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This is archive material for research purposes. Please see PDPFinder.com or MAFinder.com for current plans.

2015 United American - Select (PDP)

Medicare Prescription Drug Plan Benefit Details in Plain Text
The following Medicare Prescription Drug plan (PDP) benefits apply to the United American - Select (PDP) (S5755 - 102) in CMS Region 31, which includes all counties in ID UT.

This plan is administered by UNITED AMERICAN INSURANCE COMPANY, a national plan provider. This means that the insurance carrier offers Medicare Part D plan in most every state. To switch to a different Medicare Prescription Drug plan or to change your location, click here.
This Plan is currently not accepting enrollments — The United American - Select (PDP) has been sanctioned by the Centers for Medicare and Medicaid Services (CMS).
Click here to see the United American - Select (PDP) prescription drug benefit details in chart format or email and view benefits chart

Plan Premium
The United American - Select (PDP) has a monthly premium of $41.50. That is $498.00 for 12 months. There are a few factors that can increase or decrease this premium. If you qualify for full extra help, your monthly premium will be $0. If you have a premium penalty, your premium will be higher. Or if you have a higher income you would be subject to the Income Related Adjustment Amount (IRMAA).

Plan Membership and Plan Ratings
The United American - Select (PDP) (S5755 - 102) in CMS Region 31 currently has 1,203 members, and 47,031 members in the United American - Select (PDP) nationwide.

The Centers for Medicare and Medicaid Services (CMS) has given this plan carrier a summary rating of 3.5 stars. The detail CMS plan carrier ratings are as follows:
  • Customer Service Rating of 3 out of 5 stars
  • Member Experience Rating of 5 out of 5 stars
  • Drug Cost Information Accuracy Rating of 3 out of 5 stars
Prescription Drug Coverage: Deductible, Cost-sharing, Formulary
This plan has a $320 deductible. So, you are 100% responsible for the first $320 in medication costs. After you have met the deductible, the United American - Select (PDP) will share the costs of your medications with you -- see cost-sharing below. $320 is the maximum deductible for 2015. There are other plans with a lower deductible or even a $0 deductible for all formulary drugs. Click here to review plans with a $0 deductible.

The following information is about the United American - Select (PDP) formulary (or drug list). There are 3021 drugs on the United American - Select (PDP) formulary.

The United American - Select (PDP) does offer a mail order service.

Click here to browse the United American - Select (PDP) Formulary.
 
The Initial Coverage Phase (ICP) can be thought of as the cost-sharing phase of the plan. During this phase, you and the insurance company share your prescription costs. Once you have spent $320, your initial coverage phase will start. All medication are divided into tiers within the plans formulary. This helps the plan to organize and manage the prescription cost-sharing. The United American - Select (PDP)’s formulary is divided into 5 tiers. Every plan can name their tiers differently, and can place medications on any tier. The cost-sharing for this plan is divided as follows:
  • Tier 1 (Preferred Generic) contains 316 drugs and has a co-payment of $0.00.
  • Tier 2 (Non-Preferred Generic) contains 362 drugs and has a co-payment of $3.00.
  • Tier 3 (Preferred Brand) contains 1,087 drugs and has a co-insurance of 14% of the drug cost.
  • Tier 4 (Non-Preferred Brand) contains 813 drugs and has a co-insurance of 24% of the drug cost.
  • Tier 5 (Specialty Tier) contains 443 drugs and has a co-insurance of 25% of the drug cost.
    •  
Click here to browse the United American - Select (PDP) Formulary.

The United American - Select (PDP)’s Initial Coverage Limit is $2,960. When this limit is reached, you exit the Initial Coverage Phase and enter the Coverage Gap (or Donut Hole).

The Coverage Gap, which is also known as the Donut (Doughnut) Hole is the phase of your Medicare Part D plan where you are responsible for 100% of your medication costs. Healthcare Reform mandates that the insurance carrier pay 35% of your generic drug prescription costs in the donut hole on your behalf.

The brand-name drug manufacturer will pay 50% and your plan will pay an additional 5% of the cost of your brand-name drugs purchased in the Donut Hole, for a total of 55% discount. The 50% paid by the brand-name drug manufacturer is paid on your behalf and therefore counts toward your TrOOP (or True Out-of-Pocket) costs. The portion paid by your plan, does not count toward TrOOP. Some Medicare Part D plans offer coverage during the Coverage Gap that is beyond the mandated discounts. Any drug not covered by the plan’s Gap Coverage will still receive the discounts noted above -- even if the plan has "No Gap Coverage". This plan (United American - Select (PDP)) offers No Coverage during the Coverage Gap phase.





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  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
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