UnitedHealthcare offers Medicare Supplement (Medigap) plans through Secure Horizons, which are insurance plans and are insured by PacifiCare Life Assurance Company.

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 $2000 deductible.  Benefits from high deductible Plans F will not begin until out-of-pocket expenses exceed $2000.

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 2010 are $4620 for Plan K, and $2310 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 UnitedHealthcare 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 UnitedHealthcare.

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.

About UnitedHealthcare Insurance Company

UnitedHealthcare
Today, UnitedHealthcare servers more than 25 million customers. Our network plans can ease access to high-quality care from more than 560,000 physicians and 4,800 hospitals across all 50 states and in four international markets.* We combine our strength and stability with nearly three decades of experience serving customers of all sizes.

Secure Horizons

In most states SecureHorizons Medicare Supplement insurance plans are offered by PacifiCare Life and Health Insurance Company, a UnitedHealthcare company; in Arizona, Colorado, Nevada, Oklahoma, Oregon, and Texas SecureHorizons Medicare Supplement insurance plans are offered by PacifiCare Life Assurance Company, private insurance companies not connected with or endorsed by the U.S. government or the federal Medicare program.

Experience and Expertise
UnitedHealthcare's experience and expertise has driven the development of easy-to-use and innovative health insurance products. A recognized leader - and one of the nation's largest providers - of health savings account plans, Golden Rule continues building plans that meet the needs of individuals and families, UnitedHealthcare continues building plans that meet the needs of individuals and families. Golden Rule is rated "A" (Excellent) by A.M. Best and "A+" (Strong) by Standard and Poor's. These worldwide, independent organizations examine insurance companies and other businesses and publish their opinions about them. These ratings are an indication of four financial strength and stability.

Customer Satisfaction

• More than 92% of all health insurance claims are processed in 10 working days or less.**
  
• Up to 35%-45% discounts are provided on quality care thanks to our extensive network of doctors and hospitals.***
  
• We're easy to reach with a toll-free customer service line. We respond quickly to customer questions and concerns.

* As of 7/28/2008.
** Actual 2007 results.
*** Discounts vary by provider, geographic area, and type of service.

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MediGap Advisors is an independent UnitedHealthcare producer.