What is United American Medicare Supplement Plan F (HD)?
The High Deductible Medicare Supplement Plan F is a variation on the standard Medicare Plan F available from United American. This policy requires you to pay all out-of-pocket expenses for the first $2,240 in charges, after which United American Insurance Company starts paying its portion of the coverage.
Here are the costs and benefits covered by a High Deductible Plan F policy:
- Part A deductible
- Part B deductible
- Part B excess charges
- Preventative care Part B coinsurance
- Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted
- Part B coinsurance or co-payment
- First three pints of blood used in an approved medical procedure (annually)
- Part A hospice care co-payment or coinsurance
- Skilled Nursing Facility (SNF) coinsurance
- Foreign travel emergency
If you want to avoid significant financial risk and have a low monthly premium, this plan is worth examining. Once the deductible is met, United American is responsible for all remaining hospital and doctor costs after Medicare pays its part.
Premiums on this Medigap plan in Arizona start at $45.00* per month. Other plans from United American may be available at a similar cost. Still, the coverage benefits of this high deductible plan make it an attractive option if you are looking to avoid the risk of high medical bills due to hospitalization, serious illness, or a chronic condition, while keeping your monthly premium as low as possible.
- United American Medicare Supplement Insurance Review (Arizona)
- Cheapest Medicare Supplement Plans in Arizona
United American Medicare Supplement Plan HD-F vs. Competition
The following table shows how United American's Medicare Supplement Plan HD-F stacks up with the competition.
Coverage and Costs
United American Medicare Supplement Plan F (HD) may offer expansive coverage, but it does not cover everything. Beneficiaries are still required to pay their Medicare Part B premium payments each month, and you may have a Part A premium if you did not pay Social Security taxes for at least 40 calendar quarters (10 years). Plus, don't forget that you must pay the first $2,140 out-of-pocket.
Like all other Plan F supplements, this policy covers the gaps in your major medical expenses, but it does not pay for prescriptions, hearing, vision, dental and other healthcare needs not covered by Original Medicare.
The chart below explains how this plan covers the portions of Medicare Part A (hospital insurance) that are not paid by Medicare.
The following table details how the plan covers the portions of Medicare Part B (medical insurance) that are not paid by Medicare.
Prescription Drug Coverage
The 10 standardized Medicare Supplements do not cover prescriptions. Add a Medicare Part D Plan (PDP) for prescription coverage. Here are a few plans available to you in Arizona:
|Express Scripts Medicare - Choice||$98.30||$350.00|
|Cigna-HealthSpring Rx Secure-Extra||$57.70||$100.00|
|Aetna Medicare Rx Select||$12.20||$415.00|
|AARP MedicareRx Preferred||$78.50||$0.00|
|Express Scripts Medicare - Value||$32.20||$415.00|
|AARP MedicareRx Walgreens||$28.10||$415.00|
|Express Scripts Medicare - Saver||$24.00||$415.00|
|Blue MedicareRx Value||$32.90||$415.00|
Foreign Travel Coverage
Medicare does not pay for your healthcare (including emergencies) when you travel outside of the United States of America and its territories. If you travel, be sure to enroll in a plan that will cover you at the level you need.
|Foreign Travel Emergency:|
United American Insurance Rating
United American has a Superior rating from A.M. Best Company, the #1 source for insurance industry rating information. If this was a star rating it would be 4.0 out of 5 stars (Superior). Use this information as a measure of the financial stability of the insurance carrier when considering United American Medicare Supplement Plan F (HD).
United American Medicare Supplement Plan F (HD) is available to all Arizona Medicare beneficiaries, ages 65 and older, enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down. Plus, this insurance policy cannot be canceled. It will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Medicare Supplement insurance is available from United American in Scottsdale, Phoenix, Peoria, Surprise, Mesa, Tucson, Tempe, Yuma, Avondale, Buckeye, Chandler, Goodyear, Gilbert, Lake Havasu City, Flagstaff, Bullhead City, and most other Arizona cities and locations.
Tips and Disclaimers
The Medicare Supplement plan data on MedicareWire.com comes directly from Medicare.gov and private sources and is subject to change. The Centers for Medicare and Medicaid Services, the Arizona State Insurance Commission, and United American has neither reviewed nor endorsed the information on this site.
The benefit information provided on this page is a brief summary only, not a complete description. Limitations and restrictions may apply. For more information contact the insurance carrier directly at https://www2.unitedamerican.com/our-plans/insurance-for-individuals/medicare-supplements/default.aspx.
The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help comsumers:
Get United American Medicare Supplement Plan F (HD) in Arizona at the lowest premium available. Compare with other Arizona Medigap plans and save!
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 Sample premium is for a 65 year old, non smoking, woman living in Arizona. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Arizona Medigap Plan Reviews page.
The Medicare Supplements plan information on MedicareWire is maintained by David Bynon and was last updated on .