What is United American Medicare Supplement Plan L?
Medicare Supplement Plan L is a cost sharing plan. Due to its higher degree of cost-sharing, United American's Plan L premiums (starting at $133.00* per month) are lower than their Plan F.
United American's Medicare Plan L policy pays all of the costs of:
- Medicare Part A coinsurance and hospital costs up to 365 days after Original Medicare benefits are exhausted
- Medicare Part B preventive care coinsurance
Plan L covers 75% of these costs:
- Medicare Part A hospice care coinsurance or co-payment
- Medicare Part A deductible
- Medicare Part B coinsurance or co-payment
- First three pints of blood used in a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance
This Medigap policy is an option to consider if you can afford the up-front deductibles ($2,620 out-of-pocket limit plus Part B deductible). Plan L covers the basic benefits required of all Medicare Supplements, but may not pay 100 percent of each costs. We compared United American with all other Medigap insurance providers in Michigan and gave them 4.0 stars out of 5.
United American Medicare Supplement Plan L vs. Competition
The following table shows how United American's Medicare Supplement Plan L stacks up with the competition.
Coverage and Costs
This Plan L from United American may include premiums, deductibles, coinsurance, and co-payments. Because Plan L has a higher level of cost-sharing than other Medigap plans, beneficiaries are responsible for more than a monthly plan premium. The trade-off is that premiums are generally lower.
Unlike most supplements, Plan L policies protect you with a $2,470 annual out-of-pocket limit. The trade-off is that Plan L includes more cost-sharing than other plans. However, after you reach the limit and pay your Medicare Part B deductible, the insurance pays 100% of all costs for the remainder of the year.
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 Michigan:
|AARP MedicareRx Walgreens||$26.70||$405.00|
|Prescription Blue Option A||$73.10||$360.00|
|Aetna Medicare Rx Saver||$31.20||$245.00|
|Cigna-HealthSpring Rx Secure-Extra||$47.30||$0.00|
|Aetna Medicare Rx Select||$17.70||$405.00|
|Prescription Blue Option B||$102.60||$0.00|
|First Health Part D Value Plus||$56.30||$0.00|
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 L.
United American Medicare Supplement Plan L is available to all Michigan 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 Detroit, Warren, Dearborn, Grand Rapids, Flint, Lansing, Sterling Heights, Ann Arbor, Livonia, Dearborn, Clinton, Westland, Kalamazoo, Southfield, Troy, Pontiac, Taylor, Saginaw, Saint Clair Shores, Waterford, Royal Oak, Wyoming, Dearborn Heights, and most other Michigan 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 Michigan 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 L in Michigan at the lowest premium available. Compare with other Michigan Medigap plans and save!
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 Sample premium is for a 65 year old, non smoking, woman living in Michigan. 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 Michigan Medigap Plan Reviews page.
This Medicare Supplement insurance information is maintained by David Bynon and was last updated on .