IMPORTANT NOTICE TO PERSONS ON MEDICARE

This policy or certificate duplicates some Medicare Benefits

THIS IS NOT A
MEDICARE SUPPLEMENT INSURANCE POLICY

This policy or certificate provides limited benefits, if you meet the policy conditions, for hospital and medical expenses only when you are treated for one of the specific diseases or health conditions listed in the policy or certificate. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare supplement insurance policy.

This policy or certificate duplicates Medicare benefits when it pays:
hospital or medical expenses up to the maximum stated in the policy.

Medicare generally pays for most or all of these expenses.

Medicare pays extensive benefits for medically necessary services (regardless of the reason you need them). These include:

• hospitalization
• physician services
• hospice
• other approved items and services

Before You Buy This Policy:
Check the coverage in all health insurance policies you already have.

For more information about Medicare and Medicare supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.

For help in understanding your insurance, contact your state insurance department or state senior insurance counseling program.

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