Keep Your Options Open With our Medicare Supplement Insurance Plan the choices are all yours. Medicare Supplement Insurance Plans Take control of your own health and wellness.

1. Keep Your
Options Open
With our Medicare Supplement
Insurance Plan the choices are
all yours.
Medicare Supplement
Insurance Plans
Take control of your own
health and wellness.
You may already realize that Medicare
simply doesn’t cover it all. There are so
many gaps—prescriptions, hospitalization,
copayments—that could end up costing
thousands in medical bills.
Cover the gaps with our Medicare
Supplement Insurance. And get all these
added benefits:
No restrictions or
referrals required.
Select from a
wide range of Medicare-approved
physicians.
They’ll never
change, even if your health does.
Select your plan
once, and keep it year after year.*
The Medicare
Supplement Insurance Plan you choose
can’t be canceled for any reason other
than non-payment of premium and
material misrepresentation.
*
Benefitswillbeadjustedtokeepupwith
OriginalMedicare’sannualchanges. These
changesareeffectiveJanuary1,2015.
See inside for
more details
NotconnectedwithorendorsedbytheU.S.
GovernmentorthefederalMedicareprogram.
Thepurposeofthiscommunicationisthesolicitation
ofinsurance.Contactwillbemadebyaninsurance
agentorinsurancecompany.
MedicareSupplementPlansarealsoavailableto
qualifiedpersonsunder65whoareeligiblefor
Medicarebecauseofdisability.
Thispolicyhasexclusions,limitationsandterms
underwhichthepolicymaybecontinuedinforceor
discontinued.Forcostsandcompletedetailsofthe
coverage,contactyourinsuranceagent,AnthemBlue
CrossandBlueShield,orvisitusontheWeb.
InMissouri,(excluding30countiesintheKansasCity
area)AnthemBlueCrossandBlueShieldisthetrade
nameofRightCHOICE®ManagedCare,Inc.(RIT),
HealthyAlliance®LifeInsuranceCompany(HALIC),
andHMOMissouri,Inc.RITandcertainaffiliates
administernon-HMObenefitsunderwrittenbyHALIC
andHMObenefitsunderwrittenbyHMOMissouri,Inc.
RITandcertainaffiliatesonlyprovideadministrative
servicesforself-fundedplansanddonotunderwrite
benefits.IndependentlicenseesoftheBlueCross
andBlueShieldAssociation.ANTHEMisaregistered
trademarkofAnthemInsuranceCompanies,Inc.The
BlueCrossandBlueShieldnamesandsymbolsare
registeredmarksoftheBlueCrossandBlueShield
Association.
WPADVBR014M(14)-MO48226MUSENMUB_008

2. Life’s just
better when
you have
choices.
Unfortunately, Original Medicare can’t cover it all. Unexpected expenses—
like deductibles, copayments and coinsurance—can end up cutting into
retirement savings. We’ll show you how to cover the gap so you’ll be
certain to stay afloat.
Your costs without a
Medicare Supplement
Insurance Plan
Your costs with a
Medicare Supplement
Insurance Plan F1
$4,000 in physicians costs and tests
(such as MRI)
$947 $0
15 days in the hospital, 22 days in a Skilled Nursing
Facility and $12,000 for physicians, surgeons, and
tests
$4,269 $0
75 days in the hospital, 60 days in a Skilled Nursing
Facility and $100,000 for physicians, surgeons, and
tests
$31,959.50 $0
1
TheseestimatesarebasedonaMedicareSupplementInsurancePlanF.Yourcostwillvarywithother
MedicareSupplementInsuranceplans.
2
TheMedicareSupplementInsurancePlanyouchoosecan’tbecanceledforanyreasonotherthannon-
paymentofpremiumandmaterialmisrepresentation.
Add your Medicare Supplemental
Insurance plan today. It’s never
been easier!
> Select the Medicare-
approved doctors and specialists you know
and trust. No referrals and no networks
required.
> Pick your plan once. Then
keep that same plan year after year. It’s
"guaranteed renewable" for life. 2
> Once your plan is
set up, you’re done. No new surprises. No
changes or cancellations. Just smooth sailing...
Let me help you find affordable
options.
Let’s get together wherever you’re
comfortable. At an informational meeting, at
your home or over a cup of coffee at no cost
or obligation.
Heidy Ayers
an authorized licensed insurance agent
License Number: #5071279
636-402-8695
8 a.m. to 5 p.m., f ve days a weeki