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Mutual of Omaha Insurance Company The Facts About Your Plan Your Mutual of Omaha Medicare supplement policy helps pay some eligible expenses not paid for by Medicare Part A and Medicare Part B. There may be charges above what Medicare and Mutual of Omaha pay. Medicare Part A Eligible Expenses for Hospital/ Skilled Nursing Facility Care include expenses for semiprivate room and board, general nursing, and miscellaneous services and supplies. Medicare Part B Eligible Expenses for Medical Services include expenses for physicians’ services, hospital outpatient services and supplies, physical and speech therapy, and ambulance service. “Medicare Eligible Expenses” means expenses of the kinds covered by Medicare, to the extent recognized as reasonable and medically necessary by Medicare. coinciding with or following the anniversary of your Policy Date until you reach age 80; or (b) when the same premium change is made on all in-force Medicare supplement policies of the same form issued to persons of your classification in the same geographic area of your state. You are covered immediately. There is no waiting period for preexisting conditions. Benefits will be paid from the time your policy is in force. Medicare supplement insurance is underwritten by Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE 68175 mutualofomaha.com Your Mutual of Omaha Medicare supplement policy will not pay for: ■ any expense incurred before your Policy Date; ■ services for which no charge is made when there is no insurance; or ■ expense paid for by Medicare. Coinsurance is the portion of the eligible expense not paid by Medicare and paid by Mutual of Omaha. This is a brief description of your coverage. This brochure is not valid without the Outline of Coverage. For complete information on benefits, exceptions and limitations, please read your outline of coverage and your policy. This is a solicitation of insurance and an insurance agent will contact you. As Medicare deductibles and coinsurance increase, your Medicare supplement benefits will automatically increase. Benefits are not paid for any expense paid by Medicare. Neither Mutual of Omaha Insurance Company nor its Medicare supplement insurance policies/certificates are connected with or endorsed by the U.S. government or the federal Medicare program. A Benefit Period begins the first full day you are hospitalized and ends when you have not been in a hospital or skilled nursing facility for 60 days in a row. 2006 Medicare Supplement Insurance Plans Benefits are paid to you or to your hospital or doctor. You have 31 days from your renewal date to pay your premium. Your policy will stay in force during this 31-day grace period. Your policy is guaranteed renewable. Your policy cannot be canceled. It will be renewed as long as the premiums are paid on time. You cannot be singled out for a rate increase, no matter how many times you receive benefits. Your premium changes: (a) each year on the renewal date Policy Form M181 – Plan A Policy Form M182 – Plan C Policy Form M278 – Plan D Policy Form M183 – Plan F MC29552_OH_0206 Ohio Policy Form M181 – Plan A, Policy Form M182 – Plan C Policy Form M278 – Plan D, Policy Form M183 – Plan F Spontaneous. Fun. Fearless. Choose the Plan That Meets Your Needs Whether you’re six or sixty-something, playing keeps you youngat-heart. The difference now, of course, is that you have adult responsibilities, including making sound financial decisions. Services and Supplies You’ll probably enjoy playing, however you define it, even more when you feel you’ve got your bases covered. A Medicare supplement insurance policy from Mutual of Omaha Insurance Company can help you attain that secure feeling. You can be confident that your Medicare supplement benefits will be paid as promised because Mutual of Omaha Insurance Company has the: • Know How – Servicing the market since Medicare began in 1966 • Paying Power – Paid more than $3.7 billion in Medicare supplement benefits since 1966 and $411 million in 2004 alone* • Staying Power – Committed to providing Medicare supplement benefits and service amid an ever-changing political and economic environment Add our friendly personal customer service and competitive premiums and you have the financial value and security you seek. We’ve got you covered. Go play! Medicare Pays Medicare Supplement Plan A Pays Medicare Supplement Plan C Pays Your Medicare Supplement Benefits Medicare Supplement Plan D Pays Medicare Supplement Plan F Pays Medicare Part A Hospital Coverage Deductible _____________________ Nothing __ All but $952 ____ $952 _______ $952 _______ $952 First 60 days ____________________ 100% _________________________________________________ Coinsurance ___________________ All but ______ $238 _______ $238 _______ $238 _______ $238 61-90 days $238 a day a day a day a day a day Coinsurance ____________________ All but_______ $476 _______ $476 _______ $476 _______ $476 91-150 days (Lifetime Reserve) $476 a day a day a day a day a day Extended Hospital Coverage _______ Nothing _____ Eligible _____ Eligible _____ Eligible _____ Eligible (up to an additional 365 days Expenses Expenses Expenses Expenses in your lifetime) Benefit for Blood _________________ All but _____Three pints __ Three pints __ Three pints___ Three pints three pints Skilled Nursing Facility Care First 20 days _____________________ 100% of all approved amounts ____________________________ Coinsurance ____________________ All but___________________ Up to ______ Up to _______ Up to 21-100 days $119 $119 $119 $119 a day a day a day a day 101st day and after ______________ Nothing _________________________________________________ Medicare Part B Physician’s Services and Supplies Deductible _____________________ Nothing ___________________$124_____________________$124 Generally Generally Generally Generally Generally Coinsurance ____________________ 80% _______ 20% ________ 20% _______ 20% ________ 20% Excess Benefits__________________ Nothing ___________________________________________ 100% up to Medicare’s limit Benefit for Blood _________________ All but _____Three pints __ Three pints __ Three pints___ Three pints three pints Additional Benefits* Generally Generally Generally 80% to a 80% to a 80% to a lifetime max of lifetime max of lifetime max of Emergency Care Received _________ Nothing _________________ $50,000 _____ $50,000 _____ $50,000 Outside the U.S. At-home Recovery Visits __________ Nothing ______________________________ $1,600 _____________ *Source: Mutual of Omaha Actuarial Research, 2005 Your Premium Your Premium Your Premium Your Premium * Refer to the next page and your Outline of Coverage for more information. $ ___________ $ ___________ $ ___________ $ ___________ Medicare Part A Hospital Coverage Deductible — Plans C, D and F pay the $952 inpatient hospital deductible for each benefit period. First 60 Days — After the Medicare Part A deductible, Medicare pays all eligible expenses for services from your first through 60th day of hospital confinement. Services include semiprivate room and board, general nursing, and miscellaneous hospital services and supplies. Coinsurance — Plans A, C, D and F pay $238 a day when you are hospitalized from the 61st through the 90th day. And, when you are in the hospital from the 91st day through the 150th day, you receive $476 a day for each Lifetime Reserve day used. Medicare Part B Physician’s Services and Supplies Deductible — Plans C and F pay the $124 calendaryear deductible. Coinsurance — After the Medicare Part B deductible, Plans A, C, D and F generally pay 20% of eligible expenses for physician’s services, and supplies, physical and speech therapy, and ambulance service. For hospital outpatient services, the copayment amount will be paid under a prospective payment system. If this system is not used, then generally 20% of eligible expenses will be paid. Excess Benefits — Your bill for Medicare Part B services and supplies may exceed the Medicare Extended Hospital Coverage — When you are in the eligible expense. When that occurs, Mutual Care hospital longer than 150 days during a benefit period, Plan F pays 100%, up to the charge limitation and you have exhausted your 60 days of Medicare established by Medicare. This benefit would apply Lifetime Reserve, Plans A, C, D and F pay the when you receive services outside of Ohio or services Medicare Part A eligible expenses for hospitalization, from Ohio providers that are allowed to balance bill.* paid at the Diagnostic Related Group (DRG) day * Ohio health care providers are prohibited from balance billing outlier per diem or other appropriate standard of Medicare beneficiaries. payment, subject to a lifetime maximum benefit of Benefit for Blood — Medicare has one calendar-year an additional 365 days. deductible for blood that is the cost of the first three Benefit for Blood — Medicare has one calendar-year pints needed. Plans A, C, D and F pay this deductible. deductible for blood that is the cost of the first three pints needed. Plans A, C, D and F pay this deductible. Additional Benefits Skilled Nursing Facility Care First 20 Days — Medicare pays all eligible expenses. Coinsurance — Plans C, D and F pay up to $119 a day from the 21st through the 100th day during which you receive skilled nursing care. You must enter a Medicare-certified skilled nursing facility within 30 days of being hospitalized for at least three days. Emergency Care Received Outside the U.S. — After you pay a $250 calendar-year deductible, Plans C, D and F pay you generally 80% of eligible expenses incurred during the first 60 days of a trip up to a lifetime maximum of $50,000. Benefits are payable for health care you need because of a covered injury or illness. At-home Recovery Visits — Plan D pays for seven visits a week, up to $40 a visit up to a maximum of $1,600 a year for assistance with activities of daily living. Benefits are payable for services necessary for your continuing recovery from an illness, injury or surgery. Spontaneous. Fun. Fearless. Choose the Plan That Meets Your Needs Whether you’re six or sixty-something, playing keeps you youngat-heart. The difference now, of course, is that you have adult responsibilities, including making sound financial decisions. Services and Supplies You’ll probably enjoy playing, however you define it, even more when you feel you’ve got your bases covered. A Medicare supplement insurance policy from Mutual of Omaha Insurance Company can help you attain that secure feeling. You can be confident that your Medicare supplement benefits will be paid as promised because Mutual of Omaha Insurance Company has the: • Know How – Servicing the market since Medicare began in 1966 • Paying Power – Paid more than $3.7 billion in Medicare supplement benefits since 1966 and $411 million in 2004 alone* • Staying Power – Committed to providing Medicare supplement benefits and service amid an ever-changing political and economic environment Add our friendly personal customer service and competitive premiums and you have the financial value and security you seek. We’ve got you covered. Go play! Medicare Pays Medicare Supplement Plan A Pays Medicare Supplement Plan C Pays Your Medicare Supplement Benefits Medicare Supplement Plan D Pays Medicare Supplement Plan F Pays Medicare Part A Hospital Coverage Deductible _____________________ Nothing __ All but $952 ____ $952 _______ $952 _______ $952 First 60 days ____________________ 100% _________________________________________________ Coinsurance ___________________ All but ______ $238 _______ $238 _______ $238 _______ $238 61-90 days $238 a day a day a day a day a day Coinsurance ____________________ All but_______ $476 _______ $476 _______ $476 _______ $476 91-150 days (Lifetime Reserve) $476 a day a day a day a day a day Extended Hospital Coverage _______ Nothing _____ Eligible _____ Eligible _____ Eligible _____ Eligible (up to an additional 365 days Expenses Expenses Expenses Expenses in your lifetime) Benefit for Blood _________________ All but _____Three pints __ Three pints __ Three pints___ Three pints three pints Skilled Nursing Facility Care First 20 days _____________________ 100% of all approved amounts ____________________________ Coinsurance ____________________ All but___________________ Up to ______ Up to _______ Up to 21-100 days $119 $119 $119 $119 a day a day a day a day 101st day and after ______________ Nothing _________________________________________________ Medicare Part B Physician’s Services and Supplies Deductible _____________________ Nothing ___________________$124_____________________$124 Generally Generally Generally Generally Generally Coinsurance ____________________ 80% _______ 20% ________ 20% _______ 20% ________ 20% Excess Benefits__________________ Nothing ___________________________________________ 100% up to Medicare’s limit Benefit for Blood _________________ All but _____Three pints __ Three pints __ Three pints___ Three pints three pints Additional Benefits* Generally Generally Generally 80% to a 80% to a 80% to a lifetime max of lifetime max of lifetime max of Emergency Care Received _________ Nothing _________________ $50,000 _____ $50,000 _____ $50,000 Outside the U.S. At-home Recovery Visits __________ Nothing ______________________________ $1,600 _____________ *Source: Mutual of Omaha Actuarial Research, 2005 Your Premium Your Premium Your Premium Your Premium * Refer to the next page and your Outline of Coverage for more information. $ ___________ $ ___________ $ ___________ $ ___________ Medicare Part A Hospital Coverage Deductible — Plans C, D and F pay the $952 inpatient hospital deductible for each benefit period. First 60 Days — After the Medicare Part A deductible, Medicare pays all eligible expenses for services from your first through 60th day of hospital confinement. Services include semiprivate room and board, general nursing, and miscellaneous hospital services and supplies. Coinsurance — Plans A, C, D and F pay $238 a day when you are hospitalized from the 61st through the 90th day. And, when you are in the hospital from the 91st day through the 150th day, you receive $476 a day for each Lifetime Reserve day used. Medicare Part B Physician’s Services and Supplies Deductible — Plans C and F pay the $124 calendaryear deductible. Coinsurance — After the Medicare Part B deductible, Plans A, C, D and F generally pay 20% of eligible expenses for physician’s services, and supplies, physical and speech therapy, and ambulance service. For hospital outpatient services, the copayment amount will be paid under a prospective payment system. If this system is not used, then generally 20% of eligible expenses will be paid. Excess Benefits — Your bill for Medicare Part B services and supplies may exceed the Medicare Extended Hospital Coverage — When you are in the eligible expense. When that occurs, Mutual Care hospital longer than 150 days during a benefit period, Plan F pays 100%, up to the charge limitation and you have exhausted your 60 days of Medicare established by Medicare. This benefit would apply Lifetime Reserve, Plans A, C, D and F pay the when you receive services outside of Ohio or services Medicare Part A eligible expenses for hospitalization, from Ohio providers that are allowed to balance bill.* paid at the Diagnostic Related Group (DRG) day * Ohio health care providers are prohibited from balance billing outlier per diem or other appropriate standard of Medicare beneficiaries. payment, subject to a lifetime maximum benefit of Benefit for Blood — Medicare has one calendar-year an additional 365 days. deductible for blood that is the cost of the first three Benefit for Blood — Medicare has one calendar-year pints needed. Plans A, C, D and F pay this deductible. deductible for blood that is the cost of the first three pints needed. Plans A, C, D and F pay this deductible. Additional Benefits Skilled Nursing Facility Care First 20 Days — Medicare pays all eligible expenses. Coinsurance — Plans C, D and F pay up to $119 a day from the 21st through the 100th day during which you receive skilled nursing care. You must enter a Medicare-certified skilled nursing facility within 30 days of being hospitalized for at least three days. Emergency Care Received Outside the U.S. — After you pay a $250 calendar-year deductible, Plans C, D and F pay you generally 80% of eligible expenses incurred during the first 60 days of a trip up to a lifetime maximum of $50,000. Benefits are payable for health care you need because of a covered injury or illness. At-home Recovery Visits — Plan D pays for seven visits a week, up to $40 a visit up to a maximum of $1,600 a year for assistance with activities of daily living. Benefits are payable for services necessary for your continuing recovery from an illness, injury or surgery. Spontaneous. Fun. Fearless. Choose the Plan That Meets Your Needs Whether you’re six or sixty-something, playing keeps you youngat-heart. The difference now, of course, is that you have adult responsibilities, including making sound financial decisions. Services and Supplies You’ll probably enjoy playing, however you define it, even more when you feel you’ve got your bases covered. A Medicare supplement insurance policy from Mutual of Omaha Insurance Company can help you attain that secure feeling. You can be confident that your Medicare supplement benefits will be paid as promised because Mutual of Omaha Insurance Company has the: • Know How – Servicing the market since Medicare began in 1966 • Paying Power – Paid more than $3.7 billion in Medicare supplement benefits since 1966 and $411 million in 2004 alone* • Staying Power – Committed to providing Medicare supplement benefits and service amid an ever-changing political and economic environment Add our friendly personal customer service and competitive premiums and you have the financial value and security you seek. We’ve got you covered. Go play! Medicare Pays Medicare Supplement Plan A Pays Medicare Supplement Plan C Pays Your Medicare Supplement Benefits Medicare Supplement Plan D Pays Medicare Supplement Plan F Pays Medicare Part A Hospital Coverage Deductible _____________________ Nothing __ All but $952 ____ $952 _______ $952 _______ $952 First 60 days ____________________ 100% _________________________________________________ Coinsurance ___________________ All but ______ $238 _______ $238 _______ $238 _______ $238 61-90 days $238 a day a day a day a day a day Coinsurance ____________________ All but_______ $476 _______ $476 _______ $476 _______ $476 91-150 days (Lifetime Reserve) $476 a day a day a day a day a day Extended Hospital Coverage _______ Nothing _____ Eligible _____ Eligible _____ Eligible _____ Eligible (up to an additional 365 days Expenses Expenses Expenses Expenses in your lifetime) Benefit for Blood _________________ All but _____Three pints __ Three pints __ Three pints___ Three pints three pints Skilled Nursing Facility Care First 20 days _____________________ 100% of all approved amounts ____________________________ Coinsurance ____________________ All but___________________ Up to ______ Up to _______ Up to 21-100 days $119 $119 $119 $119 a day a day a day a day 101st day and after ______________ Nothing _________________________________________________ Medicare Part B Physician’s Services and Supplies Deductible _____________________ Nothing ___________________$124_____________________$124 Generally Generally Generally Generally Generally Coinsurance ____________________ 80% _______ 20% ________ 20% _______ 20% ________ 20% Excess Benefits__________________ Nothing ___________________________________________ 100% up to Medicare’s limit Benefit for Blood _________________ All but _____Three pints __ Three pints __ Three pints___ Three pints three pints Additional Benefits* Generally Generally Generally 80% to a 80% to a 80% to a lifetime max of lifetime max of lifetime max of Emergency Care Received _________ Nothing _________________ $50,000 _____ $50,000 _____ $50,000 Outside the U.S. At-home Recovery Visits __________ Nothing ______________________________ $1,600 _____________ *Source: Mutual of Omaha Actuarial Research, 2005 Your Premium Your Premium Your Premium Your Premium * Refer to the next page and your Outline of Coverage for more information. $ ___________ $ ___________ $ ___________ $ ___________ Medicare Part A Hospital Coverage Deductible — Plans C, D and F pay the $952 inpatient hospital deductible for each benefit period. First 60 Days — After the Medicare Part A deductible, Medicare pays all eligible expenses for services from your first through 60th day of hospital confinement. Services include semiprivate room and board, general nursing, and miscellaneous hospital services and supplies. Coinsurance — Plans A, C, D and F pay $238 a day when you are hospitalized from the 61st through the 90th day. And, when you are in the hospital from the 91st day through the 150th day, you receive $476 a day for each Lifetime Reserve day used. Medicare Part B Physician’s Services and Supplies Deductible — Plans C and F pay the $124 calendaryear deductible. Coinsurance — After the Medicare Part B deductible, Plans A, C, D and F generally pay 20% of eligible expenses for physician’s services, and supplies, physical and speech therapy, and ambulance service. For hospital outpatient services, the copayment amount will be paid under a prospective payment system. If this system is not used, then generally 20% of eligible expenses will be paid. Excess Benefits — Your bill for Medicare Part B services and supplies may exceed the Medicare Extended Hospital Coverage — When you are in the eligible expense. When that occurs, Mutual Care Plan hospital longer than 150 days during a benefit period, F pays 100%, up to the charge limitation established and you have exhausted your 60 days of Medicare by Medicare. This benefit would apply when you Lifetime Reserve, Plans A, C, D and F pay the receive services outside of Ohio or services from Medicare Part A eligible expenses for hospitalization, Ohio providers that are allowed to balance bill.* paid at the Diagnostic Related Group (DRG) day * Ohio health care providers are prohibited from balance billing outlier per diem or other appropriate standard of Medicare beneficiaries. payment, subject to a lifetime maximum benefit of Benefit for Blood — Medicare has one calendar-year an additional 365 days. deductible for blood that is the cost of the first three Benefit for Blood — Medicare has one calendar-year pints needed. Plans A, C, D and F pay this deductible. deductible for blood that is the cost of the first three pints needed. Plans A, C, D and F pay this deductible. Additional Benefits Skilled Nursing Facility Care First 20 Days — Medicare pays all eligible expenses. Coinsurance — Plans C, D and F pay up to $119 a day from the 21st through the 100th day during which you receive skilled nursing care. You must enter a Medicare-certified skilled nursing facility within 30 days of being hospitalized for at least three days. Emergency Care Received Outside the U.S. — After you pay a $250 calendar-year deductible, Plans C, D and F pay you generally 80% of eligible expenses incurred during the first 60 days of a trip up to a lifetime maximum of $50,000. Benefits are payable for health care you need because of a covered injury or illness. At-home Recovery Visits — Plan D pays for seven visits a week, up to $40 a visit up to a maximum of $1,600 a year for assistance with activities of daily living. Benefits are payable for services necessary for your continuing recovery from an illness, injury or surgery. Mutual of Omaha Insurance Company The Facts About Your Plan Your Mutual of Omaha Medicare supplement policy helps pay some eligible expenses not paid for by Medicare Part A and Medicare Part B. There may be charges above what Medicare and Mutual of Omaha pay. Medicare Part A Eligible Expenses for Hospital/ Skilled Nursing Facility Care include expenses for semiprivate room and board, general nursing, and miscellaneous services and supplies. Medicare Part B Eligible Expenses for Medical Services include expenses for physicians’ services, hospital outpatient services and supplies, physical and speech therapy, and ambulance service. “Medicare Eligible Expenses” means expenses of the kinds covered by Medicare, to the extent recognized as reasonable and medically necessary by Medicare. coinciding with or following the anniversary of your Policy Date until you reach age 80; or (b) when the same premium change is made on all in-force Medicare supplement policies of the same form issued to persons of your classification in the same geographic area of your state. You are covered immediately. There is no waiting period for preexisting conditions. Benefits will be paid from the time your policy is in force. Medicare supplement insurance is underwritten by Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE 68175 mutualofomaha.com Your Mutual of Omaha Medicare supplement policy will not pay for: ■ any expense incurred before your Policy Date; ■ services for which no charge is made when there is no insurance; or ■ expense paid for by Medicare. Coinsurance is the portion of the eligible expense not paid by Medicare and paid by Mutual of Omaha. This is a brief description of your coverage. This brochure is not valid without the Outline of Coverage. For complete information on benefits, exceptions and limitations, please read your outline of coverage and your policy. This is a solicitation of insurance and an insurance agent will contact you. As Medicare deductibles and coinsurance increase, your Medicare supplement benefits will automatically increase. Benefits are not paid for any expense paid by Medicare. Neither Mutual of Omaha Insurance Company nor its Medicare supplement insurance policies/certificates are connected with or endorsed by the U.S. government or the federal Medicare program. A Benefit Period begins the first full day you are hospitalized and ends when you have not been in a hospital or skilled nursing facility for 60 days in a row. 2006 Medicare Supplement Insurance Plans Benefits are paid to you or to your hospital or doctor. You have 31 days from your renewal date to pay your premium. Your policy will stay in force during this 31-day grace period. Your policy is guaranteed renewable. Your policy cannot be canceled. It will be renewed as long as the premiums are paid on time. You cannot be singled out for a rate increase, no matter how many times you receive benefits. Your premium changes: (a) each year on the renewal date Policy Form M181 – Plan A Policy Form M182 – Plan C Policy Form M278 – Plan D Policy Form M183 – Plan F MC29552_OH_0206 Ohio Policy Form M181 – Plan A, Policy Form M182 – Plan C Policy Form M278 – Plan D, Policy Form M183 – Plan F Mutual of Omaha Insurance Company The Facts About Your Plan Your Mutual of Omaha Medicare supplement policy helps pay some eligible expenses not paid for by Medicare Part A and Medicare Part B. There may be charges above what Medicare and Mutual of Omaha pay. Medicare Part A Eligible Expenses for Hospital/ Skilled Nursing Facility Care include expenses for semiprivate room and board, general nursing, and miscellaneous services and supplies. Medicare Part B Eligible Expenses for Medical Services include expenses for physicians’ services, hospital outpatient services and supplies, physical and speech therapy, and ambulance service. “Medicare Eligible Expenses” means expenses of the kinds covered by Medicare, to the extent recognized as reasonable and medically necessary by Medicare. coinciding with or following the anniversary of your Policy Date until you reach age 80; or (b) when the same premium change is made on all in-force Medicare supplement policies of the same form issued to persons of your classification in the same geographic area of your state. You are covered immediately. There is no waiting period for preexisting conditions. Benefits will be paid from the time your policy is in force. Medicare supplement insurance is underwritten by Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE 68175 mutualofomaha.com Your Mutual of Omaha Medicare supplement policy will not pay for: ■ any expense incurred before your Policy Date; ■ services for which no charge is made when there is no insurance; or ■ expense paid for by Medicare. Coinsurance is the portion of the eligible expense not paid by Medicare and paid by Mutual of Omaha. This is a brief description of your coverage. This brochure is not valid without the Outline of Coverage. For complete information on benefits, exceptions and limitations, please read your outline of coverage and your policy. This is a solicitation of insurance and an insurance agent will contact you. As Medicare deductibles and coinsurance increase, your Medicare supplement benefits will automatically increase. Benefits are not paid for any expense paid by Medicare. Neither Mutual of Omaha Insurance Company nor its Medicare supplement insurance policies/certificates are connected with or endorsed by the U.S. government or the federal Medicare program. A Benefit Period begins the first full day you are hospitalized and ends when you have not been in a hospital or skilled nursing facility for 60 days in a row. 2006 Medicare Supplement Insurance Plans Benefits are paid to you or to your hospital or doctor. You have 31 days from your renewal date to pay your premium. Your policy will stay in force during this 31-day grace period. Your policy is guaranteed renewable. Your policy cannot be canceled. It will be renewed as long as the premiums are paid on time. You cannot be singled out for a rate increase, no matter how many times you receive benefits. Your premium changes: (a) each year on the renewal date Policy Form M181 – Plan A Policy Form M182 – Plan C Policy Form M278 – Plan D Policy Form M183 – Plan F MC29552_OH_0206 Ohio Policy Form M181 – Plan A, Policy Form M182 – Plan C Policy Form M278 – Plan D, Policy Form M183 – Plan F