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HIMEDIGAP
Has Medi-Gap insurance

Codes and Frequencies



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Description

HIMEDIGAP indicates whether a person has Medi-Gap (Medicare Supplement Insurance) policy.

For 1997 to 1999, only people who were covered by any kind of health insurance were asked questions about the type of coverage (and are in the universe for HIMEDIGAP). Beginning in 2000, persons could indicate "no insurance" but nonetheless received follow-up questions on insurance coverage.

Definition
Though no definition is provided to respondents, Medi-Gap is a term for insurance policies that are designed to cover the health care not covered by Medicare.

 

Policy owners pay a monthly premium for this extra coverage. The plans offer standardized levels of coverage (set by the U.S. government) and are sold by private companies. Thus, although different insurance companies sell these policies, the benefits of each class of Medi-gap plan are always the same. However, the cost may vary by type of plan, and insurance companies are allowed to set their own prices and rules about eligibility.

According to Medicare.gov, some Medi-gap policies are used to cover prescription drugs. As of 2006, when the Medicare Prescription Drug Coverage (Medicare Part D) went into effect, Medi-gap plans no longer offer prescription drug coverage. However, persons with a Medi-gap plans that covered prescriptions were allowed to keep this benefit.

Comparability

Apart from changes in the universe, this variable is completely comparable over time.

Universe

  • 1997-1999: Persons covered by some type of health care plan.
  • 2000-2018: All persons.

Availability

  • 1997-2018

Weights