Medicare Supplement Plans - UnitedHealthcare MedicareRx for ...

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 


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

Introduction 

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) 

inTroduction 

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. 


This information applies for plan effective dates of January 1, 2011 - December 1, 2011 1

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. 

• 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. 

2 This information applies for plan effective dates of January 1, 2011 - December 1, 2011 California

What is a Medicare Supplement Plan? 

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 

• 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 





Basic Medicare Supplement Benefits 

• Hospitalization: Part A coinsurance plus coverage for 

365 days after Medicare Benefits end 

• 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 

• Blood: First three pints of blood each year 

• 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 

Medicare Part A Coinsurance 

and Hospital Benefits 

Medicare Part A Deductible — 50% 75% 50% 

Medicare Part B Coinsurance 

or Copayment 

50% 75% Copay 1 

Medicare Part B Deductible — — — — — — — — 

Medicare Part B Excess 

Charges 

— — — — — — — — 

Blood (First Three Pints) 50% 75% 

Foreign Travel Emergency 

(up to plan limit) 2 — — — — 

Hospice Care Coinsurance or 

Copayment 

50% 75% 

Preventive Care Coinsurance 

Skilled Nursing Facility 

Coinsurance 

— — 50% 75% 

2011 out-of-pocket limit 

(plans K and L only) 3 $4,640 $2,320 

1 

Plan pays Part B coinsurance or copayment except for an insured copay of up to $20 for each doctor’s office 

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 

The 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. 


AARP Medicare 

Supplement 

Insurance 

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 ṢM 

Nurse HealthLine offers: 

AARP Med Supp 

Plan Highlights 

• Low, stable annual rate increases averaging approximately 

5.5 percent nationally over the last 5 years 1 

• 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) 

• Treatment decision support 

• Information on doctors and hospitals 

• 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. 

1 

The 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. 



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). 

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 

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: 

• Online at www.aarppharmacycatalog.com 

• By calling toll-free at 1-866-202-4020 

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. 

*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. 


SilverSneakers Fitness Program 

The program is currently available in the following states: 

Arkansas 

Georgia 

Nebraska 

Texas 

Arizona 

Colorado 

Connecticut 

District of Columbia 

Illinois 

Indiana 

Kentucky 

Michigan 

North Carolina 

Ohio 

Oklahoma 

Tennessee 

Utah 

Wisconsin 

AARP Med Supp 

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. 

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. 

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 



Eligibility 

Eligibility – 


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 

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. 

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.) 

• 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 

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. 


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: 

• 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). 

• 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. 

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. 

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: 

Eligibility 

• 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. 

Enrollment applications may be submitted up to three 

months prior to the start of Open Enrollment. 

· 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. 

Open Enrollment — Other Information 

Plan Availability 

Pre-Existing Conditions Exclusion 

Underwriting 

Age 65 & older Plans A, B, C, F, K, L, and N 

Age 50-64 Plans A, B, C, F, and K † 

None 

None 

† 

Beneficiaries under 65 eligible for Medicare due to End Stage Renal Disease are not eligible to enroll in an AARP 

Medicare Supplement Insurance Plan, except during Birthday Open Enrollment. 



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 

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. 

Application Requirements 

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 

Pre-Existing Conditions Exclusion 

Underwriting 

Age 65 & older 

Plans A, B, C, F, K, L, and N 

Age 50-64 Plans A, B, C, F, and K †† 

10 This information applies for plan effective dates of January 1, 2011 - December 1, 2011 California 

None 

None 

†† 

Beneficiaries under 65 eligible for Medicare due to End Stage Renal Disease are not eligible to enroll in an AARP 

Medicare Supplement Insurance Plan, except during Birthday Open Enrollment.

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. 

What Plans Are Available? 

When Are Plans Available? 

A, B, C, F, K, L, and N 

Year round 

Are Plans Underwritten? 

Medicare beneficiaries age 50-64 

Yes, unless the beneficiary qualifies for Open Enrollment or Guaranteed Issue 

Eligibility 

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 

Medicare Supplement Insurance Plan, except during Birthday Open Enrollment. 



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: 

Underwriting 1 

Time since 65th birthday or Medicare Part B Effective Date, if later 

0 to < 7 months 7 months to < 6 years 6 years to < 10 years 10 years or more 

No Underwriting 

Eligibility Underwriting 2 

Open Enrollment Period 

Rate 3 Standard Rate with Enrollment Discount 4 Level 1 Rate Level 2 Rate 

Rate Group 

(see Appendix II) 

Group 1 Group 2 Group 3 

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 


Enrollment Discount* 

The Enrollment Discount is available to applicants age 65 and over only. 

Eligibility 

Applicants are eligible for the Enrollment Discount if their 

age on their plan effective date is: 

• 65 to 70, OR 

• 71 to 74 AND their plan effective date is within 6 years 

of their Medicare Part B effective date 

Discount Percentage and Duration 

• If applicants are eligible for the Enrollment Discount, 

the discount percentage is applied to the standard rate. 

• The first-year discount percentage and the duration of 

the discount program will vary based on applicants’ age 

as of the plan effective date (see table below). 

Applicants age 75 and over are not eligible for the 

Enrollment Discount. 

Enrollment Discount — Discount Percentages and Duration 

• 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. 


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. 



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. 

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 

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). 

Refer to Appendix III for lists of ZIP Codes applicable to 

each area. 

Tobacco Use 

Rate Guarantee 

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. 

Rate Changes 

UnitedHealthcare’s monthly premium generally changes 

once a year. However, enrolled members may see their 

premium change at other times due to: 

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. 

• the Enrollment Discount changing on their policy 

anniversary 

• rate guarantee ending, or 

• moving into a different area or state 


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: 

––End Stage Renal Disease (ESRD) 

––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. 

• 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. 

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. 




Medicare Beneficiaries Age 50 to 64 

Underwriting and Rate Summary 


The following chart provides a summary of the underwriting requirements and the applicable rate: 

Underwriting 

Rate 2 

Rate Group 

(see Appendix II) 

Time since Medicare Part B Effective Date 

0 to < 7 months 7 months or more 

ESRD Eligibility Question 1 

Open Enrollment Period 

ESRD Eligibility Question 1 

(Plans are only available to applicants who meet guaranteed 

issue or other open enrollment period requirements) 

Disabled Rate 

Group 4 

1 

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. 

2 

Refer to Appendix II for rates. 

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. 


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). 

Refer to Appendix III for lists of ZIP Codes applicable to 

each area. 

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. 

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. 

Rate Changes 

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 

• 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. 



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 

• Plan Availability 

• Open Enrollment and Guaranteed Issue 

• Underwriting and Rates 

Medicare Beneficiaries 65 and Older 

Preliminary Quote 

1 

2 

3 

4 

5 

Enrollment 

Time 

Guaranteed 

Issue 

Underwriting 

Eligibility 

Determine 

Rate 

Determine 

Area 

6 Rate Quote 

7 Disclaimer 

a. First day of 65th Birthday month or Medicare Part B effective date, if later: / 1 / 

b. AARP Medicare Supplement plan effective date / 1 / 

c. Elapsed time (# months between a and b) 

If c is less than 7 months, go to Step 4 

Does the applicant meet Guaranteed Issue Requirements? 

If yes, go to Step 4 

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 

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. 

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. 

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: 

“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.” 


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 

5/1/2010 or prior 

Underwriting Requirements 

Same as new sales 

(refer to Underwriting and Rate 

Summary Chart) 

Rating Requirements 

Same as new sales 

(refer to Underwriting and Rate 

Summary Chart) 

6/1/2010 or later None 1 Same rate level as current plan 2,3 

1 

Applicants do not need to answer health questions in sections 5 or 6 on the enrollment application. 

2 

Discounts for which the applicant is currently eligible will continue to apply, assuming no other changes have 

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. 

Preliminary Quote 



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. 

• 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: 

Marketing 

Enrollment kits 

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. 

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. 

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 

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. 


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. 

The following guidelines apply when using AARP 

Medicare Supplement marketing pieces: 

• Use only approved pieces. 

Marketing 

• 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. 



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: 

Marketing 

Level 1 

Level 2 

Materials 

• Enrollment materials 

• Sales presentation 

• Prospecting materials 

––flyers 

––ads 

––mailers 

• Leave-behinds such as brochures and fact sheets 

Materials may include items such as: 

• Letter of introduction 

• Business cards 

• A2O brochure 

Availability 

Available to all agents who have completed the 

A2O Level 1 requirements: 

• Quality Production Minimums (QPMs) 

• AARP 101 (Orientation) Training Course 

• UnitedHealthcare Medicare Solutions 

Required Training 

• Community Service Attestation 

Available to those agents who have: 

• Completed the A2O Level 1 requirements 

noted above 

• 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. 

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. 


Enrolling 

Applicants 

Enrollment Kits 

Enrollment Material 

 

OA25080ST 

 

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 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. 

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. 

• Confirm the beneficiary is an AARP member 

• 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. 

Application 

Prior to filling out the application, you should: 

• Confirm the beneficiary is enrolled in Medicare Part A 

and Part B 



Application 

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. 

Enrollment Checklist 

To ensure prompt and accurate processing of a 

beneficiary’s application, please ensure the following: 

Enrollment 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 and dates 

Applicant’s 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. 

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 

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 


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.) 

Make checks payable to UnitedHealthcare 

Insurance Company. 

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. 

Replacement Notice: Provide applicants with a 

copy of the Replacement Notice. 

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. 

• Missing signatures of agent and/or applicant 

• 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. 

Application 



Processing 

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. 

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 

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 

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. 

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. 


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. 

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. 

Note: Commissions will be delayed until the first 

month’s premium is paid in full. 

Billing Procedures 

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. 

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. 

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. 

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. 

Processing 

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.” 



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. 

The following chart will assist in understanding the 

internal codes: 

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. 

Compensation 

Plan Code 

A 

B 

C 

C - Select 

F 

F - Select 

K 

L 

N 

Internal Code 

A01 

B01 

C01 

CS1 

F01 

FS1 

K01 

L01 

N01 

Don’t forget: To sell AARP MedicareRx, you must be 

contracted and certified to offer the plans. 


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. 

For Service related questions please call 

1-800-523-5800. 

For Claim related questions please call 

1-800-523-5880. 

member comm / 

contact 



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 

End Stage Renal (Kidney) Disease 

(ESRD) 

What those terms generally mean 

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 

––heart or vascular condition (vascular has to do with the blood 

vessels of the body) 

Appendix 


Appendix II 

Cover Page - Rates for California - Area 1 

Non-Tobacco Monthly Plan Rates 

AARP ® Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company 

Group 1 

Applies to individuals whose plan effective date will be within six years 

following their 65th birthday or Medicare Part B effective date, if later. 

Age 1 Plan A Plan B Plan C Plan F Plan K Plan L Plan N 

Standard Rates with Enrollment Discount 2 for individuals ages 65-74 

65 $100.80 $134.92 $157.67 $158.37 $64.22 $93.62 $105.17 

66 $105.12 $140.70 $164.43 $165.16 $66.97 $97.63 $109.68 

67 $109.44 $146.49 $171.19 $171.95 $69.73 $101.65 $114.19 

68 $113.76 $152.27 $177.94 $178.73 $72.48 $105.66 $118.69 

69 $118.08 $158.05 $184.70 $185.52 $75.23 $109.67 $123.20 

70 $122.40 $163.83 $191.46 $192.31 $77.98 $113.68 $127.71 

71 $126.72 $169.62 $198.22 $199.10 $80.74 $117.70 $132.22 

72 $131.04 $175.40 $204.97 $205.88 $83.49 $121.71 $136.72 

73 $135.36 $181.18 $211.73 $212.67 $86.24 $125.72 $141.23 

74 $139.68 $186.96 $218.49 $219.46 $88.99 $129.73 $145.74 

Standard Rates for ages 75 and older 

75+ $144.00 $192.75 $225.25 $226.25 $91.75 $133.75 $150.25 

Group 2 

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. 

Plan A Plan B Plan C Plan F Plan K Plan L Plan N 

Level 1 Rates 

$158.40 $212.02 $247.77 $248.87 $100.92 $147.12 $165.27 

Group 3 

Applies to individuals whose plan effective date will be 10 or more years 



Level 2 Rates 

$180.00 $240.93 $281.56 $282.81 $114.68 $167.18 $187.81 

The rates above are for plan effective dates from January - December 2011. 

Appendix 

MRP0003 CAA 1/11 




Tobacco Monthly Plan Rates 


Group 1 





65 $110.88 $148.41 $173.43 $174.20 $70.64 $102.98 $115.68 

66 $115.63 $154.77 $180.87 $181.67 $73.67 $107.39 $120.64 

67 $120.38 $161.13 $188.30 $189.14 $76.69 $111.81 $125.60 

68 $125.13 $167.49 $195.73 $196.60 $79.72 $116.22 $130.56 

69 $129.88 $173.85 $203.17 $204.07 $82.75 $120.63 $135.52 

70 $134.64 $180.21 $210.60 $211.53 $85.78 $125.05 $140.47 

71 $139.39 $186.57 $218.03 $219.00 $88.80 $129.46 $145.43 

72 $144.14 $192.93 $225.47 $226.47 $91.83 $133.87 $150.39 

73 $148.89 $199.29 $232.90 $233.93 $94.86 $138.29 $155.35 

74 $153.64 $205.65 $240.33 $241.40 $97.89 $142.70 $160.31 


75+ $158.40 $212.02 $247.77 $248.87 $100.92 $147.12 $165.27 

Group 2 




Level 1 Rates 

$174.24 $233.22 $272.54 $273.75 $111.01 $161.83 $181.79 

Group 3 




Level 2 Rates 

$198.00 $265.02 $309.71 $311.08 $126.15 $183.90 $206.58 


Appendix 

MRP0003 CAA 1/11 



Under 65 Monthly Plan Rates 


Group 4 

Applies to individuals under the age of 65 who are 

eligible for Medicare by reason of disability 


Non-Tobacco Rates 

50-64 $179.99 $240.92 $281.55 $282.80 $114.67 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 CAA 1/11 






Group 1 





65 $88.37 $118.30 $138.25 $138.95 $56.35 $82.07 $92.22 

66 $92.16 $123.37 $144.17 $144.90 $58.76 $85.59 $96.17 

67 $95.95 $128.44 $150.10 $150.86 $61.18 $89.11 $100.13 

68 $99.73 $133.51 $156.02 $156.81 $63.59 $92.62 $104.08 

69 $103.52 $138.58 $161.95 $162.77 $66.01 $96.14 $108.03 

70 $107.31 $143.65 $167.87 $168.72 $68.42 $99.66 $111.98 

71 $111.10 $148.72 $173.80 $174.68 $70.84 $103.18 $115.94 

72 $114.88 $153.79 $179.72 $180.63 $73.25 $106.69 $119.89 

73 $118.67 $158.86 $185.65 $186.59 $75.67 $110.21 $123.84 

74 $122.46 $163.93 $191.57 $192.54 $78.08 $113.73 $127.79 


75+ $126.25 $169.00 $197.50 $198.50 $80.50 $117.25 $131.75 

Group 2 




Level 1 Rates 

$138.87 $185.90 $217.25 $218.35 $88.55 $128.97 $144.92 

Group 3 




Level 2 Rates 

$157.81 $211.25 $246.87 $248.12 $100.62 $146.56 $164.68 


Appendix 

MRP0003 CAB 1/11 





Group 1 





65 $97.20 $130.13 $152.07 $152.84 $61.98 $90.27 $101.44 

66 $101.37 $135.70 $158.59 $159.39 $64.64 $94.14 $105.79 

67 $105.54 $141.28 $165.11 $165.94 $67.29 $98.01 $110.13 

68 $109.70 $146.86 $171.62 $172.49 $69.95 $101.88 $114.48 

69 $113.87 $152.43 $178.14 $179.04 $72.61 $105.75 $118.83 

70 $118.03 $158.01 $184.66 $185.59 $75.26 $109.62 $123.18 

71 $122.20 $163.59 $191.18 $192.14 $77.92 $113.49 $127.52 

72 $126.37 $169.16 $197.69 $198.69 $80.58 $117.36 $131.87 

73 $130.53 $174.74 $204.21 $205.24 $83.23 $121.23 $136.22 

74 $134.70 $180.32 $210.73 $211.79 $85.89 $125.10 $140.57 


75+ $138.87 $185.90 $217.25 $218.35 $88.55 $128.97 $144.92 

Group 2 




Level 1 Rates 

$152.75 $204.49 $238.97 $240.18 $97.40 $141.86 $159.41 

Group 3 




Level 2 Rates 

$173.58 $232.37 $271.56 $272.93 $110.68 $161.21 $181.15 


Appendix 

MRP0003 CAB 1/11 






Group 4 





50-64 $157.80 $211.24 $246.86 $248.11 $100.61 N/A N/A 








Appendix 

MRP0003 CAB 1/11 





Group 1 





65 $81.37 $108.85 $127.22 $127.75 $51.80 $75.42 $84.87 

66 $84.86 $113.51 $132.67 $133.22 $54.02 $78.65 $88.51 

67 $88.35 $118.18 $138.13 $138.70 $56.24 $81.89 $92.15 

68 $91.83 $122.84 $143.58 $144.17 $58.46 $85.12 $95.78 

69 $95.32 $127.51 $149.03 $149.65 $60.68 $88.35 $99.42 

70 $98.81 $132.17 $154.48 $155.12 $62.90 $91.58 $103.06 

71 $102.30 $136.84 $159.94 $160.60 $65.12 $94.82 $106.70 

72 $105.78 $141.50 $165.39 $166.07 $67.34 $98.05 $110.33 

73 $109.27 $146.17 $170.84 $171.55 $69.56 $101.28 $113.97 

74 $112.76 $150.83 $176.29 $177.02 $71.78 $104.51 $117.61 


75+ $116.25 $155.50 $181.75 $182.50 $74.00 $107.75 $121.25 

Group 2 




Level 1 Rates 

$127.87 $171.05 $199.92 $200.75 $81.40 $118.52 $133.37 

Group 3 




Level 2 Rates 

$145.31 $194.37 $227.18 $228.12 $92.50 $134.68 $151.56 


Appendix 

MRP0003 CAC 1/11 






Group 1 





65 $89.50 $119.73 $139.94 $140.52 $56.98 $82.96 $93.35 

66 $93.34 $124.86 $145.94 $146.54 $59.42 $86.51 $97.36 

67 $97.18 $129.99 $151.93 $152.57 $61.86 $90.07 $101.36 

68 $101.01 $135.12 $157.93 $158.59 $64.30 $93.63 $105.36 

69 $104.85 $140.26 $163.93 $164.61 $66.74 $97.18 $109.36 

70 $108.68 $145.39 $169.93 $170.63 $69.19 $100.74 $113.36 

71 $112.52 $150.52 $175.92 $176.66 $71.63 $104.29 $117.36 

72 $116.36 $155.65 $181.92 $182.68 $74.07 $107.85 $121.36 

73 $120.19 $160.78 $187.92 $188.70 $76.51 $111.40 $125.36 

74 $124.03 $165.91 $193.92 $194.72 $78.95 $114.96 $129.36 


75+ $127.87 $171.05 $199.92 $200.75 $81.40 $118.52 $133.37 

Group 2 




Level 1 Rates 

$140.65 $188.15 $219.91 $220.82 $89.54 $130.37 $146.70 

Group 3 




Level 2 Rates 

$159.83 $213.81 $249.90 $250.93 $101.75 $148.15 $166.71 


Appendix 

MRP0003 CAC 1/11 





Group 4 





50-64 $145.30 $194.36 $227.17 $228.11 $92.49 N/A N/A 








Appendix 

MRP0003 CAC 1/11 






Group 1 





65 $73.32 $98.17 $114.80 $115.32 $46.72 $68.07 $76.47 

66 $76.46 $102.38 $119.72 $120.26 $48.72 $70.99 $79.75 

67 $79.61 $106.59 $124.64 $125.21 $50.73 $73.91 $83.03 

68 $82.75 $110.79 $129.56 $130.15 $52.73 $76.82 $86.30 

69 $85.89 $115.00 $134.48 $135.09 $54.73 $79.74 $89.58 

70 $89.03 $119.21 $139.40 $140.03 $56.73 $82.66 $92.86 

71 $92.18 $123.42 $144.32 $144.98 $58.74 $85.58 $96.14 

72 $95.32 $127.62 $149.24 $149.92 $60.74 $88.49 $99.41 

73 $98.46 $131.83 $154.16 $154.86 $62.74 $91.41 $102.69 

74 $101.60 $136.04 $159.08 $159.80 $64.74 $94.33 $105.97 


75+ $104.75 $140.25 $164.00 $164.75 $66.75 $97.25 $109.25 

Group 2 




Level 1 Rates 

$115.22 $154.27 $180.40 $181.22 $73.42 $106.97 $120.17 

Group 3 




Level 2 Rates 

$130.93 $175.31 $205.00 $205.93 $83.43 $121.56 $136.56 


Appendix 

MRP0003 CAD 1-11 





Group 1 





65 $80.65 $107.98 $126.28 $126.85 $51.39 $74.87 $84.11 

66 $84.11 $112.61 $131.69 $132.29 $53.59 $78.08 $87.72 

67 $87.56 $117.24 $137.10 $137.72 $55.79 $81.29 $91.32 

68 $91.02 $121.87 $142.51 $143.16 $58.00 $84.50 $94.93 

69 $94.48 $126.50 $147.92 $148.60 $60.20 $87.71 $98.53 

70 $97.93 $131.12 $153.34 $154.03 $62.40 $90.92 $102.14 

71 $101.39 $135.75 $158.75 $159.47 $64.60 $94.13 $105.74 

72 $104.85 $140.38 $164.16 $164.91 $66.81 $97.34 $109.35 

73 $108.30 $145.01 $169.57 $170.34 $69.01 $100.55 $112.95 

74 $111.76 $149.64 $174.98 $175.78 $71.21 $103.76 $116.56 


75+ $115.22 $154.27 $180.40 $181.22 $73.42 $106.97 $120.17 

Group 2 




Level 1 Rates 

$126.74 $169.69 $198.44 $199.34 $80.76 $117.66 $132.18 

Group 3 




Level 2 Rates 

$144.02 $192.83 $225.50 $226.52 $91.77 $133.71 $150.21 


Appendix 

MRP0003 CAD 1-11 






Group 4 





50-64 $130.92 $175.30 $204.99 $205.92 $83.42 N/A N/A 






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 CAD 1-11 


This information applies for plan effective dates of January 1, 2011 - December 1, 2011 43 


Appendix 

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” 

SA5073 CA (8-10) 

Page 1 of 2 u 

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 

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 

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 

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CALIFORNIA Area 1 ZIP Codes CONTINUED 

Appendix 

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Page 2 of 2 




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SA5073 CB (8-10) Page 1 of 1 

Appendix 




Appendix 



SA5073 CC (8-10) 

Page 1 of 2 u 

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Page 2 of 2 

Appendix 




Appendix 



SA5073 CD (8-10) 

Page 1 of 2 u 

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This information applies for plan effective dates of January 1, 2011 - December 1, 2011 49 


Appendix 


Page 2 of 2 

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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

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