SENIOR CARE

If you think Medicare alone will take care of you, take a look at the chart below, and then give us a call. We can set you up with a Medicare supplement policy that will cover the Medicare deductibles and co-pays.

If you think Medicare alone will take care of you, take a look at the chart below, and then give us a call. We can set you up with a Medicare supplement policy that will cover the Medicare deductibles and co-pays.

Chart 1: Medicare Part A Covered Services for 2001
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Hospitalization: Semiprivate room and board, general nursing and other hospital services and supplies, (Medicare payments base on benefit periods).	First 60 days 61st to 90th day 91st to 150th day* Beyond 150 days	All but $792 All but $198 a day All but $396 a day NOTHING	$792 $198 a day $396 a day ALL COSTS
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Skilled Nursing Facility Care: Semiprivate room and board, skilled nursing and rehabilitative services and other services and supplies.** (Medicare coverage based on benefit periods).	First 20 Days	100% of approved amount.	NOTHING
	Additional 80 days	All but $99.00 a day	Up to $99.00 a day
	Beyond 100 days	NOTHING	ALL COSTS
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Home Health Care: Part-time or intermittent skilled care, home health aide services, durable medical equipment and supplies and other services.	Unlimited as long as you meet Medicare requirements for home health care benefits.	100% of approved amount for services;80% of approved amount for durable medical equipment.	Nothing for services; 20% of approved amount for durable medical equipment.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Hospice Care:
Pain relief, symptom management and support services for the terminally ill.	For as long as doctor certifies need.	All but limited costs for outpatient drugs and inpatient respite care.	Limited cost sharing for outpatient drugs and inpatient respite care.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
BLOOD:
When furnished by a hospital or skilled nursing facility during a covered stay.	Unlimited during a benefit period if medically necessary.	All but 3 pints per calendar year.	For first 3 pints.***
(*Subject to change without notice) Chart 2: Medicare Part B Covered Services for 2001
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
MEDICAL EXPENSES Physician's services, inpatient and Outpatient medical and surgical services and supplies, physical, occupational and speech therapy, diagnostic tests, and durable medical equipment	Unlimited services if medically necessary, except for the services of independent physical and occupational therapists.	80% of approved amount (after $100 deductible); 50% of approved amount for most outpatient mental health services; up to $720 a year each for independent physical therapy.	100% deductible; 20% of approved amount after deductible; charges above approved amount;**50% for most outpatient mental health services; 20% of first $900 for each independent physical and occupational therapy and all charges thereafter each year.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
CLINICAL LABORATORY SERVICES Blood test, urinalysis, and more.	Unlimited if medically necessary.	Generally 100% of approved amount.	Nothing for Services.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
HOME HEALTH CARE Part-time or intermittent skilled care, Home health aide services, durable medicalEquipment and supplies and other services.	Unlimited as long as you meet Medicare requirements.	100% of approved amount for services; 80% of approved amount for durable medical equipment.	Nothing for services; 20% of amount Medicare approves for durable medical equipment.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
OUT PATIENT HOSPITAL SERVICES Services for the diagnosis or treatment of An illness or injury.	Unlimited if medically necessary.	Medicare payment to hospital based on hospital costs.	20% of whatever the hospital charges (after $100 deductible).*
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
BLOOD	Unlimited if medically necessary.	80% of approved amount (after $100 deductible and starting with 4th pint).	First 3 pints plus 20% of approved amount for additional pints (after $100 deductible).***
Chart 1: Medicare Part A Covered Services for 2001
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Hospitalization: Semiprivate room and board, general nursing and other hospital services and supplies, (Medicare payments base on benefit periods).	First 60 days 61st to 90th day 91st to 150th day* Beyond 150 days	All but $792 All but $198 a day All but $396 a day NOTHING	$792 $198 a day $396 a day ALL COSTS
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Skilled Nursing Facility Care: Semiprivate room and board, skilled nursing and rehabilitative services and other services and supplies.** (Medicare coverage based on benefit periods).	First 20 Days	100% of approved amount.	NOTHING
	Additional 80 days	All but $99.00 a day	Up to $99.00 a day
	Beyond 100 days	NOTHING	ALL COSTS
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Home Health Care: Part-time or intermittent skilled care, home health aide services, durable medical equipment and supplies and other services.	Unlimited as long as you meet Medicare requirements for home health care benefits.	100% of approved amount for services;80% of approved amount for durable medical equipment.	Nothing for services; 20% of approved amount for durable medical equipment.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
Hospice Care:
Pain relief, symptom management and support services for the terminally ill.	For as long as doctor certifies need.	All but limited costs for outpatient drugs and inpatient respite care.	Limited cost sharing for outpatient drugs and inpatient respite care.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
BLOOD:
When furnished by a hospital or skilled nursing facility during a covered stay.	Unlimited during a benefit period if medically necessary.	All but 3 pints per calendar year.	For first 3 pints.***
(*Subject to change without notice)   Chart 2: Medicare Part B Covered Services for 2001
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
MEDICAL EXPENSES Physician's services, inpatient and Outpatient medical and surgical services and supplies, physical, occupational and speech therapy, diagnostic tests, and durable medical equipment	Unlimited services if medically necessary, except for the services of independent physical and occupational therapists.	80% of approved amount (after $100 deductible); 50% of approved amount for most outpatient mental health services; up to $720 a year each for independent physical therapy.	100% deductible; 20% of approved amount after deductible; charges above approved amount;**50% for most outpatient mental health services; 20% of first $900 for each independent physical and occupational therapy and all charges thereafter each year.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
CLINICAL LABORATORY SERVICES Blood test, urinalysis, and more.	Unlimited if medically necessary.	Generally 100% of approved amount.	Nothing for Services.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
HOME HEALTH CARE Part-time or intermittent skilled care, Home health aide services, durable medicalEquipment and supplies and other services.	Unlimited as long as you meet Medicare requirements.	100% of approved amount for services; 80% of approved amount for durable medical equipment.	Nothing for services; 20% of amount Medicare approves for durable medical equipment.
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
OUT PATIENT HOSPITAL SERVICES Services for the diagnosis or treatment of An illness or injury.	Unlimited if medically necessary.	Medicare payment to hospital based on hospital costs.	20% of whatever the hospital charges (after $100 deductible).*
SERVICE	BENEFIT	MEDICARE PAYS	YOU PAY
BLOOD	Unlimited if medically necessary.	80% of approved amount (after $100 deductible and starting with 4th pint).	First 3 pints plus 20% of approved amount for additional pints (after $100 deductible).***

(*Subject to change without notice)

Chart 3: First United American Life ProCare Plan

First UA'S Procare Plans	A	B*	C	D	F	G
Core Benefits: Parts A/B coinsurance: Pays 100% for Hospital charges after Medicare runs out 385 days max. first 3 pints of blood.	X	X	X	n/a	X	n/a
Skilled Nursing Home: Pays for Medicare covered stays in Medicare certified facilities for 21st through 100th day of confinement.			X		X
PART A HOSPITAL DEDUCTIBLE		X	X		X
PART B DEDUCTIBLE			X		X
Excess Doctor Charges: Pays the difference between the actual incurred charge and the Medicare approved Part B charge.					100%
Foreign Travel" $250 annual deductible; $50,000 lifetime Maximum: pays 80% of medically necessary costs outside the U.S.			X		X
At-Home Recovery: Pays up to $40 per visit for no mere than 7 visits a week: maximum of $1,600 per year. *Plan B provides both senior and underage disability protection.