1. Choosing a Medigap Policy [Click to add Agent Producer Group]
2016
[Click to add Agent Producer Group]
United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program.

2. Understand your Medicare choices
We Will Help You …
Understand your Medicare choices
Unravel the mysteries of Medicare
Understand your options and make the right choice

3. Choices
Five Questions 1
What is Medicare and what are my CHOICES?

4. Choices
Five Questions 2
How do I CHOOSE?

5. 3 How do I determine which plan is right for me? Choices
Five Questions 3
How do I determine which plan is right for me?

6. Choices
Five Questions 4
Where do I buy my plan?

7. Choices
Five Questions 5
Which carrier should I use?

8. A health insurance program established in 1965
What is Medicare?
A health insurance program established in 1965
Provides health coverage to millions of people
People age 65 and over
People who are disabled
People who are in permanent kidney failure
A health insurance program established in 1965
Provides health coverage to 44 million people
People age 65 +
People who are disabled
People who are in permanent kidney failure

9. About United American Insurance Company Med-Supp policies
Can apply 3 months prior to turning 65
United American Insurance Company applications to be taken up to six months in advance of Medicare effective date if
First-time Med-Supp applicants age 64½ and above
Not currently on a Med-Supp disability policy
CMS regulation allows applicants to apply 3 months prior to turning 65
United American allows advance dating
Up to six months in advance of Medicare effective date
For first-time Med-Supp applicants age 64½ and above
Not currently on a Med-Supp disability policy

10. The Different Parts of Medicare
Medicare Part A (Hospital Insurance)
Helps cover inpatient care while in the hospital
Helps cover skilled nursing facility, hospice, and home health care

11. The Different Parts of Medicare
Medicare Part A (Hospital Insurance)
Medicare Part B (Medical Insurance)
Helps cover doctors' services, hospital outpatient care, and home health care
Helps cover some preventive services to help maintain your health and to keep certain illnesses from getting worse

12. The Different Parts of Medicare
Medicare Part A (Hospital Insurance)
Medicare Part B (Medical Insurance)
Medicare Part D (Medicare Prescription Drug Coverage)
A prescription drug option run by Medicare-approved private insurance companies
Helps cover the cost of prescription drugs
May help lower prescription drug costs and help protect against higher costs in the future

13. The Different Parts of Medicare
Medicare Part A (Hospital Insurance)
Medicare Part B (Medical Insurance)
Medicare Part D (Medicare Prescription Drug Coverage)
Learn more about Medicare including Medicare Part C (Medicare Advantage Plans) at Medicare.gov

14. Medicare Basics – Original Medicare
Optional Part D
Part A
Part B
Optional Medicare Supplement Insurance

15. Medicare Basics – Medicare Advantage (Part C)
Optional Part D
Part A
Part B
Usually Part D
Cannot join a Medicare Advantage Plan (Part C) and purchase a Medicare Supplement Insurance policy

16. Medicare Part A – Hospital
Automatic Enrollment (if receiving Social Security benefits)
Eligible at age 65, or 2 years on disability
Premium-free for most people, if
Eligible for Social Security or Railroad benefits
You or your spouse had Medicare-covered government employment
Source: medicare.gov

17. Medicare Part A – Hospital
Medicare Part A – Coverage
Inpatient Hospital Room and Board
Skilled Nursing Facility (not Long Term Care)
Hospice and Respite Care services
Some Home Health Care services
Blood
Source: medicare.gov

18. Medicare Part A – Hospital (Out-of-Pocket Costs)
Day 1-60 $1156 Deductible
Day $289 per day
Day $578 per day
SKILLED NURSING CARE:
Minimum 3 day hospital stay
Day 1-20 Covered
Day $ per day
BLOOD
First 3 pints usually covered
HOSPICE CARE
Terminally ill with less than 6 months to live
Hospital
Day 1-60
$1,288 Deductible
Day 61-90
$322 per day
Day
$644 per day
Skilled Nursing Care
Minimum 3 day hospital stay
Day 1-20
Covered
Day
$161 per day
Hospice Care
Terminally ill (with less than 6 months to live)
Blood
First 3 pints
Source: Medicare.gov

19. Medicare Part B – Medical
Optional Enrollment
Can delay Part B enrollment if on Employer Group Medical Plan
Monthly Premium (deducted from Social Security check)
$ (income dependent)
Enroll 3 months prior to age 65 (excluding month of birthday)
Enroll no later than 3 months after birthday – 7 months total

20. Medicare Part B – Medical
Medicare Part B – Coverage
Doctor Services
Outpatient Care
‘Welcome to Medicare’ visit
Preventive Services (flu shots)
Ambulance Services
Doctor services
Outpatient care
‘Welcome to Medicare’ visit
Preventative services (flu shots)
Ambulance services
Source: medicare.gov

21. Medicare Part B – Medical
Medicare Part B – Coverage (continued)
Cancer Screenings and Chemo
Diabetes Screenings and Supplies
Durable Medical Equipment
Limited Chiropractic, Vision, Hearing
OT/PT and Laboratory Services
Cancer screenings & chemo
Diabetes screenings & supplies
Durable medical equipment
Limited chiropractic, vision, hearing
OT/PT and Laboratory Services
Source: medicare.gov

22. Medicare Part B – Medical (Out-of-Pocket Costs)
HOSPITAL:
Day 1-60 $1156 Deductible
Day $289 per day
Day $578 per day
SKILLED NURSING CARE:
Minimum 3 day hospital stay
Day 1-20 Covered
Day $ per day
BLOOD
First 3 pints usually covered
HOSPICE CARE
Terminally ill with less than 6 months to live
Premium
$ per month deducted from Social Security check
Deductible
$166 per year
Coinsurance
20% of Medicare approved charges
PREMIUM:
$ per month
Deducted from Social Security check
ANNUAL DEDUCTIBLE:
$166
COINSURANCE
20%
Source: Medicare.gov

23. A/B Chart F

24. Medicare Part D – Prescription Drug
Enroll After Parts A and B
Guaranteed Acceptance
Can get with a Medicare Advantage Plan
Can get as a Stand Alone Prescription Drug Plan (PDP)
May pay penalty if not enrolled when first eligible
Enroll after Parts A/B
Guaranteed acceptance
Can get with a Medicare Advantage Plan
Can purchase stand alone Prescription Drug Plan (PDP)
May pay penalty if not enrolled when first eligible
* NEED SOURCE

25. Medicare Part D – Prescription Drug (continued)
Can get Low Income Subsidy (LIS)/Extra Help Assistance:
Single Income < $17,655; Resources < $13,640*
Couples Income < $23,895; Resources < $27,250*
Must Select a Private Drug Plan
Choose by Plan Formulary
Can get Low Income Subsidy (LIS)/Extra Help assistance:
Single Income < $17,655/Yr; Resources < $13,640*
Couples Income < $23,895/Yr ; Resources < $27,250*
Must select a private drug plan
Choose by plan formulary
Etc.
*Income limits are currently based on 2015 income limits at 150% of poverty and will be updated in early 2016.
Source: Department of Health & Human Services Centers for Medicare & Medicaid Services

26. Medicare Part D – Prescription Drug (Out-of-Pocket Costs)
HOSPITAL:
Day 1-60 $1156 Deductible
Day $289 per day
Day $578 per day
SKILLED NURSING CARE:
Minimum 3 day hospital stay
Day 1-20 Covered
Day $ per day
BLOOD
First 3 pints usually covered
HOSPICE CARE
Terminally ill with less than 6 months to live
Premium
Varies based on which plan and company you choose
Deductible
$360 per year (some plans have $0 deductible)
Coverage Gap (Donut Hole)
Annual out-of-pocket exceeds $3,310 up to $4,850
Includes copays, coinsurance, and deductibles
Catastrophic Coverage
Annual out-of-pocket meets or exceeds $4,850
Small copay for all prescription drugs
PREMIUM:
Depends which plan and company you choose
ANNUAL DEDUCTIBLE:
$360 (some plans have $0)
COVERAGE GAP (Donut hole):
Annual Out-of-Pocket exceeds $3,310 up to $4,850
Includes copays, coinsurance, and deductibles
CATASTROPHIC COVERAGE:
Annual Out-of-Pocket meets or exceeds $4,850
Small copay for all RX
Medicare.gov

27. Medicare Part C – Medicare Advantage
About Medicare Part C
Can join or switch plans only during certain times of the year
Must cover at least what Medicare covers
Some plans charge small monthly premiums, others do not
The Maximum out-of-pocket (MOOP) costs vary by plan and can go up to $10,000
Can join or switch plans only during certain times of the year
Must cover at least what Medicare covers
Some plans charge small monthly premiums, others do not
The Maximum Out-of-Pocket (MOOP) costs vary by plan and can go up to $10,000
Source: medicare.gov

28. Medicare Part C – Medicare Advantage
About Medicare Part C
Some plans have certain rules to follow, like referrals, etc.
You may have to use providers who belong to the plan
Insurers can opt out of these plans
Doctors can opt out of these plans
Hospitals can opt out of these plans
Some plans have certain rules to follow, like referrals, etc.
You may have to use certain providers who belong to the plan
Insurers can opt out of these plans
Doctors can opt out of these plans
Hospitals can opt out of these plans

29. Medicare Part C – Medicare Advantage
About Medicare Part C
Benefits and Premiums can change annually
You cannot own a Medicare Supplement and a Medicare Advantage plan
NOT guaranteed renewable
You cannot own a Medicare Supplement with a Medicare Advantage (PD) plan
Benefits and Premiums can change annually
Over last few years, MOOP expenses have climbed exponentially
Advantage plans are NOT guaranteed renewable (plan member)

30. Medicare Supplement Plans
Plans available to help cover the ‘gaps’ in Medicare
Medicare Approved Charges
Excess Charges
GAP
Senior Pays Excess Charges
Senior Pays 20%
Medicare Pays 80%
Senior Pays Deductibles,
Coinsurance,
and Copays
Helps covers the “gaps” in Medicare:
Deductibles
Coinsurance
Copays
Excess Charges
These amounts change each year but Med-Supp plans cover it

31. Medicare Supplement Plans
11 Standardized plans available A B C D F F
HDF G K L M N
Plan F is the most comprehensive
11 Standardized plans available: Plan F is most comprehensive

32. United American Medicare Supplement Plans
Available
Not Available
Med-Supp not available in every state
Plan availability varies by state and insurer MN NJ MA NY
Not available in every state, some states have plans that vary
First United American Life Insurance Company markets Med-Supp plans in New York

33. Medicare Supplement Plans
All Med-Supp Plans are Guaranteed Renewable
Flexibility and Freedom to Choose
Any Doctor *
NO referrals
Any Hospital *
NO networks
Any Specialist *
All Medicare Supplement plans are GUARANTEED RENEWABLE
Flexibility and Freedom to choose any Doctor, Hospital, or Specialist that takes Medicare with NO referrals and NO networks
* That accepts Medicare

34. Medicare Supplement Plans
All Companies Must Follow Federal and State Laws
Costs Vary By
Companies Vary By
Company
Ratings
Where you Live
Stability
Plan Selected
All companies must follow Federal and State laws
Costs vary by company, where you live, and by the plan
Financial ratings and stability vary by com

35. Medicare Supplement Plans Offered by United American Insurance Company
Basic Benefits
Skilled Nursing Facility Coinsurance
Part A Deductible – $1,288
Part B Deductible – $166
Excess Doctor Charges
Foreign Travel Emergency
Calendar-Year Deductible, or Out-of-Pocket Annual Limit
Hospitalization (Part A Coinsurance)
Medical Expenses (Part B Coinsurance)
Blood
Hospice A 
100% B 
100% C 
100%
80% D 
100%
80% F 
100%
80%
HDF 
100%
80%
$2,180 G 
100%
80% K 
50%
$4,960 L 
75%
$2,480 N 
Copay
80%
Plans offered by UA: A, B, C, D, F, HDF, G, K, L, & N
Plan NOT offered by UA: M

36. Medicare Supplement Plans
How are Medicare Supplement plans priced?
Attained Age Rated 65 $ 66 67 68 69 70
Etc.
Community Rated
Everyone pays the same premium
Issue Age Rated
Premium based on age when policy purchased
Attained Age Rated
Premium changes annually on policyholder’s birth date
Premium changes annually on policyholder’s birth date

37. Medicare Supplement Plans
United American’s Medicare Supplement Plans in Montana
Attained Age Rated
Premium changes annually on policyholder’s birth date
Preferred Rates
No tobacco use
Attained Age
Premium changes annually on policyholder’s birth date
Preferred Rates
No tobacco use

38. Medicare Supplement Plans
Rate Adjustments
Helps keep pace with
Rising Medicare claim trends
Changes in annual deductibles

39. Medicare Supplement Open Enrollment Qualifiers
Enrolled in Medicare Parts A and B
Within 6 months before and after you turn age 65
On Disability for 24 months if under age 65
Cannot be denied during the Open Enrollment period
Cannot be charged more because of health
Medicare Supplement Guaranteed Issue Qualifiers
On Original Medicare and Involuntarily Disenrolled from your Employer’s Group Health Plan
Involuntarily Disenrolled from your Medicare Advantage Plan
Must go through underwriting if outside Open Enrollment
Must be enrolled in Medicare PARTS A & B
6 months before and 6 months after you turn 65
24 months on Disability if under 65
Cannot be denied during this Guaranteed Issue period
Cannot be charged more because of health
If replacing an existing Med-supp plan (creditable coverage)
No waiting period
No pre-existing limitations
NOTE: Must go through underwriting if outside Open Enrollment or Guaranteed Issue Periods
Involuntarily disenrolled from your employer’s plan
Involuntarily disenrolled from your Medicare Advantage (PD) plan
Source: medicare.gov

40. Medicare Advantage 2014 Pre-Enrollment Period
October 1 – October 14
Annual Election Period (AEP)
October 15 – December 7
Annual Disenrollment Period
January 1 – February 14
Pre-Enrollment Period
Annual Election Period (AEP)
Annual Disenrollment Period
Oct 1 – Oct 14
Oct 15 – Dec 7
Jan 1 – Feb 14
Pre-Enrollment Period
October 1 – October 14
Annual Election Period (AEP)
October 15 – December 7
Annual Disenrollment Period
January 1 – February 14

41. A: They raise their deductible …
Premium Savings
Q: How do people save money on any kind of insurance (health, car, homeowners)?
A: They raise their deductible …
And Save
Premiums $$$

42. Popular Medicare Supplement Plans
Basic Benefits
Skilled Nursing Facility Coinsurance
Part A Deductible – $1,288
Part B Deductible – $166
Excess Doctor Charges
Foreign Travel Emergency
Calendar-Year Deductible, or Out-of-Pocket Annual Limit
Hospitalization (Part A Coinsurance)
Medical Expenses (Part B Coinsurance)
Blood
Hospice
Plan F 
100%
80%
Plan HDF 
100%
80%
Foreign Travel
$250 deductible
$50,000 max
$2,180

43. For Illustrative Purposes Only
HDF Claim Example
A senior has an HDF policy
What happens when the senior has a Part B claim?
Total approved Part B Doctor Claim
$100
Medicare’s 80% of Approved Charge
$80
Customer’s 20% of Approved Charge
$20
If deductible is reached Senior owes
$0 *
Policyholder must meet HDF calendar-year deductible ($2,180 in 2016) before benefits begin, and pay their HDF premiums.
For Illustrative Purposes Only

44. Premium Savings Example
How HDF may be suitable coverage for Senior health needs AND budget
Husband
Wife
Plan F monthly premium
$161
Plan HDF monthly premium *
$29
Monthly Premium Savings
$132
* UA ProCare, Age 65 Nonsmoker, Montana
Current rates as of January 2015
For Illustrative Purposes Only

45. Premium Savings Example
How HDF may be suitable coverage for Senior health needs AND budget
Husband
Wife
Monthly Premium Savings
$132
$132
12 Months 12
Annual Premium Savings *
$1,584
$3,168 Combined Annual Savings
* Example assumes no rate increases on either plan; policyholder must meet HDF calendar-year deductible ($2,180 in 2016) before benefits begin
For Illustrative Purposes Only

46. Premium Savings Example
Potential premium savings over 10-year period
Husband
Wife
Annual Premium Savings *
$1,584
$1,584
10 Years 10
10 Year Premium Savings
$15,840
$31,680 Combined Premium Savings
* Example assumes no rate increases on either plan; policyholder must meet HDF calendar-year deductible ($2,180 in 2016) before benefits begin
For Illustrative Purposes Only

47. 3% Reserve Fund Annuity Save to pay Med-Supp deductible or copayment
Interest rate guaranteed
No lock-in time for deposits
$50 minimum deposit
$5,000 per year maximum deposit
No start-up costs, surrender fees, or commission loads
Can be purchased along with Medicare Supplement plans A, B, D, HDF, G, K and L 3%
RESERVE FUND ANNUITY
UA offers a unique product – RFA assists Med-Supp policyholders with saving to pay HDF calendar-year deductible or copayment
RFA’s interest rate is guaranteed at 3%
No lock-in time for deposits, no surrender charges, and no commission loads
Open with as little as $50 (up to a maximum of two times the annual deductible or $4,360 initial deposit in 2015) and can deposit up to $5,000 per year
Can be purchased along with Medicare Supplement plans A, B, D, HDF, G, K and L

48. How do I Choose…
Which plan is right for me?
If turning 65, you have this one-time Open Enrollment Period.
The decision you make today affects the quality of your care tomorrow.

49. YES How do I Choose… Which plan is right for me?
Do you want the flexibility and freedom to choose your own Doctors?
YES

50. YES How do I Choose… Which plan is right for me?
Do you want to choose your own specialists without referrals and not worry about networks?
YES

51. YES How do I Choose… Which plan is right for me?
Do you want to choose the best cancer treatment facilities available?
YES

52. MAYBE How do I Choose… Which plan is right for me?
Do you want to pay a lower premium to save?
MAYBE

53. YES How do I Choose… Which plan is right for me?
Do you want the flexibility, security, and stability of a Guaranteed Renewable Medicare Supplement policy?
YES

54. MAYBE How do I Choose… Which plan is right for me?
Do you want a plan that includes foreign travel?
MAYBE

55. MAYBE How do I Choose… Which plan is right for me?
I’m not sure what my health will be like 3-5 years from now. Should I consider a lower-cost plan and switch to a better plan down the road?
MAYBE

56. Split into multiple slides -mt
How do I Select an Agent?
Do your HOMEWORK!
Choose an informed local Agent.
OKAY
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How do I Select an Agent?
Do your HOMEWORK!
Ask about their qualifications and designations.
OKAY
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58. Split into multiple slides -mt
How do I Select an Agent?
Do your HOMEWORK!
Ask how long they’ve been selling insurance/Medicare products.
MAYBE
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59. Split into multiple slides -mt
How do I Select an Agent?
Do your HOMEWORK!
Ask how long have they been a licensed Agent.
MAYBE
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60. How do I Select a Carrier?
Why choosing a carrier is important
Why is an A+ (Superior) rating important to me?
How long has the carrier been in the Med-Supp business?
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61. How do I Select a Carrier?
Why choosing a carrier is important
How quickly do they issue policies and pay claims?
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62. How do I Select a Carrier?
Why choosing a carrier is important
Do they outsource their Customer Service call center or, is it here in the USA?
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63. United American Insurance Company
Background History
Industry Ratings
United American in business since 1947
One of the nation's leading writers of individual Medicare Supplements*
A+ (Superior), the second highest Financial Strength Rating from A.M. Best Company for more than 35 consecutive years (as of 6/15)
AA- (Very Strong) Financial Strength Rating from Standard & Poor’s (as of 10/15)
United American opened its doors in 1947 to provide life, supplemental health, and accident coverage to individuals.
Even before Medicare was signed into law in 1966, the Company made the decision to focus its attention on the individual health market with an emphasis on Seniors. This foresight paid off and we gained recognition as one of the nation's leading writers of individual Medicare Supplements. *
In the state of New York, our individual insurance business is conducted through United American's subsidiary, First United American Life Insurance Company. An independent Agent system is used to deliver Annuity or Medicare Supplement coverages to customers living in this state.
* 2015 NAIC Medicare Supplement Loss Ratios in 2014, Medicare Supplement Insurance Experience Reports, June 2015
* Source: 2015 NAIC Medicare Supplement Loss Ratios in 2014, Medicare Supplement Insurance Experience Report, June 2015

64. United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, and MSN10 are available from our Company. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for Medicare Supplement Insurance policies. You may be contacted by an Agent /Producer representing United American Insurance Company.