AUTO
Consejos para ahorrar en los seguros de automóvil
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Consumer's Guide to Auto Insurance (Updated March 2008)
Explains the types of coverage provided in an auto insurance policy, how to shop for insurance, collision damage waiver coverage for rental cars, and contains premiums for five hypothetical examples.
Guía del Consumidor para Seguros de Automóvil (April 2007)
Explica los tipos de cobertura que se brindan en las pólizas de seguro de automóvil, cómo contratar un seguro, la cobertura por daños en caso de choque para automóviles de alquiler, e incluye las primas para cinco casos hipotéticos. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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Teenagers and Auto Insurance (Updated September 2006)
Provides information on buying car insurance, saving money, and how underage drinking affects your insurance premium. Note: You will need an Adobe Acrobat Reader to view or print this publication, which you can download at no cost from
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Tips for Saving on Auto Insurance
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HEALTH
Long-Term Care
Guía para los Cuidados a Largo Plazo (Updated December 2007)
Explica los diferentes tipos de seguro de cuidado a largo plazo y los tipos de pólizas vendidas en Wisconsin para cubrir gastos decuidado a largo plazo. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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Guide to Long-Term Care [bulk orders (100 or more copies) may be purchased by calling Kaplan Financial at 1-800-824-8742 ext. 4411; ask for WI's Guide] (Updated October 2007)
Explains different types of long-term care insurance and the types of policies sold in Wisconsin to cover long-term care expenses.
Long-Term Care Insurance Approved Policies in Wisconsin (September 2007) Lists individual, group and tax-qualified long-term care insurance policies, nursing home policies, and home health care policies including information regarding benefits and sample premiums.
Medicare Supplement
12 Things to Know Before Signing up for Medicare Part D
Provides a list of things all seniors should know before signing up for Medicare Part D.
Medicare Advantage Plans in Wisconsin (Updated November 2007)
Explains options available to Medicare-eligible persons age 65 and over, and some Medicare-eligible disabled individuals under age 65, who are looking for information about the Medicare Advantage program.
Medicare Supplement Insurance Approved Policies (Updated January 2008)
Lists policies available in Wisconsin including benefits and current premiums.
Wisconsin Guide to Health Insurance for People with Medicare (2008) (Updated December 2007) [bulk orders (100 or more copies) may be purchased by calling Kaplan Financial at 1-800-824-8742 ext. 4411]
Explains Medicare and supplemental insurance to cover those expenses not paid by Medicare.
General
ANSI Codes (Updated April 2008)
American National Standards Institute (ANSI) claim disposition codes that must be used by providers and their narrative explanation.
A Guide to Health Insurance and Worker's Compensation Insurance for Farm Families (Updated April 2006) Provides information about health insurance and limitations for work-related injuries.
A Shopper's Guide to Cancer Insurance (Reviewed April 2008)
Describes cancer insurance policies and the limitations many of these policies have.
Consumer's Guide to Grievances and Complaints (Updated October 2007)
Provides information on how to resolve disputes with your health plan.
Consumer's Guide to Health Insurance Portability and Accountability Act of 1996 (HIPAA) and Wisconsin Insurance Laws (Updated July 2007)
Provides a general overview of the federal law as well as the changes made to state health insurance laws.
Consumer's Guide to Managed Care Health Plans in Wisconsin (Updated July 2007)
Provides information on all HMO and Limited Service Health Organization Plans in Wisconsin.
Fact Sheet on Continuation and Conversion Rights in Health Insurance Policies (Reviewed March 2008)
Describes a consumer's rights under Wisconsin law and the federal COBRA law to continue or convert group health insurance coverage after losing previous eligibility for health insurance coverage.
Fact Sheet on the Independent Review Process in Wisconsin (Updated November 2007)
Describes a consumer's right to appeal a health plan's decision to an independent medical expert.
Fact Sheet on Managed Care Consumer Protections in Wisconsin (Reviewed November 2007)
Describes consumer protections available to Wisconsin residents enrolled in managed care plans.
Fact Sheet on Mandated Benefits in Health Insurance Policies (Updated May 2008)
Gives a brief description of current mandated benefits.
Fact Sheet on Mandated Benefits for the Treatment of Nervous and Mental Disorders, Alcoholism and Other Drug Abuse (Updated June 2007)
Summarizes required coverages in group health insurance policies.
Group Health Insurance Index (Updated February 2008) January 2008 July 2007
Survey results listing the monthly premiums for group health insurance policies for four hypothetical groups.
Guía del consumidor para presentar reclamos y quejas (Updated October 2007) Se ofrece información acerca de cómo resolver disputas con su plan de salud.
Health Insurance Coverage in Wisconsin (Updated June 2007)
Survey results listing the number of people covered by an HMO, Preferred Provider Organization, Point-of-Service Plan and traditional health insurance in Wisconsin.
Health Insurance for Small Employers and Their Employees (2008) (Updated December 2007)
Discusses the Small Employer Health Insurance Law and contains monthly new business premium rates for three hypothetical groups.
Insurance Coverage and AIDS (Updated March 2008)
Summarizes rules regarding health and life insurance underwriting and coverage for AIDS and includes Resources for Persons with a Positive HIV Test/The Implications of Testing Positive for HIV (OCI 17-001).
Mammograms: Mandated Insurance Coverage (Updated June 2007)
Summarizes required coverage for mammograms under health insurance policies.
Resumen informativo sobre el proceso de revisión independiente en Wisconsin (Updated November 2007)
Describe los derechos del consumidor a apelar una decisión del plan de salud mediante una revisión de un médico experto independiente.
Resumen informativo sobre los derechos de continuación y conversión de las pólizas de seguros de salud (Reviewed March 2008)
Describe los derechos del consumidor según las leyes de Wisconsin y la ley federal COBRA, a seguir o cambiar su cobertura de seguro
médico después de perder la eligibilidad previa para la cobertura de seguro médico.
Seguro de Salud para Pequeños Empleadores y sus Empleados (April 2007)
Analiza la Ley de Seguros de Salud para Pequeños Empleadores y publica primas de tres ejemplos hipotéticos. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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HOMEOWNER'S
A Brief Guide to Renter’s Insurance (Updated March 2008)
Explains the basic coverages included in a renter’s insurance policy and gives tips on how to purchase renter’s insurance.
Buying a Home and Your Insurance Needs (Updated October 2006)
Provides information on title, homeowner's, flood and private mortgage insurance and discusses other insurance options to consider when buying a home.
Buying a Home--Insurance Terms to Remember When Buying a Home
Condominium Insurance (Updated January 2006)
Explains the basic coverages included in a condominium unit owners policy.
Consejos para ahorrar en seguros para propietarios de viviendas
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Consumer's Guide to Homeowner's Insurance (Updated March 2008)
Explains the basic coverages included in homeowner's and tenant's insurance policies, the types of policies, what you should do if you have a loss, the Wisconsin Insurance Plan, and contains premium tables for four hypothetical examples.
Guía del Consumidor para Seguros de Vivienda (April 2007)
Explica las coberturas básicas incluidas en las pólizas de seguros de propietarios de viviendas e inquilinos, los tipos de pólizas, qué debe hacer en caso de pérdida, el plan de seguros de Wisconsin y contiene tablas de tarifas para cuatro ejemplos hipotéticos. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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La compra de una vivienda: términos sobre seguros para recordar al comprar una vivienda
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Mobile Home Insurance (Updated April 2007)
Explains the basic coverages included in a mobile home insurance policy.
Personal Property Home Inventory
A personal property home inventory guide to use to list all the items that you have in your home.
Seguro de condominio Explica las coberturas básicas contenidas en una póliza de seguro del condominio. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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Seguro de vivienda móvil Explica las coberturas básicas contenidas en una póliza de seguro del vivienda móvil. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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Settling Property Insurance Claims (Updated April 2007)
Provides information on what to do after a loss, how to settle an insurance claim, flood insurance, and tips on what to do before a loss.
Tips for Saving on Homeowner's Insurance
Una Breve Guía Sobre el Seguro del Arrendatario (Updated March 2008)
Explica las coberturas básicas contenidas en una póliza de seguro del arrendatario y aconseja cómo contratar un seguro del arrendatario. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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LIABILITY
Consumer's Guide to Commercial Liability Insurance (Updated February 2006)
Contains basic information on commercial liability insurance, risk management, legal protections, required coverages,
and optional coverages.
Consumer's Guide to Day Care Liability Insurance (Updated June 2007)
Answers questions about liability insurance coverage for day care facilities.
Consumer's Guide to Insurance for Small Business Owners (Updated October 2007)
Provides information about business, worker's compensation, health, and auto insurance.
Consumer's Guide to Worker's Compensation Insurance for Employers (Updated January 2008)
Provides information on worker's compensation insurance requirements and answers frequently asked questions.
Fact Sheet on Foster Parent Liability Insurance (Updated July 2007)
Answers questions about liability insurance coverage for foster children.
Information Sheet on Surplus Lines Insurers and Agents (Reviewed February 2008)
Answers questions about surplus lines insurance and procedures for placing surplus lines insurance.
Warranties (Updated August 2007)
Discusses the Magnuson-Moss Warranty Act, the federal law that covers warranties, and answers questions about extended warranties.
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LIFE INSURANCE AND ANNUITIES
NAIC Life Insurance Buyer's Guide
A copy of The NAIC Life Insurance Buyer's Guide is available only in hard copy. Bulk copies may be obtained by calling the NAIC Office at 816-783-8301.
State Life Insurance Fund
Information about the State Life Insurance Fund that offers life insurance to Wisconsin residents. This also includes a rate table and application information. For more information, call 1-800-562-5558 (Wisconsin residents only).
Understanding Annuities
Explains the different types of annuity contracts, describes the various contractual features and discusses how to shop for an annuity.
Wisconsin Buyer's Guide to Annuities (Reviewed January 2008)
[bulk orders (100 or more copies) may be purchased by calling Kaplan Financial at 1-800-824-8742 ext. 4411]
Describes annuities and provides consumer information.
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OTHER
Consejos para comprar seguros por Internet
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Consumer's Guide to Insurance (Updated August 2006)
Provides general information about health, life, auto, homeowner's, and worker's compensation insurance.
Documents and Records
Provides information on whom to contact for a list documents that will need to be replaced if they have been destroyed.
Fact Sheet on Credit Insurance (Reviewed March 2008)
Provides information on credit insurance.
Fact Sheet on Insurance Terminations, Denials, and Cancellations (Reviewed June 2007)
Summarizes the laws dealing with notice requirements when insurance coverage is terminated.
Fact Sheet on Standard Health Insurance Forms (Reviewed February 2008)
Describes the requirements for billing formats to be used by providers and explanation of benefits and remittance advice forms used by insurers to explain claim payments.
Frequently Asked Questions About C.L.U.E. (Updated August 2007)
Tips to help you understand how claims information obtained from a C.L.U.E. report may affect your insurance premiums.
Guía del Consumidor Seguros (January 2006)
Brinda información general sobre los seguros de salud, de vida, del automóvil, de propietarios de vivienda y de indemnización laboral. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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Insurance 101, A Guide to Insurance Basics for College Students (Updated January 2008)
Provides information about the types of insurance college students should consider when going away to school.
Insurance Complaints and Administrative Actions (Updated April 2008)
An annual report listing companies with an above-average number of complaints in individual and group health, life and annuities, automobile, and homeowner's and tenant's insurance.
Learning about the Office of the Commissioner of Insurance on the World Wide Web (Updated July 2007)
Provides a list of the information that is available on OCI’s Web site.
OCI (Oficina del Comisionado de Seguros) en Internet — En Español (New April 2007)
Brinda información sobre lo disponible en el sitio de Internet en español de la Oficina del Comisionado de Seguros.
Other Sources of Help (Updated May 2008)
Provides information on Small Claims Court.
Otras fuentesde ayuda
Brinda información sobre los juzgados de reclamos de menor cuantía.
Quejas de seguros y acciones administrativas
Informe anual que enumera las compañías con un número de reclamaciones superiores a la media en los seguros del automóvil, de propietario de vivienda e inquilino, accidentes y salud individual y colectivo y seguros de vida y de renta. Nota: Usted necesita Adobe Acrobat Reader para ver o imprimir esta publicación, el cual usted puede obtener sin ningún costo de
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Tips for Buying Insurance on the Internet
Understanding How Insurance Companies Use Credit Information
Tips to help you understand how your credit information may be used and how it may affect your insurance premiums.
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Wisconsin Insurance News
The Wisconsin Insurance News is published quarterly by the Office of the Commissioner of Insurance to provide interested parties with information affecting regulation of the Wisconsin insurance market.
Please note there is a charge for the Wisconsin Insurance Report
Wisconsin Insurance Report (Business of 2006)
(If you want to order a paper copy of the report, use the Order Form available on OCI's Web site. You will need an Adobe Acrobat Reader to print this order form which you can download at no cost from
Adobe .)
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