Medicare Supplements

First United American specializes in fulfilling the needs of the Senior market. We currently offer 9 of the 12 Medicare Supplement plans - A, B, C, D, F, HDF+, G, K, and L. All plans provide the core benefits required by the federal government, but differ in the additional benefits each offers. The plan you choose depends on your individual financial situation and personal supplemental needs.

Comparison of First United American Medicare Supplement Policies:

POLICY FORMS:	A	B	C	D	F°	G	K¤	L¤
Part A - Basic Benefits	*	*	*	*	*	*	100%	100%
Part B - Basic Benefits	*	*	*	*	*	*	50%	75%
Skilled Nursing Facility Coinsurance			*	*	*	*	50%	75%
Part A Deductible		*	*	*	*	*	50%	75%
Part B Deductible			*		*		50%	75%
Excess Doctor Charges					100%	80%
Foreign Travel Emergency			*	*	*	*
At-Home Recovery				*		*	$4,440	$2,220

High Deductible Plan F Plus (HDF+)°
HDF+ is a Medicare Supplement Plan F policy that provides all the features and benefits of a standard Plan F, but at a substantially lower premium. A calendar-year deductible, set by the federal government, applies. For 2008, the deductible is $1,900.

Plans K and L¤
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.

With a First United American policy, you have the freedom to choose your provider and hospital. In addition, policies are issued quickly and claims handled expeditiously. Talk with a First UA Agent to learn more about the importance of Medicare Supplements.

Policy Forms NYMSA06, NYMSB06, NYMSC06, NYMSD06, NYMSF06, NYMSG06, NYMSHDF +06, NYMSK06, and NYMSL06. These policies have some limitations and exclusions. Consult your First United American Agent for full plan benefits and explanations. First United American Life Insurance Company is not associated with Medicare, Social Security, or any other governmental agency.

Medicare Supplement Insurance Policies: The policies meet the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 65%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.

Important Notice - A consumer's guide to health insurance for people eligible for Medicare may be obtained from your local social security office or from this insurer.