Humana Critical Illness and Cancer

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1 Consider coverage that helps protect you, your family, and your assets in the event of a critical illness. It offers specialized benefits to supplement other health insurance when you and your family may be most vulnerable: during the working years. payments can assist in covering a variety of expenses associated with a critical illness: out-of-pocket medical care costs, home healthcare, travel to and from treatment facilities, rehabilitation, and other expenses. Coverage type Voluntary Critical Illness insurance is a group policy form that includes coverage for heart/stroke, cancer, and other critical illnesses. amount Coverage for vascular conditions Coverage for cancer conditions 30 day waiting period amounts are available at various levels. You can choose: $5,000 to $50,000 for employees You can also add coverage for your dependents: Spouse: $2,500 to $25,000. Spouse coverage benefit is equal to exactly half of the employee's coverage Child: $2,500 to $5,000 for each eligible child. Child coverage benefit is equal to exactly half of the employee's coverage to a maximum of $5,000. Heart attack 100% Transplant as a result of heart failure 100% Stroke 100% Coronary artery bypass surgery as a result 25% of coronary artery disease First diagnosis of internal cancer or 100% malignant melanoma Carcinoma in situ 25% list for the Workplace Voluntary products at Disclosure.Humana.com. Please review this information before I HumanaVoluntarys.com

2 Coverage for other critical illnesses Additional included benefits Portability Transplant, other than heart 100% End-stage renal failure 100% Loss of sight, speech, or hearing 100% Coma 100% Severe burns 100% Permanent paralysis due to an accident 100% Occupational HIV 100% Waiver of premium for disability: This waives an employee's premium if he or she becomes totally disabled for at least 180 days after the effective date of coverage. For employees ages recurrence: This provides an additional benefit for the same condition if a covered participant is treatment-free for at least 12 months. Health screening: pays per calendar year for covered health screenings. There are 18 covered tests including mammograms, colonoscopies, and stress tests. Indemnity based and payable once per calendar year per insured Employer selects this optional benefit and the benefit amount; Employee may decline the benefit if he/ she chooses Coverage is same for all insureds on the certificate $100 Portable after six months of continuous coverage if group master policy remains in force and the insured is less than age 70. Participants may continue coverage by paying premiums on a direct billing method. All ported certificates will be subject to any rate increases on the Employer's Master Policy. Pre-existing provision Waived list for the Workplace Voluntary products at Disclosure.Humana.com. Please review this information before I HumanaVoluntarys.com

3 Additional plan information Spouse includes domestic partners where allowed by state and employer. list for the Workplace Voluntary products at Disclosure.Humana.com. Please review this information before I HumanaVoluntarys.com

4 Rates Employee rates Displaying Monthly payroll deductions based on monthly premium calculation including Recurrence and $100 Health Screening Employee - NTU BENEFIT: $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50, $4.31 $6.22 $8.13 $10.04 $11.96 $13.87 $15.78 $17.69 $19.61 $ $6.34 $9.66 $12.98 $16.30 $19.62 $22.94 $26.26 $29.58 $32.90 $ $10.15 $16.71 $23.26 $29.81 $36.37 $42.92 $49.47 $56.03 $62.58 $ $15.99 $27.44 $38.89 $50.35 $61.80 $73.26 $84.71 $96.16 $ $ $15.99 $27.44 $38.89 $50.35 $61.80 $73.26 $84.71 $96.16 $ $ $24.98 $44.53 $64.09 $83.64 $ $ $ $ $ $ $29.48 $53.49 $77.50 $ $ $ $ $ $ $ Spouse Rates Displaying Monthly payroll deductions based on monthly premium calculation including Recurrence and $100 Health Screening Spouse - NTU BENEFIT: $2,500 $5,000 $7,500 $10,000 $12,500 $15,000 $17,500 $20,000 $22,500 $25, $3.35 $4.31 $5.26 $6.22 $7.18 $8.13 $9.09 $10.04 $11.00 $ $4.68 $6.34 $8.00 $9.66 $11.32 $12.98 $14.64 $16.30 $17.96 $ $6.88 $10.15 $13.43 $16.71 $19.98 $23.26 $26.54 $29.81 $33.09 $ $10.26 $15.99 $21.71 $27.44 $33.17 $38.89 $44.62 $50.35 $56.07 $ $10.26 $15.99 $21.71 $27.44 $33.17 $38.89 $44.62 $50.35 $56.07 $ $15.20 $24.98 $34.76 $44.53 $54.31 $64.09 $73.86 $83.64 $93.42 $ $17.48 $29.48 $41.49 $53.49 $65.50 $77.50 $89.50 $ $ $ NTU: Non-tobacco user; TU: Tobacco user Children Rates Displaying Monthly payroll deductions based on monthly premium calculation including Recurrence and $100 Health Screening Children BENEFIT: 0-24 $2,500 $1.11 $5,000 $1.57 The proposed rates are for an effective date no later than 09/01/ HumanaVoluntarys.com

5 Rates Employee rates Displaying Monthly payroll deductions based on monthly premium calculation including Recurrence and $100 Health Screening Employee - TU BENEFIT: $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50, $5.27 $8.15 $11.03 $13.90 $16.78 $19.66 $22.54 $25.41 $28.29 $ $8.81 $14.60 $20.39 $26.18 $31.97 $37.75 $43.54 $49.33 $55.12 $ $16.30 $29.00 $41.70 $54.39 $67.09 $79.79 $92.49 $ $ $ $26.61 $48.68 $70.76 $92.83 $ $ $ $ $ $ $26.61 $48.68 $70.76 $92.83 $ $ $ $ $ $ $42.52 $79.62 $ $ $ $ $ $ $ $ $49.98 $94.48 $ $ $ $ $ $ $ $ #REF! Spouse Rates Displaying Monthly payroll deductions based on monthly premium calculation including Recurrence and $100 Health Screening Spouse - TU BENEFIT: $2,500 $5,000 $7,500 $10,000 $12,500 $15,000 $17,500 $20,000 $22,500 $25, $3.83 $5.27 $6.71 $8.15 $9.59 $11.03 $12.46 $13.90 $15.34 $ $5.92 $8.81 $11.71 $14.60 $17.49 $20.39 $23.28 $26.18 $29.07 $ $9.95 $16.30 $22.65 $29.00 $35.35 $41.70 $48.05 $54.39 $60.74 $ $15.57 $26.61 $37.64 $48.68 $59.72 $70.76 $81.79 $92.83 $ $ $15.57 $26.61 $37.64 $48.68 $59.72 $70.76 $81.79 $92.83 $ $ $23.97 $42.52 $61.07 $79.62 $98.17 $ $ $ $ $ $27.73 $49.98 $72.23 $94.48 $ $ $ $ $ $ NTU: Non-tobacco user; TU: Tobacco user Children Rates Displaying Monthly payroll deductions based on monthly premium calculation including Recurrence and $100 Health Screening BENEFIT: 0-24 Children $2,500 $5,000 $1.11 $1.57 The proposed rates are for an effective date no later than 09/01/ HumanaVoluntarys.com

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