Welcome to America's 1st Choice!

2. Welcome to America's 1st Choice! • We want to thank you for considering America's 1st Choice for your Medicare coverage. • America’s 1st Choice is a Medicare Advantage Private Fee For Service (PFFS) Plan approved in all counties in the State of North Carolina. H0979_AFCIC_3105_09_20080924

3. What We’ll Discuss Today • America's 1st Choice: • Who we are • What we offer (What is a PFFS?) • Service Area in North Carolina • Eligibility to enroll • How a PFFS works • Explain the benefits of the America's 1st Choice plans • Your questions are important to us. If you have questions during the presentation, please hold them. • Show you how to enroll today!

4. Who is America's 1st Choice? • We are a physician owned (Medicare Advantage) insurance company which sets us apart from the competition • We are locally-operated to ensure that we understand your healthcare concerns • We are committed to excellence

5. What is a Medicare Advantage Plan? “You can get your coverage through the Original Medicare Plan or Medicare Advantage Plans. Congress created the Medicare Advantage program to provide you with more choices and sometimes extra benefits by letting private companies offer you your Medicare benefits.” Source: Medicare & You 2005, Centers for Medicare and Medicaid Services

6. What is a Private Fee-For-Service plan? • PFFSis a type of Medicare Advantage plan offered by a private insurance company like America’s 1st Choice Insurance Company of North Carolina, Inc. • It is not the same as the Original Medicare plan that is offered by the Federal Government • It is not a Medicare supplement, Medigap, Medicare Select, or Prescription Drug Plan

7. Are you Eligible? • Do you have Medicare Parts A & B? • Is your permanent residence here in this county? • Do you have end stage renal disease?

8. Medicare Advantage Plan Guarantees: “If you join a Medicare Advantage Plan: • You are still in the Medicare program • You still have Medicare rights and protections • You still get all your regular Medicare-covered services • You may be able to get extra benefits…” Source: Medicare & You 2005, Centers for Medicare and Medicaid Services.

9. All the benefits that you currently receive from Medicare, plus much more including… No Medicare deductibles Routine physicals Brand and generic Rx coverage (only on insert plan name) Nationwide emergency/ urgent care Physicians and Specialists without Referral No need to pay supplemental monthly premiums* Additional services including dental, vision and hearing Added Benefits of our Medicare Advantage PFFS Plans * varies by plan

10. Department of Health & Human Services Centers for Medicare and Medicaid Services 16

11. America's 1st Choice Prescription Drug Benefits* Routine Physical Exams Additional Services: Dental, Vision, Hearing* A common Medicare supplement - Plan C Coverage for all Medicare deductibles and co-insurance Medicare alone Office visits when you are sick Hospitalization Compare Your Healthcare Choices This table is a brief overview comparing Medicare alone, a popular Medicare supplement and America's 1st Choice plans. The Summary of Benefits will go into more detail about benefits. *Certain Plans do not cover Rx * Limitations and co-payments may apply 15

12. How does PFFS work? • A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. • Your doctor or hospital is not required to agree to accept the plans terms and conditions, and thus may choose not to treat you, with the exception of emergencies.

13. How does PFFS work? • If your doctor or hospital does not agree to accept our payment terms and conditions, they may not provide healthcare services to you, except in emergencies. • Providers can find the Plan’s terms and conditions on our website. www.americas1stchoice.com

14. How does it work? • America’s 1st Choice pays instead of Medicare. You will pay amounts that the PFFS Plan does not pay, which are called co-payments and/or co-insurance. • Original Medicare will not pay for your healthcare while you are enrolled in a Private Fee-for-service plan.

15. How do you obtain services from a PFFS Plan? • You may receive healthcare services from any provider allowed to bill Medicare who agrees to accept the Private Fee-for-service plan’s payment terms and conditions. • You must use network pharmacies to obtain prescription drugs, except in emergencies or urgent situations.

16. Before seeing a provider, you should … • Verify that your provider will accept the America’s 1st Choice PFFS Plans (<insert plan name). • Your healthcare providers have the right to choose whether to accept a Private Fee-for-service plan’s payment terms and conditions every time you see your providers.

17. When you go to the doctor or hospital: • Show your America’s 1st Choice ID card and tell them that you have chosen either the you • Patriot Plan 004 • Presidential Plan 006 • Ambassador Plan 020 • Patriot Plus Plan 005 • Presidential Plus Plan 007 • Do not show your red, white and blue Medicare card • Pay any America’s 1st Choice co-payments or co-insurance at the time of service.

18. What if? • If your provider decides not to accept the plan, you will need to find another provider that will. • They should not provide services to you except in an emergency. • If they choose to provide services, they may not bill you. They must bill the Private Fee-for-service plan for your covered healthcare services. You must pay the appropriate co-payments and co-insurance.

19. Don’t worry about payments • The doctor or hospital will bill America’s 1st Choice for the rest. • Healthcare providers must bill the Private Fee-for-service plan (America’s 1st Choice).

20. You are in control with a Medicare AdvantagePrivate Fee For Service (PFFS)

21. Plan Benefits For the next few minutes, your America's 1st Choice Representative will present the specifics of the America's 1st Choice Medicare Advantage plan benefits, using the Medicare Approved Summary of Benefits booklet. 21

22. Before we finish…… QUESTIONS?

23. Would you like to enroll today? • To enroll, we need to complete an enrollment form today. • Once you are approved on the Plan, you will receive a welcome package and your member identification card • Your (proposed) effective date will be: The 1st of the following month.

24. Thank You and Share the Good News Many of our members have been referred by their friends. Who do you know that could benefit from our Plan? Call Toll Free: 866-321-3947 TTY/TDD: 800-735-2962 <Monday thru Sunday> <8:00 am – 8:00 pm> www.americas1stchoice.com