Medicare Supplement. What Is an Annuity? Final Expense Insurance. What is Medicare?

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2 Medicare Supplement What is Medicare? Medicare is health insurance for people 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). Original Medicare covers many health care services and supplies, but there are many costs ( gaps ) it doesn t cover. Medicare Part A (Hospital Insurance) Helps cover inpatient care in hospitals Helps cover skilled nursing facility, hospice, and home health care Medicare Part B (Medical Insurance) Helps cover doctors services and outpatient care Helps cover some preventive services to help maintain your health and to keep certain illnesses from getting worse What Is an Annuity? An annuity is a retirement plan sold by an insurance company or a brokerage house. There are two basic types: Fixed annuities pay a set rate of interest for a set number of years, and variable annuities allow for investment into an array of accounts that resemble mutual funds. Investors can buy an annuity with a lump sum or make premium payments over time. Only after-tax money can go into an annuity, but once it s in the account, it grows taxdeferred until it s withdrawn. By federal law, withdrawals taken before age 59 1/2 face a 10% penalty plus income tax. Unlike most tax-deferred retirement plans, however, you don t have to start taking taxable withdrawals at age 70 1/2. Final Expense Insurance Final expense insurance can help ease that burden by paying for many of the costs associated with funerals. With the high cost of funerals, the last thing anyone wants to think about after they lose a loved one is paying for and planning final arrangements, but it is a sad reality many people have to face who don t have the proper coverage to prevent such occurrences.the average cost for Final Expense cost form $8500 to $20,000 let the Insurance Compays take the Risk. More info

3 Dental SIGNA Members may take advantage of savings offered by an industry leader in dental care. SIGNA, one of the most recognized professional dental networks in the nation and boasts a provider network of over 49,000 participating dentists. Over 49,000 providers nationwide Save up to 80% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns. Orthodontics include for both children and adults at a 20% savings. Cosmetic dentistry such as bonding and veneers also included All specialties included-endocdontics, oral surgery, Orthodontics, Pediatric Dentistry, Periodontics, and Prosthodontics - a 20% reduction on normal fees where available All dentists must meet highly selective credentialing standards based one education, background, license standing and other requirements Members may visit any participating dentist on the plan and change providers at any time Prescription Services Your ARBA savings prescription program guarantees that you will receive the lowest price available for a prescription medication at a participating pharmacy. With a nationwide network of pharmacies honoring pre-negotiated contract prices, you are guaranteed the lowest price available at the point of purchase. The Network: ARBA, administered by Advanced PCS, is a managed care pharmacy benefit provider with a national network of more than 50,000 participating chain and independent pharmacies. Diabetic Supplies Program: save up up to 50% savings on all diabetic supplies through a convenient member home delivery service from over 50,000 participating pharmacies FREE Prescription Card Mail Order Pharmacy Save 50-85% The ARBA program includes a convenient and cost-effective way for you to order up to a 90-day supply of maintenance medications. Every mail order is shipped within 48 hours and delivered directly to your home. All you pay is the low discounted price. No fees or other costs are added. How USRB Works: When you present your membership card at a participating pharmacy, the ARBA computers go to work, checking for any possible allergic reactions or conflicts with your existing medications. Also, generic alternatives are searched out along with the best priced selection, since 10 different generics can have 10 very different prices! The computers then review the unique ARBA 4-tier default pricing system -- insuring you receive the best price every time, even if the pharmacy is running a special. To order your ARBA Card, simply call the ARBA Access Line at Your card will be mailed to you in approximately days.

4 Vision Care Services With ECPA Vision, members receive savings of 40-65% on eyeglasses and lenses, contact lenses and other retail eyewear items. Members have access to over 40,000 eye care professionals nationwide. Most frames, lenses, specialty items such as tints, scratch resistant coatings and ultraviolet protection are available. Through our Nationwide LASIK Network, you and your family members can receive discounts on the surgeon s lowest advertised price for LASIK surgery. The initial consultation is always free of charge, even if you choose not to proceed with the LASIK surgery. How To Access Your Discounts: Step 1: Locate the Eyemed Vision provider most convenient to you. For providers near you, click here Provider Search Step 2: Schedule an appointment. When making the appointment, tell the office that you are an Eyemed Vision member and provide your name and your member ID number. Step 3: When you arrive, identify yourself as an Eyemed Vision member and present your ID card. Hearing Care Lloyed Hearing Services Members have access to hearing aid discounts of 60% through Hearing Services providers. For years hearing loss was considered only a disease of the aging population. We are pleased to provide a hearing care discount program that makes hearing-aid services accessible, as well as affordable. Your hearing care program is provided by the manufacturers of the nations largest provider of top-quality hearing instruments, HearPO. As a member, you have access to discounts on hearing care services and products at over 1,600 locations throughout the nation. Your discounts on hearing services and products include audiology exams, hearing aids and more. As a member, you enjoy the following: 30% discount on hearing evaluations and exams 30-62% discount on all hearing aids Over 200 models of hearing aids available, including the newest programmable and digital technology Follow-up services at no charge for one year Access to over 1,600 locations nationwide

5 Chiropractic Services United Specialty Group United Specialty Group (USG) is specialty benefits company, involved exclusively in evidence-based complementary healthcare and health education. Members will have access to a wide variety of complementary health care programs administered by ASH and its affiliate Healthyroads Inc. With this Wellness program, members are able to: - Utilize a nationwide alternative health care network of nearly 20,000 credentialed providers. Receive a 25% discount off normal fees for services. The American Specialty Health alternative health care network includes Chiropractice, mmassage, Acupuncture, and Registered Dietitians. - Receive discounts on services from a national network of nearly 14,000 contracted chiropractors. Members may access providers directly without a physician referral, and may change providers at any time. - Receive discounts on hundreds of health and wellness products including vitamins, minerals, herbal supplements, homeopathic remedies, sports nutrition products, health related books and videotapes, fitness products, and skin care items, with free shipping on most orders. Key Features of United Specialty Group Network: - Access to networks that are fully credentialed and re-credentialed every two to three years - Unlimited visits and no limits on access to care - Full-line quality vitamins, minerals, herbs and supplements Save 10-30% on Chiropractic Services As a member, you have cost-effective access to one of the largest networks of chiropractors and other top qualified complementary health practitioners in the United States. Complete wellness program comprised of over 28,000 practitioners nationally 10-30% savings on chiropractic services and many types of alternative health care therapies including: - Acupuncture - Diet and nutritional counselors - Personal trainers - Chiropractic - Yoga - Massage Therapy/ Bodywork -Herbology/ Herbal Medicine

6 Nurse Line Members Enjoy all services listed below 24 hours per day, 365 days per year. 24 Hour Nurse Access Line - Access to licensed, Registered Nurses with one toll-free phone number 24 hours per day, 7 days per week and 365 days per year. - Receive home care recommendations based on more than 600 physician-approved guidelines - Information about prescription and over-the-counter medication usage and drug interactions - Decision support for certain high cost, high practice variation health conditions and diagnoses _ Information on a wide range of health and medical concerns, including nutrition and other wellness topics of interest to you - Audio Health Information Library of more than 1,100 recorded topics of which 550 topics are also available in Spanish Unlimited toll free, 24/7 access for registered nurses for you and your family You and your dependents have unlimited access to registered nurses via a toll free number. These nurses are specially trained to offer prompt, confidential medical counseling to help you make informed decisions about your families health and medical care. However, nurses diagnose or provide treatment. Features: - Toll Free confidential access to registered nurses 24 hours a day, 365 days a year. - Information Regarding - Treating common illnesses - Explanations as what to expect during medical testing - Diagnostic and surgical procedures - Recently diagnosed medical conditions - Prescription and over the counter medication information This service can you help you become more knowledgeable about health care services and more comfortable in partnership with your health care provider. How To Access This Benefits: simply call the toll free number provided in your membership materials a registered nurse will ask for basic information including your name, age, phone number, and type of health insurance coverage. He/she will then answer your questions, provide information and explanation, or guide and council you regarding your health care issues. Very important in life threatening emergencies call 911 Examples: Infant is crying at 2am in the morning that has a fever, what do you do? Call the Nurse Line

7 Questions and Answers

8 Your Information Payment by Credit Card Payment by Checking/Savings Account Dependant Information Package Type Agreement I understand that American Retirement Benefits Alliance (ARBA) packages are not insurance plans. I am solely responsible for the contracted rate for the services rendered by providers. I am enrolling to become a member of the ARBA Authorized Signature Date

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