Medicare Supplement
United American's ProCare plans: a smart choice...
Freedom to choose your own health care providers - There is no designated physician list or approval process to see a specialist.
Nationwide acceptance - ProCare Medicare Supplement plans from United American are recognized and accepted nationwide.
Customer satisfaction is guaranteed - Customers have 30 days to review their plan. If after receiving their ProCare policy and wish to cancel it for any reason, they can simply return their policy and I.D. card to United American within the 30-day period. Any premium, less any claims paid, will be refunded.
| Plans / Benefits | A | B | C | D | E | F** | G | H | I | J** | K* | L* |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Part A - Basic Benefits | X | X | X | X | X | X | X | X | X | X | 100% | 100% |
| Part B - Basic Benefits | X | X | X | X | X | X | X | X | X | X | 50% | 75% |
| Skilled Nursing Facility Coinsurance | X | X | X | X | X | X | X | X | 50% | 75% | ||
| Part A Deductible | X | X | X | X | X | X | X | X | 50% | 75% | ||
| Part B Deductible | X | X | X | |||||||||
| Excess Doctor Charges | 100% | 80% | 100% | 100% | ||||||||
| Foreign Travel Emergency | X | X | X | X | X | X | X | X | ||||
| At-Home Recovery | X | X | X | X | ||||||||
| Preventive Care | X | X | ||||||||||
| Out-of-Pocket Annual Limit* | $4,440 | $2,220 |
**Plans F and J also have an option called a high deductible Plan F and a high deductible Plan J. These high deductible plans pay the same benefits as Plans F and J after one has paid a calendar-year deductible. Benefits from high deductible Plans F and J will not begin until out-of-pocket expenses exceed the calendar-year deductible ($1,900 in 2008). 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 do not include the separate foreign travel emergency deductible in Plans F and J.
*Plans K and L provide for different out-of-pocket cost-sharing (50% for Plan K, 25% for Plan L) for items and services than Plans A-J. Once you reach the annual limit ($4,440 for Plan K, $2,220 for Plan L), the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-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. See Outline of Coverage for details and exceptions.
Find out which of these products are approved in your 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. The deductible is $1,900 for 2008.
Funding Options:
United American offers a unique approach to help you fund your calendar-year deductible amount. Offered as a separate product from HDF, you can select the optional Reserve Fund Annuity* to enhance the features of your 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**.
Find out if this product is approved in your state.
*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.
