A B C D F F* G K L M N Basic,

1515 South 75th Street Omaha, Nebraska 68124 Outline of Medicare Supplement Coverage Benefit Plans A, D, and F www.gomedico.com Toll-Free 1-800-228-6080 This chart shows the benefits included in each of the standard Medicare supplement plans. Every company must make Plan "A" available. Some plans may not be available in your state. Basic Benefits: Hospitalization Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. Medical Expenses 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 coinsurance or copayments. Blood First three pints of blood each year. Hospice Part A coinsurance. A B C D F F* G K L M N Basic, Basic, Basic, Basic, Basic, Hospitalization Hospitalization Basic, including including including including including and preventive and preventive including 100% 100% 100% 100% 100% care paid at care paid at 100% 100%; other 100%; other coinsurance coinsurance coinsurance coinsurance coinsurance* coinsurance basic benefits basic benefits Basic, including 100% coinsurance Part A Skilled Part A Foreign Travel Emergency Skilled Part A Foreign Travel Emergency Skilled Part A Excess (100%) Foreign Travel Emergency Skilled Part A Excess (100%) Foreign Travel Emergency paid at 50% 50% Skilled 50% Part A Out-of-pocket $4660; paid at 100% after limit reached paid at 75% 75% Skilled 75% Part A Out-of-pocket $2330; paid at 100% after limit reached Skilled 50% Part A Foreign Travel Emergency Basic, including 100% coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER Skilled 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 $2070 deductible. Benefits from high deductible plan F will not begin until out-of-pocket expenses exceed $2070. 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, but do not include the plan s separate foreign travel emergency deductible. MI9F-4363(OR)-B 01012012

MONTHLY PREMIUMS FOR MEDICARE SUPPLEMENT INSURANCE POLICY SERIES A20 PLANS A, D AND F Zip Codes: 970, 971, 972, 973, 974 and 975 Female Male Attained Preferred Standard Preferred Standard Age Plan A Plan D Plan F Plan A Plan D Plan F Plan A Plan D Plan F Plan A Plan D Plan F 0-67 $76.57 $103.07 $112.58 $88.01 $118.47 $129.41 $90.08 $118.54 $129.57 $103.54 $136.25 $148.94 68 79.90 108.01 117.54 91.84 124.15 135.11 94.00 124.16 135.28 108.05 142.72 155.50 69 83.18 112.94 122.49 95.61 129.82 140.80 97.86 129.77 140.97 112.48 149.16 162.04 70 86.39 117.84 127.41 99.30 135.45 146.45 101.64 135.34 146.61 116.83 155.56 168.52 71 89.63 123.06 132.68 103.03 141.45 152.51 104.97 140.32 151.64 120.65 161.29 174.30 72 92.78 128.20 137.86 106.64 147.36 158.46 108.31 145.34 156.69 124.50 167.05 180.11 73 95.75 133.16 142.87 110.06 153.06 164.22 111.69 150.42 161.81 128.38 172.90 185.99 74 98.46 137.87 147.63 113.17 158.47 169.70 115.11 155.62 167.02 132.31 178.87 191.98 75 100.81 142.23 152.06 115.88 163.49 174.78 118.60 160.95 172.36 136.33 185.00 198.12 76 102.76 146.20 156.09 118.11 168.05 179.41 122.15 166.43 177.83 140.40 191.30 204.40 77 104.37 149.85 159.80 119.96 172.25 183.68 125.66 171.94 183.32 144.44 197.63 210.71 78 105.75 153.29 163.31 121.55 176.20 187.71 129.02 177.33 188.68 148.30 203.82 216.88 79 107.00 156.63 166.70 122.99 180.04 191.61 132.11 182.45 193.79 151.85 209.72 222.75 80 108.25 159.99 170.10 124.42 183.89 195.52 134.81 187.18 198.51 154.95 215.14 228.17 81 109.56 163.43 173.58 125.93 187.85 199.51 137.04 191.38 202.73 157.52 219.98 233.02 82 110.93 166.95 177.12 127.51 191.90 203.58 138.89 195.16 206.53 159.65 224.32 237.39 83 112.33 170.50 180.68 129.12 195.98 207.68 140.48 198.63 210.03 161.47 228.31 241.42 84 113.74 174.04 184.23 130.73 200.05 211.76 141.91 201.90 213.34 163.12 232.07 245.22 85 115.11 177.52 187.72 132.31 204.05 215.77 143.32 205.10 216.58 164.74 235.74 248.95 86 116.43 180.90 191.11 133.82 207.93 219.67 144.79 208.31 219.84 166.43 239.44 252.69 87 117.66 184.15 194.38 135.24 211.67 223.43 146.28 211.50 223.06 168.14 243.10 256.39 88 118.77 187.25 197.50 136.52 215.23 227.01 147.71 214.58 226.16 169.78 246.64 259.96 89 119.75 190.16 200.43 137.65 218.58 230.38 149.00 217.47 229.08 171.27 249.97 263.31 90 120.56 192.86 203.15 138.58 221.68 233.50 150.09 220.10 231.73 172.52 252.99 266.36 91 121.19 195.33 205.63 139.29 224.52 236.36 150.91 222.41 234.06 173.47 255.65 269.04 92 121.66 197.62 207.93 139.84 227.15 239.00 151.51 224.45 236.11 174.15 257.99 271.39 93 122.01 199.75 210.08 140.24 229.60 241.47 151.94 226.28 237.96 174.64 260.09 273.51 94 122.29 201.80 212.13 140.56 231.95 243.83 152.25 227.97 239.66 175.01 262.03 275.48 95 & Over 122.52 203.79 214.13 140.83 234.24 246.13 152.51 229.59 241.30 175.30 263.90 277.36 *Premium rates shown above were approved in Oregon on September 7, 2011, and are effective on January 1, 2012. Premiums payable other than by the monthly bank withdrawal mode may be determined by the following factors (monthly direct bill is not available): Quarterly Semi-Annual Annual Automatic Bank Withdrawal 3 N/A N/A Direct Billed 3.24 6.24 12 Note: Due to rounding, premium amounts you calculate may differ by a few cents from the actual premium you will be charged. MI9F-4363(OR)-B 2

MONTHLY PREMIUMS FOR MEDICARE SUPPLEMENT INSURANCE POLICY SERIES A20 PLANS A, D AND F Zip Codes: 976, 977, 978 and 979 Female Male Attained Preferred Standard Preferred Standard Age Plan A Plan D Plan F Plan A Plan D Plan F Plan A Plan D Plan F Plan A Plan D Plan F 0-67 $72.13 $97.09 $106.06 $82.91 $111.60 $121.91 $84.86 $111.67 $122.06 $97.54 $128.35 $140.30 68 75.27 101.75 110.73 86.51 116.95 127.28 88.55 116.97 127.44 101.78 134.45 146.48 69 78.36 106.39 115.39 90.07 122.29 132.64 92.19 122.25 132.80 105.96 140.52 152.64 70 81.39 111.01 120.03 93.55 127.60 137.96 95.75 127.49 138.11 110.06 146.54 158.75 71 84.43 115.93 124.99 97.05 133.25 143.66 98.88 132.18 142.85 113.66 151.94 164.19 72 87.40 120.77 129.87 100.46 138.81 149.28 102.03 136.91 147.61 117.28 157.37 169.67 73 90.20 125.44 134.59 103.68 144.19 154.70 105.21 141.70 152.43 120.94 162.88 175.21 74 92.75 129.88 139.08 106.61 149.29 159.86 108.44 146.59 157.34 124.64 168.50 180.85 75 94.97 133.99 143.24 109.16 154.01 164.65 111.73 151.62 162.37 128.42 174.27 186.63 76 96.80 137.73 147.04 111.26 158.31 169.01 115.07 156.78 167.52 132.26 180.21 192.55 77 98.31 141.17 150.54 113.01 162.26 173.03 118.38 161.97 172.69 136.07 186.17 198.49 78 99.61 144.41 153.84 114.50 165.99 176.83 121.54 167.05 177.74 139.70 192.01 204.30 79 100.80 147.55 157.04 115.86 169.60 180.50 124.45 171.88 182.56 143.05 197.56 209.84 80 101.97 150.71 160.24 117.21 173.23 184.18 126.99 176.32 187.00 145.97 202.67 214.94 81 103.21 153.95 163.51 118.63 176.96 187.95 129.10 180.29 190.98 148.39 207.23 219.51 82 104.50 157.27 166.85 120.11 180.77 191.78 130.84 183.85 194.56 150.39 211.32 223.63 83 105.82 160.62 170.21 121.63 184.62 195.64 132.33 187.11 197.85 152.11 215.07 227.42 84 107.14 163.95 173.55 123.15 188.45 199.48 133.69 190.19 200.98 153.66 218.61 231.01 85 108.44 167.23 176.84 124.64 192.22 203.26 135.01 193.21 204.03 155.19 222.08 234.52 86 109.68 170.41 180.03 126.07 195.88 206.94 136.40 196.24 207.09 156.78 225.56 238.04 87 110.84 173.48 183.11 127.40 199.40 210.48 137.80 199.24 210.13 158.39 229.01 241.52 88 111.89 176.39 186.05 128.61 202.75 213.85 139.14 202.14 213.05 159.94 232.34 244.89 89 112.81 179.14 188.81 129.67 205.91 217.02 140.36 204.87 215.80 161.34 235.48 248.05 90 113.57 181.68 191.37 130.54 208.83 219.97 141.39 207.34 218.30 162.52 238.32 250.92 91 114.16 184.01 193.71 131.22 211.51 222.66 142.17 209.52 220.49 163.41 240.83 253.44 92 114.60 186.16 195.87 131.73 213.98 225.14 142.73 211.44 222.42 164.06 243.03 255.66 93 114.94 188.17 197.90 132.11 216.29 227.47 143.13 213.16 224.16 164.52 245.01 257.66 94 115.20 190.10 199.83 132.41 218.50 229.69 143.43 214.75 225.77 164.86 246.84 259.51 95 & Over 115.42 191.98 201.72 132.67 220.66 231.86 143.67 216.28 227.31 165.14 248.60 261.28 *Premium rates shown above were approved in Oregon on September 7, 2011, and are effective on January 1, 2012. Premiums payable other than by the monthly bank withdrawal mode may be determined by the following factors (monthly direct bill is not available): Quarterly Semi-Annual Annual Automatic Bank Withdrawal 3 N/A N/A Direct Billed 3.24 6.24 12 Note: Due to rounding, premium amounts you calculate may differ by a few cents from the actual premium you will be charged. MI9F-4363(OR)-B 3

Premium Information We, Medico Insurance Company, can only raise your premium if we raise the premium for all policies like yours in this state. The premiums change automatically on the policy renewal date that follows the date you turn a new age. Disclosures Use this outline to compare benefits and premiums among policies. 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 1515 South 75th Street, Omaha, NE 68124. 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 Medico Insurance Company nor its producers 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 When you fill out the application for the new policy, be sure to answer truthfully and completely 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. MI9F-4363(OR)-B 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* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $1,156 $1,156 (Part A 61st thru 90th day All but $289 a day $289 a day 91st day and after: -While using 60 lifetime reserve days -Once lifetime reserve days are used: -Additional lifetime maximum of 365 days -Beyond the additional 365 days Skilled Care* You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicareapproved facility within 30 days after leaving the hospital. First 20 days All but $578 a day All approved amounts $578 a day 100% of Medicare eligible expense ** All costs 21st thru 100th day All but $144.50 a day Up to $144.50 a day 101st day and after All costs Blood 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 and coinsurance for outpatient drugs and inpatient respite care Medicare copayment and coinsurance **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. MI9F-4363(OR)-B 5

Plan A Medicare () - 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 will have been met for the calendar year. 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 * Remainder of Medicare-Approved Excess Charges Above Medicare-Approved $140 ( Generally 80% Generally 20% All costs Blood First 3 Pints All costs Next $140 of Medicare-Approved * Remainder of Medicare-Approved Clinical Laboratory Services Tests For Diagnostic Services $140 ( 80% 20% 100% Parts A & B Home Health Care Medicare- Approved Services -Medically necessary skilled care services and medical supplies 100% -Durable medical equipment: -First $140 of Medicare-Approved * -Remainder of Medicare-Approved $140 ( 80% 20% MI9F-4363(OR)-B 6

Plan D 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* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $1,156 $1,156 (Part A 61st thru 90th day All but $289 a day $289 a day 91st day and after: -While using 60 lifetime reserve days -Once lifetime reserve days are used: -Additional lifetime maximum of 365 days -Beyond the additional 365 days Skilled Care* You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicareapproved facility within 30 days after leaving the hospital. First 20 days All but $578 a day All approved amounts $578 a day 100% of Medicare eligible expense ** All costs 21st thru 100th day All but $144.50 a day Up to $144.50 a day 101st day and after All costs Blood 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 and coinsurance for outpatient drugs and inpatient respite care Medicare copayment and coinsurance **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. MI9F-4363(OR)-B 7

Plan D Medicare () - 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 will have been met for the calendar year. 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 * Remainder of Medicare-Approved Excess Charges Above Medicare-Approved $140 ( Generally 80% Generally 20% All costs Blood First 3 Pints All costs Next $140 of Medicare-Approved * Remainder of Medicare-Approved Clinical Laboratory Services Tests For Diagnostic Services $140 ( 80% 20% 100% MI9F-4363(OR)-B 8

Parts A & B Home Health Care Medicare- Approved Services -Medically necessary skilled care services and medical supplies 100% -Durable medical equipment: -First $140 of Medicare-Approved * -Remainder of Medicare-Approved $140 ( 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 maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum MI9F-4363(OR)-B 9

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. Hospitalization* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $1,156 $1,156 (Part A 61st thru 90th day All but $289 a day $289 a day 91st day and after: -While using 60 lifetime reserve days -Once lifetime reserve days are used: -Additional lifetime maximum of 365 days -Beyond the additional 365 days Skilled Care* You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicareapproved facility within 30 days after leaving the hospital. First 20 days All but $578 a day All approved amounts $578 a day 100% of Medicare eligible expense ** All costs 21st thru 100th day All but $144.50 a day Up to $144.50 a day 101st day and after All costs Blood 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 and coinsurance for outpatient drugs and inpatient respite care Medicare copayment and coinsurance **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. MI9F-4363(OR)-B 10

Plan F Medicare () - 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 will have been met for the calendar year. 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 * Remainder of Medicare-Approved Excess Charges Above Medicare-Approved $140 ( Generally 80% Generally 20% 100% Blood First 3 Pints All costs Next $140 of Medicare-Approved * Remainder of Medicare-Approved Clinical Laboratory Services Tests For Diagnostic Services $140 ( 80% 20% 100% Parts A & B Home Health Care Medicare- Approved Services -Medically necessary skilled care services and medical supplies 100% -Durable medical equipment: -First $140 of Medicare-Approved * -Remainder of Medicare-Approved $140 ( 80% 20% MI9F-4363(OR)-B 11

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 maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum Printed Name of Producer, if any: First Middle Initial Last Address: Street Address, Rural Route or Box Number City State Zip Phone Number Date Producer/Home Office Employee Signature MI9F-4363(OR)-B 12