MEDICARE SUPPLEMENT INSURANCE RATES FOR MISSOURI RESIDENTS

2016 MEDICARE SUPPLEMENT INSURANCE RATES FOR MISSOURI RESIDENTS Medicare supplement insurance is sold in 10 standard plans plus one high-deductible plan. The information in this brochure shows the benefits included in each plan. Every company must make available Plan A. MCM MSUPPMO-7/15

BENEFITS BASIC BENEFITS Blue Cross and Blue Shield of Kansas City (Blue KC) offers the plans highlighted in blue. Hospitalization Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. Medical Expenses Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments. First three pints of blood each year. Hospice Part A coinsurance Benefits A B C D F F* G K L M N** Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Medicare Part B coinsurance or copayment 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% (first 3 pints) 100% 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Part A hospice care coinsurance or copayment Skilled nursing facility care coinsurance 100% 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% Medicare Part A deductible 100% 100% 100% 100% 100% 100% 50% 75% 50% 100% Medicare Part B deductible 100% 100% 100% Medicare Part B excess charges 100% 100% 100% Foreign travel emergency (up to plan limits) 100% 100% 100% 100% 100% 100% Out-of-pocket Limit $4,960 $2,480 * Plan F also has an option called a high-deductible Plan F, which is not offered by Blue KC. This high-deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,180 deductible. Benefits from the high-deductible Plan F will not begin until out-of-pocket expenses are $2,180. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. ** Basic benefits, including Part B coinsurance, EXCEPT up to $20 copayment for some office visits and up to $50 copayment for emergency room visits that don t result in an inpatient admission. MCM MSUPPMO-7/15 Page 2

IN SIMPLE TERMS, WHAT DO THE PLANS COVER? Plan A For basic coverage at the lowest premium, choose Plan A. You ll be responsible for paying your Part A deductible and Part B deductible. The plan will pay the coinsurance thereafter, including hospitalization for 365 days after Medicare coverage ceases. It also pays for 20% of Part B coinsurance. Plan B Plan B offers the basic coverage of Plan A, but also pays your Part A deductible. Plan C Plan C provides a blend of coverage and affordability. It offers the basic coverage of Plan A, but also pays your Part A deductible and your Part B deductible. It also pays for your coinsurance for skilled nursing coverage and emergency care if you travel abroad. Plan F You ll be entitled to all the coverage of Plan C, plus 100% of Medicare Part B excess charges. Plan N You ll be entitled to all the coverage of Plan D, except you will be subject to up to a $20 copayment for office visits and up to a $50 copayment for emergency services. MEDICARE SUPPLEMENT BENEFITS FOR MISSOURI RESIDENTS DISCLOSURES This outline shows benefits and premiums of policies sold for effective dates on or after January 1, 2016. Policies sold for effective dates prior to January 1, 2016 may have different benefits and/or premiums. Plans E, H, I, and J are no longer available for sale. 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 Blue KC, P.O. Box 419071, Kansas City, Missouri 64141-6071. 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. RENEWAL CONDITIONS You may renew this policy as long as you live by paying the premium on time. We cannot cancel or refuse to renew your policy, or place any restrictions on it, other than for non-payment or for fraudulent misstatements made by you in your application for the policy. The ability to move from one product to another may be restricted. CANCELLATION BY INSURED (FOR INDIVIDUAL POLICIES ONLY) You may cancel this policy at any time by written notice delivered or mailed to the insurer, effective upon receipt of such notice or on such late date as may be specified in such notice. In the event of cancellation or death of the insured, the insurer will promptly return the unearned portion of any premium paid. The earned premium shall be computed by the use of the short-rate table as filed with the state official having supervision of the insurance in the state where the insured resided when the policy was issued pro-rata. Cancellation shall be without prejudice to any claim originating prior to the effective date of cancellation. RIGHT TO CHANGE Your benefits are designed to cover cost sharing amounts under Medicare. These benefits will be changed automatically to coincide with any changes in the applicable Medicare deductible and coinsurance amounts. In addition, premiums may be modified to correspond with such changes at any time by providing you with at least 30 days notice. The notice may be provided via contract rider or some other appropriate means and will be mailed to you at the address which appears on our records. If you continue payment of premium after notice has been provided, it is agreed that such change is acceptable to you. NOTICE This policy may not fully cover all of your medical costs. BLUE KC IS NOT CONNECTED WITH MEDICARE This outline of coverage does not give all the details of Medicare coverage. Contact your local Social Security Office at 1-800-772-1213 or consult The Medicare Handbook, available online at medicare.gov/publications/pubs/pdf/10050.pdf, for more details. COMPLETE ANSWERS ARE VERY IMPORTANT When you fill out the application for the new policy, be sure to answer truthfully and complete all questions about your medical and health history. The company may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information. Review the application carefully before you sign it. Be certain that all information has been properly recorded. MCM MSUPPMO-7/15 Page 3

PLAN A BENEFITS MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD Hospitalization* Semiprivate room and board, general nursing and miscellaneous services and supplies. First 60 days All but $1,288 $1,288 (Part A 61 st thru 90 th day All but $322 a day $322 a day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: All but $644 a day $644 a day Additional 365 days 100% of Medicareeligible expenses Beyond the additional 365 days All costs Skilled Nursing Facility Care* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital. First 20 days All approved amounts 21 st thru 100 th day All but $161 a day Up to $161 a day 101 st day and after All costs First 3 pints 3 pints Additional amounts 100% 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 copayment/ coinsurance ** *A benefit period begins on the first day you receive services 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. **NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid. MCM MSUPPMO-7/15 Page 4

PLAN A BENEFITS A MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR Medical Expenses In or out of the hospital and outpatient hospital treatment, such as physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Part B Excess Charges (Above Medicare-approved amounts) All costs First 3 pints All costs Next $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Clinical Laboratory Services Tests for diagnostic services 100% PARTS A&B Home Healthcare Medicare-approved services Medically necessary skilled-care services and medical supplies 100% Durable medical equipment $166 (Part B First $166 of Medicare-approved amounts Remainder of Medicare-approved amounts 80% 20% Once you have been billed $166 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year. MCM MSUPPMO-7/15 Page 5

PLAN B BENEFITS MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD Hospitalization* Semiprivate room and board, general nursing and miscellaneous services and supplies. First 60 days All but $1,288 $1,288 (Part A 61 st thru 90 th day All but $322 a day $322 a day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: All but $644 a day $644 a day Additional 365 days 100% of Medicareeligible expenses Beyond the additional 365 days All costs Skilled Nursing Facility Care* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital. First 20 days All approved amounts 21 st thru 100 th day All but $161 a day Up to $161 a day 101 st day and after All costs First 3 pints 3 pints Additional amounts 100% 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 copayment/ coinsurance ** *A benefit period begins on the first day you receive services 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. **NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid. MCM MSUPPMO-7/15 Page 6

PLAN B BENEFITS B MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR Medical Expenses In or out of the hospital and outpatient hospital treatment, such as physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Part B Excess Charges (Above Medicare-approved amounts) All costs First 3 pints All costs Next $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Clinical Laboratory Services Tests for diagnostic services 100% PARTS A&B Home Healthcare Medicare-approved services Medically necessary skilled-care services and medical supplies 100% Durable medical equipment $166 (Part B First $166 of Medicare-approved amounts Remainder of Medicare-approved amounts 80% 20% Once you have been billed $166 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year. MCM MSUPPMO-7/15 Page 7

PLAN C BENEFITS MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD Hospitalization* Semiprivate room and board, general nursing and miscellaneous services and supplies. First 60 days All but $1,288 $1,288 (Part A 61 st thru 90 th day All but $322 a day $322 a day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: All but $644 a day $644 a day Additional 365 days 100% of Medicareeligible expenses Beyond the additional 365 days All costs Skilled Nursing Facility Care* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital. First 20 days All approved amounts 21 st thru 100 th day All but $161 a day Up to $161 a day 101 st day and after All costs First 3 pints 3 pints Additional amounts 100% 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 copayment/ coinsurance ** *A benefit period begins on the first day you receive services 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. **NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid. MCM MSUPPMO-7/15 Page 8

PLAN C BENEFITS C MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR Medical Expenses In or out of the hospital and outpatient hospital treatment, such as physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Part B Excess Charges (Above Medicare-approved amounts) All costs First 3 pints All costs Next $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Clinical Laboratory Services Tests for diagnostic services 100% PARTS A&B Home Healthcare Medicare-approved services Medically necessary skilled-care services and medical supplies 100% Durable medical equipment $166 (Part B First $166 of Medicare-approved amounts Remainder of Medicare-approved amounts 80% 20% 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 $250 Remainder of charges 80% to a lifetime max benefit of $50,000 20% and amounts over the $50,000 lifetime max Once you have been billed $166 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year. MCM MSUPPMO-7/15 Page 9

PLAN F BENEFITS MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD Hospitalization* Semiprivate room and board, general nursing and miscellaneous services and supplies. First 60 days All but $1,288 $1,288 (Part A 61 st thru 90 th day All but $322 a day $322 a day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: All but $644 a day $644 a day Additional 365 days 100% of Medicareeligible expenses Beyond the additional 365 days All costs Skilled Nursing Facility Care* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital. First 20 days All approved amounts 21 st thru 100 th day All but $161 a day Up to $161 a day 101 st day and after All costs First 3 pints 3 pints Additional amounts 100% 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 copayment/ coinsurance ** *A benefit period begins on the first day you receive services 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. **NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid. MCM MSUPPMO-7/15 Page 10

PLAN F BENEFITS F MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR Medical Expenses In or out of the hospital and outpatient hospital treatment, such as physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Part B Excess Charges (Above Medicare-approved amounts) 100% First 3 pints All costs Next $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Clinical Laboratory Services Tests for diagnostic services 100% PARTS A&B Home Healthcare Medicare-approved services Medically necessary skilled-care services and medical supplies 100% Durable medical equipment $166 (Part B First $166 of Medicare-approved amounts Remainder of Medicare-approved amounts 80% 20% 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 $250 Remainder of charges 80% to a lifetime max benefit of $50,000 20% and amounts over the $50,000 lifetime max Once you have been billed $166 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year. MCM MSUPPMO-7/15 Page 11

PLAN N BENEFITS MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD Hospitalization* Semiprivate room and board, general nursing and miscellaneous services and supplies. First 60 days All but $1,288 $1,288 (Part A 61 st thru 90 th day All but $322 a day $322 a day 91 st day and after: While using 60 lifetime reserve days Once lifetime reserve days are used: All but $644 a day $644 a day Additional 365 days 100% of Medicareeligible expenses Beyond the additional 365 days All costs Skilled Nursing Facility Care* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital. First 20 days All approved amounts 21 st thru 100 th day All but $161 a day Up to $161 a day 101 st day and after All costs First 3 pints 3 pints Additional amounts 100% 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 copayment/ coinsurance ** *A benefit period begins on the first day you receive services 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. **NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid. MCM MSUPPMO-7/15 Page 12

PLAN N BENEFITS N MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR Medical Expenses In or out of the hospital and outpatient hospital treatment, such as physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% Part B Excess Charges (Above Medicare-approved amounts) All costs Balance, other than up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. First 3 pints All costs Next $166 of Medicare-approved amounts $166 (Part B Remainder of Medicare-approved amounts 80% 20% Up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. Clinical Laboratory Services Tests for diagnostic services 100% PARTS A&B Home Healthcare Medicare-approved services Medically necessary skilled-care services and medical supplies 100% Durable medical equipment $166 (Part B First $166 of Medicare-approved amounts Remainder of Medicare-approved amounts 80% 20% 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 $250 Remainder of charges 80% to a lifetime max benefit of $50,000 20% and amounts over the $50,000 lifetime max Once you have been billed $166 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year. MCM MSUPPMO-7/15 Page 13

2016 MEDICARE SUPPLEMENT HEALTH ONLY INSURANCE RATES FOR PLANS A, C, F & N: MISSOURI RESIDENTS PLAN A PLAN C PLAN F PLAN N ISSUE AGE 1 MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE Disabled $175 $166 $261 $246 $246 $233 $194 $184 65 $159 $151 $238 $224 $224 $212 $177 $167 66 $186 $175 $279 $262 $262 $246 $208 $194 67 $195 $184 $290 $274 $274 $260 $217 $205 68 $203 $189 $303 $285 $284 $267 $225 $212 69 $209 $197 $312 $293 $294 $276 $232 $218 70 $216 $204 $322 $304 $303 $287 $240 $227 71 $223 $210 $333 $313 $313 $295 $248 $234 72 $231 $216 $342 $322 $322 $303 $255 $240 73 $236 $223 $353 $333 $332 $313 $263 $248 74 $243 $230 $364 $342 $342 $322 $270 $255 75 $251 $236 $373 $353 $351 $331 $279 $263 76 $258 $242 $385 $362 $362 $340 $286 $269 77 $264 $249 $394 $371 $371 $349 $293 $277 78 $271 $256 $404 $381 $380 $360 $302 $284 79 $279 $262 $415 $391 $390 $367 $309 $291 80+ $286 $269 $425 $400 $401 $377 $316 $299 Premium rates are based on the age and gender of the insured on the effective date of the contract. Premiums may change once per 12-month period due to medical costs. 1 Issue Age is your age as of the effective date of the Medicare supplement policy that you are applying for with Blue KC. MCM MSUPPMO-7/15 Page 14

2016 MEDICARE SUPPLEMENT HEALTH & DENTAL* INSURANCE RATES FOR PLANS A, C, F & N: MISSOURI RESIDENTS PLAN A PLAN C PLAN F PLAN N ISSUE AGE 1 MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE Disabled $197 $188 $283 $268 $268 $255 $216 $206 65 $181 $173 $260 $246 $246 $234 $199 $189 66 $208 $197 $301 $284 $284 $268 $230 $216 67 $217 $206 $312 $296 $296 $282 $239 $227 68 $225 $211 $325 $307 $306 $289 $247 $234 69 $231 $219 $334 $315 $316 $298 $254 $240 70 $238 $226 $344 $326 $325 $309 $262 $249 71 $245 $232 $355 $335 $335 $317 $270 $256 72 $253 $238 $364 $344 $344 $325 $277 $262 73 $258 $245 $375 $355 $354 $335 $285 $270 74 $265 $252 $386 $364 $364 $344 $292 $277 75 $273 $258 $395 $375 $373 $353 $301 $285 76 $280 $264 $407 $384 $384 $362 $308 $291 77 $286 $271 $416 $393 $393 $371 $315 $299 78 $293 $278 $426 $403 $402 $382 $324 $306 79 $301 $284 $437 $413 $412 $389 $331 $313 80+ $308 $291 $447 $422 $423 $399 $338 $321 Premium rates are based on the age and gender of the insured on the effective date of the contract. Premiums may change once per 12-month period due to medical costs. 1 Issue Age is your age as of the effective date of the Medicare supplement policy that you are applying for with Blue KC. * More information about Blue KC dental plans can be found on page 18 of this brochure. MCM MSUPPMO-7/15 Page 15

2016 MEDICARE SELECT HEALTH ONLY INSURANCE RATES FOR PLANS A, C, F & N: MISSOURI RESIDENTS Medicare Select Participating Hospitals» Belton Regional Hospital, Belton, MO» Cass Medical Center, Harrisonville, MO» Centerpoint Medical Center, Independence, MO» Excelsior Springs Medical Center, Excelsior Springs, MO» Lafayette Regional Health Center, Lexington, MO» Lee s Summit Medical Center, Lee s Summit, MO» Menorah Medical Center, Overland Park, KS» North Kansas City Hospital, North Kansas City, MO» Overland Park Regional Medical Center, Overland Park, KS» Research Medical Center, Kansas City, MO» University of Kansas Medical Center, Kansas City, KS Medicare Select is a Medicare supplement policy that requires you to use hospitals within its network to be eligible for the hospital benefits available under your contract. This restriction is required only for inpatient hospital stays. While there are no network restrictions on physicians (i.e., you are able to see your doctor of choice), you may want to check whether your physician has privileges at a Medicare Select participating hospital. This will ensure you are eligible for the available hospital benefits under your contract (in the case of an inpatient hospital admission). PLAN B PLAN C PLAN F PLAN N ISSUE AGE 1 MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE Disabled $177 $167 $222 $208 $209 $198 $139 $133 65 $161 $152 $203 $189 $190 $180 $127 $121 66 $188 $178 $235 $221 $222 $209 $148 $141 67 $197 $186 $247 $233 $233 $220 $156 $146 68 $204 $193 $256 $241 $241 $226 $161 $152 69 $211 $198 $264 $249 $249 $236 $167 $157 70 $218 $205 $273 $258 $257 $242 $172 $162 71 $226 $212 $282 $265 $266 $250 $179 $167 72 $233 $219 $290 $274 $274 $260 $183 $172 73 $239 $226 $299 $282 $283 $266 $189 $179 74 $247 $232 $309 $290 $291 $274 $194 $183 75 $254 $239 $317 $297 $298 $280 $201 $188 76 $261 $246 $326 $308 $308 $290 $205 $192 77 $266 $253 $335 $315 $316 $296 $211 $200 78 $274 $258 $343 $323 $323 $304 $216 $204 79 $281 $264 $353 $332 $332 $312 $222 $209 80 $288 $271 $362 $340 $340 $320 $227 $213 81 $294 $279 $370 $348 $348 $328 $232 $220 82 $303 $285 $379 $357 $357 $336 $240 $225 83 $310 $290 $387 $365 $365 $344 $244 $230 84 $316 $297 $395 $372 $373 $350 $250 $234 85+ $323 $305 $404 $381 $381 $360 $254 $241 Premium rates are based on the age and gender of the insured on the effective date of the contract. Premiums may change once per 12-month period due to medical costs. 1 Issue Age is your age as of the effective date of the Medicare supplement policy that you are applying for with Blue KC. MCM MSUPPMO-7/15 Page 16

2016 MEDICARE SELECT HEALTH & DENTAL* INSURANCE RATES FOR PLANS A, C, F & N: MISSOURI RESIDENTS Medicare Select Participating Hospitals» Belton Regional Hospital, Belton, MO» Cass Medical Center, Harrisonville, MO» Centerpoint Medical Center, Independence, MO» Excelsior Springs Medical Center, Excelsior Springs, MO» Lafayette Regional Health Center, Lexington, MO» Lee s Summit Medical Center, Lee s Summit, MO» Menorah Medical Center, Overland Park, KS» North Kansas City Hospital, North Kansas City, MO» Overland Park Regional Medical Center, Overland Park, KS» Research Medical Center, Kansas City, MO» University of Kansas Medical Center, Kansas City, KS Medicare Select is a Medicare supplement policy that requires you to use hospitals within its network to be eligible for the hospital benefits available under your contract. This restriction is required only for inpatient hospital stays. While there are no network restrictions on physicians (i.e., you are able to see your doctor of choice), you may want to check whether your physician has privileges at a Medicare Select participating hospital. This will ensure you are eligible for the available hospital benefits under your contract (in the case of an inpatient hospital admission). PLAN B PLAN C PLAN F PLAN N ISSUE AGE 1 MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE Disabled $199 $189 $244 $230 $231 $220 $161 $155 65 $183 $174 $225 $211 $212 $202 $149 $143 66 $210 $200 $257 $243 $244 $231 $170 $163 67 $219 $208 $269 $255 $255 $242 $178 $168 68 $226 $215 $278 $263 $263 $248 $183 $174 69 $233 $220 $286 $271 $271 $258 $189 $179 70 $240 $227 $295 $280 $279 $264 $194 $184 71 $248 $234 $304 $287 $288 $272 $201 $189 72 $255 $241 $312 $296 $296 $282 $205 $194 73 $261 $248 $321 $304 $305 $288 $211 $201 74 $269 $254 $331 $312 $313 $296 $216 $205 75 $276 $261 $339 $319 $320 $302 $223 $210 76 $283 $268 $348 $330 $330 $312 $227 $214 77 $288 $275 $357 $337 $338 $318 $233 $222 78 $296 $280 $365 $345 $345 $326 $238 $226 79 $303 $286 $375 $354 $354 $334 $244 $231 80 $310 $293 $384 $362 $362 $342 $249 $235 81 $316 $301 $392 $370 $370 $350 $254 $242 82 $325 $307 $401 $379 $379 $358 $262 $247 83 $332 $312 $409 $387 $387 $366 $266 $252 84 $338 $319 $417 $394 $395 $372 $272 $256 85+ $345 $327 $426 $403 $403 $382 $276 $263 Premium rates are based on the age and gender of the insured on the effective date of the contract. Premiums may change once per 12-month period due to medical costs. 1 Issue Age is your age as of the effective date of the Medicare supplement policy that you are applying for with Blue KC. * More information about Blue KC dental plans can be found on page 18 of this brochure. MCM MSUPPMO-7/15 Page 17

DENTAL PLAN INFORMATION When you choose dental insurance from Blue KC, you ll never think twice about keeping up on regular dental check-ups and care. Thanks to our stability and more than 75 years of experience, we re able to offer comprehensive dental plans. And, because we re located in Kansas City, we ll handle your claims, billing, and customer service locally so you can expect the most responsive service in town. We also provide an extensive list of in-network dentists, ensuring that you have choice and convenience in your dental care decisions. And, we ve made finding a local dentist simple. Just go to BlueKC.com to access our Dental Provider Directory and find a Preferred-Care Dental network dentist close to where you live or work. COVERED SERVICES Calendar Year Deductible Each Covered Person PREFERRED PROVIDER NON-PREFERRED PROVIDER Type I None None Type II $50 $50 Calendar Year Maximum Each Covered Person $1,000 $1,000 Type I Services No Coinsurance 15% Coinsurance Type II Services Deductible, then 20% Coinsurance Deductible, then 35% Coinsurance Waiting Period None None Dependent Limiting Age 26 26 Type I Services Diagnostic and Preventive Services Type II Services Basic Restorative Services; Endodontics; and Extractions These plans are not endorsed by or part of the Federal Government. All Medicare Supplement Plans offered by Blue KC are also available to individuals under the age of 65, disabled, and enrolled in Medicare. MCM MSUPPMO-7/15 Page 18

QUESTIONS? If you need more information or have questions, contact your broker or call Blue KC at 800-867-9014. You can also visit us online at BlueKC.com. MY PLAN I have purchased Medicare supplement plan with a premium of $ paid on a(n) basis. This amount does not include any optional riders. (premium mode) Name and Address of agent/broker: MCM MSUPPMO-7/15 Page 19

BlueKC.com 800-867-9014 MCM MSUPPMO-7/15 Blue Cross and Blue Shield of Kansas City is an Indepedent Licensee of the Blue Cross and Blue Shield Association.