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Determine how much coverage you need.
There are a number of factors to consider before deciding on the right plan for you,
including the cost of the various plans and your present and future health care
needs. It is best to compare the benefits of each plan. Here are a few questions to
ask yourself:
Research the companies offering the plan you want.
Since all Medicare supplement plans are standardized, the only difference in the
coverage is the company behind it. There are several factors you should consider
about an insurance company before you purchase a product.
There are a number of factors to consider before deciding on the right plan for you,
including the cost of the various plans and your present and future health care
needs. It is best to compare the benefits of each plan. Here are a few questions to
ask yourself:
- Can you afford to pay the Medicare hospital deductible of $952 each time
you are hospitalized? - Are you willing to pay extra premiums for coverage such as prescription
drugs, preventive care or foreign travel emergency care? - Is home care coverage a priority for you?
- Are you willing to assume the cost of paying excess charges should you
ever see a doctor who does not take assignment?
Research the companies offering the plan you want.
Since all Medicare supplement plans are standardized, the only difference in the
coverage is the company behind it. There are several factors you should consider
about an insurance company before you purchase a product.
- Premiums - Premiums can vary tremendously from company to company.
Don't just look at current pricing. See how the rates are calculated, whether
they are based on your age at policy issue (issue age) or whether they will
increase each year with your age change (attained age). - Service - How the policy is serviced should be a big consideration when
choosing a company. Is it serviced by a personal agent or by a Home
Office 800 number? Does the company offer an automatic claims delivery
service so you don't have to worry about missed claims? Does the
company offer any other services, such as a prescription drug discount
card? - Ratings - A company's industry ratings from companies like A.M. Best and
Standard & Poor's can be a big indication of its financial stability and
reliability. - Choice - Is it important to you to be able to choose your own doctors and
hospitals? If so, you may prefer a private insurer rather than an HMO for
your supplemental insurance.
United American Insurance Company offers an affordable solution to America’
s health care crisis! We are a strong company backed by a solid reputation and
superior ratings. For more than 50 years, we have been dedicated to meeting the
needs of our customers. We believe we are the best at what we do and it shows.
UA has been rated A+ “Superior” for overall financial strength for over 30
consecutive years by A.M. Best (rating as of 6/05).
United American is a company with integrity, and we honor our commitment to our
customers by providing them with the best we have to offer. Here are just a few
reasons why UA should be your top choice:
s health care crisis! We are a strong company backed by a solid reputation and
superior ratings. For more than 50 years, we have been dedicated to meeting the
needs of our customers. We believe we are the best at what we do and it shows.
UA has been rated A+ “Superior” for overall financial strength for over 30
consecutive years by A.M. Best (rating as of 6/05).
United American is a company with integrity, and we honor our commitment to our
customers by providing them with the best we have to offer. Here are just a few
reasons why UA should be your top choice:
- Flexibility. At UA, you have the freedom to choose your doctor, hospital and
specialist. You also have the freedom to choose from a wide variety of
products and insurance policies with benefit options that can be custom fit
for your needs.
- Affordable. We provide access to quality health care insurance coverage.
Our premiums are competitive when compared to other companies' plans.
- Guaranteed Renewable. Not only are you getting the right coverage at the
right price, but your policy cannot be cancelled as long as premiums are
paid on time.
- Individual Protection. We offer individual policies, not group or association-
owned plans. Our plans are individually guaranteed renewable, unlike
group plans
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