The Future of Health Care for Seniors: Where Do We Go from Here? : Hearing Before the Subcommittee on Housing and Consumer Interests of the Select Committee on Aging, House of Representatives, One Hundred First Congress, First Session, Vancouver, WA, December 4, 1989U.S. Government Printing Office, 1990 - 76 páginas |
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Palavras e frases frequentes
advertisement American Cancer Society Association of Retired benefits bill breast cancer Catastrophic Coverage Act cease and desist Christian Association Colonial Penn Franklin COMMISSIONER Order Congress Congressman Wyden Congresswoman Unsoeld consumer costs Deborah Gibson deceptive duplication elderly Erwin Federal Government Federal law fees Franklin Insurance Company going GORSHEE health care system health insurance hearing hospital income increase insurance agent Insurance Commissioner issues Jolene JOLENE UNSOELD kind lead cards loss ratio Mailing Surveys mammography materials in Exhibit Medicaid Medicare supplement policies Medigap NFRP NFRP's nursing home OLYMPIA Order D 89 Oregon out-patient patients Patricia PATRICIA D Penn Franklin Insurance percent person PETERSEN physician PORTLAND premiums prescription problems question regulations reimbursement repeal respite care Ron Wyden SHIBA solicit statement sumer surgery talk Testimony of Gibson Texas Thank thing tion Vivian Washington Washington D.C.
Passagens conhecidas
Página 59 - ... unfair method of competition, and an unfair or deceptive act or practice, in commerce within the meaning of the Federal Trade Commission Act.
Página 49 - ... this policy will help fill some of the gaps that Medicare and your present insurance leave out"; "this policy will help to replace your income" (when used to express loss of time benefits); or similar words and phrases, in a manner which exaggerates any benefits beyond the terms of the policy.
Página 49 - C. An advertisement shall not state or imply that an insurer or a policy has been approved or endorsed by any individual group of individuals, society, association or other organizations, unless such is the fact, and unless any proprietary relationship between an organization and the insurer is disclosed.
Página 49 - A. Deceptive Words, Phrases or Illustrations Prohibited 1. No advertisement shall omit information or use words, phrases, statements, references or illustrations if the omission of such information or use of such words, phrases, statements, references or illustrations has the capacity, tendency or effect of misleading or deceiving purchasers or prospective purchasers as to the nature or extent of any policy benefit payable, loss covered or premium payable. The fact that the policy offered is made...
Página 54 - ... shall be sufficiently complete and clear to avoid deception or the capacity or tendency to mislead or deceive. Whether an advertisement has a capacity or tendency to mislead or deceive shall be determined by the Commissioner of Insurance from the overall impression that the advertisement may be reasonably expected to create upon a person of average education or intelligence, within the segment of the public to which it is directed.
Página 48 - If the individual making a testimonial or an endorsement has a financial interest in the insurer or a related entity as a stockholder, director, officer, employee, or otherwise, or receives any benefit directly or indirectly other than required union scale wages, such fact shall be disclosed in the advertisement.
Página 48 - Testimonials used in advertisements must be genuine , represent the current opinion of the author, be applicable to the policy advertised, and be accurately reproduced. The insurer, in using a testimonial, makes as its own all of the statements contained therein, and the advertisement, including such statement is subject to all the provisions of these rules. (2) If the person making a testimonial, an endorsement, or an appraisal has a financial interest in the insurer or a related entity as a stockholder,...
Página 48 - ... to a brief description of the loss for which the benefit is payable,... 4. The materials sent by NFRP as exemplified in Exhibit 10 are either "institutional advertisements" and/or "invitations to inquire" as those terns are described in WSC 284-50-030(7) and (8).
Página 48 - Institutional advertisement' for the purpose of these rules shall mean an advertisement having as its sole purpose the promotion of the reader's or viewer's interest in the concept of accident and sickness insurance, or the promotion of the insurer. (8) 'Invitation to inquire...
Página 2 - US HOUSE OF REPRESENTATIVES, SELECT COMMITTEE ON AGING, SUBCOMMITTEE ON HOUSING AND CONSUMER INTERESTS, Washington, DC The subcommittee met, pursuant to notice at 9:07 am, in room 2358, Rayburn House Office Building, Hon.