*The products and services described above are neither offered nor guaranteed under our contract with the Medicare program. In addition, they are not subject to the Medicare appeals process. Any disputes regarding these products and services may be subject to the plan’s grievance process.

The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. You may enroll in the plan only during specific times of the year. Contact the plan for more information. You must have Medicare Parts A and B to enroll in the plan. You must continue to pay your Medicare Part B premium. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1, 2013. Limitations, copayments and restrictions may apply. Deductible may apply. You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day, seven days a week; The Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or Your State Medicaid Office.

For PPO plans: With the exception of emergencies or urgent care, it may cost more to get care from out‐of‐network providers.

For HMO plans: You must receive all routine care from plan providers. You must use plan providers except in emergency or urgent care situations. If you obtain routine care from out‐of‐network providers neither Original Medicare nor the plan will be responsible for the costs.

For PFFS plans: A Medicare Advantage Private Fee‐for‐Service plan works differently than a Medicare supplement plan. Your provider is not required to agree to accept the plan’s terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies. If your provider does not agree to accept our terms and conditions of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept our terms and conditions of payment. Providers can find the plan’s terms and conditions of payment on our website at: www.TodaysOptions.com.

For Network PFFS plans: A Medicare Advantage Private Fee‐for‐Service plan works differently than a Medicare supplement plan. We have network providers (that is, providers who have signed contracts with our plan) for all services covered under Original Medicare. These providers have already agreed to see members of our plan. If your provider is not one of our network providers, then the provider is not required to agree to accept the plan’s terms and conditions, of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept our terms and conditions of payment. Providers can find the plan’s terms and conditions of payment on our website at: www.TodaysOptions.com.