consumer medicare supplement guide for kentucky

7/29/2019 consumer medicare supplement guide for Kentucky

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Commonwealth of Kentucky

Public Protection Cabinet

Department of Insurance

Th Kntuky Dpartmnt of Insuran dos not disriminat on th basis of ra,

olor, rligion, sx, national origin, sxual orintation or gndr idntity, anstry, ag,

disability or vtran status. Th abint provids, on rqust, rasonabl aom-

modations nssary to afford an individual with a disability an qual opportunity to

partiipat in all srvis, programs and ativitis. To rqust matrials in an altrnat

format, contact the Department of Insurance, Communications Ofce, P. O. Box 517,Frankfort, KY 40602-0517, toll-free 800-595-6053 (KY only) or 502-564-3630 (out ofstate). Hearing and speech-impaired persons can contact an agency by using theKntuky Rlay Srvi, a toll-fr tlommuniation srvi. For Voi to TDD all

800-648-6057. For TDD to Voice, call 800-648-6056.


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CONTENTS

Consumer Guide toMedicare Supplement Insurance

About this consumer guide 1

How to use this guide 2

Medicare Advantage plans available in Kentucky 2

Medicare prescription drug plans 3

Questions about Medicare? 5

Explanation of Medigap benets 6

Frequently asked questions 6

Some terms to know 8

Choosing your plan 9

How to use the premium charts 12

Rate comparison section 13

Includes:

Comparison of rates for standard Medigap plans

Comparison of rates for Medicare Select plans

Company address and phone chart


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About this consumer guide

Th Kntuky Dpartmnt of Insuran

offrs this onsumr guid providing d-

taild omparison of rats that insuran

ompanis harg for Mdiar suppl-mnt, also rfrrd to as Mdigap, ovr-

ag in Kntuky.

Th dpartmnt appriats th insur-

an ompanis that providd rats for

this publiation. This guid allows us to

provid valuabl rat omparisons for all

onsumrs.

W plan to updat th rat ompari-

sons throughout th yar. In th limitdinstans whr ompanis did not r-

spond or provid th rqustd rat infor-

mation or ould not provid th informa-

tion by ZIP code, those companies do nothav thir rats listd in this guid.

Tips for purchasing

Medigap insurance

It is illgal for insurrs to sll a

onsumr mor than on Mdigap

poliy.

Whn rplaing your xisting

poliy, do not anl th old on

until the new one is in force. Besur to stat in th appliation that

you wish to rpla your old poliy.

Answr all halth qustions au-

ratly. Remember that you have a 30-

day fr look priod during whih

you an rturn th poliy for a full

rfund.

Nvr pay in ash. Whn purhas-

ing a poliy, mak th hk pay-

abl to th insuran ompany.

Policies sold after 1992 are stan-dardized. This means a Plan F

from on ompany will hav thsame benets as a Plan F fromanother company. Policies issuedprior to 1992 may differ somewhatfrom ompany to ompany.

Effective June 2010, the Medi-care Improvements for Patientsand Providers Act (MIPPA) madehangs to Mdiar supplmnt

poliis inluding adding mor

benets, eliminating four plans andrating two nw ons.

Disclaimer: Th Kntuky Dpartmnt

of Insuran ompild this information

from rats quotd by th ompanis.

Th ompanis ar rsponsibl for a-

curacy. Please be aware that rates aresubjt to hang. You may onsidr

ontating th ompany or a loal in-

suran agnt to vrify rats. You angt th most up-to-dat rats by going

onlin at:

http://insurancekygov/

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How to use this guide

Th most valuabl part of this guid is th list of Mdigap rats hargd by in-

suran ompanis doing businss in Kntuky.

As you bgin sarhing for ompany hois, it is important to rogniz that

som ompanis offr this insuran throughout Kntuky and othr ompanis

offr plans only in rtain aras of th stat.

Did what typ of plan you want. You hav th hoi of standardizd M-digap plans, inluding a high-ddutibl plan.

For hlpful information rlatd to this dision, plas rfr to th Guide to

Health Insurance for People with Medicare: Choosing A Medigap Policy, a publi-

cation from the Centers for Medicare and Medicaid Services (CMS). This guid isavailable from the Department of Insurance by calling 800-595-6053, TDD users800-648-6056, or on the CMS Web site: www.mdiar.gov.

On you narrow down th ompanis offring th bst plans and rats in your

ara, all th ompanis dirtly for mor information or ontat a loal insuran

agnt. W hav inludd ontat information and a phon numbr for ah om-pany.

Medicare Advantage plans available in Kentucky

Medicare Advantage Plans ar halth plan options that ar availabl through

Part C of the Medicare program. If you join one of these plans, you generallyobtain all of your Mdiar-ovrd halth ar through that plan, rathr than

Medicare. This may include prescription drug coverage and other benets not tra-ditionally covered such as vision, dental, etc. Medicare Advantage Plans include:Health Maintenance Organizations (HMO), Preferred Provider Organizations(PPO), Fee-for-Service (FFS) plans, Private Fee-for-Service (PFFS) plans, Medi-cal Savings Account (MSA) plans or Medicare Special Needs plans. These plansar rgulatd by th fdral govrnmnt.

When you join a Medicare Advantage Plan, you use your health insurance cardas proof of insurance to obtain your health care benets. You may have to seedotors who blong to th plan or go to rtain hospitals to gt srvis.

To join a Medicare Advantage Plan, you must have Medicare Part A and Part B.You still will be required to pay your monthly Medicare Part B premium. You alsomight have to pay a monthly premium to your Medicare Advantage Plan.

If you join a Medicare Advantage Plan, you cannot use your Medigap policy.This mans your Mdigap poliy wont pay any ddutibls, o-insuran, or

other cost-sharing under your Medicare Health Plan. Therefore, you may want todrop your Medigap policy if you join a Medicare Advantage Plan. However, youhav a lgal right to kp th Mdigap poliy.

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For mor updatd information about Mdiar Advantag plans and whr

these plans are offered, call 800-MEDICARE (800-633-4227) or go to thewww.mdiar.govWeb site. (Look for the Medicare & You publication.)

Medicare prescription drug plans

The Medicare Prescription Drug, Improvement, and Modernization Act of 2003

addd a nw prsription drug program to Mdiar, whih bam availabl toMedicare beneciaries in 2006. All people with Medicare are eligible to enroll inplans that ovr prsription drugs.

You have a seven-month enrollment period in which to enroll in Medicare PartD, bginning thr months prior to boming ligibl for Mdiar. If you do not

sign up when you are rst eligible, you may pay a penalty if you sign up at alater date. In some situations, you can delay enrolling in Medicare Part D withouthaving to pay a pnalty. If you dlay nrollmnt baus you had prior rdit-

abl ovrag and that plan trminats, thn you would b prmittd a spial

enrollment period. However, you should act promptly. An example of creditableovrag would b if you hav group halth ovrag through your mployr that

provides prescription coverage as good as or better than Part D. A few other cir-umstans would also allow you to nroll outsid th nrollmnt window, suh

as bing ovrd by Mdiaid, qualifying for xtra hlp, or if you ar in a nursing

home. Call 800-MeDIcARe for mor information.extra hlpis availabl for popl with low inoms and limitd assts. Most

signicantly, people with Medicare who have incomes and assets below a cer-tain level may qualify. If you qualify, a portion or all of your Part D premiums will

be paid for you. You may even qualify for a better benet. Call your local SocialSecurity Ofce for more information.

Thr will b an annual opn nrollmnt priod vry yar to nroll or hang

plans in Medicare Part D. This period will be from Nov. 15 to Dec. 31 with cover-age beginning on Jan. 1.

Obtaining prescription drug coverage

In addition to enrolling in a Part D or Medicare Advantage plan, some peopleobtain prsription drug ovrag through thir mployr or TRIcARe, a pro-

gram of th Dpartmnt of Dfns.

Formulary

When choosing a Part D plan, it is important to make sure your prescriptiondrugs ar ovrd sin not all drugs ar ovrd by ah plan. eah plan d-

vlops its own list of ovrd drugs, alld a formulary, whih must inlud mor

than one drug in each classication.

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Questions about Medicare?For th latst information about Mdiar, visit www.mdiar.gov or all

800-MEDICARE (800-633-4227). TTY users should call 877-486-2048. To get acopy of this information in Spanish, call 800-MEDICARE (800-633-4227). TTYusers should call 877-486-2048. You can also obtain assistance by calling the

SHIP program at 877-293-7447.

Some people under the age of 65 are eligible for Medigapinsuran du to disability or othr onditions.

Rate information for those under age 65 is available online athttp://insuran.ky.gov/.

Call the Department of Insurance at 800-595-6053 (KY only)or 502-564-3630 (out of state) for more information.

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Explanation of Medigap benets

Part A Inpatient Hospital Deductible: This amount may hang annually,

but must be paid at the time of the rst admission during a benet period. Theamount for 2009 is $1,068 (total for days 1-60), $267 per day (days 61-90), and$534 per lifetime reserve day (up to 60 extra days over your lifetime that Medi-

care will pay for if you are in the hospital for more than 90 days during a benetperiod).Part A Skilled Nursing Facility Coinsurance: For the rst 20 days Medicarepays in full. During days 21-100, there is a $133.50 per day co-payment thatmust b paid by th patint.

Part B Deductible: This is an annual paymnt that th patint must pay prior to

receiving benets offered by Part B. It is currently $135.Foreign Travel Emergency: This benet pays for emergency care outside theUnited States beginning the rst 60 days of each trip. There is a $250 deductible,

then the benet pays 80 percent of the cost, up to $50,000 in your lifetime.Part B Excess Charges: This provides coverage for Part B excess chargeswhen the physician fees are more than Medicare will pay. Physicians who acceptassignmnt will not harg mor.

Prescription Drugs: Standardizd Mdigap poliis an no longr provid ov-

rag for prsription drugs.

Frequently asked questions

Q: What is Medigap insurance?A: This product is sold by private insurance companies to help ll the gaps inMdiar ovrag. Mdiar is providd by th fdral govrnmnt. All of th

information in this guid rlats to th supplmntal poliis sold by privat insur-

an ompanis.

Q: What is Medicare SELECT?

A: This is one type of Medigap plan where you can choose from Plans A-D, F,G, K-N but you agree to use a restricted network of participating providers to getyour full benets. The exception to using this network is in an emergency for cov-

rd srvis.Q: How can I obtain information about where Medicare Advantage plans are

offered?

A: Go towww.Mdiar.gov for mor information about this planor call 800-MEDICARE (800-633-4227).

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Q: What do you think of Medicare Advantage plans? Should I enroll in one?

A: This department cannot offer opinions or rate HMOs or insurance companies.considr your nds and whats bst for your halth whn making this dision.

Mdiar Advantag plans ar rgulatd by th cntrs for Mdiar and Mdi-

aid Services (CMS). Medicare Advantage plans typically offer HMO, PPO, FFS orPFFS plans.Q: Which Medigap policy is best? Do you rate them?

A: By law, the Kentucky Department of Insurance cannot rate policies. However,

A.M. Best Companydoes provide nancial rating information. The A.M. Best rat-

ings ar found at many publi libraris and may b assibl by your insuran

agnt. You an do a ratings sarh through its Wb sit, www.ambst.om.

Q: Why are my choices limited to specifc companies and certain plans?

A: Private insurance companies have made business decisions regarding whereto offer coverage. These areas of coverage are decided by county or ZIP code.

Regarding the choice of plans, insurers must offer Plan A, but all others are op-tional. If a company does more than Plan A, it must offer Plan C or Plan F aswll.

Q: What is the TRICARE for Life program for military retirees?

A: TRICARE for Life is a program for Medicare-eligible, uniformed services ben-eciaries age 65 and older, that acts as a second payer to Medicare. Eligibleindividuals must be enrolled in Medicare Part A and Part B and have a currentU.S. Uniformd Srvis ID ard. Th program has no annual prmium, and

pays all Mdiar o-paymnts and ddutibls. In addition, th TRIcARe Snior

Pharmacy program provides coverage not available under Medicare. For moredetailed information call toll free 888-DOD-LIFE (888-363-5433) or the regionalnumber 866-773-0404 or visit www.tricare.osd.mil/t/.

You can reach the federal governments Medicare ofce at 800-MEDICARE(800-633-4227) or its Web site: www.mdiar.gov.

You can reach the Kentucky Department of Insurance at 800-595-6053 (KYonly). The deaf or hard-of-hearing can call 800-648-6056 (TDD) or visit ourWb sit at http://insuran.ky.gov/.

Some providers may not le claims on Medigap

insurance It is your responsibility to make sure

claims are led.

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Some terms to know

Cost Sharing - This indiats what portion of th harg is ovrd by Mdiar, a

Mdigap plan or th amount paid by th onsumr.

Formulary - This is a list of rtain kinds of prsription drugs that a Mdiar drug

plan will ovr, subjt to limits and onditions.

Medicare - This is a federal insurance program for people age 65 and older, certain

disabled people under 65, and certain people with permanent kidney failure.Medicare Advantage - Ths plans riv a prpaid monthly sum from th fdralgovernment to provide care. The benets include services available under Medicare.The insurance company or HMO will provide all your benets instead of Medicare.Medicare Advantage typically offers an HMO, PPO or FFS plan.Medicare Health Maintenance Organization (HMO) - In a Medicare HMO plan,you receive benets from an insurance company, not from Medicare. These plans donot provid standardizd Mdigap ovrag. enrolls must us a rstritd pro-

vider network within the health plan. Many of these plans provide additional benetssuh as prsription drugs, vision, dntal and haring ar. Ths plans ar rgu-

latd by th cntrs for Mdiar and Mdiaid Srvis, not th Kntuky Dpart-

mnt of Insuran.

Medicare Preferred Provider Organization (PPO) - Mdiar Advantag plan

choices have expanded to include regional PPO plans. Regional PPOs offer morechoices for Medicare health coverage. PPOs can help you save money by choosingfrom dotors and providrs on a plans prfrrd list, but usually dont rquir you

to gt a rfrral.

Medicare Fee-for-Service (FFS)/Private Fee-for-Service (PFFS) -Ths ar

halth ar plans offrd by privat insuran ompanis. Th insuran ompany,

rathr than th Mdiar program, dids how muh it pays and how muh you pay

for srvis. Ths plans typially do not rstrit you to a providr ntwork.

Medigap Insurance - This is also known as Mdiar supplmnt insuran. This

insuran pays for ovrag not providd by Mdiar. Mdigap insuran is not a

dupliation of Mdiar and may pay part of th ddutibls, o-insuran, srvis

and xpnss not ovrd by Mdiar.

Medicare SELECT - Ths ar standardizd Mdigap plans with rstritd providr

ntworks. You must go to a partiipating providr ntwork, xpt in mrgny situ-

ations.

Open Enrollment - This is a six-month period following enrollment in Medicare PartB. If you are covered by your employers health coverage and turn 65, your enroll-ment in Medicare Part B can be delayed until you retire. Keep in mind that if you areovrd by a small mployr group of lss than 20 mploys, Mdiar is primary

and would pay benets before your employer plan would. If you have a small groupmployr plan b sur that it will ovr what Mdiar would hav ovrd if you do

not enroll in Part B.

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Plan A Plan B Plan C Plan D

Plan F Plan G Plan K Plan L

High deductible F Plan M Plan N

To assist you in slting th plan most suitabl for your situation, rfr to th

Chart of standardized Medigap plans (page 5)in this book.

Understanding the company charts: Th following qustions and answrs x-

plain trms usd in th ompany listings:

What rating method does each company use?

companis hav thr diffrnt ways of dtrmining a pri for your poliy basd

on ag. Rats also may vary by gndr, ara whr you liv or whthr you

smok.

Community rating (also called no age rating): Th prmium is th sam forall ustomrs who buy this poliy, rgardlss of ag. A fw ompanis offr dis-

counts if you apply within the rst few years after turning 65.Issue age: Premiums are calculated based on your age at the time of purchase.Premiums may increase because of health care ination or claims experience,but not baus you gt oldr.

Attained age: Your initial prmium is basd on your ag at th tim of purhas.

However, as you get older, your premiums will automatically increase.Rmmbr, any of ths mthods will probably aus rats to ris ovr tim du

to health care ination and claims experience. Increases must be approved byth Dpartmnt of Insuran, with th xption of th automati ag-rlatd ratinras in attaind ag poliis.

My prfrn: community/No ag Issu Attaind

Choosing your plan

Now that you hav a list of availabl ompanis, onsidr th following to narrow

down your hois:

What plan(s) am I interested in? Mark all that apply.

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Which companies offer discounts?

companis may offr disounts for nonsmokrs, mmbrs of military groups,

automatic bank draft or electronic fund transfer payments, etc. Be sure to factorin thos that apply to your situation.

Is the policy guaranteed issue or underwritten?

If a poliy is guarantd issu, this mans you annot b turnd down. Un-

drwrittn mans a ompany will onsidr your mdial history in dtrmining

whthr or not to issu a poliy to you. Th sparat Mdiar guid provids

mor dtails, if ndd, about guarantd issu.

My preference, if applicable: Guaranteed issue Undrwrittn

What is the companys marketing approach?

Some companies sell directly to the consumer (direct mail) while others sellthrough a ntwork of agnts. In most ass, you will want to ontat th ompany

for mor information.

My prfrn: Agnt Dirt Mail

What about pre-existing condition exclusions?

Again, rviw th Mdiar matrial to s if this applis to you. In th ompany

listings at th bak of this booklt, ompanis hav notd how thy handl pr-

xisting onditions.

Will this affect my decision? Yes No

Did the company list notes of interest?

If any of these will be signicant in your decision, please list the company and thenot blow for your rfrn.

Disounts I would qualify for:

company Not to rmmbr



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By now, you should have narrowed down your list of companies, based onthe specics of the listings and your personal needs. Its time to start looking atprices. In the rst column, list the companies that offer the standardized plan andother factors that meet your needs. (Be sure you are comparing the same plan.)In th sond olumn, list th prmium ost. Tak into onsidration th rating

mthod usd by ah ompany whn omparing prmiums.

company Premium

Th Dpartmnt of Insuran Wb sit has a ompany sarh at

http://insuran.ky.gov/.Look forMedicare Supplement Search entring infor-mation such as age, gender and ZIP code prex will result in a list of companiesfrom whih you an purhas a Mdigap insuran poliy.

If you still hav qustions, ontat th ompanis dirtly at th numbrs listd

at th nd of this book or ontat a loal insuran agnt.

The following companies do not provide rates by ZIP code and are not

listed in this guide:

PacicCare Life and Health Insurance CompanyStat Farm Mutual Automobil Insuran company

Sterling Life Insurance Company

The following companies do not use a rating structure compatible with

our database so we are unable to list the rates:

Humana of KentuckyMarquette National Life Insurance Company

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How to use the premium charts

1. Determine your ZIP code. For this guide, only the rst three digits of your ZIPcode will be listed. For example, if your ZIP code is 40601, the ZIP code listed inthis guid will b 406.

2. Determine the ID number for your 3-digit ZIP code.

3. Choose your Plan (A-D, F, G, K-N). Look for the rate that falls into your cat -gory suh as mal/fmal, smokr/nonsmokr, ag, t. Som ompanis

harg th sam rat for a smokr as a nonsmokr. N/A will b listd undr th

smokr hading whn rats ar th sam for both smokr or nonsmokr.

4. Only thr ags ar listd in this guid. Mor dtaild prmium information is

availabl on our Wb sit at http://insuran.ky.gov/.

5. Please see the back of this book for the insurers addresses and telephone

numbrs.

Rmmbr, annual prmiums

ar listd.

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http://insurance.ky.gov/http://insurance.ky.gov/


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Attained - Underwritten - Agent marketed - Pre-existing period None

American Republic Corp Insurance Company - Standard

Includes ZIP(S) AreaArea ID

ALL ZIP CODES686

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

Non A686 1,082.53 1,082.53 1,252.191,245.04 1,443.281,245.04

Non F686 1,485.01 1,485.01 1,717.831,708.04 1,980.051,708.04

Non K686 767.86 767.86 888.19883.12 1,023.82883.12

Non L686 1,056.59 1,056.59 1,222.101,215.19 1,408.711,215.19

Attained - Guaranteed Issue - Agent marketed - Pre-existing period None

Conseco Insurance Company - Standard


ALL ZIP CODES585

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

N/A A585 1,271.00 1,271.00 1,400.001,271.00 1,400.001,271.00

N/A F585 1,753.00 1,753.00 1,894.001,753.00 1,894.001,753.00

Attained - Guaranteed Issue - Agent marketed - Pre-existing period None

Equitable Life & Casualty Insurance Company - Standard

Includes ZIP(S) AreaArea ID427,404,423,424,406,413,426,414,403,421,405,410,425 AND 422174

401,415,420,411,412 AND 400176

407,402,416,417,409,408 AND 418690

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

N/A A174 1,063.00 1,087.00 1,165.001,063.00 1,165.001,087.00

N/A F174 1,506.00 1,544.00 1,659.001,506.00 1,659.001,544.00

N/A N174 1,060.00 1,088.00 1,169.001,060.00 1,169.001,088.00

N/A A176 1,321.00 1,352.00 1,448.001,321.00 1,448.001,352.00

N/A F176 1,627.00 1,668.00 1,793.001,627.00 1,793.001,668.00

N/A N176 1,145.00 1,176.00 1,263.001,145.00 1,263.001,176.00

N/A A690 1,320.00 1,350.00 1,446.001,320.00 1,446.001,350.00

N/A F690 1,869.00 1,916.00 2,060.001,869.00 2,060.001,916.00

N/A M690 0.00 0.00 0.000.00 0.000.00

N/A N690 1,316.00 1,351.00 1,451.001,316.00 1,451.001,351.00

Note: Check Web site for premiums associated with other ages


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Attained - Underwritten - Mail marketed - Pre-existing period 3 months

Globe Life and Accident Insurance Company - Standard


ALL ZIP CODES561

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

N/A A561 816.00 988.00 1,110.00816.00 1,110.00988.00

N/A B561 1,253.00 1,445.00 1,638.001,253.00 1,638.001,445.00

N/A C561 1,438.00 1,631.00 1,823.001,438.00 1,823.001,631.00

N/A F561 1,450.00 1,641.00 1,834.001,450.00 1,834.001,641.00

Attained - Underwritten - Agent marketed - Pre-existing period 6 months

Loyal American Life Insurance Company - Standard


401,402,416,417,410 AND 418645

415,427,404,423,424,406,407,413,420,426,414,403,411,412,421,405,409,419,425,400,408 AND 422683

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

Non A645 961.38 1,004.50 1,131.901,104.46 1,301.441,155.42

Non B645 1,121.12 1,173.06 1,321.041,289.68 1,518.021,347.50

Non C645 1,341.62 1,402.38 1,585.641,542.52 1,823.781,612.10

Non D645 1,175.02 1,228.92 1,384.741,352.40 1,591.521,413.16

Non F645 1,390.62 1,446.48 1,625.821,599.36 1,869.841,664.04

Non G645 1,205.40 1,260.28 1,419.041,386.70 1,632.681,449.42

Non N645 973.14 1,012.34 1,137.781,119.16 1,309.281,165.22

Non A683 833.85 871.25 981.75957.95 1,128.801,002.15

Non B683 972.40 1,017.45 1,145.801,118.60 1,316.651,168.75

Non C683 1,163.65 1,216.35 1,375.301,337.90 1,581.851,398.25

Non D683 1,019.15 1,065.90 1,201.051,173.00 1,380.401,225.70

Non F683 1,206.15 1,254.60 1,410.151,387.20 1,621.801,443.30

Non G683 1,045.50 1,093.10 1,230.801,202.75 1,416.101,257.15

Non M683 0.00 0.00 0.000.00 0.000.00

Non N683 844.05 878.05 986.85970.70 1,135.601,010.65



19/28


Medico(TM) Insurance Company - Standard


401,427,404,423,424,406,407,413,420,426,414,403,411,412,421,409,410,419,425,400 AND 422681

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

Non A681 858.00 896.00 1,005.00

Non D681 1,156.00 1,211.00 1,380.00

Non F681 1,263.00 1,318.00 1,488.00

Non M681 0.00 0.00 0.00

Non N681 0.00 0.00 0.00

Attained - Guaranteed Issue - Agent marketed - Pre-existing period 6 months

Reserve National Insurance Company - Standard


ALL ZIP CODES577

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

Smoker A577 1,453.95 1,612.40 1,784.051,453.95 1,784.051,612.40

Smoker C577 2,159.40 2,394.00 2,649.052,159.40 2,649.052,394.00

Smoker N577 1,489.85 1,651.60 1,827.651,489.85 1,827.651,651.60



20/28


Standard Life and Accident Insurance Company - Standard


401,402 AND 400152

415,427,404,423,424,406,407,413,416,420,426,414,403,411,412,417,421,405,409,410,419,425,408,418 AND 422575

AreaID

SmokerType

Female

65 68 71716865

Male Pla

Non A152 1,454.99 1,485.40 1,504.001,454.99 1,730.361,602.62

Smoker A152 1,616.65 1,650.45 1,671.111,616.65 1,922.621,780.68

Non B152 1,761.21 1,798.01 1,820.511,761.21 2,094.541,939.90

Smoker B152 1,956.90 1,997.79 2,022.791,956.90 2,327.262,155.44

Non C152 2,061.72 2,104.81 2,131.152,061.72 2,451.922,270.89

Smoker C152 2,290.80 2,338.68 2,367.952,290.80 2,724.352,523.21

Non D152 1,901.96 1,941.70 1,966.011,901.96 2,261.912,094.93

Smoker D152 2,113.28 2,157.45 2,184.452,113.28 2,513.242,327.69

Non F152 2,067.43 211,063.00 2,137.042,067.43 2,458.692,277.18

Smoker F152 2,297.15 2,345.14 2,374.492,297.15 2,731.882,530.20

Non F-HIG152 377.44 385.33 390.15377.44 448.88415.74

Smoker F-HIG152 419.38 428.15 433.50419.38 498.75461.93

Non G152 1,907.65 1,947.52 1,971.901,907.65 2,268.712,101.21

Smoker G152 2,119.61 2,163.91 2,191.002,119.61 2,520.792,334.68

Non N152 1,455.00 1,485.40 1,504.011,455.00 1,730.361,602.62

Smoker N152 1,616.66 1,650.45 1,671.121,616.66 1,922.621,780.68

Non A575 1,316.42 1,343.94 1,360.461,316.42 1,565.561,449.99

Smoker A575 1,462.69 1,493.27 1,511.951,462.69 1,739.521,611.10

Non B575 1,593.47 1,626.77 1,647.131,593.47 1,895.061,755.14

Smoker B575 1,770.52 1,807.53 2,124.431,770.52 2,105.621,950.16

Non C575 1,865.36 1,904.35 1,928.191,865.36 2,218.402,054.61

Smoker C575 2,072.62 2,115.94 2,142.432,072.62 2,464.892,282.91

Non D575 1,720.82 1,756.78 1,778.771,720.82 2,046.491,895.41

Smoker D575 1,912.02 1,951.97 1,976.411,912.02 2,273.882,106.01

Non F575 1,870.53 1,909.61 1,933.521,870.53 2,224.532,060.30

Smoker F575 2,078.37 2,121.80 2,148.352,078.37 2,471.702,289.22

Non F-HIG575 341.50 348.63 352.99341.50 406.13376.14

Smoker F-HIG575 379.44 387.37 392.22379.44 451.25417.93Non G575 1,725.97 1,762.04 1,784.101,725.97 2,052.651,901.09

Smoker G575 1,917.75 1,957.83 1,982.341,917.75 2,280.712,112.33

Non N575 1,316.42 1,343.94 1,360.771,316.42 1,565.561,449.99

Smoker N575 1,462.70 1,493.27 1,511.961,462.70 1,739.521,611.10



21/28


Thrivent Financial for Lutherans - Standard


415,427,404,423,424,406,407,402,413,416,420,426,414,403,411,412,417,421,405,409,410,425,408,418 AND 422604

401,402 AND 400605

AreaID

SmokerType

Female

65 68 71716865

Male Pla

Non A604 1,073.70 1,152.90 1,263.601,073.70 1,263.601,152.90

Non B604 1,269.90 1,363.50 1,495.801,269.90 1,495.801,363.50

Non C604 1,644.30 1,766.71 1,936.801,644.30 1,936.801,766.71

Non D604 1,373.40 1,475.10 1,619.101,373.40 1,619.101,475.10

Non F604 1,650.60 1,771.20 1,944.001,650.60 1,944.001,771.20

Non F-HIG604 540.00 578.70 635.40540.00 635.40578.70

Non G604 1,413.90 1,516.50 1,665.001,413.90 1,665.001,516.50

Non L604 1,015.20 1,089.00 1,195.201,015.20 1,195.201,089.00

Non M604 1,285.20 1,378.80 1,513.801,285.20 1,513.801,378.80

Non A605 1,073.70 1,152.90 1,263.601,073.70 1,263.601,152.90

Non B605 1,269.90 1,363.50 1,495.801,269.90 1,495.801,363.50

Non C605 1,644.30 1,766.70 1,936.801,644.30 1,936.801,766.70

Non D605 1,373.40 1,475.10 1,619.101,373.40 1,619.101,475.10

Non F605 1,650.60 1,771.20 1,944.001,650.60 1,944.001,771.20

Non F-HIG605 540.00 578.70 635.40540.00 635.40578.70

Non G605 1,413.90 1,516.50 1,665.001,413.90 1,665.001,516.50

Non L605 1,015.20 1,089.00 1,195.201,015.20 1,195.201,089.00

Non M605 1,285.20 1,378.80 1,513.801,285.20 1,513.801,378.80



22/28


United World Life Insurance Company - Standard


401,415,404,423,424,406,402,413,420,414,403,412,421,405,419,400 AND 422682

427,407,416,426,417,409,425,408 AND 418687

411 AND 410689

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

Smoker A682 963.60 1,139.521,006.08

Smoker B682 1,181.04 1,396.921,233.24

Smoker C682 1,438.08 1,700.761,501.68

Smoker D682 1,172.76 1,386.961,224.72

Smoker F682 1,452.60 1,717.921,516.60

Smoker G682 1,259.40 1,489.561,315.20

Smoker A687 1,092.00 1,291.441,140.24

Smoker B687 1,338.60 1,583.161,397.76

Smoker C687 1,629.84 1,927.441,701.84

Smoker D687 1,329.12 1,571.881,388.04

Smoker F687 1,646.28 1,947.001,719.00

Smoker G687 1,427.28 1,688.161,490.52

Smoker A689 1,027.80 1,215.481,073.16

Smoker B689 1,259.76 1,490.041,315.44

Smoker C689 1,533.96 1,814.161,601.76

Smoker D689 1,251.00 1,479.481,306.32

Smoker F689 1,549.44 1,832.401,617.84

Smoker G689 1,343.28 1,588.921,402.80

Community Rated - Underwritten - Agent marketed - Pre-existing period 3 months

UnitedHealthcare Insurance Company - Standard


ALL ZIP CODES684

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

Non A684 795.00 900.24 1,263.00795.00 1,263.00900.24

Non B684 1,210.80 1,369.56 1,916.401,210.80 1,916.401,369.56

Non C684 1,464.84 1,656.24 2,315.641,464.84 2,315.641,656.24

Non F684 1,471.20 1,663.44 2,325.601,471.20 2,325.601,663.44

Non K684 580.80 658.56 926.40580.80 926.40658.56

Non L684 876.84 992.64 1,391.64876.84 1,391.64992.64

Non N684 1,061.64 1,201.20 1,682.041,061.64 1,682.041,201.20



23/28

Attained - Guaranteed Issue - Mail marketed - Pre-existing period None

USAA Life Insurance Company - Standard


ALL ZIP CODES151

Area

ID

Smoker

Type

Female

65 68 71716865

Male Pla

Non A151 1,374.96 1,464.72 1,550.401,374.96 1,550.401,464.72

Non F151 1,689.12 1,799.28 1,913.521,689.12 1,913.521,799.28


World Corp Insurance Company - Standard


ALL ZIP CODES609

AreaID

SmokerType

Female

65 68 71716865Male Pla

Non A609 959.66 959.66 1,110.071,103.84 1,279.511,103.84

Non F609 1,298.06 1,298.06 1,501.491,492.97 1,730.741,492.97

Non F-HIG609 542.53 542.53 627.48624.02 723.38624.02


24/28

Company Address and Phone Chart

PhoneZIP codeStateCityMailing AddressName

Admiral Life Insurance Company of America C/O Wakely & Associates, Inc.

8545 126th Ave N. Suite 200

Largo FL 33773-1502 (800) 987-159

Allianz Life Insurance Company of North

America

PO Box 4243 Woodland Hills CA 91367 (800) 366-546

American Pioneer Life Insurance Company 1001 Heathrow Park Lane Lake Mary FL 32746 (800) 538-105

American Republic Corp Insurance Company PO Box 1 Des Moines IA 50301 (888) 755-306

American Republic Insurance Company 601 Sixth Avenue Des Moines IA 50309 (888) 755-306

Anthem Health Plans of Kentucky, Inc. 1351 William Howard Taft Rd. Cincinnati OH 45206 (866) 864-637

Bankers Fidelity Life Insurance Company PO Box 105185 Atlanta GA 30348-5185 (800) 241-143

Bankers Life and Casualty Company 222 Merchandise Mart Plaza Chicago IL 60654 (800) 621-372

Central Reserve Life Insurance Company PO Box 29190 Shawnee Mission KS 66201 (800) 456-786

Combined Insurance Company of America 5050 Broadway Chicago IL 60640 (800) 544-553

Conseco Insurance Company 11815 N. Pennsylvania St. Carmel IN 46032 (800) 541-225

Constitution Life Insurance Company 1001 Heathrow Park Lane Lake Mary FL 32746 (800) 789-636

Continental General Insurance Company PO Box 29136 Shawnee Mission KS 66201 (800) 284-289

Continental Life Insurance Company of

Brentwood Tennessee

PO Box 1188 Brentwood TN 37024-1188 (800) 264-400

Equitable Life & Casualty Insurance Company 3 Triad Plaza Salt Lake City UT 84180-1200 (800) 352-517

61


25/28


Genworth Life Insurance Company 8545 126th Ave N., Suite 200

C/O Wakely & Associates, Inc

Largo FL 33773-1502 (800) 350-196

Gerber Life Insurance Company United of Omaha Life Insurance

Company

Mutual of Omaha Plaza

Omaha NE 68175 (877) 845-089

Globe Life and Accident Insurance Company 3700 S. Stonebridge Drive

PO Box 2440

McKinney TX 75070 (800) 801-683

Great American Life Insurance Company 5508 Parkcrest Drive Austin TX 78731 (800) 880-274

Guarantee Trust Life Insurance Company 1275 Milwaukee Avenue Glenview IL 60025 (800) 338-745

Humana Insurance Company PO Box 1438

500 West Main Street

Louisville KY 40201 (800) 866-058

Lincoln Heritage Life Insurance Company 4343 E. Camelback Road Phoenix AZ 85018 (800) 438-718

Loyal American Life Insurance Company P.O. Box 559004 Austin TX 78755-9004 (800) 633-675

Marquette National Life Insurance Company 1001 Heathrow Park Lane

Suite 5001

Lake Mary FL 32746 (800) 934-820

Medico(TM) Insurance Company 1515 S. 75th Street Omaha NE 68124 (800) 228-608

Mutual of Omaha Insurance Company Mutual of Omaha Plaza

4th Floor - Insurance Dept. Serv.

Omaha NE 68175 (800) 316-084

National States Insurance Company 1830 Craig Park Court St. Louis MO 63146 (800) 868-678

New Era Life Insurance Company of the

Midwest

200 Westlake Park Blvd.

Suite 1200

Houston TX 77079 (800) 552-787

Order of United Commercial Travelers of

America

PO Box 159019 Columbus OH 43215 (800) 848-012

Penn Treaty Network America Insurance

Company

2440 Lehigh Street

PO Box 7066

Allentown PA 18105-7065 (800) 362-070

Pennsylvania Life Insurance Company 1001 Heathrow Place Lane Lake Mary FL 32746 (800) 275-736

62


26/28


Philadelphia American Life Insurance Company PO Box 4884 Houston TX 77210-4884 (800) 552-787

Physicians Life Insurance Company 2600 Dodge Street Omaha NE 68131 (800) 228-910

Provident American Life & Health Insurance

Company

PO Box 29158 Shawnee Mission KS 66201-9158 (877) 291-543

Pyramid Life Insurance Company (Kansas) 1001 Heathrow Park Lane

Suite 5001

Lake Mary FL 32746 (800) 777-112

Reserve National Insurance Company 6100 N. W. Grand Blvd. Oklahoma City OK 73118 (800) 654-910

Shenandoah Life Insurance Company

Standard Life and Accident Insurance Company One Moody Plaza.

17th Floor

Galveston TX 77550 (888) 350-148

State Farm Mutual Automobile Insurance

Company

One State Farm Plaza B-2 Bloomington IL 61710

State Mutual Insurance Company c/o Wakely & Associates, Inc.

8545 126th Ave. North, Suite 200

Largo FL 33773-1502 (877) 344-978

Sterling Investors Life Insurance Company c/o Wakely & Associates Inc.

8545 126th Ave N. Suite 200

Largo FL 33773-1502 (727) 584-812

Thrivent Financial for Lutherans 625 4th Avenue Street Minneapolis MN 55415 (800) 847-483

USAA Life Insurance Company 9800 Fredericksburg Road San Antonio TX 78288 (800) 531-800

UniCare Life & Health Insurance Company 2100 Corporate Center Drive Newbury Park CA 91320 (800) 459-173

United American Insurance Company 3700 S. Stonebridge Dr.

PO Box 8080

McKinney TX 75070-9920 (800) 331-251

United Teacher Associates Insurance Company 5508 Parkcrest Drive Austin TX 78731 (800) 880-882

United World Life Insurance Company Mutual of Omaha Plaza Omaha NE 68175 (877) 845-089

UnitedHealthcare Insurance Company PO Box 1017 Montgomeryville PA 18936 (800) 523-580

63


27/28


World Corp Insurance Company PO Box 2155 Omaha NE 68103-2155 (800) 822-999

64


28/28

DOI Mission Statement

We promote sound, competitive insurance

markets; protect the public through effectiveenforcement and regulation; and empower the

public through outreach and education.

Kentucky Department of Insurance215 W. Main Street

P. O. Box 517

Frankfort, Kentucky 40602-0517502-564-3630

800-595-6053 (KY only)

800-648-6056 TDD (Deaf/Hard-of-Hearing)

http://insurance.ky.gov/

P i t d l dP i t d ith t t f d
http://insurance.ky.gov/http://insurance.ky.gov/

consumer medicare supplement guide for kentucky

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