UNICARE is a subsidiary of WellPoint Health Networks Inc. (WellPoint), one of the largest managed care companies in the United States and one of the most financially sound. WellPoint and its family of companies provide health coverage for more than 13 million members and approximately 42.6 million specialty members nationwide.

More individuals purchase their individual medical coverage through the WellPoint family of companies than any other individual carrier in the United States.

Medicare offers many benefits, but there are still certain charges which Medicare doesn't cover. These charges or "gaps" can add up quickly during sudden or unexpected illnesses. UNICARE offers a range of Medicare Supplement insurance plans* to help you cover these charges.

With UNICARE's Medicare Standard supplement insurance plans you enjoy:

• Direct access to any participating doctor, specialist or hospital
• A choice of affordable plans designed to meet your individual needs
• No waiting period for pre-existing conditions
• Affordable coverage that's guaranteed renewable from year to year (insurer may change premiums only by class or state)
• Toll-Free Customer Service Number
• The security of a financially strong Standard & Poor's "A+" rated, A.M. Best** "A-" rated company

Depending upon the insurance coverage you choose, you can avoid potentially costly gaps in Medicare coverage such as:

• The Part A hospital deductible
• The Part A hospital coinsurance
• The Part B $100 deductible
• The Part B coinsurance

Our newest plan, Senior PrimeChoice combines all the benefits included in our Standard Plan F, our most popular Medicare Supplement plan, with a $1,620 annual deductible. In addition to a lower monthly premium, the plan also includes a valuable generic prescription drug benefit with no annual maximum. Prescription drugs are limited to those on our formulary, and are not subject to the $1,620 annual plan deductible.

With the Senior PrimeChoice plan, after Medicare has paid its portion of the covered services you receive, and once your out-of-pocket expenses have reached the required annual $1,620 plan deductible, we will cover any remaining deductibles, coinsurances and excess charges you incur for Medicare-covered services.

* Plans are intended for people age 65 or older, who are enrolled in both Parts A and B of Medicare.
** A.M. Best Company is an independent insurance industry analyst that bases its analysis on financial position and operating performance.

UNICARE is not connected with or endorsed by the U.S. Government or the federal Medicare program.  Medical coverage is provided by UNICARE Life & Health Insurance Company, a separately incorporated and capitalized subsidiary of WellPoint Health Networks Inc.

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2002 WellPoint Health Networks Inc.