Medico Insurance Company Medico Corp Life Insurance Company

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1 Information packet Medico Insurance Company Medico Corp Life Insurance Company PROTECTING YOUR FUTURE TODAY SM US

2 Your Companies of Choice Why Medico? Medico Insurance Company and Medico Corp Life Insurance Company are part of a mutual insurance holding company system. This type of organization means that policy owners also have membership interests in the organization. It is a financially strong and secure organization with industry-leading technology and outstanding service for our policyholders and agents. We are an organization that emphasizes moderate rate adjustments, with a portfolio of products that meets the needs of our agents and their customers. Our goal is to make sure doing business with us is simple and easy by providing innovative resources to our distribution. Reasons To Consider Trusted carrier with financial strength and stability The companies offer a full portfolio of products that meets your clients needs MyEnroller SM - State-of-the-art electronic application and quoting engine Medico Insurance Company has been offering Medicare supplement since The company has exceptional Medicare supplement rate stability with a 5.8% average rate adjustment over the last 4 years. Competitive commissions Best-in-class agent website Fast underwriting and direct access to underwriters Easy to do business with Outstanding Customer Service Superior Agent Support Much more... Our Portfolio of Products Medicare Supplement* Dental, Vision & Hearing Short Term Recovery Care First Diagnosis Cancer Hospital Indemnity Final Expense Life *Medicare supplement products are offered by Medico Insurance Company and Medico Corp Life Insurance Company and may vary by state.

3 MyEnrollerSM Anytime. Anywhere. MyEnroller SM. No matter where you go to sell our products, Medico s state-of-the-art electronic application and quoting engine is there. MyEnroller SM allows you to quote all of Medico Insurance Company and Medico Corp Life Insurance Company products in one convienent location. You are also able to customize the quote for your client and run several different rate scenarios without manually recalculating the quote. You can use this electronic application platform on your laptop or mobile device to write applications anywhere, anytime, even without the Internet. If the application was written remotely without an Internet connection, once you connect to the Internet and sync MyEnroller SM, the application will automatically be submitted to Medico s Administrative Office electronically. With its sleek design and easy-to-use technology, MyEnroller SM will transform the way you do business. Download MyEnroller SM to your desktop Internet or no Internet connection, it works Quick application processing time Application tracking available Easily transmit applications to Medico Great cross-selling tool PROTECTING YOUR FUTURE TODAY SM

4 Product Availability Medico Corp Life Insurance Company Medicare Supplement Medico Insurance Company State Medicare Supplement Short Term Recovery Care Dental, Vision & Hearing First Diagnosis Cancer Hospital Indemnity Final Expense Life AL AZ AR CO DE 4 4 FL 4 4 GA ID IL IN IA KS KY LA ME MI MS MN 4 MO MT NC NE NV NM ND 4 OH OK OR PA RI 4 SC SD 4 4 TN TX UT VT 4 VA WA 4 4 WV WI WY

5 Medicare Supplement Policy Highlights While the Medicare supplement plans are standardized, your clients still have a choice when it comes to cost and the company standing behind the policy. Medico Insurance Company, located in Omaha, Nebraska, has been meeting insurance needs for more than 80 years and has been offering Medicare supplement insurance since Medico Insurance Company and Medico Corp Life Insurance Company offers outstanding customer service and is proud of our commitment to our policyholders. While a rate increase may be necessary, Medico Insurance Company has averaged a 5.8% increase over the last four years. Medico Insurance Company is a proven company and will be there when your client needs us the most. Coverage A B C D F* G M N Part A deductible % Part A deductible 4 Part A hospital co-payment (61-90 days) Part A hospital co-payment ( days) Part A hospital up to an additional 365 lifetime days once lifetime reserve days end Plans Part A&B pints of blood Hospice Part A co-payment and co-insurance Part B deductible 4 4 Part B 20% of eligible expenses ** Part B excess charges 4 4 Foreign Travel *Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare covered costs up to the deductible amount of $2,140 in 2014 before your Medicare Supplement plan pays anything **Except for a co-payment of up to $20 co-payment for office visit and up to $50 co-payment for ER. State Availability Chart State Medicare Supplement State Medicare Supplement State Medicare Supplement AL Plans - A,F,N LA Plans - A,F,N OR Plans - A,D,F AZ* + Plans - A,F,F(HD),G,N MI* + Plans - A,F,F(HD), G, N PA* +++ Plans - A,B,F,F(HD),G,N AR Plans - A,D,F,G,N MS Plans - A,F,N SC Plans - A,D,F CO* + Plans - A,F,F(HD),G,N MO Plans - A,D,F, M,N SD Plans - A,D,F GA* + Plans - A,B,F,F(HD),G,N MT Plans - A,F,N TN Plans- A,F,G,N ID Plans - A,D,F NC* + Plans - A,F,F(HD),G,N TX + Plans - A,C,F,G,M,N IL + Plans - A,D,F NE + Plans - A,D,F,M,N UT Plans - A,D,F IN + Plans - A,F, F(HD),G,N NV Plans - A,D,F VA Plans - A,D,F, M,N IA + Plans - A,D,F, M,N NM Plans - A,D,F WV* + Plans - A,F,F(HD),G,N KS* + Plans - A,F,F(HD),G,N OH* ++ Plans - A,F,F(HD),G,N WI Mandated benefits KY* + Plans - A,F,F(HD),G,N OK Plans - A,D,F WY Plans - A,D,F, M,N *Medico Corp Life Insurance Company + Household Discount: live in the same household with another person over 18 years of age, regardless if they sign up for coverage. ++ Household Discount: two people in the same household must purchase coverage with Medico Corp.The household discount will continue as long as coverage for both remains in force. +++ Couples Discount: when two applicants apply for coverage with Medico Corp. The discount will continue as long as both policies remain in force. The discount is available to individuals living at the same address in a legal relationship recognized by the state.

6 Short Term Recovery Care Policy Highlights Unexpected illness or injury can quickly drain your clients savings and retirement funds. Does their current coverage include Home Health Care, Nursing Facility, Adult Day Care, Assisted Living or Hospice Care? We can help cover costly recovery expenses due to knee or hip replacements, stroke, heart attack or accidents. Medico Insurance Company s Recovery Care is a smart addition or alternative to long-term care insurance. It is a good choice for those who cannot afford long-term care. Reasons to Consider* Issues to Ages No Policy Fee 10% Household Discount Daily Benefit Amount Option between $100 - $300 in $10 increments. Pays actual charges up to the selected daily amount. Choose a 0-, 15- or 30-day Elimination Period Lifetime Maximum Benefit Period Options of 120, 240 or 360 days Bed Reservation Benefit One-time Restoration of Lifetime Maximum Benefit Period Covered Benefits Nursing Facility Care Assisted Living Facility Care Home Health Care Adult Day Care Hospice Care Optional Riders Survivorship Benefit Rider Inflation Protection Rider *Product Features May Vary By State

7 Dental, Vision & Hearing Policy Highlights Medico Insurance Company understands that your clients dental health, eyesight and hearing are a part of their quality of life; unexpected problems can be painful, inconvenient and expensive! We want to make it possible for your client to find an affordable way to protect these assets. Medico Insurance Company s Dental, Vision & Hearing Plus product is designed to travel well because there are no network requirements. Reasons To Consider* Issues to Ages No Policy Fee Freedom to Choose Provider Low $100 Policy Year Deductible Choose $1,000 or $1,500 Policy Year Maximum Increasing percentage paid for non-major services 60% first policy year* 70% second policy year 80% third policy year *Major restorative services paid at 60% after the waiting period in all policy years Dental Covered Immediately: Diagnostic X-rays Diagnostic Exams Extractions - up to 4 annually Fillings Emergency Palliative Treatment Covered after 3 Months: Cleaning/Exams (twice annually) Examination X-rays Covered after 1 Year: Major Restorative Services, including Endodontics Root canals Periodontal surgery Bridges & Crowns Full or partial dentures Much more... Vision Covered Immediately: Eye Exams *Product Features May Vary By State Covered after 6 months: Eyeglasses or contact lenses Up to $200 over 2 years Part of Policy Year Maximum Benefit Hearing Covered after 1 year: Hearing Exams Hearing Aids - up to $500 annually Part of Policy Year Maximum Benefit Optional Provider Network Through one of the largest dental networks nationally with a focus on neighborhood dentists, the Maximum Care Network can help you save on services such as routine oral exams, cleanings, and major work such as dentures, root canal and crowns. To locate a participating dental provider, please visit to access our online provider search.

8 First Diagnosis Cancer Policy Highlights Unfortunately we live in an age when almost everyone knows someone who has been diagnosed with cancer. Medico Insurance Company s First Diagnosis Cancer insurance plan can help with the financial burden when a person is diagnosed with cancer. This is a simple product and an emotional sale. Policy pays one lump sum directly to the policyholder. The benefit can be used any way the insured sees fit. Reasons To Consider* Issues to Ages No Policy Fee Unisex rate calculation Choose $10,000, $15,000, $20,000 or $25,000 Maximum Lump-Sum Benefit 10% Household Discount applied when two or more people who live in the same household apply for and are issued the same policy date. (Not available in all states.) Optional Inflation Protection Automatically increases the cash benefit amount by 5% of the original cash benefit amount each year the policy is in force. How This Policy Can Help To pay for non-covered expenses Part D coverage gap Part B outpatient coinsurance Non-covered prescriptions/treatment plans To cover personal expenses Travel costs Child care Lost wages Mortgage or rent *Product Features May Vary By State

9 Hospital Indemnity Policy Highlights Even with the best primary insurance plan, when you re hospitalized for an injury or illness, there will probably be medical expenses and out-of-pocket costs that aren t covered. Medico Insurance Company s Hospital Indemnity insurance plan provides cash benefits as you see fit. The benefits are predetermined and paid regardless of any other insurance you may have. You have the choice of applying for basic or a more robust plan. Whether you want a plan that provides hospitalization benefits only, or one that also covers outpatient rehabilitation and skilled nursing facility benefits, Medico Insurance Company can help. Reasons To Consider* Issues to Ages No Policy Fee 7% Household Discount Applicant lives in the same household with another person over the age of 18. Benefits Payable to Policyholder 3 Base Benefit Options Multiple Benefit Riders Available Hospital Confinement Benefit Options Option 1 - Pays for each day of confinement in hospital. Choose number of days (6 through 10 days) and the amount per day from $250-$600 in $25 increments. Observation Benefit Mental Health Benefit Emergency Room Benefit $1,000 Accidental Death and Dismemberment Benefit included. Option 2 - Pays a Lump Sum benefit per confinement in a hospital. Choose the amount per confinement of $1,500, $2,000 or $2,500. Covered up to 3 confinements per calendar year $1,000 Accidental Death and Dismemberment Benefit included. Option 3 - Pays a Lump Sum benefit of $5,000 on day 1 for 1 confinement per calendar year. $1,000 Accidental Death and Dismemberment Benefit included. *Product Features May Vary By State Optional Benefit Riders* Ambulance Services Outpatient Rehabilitation Services Daily Skilled Nursing Home Lump Sum Cancer Accidental Death & Dismemberment

10 Final Expense Life Policy Highlights The death of a loved one always brings distress to the survivor. But all too frequently, this hardship is compounded by a financial loss that could have been minimized or eliminated altogether with adequate insurance. Your client may think that a final expense policy is needed only to pay for a funeral, but there are many other financial needs that they can meet with a Medico Insurance Company Final Expense Life policy, including estate settlement cost, estate taxes, income replacement, outstanding debts or even a college fund. Reasons To Consider* Issues to Ages Ages $2,000 - $50,000 Ages $2,000 - $25,000 3 Qualifiers must be met for preferred rates Accelerated Benefits: For nursing home care and terminal illness up to 80% of the death benefit. If option is chosen, the remaining benefits are not payable Nursing Home: Expected to be confined until death Terminal Illness: Life expectancy of 12 months or less Two Benefit Options Level Benefit Graded Benefit Benefit Immediate Death Benefit Limited benefit for the first two policy years for a nonaccidental death. Simplified Application To be considered for coverage, Part B and medical questions must be answered No, and the applicant must meet height and weight requirements. There are two questions that could make a client ineligible, and two questions that would provide for full coverage or graded benefit. *Product Features May Vary By State

11 Contact Information Client Services Department Medico Insurance Company Toll Free Number: /Fax Number: Medico Corp Life Insurance Company Toll Free Number: Agent Service Department Toll Free Number: Fax Number: Underwriting Department Toll Free Number: Fax Number: or Corporate Office Medico Insurance Company Medico Corp Life Insurance Company Grant Street Grant Street Omaha, NE Omaha, NE Mailing Address Medico Insurance Company Medico Corp Life Insurance Company Administrative Services Administrative Services PO Box PO Box Des Moines, IA Des Moines, IA Overnight Mailing Address Medico Insurance Company Medico Corp Life Insurance Company Administrative Services Administrative Services 601 6th Ave th Ave. Des Moines, IA Des Moines, IA 50309

12 ABOUT THE COMPANIES PROTECTION FROM A FINANCIALLY STRONG COMPANY Medico Insurance Company has served the insurance needs of Americans since 1930, establishing a proven track record in providing quality insurance solutions. Today, Medico Insurance Company and Medico Corp Life Insurance Company s products are designed to help protect the financial well-being of our policyholders while our employees are dedicated to providing the kind of customer service they deserve. To learn more about our Companies and the products we offer, we invite you to visit our website at PROTECTING YOUR FUTURE TODAY SM Medico Insurance Company Administrative Services - PO Box Des Moines, IA Medico Corp Life Insurance Company Administrative Services - PO Box Des Moines, IA This brochure is intended to provide a general description of the policy benefits. Policy provisions and benefits may vary from state to state. Please see the policy for further details. For agent use only - Not for customer solicitation. Medico is a register mark owned and licensed by Medico Insurance Company MyEnroller SM is a service mark owned by the Entrecor Group, Inc Medico