When you own a United World Life Insurance Company Medicare Supplement, you get the reputation of the parent company Mutual of Omaha, which has been in business for over 100 years.  Throughout much of the country, United World is known to offer the lowest monthly premium of any company available in the Medicare Supplement (Medigap) market place.

You can run Instant Quotes to compare plans in your area and view plan brochures and applications.  The chart below shows the benefits included in each of the ten standard Medicare Supplement (Medigap) plans.

Features A B C D F G K L M N  Part A Hospital Coinsurance  Lifetime Reserve Days  365 More Hospital Days  Parts A and B Blood 50% 75%  Part B Coinsurance 50% 75%  Part A Hospice Coinsurance 50% 75%  Skilled Nursing Coinsurance - - 50% 75%  Part A Deductible $1,100 in 2010 -- 50% 75% 50%  Part B Deductible $155 in 2010 (except for $20 copay for office visits and a $50 copay for Emergency Room visits) -- - - - - - - -  Part B Excess -- -- - - - - - -  Foreign Travel Emergency -- -- -  Out of Pocket Limits - - - - - -  $4,620  $2,310 - -

Plan F also has high deductible options, which some companies may offer.  These high deductible plans pay the same benefits as Plan F and J after one has paid a calendar year $2070 deductible.  Benefits from high deductible Plans F will not begin until out-of-pocket expenses exceed $2070.

Plans K through N provide for different cost-sharing for items and services than Plans A through G.  With Plans K and L, once you reach your annual "out-of-pocket limit," the plan will then pay 100% of the Medicare co-payment, co-insurance and deductibles for the rest of the calendar year.  The out-of-pocket limit does not include charges for any provider that exceeds Medicare-approved amounts, known as "excess charges."  The annual out-f-pocket limits for these plans in 2012 are $4660 for Plan K, and $2330 for Plan L.

Deductible - Part A $1132 (appears twice in the benefit grid); Part B $162

With Plan M you pay 50% of your Part A Deductible ($1132 per benefit period), as well as the entire Part B deductible ($162 in 2011). Plan N pays all of your Part A Deductible, and you pay the entire Part B deductible ($162 in 2011) plus a $20 copayment for office visits and a $50 copayment for Emergency Room visits.

After the Medicare Supplement plan is mailed or delivered, you have a 30-day free look to examine the plan and to decide if you want to keep it.  If you return the plan within 30 days, all of your money will be refunded.

Note:  Not all plans are available in all states.  Run an instant quote to see plans in your area, or contact us for your available options.

How to Apply for United World Medigap Plans

Once you decide on a plan, contact us and we will email you an application.  Then simply complete the application and fax it to us toll-free at 866-284-0082.  Mail the original copy of your application*, along with a check for the first month's premium to:

MediGap Advisors
Application Processing Department
194 Treasure Lake
DuBois, PA 15801

* If paying via bank draft, you do not need to mail your application

Before submitting your application, be sure that you:

1. Complete all forms in full and sign them.
   
2. Make sure to use the correct application for your state.
   
3. If you are not applying during an open enrollment period, be sure to answer all health questions.
   
4. Include a check, money order or cashiers check in the amount of the premium for the mode selected, or the bank draft authorization, if premiums are to be drafted, submitted along with your application.  All checks should be made payable to United of World.

If you have any questions or need assistance, call 866-323-1441 and we'll give you a quick answer or assign someone on our team to be your own personal MediGap Advisors.

Underwriting

If you are outside of your open enrollment period, your application will be selectively underwritten.  Be sure to answer all health questions.  If you are applying for Plan N should not answer the comprehensive list of health questions.  Plan N applicants in CO, FL, KS, ME, PA and SD are required to answer the End-Stage Renal Disease (ESRD) question.  The answers to the health questions on the application will determine your eligibility for coverage.  If any health questions are answered “Yes,” you will not be not eligible for coverage and will be declined.

Open Enrollment

To be eligible for Open Enrollment, you must be at least 64 ½ years of age (in most states) and be within six months of your enrollment in Medicare Part B. Applicants covered under Medicare Part B prior to age 65 are eligible for a six-month Open Enrollment period upon reaching age 65.

Additional Open Enrollment periods for Residents of the following state:

California – Annual Open Enrollment lasting 90 days, beginning 60 days before and ending 30 days after your birthday, during which time you may replace any Medicare supplement policy with a policy of equal or lesser benefits. Coverage will not be made effective prior to your birthday. Please include documentation verifying the Plan information and paid to date of the current coverage. If you are replacing a pre-standardized Plan, a copy of the current policy or policy schedule is required.

Maine – One month Open Enrollment period every year in June for Plan A.

Individuals who have had a Medicare supplement plan or another health plan that supplements benefits provided by Medicare within 90 days are eligible for a plan that provides equal or lesser benefits. Please include documentation verifying the Plan information or the benefits of the coverage being replaced.

About United World

United World Life Insurance Company

A Mutual of Omaha company since 1983, United World Life Insurance Company offers specialty life insurance and Medicare supplement plans. 

MediGap Advisors is an independent United World producer.