YOU MAY ENROLL WHEN YOU MEET ANY OF THESE When you come under any of the special "interim" enrollment classifications listed Here are the "interim" eligibility dates: 1. Your date of retirement if you are 2. Your 65th birthday. 3. Date you move into New York from outside the State, if then over 65. 4. Date that your spouse became eligible under any one of the preceding 3 classi- 5. Date of death of your spouse, if you are 6. Date of your marriage to an enrolled person who is over 65. Your insurance begins upon receipt by the Association of your completed application SEE YOUR AGENT OR BROKER TODAY OR WRITE NEW YORK 65 FOR FULL DETAILS HIGHLIGHT FEATURES OF • No medical examination. The husband or wife (regardless of age) of an enrollee may enroll in New York 65 at the same time. Sons and daughters may enroll their eligible parents in New York 65 and the parents are not required to sign the enrollment form. In fact, anybody may enroll any eligible person. • New York 65 Major Medical is especially important for sons and daughters. Even though the parents may already have Blue Cross or other basic coverage, or sufficient funds to pay basic expenses, catastrophic major medical expenses could fall upon the son or daughter disastrously. The Major Medical plan pays benefits for charges in a hospital or convalescent nursing home up to $3600 for each confinement and in addition pays lifetime benefits up to $10,000 for doctor bills and many other medical expenses. (See details inside.) • You can keep your New York 65 insurance in force if you move out of the State and continue to live in the U. S. or Canada. • You have 10 days after receiving your Certificate Booklet to decide if you are satisfied with New York 65. If not, just return the booklet and your money will be refunded in full. • The Association has the right to modify or discontinue the New York 65 Program, but your individual coverage cannot be modified or cancelled, nor your premiums increased, unless similar action is taken for all persons enrolled for the same plan. This New, Non-Profit Program Helps Answer a Vital Need of N. Y. State Residents Over 65 Here's how you might take advantage of the unique health insurance protection offered by New York 65-the new low-cost program recently introduced for New York State residents over 65. Well over 100,000 older people in the State have already enrolled. And you, too, will welcome New York 65. It offers Basic hospital-surgical-medical benefits, and under a separate plan called New York 65 Major Medical, provides broad benefits beyond basic coverage to give vital protection against the potentially disastrous expenses of prolonged illness or serious accident. Either of these plans may be obtained separately, or in combination. Until recently, Major Medical coverage had not been readily available to those 65 or over at a cost they could afford, or without their having to take a medical examination. Yet it's the one form of health insurance they usually need most! In recognizing this critical need, leading insurance companies serving New York State joined forces in a non-profit Association to bring you New York 65—a program that could save you literally thousands of dollars in doctor and surgical bills and hospital and convalescent nursing home charges. Read about New York 65 carefully. Then, for full details, call your Agent or Broker. Or write New York 65. EXHIBIT F Responses to Questions as Requested by the Senate Subcommittee on the Health of the Elderly on March 10 and 17, 1964 Hon. PAT MCNAMARA, NEW YORK 65 HEALTH INSURANCE ASSOCIATION, Chairman, Subcommittee on Health of the Elderly, Special Committee on Aging, U.S. Senate, Washington, D.C. DEAR SENATOR MCNAMARA: The attached information is submitted in response to your letter of March 10 and that of Mr. Constantine dated March 17. Sincerely yours, MORTON D. MILLER, President. Question 1. All literature describing benefits and rates including scripts and "tear-sheets" used in promotion. Answer 1. The following material is enclosed: 1 Initial open enrollment, October 15 to November 15, 1962: Exhibit No. 1. New York 65 filmstrip and record. Exhibit No. 2. Exhibit No. 3. Exhibit No. 4. Exhibit No. 5. Proofs of four newspaper ads. Kit for hospital administrators. Second open enrollment, June 1-15, 1963: Exhibit No. 7. Exhibit No. 8. Exhibit No. 9. Proof of newspaper ad. Sales aids kit (agents-brokers). Exhibit No. 10. Inquiry letter. Special enrollment opportunities: Exhibit No. 11. Agent-broker kit, February 1963. Exhibit No. 12. Agent-broker kit, October 1963. This material constitutes the major portion of the promotional material prepared by New York 65 and directed to the general public or the agents and brokers of New York State. Question 2. (a) Total number of different persons enrolled in program from inception to March 1, 1964; (b) total aged persons insured as of March 1, 1964; (c) total number of persons accepted for coverage during initial enrollment period and total number of persons insured immediately prior to commencement of second open enrollment period. (Please provide subtotals indicating persons covered for basic only, major medical only, and basic and major medical.) Answer 2. (a) The total number of persons who submitted applications for coverage from inception to March 1, 1964 were: Second open enrollment (June 1-15, 1963) – Basic added... Major medical added.. Total----- Total applications‒‒‒‒‒ The distribution by plan is as follows: Initial open enrollment (Oct. 15 to Nov. 15, 1962). 107, 404 1, 734 233, 552 281 421 702 142, 690 In addition, 702 persons who already had some coverage with New York 65 took this opportunity to add additional coverage, as follows: 33-420-64-pt. 2——8 Of the 142,690 applications received by New York 65 from the inception of the program until March 1, 1964, 3,031 applications (2,237 in the initial open enrollment and 794 in the second open enrollment) could not be processed because the individual was not eligible due to age or nonresidence, or was confined to a hospital or nursing home, or no premium payments were received or the application was incomplete in other respects. Deducting the 3,031 leaves 139,659 applicants to whom certificate booklets were issued of whom 4,980 (3,723 in initial open enrollment and 1,257 in the second open enrollment) took advantage of the free-look provision under which an individual has 10 days after receiving his certificate booklet to decide whether he is satisfied with New York 65. When he is not, the certificate booklet may be returned and the premium paid is refunded in full. In such cases, the insurance is considered as never having been issued. Therefore, the total number of different persons who became insured under New York 65 was: (b) Total aged persons insured as of March 1, 1964: (c) Total number of persons who became insured during the initial enrollment period and total number of persons insured immediately prior to commencement of second open enrollment period. Our terminations during the 4 months, December 1963 through March 1964, have been less than 1 percent per month and our best estimate indicates that more than one-half are due to death. This is only to be expected, based on our average age of about 74 years. Question 3. How many of those persons accepted for insurance during your initial open enrollment period were still insured under the program as of March 1, 1964? Answer 3. Of the 101,444 persons insured during the initial open enrollment period, 81,822 were still insured as of March 1, 1964. We have no breakdown of this last figure by plan. Question 4. What was the average age of New York 65 policyholders as of the end of your initial open enrollment period? What was the average age of your policyholders as of March 1, 1964? Answer 4. The average age of policyholders at the end of the initial open enrollment was 73.5 years. |