Universal American
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About the Company

Universal American is a specialty health and life insurance holding company, with an emphasis on providing a broad array of health insurance and managed care products and services to the growing senior population. The primary elements of Universal Americanís success have been broad and deep distribution, active risk management and opportunistic acquisitions.

Our principal health insurance products for the senior market are Medicare Advantage HMO and Private Fee-for-Service, Medicare Part D prescription drug coverage and Medicare Supplement. Additionally, Universal American sells life insurance and specialty health insurance to self-employed individuals in the United States. We distribute these products through a career agency system and an independent general agency system. We also provide administrative services for senior market insurance and non-insurance programs to both affiliated and unaffiliated insurance companies.

Universal American's Medicare Advantage product line includes Today's Options®, a Private Fee-for-Service plan available in 47 states, as well as a growing portfolio of HMO plans in select markets in Texas, Florida, Wisconsin and Oklahoma. Prescription PathwaySM, our Medicare Part D product line, is offered through a strategic alliance with PharmaCare Management Services, Inc., a wholly owned subsidiary of CVS Corporation.

Collectively, our insurance subsidiaries are licensed to sell health insurance and life insurance in all 50 states, the District of Columbia and Puerto Rico. Our career agents focus on sales for Pennsylvania Life and Pyramid Life while the independent general agents sell for American Exchange, American Pioneer, American Progressive, Constitution Life, Marquette National and Union Bankers.

CHCS Services, our administrative services company, acts as a service provider for both affiliated and non-affiliated insurance companies for senior market insurance and non-insurance programs.

Universal American has approximately 2000 employees in six main locations. The company is traded on the New York Stock Exchange (NYSE) under the ticker symbol UAM, and is included in the Russell 2000 and 3000 indexes.

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