HealthNow New York Inc. Mailing address: PO BOX 13599, Albany, New York Physical address: 30 Century Hill Drive, Latham, New York 12110

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1 HealthNow New York Inc. Mailing address: PO BOX 13599, Albany, New York Physical address: 30 Century Hill Drive, Latham, New York Benefit Chart of Medicare Supplement Plans Sold for Effective Dates on or After July 25, 2012 This chart shows the benefits included in each of the standard Medicare supplement plans. Every company must make available Plans A & B and either C or F. Some plans may not be available in your state. The plans we sell are A, B, C, F, F*, M and N. BASIC BENEFITS: Hospitalization: Medical Expenses: Blood: Hospice: Part A coinsurance plus coverage for 365 additional days in your lifetime after Medicare benefits end. Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. First three pints of blood each year. Part A coinsurance A B C D F/F* G K L M N Basic, including 100% Part B coinsurance Basic, including 100% Part B coinsurance Part A Basic, including 100% Part B coinsurance Skilled Nursing Facility Coinsurance Part A Part B Foreign Travel Emergency Basic, including 100% Part B coinsurance Skilled Nursing Facility Coinsurance Part A Foreign Travel Emergency Basic, including 100% Part B coinsurance Skilled Nursing Facility Coinsurance Part A Part B Part B Excess (100%) Foreign Travel Emergency Basic, including 100% Part B coinsurance Skilled Nursing Facility Coinsurance Part A Part B Excess (100%) Foreign Travel Emergency Hospitalization and preventative care paid at 100%; other basic benefits paid at 50% 50% Skilled Nursing Facility Coinsurance 50% Part A Out-of-Pocket Limit $4,620 paid at 100% after limit reached Hospitalization and preventative care paid at 100%; other basic benefits paid at 75% 75% Skilled Nursing Facility Coinsurance 75% Part A Out-of-Pocket Limit $2,310 paid at 100% after limit reached Basic, including 100% Part B coinsurance Skilled Nursing Facility Coinsurance Part A Foreign Travel Emergency Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled Nursing Facility Coinsurance Part A Foreign Travel Emergency *Plan "F" also has an option called a high deductible Plan "F". This high deductible plan pays the same benefits as Plan "F" after one has paid a calendar year $2,000 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses are $2,000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan's separate foreign travel emergency deductible. CG1D3F0385 Page 1 of 19

2 PREMIUM INFORMATION HealthNow New York Inc. can only raise your premium if we raise the premium for all policies like yours in this state. Service Area Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk and Westchester counties PLAN TYPE MONTHLY PREMIUM QUARTERLY PREMIUM SEMI-ANNUAL PREMIUM ANNUAL PREMIUM Plan A $ $ $1, $ Plan B $ $ $1, $3, Plan C $ $ $1, $3, Plan F $ $ $1, $3, Plan F* $ $ $ $1, Plan M $ $ $1, $3, Plan N $ $ $1, $3, Rates effective 07/25/2012 CG1D3F0385 Page 2 of 19

3 DISCLOSURES Use this outline to compare benefits and premiums among policies. This outline shows benefits and premiums of policies sold for effective dates on or after July 25, READ YOUR POLICY VERY CAREFULLY This is only an outline describing your policy's most important features. The policy is your insurance contract. You must read the policy itself to understand all of the rights and duties of both you and your insurance company. RIGHT TO RETURN POLICY If you find that you are not satisfied with your policy, you may return it to HealthNow New York Inc., Attention: Marketing Department, PO Box 13599, Albany, New York If you send the policy back to us within 30 days after you receive it, we will treat the policy as if it had never been issued and return all of your payments. POLICY REPLACEMENT If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new policy and are sure you want to keep it. NOTICE This policy may not fully cover all of your medical costs. Neither HealthNow New York Inc., nor its agents are connected with Medicare. This Outline of Coverage does not give all the details of Medicare coverage. Contact your local Social Security office or consult "Medicare and You" for more details. COMPLETE ANSWERS ARE VERY IMPORTANT Review the application carefully before you sign it. Be certain that all information has been properly recorded. CG1D3F0385 Page 3 of 19

4 PLAN A MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. HOSPITALIZATION* SERVICES MEDICARE PAYS PLAN A PAYS WITH PLAN A YOU PAY Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $1156 $0 $1156 (Part A deductible) 61 st thru 90 th day All but $289 a day $289 a day $0 91 st day and after: All but $578 a day $578 a day $0 While using 60 Lifetime Reserve days Once Lifetime Reserve days are used: - Additional 365 days (lifetime) $0 100% of Medicareeligible $0 expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21 st thru 100 th day All but $ a day $0 Up to $ a day 101 st day and after $0 $0 All costs BLOOD (per calendar year) First three pints $0 Three pints $0 Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayments/coinsurance $0 CG1D3F0385 Page 4 of 19

5 PLAN A MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR * Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN A PAYS WITH PLAN A YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) Remainder of Medicare-approved amounts Generally 80% Generally 20% $0 Part B excess charges (Above Medicare-approved $0 $0 All costs amounts) BLOOD First three pints $0 All costs $0 Next $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) CLINICAL LABORATORY SERVICES TESTS FOR DIAGNOSTIC SERVICES MEDICARE PARTS A & B HOME HEALTH CARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) CG1D3F0385 Page 5 of 19

6 PLAN B MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. HOSPITALIZATION* SERVICES MEDICARE PAYS PLAN B PAYS WITH PLAN B YOU PAY Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $1156 $1156 (Part A deductible) $0 61 st thru 90 th day All but $289 a day $289 a day $0 91 st day and after: All but $578 a day $578 a day $0 While using 60 Lifetime Reserve days Once Lifetime Reserve days are used: - Additional 365 days (lifetime) $0 100% of Medicareeligible $0 expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21 st thru 100 th day All but $ a day $0 Up to $ a day 101 st day and after $0 $0 All costs BLOOD (per calendar year) First three pints $0 Three pints $0 Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayments/coinsurance $0 CG1D3F0385 Page 6 of 19

7 PLAN B MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR * Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN B PAYS WITH PLAN B YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) Remainder of Medicare-approved amounts Generally 80% Generally 20% $0 Part B excess charges (Above Medicare-approved amounts) $0 $0 All costs BLOOD First three pints $0 All costs $0 Next $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) CLINICAL LABORATORY SERVICES BLOOD TESTS FOR DIAGNOSTIC SERVICES MEDICARE PARTS A & B HOME HEALTH CARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) CG1D3F0385 Page 7 of 19

8 PLAN C MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN C PAYS WITH PLAN C YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $1156 $1156 (Part A deductible) $0 61 st thru 90 th day All but $289 a day $289 a day $0 91 st day and after: All but $578 a day $578 a day $0 While using 60 Lifetime Reserve days Once Lifetime Reserve days are used: - Additional 365 days (lifetime) $0 100% of Medicare-eligible $0 expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21 st thru 100 th day All but $ a day Up to $ a day $0 101 st day and after $0 $0 All costs BLOOD (per calendar year) First three pints $0 Three pints $0 Additional amounts HOSPICE CARE All but very limited Medicare $0 You must meet Medicare s requirements, including a copayment/coinsurance for copayments/coinsurance doctor s certification of terminal illness outpatient drugs and inpatient respite care CG1D3F0385 Page 8 of 19

9 PLAN C MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR * Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN C PAYS WITH PLAN C YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 Remainder of Medicare-approved amounts Generally 80% Generally 20% $0 Part B excess charges (Above Medicare-approved amounts) $0 $0 All costs BLOOD First three pints $0 All costs $0 Next $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 CLINICAL LABORATORY SERVICES TESTS FOR DIAGNOSTIC SERVICES MEDICARE PARTS A & B HOME HEALTH CARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 OTHER BENEFITS NOT COVERED BY MEDICARE FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime Maximum Benefit of $50,000 20% and amounts over the $50,000 lifetime maximum CG1D3F0385 Page 9 of 19

10 PLAN F MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN F PAYS WITH PLAN F YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $1156 $1156 (Part A deductible) $0 61 st thru 90 th day All but $289 a day $289 a day $0 91 st day and after: All but $578 a day $578 a day $0 While using 60 Lifetime Reserve days Once Lifetime Reserve days are used: - Additional 365 days (lifetime) $0 100% of Medicare-eligible $0 expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21 st thru 100 th day All but $144.50a day Up to $ a day $0 101 st day and after $0 $0 All costs BLOOD (per calendar year) First three pints $0 Three pints $0 Additional amounts HOSPICE CARE All but very limited Medicare $0 You must meet Medicare s requirements, including a copayment/coinsurance for copayments/coinsurance doctor s certification of terminal illness outpatient drugs and inpatient respite care CG1D3F0385 Page 10 of 19

11 PLAN F MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR * Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN F PAYS WITH PLAN F YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 Remainder of Medicare-approved amounts Generally 80% Generally 20% $0 Part B excess charges (Above Medicare-approved amounts) $0 All costs $0 BLOOD First three pints $0 All costs $0 Next $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 CLINICAL LABORATORY SERVICES TESTS FOR DIAGNOSTIC SERVICES MEDICARE PARTS A & B HOME HEALTH CARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 OTHER BENEFITS NOT COVERED BY MEDICARE FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime Maximum Benefit of $50,000 20% and amounts over the $50,000 lifetime maximum CG1D3F0385 Page 11 of 19

12 HIGH DEDUCTIBLE PLAN F MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. ** This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,000 deductible. Benefits from the high deductible F plan will not begin until out-of-pocket expenses are $2,000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by this policy. This includes Medicare deductibles for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. SERVICES MEDICARE PAYS PLAN F+ PAYS WITH PLAN F+ YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $1156 $1156 (Part A deductible) $0 61 st thru 90 th day All but $289 a day $289 a day $0 91 st day and after: All but $578 a day $578 a day $0 While using 60 Lifetime Reserve days Once Lifetime Reserve days are used: - Additional 365 days (lifetime) $0 100% of Medicare-eligible $0 expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21 st thru 100 th day All but $ a day Up to $ a day $0 101 st day and after $0 $0 All costs BLOOD (per calendar year) First three pints $0 Three pints $0 Additional amounts HOSPICE CARE All but very limited Medicare $0 copayment/coinsurance for You must meet Medicare s requirements, including a copayments/coinsurance outpatient drugs and inpatient doctor s certification of terminal illness respite care CG1D3F0385 Page 12 of 19

13 HIGH DEDUCTIBLE PLAN F MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR *Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. ** This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,000 deductible. Benefits from the high deductible F plan will not begin until out-of-pocket expenses are $2,000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by this policy. This includes Medicare deductibles for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. SERVICES MEDICARE PAYS PLAN F+ PAYS WITH PLAN F+ YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 Remainder of Medicare-approved amounts Generally 80% Generally 20% $0 Part B excess charges (Above Medicare-approved amounts) $0 All costs $0 BLOOD First three pints $0 All costs $0 Next $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 CLINICAL LABORATORY SERVICES TESTS FOR DIAGNOSTIC SERVICES CG1D3F0385 Page 13 of 19

14 HIGH DEDUCTIBLE PLAN F MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR *Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. ** This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,000 deductible. Benefits from the high deductible F plan will not begin until out-of-pocket expenses are $2,000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by this policy. This includes Medicare deductibles for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. HOME HEALTH CARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies MEDICARE PARTS A & B Durable medical equipment First $140 of Medicare-approved amounts* $0 $140 (Part B deductible) $0 OTHER BENEFITS NOT COVERED BY MEDICARE FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime Maximum Benefit of $50,000 20% and amounts over the $50,000 lifetime maximum CG1D3F0385 Page 14 of 19

15 PLAN M MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN M PAYS WITH PLAN M YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $1156 $578 (50% of Part A deductible) $578 (50% of Part A deductible) 61 st thru 90 th day All but $289 a day $289 a day $0 91 st day and after: All but $578 a day $578 a day $0 While using 60 Lifetime Reserve days Once Lifetime Reserve days are used: - Additional 365 days (lifetime) $0 100% of Medicare-eligible $0 expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21 st thru 100 th day All but $ a day Up to $ a day $0 101 st day and after $0 $0 All costs BLOOD (per calendar year) First three pints $0 Three pints $0 Additional amounts HOSPICE CARE All but very limited Medicare $0 You must meet Medicare s requirements, including a copayment/coinsurance for copayments/coinsurance doctor s certification of terminal illness outpatient drugs and inpatient respite care CG1D3F0385 Page 15 of 19

16 PLAN M MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR * Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN M PAYS WITH PLAN M YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) Remainder of Medicare-approved amounts Generally 80% Generally 20% $0 Part B excess charges (Above Medicare-approved amounts) $0 $0 All costs BLOOD First three pints $0 All costs $0 Next $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) CLINICAL LABORATORY SERVICES TESTS FOR DIAGNOSTIC SERVICES MEDICARE PARTS A & B HOME HEALTH CARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies Durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) OTHER BENEFITS NOT COVERED BY MEDICARE FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime Maximum Benefit of $50,000 20% and amounts over the $50,000 lifetime maximum CG1D3F0385 Page 16 of 19

17 PLAN N MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN N PAYS WITH PLAN N YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $1156 $1156 (Part A deductible) $0 61 st thru 90 th day All but $289 a day $289 a day 0 91 st day and after: All but $578 a day $578 a day $0 While using 60 Lifetime Reserve days Once Lifetime Reserve days are used: - Additional 365 days (lifetime) $0 100% of Medicare-eligible $0 expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least three days and entered a Medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21 st thru 100 th day All but $ a day Up to $ a day $0 101 st day and after $0 $0 All costs BLOOD (per calendar year) First three pints $0 Three pints $0 Additional amounts HOSPICE CARE All but very limited Medicare $0 You must meet Medicare s requirements, including a copayment/coinsurance for copayments/coinsurance doctor s certification of terminal illness outpatient drugs and inpatient respite care CG1D3F0385 Page 17 of 19

18 PLAN N MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR * Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN N PAYS WITH PLAN N YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) Remainder of Medicare-approved amounts Generally 80% Balance, other than up to Up to $20 per office visit $20 per office visit and up and up to $50 per to $50 per emergency room emergency room visit. The visit. The copayment of up copayment of up to $50 is to $50 is waived if the waived if the insured is insured is admitted to any admitted to any hospital hospital and the emergency and the emergency visit is visit is covered as a covered as a Medicare Medicare Part A expense. Part A expense. Part B excess charges (Above Medicare-approved amounts) $0 $0 All costs BLOOD First three pints $0 All costs $0 Next $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) CLINICAL LABORATORY SERVICES TESTS FOR DIAGNOSTIC SERVICES HOME HEALTH CARE MEDICARE-APPROVED SERVICES Medically necessary skilled care services and medical supplies MEDICARE PARTS A & B Durable medical equipment First $140 of Medicare-approved amounts* $0 $0 $140 (Part B deductible) CG1D3F0385 Page 18 of 19

19 PLAN N MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR * Once you have been billed $140 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B will have been met for the calendar year. OTHER BENEFITS NOT COVERED BY MEDICARE FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime Maximum Benefit of $50,000 20% and amounts over the $50,000 lifetime maximum CG1D3F0385 Page 19 of 19