Articles:

ProCare Approvals
A special mailing regarding ProCare Medicare Supplement rate approvals for new business and renewals has been mailed to General Agents in Florida and Nevada.

Check your state(s) ProCare rate memo for complete effective date information and cut-off dates for business written with old rates. If you did not receive this notice, please contact the Agent Service Center at 800-925-7355.

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of June is 4.45 percent. Rates will continue to be reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2006 has been set at 3.00 percent.

Attn: All UA Health Agents
UA is pleased to announce the following changes to UA’s Cash Benefit Cancer Policy:
• New “Cancer” definition (see mailing for more details)
• New Policy Form, CANLS-2
• New “PASSForm” application, CANLS-AP (requires separate Bank Draft Authorization)
• New Outline of Coverage (DS-CANLS2 or its state special version)
• New Commission (provided under separate cover)

New applications and outlines of coverage have been mailed and should be used immediately upon receipt. For additional supplies, please contact Agent Supply.
CANB-AP application forms will not be processed August 1, 2006 and thereafter. CANLS-2 where state approved replaces CANB and CANLS. CANLS-2 is not available in Connecticut, Massachusetts, Minnesota, New Jersey, or South Dakota.

Attn: All UA Agents
In an effort to help you write new business and maintain high persistency, UA will waive a portion of the $1,790 calendar year deductible amount required on our High Deductible Plan F Medicare Supplement policies for the last half of 2006.

For HDF policies with an effective date of
July 1, 2005 and thereafter, UA will waive $500 of the 2006 annual deductible amount. The first $1,290 must be paid by the policyholder before policy benefits begin for 2006.

Attn: All UA Agents
Effective immediately, the list of provider hospitals and doctors for UA Partners with the Provider Network Option will no longer be included on the back of the UA Partners Welcome Letter. To ensure policyholders have access to the most current list of providers, they should call 1-800-236-3609. A list of provider hospitals and doctors can also be found online at www.competitivehealth.com/uapartners.
UA will continue to print the area UA Partners providers for prescriptions, hearing, dental, vision, and chiropractic on the back of the Welcome Letter.

Medicare Lock-in Update
For the first time, there will be a lock-in on Medicare Advantage Plans (HMOs). Individuals currently enrolled in a Medicare Advantage Plan (HMO) will not be able to disenroll after June 30, 2006 until January 1, 2007. In other words, beginning July 1, 2006, a Medicare HMO enrollee will have to wait until the Annual Election Period (AEP), which runs from November 15 - December 31, 2006, to request a change in coverage. If an individual wants to disenroll from an HMO and apply for a UA Medicare Supplement during the AEP, the coverage will not be effective until January 1, 2007. Any individual who wishes to enroll in a Medicare HMO will have the same restrictions. Also effective January 1, 2007, an individual enrolled in a Medicare Advantage Plan cannot request a change in coverage until the AEP that year, i.e. the individual will be locked-in for a full year.
There are two exceptions that have Special Enrollment Periods (SEP): 1. Certain individuals in AL, LA, and MS affected by Hurricane Katrina can change any time through December 31, 2006. 2. An individual involuntarily terminated from a Medicare Advantage Plan will get a SEP.

E-Mail Reminder
A recent review by UA revealed that many applications are submitted to the Home Office with the e-mail address boxes left blank. Not all applications have boxes for an e-mail address; however, in those that do, please be sure to get the applicant’s e-mail address and fill in the boxes on the application accordingly.

Reminder About Summit
Summit magazine is published monthly by UA/First UA for the dissemination of information to its Agents. It is not intended as advertising material. Permission must be obtained from United American for reproduction or other use of the material herein. Please log on to www.uageneralagency.com/office or
www.firstunitedamerican.com/office to view the most current Advertising Guidelines.