Medicare's benefits keep shrinking. Because of this, the average employer who provides medical benefits to their retirees faces ever increasing costs.       The Group Medicare Supplement approach is rapidly becoming the favored alternative for employers with post-retirement medical liabilities. At D.M. Ulatowski we believe our solution creates a "best of both worlds" environment to the extent that future liabilities can be capped, while the Medicare eligible retiree population still enjoys the privilege of comprehensive benefits. Our plans reflect current Medicare benefits, and as Medicare changes it's benefit formula, we revise our plans accordingly. This assures you of an accurate benefit listing and coverage.       Our plans conform to the model regulations developed by the National Association of Insurance Commussioners (NAIC) adopted by most states. By allowing us to assist you in placing coverage, you the employer are moved into a fully-insured program, and a fixed cost. Your liability is limited to the premium amount (or less if you require a Retiree Contribution). At the same time, our plans limit a retiree's out of pocket expenses and retirees still retain complete freedom of choice in selecting doctors. D.M. Ulatowski is excited by the benefits and services offered by this competitive solution to an ever increasing need.       Our plans also provide Prescription Drug Benefits to the retirement community through a uniqe Nationwide network of providers with centralized adminitstraion.

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