SilverSneakers® Is Now Available in California for AARP® Medicare

Transcription

SilverSneakers® Is Now Available in
California
for AARP® Medicare Supplement Insurance Plan Members!
Effective August 1, 2011, AARP® Medicare Supplement Insurance Plan members
in California can take advantage of the SilverSneakers® Fitness Program or
SilverSneakers® Steps as a value-added service at no additional cost. This is an
exciting benefit as SilverSneakers is the nation’s leading exercise and wellness
program helping older adults live healthy, active lifestyles.
About SilverSneakers
SilverSneakers Fitness program members:
 Receive free access to health center amenities that are included with a basic
membership at participating gyms
 Can take SilverSneakers classes designed specifically for older adults and taught by
certified instructors
SilverSneakers Steps is:
 A self-directed physical activity program that provides equipment, tools, and motivation
for members to measure, track, and increase activities and achieve a healthier lifestyle
 Available to members living 15 miles or more from a participating SilverSneakers health
center location
Please note: Current members enrolled in AARP Medicare Supplement Plans in California will
receive information about this program in the mail. Additional information, such as participating
health center locations, can be found at www.silversneakers.com.
The SilverSneakers program is currently available to AARP Medicare
Supplement Insurance Plan members in the following states:
Alabama
Arizona
Arkansas
*California
Colorado
Connecticut
District of Columbia
Georgia
Illinois
Indiana
Kentucky
Michigan
Nebraska
North Carolina
Ohio
Oklahoma
South Carolina
Tennessee
Texas
Utah
Virginia
Wisconsin
*Effective August 1, 2011
For internal/agent use only. Do not distribute.
SA25259CA
Producer Handbook
AARP® Medicare Supplement Insurance Plans
California
GU25017CA (4-11)
For agent use only – not for distribution as marketing material to the general public
2011
TABLE OF CONTENTS
Table of Contents
Please refer to the color-coded sections for the topics listed below.
Introduction
Page 1
A Quick Look at Medicare and Medicare Supplement Plans
Page 2
AARP Medicare Supplement Insurance
Page 5
Eligibility
Page 8
Underwriting and Rate Information
Page 12
Providing a Preliminary Quote
Page 18
Sales and Marketing Materials
Page 20
Enrolling Applicants
Page 23
Application Processing
Page 26
Producer Compensation
Page 28
Member Communications
Page 29
Contact Us
Page 29
Appendix – contains rates, area rating ZIP Code listings and glossary of
underwriting conditions
Page 30
AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse insurance agents,
brokers, producers, representatives or advisors.
This information applies for plan effective dates of January 1, 2011 – December 1, 2011
California
Congratulations on completing your 2011 AARP®
Medicare Supplement Insurance certification. You
are now authorized to begin selling AARP Medicare
Supplement Insurance Plans. You are among a distinct
group of producers who have the opportunity to offer
AARP Medicare Supplement Insurance Plans — which
gives your clients an industry-leading option.
You can count on UnitedHealthcare for the support you
need to be successful. We know well-trained producers
provide significant value to AARP Medicare Supplement
Insurance members. This Producer Handbook is filled
with helpful information to get you started and keep
you productive.
We wish you success. We know you will enjoy a
satisfying and rewarding career selling the only Medicare
supplement insurance product that carries the AARP
name. Good luck in the upcoming selling season.
Who We Are
UnitedHealthcare Medicare & Retirement
UnitedHealthcare Medicare & Retirement is one of
seven businesses that compose UnitedHealth Group, a
Fortune 25 company helping individuals, families and
communities improve their health and well-being at all
stages of life.
Insurance Solutions covers more than 3.8 million
members with its insurance products and provides
additional services promoting healthy living. The
business strives for operational excellence to deliver the
most cost-effective programs in the industry without
compromising quality or customer satisfaction.
In 2007, AARP Services, Inc. extended its contract
with Insurance Solutions for an additional 10 years to
continue offering the only Medicare supplement product
that is branded with the AARP name.
Agent Portal
The agent portal provides a variety of tools and
information for all UnitedHealth producers. Once logged
in, you will be able to take additional certification
classes, obtain product-specific and state-specific
information, order sales materials, customize marketing
pieces, look up application status, view commission
status and more!
Agents can access the portal using one of the
following addresses:
www.unitedhealthproducers.com
(for FMO agents)
www.unitedhealthadvisors.com
(for ICA and ISR agents)
Insurance Solutions
AARP Medicare Supplement Insurance Plans are
insured by UnitedHealthcare Insurance Company
(UnitedHealthcare Insurance Company of New York
for New York residents). These plans are managed by
Insurance Solutions, an administrative and operational
business segment within UnitedHealthcare Medicare &
Retirement dedicated to AARP Medicare Supplement
Insurance Plans.
California
This information applies for plan effective dates of January 1, 2011 - December 1, 2011
1
inTroduction
Introduction
Medicare and
Med Supp Plans
A Quick Look
at Medicare
and Medicare
Supplement Plans
Medicare 101 – The Basics
What is Medicare?
Medicare is health insurance for people:
•Age 65 or older
•Under age 65 with certain disabilities
•Any age with End Stage Renal Disease (ESRD —
permanent kidney failure requiring dialysis or a
kidney transplant).
It pays for many health care services and supplies,
but does not pay all health care costs. Medicare
beneficiaries must pay for costs like coinsurance,
copayments and deductibles, which are called
out-of-pocket costs, or cost sharing.
Medicare Coverage Options
Medicare beneficiaries can choose among the following
options for their health care and prescription drug
coverage:
1. Original Medicare, managed by the Federal
government, provides Medicare Part A and Part B
coverage.
• Part A (Hospital Insurance) — Helps
cover inpatient care in hospitals, skilled
nursing facilities, hospice care and some
home health care if certain conditions
are met.
2
• Part B (Medical Insurance) — Helps
cover doctors’ services, outpatient care,
other medical services that Part A doesn’t
cover (like physical and occupational
therapists), and some home health and
preventive services.
2. Medicare Advantage Plans (Part C) — These
health plan options (e.g., HMOs, PPOs and
PFFS) are approved by Medicare and run
by private insurers. They provide insurance
for hospital and medical services and, sometimes,
prescription drug coverage. Out-of-pocket costs and
cost sharing differ from Original Medicare and may
depend on whether the beneficiary received services
in or out of network.
3. Medicare Prescription Drug Coverage (Part D) —
Medicare offers prescription drug coverage
for everyone with Medicare (either Original
Medicare or Medicare Advantage).
Medicare drug plans are run by insurance companies
and other private companies approved by Medicare.
Beneficiaries must enroll in and pay a separate
premium for these plans.
People who need help deciding or have questions can do
any or all of the following:
•Visit www.medicare.gov
•Call 1-800-MEDICARE (1-800-633-4227) or
1-877-486-2048 (TTY users)
•Contact their State Health Insurance
Assistance Program.
Medicare Supplement Plans
Beneficiaries who have Original Medicare may
want to buy a Medicare supplement plan to
help cover out-of-pocket costs. Generally,
beneficiaries must have Medicare Part A and Part B to
buy a Medicare supplement plan.
T his information applies for plan effective dates of January 1, 2011 - December 1, 2011
California
Medicare supplement plans (also called Medigap)
are private health insurance specifically designed to
supplement and work only with Original Medicare.
Private insurance companies sell Medicare
supplement plans.
Medicare supplement plans help pay some of the
coinsurance, copayments and deductibles (“gaps”)
in Original Medicare. They may also cover certain
medical services Medicare doesn’t cover. People who
are enrolled in Original Medicare and buy a Medicare
supplement plan will generally have 100 percent of
their Medicare-approved health care costs covered
(depending on the plan they choose).
Medicare supplement plans aren’t Original Medicare or
a Medicare Advantage plan because they’re not a way to
get Medicare benefits.
•National coverage so beneficiaries can use benefits
anywhere in the United States. If beneficiaries move,
their coverage moves with them
Medicare and
Med Supp Plans
What is a Medicare Supplement Plan?
•Foreign travel coverage for emergency services
(for most plans)
•Guaranteed renewability, meaning the plan
automatically renews from year to year as long as
beneficiaries pay their premiums when due
•A 30-day “free look” evaluation period. Full refund
of premiums (minus claims paid, if any) if policies are
returned within 30 days of policy issuance
For more information on Medicare supplement
insurance, please review “Choosing a Medigap Policy:
A Guide to Health Insurance for People with Medicare.”
http://www.medicare.gov/Publications/Pubs/
pdf/02110.pdf
Medicare supplement plans are identified by letters
(such as Plan C) except in Massachusetts, Minnesota
and Wisconsin.
•Each Medicare supplement plan must offer the same
basic benefits, no matter which insurance company
sells it.
•Usually the differences between Medicare supplement
policies sold by different insurance companies are the
cost, underwriting criteria, extra services (value-added)
and customer service.
•Medicare supplement insurance companies must follow
federal and state laws.
•A Medicare supplement policy only covers one person.
If a married couple wants Medicare supplement
coverage, they must buy separate Medicare
supplement policies.
Plan Features
Medicare supplement plans offer beneficiaries:
•Help with managing out-of-pocket costs
•The freedom to choose any doctor that accepts
Medicare (Select plans require hospital networks)
•No claim forms to file
California
3
Medicare and
Med Supp Plans
Basic Medicare Supplement Benefits
•Hospitalization: Part A coinsurance plus coverage for
365 days after Medicare Benefits end
•Blood: First three pints of blood each year
•Medical Expenses: Part B coinsurance (generally
20 percent of Medicare-approved expenses) or
copayments for hospital outpatient services. Plans K, L
and N require insured beneficiaries to pay a portion of
Part B coinsurance or copayments
•Hospice: Part A coinsurance and respite care expenses
(including applicable prescription copayments)
Plan Benefit Chart
Medicare Supplement Plans
A
B
C
D
F
G
K
L
M
N
50%
75%
50%
50%
75%
—
—
—
—
—
—
—
—
50%
75%
—
—
50%
75%
50%
75%
$4,640
$2,320
Medicare Part A Coinsurance
and Hospital Benefits
Medicare Part A Deductible
—
Medicare Part B Coinsurance
or Copayment
Medicare Part B Deductible
—
—
Medicare Part B Excess
Charges
—
—
Blood (First Three Pints)
Foreign Travel Emergency
(up to plan limit)2
—
—
Hospice Care Coinsurance or
Copayment
—
—
—
—
Copay1
Preventive Care Coinsurance
Skilled Nursing Facility
Coinsurance
2011 out-of-pocket limit
(plans K and L only)3
—
—
1
lan pays Part B coinsurance or copayment except for an insured copay of up to $20 for each doctor’s office
P
visit and up to $50 for each emergency room visit (emergency room copay waived if admitted as inpatient).
2
Benefit is 80% after the $250 annual deductible with a $50,000 lifetime maximum.
3
T he plan pays 100 percent of covered services for the rest of the calendar year once beneficiaries have paid the
out-of-pocket annual limit and annual Part B deductible ($162 in 2011).
All plans may not be available in all states and offered through AARP Medicare Supplement Insurance Plans.
4
California
Description
Every beneficiary has different health care needs. If
beneficiaries want additional coverage beyond Original
Medicare, an AARP Medicare Supplement Insurance
Plan may be right for them.
More than 2.8 million beneficiaries have selected AARP
Medicare Supplement Insurance Plans to help cover the
costs that Original Medicare does not. AARP Medicare
Supplement Insurance is the only Medicare supplement
product that carries the AARP name.
Value-Added Services
Because Medicare supplement plans are standardized,
one of the ways (aside from premium) that we can
differentiate ourselves in the market is through our
value-added services.
Plan members can receive the following additional
services at no additional cost. These services are
separate from the Medicare supplement plan benefits,
may be discontinued at any time and vary by state.
The 24-hour Nurse HealthLine
AARP Medicare Supplement Insurance members can
call toll-free to speak directly with a registered nurse
about their health concerns 24 hours a day, seven
days a week through the Nurse HealthLine provided by
OptumHealth.SM
Nurse HealthLine offers:
Plan Highlights
•Treatment decision support
•Low, stable annual rate increases averaging approximately 5.5 percent nationally over the last 5 years1
•Information on doctors and hospitals
•Excellent claims service — 99.7 percent of claims are
processed within 10 business days
•Special extras, such as pharmacy savings,
vision discounts, 24-hour Nurse HealthLine, and
SilverSneakers® Fitness Program (not available in all
states) Note: Agents selling in KS and NY cannot
discuss these services during pre-sale
•Members can’t be singled out for a rate increase
•Competitive pricing
•Nationwide coverage, including Washington, D.C.
and some U.S. territories
•Discounts including Multi-insured and Automatic
Payment (availability varies by state)
1
AARP Med Supp
AARP Medicare
Supplement
Insurance
•The ability to schedule appointments and coordinate
medical records
•Help deciding whether to see a doctor or go to
a hospital
•Prescription and medication information
•Health education and self-help tips
•Audio library that offers recorded messages on more
than 1,100 health and wellness topics
•English- and Spanish-speaking nurses and translations
in more than 140 languages
Note: OptumHealth is the provider of Nurse HealthLine. OptumHealth
nurses cannot diagnose problems nor recommend specific treatment
and are not a substitute for a doctor’s care. This service is not an
insurance program and may be discontinued at any time. All decisions
about health and wellness care are between members and their
health care providers.
T he national average rate increase is based on rate increases for years 2006 - 2010 for AARP Medicare Supplement plans.
Increases vary by plan, state and year.
California
5
AARP Med Supp
AARP® Vision Discounts
provided by EyeMed Vision Care
Members can save up to 30% off on prescription glasses
and up to 20% off on contact lenses at participating
stores, including LensCrafters, Pearle Vision, Sears
Optical, Target Optical and JCPenney Optical stores.
Also, AARP Medicare Supplement members pay only
$40 for routine eye exams (note: AARP members pay
$45 for eye exams).
Pharmacy Savings
This program can help AARP members with:
•Prescription drugs through the AARP Prescription
Discount Program through Walgreens Health Initiatives*
•Over-the-counter drugs, vitamins, personal care
products and more
•Medicare Part B-reimbursed diabetes testing and
respiratory supplies
Prescription drugs — The prescription drug discount
program can help members manage their prescription
drug costs for those drugs not covered by Part D.
Members can realize exclusive savings on FDAapproved medications at participating retail network
pharmacies as well as through Walgreens mail service.
Members can find more information at:
www.aarppharmacy.com
Over-the-counter medications — The AARP®
Health Essentials catalog, provided by Walgreens, can
help members save 5 percent or more on qualifying
items. Accessible both in print and on the Internet,
the catalog offers members a selection of over
22,000 items including vitamins, over-the-counter
medications, personal care products and more. AARP
members can order at either or both of the following:
Medicare Part B-reimbursed diabetes testing
and respiratory supplies — Through AARP® Medical
Supply Services provided by Prescription Solutions,
members can enjoy free home delivery on Medicare
Part B-reimbursed diabetes testing and respiratory
supplies. Prescription Solutions will submit Part B and
supplemental insurance claims for the member. They
will also make reminder calls to the member when it is
time to reorder. Members can find more information at
www.aarphealthcare.com/products/medicalsupplies
SilverSneakers Fitness Program
AARP Medicare Supplement Insurance members
in some states can now take advantage of the
SilverSneakers Fitness Program or SilverSneakers Steps,
provided by Healthways, as a value-added service at no
additional cost.
With SilverSneakers, members have free access to
health center amenities such as treadmills, weights,
heated pools and fitness classes that are included
with a basic membership. Members can take signature
SilverSneakers classes designed specifically for older
adults and taught by certified instructors. SilverSneakers
members have access to more than 9,000 participating
health center locations.
A program called SilverSneakers Steps is available to
members living 15 miles or more from a participating
SilverSneakers health center location. This self-directed,
pedometer-based physical activity and walking program
provides the equipment, tools and motivation for
members to measure, track and increase their activities
and achieve a healthier lifestyle.
SilverSneakers/SilverSneakers Steps programs are
not available in all states. Additional information will
be provided in the event the program expands into
other states.
•Online at www.aarppharmacycatalog.com
•By calling toll-free at 1-866-202-4020
*Important: The AARP® Prescription Discount Program, provided by Walgreens Health Initiatives, is not insurance, nor does it replace Medicare Part D
prescription drug insurance, and is only intended to provide discounts on prescription drugs that are not covered by Part D or another third party
payor. This program is not a Medicare Part D prescription drug plan. Members should always present their Part D cards first to the pharmacist.
6
California
SilverSneakers Fitness Program
The program is currently available in the following states:
Georgia
Nebraska
Texas
Arizona
Illinois
North Carolina
Utah
Colorado
Indiana
Ohio
Wisconsin
Connecticut
Kentucky
Oklahoma
District of Columbia
Michigan
Tennessee
Eligibility: Members residing in one of the above states
are eligible for the SilverSneakers Fitness Program.
Eligibility is based on the member’s resident state on
file. Members who reside in one of the above states can
use participating facilities nationwide — even when they
travel. However, if members reside in a non-participating
state but vacation in a participating state listed above,
they will not be eligible because the program is not
available in their state of residence.
AARP Med Supp
Arkansas
Note: The services provided by the SilverSneakers program
are made available as a courtesy to AARP members insured by
UnitedHealthcare Insurance Company (United). They are not
insurance coverage and may be discontinued at any time. AARP
and United do not endorse and are not responsible for the services
or information provided by this program. Consult a health care
professional with questions about your health care needs.
AARP Membership
Applicants must be an AARP member or live in the
same household as someone who is an AARP member
to enroll in an AARP Medicare Supplement Insurance
Plan. If they are not members (or are not living in the
same household as an AARP member), they can join
by using one of the following methods:
1. Online at aarpadvisor.aarphealthcare.com/uhg
2. Phone at 1-866-331-1964. Representatives are
available Mon. - Fri., 7am-11pm and Sat., 9am-5pm ET.
3. Complete an AARP membership form (which can be
found in the AARP Medicare Supplement enrollment
kits) and include the membership dues (via a separate
check from the monthly premium check) at the time
of enrollment. AARP membership checks must be
made out to “AARP”.
Dues are not deductible for income tax purposes.
California
One membership covers both the member and another
individual living in the same household. The traditional
household for one membership number consists of a
husband and wife. However, if requested, AARP will
assign one membership number per household in
non-traditional situations (e.g., mother/daughter,
brothers, unmarried partners, same gender partners,
etc.). A maximum of two individuals can enroll per
household under the same membership number.
AARP membership is available to individuals age 50 and
older and provides:
•Exclusive discounts
•A subscription to the award-winning
AARP The Magazine
•Important information on health, Medicare and Social
Security, and much more
7
Eligibility
Eligibility –
California
This section provides the business practices for AARP
Medicare Supplement Insurance Plans (Medigap) offered
to AARP members and insured by UnitedHealthcare
Insurance Company. Rules and criteria vary by state.
If you are licensed in more than one state, please refer to
the appropriate state-specific handbook for information
specific to that state.
Requirements
The following eligibility rules apply for AARP Medicare
Supplement applicants. Applicants must:
•Be enrolled in Medicare Part A and Part B at the time of
the plan effective date
•Be residents of the state in which they are applying
for coverage
•Be AARP members or live in the same household of an
AARP member (e.g., spouse)
Applicants who do not qualify for Open Enrollment or
Guaranteed Issue (see pages 9 and 10) will be denied
coverage for any of the following reasons:
•End Stage Renal Disease (ESRD)
•Currently receiving dialysis
•Diagnosed with kidney disease that may require dialysis
•The applicant was admitted to a hospital within the
past 90 days (Note regarding hospital and skilled
nursing facility stays: No benefits will be paid for the
portion of a hospital or skilled nursing facility stay that
occurs before coverage starts.)
Medical Underwriting &
Pre-Existing Conditions
Medical Underwriting
Applicants who do not qualify for Open Enrollment
or Guaranteed Issue (see pages 9 and 10) will be
underwritten.
Pre-existing Conditions
An applicant has a pre-existing condition if any of the
following happened within three months before the
applicant’s plan effective date.
1. A Physician gave medical advice for the condition.
2. A Physician recommended or gave treatment for
the condition.
3. A Physician recommended or prescribed a
prescription drug for the condition.
Pre-existing conditions will be covered as of the AARP
Medicare Supplement plan effective date for applicants
who qualify for Open Enrollment or Guaranteed Issue
(see pages 9 and 10) or who are replacing a Medicare
Supplement plan or creditable coverage.* For all others,
there is a 3-month waiting period after the plan effective
date before pre-existing conditions are covered.
All decisions to cover pre-existing conditions will
be made when the application is processed.
*Note: Medicare Parts A and B are creditable coverage.
However, individuals who buy Medicare Supplement
insurance are keeping, not replacing, Medicare Parts
A and B.
•A medical professional has recommended or discussed
as a treatment option any of the following that has
not been completed: hospital admittance as an
inpatient; organ transplant; back or spine surgery; joint
replacement; and cancer, heart or vascular surgery
8
California
Open Enrollment – California
Remember, rules and criteria vary by state. If you are
licensed in more than one state, please refer to the
appropriate state-specific handbook for information
specific to that state.
Applicants qualify for a six-month Open Enrollment
period in the following ways:
•Following notice or effective date of termination
of employer coverage, or loss of eligibility for such
coverage due to divorce or spouse’s death.
•Following loss, or loss of access to, military retiree
coverage due to base closure, termination of services
by the base, or the retiree’s change of residence.
•Following loss of Medicare supplement (including
Medicare Select) coverage due to change of residence
to a location not served by the plan.
•Following loss of eligibility for Medicaid due to
increased income or assets.
Example 2: Bob’s 60th Birthday is June 15th. He has
been notified by Social Security that Medicare Part B
will start on June 1. Bob is in his Open Enrollment period
from June 1 through November 30. Bob’s application
can be submitted during the three months prior to June
1 or any time between June 1 and November 30. Bob
will have a second Open Enrollment period from June 1
through November 30 the year he turns 65.
Applicants qualify for an annual one-month Open
Enrollment period in the following way:
· During the individual’s birthday month for those
replacing another Medicare supplement plan (including
Medicare Select). The enrollment application must be
submitted during the month prior to, during, or the
month after the individual’s birthday month.
Enrollment applications may be submitted up to three
months prior to the start of Open Enrollment.
Open Enrollment — Other Information
Plan Availability
†
Age 65 & older
Plans A, B, C, F, K, L, and N
Age 50-64
Plans A, B, C, F, and K†
Pre-Existing Conditions Exclusion
None
Underwriting
None
eneficiaries under 65 eligible for Medicare due to End Stage Renal Disease are not eligible to enroll in an AARP
B
Medicare Supplement Insurance Plan, except during Birthday Open Enrollment.
California
9
Eligibility
•The first six months they are enrolled in Medicare
Part B (if initial enrollment in Part B is before age 65,
there is a second six-month Open Enrollment period
at age 65).
Example 1: John is 70 years old and is retiring at the
end of June. He has been notified by Social Security
that Medicare Part B will start on July 1. John is in his
Open Enrollment period from July 1 through December
31. John’s application can be submitted during the three
months prior to July 1 or any time between July 1 and
December 31.
Guaranteed Issue – California
Eligibility
The following table outlines the situations under which applicants would qualify for Guaranteed Issue and the
application requirements. Remember, rules and criteria vary by state. If you are licensed in more than one state,
please refer to the appropriate state-specific handbook for information specific to that state.
Qualifying Event
Application Requirements
1. Applicants lose, learn they have lost, or drop employer
coverage, or the employer plan no longer covers all of the
Medicare Part B coinsurance.
2. Applicants are enrolled in a Medicare Advantage (MA),
PACE or Medicare Select plan and:
• The plan stops coverage in the area,
• The plan sends notice it will stop coverage, or
• Applicants move out of the service area
3. Applicants are enrolled in a MA, PACE or Medicare
supplement (including Select) and the plan:
• Violates the insurance contract (for example, by failing to
provide necessary medical care), or
• Was misrepresented in marketing to the individual
4. Applicants are enrolled in a Medicare supplement plan
(including Select) that is involuntarily terminated
(for example, company bankruptcy).
5. Applicants dropped their Medicare supplement coverage to
enroll in a MA, PACE, or Select plan, and dropped that plan
within two years.
6. On first enrolling in Medicare Part A at age 65, applicants
enrolled in a MA or PACE plan, and dropped that plan within
two years.
7. The individual’s Medicare Advantage plan reduces benefits,
increases cost sharing, or discontinues one of the individual’s
providers for a reason other than good cause relating to
quality of care.
Completed applications must be received
within 123 days after the qualifying event.
Applications must include “notice of creditable
coverage” (employer plans) or “notification
of rights.”
Important note regarding Medicare Advantage (MA): By law, MA applicants cannot be accepted unless MA
coverage terminates on or before the AARP Medicare Supplement Insurance Plan’s effective date. Applicants must
have a valid MA election or enrollment period to leave an MA plan. Having a valid election or enrollment period does
not automatically qualify an applicant for Guaranteed Issue. Only the specific events listed above qualify an applicant
for Guaranteed Issue.
Guaranteed Issue — Other Information
Plan Availability
Age 65 & older
Plans A, B, C, F, K, L, and N
Age 50-64
Plans A, B, C, F, and K††
Pre-Existing Conditions Exclusion
None
Underwriting
None
††
eneficiaries under 65 eligible for Medicare due to End Stage Renal Disease are not eligible to enroll in an AARP
B
10
California
Plan Availability – California
Medicare beneficiaries age 65 and older
The following chart shows the plans available to eligible Medicare beneficiaries age 65 and older residing in California.
A, B, C, F, K, L, and N
When Are Plans Available?
Year round
Are Plans Underwritten?
Yes, unless the beneficiary qualifies for Open Enrollment or Guaranteed Issue
Eligibility
What Plans Are Available?
Medicare beneficiaries age 50-64
The following chart shows the plans available to eligible Medicare beneficiaries age 50–64 residing in California.
What Plans Are Available?
A, B, C, F, and K*
When Are Plans Available?
If the individual qualifies for Open Enrollment or Guaranteed Issue
Are Plans Underwritten?
No, because they are only available to beneficiaries who qualify for
Open Enrollment or Guaranteed Issue
Note: Plans vary by state. If you are licensed in more than one state, please refer to the appropriate state-specific
handbook for information specific to that state.
* Beneficiaries under 65 eligible for Medicare due to End Stage Renal Disease are not eligible to enroll in an AARP
California
11
Underwriting and Rate Information
2011 New Sales in California
The following section applies to California. Rates and Underwriting vary by state. Please refer to the appropriate
state-specific handbook for information specific to a beneficiary’s residence state.
Medicare Beneficiaries Age 65 and Older
Underwriting and Rate Summary
UNDERWRITING/RATES
Underwriting requirements and rates for the AARP Medicare Supplement Insurance Plans vary based on the time
that has elapsed from the applicant’s 65th birthday or Medicare Part B effective date, if it is later. The following
chart provides a summary of the underwriting requirements and applicable rates:
Time since 65th birthday or Medicare Part B Effective Date, if later
0 to < 7 months
Underwriting1
Rate3
7 months to < 6 years
No Underwriting
Open Enrollment Period
6 years to < 10 years
10 years or more
Eligibility Underwriting2
Standard Rate with Enrollment Discount4
Level 1 Rate
Level 2 Rate
Group 1
Group 2
Group 3
Rate Group
(see Appendix II)
1
Does not apply to applicants who meet guaranteed issue requirements.
2
Applicants must answer the eligibility questions in Section 5 on the application. Applicants who answer “yes” to
any question in Section 5 are not eligible for coverage.
3
Refer to Appendix II for rates. All Members (except those who meet open enrollment or guaranteed issue
requirements) who respond “yes” to the tobacco use question on the application will pay the tobacco use version
of the rate shown in the chart.
4
For details about the Enrollment Discount program, refer to the next section entitled “Enrollment Discount.” Note:
applicants age 75 and older are not eligible for the Enrollment Discount and will pay the standard rate.
Refer to the appendix for:
Appendix I — Underwriting conditions glossary
Appendix II — Rate page
Appendix III — Area rating zip code listing
12
California
Enrollment Discount*
The Enrollment Discount is available to applicants age 65 and over only.
Eligibility
Discount Percentage and Duration
Applicants are eligible for the Enrollment Discount if their
•If applicants are eligible for the Enrollment Discount,
age on their plan effective date is:
the discount percentage is applied to the standard rate.
•65 to 70, OR
•The first-year discount percentage and the duration of
•71 to 74 AND their plan effective date is within 6 years
the discount program will vary based on applicants’ age
of their Medicare Part B effective date
as of the plan effective date (see table below).
•The discount percentage amount changes on the
anniversary date of the plan as members move through
the discount program.*
•After the eligible discount duration expires, applicants
will pay the standard rate.
Enrollment Discount — Discount Percentages and Duration
Discount
Year
Age as of Plan Effective Date
65
66
67
68
69
70
71
72
73
74
75+
1
30%
27%
24%
21%
18%
15%
12%
9%
6%
3%
0%
2
27%
24%
21%
18%
15%
12%
9%
6%
3%
0%
3
24%
21%
18%
15%
12%
9%
6%
3%
0%
4
21%
18%
15%
12%
9%
6%
3%
0%
5
18%
15%
12%
9%
6%
3%
0%
6
15%
12%
9%
6%
3%
0%
7
12%
9%
6%
3%
0%
8
9%
6%
3%
0%
9
6%
3%
0%
10
3%
0%
11
0%
*Note: Rates generally change annually. If the standard rate changes, the discounted monthly premium will be
adjusted accordingly.
California
13
UNDERWRITING/RATES
Applicants age 75 and over are not eligible for the
Enrollment Discount.
Other Rate Discounts
Multi-Insured Discount
5 percent off the monthly premium if two members are on the same AARP membership household account and
each is insured under an AARP-branded supplemental insurance policy with UnitedHealthcare. (Does not apply to
AARP® MedicareRx Plans or AARP® MedicareComplete® plans.)
Automatic Payment Discount
$2.00 per household per month when the entire household pays their premium through Electronic Funds Transfer.
UNDERWRITING/RATES
Annual Payer Discount
$24.00 per household per year for insureds who pay their entire calendar year premium in January.
NOTE: Automatic Payment discount and Annual Payer discount cannot be combined.
Rating Information
Community Rating with Areas
Rate Guarantee
Community rating means all members in the same
rating class pay the same rate (excludes discounts and
surcharges). In an area rated state, all members in the
same class in the same area pay the same rate (excludes
discounts and surcharges).
New members receive a 6-month rate guarantee from
their initial plan effective date. Members will not receive
an additional rate guarantee when switching from one
AARP Medicare Supplement plan to another.
Refer to Appendix III for lists of ZIP Codes applicable to
each area.
Tobacco Use
Members who have smoked cigarettes or used any
tobacco product at any time within the past 12 months
will pay the tobacco use version of the rate for which
they qualify. This does not apply to applicants who meet
open enrollment or guaranteed issue requirements.
14
Rate Changes
UnitedHealthcare’s monthly premium generally changes
once a year. However, enrolled members may see their
premium change at other times due to:
•the Enrollment Discount changing on their policy
anniversary
•rate guarantee ending, or
•moving into a different area or state
California
Underwriting Information
•Who needs to be underwritten? Applicants
outside of their open enrollment period and who do
not qualify for guaranteed issue are underwritten to
determine eligibility.
•Does underwriting vary for different AARP
Medicare Supplement Plans? No.
•Can applicants be denied for coverage? If
applicants need to be underwritten, the only medical
reasons for denial are:
––Dialysis is required
––Applicants have been admitted to a hospital within
the past 90 days
––A medical professional has informed the applicant
that they may need any of the following for a medical
condition that has not been completed:
• Hospital admittance as an inpatient
• Organ transplant
• Back or spine surgery
• Joint replacement
• Surgery for cancer
• Heart surgery
• Vascular surgery
The above medical reasons can be found on Section
5 of the application. If applicants answer “yes” to any
question in Section 5, they will be denied coverage.
Everyone has the right to apply. Applicants can continue
the application process even if they may not qualify.
California
Note that Appendix I includes a glossary with short
definitions of the medical conditions listed on the
application. This may assist you if applicants are unsure
about a listed medical condition.
•What if additional medical information is needed?
The underwriter may contact applicants or their physician
to clarify the information before reaching a decision.
•Can an insured applicant change to a different
AARP Medicare Supplement Plan?
––A change from an AARP Medicare Supplement Plan
with an effective date of 6/1/2010 and later to
another is usually permitted without underwriting.
The new plan must be available at the applicant’s
current age and area of residence.
––A change from an AARP Medicare Supplement
Plan with an effective date of 5/1/2010 or prior
will require new rating and underwriting (same
requirements as new sales).
UnitedHealthcare reserves the right to deny a plan
change request at any time. If applicants are denied a
plan change request, they can remain with their current
plan, with no effect to their current rates.
Please ensure that the application has been
completed in full. If you did not assist in answering
the health questions, remember to darken
the circle at the end of the application (above
the agent signature box). Material mistakes or
incomplete responses on applications may subject
applicants to re-evaluation of their rate or loss of
coverage.
15
UNDERWRITING/RATES
––End Stage Renal Disease (ESRD)
•What if applicants are unsure about their medical
conditions? If applicants are unsure about their
medical conditions, their uncertainty should be noted
on the applications and submitted to underwriting for
review along with available information.
Medicare Beneficiaries Age 50 to 64
Underwriting and Rate Summary
The following chart provides a summary of the underwriting requirements and the applicable rate:
Time since Medicare Part B Effective Date
0 to < 7 months
Underwriting
ESRD Eligibility Question1
Open Enrollment Period
UNDERWRITING/RATES
Rate2
7 months or more
ESRD Eligibility Question1
(Plans are only available to applicants who meet guaranteed
issue or other open enrollment period requirements)
Disabled Rate
Rate Group
(see Appendix II)
Group 4
Applicants must complete the ESRD Eligibility Question on the application. Applicants who have ESRD can only
apply during the birthday open enrollment period for those replacing other Medicare supplement coverage. All other
applicants who have ESRD are not eligible to apply for coverage.
1
Refer to Appendix II for rates.
2
Rate Discounts
Multi-Insured Discount
5 percent off the monthly premium if two members are on the same AARP membership household account and
each is insured under an AARP-branded supplemental insurance policy with UnitedHealthcare. (Does not apply to
AARP® MedicareRx Plans or AARP® MedicareComplete® plans.)
Automatic Payment Discount
$2.00 per household per month when the entire household pays their premium through Electronic Funds Transfer.
Annual Payer Discount
$24.00 per household per year for insureds who pay their entire calendar year premium in January.
NOTE: Automatic Payment discount and Annual Payer discount cannot be combined.
16
California
Rating Information
Community Rating with Areas
Rate Guarantee
Community rating means all members in the same
rating class pay the same rate (excludes discounts and
surcharges). In an area rated state, all members in the
same class in the same area pay the same rate (excludes
discounts and surcharges).
New insureds receive a 6-month rate guarantee from
their initial plan effective date. Insureds will not receive
an additional rate guarantee when switching from one
AARP Medicare Supplement plan to another.
Refer to Appendix III for lists of ZIP Codes applicable to
each area.
Rate Changes
UNDERWRITING/RATES
UnitedHealthcare’s monthly premium generally changes
once a year. However, enrolled members may see their
premium change at other times due to:
•rate guarantee ending, or
•moving into a different area or state
Underwriting Information
•Who needs to be underwritten? Underwriting
is not required for these plans. Eligible applicants
without ESRD can enroll in any available plan without
underwriting.
•Does underwriting vary for different AARP
Medicare Supplement Plans? No.
•Can applicants be denied for coverage? No, not for
underwriting reasons.
•Can an insured applicant change to a different
AARP Medicare Supplement Plan?
––A change from an AARP Medicare Supplement Plan
with an effective date of 6/1/2010 and later to
another is usually permitted without underwriting.
The new plan must be available at the applicant’s
current age and area of residence.
––A change from an AARP Medicare Supplement
Plan with an effective date of 5/1/2010 or prior
will require new rating and underwriting (same
requirements as new sales).
UnitedHealthcare reserves the right to deny a plan
change request at any time. If applicants are denied a
plan change request, they can remain with their current
plan, with no effect to their current rates.
Please ensure that the application has been
completed in full. If you did not assist in answering
the health question, remember to darken the circle
at the end of the application (above the agent
signature box). Material mistakes or incomplete
responses on applications may subject applicants
to loss of coverage.
California
17
Providing a Preliminary Quote
New Sales in California
The following worksheet is for producer use only and must not be distributed to consumers. You can use this
worksheet to become more familiar with our rate-quoting methods. You can download it through the agent portal.
Producers are welcome to print and fill out for different application scenarios.
Before quoting rates, be sure to review requirements in this handbook for:
• Eligibility
• Open Enrollment and Guaranteed Issue
• Plan Availability
• Underwriting and Rates
Preliminary Quote
Medicare Beneficiaries 65 and Older
a. First day of 65th Birthday month or Medicare Part B effective date, if later:
1
Enrollment
Time
b. AARP Medicare Supplement plan effective date
/1/
/1/
c. Elapsed time (# months between a and b) If c is less than 7 months, go to Step 4
2
Guaranteed
Issue
Does the applicant meet Guaranteed Issue Requirements?
If yes, go to Step 4
3
Underwriting
Eligibility
Did the applicant respond “yes” to any of the eligibility questions in Section 5 of the
application?
If yes, the applicant is not eligible for coverage
4
Determine
Rate
Consult the Underwriting and Rate Summary Chart in the Underwriting and Rates section of this
handbook to determine the appropriate rate and rate group for which the applicant qualifies.
5
Determine
Area
Look up applicant’s ZIP Code in the area rated tables found in Appendix III of this handbook or
in an enrollment kit to determine the area the applicant falls in.
6
Rate Quote
Refer to Appendix II or an enrollment kit to obtain the exact rate you will quote. Be sure to use
the correct page for tobacco or non-tobacco use and rating area identified in Step 5.
Provide the rate quote disclaimer:
7
18
Disclaimer
“Rates are subject to change. Actual rate will be determined upon acceptance into the
program based upon eligibility criteria and your medical conditions, if applicable.”
California
Plan Change Situations
The following chart outlines the rating and underwriting requirements for applicants who want to change
from one AARP Medicare Supplement Plan to another.
Rating and underwriting requirements vary based on the effective date of the applicant’s current AARP Medicare
Supplement Plan:
Current AARP Medicare
Supplement Plan Effective Date
Underwriting Requirements
Rating Requirements
5/1/2010 or prior
Same as new sales
(refer to Underwriting and Rate
Summary Chart)
Same as new sales
(refer to Underwriting and Rate
Summary Chart)
6/1/2010 or later
None1
Same rate level as current plan2,3
Applicants do not need to answer health questions in sections 5 or 6 on the enrollment application.
2
iscounts for which the applicant is currently eligible will continue to apply, assuming no other changes have
D
occurred that affect eligibility for the discount.
3
If beneficiaries are receiving an Enrollment Discount, advise them that they will continue to receive the balance of
the discount program from the time they enrolled in the original plan.
California
Preliminary Quote
1
19
Sales and
Marketing
Materials
A variety of AARP Medicare Supplement marketing
materials are available to use for selling the product.
You can access the following materials
through the agent portal. Simply log in and
from the menu select Product Information
and Materials and then Sales Materials.
Enrollment kits
Marketing
You can order and download state-specific enrollment
kits on the agent portal.
Important: Enrollment kits are revised periodically to
comply with state requirements and may change during
the year. Therefore, we recommend that you order only
a small quantity (e.g., a 2-month supply) of material at a
time. It is your responsibility to ensure that you and your
applicants are only using current materials. Agents may
order a maximum of 50 enrollment kits per week. Higher
quantities must receive approval.
Sales Presentations
The state-specific sales presentations are designed for
agents to use at events such as community meetings,
seminars and during at-home appointments. Agents may
personalize the sales presentation with their name and
phone number on the cover slide and closing slide.
Lead Generation Materials
AARP Medicare Supplement approved marketing pieces
can be used to:
•Generate leads
•Promote community meetings
20
•Educate individuals about AARP Medicare Supplement
Insurance Plans
•Create awareness of the services you provide as
an agent
Marketing materials, such as flyers, lead generation
letters and brochures, are available for download
and allow you to personalize with your own contact
information through the online sales toolkit.
The online sales toolkit provides easy-to-use tools
to help you build marketing materials for your specific
needs. You’ll find templates for marketing materials that
you can customize quickly and easily for a variety of
uses. You will have two output options:
1. Print — You can order printed marketing pieces
directly through the online sales toolkit. Prices vary by
quantity and piece.
2. Download — You have the option to download a
high-resolution file and take it to a print vendor of your
choosing or print using your office printer.
Promotional Items
AARP Medicare Supplement-branded promotional
items are great to use as giveaways at in-home
appointments, seminars and other events.
You may purchase branded items, such as pens
and note pads, on the UnitedHealth Group
online e-store. You can find a link to the e-store
on the agent portal under Plan Information and
Materials > Materials > Sales Materials. Once
in the e-store, simply click on AARP Medicare
Supplement Insurance listed in the left column.
All major credit cards are accepted. Additional
items will be added to the store throughout the
year so check back frequently!
Agency names cannot be imprinted on AARP
Medicare Supplement branded promotional
items.
Note: Promotional merchandise is not available
for use in Georgia and New York.
California
Sales and Marketing
Materials Rules
Producers are prohibited from creating new or altering
existing marketing materials for AARP Medicare
Supplement Insurance Plans. Any material that states
the product name or uses the AARP logo or name in any
piece must be approved by UnitedHealthcare (UHC) and
AARP Services, Inc. (AARP’s wholly owned subsidiary),
and in most cases, filed with each state. Therefore, you
must only use sales and marketing materials provided
by UnitedHealthcare to promote the AARP Medicare
Supplement product. You must not create your own
pieces with the AARP Medicare Supplement name
or logo.
•If a piece contains a cover page with agent instructions
on how to use, please do not distribute the cover page
to beneficiaries.
Please note that you only have access to materials for
products in which you are fully trained and certified.
Distribution of materials to uncertified producers
is strictly prohibited.
Producers who do not comply may face disciplinary
action, including, but not limited to, termination of
contract.
The availability of sales and marketing materials varies
by state. Materials are filed with each state and may take
time to get approval. If no items are available, please
check back frequently for approved materials on the
producer portal.
Marketing
The following guidelines apply when using AARP
Medicare Supplement marketing pieces:
•Use only approved pieces.
•Verify that the piece has been approved in the state(s)
you would like to market in. If you do not see a state
listed in the toolkit or materials area of the portal, the
piece is not approved for use in that state.
•Altering the pieces is prohibited (excluding the editable
fields). You must not remove, edit, move or add
information to the pieces. You may not make pieces
smaller because each state’s Department of Insurance
requires a minimum font size.
•The pieces must not be used in an e-mail campaign.
Exception: E-mail campaigns are permissible with
agent recruitment efforts. See approved material on
the agent portal.
•You may not make cold calls as highlighted in the
Branded Products Addendum (Exhibit B) in your
contract. And you cannot follow up with your mail
recipients to see if they received your mailing or flyer.
California
21
The Authorized to Offer (A2O) Program
The “Authorized to Offer” program recognizes agents who have met and continue to meet all certification standards,
demonstrate competency on AARP Medicare Supplement Insurance Plans and continue to serve AARP members’
best interests. The use of AARP-branded materials will be an advantage that will ultimately raise the bar for agents.
The A2O Program offers two levels:
– Level 1 – Access to AARP-branded products
– Level 2 – Access to exclusive marketing content, only available to qualifying agents.
The Program offers opportunities based on certain levels of A2O Agents:
Level 1
Materials
Availability
•Enrollment materials
Available to all agents who have completed the
A2O Level 1 requirements:
•Sales presentation
•Quality Production Minimums (QPMs)
•Prospecting materials
•AARP 101 (Orientation) Training Course
––flyers
•UnitedHealthcare Medicare Solutions
Required Training
––ads
Marketing
––mailers
•Leave-behinds such as brochures and fact sheets
Level 2
•Community Service Attestation
Materials may include items such as:
Available to those agents who have:
•Letter of introduction
•Completed the A2O Level 1 requirements
noted above
•Business cards
•A2O brochure
•AARP 231 (Mature Markets) Training
Quality Production Minimum Qualifications
From January 2010 through March 2011, agents must
submit at least five (5) AARP Medicare Supplement
accepted and paid applications to retain A2O Level 1
status. Agents who fail to attain the quality production
minimum will be de-authorized from offering AARP
Medicare Supplement plans for 120 days in 2011.
22
FMO and ICA agents who submit at least twenty (20) AARP
Medicare Supplement accepted and paid applications
and are certified to represent all three AARP-branded
products (Medicare Supplement, Medicare Advantage
and Part D Prescription Drug Plans) will be invited
into A2O Level 2 status where they must complete
one additional AARP training module. ISR agents may
complete the AARP training module for Level 2 status
with no required quality production minimums.
California
Enrolling
Applicants
Enrollment Kits
Enrollment Material
66GEBZY^XVgZHjeeaZbZci>chjgVcXZEaVch
'%&&
D6'*%-%HI
Enrollment kits are available for
all producers who are certified by
UnitedHealthcare to offer AARP
Medicare Supplement Insurance
Plans. The enrollment kits contain
all of the materials necessary to
complete a sale. It is important
to deliver the enrollment kit in its
entirety to the applicant.
Please verify you have current materials. Using
outdated materials may cause an application to be
delayed or rejected.
You must leave all items in the enrollment kit with
the applicant except for items to be submitted to
UnitedHealthcare.
Enrollment Applications
You must use the agent version of the AARP
Medicare Supplement application, which can be
identified by the agent signature line, ID and disclaimer
language located at the end of the application. Agent
versions of the application will be included in the
enrollment kits available through the portal’s Product
Information and Materials section. If you do not use the
agent application or you use it in combination with a
direct-to-consumer application (e.g., direct mail), we will
not pay commissions.
•Review the plan options with beneficiaries and guide
them to the plan that best fits their needs
•Indicate the applicant’s plan selection and desired
effective date on the application. If the applicant has
current health coverage, please note on the application
in the appropriate spot.
Applicants Replacing Coverage
Replacement Notice
Applicants who are replacing another Medicare supplement
plan or a Medicare Advantage plan must submit the Notice
to Applicant Regarding Replacement of Medicare
Supplement Insurance or Medicare Advantage
(Replacement Notice). Each state-specific enrollment kit
includes a Replacement Notice, which must be signed by
the applicant and the agent.
If applicants are changing from one AARP
Medicare Supplement Insurance Plan to another
AARP Medicare Supplement Insurance Plan, the
Replacement Notice is not required. However,
applicants must submit a new application.
If applicants are turning 65, a Replacement Notice is
not required.
Continuous Coverage
Applicants who are replacing their existing Medicare
supplement coverage should not cancel their coverage
until they receive confirmation of acceptance and the
new policy’s effective date. When replacing an existing
policy, applicants should request a policy effective date
to coincide with the date existing coverage ends.
Please note: AARP Medicare Supplement Insurance
Plan effective dates are always the first of a month.
For more information on effective dates, please refer
to the section on effective dates under “Application
Processing” of this Producer Handbook.
Prior to filling out the application, you should:
•Confirm the beneficiary is enrolled in Medicare Part A
and Part B
California
23
Application
You can order enrollment kits by accessing the producer
portal. Simply log in and click on Product Information
and Materials and then Sales Materials. For assistance
in using this system, click the Instructions tab after
logging in.
•Confirm the beneficiary is an AARP member
Applicants Replacing Coverage
(continued)
Replacing a Medicare Advantage Plan
Enrollment in Medicare supplement insurance does NOT
automatically disenroll a beneficiary from a Medicare
Advantage plan. Beneficiaries should contact their current
insurer or 1-800-Medicare to see if they are eligible
to disenroll, and to disenroll if they are able. They may
choose to disenroll from their Medicare Advantage plan
by enrolling in a stand-alone prescription drug plan if they
are able to do so. Medicare Advantage and Medicare
supplement coverage cannot overlap, and there should be
no gap in coverage, so request a policy effective date to
coincide with the date existing coverage ends.

Applicant(s)
must sign and date in two places in
the “Authorization and Verification of Information”
section.

Agent must sign and date the last page of the application.

Note:
Applications cannot be backdated prior to the
application signed date for any reason.
Applications with erasures or other alterations may be
delayed or rejected. If applicants make a mistake, they
must initial any changes they make.
If the application is incomplete or clarification is needed,
we may contact you or the applicant by phone or letter.
We encourage you to explain this to applicants and ask
for their prompt cooperation.
Other Required Information
AARP Membership
Enrollment Checklist
To ensure prompt and accurate processing of a
beneficiary’s application, please ensure the following:
Enrollment Application
Application
Complete all required sections of the
application, including:

AARP
membership number (if a member or
another individual living in the same household is a
member)

The
applicant’s plan selection

The
conditions of eligibility and authorization

Requested
effective date (if left blank, the effective
date will be assigned as the first day of the month
after receipt of application.)

Health
conditions (if applicable)

Signatures

Applicant’s
and dates
current health coverage (if applicable)

If
you did not assist in answering the health
questions, remember to darken the circle at the end
of the application (above the agent signature box).
Signatures:

Applicant(s)
must sign the “Tell us about your past
and current coverage” section.
24
If an applicant is not an AARP member, they can sign
up for AARP membership through one of the following
methods:

Join
online at aarpadvisor.aarphealthcare.com/uhg

Call
1-866-331-1964. Representatives are available
Mon - Fri, 7am-11pm and Sat., 9am-5pm ET.

Complete
an AARP membership form (which
can be found in the AARP Medicare Supplement
enrollment kits) and include the membership
dues (via a separate check from the monthly
premium check) at the time of enrollment. AARP
membership checks must be made out to “AARP”.

Note:
One membership covers both the member
and another individual living in the same household.
Therefore, only one application is required if two
individuals of a household are applying for AARP
membership.

Dues
are not deductible for income tax purposes.
Automatic Payment:

Complete
and submit if applicants want to pay
future premiums by Automatic Payment.

Include
a voided check.

Deduct
the Automatic Payment discount of $2
per household if the applicant is signing up for
Automatic Payment at the time of application.

Note:
Automatic Payment requests will be
processed on 5th of the month and may take one
California
month to become active, depending upon date
application is received and processed.
Premium Check:

Collect
and remit for the first month’s premium. (If
the applicant is changing from one AARP Medicare
Supplement Plan to another AARP Medicare
Supplement Plan, do not send any money.)
checks payable to UnitedHealthcare
Insurance Company.

Make
Replacement Notice: Complete and submit, if
applicable.

Required
for applicants replacing another Medicare
supplement plan or a Medicare Advantage plan.

Both
the applicant and the agent must sign the
Replacement Notice.

Note:
A Replacement Notice is not required if
applicants are replacing one AARP Medicare
Supplement plan with another AARP Medicare
Supplement plan.
Provide to Applicant
Automatic Payment: Give a copy of Automatic
Payment form to applicant.
Guide: Provide applicants with the “Choosing a
Medigap Policy: A Guide to Health Insurance for
People with Medicare.”
Application and Commission
Processing Delays
Incorrect or incomplete information can cause
application processing and/or agent commissions to be
delayed. Some of the most common reasons are:
Enrollment Application
•Comments written outside of required areas on the
application, such as:
––N/A
––Please process ASAP
––Underlines, etc.
California
•Agent ID missing, illegible, or incorrect
•Missing AARP membership number
Other Required Information
•AARP membership application and dues are needed
but are not included with the enrollment application
•Replacement Notices
– Not included but are needed (replacing another
Medicare Supplement or Medicare Advantage plan)
– Included, but are not needed (e.g., applicants
turning age 65)
– Missing signature of applicant and/or producer
•First month premium check is not submitted with
the application
Note: Commissions may not be payable for disabled
applications and in certain other scenarios. Please
consult your contract paperwork.
Submitting Applications
Please mail all appropriate applications, checks
and forms in the postage-paid business reply
envelope included in the enrollment kit. If the
envelope is lost or misplaced, please mail to:
UnitedHealthcare Insurance Company
P.O. Box 105331
Atlanta, GA 30348-5331
To send overnight (packages must arrive by 9:00 a.m. to
be processed for that day):
UnitedHealthcare Enrollment Division
4868 GA Hwy. 85, Suite 100
Forest Park, GA 30297
Telephone: (404) 751-9906 (for delivery purposes only)
For questions, please call the Producer Help Desk at
1-888-381-8581.
Alternative methods
Fax, e-mail, telephonic and online enrollment processing
are currently not available.
25
Application
Replacement Notice: Provide applicants with a
copy of the Replacement Notice.
•Missing signatures of agent and/or applicant
Application
Processing
Once we receive an application, we immediately scan
it into our system. Typically, we process applications
within 7–10 business days; however, the process could
be quicker or slower depending on the completeness
and accuracy of the application and the level of
underwriting required.
Applicants must send their first month’s premium
with the application, and they must submit monthly
payments to sustain coverage. However, if they submit
an Automatic Payment form with the application, the
electronic withdrawal will be set up for the second
month’s payment and beyond.
Effective Dates
All applications for the plans listed in this
handbook must have an effective date of 6/1/2010
or later. All coverage is issued effective the first day
of the month and never before the Medicare Part B
effective date.
Processing
No Effective Date on Application
When no effective date is noted on the
application, coverage is generally effective the
first of the next month following the date the
application is received (as long as the applicant
is eligible on that date) and approved by
UnitedHealthcare Insurance Company.
Example: If an application is approved on 9/15,
the effective date will be 10/1.
Requested Effective Date
Applicants who would like to request a specific effective
date should fill out the “Requested Effective Date” box
on page 2 of the application. This date must be the 1st of
a month.
Applicants can choose to have an effective date up to
90 days after the application is received and approved.
26
Example: If the application is approved on 9/15, the
requested effective date can be as late as 12/1.
Enrollment applications mailed to UnitedHealthcare by
the last day of a month, with effective date noted for the
1st of the following month, will be given that effective
date assuming the application is complete, accurate and
approved.
Applicants Turning Age 65
Applicants who will become eligible for Medicare at age
65 can submit their application up to 90 days before
their 65th birthday month (for the coverage to become
effective in coordination with their Medicare effective
date). If we receive the application more than 90 days
before the 65th birthday month, we will hold it until the
effective date is within 90 days. All other applicants
must wait to apply within 90 days of the requested
effective date.
Note: We will not pay commissions until we process the
application and receive the premium.
Application Status
You may check the status of submitted
applications on the agent portal. Simply log
in and click on Manage Your Business and
then Applications and Enrollments. Search the
system by filling out the form and click Submit.
Click on the applicant’s name for the status of
their application.
Producers without Internet access can also contact
the Producer Help Desk for application status at
1-888-381-8581, Monday through Friday,
8:00 a.m. to 8:00 p.m. EST.
Billing Options
AARP Medicare Supplement members have the following
billing options:
1. Automatic Payment: Members may have their
monthly premiums automatically deducted from their
checking or savings account. This ensures that they
never forget a payment.
California
To put this payment method into effect, applicants
need to fill out an Automatic Payment form (included
in the enrollment kit). Applicants must keep a copy
of the completed Automatic Payment form. They
can submit the Automatic Payment form with the
application and a check for the first month’s premium.
Billing Procedures
If an application is submitted with an Automatic
Payment form but does not include a check for the
first month’s premium, the policy will be overdue until
the first month’s payment is submitted.
However, if two members in a household would like to
be billed separately, they must have separate AARP
membership numbers. Alternatively, if two individuals
in the household have individual AARP membership
numbers, billing can be combined, if requested.
Note: Commissions will be delayed until the first
month’s premium is paid in full.
Members will receive billing information for their
account. Two individuals in a household who share
an AARP membership number will receive one billing
statement for the household.
Example: An application is submitted with an
effective date of February 1 but no payment for the
first month’s premium. On March 5, the Automatic
Payment will process for one month’s premium only,
meaning the policy will be paid through February
only. On April 5, the Automatic Payment will draw one
month’s premium and apply it to March’s premium.
If an application is submitted with an Automatic
Payment form but includes a check with an amount
greater than the first month’s premium, the
difference will be applied to the next month’s premium.
Processing
Example: An application is submitted with an effective
date of April 1, and the first month’s premium is
overpaid by $15. On May 5, the Automatic Payment will
process for the May premium less $15. On June 5, the
Automatic Payment will process for full June premium.
Automatic Payment processing only occurs on the 5th
of each month.
2. Direct Bill/Coupon Booklet: Members may
write a check each month and send it by mail using
their coupon books, which they will receive after
they have enrolled. Checks must be made out to
“UnitedHealthcare Insurance Company.”
California
27
Producer
Compensation
We value our relationship with you and have developed
a compensation plan to reflect your efforts in selling
the AARP Medicare Supplement Insurance products.
Commissions are not payable for any unbilled or unpaid
months. You can find detailed information on the
compensation plan within the contract signed by you/
your company. Payments under the compensation plan
shall be made in compliance with applicable state laws
and regulations.
Commission Status — FMO and ICA
agents only
You can look up your commission status on the agent
portal. Once logged in, click on the Commission Status
tool and fill out the search fields. Commissions are
issued on paid sales only. If you have questions, please
contact the Producer Help Desk at 1-888-381-8581,
Monday through Friday, 8:00 a.m. to 8:00 p.m. EST.
Compensation
The following chart will assist in understanding the
internal codes:
Plan Code
Internal Code
A
A01
B
B01
C
C01
C - Select
CS1
F
F01
F - Select
FS1
K
K01
L
L01
N
N01
28
Additional Selling Opportunity
AARP MedicareRx plans, also insured by
UnitedHealthcare Insurance Company, complement
AARP Medicare Supplement Insurance Plans.
Beneficiaries who would like prescription drug coverage
should consider an AARP MedicareRx plan. Interested
beneficiaries should be sure they are applying within
an eligible enrollment period. More information can be
found at https://www.aarpmedicarerx.com/
Co-marketing materials promoting AARP Medicare
Supplement and AARP MedicareRx Plans are available in
the online sales toolkit.
Remember that AARP MedicareRx Plans are federally
regulated and subject to CMS guidelines for marketing
and sales events.
For example, if you plan to use the co-marketing
materials to generate leads and/or invite Medicare
beneficiaries to a seminar, please remember to use
the Scope of Appointment form for all appointments
and/or register your seminar.
You can find additional information on CMS guidelines on
the producer portal. After logging in, go to the Resource
Center and then Compliance Corner.
Don’t forget: To sell AARP MedicareRx, you must be
contracted and certified to offer the plans.
California
Member
Communications
Once individuals are enrolled in an AARP Medicare
Supplement Insurance Plan, they will receive various
communications throughout the year. Our goal is
to enhance the members’ experience by providing
meaningful and timely information. Here’s an overview of
the types of communications delivered:
• Welcome Materials — Contain the Certificate of
Insurance, Insurance ID Card, 30-day cancellation
policy and other helpful information about topics such
as services, claims and payments. For those who do
not sign up for automatic bank withdrawals at the time
of application, an Automatic Payment form will be
included in the Welcome Kit for those who wish to sign
up for Automatic Payments at a later date.
• Newsletter — A quarterly publication covering topics
such as healthy lifestyles and product information.
• Annual Rate Notification — Informs insured
members of their new rates for the coming year.
Generally, the annual rate notification is sent out in
the fall.
• Plan Review Kit — A handy reference piece with
product/plan specific information sent to insured
members annually in the 4th quarter. Other
communications may be sent, such as legally required
mailings, product changes and other retention-driven
mailings.
Contact Us
Questions?
Contact the Producer Help Desk (PHD).
E-mail:
phd@uhc.com
Please include your full name, writing number, contact
information and a brief description of your issue and
desired outcome.
Phone:
1-888-381-8581
Monday through Friday
8:00 a.m.–8:00 p.m. EST
Keep in mind that the Producer Help Desk cannot
provide premium rate quotes.
Member Customer Service
Members can call the Automated Customer Express
Line at 1-800-444-6544 for Service 24 hours a day,
where they can obtain payment and billing information;
claim information, like claim status and claim filing
instructions; order replacement items, such as payment
and claim envelopes; Automatic Payment enrollment
forms; and insurance ID cards. Representatives are
available weekdays from 7:00 a.m. to 11:00 p.m. and
Saturday 9:00 a.m. to 5:00 p.m. Eastern Time.
member comm /
contact
For Service related questions please call
1-800-523-5800.
For Claim related questions please call
1-800-523-5880.
California
29
Appendix I
Completing the Application: Medical Terms and Conditions Glossary
•This glossary has brief descriptions for terms and medical conditions that may be helpful for the applicant in
completing the application. It also includes other names that may be used for some medical conditions.
•Medical terms and conditions listed below generally appear in the order they appear on the application.
•The applicant is responsible for making sure that all answers to application questions are accurate and completed
in full.
•This glossary is provided for informational purposes ONLY. The applicant should consult his or her physician if they
need help answering medical questions on the application form.
Terms found on the application
What those terms generally mean
End Stage Renal (Kidney) Disease
(ESRD)
A complete or almost complete failure of the kidneys to function,
requiring dialysis or a kidney transplant to live.
Dialysis
A process of cleansing your blood by passing it through a machine
(hemodialysis), or putting special fluid into the abdominal cavity and
draining it out (peritoneal dialysis). This is necessary when the kidneys are
not able to filter blood.
Told you
You talked to a medical professional about:
• needing to go into the hospital as an inpatient and/or
• having surgery for
––organ transplant,
––back or spine,
––joint replacement,
–– cancer, or
Appendix
––heart or vascular condition (vascular has to do with the blood
vessels of the body)
30
California
Appendix II
Cover Page - Rates for California - Area 1
Non-Tobacco Monthly Plan Rates
AARP® Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company
Applies to individuals whose plan effective date will be within six years
following their 65th birthday or Medicare Part B effective date, if later.
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$100.80
$105.12
$109.44
$113.76
$118.08
$122.40
$126.72
$131.04
$135.36
$139.68
Standard Rates with Enrollment Discount for individuals ages 65-74
$134.92
$157.67
$158.37
$64.22
$93.62
$140.70
$164.43
$165.16
$66.97
$97.63
$146.49
$171.19
$171.95
$69.73
$101.65
$152.27
$177.94
$178.73
$72.48
$105.66
$158.05
$184.70
$185.52
$75.23
$109.67
$163.83
$191.46
$192.31
$77.98
$113.68
$169.62
$198.22
$199.10
$80.74
$117.70
$175.40
$204.97
$205.88
$83.49
$121.71
$181.18
$211.73
$212.67
$86.24
$125.72
$186.96
$218.49
$219.46
$88.99
$129.73
$105.17
$109.68
$114.19
$118.69
$123.20
$127.71
$132.22
$136.72
$141.23
$145.74
$144.00
Standard Rates for ages 75 and older
$225.25
$226.25
$91.75
$150.25
2
65
66
67
68
69
70
71
72
73
74
75+
$192.75
$133.75
Applies to individuals whose plan effective date will be between 6 years and less than
10 years following their 65th birthday or Medicare Part B effective date, if later.
Group 2
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$100.92
$147.12
$165.27
Level 1 Rates
$158.40
$212.02
$247.77
$248.87
Applies to individuals whose plan effective date will be 10 or more years
Group 3
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$114.68
$167.18
$187.81
Level 2 Rates
$180.00
$240.93
$281.56
$282.81
The rates above are for plan effective dates from January - December 2011.
Appendix
MRP0003
California
CAA 1/11
31
Tobacco Monthly Plan Rates
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
$148.41
$173.43
$174.20
$70.64
$102.98
$154.77
$180.87
$181.67
$73.67
$107.39
$161.13
$188.30
$189.14
$76.69
$111.81
$167.49
$195.73
$196.60
$79.72
$116.22
$173.85
$203.17
$204.07
$82.75
$120.63
$180.21
$210.60
$211.53
$85.78
$125.05
$186.57
$218.03
$219.00
$88.80
$129.46
$192.93
$225.47
$226.47
$91.83
$133.87
$199.29
$232.90
$233.93
$94.86
$138.29
$205.65
$240.33
$241.40
$97.89
$142.70
Plan N
2
$110.88
$115.63
$120.38
$125.13
$129.88
$134.64
$139.39
$144.14
$148.89
$153.64
65
66
67
68
69
70
71
72
73
74
$115.68
$120.64
$125.60
$130.56
$135.52
$140.47
$145.43
$150.39
$155.35
$160.31
$158.40
75+
$212.02
$247.77
$248.87
$100.92
$147.12
$165.27
Group 2
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$111.01
$161.83
$181.79
Level 1 Rates
$174.24
$233.22
$272.54
$273.75
Group 3
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$126.15
$183.90
$206.58
Level 2 Rates
$198.00
$265.02
$309.71
$311.08
Appendix
MRP0003
32
CAA 1/11
California
Under 65 Monthly Plan Rates
Applies to individuals under the age of 65 who are
eligible for Medicare by reason of disability
Group 4
Age1
50-64
Plan A
Plan B
$179.99
$240.92
Plan C
Plan F
Plan K
Non-Tobacco Rates
$281.55
$282.80
$114.67
Plan L
Plan N
N/A
N/A
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.
Appendix
MRP0003
California
CAA 1/11
33
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
2
65
66
67
68
69
70
71
72
73
74
$88.37
$92.16
$95.95
$99.73
$103.52
$107.31
$111.10
$114.88
$118.67
$122.46
$118.30
$123.37
$128.44
$133.51
$138.58
$143.65
$148.72
$153.79
$158.86
$163.93
$138.25
$144.17
$150.10
$156.02
$161.95
$167.87
$173.80
$179.72
$185.65
$191.57
$138.95
$144.90
$150.86
$156.81
$162.77
$168.72
$174.68
$180.63
$186.59
$192.54
$56.35
$58.76
$61.18
$63.59
$66.01
$68.42
$70.84
$73.25
$75.67
$78.08
$82.07
$85.59
$89.11
$92.62
$96.14
$99.66
$103.18
$106.69
$110.21
$113.73
$92.22
$96.17
$100.13
$104.08
$108.03
$111.98
$115.94
$119.89
$123.84
$127.79
$117.25
$131.75
75+
$126.25
$169.00
$197.50
$198.50
$80.50
Group 2
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$88.55
$128.97
$144.92
Level 1 Rates
$138.87
$185.90
$217.25
$218.35
Group 3
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$100.62
$146.56
$164.68
Level 2 Rates
$157.81
$211.25
$246.87
$248.12
Appendix
MRP0003
34
CAB 1/11
California
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
2
65
66
67
68
69
70
71
72
73
74
$97.20
$101.37
$105.54
$109.70
$113.87
$118.03
$122.20
$126.37
$130.53
$134.70
$130.13
$135.70
$141.28
$146.86
$152.43
$158.01
$163.59
$169.16
$174.74
$180.32
$152.07
$158.59
$165.11
$171.62
$178.14
$184.66
$191.18
$197.69
$204.21
$210.73
$152.84
$159.39
$165.94
$172.49
$179.04
$185.59
$192.14
$198.69
$205.24
$211.79
$61.98
$64.64
$67.29
$69.95
$72.61
$75.26
$77.92
$80.58
$83.23
$85.89
$90.27
$94.14
$98.01
$101.88
$105.75
$109.62
$113.49
$117.36
$121.23
$125.10
$101.44
$105.79
$110.13
$114.48
$118.83
$123.18
$127.52
$131.87
$136.22
$140.57
$128.97
$144.92
75+
$138.87
$185.90
$217.25
$218.35
$88.55
Group 2
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$97.40
$141.86
$159.41
Level 1 Rates
$152.75
$204.49
$238.97
$240.18
Group 3
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$110.68
$161.21
$181.15
Level 2 Rates
$173.58
$232.37
$271.56
$272.93
Appendix
MRP0003
California
CAB 1/11
35
Group 4
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
Non-Tobacco Rates
50-64
$157.80
$211.24
$246.86
$248.11
$100.61
N/A
N/A
Appendix
MRP0003
36
CAB 1/11
California
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$81.37
$84.86
$88.35
$91.83
$95.32
$98.81
$102.30
$105.78
$109.27
$112.76
$108.85
$127.22
$127.75
$51.80
$75.42
$113.51
$132.67
$133.22
$54.02
$78.65
$118.18
$138.13
$138.70
$56.24
$81.89
$122.84
$143.58
$144.17
$58.46
$85.12
$127.51
$149.03
$149.65
$60.68
$88.35
$132.17
$154.48
$155.12
$62.90
$91.58
$136.84
$159.94
$160.60
$65.12
$94.82
$141.50
$165.39
$166.07
$67.34
$98.05
$146.17
$170.84
$171.55
$69.56
$101.28
$150.83
$176.29
$177.02
$71.78
$104.51
$84.87
$88.51
$92.15
$95.78
$99.42
$103.06
$106.70
$110.33
$113.97
$117.61
$116.25
$181.75
$182.50
$74.00
$121.25
2
65
66
67
68
69
70
71
72
73
74
75+
Group 2
Plan A
$155.50
$107.75
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$81.40
$118.52
$133.37
Level 1 Rates
$127.87
$171.05
$200.75
Group 3
Plan A
$199.92
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$92.50
$134.68
$151.56
Level 2 Rates
$145.31
$194.37
$227.18
$228.12
Appendix
MRP0003
California
CAC 1/11
37
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$119.73
$139.94
$140.52
$56.98
$82.96
$124.86
$145.94
$146.54
$59.42
$86.51
$129.99
$151.93
$152.57
$61.86
$90.07
$135.12
$157.93
$158.59
$64.30
$93.63
$140.26
$163.93
$164.61
$66.74
$97.18
$145.39
$169.93
$170.63
$69.19
$100.74
$150.52
$175.92
$176.66
$71.63
$104.29
$155.65
$181.92
$182.68
$74.07
$107.85
$160.78
$187.92
$188.70
$76.51
$111.40
$165.91
$193.92
$194.72
$78.95
$114.96
2
65
66
67
68
69
70
71
72
73
74
$89.50
$93.34
$97.18
$101.01
$104.85
$108.68
$112.52
$116.36
$120.19
$124.03
$93.35
$97.36
$101.36
$105.36
$109.36
$113.36
$117.36
$121.36
$125.36
$129.36
$127.87
75+
$171.05
$199.92
$200.75
$81.40
$118.52
$133.37
Group 2
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$89.54
$130.37
$146.70
Level 1 Rates
$140.65
$188.15
$219.91
$220.82
Group 3
Plan B
Plan A
Plan C
Plan F
Plan K
Plan L
Plan N
$101.75
$148.15
$166.71
Level 2 Rates
$159.83
$213.81
$249.90
$250.93
Appendix
MRP0003
38
CAC 1/11
California
Group 4
Age1
50-64
Plan A
$145.30
Plan B
Plan C
Plan F
Plan K
$194.36
Non-Tobacco Rates
$227.17
$228.11
$92.49
Plan L
Plan N
N/A
N/A
Appendix
MRP0003
California
CAC 1/11
39
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$73.32
$76.46
$79.61
$82.75
$85.89
$89.03
$92.18
$95.32
$98.46
$101.60
$98.17
$114.80
$115.32
$46.72
$68.07
$102.38
$119.72
$120.26
$48.72
$70.99
$106.59
$124.64
$125.21
$50.73
$73.91
$110.79
$129.56
$130.15
$52.73
$76.82
$115.00
$134.48
$135.09
$54.73
$79.74
$119.21
$139.40
$140.03
$56.73
$82.66
$123.42
$144.32
$144.98
$58.74
$85.58
$127.62
$149.24
$149.92
$60.74
$88.49
$131.83
$154.16
$154.86
$62.74
$91.41
$136.04
$159.08
$159.80
$64.74
$94.33
$76.47
$79.75
$83.03
$86.30
$89.58
$92.86
$96.14
$99.41
$102.69
$105.97
$104.75
$164.00
$164.75
$66.75
$109.25
2
65
66
67
68
69
70
71
72
73
74
75+
$140.25
$97.25
Group 2
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$73.42
$106.97
$120.17
Level 1 Rates
$115.22
$154.27
$180.40
$181.22
Group 3
Plan A
Plan B
$130.93
$175.31
Plan C
Plan F
Level 2 Rates
$205.00
$205.93
Plan K
Plan L
Plan N
$83.43
$121.56
$136.56
Appendix
MRP0003
40
CAD 1-11
California
Group 1
Age1
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$80.65
$84.11
$87.56
$91.02
$94.48
$97.93
$101.39
$104.85
$108.30
$111.76
$107.98
$126.28
$126.85
$51.39
$74.87
$112.61
$131.69
$132.29
$53.59
$78.08
$117.24
$137.10
$137.72
$55.79
$81.29
$121.87
$142.51
$143.16
$58.00
$84.50
$126.50
$147.92
$148.60
$60.20
$87.71
$131.12
$153.34
$154.03
$62.40
$90.92
$135.75
$158.75
$159.47
$64.60
$94.13
$140.38
$164.16
$164.91
$66.81
$97.34
$145.01
$169.57
$170.34
$69.01
$100.55
$149.64
$174.98
$175.78
$71.21
$103.76
$84.11
$87.72
$91.32
$94.93
$98.53
$102.14
$105.74
$109.35
$112.95
$116.56
$115.22
$180.40
$181.22
$73.42
$120.17
2
65
66
67
68
69
70
71
72
73
74
75+
$154.27
$106.97
Group 2
Plan A
Plan B
Plan C
Plan F
Plan K
Plan L
Plan N
$80.76
$117.66
$132.18
Level 1 Rates
$126.74
$169.69
$198.44
$199.34
Group 3
Plan A
Plan B
$144.02
$192.83
Plan C
Plan F
Level 2 Rates
$225.50
$226.52
Plan K
Plan L
Plan N
$91.77
$133.71
$150.21
Appendix
MRP0003
California
CAD 1-11
41
Group 4
Age1
50-64
Plan A
$130.92
Plan B
$175.30
Plan C
Plan F
Plan K
Non-Tobacco Rates
$204.99
$205.92
$83.42
Plan L
Plan N
N/A
N/A
Appendix
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.
MRP0003
42
CAD 1-11
California
Appendix III California - Zip Code Directory for Area Rating
CALIFORNIA Area 1 ZIP Codes, Effective August 1, 2010
The ZIP Codes Below Apply to Rates Included on the Page Headed “Cover Page – Rates”
90046
90047
90048
90049
90050
90051
90052
90053
90054
90055
90056
90057
90058
90059
90060
90061
90062
90063
90064
90065
90066
90067
90068
90069
90070
90071
90072
90073
90074
90075
90076
90077
90078
90079
90080
90081
90082
90083
90084
90086
90087
90088
90089
90091
90093
90094
90095
90096
90099
90101
90103
90189
90201
90202
90209
90210
90211
90212
90213
90220
90221
90222
90223
90224
90230
90231
90232
90233
90239
90240
90241
90242
90245
90247
90248
90249
90250
90251
90254
90255
90260
90261
90262
90263
90264
90265
90266
90267
90270
90272
SA5073 CA (8-10)
California
90274
90275
90277
90278
90280
90290
90291
90292
90293
90294
90295
90296
90301
90302
90303
90304
90305
90306
90307
90308
90309
90310
90311
90312
90401
90402
90403
90404
90405
90406
90407
90408
90409
90410
90411
90501
90502
90503
90504
90505
90506
90507
90508
90509
90510
90601
90602
90603
90604
90605
90606
90607
90608
90609
90610
90620
90621
90622
90623
90624
90630
90631
90632
90633
90637
90638
90639
90640
90650
90651
90652
90660
90661
90662
90670
90671
90680
90701
90702
90703
90704
90706
90707
90710
90711
90712
90713
90714
90715
90716
90717
90720
90721
90723
90731
90732
90733
90734
90740
90742
90743
90744
90745
90746
90747
90748
90749
90755
90801
90802
90803
90804
90805
90806
90807
90808
90809
90810
90813
90814
90815
90822
90831
90832
90833
90834
90835
90840
90842
90844
90846
90847
90848
90853
90895
90899
91001
91003
91006
91007
91008
91009
91010
91011
91012
91016
91017
91020
91021
91023
91024
91025
91030
91031
91040
91041
91042
91043
91046
91066
91077
91101
91102
91103
91104
91105
91106
91107
91108
91109
91110
91114
91115
91116
91117
91118
91121
91123
91124
91125
91126
91129
91182
91184
91185
91188
91189
91199
91201
91202
91203
91204
91205
91206
91207
91208
91209
91210
91214
91221
91222
91224
91225
91226
91301
91302
91303
91304
91305
91306
91307
91308
91309
91310
91311
91313
91316
91321
91322
91324
91325
91326
91327
91328
91329
91330
91331
91333
91334
91335
91337
91340
91341
91342
91343
91344
91345
91346
91350
91351
91352
91353
91354
91355
91356
91357
91364
91365
91367
91371
91372
91376
91380
91381
91382
91383
91384
91385
91386
91387
91390
91392
91393
91394
91395
91396
91401
91402
91403
91404
91405
91406
91407
91408
91409
91410
91411
91412
91413
91416
91423
91426
91436
91470
91482
91495
91496
91499
91501
91502
91503
91504
91505
91506
91507
91508
91510
91521
91522
91523
91526
91601
91602
91603
91604
91605
91606
91607
91608
91609
91610
91611
91612
91614
91615
91616
91617
91618
91702
91706
91711
91714
91715
91716
91722
91723
91724
91731
91732
91733
91734
91735
91740
91741
91744
91745
91746
91747
91748
91749
91750
91754
91755
91756
91759
91765
91766
91767
91768
91769
91770
91771
91772
91773
91775
91776
91778
91780
91788
91789
91790
91791
91792
91793
91795
91797
91801
91802
91803
91804
91896
91899
92602
92603
92604
92605
92606
92607
92609
92610
92612
92614
92615
92616
92617
92618
92619
92620
92623
92624
92625
92626
92627
92628
92629
92630
92637
92646
92647
92648
92649
92650
92651
92652
92653
Appendix
90001
90002
90003
90004
90005
90006
90007
90008
90009
90010
90011
90012
90013
90014
90015
90016
90017
90018
90019
90020
90021
90022
90023
90024
90025
90026
90027
90028
90029
90030
90031
90032
90033
90034
90035
90036
90037
90038
90039
90040
90041
90042
90043
90044
90045
Page 1 of 2 u
43
CALIFORNIA Area 1 ZIP Codes CONTINUED
Appendix
92654
92655
92656
92657
92658
92659
92660
92661
92662
92663
92672
92673
92674
92675
92676
92677
92678
92679
92683
92684
92685
92688
92690
92691
92692
92693
92694
92697
92698
92701
92702
92703
92704
92705
92706
92707
92708
92711
92712
92725
92728
92735
92780
92781
92782
92799
92801
92802
92803
92804
92805
92806
92807
92808
92809
92811
92812
92814
92815
92816
92817
92821
92822
92823
92825
92831
92832
92833
92834
92835
92836
92837
92838
92840
92841
92842
92843
92844
92845
92846
92850
92856
92857
92859
92861
92862
92863
92864
92865
92866
92867
92868
92869
92870
92871
92885
92886
92887
92899
93510
93532
93534
93535
93536
93539
93543
93544
93550
93551
93552
93553
93563
93584
93586
93590
93591
93599
Page 2 of 2
44
California
91979
91980
91987
92003
92004
92007
92008
92009
92010
92011
92013
92014
92018
92019
92020
92021
92022
92023
92024
92025
92026
92027
92028
92029
92030
92033
92036
92037
92038
92039
92040
92046
92049
92051
92052
92054
92055
92056
92057
92058
92059
92060
92061
92064
92065
92066
92067
92068
92069
92070
92071
92072
92074
92075
92078
92079
92081
92082
92083
92084
92085
92086
92088
92091
92092
92093
92096
92101
92102
92103
92104
92105
92106
92107
92108
92109
92110
92111
92112
92113
92114
92115
92116
92117
92118
92119
92120
92121
92122
92123
SA5073 CB (8-10)
California
92124
92126
92127
92128
92129
92130
92131
92132
92134
92135
92136
92137
92138
92139
92140
92142
92143
92145
92147
92149
92150
92152
92153
92154
92155
92158
92159
92160
92161
92162
92163
92164
92165
92166
92167
92168
92169
92170
92171
92172
92173
92174
92175
92176
92177
92178
92179
92182
92184
92186
92187
92190
92191
92192
92193
92194
92195
92196
92197
92198
92199
92201
92202
92203
92210
92211
92220
92222
92223
92225
92226
92227
92230
92231
92232
92233
92234
92235
92236
92239
92240
92241
92243
92244
92247
92248
92249
92250
92251
92253
92254
92255
92257
92258
92259
92260
92261
92262
92263
92264
92266
92270
92273
92274
92275
92276
92281
92282
92283
92292
92320
92501
92502
92503
92504
92505
92506
92507
92508
92509
92513
92514
92515
92516
92517
92518
92519
92521
92522
92530
92531
92532
92536
92539
92543
92544
92545
92546
92548
92549
92551
92552
92553
92554
92555
92556
92557
92561
92562
92563
92564
92567
92570
92571
92572
92581
92582
92583
92584
92585
92586
92587
92589
92590
92591
92592
92593
92595
92596
92599
92860
92877
92878
92879
92880
92881
92882
92883
93001
93002
93003
93004
93005
93006
93007
93009
93010
93011
93012
93015
93016
93020
93021
93022
93023
93024
93030
93031
93032
93033
93034
93035
93036
93040
93041
93042
93043
93044
93060
93061
93062
93063
93064
93065
93066
93094
93099
Appendix
91319
91320
91358
91359
91360
91361
91362
91377
91752
91901
91902
91903
91905
91906
91908
91909
91910
91911
91912
91913
91914
91915
91916
91917
91921
91931
91932
91933
91934
91935
91941
91942
91943
91944
91945
91946
91947
91948
91950
91951
91962
91963
91976
91977
91978
Page 1 of 1
45
Appendix
91701
91708
91709
91710
91729
91730
91737
91739
91743
91758
91761
91762
91763
91764
91784
91785
91786
92242
92252
92256
92267
92268
92277
92278
92280
92284
92285
92286
92301
92304
92305
92307
92308
92309
92310
92311
92312
92313
92314
92315
92316
92317
92318
92321
92322
92323
92324
92325
92326
92327
92329
92331
92332
92333
92334
92335
92336
92337
92338
92339
92340
92341
92342
92344
92345
92346
92347
92350
92352
92354
92356
92357
92358
92359
92363
92364
92365
92366
92368
92369
92371
92372
92373
92374
92375
92376
92377
92378
92382
92385
92386
92391
92392
92393
92394
92395
92397
92398
92399
92401
92402
92403
92404
92405
92406
92407
92408
92410
92411
92412
92413
92414
92415
92418
92423
92424
92427
93013
93014
93067
93101
93102
93103
93105
93106
93107
93108
93109
93110
93111
93116
93117
93118
93120
93121
93130
93140
93150
93160
93190
93199
93203
93205
93206
93215
93216
93220
93222
93224
93225
93226
93238
93240
93241
93243
93249
93250
93251
93252
93254
93255
93263
93268
93276
93280
93283
93285
93287
93301
93302
93303
93304
93305
93306
93307
93308
93309
93311
93312
93313
93314
93380
93383
93384
93385
93386
93387
93388
93389
93390
93401
93402
93403
93405
93406
93407
93408
93409
93410
93412
93420
93421
93422
93423
93424
93427
93428
93429
93430
93432
93433
93434
93435
93436
93437
93438
93440
93441
93442
93443
93444
93445
93446
93447
93448
93449
93451
93452
93453
93454
93455
93456
93457
93458
93460
93461
93463
93464
93465
93475
93483
93501
93502
93504
93505
93516
93518
93519
93523
93524
93527
93528
93531
93554
93555
93556
93558
93560
93561
93562
93581
93592
93596
94002
94005
94010
94011
94014
94015
94016
94017
94018
94019
94020
94021
94025
94026
94027
94028
94030
94037
94038
94044
94060
94061
94062
94063
94064
94065
94066
94070
94074
94080
94083
94101
94102
94103
94104
94105
94107
94108
94109
94110
94111
94112
94114
94115
94116
94117
94118
94119
94120
94121
94122
94123
94124
94125
94126
94127
94128
94129
94130
94131
94132
94133
94134
94137
94139
94140
94141
94142
94143
94144
94145
94146
94147
94151
94153
94154
94156
94158
94159
94160
94161
94162
94163
94164
94171
94172
94177
94188
94199
94203
94204
94205
94206
94207
94208
94209
94211
94229
94230
94232
94234
94235
94236
94237
94239
94240
94244
94245
94246
94247
94248
94249
94250
94252
94254
94256
94257
94258
94259
94261
94262
94263
94267
94268
94269
94271
94273
94274
94277
94278
94279
94280
94282
94283
94284
94285
94286
94287
94288
94289
94290
94291
94293
94294
94295
94296
94297
94298
94299
94303
94401
94402
94403
94404
94497
94501
94502
94503
94505
94506
94507
94508
94509
94511
94513
94514
94515
94516
94517
94518
94519
94520
94521
94522
94523
94524
94525
94526
94527
94528
94529
94530
94531
94536
94537
94538
94539
SA5073 CC (8-10)
46
94540
94541
94542
94543
94544
94545
94546
94547
94548
94549
94550
94551
94552
94553
94555
94556
94557
94558
94559
94560
94561
94562
94563
94564
94565
94566
94567
94568
94569
94570
94572
94573
94574
94575
94576
94577
94578
94579
94580
94581
94582
94583
94586
94587
94588
94595
94596
94597
94598
94599
94601
94602
94603
94604
94605
94606
94607
94608
94609
94610
94611
94612
94613
94614
94615
94617
94618
94619
94620
94621
94622
94623
94624
94649
94659
94660
94661
94662
94666
94701
94702
94703
94704
94705
94706
94707
94708
94709
94710
94712
Page 1 of 2 u
California
95337
95366
95376
95377
95378
95385
95391
95422
95423
95424
95426
95435
95443
95451
95453
95457
95458
95461
95464
95467
95485
95493
95608
95609
95610
95611
95615
95621
95624
95626
95628
95630
95632
95638
95639
95641
95652
95655
95660
95662
95670
95671
95673
95680
95683
95686
95690
95693
95741
95742
95757
95758
95759
95763
95811
95812
95813
95814
95815
95816
95817
95818
95819
95820
95821
95822
95823
95824
95825
95826
95827
95828
95829
95830
95831
95832
95833
95834
95835
95836
95837
95838
95840
95841
95842
95843
95851
95852
95853
95860
95864
95865
95866
95867
95887
95894
95899
Appendix
94720
94801
94802
94803
94804
94805
94806
94807
94808
94820
94850
95201
95202
95203
95204
95205
95206
95207
95208
95209
95210
95211
95212
95213
95215
95219
95220
95227
95230
95231
95234
95236
95237
95240
95241
95242
95253
95258
95267
95269
95296
95297
95304
95320
95330
95336
Page 2 of 2
California
47
Appendix
92328
92384
92389
93201
93202
93204
93207
93208
93210
93212
93218
93219
93221
93223
93227
93230
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93247
93256
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93426
93450
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93844
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93960
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94022
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94301
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94510
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95101
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95190
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95225
95226
95228
95229
95232
95233
95245
95246
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95248
95249
95250
95251
95252
95254
95255
95257
95301
95303
95305
95306
95307
95309
95310
95311
95312
95313
95314
SA5073 CD (8-10)
48
95315
95316
95317
95318
95319
95321
95322
95323
95324
95325
95326
95327
95328
95329
95333
95334
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95401
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95409
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95412
95415
95416
95417
95418
95419
95420
95421
95425
95427
95428
95429
95430
95431
95432
95433
95436
95437
95439
95441
95442
95444
95445
Page 1 of 2 u
California
95536
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95549
95550
95551
95552
95553
95554
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95571
95573
95585
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95606
95607
95612
95613
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95616
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95620
95623
95625
95627
95629
95631
95633
95634
95635
95636
95637
95640
95642
95644
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95651
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95656
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95664
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95688
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95695
95696
95697
95698
95699
95701
95703
95709
95712
95713
95714
95715
95717
95720
95721
95722
95724
95726
95728
95735
95736
95746
95747
95762
95765
95776
95798
95799
95901
95903
95910
95912
95913
95914
95915
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95917
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95923
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95941
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95950
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95953
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95958
95959
95960
95961
95962
95963
95965
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95970
95971
95972
95973
95974
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95976
95977
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95979
95980
95981
95982
95983
95984
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95987
95988
95991
95992
95993
96001
96002
96003
96006
96007
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96014
96015
96016
96017
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96020
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96023
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96037
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96039
96040
96041
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96051
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96055
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96057
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96074
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96076
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96079
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96084
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96091
96092
96093
96094
96095
96096
96097
96099
96101
96103
96104
96105
96106
96107
96108
96109
96110
96111
96112
96113
96114
96115
96116
96117
96118
96119
96120
96121
96122
96123
96124
96125
96126
96127
96128
96129
96130
96132
96133
96134
96135
96136
96137
96140
96141
96142
96143
96145
96146
96148
96150
96151
96152
96154
96155
96156
96157
96158
96160
96161
96162
Appendix
95446
95448
95449
95450
95452
95454
95456
95459
95460
95462
95463
95465
95466
95468
95469
95470
95471
95472
95473
95476
95480
95481
95482
95486
95487
95488
95490
95492
95494
95497
95501
95502
95503
95511
95514
95518
95519
95521
95524
95525
95526
95527
95528
95531
95532
95534
Page 2 of 2
California
49
Questions?
Contact the Producer Help Desk (PHD).
Phone:
1-888-381-8581
Monday through Friday
8:00 a.m.–8:00 p.m. EST
E-mail:
phd@uhc.com
AARP and its affiliate are not insurance agencies or carriers and do not employ or
endorse insurance agents, brokers, producers, representatives or advisors.
A UnitedHealthcare Medicare Solution