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M ONTANA

MEDICARE SUPPLEMENT INSURANCE 2014-2015 Rate Comparison Guide

COMMISSIONER OF SECURITIES & INSURANCE MONICA J. LINDEEN COMMISSIONER

MONTANA STATE AUDITOR

Dear Montana Senior: My office is pleased to provide you with the Medicare

Supplement Insurance 2014-2015 Rate Comparison Guide. I hope you will find it useful as you begin the process of determining which insurer is right for you. As always, being an informed consumer will help you make the best possible choice. Please be aware that Medicare Supplement plans recently underwent several important changes. The total number of plans was reduced to 11 from the 14 that were previously offered. Plans E, H, I, J and High Deductible J were eliminated.

One of my goals as Commissioner of Securities & Insurance is to help you be an informed buyer.

The changes also include the creation of Plans M and N, which have higher beneficiary cost-sharing. Plan N has benefits similar to Plan D but with a $20 co-pay for doctor visits and a $50 co-pay for emergency room visits. Plan M is similar to Plan D but only covers half of the Part A deductible. This guide gives you a general idea of rates available in Montana. For specific information, you must contact the individual insurance companies. Comparison shopping takes time, but can save you money. I encourage you to put this guide to work for you. Shop carefully, and contact our office if you have questions. Our knowledgeable staff is dedicated to assisting you with a wide range of insurance issues. Please call us toll-free at 1-800-332-6148 or from Helena at 444-2040. You will also find more useful information on our website at www.csi.mt.gov. Sincerely,

Commissioner of Securities & Insurance Montana State Auditor Phone: 1-800-332-6148 / (406) 444-2040 / Main Fax: (406) 444-3497 Securities Fax: (406) 444-5558 / PHS Fax: (406) 444-1980 / Legal Fax: (406) 444-3499 840 Helena Ave., Helena, MT 59601 Website: www.csi.mt.gov E-Mail: csi@mt.gov

TABLE

OF

CONTENTS

Medicare Supplement Benefit Plans At-a-Glance

page 3

Medicare Supplement Rate Charts Plans A-N

pages 4-15

Medicare Supplement Rate Charts High-Deductible Plan F

pages 16-19

Medicare Supplement Rate Charts - Under 65 Plans

pages 20-24

INTRODUCTION What is Medicare Supplement Insurance? Medicare Supplement insurance, sold by private companies, can help pay some of the health care costs that Medicare does not cover, like copayments, coinsurance and deductibles. Some policies also offer coverage for services that Medicare doesn’t cover, like medical care when you travel outside the U.S. if you have Medicare and you buy a supplement policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare Supplement policy pays its share.

8 things to know about Medicare Supplement Insurance Policies 1. You must have Medicare Part A and Part B. 2. If you have a Medicare Advantage Plan, you can apply for a Medicare Supplement policy, but make sure you can leave the Medicare Advantage Plan before your supplement policy begins. 3. You pay the private insurance company a monthly premium for your supplemental policy in addition to the monthly Part B premium that you pay to Medicare. 4. A supplemental policy only covers one person; if you and your spouse want supplemental coverage, you each must buy separate policies.

1

5. You can buy a Medicare Supplement policy from any insurance company that is licensed in Montana to sell one. 6. Any standardized Medicare Supplement is guaranteed renewable even if you have health problems. (This means the insurance company cannot cancel your policy as long as you pay the premium.) 7. Since January 1, 2006, supplemental policies are not allowed to cover prescription drugs. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). 8. It is illegal for anyone to sell you a supplemental policy if you have a Medicare Medical Savings Account (MSA) Plan.

How to compare Medicare Supplement Policies Medicare Supplement policies are standardized. Every Medicare Supplement policy must follow federal and state laws designed to protect you. Insurance companies can only sell a “standardized� policy identified with a letter (Plan A, for example). All policies offer the same basic benefits but some feature additional benefits, so you can choose which one meets your needs. Please refer to the chart on the following page.

Please note: The annual premium rates listed in this rate guide reflect data from surveys completed by the insurers and only those insurers who chose to respond to the survey are included in this guide.

Compare Insurance Rates Online If you prefer, use the Commissioner of Securities & Insurance website for quick and easy comparisons of auto, homeowners, and long-term care insurance rates.

www.csi.mt.gov

2

Medicare Supplement Benefit Plans At-a-Glance Basic Benefits

A

B

C

D

F*

G

K

L

M

N

Part A: Hospital coinsurance (Days 61 - 90)

X

X

X

X

X

X

X

X

X

X

Part A: Hospice care coinsurance

X

X

X

X

X

X

50%

75%

X

X

Medicare preventive care Part B coinsurance

X

X

X

X

X

X

X

X

X

X

Parts A and B: Blood

X

X

X

X

X

X

50%

75%

X

X

Part B: Coinsurance

X

X

X

X

X

X

50%

75%

X

X**

Additional Benefits

A

B

C

D

F*

G

K

L

M

N

X

X

X

X

50%

75%

X

X

X

X

X

X

50%

75%

50%

X

X

X

Skilled nursing facility care Part A deductible Part B deductible

X

X

X

Part B excess charges Foreign travel emergency

X

X

X

X

X

X $4,940

Out-of-pocket yearly limit

$2,470

Core benefits pay the patient’s share of Medicare’s approved amount for physician services 20% after a $147 annual deductible in 2014, the patient’s cost of a long hospital stay ($304/day for days 61-90, $608/day for days 91-150, all approved costs not paid by Medicare after day 150 to a total of 365 days lifetime) and charges for the first three pints of blood not covered by Medicare. *In addition, Plan F offers a high-deductible plan. You pay for Medicare covered costs up to the deductible amount ($2,140 in 2014) before your Medicare Supplement plan pays anything. Out-ofpocket expenses include the Medicare deductibles for Part A and B that would ordinarily be paid by the policy, but do not include the foreign emergency travel deductible. **Plan N pays 100% of the Part B coinsurance except up to $20 co-pays for office visits and up to $50 co-pays for emergency room visits (if the hospital admits you, the plan waives your emergency room co-pays). [Please note: Plans H, I and J are no longer sold to new policyholders. Current policyholders may choose to remain in their existing plan H, I or J, or they may retain the plan without the drug benefit and enroll in Part D, or they may choose to change to a different Medicare supplement plan or enroll in a Medicare Advantage Plan.] 3

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE

Premium Method

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

1537 1603 1669 1735 1801 1867 2416 2416 2416 2416 2416 2416 2416 2416 2416 2416

527 550 572 595 617 640 828 828 828 828 828 828 828 828 828 828

890 929 967 1005 1043 1081 1399 1399 1399 1399 1399 1399 1399 1399 1399 1399

AARP/United Healthcare Insurance Company PO Box 1017 Montgomeryville, PA 18936-0130 1-800-523-5800

65 No Age 66 Rating 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

960 1001 1042 1083 1124 1165 1508 1508 1508 1508 1508 1508 1508 1508 1508 1508

1285 1340 1395 1450 1506 1561 2020 2020 2020 2020 2020 2020 2020 2020 2020 2020

American Continental Insurance Company 800 Crescent Centre Drive Franklin, TN 37067 1-800-264-4000

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1026 1026 1026 1070 1118 1163 1208 1249 1288 1325 1359 1391 1418 1447 1472 1498

1294 1294 1294 1348 1409 1465 1521 1573 1623 1670 1712 1751 1788 1823 1856 1885

American Republic Corp. Insurance Company PO Box 14510 Des Moines, IA 50306-3510 1-888-755-3065

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1247 1247 1247 1247 1315 1376 1432 1483 1530 1574 1616 1657 1698 1740 1783 1827

1546 1612 1678 1744 1811 1877 2429 2429 2429 2429 2429 2429 2429 2429 2429 2429

1502 1502 1502 1566 1626 1687 1745 1800 1848 1896 1939 1976 2010 2042 2071 2097

1696 1696 1696 1696 1789 1872 1948 2018 2081 2141 2198 2254 2310 2367 2426 2485

1316 1316 1316 1371 1433 1490 1547 1600 1651 1698 1741 1781 1820 1855 1887 1917

1111 1158 1206 1254 1301 1349 1746 1746 1746 1746 1746 1746 1746 1746 1746 1746

1046 1046 1046 1090 1139 1184 1229 1271 1310 1349 1383 1415 1446 1474 1499 1523

803 803 803 803 847 887 922 955 985 1014 1041 1067 1094 1121 1148 1177

1106 1106 1106 1106 1166 1221 1270 1316 1357 1396 1434 1470 1506 1543 1582 1621

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE American Retirement Life Insurance Company 11200 Lakeline Blvd, Suite 100 Austin, TX 78717 1-866-459-4272

Premium Method

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Bankers Fidelity Life Insurance Company PO Box 105185 Atlanta, GA 30348-5185 1-800-241-1439

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

Attained Age

Bankers Fidelity Life Insurance Company PO Box 105185 Atlanta, GA 30348-5185 1-800-241-1439

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

Issue Age

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

1360 1360 1419 1475 1533 1587 1639 1691 1743 1795 1849 1904 1961 2020 2081 2143

1170 1170 1227 1281 1337 1389 1438 1488 1538 1588 1640 1692 1745 1800 1857 1915

1103 1103 1153 1202 1250 1297 1336 1374 1413 1452 1492 1527 1562 1600 1638 1676

1320 1320 1392 1428 1488 1560 1608 1680 1740 1800 1860 1920 1956 2004 2064 2100

1344 1344 1368 1428 1452 1500 1524 1572 1620 1644 1680 1716 1740 1764 1800 1812

1872 1872 1920 1956 2016 2076 2124 2172 2244 2280 2316 2388 2424 2448 2484 2520

932 932 975 1018 1060 1100 1140 1180 1220 1260 1302 1345 1390 1436 1484 1532

768 768 804 828 864 900 936 972 1008 1044 1080 1104 1128 1164 1188 1200

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE

Premium Method

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Blue Cross Blue Shield of Montana 560 N. Park Avenue Helena, MT 59601 1-800-447-7828

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1101 1136 1173 1210 1249 1299 1345 1393 1440 1489 1559 1615 1673 1732 1794 1859

1524 1575 1625 1677 1730 1800 1865 1930 1996 2065 2163 2240 2320 2405 2491 2582

1545 1596 1647 1699 1753 1825 1890 1956 2024 2092 2191 2270 2351 2436 2523 2616

1296 1339 1381 1425 1471 1530 1585 1640 1696 1756 1839 1904 1972 2043 2116 2193

1117 1152 1190 1228 1267 1319 1366 1412 1461 1511 1582 1639 1696 1757 1819 1886

Blue Cross Blue Shield of Montana 560 N. Park Avenue Helena, MT 59601 1-800-447-7828

65 Issue 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1495 1495 1662 1662 1662 1886 1886 1886 1886 1886 2153 2153 2153 2153 2153 2508

2070 2070 2302 2302 2302 2612 2612 2612 2612 2612 2981 2981 2981 2981 2981 3474

2079 2079 2311 2311 2311 2622 2622 2622 2622 2622 2993 2993 2993 2993 2993 3488

1760 1760 1959 1959 1959 2221 2221 2221 2221 2221 2535 2535 2535 2535 2535 2952

1517 1517 1687 1687 1687 1914 1914 1914 1914 1914 2184 2184 2184 2184 2184 2545

Central States Indemnity Company of Omaha 1212 N. 96th Street Omaha, NE 68114-2274 1-866-644-3988

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

920 920 920 980 1021 1058 1095 1129 1162 1197 1224 1260 1302 1342 1374 1410

1288 1288 1288 1368 1426 1479 1534 1587 1643 1693 1734 1786 1845 1901 1946 1997

1337 1337 1337 1410 1467 1517 1572 1627 1683 1731 1770 1821 1878 1931 1976 2026

1075 1075 1075 1143 1192 1235 1277 1317 1358 1397 1428 1471 1519 1566 1602 1645

1150 1150 1150 1199 1247 1290 1337 1383 1430 1471 1505 1548 1596 1642 1680 1722

928 928 928 978 1017 1054 1091 1128 1167 1200 1227 1263 1301 1339 1370 1404

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE Colonial Penn Life Insurance Company 111 East Wacker Dr Chicago, IL 60601 1-800-800-2254

Premium Method

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Combined Insurance Company of America PO Box 14207 Clearwater, FL 33766 1-800-544-5531

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

Equitable Life and Casualty Insurance Co 3 Triad Center Salt Lake City, UT 84180 1-877-358-4060

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80-89 90-99

Attained Age

Issue Age

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

1258 1303 1360 1419 1479 1541 1604 1670 1737 1806 1877 1950 2024 2101 2141 2182

1555 1616 1682 1751 1822 1895 1970 2047 2126 2207 2291 2377 2466 2557 2612 2669

1866 1939 2015 2093 2175 2260 2349 2441 2538 2638 2743 2853 2968 3089 3177 3272

1457 1518 1584 1653 1725 1799 1877 1958 2042 2130 2222 2318 2419 2525 2602 2685

581 594 619 645 673 703 734 768 803 841 880 922 966 1013 1050 1070

1105 1138 1179 1222 1268 1317 1369 1423 1480 1541 1605 1672 1743 1818 1874 1916

1349 1410 1474 1540 1609 1681 1756 1833 1915 2000 2088 2181 2279 2381 2454 2500

977 1028 1085 1144 1206 1270 1337 1406 1479 1554 1634 1716 1803 1894 1960 2032

1270 1313 1371 1416 1459 1500 1539 1576 1609 1638 1661 1684 1705 1725 1743 1760

1464 1513 1563 1616 1671 1727 1795 1865 1938 2014 2092 2144 2200 2255 2313 2372

1251 1290 1345 1389 1436 1482 1527 1570 1610 1648 1683 1717 1750 1780 1810 1840

1112 1112 1123 1123 1139 1153 1164 1173 1180 1192 1200 1209 1215 1220 1228 1235-1268 1267-1336

1575 1575 1592 1593 1618 1640 1659 1674 1685 1704 1719 1732 1743 1751 1764 1776-1855 1858-2009

1109 1110 1123 1124 1141 1156 1169 1180 1186 1200 1211 1220 1228 1235 1243 1252-1307 1309-1413

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE Everence Association PO Box 483 Goshen, IN 46527 1-800-348-7468

Family Life Insurance Company 10777 Northwest Freeway Houston, TX 77092 1-800-877-7703

Gerber Life Insurance Company PO Box 2271 Omaha, NE 68103-2271 1-877-778-0839

Premium Method

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

1340 1340 1406 1477 1541 1601 1659 1713 1764 1813 1860 1906 1950 1993 2034 2074+

1207 1207 1267 1330 1389 1445 1498 1549 1597 1642 1688 1730 1773 1812 1852 1890+

2395 2395 2499 2601 2703 2811 2924 3040 3158 3262 3366 3461 3553 3641 3723 4250

2132 2132 2235 2336 2435 2535 2633 2728 2824 2917 3009 3099 3187 3272 3347 3855

1096 1096 1151 1201 1242 1279 1313 1344 1373 1400 1426 1450 1474 1497 1518 1538+

Attained Age

1663 1663 1744 1822 1899 1977 2052 2128 2203 2276 2347 2418 2485 2551 2611 3007

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 - 89 90 - 99+

1303 1348 1408 1454 1499 1541 1582 1620 1654 1684 1709 1733 1756 1776 1796

1877 1939 2022 2089 2158 2225 2290 2352 2410 2463 2511 2557 2602 2644 2685

1574 1625 1694 1750 1809 1865 1920 1974 2023 2068 2110 2151 2190 2227 2263

1816-1944 1971-2082

2726-3053 3089-3453

2299-2591 2625-2959

2022 2022 2119 2217 2310 2405 2497 2588 2679 2768 2857 2941 3024 3105 3176 3657

2297 2297 2414 2520 2630 2741 2856 2968 3085 3192 3297 3396 3492 3584 3670 4218

2119 2119 2223 2326 2422 2520 2617 2714 2808 2902 2994 3081 3170 3256 3329 3835

1026 1026 1070 1116 1161 1204 1248 1291 1334 1376 1417 1458 1499 1539 1580 1619+

1905 1905 1997 2093 2179 2268 2355 2441 2526 2611 2693 2774 2849 2928 2995 3449

1676 1676 1753 1822 1894 1969 2047 2130 2213 2287 2359 2425 2490 2551 2609 2977

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE

Premium Method

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

831-1230 859-1272 892-1321 927-1373 957-1419 989-1467 1022-1516 1056-1567 1091-1619 1128-1674 1166-1730 1205-1789 1245-1849 1282-1904 1312-1949 1343-2248

1171-1739 1210-1797 1258-1868 1307-1942 1351-2007 1396-2075 1443-2145 1491-2217 1541-2292 1593-2369 1647-2449 1702-2532 1760-2618 1812-2696 1855-2761 1899-3185

Globe Life and Accident Insurance Company PO Box 8080 McKinney, TX 75070-9814 1-800-801-6831

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

807 871 933 992 1042 1095 1120 1126 1139 1149 1167 1177 1177 1177 1182 1182

1246 1324 1413 1505 1583 1659 1720 1742 1770 1793 1826 1857 1857 1859 1869 1869

1464 1537 1632 1723 1803 1878 1958 2035 2079 2115 2162 2204 2232 2260 2292 2328

1470 1548 1638 1732 1811 1888 1965 2043 2088 2125 2173 2217 2245 2272 2307 2342

Humana Market Point 1611 Alderson Ave Billings, MT 59102 1-406-238-7130

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & 85+

1401-2081 1451-2151 1504-2236 1563-2325 1616-2403 1670-2484 1726-2568 1784-2655 1844-2745 1906-2838 1971-2934 2037-3033 2106-3136 2169-3229 2221-3307 2274-3816

1522-2263 1573-2339 1635-2432 1699-2528 1756-2613 1816-2702 1877-2793 1940-2887 2005-2985 2073-3086 2143-3191 2215-3299 2290-3411 2358-3513 2415-3597 2473-4152

1784-2654 1843-2743 1916-2852 1992-2965 2059-3065 2128-3169 2200-3276 2274-3387 2351-3502 2430-3620 2513-3743 2598-3871 2685-4002 2765-4121 2832-4221 2900-4872

1819-2708 1881-2799 1955-2910 2032-3025 2100-3127 2171-3233 2244-3342 2320-3456 2398-3573 2479-3694 2563-3819 2650-3949 2740-4083 2821-4205 2889-4307 2959-4971

1160 1160 1217 1272 1326 1381 1433 1486 1538 1590 1639 1688 1736 1782 1823 1862

1411 1411 1481 1547 1613 1680 1742 1808 1870 1932 1994 2053 2111 2166 2217 2265

1603 1603 1685 1761 1835 1914 1992 2072 2153 2229 2302 2371 2439 2501 2561 2617

KSKJ Life, American Slovenian Catholic Union 2439 Glenwood Ave Joliet, IL 60435 1-800-321-0102

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

Attained Age

1360 1360 1427 1492 1556 1618 1680 1743 1803 1862 1921 1980 2035 2090 2137 2184

1671 1671 1745 1816 1887 1963 2041 2121 2204 2278 2350 2418 2481 2541 2601 2653

1368 1368 1435 1501 1563 1628 1689 1751 1812 1873 1932 1990 2046 2101 2150 2196

1140-1691 1178-1748 1224-1817 1272-1889 1314-1952 1358-2018 1404-2086 1451-2156 1499-2229 1550-2304 1602-2382 1656-2463 1711-2546 1762-2622 1804-2685 1847-3098

1224 1224 1285 1343 1400 1456 1512 1568 1622 1676 1729 1782 1831 1881 1924 1966

1116 1116 1166 1213 1261 1312 1364 1417 1472 1522 1570 1615 1658 1698 1738 1773

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

1388 1466 1532 1594 1661 1728 1780 1806 1816 1816 1816 1816 1816 1816 1816 1816

1987 2109 2215 2318 2429 2535 2627 2698 2724 2746 2765 2771 2771 2771 2771 2771

Attained Age

1401 1447 1504 1563 1616 1670 1726 1784 1844 1906 1971 2037 2106 2169 2221 2274

1522 1573 1635 1699 1756 1816 1877 1940 2005 2073 2143 2215 2290 2358 2415 2473

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1068 1068 1068 1107 1147 1188 1232 1274 1315 1353 1388 1419 1445 1466 1484 1497

AGE Liberty National Life Insurance Company PO Box 8080 McKinney, TX 75070 1-800-331-2512

Humana Insurance Company 500 West Main Louisville KY 40202 1-888-310-8482

Medico Insurance Company P.O. Box 10386 Des Moines, IA 50306 1-800-228-6080

Premium Method

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

2271 2405 2519 2644 2782 2914 3037 3132 3191 3238 3281 3308 3359 3408 3458 3551

1784 1843 1916 1992 2059 2128 2200 2274 2351 2430 2513 2598 2765 2832 2900 2970

1819 1881 1955 2032 2100 2171 2244 2320 2398 2479 2563 2650 2740 2821 2889 2959

1404 1404 1404 1460 1518 1578 1644 1709 1774 1839 1902 1964 2024 2083 2141 2197

1733 1847 1943 2050 2167 2281 2390 2471 2524 2567 2608 2636 2684 2735 2783 2881

831 859 892 927 957 989 1022 1056 1091 1128 1166 1205 1245 1282 1312 1343

1171 1210 1258 1307 1351 1396 1443 1491 1541 1593 1647 1702 1760 1812 1855 1899

1140 1178 1224 1272 1314 1358 1404 1451 1499 1550 1602 1656 1711 1762 1804 1847

1028 1028 1028 1075 1110 1160 1209 1259 1309 1359 1410 1461 1511 1561 1609 1655

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE

Premium Method

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

1500-1776 1560-1836 1608-1896 1668-1968 1728-2040 1800-2124 1860-2196 1932-2280 2016-2376 2088-2460 2160-2544 2232-2640 2316-2736 2400-2820 2472-2916 2556-3012

1272-1500 1332-1560 1380-1632 1440-1704 1500-1776 1572-1848 1644-1932 1716-2016 1788-2112 1860-2196 1944-2292 2016-2388 2100-2472 2172-2568 2256-2664 2328-2748

1500-1776 1560-1836 1620-1908 1680-1980 1740-2052 1800-2124 1872-2208 1944-2292 2016-2376 2088-2472 2172-2556 2244-2652 2328-2736 2400-2832 2484-2928 2556-3024

New West Health Services 130 Neill Ave Helena, MT 59601 1-406-457-2200

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1080-1272 1116-1320 1164-1368 1200-1416 1248-1476 1296- 1524 1344-1584 1392-1644 1440-1704 1488-1752 1524-1800 1560-1848 1596-1884 1620-1920 1644-1944 1656-1956

Old Surety Life Insurance Company PO Box 54407 Oklahoma City, OK 73154 1-800-272-5466

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 - 90

894 932 962 994 1038 1073 1107 1140 1166 1188 1207 1230 1251 1279 1304 1331- 495

Order of United Commercial Travelers of America 1801 Watermark Drive Suite 100 Columbus, OH 43215 1-800-848-0123

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Issue Age

1274-1593 1341-1675 1409-1761 1467-1834 1534-1917 1594-1992 1656- 2070 1714- 2141 1768 -2209 1818 -2272 1864 -2329 1907 -2382 1946 -2434 1985 -2481 2021-2524 2052 -3048

1188-1392 1236-1452 1284-1512 1344-1584 1404-1656 1464-1728 1524-1800 1596-1884 1656-1956 1728-2028 1788-2112 1860-2196 1944-2292 2028-2388 2124-2496 2220-2628

1429 1479 1534 1601 1668 1735 1805 1876 1946 2014 2075 2125 2175 2229 2282 2328-2724

1650 -2063 1736 - 2170 1823-2279 1899- 2374 1985 -2481 2063- 2578 2142- 2679 2216- 2770 2287- 2858 2353- 2941 2412- 3014 2466- 3084 2521- 3151 2570- 3210 2614- 3268 2656- 3946

1811- 2263 1899- 2375 1993- 2493 2088- 2609 2178- 2721 2256- 2820 2334- 2919 2407- 3010 2472- 3091 2537- 3171 2595- 3243 2643- 3303 2689- 3362 2730- 3414 2768- 3462 2805- 4105

1607 - 2008 1688 - 2110 1772 - 2217 1848 - 2310 1932 - 2415 2008 - 2511 2085 - 2606 2158 - 2698 2226 -2782 2290 - 2863 2347 - 2933 2400 -3001 2452 -3066 2500 -3125 2543 - 3179 2584 - 3841

1932 - 2416 1554 - 1943 2013 - 2516 1632 - 2041 2097 - 2621 1715 - 2145 2186 - 2731 1789 - 2237 2271 - 2839 1870 - 2337 2354 - 2941 1943 - 2428 2435 - 3044 2017 - 2522 2511 - 3,38 2088 - 2609 2580 - 3225 2153 - 2692 2647 -3308 2216 - 2768 2706 - 3383 2272 - 2839 2757 - 3447 2323 - 2904 2806 - 3508 2372 - 2966 2850 - 3561 2418 - 3023 2890 - 3612 2460 - 3076 2926 - 4280 2502 - 3716

1353 - 1691 1409 -1761 1468 - 1835 1530 - 1912 1590 -1987 1648 - 2059 1704 - 2131 1758 - 2197 1806 - 2258 1853 - 2315 1894 -2 368 1930 - 2413 1964 - 2455 1995 - 2493 2023 - 2528 2048 - 2996

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE Oxford Life Insurance 2721 N. Central Ave. Phoenix, AZ 85004 602-263-6666

Standard Life and Accident Insurance Company One Moody Plaza Galveston, TX 77550 1-888-350-1488

Premium Method

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79

Attained Age

80 - 85+ State Farm Mutual Automobile Insurance Company One State Farm Plaza Bloomington, IL 61710

Contact a local State Farm agent

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

1325 1362 1400 1455 1510 1565 1620 1675 1735 1794 1854 1913 1973 2029 2086 2145

913 939 965 1006 1046 1087 1128 1169 1215 1262 1308 1354 1401 1447 1493 1539

1185 1202 1219 1282 1346 1409 1472 1535 1579 1624 1669 1716 1761 1782 1804 1826

1963-2181 1992-2213 2021-2245 2050-2277 2073-2303 2105-2339 2143-2381 2171-2412 2216- 2462 2268- 2520 2336- 2595 2411- 2679 2494- 2771 2585- 2872 2680 -2978

2235- 2484 2268- 2520 2301- 2557 2334- 2593 2360- 2623 2397- 2663 2440- 2711 2472- 2746 2523- 2803 2582- 2869 2659- 2955 2745- 3050 2840- 3155 2943- 3271 3052- 3391

2541- 2824 2579- 2865 2616- 2907 2653- 2948 2684- 2982 2725- 3027 2774- 3082 2810- 3123 2868- 3187 2936- 3262 3023- 3359 3121- 3468 3229- 3587 3346- 3718 3470- 3855

1531 - 1702 1554- 1726 1576- 1751 1599- 1776 1617- 1797 1642- 1824 1672- 1857 1693 - 1881 1728 - 1920 1769 - 1965 1822 - 2024 1881 - 2090 1946- 2162 2016- 2241 2091- 2323

2090- 2322 2121- 2356 2151- 2390 2182- 2424 2207- 2452 2241- 2490 2281- 2535 2311- 2568 2359- 2621 2414- 2682 2486- 2762 2567- 2852 2655- 2950 2752- 3058 2853- 3170

1543- 1714 1566- 1740 1588- 1765 1611- 1790 1629- 1810 1654- 1838 1684- 1872 1706- 1896 1742- 1935 1782- 1980 1836- 2040 1895- 2105 1960- 2178 2032- 2258 2107- 2341

1008- 1120 1023- 1136 1038- 1153 1052- 1169 1064- 1183 1081- 1201 1100- 1223 1115- 1238 1138- 1264 1164- 1294 1199- 1332 1238- 1375 1281- 1423 1327- 1475 1376- 1529

2786-3505 3096-3894

3172-3991 3525-4434

3607-4537 4007-5041

2173-2734 2415-3038

2966-3731 - 2190-2755 3296-4146 2433-3061

1430-1799 1589-1999

870 931 983 1027 1062 1097 1131 1166 1201 1236 1271 1305 1340 1375 1401 1427

1362 1457 1539 1607 1662 1716 1771 1825 1880 1934 1989 2043 2097 2152 2193 2234

1376 1472 1554 1623 1678 1733 1788 1843 1898 1953 2008 2063 2118 2173 2215 2256

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE

Premium Method

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

State Mutual Insurance Company 210 East Second Avenue, Suite 301 Rome, GA 30131 1-888-764-1936

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1173 1173 1230 1286 1340 1393 1448 1500 1553 1605 1656 1706 1752 1800 1841 1882

1368 1368 1435 1500 1563 1628 1689 1751 1813 1874 1932 1990 2046 2101 2148 2195

1639 1639 1716 1794 1870 1949 2029 2112 2193 2269 2346 2417 2483 2549 2610 2665

1435 1435 1504 1571 1639 1707 1772 1837 1900 1963 2026 2087 2145 2204 2254 2302

1702 1702 1779 1850 1924 2001 2079 2163 2245 2323 2395 2465 2529 2589 2650 2705

1440 1440 1512 1581 1649 1714 1781 1846 1910 1974 2037 2098 2157 2215 2266 2314

1291 1291 1354 1415 1475 1535 1594 1653 1711 1767 1824 1878 1931 1982 2028 2073

1191 1191 1245 1295 1347 1400 1457 1515 1571 1627 1676 1725 1771 1813 1855 1894

Sterling Investors Life Insurance Company 210 East Second Avenue, Suite 105 Rome, GA 30161 1-877-896-6434

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1188 1188 1244 1303 1357 1412 1467 1520 1573 1626 1677 1728 1776 1822 1865 1906

1386 1386 1452 1520 1584 1648 1712 1774 1836 1898 1957 2017 2073 2128 2176 2223

1660 1660 1739 1817 1895 1975 2056 2139 2221 2299 2376 2447 2516 2582 2642 2700

1452 1452 1523 1592 1660 1729 1795 1862 1924 1989 2052 2114 2174 2232 2283 2333

1725 1725 1803 1874 1950 2026 2108 2192 2275 2352 2426 2496 2562 2623 2685 2740

1461 1461 1532 1602 1671 1737 1804 1870 1935 2001 2063 2125 2185 2242 2294 2344

1307 1307 1371 1434 1495 1555 1616 1675 1732 1791 1847 1902 1956 2008 2055 2099

1207 1207 1262 1312 1364 1418 1475 1535 1592 1645 1698 1747 1794 1836 1880 1918

Sterling Life Insurance Company Bellingham, WA 98227-5348 1-800-688-0010

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1411-1574 1447-1617 1484-1660 1522-1705 1561-1750 1601-1797 1643-1846 1685-1895 1711-1928 1738-1961 1765-1994 1793-2029 1821-2064 1835-2085 1849-2106 1774-2050

1436-1850 1474-1908 1513-1969 1552-2031 1593-2095 1635-2162 1678-2230 1722-2301 1751-2354 1780-2408 1809-2464 1839-2521 1869-2579 1886-2633 1903-2688 1829-2937

1619-2558 1665-2641 1712-2726 1760-2814 1809-2906 1860-3000 1913-3097 1967-3197 2004-3274 2041-3352 2080-3433 2119-3515 2159-3599 2188-3680 2217-3763 2139-3845

1430-2350 1470-2426 1511-2504 1554-2585 1598-2669 1643-2756 1689-2845 1736-2937 1769-3007 1802-3079 1836-3153 1871-3228 1906-3305 1931-3380 1957-3455 1889-3675

1259-2020 1295-2087 1332-2156 1370-2228 1409-2301 1449-2378 1490-2456 1533-2538 1562-2601 1592-2665 1623-2732 1654-2799 1686-2869 1710-2938 1734-3008 1675-3394

* An innovative Plan F is also available. Please contact a local agent.

552-876 567-906 584-936 600-968 618-1001 635-1034 653-1069 672-1105 685-1134 698-1163 712-1192 726-1223 740-1254 751-1286 761-1318 735-1651

1006-1512 1034-1563 1064-1616 1095-1670 1126-1727 1159-1785 1192-1845 1226-1907 1250-1956 1275-2006 1300-2057 1325-2110 1351-2163 1371-2218 1391-2273 1345-2844

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE

Premium Method

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

976 994 1015 1046 1081 1116 1149 1182 1211 1242 1272 1301 1330 1358 1384 1410-1643

1235 1261 1286 1326 1369 1413 1455 1497 1536 1574 1610 1648 1685 1721 1755 1788-2081

Thrivent Financial for Lutherans 4321 N Ballard Road Appleton, WI 54919-0001 1-800-847-4836

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

United American Insurance Company PO Box 8080 McKinney, TX 75070 1-800-331-2512

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1178 1245 1302 1354 1412 1468 1512 1531 1539 1539 1539 1539 1539 1539 1539 1539

1808 1919 2017 2109 2212 2308 2393 2444 2475 2495 2512 2522 2522 2522 2522 2522

2137 2263 2376 2491 2622 2748 2862 2946 3002 3046 3085 3117 3162 3207 3253 3333

United Healthcare Insurance Company/ AARP PO Box 1017 Montgomeryville, PA 18936-0130 1-800-523-5800

65 No Age 66 Rating 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

960 1001 1042 1083 1124 1165 1508 1508 1508 1508 1508 1508 1508 1508 1508 1508

1285 1340 1395 1450 1506 1561 2020 2020 2020 2020 2020 2020 2020 2020 2020 2020

1537 1603 1669 1735 1801 1867 2416 2416 2416 2416 2416 2416 2416 2416 2416 2416

1033 1221 1716 1053 1245 1751 1074 1270 1786 1108 1311 1844 1143 1351 1902 1181 1397 1964 1214 1438 2020 1249 1478 2076 1281 1516 2131 1314 1554 2184 1346 1593 2238 1377 1627 2290 1408 1664 2338 1436 1700 2387 1464 1731 2434 1494-1740 1766-2056 2483-2890

1495 1527 1554 1606 1658 1712 1763 1811 1859 1903 1950 1995 2039 2082 2122 2165-2519

1971 2097 2213 2328 2459 2583 2699 2784 2841 2884 2923 2955 3000 3046 3091 3173

1722 1503 1757 1533 1792 1564 1849 1613 1907 1666 1970 1720 2029 1771 2086 1821 2140 1869 2193 1914 2246 1959 2298 2006 2348 2050 2398 2094 2446 2135 2491-2901 2175-2532

1959 2073 2176 2281 2400 2514 2619 2695 2746 2786 2822 2850 2892 2933 2974 3048

1546 1612 1678 1744 1811 1877 2429 2429 2429 2429 2429 2429 2429 2429 2429 2429

1924 2048 2159 2271 2399 2520 2631 2714 2769 2810 2849 2880 2923 2967 3012 3092

994 1069 1134 1190 1249 1325 1360 1385 1416 1443 1477 1500 1518 1534 1545 1573

1396 1500 1592 1673 1758 1858 1910 1949 1991 2025 2072 2103 2131 2154 2171 2209

1637 1745 1838 1935 2047 2156 2257 2329 2380 2419 2459 2486 2532 2577 2622 2706

527 550 572 595 617 640 828 828 828 828 828 828 828 828 828 828

890 929 967 1005 1043 1081 1399 1399 1399 1399 1399 1399 1399 1399 1399 1399

1111 1158 1206 1254 1301 1349 1746 1746 1746 1746 1746 1746 1746 1746 1746 1746

INSURANCE COMPANY NAME ADDRESS & PHONE NUMBER

AGE

Premium Method

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

Annual Premium

United of Omaha Life Insurance Company Mutual of Omaha Plaza Omaha, NE 68175 1-800-667-2937

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1053 1053 1053 1098 1143 1188 1233 1279 1324 1369 1405 1441 1495 1549 1604 1658-2356

USAA Life Insurance Company

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1510 1544 1575 1608 1640 1671 1705 1736 1763 1789 1818 1844 1875 1891 1914 1934

9800 Fredericksburg Road

San Antonio, TX 78288 1-800-531-8722

Woodmen of the World PO Box 2397 Omaha, NE 68103-2397 1-877-223-3666

65 Attained 66 Age 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

1080 1247 1533 1080 1247 1533 1128 1300 1598 1165 1342 1651 1201 1385 1706 1235 1427 1759 1268 1467 1810 1299 1506 1859 1326 1541 1905 1350 1574 1947 1370 1602 1985 1390 1630 2022 1408 1657 2058 1425 1682 2091 1440 1705 2124 1456-1673 1729-2119 2156-2734

1526 1312 1526 1312 1526 1312 1591 1369 1657 1425 1722 1481 1788 1537 1853 1593 1918 1650 1984 1706 2036 1751 2088 1796 2167 1864 2245 1931 2324 1999 2402-3415 2066-2937 1720 1752 1789 1828 1865 1895 1932 1967 1993 2026 2060 2089 2118 2150 2175 2199 1203 1203 1254 1296 1339 1381 1422 1461 1497 1531 1561 1591 1620 1647 1673 1700-2184

1570 1208 1570 1208 1637 1259 1691 1301 1747 1344 1801 1386 1854 1427 1904 1466 1950 1503 1994 1536 2033 1567 2071 1597 2107 1626 2141 1653 2174 1680 2208-2798 1706-2191

"Premium Method": Attained Age : premium increases annually; Issue Age: premium based on the age that you purchased your policy; No Age : everyone pays the same premium regardless of their age.

1271 1295 1322 1350 1379 1401 1428 1452 1475 1497 1524 1544 1565 1589 1608 1626-1767 1038 1038 1082 1118 1155 1192 1228 1262 1294 1324 1352 1379 1405 1429 1453 1477-1925

Companies with a HIGH DEDUCTIBLE PLAN F INSURANCE COMPANY, ADDRESS & PHONE NUMBER

American Continental Insurance Company 800 Crescent Centre Drive Franklin, TN 37067 1-800-264-4000

Bankers Fidelity Life Insurance Company PO Box 105185 Atlanta, GA 30348-5185 1-800-241-1439

AGE

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80

Premium Method

High Deductible PLAN F Annual Premium

INSURANCE COMPANY, ADDRESS & PHONE NUMBER

Attained Age

591 591 591 616 640 664 686 708 726 746 763 777 791 803 815 824

American Republic Corp Insurance Company PO Box 14510 Des Moines, IA 50306-3510 1-888-755-3065

Issue Age

648 648 672 696 708 720 744 768 780 804 816 828 840 864 876 876

Blue Cross Blue Shield of Montana 560 N Park Ave Helena, MT 59601 1-800-447-7828

Premium Method

High Deductible PLAN F Annual Premium

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

613 613 613 615 650 682 710 735 757 778 797 816 835 854 875 897

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

653 674 696 716 740 770 796 823 851 880 921 954 987 1021 1057 1096

AGE

Companies with a HIGH DEDUCTIBLE PLAN F INSURANCE COMPANY, ADDRESS & PHONE NUMBER

AGE

Premium Method

Blue Cross Blue Shield of Montana 560 N Park Ave Helena, MT 59601 1-800-447-7828

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Issue Age

Humana Market Point 1611 Alderson Avenue Billings, MT 59102 1-406-238-7130

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 - 85+

Attained Age

High Deductible PLAN F Annual Premium 887 887 986 986 986 1119 1119 1119 1119 1119 1277 1277 1277 1277 1277 1489

615-908 635-938 660-974 685-1012 708-1046 731-1080 755-1116 780-1154 806-1192 832-1232 860-1274 889-1316 918-1360 945-1401 967-1434 990-1653

INSURANCE COMPANY, ADDRESS & PHONE NUMBER

AGE

Premium Method

High Deductible PLAN F Annual Premium

Colonial Penn Life Insurance Company 111 East Wacker Drive Chicago, IL 60601 1-800-800-2254

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

373 388 403 419 435 452 470 489 508 528 549 571 594 618 636 655

Liberty National Life Insurance Company PO Box 8080 McKinney, TX 75070 1-800-331-2512

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

418 454 488 512 539 564 589 623 650 676 700 707 717 727 738 792

Companies with a HIGH DEDUCTIBLE PLAN F INSURANCE COMPANY, ADDRESS & PHONE NUMBER

AGE

Premium Method

High Deductible PLAN F Annual Premium

INSURANCE COMPANY, ADDRESS & PHONE NUMBER

AGE

Premium Method

High Deductible PLAN F Annual Premium

New West Health Services 130 Neill Avenue Helena, MT 59601 1-406-457-2200

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

684 708 732 768 792 816 852 888 924 948 984 1020 1056 1092 1128 1164

Standard Life and Accident Insurance Company One Moody Plaza Galveston, TX 77550 1-888-350-1488

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

304 - 338 308 - 343 313 - 348 317 - 353 321 - 357 326 - 362 332 - 369 336 - 373 343 - 381 351 - 390 362 - 402 373 - 415 386 - 429 400 - 445 415 - 461 431-543 - 479-603

State Mutual Insurance Company 210 East 2nd, Suite 301 Rome, GA 30161 1-888-764-1936

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

669 669 700 729 757 787 819 851 883 914 942 969 995 1019 1042 1065

Thrivent Financial for Lutherans 4321 N Ballard Road Appleton, WI 54919-0001 1-800-847-4836

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Attained Age

519 529 540 557 575 594 610 628 645 662 677 692 707 722 737 750-874

Companies with a HIGH DEDUCTIBLE PLAN F INSURANCE COMPANY, ADDRESS & PHONE NUMBER

United American Insurance Company PO Box 8080 McKinney, TX 75070 1-800-331-2512

AGE

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 & up

Premium Method

High Deductible PLAN F Annual Premium

Attained Age

395 430 463 485 510 535 556 588 614 638 661 669 678 688 697 715

MEDICARE SUPPLEMENTS

65

FOR UNDER AGE

The following companies offer policies to those under age 65 and on Medicare for disability reasons. Please note:   

Premiums are annual Preferred=Non-Tobacco rating Standard = Tobacco rating

American Continental Insurance Company Preferred Standard

PLAN A 3581 3978

PLAN B 4511 5015

800-222-4774 PLAN HIGH F*

PLAN F 5195 5773

2044 2271

American Republic Insurance Company Preferred Standard

PLAN A 4602 5415

PLAN G 4590 5098

PLAN N 3645 4052

800-241-7598 PLAN HIGH F

PLAN F 5613 6603

2245 2641

PLAN K 2806 3302

PLAN L 4210 4952

Company offers a household discount – ask your agent.

American Retirement Life Insurance Company PLAN A 4476 4924

Preferred Standard

PLAN F 5546 6101

Blue Cross and Blue Shield of Montana Standard

PLAN N 3905 4296

800-447-7828

PLAN A

PLAN C

PLAN F

PLAN HIGH F

PLAN M

PLAN N

2786

3858

3874

1781

3280

2827

Central States Indemnity Company of Omaha Non-Tobacco Tobacco

800-800-1397 ext. 1174 PLAN G 4919 5411

PLAN A 3113 3458

PLAN B 3635 4037

PLAN C 4356 4837

866-644-3988 PLAN F 4524 5026

PLAN G 3891 4323

PLAN N 3139 3490

* High-deductible Plan F provides the same benefits as Plan F but with a high out-of-pocket amount payable before any benefits are paid by the Plan F.

20

Medicare Supplements for Under age 65 (cont) Colonial Penn Life Insurance Company Preferred Standard

PLAN A 3173 3526

PLAN B 3942 4380

PLAN F 5246 5829

Combined Insurance Company PLAN A 4512

Non-Tobacco

Equitable Life and Casualty PLAN A 3600 4308

Non-Tobacco Tobacco

Everence Association Non-Tobacco Tobacco

Gerber Life Insurance Company PLAN A 4132 4750

Humana Insurance Company Preferred Standard

PLAN A 4738 5445

PLAN K 1818 2020

800-544-5531 PLAN F 5856

PLAN L 3077 3419

PLAN F 5803 6670

PLAN M 3918 4354

PLAN N 3615 4017

PLAN N 4632

800-352-5170 PLAN F 5157 6168

PLAN N 3633 4344

800-222-5054 ext. 2463 PLAN F PLAN G 5150 4632 5676 5100

PLAN A 4200 4620

Non-Tobacco Tobacco

800-523-9100 HIGH F PLAN G 1052 4447 1168 4941

800-704-2180 PLAN F 6019 6918

PLAN N 3948 4344

PLAN G 5053 5808

888-361-2534 PLAN HIGH F

2328 2674

PLAN G 5003 5750

PLAN K 2615 3004

PLAN N 4327 4972

PLAN G 5004 5748

PLAN K 2616 3000

PLAN N 4332 4968

Humana Dental Insurance Company Preferred Standard

PLAN A 4740 5448

PLAN F 5808 6672

PLAN HIGH F

2328 2676

21

Medicare Supplements for Under age 65 (cont) KSKJ Life, American Slovenian Catholic Union Non-Tobacco Tobacco

PLAN A 3481 3868

PLAN B 4234 4705

PLAN C 4809 5347

815-741-2001 PLAN D PLAN F 4081 5012 4535 5570

PLAN C 4813 5352

800-877-7703 PLAN F 4788 5327

Manhattan Life Insurance Company Preferred Standard

PLAN A 3588 3990

Medico Insurance Company

New West Insurance Company Plan A Non-Tobacco 3216 Tobacco 3792

Plan C 4464 5268

Plan D 3780 4464

Plan F 4476 5280

Order of United Commercial Travelers of America Non-Tobacco Tobacco

PLAN B 4950 6188

Sentinel Security Life Insurance Company Non-Tobacco Tobacco

PLAN A 3187 3669

PLAN N 4230

PLAN B 3506 4030

Plan High F

2040 2400

Plan N 3516 4152

800-272-5466 PLAN F 2724 2996

PLAN A 1495 1644

PLAN A 3823 4778

PLAN N 3349 3722

406-457-2200

Old Surety Life Insurance Company Non-Tobacco Tobacco

PLAN M 3673 4082

PLAN N 3623 4029

800-228-6080 PLAN F 5700

PLAN A 4164

Non-Tobacco

PLAN G 3673 4557

800-848-0123 PLAN D PLAN F 4822 5797 6024 7249

PLAN C 5432 6789

PLAN G 4663 5830

888-749-7088 PLAN C SELECT PLAN D SELECT 4322 3496 4968 4019

22

PLAN N 3349 5074

PLAN F SELECT 4668 5366

Medicare Supplements for Under age 65 (cont) State Farm Mutual Automobile Insurance Company PLAN A 3763

Non-Tobacco

PLAN C 4376

State Mutual Insurance Company Non-Tobacco Tobacco

PLAN A 3519 3809

PLAN B 4105 4559

PLAN C 4918 5459

800-241-7598 PLAN D PLAN F 4304 5105 4779 5675

Sterling Life Insurance Company PLAN C

PLAN G

PLAN C SELECT PLAN K

PLAN G SELECT

Stonebridge Life Insurance Company PLAN A 2892 3192

Non-Tobacco Tobacco

PLAN F

PLAN F SELECT PLAN N

PLAN K SELECT

PLAN G 4512 4968

PLAN M 3873 4304

PLAN N 3573 3971

PLAN F INNOVATIVE PLAN N SELECT

PLAN N 3768 4152

800-847-4836

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN HIGH F

PLAN G

PLAN L

PLAN M

2582

3052 2841

4290 3358

3738 4112

4306 4737

1298 1428.

3758 4134

2440 2684

3088 3397

Transamerica Life Insurance Company Non-Tobacco Tobacco

PLAN G 4321 4811

800-362-6900 PLAN F 4896 5388

Thrivent Financial for Lutherans Nonsmoker Smoker

HIGH F 2008 2233

877-896-6434

Please call for rates in your area. PLAN A PLAN B PLAN F INNOVATIVE SELECT

Contact a local agent PLAN F 4420

866-205-9120

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN K

PLAN L

PLAN M

PLAN N

3864 4284

5088 5592

6012 6600

5544 6096

6048 6636

5544 6132

2772 3072

4116 4536

5088 5592

4752 5256

23

Medicare Supplements for Under age 65 (cont) United Healthcare Insurance Company Non-Tobacco Tobacco

PLAN A 2604 2864

PLAN B 3489 3838

PLAN C 4173 4590

United of Omaha Life Insurance Company Non-Tobacco Tobacco

PLAN A 2024 2304

Woodmen Accident and Life Company PLAN A Non-Tobacco 3177 Tobacco 3652

PLAN B 3704 4257

PLAN C 4583 5268

PLAN N 3015 3316

PLAN F 4578 5262

PLAN G 3937 4525

800-531-8722 PLAN F 2305 2628

PLAN N 1703 1944

800-869-0355 PLAN D PLAN F 3603 4693 4141 5394

World Corporation Preferred Standard

PLAN L 2418 2660

402-342-7600

PLAN A 3159 3631

USAA Non-Tobacco Tobacco

800-228-5800 PLAN F PLAN K 3194 1431 4613 1574

PLAN G 3617 4157

800-786-7557 PLAN A 4350 5118

PLAN F 5304 6241

24

PLAN HIGH F

2122 2496

PLAN N 3117 3583

N OTES

Need more help? Contact the Montana State Health Insurance Assistance Program (SHIP) at 1-800-551-3191 or 444-7781. Trained counselors are available to answer your questions. Knowledgeable staff is also available to assist you at the Office of Commissioner of Securities and Insurance, Montana State Auditor, 1-800-332-6148 or, in Helena, 444-2040.

www.csi.mt.gov

C ONTACT U S Monica J. Lindeen Commissioner of Securities & Insurance Montana State Auditor 840 Helena Avenue, Helena, MT 59601

Consumer Hotline 406-444-2040 (Outside Helena)

1-800-332-6148

Fax: 406-444-3497 TDD Phone: 406-444-3246 E-mail: csi@mt.gov

www.csi.mt.gov

The Office of the Commissioner of Securities and Insurance, Montana State Auditor, attempts to provide reasonable accommodation for any known disability that may interfere with a person's ability to participate in any service, program or activity of the agency. Alternative accessible formats of this document will be provided upon request. For more information call (406) 444-2040 or TDD (406) 444-3246.


Montana Medicare Supplement Insurance Rate Comparison Guide