Between copayments, deductibles, and coverage exclusions Medicare does not cover all medical expenses. To supplement Medicare coverage, you may purchase a Medigap policy from a private insurer. There are currently 12 Medigap plans that are identified by letters A through L. Each plan package offers a different combination of benefits, allowing purchasers to choose the combination that is right for them.

Beginning June 1, 2010, plans E, H, I, and J will no longer be sold. Individuals who already have one of the plans can keep it as long as they like, but no new policies will be sold. At the same time, two new plans — M and N — will be added. Plan M will pay 50 percent of the Part A deductible and some of the cost of foreign travel emergencies. It will not cover the Part B deductible. Plan N will pay the full Part A deductible, but it will require a $20 copayment for Part B office visits and up to a $50 copayment for emergency room visits. Plan N will also cover foreign travel emergencies.

There will also be some changes to the benefits offered by plans. The home health recovery benefit and preventive care benefit offered by some plans will be dropped. The preventive care benefit is duplicative of services that regular Medicare offers. The home health recovery benefit covered some personal services for individuals receiving skilled care through Medicare, but was underused.

Keep checking back for any new additional updates.

Founded in 1958, United Teacher Associates Insurance Company (UTA) offers a variety of life and supplemental health insurance and annuity products. Providing quality products and services has been and continues to be our top priority.

Located in Austin, Texas, UTA is a subsidiary of Great American Financial Resources®, Inc. (GAFRI), and is rated “A- (Excellent); Outlook: Stable” by A.M. Best based on “comprehensive quantitative and qualitative evaluation of balance sheet strength, operating performance, and business profile.”1 UTA is licensed in 46 states, Puerto Rico, and the U.S. Virgin Islands. We do not market in New Hampshire, New York, Rhode Island, or Vermont. United Teacher Associates Medicare supplements plans are generally priced in the lower range. Although you might not find the United Teacher Associates Medicare supplements to offer the lowest rate in your area, they are a solid company with a long history of excellent customer service.

Ask our Medigap coverage specialist for an United Teacher Associates Medigap quote to see how it compares to the other companies we represent. The combination of fair price and United Teacher Associates’s reputation for superior customer service just might make this the best selection for your Medicare supplement needs.

AARP, formerly the American Association of Retired Persons, is a United States-based non-government organization (a special interest group). According to its mission statement, it is “a nonprofit, nonpartisan membership organization for people age 50 and over … dedicated to enhancing quality of life for all as we age,” which “provides a wide range of unique benefits, special products, and services for our members.” AARP operates as a non-profit advocate for its members, one of the most powerful lobbying groups in the United States, and also sells insurance, investment funds and other financial products. AARP claims over 38 million members, making it one of the largest membership organizations for people age 50 and over in the United States.

In order to offer its association members Medicare Supplements, AARP has partnered with United Healthcare to offer all plans – A, B, C, D, E, F, G, H. I, J, K, and L, and a Select Plan C. In many states, AARP has a community rating meaning that they do not consider age, gender, tobacco usage, or geographic location in the state, to determine premiums for their various plans. All persons get the same premium rate for a particular plan. This can be of benefit as you age since they do not have age-related rate increases. At the same time if you are younger the premium for a plan can be higher than those of other companies. Another benefit of AARP/United Healthcare’s offering is that the only medical question they consider (outside of guaranteed issue periods) is if an applicant has “end-stage renal disease. This could allow for guaranteed issue coverage in many situations. United Healthcare Medicare supplements plans are generally priced in the lower range. Although you might not find the United Healthcare Medicare supplements to offer the lowest rate in your area, they are a solid company with a long history of excellent customer service.

Ask our Medigap coverage specialist for an United Healthcare Medigap quote to see how it compares to the other companies we represent. The combination of fair price andUnited Healthcare’s reputation for superior customer service just might make this the best selection for your Medicare supplement needs.

United of Omaha Life Insurance Company offers a diversified portfolio of life insurance, fixed annuities and other insurance and financial services products through Mutual of Omaha’s agency sales force, group sales offices and independent agent networks. United of Omaha supplements plans are generally priced in the lower range. Although you might not find the United of Omaha Medicare supplements to offer the lowest rate in your area, they are a solid company with a long history of excellent customer service.

Ask our Medigap coverage specialist for an United of Omaha Medigap quote to see how it compares to the other companies we represent. The combination of fair price and United of Omaha’s reputation for superior customer service just might make this the best selection for your Medicare supplement needs.