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If you have questions call Cliff Grekin at 631-963-6020 or email at Cgrekin91@aol.com .

The First United American F+ plan, is a great value.  At only $62 per month in downstate NY ( most Zip Codes) or $51 per month in upstate NY.
With this supplement plan you can see any doctor or hospital in the country with no referral.  And with an out of pocket maximum expense of only $2,180 it offers a very low cost alternative to restrictive Advantage plans.  Pairing it together with a Silver Script prescription part D plan for only $22.90 per month makes a very complete Medicare plan.  Please contact us for plan details and enrollment information.  F+ benefit summary



History

First United American Life Insurance Company is a New York subsidiary of United American Insurance Company . Since its beginnings more than 20 years ago, First United American has maintained its financial stability, while experiencing tremendous growth. It has developed a reputation for writing quality products in the areas of individual Medicare Supplements.


Industry Ratings

For more than 25 consecutive years, First United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/14).
 

Medicare Supplements

First United American specializes in fulfilling the needs of the Senior market. We currently offer 10 of the 11 Standardized Medicare Supplement plans - A, B, C, D, F, F+, G, K, L, and N. 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:

Price Sheet

Medicare Plans / Benefits
A
B
C
D
F ▼
G
K■
L ■
N
Basic Benefits
Hospitalization
(Part A Coinsurance)
Medical Expenses
(Part B Coinsurance)
100%
100%
100%
100%
100%
100%
50%
75%
100%
Blood
50%
75%
Hospice
50%
75%
Skilled Nursing Facility Coinsurance
.
.
50%
75%
Part A Deductible
.
50%
75%
Part B Deductible
.
.
.
.
.
.
.
Excess Doctor Charges
.
.
.
.
100%
100%
.
.
.
Foreign Travel Emergency
.
.
.
.
Out-of-Pocket
Annual Limit
.
.
.
.
.
.
$4,940
$2,470
.

Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar‑year deductible. Benefits from high deductible Plan F begin after out‑of‑pocket expenses exceed the calendar‑year deductible ($2,140 in 2014). Out‑of‑pocket expenses for this deductible are expenses that are ordinarily paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the separate foreign travel emergency deductible.
Plans K and L provide for different out-of-pocket cost-sharing (50% for Plan K, 25% for Plan L). Once you reach the annual limit ($4,940 for Plan K, $2,470 for Plan L), the plan pays 100% of the Medicare copayments, 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 may increase each year for inflation.
Plan N pays 100% of Medical Expenses (Part B Coinsurance) except for a copayment of up to $20 for an office visit and up to $50 for an emergency room visit. The emergency room copayment is waived if the insured is admitted to any hospital, and the emergency visit is covered as a Medicare Part A expense.

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.

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