Insurance regulation (61 - 70 of 70 items)
Long-Term Care Insurance: Risks to Consumers Should Be Reduced
T-HRD-91-14: Published: Apr 11, 1991. Publicly Released: Apr 11, 1991.
GAO discussed long-term care insurance policies, focusing on whether: (1) states and insurers met National Association of Insurance Commissioners (NAIC) standards; (2) consumer protection issues were adequately addressed; and (3) there was a need for minimum federal standards. GAO noted that: (1) while states made substantial progress in adopting long-term care insurance standards, many states sti...
Medigap Insurance: Better Consumer Protection Should Result From 1990 Changes to Baucus Amendment
HRD-91-49: Published: Mar 5, 1991. Publicly Released: Mar 13, 1991.
Pursuant to a congressional request, GAO reviewed industry, state, and federal compliance with federal standards controlling Medigap insurance policies as required by the Medicare Catastrophic Coverage Act (MCCA), focusing on: (1) activities to identify and prevent abusive sales practices; (2) monitoring of Medigap advertising; (3) efforts to educate the elderly about Medigap policies; (4) state r...
Long-Term Care Insurance: Proposals to Link Private Insurance and Medicaid Need Close Scrutiny
HRD-90-154: Published: Sep 10, 1990. Publicly Released: Sep 17, 1990.
Pursuant to a congressional request, GAO provided information on eight proposed state demonstration projects, funded by a foundation's planning grants, using private insurance in conjunction with such public programs as Medicaid to finance long-term health care costs.GAO found that: (1) the effect of the projects on Medicaid costs was uncertain and would depend on factors such as the participants'...
Health Insurance: Cost Increases Lead to Coverage Limitations and Cost Shifting
HRD-90-68: Published: May 22, 1990. Publicly Released: May 22, 1990.
Pursuant to a congressional request, GAO examined the potential effects of private employers' attempts to control employee health care plan costs.GAO found that: (1) private employers' health care spending almost doubled between 1980 and 1987; (2) although medium- and large-sized firms generally continued to offer health benefits to permanent full-time employees, such firms were reassessing the ex...
Federal Compensation: Premium Taxes Paid by the Health Benefits Program
GGD-89-102: Published: Aug 8, 1989. Publicly Released: Aug 8, 1989.
Pursuant to a congressional request, GAO provided information on the amount of premium taxes that underwriters participating in the Federal Employees Health Benefits Program paid to states and other government entities.GAO found that: (1) states, county and municipal governments, U.S. territories, and Panama imposed premium taxes on the portion of premium income that participating plans paid to in...
Long-Term Care Insurance: State Regulatory Requirements Provide Inconsistent Consumer Protection
HRD-89-67: Published: Apr 24, 1989. Publicly Released: May 24, 1989.
Pursuant to a congressional request, GAO assessed state regulation of long-term health care insurance, intended to help defray nursing home costs not paid by Medicare or Medicaid, focusing on state: (1) legislation establishing standards for long-term health insurance policies; and (2) procedures for enforcing the standards.GAO found that: (1) no federal legislation regulates the growth or coverag...
Health Insurance: Hospital Indemnity and Specified Disease Policies Are of Limited Value
HRD-88-93: Published: Jul 12, 1988. Publicly Released: Sep 30, 1988.
In response to a congressional request, GAO evaluated states' efforts to regulate hospital indemnity and specified-disease insurance polices and practices to determine whether: (1) the policies provide a minimum level of protection at a reasonable price; and (2) states protect consumers from deceptive marketing materials and inadequate policies.GAO reviewed 12 states' requirements for hospital ind...
Long-Term Care Insurance: Coverage Varies Widely in a Developing Market
HRD-87-80: Published: May 29, 1987. Publicly Released: Aug 11, 1987.
In response to a congressional request, GAO provided information on private long-term care insurance policies, specifically: (1) policy benefits and premiums; (2) policy limitations and restrictions; and (3) the potential for abuse in the market.GAO noted that comparison of the 33 policies it reviewed was difficult because: (1) definitions of care and other key policy features were not uniform; an...
Health Insurance: Comparing Blue Cross and Blue Shield Plans With Commercial Insurers
HRD-86-110: Published: Jul 11, 1986. Publicly Released: Jul 11, 1986.
In response to a congressional request, GAO compared the Blue Cross and Blue Shield Association health plans' coverage availability for high-risk persons with that of for-profit insurance plans to determine if the Blue Cross/Blue Shield plans' tax-exempt status is warranted.GAO found that: (1) for 67 percent of the Blue Cross/Blue Shield plans' high-risk cases, there was at least one commercial he...
Medicaid Requirements: Health Insuring Organizations
HRD-86-42FS: Published: Nov 27, 1985. Publicly Released: Dec 27, 1985.
Pursuant to a congressional request, GAO reviewed the Health Care Financing Administration's (HCFA) regulations for contracts with health insuring organizations (HIO). HIO are entities that: (1) pay for medical services provided to recipients in exchange for fees paid by state Medicaid agencies; and (2) assume underwriting risks.GAO found that: (1) state contracts with HIO are governed by Medicaid...