<html> <head> <title>Rule 20:06:13:0E Instructions for Use of the Disclosure Statements for Health Insurance Policies Sold to Medicare Beneficiaries that Duplicate Medicare.</title> <META NAME="Keywords" Content="Administrative Rules 20:06:13:0E"> <META NAME="Description" Content="Administrative Rules 20:06:13:0E Instructions for Use of the Disclosure Statements for Health Insurance Policies Sold to Medicare Beneficiaries that Duplicate Medicare."> <meta http-equiv=Content-Type content="text/html; charset=windows-1252"> <meta name=Generator content="Microsoft Word 15 (filtered)"> <style> <!-- /* Font Definitions */ @font-face {font-family:Wingdings; panose-1:5 0 0 0 0 0 0 0 0 0;} @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4;} @font-face {font-family:Times; panose-1:2 2 6 3 5 4 5 2 3 4;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {margin:0in; margin-bottom:.0001pt; 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style='font-size:12.0pt'>&nbsp;</span></p> <p class=MsoNormal><span style='font-size:12.0pt'>&nbsp;</span></p> <p class=MsoNormal><span style='font-size:12.0pt'>&nbsp;</span></p> <p class=MsoNormal><span style='font-size:12.0pt'>&nbsp;</span></p> <p class=MsoNormal><span style='font-size:12.0pt'>&nbsp;</span></p> <p class=MsoNormal><span style='font-size:12.0pt'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>DEPARTMENT OF LABOR AND REGULATION</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>DIVISION OF INSURANCE</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>INSTRUCTIONS FOR USE OF THE DISCLOSURE STATEMENTS</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>FOR HEALTH INSURANCE POLICIES SOLD TO</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>MEDICARE BENEFICIARIES THAT DUPLICATE MEDICARE</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Chapter 20:06:13</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>APPENDIX E</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>SEE: &#167;</span> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'>20:06:13:31</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <b>Source:</b> 22 SDR 107, effective February 18, 1996; 23 SDR 236, effective July 13, 1997; 25 SDR 44, effective September 30, 1998; 31 SDR 214, effective July 6, 2005; 36 SDR 209, effective July 1, 2010; 39 SDR 10, effective August 1, 2012.</span></p> <span style='font-size:10.0pt;font-family:"Times",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>APPENDIX E</span></b></p> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>DISCLOSURE STATEMENTS</span></b></p> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Instructions for Use of the Disclosure Statements for</span></b></p> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Health Insurance Policies Sold to Medicare Beneficiaries</span></b></p> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>that Duplicate Medicare</span></b></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>1.&nbsp;&nbsp;Section 1882 (d) of the federal Social Security Act [42 U.S.C. 1395ss] prohibits the sale of a health insurance policy (the term policy or policies includes certificates) that duplicate Medicare benefits unless it will pay benefits without regard to other health coverage and it includes the prescribed disclosure statement on or together with the application for the policy</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>2.&nbsp;&nbsp;All types of health insurance policies that duplicate Medicare shall include one of the attached disclosure statements, according to the particular policy type involved, on the application or together with the application. The disclosure statement must be in substantially the same form and in no less than twelve-point type. For purposes of this section, &quot;form&quot; means the language, format, type size, type proportional spacing, bold character, line spacing, and usage of boxes around text.</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>3.&nbsp;&nbsp;State and federal law prohibits insurers from selling a Medicare supplement policy to a person that already has a Medicare supplement policy except as a replacement.</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>4.&nbsp;&nbsp;Property/casualty and life insurance policies are not considered health insurance.</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>5.&nbsp;&nbsp;Disability income policies are not considered to provide benefits that duplicate Medicare.</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>6.&nbsp;&nbsp;Long-term care insurance policies that coordinate with Medicare and other health insurance are not considered to provide benefits that duplicate Medicare.</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>7.&nbsp;&nbsp;The federal law does not pre-empt state laws that are more stringent than the federal requirements.</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>8.&nbsp;&nbsp;The federal law does not pre-empt existing state form filing requirements.</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:15.85pt;text-align:justify;text-indent: -15.85pt'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>9.&nbsp;&nbsp;Section 1882 of the federal Social Security Act was amended in subsection (d)(3)(A) to allow for alternative disclosure statements. The disclosure statements already in Appendix C remain. Carriers may use either disclosure statement with the requisite insurance product. However, carriers should use either the original disclosure statements or the alternative disclosure statements and not use both simultaneously.</span></p> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[For policies that provide benefits for expenses incurred for an accidental injury only.]</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>IMPORTANT NOTICE TO PERSONS ON MEDICARE</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS</span></b></p> </div> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This is not Medicare Supplement Insurance</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance provides limited benefits, if you meet the policy conditions, for hospital or medical expenses that result from accidental injury.&nbsp; It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.&nbsp; </span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance duplicates Medicare benefits when it pays</span></b><span style='font-size: 12.0pt;font-family:"Times New Roman",serif'>:</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospital or medical expenses up to the maximum stated in the policy</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare generally pays for most or all of these expenses.</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.&nbsp; These include:</span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospitalization</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>physician services</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[outpatient prescription drugs if you are enrolled in Medicare Part D]</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>other approved items and services</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Before You Buy This Insurance</span></b></p> </div> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.4in;text-align:justify;text-indent:-.4in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Check the coverage in <b>all</b> health insurance policies you already have.</span></p> <p class=MsoNormal style='margin-left:.4in;text-align:justify;text-indent:-.4in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For more information about Medicare and Medicare Supplement insurance, review the <i>Guide to Health Insurance for People with Medicare</i>, available from the insurance company.</span></p> <p class=MsoNormal style='margin-left:.4in;text-align:justify;text-indent:-.4in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP].</span></p> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[For policies that provide benefits for specified limited services.]</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>IMPORTANT NOTICE TO PERSONS ON MEDICARE</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS</span></b></p> </div> <p class=MsoNormal style='page-break-after:avoid'><b><span style='font-size: 14.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This is not Medicare Supplement Insurance</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance provides limited benefits, if you meet the policy conditions, for expenses relating to the specific services listed in the policy.&nbsp; It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.&nbsp; </span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance duplicates Medicare benefits when</span></b><span style='font-size:12.0pt; font-family:"Times New Roman",serif'>:</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>any of the services covered by the policy are also covered by Medicare</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.&nbsp; These include:</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospitalization</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>physician services</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[outpatient prescription drugs if you are enrolled in Medicare Part D]</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>other approved items and services</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Before You Buy This Insurance</span></b></p> </div> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; Check the coverage in <b>all</b> health insurance policies you already have.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For more information about Medicare and Medicare Supplement insurance, review the <i>Guide to Health Insurance for People with Medicare</i>, available from the insurance company.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP].</span></p> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[For policies that reimburse expenses incurred for specified disease(s) or other specified impairment(s).&nbsp; This includes expense-incurred cancer, specified disease and other types of health insurance policies that limit reimbursement to named medical conditions.]</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>IMPORTANT NOTICE TO PERSONS ON MEDICARE</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS</span></b></p> </div> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This is not Medicare Supplement Insurance</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance provides limited benefits, if you meet the policy conditions, for hospital or medical expenses only when you are treated for one of the specific diseases or health conditions listed in the policy.&nbsp; It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.&nbsp; </span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance duplicates Medicare benefits when it pays</span></b><span style='font-size: 12.0pt;font-family:"Times New Roman",serif'>:</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospital or medical expenses up to the maximum stated in the policy</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare generally pays for most or all of these expenses.</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.&nbsp; These include:</span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospitalization</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>physician services</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospice</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[outpatient prescription drugs if you are enrolled in Medicare Part D]</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>other approved items and services</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Before You Buy This Insurance</span></b></p> </div> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; Check the coverage in <b>all</b> health insurance policies you already have.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For more information about Medicare and Medicare Supplement insurance, review the <i>Guide to Health Insurance for People with Medicare</i>, available from the insurance company.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP].</span></p> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[For policies that pay fixed dollar amounts for specified disease(s) or other specified impairment(s).&nbsp; This includes cancer, specified disease, and other health insurance policies that pay a scheduled benefit or specific payment based on diagnosis of the conditions named in the policy.]</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>IMPORTANT NOTICE TO PERSONS ON MEDICARE</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS</span></b></p> </div> <p class=MsoNormal style='page-break-after:avoid'><b><span style='font-size: 14.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This is not Medicare Supplement Insurance</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy.&nbsp; It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.&nbsp; </span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific conditions or diagnoses named in the policy.&nbsp; </span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.&nbsp; These include:</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospitalization</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>physician services</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospice</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[outpatient prescription drugs if you are enrolled in Medicare Part D]</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>other approved items and services</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Before You Buy This Insurance</span></b></p> </div> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; Check the coverage in <b>all</b> health insurance policies you already have.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For more information about Medicare and Medicare Supplement insurance, review the <i>Guide to Health Insurance for People with Medicare</i>, available from the insurance company.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP].</span></p> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[For indemnity policies and other policies that pay a fixed dollar amount per day, excluding long-term care policies.]&nbsp; </span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>IMPORTANT NOTICE TO PERSONS ON MEDICARE</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS</span></b></p> </div> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This is not Medicare Supplement Insurance</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions.&nbsp; It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.&nbsp; </span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance duplicates Medicare benefits when</span></b><span style='font-size:12.0pt;font-family: "Times New Roman",serif'>:</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>any expenses or services covered by the policy are also covered by Medicare</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare generally pays for most or all of these expenses.</span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.&nbsp; These include:</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospitalization</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>physician services</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospice</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[outpatient prescription drugs if you are enrolled in Medicare Part D]</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>other approved items and services</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Before You Buy This Insurance</span></b></p> </div> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; Check the coverage in <b>all</b> health insurance policies you already have.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For more information about Medicare and Medicare Supplement insurance, review the <i>Guide to Health Insurance for People with Medicare</i>, available from the insurance company.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP].</span></p> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[For policies that provide benefits for both an expense-incurred and fixed indemnity basis.]</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>IMPORTANT NOTICE TO PERSONS ON MEDICARE</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS</span></b></p> </div> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This is not Medicare Supplement Insurance</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance pays limited reimbursement for expenses if you meet the conditions listed in the policy. It also pays a fixed amount, regardless of your expenses, if you meet other policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance duplicates Medicare benefits when:</span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>any expenses or services covered by the policy are also covered by Medicare; or</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>it pays the fixed dollar amount stated in the policy and Medicare covers the same event</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare generally pays for most or all of these expenses.</span></b></p> <p class=MsoNormal style='page-break-after:avoid'><b><span style='font-size: 12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.&nbsp; These include:</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospitalization</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>physician services</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospice care</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[outpatient prescription drugs if you are enrolled in Medicare Part D]</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>other approved items &amp; services</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Before You Buy This Insurance</span></b></p> </div> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; Check the coverage in <b>all</b> health insurance policies you already have.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For more information about Medicare and Medicare Supplement insurance, review the <i>Guide to Health Insurance for People with Medicare</i>, available from the insurance company.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP].</span></p> <span style='font-size:12.0pt;font-family:"Times New Roman",serif'><br clear=all style='page-break-before:always'> </span> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[For other health insurance policies not specifically identified in the previous statements.]</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>IMPORTANT NOTICE TO PERSONS ON MEDICARE</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>THIS INSURANCE DUPLICATES SOME MEDICARE BENEFITS</span></b></p> </div> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This is not Medicare Supplement Insurance</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance provides limited benefits if you meet the conditions listed in the policy.&nbsp; It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.&nbsp; </span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This insurance duplicates Medicare benefits when it pays</span></b><span style='font-size: 12.0pt;font-family:"Times New Roman",serif'>:</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>the benefits stated in the policy and coverage for the same event is provided by Medicare</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare generally pays for most or all of these expenses.</span></b></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.&nbsp; These include:</span></b></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospitalization</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>physician services</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>hospice</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>[outpatient prescription drugs if you are enrolled in Medicare Part D]</span></p> <p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent: -.25in;page-break-after:avoid'><span style='font-size:12.0pt;font-family:Symbol'>·<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>other approved items and services</span></p> <p class=MsoNormal style='text-align:justify;page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <div style='border:solid windowtext 1.0pt;padding:1.0pt 1.0pt 1.0pt 1.0pt'> <p class=MsoNormal align=center style='text-align:center;page-break-after:avoid; border:none;padding:0in'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Before You Buy This Insurance</span></b></p> </div> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; Check the coverage in <b>all</b> health insurance policies you already have.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For more information about Medicare and Medicare Supplement insurance, review the <i>Guide to Health Insurance for People with Medicare</i>, available from the insurance company.</span></p> <p class=MsoNormal style='margin-left:.3in;text-align:justify;text-indent:-.3in; page-break-after:avoid'><span style='font-size:12.0pt;font-family:Wingdings'>l</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;&nbsp;&nbsp; For help in understanding your health insurance, contact your state insurance department or state [health] insurance [assistance] program [SHIP].</span></p> <p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>&nbsp;</span></p> </div> </body> </html>