Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO BOX 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/acFor Use in Pennsylvania15-138-8-PA (01/19)
Agents: When filling out applications, be sure to include your client’s email address. This will allow us to better service your clients’ policies.
Included in this packet: Application for Medicare Supplement Insurance Health Information Authorization Medicare Supplement Replacement Notice Bank Draft Authorization for Medicare Supplement Important Consumer Notices Guaranteed Issue Eligibility Disclosure Producer Statement Medicare Supplement Premium Worksheet Outline of Coverage Rate Guide Fax Transmittal
Additional forms that may be required: Choosing a MediGap Policy: A Guide to Health Insurance for People with Medicare – Must be left with
applicant at the point of sale for all states.
MedicareApplication Packet
Americo
Supplement
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac 15-138-11 (08/15)
Fax applications and New Business documents ONLY to: 855.864.8526
Important:
• Only applications paying the initial premium by bank draft are eligible to be faxed. • DO NOT collect premium with an application that is being faxed. • All applications submitted with this form must be written by the same agent. • Please use one transmittal per application unless submitting companions. Companions should be faxed in together. • Do not mail in applications/forms once you have faxed them, original copies should be maintained in case of fax transmission problems. • It is important to include phone/fax number below. • DO NOT submit Pre-Underwriting Issues through the fax number above (2nd applications, replacement forms, or other additional documents).
Forms Sequence:
1. Application (include Application Addendum, if applicable) 2. Producer Statement 3. Health Information Authorization 4. Replacement Notice (if applicable) 5. Other state-specific required forms (if applicable) 6. Guaranteed Issue documentation (if applicable) 7. Signed Bank Draft Authorization
PLEASE PRINT LEGIBLY
Agent Name Agent Code
Agent Phone Number Agent Fax Number Total No. of Pages Faxed (including this cover sheet):
Applicant Name Plan Applied For
Initial Premium Amount to be drafted or charged
(include policy fee)
All application questions should be directed to the Underwriting Department at 877.212.2346.
Medicare Supplement Application Transmittal Form 15-138-11 (08/15)
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac
APA5510 Page 1 of 5 For Use in Pennsylvania (10/18)
Americo Financial Life and Annuity Insurance Company
Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812
New Business Coverage Change Reinstatement
Part I – Personal Information
Title: Mr. Mrs. Miss Ms. Other______________
Last Name First Name MI Gender
Male Female
Street Address
City State ZIP
Birthdate (mm/dd/yyyy) Age Social Security Number Height
______ft. ______in.
Weight
_______________lbs.
Medicare ID Number Requested Start Date (if other than the Application Date)
____________________________ (mm/dd/yyyy)
Daytime Phone Evening Phone Mobile Phone
Email Address
Part II – Plan Selection
A B F F - High Deductible G N
Part III – Eligibility
State law allows a 6-month open enrollment period beginning with the first day of the first month in which you are both: (1) age 65
or older or (2) eligible for Medicare due to Disability and (3) enrolled in Medicare Part B. If you are a qualified open enrollee, you
may apply for and receive any Medicare Supplement Plan available from us.
1. Are you covered under Medicare Part A? ........................................................................................................................... Yes No
a. If Yes, what is your Part A start date? _______/_______/_______
b. If No, what is your eligibility date? _______/_______/_______ 2. Did you enroll in Medicare Part B in the last 6 months? ................................................................................................. Yes No
a. If Yes, what is your Part B start date? _______/_______/_______
b. If No, what is your eligibility date? _______/_______/_______ 3. Have you enrolled in Medicare Part B more than once? ................................................................................................ Yes No 4. Did you turn 65 in the last 6 months? ................................................................................................................................... Yes No 5. Are you are applying to have coverage effective under age 65 due to Disability? ................................................. Yes No
Application for
Medicare Supplement Insurance APA5510
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac
APA5510 Page 2 of 5 For Use in Pennsylvania (10/18)
APA5510
Part IV – Medicare & Insurance Information
If you lost or are losing other health insurance coverage and received a notice from your prior insurer saying you are eligible for guaranteed issue of a Medicare Supplement insurance policy or certificate, or that you had certain rights to buy such a policy or certificate, you may be guaranteed acceptance in one or more of our Medicare Supplement plans. Please include a copy of the notice from your prior insurer with this Application. Please mark Yes or No below with an “X”, to the best of your knowledge.
PLEASE ANSWER ALL QUESTIONS
1. Are you applying during a guaranteed issue period? (If Yes, please attach proof of eligibility.) ....................... Yes No
2. Are you covered for Medical Assistance through the state Medicaid program? ..................................................... Yes No NOTE TO APPLICANT: If you are participating in a “Spend Down Program” and have not met your
“Share of the Cost”, please answer No to this question.
a. Will Medicaid pay your premiums for this Medicare Supplement policy? ......................................................... Yes No
b. Do you receive any benefits from Medicaid, OTHER THAN payments toward your Part B premium? ........ Yes No
3. a. If you had coverage from any Medicare Plan other than Original Medicare within the past 63 days (for example, a Medicare Advantage plan, or a Medicare HMO or PPO), fill in your “Start” and “Paid-to” dates below.
If you are still covered under this plan, leave “End Date” blank.
Start Date _______/_______/_______ End Date_______/_______/_______ (mm/dd/yyyy)
b. If you are still covered under the Medicare plan, do you intend to replace your current coverage with this new Medicare Supplement policy? (If Yes, complete Replacement Notice.) .................................. Yes No
If so, with what company? _______________________________________________________________________________________
Policy Number: _________________________________________________________________________________________________
Telephone Number: _________________________ What plan do you have? ___________________________________________
(i) Was this your first time in this type of Medicare Plan? .................................................................................... Yes No
(ii) Did you drop a Medicare Supplement policy or certificate to enroll in the Medicare Plan? .................. Yes No
4. Do you have another Medicare Supplement policy or certificate in force? ............................................................... Yes No
a. If so, with what company? _______________________________________________________________________________________
Policy or Certificate Number: ____________________________________________________________________________________
Telephone Number: ______________________ What plan do you have? ______________________________________________
b. If so, do you intend to replace your current Medicare Supplement policy or certificate with this policy? (If Yes, complete Replacement Notice.) ................................................................................................ Yes No
5. Have you had coverage under any other health insurance within the past 63 days? (For example, an employer, union, or individual plan.) ............................................................................................................................... Yes No
a. If so, with what company? _______________________________________________________________________________________
(i) What kind of policy and plan number? _______________________________________________________________________
(ii) What are your dates of coverage under the policy?
Start Date _______/_______/_______ End Date_______/_______/_______ (mm/dd/yyyy)
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac
APA5510 Page 3 of 5 For Use in Pennsylvania (10/18)
APA5510
Part V – General Information
1. You do not need more than one Medicare Supplement policy or certificate.
2. If you purchase this policy, you may want to evaluate your existing health coverage and decide if you need multiple coverages.
3. You may be eligible for benefits under Medicaid and may not need a Medicare Supplement policy or certificate.
4. If, after purchasing this policy, you become eligible for Medicaid, the benefits and premiums under your Medicare Supplement policy can be suspended, if requested, during your entitlement to benefits under Medicaid for 24 months. You must request this suspension within 90 days of becoming eligible for Medicaid. Upon receipt of your request, we will return to you that portion of the premium attributable to the period of your Medicaid eligibility, subject to an adjustment for paid claims. If you are no longer entitled to Medicaid, your suspended Medicare Supplement policy or, if that is no longer available, a substantially equivalent policy will be reinstituted, effective as of the date of termination of Medicaid, if requested within 90 days of losing your Medicaid eligibility. If the Medicare Supplement policy provided coverage for outpatient prescription drugs and you enrolled in Medicare Part D while your policy was suspended, the reinstituted policy will not have outpatient prescription drug coverage, but will otherwise be substantially equivalent to your coverage before the date of suspension.
5. If you are eligible for, and have enrolled in a Medicare Supplement policy or certificate by reason of disability and you later become covered by an employer or union based group health plan, the benefits and premiums under your Medicare Supplement policy or certificate can be suspended, if requested, while you are covered under the employer or union based group health plan. If you suspend your Medicare Supplement policy or certificate under these circumstances, and later lose your employer or union based group health plan, your suspended Medicare Supplement policy or certificate or, if that is no longer available, a substantially equivalent policy or certificate, will be reinstituted if requested within 90 days of losing your employer or union based group health plan. If the Medicare Supplement policy or certificate provided coverage for outpatient prescription drugs and you enrolled in Medicare Part D while your policy or certificate was suspended, the reinstituted policy or certificate will not have outpatient prescription drug coverage, but will otherwise be substantially equivalent to your coverage before the date of suspension.
6. Counseling services may be available in your state to provide advice concerning your purchase of Medicare Supplement insurance and concerning medical assistance through the state Medicaid Program, including benefits as a Qualified Medicare Beneficiary (QMB) and a Specified Low Income Medicare Beneficiary (SLMB).
Part VI – Household Premium Discount Information
You may be eligible for a policy with a lower premium rate based on your answers to the question in this section.
1. Do you have a household resident that you have continuously resided with for the last 12 months with whom you are in a legal relationship? ........................................................................................................................ Yes No
Part VII – Premium Payment & Administration
Initial Premium:_______________________________ Premium Mode/Method: Monthly Bank Draft Annual Direct Bill
Part VIII – Medical Questions
Do not answer any health questions if you are in an open enrollment or guaranteed issue period. Please see Part III and Part IV for an explanation of open enrollment/guaranteed issue period information.
NOTICE TO APPLICANT: Please answer all of the following questions to the best of your knowledge and belief. Please verify the accuracy and completeness of the medical information on this application. Incomplete or false information on this application could jeopardize future claims. If you answer YES to any of the following questions 2-14, you are not eligible for coverage.
1. Within the past 12 months, have you used nicotine products in any form? .................................................... Yes No
2. Are you currently or within the past 6 months been: a. Hospitalized, bedridden, confined to a wheelchair, or require the use of a motorized mobility aid? ........ Yes No b. Residing in a nursing home or assisted living facility, or other professional care facility? ........................... Yes No c. Receiving home health care?......................................................................................................................................... Yes No d. Receiving assistance with Activities of Daily Living including eating, bathing, toileting, or dressing? ..... Yes No e. Diagnosed with a Terminal Illness? .............................................................................................................................. Yes No
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac
APA5510 Page 4 of 5 For Use in Pennsylvania (10/18)
APA5510
Part VIII – Medical Questions (continued)
3. Do you currently receive care or treatment that requires administration of medications or physical therapy in a medical facility or by a licensed member of the medical profession, including but not limited to: joint injections to alleviate pain, infusions or for pain to joints, spine or other areas of the body, biologics, infusions, or treatments for chronic illness that must be administered by a licensed practitioner (excluding b12 injections)? ...................................................................................................................................................... Yes No
4. Do you currently have an implanted cardiac defibrillator?.............................................................................................. Yes No
5. Have you ever been diagnosed with, advised, or treated by a member of the medical profession for: a. Pulmonary Hypertension (excluding common high blood pressure), Emphysema, chronic obstructive
pulmonary disease (COPD), or other chronic respiratory disorders (excluding seasonal asthma), or do you require the use of supplemental oxygen at any time of the day or night (excluding CPAP and BiPAP for sleep apnea)? .......................................................................................................................................... Yes No
b. Parkinson’s disease, systemic lupus, myasthenia gravis, muscular dystrophy, or amyotrophic lateral sclerosis (ALS), Multiple Sclerosis, osteoporosis with fractures, cirrhosis, or chronic hepatitis or liver failure? .................................................................................................................................................... Yes No
c. Alzheimer’s disease, senile dementia, or any other cognitive or memory disorder? ...................................... Yes No d. Chronic kidney disease, kidney failure, renal insufficiency, or kidney disease requiring dialysis? ............ Yes No
6. Have you ever been advised by a licensed member of the medical profession: a. that surgery, including cataract surgery, may be required within the next 12 months? ................................. Yes No b. to have surgery, medical tests, treatment, or therapy (including physical therapy) that has not
yet been performed, or are you currently receiving therapy or treatment or awaiting test results? ........... Yes No c. to have an organ transplant or have you ever had an organ transplant? .......................................................... Yes No
7. Have you ever been diagnosed with, advised, or treated by a licensed member of the medical profession for Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex (ARC) or Human Immunodeficiency Syndrome (HIV)? .................................................................................................................................... Yes No
8. Have you ever had an amputation Not caused by an injury or accident? ................................................................. Yes No
9. Have you ever been diagnosed with, received care or treatment for, or been advised by a licensed member of the medical profession to seek treatment for Diabetes in any form or been advised to take medication of any kind to reduce or control your blood sugar in addition to:
a. Requiring more than 50 units of insulin daily? ........................................................................................................... Yes No b. Ever being diagnosed by a licensed member of the medical profession with Coronary Artery Disease,
Neuropathy, amputation, peripheral artery disease, heart disorder or disease, Stroke, Transient Ischemic Attack (TIA), kidney disease or insufficiency, CHF, Vascular Disease, Heart Valve Disease,
Heart Rhythm Disturbances, or Retinopathy? ........................................................................................................... Yes No c. Ever being diagnosed by a licensed member of the medical profession with Hypertension (High Blood Pressure) which has required hospitalization; or has, within the past 12 months, required you to take more than three (3) medications for hypertension or been diagnosed as not well controlled by a licensed member of the medical profession? ....................................................................... Yes No
10. Within the past 2 years, have you been diagnosed with, advised, or treated by a licensed member of the medical profession for Cancer, metastasis, brain tumor, Lymphoma, Melanoma (including Merkel Cell, Melanoma, and Squamous Cell, but not including basal cell cancer of the skin), Alcoholism, Drug Abuse, or been advised by a licensed member of the medical profession to reduce alcohol intake? ............................. Yes No
11. In the past 2 years, have you been diagnosed with, advised, or treated by a licensed member of the medical profession for any mental or nervous disorder requiring hospitalization? ................................................. Yes No
12. Within the past 2 years, have you: a. been advised by a licensed member of the medical profession to have a joint replacement not
yet completed? .................................................................................................................................................................... Yes No b. had a joint replacement from which you are not completely recovered? ........................................................... Yes No c. been treated by a licensed member of the medical profession for rheumatoid arthritis or crippling or
disabling arthritis? ............................................................................................................................................................... Yes No
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac
APA5510 Page 5 of 5 For Use in Pennsylvania (10/18)
APA5510
Part VIII – Medical Questions (continued)
13. Within the past 2 years, have you been diagnosed with, advised, or treated by a licensed member of the medical profession for:
a. Heart attack? ........................................................................................................................................................................ Yes No b. Stroke or TIA (Transient Ischemic Attack or “Mini Stroke”)? ................................................................................. Yes No c. Bypass or Stent placement in any artery? .................................................................................................................. Yes No d. Initial installation of a Pacemaker? ................................................................................................................................ Yes No e. Initial diagnosis of Atrial Fibrillation or undergone Ablation procedure? ............................................................ Yes No f. Heart Valve Surgery for repair or replacement? ........................................................................................................ Yes No g. Pulmonary Embolism? ...................................................................................................................................................... Yes No h. Congestive Heart Failure, enlarged heart, or Cardiomyopathy? .......................................................................... Yes No
14. Within the past 2 years, have you received an initial diagnosis by a licensed member of the medical profession, or begun treatment for Coronary Artery Disease (CAD), Cerebrovascular Disease (CVD), or Peripheral Vascular Disease (PVD)? (Answer “No” if treatment began prior to the last 2 years and for which you remain on medication prescribed by a licensed member of the medical profession and/or you have been told by a licensed member of the medical profession that you maintain good control.) ................... Yes No
Part IX – Other Health Insurance Policies or Certificates
Listed below are all other health insurance policies or certificates I, the Producer, have (a) sold to the Applicant which are still in force; (b) sold to the Applicant in the last 5 years which are no longer in force.
Company Type of Policy Effective Date In Force
Yes No
Yes No
Yes No
Part X – Agreement & Acknowledgment
I wish to apply for Medicare supplement insurance coverage. I acknowledge that I have received or been given access to review: (a) an Outline of Coverage for the coverage applied for, and (b) a “Guide to Health Insurance for People with Medicare.”
I AUTHORIZE Americo to act on electronic and/or telephonic information from all parties specified in this application. This authorization may be revoked by sending written notice to Americo at its Medicare Supplement Administrative Office address. The absence of this authorization constitutes a rejection of this authorization.
I FULLY UNDERSTAND the questions contained in this Application. To the best of my knowledge and belief, the answers I provided are true and complete. I understand the Company may conduct a telephone interview with me regarding the answers. I understand and agree the coverage applied for will not take effect until issued by the Company, and that the agent is not authorized to extend, waive or change any terms, conditions or provisions of the coverage.
Caution: If your answers on this Application are incorrect or untrue, the Company has the right to deny benefits or rescind your coverage.
Fraud Warning: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
_________________________________________________________ Send policy to: Applicant Producer Signed at (City and State)
_________________________________________________________ _____________________________________ Applicant’s Signature Application Date
_________________________________________________________ _____________________________________ Producer’s Signature Producer Number
_________________________________________________________ Producer’s Phone
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac
ABB8555 (01/18)
Health Information
Authorization ABB8555 (01/18)
Americo Financial Life and Annuity Insurance Company
This Authorization complies with the HIPAA Privacy Rule
Information regarding your insurability will be treated as confidential. Americo Financial Life and Annuity Insurance Company (Americo), is a member of MIB, Inc. (MIB). Americo, or its reinsurers, may make a brief report to MIB, which operates an information exchange on behalf of its members. If you apply to another member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB may supply such company with the information in its file. Americo or its reinsurers may also release information to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. It is Americo’s practice to prohibit third parties who lawfully receive nonpublic health information from redisclosing or reusing the disclosed information. You may request to see the information kept in your MIB file. You may also contact MIB and seek correction of any errors in your file.
Your authorization permits any insurance or reinsurance company, health plan, licensed medical physician, health care professional, hospital, clinic, laboratory, pharmacy, pharmacy benefit manager, records custodians, other medical or medical related facility, other health care provider that has provided services, treatment or payment to you or on your behalf, within the past 10 years (“Your Providers”), or clearing house, consumer reporting agency, or MIB , to disclose your entire medical record and any other protected health information, concerning you to Americo Financial Life and Annuity Insurance Company (“Americo”) or its reinsurers employees and representatives. This includes information on the diagnosis or treatment of Human Immunodeficiency Virus (HIV) infection and sexually transmitted diseases. This includes information on the diagnosis and treatment of mental illness and the use of alcohol, drugs, and nicotine products, but excludes psychotherapy notes and excludes information related to genetic tests or genetic services (except to pay a claim related to such tests or services).
By your signature below, you acknowledge that any agreements you have made to restrict your protected health information does not apply to this Authorization and you instruct any physician, health care professional, hospital, clinic, medical facility, or other health care provider to release and disclose your entire medial record without restriction.
Your protected health information is to be disclosed under this Authorization so that Americo may: (1) underwrite your application for coverage, make eligibility, risk rating, policy issuance and enrollment determinations; (2) obtain reinsurance; (3) administer claims and determine or fulfill their responsibility for coverage and provision for benefits; (4) administer coverage; and (5) conduct other legally permissible activities that relate to any coverage you have applied for with Americo.
This Authorization shall remain in force for 24 months following the date of your signature below, and a copy of this Authorization is as valid as the original. This Authorization may be revoked by sending a written request for revocation to Americo at PO Box 410288, Kansas City, MO 64141-0288, Attention: Legal Department; however, a revocation is not effective to the extent that any of Your Providers has relied on this Authorization or to the extent that Americo has a legal right to contest a claim under an insurance policy or to contest the policy itself. Any information that is disclosed pursuant to this Authorization may be redisclosed and no longer covered by federal rules governing privacy and confidentiality of health information.
Your Providers may not refuse to provide treatment or payment for health care services if you refuse to sign this Authorization. If you refuse to sign this Authorization to release your complete medical record, Americo may not be able to process your application, or if coverage has been issued may not be able to make any benefit payments.
_______________________________________________________________ ___________________________________
Name of Applicant (please print) Applicant’s Date of Birth
_______________________________________________________________ ___________________________________
Signature of Applicant or Personal Representative Date
______________________________________________________________________________________________________________________
Description of Personal Representative’s Authority or Relationship to Applicant (if applicable)
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac AAA8550 Submit with Application (04/15)
Medicare Supplement
Replacement Notice AAA8550
Americo Financial Life and Annuity Insurance Company
SAVE THIS NOTICE! IT MAY BE IMPORTANT TO YOU IN THE FUTURE. According to your application, you intend to terminate existing Medicare supplement or Medicare Advantage insurance and replace it with the enclosed Medicare Supplement coverage issued by Americo Financial Life and Annuity Insurance Company. Your new policy will provide thirty (30) days within which you may decide, without cost, whether you desire to keep the policy. You should review this new coverage carefully. Compare it with all accident and sickness coverage you now have. If, after due consideration, you find that purchase of this Medicare supplement coverage is a wise decision, you should terminate your present Medicare supplement or Medicare Advantage coverage. You should evaluate the need for other accident and sickness coverage you have that may duplicate this policy. Statement to Applicant by Issuer - ______________________________________________________________________________________ Agent, Broker, or other Representative I have reviewed your current medical or health insurance coverage. To the best of my knowledge, this Medicare supplement policy will not duplicate your existing Medicare supplement or, if applicable, Medicare Advantage coverage because you intend to terminate your existing Medicare supplement coverage or leave your Medicare Advantage plan. The replacement policy is being purchased for the following reason(s) (check one):
Additional benefits.
No change in benefits, but lower premiums.
Fewer benefits and lower premiums. My plan has outpatient prescription drug coverage and I am enrolling in Part D.
Disenrollment from a Medicare Advantage plan. Please explain reason for disenrollment Other (please specify): _______________________________________________________________________________________________
1. Health conditions which you may presently have may not be immediately or fully covered under the new Medicare
Supplement coverage. This could result in denial or delay of a claim for benefits under the new policy, whereas a similar claim might have been payable under your present coverage.
2. State law provides that your replacement coverage may not contain new waiting periods, elimination periods or probationary periods. We will waive any time periods applicable to waiting periods, elimination periods or probationary periods in your new coverage for similar benefits to the extent such time was spent under your original coverage.
3. If you still wish to terminate your present policy and replace it with new coverage, be certain to truthfully and completely answer all questions on the application concerning your medical and health history, if any. Failure to include all material medical information on an application may provide a basis for the company to deny any future claims and to refund your premium as though your policy had never been in force. After the application has been completed and before you sign it, review it carefully to be certain that all information has been properly recorded.
Do not cancel your present policy until you have received your new policy and are sure you want to keep it.
_______________________________________________________________ ____________________________ Signature of Agent, Broker, or Other Representative Date
_______________________________________________________________ Applicant’s Signature
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac AAA8550 Leave with Applicant (04/15)
Medicare Supplement
Replacement Notice AAA8550
Americo Financial Life and Annuity Insurance Company
SAVE THIS NOTICE! IT MAY BE IMPORTANT TO YOU IN THE FUTURE. According to your application, you intend to terminate existing Medicare supplement or Medicare Advantage insurance and replace it with the enclosed Medicare Supplement coverage issued by Americo Financial Life and Annuity Insurance Company. Your new policy will provide thirty (30) days within which you may decide, without cost, whether you desire to keep the policy. You should review this new coverage carefully. Compare it with all accident and sickness coverage you now have. If, after due consideration, you find that purchase of this Medicare supplement coverage is a wise decision, you should terminate your present Medicare supplement or Medicare Advantage coverage. You should evaluate the need for other accident and sickness coverage you have that may duplicate this policy. Statement to Applicant by Issuer - ______________________________________________________________________________________ Agent, Broker, or other Representative I have reviewed your current medical or health insurance coverage. To the best of my knowledge, this Medicare supplement policy will not duplicate your existing Medicare supplement or, if applicable, Medicare Advantage coverage because you intend to terminate your existing Medicare supplement coverage or leave your Medicare Advantage plan. The replacement policy is being purchased for the following reason(s) (check one):
Additional benefits.
No change in benefits, but lower premiums.
Fewer benefits and lower premiums. My plan has outpatient prescription drug coverage and I am enrolling in Part D.
Disenrollment from a Medicare Advantage plan. Please explain reason for disenrollment Other (please specify): _______________________________________________________________________________________________
4. Health conditions which you may presently have may not be immediately or fully covered under the new Medicare
Supplement coverage. This could result in denial or delay of a claim for benefits under the new policy, whereas a similar claim might have been payable under your present coverage.
5. State law provides that your replacement coverage may not contain new waiting periods, elimination periods or probationary periods. We will waive any time periods applicable to waiting periods, elimination periods or probationary periods in your new coverage for similar benefits to the extent such time was spent under your original coverage.
6. If you still wish to terminate your present policy and replace it with new coverage, be certain to truthfully and completely answer all questions on the application concerning your medical and health history, if any. Failure to include all material medical information on an application may provide a basis for the company to deny any future claims and to refund your premium as though your policy had never been in force. After the application has been completed and before you sign it, review it carefully to be certain that all information has been properly recorded.
Do not cancel your present policy until you have received your new policy and are sure you want to keep it.
_______________________________________________________________ ____________________________ Signature of Agent, Broker, or Other Representative Date
_______________________________________________________________ Applicant’s Signature
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac 15-138-10 (03/16)
Americo Financial Life and Annuity Insurance Company
Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812
Policy Number (if known): Insured: Please indicate below when you would like your account drafted. Many of our customers have requested the option to pay their premiums on the same day they receive Social Security or SSI payments. The options below allow you to select the date that best fits your needs. You may select any option regardless of whether or not you receive Social Security or SSI payments.
Part I – Select one of the following date options
Initial Premium Payment (choose one)
Same as subsequent payment date selected below, on or after the requested Effective Date On the Policy Issue Date Paid by enclosed check
Subsequent Premium Payments (choose one)
1st day of the Month 2nd Wednesday of the Month 3rd day of the Month 3rd Wednesday of the Month
4th Wednesday of the Month
Note: If one of the dates above falls on a weekend or holiday, deduction will be on prior business day.
Other, please specify a day of the month from 1 to 28 ___________ (Note: if this date falls on a weekend or holiday, deduction will be on next business day that falls between the 1st and 28th)
Part II – Select one of the following payment options
Checking Savings Branch/Bank Name: ____________________________________________________________
Routing Number
Account Number
Check here if this is a business account To ensure accuracy, please include a voided check or deposit slip.
Part III – Complete name and address as shown on account
Accountholder Name: __________________________________________________________________________________
Address (include City, State, and ZIP): ____________________________________________________________________
Part IV – Sign and Date
As a convenience to me, I hereby request and authorize the banking institution below (the “Bank”) to pay and charge to my account drafts on my account by and payable to the order of the company who issued or assumed the policy listed below (the “Company”) administering my insurance policy provided there are sufficient collected funds in said account to pay the same upon presentation. I agree that the Bank’s rights in respect to such draft shall be the same as if it were a check drawn on the bank and signed personally by me. This authorization will remain in effect until revoked by me or the Company. Notifications should be sent to PO BOX 10812, Clearwater, FL 33757-8812. The toll-free number is 877.212.2346 and the customer service fax number is 816.701.2534. I agree that the Bank shall be fully protected in honoring any such draft. I further agree that if any such draft be dishonored, whether with or without cause and whether intentionally or inadvertently, the Bank shall be under no liability whatsoever. Should any draft not be honored by the Bank upon presentation, I understand that this method of payment may be terminated. I understand that Americo requires a 5 business day advance notice to set up, change, or discontinue my bank draft information. I also understand that my insurance policy may lapse if said draft is returned unpaid by my Bank, or if I discontinue payments, prior to receiving confirmation of draft processing from the Company. Please keep a copy of this authorization with your banking records.
____________________________________________________ ______________________ Signature Date
Bank Draft Authorization for
Medicare Supplement 15-138-10 (03/16)
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac
AAA8394-MS (01/17) Leave with Applicant
Americo Financial Life and Annuity Insurance Company
Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812
INFORMATION PRACTICES NOTICE THIS NOTIFICATION MUST BE DELIVERED TO THE PROPOSED INSURED WHEN THE APPLICATION IS COMPLETED.
Thank you for your application. This notice is given to you at the time you apply for insurance to tell you about the kinds of information we may obtain in connection with your application. We rely primarily on information provided by you. We may also collect information from others, such as medical professionals who have treated you, hospitals, other insurance companies, and consumer reporting agencies. In certain limited situations, we are allowed by law to disclose necessary items of personal information to third parties without your specific authorization. You have a right of access and correction with respect to this information. You have the right to receive, in writing, the specific reason for an adverse underwriting decision. If you wish a more detailed explanation of our information practices, please write us at: Americo Financial Life and Annuity Insurance Company, PO BOX 410288, Kansas City, MO 64141-0288, Attention: Underwriting/New Business Department. Any requests to correct, amend or alter will be responded to within 30 days. Within a seven year timeframe, information that is corrected will be provided to any person who is designated by the requesting party and who may have received the information in the prior two years. Any statement of disagreement made by a requesting party will be filed and made available to those reviewing it in the future.
MIB, INC. PRE-NOTICE Information regarding your insurability will be treated as confidential. However, Americo Financial Life and Annuity Insurance Company or its reinsurers may make a brief report to the MIB, Inc. formerly known as Medical Information Bureau, a nonprofit membership organization of life insurance companies operating as an information exchange for its members. If you apply to another MIB member company for life or health insurance or a claim is submitted to such a company, upon request the MIB will supply the company with the information it has in its file. Upon receipt of a request from you, the MIB, Inc., will arrange disclosure of any information it has in your file. Please contact MIB at 866.692.6901 (TTY 866.346.3642). If you question the accuracy of information in the file, you may contact the MIB and seek a correction in accordance with the procedures in the Fair Credit Reporting Act. The MIB’s information office address is 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734. The Company or its reinsurers may release information in its file to its reinsurers and to other life and health insurance companies to whom you apply for insurance or to whom a claim is submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.
Important
Consumer Notices AAA8394-MS (01/17)
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac APA8564 Leave with Applicant For Use in Pennsylvania
Disclosure Guaranteed Issue Eligibility APA8564
Americo Financial Life and Annuity Insurance Company
The following are definitions of the categories of individuals who are eligible for Guaranteed Issue under the Balanced Budget Act of 1997:
Enrolled under an employee welfare benefit plan that provides health benefits that supplement the benefits under Medicare; and
the plan terminates, or the plan ceases to provide all such supplemental health benefits to the individual, or the individual is enrolled under an employee welfare benefit plan that is primary to Medicare and the plan terminates, or the plan ceases to provide health benefits to the individual because the individual leaves the plan (eligible for Plans A, B, or F); or
Enrolled in a Medicare Advantage plan or Program of All-Inclusive Care for the Elderly (PACE) and the organization’s certification or plan is terminated or specific circumstances permit discontinuance including, but not limited to, a change in residence of the individual, the plan is terminated within a residence area, the organization substantially violated a material policy provision, including the failure to provide an enrollee on a timely basis medically necessary care for which benefits are available under the plan or the failure to provide the covered care in accordance with applicable quality standards; or a material misrepresentation was made to the individual, or the person meets any other exceptional conditions as the secretary may provide (eligible for Plans A, B, or F); or
Enrolled in a Medicare risk contract, health care prepayment plan, cost contract or Medicare Select plan, or similar organization, and the organization’s certification or plan is terminated or specific circumstances permit discontinuance including, but not limited to, a change in residence of the individual, the plan is terminated within a residence area, the organization substantially violated a material policy provision, or a material misrepresentation was made to the individual (eligible for Plans A, B, or F); or
Enrolled in a Medicare Supplement policy and coverage discontinues due to insolvency, substantial violation of a material policy provision, or material misrepresentation (eligible for Plans A, B, or F); or
Enrolled under a Medicare Supplement policy, terminates and enrolls for the first time in a Medicare Advantage, a risk or cost contract, or a Medicare Select plan, a PACE provider, and then terminates coverage within 12 months of enrollment (eligible for the same Plan you terminated with us, or, if that Plan is no longer available, Plans A, B, or F); or Upon first becoming eligible for benefits under Part A at age 65, enrolls in a Medicare Advantage or PACE provider and then disenrolls within 12 months (eligible for all plans available from us); or
Enrolled in a Medicare Part D Plan during the initial Part D enrollment period while enrolled under a Medicare Supplement policy that covers outpatient prescription drugs and terminate the Medicare Supplement policy (eligible for Plans A, B, or F).
Documentation of these events must be submitted with the Application.
You must apply within 63 days of the date of termination of previous coverage in order to qualify as an eligible person.
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac AAA5510-AS
Producer
Statement AAA5510-AS
Americo Financial Life and Annuity Insurance Company
Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812
All questions must be completed
1. Did you meet with the Applicant in person? ....................................................................................................................... Yes No
2. Did you complete this Application over the phone? ......................................................................................................... Yes No
3. State the name and relationship of any other person present when this Application was taken:
Name:________________________________________________ Relationship to Applicant:___________________________________
4. Did you review the Application for correctness and any omissions? .......................................................................... Yes No
5. Did the Applicant review the Application for correctness and any omissions? ........................................................ Yes No
6. Are you related to the Proposed Insured? .......................................................................................................................... Yes No
If Yes, provide relationship:____________________________________________________ Replacement Information
7. Does the applicant have any existing Medicare Supplement coverage? .................................................................. Yes No (If Yes, complete the replacement notice and submit with the application. Application and replacement notice must be dated the same day.)
I hereby certify that I have personally asked each question on this application to the applicant, that I have truly and accurately recorded on the application the information supplied by him/her, and that I have no reason to believe that the information provided is inaccurate or incomplete.
Print Producer’s Name Producer’s Signature Americo
Agent Number
% Commission
Split
X
X
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac 15-138-9 For Agent Use Only (10/15)
Medicare Supplement Premium Worksheet 15-138-9
Americo Financial Life and Annuity Insurance Company
Before you begin, please go to the height and weight chart on the reverse side of this page to determine eligibility for coverage, unless the applicant is in an open enrollment or guaranteed issue period.
Applicant 1 Applicant 2
Premium Calculation ExampleInformation shown below
is for calculation purposes only.
1. Medicare Supplement Insurance Plan Plan F
2. Applicant’s Age at Effective Date of Coverage 67
3. Applicant’s ZIP Code 30301
4. Premium Write in the Medicare Supplement plan’s premium from the Outline of Coverage provided, based on age and ZIP Code.
$183.83
5. Household Premium Discount
The applicant is eligible for a Household Premium Discount if, in the past year: a) The applicant resided with at least one, but no more than three, other adults who are age 60 and older; or b) The applicant lived with another adult who is their legal spouse. If yes, multiply the amount from Step 4 by .9. If no, enter the amount from Step 4.
$183.83 X .9 = $165.45
In this example, the applicant qualifies for the household
premium discount.
6. Rate Adjustment If the applicant is in open enrollment or guaranteed issue period, skip to Step 7.
Locate height and weight on the next page.
If weight is in the Standard column, enter the amount from Step 5.
If weight is in the Class I column, multiply the amount from Step 5 by: 1.15.
$165.45 X 1.15 = $190.27
In this example, the applicant’s weight is in the Class I column.
7. Payment Options The monthly payment is the last premium entered (Step 5 or 6).
To determine annual premium, multiply by 12.
$190.27 monthly payment
$2,283.24 annual payment
Home Office: Dallas, Texas • Medicare Supplement Administrative Office: PO Box 10812, Clearwater, FL 33757-8812 • https://service.iasadmin.com/ac 15-138-9 For Agent Use Only (10/15)
Medicare Supplement Premium Worksheet 15-138-9
Americo Financial Life and Annuity Insurance Company
Eligibility: Find the applicant’s height in the left-hand column and look across the row to find the applicant’s weight. If the weight is in the Decline column, the applicant is not eligible for coverage at this time.
Rate Adjustment: The column heading above the applicant’s weight will indicate your appropriate rate adjustment, if any (risk class).
Decline Class I Standard Class I Decline
Height Weight Weight Weight Weight Weight
4' 6'' < 63 63 – 70 71 – 128 129 – 170 171 +
4' 7'' < 65 65 – 73 74 – 133 134 – 176 177 +
4' 8'' < 67 67 – 75 76 – 138 139 – 182 183 +
4' 9'' < 70 70 – 78 79 – 143 144 – 189 190 +
4' 10'' < 72 72 – 81 82 – 148 149 – 196 197 +
4' 11'' < 75 75 – 84 85 – 153 154 – 202 203 +
5' 0'' < 77 77 – 87 88 – 158 159 – 209 210 +
5' 1'' < 80 80 – 89 90 – 164 165 – 216 217 +
5' 2'' < 83 83 – 92 93 – 169 170 – 224 225 +
5' 3'' < 85 85 – 95 96 – 175 176 – 231 232 +
5' 4'' < 88 88 – 99 100 – 180 181 – 238 239 +
5' 5'' < 91 91 – 102 103 – 186 187 – 246 247 +
5' 6'' < 93 93 – 105 106 – 192 193 – 254 255 +
5' 7'' < 96 96 – 108 109 – 197 198 – 261 262 +
5' 8'' < 99 99 – 111 112 – 203 204 – 269 270 +
5' 9'' < 102 102 – 115 116 – 209 210 – 277 278 +
5' 10'' < 105 105 – 118 119 – 216 217 – 285 286 +
5' 11'' < 108 108 – 121 122 – 222 223 – 293 294 +
6' 0'' < 111 111 – 125 126 – 228 229 – 302 303 +
6' 1'' < 114 114 – 128 129 – 234 235 – 310 311 +
6' 2'' < 117 117 – 132 133 – 241 242 – 319 320 +
6' 3'' < 121 121 – 136 137 – 248 249 – 328 329 +
6' 4'' < 124 124 – 139 140 – 254 255 – 336 337 +
6' 5'' < 127 127 – 143 144 – 261 262 – 345 346 +
6' 6'' < 130 130 – 147 148 – 268 269 – 354 355 +
6' 7'' < 134 134 – 150 151 – 275 276 – 363 364 +
6' 8'' < 137 137 – 154 155 – 282 283 – 373 374 +
6' 9'' < 140 140 – 158 159 – 289 290 – 382 383 +
6' 10'' < 144 144 – 162 163 – 296 297 – 392 393 +
6' 11'' < 147 147 – 166 167 – 303 304 – 401 402 +
7' 0'' < 151 151 – 170 171 – 311 312 – 411 412 +
7' 1'' < 155 155 – 174 175 – 318 319 – 421 422 +
7' 2'' < 158 158 – 178 179 – 326 327 – 431 432 +
7' 3'' < 162 162 – 183 184 – 333 334 – 441 442 +
7' 4'' < 166 166 – 187 188 – 341 342 – 451 452 +
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
This
char
t sho
ws th
e ben
efits
includ
ed in
each
of th
e stan
dard
Med
icare
Sup
pleme
nt pla
ns. E
very
insur
er m
ust m
ake a
vaila
ble P
lans “
A”, “
B” an
d “C”
, or “
F”. S
ome p
lans
may n
ot be
avail
able
in yo
ur st
ate. S
ee O
utline
of C
over
age s
ectio
ns fo
r deta
ils ab
out A
LL pl
ans.
“Bas
ic Be
nefit
s” ar
e: •
Hosp
italiz
atio
n – P
art A
coins
uran
ce pl
us co
vera
ge fo
r 365
addit
ional
days
after
Med
icare
Ben
efits
end.
• Me
dica
l Exp
ense
s – P
art B
coins
uran
ce (g
ener
ally 2
0% of
Med
icare
appr
oved
amou
nts) o
r cop
ayme
nts fo
r hos
pital
outpa
tient
servi
ces.
Plan
s K, L
, and
N re
quire
ins
ured
s to p
ay a
portio
n of P
art B
coins
uran
ce or
copa
ymen
ts.
• Bl
ood
– Firs
t thre
e pint
s of b
lood e
ach y
ear.
• Ho
spice
– Pa
rt A
coins
uran
ce
• On
ly Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
are o
ffere
d by
Am
erico
Fin
ancia
l Life
and
Annu
ity In
sura
nce C
ompa
ny.
A B
C D
F / F
* G
K L
M N
Basic
inc
luding
10
0% P
art B
Co
insur
ance
Basic
inclu
ding
100%
Par
t B
Coins
uran
ce
Basic
inclu
ding
100%
Par
t B
Coins
uran
ce
Basic
inclu
ding
100%
Par
t B
Coins
uran
ce
Basic
inclu
ding
100%
Par
t B
Coins
uran
ce
Basic
inclu
ding
100%
Par
t B
Coins
uran
ce
Hosp
italiz
ation
an
d pre
venta
tive
care
paid
at 10
0%; o
ther
Basic
Ben
efits
pa
id at
50%
Hosp
italiz
ation
an
d pre
venta
tive
care
paid
at 10
0%; o
ther
Basic
Ben
efits
pa
id at
75%
Basic
inclu
ding
100%
Par
t B
Coins
uran
ce
Basic
inclu
ding 1
00%
Pa
rt B
Coins
uran
ce,
exce
pt up
to $2
0 co
paym
ent fo
r offic
e vis
it, an
d up t
o $50
co
paym
ent fo
r Em
erge
ncy R
oom
that d
on’t r
esult
in
inpati
ent a
dmiss
ion.
Skille
d Nu
rsing
Fa
cility
Co
insur
ance
Skille
d Nu
rsing
Fa
cility
Co
insur
ance
Skille
d Nu
rsing
Fa
cility
Co
insur
ance
Skille
d Nu
rsing
Fa
cility
Co
insur
ance
50%
Skil
led
Nursi
ng F
acilit
y Co
insur
ance
75%
Skil
led
Nursi
ng F
acilit
y Co
insur
ance
Skille
d Nu
rsing
Fa
cility
Co
insur
ance
Skille
d Nu
rsing
Fa
cility
Coin
sura
nce
Pa
rt A
Dedu
ctible
Pa
rt A
Dedu
ctible
Pa
rt A
Dedu
ctible
Pa
rt A
Dedu
ctible
Pa
rt A
Dedu
ctible
50
% P
art A
De
ducti
ble
75%
Par
t A
Dedu
ctible
50
% P
art A
De
ducti
ble
Part
A De
ducti
ble
Part
B De
ducti
ble
Pa
rt B
Dedu
ctible
Part
B Ex
cess
10
0%
Part
B Ex
cess
10
0%
Fore
ign T
rave
l Em
erge
ncy
Fore
ign T
rave
l Em
erge
ncy
Fore
ign T
rave
l Em
erge
ncy
Fore
ign T
rave
l Em
erge
ncy
Fore
ign T
rave
l Em
erge
ncy
Fore
ign T
rave
l Em
erge
ncy
Out-o
f-Poc
ket
limit $
5,560
; paid
at
100%
after
limit
reac
hed.
Out-o
f-Poc
ket
limit $
2,780
; pa
id at
100%
aft
er lim
it re
ache
d.
*Plan
F al
so ha
s an o
ption
calle
d a H
igh D
educ
tible
Plan
F. T
his hi
gh de
ducti
ble pl
an pa
ys th
e sam
e ben
efits
as P
lan F
after
one h
as pa
id a c
alend
ar ye
ar’s
$2,30
0 de
ducti
ble. B
enefi
ts fro
m Hi
gh D
educ
tible
Plan
F w
ill no
t beg
in un
til ou
t-of-p
ocke
t exp
ense
s exc
eed $
2,300
. Out-
of-po
cket
expe
nses
for t
his de
ducti
ble ar
e exp
ense
s tha
t wo
uld ha
ve or
dinar
ily be
en pa
id by
the P
olicy
. The
se ex
pens
es in
clude
the M
edica
re de
ducti
bles f
or P
art A
and P
art B
, but
do no
t inclu
de th
e plan
s sep
arate
For
eign
Trav
el Em
erge
ncy d
educ
tible.
1 of 2
2
Att
ain
ed
Ag
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
e0-
6412
0.29
138.
3312
0.69
138.
8014
7.65
169.
8045
.42
52.2
412
0.94
139.
0899
.42
114.
3365
120.
2913
8.33
120.
6913
8.80
147.
6516
9.80
45.4
252
.24
120.
9413
9.08
99.4
211
4.33
6612
0.29
138.
3312
0.69
138.
8014
7.65
169.
8045
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52.2
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0.94
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114.
3367
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8.80
147.
6516
9.80
45.4
252
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9413
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99.4
211
4.33
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5.41
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2212
5.92
144.
8115
3.52
176.
5545
.42
52.2
412
6.30
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2510
3.75
119.
3169
130.
4415
0.01
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1115
0.77
159.
5318
3.46
46.8
953
.92
131.
8015
1.57
108.
0812
4.29
7013
5.31
155.
6113
5.87
156.
2516
5.13
189.
8949
.19
56.5
713
6.91
157.
4511
2.16
128.
9971
139.
3616
0.26
140.
3116
1.35
170.
5319
6.11
50.9
358
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141.
8516
3.13
116.
2713
3.71
7214
3.40
164.
9114
4.75
166.
4617
5.94
202.
3352
.68
60.5
814
6.79
168.
8112
0.37
138.
4373
147.
4516
9.57
149.
1817
1.56
181.
3420
8.54
54.5
962
.78
151.
7317
4.49
124.
4714
3.14
7415
1.50
174.
2215
3.62
176.
6718
6.74
214.
7656
.51
64.9
915
6.67
180.
1712
8.58
147.
8675
155.
6217
8.97
158.
1418
1.86
192.
2422
1.08
58.7
367
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161.
6818
5.94
132.
7515
2.66
7615
8.46
182.
2316
1.64
185.
8919
7.06
226.
6260
.54
69.6
316
6.02
190.
9213
6.54
157.
0177
161.
3318
5.53
165.
1818
9.95
201.
9323
2.21
62.3
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170.
3919
5.95
140.
3616
1.41
7816
4.30
188.
9416
8.83
194.
1520
6.94
237.
9764
.24
73.8
817
4.89
201.
1314
4.29
165.
9379
167.
3019
2.39
172.
5119
8.39
211.
9924
3.79
66.1
376
.05
179.
4420
6.35
148.
2617
0.50
8017
0.41
195.
9717
6.32
202.
7721
7.21
249.
7968
.05
78.2
618
4.12
211.
7315
2.34
175.
1981
172.
9019
8.83
179.
5520
6.49
222.
4125
5.78
70.0
080
.51
188.
7921
7.10
156.
6318
0.12
8217
5.50
201.
8318
2.91
210.
3522
7.79
261.
9671
.99
82.7
919
3.60
222.
6416
1.04
185.
2083
178.
1420
4.86
186.
3121
4.25
233.
2226
8.20
74.0
085
.10
198.
4822
8.25
165.
5019
0.33
8418
0.79
207.
9118
9.74
218.
2023
8.72
274.
5276
.04
87.4
420
3.40
233.
9117
0.02
195.
5285
183.
4821
1.00
193.
2122
2.19
244.
2728
0.92
78.0
389
.73
208.
3923
9.64
174.
5820
0.77
8618
5.90
213.
7919
6.17
225.
5924
9.39
286.
8079
.72
91.6
821
2.93
244.
8717
8.74
205.
5587
188.
3521
6.61
199.
1722
9.05
254.
5829
2.77
81.4
393
.64
217.
5425
0.17
182.
9621
0.40
8819
0.83
219.
4620
2.21
232.
5425
9.84
298.
8283
.16
95.6
322
2.21
255.
5418
7.24
215.
3389
193.
2522
2.24
205.
1923
5.96
265.
0530
4.81
84.9
197
.65
226.
8426
0.86
191.
4922
0.21
9019
5.59
224.
9320
8.10
239.
3127
0.19
310.
7286
.68
99.6
823
1.41
266.
1219
5.70
225.
0591
197.
0622
6.62
210.
0324
1.54
274.
3531
5.50
88.2
910
1.54
235.
1127
0.38
199.
2122
9.09
9219
8.53
228.
3221
1.98
243.
7827
8.56
320.
3489
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103.
4223
8.85
274.
6820
2.76
233.
1793
199.
8222
9.80
213.
7424
5.80
282.
5232
4.90
91.5
810
5.31
242.
3927
8.75
206.
1423
7.06
9420
1.12
231.
2921
5.51
247.
8328
6.52
329.
5093
.25
107.
2324
5.96
282.
8620
9.55
240.
9895
202.
4223
2.79
217.
2924
9.88
290.
5633
4.14
94.9
410
9.18
249.
5628
7.00
212.
9924
4.94
9620
4.45
235.
1121
9.46
252.
3829
3.47
337.
4895
.60
109.
9425
2.06
289.
8721
5.12
247.
3997
206.
4923
7.47
221.
6625
4.91
296.
4034
0.86
96.2
711
0.71
254.
5829
2.77
217.
2724
9.86
9820
8.56
239.
8422
3.87
257.
4529
9.36
344.
2796
.94
111.
4825
7.13
295.
6921
9.44
252.
3699
210.
6424
2.24
226.
1126
0.03
302.
3634
7.71
97.6
211
2.26
259.
7029
8.65
221.
6325
4.88
For
Ann
ual P
rem
ium
mod
e, m
ultip
ly m
onth
ly r
ates
by
12.
For
Cla
ss 1
rat
es m
ultip
ly b
y 1.
15.
No
n-T
ob
acco
Rat
es
Mo
nth
ly R
ates
by
Pla
n -
Pen
nsy
lvan
ia
Pla
n A
Pla
n F
Pla
n G
Pla
n N
Pla
n B
Pla
n F
Hig
h D
edu
ctib
le
Zip
Co
des
: A
ll Z
ip C
od
es t
hat
sta
rt w
ith
150
-154
, 156
AP
A50
0-O
C R
AT
ES
Ho
use
ho
ld P
rem
ium
Dis
cou
nt
of
10%
may
ap
ply
. S
ee H
ou
seh
old
Dis
cou
nt
Pre
miu
m d
escr
ipti
on
.E
ffect
ive:
10/
01/2
018
2 of 2
2
Att
ain
ed
Ag
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
e0-
6413
8.33
159.
0813
8.80
159.
6216
9.80
195.
2752
.24
60.0
713
9.08
159.
9411
4.33
131.
4865
138.
3315
9.08
138.
8015
9.62
169.
8019
5.27
52.2
460
.07
139.
0815
9.94
114.
3313
1.48
6613
8.33
159.
0813
8.80
159.
6216
9.80
195.
2752
.24
60.0
713
9.08
159.
9411
4.33
131.
4867
138.
3315
9.08
138.
8015
9.62
169.
8019
5.27
52.2
460
.07
139.
0815
9.94
114.
3313
1.48
6814
4.22
165.
8514
4.81
166.
5317
6.55
203.
0352
.24
60.0
714
5.25
167.
0411
9.31
137.
2069
150.
0117
2.51
150.
7717
3.39
183.
4621
0.98
53.9
262
.01
151.
5717
4.30
124.
2914
2.93
7015
5.61
178.
9515
6.25
179.
6818
9.89
218.
3856
.57
65.0
515
7.45
181.
0612
8.99
148.
3471
160.
2618
4.30
161.
3518
5.55
196.
1122
5.53
58.5
767
.36
163.
1318
7.59
133.
7115
3.76
7216
4.91
189.
6516
6.46
191.
4320
2.33
232.
6760
.58
69.6
716
8.81
194.
1313
8.43
159.
1973
169.
5719
5.00
171.
5619
7.30
208.
5423
9.82
62.7
872
.19
174.
4920
0.66
143.
1416
4.62
7417
4.22
200.
3617
6.67
203.
1721
4.76
246.
9764
.99
74.7
318
0.17
207.
1914
7.86
170.
0475
178.
9720
5.81
181.
8620
9.14
221.
0825
4.24
67.5
477
.67
185.
9421
3.83
152.
6617
5.56
7618
2.23
209.
5718
5.89
213.
7722
6.62
260.
6269
.63
80.0
719
0.92
219.
5615
7.01
180.
5777
185.
5321
3.36
189.
9521
8.45
232.
2126
7.05
71.7
482
.50
195.
9522
5.34
161.
4118
5.62
7818
8.94
217.
2819
4.15
223.
2723
7.97
273.
6773
.88
84.9
620
1.13
231.
2916
5.93
190.
8279
192.
3922
1.25
198.
3922
8.15
243.
7928
0.36
76.0
587
.46
206.
3523
7.30
170.
5019
6.07
8019
5.97
225.
3620
2.77
233.
1824
9.79
287.
2678
.26
89.9
921
1.73
243.
4917
5.19
201.
4781
198.
8322
8.66
206.
4923
7.46
255.
7829
4.14
80.5
192
.58
217.
1024
9.67
180.
1220
7.14
8220
1.83
232.
1121
0.35
241.
9026
1.96
301.
2582
.79
95.2
122
2.64
256.
0418
5.20
212.
9883
204.
8623
5.58
214.
2524
6.39
268.
2030
8.43
85.1
097
.87
228.
2526
2.48
190.
3321
8.88
8420
7.91
239.
1021
8.20
250.
9327
4.52
315.
7087
.44
100.
5623
3.91
269.
0019
5.52
224.
8585
211.
0024
2.65
222.
1925
5.52
280.
9232
3.05
89.7
310
3.19
239.
6427
5.59
200.
7723
0.88
8621
3.79
245.
8622
5.59
259.
4328
6.80
329.
8291
.68
105.
4324
4.87
281.
6020
5.55
236.
3887
216.
6124
9.10
229.
0526
3.40
292.
7733
6.68
93.6
410
7.69
250.
1728
7.69
210.
4024
1.96
8821
9.46
252.
3823
2.54
267.
4229
8.82
343.
6495
.63
109.
9825
5.54
293.
8721
5.33
247.
6389
222.
2425
5.57
235.
9627
1.36
304.
8135
0.53
97.6
511
2.29
260.
8629
9.99
220.
2125
3.24
9022
4.93
258.
6723
9.31
275.
2131
0.72
357.
3399
.68
114.
6326
6.12
306.
0422
5.05
258.
8191
226.
6226
0.61
241.
5427
7.77
315.
5036
2.83
101.
5411
6.77
270.
3831
0.94
229.
0926
3.45
9222
8.32
262.
5624
3.78
280.
3532
0.34
368.
3910
3.42
118.
9327
4.68
315.
8923
3.17
268.
1493
229.
8026
4.27
245.
8028
2.67
324.
9037
3.64
105.
3112
1.11
278.
7532
0.56
237.
0627
2.61
9423
1.29
265.
9824
7.83
285.
0132
9.50
378.
9310
7.23
123.
3228
2.86
325.
2924
0.98
277.
1295
232.
7926
7.70
249.
8828
7.37
334.
1438
4.27
109.
1812
5.55
287.
0033
0.05
244.
9428
1.68
9623
5.11
270.
3825
2.38
290.
2433
7.48
388.
1110
9.94
126.
4328
9.87
333.
3524
7.39
284.
4997
237.
4727
3.08
254.
9129
3.14
340.
8639
1.99
110.
7112
7.32
292.
7733
6.68
249.
8628
7.34
9823
9.84
275.
8125
7.45
296.
0734
4.27
395.
9111
1.48
128.
2129
5.69
340.
0525
2.36
290.
2199
242.
2427
8.57
260.
0329
9.03
347.
7139
9.87
112.
2612
9.10
298.
6534
3.45
254.
8829
3.11
For
Ann
ual P
rem
ium
mod
e, m
ultip
ly m
onth
ly r
ates
by
12.
For
Cla
ss 1
rat
es m
ultip
ly b
y 1.
15.
Pla
n F
Pla
n G
Pla
n N
Mo
nth
ly R
ates
by
Pla
n -
Pen
nsy
lvan
ia
To
bac
co R
ates
Zip
Co
des
: A
ll Z
ip C
od
es t
hat
sta
rt w
ith
150
-154
, 156
Pla
n A
Pla
n B
Pla
n F
Hig
h D
edu
ctib
le
AP
A50
0-O
C R
AT
ES
Ho
use
ho
ld P
rem
ium
Dis
cou
nt
of
10%
may
ap
ply
. S
ee H
ou
seh
old
Dis
cou
nt
Pre
miu
m d
escr
ipti
on
.E
ffect
ive:
10/
01/2
018
3 of 2
2
Att
ain
ed
Ag
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
e0-
6410
4.84
120.
5610
5.19
120.
9712
8.69
147.
9939
.59
45.5
310
5.41
121.
2286
.65
99.6
565
104.
8412
0.56
105.
1912
0.97
128.
6914
7.99
39.5
945
.53
105.
4112
1.22
86.6
599
.65
6610
4.84
120.
5610
5.19
120.
9712
8.69
147.
9939
.59
45.5
310
5.41
121.
2286
.65
99.6
567
104.
8412
0.56
105.
1912
0.97
128.
6914
7.99
39.5
945
.53
105.
4112
1.22
86.6
599
.65
6810
9.30
125.
7010
9.75
126.
2113
3.80
153.
8739
.59
45.5
311
0.08
126.
5990
.42
103.
9869
113.
6913
0.74
114.
2713
1.41
139.
0415
9.90
40.8
747
.00
114.
8713
2.10
94.2
010
8.33
7011
7.93
135.
6211
8.42
136.
1814
3.92
165.
5042
.87
49.3
011
9.32
137.
2297
.76
112.
4271
121.
4613
9.68
122.
2914
0.63
148.
6317
0.92
44.3
951
.05
123.
6314
2.17
101.
3311
6.53
7212
4.99
143.
7312
6.15
145.
0815
3.34
176.
3445
.91
52.8
012
7.93
147.
1210
4.91
120.
6573
128.
5114
7.79
130.
0214
9.53
158.
0518
1.76
47.5
854
.71
132.
2415
2.07
108.
4912
4.76
7413
2.04
151.
8513
3.89
153.
9816
2.76
187.
1749
.25
56.6
413
6.54
157.
0311
2.06
128.
8775
135.
6415
5.98
137.
8315
8.50
167.
5519
2.69
51.1
958
.87
140.
9216
2.06
115.
7013
3.05
7613
8.11
158.
8314
0.88
162.
0217
1.75
197.
5252
.77
60.6
814
4.70
166.
4011
9.00
136.
8577
140.
6116
1.70
143.
9616
5.56
175.
9920
2.39
54.3
762
.52
148.
5117
0.78
122.
3314
0.68
7814
3.19
164.
6714
7.14
169.
2118
0.36
207.
4155
.99
64.3
915
2.43
175.
2912
5.76
144.
6279
145.
8116
7.68
150.
3517
2.91
184.
7621
2.48
57.6
466
.29
156.
3917
9.85
129.
2214
8.60
8014
8.52
170.
8015
3.67
176.
7218
9.31
217.
7159
.31
68.2
016
0.47
184.
5413
2.78
152.
6981
150.
6917
3.30
156.
4917
9.97
193.
8522
2.92
61.0
170
.17
164.
5418
9.22
136.
5115
6.99
8215
2.96
175.
9115
9.42
183.
3319
8.53
228.
3162
.74
72.1
516
8.74
194.
0514
0.36
161.
4183
155.
2617
8.54
162.
3818
6.73
203.
2723
3.76
64.5
074
.17
172.
9819
8.93
144.
2516
5.88
8415
7.57
181.
2116
5.37
190.
1720
8.06
239.
2666
.27
76.2
117
7.28
203.
8714
8.18
170.
4185
159.
9118
3.90
168.
3919
3.65
212.
9024
4.83
68.0
178
.21
181.
6220
8.86
152.
1617
4.98
8616
2.02
186.
3317
0.97
196.
6221
7.36
249.
9669
.48
79.9
018
5.58
213.
4215
5.78
179.
1587
164.
1618
8.79
173.
5919
9.63
221.
8825
5.16
70.9
781
.62
189.
6021
8.03
159.
4618
3.38
8816
6.32
191.
2717
6.24
202.
6722
6.47
260.
4472
.48
83.3
519
3.67
222.
7216
3.19
187.
6789
168.
4319
3.69
178.
8320
5.66
231.
0126
5.66
74.0
085
.10
197.
7022
7.36
166.
8919
1.93
9017
0.47
196.
0418
1.37
208.
5723
5.49
270.
8175
.55
86.8
820
1.69
231.
9417
0.56
196.
1591
171.
7519
7.51
183.
0521
0.51
239.
1127
4.98
76.9
588
.50
204.
9223
5.65
173.
6219
9.67
9217
3.04
198.
9918
4.76
212.
4724
2.78
279.
1978
.38
90.1
320
8.18
239.
4017
6.71
203.
2293
174.
1620
0.28
186.
2921
4.23
246.
2328
3.17
79.8
291
.79
211.
2624
2.95
179.
6620
6.61
9417
5.29
201.
5818
7.83
216.
0024
9.72
287.
1881
.27
93.4
621
4.37
246.
5318
2.63
210.
0395
176.
4220
2.89
189.
3821
7.79
253.
2429
1.23
82.7
495
.15
217.
5125
0.14
185.
6321
3.48
9617
8.19
204.
9219
1.28
219.
9725
5.77
294.
1483
.32
95.8
221
9.68
252.
6418
7.49
215.
6197
179.
9720
6.97
193.
1922
2.17
258.
3329
7.08
83.9
096
.49
221.
8825
5.16
189.
3621
7.77
9818
1.77
209.
0319
5.12
224.
3926
0.91
300.
0584
.49
97.1
722
4.10
257.
7219
1.26
219.
9499
183.
5921
1.12
197.
0722
6.63
263.
5230
3.05
85.0
897
.85
226.
3426
0.29
193.
1722
2.14
For
Ann
ual P
rem
ium
mod
e, m
ultip
ly m
onth
ly r
ates
by
12.
For
Cla
ss 1
rat
es m
ultip
ly b
y 1.
15.
Pla
n F
Hig
h D
edu
ctib
le
Mo
nth
ly R
ates
by
Pla
n -
Pen
nsy
lvan
iaZ
ip C
od
es:
All
Zip
Co
des
th
at s
tart
wit
h 1
55, 1
57-1
88, 1
95-1
96
Pla
n A
Pla
n F
Pla
n G
Pla
n N
Pla
n B
No
n-T
ob
acco
Rat
es
AP
A50
0-O
C R
AT
ES
Ho
use
ho
ld P
rem
ium
Dis
cou
nt
of
10%
may
ap
ply
. S
ee H
ou
seh
old
Dis
cou
nt
Pre
miu
m d
escr
ipti
on
.E
ffect
ive:
10/
01/2
018
4 of 2
2
Att
ain
ed
Ag
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
e0-
6412
0.56
138.
6512
0.97
139.
1214
7.99
170.
1945
.53
52.3
612
1.22
139.
4099
.65
114.
6065
120.
5613
8.65
120.
9713
9.12
147.
9917
0.19
45.5
352
.36
121.
2213
9.40
99.6
511
4.60
6612
0.56
138.
6512
0.97
139.
1214
7.99
170.
1945
.53
52.3
612
1.22
139.
4099
.65
114.
6067
120.
5613
8.65
120.
9713
9.12
147.
9917
0.19
45.5
352
.36
121.
2213
9.40
99.6
511
4.60
6812
5.70
144.
5512
6.21
145.
1415
3.87
176.
9645
.53
52.3
612
6.59
145.
5810
3.98
119.
5869
130.
7415
0.35
131.
4115
1.12
159.
9018
3.88
47.0
054
.04
132.
1015
1.92
108.
3312
4.58
7013
5.62
155.
9613
6.18
156.
6116
5.50
190.
3349
.30
56.7
013
7.22
157.
8111
2.42
129.
2871
139.
6816
0.63
140.
6316
1.72
170.
9219
6.56
51.0
558
.71
142.
1716
3.50
116.
5313
4.01
7214
3.73
165.
2914
5.08
166.
8417
6.34
202.
7952
.80
60.7
214
7.12
169.
1912
0.65
138.
7473
147.
7916
9.96
149.
5317
1.96
181.
7620
9.02
54.7
162
.92
152.
0717
4.89
124.
7614
3.47
7415
1.85
174.
6215
3.98
177.
0718
7.17
215.
2556
.64
65.1
315
7.03
180.
5812
8.87
148.
2075
155.
9817
9.38
158.
5018
2.28
192.
6922
1.59
58.8
767
.70
162.
0618
6.36
133.
0515
3.01
7615
8.83
182.
6516
2.02
186.
3219
7.52
227.
1460
.68
69.7
916
6.40
191.
3613
6.85
157.
3877
161.
7018
5.95
165.
5619
0.39
202.
3923
2.75
62.5
271
.90
170.
7819
6.40
140.
6816
1.78
7816
4.67
189.
3816
9.21
194.
6020
7.41
238.
5264
.39
74.0
517
5.29
201.
5914
4.62
166.
3179
167.
6819
2.83
172.
9119
8.84
212.
4824
4.35
66.2
976
.23
179.
8520
6.82
148.
6017
0.89
8017
0.80
196.
4217
6.72
203.
2321
7.71
250.
3668
.20
78.4
318
4.54
212.
2215
2.69
175.
6081
173.
3019
9.29
179.
9720
6.96
222.
9225
6.36
70.1
780
.69
189.
2221
7.60
156.
9918
0.54
8217
5.91
202.
2918
3.33
210.
8322
8.31
262.
5672
.15
82.9
819
4.05
223.
1616
1.41
185.
6283
178.
5420
5.33
186.
7321
4.74
233.
7626
8.82
74.1
785
.30
198.
9322
8.77
165.
8819
0.76
8418
1.21
208.
3919
0.17
218.
7023
9.26
275.
1576
.21
87.6
520
3.87
234.
4517
0.41
195.
9785
183.
9021
1.48
193.
6522
2.70
244.
8328
1.56
78.2
189
.94
208.
8624
0.19
174.
9820
1.23
8618
6.33
214.
2819
6.62
226.
1124
9.96
287.
4679
.90
91.8
921
3.42
245.
4317
9.15
206.
0287
188.
7921
7.10
199.
6322
9.57
255.
1629
3.44
81.6
293
.86
218.
0325
0.74
183.
3821
0.89
8819
1.27
219.
9620
2.67
233.
0826
0.44
299.
5183
.35
95.8
522
2.72
256.
1318
7.67
215.
8289
193.
6922
2.75
205.
6623
6.51
265.
6630
5.51
85.1
097
.87
227.
3626
1.46
191.
9322
0.72
9019
6.04
225.
4520
8.57
239.
8627
0.81
311.
4386
.88
99.9
123
1.94
266.
7319
6.15
225.
5791
197.
5122
7.14
210.
5124
2.09
274.
9831
6.23
88.5
010
1.77
235.
6527
1.00
199.
6722
9.62
9219
8.99
228.
8421
2.47
244.
3427
9.19
321.
0790
.13
103.
6523
9.40
275.
3120
3.22
233.
7093
200.
2823
0.32
214.
2324
6.36
283.
1732
5.65
91.7
910
5.56
242.
9527
9.39
206.
6123
7.60
9420
1.58
231.
8221
6.00
248.
4028
7.18
330.
2693
.46
107.
4824
6.53
283.
5121
0.03
241.
5395
202.
8923
3.32
217.
7925
0.46
291.
2333
4.91
95.1
510
9.43
250.
1428
7.66
213.
4824
5.50
9620
4.92
235.
6521
9.97
252.
9629
4.14
338.
2695
.82
110.
1925
2.64
290.
5321
5.61
247.
9597
206.
9723
8.01
222.
1725
5.49
297.
0834
1.64
96.4
911
0.96
255.
1629
3.44
217.
7725
0.43
9820
9.03
240.
3922
4.39
258.
0430
0.05
345.
0697
.17
111.
7425
7.72
296.
3721
9.94
252.
9499
211.
1224
2.79
226.
6326
0.63
303.
0534
8.51
97.8
511
2.52
260.
2929
9.34
222.
1425
5.47
For
Ann
ual P
rem
ium
mod
e, m
ultip
ly m
onth
ly r
ates
by
12.
For
Cla
ss 1
rat
es m
ultip
ly b
y 1.
15.
Mo
nth
ly R
ates
by
Pla
n -
Pen
nsy
lvan
ia
Pla
n F
Hig
h D
edu
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lan
FP
lan
GP
lan
N
Zip
Co
des
: A
ll Z
ip C
od
es t
hat
sta
rt w
ith
155
, 157
-188
, 195
-196
Pla
n A
Pla
n B
To
bac
co R
ates
AP
A50
0-O
C R
AT
ES
Ho
use
ho
ld P
rem
ium
Dis
cou
nt
of
10%
may
ap
ply
. S
ee H
ou
seh
old
Dis
cou
nt
Pre
miu
m d
escr
ipti
on
.E
ffect
ive:
10/
01/2
018
5 of 2
2
Att
ain
ed
Ag
e
Fem
ale
Mal
eF
emal
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ale
Fem
ale
Mal
eF
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Fem
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Mal
eF
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0-64
130.
2214
9.75
130.
6615
0.26
159.
8518
3.82
49.1
756
.55
130.
9315
0.57
107.
6312
3.77
6513
0.22
149.
7513
0.66
150.
2615
9.85
183.
8249
.17
56.5
513
0.93
150.
5710
7.63
123.
7766
130.
2214
9.75
130.
6615
0.26
159.
8518
3.82
49.1
756
.55
130.
9315
0.57
107.
6312
3.77
6713
0.22
149.
7513
0.66
150.
2615
9.85
183.
8249
.17
56.5
513
0.93
150.
5710
7.63
123.
7768
135.
7615
6.13
136.
3215
6.76
166.
2019
1.13
49.1
756
.55
136.
7315
7.24
112.
3112
9.16
6914
1.21
162.
3914
1.93
163.
2217
2.71
198.
6150
.76
58.3
714
2.68
164.
0811
7.00
134.
5570
146.
4816
8.45
147.
0916
9.15
178.
7620
5.57
53.2
561
.24
148.
2117
0.45
121.
4213
9.64
7115
0.86
173.
4915
1.89
174.
6718
4.61
212.
3055
.14
63.4
115
3.56
176.
5912
5.87
144.
7572
155.
2517
8.53
156.
7018
0.20
190.
4621
9.03
57.0
365
.58
158.
9118
2.74
130.
3114
9.86
7315
9.63
183.
5716
1.50
185.
7319
6.31
225.
7659
.10
67.9
616
4.25
188.
8913
4.75
154.
9674
164.
0118
8.61
166.
3119
1.25
202.
1623
2.49
61.1
770
.35
169.
6019
5.04
139.
1916
0.07
7516
8.47
193.
7417
1.20
196.
8820
8.12
239.
3463
.58
73.1
217
5.03
201.
2914
3.71
165.
2676
171.
5519
7.28
174.
9920
1.24
213.
3424
5.34
65.5
475
.37
179.
7320
6.69
147.
8116
9.98
7717
4.65
200.
8517
8.82
205.
6421
8.60
251.
3967
.53
77.6
618
4.46
212.
1315
1.95
174.
7478
177.
8620
4.54
182.
7721
0.18
224.
0225
7.62
69.5
579
.98
189.
3321
7.73
156.
2017
9.63
7918
1.11
208.
2818
6.75
214.
7722
9.50
263.
9271
.59
82.3
319
4.25
223.
3916
0.50
184.
5880
184.
4821
2.15
190.
8821
9.51
235.
1427
0.41
73.6
784
.72
199.
3222
9.22
164.
9218
9.66
8118
7.18
215.
2519
4.38
223.
5424
0.78
276.
8975
.78
87.1
520
4.38
235.
0316
9.56
195.
0082
190.
0021
8.50
198.
0222
7.72
246.
5928
3.58
77.9
389
.62
209.
5924
1.03
174.
3420
0.49
8319
2.84
221.
7720
1.69
231.
9425
2.48
290.
3580
.11
92.1
321
4.86
247.
0917
9.17
206.
0484
195.
7222
5.08
205.
4123
6.22
258.
4329
7.19
82.3
294
.66
220.
2025
3.23
184.
0521
1.66
8519
8.63
228.
4220
9.16
240.
5326
4.44
304.
1184
.47
97.1
422
5.59
259.
4318
9.00
217.
3586
201.
2523
1.44
212.
3724
4.22
269.
9831
0.48
86.3
099
.25
230.
5126
5.09
193.
5022
2.52
8720
3.91
234.
4921
5.62
247.
9627
5.60
316.
9488
.15
101.
3823
5.50
270.
8219
8.07
227.
7888
206.
5923
7.58
218.
9125
1.74
281.
3032
3.49
90.0
310
3.53
240.
5627
6.64
202.
7023
3.11
8920
9.21
240.
5922
2.13
255.
4528
6.93
329.
9791
.92
105.
7124
5.57
282.
4020
7.30
238.
3990
211.
7424
3.51
225.
2825
9.07
292.
5033
6.37
93.8
410
7.91
250.
5228
8.10
211.
8624
3.64
9121
3.33
245.
3322
7.37
261.
4829
7.00
341.
5695
.59
109.
9225
4.53
292.
7121
5.66
248.
0192
214.
9324
7.17
229.
4926
3.91
301.
5634
6.79
97.3
511
1.95
258.
5829
7.36
219.
5025
2.42
9321
6.32
248.
7723
1.39
266.
1030
5.85
351.
7399
.14
114.
0126
2.41
301.
7722
3.16
256.
6394
217.
7225
0.38
233.
3026
8.30
310.
1835
6.71
100.
9511
6.09
266.
2730
6.21
226.
8526
0.87
9521
9.14
252.
0123
5.23
270.
5231
4.55
361.
7310
2.77
118.
1927
0.17
310.
7023
0.57
265.
1696
221.
3325
4.53
237.
5827
3.22
317.
7036
5.35
103.
4911
9.02
272.
8731
3.80
232.
8826
7.81
9722
3.54
257.
0723
9.96
275.
9532
0.87
369.
0010
4.22
119.
8527
5.60
316.
9423
5.21
270.
4998
225.
7825
9.64
242.
3627
8.71
324.
0837
2.69
104.
9512
0.69
278.
3632
0.11
237.
5627
3.19
9922
8.03
262.
2424
4.78
281.
5032
7.32
376.
4210
5.68
121.
5328
1.14
323.
3123
9.93
275.
93
For
Ann
ual P
rem
ium
mod
e, m
ultip
ly m
onth
ly r
ates
by
12.
For
Cla
ss 1
rat
es m
ultip
ly b
y 1.
15.
Pla
n F
Hig
h D
edu
ctib
le
Mo
nth
ly R
ates
by
Pla
n -
Pen
nsy
lvan
iaZ
ip C
od
es:
All
Zip
Co
des
th
at s
tart
wit
h 1
89-1
94
Pla
n A
Pla
n F
Pla
n G
Pla
n N
Pla
n B
No
n-T
ob
acco
Rat
es
AP
A50
0-O
C R
AT
ES
Ho
use
ho
ld P
rem
ium
Dis
cou
nt
of
10%
may
ap
ply
. S
ee H
ou
seh
old
Dis
cou
nt
Pre
miu
m d
escr
ipti
on
.E
ffect
ive:
10/
01/2
018
6 of 2
2
Att
ain
ed
Ag
e
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
Fem
ale
Mal
eF
emal
eM
ale
0-64
149.
7517
2.22
150.
2617
2.80
183.
8221
1.39
56.5
565
.03
150.
5717
3.15
123.
7714
2.34
6514
9.75
172.
2215
0.26
172.
8018
3.82
211.
3956
.55
65.0
315
0.57
173.
1512
3.77
142.
3466
149.
7517
2.22
150.
2617
2.80
183.
8221
1.39
56.5
565
.03
150.
5717
3.15
123.
7714
2.34
6714
9.75
172.
2215
0.26
172.
8018
3.82
211.
3956
.55
65.0
315
0.57
173.
1512
3.77
142.
3468
156.
1317
9.55
156.
7618
0.28
191.
1321
9.80
56.5
565
.03
157.
2418
0.83
129.
1614
8.53
6916
2.39
186.
7516
3.22
187.
7119
8.61
228.
4058
.37
67.1
316
4.08
188.
7013
4.55
154.
7470
168.
4519
3.72
169.
1519
4.52
205.
5723
6.41
61.2
470
.42
170.
4519
6.01
139.
6416
0.58
7117
3.49
199.
5217
4.67
200.
8821
2.30
244.
1563
.41
72.9
217
6.59
203.
0814
4.75
166.
4672
178.
5320
5.31
180.
2020
7.23
219.
0325
1.89
65.5
875
.42
182.
7421
0.16
149.
8617
2.33
7318
3.57
211.
1118
5.73
213.
5922
5.76
259.
6267
.96
78.1
518
8.89
217.
2315
4.96
178.
2174
188.
6121
6.90
191.
2521
9.94
232.
4926
7.36
70.3
580
.90
195.
0422
4.30
160.
0718
4.08
7519
3.74
222.
8119
6.88
226.
4123
9.34
275.
2473
.12
84.0
920
1.29
231.
4816
5.26
190.
0576
197.
2822
6.87
201.
2423
1.43
245.
3428
2.14
75.3
786
.68
206.
6923
7.69
169.
9819
5.48
7720
0.85
230.
9720
5.64
236.
4825
1.39
289.
1077
.66
89.3
121
2.13
243.
9517
4.74
200.
9578
204.
5423
5.22
210.
1824
1.71
257.
6229
6.27
79.9
891
.98
217.
7325
0.39
179.
6320
6.58
7920
8.28
239.
5221
4.77
246.
9826
3.92
303.
5182
.33
94.6
822
3.39
256.
9018
4.58
212.
2680
212.
1524
3.97
219.
5125
2.43
270.
4131
0.97
84.7
297
.42
229.
2226
3.60
189.
6621
8.11
8121
5.25
247.
5422
3.54
257.
0727
6.89
318.
4387
.15
100.
2323
5.03
270.
2919
5.00
224.
2482
218.
5025
1.27
227.
7226
1.87
283.
5832
6.12
89.6
210
3.07
241.
0327
7.18
200.
4923
0.56
8322
1.77
255.
0423
1.94
266.
7429
0.35
333.
9092
.13
105.
9524
7.09
284.
1620
6.04
236.
9584
225.
0825
8.84
236.
2227
1.65
297.
1934
1.77
94.6
610
8.86
253.
2329
1.21
211.
6624
3.41
8522
8.42
262.
6924
0.53
276.
6130
4.11
349.
7397
.14
111.
7125
9.43
298.
3421
7.35
249.
9586
231.
4426
6.16
244.
2228
0.86
310.
4835
7.05
99.2
511
4.13
265.
0930
4.85
222.
5225
5.90
8723
4.49
269.
6724
7.96
285.
1531
6.94
364.
4810
1.38
116.
5827
0.82
311.
4522
7.78
261.
9488
237.
5827
3.22
251.
7428
9.50
323.
4937
2.02
103.
5311
9.06
276.
6431
8.14
233.
1126
8.07
8924
0.59
276.
6825
5.45
293.
7632
9.97
379.
4710
5.71
121.
5728
2.40
324.
7623
8.39
274.
1590
243.
5128
0.03
259.
0729
7.93
336.
3738
6.83
107.
9112
4.10
288.
1033
1.31
243.
6428
0.18
9124
5.33
282.
1326
1.48
300.
7034
1.56
392.
7910
9.92
126.
4129
2.71
336.
6124
8.01
285.
2192
247.
1728
4.24
263.
9130
3.50
346.
7939
8.81
111.
9512
8.75
297.
3634
1.97
252.
4229
0.28
9324
8.77
286.
0926
6.10
306.
0135
1.73
404.
4911
4.01
131.
1130
1.77
347.
0325
6.63
295.
1294
250.
3828
7.94
268.
3030
8.54
356.
7141
0.21
116.
0913
3.50
306.
2135
2.14
260.
8730
0.01
9525
2.01
289.
8127
0.52
311.
0936
1.73
415.
9911
8.19
135.
9231
0.70
357.
3026
5.16
304.
9396
254.
5329
2.71
273.
2231
4.20
365.
3542
0.15
119.
0213
6.87
313.
8036
0.87
267.
8130
7.98
9725
7.07
295.
6327
5.95
317.
3536
9.00
424.
3511
9.85
137.
8331
6.94
364.
4827
0.49
311.
0698
259.
6429
8.59
278.
7132
0.52
372.
6942
8.60
120.
6913
8.79
320.
1136
8.13
273.
1931
4.17
9926
2.24
301.
5728
1.50
323.
7237
6.42
432.
8812
1.53
139.
7632
3.31
371.
8127
5.93
317.
32
For
Ann
ual P
rem
ium
mod
e, m
ultip
ly m
onth
ly r
ates
by
12.
For
Cla
ss 1
rat
es m
ultip
ly b
y 1.
15.
Mo
nth
ly R
ates
by
Pla
n -
Pen
nsy
lvan
ia
Pla
n F
Hig
h D
edu
ctib
leP
lan
FP
lan
GP
lan
N
Zip
Co
des
: A
ll Z
ip C
od
es t
hat
sta
rt w
ith
189
-194
Pla
n A
Pla
n B
To
bac
co R
ates
AP
A50
0-O
C R
AT
ES
Ho
use
ho
ld P
rem
ium
Dis
cou
nt
of
10%
may
ap
ply
. S
ee H
ou
seh
old
Dis
cou
nt
Pre
miu
m d
escr
ipti
on
.E
ffect
ive:
10/
01/2
018
7 of 2
2
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
Disc
losu
res.
Use
this
outlin
e to c
ompa
re be
nefits
and p
remi
ums a
mong
polic
ies.
Prem
ium
Info
rmat
ion.
Ame
rico F
inanc
ial Li
fe an
d Ann
uity I
nsur
ance
Com
pany
can o
nly ra
ise yo
ur pr
emium
if we
raise
the p
remi
um fo
r all p
olicie
s like
your
s in t
he sa
me
geog
raph
ic ar
ea of
the s
tate w
here
you l
ive. U
ntil y
ou ar
e age
99, y
our p
remi
um m
ay ch
ange
each
year
. This
chan
ge w
ill on
ly be
mad
e on t
he fir
st re
newa
l date
that
coinc
ides w
ith or
follo
ws ea
ch an
niver
sary
of the
effec
tive d
ate. S
ched
ules o
f rate
s may
vary
depe
nding
upon
your
effec
tive d
ate.
Hous
ehol
d Pr
emiu
m D
iscou
nt. Y
ou ar
e elig
ible f
or a
hous
ehold
prem
ium di
scou
nt if 1
) for
the p
ast y
ear Y
ou ha
ve re
sided
with
anoth
er ad
ult an
d 2) Y
ou ar
e in a
lega
l re
lation
ship
with
this a
dult.
This
adult
is no
t req
uired
to ha
ve an
insu
ranc
e poli
cy w
ith U
s. Th
e disc
ounte
d pre
mium
will
be pr
iced 1
0% lo
wer t
han t
he ra
tes ill
ustra
ted. Y
our
polic
y's ho
useh
old pr
emium
disc
ount
will b
e rem
oved
if the
othe
r adu
lt no l
onge
r res
ides w
ith yo
u (oth
er th
an in
the c
ase o
f his
or he
r dea
th).
Read
You
r Pol
icy V
ery C
aref
ully.
Thi
s is o
nly a
n ou
tline
des
crib
ing
your
pol
icy’s
mos
t im
porta
nt fe
atur
es. T
he p
olicy
is yo
ur in
sura
nce c
ontra
ct. Y
ou m
ust
read
the p
olicy
itse
lf to
und
erst
and
all o
f the
righ
ts an
d du
ties o
f bot
h yo
u an
d us
. Ri
ght t
o Re
turn
Pol
icy. I
f you
find t
hat y
ou ar
e not
satis
fied w
ith yo
ur po
licy,
you m
ay re
turn i
t to us
at: A
meric
o Fina
ncial
Life
and A
nnuit
y Ins
uran
ce C
ompa
ny
Admi
nistra
tive O
ffices
: PO
Box 1
0812
, Clea
rwate
r, FL
3325
7-88
12. If
you s
end t
he po
licy b
ack t
o us w
ithin
30 da
ys af
ter yo
u rec
eive i
t, we w
ill tre
at the
polic
y as i
f it ha
d ne
ver b
een i
ssue
d and
retur
n all o
f you
r pay
ments
. Po
licy R
eplac
emen
t. If
you a
re re
placin
g ano
ther h
ealth
insu
ranc
e poli
cy, d
o NOT
canc
el it u
ntil y
ou ha
ve ac
tually
rece
ived y
our n
ew po
licy a
nd ar
e sur
e you
wan
t to
keep
it.
Notic
e. T
he po
licy m
ay no
t fully
cove
r all o
f you
r med
ical c
osts.
Neit
her w
e nor
our a
gents
are c
onne
cted w
ith M
edica
re. T
his ou
tline d
oes n
ot giv
e all t
he de
tails
of Me
dicar
e cov
erag
e. Co
ntact
your
loca
l Soc
ial S
ecur
ity of
fice o
r con
sult “
Medic
are &
You
” for
mor
e deta
ils.
Com
plet
e Ans
wers
Are
Ver
y Im
porta
nt. W
hen y
ou fil
l out
the ap
plica
tion f
or th
e new
polic
y, be
sure
to an
swer
truth
fully
and c
omple
tely a
ll que
stion
s abo
ut yo
ur m
edica
l an
d hea
lth hi
story.
We m
ay ca
ncel
your
polic
y and
refus
e to p
ay an
y clai
ms if
you l
eave
out o
r fals
ify im
porta
nt me
dical
infor
matio
n. Re
view
the a
pplic
atio
n ca
refu
lly
befo
re yo
u sig
n it.
Be c
erta
in th
at al
l info
rmat
ion
has b
een
prop
erly
reco
rded
. No
Hea
lth R
eview
. No h
ealth
revie
w is
requ
ired i
f you
enro
ll with
in the
first
six m
onths
after
you r
each
age 6
5 and
enro
ll in M
edica
re P
art B
, or in
othe
r situ
ation
s as
requ
ired b
y law
.
PLEA
SE R
EFER
TO
YOUR
POL
ICY
FOR
DETA
ILS.
8 of 2
2
AMER
ICO
FINA
NCIA
L LI
FE A
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NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an A
Plan
A
Medi
care
Par
t A –
Hosp
ital S
ervic
es P
er B
enef
it Pe
riod
*A be
nefit
perio
d beg
ins on
the f
irst d
ay yo
u rec
eive s
ervic
e as a
n inp
atien
t in a
hosp
ital a
nd en
ds af
ter yo
u hav
e bee
n out
of the
hosp
ital a
nd ha
ve no
t rec
eived
skille
d ca
re in
any o
ther f
acilit
y for
60 da
ys in
a ro
w.
Serv
ices
Medi
care
Pay
s Pl
an A
Pay
s Yo
u Pa
y Ho
spita
lizat
ion*
Se
mipr
ivate
room
and b
oard
, gen
eral
nursi
ng an
d misc
ellan
eous
se
rvice
s and
supp
lies.
First
60 da
ys
All b
ut $1
,364
$0
$1,36
4 Par
t A D
educ
tible
61st t
hru 9
0th day
Al
l but
$341
a da
y $3
41 a
day
$0
91st d
ay an
d afte
r -
Whil
e usin
g 60 l
ifetim
e res
erve
days
-
Once
lifeti
me re
serve
days
are u
sed
Ad
dition
al 36
5 day
s
Beyo
nd th
e add
itiona
l 365
days
All b
ut $6
82 a
day
$0
$0
$682
a da
y 10
0% of
Med
icare
Elig
ible E
xpen
ses
$0
$0
$0**
All C
osts
Skille
d Nu
rsin
g Fa
cility
Car
e*
You m
ust m
eet M
edica
re’s
requ
ireme
nts, in
cludin
g hav
ing be
en in
a ho
spita
l for a
t leas
t 3 da
ys an
d ente
red a
Med
icare
appr
oved
facil
ity
withi
n 30 d
ays a
fter le
aving
the h
ospit
al.
First
20 da
ys
21st t
hru 1
00th d
ays
101st d
ay an
d afte
r
All a
ppro
ved a
moun
ts Al
l but
$170
.50 a
day
$0
$0
$0
$0
$0
Up to
$170
.50 a
day
All C
osts
Bloo
d Fir
st 3 p
ints
Addit
ional
amou
nts
$0
100%
3 pint
s $0
$0
$0
Hosp
ice C
are
You m
ust m
eet M
edica
re’s
requ
ireme
nts, in
cludin
g a do
ctor’s
ce
rtifica
tion o
f term
inal il
lness
.
All b
ut ve
ry lim
ited
copa
ymen
t/coin
sura
nce
for ou
tpatie
nt dr
ugs a
nd
inpati
ent r
espit
e car
e.
Medic
are c
opay
ment/
coins
uran
ce
$0
**Whe
n you
r Med
icare
Par
t A ho
spita
l ben
efits
are e
xhau
sted,
the in
sure
r stan
ds in
the p
lace o
f Med
icare
and w
ill pa
y wha
tever
amou
nt Me
dicar
e wou
ld ha
ve pa
id for
up
to an
addit
ional
365 d
ays a
s pro
vided
in th
e poli
cy’s
“Cor
e Ben
efits.
” Dur
ing th
is tim
e, the
hosp
ital is
proh
ibited
from
billin
g you
for t
he ba
lance
base
d on a
ny di
ffere
nce
betw
een i
ts bil
led ch
arge
s and
the a
moun
t Med
icare
wou
ld ha
ve pa
id.
9 of 2
2
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an A
Plan
A
Medi
care
Par
t B –
Medi
cal S
ervic
es p
er C
alend
ar Y
ear
*Onc
e you
have
been
bille
d $18
5 of M
edica
re E
ligibl
e Exp
ense
s for
cove
red s
ervic
es, y
our M
edica
re P
art B
Ded
uctib
le wi
ll hav
e bee
n met
for th
e cale
ndar
year
. Se
rvice
s Me
dica
re P
ays
Plan
A P
ays
You
Pay
Medi
cal E
xpen
ses
In or
out o
f the h
ospit
al an
d outp
atien
t hos
pital
treatm
ent, s
uch a
s Ph
ysici
an’s
servi
ces,
inpati
ent a
nd ou
tpatie
nt me
dical
and s
urgic
al se
rvice
s an
d sup
plies
, phy
sical
and s
peec
h the
rapy
, diag
nosti
c tes
ts, du
rable
med
ical
equip
ment
First
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
Gene
rally
80%
$0
Ge
nera
lly 20
%
$185
Par
t B D
educ
tible
$0
Part
B Ex
cess
Cha
rges
(abo
ve M
edica
re ap
prov
ed am
ounts
) $0
$0
Al
l cos
ts Bl
ood
First
3 pint
s Ne
xt $1
85 of
Med
icare
appr
oved
amou
nts*
Rema
inder
of M
edica
re ap
prov
ed am
ounts
$0
$0
80%
All c
osts
$0
20%
$0
$185
Par
t B D
educ
tible
$0
Clin
ical L
abor
ator
y Ser
vices
– Te
sts fo
r diag
nosti
c ser
vices
10
0%
$0
$0
Parts
A &
B
Serv
ices
Medi
care
Pay
s Pl
an A
Pay
s Yo
u Pa
y Ho
me H
ealth
Car
e Me
dicar
e Elig
ible S
ervic
es
- Me
dicall
y nec
essa
ry sk
illed c
are s
ervic
es an
d med
ical s
uppli
es
- Du
rable
med
ical e
quipm
ent. F
irst $
185 o
f Med
icare
appr
oved
amou
nts*
- Re
maind
er of
Med
icare
appr
oved
amou
nts
100%
$0
80
%
$0
$0
20%
$0
$185
Par
t B D
educ
tible
$0
10 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an B
Plan
B
Medi
care
Par
t A –
Hosp
ital S
ervic
es P
er B
enef
it Pe
riod
*A be
nefit
perio
d beg
ins on
the f
irst d
ay yo
u rec
eive s
ervic
e as a
n inp
atien
t in a
hosp
ital a
nd en
ds af
ter yo
u hav
e bee
n out
of the
hosp
ital a
nd ha
ve no
t rec
eived
skille
d ca
re in
any o
ther f
acilit
y for
60 da
ys in
a ro
w.
Serv
ices
Medi
care
Pay
s Pl
an B
Pay
s Yo
u Pa
y Ho
spita
lizat
ion*
Se
mipr
ivate
room
and b
oard
, gen
eral
nursi
ng an
d misc
ellan
eous
se
rvice
s and
supp
lies.
First
60 da
ys
All b
ut $1
,364
$1,36
4 Par
t A D
educ
tible
$0
61st t
hru 9
0th day
Al
l but
$341
a da
y $3
41 a
day
$0
91st d
ay an
d afte
r -
Whil
e usin
g 60 l
ifetim
e res
erve
days
-
Once
lifeti
me re
serve
days
are u
sed
Ad
dition
al 36
5 day
s
Beyo
nd th
e add
itiona
l 365
days
All b
ut $6
82 a
day
$0
$0
$682
a da
y 10
0% of
Med
icare
Elig
ible E
xpen
ses
$0
$0
$0**
All C
osts
Skille
d Nu
rsin
g Fa
cility
Car
e*
You m
ust m
eet M
edica
re’s
requ
ireme
nts, in
cludin
g hav
ing be
en in
a ho
spita
l for a
t leas
t 3 da
ys an
d ente
red a
Med
icare
appr
oved
facil
ity
withi
n 30 d
ays a
fter le
aving
the h
ospit
al.
First
20 da
ys
21st t
hru 1
00th d
ays
101st d
ay an
d afte
r
All a
ppro
ved a
moun
ts Al
l but
$170
.50 a
day
$0
$0
$0
$0
$0
Up to
$170
.50 a
day
All C
osts
Bloo
d Fir
st 3 p
ints
Addit
ional
amou
nts
$0
100%
3 pint
s $0
$0
$0
Hosp
ice C
are
You m
ust m
eet M
edica
re’s
requ
ireme
nts, in
cludin
g a do
ctor’s
ce
rtifica
tion o
f term
inal il
lness
.
All b
ut ve
ry lim
ited
copa
ymen
t/coin
sura
nce
for ou
tpatie
nt dr
ugs a
nd
inpati
ent r
espit
e car
e.
Medic
are c
opay
ment/
coins
uran
ce
$0
*Whe
n you
r Med
icare
Par
t A ho
spita
l ben
efits
are e
xhau
sted,
the in
sure
r stan
ds in
the p
lace o
f Med
icare
and w
ill pa
y wha
tever
amou
nt Me
dicar
e wou
ld ha
ve pa
id for
up
to an
addit
ional
365 d
ays a
s pro
vided
in th
e poli
cy’s
“Cor
e Ben
efits.
” Dur
ing th
is tim
e, the
hosp
ital is
proh
ibited
from
billin
g you
for t
he ba
lance
base
d on a
ny di
ffere
nce
betw
een i
ts bil
led ch
arge
s and
the a
moun
t Med
icare
wou
ld ha
ve pa
id.
11 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an B
Plan
B
Medi
care
Par
t B –
Medi
cal S
ervic
es p
er C
alend
ar Y
ear
*Onc
e you
have
been
bille
d $18
5 of M
edica
re E
ligibl
e Exp
ense
s for
cove
red s
ervic
es, y
our M
edica
re P
art B
Ded
uctib
le wi
ll hav
e bee
n met
for th
e cale
ndar
year
. Se
rvice
s Me
dica
re P
ays
Plan
B P
ays
You
Pay
Medi
cal E
xpen
ses
In or
out o
f the h
ospit
al an
d outp
atien
t hos
pital
treatm
ent, s
uch a
s Phy
sician
’s se
rvice
s, inp
atien
t and
outpa
tient
medic
al an
d sur
gical
servi
ces a
nd su
pplie
s, ph
ysica
l and
spee
ch th
erap
y, dia
gnos
tic te
sts, d
urab
le me
dical
equip
ment
First
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
Gene
rally
80%
$0
Ge
nera
lly 20
%
$185
Par
t B D
educ
tible
$0
Part
B Ex
cess
Cha
rges
(abo
ve M
edica
re ap
prov
ed am
ounts
) $0
$0
Al
l cos
ts Bl
ood
First
3 pint
s Ne
xt $1
85 of
Med
icare
appr
oved
amou
nts*
Rema
inder
of M
edica
re ap
prov
ed am
ounts
$0
$0
80%
All c
osts
$0
20%
$0
$185
Par
t B D
educ
tible
$0
Clin
ical L
abor
ator
y Ser
vices
– Te
sts fo
r diag
nosti
c ser
vices
10
0%
$0
$0
Parts
A &
B
Serv
ices
Medi
care
Pay
s Pl
an B
Pay
s Yo
u Pa
y Ho
me H
ealth
Car
e Me
dicar
e Elig
ible S
ervic
es
- Me
dicall
y nec
essa
ry sk
illed c
are s
ervic
es an
d med
ical s
uppli
es
- Du
rable
med
ical e
quipm
ent. F
irst $
185 o
f Med
icare
appr
oved
amou
nts*
- Re
maind
er of
Med
icare
appr
oved
amou
nts
100%
$0
80
%
$0
$0
20%
$0
$185
Par
t B D
educ
tible
$0
12 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an F
and
Hig
h D
educ
tible
Pla
n F
Plan
F an
d Hi
gh D
educ
tible
Plan
F
Medi
care
Par
t A –
Hosp
ital S
ervic
es P
er B
enef
it Pe
riod
*A be
nefit
perio
d beg
ins on
the f
irst d
ay yo
u rec
eive s
ervic
e as a
n inp
atien
t in a
hosp
ital a
nd en
ds af
ter yo
u hav
e bee
n out
of the
hosp
ital a
nd ha
ve no
t rec
eived
skille
d ca
re in
any o
ther f
acilit
y for
60 da
ys in
a ro
w.
Serv
ices
Medi
care
Pay
s Pl
an F
Pay
s Yo
u Pa
y
High
Ded
uctib
le Pl
an F
Pa
ys (a
fter y
ou p
ay
$2,30
0 Ded
uctib
le***
You
Pay
(In ad
ditio
n to
$2,30
0 De
duct
ible*
**)
Hosp
italiz
atio
n Se
mipr
ivate
room
and b
oard
, gen
eral
nursi
ng
and m
iscell
aneo
us se
rvice
s and
supp
lies.
First
60 da
ys
All b
ut $1
,364
$1,36
4 Par
t A
Dedu
ctible
$0
$1
,364 P
art A
Ded
uctib
le $0
61st t
hru 9
0th day
Al
l but
$341
a da
y $3
41 a
day
$0
$341
a da
y $0
91st d
ay an
d afte
r -
Whil
e usin
g 60 l
ifetim
e res
erve
days
-
Once
lifeti
me re
serve
days
are u
sed
Ad
dition
al 36
5 day
s
Be
yond
the a
dditio
nal 3
65 da
ys
All b
ut $6
82 a
day
$0
$0
$682
a da
y 10
0% of
Med
icare
El
igible
Exp
ense
s $0
$0
$0**
All C
osts
$682
a da
y 10
0% of
Med
icare
El
igible
Exp
ense
s $0
$0
$0**
All C
osts
Skille
d Nu
rsin
g Fa
cility
Car
e Yo
u mus
t mee
t Med
icare
’s re
quire
ments
, inc
luding
havin
g bee
n in a
hosp
ital fo
r at le
ast 3
da
ys an
d ente
red a
Med
icare
appr
oved
facil
ity
withi
n 30 d
ays a
fter le
aving
the h
ospit
al.
First
20 da
ys
21st t
hru 1
00th d
ays
101st d
ay an
d afte
r
All a
ppro
ved
amou
nts
All b
ut $1
70.50
a da
y $0
$0
Up to
$170
.50 a
day
$0
$0
$0
All C
osts
$0
Up to
$170
.50 a
day
$0
$0
$0
All C
osts
13 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an F
and
Hig
h D
educ
tible
Pla
n F
Plan
F an
d Hi
gh D
educ
tible
Plan
F
Medi
care
Par
t A –
Hosp
ital S
ervic
es P
er B
enef
it Pe
riod
(Con
tinue
d)
Serv
ices
Medi
care
Pay
s Pl
an F
Pay
s Yo
u Pa
y
High
Ded
uctib
le Pl
an F
Pa
ys (a
fter y
ou p
ay
$2,30
0 Ded
uctib
le***
You
Pay
(In ad
ditio
n to
$2,30
0 De
duct
ible*
**)
Bloo
d Fir
st 3 p
ints
Addit
ional
amou
nts
$0
100%
3 pint
s $0
$0
$0
3 pint
s $0
$0
$0
Hosp
ice C
are
You m
ust m
eet M
edica
re’s
requ
ireme
nts,
includ
ing a
docto
r’s ce
rtifica
tion o
f term
inal
illnes
s.
All b
ut ve
ry lim
ited
copa
ymen
t/coin
sura
nce f
or ou
tpatie
nt dr
ugs a
nd in
patie
nt re
spite
care
.
Medic
are
copa
ymen
t/coin
sura
nce
$0
Medic
are
copa
ymen
t/coin
sura
nce
$0
**Whe
n you
r Med
icare
Par
t A ho
spita
l ben
efits
are e
xhau
sted,
the in
sure
r stan
ds in
the p
lace o
f Med
icare
and w
ill pa
y wha
tever
amou
nt Me
dicar
e wou
ld ha
ve pa
id for
up
to an
addit
ional
365 d
ays a
s pro
vided
in th
e poli
cy’s
“Cor
e Ben
efits.
” Dur
ing th
is tim
e, the
hosp
ital is
proh
ibited
from
billin
g you
for t
he ba
lance
base
d on a
ny di
ffere
nce
betw
een i
ts bil
led ch
arge
s and
the a
moun
t Med
icare
wou
ld ha
ve pa
id. **
*High
Ded
uctib
le Pl
an F
pays
the s
ame b
enefi
ts as
Plan
F af
ter on
e has
paid
a cale
ndar
year
$2
,300 d
educ
tible.
Ben
efits
from
High
Ded
uctib
le Pl
an F
will
not b
egin
until
out-o
f-poc
ket e
xpen
ses e
xcee
d $2,3
00. O
ut-of-
pock
et ex
pens
es fo
r this
dedu
ctible
are
expe
nses
that
would
ordin
arily
be pa
id by
the p
olicy
/certif
icate.
The
se ex
pens
es in
clude
the M
edica
re de
ducti
bles f
or P
ay A
and P
art B
, but
do no
t inclu
de th
e plan
’s se
para
te Fo
reign
Tra
vel E
merg
ency
dedu
ctible
.
14 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an F
and
Hig
h D
educ
tible
Pla
n F
Plan
F an
d Hi
gh D
educ
tible
Plan
F
Medi
care
Par
t B –
Medi
cal S
ervic
es p
er C
alend
ar Y
ear
*Onc
e you
have
been
bille
d $18
5 of M
edica
re A
ppro
ved a
moun
ts for
cove
red s
ervic
es, y
our M
edica
re P
art B
Ded
uctib
le wi
ll hav
e bee
n met
for th
e cale
ndar
year
.
Serv
ices
Medi
care
Pay
s Pl
an F
Pay
s Yo
u Pa
y
High
Ded
uctib
le Pl
an F
Pay
s (af
ter
you
pay $
2,300
De
duct
ible*
**
You
Pay
(In ad
ditio
n to
$2
,300
Dedu
ctib
le***)
Me
dica
l Exp
ense
s In
or ou
t of th
e hos
pital
and o
utpati
ent h
ospit
al tre
atmen
t, suc
h as P
hysic
ian’s
servi
ces,
inpati
ent a
nd
outpa
tient
medic
al an
d sur
gical
servi
ces a
nd su
pplie
s, ph
ysica
l and
spee
ch th
erap
y, dia
gnos
tic te
sts, d
urab
le me
dical
equip
ment
First
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
Gene
rally
80%
$185
Par
t B
Dedu
ctible
Ge
nera
lly 20
%
$0
$0
$185
Par
t B
Dedu
ctible
Ge
nera
lly 20
%
$0
$0
Part
B Ex
cess
Cha
rges
(abo
ve M
edica
re ap
prov
ed
amou
nts)
$0
100%
$0
10
0%
$0
Bloo
d Fir
st 3 p
ints
Next
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
$0
80%
All c
osts
$185
Par
t B
Dedu
ctible
20
%
$0
$0
$0
All c
osts
$185
Par
t B
Dedu
ctible
20
%
$0
$0
$0
Clin
ical L
abor
ator
y Ser
vices
– Te
sts fo
r Diag
nosti
c se
rvice
s 10
0%
$0
$0
$0
$0
***Hi
gh D
educ
tible
Plan
F pa
ys th
e sam
e ben
efits
as P
lan F
after
one h
as pa
id a c
alend
ar ye
ar $2
,300 d
educ
tible.
Ben
efits
from
High
Ded
uctib
le Pl
an F
will
not b
egin
until
out-o
f-poc
ket e
xpen
ses e
xcee
d $2,3
00. O
ut-of-
pock
et ex
pens
es fo
r this
dedu
ctible
are e
xpen
ses t
hat w
ould
ordin
arily
be pa
id by
the p
olicy
/certif
icate.
The
se
expe
nses
inclu
de th
e Med
icare
dedu
ctible
s for
Pay
A an
d Par
t B, b
ut do
not in
clude
the p
lan’s
sepa
rate
Fore
ign T
rave
l Eme
rgen
cy de
ducti
ble.
15 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9 Pl
an F
and
Hig
h D
educ
tible
Pla
n F
Plan
F an
d Hi
gh D
educ
tible
Plan
F
Parts
A &
B
Serv
ices
Medi
care
Pa
ys
Plan
F P
ays
You
Pay
High
Ded
uctib
le
Plan
F P
ays (
afte
r yo
u pa
y $2,3
00
Dedu
ctib
le***
You
Pay
(In ad
ditio
n to
$2,30
0 De
duct
ible*
**)
Hom
e Hea
lth C
are
Medic
are E
ligibl
e Ser
vices
-
Medic
ally n
eces
sary
skille
d car
e ser
vices
and
med
ical s
uppli
es
- Du
rable
med
ical e
quipm
ent. F
irst $
185 o
f
Med
icare
appr
oved
amou
nts*
- Re
maind
er of
Med
icare
appr
oved
amou
nts
100%
$0
80
%
$0
$185
Par
t B
Dedu
ctible
20
%
$0
$0
$0
$0
$185
Par
t B
Dedu
ctible
20
%
$0
$0
$0
Othe
r Ben
efits
Not
Cov
ered
by M
edica
re
Serv
ices
Medi
care
Pa
ys
Plan
F P
ays
You
Pay
High
Ded
uctib
le
Plan
F P
ays (
afte
r yo
u pa
y $2,3
00
Dedu
ctib
le***
You
Pay
(In ad
ditio
n to
$2,30
0 De
duct
ible*
**)
Fore
ign
Trav
el
Medic
ally n
eces
sary
emer
genc
y car
e ser
vices
be
ginnin
g dur
ing th
e firs
t 60 d
ays o
f eac
h trip
ou
tside
the U
SA.
First
$250
each
calen
dar y
ear
Rema
inder
of ch
arge
s
$0
$0
$0
80%
to a
lifetim
e ma
ximum
bene
fit of
$50,0
00.
$250
20
% an
d amo
unts
over
the $
50,00
0 life
time m
axim
um.
$0
80%
to a
lifetim
e ma
ximum
bene
fit of
$50,0
00.
$250
20
% an
d amo
unts
over
the $
50,00
0 life
time m
axim
um.
**High
Ded
uctib
le Pl
an F
pays
the s
ame b
enefi
ts as
Plan
F af
ter on
e has
paid
a cale
ndar
year
$2,30
0 ded
uctib
le. B
enefi
ts fro
m Hi
gh D
educ
tible
Plan
F w
ill no
t beg
in un
til ou
t-of-p
ocke
t exp
ense
s exc
eed $
2,300
. Out-
of-po
cket
expe
nses
for t
his de
ducti
ble ar
e exp
ense
s tha
t wou
ld or
dinar
ily be
paid
by th
e poli
cy/ce
rtifica
te. T
hese
ex
pens
es in
clude
the M
edica
re de
ducti
bles f
or P
ay A
and P
art B
, but
do no
t inclu
de th
e plan
’s se
para
te Fo
reign
Tra
vel E
merg
ency
dedu
ctible
.
16 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
Pl
an G
Plan
G
Medi
care
Par
t A –
Hosp
ital S
ervic
es P
er B
enef
it Pe
riod
*A be
nefit
perio
d beg
ins on
the f
irst d
ay yo
u rec
eive s
ervic
e as a
n inp
atien
t in a
hosp
ital a
nd en
ds af
ter yo
u hav
e bee
n out
of the
hosp
ital a
nd ha
ve no
t rec
eived
skille
d ca
re in
any o
ther f
acilit
y for
60 da
ys in
a ro
w.
Serv
ices
Medi
care
Pay
s Pl
an G
Pay
s Yo
u Pa
y Ho
spita
lizat
ion
Semi
priva
te ro
om an
d boa
rd, g
ener
al nu
rsing
and m
iscell
aneo
us
servi
ces a
nd su
pplie
s.
First
60 da
ys
All b
ut $1
,364
$1,36
4 Par
t A D
educ
tible
$0
61st t
hru 9
0th day
Al
l but
$341
a da
y $3
41 a
day
$0
91st d
ay an
d afte
r -
Whil
e usin
g 60 l
ifetim
e res
erve
days
-
Once
lifeti
me re
serve
days
are u
sed
Ad
dition
al 36
5 day
s
Beyo
nd th
e add
itiona
l 365
days
All b
ut $6
82 a
day
$0
$0
$682
a da
y 10
0% of
Med
icare
Elig
ible E
xpen
ses
$0
$0
$0**
All C
osts
Skille
d Nu
rsin
g Fa
cility
Car
e Yo
u mus
t mee
t Med
icare
’s re
quire
ments
, inclu
ding h
aving
been
in a
hosp
ital fo
r at le
ast 3
days
and e
ntere
d a M
edica
re ap
prov
ed fa
cility
wi
thin 3
0 day
s afte
r leav
ing th
e hos
pital.
First
20 da
ys
21st t
hru 1
00 da
ys
101st d
ay an
d afte
r
All a
ppro
ved a
moun
ts Al
l but
$170
.50 a
day
$0
$0
Up to
$170
.50 a
day
$0
$0
$0
All C
osts
Bloo
d Fir
st 3 p
ints
Addit
ional
amou
nts
$0
100%
3 pint
s $0
$0
$0
Hosp
ice C
are
You m
ust m
eet M
edica
re’s
requ
ireme
nts, in
cludin
g a do
ctor’s
ce
rtifica
tion o
f term
inal il
lness
.
All b
ut ve
ry lim
ited
copa
ymen
t/coin
sura
nce
for ou
tpatie
nt dr
ugs a
nd
inpati
ent r
espit
e car
e.
Medic
are c
opay
ment/
coins
uran
ce
$0
**Whe
n you
r Med
icare
Par
t A ho
spita
l ben
efits
are e
xhau
sted,
the in
sure
r stan
ds in
the p
lace o
f Med
icare
and w
ill pa
y wha
tever
amou
nt Me
dicar
e wou
ld ha
ve pa
id for
up
to an
addit
ional
365 d
ays a
s pro
vided
in th
e poli
cy’s
“Cor
e Ben
efits.
” Dur
ing th
is tim
e, the
hosp
ital is
proh
ibited
from
billin
g you
for t
he ba
lance
base
d on a
ny di
ffere
nce
betw
een i
ts bil
led ch
arge
s and
the a
moun
t Med
icare
wou
ld ha
ve pa
id.
17 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
Pl
an G
Plan
G
Medi
care
Par
t B –
Medi
cal S
ervic
es p
er C
alend
ar Y
ear
*Onc
e you
have
been
bille
d $18
5 of M
edica
re ap
prov
ed am
ounts
for c
over
ed se
rvice
s, yo
ur M
edica
re P
art B
Ded
uctib
le wi
ll hav
e bee
n met
for th
e cale
ndar
year
. Se
rvice
s Me
dica
re P
ays
Plan
G P
ays
You
Pay
Medi
cal E
xpen
ses
In or
out o
f the h
ospit
al an
d outp
atien
t hos
pital
treatm
ent, s
uch a
s Ph
ysici
an’s
servi
ces,
inpati
ent a
nd ou
tpatie
nt me
dical
and s
urgic
al se
rvice
s an
d sup
plies
, phy
sical
and s
peec
h the
rapy
, diag
nosti
c tes
ts, du
rable
me
dical
equip
ment
First
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
Gene
rally
80%
$0
Ge
nera
lly 20
%
$185
Par
t B D
educ
tible
$0
Part
B Ex
cess
Cha
rges
(abo
ve M
edica
re ap
prov
ed am
ounts
) $0
10
0%
$0
Bloo
d Fir
st 3 p
ints
Next
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
$0
80%
All c
osts
$0
20%
$0
$185
Par
t B D
educ
tible
$0
Cl
inica
l Lab
orat
ory S
ervic
es –
Tests
for D
iagno
stic s
ervic
es
100%
$0
$0
Parts
A &
B
Serv
ices
Medi
care
Pay
s Pl
an G
Pay
s Yo
u Pa
y Ho
me H
ealth
Car
e Me
dicar
e Elig
ible S
ervic
es
- Me
dicall
y nec
essa
ry sk
illed c
are s
ervic
es an
d med
ical s
uppli
es
- Du
rable
med
ical e
quipm
ent. F
irst $
185 o
f Med
icare
appr
oved
amou
nts*
- Re
maind
er of
Med
icare
appr
oved
amou
nts
100%
$0
80
%
$0
$0
20%
$0
$185
Par
t B D
educ
tible
$0
18 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
Pl
an G
Plan
G
Othe
r Ben
efits
Not
Cov
ered
by M
edica
re
Serv
ices
Medi
care
Pay
s Pl
an G
Pay
s Yo
u Pa
y Fo
reig
n Tr
avel
Me
dicall
y nec
essa
ry em
erge
ncy c
are s
ervic
es be
ginnin
g dur
ing th
e firs
t 60
days
of ea
ch tr
ip ou
tside
the U
SA.
First
$250
each
calen
dar y
ear
Rema
inder
of C
harg
es
$0
$0
$0
80%
to a
lifetim
e max
imum
be
nefit
of $5
0,000
.
$250
20
% an
d amo
unts
over
the
$50,0
00 lif
etime
max
imum
.
19 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
Pl
an N
Plan
N
Medi
care
Par
t A –
Hosp
ital S
ervic
es P
er B
enef
it Pe
riod
*A be
nefit
perio
d beg
ins on
the f
irst d
ay yo
u rec
eive s
ervic
e as a
n inp
atien
t in a
hosp
ital a
nd en
ds af
ter yo
u hav
e bee
n out
of the
hosp
ital a
nd ha
ve no
t rec
eived
skille
d ca
re in
any o
ther f
acilit
y for
60 da
ys in
a ro
w.
Serv
ices
Medi
care
Pay
s Pl
an N
Pay
s Yo
u Pa
y Ho
spita
lizat
ion
Semi
priva
te ro
om an
d boa
rd, g
ener
al nu
rsing
and m
iscell
aneo
us
servi
ces a
nd su
pplie
s.
First
60 da
ys
All b
ut $1
,364
$1,36
4 Par
t A D
educ
tible
$0
61st t
hru 9
0th day
Al
l but
$341
a da
y $3
41 a
day
$0
91st d
ay an
d afte
r -
Whil
e usin
g 60 l
ifetim
e res
erve
days
-
Once
lifeti
me re
serve
days
are u
sed
Ad
dition
al 36
5 day
s
Beyo
nd th
e add
itiona
l 365
days
All b
ut $6
82 a
day
$0
$0
$682
a da
y 10
0% of
Med
icare
Elig
ible E
xpen
ses
$0
$0
$0**
All C
osts
Skille
d Nu
rsin
g Fa
cility
Car
e Yo
u mus
t mee
t Med
icare
’s re
quire
ments
, inclu
ding h
aving
been
in
a hos
pital
for at
leas
t 3 da
ys an
d ente
red a
Med
icare
appr
oved
fac
ility w
ithin
30 da
ys af
ter le
aving
the h
ospit
al.
First
20 da
ys
21st t
hru 1
00 da
ys
101st d
ay an
d afte
r
All a
ppro
ved a
moun
ts Al
l but
$170
.50 a
day
$0
$0
$Up t
o $17
0.50 a
day
$0
$0
$0
All C
osts
Bloo
d Fir
st 3 p
ints
Addit
ional
amou
nts
$0
100%
3 pint
s $0
$0
$0
Hosp
ice C
are
You m
ust m
eet M
edica
re’s
requ
ireme
nts, in
cludin
g a do
ctor’s
ce
rtifica
tion o
f term
inal il
lness
.
All b
ut ve
ry lim
ited
copa
ymen
t/coin
sura
nce
for ou
tpatie
nt dr
ugs a
nd
inpati
ent r
espit
e car
e.
Medic
are c
opay
ment/
coins
uran
ce
$0
**Whe
n you
r Med
icare
Par
t A ho
spita
l ben
efits
are e
xhau
sted,
the in
sure
r stan
ds in
the p
lace o
f Med
icare
and w
ill pa
y wha
tever
amou
nt Me
dicar
e wou
ld ha
ve pa
id for
up
to an
addit
ional
365 d
ays a
s pro
vided
in th
e poli
cy’s
“Cor
e Ben
efits.
” Dur
ing th
is tim
e, the
hosp
ital is
proh
ibited
from
billin
g you
for t
he ba
lance
base
d on a
ny di
ffere
nce
betw
een i
ts bil
led ch
arge
s and
the a
moun
t Med
icare
wou
ld ha
ve pa
id.
20 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
Pl
an N
Plan
N
Medi
care
Par
t B –
Medi
cal S
ervic
es p
er C
alend
ar Y
ear
*Onc
e you
have
been
bille
d $18
5 of M
edica
re A
ppro
ved a
moun
ts for
cove
red s
ervic
es, y
our M
edica
re P
art B
Ded
uctib
le wi
ll hav
e bee
n met
for th
e cale
ndar
year
. Se
rvice
s Me
dica
re P
ays
Plan
N P
ays
You
Pay
Medi
cal E
xpen
ses
In or
out o
f the h
ospit
al an
d outp
atien
t hos
pital
treatm
ent, s
uch a
s Phy
sician
’s se
rvice
s, inp
atien
t and
outpa
tient
medic
al an
d sur
gical
servi
ces a
nd su
pplie
s, ph
ysica
l and
spee
ch th
erap
y, dia
gnos
tic te
sts, d
urab
le me
dical
equip
ment
First
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
Gene
rally
80%
$0
Ba
lance
, othe
r tha
n up t
o $2
0 per
offic
e visi
t and
up to
$5
0 per
emer
genc
y roo
m vis
it. Th
e cop
ayme
nt of
up
to $5
0 is w
aived
if the
ins
ured
is ad
mitte
d to a
ny
hosp
ital a
nd th
e eme
rgen
cy
visit i
s cov
ered
as a
Medic
are P
art A
expe
nse.
$185
Par
t B D
educ
tible
Up to
$20 p
er of
fice v
isit
and u
p to $
50 pe
r em
erge
ncy r
oom
visit.
The
copa
ymen
t of u
p to $
50 is
wa
ived i
f the i
nsur
ed is
ad
mitte
d to a
ny ho
spita
l an
d the
emer
genc
y visi
t is
cove
red a
s a M
edica
re
Part
A ex
pens
e. Pa
rt B
Exce
ss C
harg
es (a
bove
Med
icare
appr
oved
amou
nts)
$0
$0
All c
osts
Bloo
d Fir
st 3 p
ints
Next
$185
of M
edica
re ap
prov
ed am
ounts
* Re
maind
er of
Med
icare
appr
oved
amou
nts
$0
$0
80%
All c
osts
$0
20%
$0
$185
Par
t B D
educ
tible
$0
Clin
ical L
abor
ator
y Ser
vices
– Te
sts fo
r diag
nosti
c ser
vices
10
0%
$0
$0
Parts
A &
B
Serv
ices
Medi
care
Pay
s Pl
an N
Pay
s Yo
u Pa
y Ho
me H
ealth
Car
e Me
dicar
e Elig
ible S
ervic
es
- Me
dicall
y nec
essa
ry sk
illed c
are s
ervic
es an
d med
ical s
uppli
es
- Du
rable
med
ical e
quipm
ent. F
irst $
185 o
f Med
icare
appr
oved
amou
nts
- Re
maind
er of
Med
icare
appr
oved
amou
nts
100%
$0
80
%
$0
$0
20%
$0
$185
Par
t B D
educ
tible
$0
21 of
22
AMER
ICO
FINA
NCIA
L LI
FE A
ND A
NNUI
TY IN
SURA
NCE
COMP
ANY
Outli
ne o
f Cov
erag
e Me
dica
re S
uppl
emen
t Ben
efit
Plan
s A, B
, F, H
igh
Dedu
ctib
le F,
G, a
nd N
.
APA5
00-O
C (0
9/18
)
Effe
ctiv
e: 0
1/01
/201
9
Pl
an N
Plan
N
Othe
r Ben
efits
Not
Cov
ered
by M
edica
re
Serv
ices
Medi
care
Pay
s Pl
an N
Pay
s Yo
u Pa
y Fo
reig
n Tr
avel
Medic
ally n
eces
sary
emer
genc
y car
e ser
vices
begin
ning d
uring
the f
irst 6
0 day
s of
each
trip
outsi
de th
e USA
. Fir
st $2
50 ea
ch ca
lenda
r yea
r Re
maind
er of
char
ges
$0
$0
$0
80%
to a
lifetim
e max
imum
be
nefit
of $5
0,000
.
$250
20
% an
d amo
unts
over
the
$50,0
00 lif
etime
max
imum
.
22 of
22