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Comparison of United American Medicare Supplement Policies:
United American offers 6 of the 10 standardized Medicare supplement policies:
A, B, C, D, F, High Deductible Plan F and G. In 2006, plans K & L will also be
available.
A, B, C, D, F, High Deductible Plan F and G. In 2006, plans K & L will also be
available.
Plan availability and benefits vary by state
High Deductible Plan F (HDF)
HDF is a Medicare Supplement Plan F Policy that provides all the features and
benefits of a standard Plan F, but at a substantially lower premium. A calendar-
year deductible, set by the federal government, applies. For 2006, the deductible
is $1,790.00.
Funding Options: United American offers a uniques approach to help you fund
you calendar-year deductible amount. Offered as a separate product from HDF,
you can select the optional Reserve Fund Annuity* to enhance the features of you
HDF policy:
You can withdraw funds at any time**.
Plan F also has an option called a high deductible Plan F. This high deductible
plan pays the same or offers the same benefits as Plan F after one has paid a
calendar year deductible. Benefits from high deductible Plan F will not begin until
out-of pocket expenses are equal to the calendar year deductible ($1,790.00 in
2006). Out-of-pocket expenses for this deductible are expenses that would
ordinarily be paid by the policy. These expenses include the Medicare deductibles
for Part A and Part B, but does not include, the separate foreign travel emergency
deductible in Plan F.
Plans K and L provide for different cost-sharing (50% for Plan K, 75% for Plan L)
for items and services than Plans A-G. Once you reach the annual limit ($4,000 for
Plan K, $2,000 for Plan L), the plan pays 100% of the Medicare copayments,
coinsurance, and deductibles for the rest of the calendar year. The ou-of-pocket
annual limit does NOT include the charges from your provider that exceed
Medicare approved amounts, called "Excess Charges". You will be responsible
for paying excess charges. The out-of-pocket annual limit will be increased each
year for inflation.
*Annuity is NON-QUALIFIED; annuitant is annuity owner; designated beneficiary at
issue is annuitant's estate but may be changed by written request; annuity funds
not available for 14 days; policyholder responsible for unpaid deductibles.
** subject to State Premium Annuity Tax in Ca, ME, NV, SD, WV, WY.
High Deductible Plan F (HDF)
HDF is a Medicare Supplement Plan F Policy that provides all the features and
benefits of a standard Plan F, but at a substantially lower premium. A calendar-
year deductible, set by the federal government, applies. For 2006, the deductible
is $1,790.00.
Funding Options: United American offers a uniques approach to help you fund
you calendar-year deductible amount. Offered as a separate product from HDF,
you can select the optional Reserve Fund Annuity* to enhance the features of you
HDF policy:
- It allows you to accumulate the deductible amount at a comfortable and
convenient pace by a lump-sum deposit or monthly deposits. - It is a no-load annuity, so you keep the full amount of any unused money
you deposit - it accumulates interest at a minimum of 2%.
You can withdraw funds at any time**.
Plan F also has an option called a high deductible Plan F. This high deductible
plan pays the same or offers the same benefits as Plan F after one has paid a
calendar year deductible. Benefits from high deductible Plan F will not begin until
out-of pocket expenses are equal to the calendar year deductible ($1,790.00 in
2006). Out-of-pocket expenses for this deductible are expenses that would
ordinarily be paid by the policy. These expenses include the Medicare deductibles
for Part A and Part B, but does not include, the separate foreign travel emergency
deductible in Plan F.
Plans K and L provide for different cost-sharing (50% for Plan K, 75% for Plan L)
for items and services than Plans A-G. Once you reach the annual limit ($4,000 for
Plan K, $2,000 for Plan L), the plan pays 100% of the Medicare copayments,
coinsurance, and deductibles for the rest of the calendar year. The ou-of-pocket
annual limit does NOT include the charges from your provider that exceed
Medicare approved amounts, called "Excess Charges". You will be responsible
for paying excess charges. The out-of-pocket annual limit will be increased each
year for inflation.
*Annuity is NON-QUALIFIED; annuitant is annuity owner; designated beneficiary at
issue is annuitant's estate but may be changed by written request; annuity funds
not available for 14 days; policyholder responsible for unpaid deductibles.
** subject to State Premium Annuity Tax in Ca, ME, NV, SD, WV, WY.
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