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Title 3 . Commerce, Community, and Economic Development
Chapter 28 . Miscellaneous
Section 490. Required disclosure provisions

3 AAC 28.490. Required disclosure provisions

(a) Medicare supplement policies and certificates must include a renewal or continuation provision. The language or specifications of the provisions must be consistent with the type of contract issued. The provisions must be appropriately captioned, must appear on the first page of the policy, and must include any reservation by the issuer of the right to change premiums and any automatic renewal premium increases based on the policyholder's age.

(b) Except for riders or endorsements by which the issuer fulfills a request made in writing by the insured, exercises a specifically reserved right under a medicare supplement policy, or is required to reduce or eliminate benefits to avoid duplication of medicare benefits, all riders or endorsements added to a medicare supplement policy after the date of issue or at reinstatement or renewal that reduce or eliminate benefits or coverage in the policy must require a signed acceptance by the insured. After the date of a policy or certificate issue, a rider or an endorsement that increases benefits or coverage with a concomitant increase in premium during the policy term must be agreed to in writing and signed by the insured, unless the benefits are required by the minimum standards for medicare supplement policies or if the increased benefits or coverage are required by law. If a separate additional premium is charged for benefits provided in connection with a rider or an endorsement, the premium charge must be set out in the policy.

(c) A medicare supplement policy or certificate may not provide for the payment of benefits based on standards described as "usual and customary," "reasonable and customary," or words of similar import.

(d) If a medicare supplement policy or certificate contains a limitation with respect to a preexisting condition, the limitation must appear as a separate paragraph of the policy and be labeled "preexisting condition limitation."

(e) A medicare supplement policy or certificate must have a notice prominently printed on the first page of the policy or certificate or attached to it stating in substance that the policyholder or certificate holder shall have the right to return the policy or certificate within 30 days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the insured person is not satisfied for any reason.

(f) An issuer of accident and sickness policies or certificates that provide hospital or medical expense coverage on an expense incurred or indemnity basis to a person eligible for medicare must provide to the applicant a guide to health insurance for people with medicare in the form developed jointly by the National Association of Insurance Commissioners and the Center for Medicare and Medicaid Services and in a type size no smaller than 12-point type. Delivery of the guide must be made regardless of whether the policies or certificates are advertised, solicited, or issued as medicare supplement policies or certificates under 3 AAC 28.410 - 3 AAC 28.510. Except for a direct response issuer, delivery of the guide must be made to the applicant at the time of application and acknowledgment of receipt of the guide must be obtained by the issuer. A direct response issuer shall deliver the guide to the applicant upon request, but not later than at the time the policy is delivered.

(g) As soon as practicable, but not later than 30 days before the annual effective date of a medicare benefit change, an issuer shall notify its policyholders and certificate holders of modifications that the issuer has made to medicare supplement insurance policies or certificates in a format acceptable to the director. The notice shall

(1) include a description of revisions to the medicare program and a description of each modification made to the coverage provided under the medicare supplement policy or certificate; and

(2) inform the policyholder or certificate holder when a premium adjustment is to be made due to changes in medicare.

(h) The notice of benefit modifications and premium adjustments must be in outline format, in clear and simple terms, to facilitate comprehension.

(i) The notice may not contain or be accompanied by any solicitation.

(j) An issuer shall provide an outline of coverage to an applicant at the time the application is presented to the prospective applicant and, except for direct response policies, shall obtain an acknowledgment of receipt of the outline from the applicant.

(k) If an outline of coverage is provided at the time of application and the medicare supplement policy or certificate is issued on a basis that would require revision of the outline, a substitute outline of coverage properly describing the policy or certificate must accompany the policy or certificate when it is delivered and contain the following statement, in no smaller than 12-point type, immediately above the company name:

"NOTICE: Read this outline of coverage carefully. It is not identical to the outline of coverage provided upon application and the coverage originally applied for has not been issued."

( l ) The outline of coverage provided to an applicant under this section consists of four parts: a cover page, premium information, disclosure pages, and charts displaying the features of each benefit plan offered by the issuer. The outline of coverage must be in the language and format set out below in no smaller than 12-point type. Plans "A" - "L" must be shown on the cover page and the plans offered by the issuer must be prominently identified. Premium information for plans that are offered must be shown on the cover page or immediately following the cover page and must be prominently displayed. The premium and mode must be stated for each plan that is offered to the prospective applicant. Each possible premium for the prospective applicant must be illustrated.

(m) As provided in 42 U.S.C. 1395e(b)(2) (sec. 1813(b)(2) of the Social Security Act), the dollar amount of the inpatient hospital deductible and all coinsurance amounts for plans "A" - "L" are determined annually by the secretary between September 1 and September 15 of the year preceding the year to which they will apply. As provided in 42 U.S.C. 1395 l (b) and 1395r(a)(1) (secs. 1833(b) and 1839(a)(1) of the Social Security Act), the dollar amount of the medicare Part B deductible for plans "A" - "L" are determined annually by the secretary. Once determined, the figures are published in the Federal Register and may be obtained from the division.

(n) For the purposes of this section, "form" means the language, format, type size, type proportional spacing, bold character, and line spacing.

(o) Repealed 9/4/2005.

(p) An issuer shall comply with the notice requirements of P.L. 108 - 173 (Medicare Prescription Drug, Improvement, and Modernization Act of 2003).

(q) The following items must be included in the outline of coverage in the order set out in this section.

[COMPANY NAME]

Outline of Medicare Supplement Coverage - Cover Page: 1 of 2

Benefit Plans ____________ [insert letters of plans being offered]

These charts show the benefits included in each of the standard medicare supplement plans. Every company must make available plan "A." Some plans may not be available in your state. See Outline of Coverage for details about ALL plans. Basic Benefits for Plans A - J: Hospitalization: Part A coinsurance plus coverage for 365 additional days after medicare benefits end. Medical Expenses: Part B coinsurance (generally 20% of medicare-approved expenses) or copayments for hospital outpatient services. Blood: First three pints of blood each year.

CLICK TO VIEW FORM

*Plans F and J also have an option called a high deductible plan F and a high deductible plan J. These high deductible plans pay the same benefits as plans F and J after one has paid a calendar year [#] deductible. Benefits from high deductible plans F and J will not begin until out-of-pocket expenses exceed [#]. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the medicare deductibles for Part A and Part B, but do not include the plan's separate foreign travel emergency deductible.

[/f# The dollar amount to be inserted is determined annually, as described in 3 AAC 28.455(e) (7)(C) and (12)(C) and may be obtained from the division.]

PREMIUM INFORMATION [Boldface Type]

We [insert issuer's name] can only raise your premium if we raise the premium for all policies like yours in this state. [If the premium is based on the increasing age of the insured, include information specifying when premiums will change.]

DISCLOSURES [Boldface Type]

Use this outline to compare benefits and premiums among policies.

READ YOUR POLICY VERY CAREFULLY [Boldface Type]

This is only an outline describing your policy's most important features. The policy is your insurance contract. You must read the policy itself to understand all of the rights and duties of both you and your insurance company.

RIGHT TO RETURN POLICY [Boldface Type]

If you find that you are not satisfied with your policy, you may return it to [insert issuer's address] . If you send the policy back to us within 30 days after you receive it, we will treat the policy as if it had never been issued and return all of your payments.

POLICY REPLACEMENT [Boldface Type]

If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new policy and are sure you want to keep it.

NOTICE [Boldface Type]

This policy may not fully cover all of your medical costs.

A. [for agents]:

Neither [insert company's name] nor its agents are connected with medicare.

B. [for direct response]:

[Insert company's name] is not connected with medicare.

This outline of coverage does not give all the details of medicare coverage. Contact your local Social Security Office or consult Medicare and You for more details.

COMPLETE ANSWERS ARE VERY IMPORTANT

[Boldface Type]

When you fill out the application for the new policy, be sure to answer truthfully and completely all questions about your medical and health history. The company may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information. [If the policy or certificate is guaranteed issue, this paragraph need not appear.]

Review the application carefully before you sign it. Be certain that all information has been properly recorded.

[Include for each plan prominently identified in the cover page, a chart showing the services, medicare payments, plan payments, and insured payments for each plan, using the same language, in the same order, using uniform layout and format as shown in the charts below. No more than four plans may be shown on one chart. For purposes of illustration, charts for each plan are included in this regulation. An issuer may use additional benefit plan designations on these charts set out in 3 AAC 28.455(d) .]

[Include an explanation of any innovative benefits on the cover page and in the chart, in a manner approved by the director.]

PLAN A

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITALI- ZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $0 $[ + ] (Part A deductible) 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day $0 Up to $[ + ] a day 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN A (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

*Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $0 $[+] (Part B deductible) Remainder of medi- Generally 80% Generally 20% $0 care-approved amounts Part B Excess Charges (Above medicare-approve d amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[+ The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN A (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts 80% 20% $0

[+ The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN B

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITALI- ZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day $0 Up to $[ + ] a day 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance

[+ The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provieded in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN B (continued)

MEDICARE (PART B) - MEDICARE SERVICES - PER CALENDAR YEAR

*Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICARE EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above medicare-approve d amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN B (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-appro ved amounts 80% 20% $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN C

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITAL- IZATION* Semiprivate room and board, general running and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day $0 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN C (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

*Once you have been billed $ [ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above medicare-approve d amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[+ The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN C (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts * $0 $[ + ] (Part B deductible) $0 Remainder of medicare-appro ved amounts 80% 20% $0

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of $0 80% to a lifetime 20% and amounts charges maximum benefit over the $50,000 of $50,000 lifetime maximum

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN D

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITAL- IZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day $0 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as All but very limited your doctor certifies coinsurance for you are terminally outpatient drugs ill and you elect to and inpatient res- receive these services pite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN D (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

*Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physicians services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 279 Part B Excess Charges (Above medicare-appro ved amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN D (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-appro ved amounts 80% 20% $0 279 HOME HEALTH CARE (cont'd) AT HOME RECOVERY SERVICES - NOT COVERED BY MEDICARE Home care certified by your doctor, for personal care during recovery from an injury or sickness for which medicare approved a home care treatment plan - Benefit for each visit $0 Actual Changes to $40 a visit Balance - Number of visits covered (Must be received within 8 Up to the number of weeks of last medicare-appr oved medicare-appro ved visits, not to ex- visit) $0 ceed 7 each week - Calendar year maximum $0 $1,600

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN D (continued)

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of $0 80% to a lifetime 20% and amounts charges maximum benefit of over the $50,000 $50,000 lifetime maximum

PLAN E

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITAL- IZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 Days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day $0 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN E (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

*Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above medicare-approve d amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN E (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-appro ved amounts 80% 20% $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

*Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare .

PLAN E (continued)

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum *PREVENTIVE MEDICAL CARE BENEFIT - NOT COVERED BY MEDICARE Some annual physical and preventive tests and services administered or ordered by your doctor when not covered by medicare First $120 each calendar year $0 $120 $0 Additional charges $0 $0 All Costs

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

*Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare .

[Indicate Plan F or High Deductible Plan F, depending on which plan is offered: PLAN F or HIGH DEDUCTIBLE PLAN F ]

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

[Language for High Deductible Plan F, if offered: **This high deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $[ # ] deductible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $[ # ]. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

    

    

[Language [Language for High for High Deductible Deductible Plan F, if Plan F, if offered: offered: AFTER YOU PAY IN ADDITION TO $[ # ] $[ # ] DEDUCTIBLE,**] DEDUCTIBLE,**] SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITAL- IZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0*** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day $0 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted is determined annually, as described in 3 AAC 28.455(e) (7)(C) and (12)(C) and may be obtained from the division.]

***NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

[Indicate Plan F or High Deductible Plan F, depending on which plan is offered: PLAN F or HIGH DEDUCTIBLE PLAN F (continued)]

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

*Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

[Language for High Deductible Plan F, if offered: **This high deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $[ # ] deductible. Benefits from the high deductible Plan F will not begin until out-of-pocket expenses are $[ # ]. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the medicare deductible for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.]

    

    

[Language [Language for High Dedubtible Deductible Plan F, if Plan F, if offered: offered: AFTER YOU PAY IN ADDITION TO $[ # ] $[ # ] DEDUCTIBLE,**] DEDUCTIBLE,**] SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above medicare-approve d amounts) $0 100% 0 BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-approve d amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted is determined annually, as described in 3 AAC 28.445(e)(7)(C) and (12)(C) and may be obtained from the division.]

[Indicate Plan F or High Deductible Plan F, depending on which plan is offered: PLAN F or HIGH DEDUCTIBLE PLAN F (continued)]

PARTS A & B

    

    

[Language [Language for High for High Deductible Deductible Plan F, if Plan F, if offered: offered: AFTER YOU PAY IN ADDITION TO $[ # ] $[ # ] DEDUCTIBLE,**] DEDUCTIBLE,**] SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-appro ved amounts 80% 20% $0

[Indicate Plan F or High Deductible Plan F, depending on which plan is offered: PLAN F or HIGH DEDUCTIBLE PLAN F (continued)]

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

[Language [Language for High for High Deductible Deductible Plan F, if Plan F, if offered: offered: AFTER YOU PAY IN ADDITION TO $[ # ] $[ # ] DEDUCTIBLE,**] DEDUCTIBLE,**] SERVICES MEDICARE PAYS PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted is determined annually, as described in 3 AAC 28.445(e)(7)(C) and (12)(C) and may be obtained from the division.]

PLAN G

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITAL- IZATION * Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 $0 100% of medicare $0** days eligible expenses - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE * You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day $0 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as All but very limited your doctor certifies coinsurance for you are terminally outpatient drugs ill and you elect and inpatient to receive these services respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN G (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

*Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above medicare-approve d amounts) $0 80% 20% BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN G (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appr oved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-appr oved amounts 80% 20% $0 HOME HEALTH CARE (cont'd) AT-HOME RECOVERY SERVICES - NOT COVERED BY MEDICARE Home care certified by your doctor, for personal care during recovery from an injury or sickness for which medicare approved a home care treatment plan - Benefit for each $0 Actual Charges to Balance visit $40 a visit - Number of visits covered (must be received within 8 weeks of last medicare approved visit) $0 Up to the number of medicare-appr oved visits, not to exceed 7 each week - Calendar year maximum $0 $1,600

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN G (continued)

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of $0 80% to a lifetime 20% and amounts charges maximum benefit of $50,000 over the $50,000 lifetime maximum

PLAN H

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITAL- IZATION * Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 $0 100% of medicare $0** days eligible expenses - Beyond the Additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE * You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day $0 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as All but very limited your doctor certifies coinsurance for you are terminally outpatient drugs ill and you elect and inpatient to receive these services respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN H (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

* Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above medicare-approve d amounts) $0 $0 All costs BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN H (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-appro ved amounts 80% 20% $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN H (continued)

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime maxi- 20% and amounts over mum benefit of $50,000 the $50,000 lifetime maximum

PLAN I

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing, and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day $0 101st day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

**NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN I (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

*Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B Excess Charges (Above medicare-approve d amounts) $0 100% $0 BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN I (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $0 $[ + ] (Part B deductible) Remainder of medicare-appro ved amounts 80% 20% $0 HOME HEALTH CARE (cont'd) AT-HOME RECOVERY SERVICES - NOT COVERED BY MEDICARE Home care certified by your doctor, for personal care during recovery from an injury or sickness for which medicare-approved a home care treatment plan - Benefit for each visit $0 Actual charges to $40 a visit Balance - Number of visits covered (Must be received within 8 weeks of last medicare-approve d visit) $0 Up to the number of medicare-appr oved visits, not to exceed 7 each week - Calendar year maximum $0 $1,600

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

PLAN I (continued)

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum

[Indicate Plan J or High Deductible Plan J, depending on which plan is offered: PLAN J OR HIGH DEDUCTIBLE PLAN J]

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

[Language for High Deductible Plan J, if offered: **This high deductible plan pays the same or offers the same benefits as Plan J after one has paid a calendar year $[ # ] deductible. Benefits from high deductible plan J will not begin until out-of-pocket expenses are $[ # ]. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

    

    

[Language [Language for High for High Deductible Deductible Plan J, if Plan J, if offered: offered: AFTER YOU PAY IN ADDITION TO $[ # ] $[ # ] DEDUCTIBLE,**] DEDUCTIBLE,**] SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOSPITALIZATION* Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (Part A deductible) $0 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0*** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE* You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day up to $[ + ] a day $0 101th day and after $0 $0 All costs BLOOD First 3 pints $0 3 pints $0 Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted is determined annually, as described in 3 AAC 28.455(e) (7)(C) and (12)(C) and may be obtained from the division.]

***NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

[Indicate Plan J or High Deductible Plan J, depending on which plan is offered: PLAN J or HIGH DEDUCTIBLE PLAN J (continued)]

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

* Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

[Language for High Deductible Plan J, if offered: **This high deductible plan pays the same or offers the same benefits as Plan J after one had paid a calendar year $[ # ] deductible. Benefits from high deductible Plan J will not begin until out-of-pocket expenses are $[ # ]. Out-of-pocket expenses for the deductible are expenses that would ordinarily be paid by the policy. This includes the medicare deductible for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

    

    

[Language [Language for High for High Deductible Deductible Plan J, if Plan J, if offered: offered: AFTER YOU PAY IN ADDITION TO $[ # ] $[ # ] DEDUCTIBLE,**] DEDUCTIBLE,**] SERVICES MEDICARE PAYS PLAN PAYS YOU PAY MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-approve d amounts Generally 80% Generally 20% $0 Part B excess charges (above medicare-approve d amounts) $0 100% $0 BLOOD First 3 pints $0 All costs $0 Next $[ + ] of medicare-approved amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-approved amounts 80% 20% $0 CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted is determined annually, as described in 3 AAC 28.455(e) (7)(C) and (12)(C) and may be obtained from the division.]

[Indicate Plan J or High Deductible Plan J, depending on which plan is offered: PLAN J or HIGH DEDUCTIBLE PLAN J (continued)

PARTS A & B

    

    

[Language [Language for High for High Deductible Deductible Plan J, if Plan J, if offered: offered: AFTER YOU PAY IN ADDITION TO $[ # ] $[ # ] DEDUCTIBLE,**] DEDUCTIBLE,**] SERVICES MEDICARE PAYS PLAN PAYS YOU PAY HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-appro ved amounts* $0 $[ + ] (Part B deductible) $0 Remainder of medicare-appro ved amounts 80% 20% $0 HOME HEALTH CARE (cont'd) AT-HOME RECOVERY SERVICES - NOT COVERED BY MEDICARE Home care certified by your doctor, for personal care during recovery from an injury or sickness for which medicare approved a home care treatment plan - Benefit for each visit $0 Actual charges to $40 a visit Balance - Number of visits covered (Must be received within 8 weeks of last medicare-approve d visit) $0 Up to the number of medicare-appr oved visits, not to exceed 7 each week - Calendar year maximum $0 $1,600

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted is determined annually, as described in 3 AAC 28.455(e) (7)(C) and (12)(C) and may be obtained from the division.]

[Indicate Plan J or High Deductible Plan J, depending on which plan is offered: PLAN J or HIGH DEDUCTIBLE PLAN J (continued)

OTHER BENEFITS - NOT COVERED BY MEDICARE

    

    

SERVICES MEDICARE PAYS [Language [Language for High for High Deductible Deductible Plan J, if Plan J, if offered: offered: PLAN PAYS YOU PAY FOREIGN TRAVEL - NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year $0 $0 $250 Remainder of charges $0 80% to a lifetime maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum ***PREVENTIVE MEDICAL CARE BENEFIT - NOT COVERED BY MEDICARE Some annual physical and preventive tests and services administered or ordered by your doctor when not covered by medicare First $120 each calendar year $0 $120 $0 Additional charges $0 $0 All costs

[ # The dollar amount to be inserted is determined annually, as described in 3 AAC 28.455(e) (7)(C) and (12)(C) and may be obtained from the division.]

***Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare.

PLAN K

*You will pay one-fourth of the cost-sharing of some covered services until you reach the annual out-of-pocket limit of $[ # ] each calendar year. The amounts that count toward your annual limit are noted with diamonds (øib) in the chart below. Once you reach the annual limit, the plan pays 100% of your medicare copayment and coinsurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed medicare-approved amounts (these are called "Excess Charges") and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by medicare for the item or service.

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

**A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY* HOSPITALI- ZATION** Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (50% of Part A deductible) $[ + ] (50% of Part A deductible) øib 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0*** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE** You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day Up to $[ + ] a day øib 101st day and after $0 $0 All costs BLOOD First 3 pints $0 50% 50% øib Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services Generally most medicare eligible expenses for outpatient drugs and inpatient respite care 50% of coinsurance or copayments 50% of coinsurance or copayments øib

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted here is determined annually, as described in 3 AAC 453(e)(10), and may be obtained from the division.]

***NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN K (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

****Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY* MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts**** $0 $0 $[ + ] (Part B deductible)**** øib Preventive Benefits for medicare covered services Generally 75% or more of medicare-appr oved amounts Remainder of medicare-appr oved amounts All costs above medicare-approv ed amounts Remainder of medi- Generally 80% Generally 10% Generally 10% øib care-approved amounts Part B Excess Charges (Above medicare-approve d amounts) $0 $0 All costs (and they do not count toward annual out-of-pocket limit of $[ # ]) BLOOD First 3 pints $0 50% 50% øib Next $[ + ] of medicare-approved amounts**** $0 $0 $[ + ] (Part B deductible)**** øib Remainder of medicare-approved amounts Generally 80% Generally 10% Generally 10% øib CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted here is determined annually, as described in 3 AAC 453(e)(10), and may be obtained from the division.]

*This plan limits your annual out-of-pocket payments for medicare-approved amounts of $[ # ] per year. However, this limit does NOT include charges from your provider that exceed medicare-approved amounts (these are called "Excess Charges") and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by medicare for the item or service.

PLAN K (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY* HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-approve d amounts***** $0 $0 $[ + ] (Part B deductible) øib Remainder of medicare-approve d amounts 80% 10% 10% øib

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

*****Medicare benefits are subject to change. Please consult the lastest Guide to Health Insurance for People with Medicare .

PLAN L

*You will pay one-fourth of the cost-sharing of some covered services until you reach the annual out-of-pocket limit of $[ # ] each calendar year. The amounts that count toward your annual limit are noted with diamonds (øib) in the chart below. Once you reach the annual limit, the plan pays 100% of your medicare copayment and coinsurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed medicare-approved amounts (these are called "Excess Charges") and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by medicare for the item or service.

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

**A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY* HOSPITALI- ZATION** Semiprivate room and board, general nursing and miscellaneous services and supplies First 60 days All but $[ + ] $[ + ] (75% of Part A deductible) $[ + ] (25% of Part A deductible) øib 61st - 90th day All but $[ + ] a day $[ + ] a day $0 91st day and after: - While using 60 lifetime reserve days All but $[ + ] a day $[ + ] a day $0 - Once lifetime reserve days are used: - Additional 365 days $0 100% of medicare eligible expenses $0*** - Beyond the additional 365 days $0 $0 All costs SKILLED NURSING FACILITY CARE** You must meet medicare's requirements, including having been in a hospital for at least 3 days and entered a medicare-approved facility within 30 days after leaving the hospital First 20 days All approved amounts $0 $0 21st - 100th day All but $[ + ] a day Up to $[ + ] a day Up to $[ + ] a day øib 101st day and after $0 $0 All costs BLOOD First 3 pints $0 75% 25% øib Additional amounts 100% $0 $0 HOSPICE CARE Available as long as your doctor certifies you are terminally ill and you elect to receive these services Generally most medicare eligible expenses for outpatient drugs and inpatient respite care 75% of coinsurance or copayments 25% of coinsurance or copayments øib

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted here is determined annually, as described in 3 AAC 453(f)(3), and may be obtained from the division.]

***NOTICE: When your medicare Part A hospital benefits are exhausted, the insurer stands in place of medicare and will pay whatever amount medicare would have paid for up to an additional 365 days as provided in the policy's "Core Benefits." During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount medicare would have paid.

PLAN L (continued)

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

****Once you have been billed $[ + ] of medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY* MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $[ + ] of medicare-approve d amounts**** $0 $0 $[ + ] (Part B deductible)**** øib Preventive Benefits for medicare covered services Generally 75% or more of medicare-appr oved amounts Remainder of medicare-appr oved amounts All costs above medicare-approv ed amounts Remainder of medi- Generally 80% Generally 15% Generally 5% øib care-approved amounts Part B Excess Charges (Above medicare-approve d amounts) $0 80% All costs (and they do not count toward annual out-of-pocket limit of $[ # ]) BLOOD First 3 pints $0 75% 25% øib Next $[ + ] of medicare-approved amounts**** $0 $0 $[ + ] (Part B deductible)**** øib Remainder of medicare-approved amounts Generally 80% Generally 15% Generally 5% øib CLINICAL LABORATORY SERVICES - TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

[ # The dollar amount to be inserted here is determined annually, as described in 3 AAC 453(f)(3), and may be obtained from the division.]

*This plan limits your annual out-of-pocket payments for medicare-approved amounts of $[ # ] per year. However, this limit does NOT include charges from your provider that exceed medicare-approved amounts (these are called "Excess Charges") and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by medicare form the item or service.

PLAN L (continued)

PARTS A & B

    

    

SERVICES MEDICARE PAYS PLAN PAYS YOU PAY* HOME HEALTH CARE MEDICARE-APPROVED SERVICES - Medically necessary skilled care services and medical supplies 100% $0 $0 - Durable medical equipment First $[ + ] of medicare-approve d amounts***** $0 $0 $[ + ] (Part B deductible) øib Remainder of medicare-approve d amounts 80% 15% 5% øib

[ + The dollar amount to be inserted here is determined annually, as described in (m) of this section, and may be obtained from the division.]

*****Medicare benefits are subject to change. Please consult the latest Guide to Health Insurance for People with Medicare .

History: Eff. 3/26/82, Register 81; am 8/8/90, Register 115; am 7/1/92, Register 122; am 12/4/94, Register 132; am 7/12/96, Register 139; am 4/21/99, Register 150; am 7/12/2000, Register 155; am 9/4/2005, Register 175

Authority: AS 21.06.090

AS 21.42.130

AS 21.89.060

Editor's note: The information contained in the Federal Register described in 3 AAC 28.490(m) or a copy of the current Guide to Health Insurance for People with Medicare referenced in the outlines of coverage listed in 3 AAC 28.490(q) may be obtained by writing to the Division of Insurance, P.O. Box 110805, Juneau, Alaska 99811-0805.


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Last modified 7/05/2006