benefit plans a, b, f, hf, g, & n - asp | home · outline of coverage medicare supplement...
TRANSCRIPT
800 Crescent Centre Dr. Suite 200
Franklin, TN 37067800 264.4000
aetnaseniorproducts.com
Outline of CoverageMedicare Supplement Insurance
Underwritten by
Continental Life Insurance Company of Brentwood, Tennessee
An Aetna Company
Rates Effective:
BENEFIT PLANS A, B, F, HF, G, & N
Kansas
CLIMS03988KS © 2017 Aetna Inc. 02/2018 A
CLI
MS0
3988
KS
02
/201
8 A
1
CO
NTI
NEN
TAL
LIFE
INSU
RAN
CE
CO
MPA
NY
OF
BR
ETW
OO
D, T
ENN
ESSE
E O
UTL
INE
OF
MED
ICAR
E SU
PPLE
MEN
T C
OVE
RAG
E C
OVE
R P
AGE
BEN
EFIT
PLA
NS
AVAI
LAB
LE: A
, B, F
, Hig
h D
educ
tible
F, G
, N
Th
ese
char
ts s
how
the b
enefits
in
clu
de
d in e
ach
of
the s
tand
ard
Me
dic
are
su
pp
lem
ent
pla
ns. E
ve
ry c
om
pa
ny m
ust m
ake
ava
ilable
Pla
n “
A.”
So
me
plan
s m
ay n
ot b
e av
aila
ble
in y
our s
tate
.
See
Out
lines
of C
over
age
sect
ions
for d
etai
ls a
bout
ALL
Pla
ns
Bas
ic B
enef
its:
Hos
pita
lizat
ion:
Par
t A c
oins
uran
ce p
lus
cove
rage
for 3
65 a
dditi
onal
day
s af
ter M
edic
are
bene
fits
end.
M
edic
al E
xpen
ses:
Par
t B c
oins
uran
ce (g
ener
ally
20%
of M
edic
are-
Appr
oved
exp
ense
s) o
r, co
-pay
men
ts fo
r hos
pita
l out
patie
nt s
ervi
ces.
Pla
ns
K, L
, and
N re
quire
insu
reds
to p
ay a
por
tion
of c
oins
uran
ce o
r cop
aym
ents
Bl
ood:
Firs
t thr
ee p
ints
of b
lood
eac
h ye
ar.
Hos
pice
: Par
t A c
oins
uran
ce
A
B
C
D
F/F*
G
K
L
M
N
Basi
c,
incl
udin
g 10
0%
Part
B co
insu
ranc
e
Basi
c,
incl
udin
g 10
0% P
art B
co
insu
ranc
e
Basi
c,
incl
udin
g 10
0% P
art B
co
insu
ranc
e
Basi
c,
incl
udin
g 10
0% P
art B
co
insu
ranc
e
Basi
c,
incl
udin
g 10
0% P
art B
co
insu
ranc
e
Basi
c,
incl
udin
g 10
0% P
art B
co
insu
ranc
e
Hos
pita
lizat
ion
and
prev
entiv
e ca
re p
aid
at
100%
; oth
er
basi
c be
nefit
s pa
id a
t 50%
Hos
pita
lizat
ion
and
prev
entiv
e ca
re p
aid
at
100%
; oth
er
basi
c be
nefit
s pa
id a
t 50%
Basi
c,
incl
udin
g 10
0% P
art B
co
insu
ranc
e
Basi
c, in
clud
ing
100%
Par
t B
coin
sura
nce,
exc
ept
up to
$20
co
paym
ent f
or o
ffice
vi
sit,
and
up to
$50
co
paym
ent f
or E
R
Skille
d N
ursi
ng
Faci
lity
Coi
nsur
ance
Skille
d N
ursi
ng
Faci
lity
Coi
nsur
ance
Skille
d N
ursi
ng
Faci
lity
Coi
nsur
ance
Skille
d N
ursi
ng
Faci
lity
Coi
nsur
ance
50%
Ski
lled
Nur
sing
Fa
cilit
y C
oins
uran
ce
75%
Ski
lled
Nur
sing
Fa
cilit
y C
oins
uran
ce
Skille
d N
ursi
ng
Faci
lity
Coi
nsur
ance
Skille
d N
ursi
ng
Faci
lity
Coi
nsur
ance
Pa
rt A
Ded
uctib
le
Part
A D
educ
tible
Pa
rt A
Ded
uctib
le
Part
A D
educ
tible
Pa
rt A
Ded
uctib
le
50%
Par
t A
Ded
uctib
le
75%
Par
t A
Ded
uctib
le
Part
A D
educ
tible
Pa
rt A
Ded
uctib
le
Part
B D
educ
tible
Part
B D
educ
tible
Part
B Ex
cess
(1
00%
)
Part
B Ex
cess
(1
00%
)
Fore
ign
Trav
el
Emer
genc
y
Fore
ign
Trav
el
Emer
genc
y
Fore
ign
Trav
el
Emer
genc
y
Fore
ign
Trav
el
Emer
genc
y
Fore
ign
Trav
el
Emer
genc
y
Fore
ign
Trav
el
Emer
genc
y
Out
-of-p
ocke
t lim
it $5
240;
pa
id a
t 100
%
afte
r lim
it re
ache
d
Out
-of-p
ocke
t lim
it $2
620;
pa
id a
t 100
%
afte
r lim
it re
ache
d
*Pla
n F
also
has
an
optio
n ca
lled
a hi
gh d
educ
tible
pla
n F.
Thi
s hi
gh d
educ
tible
pla
n pa
ys t
he s
ame
bene
fits
as P
lan
F af
ter
one
has
paid
a
cale
ndar
yea
r $2
240
dedu
ctib
le. B
enef
its fr
om h
igh
dedu
ctib
le p
lan
F w
ill no
t beg
in u
ntil
out-o
f-poc
ket e
xpen
ses
exce
ed $
2240
. O
ut-o
f-poc
ket
expe
nses
for t
his
dedu
ctib
le a
re e
xpen
ses
that
wou
ld o
rdin
arily
be
paid
by
the
polic
y. T
hese
exp
ense
s in
clud
e th
e M
edic
are
dedu
ctib
les
for P
art
A a
nd
Pa
rt B
, b
ut
do n
ot in
clu
de
th
e p
lan’s
se
para
te fo
reig
n tra
ve
l e
merg
ency d
ed
uctib
le.
CLI
MS0
3988
KS
02
/201
8 A
2
Att
ain
ed
Pre
ferr
ed
Att
ain
ed
Stan
dar
d
Age
Pla
n A
Pla
n B
Pla
n F
Hig
h F
Pla
n G
Pla
n N
Age
Pla
n A
Pla
n B
Pla
n F
Hig
h F
Pla
n G
Pla
n N
U
nd
er
651,
309
1,35
41,
618
647
1,36
41,
101
Un
de
r 65
1,45
51,
504
1,79
771
91,
515
1,22
3
65
1,30
91,
354
1,61
864
71,
364
1,10
165
1,45
51,
504
1,79
771
91,
515
1,22
3
66
1,30
91,
354
1,61
864
71,
364
1,10
166
1,45
51,
504
1,79
771
91,
515
1,22
3
67
1,30
91,
354
1,61
864
71,
364
1,10
167
1,45
51,
504
1,79
771
91,
515
1,22
3
68
1,32
51,
371
1,63
765
41,
380
1,11
368
1,47
21,
523
1,81
972
71,
534
1,23
8
69
1,35
31,
400
1,67
266
91,
409
1,13
769
1,50
31,
555
1,85
874
31,
566
1,26
4
70
1,38
91,
436
1,71
668
71,
447
1,16
770
1,54
31,
596
1,90
776
41,
608
1,29
7
71
1,43
11,
480
1,76
870
71,
490
1,20
271
1,59
01,
644
1,96
578
61,
656
1,33
6
72
1,47
51,
526
1,82
372
91,
537
1,24
072
1,63
91,
696
2,02
681
01,
707
1,37
8
73
1,52
41,
576
1,88
275
31,
587
1,28
173
1,69
31,
751
2,09
283
61,
763
1,42
3
74
1,57
71,
631
1,94
878
01,
643
1,32
574
1,75
21,
812
2,16
486
61,
825
1,47
2
75
1,63
51,
690
2,02
080
81,
702
1,37
475
1,81
71,
878
2,24
489
71,
891
1,52
6
76
1,69
21,
750
2,09
183
61,
763
1,42
276
1,88
01,
944
2,32
392
91,
958
1,58
0
77
1,74
91,
809
2,16
186
41,
822
1,47
077
1,94
32,
010
2,40
196
02,
024
1,63
3
78
1,80
61,
867
2,23
189
21,
881
1,51
778
2,00
72,
075
2,48
099
12,
091
1,68
6
79
1,86
51,
929
2,30
492
11,
943
1,56
779
2,07
32,
143
2,56
01,
024
2,15
91,
741
80
1,92
31,
989
2,37
795
02,
003
1,61
780
2,13
72,
211
2,64
21,
056
2,22
61,
796
81
1,98
42,
052
2,45
298
12,
067
1,66
881
2,20
42,
280
2,72
41,
090
2,29
71,
853
82
2,04
72,
116
2,52
71,
011
2,13
11,
719
822,
274
2,35
12,
808
1,12
32,
367
1,91
1
83
2,10
92,
182
2,60
61,
042
2,19
71,
772
832,
344
2,42
42,
895
1,15
82,
441
1,96
9
84
2,17
42,
249
2,68
61,
075
2,26
51,
826
842,
416
2,49
82,
984
1,19
42,
516
2,02
9
85
2,25
02,
326
2,77
91,
111
2,34
41,
890
852,
499
2,58
43,
088
1,23
42,
604
2,10
0
86
2,31
42,
393
2,85
91,
144
2,41
11,
944
862,
571
2,65
93,
176
1,27
12,
678
2,16
0
87
2,37
92,
461
2,94
01,
176
2,47
91,
999
872,
644
2,73
53,
266
1,30
72,
754
2,22
2
88
2,44
62,
529
3,02
21,
209
2,54
82,
055
882,
718
2,81
03,
358
1,34
22,
831
2,28
3
89
2,51
42,
600
3,10
61,
242
2,61
92,
112
892,
794
2,88
83,
452
1,38
02,
910
2,34
7
90
2,58
32,
672
3,19
11,
277
2,69
02,
171
902,
871
2,96
93,
546
1,41
82,
989
2,41
2
91
2,65
42,
744
3,27
91,
311
2,76
42,
230
912,
948
3,04
93,
643
1,45
73,
070
2,47
8
92
2,72
52,
818
3,36
71,
347
2,83
82,
290
923,
027
3,13
13,
741
1,49
73,
154
2,54
4
93
2,79
82,
893
3,45
71,
382
2,91
42,
351
933,
109
3,21
53,
842
1,53
63,
238
2,61
3
94
2,87
22,
970
3,54
81,
419
2,99
22,
413
943,
190
3,30
03,
942
1,57
73,
324
2,68
1
95
2,94
63,
047
3,64
11,
456
3,06
92,
476
953,
273
3,38
54,
046
1,61
83,
411
2,75
2
96
3,02
33,
126
3,73
51,
494
3,14
82,
540
963,
359
3,47
34,
149
1,66
03,
498
2,82
2
97
3,10
03,
205
3,83
01,
533
3,22
92,
605
973,
444
3,56
24,
255
1,70
33,
588
2,89
4
98
3,17
83,
286
3,92
71,
570
3,31
02,
671
983,
532
3,65
14,
363
1,74
53,
678
2,96
8
99
+3,
257
3,36
94,
025
1,61
03,
393
2,73
899
+3,
619
3,74
34,
472
1,79
03,
770
3,04
2
Mo
dal
Fac
tors
:Se
mi-
An
nu
al:
0.52
00Q
uar
terl
y:0.
2650
Mo
nth
ly:
0.08
33
The
ab
ove
rat
es
do
no
t in
clu
de
th
e $
20 o
ne
-tim
e p
oli
cy f
ee
.
To c
alcu
late
a H
ou
seh
old
dis
cou
nt:
A
nn
ual
pre
miu
m x
mo
dal
fac
tor
= m
od
al p
rem
ium
(ro
un
d t
o n
ear
est
wh
ole
ce
nt)
M
od
al p
rem
ium
x .9
3 =
dis
cou
nte
d p
rem
ium
Rat
es E
ffec
tive
2/1
/20
18
Fem
ale
Rat
es
Co
nti
ne
nta
l Lif
e In
sura
nce
Co
mp
any
of
Bre
ntw
oo
d, T
en
ne
sse
eA
nn
ual
Pre
miu
ms
For
Use
in
ZIP
Co
des
: 6
61
-66
2, 6
72
CLI
MS0
3988
KS
02
/201
8 A
3
Att
ain
ed
Pre
ferr
ed
Att
ain
ed
Stan
dar
d
Age
Pla
n A
Pla
n B
Pla
n F
Hig
h F
Pla
n G
Pla
n N
Age
Pla
n A
Pla
n B
Pla
n F
Hig
h F
Pla
n G
Pla
n N
U
nd
er
651,
506
1,55
71,
861
744
1,56
81,
266
Un
de
r 65
1,67
31,
730
2,06
782
71,
742
1,40
6
65
1,50
61,
557
1,86
174
41,
568
1,26
665
1,67
31,
730
2,06
782
71,
742
1,40
6
66
1,50
61,
557
1,86
174
41,
568
1,26
666
1,67
31,
730
2,06
782
71,
742
1,40
6
67
1,50
61,
557
1,86
174
41,
568
1,26
667
1,67
31,
730
2,06
782
71,
742
1,40
6
68
1,52
41,
576
1,88
275
31,
588
1,28
168
1,69
21,
752
2,09
283
61,
764
1,42
3
69
1,55
61,
609
1,92
276
91,
621
1,30
869
1,72
91,
788
2,13
685
41,
801
1,45
4
70
1,59
71,
652
1,97
378
91,
664
1,34
270
1,77
41,
836
2,19
387
81,
849
1,49
1
71
1,64
61,
702
2,03
481
31,
714
1,38
271
1,82
81,
890
2,25
990
41,
904
1,53
7
72
1,69
71,
755
2,09
683
81,
767
1,42
672
1,88
61,
950
2,33
093
21,
963
1,58
4
73
1,75
31,
812
2,16
486
61,
824
1,47
373
1,94
72,
013
2,40
696
12,
027
1,63
7
74
1,81
31,
876
2,24
189
61,
889
1,52
474
2,01
42,
084
2,48
999
62,
100
1,69
2
75
1,88
01,
944
2,32
392
91,
957
1,58
075
2,08
92,
160
2,58
11,
032
2,17
51,
755
76
1,94
62,
012
2,40
496
12,
027
1,63
676
2,16
22,
236
2,67
21,
068
2,25
21,
817
77
2,01
12,
080
2,48
599
42,
095
1,69
077
2,23
52,
311
2,76
01,
104
2,32
71,
878
78
2,07
72,
147
2,56
61,
026
2,16
31,
745
782,
308
2,38
62,
851
1,14
02,
404
1,93
9
79
2,14
52,
218
2,64
91,
059
2,23
51,
803
792,
384
2,46
52,
944
1,17
72,
483
2,00
2
80
2,21
22,
287
2,73
31,
093
2,30
41,
860
802,
458
2,54
23,
038
1,21
52,
560
2,06
5
81
2,28
22,
360
2,82
01,
128
2,37
71,
918
812,
535
2,62
23,
132
1,25
32,
642
2,13
1
82
2,35
32,
433
2,90
61,
162
2,45
11,
977
822,
616
2,70
43,
229
1,29
22,
723
2,19
7
83
2,42
62,
509
2,99
71,
199
2,52
62,
038
832,
696
2,78
73,
330
1,33
22,
807
2,26
4
84
2,50
02,
586
3,08
91,
236
2,60
52,
101
842,
779
2,87
33,
431
1,37
42,
894
2,33
4
85
2,58
72,
675
3,19
61,
278
2,69
62,
174
852,
874
2,97
23,
551
1,41
92,
995
2,41
5
86
2,66
12,
752
3,28
81,
315
2,77
22,
236
862,
957
3,05
73,
653
1,46
23,
080
2,48
4
87
2,73
62,
831
3,38
01,
352
2,85
02,
299
873,
040
3,14
53,
756
1,50
33,
168
2,55
5
88
2,81
32,
908
3,47
51,
390
2,93
02,
363
883,
127
3,23
13,
861
1,54
33,
255
2,62
5
89
2,89
12,
989
3,57
21,
429
3,01
22,
429
893,
213
3,32
13,
969
1,58
83,
346
2,69
9
90
2,97
13,
073
3,67
01,
468
3,09
42,
497
903,
302
3,41
44,
077
1,63
13,
438
2,77
3
91
3,05
23,
156
3,77
01,
508
3,17
82,
565
913,
391
3,50
64,
189
1,67
53,
531
2,84
9
92
3,13
33,
240
3,87
31,
549
3,26
42,
633
923,
481
3,60
14,
303
1,72
23,
627
2,92
6
93
3,21
83,
327
3,97
51,
590
3,35
12,
704
933,
576
3,69
84,
418
1,76
63,
724
3,00
5
94
3,30
33,
416
4,08
01,
632
3,44
12,
775
943,
669
3,79
54,
534
1,81
33,
823
3,08
2
95
3,38
83,
504
4,18
71,
674
3,52
92,
848
953,
765
3,89
24,
653
1,86
13,
923
3,16
4
96
3,47
73,
594
4,29
51,
717
3,62
02,
921
963,
863
3,99
44,
771
1,90
94,
023
3,24
5
97
3,56
53,
686
4,40
41,
763
3,71
42,
996
973,
960
4,09
64,
893
1,95
94,
126
3,32
9
98
3,65
53,
779
4,51
51,
806
3,80
73,
072
984,
062
4,19
95,
018
2,00
74,
230
3,41
3
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3,87
44,
629
1,85
23,
902
3,14
899
+4,
162
4,30
55,
143
2,05
84,
336
3,49
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Mo
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Fac
tors
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An
nu
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2650
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The
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rat
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e $
20 o
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oli
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To c
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A
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al p
rem
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rem
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Rat
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ffec
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2/1
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18
Mal
e R
ates
Co
nti
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Co
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any
of
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For
Use
in
ZIP
Co
des
: 6
61
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2, 6
72
CLI
MS0
3988
KS
02
/201
8 A
4
Att
ain
ed
Pre
ferr
ed
Att
ain
ed
Stan
dar
d
Age
Pla
n A
Pla
n B
Pla
n F
Hig
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Pla
n G
Pla
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Age
Pla
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Pla
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Pla
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Hig
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Pla
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Pla
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U
nd
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651,
212
1,25
41,
498
599
1,26
31,
019
Un
de
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1,34
71,
393
1,66
466
61,
403
1,13
2
65
1,21
21,
254
1,49
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91,
263
1,01
965
1,34
71,
393
1,66
466
61,
403
1,13
2
66
1,21
21,
254
1,49
859
91,
263
1,01
966
1,34
71,
393
1,66
466
61,
403
1,13
2
67
1,21
21,
254
1,49
859
91,
263
1,01
967
1,34
71,
393
1,66
466
61,
403
1,13
2
68
1,22
71,
269
1,51
660
61,
278
1,03
168
1,36
31,
410
1,68
467
31,
420
1,14
6
69
1,25
31,
296
1,54
861
91,
305
1,05
369
1,39
21,
440
1,72
068
81,
450
1,17
0
70
1,28
61,
330
1,58
963
61,
340
1,08
170
1,42
91,
478
1,76
670
71,
489
1,20
1
71
1,32
51,
370
1,63
765
51,
380
1,11
371
1,47
21,
522
1,81
972
81,
533
1,23
7
72
1,36
61,
413
1,68
867
51,
423
1,14
872
1,51
81,
570
1,87
675
01,
581
1,27
6
73
1,41
11,
459
1,74
369
71,
469
1,18
673
1,56
81,
621
1,93
777
41,
632
1,31
8
74
1,46
01,
510
1,80
472
21,
521
1,22
774
1,62
21,
678
2,00
480
21,
690
1,36
3
75
1,51
41,
565
1,87
074
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576
1,27
275
1,68
21,
739
2,07
883
11,
751
1,41
3
76
1,56
71,
620
1,93
677
41,
632
1,31
776
1,74
11,
800
2,15
186
01,
813
1,46
3
77
1,61
91,
675
2,00
180
01,
687
1,36
177
1,79
91,
861
2,22
388
91,
874
1,51
2
78
1,67
21,
729
2,06
682
61,
742
1,40
578
1,85
81,
921
2,29
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81,
936
1,56
1
79
1,72
71,
786
2,13
385
31,
799
1,45
179
1,91
91,
984
2,37
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81,
999
1,61
2
80
1,78
11,
842
2,20
188
01,
855
1,49
780
1,97
92,
047
2,44
697
82,
061
1,66
3
81
1,83
71,
900
2,27
090
81,
914
1,54
481
2,04
12,
111
2,52
21,
009
2,12
71,
716
82
1,89
51,
959
2,34
093
61,
973
1,59
282
2,10
62,
177
2,60
01,
040
2,19
21,
769
83
1,95
32,
020
2,41
396
52,
034
1,64
183
2,17
02,
244
2,68
11,
072
2,26
01,
823
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2,01
32,
082
2,48
799
52,
097
1,69
184
2,23
72,
313
2,76
31,
106
2,33
01,
879
85
2,08
32,
154
2,57
31,
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2,17
01,
750
852,
314
2,39
32,
859
1,14
32,
411
1,94
4
86
2,14
32,
216
2,64
71,
059
2,23
21,
800
862,
381
2,46
22,
941
1,17
72,
480
2,00
0
87
2,20
32,
279
2,72
21,
089
2,29
51,
851
872,
448
2,53
23,
024
1,21
02,
550
2,05
7
88
2,26
52,
342
2,79
81,
119
2,35
91,
903
882,
517
2,60
23,
109
1,24
32,
621
2,11
4
89
2,32
82,
407
2,87
61,
150
2,42
51,
956
892,
587
2,67
43,
196
1,27
82,
694
2,17
3
90
2,39
22,
474
2,95
51,
182
2,49
12,
010
902,
658
2,74
93,
283
1,31
32,
768
2,23
3
91
2,45
72,
541
3,03
61,
214
2,55
92,
065
912,
730
2,82
33,
373
1,34
92,
843
2,29
4
92
2,52
32,
609
3,11
81,
247
2,62
82,
120
922,
803
2,89
93,
464
1,38
62,
920
2,35
6
93
2,59
12,
679
3,20
11,
280
2,69
82,
177
932,
879
2,97
73,
557
1,42
22,
998
2,41
9
94
2,65
92,
750
3,28
51,
314
2,77
02,
234
942,
954
3,05
63,
650
1,46
03,
078
2,48
2
95
2,72
82,
821
3,37
11,
348
2,84
22,
293
953,
031
3,13
43,
746
1,49
83,
158
2,54
8
96
2,79
92,
894
3,45
81,
383
2,91
52,
352
963,
110
3,21
63,
842
1,53
73,
239
2,61
3
97
2,87
02,
968
3,54
61,
419
2,99
02,
412
973,
189
3,29
83,
940
1,57
73,
322
2,68
0
98
2,94
33,
043
3,63
61,
454
3,06
52,
473
983,
270
3,38
14,
040
1,61
63,
406
2,74
8
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+3,
016
3,11
93,
727
1,49
13,
142
2,53
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+3,
351
3,46
64,
141
1,65
73,
491
2,81
7
Mo
dal
Fac
tors
:Se
mi-
An
nu
al:
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2650
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nth
ly:
0.08
33
The
ab
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rat
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do
no
t in
clu
de
th
e $
20 o
ne
-tim
e p
oli
cy f
ee
.
To c
alcu
late
a H
ou
seh
old
dis
cou
nt:
A
nn
ual
pre
miu
m x
mo
dal
fac
tor
= m
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(ro
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M
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rem
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x .9
3 =
dis
cou
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d p
rem
ium
Rat
es E
ffec
tive
2/1
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18
For
Use
in
: R
est
of
Stat
e
Co
nti
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l Lif
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Co
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Pre
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ms
Fem
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Rat
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CLI
MS0
3988
KS
02
/201
8 A
5
Att
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ed
Pre
ferr
ed
Att
ain
ed
Stan
dar
d
Age
Pla
n A
Pla
n B
Pla
n F
Hig
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Pla
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Age
Pla
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Pla
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1,54
91,
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1,91
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1,17
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613
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442
1,72
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452
1,17
266
1,54
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1,91
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613
1,30
2
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1,39
41,
442
1,72
368
91,
452
1,17
267
1,54
91,
602
1,91
476
61,
613
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2
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1,41
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459
1,74
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71,
470
1,18
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1,56
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1,93
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633
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1,78
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501
1,21
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1,60
11,
656
1,97
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668
1,34
6
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530
1,82
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541
1,24
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1,64
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700
2,03
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31,
712
1,38
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1,52
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576
1,88
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31,
587
1,28
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1,69
31,
750
2,09
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71,
763
1,42
3
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1,57
11,
625
1,94
177
61,
636
1,32
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1,74
61,
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2,15
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31,
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1,46
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1,62
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678
2,00
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21,
689
1,36
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1,80
31,
864
2,22
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1,51
6
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1,67
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737
2,07
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1,41
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1,86
51,
930
2,30
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21,
944
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7
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1,74
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800
2,15
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812
1,46
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1,93
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2,39
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1,62
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2,22
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22,
070
2,47
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1,68
2
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1,86
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2,30
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1,56
577
2,06
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140
2,55
61,
022
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51,
739
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1,92
31,
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2,37
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1,61
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2,13
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209
2,64
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056
2,22
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1,98
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054
2,45
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12,
069
1,66
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2,20
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282
2,72
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090
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2,04
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118
2,53
11,
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2,13
31,
722
802,
276
2,35
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813
1,12
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370
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2
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32,
185
2,61
11,
044
2,20
11,
776
812,
347
2,42
82,
900
1,16
02,
446
1,97
3
82
2,17
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2,69
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2,26
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831
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2,50
42,
990
1,19
62,
521
2,03
4
83
2,24
62,
323
2,77
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110
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496
2,58
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1,23
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2,86
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144
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2,66
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177
1,27
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2,16
1
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2,75
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288
1,31
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218
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2,83
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129
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2,36
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693
3,21
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287
2,71
32,
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1,42
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1
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2,78
92,
249
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3,07
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1,47
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2,49
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2,86
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312
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2,94
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3,24
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1,55
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3,02
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3,33
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2
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3,77
81,
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3,18
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569
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3,51
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198
1,67
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82,
637
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3,60
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308
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3,35
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3,69
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3,79
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531
1,81
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3,08
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4,18
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3,88
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3,16
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3,58
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0
Mo
dal
Fac
tors
:Se
mi-
An
nu
al:
0.52
00Q
uar
terl
y:0.
2650
Mo
nth
ly:
0.08
33
The
ab
ove
rat
es
do
no
t in
clu
de
th
e $
20 o
ne
-tim
e p
oli
cy f
ee
.
To c
alcu
late
a H
ou
seh
old
dis
cou
nt:
A
nn
ual
pre
miu
m x
mo
dal
fac
tor
= m
od
al p
rem
ium
(ro
un
d t
o n
ear
est
wh
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ce
nt)
M
od
al p
rem
ium
x .9
3 =
dis
cou
nte
d p
rem
ium
Rat
es E
ffec
tive
2/1
/20
18
Co
nti
ne
nta
l Lif
e In
sura
nce
Co
mp
any
of
Bre
ntw
oo
d, T
en
ne
sse
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nn
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CLIMS03988KS 02/2018 A 6
PREMIUM INFORMATION
Continental Life Insurance Company of Brentwood, Tennessee can only raise your premium if we raise the premium for all policies like yours in this state. Premiums for this policy will increase due to the increase in your age. Upon attainment of an age requiring a rate increase, the renewal premium for the policy will be the renewal premium then in effect for your attained age. Other policies may be provided with Issue Age rating and do not increase with age. You should compare Issue Age with Attained Age policies.
Premiums payable other than annually will be determined according to the following factors:
Semi-annual: 0.5200 Quarterly: 0.2650 Monthly EFT: 0.0833.
HOUSEHOLD DISCOUNT
In order to be eligible for the Household discount under a Continental Life Insurance Company of Brentwood, Tennessee Medicare supplement plan, you must apply for a Medicare supplement plan at the same time as another Medicare eligible adult or the other Medicare eligible adult must currently be covered by an Aetna Company Medicare supplement policy. The Medicare eligible adult must be either (a) your spouse; or (b) someone with whom you are in a civil union partnership; and (c) someone with whom you have continuously resided for the past 12 months. The household discount will only be applicable if a policy for each applicant is issued. The discounted rate will be 7 percent lower than the individual rates and will apply as long as both policies remain in force.
DISCLOSURES
Use this outline to compare benefits and premium 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 Continental Life Insurance Company of Brentwood, Tennessee, P.O. Box 14770, Lexington, KY 40512-4770. 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 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 The policy may not cover all of your medical costs.
Neither Continental Life Insurance Company of Brentwood, Tennessee nor its agents are connected with Medicare.
This outline of coverage does not give all the details of Medicare coverage. Contact your local Social Security Office or consult Medicare & You for more details.
CANCELLATION BY INSURED The insured may cancel this policy at any time by written notice delivered or mailed to the insurer, effective upon receipt of such notice or on such late date as may be specified in such notice. In the event of cancellation or death of the insured, the insurer will promptly return the unearned portion of any premium paid beyond the date of termination. The earned premium shall be computed by the use of the pro-rata method. Cancellation shall be without prejudice to any claim originating prior to the effective date of cancellation.
GUARANTEED RENEWABLE You have the right to renew this policy, for consecutive terms, by payment of the required premium before the end of each grace period. You have the right to renew this policy regardless of changes in your physical, mental or health conditions.
COMPLETE ANSWERS ARE VERY IMPORTANT When you fill out the application for the new policy, be sure to answer truthfully and completely any 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.
THE FOLLOWING CHARTS DESCRIBE PLANS A, B, F, HIGH DEDUCTIBLE F, G and N OFFERED BY CONTINENTAL LIFE INSURANCE COMPANY OF BRENTWOOD, TENNESSEE.
YOU HAVE PURCHASED PLAN __________. PREMIUM FOR THIS PLAN IS $___________. PREMIUM WILL BE PAID ________________. AGENT’S NAME:________________________ AGENT’S ADDRESS:____________________ ______________________________________
CLIMS03988KS 02/2018 A 7
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.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies
First 60 days All but $1340 $0 $1340 (Part A Deductible)
61st thru 90th day All but $335 a day $335 a day $0 91st day and after While using 60 lifetime reserve days All but $670 a day $670 a day $0 Once lifetime reserve days are used:
Additional 365 days $0 100% of Medicare Eligible Expenses
$0**
Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital
First 20 days All approved amounts $0 $0 21st thru 100th day All but $167.50 a day $0 Up to $167.50 a
day 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE You must meet Medicare’s requirements, including a doctor’s certification of terminal illness.
All but very limited copayment/ coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/ coinsurance
$0
**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.
CLIMS03988KS 02/2018 A 8
PLAN A MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
*Once you have been billed $183 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
MEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above Medicare-Approved amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
PARTS A & B
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOME HEALTH CARE – MEDICARE APPROVED SERVICES
Medically necessary skilled care services and medical supplies
100% $0 $0
Durable medical equipment
First $183 of Medicare Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare Approved amounts 80% 20% $0
CLIMS03988KS 02/2018 A 9
PLAN B MEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies
First 60 days All but $1340 $1340 (Part A Deductible)
$0
61st thru 90th day All but $335 a day $335 a day $0 91st day and after While using 60 lifetime reserve days All but $670 a day $670 a day $0 Once lifetime reserve days are used:
Additional 365 days $0 100% of Medicare Eligible Expenses
$0**
Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE*
You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital
First 20 days All approved amounts
$0 $0
21st thru 100th day All but $167.50 a day
$0 Up to $167.50 a day
101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care
$0 $0
**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 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.
CLIMS03988KS 02/2018 A 10
PLAN B MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
* Once you have been billed $183 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
MEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above Medicare-Approved amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES –
TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
PARTS A & B
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOME HEALTH CARE – MEDICARE APPROVED SERVICES
Medically necessary skilled care services and medical supplies
100% $0 $0
Durable medical equipment First $183 of Medicare Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare Approved amounts 80% 20% $0
CLIMS03988KS 02/2018 A 11
PLAN F MEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies
First 60 days All but $1340 $1340 (Part A Deductible)
$0
61st thru 90th day All but $335 a day $335 a day $0 91st day and after While using 60 lifetime reserve days All but $670 a day $670 a day $0 Once lifetime reserve days are used:
Additional 365 days $0 100% of Medicare Eligible Expenses
$0**
Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE*
You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital
First 20 days All approved amounts
$0 $0
21st thru 100th day All but $167.50 a day
Up to $167.50 a day
$0
101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care
$0 $0
**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 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.
CLIMS03988KS 02/2018 A 12
PLAN F MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
*Once you have been billed $183 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
MEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $183 of Medicare-Approved amounts*
$0 $183 (Part B Deductible)
$0
Remainder of Medicare-Approved amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above Medicare-Approved amounts) $0 100% $0 BLOOD First 3 pints $0 All costs $0 Next $183 of Medicare-Approved amounts*
$0 $183 (Part B Deductible)
$0
Remainder of Medicare-Approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
PARTS A & B
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOME HEALTH CARE – MEDICARE APPROVED SERVICES
Medically necessary skilled care services and medical supplies
100% $0 $0
Durable medical equipment First $183 of Medicare Approved amounts*
$0 $183 (Part B Deductible)
$0
Remainder of Medicare Approved amounts 80% 20% $0
CLIMS03988KS 02/2018 A 13
PLAN F OTHER BENEFITS – NOT COVERED BY MEDICARE
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
FOREIGN TRAVEL – NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA
First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime
maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
CLIMS03988KS 02/2018 A 14
HIGH DEDUCTIBLE PLAN F MEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. ***This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2240 deductible. Benefits from high deductible plan F will not begin until out-of-pocket expenses are $2240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.
SERVICES MEDICARE
PAYS AFTER YOU PAY
$2240 DEDUCTIBLE***
PLAN PAYS
IN ADDITION TO $2240
DEDUCTIBLE*** YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies
First 60 days All but $1340 $1340 (Part A Deductible)
$0
61st thru 90th day All but $335 a day $335 a day $0 91st day and after While using 60 lifetime reserve days All but $670 a day $670 a day $0 Once lifetime reserve days are used:
Additional 365 days $0 100% of Medicare Eligible Expenses
$0**
Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE*
You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital
First 20 days All approved amounts
$0 $0
21st thru 100th day All but $167.50 a day
Up to $167.50 a day
$0
101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0
CLIMS03988KS 02/2018 A 15
HOSPICE CARE You must meet Medicare’s requirements, including a doctor’s certification of terminal illness.
All but very limited copayment/ coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/ coinsurance
$0
**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 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.
CLIMS03988KS 02/2018 A 16
HIGH DEDUCTIBLE PLAN F MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
*Once you have been billed $183 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year. ***This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2240 deductible. Benefits from high deductible plan F will not begin until out-of-pocket expenses are $2240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.
SERVICES MEDICARE
PAYS AFTER YOU PAY
$2240 DEDUCTIBLE***
PLAN PAYS
IN ADDITION TO $2240
DEDUCTIBLE*** YOU PAY
MEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $183 of Medicare-Approved amounts*
$0 $183 (Part B Deductible)
$0
Remainder of Medicare-Approved amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above Medicare-Approved amounts) $0 100% $0 BLOOD First 3 pints $0 All costs $0 Next $183 of Medicare-Approved amounts*
$0 $183 (Part B Deductible)
$0
Remainder of Medicare-Approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
CLIMS03988KS 02/2018 A 17
HIGH DEDUCTIBLE PLAN F
PARTS A & B
SERVICES MEDICARE
PAYS AFTER YOU PAY
$2240 DEDUCTIBLE***
PLAN PAYS
IN ADDITION TO $2240
DEDUCTIBLE*** YOU PAY
HOME HEALTH CARE – MEDICARE APPROVED SERVICES
Medically necessary skilled care services and medical supplies
100% $0 $0
Durable medical equipment First $183 of Medicare Approved amounts*
$0 $183 (Part B Deductible)
$0
Remainder of Medicare Approved amounts 80% 20% $0
OTHER BENEFITS – NOT COVERED BY MEDICARE
SERVICES MEDICARE
PAYS AFTER YOU PAY
$2240 DEDUCTIBLE**
PLAN PAYS
IN ADDITION TO $2240
DEDUCTIBLE** YOU PAY
FOREIGN TRAVEL – NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA
First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime
maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
CLIMS03988KS 02/2018 A 18
PLAN G MEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies
First 60 days All but $1340 $1340 (Part A Deductible)
$0
61st thru 90th day All but $335 a day $335 a day $0 91st day and after While using 60 lifetime reserve days All but $670 a day $670 a day $0 Once lifetime reserve days are used:
Additional 365 days $0 100% of Medicare Eligible Expenses
$0**
Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE*
You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital
First 20 days All approved amounts
$0 $0
21st thru 100th day All but $167.50 a day
Up to $167.50 a day
$0
101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE You must meet Medicare’s requirements, including a doctor’s certification of terminal illness services
All but very limited copayment/ coinsurance for outpatient drugs and inpatient respite care
Medicare copayment/coinsurance
$0
**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 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.
CLIMS03988KS 02/2018 A 19
PLAN G MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
*Once you have been billed $183 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
MEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above Medicare-Approved amounts) $0 100% $0 BLOOD First 3 pints $0 All costs $0 Next $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
PARTS A & B
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOME HEALTH CARE – MEDICARE APPROVED SERVICES
Medically necessary skilled care services and medical supplies 100% $0 $0 Durable medical equipment First $183 of Medicare Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare Approved amounts 80% 20% $0
CLIMS03988KS 02/2018 A 20
PLAN G
OTHER BENEFITS – NOT COVERED BY MEDICARE
SERVICES
MEDICARE PAYS
PLAN PAYS
YOU PAY
FOREIGN TRAVEL – NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA
First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime
maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
CLIMS03988KS 02/2018 A 21
PLAN N MEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies
First 60 days All but $1340 $1340 (Part A Deductible)
$0
61st thru 90th day All but $335 a day $335 a day $0 91st day and after While using 60 lifetime reserve days All but $670 a day $670 a day $0 Once lifetime reserve days are used:
Additional 365 days $0 100% of Medicare Eligible Expenses
$0**
Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE*
You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital
First 20 days All approved amounts
$0 $0
21st thru 100th day All but $167.50 a day
Up to $167.50 a day
$0
101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE You must meet Medicare’s requirements, including a doctor’s certification of terminal illness services
All but very limited copayment/ coinsurance for outpatient drugs and inpatient respite care
Medicare co-payment/ coinsurance
$0
**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 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.
CLIMS03988KS 02/2018 A 22
PLAN N MEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
*Once you have been billed $183 of Medicare-Approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
MEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment
First $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts
Generally 80%
Balance, other than up to $20 per office visit and up to $50 per emergency room visit. The co-payment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.
Up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.
Part B Excess Charges (Above Medicare-Approved amounts) $0 0% All costs BLOOD First 3 pints $0 All costs $0 Next $183 of Medicare-Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare-Approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
CLIMS03988KS 02/2018 A 23
PLAN N
PARTS A & B
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
HOME HEALTH CARE – MEDICARE APPROVED SERVICES
Medically necessary skilled care services and medical supplies 100% $0 $0 Durable medical equipment First $183 of Medicare Approved amounts*
$0 $0 $183 (Part B Deductible)
Remainder of Medicare Approved amounts 80% 20% $0
OTHER BENEFITS – NOT COVERED BY MEDICARE
SERVICES MEDICARE PAYS
PLAN PAYS
YOU PAY
FOREIGN TRAVEL – NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA
First $250 each calendar year $0 $0 $250
Remainder of charges $0 80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum