1. Sentinel Plan® Hospital Advantage™ Sentinel Plan® Hospital Advantage™ Protecting Your Health and Maximizing Your Potential

2. Sentinel Plan® Hospital Advantage™ Take the opportunity to review your current Medicare coverage or the option you are considering. These Medicare coverage options may include: Original Medicare Medicare Supplements  Plan M  High Deductible Plan F Medicare Advantage Medicare Medical Savings Account (MSA) Plans Review your most commonly used benefits. Key benefits and costs that you would be responsible for with your current or prospective Medicare coverage:  Co-pays and/or co-insurance  Deductibles The Sentinel Plan® Hospital Advantage™ will help reduce or eliminate many of those costs. Reviewing Your Current Coverage

3. Sentinel Plan® Hospital Advantage™ Reviewing Some of Your Healthcare Options Key Benefits

4. Sentinel Plan® Hospital Advantage™ Medical Services & Benefits Original Medicare 1 Medicare Supplement High Deductible Plan F Medicare Advantage Plans 2 Sentinel Plan® Hospital Advantage™ Premier Plan You must pay: Pays You a benefit amount of: Inpatient Hospital Care: You must first pay your Part A deductible of $1,184 plus your Part B deductible of $147 for a total out-of-pocket cost of $1,331. Then you must pay co-insurance for many services: Must pay Part A deductible for days 1-60 A monthly premium plus an annual deductible of $2,070 before any benefits will be covered. (Monthly premiums are subject to annual increases and can not be applied towards meeting your annual deductible) $250 per day for days 1-5 Ambulance Services: 20% co-insurance $125 per trip $125 per trip for up to 3 trips per year Emergency Room Care: 20% co-insurance $60 per visit $50 per visit for up to 4 visits per year Outpatient Surgical Services: 20% co-insurance 10% - 30% co-insurance 10% of the fee schedule up to $2,500 per year Diagnostic Tests – Laboratory Services & Radiology Services: 20% co-insurance for diagnostic tests and x-rays $25 per test/service $30 per visit for up to $900 per year Primary Care Physician Dr. Office Visits: 20% co-insurance $20 per visit $25 per visit for up to 8 visits per year Skilled Nursing Facility: $0 for days 1-20 $40 per day for days 1-20 $60 per day for days 1-20 per year Welcome to Medicare Visit: No cost to you $25 paid to you Annual Medicare Wellness Visit: $25 paid to you Additional Preventive Care Services: $10 per test/service up to 5 tests/services per year 1 2013 Medicare deductibles and co-insurance amounts listed. 2 Amounts are based off a sampling of current 2013 Medicare Advantage Plans and are not meant to represent any one contract.

5. Sentinel Plan® Hospital Advantage™ Sentinel offers three levels of coverage so you can find the plan that fits you best. STANDARD PLANPREFERRED PLANPREMIER PLAN The Standard Plan is our basic coverage level. This plan is for those who expect fewer hospital stays and require less preventative care, but still want coverage when need be. The Preferred Plan has a higher premium and more comprehensive coverage. It is the level for those who want to make sure they have enough coverage, but also want to be cost conscious. The Premier Plan is the most comprehensive level of coverage. It is the plan with the lowest out-of-pocket cost to you. This ensures you will have the coverage you need when you need it. Three Levels of Coverage

6. Sentinel Plan® Hospital Advantage™ Coverage TypeBenefit cost to YOU Sentinel Plan® Hospital Advantage™ Premier Plan Benefit Payment Amount Original Medicare:$1,184 Part A deductible 1 $250 per day for days 1-5 Total benefit paid to you for a five-day hospital confinement is $1,250 Medicare Advantage:$250 per days for days 1-5 2 Have you, or anyone you know, gone to the hospital for five days? How much did you or your friend have to pay for a five day hospital stay? Inpatient Hospital Care 1 2013 Medicare deductibles and co-insurance amounts listed. 2 Amounts are based off a sampling of current 2013 Medicare Advantage Plans and are not meant to represent any one contract.

7. Sentinel Plan® Hospital Advantage™ Coverage TypeBenefit cost to YOU Sentinel Plan® Hospital Advantage™ Premier Plan Benefit Payment Amount Original Medicare:20% co-insurance 1 $125 per trip paid to you and coverage of up to three trips per year Medicare Advantage:$125 per trip 2 If you had to go to the hospital in an emergency due to an unforeseen health condition or accident, you would most likely be taken by ambulance. With the Sentinel Plan® Hospital Advantage™ you have coverage options to help meet or entirely cover those costs. Ambulance Services 1 2013 Medicare deductibles and co-insurance amounts listed. 2 Amounts are based off a sampling of current 2013 Medicare Advantage Plans and are not meant to represent any one contract.

8. Sentinel Plan® Hospital Advantage™ Emergency Room Care Coverage TypeBenefit cost to YOU Sentinel Plan® Hospital Advantage™ Premier Plan Benefit Payment Amount Original Medicare:20% co-insurance 1 $50 per admission paid to you if you are admitted to the hospital for one or more days Medicare Advantage:$60 per admission 2 Many hospital confinements start with a trip to the emergency room, often by ambulance, and result in yet another charge to you for emergency room care. The Sentinel Plan® Hospital Advantage™ helps reduce or eliminate these costs to you. 1 2013 Medicare deductibles and co-insurance amounts listed. 2 Amounts are based off a sampling of current 2013 Medicare Advantage Plans and are not meant to represent any one contract.

9. Sentinel Plan® Hospital Advantage™ Coverage TypeBenefit cost to YOU Sentinel Plan® Hospital Advantage™ Premier Plan Benefit Payment Amount Original Medicare:20% co-insurance 1 Pays 10% of the Medicare fee schedule amount up to $2,500 per calendar year for all medically necessary procedures. Benefits cannot be applied toward elective or cosmetic procedures. Medicare Advantage:10% - 30% co-insurance 2 Suppose you are on Original Medicare and have $1,000 surgical procedure. Medicare would cover all but $200.00 of those costs. The remaining $200 would be your responsibility to pay. With the Sentinel Plan® Hospital Advantage™ you would only be responsible for half of that $100 and the plan would pay you the other half. If you have a Medicare Advantage plan with a 10% co-insurance, the plan would reimburse you 100% of those charges. Outpatient Surgical Services 1 2013 Medicare deductibles and co-insurance amounts listed. 2 Amounts are based off a sampling of current 2013 Medicare Advantage Plans and are not meant to represent any one contract.

10. Sentinel Plan® Hospital Advantage™ Coverage TypeBenefit cost to YOU Sentinel Plan® Hospital Advantage™ Premier Plan Benefit Payment Amount Original Medicare: $147 Part B deductible, then 20% co-insurance thereafter 1 $25 paid to you per office visit for up to 8 visits per year for a total of $200 in benefits paid to you Medicare Advantage: $20 per office visit 2 What about your everyday and routine doctor’s office visits? The Sentinel Plan® Hospital Advantage™ helps cover these visits. Regular visits to your primary care physician can help maintain your quality of health as well as detect and even prevent serious health complications. The Sentinel Plan® Hospital Advantage™ helps make health care both affordable and accessible. Primary Care Physician Doctor Office Visits 1 2013 Medicare deductibles and co-insurance amounts listed. 2 Amounts are based off a sampling of current 2013 Medicare Advantage Plans and are not meant to represent any one contract.

11. Sentinel Plan® Hospital Advantage™ BenefitCoverage Type Benefit cost to YOU Sentinel Plan® Hospital Advantage™ Premier Plan Benefit Payment Amount Welcome to Medicare Initial Wellness Visit & Ongoing Annual Medicare Wellness Visit Original Medicare:No cost to you 1 $25 paid to you every year for each visit Medicare Advantage:No cost to you 2 BenefitCoverage Type Benefit cost to YOU Sentinel Plan® Hospital Advantage™ Premier Plan Benefit Payment Amount Preventive Health Care Services & Screenings Original Medicare:No cost to you 1 $10 per preventive service or health screening paid to you. You are eligible to complete up to five covered services/ screenings per year and receive $50 in reimbursements. Medicare Advantage:No cost to you 2 Sentinel Security Life Insurance Company believes in helping you stay happy and healthy with proactive and preventive health benefits. Below are some of these benefits provided by the Sentinel Plan® Hospital Advantage™. Additional Wellness & Preventive Care Benefits 1 2013 Medicare deductibles and co-insurance amounts listed. 2 Amounts are based off a sampling of current 2013 Medicare Advantage Plans and are not meant to represent any one contract.

12. Sentinel Plan® Hospital Advantage™ A couple common questions to consider: – “If I have to... go to the hospital for 5 days how much will this plan pay me to cover my costs, or if I need to go see my doctor does this plan help cover my co-pays or co-insurance?” Take the time to review each benefit in question and how the Sentinel Plan® Hospital Advantage™ fits with your existing type of Medicare coverage. – Be sure to consider any benefit maximums or limitations. Questions and Review of the Outline of Coverage

13. Sentinel Plan® Hospital Advantage™ Reviewing the Three Levels of Coverage Options

14. Sentinel Plan® Hospital Advantage™ The Sentinel Plan® Hospital Advantage™ was specifically created to help provide coverage for people in situations like those we just reviewed. We have designed three plan options to better meet your individual needs and those circumstances that might unexpectedly arise. We wish you great health as well as a long and happy life. This is why we have included proactive, preventative health and wellness programs in your coverage. Why Choose the Sentinel Plan® Hospital Advantage™ ?

15. Sentinel Plan® Hospital Advantage™ OVERVIEW OF PLAN BENEFITSSTANDARD PLANPREFERRED PLANPREMIER PLAN Daily Hospital Confinement Indemnity Benefit $100 per day$125 per day$250 per day Maximum 5 days per calendar year Ambulance Transportation Benefit $75 per trip$100 per trip$125 per trip Maximum 3 ambulance trips per calendar year Emergency Room Services Benefit $25 per event $50 per event Maximum benefit payable up to 4 times per calendar year Hospital Inpatient or Ambulatory Surgical Center Surgical Services Benefit 10% of the Medicare fee schedule amount, maximum $500 per calendar year 10% of the Medicare fee schedule amount, maximum $1,000 per calendar year 10% of the Medicare fee schedule amount, maximum $2,500 per calendar year Hospital Outpatient or Ambulatory Surgical Center Laboratory and Radiology Services Benefit $20 per outpatient visit, maximum of $500 per calendar year $25 per outpatient visit, maximum of $700 per calendar year $30 per outpatient visit, maximum of $900 per calendar year Primary Care Physician Office Visit Benefit $15 per visit, maximum of 4 visits per calendar year $20 per visit, maximum of 6 visits per calendar year $25 per visit, maximum of 8 visits per calendar year Skilled Nursing Facility Confinement Benefit $20 per day$25 per day$60 per day Maximum 20 days per calendar year Welcome to Medicare Benefit $25 for initial Medicare preventive physical exam Annual Medicare Wellness Visit Benefit $25 for one annual Medicare wellness visit Maximum 1 benefit per calendar year Additional Preventive Care Services Benefit Limited to 5 preventive screenings per calendar year $10 annually per each completed Medicare-covered preventive service Sentinel Plan® Hospital Advantage™

16. Please contact us with any questions you might have, or to learn more about this great new product. Sentinel Security Life Insurance Company 888-510-0668 www.sslco.comwww.sslco.com