Producer Handbook AARP Medicare Supplement Insurance Plans

Producer Handbook AARP Medicare Supplement Insurance Plans GU25017FL For agent use only not for distribution as marketing material to the general public 2011

TABLE OF CONTENTS Table of Contents Please refer to the color-coded sections for the topics listed below. Introduction Page 1 A Quick Look at Medicare and Medicare Supplement Plans Page 2 AARP Medicare Supplement Insurance Page 5 Eligibility Page 8 Underwriting and Rate Information Page 12 Providing a Preliminary Quote Page 16 Sales and Marketing Materials Page 18 Enrolling Applicants Page 21 Application Processing Page 24 Producer Compensation Page 26 Member Communications Page 27 Contact Us Page 27 Appendix contains rates, area rating ZIP Code listings and glossary Page 28 Notes Page 36 AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse insurance agents, brokers, producers, representatives or advisors. This information applies for plan effective dates of January 1, 2011 December 1, 2011

Introduction Congratulations on completing your 2011 AARP Medicare Supplement Insurance certification. You are now authorized to begin selling AARP Medicare Supplement Insurance Plans. You are among a distinct group of producers who have the opportunity to offer AARP Medicare Supplement Insurance Plans which gives your clients an industry-leading option. You can count on UnitedHealthcare for the support you need to be successful. We know well-trained producers provide significant value to AARP Medicare Supplement Insurance members. This Producer Handbook is filled with helpful information to get you started and keep you productive. We wish you success. We know you will enjoy a satisfying and rewarding career selling the only Medicare supplement insurance product that carries the AARP name. Good luck in the upcoming selling season. Who We Are UnitedHealthcare Medicare & Retirement UnitedHealthcare Medicare & Retirement is one of seven businesses that compose UnitedHealth Group, a Fortune 25 company helping individuals, families and communities improve their health and well-being at all stages of life. Insurance Solutions covers more than 3.8 million members with its insurance products and provides additional services promoting healthy living. The business strives for operational excellence to deliver the most cost-effective programs in the industry without compromising quality or customer satisfaction. In 2007, AARP Services, Inc. extended its contract with Insurance Solutions for an additional 10 years to continue offering the only Medicare supplement product that is branded with the AARP name. Agent Portal The agent portal provides a variety of tools and information for all UnitedHealth producers. Once logged in, you will be able to take additional certification classes, obtain product-specific and state-specific information, order sales materials, customize marketing pieces, look up application status, view commission status and more! Agents can access the portal using one of the following addresses: www.unitedhealthproducers.com (for FMO agents) www.unitedhealthadvisors.com (for ICA and ISR agents) introduction Insurance Solutions AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company (UnitedHealthcare Insurance Company of New York for New York residents). These plans are managed by Insurance Solutions, an administrative and operational business segment within UnitedHealthcare Medicare & Retirement dedicated to AARP Medicare Supplement Insurance Plans. This information applies for plan effective dates of January 1, 2011 December 1, 2011 1

Medicare and Med Supp Plans A Quick Look at Medicare and Medicare Supplement Plans Medicare 101 The Basics What is Medicare? Medicare is health insurance for people: Age 65 or older Under age 65 with certain disabilities Any age with End Stage Renal Disease (ESRD permanent kidney failure requiring dialysis or a kidney transplant). It pays for many health care services and supplies, but does not pay all health care costs. Medicare beneficiaries must pay for costs like coinsurance, copayments and deductibles, which are called out-of-pocket costs, or cost sharing. Medicare Coverage Options Medicare beneficiaries can choose among the following options for their health care and prescription drug coverage: 1. Original Medicare, managed by the Federal government, provides Medicare Part A and Part B coverage. Part A (Hospital Insurance) Helps cover inpatient care in hospitals, skilled nursing facilities, hospice care and some home health care if certain conditions are met. Part B (Medical Insurance) Helps cover doctors services, outpatient care, other medical services that Part A doesn t cover (like physical and occupational therapists), and some home health and preventive services. 2. Medicare Advantage Plans (Part C) These health plan options (e.g., HMOs, PPOs and PFFS) are approved by Medicare and run by private insurers. They provide insurance for hospital and medical services and, sometimes, prescription drug coverage. Out-of-pocket costs and cost sharing differ from Original Medicare and may depend on whether the beneficiary received services in or out of network. 3. Medicare Prescription Drug Coverage (Part D) Medicare offers prescription drug coverage for everyone with Medicare (either Original Medicare or Medicare Advantage). Medicare drug plans are run by insurance companies and other private companies approved by Medicare. Beneficiaries must enroll in and pay a separate premium for these plans. People who need help deciding or have questions can do any or all of the following: Visit www.medicare.gov Call 1-800-MEDICARE (1-800-633-4227) or 1-877-486-2048 (TTY users) Contact their State Health Insurance Assistance Program. Medicare Supplement Plans Beneficiaries who have Original Medicare may want to buy a Medicare supplement plan to help cover out-of-pocket costs. Generally, beneficiaries must have Medicare Part A and Part B to buy a Medicare supplement plan. 2 This information applies for plan effective dates of January 1, 2011 December 1, 2011

What is a Medicare Supplement Plan? Medicare supplement plans (also called Medigap) are private health insurance specifically designed to supplement and work only with Original Medicare. Private insurance companies sell Medicare supplement plans. Medicare supplement plans help pay some of the coinsurance, copayments and deductibles ( gaps ) in Original Medicare. They may also cover certain medical services Medicare doesn t cover. People who are enrolled in Original Medicare and buy a Medicare supplement plan will generally have 100 percent of their Medicare-approved health care costs covered (depending on the plan they choose). Medicare supplement plans aren t Original Medicare or a Medicare Advantage plan because they re not a way to get Medicare benefits. National coverage so beneficiaries can use benefits anywhere in the United States. If beneficiaries move, their coverage moves with them Foreign travel coverage for emergency services (for most plans) Guaranteed renewability, meaning the plan automatically renews from year to year as long as beneficiaries pay their premiums when due A 30-day free look evaluation period. Full refund of premiums (minus claims paid, if any) if policies are returned within 30 days of policy issuance For more information on Medicare supplement insurance, please review Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. http://www.medicare.gov/publications/pubs/ pdf/02110.pdf Medicare and Med Supp Plans Medicare supplement plans are identified by letters (such as Plan C) except in Massachusetts, Minnesota and Wisconsin. Each Medicare supplement plan must offer the same basic benefits, no matter which insurance company sells it. Usually the differences between Medicare supplement policies sold by different insurance companies are the cost, underwriting criteria, extra services (value-added) and customer service. Medicare supplement insurance companies must follow federal and state laws. A Medicare supplement policy only covers one person. If a married couple wants Medicare supplement coverage, they must buy separate Medicare supplement policies. Plan Features Medicare supplement plans offer beneficiaries: Help with managing out-of-pocket costs The freedom to choose any doctor that accepts Medicare (Select plans require hospital networks) No claim forms to file This information applies for plan effective dates of January 1, 2011 December 1, 2011 3

Medicare and Med Supp Plans Basic Medicare Supplement Benefits Hospitalization: Part A coinsurance plus coverage for 365 days after Medicare Benefits end Medical Expenses: Part B coinsurance (generally 20 percent of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L and N require insured beneficiaries to pay a portion of Part B coinsurance or copayments Blood: First three pints of blood each year Hospice: Part A coinsurance and respite care expenses (including applicable prescription copayments) Plan Benefit Chart Medicare Supplement Plans A B C D F G K L M N Medicare Part A Coinsurance and Hospital Benefits Medicare Part A Deductible 50% 75% 50% Medicare Part B Coinsurance or Copayment 50% 75% Copay 1 Medicare Part B Deductible Medicare Part B Excess Charges Blood (First Three Pints) 50% 75% Foreign Travel Emergency (up to plan limit) 2 Hospice Care Coinsurance or Copayment Preventive Care Coinsurance Skilled Nursing Facility Coinsurance 50% 75% 50% 75% 2011 out-of-pocket limit (plans K and L only) 3 $4,640 $2,320 1 Plan pays Part B coinsurance or copayment except for an insured copay of up to $20 for each doctor s office visit and up to $50 for each emergency room visit (emergency room copay waived if admitted as inpatient). 2 Benefit is 80 percent after the $250 annual deductible with a $50,000 lifetime maximum. 3 The plan pays 100 percent of covered services for the rest of the calendar year once beneficiaries have paid the out-of-pocket annual limit and annual Part B deductible ($162 in 2011). All plans may not be available in all states and offered through AARP Medicare Supplement Insurance Plans. 4 This information applies for plan effective dates of January 1, 2011 December 1, 2011

AARP Medicare Supplement Insurance Description Every beneficiary has different health care needs. If beneficiaries want additional coverage beyond Original Medicare, an AARP Medicare Supplement Insurance Plan may be right for them. More than 2.8 million beneficiaries have selected AARP Medicare Supplement Insurance Plans to help cover the costs that Original Medicare does not. AARP Medicare Supplement Insurance is the only Medicare supplement product that carries the AARP name. Value-Added Services Because Medicare supplement plans are standardized, one of the ways (aside from premium) that we can differentiate ourselves in the market is through our value-added services. Plan members can receive the following additional services at no additional cost. These services are separate from the Medicare supplement plan benefits, may be discontinued at any time and vary by state. The 24-hour Nurse HealthLine AARP Medicare Supplement Insurance members can call toll-free to speak directly with a registered nurse about their health concerns 24 hours a day, seven days a week through the Nurse HealthLine provided by OptumHealth ṢM Nurse HealthLine offers: AARP Med Supp Plan Highlights Low, stable annual rate increases averaging approximately 5.5 percent nationally over the last 5 years 1 Excellent claims service 99.7 percent of claims are processed within 10 business days Special extras, such as pharmacy savings, vision discounts, 24-hour Nurse HealthLine, and SilverSneakers Fitness Program (not available in all states) Note: Agents selling in KS and NY cannot discuss these services during pre-sale Members can t be singled out for a rate increase Competitive pricing Nationwide coverage, including Washington, D.C. and some U.S. territories Discounts including Multi-insured and Automatic Payment (availability varies by state) Treatment decision support Information on doctors and hospitals The ability to schedule appointments and coordinate medical records Help deciding whether to see a doctor or go to a hospital Prescription and medication information Health education and self-help tips Audio library that offers recorded messages on more than 1,100 health and wellness topics English- and Spanish-speaking nurses and translations in more than 140 languages Note: OptumHealth is the provider of Nurse HealthLine. OptumHealth nurses cannot diagnose problems nor recommend specific treatment and are not a substitute for a doctor s care. This service is not an insurance program and may be discontinued at any time. All decisions about health and wellness care are between members and their health care providers. 1 The national average rate increase is based on rate increases for years 2006-2010 for AARP Medicare Supplement plans. Increases vary by plan, state and year. This information applies for plan effective dates of January 1, 2011 December 1, 2011 5

AARP Med Supp AARP Vision Discounts provided by EyeMed Vision Care Members can save up to 30% off on prescription glasses and up to 20% off on contact lenses at participating stores, including LensCrafters, Pearle Vision, Sears Optical, Target Optical and JCPenney Optical stores. Also, AARP Medicare Supplement members pay only $40 for routine eye exams (note: AARP members pay $45 for eye exams). Medicare Part B-reimbursed diabetes testing and respiratory supplies Through AARP Medical Supply Services provided by Prescription Solutions, members can enjoy free home delivery on Medicare Part B-reimbursed diabetes testing and respiratory supplies. Prescription Solutions will submit Part B and supplemental insurance claims for the member. They will also make reminder calls to the member when it is time to reorder. Members can find more information at www.aarphealthcare.com/products/medicalsupplies Pharmacy Savings This program can help AARP members with: Prescription drugs through the AARP Prescription Discount Program through Walgreens Health Initiatives* Over-the-counter drugs, vitamins, personal care products and more Medicare Part B-reimbursed diabetes testing and respiratory supplies Prescription drugs The prescription drug discount program can help members manage their prescription drug costs for those drugs not covered by Part D. Members can realize exclusive savings on FDAapproved medications at participating retail network pharmacies as well as through Walgreens mail service. Members can find more information at: www.aarppharmacy.com Over-the-counter medications The AARP Health Essentials catalog, provided by Walgreens, can help members save 5 percent or more on qualifying items. Accessible both in print and on the Internet, the catalog offers members a selection of over 22,000 items including vitamins, over-the-counter medications, personal care products and more. AARP members can order at either or both of the following: Online at www.aarppharmacycatalog.com By calling toll-free at 1-866-202-4020 SilverSneakers Fitness Program AARP Medicare Supplement Insurance members in some states can now take advantage of the SilverSneakers Fitness Program or SilverSneakers Steps, provided by Healthways, as a value-added service at no additional cost. With SilverSneakers, members have free access to health center amenities such as treadmills, weights, heated pools and fitness classes that are included with a basic membership. Members can take signature SilverSneakers classes designed specifically for older adults and taught by certified instructors. SilverSneakers members have access to more than 9,000 participating health center locations. A program called SilverSneakers Steps is available to members living 15 miles or more from a participating SilverSneakers health center location. This self-directed, pedometer-based physical activity and walking program provides the equipment, tools and motivation for members to measure, track and increase their activities and achieve a healthier lifestyle. SilverSneakers/SilverSneakers Steps programs are not available in all states. Additional information will be provided in the event the program expands into other states. * Important: The AARP Prescription Discount Program, provided by Walgreens Health Initiatives, is not insurance, nor does it replace Medicare Part D prescription drug insurance, and is only intended to provide discounts on prescription drugs that are not covered by Part D or another third party payor. This program is not a Medicare Part D prescription drug plan. Members should always present their Part D cards first to the pharmacist. 6 This information applies for plan effective dates of January 1, 2011 December 1, 2011

SilverSneakers Fitness Program The program is currently available in the following states: Arkansas Georgia Nebraska Texas Arizona Colorado Connecticut District of Columbia Illinois Indiana Kentucky Michigan North Carolina Ohio Oklahoma Tennessee Utah Wisconsin AARP Med Supp Eligibility: Members residing in one of the above states are eligible for the SilverSneakers Fitness Program. Eligibility is based on the member s resident state on file. Members who reside in one of the above states can use participating facilities nationwide even when they travel. However, if members reside in a non-participating state but vacation in a participating state listed above, they will not be eligible because the program is not available in their state of residence. Note: The services provided by the SilverSneakers program are made available as a courtesy to AARP members insured by UnitedHealthcare Insurance Company (United). They are not insurance coverage and may be discontinued at any time. AARP and United do not endorse and are not responsible for the services or information provided by this program. Consult a health care professional with questions about your health care needs. AARP Membership Applicants must be an AARP member or live in the same household as someone who is an AARP member to enroll in an AARP Medicare Supplement Insurance Plan. If they are not members (or are not living in the same household as an AARP member), they can join by using one of the following methods: 1. Online at aarpadvisor.aarphealthcare.com/uhg 2. Phone at 1-866-331-1964. Representatives are available Mon. - Fri., 7am-11pm and Sat., 9am-5pm ET. 3. Complete an AARP membership form (which can be found in the AARP Medicare Supplement enrollment kits) and include the membership dues (via a separate check from the monthly premium check) at the time of enrollment. AARP membership checks must be made out to AARP. Dues are not deductible for income tax purposes. One membership covers both the member and another individual living in the same household. The traditional household for one membership number consists of a husband and wife. However, if requested, AARP will assign one membership number per household in non-traditional situations (e.g., mother/daughter, brothers, unmarried partners, same gender partners, etc.). A maximum of two individuals can enroll per household under the same membership number. AARP membership is available to individuals age 50 and older and provides: Exclusive discounts A subscription to the award-winning AARP The Magazine Important information on health, Medicare and Social Security, and much more This information applies for plan effective dates of January 1, 2011 December 1, 2011 7

Eligibility Eligibility This section provides the business practices for AARP Medicare Supplement Insurance Plans (Medigap) offered to AARP members and insured by UnitedHealthcare Insurance Company. Rules and criteria vary by state. If you are licensed in more than one state, please refer to the appropriate state-specific handbook for information specific to that state. Requirements The following eligibility rules apply for AARP Medicare Supplement applicants. Applicants must: Be enrolled in Medicare Part A and Part B at the time of the plan effective date Be residents of the state in which they are applying for coverage - a hospital stay starts prior to the plan effective date, no benefits will be considered for that hospital stay. - a skilled nursing facility stay starts prior to the plan effective date, or the qualifying hospital stay ends prior to the plan effective date, no benefits will be considered for that skilled nursing facility stay. Medical Underwriting & Pre-Existing Conditions Medical Underwriting Applicants who do not qualify for Open Enrollment or Guaranteed Issue (see pages 9 and 10) will be underwritten. Pre-existing Conditions An applicant has a pre-existing condition if any of the following happened within three months before the applicant s plan effective date. Be AARP members or live in the same household of an AARP member (e.g., spouse) Applicants who do not qualify for Open Enrollment or Guaranteed Issue (see pages 9 and 10) will be denied coverage for any of the following reasons: End Stage Renal Disease (ESRD) Currently receiving dialysis Diagnosed with kidney disease that may require dialysis The applicant was admitted to a hospital within the past 90 days A medical professional has recommended or discussed as a treatment option any of the following that has not been completed: hospital admittance as an inpatient; organ transplant; back or spine surgery; joint replacement; and cancer, heart or vascular surgery Note regarding hospital and skilled nursing facility stays: If the applicant s plan effective date is more than 6 months after the Medicare Part B effective date, and 1. A Physician gave medical advice for the condition. 2. A Physician recommended or gave treatment for the condition. 3. A Physician recommended or prescribed a prescription drug for the condition. Pre-existing conditions will be covered as of the AARP Medicare Supplement plan effective date for applicants who qualify for Open Enrollment or Guaranteed Issue (see pages 9 and 10) or who are replacing a Medicare Supplement plan or creditable coverage.* For all others, there is a 3-month waiting period after the plan effective date before pre-existing conditions are covered. All decisions to cover pre-existing conditions will be made when the application is processed. * Note: Medicare Parts A and B are creditable coverage. However, individuals who buy Medicare supplement insurance are keeping, not replacing, Medicare Parts A and B. 8 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Open Enrollment - Remember, rules and criteria vary by state. If you are licensed in more than one state, please refer to the appropriate state-specific handbook for information specific to that state. Applicants qualify for Open Enrollment during the first six months they are enrolled in Medicare Part B. (If their initial enrollment in Part B is before age 65, they have a second six-month Open Enrollment period beginning the month they turn 65.) There is also a two-month Open Enrollment period following the loss of group health insurance. Enrollment applications may be submitted up to three months prior to the start of Open Enrollment. Example 1: John is 70 years old and is retiring at the end of June. He has been notified by Social Security that Medicare Part B will start on July 1. John is in his Open Enrollment period from July 1 through December 31. John s application can be submitted during the three months prior to July 1 or any time between July 1 and December 31. Example 2: Bob s 60th Birthday is June 15th. He has been notified by Social Security that Medicare Part B will start on June 1. Bob is in his Open Enrollment period from June 1 through November 30. Bob s application can be submitted during the three months prior to June 1 or any time between June 1 and November 30. Bob will have a second Open Enrollment period from June 1 through November 30 the year he turns 65. Eligibility Open Enrollment Other Information Plan Availability Pre-Existing Conditions Exclusion Underwriting Plans A, B, C, Select C, F, Select F, K, L, and N None None This information applies for plan effective dates of January 1, 2011 December 1, 2011 9

Guaranteed Issue - The following table outlines the situations under which applicants would qualify for Guaranteed Issue and the application requirements. Remember, rules and criteria vary by state. If you are licensed in more than one state, please refer to the appropriate state-specific handbook for information specific to that state. Eligibility Qualifying Event 1. Applicants lose, learn they have lost, or drop employer coverage, or the employer plan no longer provides benefits at least equal to those of Medicare supplement Plan A. 2. Applicants are enrolled in a Medicare Advantage (MA), PACE or Medicare Select plan and: Application Requirements Completed applications must be received within 63 days after the qualifying event. Applications must include notice of creditable coverage (employer plans) or notification of rights. 3. The plan stops coverage in the area, The plan sends notice it will stop coverage, or Applicants move out of the service area Applicants are enrolled in a MA, PACE or Medicare supplement (including Select) and the plan: Violates the insurance contract (for example, by failing to provide necessary medical care), or Was misrepresented in marketing to the individual 4. Applicants are enrolled in a Medicare supplement plan (including Select) that is involuntarily terminated (for example, company bankruptcy). 5. Applicants dropped their Medicare supplement coverage to enroll in a MA, PACE, or Select plan, and dropped that plan within two years. 6. On first enrolling in Medicare Part A at age 65, applicants enrolled in a MA or PACE plan, and dropped that plan within two years. Important note regarding Medicare Advantage (MA): By law, MA applicants cannot be accepted unless MA coverage terminates on or before the AARP Medicare Supplement Insurance Plan s effective date. Applicants must have a valid MA election or enrollment period to leave an MA plan. Having a valid election or enrollment period does not automatically qualify an applicant for Guaranteed Issue. Only the specific events listed above qualify an applicant for Guaranteed Issue. Guaranteed Issue Other Information Plan Availability Pre-Existing Conditions Exclusion Underwriting Plans A, B, C, Select C, F, Select F, K, L, and N None None 10 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Plan Availability Medicare beneficiaries age 65 and older The following chart shows the plans available to eligible Medicare beneficiaries age 65 and older residing in. What Plans Are Available? When Are Plans Available? A, B, C, Select C,* F, Select F,* K, L, and N Year round Are Plans Underwritten? Medicare beneficiaries age 50-64 Yes, unless the beneficiary qualifies for Open Enrollment or Guaranteed Issue Eligibility The following chart shows the plans available to eligible Medicare beneficiaries age 50 64 residing in. What Plans Are Available? When Are Plans Available? A, B, C, Select C,* F, Select F,* K, L, and N If the individual qualifies for Open Enrollment or Guaranteed Issue Are Plans Underwritten? No, because they are only available to beneficiaries who qualify for Open Enrollment or Guaranteed Issue * Select Plans C and F are only available in certain areas of the state. Note: Plans vary by state. If you are licensed in more than one state, please refer to the appropriate state-specific handbook for information specific to that state. Select Plans C and F The Select plans have the same benefits as the regular Plans C and F. The only difference is members with Select plans must use the network hospitals listed in the hospital directory to receive full benefits for hospital care (inpatient and outpatient hospital services). Highlights of Select Plans include: Monthly rates can be lower by as much as 8 percent to 36 percent. Members are not required to see network doctors. They can see any doctor or specialist that accepts Medicare. In a medical emergency, members do not have to use a network hospital. The Select plans are available in areas of where there are hospitals that participate in the network. Please review the hospital directory and zip Code listing with beneficiaries to see if a Medicare Select plan is a good choice. This information applies for plan effective dates of January 1, 2011 December 1, 2011 11

Underwriting and Rate Information 2011 New Sales in The following section applies to. Rates and Underwriting vary by state. Please refer to the appropriate state-specific handbook for information specific to a beneficiary s residence state. Medicare Beneficiaries Age 65 and Older Underwriting and Rate Summary UNDERWRITING/RATES Underwriting requirements for the AARP Medicare Supplement Insurance Plans vary based on the time that has elapsed from the applicant s 65th birthday or Medicare Part B effective date, if it is later. The following chart provides a summary of the underwriting requirements and the applicable rates: Underwriting 1 Rate 3 Time since 65th birthday or Medicare Part B Effective Date, if later 0 to < 7 months 7 months or more No Underwriting Open Enrollment Period Standard Entry Age Rate 1 Does not apply to applicants who meet guaranteed issue requirements. Eligibility Underwriting 2 2 Applicants must answer the two eligibility questions in Section 5 on the application. Applicants who answer yes to either question are not eligible for coverage. 3 Refer to Appendix II for rates and Appendix III for lists of ZIP Codes applicable to each area. Members who respond yes to the tobacco use question on the application will pay the tobacco use version of the rate shown in the chart. Refer to the appendix for: Appendix I Underwriting conditions glossary Appendix II Rate page Appendix III Area rating zip code listing 12 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Rate Discounts Automatic Payment Discount $2.00 per household per month when the entire household pays their premium through Electronic Funds Transfer. Annual Payer Discount $24.00 per household per year for insureds who pay their entire calendar year premium in January. NOTE: Automatic Payment discount and Annual Payer discount cannot be combined. Rating Information Entry Age Rating with Areas Rates are based on the member s age as of his or her plan effective date. In an area rated state, all members in the same class in the same area pay the same rate (excludes discounts and surcharges). Refer to Appendix III for lists of ZIP Codes applicable to each area. Tobacco Use Rate Changes UnitedHealthcare s monthly premium generally changes once a year. However, enrolled members may see their premium change at other times due to moving into a different area or state. UNDERWRITING/RATES Members who have smoked cigarettes or used any tobacco product at any time within the past 12 months will pay the tobacco use version of the rate for which they qualify. This information applies for plan effective dates of January 1, 2011 December 1, 2011 13

Underwriting Information UNDERWRITING/RATES Who needs to be underwritten? Applicants outside of their open enrollment period and who do not qualify for guaranteed issue are underwritten to determine eligibility. Does underwriting vary for different AARP Medicare Supplement Plans? No. Can applicants be denied for coverage? If applicants need to be underwritten, the only medical reasons for denial are: End Stage Renal Disease (ESRD) Dialysis is required Applicants have been admitted to a hospital within the past 90 days A licensed member of the medical profession recommended or discussed as a treatment option any of the following that has not been completed: Hospital admittance as an inpatient Organ transplant Back or spine surgery Joint replacement Surgery for cancer Heart surgery Vascular surgery The above medical reasons can be found on Section 5 of the application. If applicants answer yes to either question in Section 5, they will be denied coverage. Everyone has the right to apply. Applicants can continue the application process even if they may not qualify. What if additional medical information is needed? The underwriter may contact applicants or their physician to clarify the information before reaching a decision. What if applicants are unsure about their medical conditions? If applicants are unsure about their medical conditions, their uncertainty should be noted on the applications and submitted to underwriting for review along with available information. Note that Appendix I includes a glossary with short definitions of the medical conditions listed on the application. This may assist you if applicants are unsure about a listed medical condition. Can an insured applicant change to a different AARP Medicare Supplement Plan? A change from an AARP Medicare Supplement Plan with an effective date of 6/1/2010 and later to another is usually permitted without underwriting. The new plan must be available at the applicant s current age and area of residence. A change from an AARP Medicare Supplement Plan with an effective date of 5/1/2010 or prior will require new rating and underwriting (same requirements as new sales). UnitedHealthcare reserves the right to deny a plan change request at any time. If applicants are denied a plan change request, they can remain with their current plan, with no effect to their current rates. Please ensure that the application has been completed in full. Material mistakes or incomplete responses on applications may subject applicants to loss of coverage. 14 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Medicare Beneficiaries Age 50 to 64 Underwriting and Rate Summary The following chart provides a summary of the underwriting requirements and applicable rate: Underwriting Rate* Time since Medicare Part B Effective Date 0 to < 7 months 7 months or more No Underwriting Open Enrollment Period No Underwriting (Plans are only available to applicants who meet Guaranteed Issue requirements) Disabled Entry Age Rate *Members who respond yes to the tobacco use question on the application will pay the tobacco use version of the rate shown in the chart. Rate Discounts Automatic Payment Discount $2.00 per household per month when the entire household pays their premium through Electronic Funds Transfer. Annual Payer Discount $24.00 per household per year for insureds who pay their entire calendar year premium in January. UNDERWRITING/RATES NOTE: Automatic Payment discount and Annual Payer discount cannot be combined. Rating Information Entry Age Rating with Areas Rates are based on the member s age as of his or her plan effective date. In an area rated state, all members in the same class in the same area pay the same rate (excludes discounts and surcharges). Rate Changes UnitedHealthcare s monthly premium generally changes once a year. However, enrolled members may see their premium change at other times due to moving into a different area or state. Refer to Appendix III for lists of ZIP Codes applicable to each area. Tobacco Use Members who have smoked cigarettes or used any tobacco product at any time within the past 12 months will pay the tobacco use version of the rate for which they qualify. Underwriting Information There is no underwriting for beneficiaries age 50 to 64. This information applies for plan effective dates of January 1, 2011 December 1, 2011 15

Providing a Preliminary Quote New Sales in The following worksheet is for producer use only and must not be distributed to consumers. You can use this worksheet to become more familiar with our rate-quoting methods. You can download it through the agent portal. Producers are welcome to print and fill out for different application scenarios. Before quoting rates, be sure to review requirements in this handbook for: Eligibility Plan Availability Open Enrollment and Guaranteed Issue Underwriting and Rates Medicare Beneficiaries 65 and Older Preliminary Quote 1 Rate If the applicant is eligible to enroll, he or she will receive the Entry Age rate. 2 3 Determine Area Determine Applicant s Entry Age 4 Rate Quote 5 Disclaimer Look up applicant s ZIP Code in the area rated tables found in Appendix III of this handbook or in an enrollment kit to determine the area the applicant falls in. Determine the applicant s age as of the plan effective date. Refer to Appendix II or an enrollment kit to obtain the exact rate you will quote. Be sure to use the correct page and table for tobacco or non-tobacco use, rating area identified in Step 2 and entry age identified in Step 3. Provide the rate quote disclaimer: Rates are subject to change. Actual rate will be determined upon acceptance into the program based upon eligibility criteria and your medical conditions, if applicable. 16 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Plan Change Situations The rating and underwriting requirements for applicants who want to change from one AARP Medicare Supplement Plan to another are the same as new sales. Rating and underwriting requirements vary based on the effective date of the applicant s current AARP Medicare Supplement Plan: Current AARP Medicare Supplement Plan Effective Date Underwriting Requirements Rating Requirements 5/1/2010 or prior Same as new sales (refer to Underwriting and Rate Summary Chart) Same as new sales (refer to Underwriting and Rate Summary Chart) If the applicant was previously entry age rated, he/she will carry entry age from original plan 6/1/2010 or later None 1 Applicant will carry entry age from Same rate level as current plan 2 original plan 1 Applicants do not need to answer health questions in sections 5 or 6 on the enrollment application. 2 Discounts for which the applicant is currently eligible will continue to apply, assuming no other changes have occurred that affect eligibility for the discount. Preliminary Quote This information applies for plan effective dates of January 1, 2011 December 1, 2011 17

Sales and Marketing Materials A variety of AARP Medicare Supplement marketing materials are available to use for selling the product. You can access the following materials through the agent portal. Simply log in and from the menu select Product Information and Materials and then Sales Materials. Educate individuals about AARP Medicare Supplement Insurance Plans Create awareness of the services you provide as an agent Marketing materials, such as flyers, lead generation letters and brochures, are available for download and allow you to personalize with your own contact information through the online sales toolkit. The online sales toolkit provides easy-to-use tools to help you build marketing materials for your specific needs. You ll find templates for marketing materials that you can customize quickly and easily for a variety of uses. You will have two output options: Marketing Enrollment kits You can order and download state-specific enrollment kits on the agent portal. Important: Enrollment kits are revised periodically to comply with state requirements and may change during the year. Therefore, we recommend that you order only a small quantity (e.g., a 2-month supply) of material at a time. It is your responsibility to ensure that you and your applicants are only using current materials. Agents may order a maximum of 50 enrollment kits per week. Higher quantities must receive approval. 1. Print You can order printed marketing pieces directly through the online sales toolkit. Prices vary by quantity and piece. 2. Download You have the option to download a high-resolution file and take it to a print vendor of your choosing or print using your office printer. Promotional Items AARP Medicare Supplement-branded promotional items are great to use as giveaways at in-home appointments, seminars and other events. Sales Presentations The state-specific sales presentations are designed for agents to use at events such as community meetings, seminars and during at-home appointments. Agents may personalize the sales presentation with their name and phone number on the cover slide and closing slide. Lead Generation Materials AARP Medicare Supplement approved marketing pieces can be used to: Generate leads Promote community meetings You may purchase branded items, such as pens and note pads, on the UnitedHealth Group online e-store. You can find a link to the e-store on the agent portal under Plan Information and Materials > Materials > Sales Materials. Once in the e-store, simply click on AARP Medicare Supplement Insurance listed in the left column. All major credit cards are accepted. Additional items will be added to the store throughout the year so check back frequently! Agency names cannot be imprinted on AARP Medicare Supplement branded promotional items. Note: Promotional merchandise is not available for use in Georgia and New York. 18 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Sales and Marketing Materials Rules Producers are prohibited from creating new or altering existing marketing materials for AARP Medicare Supplement Insurance Plans. Any material that states the product name or uses the AARP logo or name in any piece must be approved by UnitedHealthcare (UHC) and AARP Services, Inc. (AARP s wholly owned subsidiary), and in most cases, filed with each state. Therefore, you must only use sales and marketing materials provided by UnitedHealthcare to promote the AARP Medicare Supplement product. You must not create your own pieces with the AARP Medicare Supplement name or logo. If a piece contains a cover page with agent instructions on how to use, please do not distribute the cover page to beneficiaries. Please note that you only have access to materials for products in which you are fully trained and certified. Distribution of materials to uncertified producers is strictly prohibited. Producers who do not comply may face disciplinary action, including, but not limited to, termination of contract. The availability of sales and marketing materials varies by state. Materials are filed with each state and may take time to get approval. If no items are available, please check back frequently for approved materials on the producer portal. The following guidelines apply when using AARP Medicare Supplement marketing pieces: Use only approved pieces. Marketing Verify that the piece has been approved in the state(s) you would like to market in. If you do not see a state listed in the toolkit or materials area of the portal, the piece is not approved for use in that state. Altering the pieces is prohibited (excluding the editable fields). You must not remove, edit, move or add information to the pieces. You may not make pieces smaller because each state s Department of Insurance requires a minimum font size. The pieces must not be used in an e-mail campaign. Exception: E-mail campaigns are permissible with agent recruitment efforts. See approved material on the agent portal. You may not make cold calls as highlighted in the Branded Products Addendum (Exhibit B) in your contract. And you cannot follow up with your mail recipients to see if they received your mailing or flyer. This information applies for plan effective dates of January 1, 2011 December 1, 2011 19

The Authorized to Offer (A2O) Program The Authorized to Offer program recognizes agents who have met and continue to meet all certification standards, demonstrate competency on AARP Medicare Supplement Insurance Plans and continue to serve AARP members best interests. The use of AARP-branded materials will be an advantage that will ultimately raise the bar for agents. The A2O Program offers two levels: Level 1 Access to AARP-branded products Level 2 Access to exclusive marketing content, only available to qualifying agents. The Program offers opportunities based on certain levels of A2O Agents: Marketing Level 1 Level 2 Materials Enrollment materials Sales presentation Prospecting materials flyers ads mailers Leave-behinds such as brochures and fact sheets Materials may include items such as: Letter of introduction Business cards A2O brochure Availability Available to all agents who have completed the A2O Level 1 requirements: Quality Production Minimums (QPMs) AARP 101 (Orientation) Training Course UnitedHealthcare Medicare Solutions Required Training Community Service Attestation Available to those agents who have: Completed the A2O Level 1 requirements noted above AARP 231 (Mature Markets) Training Quality Production Minimum Qualifications From January 2010 through March 2011, agents must submit at least five (5) AARP Medicare Supplement accepted and paid applications to retain A2O Level 1 status. Agents who fail to attain the quality production minimum will be de-authorized from offering AARP Medicare Supplement plans for 120 days in 2011. FMO and ICA agents who submit at least twenty (20) AARP Medicare Supplement accepted and paid applications and are certified to represent all three AARP-branded products (Medicare Supplement, Medicare Advantage and Part D Prescription Drug Plans) will be invited into A2O Level 2 status where they must complete one additional AARP training module. ISR agents may complete the AARP training module for Level 2 status with no required quality production minimums. 20 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Enrolling Applicants Enrollment Kits Enrollment Material AARP Medicare Supplement Insurance Plans OA25080ST 2 0 1 1 Enrollment kits are available for all producers who are certified by UnitedHealthcare to offer AARP Medicare Supplement Insurance Plans. The enrollment kits contain all of the materials necessary to complete a sale. It is important to deliver the enrollment kit in its entirety to the applicant. Please verify you have current materials. Using outdated materials may cause an application to be delayed or rejected. You can order enrollment kits by accessing the producer portal. Simply log in and click on Product Information and Materials and then Sales Materials. For assistance in using this system, click the Instructions tab after logging in. You must leave all items in the enrollment kit with the applicant except for items to be submitted to UnitedHealthcare. Confirm the beneficiary is an AARP member Review the plan options with beneficiaries and guide them to the plan that best fits their needs Indicate the applicant s plan selection and desired effective date on the application. If the applicant has current health coverage, please note on the application in the appropriate spot. Applicants Replacing Coverage Replacement Notice and Kentucky Medicare Supplement Comparison Statement Applicants who are replacing another Medicare supplement plan or a Medicare Advantage plan must submit the Notice to Applicant Regarding Replacement of Medicare Supplement Insurance or Medicare Advantage (Replacement Notice) and Kentucky Medicare Supplement Comparison Statement. The enrollment kit includes a Replacement Notice and Kentucky Medicare Supplement Comparison Statement, which must be signed by the applicant and the agent. If applicants are changing from one AARP Medicare Supplement Insurance Plan to another AARP Medicare Supplement Insurance Plan, the Replacement Notice is not required. However, applicants must submit a new application. Application Enrollment Applications You must use the agent version of the AARP Medicare Supplement application, which can be identified by the agent signature line, ID and disclaimer language located at the end of the application. Agent versions of the application will be included in the enrollment kits available through the portal s Product Information and Materials section. If you do not use the agent application or you use it in combination with a direct-to-consumer application (e.g., direct mail), we will not pay commissions. Prior to filling out the application, you should: Confirm the beneficiary is enrolled in Medicare Part A and Part B If applicants are turning 65, a Replacement Notice is not required. Continuous Coverage Applicants who are replacing their existing Medicare supplement coverage should not cancel their coverage until they receive confirmation of acceptance and the new policy s effective date. When replacing an existing policy, applicants should request a policy effective date to coincide with the date existing coverage ends. Please note: AARP Medicare Supplement Insurance Plan effective dates are always the first of a month. For more information on effective dates, please refer to the section on effective dates under Application Processing of this Producer Handbook. This information applies for plan effective dates of January 1, 2011 December 1, 2011 21

Applicants Replacing Coverage (continued) Note: Applications cannot be backdated prior to the application signed date for any reason. Application Replacing a Medicare Advantage Plan Enrollment in Medicare supplement insurance does NOT automatically disenroll a beneficiary from a Medicare Advantage plan. Beneficiaries should contact their current insurer or 1-800-Medicare to see if they are eligible to disenroll, and to disenroll if they are able. They may choose to disenroll from their Medicare Advantage plan by enrolling in a stand-alone prescription drug plan if they are able to do so. Medicare Advantage and Medicare supplement coverage cannot overlap, and there should be no gap in coverage, so request a policy effective date to coincide with the date existing coverage ends. Enrollment Checklist To ensure prompt and accurate processing of a beneficiary s application, please ensure the following: Enrollment Application Complete all required sections of the application, including: AARP membership number (if a member or another individual living in the same household is a member) The applicant s plan selection The conditions of eligibility and authorization Requested effective date (if left blank, the effective date will be assigned as the first day of the month after receipt of application.) Health conditions (if applicable) Signatures and dates Applicant s current health coverage (if applicable) Signatures: Applicant(s) must sign the Tell us about your past and current coverage section. Applicant(s) must sign and date in two places in the Authorization and Verification of Information section. Agent must sign and date the last page of the application. Applications with erasures or other alterations may be delayed or rejected. If applicants make a mistake, they must initial any changes they make. If the application is incomplete or clarification is needed, we may contact you or the applicant by phone or letter. We encourage you to explain this to applicants and ask for their prompt cooperation. Other Required Information AARP Membership: If an applicant is not an AARP member, they can sign up for AARP membership through one of the following methods: Join online at aarpadvisor.aarphealthcare.com/uhg Call 1-866-331-1964. Representatives are available Mon - Fri, 7am-11pm and Sat, 9am-5pm ET. Complete an AARP membership form (which can be found in the AARP Medicare Supplement enrollment kits) and include the membership dues (via a separate check from the monthly premium check) at the time of enrollment. AARP membership checks must be made out to AARP. Note: One membership covers both the member and another individual living in the same household. Therefore, only one application is required if two individuals of a household are applying for AARP membership. Dues are not deductible for income tax purposes. Automatic Payment: Complete and submit if applicants want to pay future premiums by Automatic Payment. Include a voided check. Deduct the Automatic Payment discount of $2 per household if the applicant is signing up for Automatic Payment at the time of application. Note: Automatic Payment requests will be processed on 5th of the month and may take one month to become active, depending upon date application is received and processed. 22 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Premium Check: Collect and remit for the first month s premium. (If the applicant is changing from one AARP Medicare Supplement Plan to another AARP Medicare Supplement Plan, do not send any money.) Make checks payable to Insurance Company. UnitedHealthcare Replacement Notice and Kentucky Medicare Supplement Comparison Statement: Complete and submit, if applicable. Required for applicants replacing another Medicare supplement plan or a Medicare Advantage plan. Both the applicant and the agent must sign the Replacement Notice and Kentucky Medicare Supplement Comparison Statement. Note: A Replacement Notice and Kentucky Medicare Supplement Comparison Statement are not required if applicants are replacing one AARP Medicare Supplement plan with another AARP Medicare Supplement plan. Provide to Applicant Missing signatures of agent and/or applicant Agent ID missing, illegible, or incorrect Missing AARP membership number Other Required Information AARP membership application and dues are needed but are not included with the enrollment application Replacement Notices Not included but are needed (replacing another Medicare Supplement or Medicare Advantage plan) Included, but are not needed (e.g., applicants turning age 65) Missing signature of applicant and/or producer First month premium check is not submitted with the application Note: Commissions may not be payable for disabled applications and in certain other scenarios. Please consult your contract paperwork. Automatic Payment: Give a copy of Automatic Payment form to applicant. Replacement Notice: Provide applicants with a copy of the Replacement Notice. Guide: Provide applicants with the Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Application and Commission Processing Delays Incorrect or incomplete information can cause application processing and/or agent commissions to be delayed. Some of the most common reasons are: Submitting Applications Please mail all appropriate applications, checks and forms in the postage-paid business reply envelope included in the enrollment kit. If the envelope is lost or misplaced, please mail to: UnitedHealthcare Insurance Company P.O. Box 105331 Atlanta, GA 30348-5331 To send overnight (packages must arrive by 9:00 a.m. to be processed for that day): UnitedHealthcare Enrollment Division 4868 GA Hwy. 85, Suite 100 Forest Park, GA 30297 Application Enrollment Application Comments written outside of required areas on the application, such as: N/A Please process ASAP Underlines, etc. Telephone: (404) 751-9906 (for delivery purposes only) For questions, please call the Producer Help Desk at 1-888-381-8581. Alternative methods Fax, e-mail, telephonic and online enrollment processing are currently not available. This information applies for plan effective dates of January 1, 2011 December 1, 2011 23

Processing Application Processing Once we receive an application, we immediately scan it into our system. Typically, we process applications within 7 10 business days; however, the process could be quicker or slower depending on the completeness and accuracy of the application and the level of underwriting required. Applicants must send their first month s premium with the application, and they must submit monthly payments to sustain coverage. However, if they submit an Automatic Payment form with the application, the electronic withdrawal will be set up for the second month s payment and beyond. Effective Dates All applications for the plans listed in this handbook must have an effective date of 6/1/2010 or later. All coverage is issued effective the first day of the month and never before the Medicare Part B effective date. No Effective Date on Application When no effective date is noted on the application, coverage is generally effective the first of the next month following the date the application is received (as long as the applicant is eligible on that date) and approved by UnitedHealthcare Insurance Company. Example: If an application is approved on 9/15, the effective date will be 10/1. Requested Effective Date Example: If the application is approved on 9/15, the requested effective date can be as late as 12/1. Enrollment applications mailed to UnitedHealthcare by the last day of a month, with effective date noted for the 1st of the following month, will be given that effective date assuming the application is complete, accurate and approved. Applicants Turning Age 65 Applicants who will become eligible for Medicare at age 65 can submit their application up to 90 days before their 65th birthday month (for the coverage to become effective in coordination with their Medicare effective date). If we receive the application more than 90 days before the 65th birthday month, we will hold it until the effective date is within 90 days. All other applicants must wait to apply within 90 days of the requested effective date. Note: We will not pay commissions until we process the application and receive the premium. Application Status You may check the status of submitted applications on the agent portal. Simply log in and click on Manage Your Business and then Applications and Enrollments. Search the system by filling out the form and click Submit. Click on the applicant s name for the status of their application. Producers without Internet access can also contact the Producer Help Desk for application status at 1-888-381-8581, Monday through Friday, 8:00 a.m. to 8:00 p.m. EST. Billing Options Applicants who would like to request a specific effective date should fill out the Requested Effective Date box on page 2 of the application. This date must be the 1st of a month. Applicants can choose to have an effective date up to 90 days after the application is received and approved. AARP Medicare Supplement members have the following billing options: 1. Automatic Payment: Members may have their monthly premiums automatically deducted from their checking or savings account. This ensures that they never forget a payment. 24 This information applies for plan effective dates of January 1, 2011 December 1, 2011

To put this payment method into effect, applicants need to fill out an Automatic Payment form (included in the enrollment kit). Applicants must keep a copy of the completed Automatic Payment form. They can submit the Automatic Payment form with the application and a check for the first month s premium. If an application is submitted with an Automatic Payment form but does not include a check for the first month s premium, the policy will be overdue until the first month s payment is submitted. Note: Commissions will be delayed until the first month s premium is paid in full. Billing Procedures Members will receive billing information for their account. Two individuals in a household who share an AARP membership number will receive one billing statement for the household. However, if two members in a household would like to be billed separately, they must have separate AARP membership numbers. Alternatively, if two individuals in the household have individual AARP membership numbers, billing can be combined, if requested. Example: An application is submitted with an effective date of February 1 but no payment for the first month s premium. On March 5, the Automatic Payment will process for one month s premium only, meaning the policy will be paid through February only. On April 5, the Automatic Payment will draw one month s premium and apply it to March s premium. If an application is submitted with an Automatic Payment form but includes a check with an amount greater than the first month s premium, the difference will be applied to the next month s premium. Example: An application is submitted with an effective date of April 1, and the first month s premium is overpaid by $15. On May 5, the Automatic Payment will process for the May premium less $15. On June 5, the Automatic Payment will process for full June premium. Automatic Payment processing only occurs on the 5th of each month. Processing 2. Direct Bill/Coupon Booklet: Members may write a check each month and send it by mail using their coupon books, which they will receive after they have enrolled. Checks must be made out to UnitedHealthcare Insurance Company. This information applies for plan effective dates of January 1, 2011 December 1, 2011 25

Producer Compensation We value our relationship with you and have developed a compensation plan to reflect your efforts in selling the AARP Medicare Supplement Insurance products. Commissions are not payable for any unbilled or unpaid months. You can find detailed information on the compensation plan within the contract signed by you/ your company. Payments under the compensation plan shall be made in compliance with applicable state laws and regulations. Commission Status FMO and ICA agents only You can look up your commission status on the agent portal. Once logged in, click on the Commission Status tool and fill out the search fields. Commissions are issued on paid sales only. If you have questions, please contact the Producer Help Desk at 1-888-381-8581, Monday through Friday, 8:00 a.m. to 8:00 p.m. EST. The following chart will assist in understanding the internal codes: Additional Selling Opportunity AARP MedicareRx plans, also insured by UnitedHealthcare Insurance Company, complement AARP Medicare Supplement Insurance Plans. Beneficiaries who would like prescription drug coverage should consider an AARP MedicareRx plan. Interested beneficiaries should be sure they are applying within an eligible enrollment period. More information can be found at https://www.aarpmedicarerx.com/ Co-marketing materials promoting AARP Medicare Supplement and AARP MedicareRx Plans are available in the online sales toolkit. Remember that AARP MedicareRx Plans are federally regulated and subject to CMS guidelines for marketing and sales events. For example, if you plan to use the co-marketing materials to generate leads and/or invite Medicare beneficiaries to a seminar, please remember to use the Scope of Appointment form for all appointments and/or register your seminar. You can find additional information on CMS guidelines on the producer portal. After logging in, go to the Resource Center and then Compliance Corner. Compensation Plan Code A B C C - Select F F - Select K L N Internal Code A01 B01 C01 CS1 F01 FS1 K01 L01 N01 Don t forget: To sell AARP MedicareRx, you must be contracted and certified to offer the plans. 26 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Member Communications Once individuals are enrolled in an AARP Medicare Supplement Insurance Plan, they will receive various communications throughout the year. Our goal is to enhance the members experience by providing meaningful and timely information. Here s an overview of the types of communications delivered: Welcome Materials Contain the Certificate of Insurance, Insurance ID Card, 30-day cancellation policy and other helpful information about topics such as services, claims and payments. For those who do not sign up for automatic bank withdrawals at the time of application, an Automatic Payment form will be included in the Welcome Kit for those who wish to sign up for Automatic Payments at a later date. Newsletter A quarterly publication covering topics such as healthy lifestyles and product information. Annual Rate Notification Informs insured members of their new rates for the coming year. Generally, the annual rate notification is sent out in the fall. Plan Review Kit A handy reference piece with product/plan specific information sent to insured members annually in the 4th quarter. Other communications may be sent, such as legally required mailings, product changes and other retention-driven mailings. Contact Us Questions? Contact the Producer Help Desk (PHD). E-mail: phd@uhc.com Please include your full name, writing number, contact information and a brief description of your issue and desired outcome. Phone: 1-888-381-8581 Monday through Friday 8:00 a.m. 8:00 p.m. EST Keep in mind that the Producer Help Desk cannot provide premium rate quotes. Member Customer Service Members can call the Automated Customer Express Line at 1-800-444-6544 for Service 24 hours a day, where they can obtain payment and billing information; claim information, like claim status and claim filing instructions; order replacement items, such as payment and claim envelopes; Automatic Payment enrollment forms; and insurance ID cards. Representatives are available weekdays from 7:00 a.m. to 11:00 p.m. and Saturday 9:00 a.m. to 5:00 p.m. Eastern Time. For Service related questions please call 1-800-523-5800. For Claim related questions please call 1-800-523-5880. member comm / contact This information applies for plan effective dates of January 1, 2011 December 1, 2011 27

Appendix I Completing the Application: Medical Terms and Conditions Glossary This glossary has brief descriptions for terms and medical conditions that may be helpful for the applicant in completing the application. It also includes other names that may be used for some medical conditions. Medical terms and conditions listed below generally appear in the order they appear on the application. The applicant is responsible for making sure that all answers to application questions are accurate and completed in full. This glossary is provided for informational purposes ONLY. The applicant should consult his or her physician if they need help answering medical questions on the application form. Terms found on the application End Stage Renal (Kidney) Disease (ESRD) What those terms generally mean A complete or almost complete failure of the kidneys to function, requiring dialysis or a kidney transplant to live. Dialysis A process of cleansing your blood by passing it through a machine (hemodialysis), or putting special fluid into the abdominal cavity and draining it out (peritoneal dialysis). This is necessary when the kidneys are not able to filter blood. Recommended or discussed as a treatment option You talked to a medical professional about: needing to go into the hospital as an inpatient (Except for HIV) and/or having surgery for organ transplant, back or spine, joint replacement, cancer, or heart or vascular condition (vascular has to do with the blood vessels of the body) Appendix 28 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Appendix II Cover Page - Monthly Rates for - Area 1 AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Non-Tobacco Rates Age 1 Plan A Plan B Plan C Select C 2 Plan F Select F 2 Plan K Plan L Plan N 50-64 $418.75 $493.00 $571.50 $457.75 $575.25 $460.50 $228.50 $343.00 $415.00 65 $177.25 $208.75 $242.00 $193.75 $243.50 $195.00 $96.75 $145.25 $175.75 66-69 $192.00 $226.00 $262.25 $209.75 $263.75 $211.25 $104.75 $157.50 $190.25 70-74 $214.00 $252.00 $292.00 $233.75 $294.00 $235.25 $116.75 $175.50 $212.00 75-79 $233.00 $274.25 $318.00 $254.50 $320.00 $256.25 $127.00 $191.00 $231.00 80+ $254.75 $299.75 $347.75 $278.25 $350.00 $280.00 $139.00 $208.75 $252.50 Tobacco Rates Age 1 Plan A Plan B Plan C Select C 2 Plan F Select F 2 Plan K Plan L Plan N 50-64 $460.62 $542.30 $628.65 $503.52 $632.77 $506.55 $251.35 $377.30 $456.50 65 $194.97 $229.62 $266.20 $213.12 $267.85 $214.50 $106.42 $159.77 $193.32 66-69 $211.20 $248.60 $288.47 $230.72 $290.12 $232.37 $115.22 $173.25 $209.27 70-74 $235.40 $277.20 $321.20 $257.12 $323.40 $258.77 $128.42 $193.05 $233.20 75-79 $256.30 $301.67 $349.80 $279.95 $352.00 $281.87 $139.70 $210.10 $254.10 80+ $280.22 $329.72 $382.52 $306.07 $385.00 $308.00 $152.90 $229.62 $277.75 The rates above are for plan effective dates from January - December 2011. 1 Your age as of your plan effective date. Your rate will always be based on your age on your effective date. 2 You must use a network hospital with Select Plans C and F. Appendix MRP0008 FLA 1-11 This information applies for plan effective dates of January 1, 2011 December 1, 2011 29

Cover Page - Monthly Rates for - Area 2 AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Non-Tobacco Rates Age 1 Plan A Plan B Plan C Select C 2 Plan F Select F 2 Plan K Plan L Plan N 50-64 $294.75 $347.25 $402.75 $321.75 $405.00 $324.25 $160.50 $241.50 $292.25 65 $124.75 $147.00 $170.50 $136.25 $171.50 $137.25 $68.00 $102.25 $123.75 66-69 $135.25 $159.25 $184.50 $147.75 $185.75 $148.75 $73.75 $110.75 $134.00 70-74 $150.75 $177.25 $205.75 $164.50 $207.00 $165.75 $82.25 $123.50 $149.25 75-79 $164.00 $193.00 $223.75 $179.25 $225.25 $180.25 $89.50 $134.50 $162.50 80+ $179.25 $211.00 $244.75 $195.75 $246.25 $197.25 $97.75 $147.00 $177.75 Tobacco Rates Age 1 Plan A Plan B Plan C Select C 2 Plan F Select F 2 Plan K Plan L Plan N 50-64 $324.22 $381.97 $443.02 $353.92 $445.50 $356.67 $176.55 $265.65 $321.47 65 $137.22 $161.70 $187.55 $149.87 $188.65 $150.97 $74.80 $112.47 $136.12 66-69 $148.77 $175.17 $202.95 $162.52 $204.32 $163.62 $81.12 $121.82 $147.40 70-74 $165.82 $194.97 $226.32 $180.95 $227.70 $182.32 $90.47 $135.85 $164.17 75-79 $180.40 $212.30 $246.12 $197.17 $247.77 $198.27 $98.45 $147.95 $178.75 80+ $197.17 $232.10 $269.22 $215.32 $270.87 $216.97 $107.52 $161.70 $195.52 The rates above are for plan effective dates from January - December 2011. 1 Your age as of your plan effective date. Your rate will always be based on your age on your effective date. 2 You must use a network hospital with Select Plans C and F. Appendix MRP0008 FLB 1-11 30 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Cover Page - Monthly Rates for - Area 3 AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company Non-Tobacco Rates Age 1 Plan A Plan B Plan C Select C 2 Plan F Select F 2 Plan K Plan L Plan N 50-64 $278.25 $327.75 $379.75 $303.50 $382.00 $306.00 $151.75 $228.00 $275.75 65 $117.75 $138.75 $160.75 $128.50 $161.75 $129.50 $64.25 $96.50 $116.75 66-69 $127.50 $150.25 $174.00 $139.25 $175.25 $140.25 $69.50 $104.50 $126.50 70-74 $142.00 $167.25 $194.00 $155.25 $195.25 $156.25 $77.50 $116.50 $140.75 75-79 $154.75 $182.00 $211.25 $169.00 $212.50 $170.00 $84.25 $126.75 $153.25 80+ $169.00 $199.00 $230.75 $184.75 $232.25 $186.00 $92.25 $138.50 $167.50 Tobacco Rates Age 1 Plan A Plan B Plan C Select C 2 Plan F Select F 2 Plan K Plan L Plan N 50-64 $306.07 $360.52 $417.72 $333.85 $420.20 $336.60 $166.92 $250.80 $303.32 65 $129.52 $152.62 $176.82 $141.35 $177.92 $142.45 $70.67 $106.15 $128.42 66-69 $140.25 $165.27 $191.40 $153.17 $192.77 $154.27 $76.45 $114.95 $139.15 70-74 $156.20 $183.97 $213.40 $170.77 $214.77 $171.87 $85.25 $128.15 $154.82 75-79 $170.22 $200.20 $232.37 $185.90 $233.75 $187.00 $92.67 $139.42 $168.57 80+ $185.90 $218.90 $253.82 $203.22 $255.47 $204.60 $101.47 $152.35 $184.25 The rates above are for plan effective dates from January - December 2011. 1 Your age as of your plan effective date. Your rate will always be based on your age on your effective date. 2 You must use a network hospital with Select Plans C and F. Appendix MRP0008 FLC 1-11 This information applies for plan effective dates of January 1, 2011 December 1, 2011 31

Appendix III - Zip Code Directory for Area Rating FLORIDA Area 1 ZIP Codes, Effective August 1, 2010 The ZIP Codes Below Apply to Rates Included on the Page Headed Cover Page Rates Appendix 33002 33004 33008 33009 33010 33011 33012 33013 33014 33015 33016 33017 33018 33019 33020 33021 33022 33023 33024 33025 33026 33027 33028 33029 33030 33031 33032 33033 33034 33035 33039 33054 33055 33056 33060 33061 33062 33063 33064 33065 33066 33067 33068 33069 33071 33072 33073 33074 33075 33076 33077 33081 33082 33083 33084 33090 33092 33093 33097 33101 33102 33109 33111 33112 33114 33116 33119 33122 33124 33125 33126 33127 33128 33129 33130 33131 33132 33133 33134 33135 33136 33137 33138 33139 33140 33141 33142 33143 33144 33145 33146 33147 33149 33150 33151 33152 33153 33154 33155 33156 33157 33158 33159 33160 33161 33162 33163 33164 33165 33166 33167 33168 33169 33170 33172 33173 33174 33175 33176 33177 33178 33179 33180 33181 33182 33183 33184 33185 33186 33187 33188 33189 33190 33193 33194 33196 33197 33199 33222 33231 33233 33234 33238 33239 33242 33243 33245 33247 33255 33256 33257 33261 33265 33266 33269 33280 33283 33296 33299 33301 33302 33303 33304 33305 33306 33307 33308 33309 33310 33311 33312 33313 33314 33315 33316 33317 33318 33319 33320 33321 33322 33323 33324 33325 33326 33327 33328 33329 33330 33331 33332 33334 33335 33336 33337 33338 33339 33340 33345 33346 33348 33349 33351 33355 33359 33388 33394 33401 33402 33403 33404 33405 33406 33407 33408 33409 33410 33411 33412 33413 33414 33415 33416 33417 33418 33419 33420 33421 33422 33424 33425 33426 33427 33428 33429 33430 33431 33432 33433 33434 33435 33436 33437 33438 33441 33442 33443 33444 33445 33446 33448 33449 33454 33458 33459 33460 33461 33462 33463 33464 33465 33466 33467 33468 33469 33470 33472 33473 33474 33476 33477 33478 33480 33481 33482 33483 33484 33486 33487 33488 33493 33496 33497 33498 33499 SA5074 FA (8-10) Page 1 of 1 32 This information applies for plan effective dates of January 1, 2011 December 1, 2011

This information applies for plan effective dates of January 1, 2011 December 1, 2011 33 Appendix FLORIDA Area 2 ZIP Codes, Effective August 1, 2010 The ZIP Codes Below Apply to Rates Included on the Page Headed Cover Page Rates SA5074 FB (8-10) Page 1 of 2 u 32003 32004 32006 32009 32011 32030 32033 32034 32035 32041 32043 32046 32050 32065 32067 32068 32073 32079 32080 32081 32082 32084 32085 32086 32092 32095 32097 32099 32145 32160 32201 32202 32203 32204 32205 32206 32207 32208 32209 32210 32211 32212 32214 32215 32216 32217 32218 32219 32220 32221 32222 32223 32224 32225 32226 32227 32228 32229 32230 32231 32232 32233 32234 32235 32236 32237 32238 32239 32240 32241 32244 32245 32246 32247 32250 32254 32255 32256 32257 32258 32259 32260 32266 32277 32401 32402 32403 32404 32405 32406 32407 32408 32409 32410 32411 32412 32413 32417 32422 32425 32427 32428 32433 32434 32435 32437 32438 32439 32444 32452 32455 32456 32457 32459 32461 32462 32463 32464 32465 32466 32501 32502 32503 32504 32505 32506 32507 32508 32509 32511 32512 32513 32514 32516 32520 32521 32522 32523 32524 32526 32530 32531 32533 32534 32535 32536 32537 32538 32539 32540 32541 32542 32544 32547 32548 32549 32550 32559 32560 32561 32562 32563 32564 32565 32566 32567 32568 32569 32570 32571 32572 32577 32578 32579 32580 32583 32588 32590 32591 32592 32656 32701 32703 32704 32707 32708 32709 32710 32712 32714 32715 32716 32718 32719 32730 32732 32733 32745 32746 32747 32750 32751 32752 32754 32762 32765 32766 32768 32771 32772 32773 32775 32777 32779 32780 32781 32782 32783 32789 32790 32791 32792 32793 32794 32795 32796 32798 32799 32801 32802 32803 32804 32805 32806 32807 32808 32809 32810 32811 32812 32814 32815 32816 32817 32818 32819 32820 32821 32822 32824 32825 32826 32827 32828 32829 32830 32831 32832 32833 32834 32835 32836 32837 32839 32853 32854 32855 32856 32857 32858 32859 32860 32861 32862 32867 32868 32869 32872 32877 32878 32885 32886 32887 32891 32896 32897 32899 32901 32902 32903 32904 32905 32906 32907 32908 32909 32910 32911 32912 32919 32920 32922 32923 32924 32925 32926 32927 32931 32932 32934 32935 32936 32937 32940 32941 32948 32949 32950 32951 32952 32953 32954 32955 32956 32957 32958 32959 32960 32961 32962 32963 32964 32965 32966 32967 32968 32969 32970 32971 32976 32978 33001 33036 33037 33040 33041 33042 33043 33045 33050 33051 33052 33070 33440 33455 33471 33475 33503 33508 33509 33510 33511 33523 33524 33525 33526 33527 33530 33534 33537 33539 33540 33541 33542 33543 33544 33545 33547 33548 33549 33550 33556 33558 33559 33563 33564 33565 33566 33567 33568 33569 33570 33571 33572 33573 33574 33575 33576 33578 33579 33583 33584 33586 33587 33592 33593 33594 33595 33596 33598 33601 33602 33603 33604 33605 33606 33607 33608 33609 33610 33611 33612 33613 33614 33615 33616 33617 33618 33619 33620 33621 33622 33623 33624 33625 33626 33629 33630 33631 33633 33634 33635 33637 33646 33647 33650 33655 33660 33661 33662 33663 33664 33672 33673 33674 33675 33677 33679 33680 33681 33682 33684 33685 33686 33687 33688 33689 33690 33694 33701 33702 33703 33704 33705 33706 33707 33708 33709 33710 33711 33712 33713 33714 33715 33716 33729 33730 33731 33732 33733 33734 33736 33737 33738 33740 33741 33742 33743 33744 33747 33755 33756 33757 33758 33759 33760 33761 33762 33763 33764 33765 33766 33767 33769 33770 33771 33772 33773 33774 33775 33776 33777 33778 33779 33780 33781 33782 33784 33785 33786 33825 33826 33834 33848 33852 33857 33862 33865 33870 33871

34 This information applies for plan effective dates of January 1, 2011 December 1, 2011 Appendix FLORIDA Area 2 ZIP Codes CONTINUED Page 2 of 2 33872 33873 33875 33876 33890 33901 33902 33903 33904 33905 33906 33907 33908 33909 33910 33911 33912 33913 33914 33915 33916 33917 33918 33919 33920 33921 33922 33924 33927 33928 33929 33930 33931 33932 33935 33936 33938 33944 33945 33946 33947 33948 33949 33950 33951 33952 33953 33954 33955 33956 33957 33960 33965 33966 33967 33970 33971 33972 33973 33974 33975 33976 33980 33981 33982 33983 33990 33991 33993 33994 34101 34102 34103 34104 34105 34106 34107 34108 34109 34110 34112 34113 34114 34116 34117 34119 34120 34133 34134 34135 34136 34137 34138 34139 34140 34141 34142 34143 34145 34146 34201 34202 34203 34204 34205 34206 34207 34208 34209 34210 34211 34212 34215 34216 34217 34218 34219 34220 34221 34222 34223 34224 34228 34229 34230 34231 34232 34233 34234 34235 34236 34237 34238 34239 34240 34241 34242 34243 34250 34251 34260 34264 34265 34266 34267 34268 34269 34270 34272 34274 34275 34276 34277 34278 34280 34281 34282 34284 34285 34286 34287 34288 34289 34290 34291 34292 34293 34295 34601 34602 34603 34604 34605 34606 34607 34608 34609 34610 34611 34613 34614 34636 34637 34638 34639 34652 34653 34654 34655 34656 34660 34661 34667 34668 34669 34673 34674 34677 34679 34680 34681 34682 34683 34684 34685 34688 34689 34690 34691 34692 34695 34697 34698 34734 34739 34740 34741 34742 34743 34744 34745 34746 34747 34758 34760 34761 34769 34770 34771 34772 34773 34777 34778 34786 34787 34945 34946 34947 34948 34949 34950 34951 34952 34953 34954 34956 34957 34958 34972 34973 34974 34979 34981 34982 34983 34984 34985 34986 34987 34988 34990 34991 34992 34994 34995 34996 34997

FLORIDA Area 3 ZIP Codes, Effective August 1, 2010 The ZIP Codes Below Apply to Rates Included on the Page Headed Cover Page Rates 32007 32008 32013 32024 32025 32026 32038 32040 32042 32044 32052 32053 32054 32055 32056 32058 32059 32060 32061 32062 32063 32064 32066 32071 32072 32083 32087 32091 32094 32096 32102 32105 32110 32111 32112 32113 32114 32115 32116 32117 32118 32119 32120 32121 32122 32123 32124 32125 32126 32127 32128 32129 32130 32131 32132 32133 32134 32135 32136 32137 32138 32139 32140 32141 32142 32147 32148 32149 32157 32158 32159 32162 32163 32164 32168 32169 32170 32173 32174 32175 32176 32177 32178 32179 32180 32181 32182 32183 32185 32187 32189 32190 32192 32193 32195 32198 32301 32302 32303 32304 32305 32306 32307 32308 32309 32310 32311 32312 32313 32314 32315 32316 32317 32318 32320 32321 32322 32323 32324 32326 32327 32328 32329 32330 32331 32332 32333 32334 32335 32336 32337 32340 32341 32343 32344 32345 32346 32347 32348 32350 32351 32352 32353 32355 32356 32357 32358 32359 32360 32361 32362 32395 32399 32420 32421 32423 32424 32426 32430 32431 32432 32440 32442 32443 32445 32446 32447 32448 32449 32460 32601 32602 32603 32604 32605 32606 32607 32608 32609 32610 32611 32612 32613 32614 32615 32616 32617 32618 32619 32621 32622 32625 32626 32627 32628 32631 32633 32634 32635 32639 32640 32641 32643 32644 32648 32653 32654 32655 32658 32662 32663 32664 32666 32667 32668 32669 32680 32681 32683 32686 32692 32693 32694 32696 32697 32702 32706 32713 32720 32721 32722 32723 32724 32725 32726 32727 32728 32735 32736 32738 32739 32744 32753 32756 32757 32759 32763 32764 32767 32774 32776 32778 32784 33513 33514 33521 33538 33585 33597 33801 33802 33803 33804 33805 33806 33807 33809 33810 33811 33812 33813 33815 33820 33823 33827 33830 33831 33835 33836 33837 33838 33839 33840 33841 33843 33844 33845 33846 33847 33849 33850 33851 33853 33854 33855 33856 33858 33859 33860 33863 33867 33868 33877 33880 33881 33882 33883 33884 33885 33888 33896 33897 33898 34420 34421 34423 34428 34429 34430 34431 34432 34433 34434 34436 34442 34445 34446 34447 34448 34449 34450 34451 34452 34453 34460 34461 34464 34465 34470 34471 34472 34473 34474 34475 34476 34477 34478 34479 34480 34481 34482 34483 34484 34487 34488 34489 34491 34492 34498 34705 34711 34712 34713 34714 34715 34729 34731 34736 34737 34748 34749 34753 34755 34756 34759 34762 34785 34788 34789 34797 SA5074 FC (8-10) Page 1 of 1 Appendix This information applies for plan effective dates of January 1, 2011 December 1, 2011 35

Notes Notes 36 This information applies for plan effective dates of January 1, 2011 December 1, 2011

Notes This information applies for plan effective dates of January 1, 2011 December 1, 2011 37

Questions? Contact the Producer Help Desk (PHD). Phone: 1-888-381-8581 Monday through Friday 8:00 a.m. 8:00 p.m. EST E-mail: phd@uhc.com AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse insurance agents, brokers, producers, representatives or advisors. A UnitedHealthcare Medicare Solution