).
A Service area is the geographic location where an insurance plan accepts members if it limits membership based on where people live. This plan may disenroll you if you move out of the plan’s service area. For plans that limit which hospitals and physicians you have access to, it’s also typically the area where you…
The Secondary payer is the insurance policy, program, or plan that pays 2nd on a medical care Claim. Medicare, Medicaid, or other insurance could be the secondary payer depending on the situation.
This article has been thoroughly reviewed by the author and a licensed Medicare insurance expert to ensure our content adheres to the highest quality standards for accuracy and honest advice.

Licensed Agent, REMEDIGAP Founder
Michael Quinn is a nationally licensed insurance expert with over a decade of experience and has helped over 1000 clients with their Medicare Supplement needs. Michael has been consulted as an expert insurance source for dozens of high-profile websites such as USA Today, Yahoo.com, NerdWallet, Bankrate, ThinkAdvisor, The Epoch Times, and many more.

Joann Quinn
Licensed Agent, REMEDIGAP Founder
Joann Quinn is a nationally licensed insurance expert with over a decade of experience and has personally helped thousands of clients with their Medicare Supplement questions and needs. Joann has been consulted as a Medicare expert for high-profile websites and runs a very popular YouTube channel that focuses on understanding the complexities of Medicare.