United World Life Insurance Company
The Facts About Your Plan
Your United World Medicare supplement insurance
policy helps pay some eligible expenses not paid for
by Medicare Part A and Medicare Part B. There may
be charges above what Medicare and United World
pay. If you receive Medicare benefits because of a
disability, you may apply for a United World Medicare
supplement policy regardless of your age.
Medicare Part A Eligible Expenses for Hospital/
Skilled Nursing Facility Care include expenses for
semiprivate room and board, general nursing, and
miscellaneous services and supplies.
date coinciding with or following the anniversary
of your Policy Date until you reach age 90; or
(b) when the same premium change is made on all
in-force Medicare supplement policies of the same
form issued to persons of your classification in the
same geographic area of your state.
You are covered immediately. There is no waiting
period for preexisting conditions. Benefits will be paid
from the time your policy is in force.
■ any expense incurred before your Policy Date
“Medicare Eligible Expenses” means expenses of
the kinds covered by Medicare Parts A and B, to
the extent recognized as reasonable and medically
necessary by Medicare.
■ expense paid for by Medicare
Coinsurance is the portion of the eligible expense
not paid by Medicare and paid by United World.
As Medicare deductibles and coinsurance increase,
your Medicare supplement benefits will automatically
increase. Benefits are not paid for any expense paid
by Medicare.
Medicare supplement insurance is underwritten by
United World Life Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
mutualofomaha.com
Your United World Medicare supplement insurance
policy will not pay for:
Medicare Part B Eligible Expenses for Medical
Services include expenses for physicians’ services,
hospital outpatient services and supplies, physical
and speech therapy, and ambulance service.
A Benefit Period begins the first full day you are
hospitalized and ends when you have not been in a
hospital or skilled nursing facility for 60 days in a row.
2008 Medicare Supplement
Insurance Plans
■ services for which no charge is made when
there is no insurance
This is a brief description of your coverage. The
outline of coverage must accompany this brochure.
For complete information on benefits, exceptions,
limitations and reductions, please read your outline
of coverage and your policy. This is a solicitation of
insurance and an insurance agent will contact you.
Neither United World Life Insurance Company
nor its Medicare supplement insurance policies are
connected with or endorsed by the U.S. government
or the federal Medicare program. United World
is licensed nationwide except in CT and NY. Each
underwriting company is soley responsible for its
own contractual obligations.
Benefits are paid to you or to your hospital or doctor.
You have 31 days from your renewal date to pay your
premium. Your policy will stay in force during this
31-day grace period.
Your policy is guaranteed renewable. Your policy
cannot be canceled. It will be renewed as long as the
premiums are paid on time and the information is
correct on the application.
You cannot be singled out for a rate increase, no
matter how many times you receive benefits. Your
premium changes: (a) each year on the renewal
Policy Form WM1 – Plan A
Policy Form WM2 – Plan B
Policy Form WM8 – Plan C
Policy Form WM12 – Plan D
Policy Form WM3 – Plan F
Policy Form WM4 – Plan G
WC4631_NH_0407
Policy Forms WM1, WM2, WM3, WM4, WM8, WM12
Spontaneous. Fun. Fearless.
Whether you’re six or sixty-something, playing keeps you youngat-heart. The difference now, of course, is that you have adult
responsibilities, including making sound financial decisions.
You’ll probably enjoy playing, however you define it, even more
when you feel you’ve got your bases covered.
A Medicare supplement insurance policy from United World Life
Insurance Company can help you attain that secure feeling.
A Mutual of Omaha company since 1983, United World Life
Insurance Company offers specialty life insurance plans and
Medicare supplement policies. When you own a United World
Medicare supplement, you get the reputation, stability and
power of Mutual of Omaha and its affiliates, a Fortune 500®
organization* that has been providing quality products and
services since 1909.
Add our friendly personal customer service and affordable
premiums and you have the financial value and security you seek.
We’ve got you covered.
Go play!
*Source: Fortune magazine, April 2007
Choose the Medicare Supplement Plan That Meets Your Needs
Your Medicare Supplement Benefits
Medicare
Medicare
Medicare
Medicare
Medicare
Medicare
Services
and Supplies
Supplement
Supplement
Supplement Supplement
Supplement
Supplement
Medicare
Plan A
Plan B
Plan C
Plan D
Plan F
Plan G
Medicare Part A_ ______________________ Pays__________ Pays__________ Pays_ _________ Pays__________ Pays__________ Pays_ ________ Pays
Hospital Coverage
Deductible___________________________ Nothing ____________________ $1,024 ________ $1,024_ ______ $1,024_ _______ $1,024_ ______ $1,024
First 60 days___________________________ 100%_ ______________________________________________________________________________
Coinsurance_ ________________________ All but________ $256_ ________ $256 __________ $256_________ $256__________ $256_________ $256
61-90 days
$256
a day
a day
a day
a day
a day
a day
a day
Coinsurance_ ________________________ All but________ $512_ ________ $512 __________ $512_________ $512__________ $512_________ $512
91-150 days (Lifetime Reserve)
$512
a day
a day
a day
a day
a day
a day
a day
Extended Hospital Coverage_____________ Nothing ______ Eligible_ ______ Eligible_______ Eligible_______ Eligible _ ______ Eligible_______ Eligible
(up to an additional 365 days
Expenses
Expenses
Expenses
Expenses
Expenses
Expenses
in your lifetime)
Benefit for Blood______________________ All but______ Three pints_____Three pints____ Three pints____ Three pints_ ___ Three pints____ Three pints
three
pints
Skilled Nursing Facility Care
First 20 days___________________________ 100%_ ______________________________________________________________________________
Coinsurance_ ________________________ All but___________________________________ Up to_________ Up to_________ Up to________ Up to
$128
$128
$128
$128
$128
21-100 days
a day
a day
a day
a day
a day
Medicare Part B Physician’s
Services and Supplies
Deductible___________________________ Nothing ___________________________________$135_ ______________________ $135____________
Coinsurance_ _________________________ 80%_________ 20%_________ 20%_________ 20%_________ 20% _________ 20%_ ________ 20%
Excess Benefits_____________________________________________________________________________________________100%_________ 80%
up to
up to
Medicare’s
Medicare’s
limit
limit
Benefit for Blood______________________ All but______ Three pints____ Three pints____ Three pints____ Three pints_ ___ Three pints____ Three pints
three
pints
Additional Benefits*
80% to
80% to
80% to
80% to
lifetime max of lifetime max of lifetime max of lifetime max of
Emergency Care Received________________________________________________________$50,000_ ______ $50,000________$50,000_______ $50,000
Outside the U.S.
At-home Recovery Visits_______________________________________________________________________$1,600_____________________ $1,600
Medicare Part A Hospital Coverage
Your Premium Your Premium
Your Premium Your Premium
Your Premium Your Premium
* Refer to the next page and your outline
of coverage for more information.
$ ___________ $ ___________ $ ___________ $ ___________ $ ___________ $ ___________
Deductible — Plans B, C, D, F and G pay the $1,024
inpatient hospital deductible for each benefit period.
First 60 Days — After the Medicare Part A deductible,
Medicare pays all eligible expenses for services from
your first through 60th day of hospital confinement.
Services include semiprivate room and board,
general nursing, and miscellaneous hospital services
and supplies.
Coinsurance — Plans A, B, C, D, F and G pay $256 a
day when you are hospitalized from the 61st through
the 90th day. And, when you are in the hospital from
the 91st day through the 150th day, you receive $512
a day for each Lifetime Reserve day used.
Extended Hospital Coverage — When you are in
the hospital longer than 150 days during a benefit
period, and you have exhausted your 60 days of
Medicare Lifetime Reserve, Plans A, B, C, D, F
and G pay the Medicare Part A eligible expenses for
hospitalization, paid at the Diagnostic Related Group
(DRG) day outlier per diem or other appropriate
standard of payment, subject to a lifetime maximum
benefit of an additional 365 days.
Benefit for Blood — Medicare has one calendaryear deductible for blood that is the cost of the first
three pints needed. Plans A, B, C, D, F and G pay
this deductible.
Skilled Nursing Facility Care
First 20 Days — Medicare pays all eligible expenses.
Coinsurance — Plans C, D, F and G pay up to $128
a day from the 21st through the 100th day during
which you receive skilled nursing care. You must
enter a Medicare-certified skilled nursing facility
within 30 days of being hospitalized for at least
three days.
Medicare Part B Physician’s Services
and Supplies
Deductible — Plans C and F pay the $135 calendaryear deductible.
Coinsurance — After the Medicare Part B deductible,
Plans A, B, C, D, F and G pay 20% of eligible expenses
for physician’s services, and supplies, physical and
speech therapy, and ambulance service.
For hospital outpatient services, the copayment
amount will be paid under a prospective payment
system. If this system is not used, then 20% of
eligible expenses will be paid.
Excess Benefits — Your bill for Medicare Part B services
and supplies may exceed the Medicare eligible expense.
When that occurs, Plan F pays 100% and Plan G pays
80% of the difference, up to the charge limitation
established by Medicare.
Benefit for Blood — Medicare has one calendaryear deductible for blood that is the cost of the first
three pints needed. Plans A, B, C, D, F and G pay
this deductible.
Additional Benefits
Emergency Care Received Outside the U.S. — After
you pay a $250 calendar-year deductible, Plans C, D,
F and G pay you 80% of eligible expenses incurred
during the first 60 days of a trip up to a lifetime
maximum of $50,000. Benefits are payable for health
care you need because of a covered injury or illness.
At-home Recovery Visits — Plans D and G pay
for seven visits a week, up to $40 a visit up to a
maximum of $1,600 a year for assistance with
activities of daily living. Benefits are payable for
services necessary for your continuing recovery from
an illness, injury or surgery.
Spontaneous. Fun. Fearless.
Whether you’re six or sixty-something, playing keeps you youngat-heart. The difference now, of course, is that you have adult
responsibilities, including making sound financial decisions.
You’ll probably enjoy playing, however you define it, even more
when you feel you’ve got your bases covered.
A Medicare supplement insurance policy from United World Life
Insurance Company can help you attain that secure feeling.
A Mutual of Omaha company since 1983, United World Life
Insurance Company offers specialty life insurance plans and
Medicare supplement policies. When you own a United World
Medicare supplement, you get the reputation, stability and
power of Mutual of Omaha and its affiliates, a Fortune 500®
organization* that has been providing quality products and
services since 1909.
Add our friendly personal customer service and affordable
premiums and you have the financial value and security you seek.
We’ve got you covered.
Go play!
*Source: Fortune magazine, April 2007
Choose the Medicare Supplement Plan That Meets Your Needs
Your Medicare Supplement Benefits
Medicare
Medicare
Medicare
Medicare
Medicare
Medicare
Services
and Supplies
Supplement
Supplement
Supplement Supplement
Supplement
Supplement
Medicare
Plan A
Plan B
Plan C
Plan D
Plan F
Plan G
Medicare Part A_ ______________________ Pays__________ Pays__________ Pays_ _________ Pays__________ Pays__________ Pays_ ________ Pays
Hospital Coverage
Deductible___________________________ Nothing ____________________ $1,024 ________ $1,024_ ______ $1,024_ _______ $1,024_ ______ $1,024
First 60 days___________________________ 100%_ ______________________________________________________________________________
Coinsurance_ ________________________ All but________ $256_ ________ $256 __________ $256_________ $256__________ $256_________ $256
61-90 days
$256
a day
a day
a day
a day
a day
a day
a day
Coinsurance_ ________________________ All but________ $512_ ________ $512 __________ $512_________ $512__________ $512_________ $512
91-150 days (Lifetime Reserve)
$512
a day
a day
a day
a day
a day
a day
a day
Extended Hospital Coverage_____________ Nothing ______ Eligible_ ______ Eligible_______ Eligible_______ Eligible _ ______ Eligible_______ Eligible
(up to an additional 365 days
Expenses
Expenses
Expenses
Expenses
Expenses
Expenses
in your lifetime)
Benefit for Blood______________________ All but______ Three pints_____Three pints____ Three pints____ Three pints_ ___ Three pints____ Three pints
three
pints
Skilled Nursing Facility Care
First 20 days___________________________ 100%_ ______________________________________________________________________________
Coinsurance_ ________________________ All but___________________________________ Up to_________ Up to_________ Up to________ Up to
$128
$128
$128
$128
$128
21-100 days
a day
a day
a day
a day
a day
Medicare Part B Physician’s
Services and Supplies
Deductible___________________________ Nothing ___________________________________$135_ ______________________ $135____________
Coinsurance_ _________________________ 80%_________ 20%_________ 20%_________ 20%_________ 20% _________ 20%_ ________ 20%
Excess Benefits_____________________________________________________________________________________________100%_________ 80%
up to
up to
Medicare’s
Medicare’s
limit
limit
Benefit for Blood______________________ All but______ Three pints____ Three pints____ Three pints____ Three pints_ ___ Three pints____ Three pints
three
pints
Additional Benefits*
80% to
80% to
80% to
80% to
lifetime max of lifetime max of lifetime max of lifetime max of
Emergency Care Received________________________________________________________$50,000_ ______ $50,000________$50,000_______ $50,000
Outside the U.S.
At-home Recovery Visits_______________________________________________________________________$1,600_____________________ $1,600
Medicare Part A Hospital Coverage
Your Premium Your Premium
Your Premium Your Premium
Your Premium Your Premium
* Refer to the next page and your outline
of coverage for more information.
$ ___________ $ ___________ $ ___________ $ ___________ $ ___________ $ ___________
Deductible — Plans B, C, D, F and G pay the $1,024
inpatient hospital deductible for each benefit period.
First 60 Days — After the Medicare Part A deductible,
Medicare pays all eligible expenses for services from
your first through 60th day of hospital confinement.
Services include semiprivate room and board,
general nursing, and miscellaneous hospital services
and supplies.
Coinsurance — Plans A, B, C, D, F and G pay $256 a
day when you are hospitalized from the 61st through
the 90th day. And, when you are in the hospital from
the 91st day through the 150th day, you receive $512
a day for each Lifetime Reserve day used.
Extended Hospital Coverage — When you are in
the hospital longer than 150 days during a benefit
period, and you have exhausted your 60 days of
Medicare Lifetime Reserve, Plans A, B, C, D, F
and G pay the Medicare Part A eligible expenses for
hospitalization, paid at the Diagnostic Related Group
(DRG) day outlier per diem or other appropriate
standard of payment, subject to a lifetime maximum
benefit of an additional 365 days.
Benefit for Blood — Medicare has one calendaryear deductible for blood that is the cost of the first
three pints needed. Plans A, B, C, D, F and G pay
this deductible.
Skilled Nursing Facility Care
First 20 Days — Medicare pays all eligible expenses.
Coinsurance — Plans C, D, F and G pay up to $128
a day from the 21st through the 100th day during
which you receive skilled nursing care. You must
enter a Medicare-certified skilled nursing facility
within 30 days of being hospitalized for at least
three days.
Medicare Part B Physician’s Services
and Supplies
Deductible — Plans C and F pay the $135 calendaryear deductible.
Coinsurance — After the Medicare Part B deductible,
Plans A, B, C, D, F and G pay 20% of eligible expenses
for physician’s services, and supplies, physical and
speech therapy, and ambulance service.
For hospital outpatient services, the copayment
amount will be paid under a prospective payment
system. If this system is not used, then 20% of
eligible expenses will be paid.
Excess Benefits — Your bill for Medicare Part B services
and supplies may exceed the Medicare eligible expense.
When that occurs, Plan F pays 100% and Plan G pays
80% of the difference, up to the charge limitation
established by Medicare.
Benefit for Blood — Medicare has one calendaryear deductible for blood that is the cost of the first
three pints needed. Plans A, B, C, D, F and G pay
this deductible.
Additional Benefits
Emergency Care Received Outside the U.S. — After
you pay a $250 calendar-year deductible, Plans C, D,
F and G pay you 80% of eligible expenses incurred
during the first 60 days of a trip up to a lifetime
maximum of $50,000. Benefits are payable for health
care you need because of a covered injury or illness.
At-home Recovery Visits — Plans D and G pay
for seven visits a week, up to $40 a visit up to a
maximum of $1,600 a year for assistance with
activities of daily living. Benefits are payable for
services necessary for your continuing recovery from
an illness, injury or surgery.
United World Life Insurance Company
The Facts About Your Plan
Your United World Medicare supplement insurance
policy helps pay some eligible expenses not paid for
by Medicare Part A and Medicare Part B. There may
be charges above what Medicare and United World
pay. If you receive Medicare benefits because of a
disability, you may apply for a United World Medicare
supplement policy regardless of your age.
Medicare Part A Eligible Expenses for Hospital/
Skilled Nursing Facility Care include expenses for
semiprivate room and board, general nursing, and
miscellaneous services and supplies.
date coinciding with or following the anniversary
of your Policy Date until you reach age 90; or
(b) when the same premium change is made on all
in-force Medicare supplement policies of the same
form issued to persons of your classification in the
same geographic area of your state.
You are covered immediately. There is no waiting
period for preexisting conditions. Benefits will be paid
from the time your policy is in force.
■ any expense incurred before your Policy Date
“Medicare Eligible Expenses” means expenses of
the kinds covered by Medicare Parts A and B, to
the extent recognized as reasonable and medically
necessary by Medicare.
■ expense paid for by Medicare
Coinsurance is the portion of the eligible expense
not paid by Medicare and paid by United World.
As Medicare deductibles and coinsurance increase,
your Medicare supplement benefits will automatically
increase. Benefits are not paid for any expense paid
by Medicare.
Medicare supplement insurance is underwritten by
United World Life Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
mutualofomaha.com
Your United World Medicare supplement insurance
policy will not pay for:
Medicare Part B Eligible Expenses for Medical
Services include expenses for physicians’ services,
hospital outpatient services and supplies, physical
and speech therapy, and ambulance service.
A Benefit Period begins the first full day you are
hospitalized and ends when you have not been in a
hospital or skilled nursing facility for 60 days in a row.
2008 Medicare Supplement
Insurance Plans
■ services for which no charge is made when
there is no insurance
This is a brief description of your coverage. The
outline of coverage must accompany this brochure.
For complete information on benefits, exceptions,
limitations and reductions, please read your outline
of coverage and your policy. This is a solicitation of
insurance and an insurance agent will contact you.
Neither United World Life Insurance Company
nor its Medicare supplement insurance policies are
connected with or endorsed by the U.S. government
or the federal Medicare program. United World
is licensed nationwide except in CT and NY. Each
underwriting company is soley responsible for its
own contractual obligations.
Benefits are paid to you or to your hospital or doctor.
You have 31 days from your renewal date to pay your
premium. Your policy will stay in force during this
31-day grace period.
Your policy is guaranteed renewable. Your policy
cannot be canceled. It will be renewed as long as the
premiums are paid on time and the information is
correct on the application.
You cannot be singled out for a rate increase, no
matter how many times you receive benefits. Your
premium changes: (a) each year on the renewal
Policy Form WM1 – Plan A
Policy Form WM2 – Plan B
Policy Form WM8 – Plan C
Policy Form WM12 – Plan D
Policy Form WM3 – Plan F
Policy Form WM4 – Plan G
WC4631_NH_0407
Policy Forms WM1, WM2, WM3, WM4, WM8, WM12
United World Life Insurance Company
The Facts About Your Plan
Your United World Medicare supplement insurance
policy helps pay some eligible expenses not paid for
by Medicare Part A and Medicare Part B. There may
be charges above what Medicare and United World
pay. If you receive Medicare benefits because of a
disability, you may apply for a United World Medicare
supplement policy regardless of your age.
Medicare Part A Eligible Expenses for Hospital/
Skilled Nursing Facility Care include expenses for
semiprivate room and board, general nursing, and
miscellaneous services and supplies.
date coinciding with or following the anniversary
of your Policy Date until you reach age 90; or
(b) when the same premium change is made on all
in-force Medicare supplement policies of the same
form issued to persons of your classification in the
same geographic area of your state.
You are covered immediately. There is no waiting
period for preexisting conditions. Benefits will be paid
from the time your policy is in force.
■ any expense incurred before your Policy Date
“Medicare Eligible Expenses” means expenses of
the kinds covered by Medicare Parts A and B, to
the extent recognized as reasonable and medically
necessary by Medicare.
■ expense paid for by Medicare
Coinsurance is the portion of the eligible expense
not paid by Medicare and paid by United World.
As Medicare deductibles and coinsurance increase,
your Medicare supplement benefits will automatically
increase. Benefits are not paid for any expense paid
by Medicare.
Medicare supplement insurance is underwritten by
United World Life Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
mutualofomaha.com
Your United World Medicare supplement insurance
policy will not pay for:
Medicare Part B Eligible Expenses for Medical
Services include expenses for physicians’ services,
hospital outpatient services and supplies, physical
and speech therapy, and ambulance service.
A Benefit Period begins the first full day you are
hospitalized and ends when you have not been in a
hospital or skilled nursing facility for 60 days in a row.
2008 Medicare Supplement
Insurance Plans
■ services for which no charge is made when
there is no insurance
This is a brief description of your coverage. The
outline of coverage must accompany this brochure.
For complete information on benefits, exceptions,
limitations and reductions, please read your outline
of coverage and your policy. This is a solicitation of
insurance and an insurance agent will contact you.
Neither United World Life Insurance Company
nor its Medicare supplement insurance policies are
connected with or endorsed by the U.S. government
or the federal Medicare program. United World
is licensed nationwide except in CT and NY. Each
underwriting company is soley responsible for its
own contractual obligations.
Benefits are paid to you or to your hospital or doctor.
You have 31 days from your renewal date to pay your
premium. Your policy will stay in force during this
31-day grace period.
Your policy is guaranteed renewable. Your policy
cannot be canceled. It will be renewed as long as the
premiums are paid on time and the information is
correct on the application.
You cannot be singled out for a rate increase, no
matter how many times you receive benefits. Your
premium changes: (a) each year on the renewal
Policy Form WM1 – Plan A
Policy Form WM2 – Plan B
Policy Form WM8 – Plan C
Policy Form WM12 – Plan D
Policy Form WM3 – Plan F
Policy Form WM4 – Plan G
WC4631_NH_0407
Policy Forms WM1, WM2, WM3, WM4, WM8, WM12
