Quick Facts On Medicare Supplements:

1. Medicare Supplements replace the "Gaps" found in Medicare.

2. You can go to any hospital, any doctor, anyplace, anytime without
    asking permission unlike an HMO.

3. All claims are filed automatically so you don't have to "lift a finger"
    to get your claims paid.

4. If you travel or live somewhere else for a period of time every year
    as many do, you can receive any hospital, doctor or any other
    medical needs attended to with no questions asked.

5. If you travel outside the USA, your Medicare Supplement will pay a
    substantial part of your medical bills. This is important as Medicare,
    in most cases, covers nothing out of the country.*

6. If you have a Medicare Supplement which covers the $100.00 Part
    B deductible, you pay nothing for services if the doctor participates
    with  Medicare. Most HMO's have a co-pay.**

7. In the year 2002, if you have an HMO, you will be locked into that
    HMO  from November to November no matter how they may
    change benefits on your program.

8. We, as Americans, enjoy freedom as our #1 benefit. A Medicare
     Supplement gives you this freedom and although Supplements
     cost more than an HMO, they give you more. Why settle for less!!
     With a Medicare Supplement you can change companies, and
     plans, medical history permitting, as often as you wish. You can
     "shop" for the best price.

     All Supplements not available in every state.
   *Plans A and B do not cover foreign travel.
  **Plans C and F cover Part B $100.00 deductible.

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