Vantage Plans

With Vantage BASIC, you enjoy:

• Freedom to choose your doctor, specialist, or hospital from a large list of providers
• No Deductibles
• Primary care doctor office visits and annual routine physicals for just $10
• Prescription drug coverage included in plan premium
• Prescriptions covered with no deductible and low copays
• Coverage for all the most commonly prescribed drugs for seniors
• Emergency coverage worldwide
• Yearly eye exams

With Vantage PREMIUM, you enjoy all of the benefits of the Basic Plan, plus:

• Primary Care doctor office visits and annual routine physicals for just $5
• Coverage for eyeglasses or contacts
• Hospital coverage with $100 copay per admission
• $100 copay per surgery
• Coverage through Doughnut Hole for generic prescriptions with a $6 copay

Vantage Plans eliminate all deductibles that a Medicare beneficiary has under Original Medicare, while enhancing many of the benefits. Medicare beneficiaries currently have Medicare Part A, which usually does not require a premium, because about 99% of Medicare beneficiaries have at least 40 quarters for Medicare-Covered employments. The one percent of beneficiaries that have fewer than 40 quarters may have to pay a Part A premium. Either way, the beneficiary is still responsible for the $1024 deductible for Part A for 2008. With Vantage Plans, the deductible for Part A is completely eliminated.

Medicare beneficiaries who have Part A are automatically enrolled in Part B, unless they inform the Social Security Administration that they do not want Part B. Part B has a monthly premium of $96.40 for 2008, and a deductible of $135 for 2008. With a Vantage Plan, beneficiaries will still have to pay their Part B premiums, but they no longer will have the deductible attached to it.

Medicare beneficiaries that opted for Part D coverage in January 2006, are paying a separate premium for the Part D, which generally averages about $24 a month depending on the beneficiaries' Part D plan and where they are located, as well as a $275 deductible for 2008. Vantage Plans eliminate the deductible and premium for Part D.

Medicare beneficiaries often try to reduce their deductibles and coinsurance with Original Medicare by purchasing Medicare Supplemental Policies, for which they pay a monthly premium for as well. Vantage Plans eliminate the need for a supplemental policy, because Vantage Plans eliminate all deductibles. Therefore, the monthly premium for a supplemental policy goes back into beneficiaries' pockets.

Vantage is available in Bienville, Bossier, Caddo, Caldwell, Claiborne, Franklin, Jackson,La Salle, Lincoln, Morehouse, Rapides, Ouachita, Red River, Richland, Union, Webster and Winn Parishes for individual coverage. Vantage is also available for employer groups.