Page 1 The Aetna Answer SM Welcome to the Aetna Answer SM Presentation Discussion Topics  What is Medicare?  What Aetna Individual Medicare Supplement Plan SM choices do I have?  Why Aetna Medicare?  How do I enroll? (12/08)

Page 1 Overview of Plans What Aetna Individual Medicare Supplement Plan SM choices do I have?

Page 3  Three Medicare supplement plan insurance policies are typically available from Aetna Life Insurance Company (Aetna): A, B and F. Exceptions:  Plans A and F are available in Nevada  Plans A, B, C and F are available in Michigan and Texas  Can be purchased in addition to Medicare Parts A and B to receive increased benefits, such as coverage for your Part A and B deductibles and coinsurance payments  Allows you to visit any licensed doctor or hospital that accepts Medicare  Provides protection from many of Medicare’s major out-of-pocket expenses  Guaranteed acceptance, regardless of your medical history, when you apply during the first six months you are enrolled in Medicare*  No waiting periods if you have pre-existing conditions  Your policy cannot be cancelled as long as you continue to pay your monthly plan premiums Aetna Individual Medicare Supplement Plan SM Insurance Policies (Medigap) * Other guaranteed acceptance enrollment periods may apply.

Page 4 Aetna Individual Medicare Supplement Plan SM Insurance Policy – Part A Benefits PLAN APLAN B**PLAN C***PLAN F Generally, Medicare does not pay: Plan A pays: Plan B pays: Plan C pays: Plan F pays: Part A hospital services $1,068 inpatient hospital deductible each benefit period XXX $267 per day coinsurance for days in a hospital XXXX $534 per day coinsurance for days lifetime reserve days* XXXX 100% of Medicare-allowable expenses for additional 365 days after Medicare hospital benefits end XXXX First 3 pints of blood each yearXXXX $ per day for days in a skilled nursing facility XX * After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 additional days (days ), which are not renewable each benefit period. **Plan B not available in Nevada. ***Plan C only available in Michigan and Texas.

Page 5 Aetna Individual Medicare Supplement Plan SM Insurance Policy – Part B Benefits *Plan B not available in Nevada. **Plan C only available in Michigan and Texas. PLAN APLAN B*PLAN C**PLAN F Generally, Medicare does not pay: Plan A pays: Plan B pays: Plan C pays: Plan F pays: Part B physician and medical services $135 Part B deductibleXX 20% of Medicare-approved amount (Part B coinsurance) after $135 Part B deductible is met XXXX 100% of Part B excess chargesX

Page 6 Aetna Individual Medicare Supplement Plan SM Insurance Policy – Additional Benefits *Plan B not available in Nevada. **Plan C only available in Michigan and Texas. PLAN APLAN B*PLAN C**PLAN F Generally, Medicare does not pay: Plan A pays: Plan B pays: Plan C pays: Plan F pays: Additional services not covered by Medicare Benefit for medically necessary emergency care received in a foreign country (care needed immediately because of an injury or illness of sudden and unexpected onset); up to plan limits XX

Page 7 Why Aetna Medicare? Competitively priced Over 150 years of health insurance experience and service, including 40 years of Medicare experience Access to discounts on fitness and wellness programs, oral health care, hearing products and services, vitamins and supplements (select states only) Access to valuable extras, like discounts on: o fitness clubs and services o vision and hearing products and services o oral health care products o weight-loss programs Aetna Medicare prescription drug plans available for additional coverage

Page 8 Enrollment 1 – 2 – 3 Enrolling in an Aetna Individual Medicare Supplement Plan SM insurance policy is as simple as 1 – 2 – 3. Plus, you can enroll in an Aetna Medicare supplement plan insurance policy any time of the year! If you live in a state where our Medicare supplement plans are available, and you know that you are eligible for the plan, you can request an enrollment packet by calling , ext Then follow the steps below. Complete the enrollment form. Step 1Step 2 Mail your completed form, as well as a check for your initial premium, to Aetna. Step 3 Review your enrollment kit and select a plan.

Do you have any questions? Thank you, we look forward to serving you. For additional information, you can also contact Medicare at MEDICARE or Medicare.gov. Welcome to Aetna

Page 10 Aetna Individual Medicare Supplement Plan SM Insurance Policies: Discount programs provide access to discounted prices and are NOT insured benefits. In Maryland and North Carolina, Plan A is available to disabled Medicare recipients under the age of 65. In Colorado, Plans A, B and F are available to disabled Medicare recipients under the age of 65. This material is for information only and is not an offer or invitation to contract. This is a solicitation to sell Aetna Medicare supplement insurance coverage underwritten by Aetna Life Insurance Company (Aetna). Benefits and costs may vary upon the insurance plan. Insurance plans are subject to exclusions, limitations and eligibility requirements. Neither Aetna Life Insurance Company nor any of its agents or Medicare supplement insurance plans are connected with or endorsed by the U.S. or state government, Social Security or Federal Medicare Program. The Aetna Individual Medicare Supplement Plan is administered by CHCS Services, Inc. While this material is believed to be accurate as of the print date, it is subject to change. The Aetna Medicare Rx SM plan is offered by a Medicare Prescription Drug Plan sponsor with a Medicare contract (12/08)