OUTLINE OF COVERAGE AND RATES FOR TENNESSEE RESIDENTS

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OUTLINE OF COVERAGE AND RATES FOR TENNESSEE RESIDENTS Medicare Supplement benefit plans A, F, High-Deductible F, G, and N Cigna Medicare Supplement Insurance Cigna Health and Life Insurance Company CHLIC-HHD-OC-AA-TN 902464 10/18

CIGNA HEALTH AND LIFE INSURANCE COMPANY PO Box 26580, Austin, TX 78755-0580 866-459-4272 Outline of Medicare Supplement Coverage Benefit Plans A, F, High-Deductible F, G, and N Benefit chart of Medicare Supplement Plans sold with an effective date of coverage on or after June 1, 2010 This chart shows the benefits included in each of the standard Medicare Supplement plans. Every company must make Plan A available. Some plans may not be available in Your state. BASIC BENEFITS: Hospitalization: Part A plus coverage for 365 additional days after Medicare benefits end. Medical Expenses: Part B (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require Insureds to pay a portion of Part B or copayments. Blood: First three pints of blood each year. Hospice: Part A. A B C D F HDF* G K L M N Basic, including 100% Part B Basic, including 100% Part B Part A deductible Basic, including 100% Part B Skilled nursing facility Part A deductible Part B deductible Foreign travel emergency Basic, including 100% Part B Skilled nursing facility Part A deductible Foreign travel emergency Basic, including 100% Part B * Skilled nursing facility Part A deductible Part B deductible Part B excess (100%) Foreign travel emergency Basic, including 100% Part B Skilled nursing facility Part A deductible Part B excess (100%) Foreign travel emergency Hospitalization and preventive care paid at 100%; other basic benefits paid at 50% 50% Skilled nursing facility 50% Part A deductible Out-of-pocket limit $5,240; paid at 100% after reached Hospitalization and preventive care paid at 100%; other basic benefits paid at 75% 75% Skilled nursing facility 75% Part A deductible Out-of-pocket limit $2,620; paid at 100% after reached Basic, including 100% Part B Skilled nursing facility 50% Part A deductible Foreign travel emergency Basic, including 100% Part B, except up to $20 copayment for office visit and up to $50 copayment for ER visit Skilled nursing facility Part A deductible Foreign travel emergency *Plan F also has an option called a high-deductible Plan F. This high-deductible Plan pays the same benefits as Plan F after one has paid a calendar year $2,240 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses exceed $2,240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the Plan s separate foreign travel emergency deductible. CHLIC-HHD-OC-AA-TN PAGE 1 10/18

Cigna Health and Life Insurance Company MEDICARE SUPPLEMENT TENNESSEE Attained Age Rates -- Effective 10/1/2018 -- Area I (370-371, 373-374, 376-385) PREFERRED ANNUAL & MONTHLY BANK DRAFT RATES FEMALE RATES MALE RATES Plan A Plan F Plan HDF Plan G Plan N Attained Plan A Plan F Plan HDF Plan G Plan N Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly Age Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly 4,382.18 365.04 6,690.49 557.32 1,770.98 147.52 4,978.42 414.70 4,041.74 336.68 Under 65 4,965.01 413.59 7,580.32 631.44 2,006.52 167.14 5,640.54 469.86 4,579.30 381.46 1,095.54 91.26 1,672.62 139.33 442.75 36.88 1,244.60 103.68 1,010.44 84.17 65 1,241.25 103.40 1,895.08 157.86 501.63 41.79 1,410.14 117.46 1,144.82 95.36 1,095.54 91.26 1,672.62 139.33 442.75 36.88 1,244.60 103.68 1,010.44 84.17 66 1,241.25 103.40 1,895.08 157.86 501.63 41.79 1,410.14 117.46 1,144.82 95.36 1,095.54 91.26 1,672.62 139.33 442.75 36.88 1,244.60 103.68 1,010.44 84.17 67 1,241.25 103.40 1,895.08 157.86 501.63 41.79 1,410.14 117.46 1,144.82 95.36 1,095.54 91.26 1,672.62 139.33 442.75 36.88 1,244.60 103.68 1,010.44 84.17 68 1,241.25 103.40 1,895.08 157.86 501.63 41.79 1,410.14 117.46 1,144.82 95.36 1,137.42 94.75 1,706.96 142.19 459.49 38.28 1,275.17 106.22 1,049.52 87.42 69 1,288.69 107.35 1,933.99 161.10 520.60 43.37 1,444.77 120.35 1,189.10 99.05 1,174.14 97.81 1,741.30 145.05 475.69 39.63 1,305.74 108.77 1,079.77 89.94 70 1,330.30 110.81 1,972.90 164.34 538.96 44.90 1,479.40 123.23 1,223.38 101.91 1,212.85 101.03 1,797.05 149.69 490.92 40.89 1,347.99 112.29 1,116.57 93.01 71 1,374.16 114.47 2,036.05 169.60 556.21 46.33 1,527.27 127.22 1,265.07 105.38 1,250.62 104.18 1,852.77 154.34 506.15 42.16 1,390.23 115.81 1,151.51 95.92 72 1,416.95 118.03 2,099.20 174.86 573.46 47.77 1,575.13 131.21 1,304.66 108.68 1,288.38 107.32 1,908.50 158.98 521.37 43.43 1,432.45 119.32 1,186.45 98.83 73 1,459.74 121.60 2,162.33 180.12 590.71 49.21 1,622.97 135.19 1,344.25 111.98 1,326.15 110.47 1,964.22 163.62 536.59 44.70 1,474.66 122.84 1,221.39 101.74 74 1,502.52 125.16 2,225.45 185.38 607.96 50.64 1,670.79 139.18 1,383.83 115.27 1,367.51 113.91 2,029.80 169.08 554.51 46.19 1,525.75 127.10 1,256.33 104.65 75 1,549.38 129.06 2,299.76 191.57 628.26 52.33 1,728.68 144.00 1,423.42 118.57 1,409.77 117.43 2,096.78 174.66 572.62 47.70 1,573.05 131.04 1,292.57 107.67 76 1,597.27 133.05 2,375.65 197.89 648.77 54.04 1,782.27 148.46 1,464.48 121.99 1,458.17 121.47 2,165.97 180.43 591.30 49.25 1,621.82 135.10 1,346.06 112.13 77 1,652.11 137.62 2,454.05 204.42 669.94 55.81 1,837.52 153.07 1,525.09 127.04 1,503.89 125.27 2,237.45 186.38 610.05 50.82 1,672.09 139.29 1,397.66 116.42 78 1,703.91 141.94 2,535.03 211.17 691.19 57.58 1,894.48 157.81 1,583.55 131.91 1,550.35 129.14 2,311.29 192.53 629.62 52.45 1,723.93 143.60 1,449.00 120.70 79 1,756.55 146.32 2,618.69 218.14 713.36 59.42 1,953.21 162.70 1,641.72 136.76 1,595.95 132.94 2,387.56 198.88 649.33 54.09 1,777.37 148.05 1,498.46 124.82 80 1,808.21 150.62 2,705.11 225.34 735.69 61.28 2,013.76 167.75 1,697.75 141.42 1,619.28 134.89 2,466.35 205.45 663.96 55.31 1,832.47 152.64 1,522.65 126.84 81 1,834.64 152.83 2,794.38 232.77 752.27 62.66 2,076.19 172.95 1,725.16 143.71 1,645.31 137.05 2,547.74 212.23 679.01 56.56 1,889.27 157.38 1,551.43 129.23 82 1,864.13 155.28 2,886.59 240.45 769.32 64.08 2,140.55 178.31 1,757.77 146.42 1,680.44 139.98 2,631.81 219.23 693.69 57.78 1,947.84 162.26 1,599.14 133.21 83 1,903.94 158.60 2,981.85 248.39 785.95 65.47 2,206.90 183.84 1,811.83 150.93 1,713.80 142.76 2,718.66 226.46 708.09 58.98 2,008.23 167.29 1,633.78 136.09 84 1,941.73 161.75 3,080.25 256.58 802.26 66.83 2,275.32 189.53 1,851.07 154.19 1,743.80 145.26 2,808.38 233.94 721.67 60.12 2,070.48 172.47 1,659.35 138.22 85 1,975.72 164.58 3,181.90 265.05 817.66 68.11 2,345.85 195.41 1,880.04 156.61 1,784.53 148.65 2,901.05 241.66 737.55 61.44 2,134.67 177.82 1,700.60 141.66 86 2,021.87 168.42 3,286.90 273.80 835.64 69.61 2,418.58 201.47 1,926.78 160.50 1,826.13 152.12 2,996.79 249.63 753.78 62.79 2,200.84 183.33 1,742.70 145.17 87 2,069.01 172.35 3,395.37 282.83 854.03 71.14 2,493.55 207.71 1,974.48 164.47 1,868.63 155.66 3,095.68 257.87 770.36 64.17 2,269.07 189.01 1,785.69 148.75 88 2,117.16 176.36 3,507.42 292.17 872.82 72.71 2,570.85 214.15 2,023.18 168.53 1,912.04 159.27 3,197.84 266.38 787.31 65.58 2,339.41 194.87 1,829.57 152.40 89 2,166.34 180.46 3,623.16 301.81 892.02 74.31 2,650.55 220.79 2,072.90 172.67 1,956.38 162.97 3,303.37 275.17 804.63 67.03 2,411.93 200.91 1,874.37 156.13 90 2,216.58 184.64 3,742.72 311.77 911.64 75.94 2,732.72 227.64 2,123.66 176.90 2,001.84 166.75 3,412.39 284.25 822.33 68.50 2,486.70 207.14 1,920.44 159.97 91 2,268.09 188.93 3,866.23 322.06 931.70 77.61 2,817.43 234.69 2,175.86 181.25 2,048.26 170.62 3,524.99 293.63 840.42 70.01 2,563.79 213.56 1,967.46 163.89 92 2,320.68 193.31 3,993.82 332.69 952.20 79.32 2,904.77 241.97 2,229.14 185.69 2,095.68 174.57 3,641.32 303.32 858.91 71.55 2,643.26 220.18 2,015.45 167.89 93 2,374.40 197.79 4,125.62 343.66 973.15 81.06 2,994.82 249.47 2,283.50 190.22 2,144.10 178.60 3,761.48 313.33 877.81 73.12 2,725.21 227.01 2,064.43 171.97 94 2,429.27 202.36 4,261.76 355.00 994.56 82.85 3,087.66 257.20 2,339.00 194.84 2,193.56 182.72 3,761.48 313.33 897.12 74.73 2,725.21 227.01 2,114.43 176.13 95 2,485.31 207.03 4,261.76 355.00 1,016.43 84.67 3,087.66 257.20 2,395.65 199.56 2,193.56 182.72 3,761.48 313.33 897.12 74.73 2,725.21 227.01 2,114.43 176.13 96 2,485.31 207.03 4,261.76 355.00 1,016.43 84.67 3,087.66 257.20 2,395.65 199.56 2,193.56 182.72 3,761.48 313.33 897.12 74.73 2,725.21 227.01 2,114.43 176.13 97 2,485.31 207.03 4,261.76 355.00 1,016.43 84.67 3,087.66 257.20 2,395.65 199.56 2,193.56 182.72 3,761.48 313.33 897.12 74.73 2,725.21 227.01 2,114.43 176.13 98 2,485.31 207.03 4,261.76 355.00 1,016.43 84.67 3,087.66 257.20 2,395.65 199.56 2,193.56 182.72 3,761.48 313.33 897.12 74.73 2,725.21 227.01 2,114.43 176.13 99 2,485.31 207.03 4,261.76 355.00 1,016.43 84.67 3,087.66 257.20 2,395.65 199.56 Policies may be issued on an annual, semi-annual, quarterly or monthly mode. To obtain semi-annual premiums, multiply the above-quoted annual premium by 0.52. To obtain quarterly premiums, multiply the above quoted premium by 0.265. Preferred Rates will be used during open enrollment and guaranteed issue periods. Applicants who qualify for Household Discount multiply above rates by 0.93. CHLIC-HHD-OC-AA-TN PAGE 2 10/18

Cigna Health and Life Insurance Company MEDICARE SUPPLEMENT TENNESSEE Attained Age Rates -- Effective 10/1/2018 -- Area I (370-371, 373-374, 376-385) STANDARD ANNUAL & MONTHLY BANK DRAFT RATES FEMALE RATES MALE RATES Plan A Plan F Plan HDF Plan G Plan N Attained Plan A Plan F Plan HDF Plan G Plan N Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly Age Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly 4,820.40 401.54 7,359.54 613.05 1,948.08 162.28 5,476.25 456.17 4,445.92 370.34 Under 65 5,461.51 454.94 8,338.36 694.59 2,207.17 183.86 6,204.60 516.84 5,037.22 419.60 1,205.10 100.38 1,839.88 153.26 487.02 40.57 1,369.06 114.04 1,111.48 92.59 65 1,365.38 113.74 2,084.59 173.65 551.79 45.96 1,551.15 129.21 1,259.31 104.90 1,205.10 100.38 1,839.88 153.26 487.02 40.57 1,369.06 114.04 1,111.48 92.59 66 1,365.38 113.74 2,084.59 173.65 551.79 45.96 1,551.15 129.21 1,259.31 104.90 1,205.10 100.38 1,839.88 153.26 487.02 40.57 1,369.06 114.04 1,111.48 92.59 67 1,365.38 113.74 2,084.59 173.65 551.79 45.96 1,551.15 129.21 1,259.31 104.90 1,205.10 100.38 1,839.88 153.26 487.02 40.57 1,369.06 114.04 1,111.48 92.59 68 1,365.38 113.74 2,084.59 173.65 551.79 45.96 1,551.15 129.21 1,259.31 104.90 1,251.16 104.22 1,877.66 156.41 505.44 42.10 1,402.69 116.84 1,154.47 96.17 69 1,417.56 118.08 2,127.39 177.21 572.66 47.70 1,589.25 132.38 1,308.02 108.96 1,291.56 107.59 1,915.44 159.56 523.26 43.59 1,436.31 119.64 1,187.74 98.94 70 1,463.33 121.90 2,170.19 180.78 592.86 49.39 1,627.34 135.56 1,345.71 112.10 1,334.13 111.13 1,976.75 164.66 540.01 44.98 1,482.79 123.52 1,228.22 102.31 71 1,511.57 125.91 2,239.66 186.56 611.84 50.97 1,680.00 139.94 1,391.58 115.92 1,375.68 114.59 2,038.05 169.77 556.76 46.38 1,529.25 127.39 1,266.66 105.51 72 1,558.64 129.84 2,309.12 192.35 630.81 52.55 1,732.64 144.33 1,435.13 119.55 1,417.22 118.05 2,099.35 174.88 573.51 47.77 1,575.69 131.26 1,305.09 108.71 73 1,605.71 133.76 2,378.56 198.13 649.78 54.13 1,785.26 148.71 1,478.67 123.17 1,458.76 121.51 2,160.63 179.98 590.25 49.17 1,622.13 135.12 1,343.53 111.92 74 1,652.78 137.68 2,448.00 203.92 668.75 55.71 1,837.87 153.09 1,522.22 126.80 1,504.26 125.30 2,232.78 185.99 609.96 50.81 1,678.33 139.80 1,381.96 115.12 75 1,704.32 141.97 2,529.74 210.73 691.08 57.57 1,901.55 158.40 1,565.76 130.43 1,550.75 129.18 2,306.46 192.13 629.88 52.47 1,730.36 144.14 1,421.83 118.44 76 1,757.00 146.36 2,613.22 217.68 713.65 59.45 1,960.49 163.31 1,610.93 134.19 1,603.99 133.61 2,382.57 198.47 650.42 54.18 1,784.00 148.61 1,480.67 123.34 77 1,817.32 151.38 2,699.46 224.86 736.93 61.39 2,021.27 168.37 1,677.59 139.74 1,654.28 137.80 2,461.20 205.02 671.05 55.90 1,839.30 153.21 1,537.42 128.07 78 1,874.30 156.13 2,788.54 232.29 760.30 63.33 2,083.93 173.59 1,741.90 145.10 1,705.39 142.06 2,542.42 211.78 692.58 57.69 1,896.32 157.96 1,593.90 132.77 79 1,932.20 160.95 2,880.56 239.95 784.69 65.37 2,148.53 178.97 1,805.89 150.43 1,755.55 146.24 2,626.32 218.77 714.26 59.50 1,955.11 162.86 1,648.31 137.30 80 1,989.03 165.69 2,975.62 247.87 809.26 67.41 2,215.14 184.52 1,867.53 155.57 1,781.20 148.37 2,712.99 225.99 730.36 60.84 2,015.71 167.91 1,674.91 139.52 81 2,018.10 168.11 3,073.81 256.05 827.50 68.93 2,283.81 190.24 1,897.68 158.08 1,809.84 150.76 2,802.52 233.45 746.92 62.22 2,078.20 173.11 1,706.57 142.16 82 2,050.54 170.81 3,175.25 264.50 846.26 70.49 2,354.60 196.14 1,933.54 161.06 1,848.49 153.98 2,895.00 241.15 763.06 63.56 2,142.63 178.48 1,759.05 146.53 83 2,094.33 174.46 3,280.03 273.23 864.55 72.02 2,427.60 202.22 1,993.01 166.02 1,885.18 157.04 2,990.53 249.11 778.90 64.88 2,209.05 184.01 1,797.16 149.70 84 2,135.91 177.92 3,388.27 282.24 882.49 73.51 2,502.85 208.49 2,036.18 169.61 1,918.17 159.78 3,089.22 257.33 793.84 66.13 2,277.53 189.72 1,825.28 152.05 85 2,173.29 181.03 3,500.09 291.56 899.42 74.92 2,580.44 214.95 2,068.04 172.27 1,962.98 163.52 3,191.17 265.82 811.31 67.58 2,348.13 195.60 1,870.66 155.83 86 2,224.06 185.26 3,615.59 301.18 919.21 76.57 2,660.43 221.61 2,119.46 176.55 2,008.75 167.33 3,296.47 274.60 829.15 69.07 2,420.92 201.66 1,916.97 159.68 87 2,275.91 189.58 3,734.91 311.12 939.43 78.25 2,742.91 228.48 2,171.93 180.92 2,055.49 171.22 3,405.26 283.66 847.40 70.59 2,495.97 207.91 1,964.26 163.62 88 2,328.88 194.00 3,858.16 321.38 960.10 79.98 2,827.94 235.57 2,225.50 185.38 2,103.24 175.20 3,517.63 293.02 866.04 72.14 2,573.35 214.36 2,012.52 167.64 89 2,382.98 198.50 3,985.48 331.99 981.22 81.74 2,915.60 242.87 2,280.19 189.94 2,152.02 179.26 3,633.71 302.69 885.09 73.73 2,653.12 221.00 2,061.81 171.75 90 2,438.24 203.11 4,117.00 342.95 1,002.81 83.53 3,005.99 250.40 2,336.03 194.59 2,202.03 183.43 3,753.63 312.68 904.56 75.35 2,735.37 227.86 2,112.49 175.97 91 2,494.89 207.82 4,252.86 354.26 1,024.87 85.37 3,099.17 258.16 2,393.45 199.37 2,253.09 187.68 3,877.50 323.00 924.46 77.01 2,820.16 234.92 2,164.21 180.28 92 2,552.75 212.64 4,393.20 365.95 1,047.42 87.25 3,195.25 266.16 2,452.05 204.26 2,305.24 192.03 4,005.45 333.65 944.80 78.70 2,907.59 242.20 2,216.99 184.68 93 2,611.84 217.57 4,538.18 378.03 1,070.46 89.17 3,294.30 274.42 2,511.85 209.24 2,358.51 196.46 4,137.63 344.66 965.59 80.43 2,997.72 249.71 2,270.87 189.16 94 2,672.19 222.59 4,687.94 390.51 1,094.01 91.13 3,396.42 282.92 2,572.90 214.32 2,412.92 201.00 4,137.63 344.66 986.83 82.20 2,997.72 249.71 2,325.87 193.74 95 2,733.84 227.73 4,687.94 390.51 1,118.08 93.14 3,396.42 282.92 2,635.21 219.51 2,412.92 201.00 4,137.63 344.66 986.83 82.20 2,997.72 249.71 2,325.87 193.74 96 2,733.84 227.73 4,687.94 390.51 1,118.08 93.14 3,396.42 282.92 2,635.21 219.51 2,412.92 201.00 4,137.63 344.66 986.83 82.20 2,997.72 249.71 2,325.87 193.74 97 2,733.84 227.73 4,687.94 390.51 1,118.08 93.14 3,396.42 282.92 2,635.21 219.51 2,412.92 201.00 4,137.63 344.66 986.83 82.20 2,997.72 249.71 2,325.87 193.74 98 2,733.84 227.73 4,687.94 390.51 1,118.08 93.14 3,396.42 282.92 2,635.21 219.51 2,412.92 201.00 4,137.63 344.66 986.83 82.20 2,997.72 249.71 2,325.87 193.74 99 2,733.84 227.73 4,687.94 390.51 1,118.08 93.14 3,396.42 282.92 2,635.21 219.51 Policies may be issued on an annual, semi-annual, quarterly or monthly mode. To obtain semi-annual premiums, multiply the above-quoted annual premium by 0.52. To obtain quarterly premiums, multiply the above quoted premium by 0.265. Preferred Rates will be used during open enrollment and guaranteed issue periods. Applicants who qualify for Household Discount multiply above rates by 0.93. CHLIC-HHD-OC-AA-TN PAGE 3 10/18

Cigna Health and Life Insurance Company MEDICARE SUPPLEMENT TENNESSEE Attained Age Rates -- Effective 10/1/2018 -- Area II (372, 375) PREFERRED ANNUAL & MONTHLY BANK DRAFT RATES FEMALE RATES MALE RATES Plan A Plan F Plan HDF Plan G Plan N Attained Plan A Plan F Plan HDF Plan G Plan N Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly Age Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly 4,979.74 414.81 7,602.83 633.32 2,012.48 167.64 5,657.29 471.25 4,592.89 382.59 Under 65 5,642.05 469.98 8,614.00 717.55 2,280.14 189.94 6,409.71 533.93 5,203.75 433.47 1,244.94 103.70 1,900.71 158.33 503.12 41.91 1,414.32 117.81 1,148.22 95.65 65 1,410.51 117.50 2,153.50 179.39 570.03 47.48 1,602.43 133.48 1,300.94 108.37 1,244.94 103.70 1,900.71 158.33 503.12 41.91 1,414.32 117.81 1,148.22 95.65 66 1,410.51 117.50 2,153.50 179.39 570.03 47.48 1,602.43 133.48 1,300.94 108.37 1,244.94 103.70 1,900.71 158.33 503.12 41.91 1,414.32 117.81 1,148.22 95.65 67 1,410.51 117.50 2,153.50 179.39 570.03 47.48 1,602.43 133.48 1,300.94 108.37 1,244.94 103.70 1,900.71 158.33 503.12 41.91 1,414.32 117.81 1,148.22 95.65 68 1,410.51 117.50 2,153.50 179.39 570.03 47.48 1,602.43 133.48 1,300.94 108.37 1,292.52 107.67 1,939.73 161.58 522.15 43.49 1,449.06 120.71 1,192.64 99.35 69 1,464.42 121.99 2,197.72 183.07 591.59 49.28 1,641.78 136.76 1,351.26 112.56 1,334.25 111.14 1,978.76 164.83 540.56 45.03 1,483.80 123.60 1,227.01 102.21 70 1,511.71 125.93 2,241.93 186.75 612.46 51.02 1,681.14 140.04 1,390.20 115.80 1,378.23 114.81 2,042.10 170.11 557.87 46.47 1,531.81 127.60 1,268.83 105.69 71 1,561.54 130.08 2,313.70 192.73 632.06 52.65 1,735.54 144.57 1,437.58 119.75 1,421.16 118.38 2,105.43 175.38 575.17 47.91 1,579.80 131.60 1,308.53 109.00 72 1,610.17 134.13 2,385.45 198.71 651.66 54.28 1,789.92 149.10 1,482.57 123.50 1,464.07 121.96 2,168.75 180.66 592.46 49.35 1,627.78 135.59 1,348.24 112.31 73 1,658.79 138.18 2,457.19 204.68 671.26 55.92 1,844.28 153.63 1,527.55 127.25 1,506.99 125.53 2,232.06 185.93 609.76 50.79 1,675.75 139.59 1,387.94 115.62 74 1,707.41 142.23 2,528.92 210.66 690.86 57.55 1,898.63 158.16 1,572.54 130.99 1,553.98 129.45 2,306.59 192.14 630.12 52.49 1,733.81 144.43 1,427.65 118.92 75 1,760.66 146.66 2,613.37 217.69 713.93 59.47 1,964.41 163.64 1,617.52 134.74 1,602.01 133.45 2,382.71 198.48 650.70 54.20 1,787.56 148.90 1,468.83 122.35 76 1,815.08 151.20 2,699.61 224.88 737.24 61.41 2,025.30 168.71 1,664.18 138.63 1,657.01 138.03 2,461.33 205.03 671.93 55.97 1,842.97 153.52 1,529.61 127.42 77 1,877.40 156.39 2,788.69 232.30 761.29 63.42 2,088.09 173.94 1,733.05 144.36 1,708.97 142.36 2,542.56 211.80 693.24 57.75 1,900.11 158.28 1,588.25 132.30 78 1,936.26 161.29 2,880.72 239.96 785.44 65.43 2,152.82 179.33 1,799.48 149.90 1,761.76 146.75 2,626.47 218.78 715.48 59.60 1,959.01 163.19 1,646.59 137.16 79 1,996.07 166.27 2,975.79 247.88 810.63 67.53 2,219.56 184.89 1,865.59 155.40 1,813.58 151.07 2,713.13 226.00 737.87 61.46 2,019.74 168.24 1,702.80 141.84 80 2,054.79 171.16 3,073.99 256.06 836.01 69.64 2,288.36 190.62 1,929.27 160.71 1,840.09 153.28 2,802.67 233.46 754.50 62.85 2,082.35 173.46 1,730.28 144.13 81 2,084.81 173.67 3,175.43 264.51 854.85 71.21 2,359.30 196.53 1,960.41 163.30 1,869.67 155.74 2,895.16 241.17 771.61 64.27 2,146.90 178.84 1,762.98 146.86 82 2,118.33 176.46 3,280.22 273.24 874.23 72.82 2,432.44 202.62 1,997.46 166.39 1,909.59 159.07 2,990.70 249.12 788.28 65.66 2,213.46 184.38 1,817.20 151.37 83 2,163.57 180.23 3,388.46 282.26 893.13 74.40 2,507.85 208.90 2,058.89 171.51 1,947.50 162.23 3,089.39 257.35 804.64 67.03 2,282.08 190.10 1,856.57 154.65 84 2,206.52 183.80 3,500.28 291.57 911.66 75.94 2,585.59 215.38 2,103.49 175.22 1,981.59 165.07 3,191.34 265.84 820.08 68.31 2,352.82 195.99 1,885.62 157.07 85 2,245.13 187.02 3,615.79 301.20 929.15 77.40 2,665.74 222.06 2,136.41 177.96 2,027.87 168.92 3,296.65 274.61 838.13 69.82 2,425.76 202.07 1,932.50 160.98 86 2,297.58 191.39 3,735.11 311.13 949.60 79.10 2,748.38 228.94 2,189.52 182.39 2,075.15 172.86 3,405.44 283.67 856.56 71.35 2,500.96 208.33 1,980.35 164.96 87 2,351.15 195.85 3,858.37 321.40 970.49 80.84 2,833.58 236.04 2,243.73 186.90 2,123.45 176.88 3,517.82 293.03 875.41 72.92 2,578.48 214.79 2,029.19 169.03 88 2,405.87 200.41 3,985.70 332.01 991.84 82.62 2,921.42 243.35 2,299.07 191.51 2,172.77 180.99 3,633.91 302.70 894.67 74.53 2,658.42 221.45 2,079.05 173.19 89 2,461.75 205.06 4,117.23 342.97 1,013.66 84.44 3,011.99 250.90 2,355.57 196.22 2,223.16 185.19 3,753.83 312.69 914.35 76.17 2,740.83 228.31 2,129.96 177.43 90 2,518.84 209.82 4,253.10 354.28 1,035.96 86.30 3,105.36 258.68 2,413.25 201.02 2,274.82 189.49 3,877.71 323.01 934.47 77.84 2,825.79 235.39 2,182.32 181.79 91 2,577.37 214.69 4,393.45 365.97 1,058.75 88.19 3,201.62 266.70 2,472.57 205.97 2,327.57 193.89 4,005.68 333.67 955.02 79.55 2,913.39 242.69 2,235.75 186.24 92 2,637.14 219.67 4,538.43 378.05 1,082.04 90.13 3,300.87 274.96 2,533.11 211.01 2,381.45 198.37 4,137.86 344.68 976.03 81.30 3,003.71 250.21 2,290.28 190.78 93 2,698.19 224.76 4,688.20 390.53 1,105.85 92.12 3,403.20 283.49 2,594.89 216.15 2,436.48 202.96 4,274.41 356.06 997.51 83.09 3,096.82 257.97 2,345.94 195.42 94 2,760.53 229.95 4,842.91 403.41 1,130.18 94.14 3,508.70 292.27 2,657.95 221.41 2,492.68 207.64 4,274.41 356.06 1,019.45 84.92 3,096.82 257.97 2,402.76 200.15 95 2,824.21 235.26 4,842.91 403.41 1,155.04 96.21 3,508.70 292.27 2,722.32 226.77 2,492.68 207.64 4,274.41 356.06 1,019.45 84.92 3,096.82 257.97 2,402.76 200.15 96 2,824.21 235.26 4,842.91 403.41 1,155.04 96.21 3,508.70 292.27 2,722.32 226.77 2,492.68 207.64 4,274.41 356.06 1,019.45 84.92 3,096.82 257.97 2,402.76 200.15 97 2,824.21 235.26 4,842.91 403.41 1,155.04 96.21 3,508.70 292.27 2,722.32 226.77 2,492.68 207.64 4,274.41 356.06 1,019.45 84.92 3,096.82 257.97 2,402.76 200.15 98 2,824.21 235.26 4,842.91 403.41 1,155.04 96.21 3,508.70 292.27 2,722.32 226.77 2,492.68 207.64 4,274.41 356.06 1,019.45 84.92 3,096.82 257.97 2,402.76 200.15 99 2,824.21 235.26 4,842.91 403.41 1,155.04 96.21 3,508.70 292.27 2,722.32 226.77 Policies may be issued on an annual, semi-annual, quarterly or monthly mode. To obtain semi-annual premiums, multiply the above-quoted annual premium by 0.52. To obtain quarterly premiums, multiply the above quoted premium by 0.265. Preferred Rates will be used during open enrollment and guaranteed issue periods. Applicants who qualify for Household Discount multiply above rates by 0.93. CHLIC-HHD-OC-AA-TN PAGE 4 10/18

Cigna Health and Life Insurance Company MEDICARE SUPPLEMENT TENNESSEE Attained Age Rates -- Effective 10/1/2018 -- Area II (372, 375) STANDARD ANNUAL & MONTHLY BANK DRAFT RATES FEMALE RATES MALE RATES Plan A Plan F Plan HDF Plan G Plan N Attained Plan A Plan F Plan HDF Plan G Plan N Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly Age Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly 5,477.73 456.29 8,363.11 696.65 2,213.73 184.40 6,223.02 518.38 5,052.18 420.85 Under 65 6,206.26 516.98 9,475.40 789.30 2,508.15 208.93 7,050.68 587.32 5,724.12 476.82 1,369.43 114.07 2,090.78 174.16 553.43 46.10 1,555.75 129.59 1,263.04 105.21 65 1,551.56 129.25 2,368.85 197.33 627.04 52.23 1,762.67 146.83 1,431.03 119.20 1,369.43 114.07 2,090.78 174.16 553.43 46.10 1,555.75 129.59 1,263.04 105.21 66 1,551.56 129.25 2,368.85 197.33 627.04 52.23 1,762.67 146.83 1,431.03 119.20 1,369.43 114.07 2,090.78 174.16 553.43 46.10 1,555.75 129.59 1,263.04 105.21 67 1,551.56 129.25 2,368.85 197.33 627.04 52.23 1,762.67 146.83 1,431.03 119.20 1,369.43 114.07 2,090.78 174.16 553.43 46.10 1,555.75 129.59 1,263.04 105.21 68 1,551.56 129.25 2,368.85 197.33 627.04 52.23 1,762.67 146.83 1,431.03 119.20 1,421.77 118.43 2,133.71 177.74 574.36 47.84 1,593.96 132.78 1,311.90 109.28 69 1,610.86 134.18 2,417.49 201.38 650.75 54.21 1,805.96 150.44 1,486.38 123.82 1,467.68 122.26 2,176.63 181.31 594.62 49.53 1,632.17 135.96 1,349.71 112.43 70 1,662.88 138.52 2,466.12 205.43 673.70 56.12 1,849.25 154.04 1,529.22 127.38 1,516.06 126.29 2,246.31 187.12 613.65 51.12 1,684.99 140.36 1,395.71 116.26 71 1,717.69 143.08 2,545.07 212.00 695.27 57.92 1,909.09 159.03 1,581.34 131.73 1,563.27 130.22 2,315.97 192.92 632.68 52.70 1,737.78 144.76 1,439.39 119.90 72 1,771.19 147.54 2,624.00 218.58 716.83 59.71 1,968.91 164.01 1,630.82 135.85 1,610.48 134.15 2,385.63 198.72 651.71 54.29 1,790.56 149.15 1,483.06 123.54 73 1,824.67 152.00 2,702.91 225.15 738.39 61.51 2,028.71 168.99 1,680.31 139.97 1,657.68 138.09 2,455.27 204.52 670.74 55.87 1,843.33 153.55 1,526.74 127.18 74 1,878.16 156.45 2,781.82 231.73 759.94 63.30 2,088.49 173.97 1,729.79 144.09 1,709.38 142.39 2,537.25 211.35 693.13 57.74 1,907.19 158.87 1,570.41 130.82 75 1,936.73 161.33 2,874.70 239.46 785.32 65.42 2,160.85 180.00 1,779.28 148.21 1,762.22 146.79 2,620.98 218.33 715.77 59.62 1,966.31 163.79 1,615.71 134.59 76 1,996.59 166.32 2,969.57 247.37 810.97 67.55 2,227.84 185.58 1,830.60 152.49 1,822.71 151.83 2,707.47 225.53 739.12 61.57 2,027.27 168.87 1,682.57 140.16 77 2,065.13 172.03 3,067.57 255.53 837.42 69.76 2,296.90 191.33 1,906.36 158.80 1,879.86 156.59 2,796.82 232.97 762.56 63.52 2,090.12 174.11 1,747.07 145.53 78 2,129.89 177.42 3,168.79 263.96 863.98 71.97 2,368.10 197.26 1,979.43 164.89 1,937.94 161.43 2,889.11 240.66 787.02 65.56 2,154.91 179.50 1,811.25 150.88 79 2,195.68 182.90 3,273.37 272.67 891.70 74.28 2,441.51 203.38 2,052.15 170.94 1,994.94 166.18 2,984.45 248.60 811.66 67.61 2,221.71 185.07 1,873.07 156.03 80 2,260.27 188.28 3,381.39 281.67 919.61 76.60 2,517.20 209.68 2,122.19 176.78 2,024.09 168.61 3,082.94 256.81 829.95 69.14 2,290.58 190.81 1,903.31 158.55 81 2,293.30 191.03 3,492.97 290.96 940.34 78.33 2,595.23 216.18 2,156.45 179.63 2,056.63 171.32 3,184.68 265.28 848.77 70.70 2,361.59 196.72 1,939.28 161.54 82 2,330.16 194.10 3,608.24 300.57 961.66 80.11 2,675.69 222.88 2,197.21 183.03 2,100.55 174.98 3,289.77 274.04 867.11 72.23 2,434.80 202.82 1,998.92 166.51 83 2,379.92 198.25 3,727.31 310.49 982.44 81.84 2,758.63 229.79 2,264.78 188.66 2,142.25 178.45 3,398.33 283.08 885.11 73.73 2,510.28 209.11 2,042.23 170.12 84 2,427.17 202.18 3,850.31 320.73 1,002.83 83.54 2,844.15 236.92 2,313.84 192.74 2,179.74 181.57 3,510.48 292.42 902.09 75.14 2,588.10 215.59 2,074.18 172.78 85 2,469.64 205.72 3,977.37 331.32 1,022.07 85.14 2,932.32 244.26 2,350.05 195.76 2,230.66 185.81 3,626.33 302.07 921.94 76.80 2,668.33 222.27 2,125.75 177.07 86 2,527.34 210.53 4,108.63 342.25 1,044.56 87.01 3,023.22 251.83 2,408.47 200.63 2,282.67 190.15 3,745.99 312.04 942.22 78.49 2,751.05 229.16 2,178.38 181.46 87 2,586.26 215.44 4,244.21 353.54 1,067.54 88.93 3,116.94 259.64 2,468.11 205.59 2,335.79 194.57 3,869.61 322.34 962.95 80.21 2,836.33 236.27 2,232.11 185.93 88 2,646.45 220.45 4,384.27 365.21 1,091.02 90.88 3,213.57 267.69 2,528.98 210.66 2,390.05 199.09 3,997.31 332.98 984.13 81.98 2,924.26 243.59 2,286.96 190.50 89 2,707.93 225.57 4,528.95 377.26 1,115.02 92.88 3,313.19 275.99 2,591.13 215.84 2,445.48 203.71 4,129.22 343.96 1,005.79 83.78 3,014.91 251.14 2,342.96 195.17 90 2,770.72 230.80 4,678.41 389.71 1,139.56 94.92 3,415.89 284.54 2,654.57 221.13 2,502.30 208.44 4,265.48 355.31 1,027.91 85.63 3,108.37 258.93 2,400.56 199.97 91 2,835.10 236.16 4,832.79 402.57 1,164.63 97.01 3,521.79 293.36 2,719.83 226.56 2,560.33 213.28 4,406.25 367.04 1,050.53 87.51 3,204.73 266.95 2,459.33 204.86 92 2,900.85 241.64 4,992.28 415.86 1,190.25 99.15 3,630.96 302.46 2,786.42 232.11 2,619.60 218.21 4,551.65 379.15 1,073.64 89.43 3,304.08 275.23 2,519.31 209.86 93 2,968.01 247.23 5,157.02 429.58 1,216.43 101.33 3,743.52 311.84 2,854.38 237.77 2,680.13 223.25 4,701.86 391.66 1,097.26 91.40 3,406.50 283.76 2,580.54 214.96 94 3,036.58 252.95 5,327.20 443.76 1,243.19 103.56 3,859.57 321.50 2,923.75 243.55 2,741.96 228.40 4,701.86 391.66 1,121.40 93.41 3,406.50 283.76 2,643.03 220.16 95 3,106.63 258.78 5,327.20 443.76 1,270.54 105.84 3,859.57 321.50 2,994.56 249.45 2,741.96 228.40 4,701.86 391.66 1,121.40 93.41 3,406.50 283.76 2,643.03 220.16 96 3,106.63 258.78 5,327.20 443.76 1,270.54 105.84 3,859.57 321.50 2,994.56 249.45 2,741.96 228.40 4,701.86 391.66 1,121.40 93.41 3,406.50 283.76 2,643.03 220.16 97 3,106.63 258.78 5,327.20 443.76 1,270.54 105.84 3,859.57 321.50 2,994.56 249.45 2,741.96 228.40 4,701.86 391.66 1,121.40 93.41 3,406.50 283.76 2,643.03 220.16 98 3,106.63 258.78 5,327.20 443.76 1,270.54 105.84 3,859.57 321.50 2,994.56 249.45 2,741.96 228.40 4,701.86 391.66 1,121.40 93.41 3,406.50 283.76 2,643.03 220.16 99 3,106.63 258.78 5,327.20 443.76 1,270.54 105.84 3,859.57 321.50 2,994.56 249.45 Policies may be issued on an annual, semi-annual, quarterly or monthly mode. To obtain semi-annual premiums, multiply the above-quoted annual premium by 0.52. To obtain quarterly premiums, multiply the above quoted premium by 0.265. Preferred Rates will be used during open enrollment and guaranteed issue periods. Applicants who qualify for Household Discount multiply above rates by 0.93. CHLIC-HHD-OC-AA-TN PAGE 5 10/18

Locate appropriate Area according to the Applicant's ZIP Code in the ZIP Code chart below. TENNESSEE ZIP CODES: Area 3-digit ZIP Codes Area I 370 371, 373 374, 376 385 Area II 372, 375 CHLIC-HHD-OC-AA-TN PAGE 6 10/18

PREMIUM INFORMATION Your premium will increase each year because of the increase in Your attained age. We, Cigna Health and Life Insurance Company, can also raise Your premium if (a) We change the premiums or discounts which apply to all policies like Yours in this state where Your policy was issued; or (b) coverage under Medicare changes. We will send You a written notice at least thirty (30) days in advance when We change the premium or discounts for all policies like Yours in this state. DISCLOSURES Use this Outline to compare benefits and premiums among policies. READ YOUR POLICY VERY CAREFULLY This is only an Outline describing Your policy s most important features. The policy is Your insurance contract. You must read the policy itself to understand all of the rights and duties of both You and Cigna Health and Life Insurance Company. 30-DAY RIGHT TO RETURN POLICY If You find that You are not satisfied with Your policy, You may return it to Cigna Health and Life Insurance Company, PO Box 26700, Austin, TX 78755-0580. If You send the policy back to Us within thirty (30) days after You receive it, We will treat the policy as if it had never been issued and return all of Your payments. POLICY REPLACEMENT If You are replacing another health insurance policy, do NOT cancel it until You have actually received Your new policy and are sure You want to keep it. NOTICE This policy may not fully cover all of Your medical costs. Neither Cigna Health and Life Insurance Company nor its agents are connected with Medicare. This Outline of Coverage does not give all the details of Medicare coverage. Contact Your local Social Security Office or consult Medicare and You for more details. COMPLETE ANSWERS ARE VERY IMPORTANT When You fill out the application for the new policy, be sure to answer truthfully and completely all questions about Your medical and health history. We may cancel Your policy and refuse to pay any claims if You leave out or falsify important medical information. Review the application carefully before You sign it. Be certain that all information has been properly recorded. RENEWABILITY The policy is guaranteed renewable for life. CHLIC-HHD-OC-AA-TN PAGE 7 10/18

HOUSEHOLD DISCOUNT Affiliate means an insurance company that is under common ownership or control with Cigna Health and Life Insurance Company and that is a member of the same insurance holding company system. Household Discount is a discount that is available when another member of Your household enrolls or is enrolled in a Medicare Supplement policy provided by Cigna Health and Life Insurance Company or through an Affiliate of Cigna Health and Life Insurance Company. Household is defined as a condominium unit, a single-family home, or an apartment unit within an apartment complex. Assisted Living facilities, Group Homes, Adult Day Care facilities and Nursing Homes, or any other health residential facility are not included in the definition of Household. The household premium discount will be removed if the other Medicare Supplement policyholder whose policy status entitles You to the discount no longer resides with You or no longer has a Medicare Supplement policy through Cigna Health and Life Insurance Company or an Affiliate of Cigna Health and Life Insurance Company. However, if that person becomes deceased, Your discount will still apply. The addition or removal of the discount will occur on the billing cycle following the date We learn Your eligibility has changed. CHLIC-HHD-OC-AA-TN PAGE 8 10/18

PLAN A MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day You receive service as an inpatient in a hospital and ends after You have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN A PAYS YOU PAY HOSPITALIZATION* Semi-private room and board, general nursing, and miscellaneous services and supplies First 60 days 61 st thru 90 th day 91 st day and after: while using 60 lifetime reserve days once lifetime reserve days are used, additional 365 days beyond the additional 365 days SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entering a Medicare-approved facility within 30 days after leaving the hospital First 20 days 21 st thru 100 th day 101 st day and after BLOOD First 3 pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness All but $1,340 All but $335 per day All but $670 per day All approved amounts All but $167.50 per day 100% All but very limited copayment/ for outpatient drugs and inpatient respite care $335 per day $670 per day 100% of Medicare eligible expenses 3 pints $1,340 (Part A deductible) ** Up to $167.50 per day Medicare copayment/ **NOTICE: When Your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time, the hospital is prohibited from billing You for the balance based on any difference between its billed charges and the amount Medicare would have paid. CHLIC-HHD-OC-AA-TN PAGE 9 10/18

PLAN A MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR *Once You have been billed $183 of Medicare-approved amounts for covered services (which are noted with an asterisk), Your Part B deductible will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN A PAYS YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $183 of Medicare-approved amounts* Generally 80% Generally 20% PART B EXCESS CHARGES (above Medicare-approved amounts) BLOOD First 3 pints Next $183 of Medicare-approved amounts* 80% 20% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% PARTS A & B SERVICES MEDICARE PAYS PLAN A PAYS YOU PAY HOME HEALTH CARE MEDICARE- APPROVED SERVICES Medically-necessary skilled care services and medical supplies Durable medical equipment First $183 of Medicare-approved amounts* 100% 80% 20% CHLIC-HHD-OC-AA-TN PAGE 10 10/18

PLAN F MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day You receive service as an inpatient in a hospital and ends after You have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN F PAYS YOU PAY HOSPITALIZATION* Semi-private room and board, general nursing, and miscellaneous services and supplies First 60 days 61 st thru 90 th day 91 st day and after: while using 60 lifetime reserve days once lifetime reserve days are used, additional 365 days beyond the additional 365 days SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entering a Medicare-approved facility within 30 days after leaving the hospital First 20 days 21 st thru 100 th day 101 st day and after BLOOD First 3 pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness All but $1,340 All but $335 per day All but $670 per day All approved amounts All but $167.50 per day 100% All but very limited copayment/ for outpatient drugs and inpatient respite care $1,340 (Part A deductible) $335 per day $670 per day 100% of Medicare eligible expenses Up to $167.50 per day 3 pints ** Medicare copayment/ **NOTICE: When Your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time, the hospital is prohibited from billing You for the balance based on any difference between its billed charges and the amount Medicare would have paid. CHLIC-HHD-OC-AA-TN PAGE 11 10/18

PLAN F MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR *Once You have been billed $183 of Medicare-approved amounts for covered services (which are noted with an asterisk), Your Part B deductible will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN F PAYS YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $183 of Medicare-approved amounts* Generally 80% Generally 20% PART B EXCESS CHARGES (above Medicare-approved amounts) 100% BLOOD First 3 pints Next $183 of Medicare-approved amounts* 80% 20% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% PARTS A & B SERVICES MEDICARE PAYS PLAN F PAYS YOU PAY HOME HEALTH CARE MEDICARE- APPROVED SERVICES Medically-necessary skilled care services and medical supplies Durable medical equipment First $183 of Medicare-approved amounts* 100% 80% 20% CHLIC-HHD-OC-AA-TN PAGE 12 10/18

PLAN F MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR (CONT D.) OTHER BENEFITS NOT COVERED BY MEDICARE SERVICES MEDICARE PAYS PLAN F PAYS YOU PAY FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically-necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year Remainder of charges 80% to a lifetime maximum benefit of $50,000 $250 20% and amounts over the $50,000 lifetime maximum CHLIC-HHD-OC-AA-TN PAGE 13 10/18

HIGH-DEDUCTIBLE PLAN F MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day You receive service as an inpatient in a hospital and ends after You have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. **This high-deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,240 deductible. Benefits from the high-deductible Plan F will not begin until out-of-pocket expenses are $2,240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductible for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. SERVICES HOSPITALIZATION* Semi-private room and board, general nursing, and miscellaneous services and supplies First 60 days 61 st thru 90 th day 91 st day and after: while using 60 lifetime reserve days once lifetime reserve days are used, additional 365 days beyond the additional 365 days SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entering a Medicare-approved facility within 30 days after leaving the hospital First 20 days 21 st thru 100 th day 101 st day and after BLOOD First 3 pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness MEDICARE PAYS All but $1,340 All but $335 per day All but $670 per day All approved amounts All but $167.50 per day 100% All but very limited copayment/ for outpatient drugs and inpatient respite care AFTER YOU PAY $2,240 DEDUCTIBLE**, PLAN PAYS $1,340 (Part A deductible) $335 per day $670 per day 100% of Medicare eligible expenses Up to $167.50 per day 3 pints IN ADDITION TO $2,240 DEDUCTIBLE**, YOU PAY *** Medicare copayment/ ***NOTICE: When Your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time, the hospital is prohibited from billing You for the balance based on any difference between its billed charges and the amount Medicare would have paid. CHLIC-HHD-OC-AA-TN PAGE 14 10/18

HIGH-DEDUCTIBLE PLAN F MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR *Once You have been billed $183 of Medicare-approved amounts for covered services (which are noted with an asterisk), Your Part B deductible will have been met for the calendar year. **This high-deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,240 deductible. Benefits from the high-deductible Plan F will not begin until out-of-pocket expenses are $2,240. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductible for Part A and Part B, but does not include the plan s separate foreign travel emergency deductible. SERVICES MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $183 of Medicare-approved amounts* MEDICARE PAYS Generally 80% AFTER YOU PAY $2,240 DEDUCTIBLE**, PLAN PAYS Generally 20% PART B EXCESS CHARGES (above Medicare-approved amounts) 100% BLOOD First 3 pints Next $183 of Medicare-approved amounts* 80% 20% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% MEDICARE (PARTS A & B) IN ADDITION TO $2,240 DEDUCTIBLE**, YOU PAY HOME HEALTH CARE MEDICARE- APPROVED SERVICES Medically-necessary skilled care services and medical supplies Durable medical equipment First $183 of Medicare-approved amounts* SERVICES MEDICARE PAYS AFTER YOU PAY $2,240 DEDUCTIBLE**, PLAN PAYS 100% 80% 20% IN ADDITION TO $2,240 DEDUCTIBLE**, YOU PAY CHLIC-HHD-OC-AA-TN PAGE 15 10/18

HIGH-DEDUCTIBLE PLAN F MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR (CONT D.) OTHER BENEFITS NOT COVERED BY MEDICARE SERVICES FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically-necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year Remainder of charges MEDICARE PAYS AFTER YOU PAY $2,240 DEDUCTIBLE**, PLAN PAYS 80% to a lifetime maximum benefit of $50,000 IN ADDITION TO $2,240 DEDUCTIBLE**, YOU PAY $250 20% and amounts over the $50,000 lifetime maximum CHLIC-HHD-OC-AA-TN PAGE 16 10/18

PLAN G MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day You receive service as an inpatient in a hospital and ends after You have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY HOSPITALIZATION* Semi-private room and board, general nursing, and miscellaneous services and supplies First 60 days 61 st thru 90 th day 91 st day and after: while using 60 lifetime reserve days once lifetime reserve days are used, additional 365 days beyond the additional 365 days SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entering a Medicare-approved facility within 30 days after leaving the hospital First 20 days 21 st thru 100 th day 101 st day and after BLOOD First 3 pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness All but $1,340 All but $335 per day All but $670 per day All approved amounts All but $167.50 per day 100% All but very limited copayment/ for outpatient drugs and inpatient respite care $1,340 (Part A deductible) $335 per day $670 per day 100% of Medicare eligible expenses Up to $167.50 per day 3 pints ** Medicare copayment/ **NOTICE: When Your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time, the hospital is prohibited from billing You for the balance based on any difference between its billed charges and the amount Medicare would have paid. CHLIC-HHD-OC-AA-TN PAGE 17 10/18

PLAN G MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR *Once You have been billed $183 of Medicare-approved amounts for covered services (which are noted with an asterisk), Your Part B deductible will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $183 of Medicare-approved amounts* Generally 80% Generally 20% PART B EXCESS CHARGES (above Medicare-approved amounts) 100% BLOOD First 3 pints Next $183 of Medicare-approved amounts* 80% 20% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% PARTS A & B SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY HOME HEALTH CARE MEDICARE- APPROVED SERVICES Medically-necessary skilled care services and medical supplies Durable medical equipment First $183 of Medicare-approved amounts* 100% 80% 20% CHLIC-HHD-OC-AA-TN PAGE 18 10/18

PLAN G MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR (CONT D.) OTHER BENEFITS NOT COVERED BY MEDICARE SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY FOREIGN TRAVEL NOT COVERED BY MEDICARE Medically-necessary emergency care services beginning during the first 60 days of each trip outside the USA First $250 each calendar year Remainder of charges 80% to a lifetime maximum benefit of $50,000 $250 20% and amounts over the $50,000 lifetime maximum CHLIC-HHD-OC-AA-TN PAGE 19 10/18

PLAN N MEDICARE (PART A) HOSPITAL SERVICES PER BENEFIT PERIOD *A benefit period begins on the first day You receive service as an inpatient in a hospital and ends after You have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. SERVICES MEDICARE PAYS PLAN N PAYS YOU PAY HOSPITALIZATION* Semi-private room and board, general nursing, and miscellaneous services and supplies First 60 days 61 st thru 90 th day 91 st day and after: while using 60 lifetime reserve days once lifetime reserve days are used, additional 365 days beyond the additional 365 days SKILLED NURSING FACILITY CARE* You must meet Medicare s requirements, including having been in a hospital for at least 3 days and entering a Medicare-approved facility within 30 days after leaving the hospital First 20 days 21 st thru 100 th day 101 st day and after BLOOD First 3 pints Additional amounts HOSPICE CARE You must meet Medicare s requirements, including a doctor s certification of terminal illness All but $1,340 All but $335 per day All but $670 per day All approved amounts All but $167.50 per day 100% All but very limited copayment/ for outpatient drugs and inpatient respite care $1,340 (Part A deductible) $335 per day $670 per day 100% of Medicare eligible expenses Up to $167.50 per day 3 pints ** Medicare copayment/ **NOTICE: When Your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy s Core Benefits. During this time, the hospital is prohibited from billing You for the balance based on any difference between its billed charges and the amount Medicare would have paid. CHLIC-HHD-OC-AA-TN PAGE 20 10/18

PLAN N MEDICARE (PART B) MEDICAL SERVICES PER CALENDAR YEAR *Once You have been billed $183 of Medicare-approved amounts for covered services (which are noted with an asterisk), Your Part B deductible will have been met for the calendar year. SERVICES MEDICARE PAYS PLAN N PAYS YOU PAY MEDICAL EXPENSES IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT such as physician s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment First $183 of Medicare-approved amounts* Generally 80% Balance, other than up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the Insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. PART B EXCESS CHARGES (above Medicare-approved amounts) BLOOD First 3 pints Next $183 of Medicare-approved amounts* 80% 20% CLINICAL LABORATORY SERVICES Tests for diagnostic services 100% Up to $20 per office visit and up to $50 per emergency room visit. The copayment of up to $50 is waived if the Insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense. CHLIC-HHD-OC-AA-TN PAGE 21 10/18

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