Medicare

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New York
Medicare Supplement Protection
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ProCare Medicare Supplement Policies
Important notice a consumers guide to health
insurance for people eligible for Medicare may be
obtained from your local Social Security Office
or from this insurer. First United American Life
Insurance Company is not connected with or
endorsed by the U.S. Government or Federal
Medicare program. Policies have some limitations
and exclusions. Medicare Supplement Insurance
Policy Forms NYMSA06, NYMSB06, NYMSC06, NYMSD06,
NYMSF06, NYMSHDF06, NYMSG06, NYMSK06 and NYMSL06
are available from First United American Life
Insurance Company. This is a solicitation for
insurance and you will be contacted by a
state-licensed insurance Agent representing First
United American Life Insurance Company. UNDERWRIT
ING INFORMATION ABOUT THESE POLICIES For each
of the Medicare Supplement Policies shown in this
presentation 1) The policy effective date is
the date the application is accepted in the home
office or a later date that is requested.
Policies submitted with a monthly premium
will be effective the date the Company issues the
policy. 2) The pre-existing waiting period is 60
days waiting period waived if replacing an
existing health policy. 3) The applicant must
be insured by no other Medicare Supplements
unless the coverage is being replaced.
Pre-existing conditions a condition must have
been treated, had treatment recommended, or had
medical advice given within 6 months prior
to the effective date of the policy. The
policies described herein meet the minimum
standards for Medicare Supplement Insurance as
defined by the New York State Insurance
Department. The expected benefit ratio for the
policies is 65. This ratio is the portion of the
future premiums which the Company expects to
return as benefits, when averaged over all people
with these policies.
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MEDICARE is a governmental health insurance
program for Seniors age 65 and older and people
with disabilities. Medicare is divided into two
parts.
Medical Insurance Doctor and surgeon fees
Most lab tests and X-rays performed outside the
hospital Outpatient treatment
Hospital Insurance Room and board Other costs
associated with confinement Skilled
nursing facility care and some home health and
hospice care
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Medicare Enrollment
Medicare Part A
Medicare Part B
Enrollment is automatic through Social Security
Enrollment is Optional
Premium Free (for most
people)
Monthly premium of 96.40, (for most people)
Enrollee responsible for certain deductibles
and out-of-pocket expenses
Enrollee responsible for certain deductibles
and out-of-pocket expenses
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Medicare Part A Deductibles
Must be paid by the beneficiary each benefit
period.
Hospital Medicare Pays You Pay Days 1-60 Most
confinement 1,024 deductible costs after
deductible Days 61-90 All eligible remaining
costs 256 daily Days 91-150 All eligible
remaining costs 512 daily Days 151 on Nothing
All hospital costs

• SkilledNursing
  
  Facility Medicare Pays You Pay
• Days 1-20 All eligible expenses Nothing
• Days 21-100 All eligible remaining 128
  daily expenses
• Days 101 on Nothing All costs

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Medicare Part B
Has an annual deductible of 135 for 2008.
For each eligible Part B medical expense,
Medicare determines a reasonable fee called the
approved charge.
Medicare generally pays 80 of the approved
amount you pay 20 plus excess costs.
You Pay 135 annual deductible 20 100 of
charges above Medicare approved charges
Annual Deductible Approved Charges Excess
Charges
Medicare Pays 0 Generally pays 80 0
New York limits the amount you can be charged for
most non-hospital Part B services to 105 of the
Medicare approved amount. The limit for doctors
office visits is 115. If your New York provider
does not accept Medicare assignment, he can
charge you no more than the allowed percentage
approved less Medicare paid for the services
provided.
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Medicare Supplement plans are designed to cover
some of the deductibles and out-of-pocket
expenses that Medicare alone does not pay.

• All Medicare Supplement plans were standardized
  by the federal government to make benefit
  comparisons easier. There are 14 standardized
  plans.
• Insurers can offer any or all standardized plans,
  but they must offer Plan A and Plan B.

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All standardized Medicare Supplement plans
include these core benefits

• Hospitalization Part A coinsurance plus coverage
  for 365 additional days after Medicare benefits
  end
• Medical Expenses Part B coinsurance(generally
  20 of the Medicare-approved expenses)
• Blood First 3 pints of blood each year

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Comparison of Benefits
First United Americans ProCare portfolio
consists of 9 of 14 standardized plans. (Shown
in color)


?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. ??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 co-payments, 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.
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There are a number of factors to consider before
deciding on a Medicare Supplement plan.

• Your Needs How much coverage will you need now
  and in the future? Compare the benefits of each
  plan carefully. Above all, the plan should be
  suitable to your individual needs.
• Your Budget Consider whether you will be able to
  afford the premiums on the plan youve selected.
• The Company Only policies are standardized,
  companies are not. Research the companys track
  record number of years in the industry,
  financial strength ratings, and claims-paying
  history. The best company is not necessarily the
  one with the lowest premiums.

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First United American strives to deliver quality,
innovative service to our policyholders through
extensive Home Office support and one-on-one
Agent attention.

• Your Choice of Doctors/Hospitals
• Guaranteed Renewable, as long as premiums are
  paid on time
• Top Industry Rating
• Local Agent
• Medicare Supplement Claims processed in 4.1
  days
• Commitment to Senior Health Market

A (Superior) Financial Strength Rating from
A.M. Best as of 6/08. Based on Company records
as of 12/07.
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First United American is proud of its strong
tradition of financial stability. We continually
receive top industry ratings, proof we will be
here for the long term.

• A (Superior) for financial stability from
• A.M. Best Company
• for nearly 20 consecutive years

This rating refers only to the financial strength
of the company and is not a recommendation of the
specific policy provisions, notes, or practices
of the insurance company. Rating as of 6/08.
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As a tool for Agents and Prospects we also have
available the Medicare Part A B Chart which
details which charges Parts A B do and do not
cover.

• Click Here to download a PDF file of the A B
  Chart.

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We also offer the Side by Side Guide brochure. It
details the Medicare Supplement plans we offer
and illustrates comparisons of potential charges
based on the plans selected.

• Click Here to download a PDF file of the Side by
  Side Guide.