United American Offers:

United American offers 9 standardized Medicare Supplement policies: 
A, B, C, D, F, HDF, G, K, and L.

Comparison of United American Medicare Supplement Policies:

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**.

1. Plan B provides both Senior and underage disability protection. Benefits are identical (different applications); Senior rates are age‑banded and underage disability rates remain one rate all ages. Some states require designated Medicare Supplement plans be available to persons eligible for Medicare due to disability. Plans and benefits vary by state.



2. Preventive Care benefits included with Plans E, J, and high-deductible Plan J are for preventive care not covered by Medicare. This benefit is not the same as the Part B Preventive Services included only with Part B - Basic Benefits for Plans K and L.



3. 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 ($2,000 in 2009). 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.



4. 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.

*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.