Cumberland River, downtown Nashville. About Us. Senior Supplemental Insurance

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1 Cumberland River, downtown Nashville About Us Senior Supplemental Insurance

2 A few of our associates in the home office

3 Senior Supplemental Insurance 800 Crescent Centre Dr. Suite 200 Franklin, TN aetnaseniorproducts.com Welcome to Aetna Senior Supplemental Insurance Thank you for your interest in our company. We take pride in the fact that we have been able to provide insurance solutions to the senior market for over 32 years. Our headquarters in the Nashville, Tennessee area (Franklin) is home to over 400 associates who truly enjoy (and are good at!) being able to help you with the personalized service that is expected and deserved. Our financial strength and stability sit on the foundation of being a member of the Aetna family of companies. The next few pages will give you a glimpse of what we re about and why so many have chosen to do business with us. See for yourself Ty Wooldridge President

4 About Aetna Senior Supplemental Insurance Continental Life Insurance Company of Brentwood, Tennessee (CLI) became the foundation of our Senior Supplemental insurance business in Following in the same tradition of CLI, American Continental Insurance Company (ACI) was established in CLI and ACI became members of the Aetna family of companies in 2011, further enhancing their strength and stability in the senior insurance market. CLI and ACI are both rated A (Excellent) by A.M. Best Company (as of December 6, 2017). * Additional Medicare Supplement products were added to the portfolio with Aetna Life Insurance Company (ALIC) in 2011, Aetna Health and Life Insurance Company (AHLIC) in 2013, and Aetna Health Insurance Company (AHIC) in ALIC, AHLIC, and AHIC are all rated A (Excellent) by A.M. Best Company (as of December 6, 2017).* All of these entities make up Aetna Senior Supplemental Insurance. Headquartered in the Nashville, Tennessee area (Franklin), our Senior Supplemental insurance business has grown into a successful, dynamic company that offers associates a rewarding and challenging environment to work and thrive in. Our Medicare Supplement insurance and other health and life insurance products are now sold by over 30,000 licensed agents nationwide. Our commitment will always be to provide the best plan of protection possible at an affordable premium, as well as, provide unsurpassed claims payment and customer service for policyholders. For more information, go to aetnaseniorproducts.com * A (Excellent) is the third highest rating out of sixteen A.M. Best ratings.

Aetna offers a broad range of traditional, voluntary and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and

5 About Aetna Aetna is one of the nation s leading diversified health care benefits companies, serving an estimated 46.7 million people with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional, voluntary and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities, Medicaid health care management services, workers compensation administrative services and health information technology products and services. Aetna s customers include employer groups, individuals, college students, part-time and hourly workers, health plans, health care providers, governmental units, government-sponsored plans, labor groups and expatriates. For more information, go to aetna.com. Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Companies and its affiliates (Aetna). Rogers building, Aetna home office, Hartford, Connecticut

6 How we help with peace of mind Our policyholders Medicare is an important part of a senior s health care plan. However, deductibles, co-payments, and other services are some of the costs not included in the coverage available through Medicare. Our Medicare Supplement insurance plans offer seniors the ability to continue going to the doctors and hospitals they know and trust while providing supplemental coverage at competitive premium rates. We also offer a complete portfolio of complementary products all supported by attentive customer service and prompt claims payments. Stay Connected aetnaseniorproducts.com A website for you All Aetna Senior Supplemental insurance policyholders can login (after initial sign-up) to our secure website portal. The sign-up process is quick and simple, but just in case technical assistance is required, we have a dedicated web assistance team that provides website related technical assistance. Policyholders can: view policy details and claims, access member discounts, request duplicate ID cards and policy pages, update contact and bank information, send department specific requests, and refer a friend to name a few.

7 Aetna Senior Supplemental Insurance home office, Franklin, Tennessee

Medicare Supplement insurance A Medicare Supplement insurance policy helps consumers manage and budget their health care expenses with predictability and stability.

8 Medicare Supplement insurance A Medicare Supplement insurance policy helps consumers manage and budget their health care expenses with predictability and stability. Medicare provides beneficial coverage for health related expenses, but it does not cover all health care expenses. There are a number of gaps in Medicare coverage that consumers either pay for out-of-pocket or with private insurance. A Medicare Supplement insurance policy can help fill in those gaps and help pay the out-ofpocket costs for Medicare-approved services and works hand-in-hand with Medicare to provide more insurance coverage. 30 days free look 12-month rate guarantee Guaranteed renewable Freedom to choose doctors Go direct to doctors Benefits stay the same year-after-year Portable coverage NOTE: All products and entities are not available in all states. A Medicare Supplement insurance policy has no restrictive networks, consumers can visit the physicians of their choice, and have freedom when choosing a health care provider, including specialists and specialty hospitals. With automatic claims filing by most providers, consumers have fewer things to worry about.

9 Final Expense whole life insurance The financial aftermath of a death may put strains on those left to cover the costs. A whole life insurance plan (Final Expense) allows consumers to make choices, plans, and decisions on what is truly appropriate for them and their family and helps provide funding when it s needed the most. Peace of mind that family will be better prepared Consumers may qualify for one of three available plans No medical exams Protection up to $35,000 Premium rates that never increase Coverage and benefits that never decrease Renewable for life regardless of any changes in health 30 days free look transportation, ceremony, flowers, legal/ probate, debts, medical. Benefits are paid to whoever the policyholder chooses. Affordable premiums Benefits between $3,000 and $35,000 Issue ages Premiums based on issue age (last birthday) NOTE: All products and entities are not available in all states. This valuable protection can help pay for expenses such as: funeral, casket,

Protection Series SM Dental, Vision and Hearing insurance Pays benefits directly to insured unless assigned to provider Guaranteed acceptance and renewable Issue ages 0 89 $1,000 or $1,500 max

10 Protection Series SM Dental, Vision and Hearing insurance Pays benefits directly to insured unless assigned to provider Guaranteed acceptance and renewable Issue ages 0 89 $1,000 or $1,500 max benefit/policy year Plan deductible = $100/policy year per person Freedom to choose any provider or get even better pricing by going in-network Dental Covered immediately: After deductible, the plan pays: year 1 = 60%; year 2 = 70%; year 3+ = 80% Examinations/cleanings (twice per year) X-rays and fillings Non-surgical extractions Emergency palliative treatment Covered after 12 months: After deductible, the plan pays: year 2+ = 60% Endodontics (includes root canals) Periodontal surgery Bridges, crowns, and full/partial dentures Vision Covered after 6 months: After deductible, the plan pays: year 1 = 60%; year 2 = 70%; year 3+ = 80% Pays up to $200 during any 2 policy years Eye examinations Eyeglasses/contact lens Hearing Covered after 12 months: After deductible, the plan pays: year 2 = 70%; year 3+ = 80% Pays up to $500 during any one policy year Hearing examinations Hearing aids NOTE: The above information represents a partial list of services. All products and plan options are not available in all states..

Protection Series SM Cancer and Heart Attack or Stroke insurance Cancer insurance Once cancer is medically diagnosed, a full (lump sum) benefit is paid.

11 Protection Series SM Cancer and Heart Attack or Stroke insurance Cancer insurance Once cancer is medically diagnosed, a full (lump sum) benefit is paid. Benefits range from $5,000 to $75,000 (in increments of $5,000). Hospitalization is not required to be eligible for this coverage. Only one cancer benefit amount will be paid for each insured under this policy. Cancer and Heart Attack or Stroke insurance This policy includes the cancer coverage described, along with a lump sum benefit for the medical diagnosis of a heart attack or stroke. Only one heart attack or stroke benefit amount will be paid for each insured under this policy. Benefit amounts are the same as the cancer insurance. Intensive Care Unit Rider This rider pays a benefit of $150 per day for confinement in a hospital intensive care unit. Benefits are available in $150 increments, up to a maximum of four increments. There is a maximum of 31 days per period of care. The benefit reduces by 50% at age 65. This rider Terminates when the policy terminates. Issue ages days waiting period 30 days free look Guaranteed renewable NOTE: All products and plan options are not available in all states.

Protection Series SM Hospital Indemnity insurance Helps offset out-of-pocket expenses Pays benefits directly to insured unless assigned to provider Issue ages 18 89 Pays indemnity benefits of up to:

$200 hospital emergency room visit or ambulance service Protection Series SM Hospital Indemnity Flex insurance Helps offset out-of-pocket expenses Pays benefits directly to insured unless assigned to

12 Protection Series SM Hospital Indemnity insurance Helps offset out-of-pocket expenses Pays benefits directly to insured unless assigned to provider Issue ages Pays indemnity benefits of up to: - $2,500 hospital confinement - $300 optional daily hospital - $200 optional daily skilled nursing facility care - $60 optional doctor s office visit - $1,500 optional outpatient surgical procedure - $200 hospital emergency room visit or ambulance service Protection Series SM Hospital Indemnity Flex insurance Helps offset out-of-pocket expenses Pays benefits directly to insured unless assigned to provider Issue ages Pays indemnity benefits of up to: - $2,500 hospital admission - $700 daily hospital - $200 optional daily skilled nursing facility care - $60 optional doctor s office visit - $1,500 optional outpatient surgical procedure - $200 optional hospital emergency room visit or ambulance service - $2,500, $5,000 or $10,000 optional lump sum cancer - $50/visit optional outpatient rehabilitation NOTE: This is not a Medicare Supplement policy. This is not a Major Medical policy. All products and plan options are not available in all states.

Protection Series SM Recovery Care short term insurance Helps offset out-of-pocket expenses Pays benefits directly to insured unless assigned to provider Issue ages 50 89 Pays indemnity benefits of

insurance Helps offset out-of-pocket expenses Pays benefits for medically necessary home care Pays benefits directly to insured unless assigned to provider Issue ages 50 89 Home care indemnity up to

13 Protection Series SM Recovery Care short term insurance Helps offset out-of-pocket expenses Pays benefits directly to insured unless assigned to provider Issue ages Pays indemnity benefits of up to: - $300/day daily nursing facility including assisted living and bed reservation - $300/day daily hospital - $1200/ weekly optional home care rider Protection Series SM Home Care Plus indemnity insurance Helps offset out-of-pocket expenses Pays benefits for medically necessary home care Pays benefits directly to insured unless assigned to provider Issue ages Home care indemnity up to $1,200/week Daily hospital indemnity up to $300 Lump sum cancer fixed indemnity rider Hospital emergency room visit and ambulance service indemnity rider NOTE: This is not a Long Term Care policy. All products and plan options are not available in all states.

14 Riverfront Park, downtown Nashville Historic Franklin, Tennessee town square

15 The Ryman Auditorium, downtown Nashville Opryland Hotel gardens, Nashville

16 Senior Supplemental Insurance Aetna Health and Life Insurance Company Aetna Health Insurance Company Aetna Life Insurance Company American Continental Insurance Company Continental Life Insurance Company of Brentwood, Tennessee Aetna Companies Franklin, Tennessee aetnaseniorproducts.com CGFMP Aetna Inc

Helping provide financial security. Medicare Supplement Insurance. Plans A, B, F, High Deductible F, G, N. California

The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance agent or insurance company. Helping provide financial security Underwritten by Continental Life Insurance