The benefit information provided here is a brief summary, not a comprehensive description of benefits. For more information contact an Aon Hewitt Navigators licensed agent.

Benefits, formulary, pharmacy network, premium, and/or co-payments/co-insurance may change January 1, 2013.

Medigap premiums could be as low as the amount listed above. Your actual premium may depend on eligibility and other factors. Additional discounts may apply. (NOTE: This does not apply to Medicare Advantage or Medicare Prescription Drug Plan premiums.)

You must live in the service area and have both Medicare Part A and Medicare Part B in order to enroll in a Medicare medical insurance plan (Medicare Advantage or Medigap plans). For any Medicare medical insurance plan, you must continue to pay your Medicare Part B premium.

For any plan that includes Part D benefits, eligible beneficiaries must use network pharmacies to access drug benefit, except in non-routine circumstances; and quantity limits, restrictions may apply.

Members may enroll in a Medicare plan only during specific times of the year, or around specific events or changes in individual circumstance as defined by Medicare. Contact Aon Hewitt Navigators for more information. Co-payment, service area, and benefit limitations may apply.

If you enroll in a plan with a closed provider network (a Medicare Advantage HMO), you must use plan providers except in emergency or urgent care situations or for out-of-area renal dialysis or other services. If you obtain routine care from out-of-network providers, neither Medicare nor the plan will be responsible for the costs. If you enroll in a plan that has a network, but allows you to see providers outside that network (Medicare Advantage PPOs, Cost, or Point of Sale plans), it may cost more to get care from out-of-network providers with the exception of emergencies or urgent care.

Printed materials may be available in alternate formats or languages.

You may be able to get Extra Help to pay for your prescription drug premiums and costs. If eligible, Medicare could pay for up to one hundred (100) percent of drug costs including monthly prescription drug premiums, annual deductibles, and co-insurance. Additionally, those who qualify will not be subject to the coverage gap or a late enrollment penalty. Many people are eligible for these savings and don't even know it. To see if you qualify for extra help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; or The Social Security Office at 1-800-772-1213 between 8 a.m. and 8 p.m., Monday through Friday. TTY users should call 1-800-325-0778; or Your State Medicaid Office.

This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov. (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.Medicare beneficiaries may enroll in Medicare Advantage and Part D plans through the CMS Medicare Online Enrollment Center located at www.medicare.gov.