Effective April 1, 2013: Pennsylvania rate information for AARP Medicare Supplement Insurance Plans

Transcription

1 Effective April 1, 2013: Pennsylvania rate information for AARP Medicare Supplement Insurance Plans New 2013 rates for Pennsylvania consumers will take effect on April 1, This communication provides you with important details about the rate changes for 2013 in Pennsylvania and the billing materials members will receive during the week of October 29, 2012 for AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company (UnitedHealthcare). The charts below illustrate rate change percentages by plan for Pennsylvania. One chart is for members with plan effective dates of June 1, 2010, or later and the other is for members with plan effective dates up through May 1, Please note: the member s effective date of coverage will determine which chart applies. Rate changes vary by state, plan, effective date of coverage, and applicable discounts and adjustments. Effective April 1, 2013, the rates in Pennsylvania will change as outlined below*: For members with plan effective dates of June 1, 2010, or later Area A B C F K L N Area 1 0.0% 4.9% 4.9% 5.0% -9.9% 2.5% 7.4% Area 2 0.0% 5.1% 4.9% 4.8% -9.8% 2.5% 7.5% Area 3 0.0% 5.0% 5.0% 4.9% -10.1% 2.4% 7.5% For members with plan effective dates up through May 1, 2010 Area A B C D E F G H I J K L Area 1 0.0% 5.0% 5.0% 5.1% 5.1% 5.0% 5.1% 4.0% 4.0% 4.0% -9.9% 2.6% Area 2 0.0% 5.0% 5.0% 5.1% 5.1% 5.0% 5.1% 4.1% 4.0% 3.9% -9.9% 2.6% Area 3 0.0% 5.1% 5.1% 5.2% 5.2% 5.1% 5.1% 4.0% 4.1% 3.9% -10.0% 2.6% *Any newly enrolled members who are within their initial 6 months of coverage when the rate increase goes into effect, will continue to pay the 2012 premium amount until the expiration of their rate guarantee period. Important information about continuing to offer AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare, as new rates are being implemented: Enrollment material Continue to use the 2012 Enrollment Kits until 2013 materials become available and insert the attached flier (SA25289ST_3-13) into any enrollment kits you have on hand. The flier states that 2012 rates will continue for plan effective dates through March 1, Any enrollment kits ordered after this announcement will indicate that the rates shown continue for plan effective dates through March 1, 2013.

2 Effective April 1, 2013: Pennsylvania rate information for AARP Medicare Supplement Insurance Plans Advise consumers that the 2013 AARP Medicare Supplement Insurance Plans monthly premium amounts will change starting April 1, Note: Although 2012 AARP Medicare Supplement Insurance plan rates remain the same through March, individual consumers may notice changes in their monthly premium amount due to changes in discounts and other adjustments. Be sure to let consumers know that Medicare copayments and deductibles will be changing January 1, As always, AARP Medicare Supplement Insurance Plans will cover changes in Medicare copayments and deductibles, as applicable Enrollment Kits will include the 2013 rate information and Medicare deductible and copayment amounts. We expect these materials to be available to order and download from the Distribution Portal in January, Finalized rate information access and availability The 2013 rate information for Pennsylvania can be accessed on the Distribution Portal at: Product Information and Materials > Product Information > Medicare Supplement > AARP > Rates and Underwriting > 2013 Annual Rate Change. Important information about materials current members are receiving as new rates are being implemented: Billing information for current insured members The member billing material will include: A letter notifying the member of their new monthly premium payment (including any applicable discounts). View the two versions of the letter: o Coupon payer letter o Electronic File Transfer (EFT) payer letter A 2013 coupon book (for members who pay their premium by check). The coupon books will be mailed to members under separate cover and will not be included with the member notification letter. Notification about any change in the amount of the EFT withdrawal based on the 2013 rates (for members who pay their premium by EFT). AARP does not make individual recommendations for health-related products, services, insurance or programs. Contact For more information, contact your AARP Medicare Supplement Insurance Plans Regional Sales Manager or send an to the Producer Help Desk at phd@uhc.com (include agent writing number in the subject line).

3 Effective April 1, 2013: Pennsylvania rate information for AARP Medicare Supplement Insurance Plans AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse agents, brokers, representatives or advisors. AARP Medicare Supplement Plans are insured by UnitedHealthcare Insurance Company (UnitedHealthcare Insurance Company of New York for New York residents). October 24, Confidential and proprietary. For internal/agent use only. Do not distribute.

4 Rates shown are valid for Plan effective dates through March 1, SA25289ST BW 3-13

5 Annual Notice of Rate Phone TTY 711 Member Number Date Member Name Address IMPORTANT HEALTH INSURANCE RATE INFORMATION Dear (--FULL NAME: INSURED 1--) and (--FULL NAME: INSURED 2--), Thank you for allowing UnitedHealthcare Insurance Company to bring you and your loved ones quality health insurance.. UnitedHealthcare works hard to offer valuable coverage and helpful customer service Plan and Payment Information We are very pleased to tell you that your AARP Medicare Supplement Plan rates will not increase for the first three months of Your new rate will not take effect until April 2013.* Information on your plan(s), rate(s), and monthly payment is printed on the back of this letter. Please note: your new coupon payment book and envelopes will arrive together shortly. We would like to remind you that you can save up to $24.00 per year by signing up for Electronic Funds Transfer (EFT). If you are interested in EFT, please call customer service to have the authorization form sent to you. For More Help Please take a moment to look over this notice. If you have questions, please call customer service at (TTY: 711) weekdays from 7 a.m. to 11 p.m. and Saturdays from 9 a.m. to 5 p.m. Eastern Time. En Español Thank you. Sincerely, Barbara McClatchy Vice President, Member Experience UnitedHealthcare Insurance Company * Although your AARP Medicare Supplement Plan rate remains the same until April, any changes in discounts and adjustments or other plan rates may result in a change to your overall premium amount. AARP Supplemental and Personal Health Insurance Plans carry the AARP name and UnitedHealthcare Insurance Company (UnitedHealthcare Insurance Company of New York for New York residents) pays a royalty fee to AARP for use of the AARP intellectual property. Amounts paid are used for the general purposes of AARP and its members. Neither AARP nor its affiliate is the insurer. REBILL2013_CPN_DEFER

6 Your plans and rates Member Name Address This is a review of the AARP-branded plans you have with UnitedHealthcare under this account and the rate for each plan for the upcoming year. Insured 1: (--Full-Name: Active Person 1--) Plan Code Coverage Monthly Rate (without discounts) XX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXX Insured 2: (--Full-Name: Active Person 1--) Plan Code Coverage Monthly Rate (without discounts) How much you owe XX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXX These amounts will appear on each coupon page for the month shown. The amount due is the total household premium including all of your discounts and adjustments. Monthly Premium Due Date Amount Due January February March April May June July August September October November December

7 Member Name Address Don t Forget These Plan Features: You can choose any doctor you wish to see You don t need any referrals Helpful representatives are on hand to talk about your coverage and options Answers to your frequently asked questions about your health insurance coverage insured by UnitedHealthcare. Can I replace my identification card or payment envelopes? You can get replacement identification cards or payment materials by calling the automated Customer Express Service line at , or by visiting and registering. Then click on Your Account. Please have your AARP membership number ready. If you have additional questions, please call customer service toll-free at Monday to Friday, 7 a.m. to 11 p.m. and Saturday, 9 a.m. to 5 p.m., Eastern Time. (TTY users should call 711.) I called for a change to my coverage. When will it be processed? Any request affecting your insurance coverage, including an address change, most often becomes effective on the first day of the month after the date we get your notice. If the change calls for you to fill out a new application for example, you re signing up for a different plan that change becomes effective the first day of the month after the date your application is accepted. What happens to my insurance coverage if I move? If you are moving, your coverage moves with you in most cases. Please note that AARP Medicare Select Plans* are network-based. If no network is available, AARP Medicare Supplement Plans* are available to replace your coverage. Personal Health Insurance Plans* can t go with you if you move outside of the United States or its territories. Call customer service toll-free at to tell us about your move. Plan rates and discounts vary by location; your cost will be based on the new area where you live. * Insured by UnitedHealthcare Insurance Company (UnitedHealthcare Insurance Company of New York for New York residents). (Continued on back)

8 Member Name Address My needs are changing. How do I find out about other plans? If you have questions about your current coverage or other plans, simply call and a customer service representative can go over your options. What if I am traveling or ill and can t send in my payment? If you are worried about missing a payment, you can name a family member or friend as your Third Party Designee. This person will get a copy of all billing letters about your coverage but is not responsible for making your payments. Call customer service at to set up a Third Party Designee. Also, you may also want to think about Electronic Funds Transfer (EFT) if you are not already set up for automatic payments. What are some of the discounts and adjustments that may result in a difference in the rate shown on my plan summary and the amount I owe each month? Some of the discounts and adjustments you may see are: Employer contributions made on your behalf Funds applied from your pension A credit left on your account A tobacco-use adjustment if applicable Need to contact us? Keep these important telephone numbers handy. General health insurance plan information: Questions about your rates or billing: (TTY: 711) En Espanol: Questions regarding your employer or pension contribution: Automated customer service line: Or Please address all correspondence to: Customer Service, PO Box 1017, Montgomeryville PA

9 Annual Notice of Rate Phone TTY 711 Member Number Date Member Name Address IMPORTANT HEALTH INSURANCE RATE INFORMATION Dear (--FULL NAME: INSURED 1--) and (--FULL NAME: INSURED 2--), Thank you for allowing UnitedHealthcare Insurance Company to bring you and your loved ones quality health insurance.. UnitedHealthcare works hard to offer valuable coverage and helpful customer service Plan and Payment Information We are very pleased to tell you that the rate for your AARP Medicare Supplement Plan will not increase for the first three months of Your new rate will not take effect until April 2013.* Information on your plan(s), rate(s), and monthly payment is printed on the back of this letter. The amount due will be deducted automatically each month from your bank account by electronic funds transfer. If there has been any change to your banking information, please tell us right away so you won t miss any payments. For More Help Please take a moment to look over this notice. If you have questions, please call customer service at (TTY: 711) weekdays from 7 a.m. to 11 p.m. and Saturdays from 9 a.m. to 5 p.m. Eastern Time. En Español, Thank you. Sincerely, Barbara McClatchy Vice President, Member Experience UnitedHealthcare Insurance Company * Although your AARP Medicare Supplement Plan rate remains the same until April, any changes in discounts and adjustments or other plan rates may result in a change to your overall premium amount. AARP Supplemental and Personal Health Insurance Plans carry the AARP name and UnitedHealthcare Insurance Company (UnitedHealthcare Insurance Company of New York for New York residents) pays a royalty fee to AARP for use of the AARP intellectual property. Amounts paid are used for the general purposes of AARP and its members. Neither AARP nor its affiliate is the insurer. REBILL2013_EFT_DEFER

10 Your plans and rates Member Name Address Member Number This is a review of the AARP-branded plans you have with UnitedHealthcare under this account and the rate for each plan for the upcoming year. Insured 1: (--Full-Name: Active Person 1--) Plan Code Coverage Monthly Rate (without discounts) XX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXX Insured 2: (--Full-Name: Active Person 1--) Plan Code Coverage Monthly Rate (without discounts) How much you owe XX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXX These amounts will be automatically withdrawn from your bank account in the months shown. The amount due is the total household premium including all of your discounts and adjustments. Monthly Premium Due Date Amount Due January February March April May June July August September October November December

11 Member Name Address Member Number Don t Forget These Plan Features: You can choose any doctor you wish to see You don t need any referrals Helpful representatives are on hand to talk about your coverage and options Answers to your frequently asked questions about your health insurance coverage insured by UnitedHealthcare. Can I replace my identification card? You can get replacement identification cards or payment materials by calling the automated Customer Express Service line at , or by visiting and registering. Then click on Your Account. Please have your AARP membership number ready. If you have additional questions, please call customer service toll-free at Monday to Friday, 7 a.m. to 11 p.m. and Saturday, 9 a.m. to 5 p.m., Eastern Time. (TTY users should call 711.) I called for a change to my coverage. When will it be processed? Any request affecting your insurance coverage, including an address change, most often becomes effective on the first day of the month after the date we get your notice. If the change calls for you to fill out a new application for example, you re signing up for a different plan that change becomes effective the first day of the month after the date your application is accepted. What happens to my insurance coverage if I move? If you are moving, your coverage moves with you in most cases. Please note that AARP Medicare Select Plans* are network-based. If no network is available, AARP Medicare Supplement Plans* are available to replace your coverage. Personal Health Insurance Plans* can t go with you if you move outside of the United States or its territories. Call customer service toll-free at to tell us about your move. Plan rates and discounts vary by location; your cost will be based on the new area where you live. *Coverage Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY, for New York residents). (Continued on back)

12 Member Name Address Member Number My needs are changing. How do I find out about other plans? If you have questions about your current coverage or other plans, simply call and a customer service representative can go over your options. What if I am traveling or ill and can t send in my payment? If you are worried about missing a payment, you can name a family member or friend as your Third Party Designee. This person will get a copy of all billing letters about your coverage but is not responsible for making your payments. Call customer service at to set up a Third Party Designee. What are some of the discounts and adjustments that may result in a difference in the rate shown on my plan review and the amount I owe each month? Some of the discounts and adjustments you may see are: The Electronic Funds Transfer (EFT) Discount Employer contributions made on your behalf Funds applied from your pension A credit left on your account A tobacco-use adjustment if applicable Need to contact us? Keep these important telephone numbers handy. General health insurance plan information: Questions about your rates or billing: (TTY: 711) En Español: Questions regarding your employer or pension contribution: Automated customer service line: Or Please address all correspondence to: Customer Service PO Box 1017 Montgomeryville PA

13 Cover Page - Rates for Pennsylvania - Area 1 Non-Tobacco Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 1 Applies to individuals whose plan effective date will be within three years Standard Rates with Enrollment Discount 2 for individuals ages $ $ $ $ $65.27 $ $ $ $ $ $ $68.07 $ $ $ $ $ $ $70.87 $ $ $ $ $ $ $73.66 $ $ $ $ $ $ $76.46 $ $ $ $ $ $ $79.26 $ $ $ $ $ $ $82.06 $ $ $ $ $ $ $84.85 $ $ $ $ $ $ $87.65 $ $ $ $ $ $ $90.45 $ $ Standard Rates for ages 75 and older 75+ $ $ $ $ $93.25 $ $ Group 2 Applies to individuals whose plan effective date will be between 3 years and less than 6 years Standard Rates with Enrollment Discount 2 for individuals ages who do not have any of the medical conditions on the application $ $ $ $ $73.66 $ $ $ $ $ $ $76.46 $ $ $ $ $ $ $79.26 $ $ $ $ $ $ $82.06 $ $ $ $ $ $ $84.85 $ $ $ $ $ $ $87.65 $ $ $ $ $ $ $90.45 $ $ Standard Rates for individuals ages 75 and older who do not have any of the medical conditions on the application $ $ $ $ $93.25 $ $ Level 2 Rates for individuals ages 68 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ Group 3 Applies to individuals whose plan effective date will be 6 or more years Level 1 Rates for individuals ages 71 and older who do not have any of the medical conditions on the application $ $ $ $ $ $ $ Level 2 Rates for individuals ages 71 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ The rates above are for plan effective dates from April - December 2013 and may change. MOA1 MRP PAA 4-13

14 Cover Page - Rates for Pennsylvania - Area 1 Tobacco Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 1 Applies to individuals whose plan effective date will be within three years Standard Rates with Enrollment Discount 2 for individuals ages $ $ $ $ $71.79 $ $ $ $ $ $ $74.87 $ $ $ $ $ $ $77.95 $ $ $ $ $ $ $81.03 $ $ $ $ $ $ $84.10 $ $ $ $ $ $ $87.18 $ $ $ $ $ $ $90.26 $ $ $ $ $ $ $93.33 $ $ $ $ $ $ $96.41 $ $ $ $ $ $ $99.49 $ $ Standard Rates for ages 75 and older 75+ $ $ $ $ $ $ $ Group 2 Applies to individuals whose plan effective date will be between 3 years and less than 6 years Standard Rates with Enrollment Discount 2 for individuals ages who do not have any of the medical conditions on the application $ $ $ $ $81.03 $ $ $ $ $ $ $84.10 $ $ $ $ $ $ $87.18 $ $ $ $ $ $ $90.26 $ $ $ $ $ $ $93.33 $ $ $ $ $ $ $96.41 $ $ $ $ $ $ $99.49 $ $ Standard Rates for individuals ages 75 and older who do not have any of the medical conditions on the application $ $ $ $ $ $ $ Level 2 Rates for individuals ages 68 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ Group 3 Applies to individuals whose plan effective date will be 6 or more years Level 1 Rates for individuals ages 71 and older who do not have any of the medical conditions on the application $ $ $ $ $ $ $ Level 2 Rates for individuals ages 71 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ The rates above are for plan effective dates from April - December 2013 and may change. MOA1 MRP PAA 4-13

15 Cover Page - Rates for Pennsylvania - Area 1 Under 65 Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 4 Applies to individuals under the age of 65 who are eligible for Medicare by reason of disability. Non-Tobacco Rates $ $ $ $ $65.27 $ $ The rates above are for plan effective dates from April - December 2013 and may change. 1 Your age as of your plan effective date. 2 The Enrollment Discount is available to applicants age 65 and over. You may qualify for an Enrollment Discount based on your age and your Medicare Part B effective date. The Enrollment Discount is applied to the current Standard Rate. The Standard Rates usually change each year. The discount you receive in your first year of coverage depends on your age on your plan effective date. The discount percentage reduces 3% each year on the anniversary date of your plan until the discount runs out. 3 Refer to Section 6 of the application. MOA1 MRP PAA 4-13

16 Cover Page - Rates for Pennsylvania - Area 2 Non-Tobacco Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 1 Applies to individuals whose plan effective date will be within three years Standard Rates with Enrollment Discount 2 for individuals ages $91.87 $ $ $ $58.27 $ $ $95.81 $ $ $ $60.77 $ $ $99.75 $ $ $ $63.27 $ $ $ $ $ $ $65.76 $ $ $ $ $ $ $68.26 $ $ $ $ $ $ $70.76 $ $ $ $ $ $ $73.26 $ $ $ $ $ $ $75.75 $ $ $ $ $ $ $78.25 $ $ $ $ $ $ $80.75 $ $ Standard Rates for ages 75 and older 75+ $ $ $ $ $83.25 $ $ Group 2 Applies to individuals whose plan effective date will be between 3 years and less than 6 years Standard Rates with Enrollment Discount 2 for individuals ages who do not have any of the medical conditions on the application $ $ $ $ $65.76 $ $ $ $ $ $ $68.26 $ $ $ $ $ $ $70.76 $ $ $ $ $ $ $73.26 $ $ $ $ $ $ $75.75 $ $ $ $ $ $ $78.25 $ $ $ $ $ $ $80.75 $ $ Standard Rates for individuals ages 75 and older who do not have any of the medical conditions on the application $ $ $ $ $83.25 $ $ Level 2 Rates for individuals ages 68 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ Group 3 Applies to individuals whose plan effective date will be 6 or more years Level 1 Rates for individuals ages 71 and older who do not have any of the medical conditions on the application $ $ $ $ $91.57 $ $ Level 2 Rates for individuals ages 71 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ The rates above are for plan effective dates from April - December 2013 and may change. MOA1 MRP PAB 4-13

17 Cover Page - Rates for Pennsylvania - Area 2 Tobacco Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 1 Applies to individuals whose plan effective date will be within three years Standard Rates with Enrollment Discount 2 for individuals ages $ $ $ $ $64.09 $ $ $ $ $ $ $66.84 $ $ $ $ $ $ $69.59 $ $ $ $ $ $ $72.34 $ $ $ $ $ $ $75.08 $ $ $ $ $ $ $77.83 $ $ $ $ $ $ $80.58 $ $ $ $ $ $ $83.32 $ $ $ $ $ $ $86.07 $ $ $ $ $ $ $88.82 $ $ Standard Rates for ages 75 and older 75+ $ $ $ $ $91.57 $ $ Group 2 Applies to individuals whose plan effective date will be between 3 years and less than 6 years Standard Rates with Enrollment Discount 2 for individuals ages who do not have any of the medical conditions on the application $ $ $ $ $72.34 $ $ $ $ $ $ $75.08 $ $ $ $ $ $ $77.83 $ $ $ $ $ $ $80.58 $ $ $ $ $ $ $83.32 $ $ $ $ $ $ $86.07 $ $ $ $ $ $ $88.82 $ $ Standard Rates for individuals ages 75 and older who do not have any of the medical conditions on the application $ $ $ $ $91.57 $ $ Level 2 Rates for individuals ages 68 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ Group 3 Applies to individuals whose plan effective date will be 6 or more years Level 1 Rates for individuals ages 71 and older who do not have any of the medical conditions on the application $ $ $ $ $ $ $ Level 2 Rates for individuals ages 71 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ The rates above are for plan effective dates from April - December 2013 and may change. MOA1 MRP PAB 4-13

18 Cover Page - Rates for Pennsylvania - Area 2 Under 65 Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 4 Applies to individuals under the age of 65 who are eligible for Medicare by reason of disability. Non-Tobacco Rates $91.87 $ $ $ $58.27 $ $ The rates above are for plan effective dates from April - December 2013 and may change. 1 Your age as of your plan effective date. 2 The Enrollment Discount is available to applicants age 65 and over. You may qualify for an Enrollment Discount based on your age and your Medicare Part B effective date. The Enrollment Discount is applied to the current Standard Rate. The Standard Rates usually change each year. The discount you receive in your first year of coverage depends on your age on your plan effective date. The discount percentage reduces 3% each year on the anniversary date of your plan until the discount runs out. 3 Refer to Section 6 of the application. MOA1 MRP PAB 4-13

19 Cover Page - Rates for Pennsylvania - Area 3 Non-Tobacco Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 1 Applies to individuals whose plan effective date will be within three years Standard Rates with Enrollment Discount 2 for individuals ages $73.85 $ $ $ $46.72 $81.20 $ $77.01 $ $ $ $48.72 $84.68 $ $80.18 $ $ $ $50.73 $88.16 $ $83.34 $ $ $ $52.73 $91.64 $ $86.51 $ $ $ $54.73 $95.12 $ $89.67 $ $ $ $56.73 $98.60 $ $92.84 $ $ $ $58.74 $ $ $96.00 $ $ $ $60.74 $ $ $99.17 $ $ $ $62.74 $ $ $ $ $ $ $64.74 $ $ Standard Rates for ages 75 and older 75+ $ $ $ $ $66.75 $ $ Group 2 Applies to individuals whose plan effective date will be between 3 years and less than 6 years Standard Rates with Enrollment Discount 2 for individuals ages who do not have any of the medical conditions on the application $83.34 $ $ $ $52.73 $91.64 $ $86.51 $ $ $ $54.73 $95.12 $ $89.67 $ $ $ $56.73 $98.60 $ $92.84 $ $ $ $58.74 $ $ $96.00 $ $ $ $60.74 $ $ $99.17 $ $ $ $62.74 $ $ $ $ $ $ $64.74 $ $ Standard Rates for individuals ages 75 and older who do not have any of the medical conditions on the application $ $ $ $ $66.75 $ $ Level 2 Rates for individuals ages 68 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ Group 3 Applies to individuals whose plan effective date will be 6 or more years Level 1 Rates for individuals ages 71 and older who do not have any of the medical conditions on the application $ $ $ $ $73.42 $ $ Level 2 Rates for individuals ages 71 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ The rates above are for plan effective dates from April - December 2013 and may change. MOA1 MRP PAC 4-13

20 Cover Page - Rates for Pennsylvania - Area 3 Tobacco Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 1 Applies to individuals whose plan effective date will be within three years Standard Rates with Enrollment Discount 2 for individuals ages $81.23 $ $ $ $51.39 $89.32 $ $84.71 $ $ $ $53.59 $93.14 $ $88.19 $ $ $ $55.79 $96.97 $ $91.67 $ $ $ $58.00 $ $ $95.16 $ $ $ $60.20 $ $ $98.64 $ $ $ $62.40 $ $ $ $ $ $ $64.60 $ $ $ $ $ $ $66.81 $ $ $ $ $ $ $69.01 $ $ $ $ $ $ $71.21 $ $ Standard Rates for ages 75 and older 75+ $ $ $ $ $73.42 $ $ Group 2 Applies to individuals whose plan effective date will be between 3 years and less than 6 years Standard Rates with Enrollment Discount 2 for individuals ages who do not have any of the medical conditions on the application $91.67 $ $ $ $58.00 $ $ $95.16 $ $ $ $60.20 $ $ $98.64 $ $ $ $62.40 $ $ $ $ $ $ $64.60 $ $ $ $ $ $ $66.81 $ $ $ $ $ $ $69.01 $ $ $ $ $ $ $71.21 $ $ Standard Rates for individuals ages 75 and older who do not have any of the medical conditions on the application $ $ $ $ $73.42 $ $ Level 2 Rates for individuals ages 68 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ Group 3 Applies to individuals whose plan effective date will be 6 or more years Level 1 Rates for individuals ages 71 and older who do not have any of the medical conditions on the application $ $ $ $ $80.76 $ $ Level 2 Rates for individuals ages 71 and older who have one or more of the medical conditions on the application $ $ $ $ $ $ $ The rates above are for plan effective dates from April - December 2013 and may change. MOA1 MRP PAC 4-13

21 Cover Page - Rates for Pennsylvania - Area 3 Under 65 Monthly Plan Rates AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Group 4 Applies to individuals under the age of 65 who are eligible for Medicare by reason of disability. Non-Tobacco Rates $73.85 $ $ $ $46.72 $81.20 $90.65 The rates above are for plan effective dates from April - December 2013 and may change. 1 Your age as of your plan effective date. 2 The Enrollment Discount is available to applicants age 65 and over. You may qualify for an Enrollment Discount based on your age and your Medicare Part B effective date. The Enrollment Discount is applied to the current Standard Rate. The Standard Rates usually change each year. The discount you receive in your first year of coverage depends on your age on your plan effective date. The discount percentage reduces 3% each year on the anniversary date of your plan until the discount runs out. 3 Refer to Section 6 of the application. MOA1 MRP PAC 4-13