This policy has exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, please contact your agent or the health plan.

Not connected with or endorsed by the U.S. Government or the federal Medicare program. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.

Once enrolled into your Medicare Supplement insurance plan, your coverage is guaranteed for the life of the plan with only two exceptions/restrictions: nonpayment of premiums and material misrepresentation.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.

This policy meets the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 65%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.

IMPORTANT NOTICE – A CONSUMER’S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM THIS INSURER.

Medicare Supplement insurance is always open enrolled and guaranteed issue in New York.

Coverage varies based on plan selected.

As of 1/1/2020 due to changes in Federal law, only individuals eligible for Medicare prior to 1/1/2020 can purchase Plan C, F and High Deductible F.

Anthem

Services provided by Empire HealthChoice Assurance, Inc., licensee of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield plans.

Services provided by Anthem HealthChoice Assurance, Inc. Independent licensee of the Blue Cross Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc.

Services provided by Empire HealthChoice Assurance, Inc., licensee of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield plans.

Services provided by Anthem HealthChoice Assurance, Inc. Independent licensee of the Blue Cross Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc.

APLANAM(17)-NY BC; APLANBM(17)-NY BC; APLANFM(17)-NY BC; APLANGM(17)-NY BC; APLANNM(17)-NY BC; APLANAM(17)-NY BCBS; APLANBM(17)-NY BCBS; APLANFM(17)-NY BCBS; APLANGM(17)-NY BCBS; APLANNM(17)-NY BCBS

SilverSneakers is a value-added program. It is not insurance and not part of the Medicare Supplement insurance plans.

Humana

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal.

MoO

Mutual of Omaha Insurance Company and its affiliates, United of Omaha Life Insurance Company, Omaha Insurance Company, United World Life Insurance Company, and Omaha Supplemental Insurance Company.