Keep YourOptions OpenWith our Medicare SupplementInsurance Plan the choices areall yours.

Medicare SupplementInsurance PlansTake control of your ownhealth and wellness.

You may already realize that Medicaresimply doesn’t cover it all. There are somany gaps—prescriptions, hospitalization,copayments—that could end up costingthousands in medical bills.

Cover the gaps with our MedicareSupplement Insurance. And get all theseadded benefits:

No restrictions orreferrals required.

Select from awide range of Medicare-approvedphysicians.

They’ll neverchange, even if your health does.

Select your planonce, and keep it year after year.*

The MedicareSupplement Insurance Plan you choosecan’t be canceled for any reason otherthan non-payment of premium andmaterial misrepresentation.

* Benefits will be adjusted to keep up withOriginal Medicare’s annual changes. Thesechanges are effective January 1, 2015.

See inside formore details

Not connected with or endorsed by the U.S.Government or the federal Medicare program.

The purpose of this communication is the solicitationof insurance. Contact will be made by an insuranceagent or insurance company.

Medicare Supplement Plans are also available toqualified persons under 65 who are eligible forMedicare because of disability.

This policy has exclusions, limitations and termsunder which the policy may be continued in force ordiscontinued. For costs and complete details of thecoverage, contact your insurance agent, Anthem BlueCross and Blue Shield, or visit us on the Web.

In Missouri, (excluding 30 counties in the Kansas Cityarea) Anthem Blue Cross and Blue Shield is the tradename of RightCHOICE® Managed Care, Inc. (RIT),Healthy Alliance® Life Insurance Company (HALIC),and HMO Missouri, Inc. RIT and certain affiliatesadminister non-HMO benefits underwritten by HALICand HMO benefits underwritten by HMO Missouri, Inc.RIT and certain affiliates only provide administrativeservices for self-funded plans and do not underwritebenefits. Independent licensees of the Blue Crossand Blue Shield Association. ANTHEM is a registeredtrademark of Anthem Insurance Companies, Inc. TheBlue Cross and Blue Shield names and symbols areregistered marks of the Blue Cross and Blue ShieldAssociation.

WPADVBR014M(14)-MO48226MUSENMUB_008

Life’s justbetter whenyou havechoices.

Unfortunately, Original Medicare can’t cover it all. Unexpected expenses—like deductibles, copayments and coinsurance—can end up cutting intoretirement savings. We’ll show you how to cover the gap so you’ll becertain 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 These estimates are based on a Medicare Supplement Insurance Plan F. Your cost will vary with otherMedicare Supplement Insurance plans.

2 The Medicare Supplement Insurance Plan you choose can’t be canceled for any reason other than non-payment of premium and material misrepresentation.

Add your Medicare SupplementalInsurance plan today. It’s neverbeen easier!

> Select the Medicare-approved doctors and specialists you knowand trust. No referrals and no networksrequired.

> Pick your plan once. Thenkeep that same plan year after year. It’s"guaranteed renewable" for life. 2

> Once your plan isset up, you’re done. No new surprises. Nochanges or cancellations. Just smooth sailing...

Let me help you find affordableoptions.

Let’s get together wherever you’recomfortable. At an informational meeting, atyour home or over a cup of coffee at no costor 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 week i