Additional coverage on the existing Medicare plan is often desired. Medicare health insurance is designed to cater requirements of the senior citizens aged 65 years or more but hardly these insurances provide and overall coverage of the health problems. So, while hunting for an additional health insurance it is best to select the suitable one. There are several Medicare supplement health insurance providers and United American Life Insurance Company is a prominent name. With the standard Medicare insurance, these different options of Medicare supplement health insurance offered by the company can be ideal.
While selecting a supplemental health insurance policy, it is prudent to have a clear insight regarding the gasp that remains even after obtaining the Medicare health coverage. It is worth mentioning that United American Life Insurance Company pioneers among the different Medicare supplement health insurance companies. The three major features of the supplemental health insurance tailored by this health insurance have been detailed below:
- Needs of the senior citizens are identified and the company provides 9 offers out of the 12 offers that a supplemental health insurance provider can offer. The plans are A, B, C, D, F, HDF+, G, K, and L. The core benefits of a standard supplemental health insurance policy are offered and in addition there remain a few additional benefits. According to the personal supplemental requirements these policies may be purchased
- High Deductible Plan F Plus (HDF+) belongs to the F category of supplemental health policy and all of the features of an ordinary Plan F have been included within this policy. Still, the premium amount of this plan is comparatively lower than the other similar policies. For the year 2008, federal government has set the yearly deductibles as $1,900
- Various out of the pocket savings, Plans like K and L comes with a different out-of- the sharing and it is heartening to note that for the plan K, 50% is offered and the Plan L offers about 25%. This is in comparison to all of the plans that range between A-J. As the annual limit of & 4,400 for the plan K and $2,220 for the Plan L if reached, 100% of the Medicare co-payments are offered. Still, the charges that do not fall under the Medicare approved amounts are not included within the schemes and are measured as “excess charges”.