United Commercial Travelers of America offers 4 different Medigap Plans in Arizona.
We have outlined the basic benefits of each plan for you below. You can learn more about United Commercial Travelers on their website at http://www.uct.org.
Use the following links to explore the United Commercial Travelers of America plan that interests you:
Medigap Plan A
Plan A is the most basic of all Medigap plans and offers the least benefits. However, it does cover some of the more risky gaps in Original Medicare. It covers:
- Medicare Part A coinsurance payments up to an additional 365 days after Original Medicare benefits are exhausted
- Medicare Part B co-payment or coinsurance expenses, including preventative care coinsurance expenses
- The first three pints of blood used in a medical procedure
- Part A hospice care coinsurance expense or co-payment
IMPORTANT: Beneficiaries of this plan are responsible for covering their Part A deductible in full, which includes hospitalization costs, Skilled Nursing Facility (SNF) care, hospice care, and some home health care services. This plan might be suitable if you have no desire to pay costly premiums for benefits you are not likely to use.
CRITICAL: Most Medigap plans pay some or all of the Part A deductible. In general, Plan A is the least expensive, but other plans offer more coverage. It's important to realize that this plan has the potential for high out-of-pocket costs should you require inpatient hospital care. Make this a serious consideration before choosing Plan A.
Medigap Plan F
Out of the 10 standardized plans available in Arizona, Plan F is the most comprehensive. The expansive coverage makes it very popular, but it's also the most expensive. United Commercial Travelers leaves its beneficiary with zero out-of-pocket costs with this plan. That's because it pays all remaining doctor, specialist, lab, hospital, skilled nursing and home care costs after Medicare pays its share.
With Medigap Plan F, United Commercial Travelers covers:
- 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 co-insurance 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
IMPORTANT: Other United Commercial Travelers of America plans are available at a lower premium, but Plan F helps you eliminate high out-of-pocket costs.
CRITICAL: Plan F offers expansive coverage, but it does not cover everything. Beneficiaries continue to pay their monthly Medicare Part B premium, and you may have a Part A premium if you did not pay the necessary Social Security taxes. Also, this policy covers the gaps in your major medical, but it does not pay for prescriptions, hearing, vision or dental.
Medigap Plan G
Medigap Plan G is nearly identical to Plan F. Both offer comprehensive coverage. The difference is that Plan G requires you to pay the Medicare Part B deductible. That's the only out-of-pocket expense with this policy.
The United Commercial Travelers Plan G helps its beneficiaries cover the excess costs that Medicare does not pay. Here's what it covers:
- Medicare Part A hospital coinsurance and all costs up to 365 days after Original Medicare benefits are exhausted
- Part A hospice care coinsurance or co-payment
- Part A deductible
- Medicare Part B preventive care coinsurance coverage
- Part B coinsurance or co-payment coverage
- Part B excess charges
- First three pints of blood for a medical procedure
- Skilled Nursing Facility (SNF) care coinsurance coverage
- Foreign travel emergency coverage
IMPORTANT: Most Medigap plans don't cover Part B excess charges, but this plan does. Excess charges are additional expenses incurred outside of the Medicare-approved charge. This coverage is particularly beneficial if you have frequent medical needs.
United Commercial Travelers of America services Plan G. The coverage details are the same no matter where you get the policy. Just remember, premiums and availability varies by carrier. That's why we recommend shopping around to find the premium that works best for you.
Medigap Plan N
Plan N is one of the newest supplements available in Arizona. It fills Medicare coverage gaps in a slightly different way by providing coverage in addition to the standard benefits. Here's what it includes:
- Medicare Part A hospital coinsurance and other costs up to an additional 365 days after Original Medicare benefits are exhausted
- Medicare Part A hospice care coinsurance or co-payment
- Medicare Part B coinsurance or co-payments (except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in inpatient care)
- First three pints of blood used in a medical procedure
Plan N also offers these additional benefits:
- Skilled Nursing Facility (SNF) coinsurance
- Medicare Part A deductible
- Foreign travel emergency care (up to plan limits)
IMPORTANT: Plan N typcally costs about 25% less than a Plan F because it covers fewer gaps. In most cases, beneficiaries will be required to pay a $20 copayment when they see their doctor or go to the emergency room (unless admitted). Plus, the Part B deductible and Part B excess charges are not covered.
United Commercial Travelers Medigap plans are available to all Arizona Medicare beneficiaries, ages 65 and older, who are enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by United Commercial Travelers of America. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
United Commercial Travelers Medigap plans are available 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.
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 Commercial Travelers of America 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 http://www.uct.org.
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Medicare Supplement insurance, also known as Medigap insurance, must follow federal and state laws and does not work with any other type of health insurance, including Medicare Advantage Plans, employer/union group health coverage, Medicaid, Veterans Administration (VA) benefits, or TRICARE. Insurance companies, including United Commercial Travelers of America, can only sell you a standardized Medigap policy identified by letters A through M. Each standardized policy must offer the same benefits, no matter which insurance company sells it. Cost is the only difference between Medigap policies sold by different insurance companies.
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This Medicare Supplement insurance information is maintained by David Bynon and was last updated on .
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