Medicare Supplement Insurance Plans

1. Medicare SupplementInsurance Plans Your presenter today: [Presenter Name] Licensed Agent of Blue Cross and Blue Shield of Illinois (BCBSIL) Not connected with or endorsed by the U.S. Government or Federal Medicare Program.

2. A Medicare Supplement Insurance Plan (also called Medigap) is private health insurance that is designed to supplement Original Medicare. What is a Medicare Supplement Insurance Plan? • This means it helps pay some of the health care costs that Original Medicare doesn’t cover, such as: • copayments • coinsurance • deductibles

3. What’s NOT Covered by Medicare • Dental • Routine eye exams & eyewear • Hearing aids & hearing tests • Personal or custodial care • Non-emergency transportation • Health care outside the United States • Private-duty nurse • Outpatient prescription drugs

4. Things to Know Before You Buy a Medicare Supplement Insurance Policy • You need both Medicare Part A and Part B • For Medicare Beneficiaries 65 years of age and better, BCBSIL offers guaranteed issue

5. Benefits Overview:Medicare Parts A & BMedicare Supplement Insurance Plans

6. Medicare Costs

7. Medicare Supplement Insurance Costs

8. Other Medical Expenses * In most situations, Medicare won’t pay for health care or supplies you get outside the United States. ** You are responsible for any remaining charges not covered by the Foreign Travel Emergency Coverage.

9. Protect Yourself • Medicare provides basic coverage; it was not designed to pay all of your medical expenses • Sometimes a simple accident or illness can result in unexpected medical bills • Let a Blue Medicare Supplement Insurance Plan reduce the impact of such unexpected expenses!

10. Blue Cross and Blue Shield of IllinoisMedicare Supplement Insurance Plans

11. Standard 6standardized plans Freedom of choice Competitive monthly premiums Medicare Select 5standardized plans Use any of the hospitals in our Medicare Select Hospital Listing (not an HMO) Lower monthly premiums Blue Medicare SupplementSMPlan Options Other • High-deductible Plan F • Plans K and L

12. What is Medicare Select? • Med-Select is a money-saving option that is NOT an HMO • Offers the same benefits as ourstandard option, but costs less • To qualify for Med-Select, you must live in the approved service area within 30miles of any Med-Select network hospital • With Med-Select, you are covered for urgent and emergency care at any hospital Med-Select Plan requires that you use BCBSIL contracting Med-Select hospitals for non-emergency admissions to receive coverage for the Medicare Part A deductible. In an emergency, the$1,364deductible is covered at any hospital from which you receive care.Note: Med-Select is available only in certain Illinois counties.

13. High-Deductible Option Plan F Annual deductible has to be met before the plan pays anything Also has a Foreign Travel Emergency deductible Has lower premiums Out-of-pocket costs may be higher

14. Medigap Plans K and L • Pay only partial costs after Medicare • Annual out-of-pocket maximums • Once you meet the annual limit, plan will pay: • 100% of your Medicare Part A and Part B copayments and coinsurance for the rest of the calendar year • Part B deductible (if it has not already been paid)

15. Medicare Supplement Insurance PlanKey Points • Must have Medicare Part A and Part B • Must continue to pay Medicare Part B premium • You must pay the insurance company a monthly premium for your Medicare Supplement insurance policy • You cannot have a Medicare Advantage Plan and a Medicare Supplement Insurance Plan • Enrolling in a Medicare Supplement insurance plan is optional • Each policy covers one person • Spouses can each pick a different plan to match their individual coverage needs

16. Why choose a Blue Medicare Supplement Insurance Plan?

17. Benefits of Having a Blue Medicare Supplement Insurance Policy • Original Medicare does NOTcover everything • May lower your out-of-pocket costs • Get more health insurance coverage • Choose any doctor who accepts Medicare

18. 80+ Years of Experience Backs Every Policy • Guaranteed acceptance for those Illinois residents 65 and older – no health questions asked • Ability to switch between BCBSIL plans • Freedom to choose any doctor or specialist who accepts Medicare • Guaranteed renewability regardless of changes in your health • Coverage guaranteed to match Medicare’s cost increases year after year • 97% of Medicare Supplement claims processed within 10 days • Nation’s largestcustomer-owned health insurance company • A (Excellent) Rating – A.M. Best & Company

19. Service Begins the Moment you Enroll Online www.getblueil.com/medsupp – 24/7 By Phone1-877-566-12778 a.m. – 8 p.m., Central Time, Monday – Friday By Mail – You can download an application form online or call us for an information kit Locate an Authorized Independent Insurance Agent at: www.bcbsil.com/medicareagents

20. Taking Service a Step Further Blue Access for MembersSM (BAM) Wellness tools and content www.bcbsil.com/member Education LifeTimesmember news Seminars Health Fairs Community Events Visitwww.BCBSIL.com/medicare/seminars

21. Thank You! The best compliment you can give us is a referral; if you know anyone who needs assistance with selecting a BCBSIL Medicare Supplement Plan, please fill out a referral form or take our business cards. Thank you, [Field Representative]

22. Additional Information Medicare Supplement insurance plans are offered by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of Illinois Medicare Supplement Insurance plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.