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David Gordon

UHC vs Humana in Arizona

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Yes both carriers require you to have an active writing number before you can obtain materials and submit business.  United Healthcare requires agents to certify before a writing number is issued.  They are the only carrier to require certification for Medicare Supplements. 

 

The UHC product is very unique it is not like any other because they have a community rating with a  3% per year discount if someone is younger than 77.  36% at 65 then 3% less each year going forward, I screenshotted the explanation from their materials below.  After they turn age 77 their rates will not increase unless if the company as a whole takes an increase which is different from the competition with attained age rate schedules going up to age 99.  They also allow people to move from plan to plan freely effective the 1st of the next month without going through underwriting.

uhc-screenshot.png

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