A. The Teamsters selected United American Insurance Company based on its financial strength and proven history of paying claims in full and in a timely manner. This company is one of the soundest insurers in the country.

A. No. Your protection cannot be canceled as long as your premiums are paid on time and the master policy remains in force.

A. Protection starts on the issue date of your certificate following approval of your enrollment form and first premium payment.

A. We understand how complicated insurance can appear. So we have selected four options that offer the best value and coverage for the dollar. We encourage you to read the enclosed plan descriptions. If you have questions, call the TEAMStar^® toll-free number 1-877-577-5148 and we will be happy to assist you by answering your questions.

A. Yes. Federal law prohibits more than one policy supplementing your Medicare coverage. Remember, do not cancel your existing coverage until you have received and reviewed your new certificate.

is the amount a physician or supplier actually bills for a particular medical service or supply.

is what Medicare determines to be reasonable for a service that is covered under Part B.

is the arrangement whereby a physician or medical supplier agrees to accept the Medicare-approved amount as full payment for services and supplies covered under Part B.

is a way of measuring a beneficiary’s use of hospital and skilled nursing facility services covered by Medicare.

is the portion or percentage of the Medicare-approved amount that a beneficiary is responsible for paying.

is a federal health insurance program created under Title XVIII of the Social Security Act of 1965 as amended.

Hospitalization insurance which helps cover Inpatient hospitals, skilled nursing facilities, hospice and home health care.

Medical insurance which helps covers doctors, outpatient care, durable medical equipment and home health care.

is one that primarily furnishes skilled nursing and rehabilitation services. Act of 1965 as amended.