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Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Outline of Medicare Supplement Coverage – Cover Page: 1 of 2Benefit Plans A, B, C, D, F and G
See Outlines of Coverage sections for details about ALL plans.
Basic Benefits for Plans A-J:Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services.Blood: First three pints of blood each year.
A B C D E F F* G H I J J*Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits
Skilled NursingFacility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Part A Deductible
Part A Deductible
Part A Deductible
Part A Deductible
Part A Deductible
Part A Deductible
Part A Deductible
Part A Deductible
Part A Deductible
Part B Deductible
Part B Deductible
Part B Deductible
Part B Excess (100%)
Part B Excess (80%)
Part B Excess (100%)
Part B Excess (100%)
Foreign Travel Emergency
Foreign Travel Emergency
Foreign Travel Emergency
Foreign Travel Emergency
Foreign Travel Emergency
Foreign Travel Emergency
Foreign Travel Emergency
Foreign Travel Emergency
At-Home Recovery
At-Home Recovery
At-Home Recovery
At-Home Recovery
Preventive Care NOT covered by Medicare
Preventive Care NOT covered by Medicare
* Plans F and J also have an option called a high deductible Plan F and a high deductible Plan J. These high deductible plans pay the same or offer the same benefits as Plans F and J after one has paid a calendar year $2,000 deductible. Benefits from high deductible Plans F and J will not begin until out-of-pocket expenses are $2,000. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare Deductibles for Part A and Part B, but does not include, in Plan J, the plan’s separate prescription drug deductible or, in Plans F and J, the plan’s separate foreign emergency deductible.
MSA OC 10 IN Effective 1-1-10 Page 1
These charts show the benefits included in each Medicare supplement plans.Every company must make available Plan “A”. Some plans may not be available in your state.
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Outline of Medicare Supplement Coverage – Cover Page 2Basic Benefits for Plans K and L include similar services as plans A-J, but cost-sharing for the basic benefits is at different levels.
J K** L**
Basic Benefits
100% of Part A Hospitalization Coinsurance plus coverage for 365 Days after Medicare Benefits End
50% Hospice cost-sharing
50% of Medicare-eligible expenses for the first three pints of blood
50% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services
100% of Part A Hospitalization Coinsurance plus coverage for 365 Days after Medicare Benefits End
75% Hospice cost-sharing
75% of Medicare-eligible expenses for the first three pints of blood
75% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services
Skilled Nursing Coinsurance 50% Skilled Nursing Facility Coinsurance 75% Skilled Nursing Facility CoinsurancePart A Deductible 50% Part A Deductible 75% Part A DeductiblePart B DeductiblePart B Excess (100%)Foreign Travel EmergencyAt-Home RecoveryPreventative Care NOT covered by Medicare
$4,620 Out of Pocket Annual Limit *** $2,310 Out of Policy Annual Limit ***
** Plans K and L provide for different cost-sharing for items and services than Plans A-J. Once you reach the annual limit, the plans pays 100% of the Medicare copayments, coinsurances, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “Excess Charges.” You will be responsible for paying excess charges.
*** The out-of-pocket annual limit will increase each year for inflation.
See Outlines of Coverage for details and exceptions.
MSA OC 10 IN Effective 1-1-10 Page 2
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Annual Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $1,213.73 $1,395.81 $1,566.31 $1,801.25 $1,878.35 $2,160.10 $1,719.21 $1,977.10 $1,929.83 $2,219.29 $1,563.16 $1,797.6366 $1,273.03 $1,463.99 $1,645.89 $1,892.78 $1,967.26 $2,262.37 $1,809.70 $2,081.16 $2,020.32 $2,323.36 $1,636.44 $1,881.9267 $1,330.75 $1,530.36 $1,725.44 $1,984.28 $2,054.64 $2,362.84 $1,898.62 $2,183.43 $2,110.81 $2,427.42 $1,709.74 $1,966.2168 $1,390.03 $1,598.54 $1,805.02 $2,075.78 $2,142.00 $2,463.31 $1,987.55 $2,285.69 $2,201.28 $2,531.50 $1,783.03 $2,050.5069 $1,447.76 $1,664.93 $1,884.58 $2,167.28 $2,230.93 $2,565.59 $2,076.49 $2,387.97 $2,291.76 $2,635.52 $1,856.34 $2,134.7770 $1,503.93 $1,729.51 $1,962.59 $2,256.98 $2,316.73 $2,664.24 $2,165.42 $2,490.23 $2,380.69 $2,737.80 $1,928.36 $2,217.6171 $1,558.52 $1,792.30 $2,039.05 $2,344.91 $2,402.54 $2,762.93 $2,251.20 $2,588.88 $2,469.61 $2,840.05 $2,000.39 $2,300.4572 $1,611.56 $1,853.30 $2,113.92 $2,431.01 $2,486.78 $2,859.82 $2,337.02 $2,687.57 $2,555.42 $2,938.76 $2,069.89 $2,380.3873 $1,661.49 $1,910.72 $2,187.26 $2,515.34 $2,569.47 $2,954.90 $2,419.71 $2,782.66 $2,639.69 $3,035.64 $2,138.13 $2,458.8774 $1,709.86 $1,966.32 $2,257.45 $2,596.07 $2,649.03 $3,046.38 $2,499.26 $2,874.14 $2,722.35 $3,130.71 $2,205.12 $2,535.8775 $1,755.11 $2,018.37 $2,324.54 $2,673.23 $2,725.48 $3,134.31 $2,575.72 $2,962.08 $2,800.38 $3,220.44 $2,268.30 $2,608.5476 $1,798.77 $2,068.59 $2,388.49 $2,746.77 $2,798.80 $3,218.63 $2,649.03 $3,046.38 $2,875.25 $3,306.54 $2,328.95 $2,678.2877 $1,837.78 $2,113.45 $2,447.78 $2,814.95 $2,867.45 $3,297.56 $2,717.70 $3,125.35 $2,947.01 $3,389.06 $2,387.09 $2,745.1578 $1,872.11 $2,152.92 $2,503.96 $2,879.55 $2,932.96 $3,372.93 $2,781.64 $3,198.89 $3,012.54 $3,464.42 $2,440.17 $2,806.1979 $1,903.31 $2,188.81 $2,555.42 $2,938.76 $2,992.26 $3,441.12 $2,840.94 $3,267.09 $3,074.95 $3,536.18 $2,490.71 $2,864.3180 $1,931.38 $2,221.09 $2,600.66 $2,990.77 $3,048.43 $3,505.68 $2,895.53 $3,329.87 $3,131.13 $3,600.80 $2,536.19 $2,916.6381 $1,953.23 $2,246.22 $2,642.79 $3,039.22 $3,098.34 $3,563.11 $2,943.91 $3,385.50 $3,182.59 $3,659.99 $2,577.90 $2,964.5882 $1,976.64 $2,273.14 $2,683.36 $3,085.88 $3,146.73 $3,618.75 $2,992.26 $3,441.12 $3,232.51 $3,717.40 $2,618.32 $3,011.0883 $2,000.04 $2,300.03 $2,722.35 $3,130.71 $3,195.06 $3,674.32 $3,039.06 $3,494.91 $3,282.43 $3,774.81 $2,658.77 $3,057.5984 $2,021.87 $2,325.17 $2,761.35 $3,175.56 $3,241.88 $3,728.16 $3,084.30 $3,546.95 $3,330.81 $3,830.43 $2,697.97 $3,102.6685 $2,045.29 $2,352.09 $2,800.38 $3,220.44 $3,287.12 $3,780.19 $3,128.00 $3,597.20 $3,377.61 $3,884.24 $2,735.85 $3,146.2386 $2,068.68 $2,378.98 $2,836.24 $3,261.69 $3,332.37 $3,832.23 $3,166.98 $3,642.04 $3,424.41 $3,938.08 $2,773.78 $3,189.8487 $2,092.07 $2,405.90 $2,873.68 $3,304.75 $3,376.05 $3,882.46 $3,202.87 $3,683.31 $3,468.09 $3,988.29 $2,809.14 $3,230.5488 $2,113.92 $2,431.01 $2,908.01 $3,344.22 $3,416.61 $3,929.11 $3,237.19 $3,722.77 $3,511.79 $4,038.55 $2,844.53 $3,271.2189 $2,137.30 $2,457.91 $2,940.77 $3,381.88 $3,457.17 $3,975.74 $3,271.52 $3,762.26 $3,552.35 $4,085.20 $2,877.40 $3,309.0090 $2,160.72 $2,484.82 $2,973.55 $3,419.58 $3,496.18 $4,020.59 $3,302.73 $3,798.13 $3,591.34 $4,130.05 $2,908.97 $3,345.3291 $2,182.56 $2,509.96 $3,004.75 $3,455.45 $3,532.04 $4,061.86 $3,332.37 $3,832.23 $3,628.77 $4,173.09 $2,939.32 $3,380.2092 $2,205.97 $2,536.86 $3,034.38 $3,489.53 $3,566.38 $4,101.34 $3,358.89 $3,862.72 $3,664.66 $4,214.36 $2,968.38 $3,413.6493 $2,229.36 $2,563.77 $3,062.46 $3,521.85 $3,600.69 $4,140.78 $3,385.41 $3,893.22 $3,698.99 $4,253.84 $2,996.17 $3,445.6094 $2,251.20 $2,588.88 $3,088.99 $3,552.34 $3,630.34 $4,174.90 $3,408.79 $3,920.11 $3,730.19 $4,289.72 $3,021.46 $3,474.6895 $2,274.60 $2,615.79 $3,115.52 $3,582.86 $3,659.98 $4,208.97 $3,430.64 $3,945.25 $3,759.84 $4,323.81 $3,045.46 $3,502.2896 $2,296.47 $2,640.93 $3,140.47 $3,611.56 $3,689.62 $4,243.07 $3,450.93 $3,968.58 $3,791.04 $4,359.70 $3,070.75 $3,531.3597 $2,319.85 $2,667.84 $3,166.98 $3,642.04 $3,719.28 $4,277.16 $3,472.77 $3,993.71 $3,820.67 $4,393.78 $3,094.73 $3,558.9598 $2,343.27 $2,694.76 $3,193.53 $3,672.56 $3,748.90 $4,311.24 $3,494.62 $4,018.81 $3,851.87 $4,429.65 $3,120.01 $3,588.0399 $2,366.67 $2,721.68 $3,218.47 $3,701.24 $3,780.11 $4,347.12 $3,518.02 $4,045.72 $3,883.08 $4,465.53 $3,145.28 $3,617.09
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 3
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Annual Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $1,092.36 $1,256.23 $1,409.68 $1,621.13 $1,690.52 $1,944.09 $1,547.29 $1,779.39 $1,736.85 $1,997.36 $1,406.84 $1,617.8766 $1,145.73 $1,317.59 $1,481.30 $1,703.50 $1,770.53 $2,036.13 $1,628.73 $1,873.04 $1,818.29 $2,091.02 $1,472.80 $1,693.7367 $1,197.68 $1,377.32 $1,552.90 $1,785.85 $1,849.18 $2,126.56 $1,708.76 $1,965.09 $1,899.73 $2,184.68 $1,538.77 $1,769.5968 $1,251.03 $1,438.69 $1,624.52 $1,868.20 $1,927.80 $2,216.98 $1,788.80 $2,057.12 $1,981.15 $2,278.35 $1,604.73 $1,845.4569 $1,302.98 $1,498.44 $1,696.12 $1,950.55 $2,007.84 $2,309.03 $1,868.84 $2,149.17 $2,062.58 $2,371.97 $1,670.71 $1,921.2970 $1,353.54 $1,556.56 $1,766.33 $2,031.28 $2,085.06 $2,397.82 $1,948.88 $2,241.21 $2,142.62 $2,464.02 $1,735.52 $1,995.8571 $1,402.67 $1,613.07 $1,835.15 $2,110.42 $2,162.29 $2,486.64 $2,026.08 $2,329.99 $2,222.65 $2,556.05 $1,800.35 $2,070.4172 $1,450.40 $1,667.97 $1,902.53 $2,187.91 $2,238.10 $2,573.84 $2,103.32 $2,418.81 $2,299.88 $2,644.88 $1,862.90 $2,142.3473 $1,495.34 $1,719.65 $1,968.53 $2,263.81 $2,312.52 $2,659.41 $2,177.74 $2,504.39 $2,375.72 $2,732.08 $1,924.32 $2,212.9874 $1,538.87 $1,769.69 $2,031.71 $2,336.46 $2,384.13 $2,741.74 $2,249.33 $2,586.73 $2,450.12 $2,817.64 $1,984.61 $2,282.2875 $1,579.60 $1,816.53 $2,092.09 $2,405.91 $2,452.93 $2,820.88 $2,318.15 $2,665.87 $2,520.34 $2,898.40 $2,041.47 $2,347.6976 $1,618.89 $1,861.73 $2,149.64 $2,472.09 $2,518.92 $2,896.77 $2,384.13 $2,741.74 $2,587.73 $2,975.89 $2,096.06 $2,410.4577 $1,654.00 $1,902.11 $2,203.00 $2,533.46 $2,580.71 $2,967.80 $2,445.93 $2,812.82 $2,652.31 $3,050.15 $2,148.38 $2,470.6478 $1,684.90 $1,937.63 $2,253.56 $2,591.60 $2,639.66 $3,035.64 $2,503.48 $2,879.00 $2,711.29 $3,117.98 $2,196.15 $2,525.5779 $1,712.98 $1,969.93 $2,299.88 $2,644.88 $2,693.03 $3,097.01 $2,556.85 $2,940.38 $2,767.46 $3,182.56 $2,241.64 $2,577.8880 $1,738.24 $1,998.98 $2,340.59 $2,691.69 $2,743.59 $3,155.11 $2,605.98 $2,996.88 $2,818.02 $3,240.72 $2,282.57 $2,624.9781 $1,757.91 $2,021.60 $2,378.51 $2,735.30 $2,788.51 $3,206.80 $2,649.52 $3,046.95 $2,864.33 $3,293.99 $2,320.11 $2,668.1282 $1,778.98 $2,045.83 $2,415.02 $2,777.29 $2,832.06 $3,256.88 $2,693.03 $3,097.01 $2,909.26 $3,345.66 $2,356.49 $2,709.9783 $1,800.04 $2,070.03 $2,450.12 $2,817.64 $2,875.55 $3,306.89 $2,735.15 $3,145.42 $2,954.19 $3,397.33 $2,392.89 $2,751.8384 $1,819.68 $2,092.65 $2,485.22 $2,858.00 $2,917.69 $3,355.34 $2,775.87 $3,192.26 $2,997.73 $3,447.39 $2,428.17 $2,792.3985 $1,840.76 $2,116.88 $2,520.34 $2,898.40 $2,958.41 $3,402.17 $2,815.20 $3,237.48 $3,039.85 $3,495.82 $2,462.27 $2,831.6186 $1,861.81 $2,141.08 $2,552.62 $2,935.52 $2,999.13 $3,449.01 $2,850.28 $3,277.84 $3,081.97 $3,544.27 $2,496.40 $2,870.8687 $1,882.86 $2,165.31 $2,586.31 $2,974.28 $3,038.45 $3,494.21 $2,882.58 $3,314.98 $3,121.28 $3,589.46 $2,528.23 $2,907.4988 $1,902.53 $2,187.91 $2,617.21 $3,009.80 $3,074.95 $3,536.20 $2,913.47 $3,350.49 $3,160.61 $3,634.70 $2,560.08 $2,944.0989 $1,923.57 $2,212.12 $2,646.69 $3,043.69 $3,111.45 $3,578.17 $2,944.37 $3,386.03 $3,197.12 $3,676.68 $2,589.66 $2,978.1090 $1,944.65 $2,236.34 $2,676.20 $3,077.62 $3,146.56 $3,618.53 $2,972.46 $3,418.32 $3,232.21 $3,717.05 $2,618.07 $3,010.7991 $1,964.30 $2,258.96 $2,704.28 $3,109.91 $3,178.84 $3,655.67 $2,999.13 $3,449.01 $3,265.89 $3,755.78 $2,645.39 $3,042.1892 $1,985.37 $2,283.17 $2,730.94 $3,140.58 $3,209.74 $3,691.21 $3,023.00 $3,476.45 $3,298.19 $3,792.92 $2,671.54 $3,072.2893 $2,006.42 $2,307.39 $2,756.21 $3,169.67 $3,240.62 $3,726.70 $3,046.87 $3,503.90 $3,329.09 $3,828.46 $2,696.55 $3,101.0494 $2,026.08 $2,329.99 $2,780.09 $3,197.11 $3,267.31 $3,757.41 $3,067.91 $3,528.10 $3,357.17 $3,860.75 $2,719.31 $3,127.2195 $2,047.14 $2,354.21 $2,803.97 $3,224.57 $3,293.98 $3,788.07 $3,087.58 $3,550.73 $3,383.86 $3,891.43 $2,740.91 $3,152.0596 $2,066.82 $2,376.84 $2,826.42 $3,250.40 $3,320.66 $3,818.76 $3,105.84 $3,571.72 $3,411.94 $3,923.73 $2,763.68 $3,178.2297 $2,087.87 $2,401.06 $2,850.28 $3,277.84 $3,347.35 $3,849.44 $3,125.49 $3,594.34 $3,438.60 $3,954.40 $2,785.26 $3,203.0698 $2,108.94 $2,425.28 $2,874.18 $3,305.30 $3,374.01 $3,880.12 $3,145.16 $3,616.93 $3,466.68 $3,986.69 $2,808.01 $3,229.2399 $2,130.00 $2,449.51 $2,896.62 $3,331.12 $3,402.10 $3,912.41 $3,166.22 $3,641.15 $3,494.77 $4,018.98 $2,830.75 $3,255.38
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 4
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Annual Non-Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $970.98 $1,116.65 $1,253.05 $1,441.00 $1,502.68 $1,728.08 $1,375.37 $1,581.68 $1,543.86 $1,775.43 $1,250.53 $1,438.1066 $1,018.42 $1,171.19 $1,316.71 $1,514.22 $1,573.81 $1,809.90 $1,447.76 $1,664.93 $1,616.26 $1,858.69 $1,309.15 $1,505.5467 $1,064.60 $1,224.29 $1,380.35 $1,587.42 $1,643.71 $1,890.27 $1,518.90 $1,746.74 $1,688.65 $1,941.94 $1,367.79 $1,572.9768 $1,112.02 $1,278.83 $1,444.02 $1,660.62 $1,713.60 $1,970.65 $1,590.04 $1,828.55 $1,761.02 $2,025.20 $1,426.42 $1,640.4069 $1,158.21 $1,331.94 $1,507.66 $1,733.82 $1,784.74 $2,052.47 $1,661.19 $1,910.38 $1,833.41 $2,108.42 $1,485.07 $1,707.8270 $1,203.14 $1,383.61 $1,570.07 $1,805.58 $1,853.38 $2,131.39 $1,732.34 $1,992.18 $1,904.55 $2,190.24 $1,542.69 $1,774.0971 $1,246.82 $1,433.84 $1,631.24 $1,875.93 $1,922.03 $2,210.34 $1,800.96 $2,071.10 $1,975.69 $2,272.04 $1,600.31 $1,840.3672 $1,289.25 $1,482.64 $1,691.14 $1,944.81 $1,989.42 $2,287.86 $1,869.62 $2,150.06 $2,044.34 $2,351.01 $1,655.91 $1,904.3073 $1,329.19 $1,528.58 $1,749.81 $2,012.27 $2,055.58 $2,363.92 $1,935.77 $2,226.13 $2,111.75 $2,428.51 $1,710.50 $1,967.1074 $1,367.89 $1,573.06 $1,805.96 $2,076.86 $2,119.22 $2,437.10 $1,999.41 $2,299.31 $2,177.88 $2,504.57 $1,764.10 $2,028.7075 $1,404.09 $1,614.70 $1,859.63 $2,138.58 $2,180.38 $2,507.45 $2,060.58 $2,369.66 $2,240.30 $2,576.35 $1,814.64 $2,086.8376 $1,439.02 $1,654.87 $1,910.79 $2,197.42 $2,239.04 $2,574.90 $2,119.22 $2,437.10 $2,300.20 $2,645.23 $1,863.16 $2,142.6277 $1,470.22 $1,690.76 $1,958.22 $2,251.96 $2,293.96 $2,638.05 $2,174.16 $2,500.28 $2,357.61 $2,711.25 $1,909.67 $2,196.1278 $1,497.69 $1,722.34 $2,003.17 $2,303.64 $2,346.37 $2,698.34 $2,225.31 $2,559.11 $2,410.03 $2,771.54 $1,952.14 $2,244.9579 $1,522.65 $1,751.05 $2,044.34 $2,351.01 $2,393.81 $2,752.90 $2,272.75 $2,613.67 $2,459.96 $2,828.94 $1,992.57 $2,291.4580 $1,545.10 $1,776.87 $2,080.53 $2,392.62 $2,438.74 $2,804.54 $2,316.42 $2,663.90 $2,504.90 $2,880.64 $2,028.95 $2,333.3081 $1,562.58 $1,796.98 $2,114.23 $2,431.38 $2,478.67 $2,850.49 $2,355.13 $2,708.40 $2,546.07 $2,927.99 $2,062.32 $2,371.6682 $1,581.31 $1,818.51 $2,146.69 $2,468.70 $2,517.38 $2,895.00 $2,393.81 $2,752.90 $2,586.01 $2,973.92 $2,094.66 $2,408.8683 $1,600.03 $1,840.02 $2,177.88 $2,504.57 $2,556.05 $2,939.46 $2,431.25 $2,795.93 $2,625.94 $3,019.85 $2,127.02 $2,446.0784 $1,617.50 $1,860.14 $2,209.08 $2,540.45 $2,593.50 $2,982.53 $2,467.44 $2,837.56 $2,664.65 $3,064.34 $2,158.38 $2,482.1385 $1,636.23 $1,881.67 $2,240.30 $2,576.35 $2,629.70 $3,024.15 $2,502.40 $2,877.76 $2,702.09 $3,107.39 $2,188.68 $2,516.9886 $1,654.94 $1,903.18 $2,268.99 $2,609.35 $2,665.90 $3,065.78 $2,533.58 $2,913.63 $2,739.53 $3,150.46 $2,219.02 $2,551.8787 $1,673.66 $1,924.72 $2,298.94 $2,643.80 $2,700.84 $3,105.97 $2,562.30 $2,946.65 $2,774.47 $3,190.63 $2,247.31 $2,584.4388 $1,691.14 $1,944.81 $2,326.41 $2,675.38 $2,733.29 $3,143.29 $2,589.75 $2,978.22 $2,809.43 $3,230.84 $2,275.62 $2,616.9789 $1,709.84 $1,966.33 $2,352.62 $2,705.50 $2,765.74 $3,180.59 $2,617.22 $3,009.81 $2,841.88 $3,268.16 $2,301.92 $2,647.2090 $1,728.58 $1,987.86 $2,378.84 $2,735.66 $2,796.94 $3,216.47 $2,642.18 $3,038.50 $2,873.07 $3,304.04 $2,327.18 $2,676.2691 $1,746.05 $2,007.97 $2,403.80 $2,764.36 $2,825.63 $3,249.49 $2,665.90 $3,065.78 $2,903.02 $3,338.47 $2,351.46 $2,704.1692 $1,764.78 $2,029.49 $2,427.50 $2,791.62 $2,853.10 $3,281.07 $2,687.11 $3,090.18 $2,931.73 $3,371.49 $2,374.70 $2,730.9193 $1,783.49 $2,051.02 $2,449.97 $2,817.48 $2,880.55 $3,312.62 $2,708.33 $3,114.58 $2,959.19 $3,403.07 $2,396.94 $2,756.4894 $1,800.96 $2,071.10 $2,471.19 $2,841.87 $2,904.27 $3,339.92 $2,727.03 $3,136.09 $2,984.15 $3,431.78 $2,417.17 $2,779.7495 $1,819.68 $2,092.63 $2,492.42 $2,866.29 $2,927.98 $3,367.18 $2,744.51 $3,156.20 $3,007.87 $3,459.05 $2,436.37 $2,801.8296 $1,837.18 $2,112.74 $2,512.38 $2,889.25 $2,951.70 $3,394.46 $2,760.74 $3,174.86 $3,032.83 $3,487.76 $2,456.60 $2,825.0897 $1,855.88 $2,134.27 $2,533.58 $2,913.63 $2,975.42 $3,421.73 $2,778.22 $3,194.97 $3,056.54 $3,515.02 $2,475.78 $2,847.1698 $1,874.62 $2,155.81 $2,554.82 $2,938.05 $2,999.12 $3,448.99 $2,795.70 $3,215.05 $3,081.50 $3,543.72 $2,496.01 $2,870.4299 $1,893.34 $2,177.34 $2,574.78 $2,960.99 $3,024.09 $3,477.70 $2,814.42 $3,236.58 $3,106.46 $3,572.42 $2,516.22 $2,893.67
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 5
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Annual Smoker Premium RatesFor Use In All Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $1,424.34 $1,638.00 $1,837.78 $2,113.45 $2,205.97 $2,536.86 $2,020.32 $2,323.36 $2,266.80 $2,606.84 $1,836.12 $2,111.5366 $1,494.56 $1,718.75 $1,932.94 $2,222.90 $2,308.94 $2,655.29 $2,124.83 $2,443.56 $2,372.91 $2,728.86 $1,922.06 $2,210.3767 $1,563.21 $1,797.69 $2,026.55 $2,330.54 $2,413.48 $2,775.49 $2,229.36 $2,563.77 $2,478.98 $2,850.83 $2,007.98 $2,309.1968 $1,631.84 $1,876.63 $2,120.16 $2,438.17 $2,516.43 $2,893.90 $2,333.89 $2,683.98 $2,585.08 $2,972.84 $2,093.90 $2,407.9969 $1,700.49 $1,955.56 $2,212.21 $2,544.05 $2,619.39 $3,012.29 $2,438.42 $2,804.20 $2,691.14 $3,094.81 $2,179.84 $2,506.8170 $1,766.03 $2,030.94 $2,304.24 $2,649.89 $2,720.79 $3,128.92 $2,542.96 $2,924.40 $2,795.69 $3,215.06 $2,264.50 $2,604.1771 $1,829.97 $2,104.46 $2,394.73 $2,753.96 $2,822.21 $3,245.55 $2,644.35 $3,041.01 $2,900.21 $3,335.24 $2,349.16 $2,701.5472 $1,892.38 $2,176.24 $2,482.11 $2,854.43 $2,920.51 $3,358.60 $2,744.20 $3,155.84 $3,001.63 $3,451.87 $2,431.31 $2,796.0173 $1,951.69 $2,244.44 $2,567.91 $2,953.11 $3,017.21 $3,469.80 $2,840.94 $3,267.09 $3,099.89 $3,564.87 $2,510.91 $2,887.5574 $2,009.38 $2,310.80 $2,650.59 $3,048.18 $3,110.83 $3,577.48 $2,934.52 $3,374.72 $3,196.63 $3,676.13 $2,589.28 $2,977.6875 $2,062.44 $2,371.81 $2,730.16 $3,139.69 $3,201.31 $3,681.50 $3,025.01 $3,478.78 $3,288.67 $3,781.97 $2,663.81 $3,063.3976 $2,112.36 $2,429.22 $2,805.03 $3,225.80 $3,287.12 $3,780.19 $3,110.83 $3,577.48 $3,376.05 $3,882.46 $2,734.58 $3,144.7877 $2,157.61 $2,481.23 $2,875.25 $3,306.54 $3,368.24 $3,873.47 $3,191.95 $3,670.75 $3,460.29 $3,979.35 $2,802.82 $3,223.2478 $2,198.16 $2,527.89 $2,940.77 $3,381.88 $3,443.13 $3,959.62 $3,266.82 $3,756.84 $3,538.30 $4,069.03 $2,866.01 $3,295.9279 $2,235.60 $2,570.95 $3,000.06 $3,450.05 $3,514.88 $4,042.13 $3,337.05 $3,837.60 $3,611.62 $4,153.37 $2,925.41 $3,364.2280 $2,268.36 $2,608.62 $3,054.65 $3,512.86 $3,578.86 $4,115.69 $3,401.01 $3,911.18 $3,677.16 $4,228.72 $2,978.49 $3,425.2581 $2,294.90 $2,639.14 $3,103.02 $3,568.48 $3,638.14 $4,183.87 $3,457.17 $3,975.74 $3,738.00 $4,298.69 $3,027.75 $3,481.9482 $2,321.40 $2,669.62 $3,151.39 $3,624.11 $3,695.86 $4,250.24 $3,513.34 $4,040.35 $3,797.28 $4,366.87 $3,075.78 $3,537.1583 $2,347.94 $2,700.14 $3,198.19 $3,677.92 $3,752.04 $4,314.84 $3,567.94 $4,103.15 $3,854.99 $4,433.24 $3,122.54 $3,590.9484 $2,376.02 $2,732.41 $3,243.43 $3,729.95 $3,806.65 $4,377.64 $3,620.99 $4,164.15 $3,911.18 $4,497.86 $3,168.03 $3,643.2485 $2,402.54 $2,762.93 $3,288.67 $3,781.97 $3,861.23 $4,440.42 $3,674.03 $4,225.14 $3,967.32 $4,562.42 $3,213.54 $3,695.5786 $2,429.06 $2,793.42 $3,332.37 $3,832.23 $3,912.72 $4,499.63 $3,717.72 $4,275.37 $4,020.38 $4,623.44 $3,256.49 $3,744.9687 $2,455.57 $2,823.92 $3,374.48 $3,880.66 $3,964.22 $4,558.84 $3,761.39 $4,325.61 $4,073.42 $4,684.44 $3,299.46 $3,794.3988 $2,483.66 $2,856.22 $3,415.03 $3,927.29 $4,012.57 $4,614.46 $3,801.95 $4,372.25 $4,123.33 $4,741.83 $3,339.90 $3,840.8789 $2,510.18 $2,886.72 $3,454.05 $3,972.16 $4,059.36 $4,668.28 $3,840.97 $4,417.10 $4,171.70 $4,797.46 $3,379.08 $3,885.9490 $2,536.72 $2,917.22 $3,493.04 $4,017.01 $4,104.61 $4,720.30 $3,878.39 $4,460.15 $4,218.50 $4,851.26 $3,416.98 $3,929.5391 $2,563.22 $2,947.72 $3,528.93 $4,058.27 $4,148.29 $4,770.55 $3,912.72 $4,499.63 $4,262.20 $4,901.53 $3,452.37 $3,970.2292 $2,591.32 $2,980.02 $3,563.24 $4,097.75 $4,188.84 $4,817.18 $3,945.48 $4,537.31 $4,304.32 $4,949.96 $3,486.48 $4,009.4593 $2,617.84 $3,010.51 $3,597.59 $4,137.21 $4,227.86 $4,862.04 $3,975.11 $4,571.38 $4,343.31 $4,994.81 $3,518.08 $4,045.7994 $2,644.35 $3,041.01 $3,628.77 $4,173.09 $4,263.75 $4,903.30 $4,003.20 $4,603.69 $4,380.76 $5,037.87 $3,548.40 $4,080.6895 $2,670.90 $3,071.53 $3,658.42 $4,207.18 $4,298.08 $4,942.81 $4,028.17 $4,632.39 $4,416.63 $5,079.12 $3,577.48 $4,114.0796 $2,697.39 $3,102.00 $3,688.06 $4,241.27 $4,332.40 $4,982.26 $4,053.12 $4,661.10 $4,450.95 $5,118.61 $3,605.27 $4,146.0697 $2,723.93 $3,132.53 $3,719.28 $4,277.16 $4,368.26 $5,023.50 $4,079.66 $4,691.62 $4,486.84 $5,159.88 $3,634.34 $4,179.5098 $2,752.00 $3,164.81 $3,748.90 $4,311.24 $4,402.58 $5,062.99 $4,104.61 $4,720.30 $4,524.29 $5,202.92 $3,664.66 $4,214.3699 $2,780.09 $3,197.10 $3,780.11 $4,347.12 $4,438.47 $5,104.24 $4,131.14 $4,750.81 $4,560.16 $5,244.18 $3,693.72 $4,247.79
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 6
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Annual Smoker Premium RatesFor Use In All Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $1,281.91 $1,474.20 $1,654.00 $1,902.11 $1,985.37 $2,283.17 $1,818.29 $2,091.02 $2,040.12 $2,346.16 $1,652.51 $1,900.3866 $1,345.10 $1,546.88 $1,739.65 $2,000.61 $2,078.05 $2,389.76 $1,912.35 $2,199.20 $2,135.62 $2,455.97 $1,729.85 $1,989.3367 $1,406.89 $1,617.92 $1,823.90 $2,097.49 $2,172.13 $2,497.94 $2,006.42 $2,307.39 $2,231.08 $2,565.75 $1,807.18 $2,078.2768 $1,468.66 $1,688.97 $1,908.14 $2,194.35 $2,264.79 $2,604.51 $2,100.50 $2,415.58 $2,326.57 $2,675.56 $1,884.51 $2,167.1969 $1,530.44 $1,760.00 $1,990.99 $2,289.65 $2,357.45 $2,711.06 $2,194.58 $2,523.78 $2,422.03 $2,785.33 $1,961.86 $2,256.1370 $1,589.43 $1,827.85 $2,073.82 $2,384.90 $2,448.71 $2,816.03 $2,288.66 $2,631.96 $2,516.12 $2,893.55 $2,038.05 $2,343.7571 $1,646.97 $1,894.01 $2,155.26 $2,478.56 $2,539.99 $2,921.00 $2,379.92 $2,736.91 $2,610.19 $3,001.72 $2,114.24 $2,431.3972 $1,703.14 $1,958.62 $2,233.90 $2,568.99 $2,628.46 $3,022.74 $2,469.78 $2,840.26 $2,701.47 $3,106.68 $2,188.18 $2,516.4173 $1,756.52 $2,020.00 $2,311.12 $2,657.80 $2,715.49 $3,122.82 $2,556.85 $2,940.38 $2,789.90 $3,208.38 $2,259.82 $2,598.8074 $1,808.44 $2,079.72 $2,385.53 $2,743.36 $2,799.75 $3,219.73 $2,641.07 $3,037.25 $2,876.97 $3,308.52 $2,330.35 $2,679.9175 $1,856.20 $2,134.63 $2,457.14 $2,825.72 $2,881.18 $3,313.35 $2,722.51 $3,130.90 $2,959.80 $3,403.77 $2,397.43 $2,757.0576 $1,901.12 $2,186.30 $2,524.53 $2,903.22 $2,958.41 $3,402.17 $2,799.75 $3,219.73 $3,038.45 $3,494.21 $2,461.12 $2,830.3077 $1,941.85 $2,233.11 $2,587.73 $2,975.89 $3,031.42 $3,486.12 $2,872.76 $3,303.68 $3,114.26 $3,581.42 $2,522.54 $2,900.9278 $1,978.34 $2,275.10 $2,646.69 $3,043.69 $3,098.82 $3,563.66 $2,940.14 $3,381.16 $3,184.47 $3,662.13 $2,579.41 $2,966.3379 $2,012.04 $2,313.86 $2,700.05 $3,105.05 $3,163.39 $3,637.92 $3,003.35 $3,453.84 $3,250.46 $3,738.03 $2,632.87 $3,027.8080 $2,041.52 $2,347.76 $2,749.19 $3,161.57 $3,220.97 $3,704.12 $3,060.91 $3,520.06 $3,309.44 $3,805.85 $2,680.64 $3,082.7381 $2,065.41 $2,375.23 $2,792.72 $3,211.63 $3,274.33 $3,765.48 $3,111.45 $3,578.17 $3,364.20 $3,868.82 $2,724.98 $3,133.7582 $2,089.26 $2,402.66 $2,836.25 $3,261.70 $3,326.27 $3,825.22 $3,162.01 $3,636.32 $3,417.55 $3,930.18 $2,768.20 $3,183.4483 $2,113.15 $2,430.13 $2,878.37 $3,310.13 $3,376.84 $3,883.36 $3,211.15 $3,692.84 $3,469.49 $3,989.92 $2,810.29 $3,231.8584 $2,138.42 $2,459.17 $2,919.09 $3,356.96 $3,425.99 $3,939.88 $3,258.89 $3,747.74 $3,520.06 $4,048.07 $2,851.23 $3,278.9285 $2,162.29 $2,486.64 $2,959.80 $3,403.77 $3,475.11 $3,996.38 $3,306.63 $3,802.63 $3,570.59 $4,106.18 $2,892.19 $3,326.0186 $2,186.15 $2,514.08 $2,999.13 $3,449.01 $3,521.45 $4,049.67 $3,345.95 $3,847.83 $3,618.34 $4,161.10 $2,930.84 $3,370.4687 $2,210.01 $2,541.53 $3,037.03 $3,492.59 $3,567.80 $4,102.96 $3,385.25 $3,893.05 $3,666.08 $4,216.00 $2,969.51 $3,414.9588 $2,235.29 $2,570.60 $3,073.53 $3,534.56 $3,611.31 $4,153.01 $3,421.76 $3,935.03 $3,711.00 $4,267.65 $3,005.91 $3,456.7889 $2,259.16 $2,598.05 $3,108.65 $3,574.94 $3,653.42 $4,201.45 $3,456.87 $3,975.39 $3,754.53 $4,317.71 $3,041.17 $3,497.3590 $2,283.05 $2,625.50 $3,143.74 $3,615.31 $3,694.15 $4,248.27 $3,490.55 $4,014.14 $3,796.65 $4,366.13 $3,075.28 $3,536.5891 $2,306.90 $2,652.95 $3,176.04 $3,652.44 $3,733.46 $4,293.50 $3,521.45 $4,049.67 $3,835.98 $4,411.38 $3,107.13 $3,573.2092 $2,332.19 $2,682.02 $3,206.92 $3,687.98 $3,769.96 $4,335.46 $3,550.93 $4,083.58 $3,873.89 $4,454.96 $3,137.83 $3,608.5193 $2,356.06 $2,709.46 $3,237.83 $3,723.49 $3,805.07 $4,375.84 $3,577.60 $4,114.24 $3,908.98 $4,495.33 $3,166.27 $3,641.2194 $2,379.92 $2,736.91 $3,265.89 $3,755.78 $3,837.38 $4,412.97 $3,602.88 $4,143.32 $3,942.68 $4,534.08 $3,193.56 $3,672.6195 $2,403.81 $2,764.38 $3,292.58 $3,786.46 $3,868.27 $4,448.53 $3,625.35 $4,169.15 $3,974.97 $4,571.21 $3,219.73 $3,702.6696 $2,427.65 $2,791.80 $3,319.25 $3,817.14 $3,899.16 $4,484.03 $3,647.81 $4,194.99 $4,005.86 $4,606.75 $3,244.74 $3,731.4597 $2,451.54 $2,819.28 $3,347.35 $3,849.44 $3,931.43 $4,521.15 $3,671.69 $4,222.46 $4,038.16 $4,643.89 $3,270.91 $3,761.5598 $2,476.80 $2,848.33 $3,374.01 $3,880.12 $3,962.32 $4,556.69 $3,694.15 $4,248.27 $4,071.86 $4,682.63 $3,298.19 $3,792.9299 $2,502.08 $2,877.39 $3,402.10 $3,912.41 $3,994.62 $4,593.82 $3,718.03 $4,275.73 $4,104.14 $4,719.76 $3,324.35 $3,823.01
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 7
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Annual Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $1,139.47 $1,310.40 $1,470.22 $1,690.76 $1,764.78 $2,029.49 $1,616.26 $1,858.69 $1,813.44 $2,085.47 $1,468.90 $1,689.2266 $1,195.65 $1,375.00 $1,546.35 $1,778.32 $1,847.15 $2,124.23 $1,699.86 $1,954.85 $1,898.33 $2,183.09 $1,537.65 $1,768.3067 $1,250.57 $1,438.15 $1,621.24 $1,864.43 $1,930.78 $2,220.39 $1,783.49 $2,051.02 $1,983.18 $2,280.66 $1,606.38 $1,847.3568 $1,305.47 $1,501.30 $1,696.13 $1,950.54 $2,013.14 $2,315.12 $1,867.11 $2,147.18 $2,068.06 $2,378.27 $1,675.12 $1,926.3969 $1,360.39 $1,564.45 $1,769.77 $2,035.24 $2,095.51 $2,409.83 $1,950.74 $2,243.36 $2,152.91 $2,475.85 $1,743.87 $2,005.4570 $1,412.82 $1,624.75 $1,843.39 $2,119.91 $2,176.63 $2,503.14 $2,034.37 $2,339.52 $2,236.55 $2,572.05 $1,811.60 $2,083.3471 $1,463.98 $1,683.57 $1,915.78 $2,203.17 $2,257.77 $2,596.44 $2,115.48 $2,432.81 $2,320.17 $2,668.19 $1,879.33 $2,161.2372 $1,513.90 $1,740.99 $1,985.69 $2,283.54 $2,336.41 $2,686.88 $2,195.36 $2,524.67 $2,401.30 $2,761.50 $1,945.05 $2,236.8173 $1,561.35 $1,795.55 $2,054.33 $2,362.49 $2,413.77 $2,775.84 $2,272.75 $2,613.67 $2,479.91 $2,851.90 $2,008.73 $2,310.0474 $1,607.50 $1,848.64 $2,120.47 $2,438.54 $2,488.66 $2,861.98 $2,347.62 $2,699.78 $2,557.30 $2,940.90 $2,071.42 $2,382.1475 $1,649.95 $1,897.45 $2,184.13 $2,511.75 $2,561.05 $2,945.20 $2,420.01 $2,783.02 $2,630.94 $3,025.58 $2,131.05 $2,450.7176 $1,689.89 $1,943.38 $2,244.02 $2,580.64 $2,629.70 $3,024.15 $2,488.66 $2,861.98 $2,700.84 $3,105.97 $2,187.66 $2,515.8277 $1,726.09 $1,984.98 $2,300.20 $2,645.23 $2,694.59 $3,098.78 $2,553.56 $2,936.60 $2,768.23 $3,183.48 $2,242.26 $2,578.5978 $1,758.53 $2,022.31 $2,352.62 $2,705.50 $2,754.50 $3,167.70 $2,613.46 $3,005.47 $2,830.64 $3,255.22 $2,292.81 $2,636.7479 $1,788.48 $2,056.76 $2,400.05 $2,760.04 $2,811.90 $3,233.70 $2,669.64 $3,070.08 $2,889.30 $3,322.70 $2,340.33 $2,691.3880 $1,814.69 $2,086.90 $2,443.72 $2,810.29 $2,863.09 $3,292.55 $2,720.81 $3,128.94 $2,941.73 $3,382.98 $2,382.79 $2,740.2081 $1,835.92 $2,111.31 $2,482.42 $2,854.78 $2,910.51 $3,347.10 $2,765.74 $3,180.59 $2,990.40 $3,438.95 $2,422.20 $2,785.5582 $1,857.12 $2,135.70 $2,521.11 $2,899.29 $2,956.69 $3,400.19 $2,810.67 $3,232.28 $3,037.82 $3,493.50 $2,460.62 $2,829.7283 $1,878.35 $2,160.11 $2,558.55 $2,942.34 $3,001.63 $3,451.87 $2,854.35 $3,282.52 $3,083.99 $3,546.59 $2,498.03 $2,872.7584 $1,900.82 $2,185.93 $2,594.74 $2,983.96 $3,045.32 $3,502.11 $2,896.79 $3,331.32 $3,128.94 $3,598.29 $2,534.42 $2,914.5985 $1,922.03 $2,210.34 $2,630.94 $3,025.58 $3,088.98 $3,552.34 $2,939.22 $3,380.11 $3,173.86 $3,649.94 $2,570.83 $2,956.4686 $1,943.25 $2,234.74 $2,665.90 $3,065.78 $3,130.18 $3,599.70 $2,974.18 $3,420.30 $3,216.30 $3,698.75 $2,605.19 $2,995.9787 $1,964.46 $2,259.14 $2,699.58 $3,104.53 $3,171.38 $3,647.07 $3,009.11 $3,460.49 $3,258.74 $3,747.55 $2,639.57 $3,035.5188 $1,986.93 $2,284.98 $2,732.02 $3,141.83 $3,210.06 $3,691.57 $3,041.56 $3,497.80 $3,298.66 $3,793.46 $2,671.92 $3,072.7089 $2,008.14 $2,309.38 $2,763.24 $3,177.73 $3,247.49 $3,734.62 $3,072.78 $3,533.68 $3,337.36 $3,837.97 $2,703.26 $3,108.7590 $2,029.38 $2,333.78 $2,794.43 $3,213.61 $3,283.69 $3,776.24 $3,102.71 $3,568.12 $3,374.80 $3,881.01 $2,733.58 $3,143.6291 $2,050.58 $2,358.18 $2,823.14 $3,246.62 $3,318.63 $3,816.44 $3,130.18 $3,599.70 $3,409.76 $3,921.22 $2,761.90 $3,176.1892 $2,073.06 $2,384.02 $2,850.59 $3,278.20 $3,351.07 $3,853.74 $3,156.38 $3,629.85 $3,443.46 $3,959.97 $2,789.18 $3,207.5693 $2,094.27 $2,408.41 $2,878.07 $3,309.77 $3,382.29 $3,889.63 $3,180.09 $3,657.10 $3,474.65 $3,995.85 $2,814.46 $3,236.6394 $2,115.48 $2,432.81 $2,903.02 $3,338.47 $3,411.00 $3,922.64 $3,202.56 $3,682.95 $3,504.61 $4,030.30 $2,838.72 $3,264.5495 $2,136.72 $2,457.22 $2,926.74 $3,365.74 $3,438.46 $3,954.25 $3,222.54 $3,705.91 $3,533.30 $4,063.30 $2,861.98 $3,291.2696 $2,157.91 $2,481.60 $2,950.45 $3,393.02 $3,465.92 $3,985.81 $3,242.50 $3,728.88 $3,560.76 $4,094.89 $2,884.22 $3,316.8597 $2,179.14 $2,506.02 $2,975.42 $3,421.73 $3,494.61 $4,018.80 $3,263.73 $3,753.30 $3,589.47 $4,127.90 $2,907.47 $3,343.6098 $2,201.60 $2,531.85 $2,999.12 $3,448.99 $3,522.06 $4,050.39 $3,283.69 $3,776.24 $3,619.43 $4,162.34 $2,931.73 $3,371.4999 $2,224.07 $2,557.68 $3,024.09 $3,477.70 $3,550.78 $4,083.39 $3,304.91 $3,800.65 $3,648.13 $4,195.34 $2,954.98 $3,398.23
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 8
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Semi-Annual Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $625.07 $718.84 $806.65 $927.64 $967.35 $1,112.45 $885.39 $1,018.21 $993.86 $1,142.93 $805.03 $925.7866 $655.61 $753.95 $847.63 $974.78 $1,013.14 $1,165.12 $932.00 $1,071.80 $1,040.46 $1,196.53 $842.77 $969.1967 $685.34 $788.14 $888.60 $1,021.90 $1,058.14 $1,216.86 $977.79 $1,124.47 $1,087.07 $1,250.12 $880.52 $1,012.6068 $715.87 $823.25 $929.59 $1,069.03 $1,103.13 $1,268.60 $1,023.59 $1,177.13 $1,133.66 $1,303.72 $918.26 $1,056.0169 $745.60 $857.44 $970.56 $1,116.15 $1,148.93 $1,321.28 $1,069.39 $1,229.80 $1,180.26 $1,357.29 $956.02 $1,099.4170 $774.52 $890.70 $1,010.73 $1,162.34 $1,193.12 $1,372.08 $1,115.19 $1,282.47 $1,226.06 $1,409.97 $993.11 $1,142.0771 $802.64 $923.03 $1,050.11 $1,207.63 $1,237.31 $1,422.91 $1,159.37 $1,333.27 $1,271.85 $1,462.63 $1,030.20 $1,184.7372 $829.95 $954.45 $1,088.67 $1,251.97 $1,280.69 $1,472.81 $1,203.57 $1,384.10 $1,316.04 $1,513.46 $1,065.99 $1,225.9073 $855.67 $984.02 $1,126.44 $1,295.40 $1,323.28 $1,521.77 $1,246.15 $1,433.07 $1,359.44 $1,563.35 $1,101.14 $1,266.3274 $880.58 $1,012.65 $1,162.59 $1,336.98 $1,364.25 $1,568.89 $1,287.12 $1,480.18 $1,402.01 $1,612.32 $1,135.64 $1,305.9775 $903.88 $1,039.46 $1,197.14 $1,376.71 $1,403.62 $1,614.17 $1,326.50 $1,525.47 $1,442.20 $1,658.53 $1,168.17 $1,343.4076 $926.37 $1,065.32 $1,230.07 $1,414.59 $1,441.38 $1,657.59 $1,364.25 $1,568.89 $1,480.75 $1,702.87 $1,199.41 $1,379.3177 $946.46 $1,088.43 $1,260.61 $1,449.70 $1,476.74 $1,698.24 $1,399.62 $1,609.56 $1,517.71 $1,745.37 $1,229.35 $1,413.7578 $964.14 $1,108.75 $1,289.54 $1,482.97 $1,510.47 $1,737.06 $1,432.54 $1,647.43 $1,551.46 $1,784.18 $1,256.69 $1,445.1979 $980.20 $1,127.24 $1,316.04 $1,513.46 $1,541.01 $1,772.18 $1,463.08 $1,682.55 $1,583.60 $1,821.13 $1,282.72 $1,475.1280 $994.66 $1,143.86 $1,339.34 $1,540.25 $1,569.94 $1,805.43 $1,491.20 $1,714.88 $1,612.53 $1,854.41 $1,306.14 $1,502.0681 $1,005.91 $1,156.80 $1,361.04 $1,565.20 $1,595.65 $1,835.00 $1,516.11 $1,743.53 $1,639.03 $1,884.89 $1,327.62 $1,526.7682 $1,017.97 $1,170.67 $1,381.93 $1,589.23 $1,620.57 $1,863.66 $1,541.01 $1,772.18 $1,664.74 $1,914.46 $1,348.43 $1,550.7183 $1,030.02 $1,184.52 $1,402.01 $1,612.32 $1,645.46 $1,892.27 $1,565.12 $1,799.88 $1,690.45 $1,944.03 $1,369.27 $1,574.6684 $1,041.26 $1,197.46 $1,422.10 $1,635.41 $1,669.57 $1,920.00 $1,588.41 $1,826.68 $1,715.37 $1,972.67 $1,389.45 $1,597.8785 $1,053.32 $1,211.33 $1,442.20 $1,658.53 $1,692.87 $1,946.80 $1,610.92 $1,852.56 $1,739.47 $2,000.38 $1,408.96 $1,620.3186 $1,065.37 $1,225.17 $1,460.66 $1,679.77 $1,716.17 $1,973.60 $1,630.99 $1,875.65 $1,763.57 $2,028.11 $1,428.50 $1,642.7787 $1,077.42 $1,239.04 $1,479.95 $1,701.95 $1,738.67 $1,999.47 $1,649.48 $1,896.90 $1,786.07 $2,053.97 $1,446.71 $1,663.7388 $1,088.67 $1,251.97 $1,497.63 $1,722.27 $1,759.55 $2,023.49 $1,667.15 $1,917.23 $1,808.57 $2,079.85 $1,464.93 $1,684.6789 $1,100.71 $1,265.82 $1,514.50 $1,741.67 $1,780.44 $2,047.51 $1,684.83 $1,937.56 $1,829.46 $2,103.88 $1,481.86 $1,704.1490 $1,112.77 $1,279.68 $1,531.38 $1,761.08 $1,800.53 $2,070.60 $1,700.91 $1,956.04 $1,849.54 $2,126.98 $1,498.12 $1,722.8491 $1,124.02 $1,292.63 $1,547.45 $1,779.56 $1,819.00 $2,091.86 $1,716.17 $1,973.60 $1,868.82 $2,149.14 $1,513.75 $1,740.8092 $1,136.07 $1,306.48 $1,562.71 $1,797.11 $1,836.69 $2,112.19 $1,729.83 $1,989.30 $1,887.30 $2,170.40 $1,528.72 $1,758.0293 $1,148.12 $1,320.34 $1,577.17 $1,813.75 $1,854.36 $2,132.50 $1,743.49 $2,005.01 $1,904.98 $2,190.73 $1,543.03 $1,774.4894 $1,159.37 $1,333.27 $1,590.83 $1,829.46 $1,869.63 $2,150.07 $1,755.53 $2,018.86 $1,921.05 $2,209.21 $1,556.05 $1,789.4695 $1,171.42 $1,347.13 $1,604.49 $1,845.17 $1,884.89 $2,167.62 $1,766.78 $2,031.80 $1,936.32 $2,226.76 $1,568.41 $1,803.6796 $1,182.68 $1,360.08 $1,617.34 $1,859.95 $1,900.15 $2,185.18 $1,777.23 $2,043.82 $1,952.39 $2,245.25 $1,581.44 $1,818.6597 $1,194.72 $1,373.94 $1,630.99 $1,875.65 $1,915.43 $2,202.74 $1,788.48 $2,056.76 $1,967.65 $2,262.80 $1,593.79 $1,832.8698 $1,206.78 $1,387.80 $1,644.67 $1,891.37 $1,930.68 $2,220.29 $1,799.73 $2,069.69 $1,983.71 $2,281.27 $1,606.81 $1,847.8499 $1,218.84 $1,401.67 $1,657.51 $1,906.14 $1,946.76 $2,238.77 $1,811.78 $2,083.55 $1,999.79 $2,299.75 $1,619.82 $1,862.80
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 9
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Semi-Annual Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $562.56 $646.96 $725.98 $834.88 $870.62 $1,001.21 $796.85 $916.39 $894.48 $1,028.64 $724.52 $833.2066 $590.05 $678.56 $762.87 $877.30 $911.83 $1,048.61 $838.80 $964.62 $936.42 $1,076.88 $758.49 $872.2767 $616.80 $709.32 $799.74 $919.71 $952.33 $1,095.18 $880.01 $1,012.02 $978.36 $1,125.11 $792.46 $911.3468 $644.28 $740.92 $836.63 $962.12 $992.82 $1,141.74 $921.23 $1,059.42 $1,020.29 $1,173.35 $826.43 $950.4169 $671.04 $771.70 $873.50 $1,004.53 $1,034.04 $1,189.15 $962.45 $1,106.82 $1,062.23 $1,221.56 $860.41 $989.4770 $697.07 $801.63 $909.66 $1,046.11 $1,073.80 $1,234.88 $1,003.67 $1,154.22 $1,103.45 $1,268.97 $893.79 $1,027.8671 $722.37 $830.73 $945.10 $1,086.87 $1,113.58 $1,280.62 $1,043.43 $1,199.95 $1,144.66 $1,316.36 $927.18 $1,066.2672 $746.96 $859.00 $979.80 $1,126.77 $1,152.62 $1,325.53 $1,083.21 $1,245.69 $1,184.44 $1,362.12 $959.39 $1,103.3173 $770.10 $885.62 $1,013.80 $1,165.86 $1,190.95 $1,369.60 $1,121.54 $1,289.76 $1,223.50 $1,407.02 $991.02 $1,139.6974 $792.52 $911.39 $1,046.33 $1,203.28 $1,227.83 $1,412.00 $1,158.41 $1,332.16 $1,261.81 $1,451.08 $1,022.07 $1,175.3875 $813.49 $935.51 $1,077.42 $1,239.04 $1,263.26 $1,452.75 $1,193.85 $1,372.92 $1,297.98 $1,492.67 $1,051.36 $1,209.0676 $833.73 $958.79 $1,107.07 $1,273.13 $1,297.24 $1,491.84 $1,227.83 $1,412.00 $1,332.68 $1,532.58 $1,079.47 $1,241.3877 $851.81 $979.58 $1,134.55 $1,304.73 $1,329.06 $1,528.42 $1,259.65 $1,448.60 $1,365.94 $1,570.83 $1,106.42 $1,272.3878 $867.72 $997.88 $1,160.59 $1,334.67 $1,359.43 $1,563.35 $1,289.29 $1,482.69 $1,396.31 $1,605.76 $1,131.02 $1,300.6779 $882.18 $1,014.51 $1,184.44 $1,362.12 $1,386.91 $1,594.96 $1,316.78 $1,514.30 $1,425.24 $1,639.02 $1,154.44 $1,327.6180 $895.19 $1,029.48 $1,205.41 $1,386.22 $1,412.95 $1,624.88 $1,342.08 $1,543.39 $1,451.28 $1,668.97 $1,175.52 $1,351.8681 $905.32 $1,041.12 $1,224.93 $1,408.68 $1,436.08 $1,651.50 $1,364.50 $1,569.18 $1,475.13 $1,696.41 $1,194.86 $1,374.0882 $916.17 $1,053.60 $1,243.74 $1,430.31 $1,458.51 $1,677.29 $1,386.91 $1,594.96 $1,498.27 $1,723.01 $1,213.59 $1,395.6483 $927.02 $1,066.06 $1,261.81 $1,451.08 $1,480.91 $1,703.05 $1,408.60 $1,619.89 $1,521.41 $1,749.62 $1,232.34 $1,417.1984 $937.14 $1,077.72 $1,279.89 $1,471.87 $1,502.61 $1,728.00 $1,429.57 $1,644.01 $1,543.83 $1,775.40 $1,250.51 $1,438.0885 $947.99 $1,090.19 $1,297.98 $1,492.67 $1,523.58 $1,752.12 $1,449.83 $1,667.30 $1,565.52 $1,800.35 $1,268.07 $1,458.2886 $958.83 $1,102.66 $1,314.60 $1,511.79 $1,544.55 $1,776.24 $1,467.90 $1,688.09 $1,587.21 $1,825.30 $1,285.65 $1,478.4987 $969.67 $1,115.13 $1,331.95 $1,531.75 $1,564.80 $1,799.52 $1,484.53 $1,707.21 $1,607.46 $1,848.57 $1,302.04 $1,497.3688 $979.80 $1,126.77 $1,347.86 $1,550.05 $1,583.60 $1,821.14 $1,500.44 $1,725.50 $1,627.71 $1,871.87 $1,318.44 $1,516.2189 $990.64 $1,139.24 $1,363.05 $1,567.50 $1,602.40 $1,842.76 $1,516.35 $1,743.81 $1,646.51 $1,893.49 $1,333.67 $1,533.7290 $1,001.49 $1,151.71 $1,378.24 $1,584.98 $1,620.48 $1,863.54 $1,530.82 $1,760.43 $1,664.59 $1,914.28 $1,348.31 $1,550.5691 $1,011.62 $1,163.37 $1,392.70 $1,601.60 $1,637.10 $1,882.67 $1,544.55 $1,776.24 $1,681.93 $1,934.23 $1,362.37 $1,566.7292 $1,022.47 $1,175.83 $1,406.44 $1,617.40 $1,653.02 $1,900.97 $1,556.85 $1,790.37 $1,698.57 $1,953.36 $1,375.84 $1,582.2293 $1,033.31 $1,188.31 $1,419.45 $1,632.38 $1,668.92 $1,919.25 $1,569.14 $1,804.51 $1,714.48 $1,971.65 $1,388.72 $1,597.0494 $1,043.43 $1,199.95 $1,431.75 $1,646.51 $1,682.66 $1,935.07 $1,579.97 $1,816.97 $1,728.94 $1,988.29 $1,400.45 $1,610.5195 $1,054.28 $1,212.42 $1,444.04 $1,660.66 $1,696.40 $1,950.86 $1,590.10 $1,828.62 $1,742.69 $2,004.09 $1,411.57 $1,623.3196 $1,064.41 $1,224.07 $1,455.61 $1,673.96 $1,710.14 $1,966.66 $1,599.51 $1,839.44 $1,757.15 $2,020.72 $1,423.29 $1,636.7897 $1,075.25 $1,236.54 $1,467.90 $1,688.09 $1,723.89 $1,982.46 $1,609.63 $1,851.08 $1,770.88 $2,036.52 $1,434.41 $1,649.5798 $1,086.11 $1,249.02 $1,480.20 $1,702.23 $1,737.62 $1,998.26 $1,619.76 $1,862.72 $1,785.34 $2,053.14 $1,446.12 $1,663.0599 $1,096.95 $1,261.50 $1,491.76 $1,715.52 $1,752.08 $2,014.89 $1,630.60 $1,875.19 $1,799.81 $2,069.77 $1,457.84 $1,676.52
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 10
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Semi-Annual Non-Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $500.06 $575.07 $645.32 $742.12 $773.88 $889.96 $708.31 $814.57 $795.09 $914.35 $644.02 $740.6266 $524.49 $603.16 $678.11 $779.83 $810.51 $932.10 $745.60 $857.44 $832.37 $957.22 $674.21 $775.3567 $548.27 $630.51 $710.88 $817.52 $846.51 $973.49 $782.23 $899.57 $869.65 $1,000.10 $704.41 $810.0868 $572.69 $658.60 $743.67 $855.22 $882.50 $1,014.88 $818.87 $941.70 $906.93 $1,042.98 $734.61 $844.8169 $596.48 $685.95 $776.45 $892.92 $919.14 $1,057.02 $855.51 $983.84 $944.21 $1,085.83 $764.81 $879.5370 $619.62 $712.56 $808.59 $929.88 $954.49 $1,097.67 $892.15 $1,025.97 $980.84 $1,127.97 $794.48 $913.6671 $642.11 $738.43 $840.09 $966.10 $989.85 $1,138.33 $927.49 $1,066.62 $1,017.48 $1,170.10 $824.16 $947.7972 $663.96 $763.56 $870.94 $1,001.58 $1,024.55 $1,178.25 $962.85 $1,107.28 $1,052.83 $1,210.77 $852.79 $980.7273 $684.53 $787.22 $901.15 $1,036.32 $1,058.62 $1,217.42 $996.92 $1,146.46 $1,087.55 $1,250.68 $880.91 $1,013.0574 $704.46 $810.12 $930.07 $1,069.58 $1,091.40 $1,255.11 $1,029.70 $1,184.15 $1,121.61 $1,289.85 $908.51 $1,044.7875 $723.11 $831.57 $957.71 $1,101.37 $1,122.90 $1,291.34 $1,061.20 $1,220.38 $1,153.76 $1,326.82 $934.54 $1,074.7276 $741.09 $852.26 $984.06 $1,131.67 $1,153.11 $1,326.08 $1,091.40 $1,255.11 $1,184.60 $1,362.29 $959.53 $1,103.4577 $757.17 $870.74 $1,008.49 $1,159.76 $1,181.39 $1,358.59 $1,119.69 $1,287.64 $1,214.17 $1,396.29 $983.48 $1,131.0078 $771.31 $887.00 $1,031.63 $1,186.37 $1,208.38 $1,389.65 $1,146.04 $1,317.94 $1,241.17 $1,427.34 $1,005.35 $1,156.1579 $784.16 $901.79 $1,052.83 $1,210.77 $1,232.81 $1,417.74 $1,170.47 $1,346.04 $1,266.88 $1,456.91 $1,026.17 $1,180.1080 $795.73 $915.09 $1,071.47 $1,232.20 $1,255.95 $1,444.34 $1,192.96 $1,371.91 $1,290.03 $1,483.53 $1,044.91 $1,201.6581 $804.73 $925.44 $1,088.83 $1,252.16 $1,276.52 $1,468.00 $1,212.89 $1,394.83 $1,311.23 $1,507.92 $1,062.09 $1,221.4182 $814.38 $936.53 $1,105.54 $1,271.38 $1,296.45 $1,490.93 $1,232.81 $1,417.74 $1,331.79 $1,531.57 $1,078.75 $1,240.5683 $824.02 $947.61 $1,121.61 $1,289.85 $1,316.36 $1,513.82 $1,252.09 $1,439.90 $1,352.36 $1,555.22 $1,095.41 $1,259.7384 $833.01 $957.97 $1,137.68 $1,308.33 $1,335.65 $1,536.00 $1,270.73 $1,461.34 $1,372.29 $1,578.14 $1,111.56 $1,278.3085 $842.66 $969.06 $1,153.76 $1,326.82 $1,354.29 $1,557.44 $1,288.74 $1,482.05 $1,391.58 $1,600.31 $1,127.17 $1,296.2586 $852.30 $980.14 $1,168.53 $1,343.82 $1,372.94 $1,578.88 $1,304.80 $1,500.52 $1,410.86 $1,622.49 $1,142.80 $1,314.2187 $861.93 $991.23 $1,183.96 $1,361.56 $1,390.93 $1,599.57 $1,319.58 $1,517.52 $1,428.85 $1,643.18 $1,157.37 $1,330.9888 $870.94 $1,001.58 $1,198.10 $1,377.82 $1,407.64 $1,618.79 $1,333.72 $1,533.78 $1,446.86 $1,663.88 $1,171.95 $1,347.7489 $880.57 $1,012.66 $1,211.60 $1,393.33 $1,424.35 $1,638.00 $1,347.87 $1,550.05 $1,463.57 $1,683.10 $1,185.49 $1,363.3190 $890.22 $1,023.75 $1,225.10 $1,408.87 $1,440.43 $1,656.48 $1,360.72 $1,564.83 $1,479.63 $1,701.58 $1,198.50 $1,378.2791 $899.21 $1,034.10 $1,237.96 $1,423.65 $1,455.20 $1,673.49 $1,372.94 $1,578.88 $1,495.05 $1,719.31 $1,211.00 $1,392.6492 $908.86 $1,045.19 $1,250.16 $1,437.69 $1,469.35 $1,689.75 $1,383.86 $1,591.44 $1,509.84 $1,736.32 $1,222.97 $1,406.4293 $918.50 $1,056.27 $1,261.73 $1,451.00 $1,483.48 $1,706.00 $1,394.79 $1,604.01 $1,523.98 $1,752.58 $1,234.42 $1,419.5994 $927.49 $1,066.62 $1,272.66 $1,463.56 $1,495.70 $1,720.06 $1,404.42 $1,615.09 $1,536.84 $1,767.36 $1,244.84 $1,431.5795 $937.14 $1,077.71 $1,283.59 $1,476.14 $1,507.91 $1,734.10 $1,413.42 $1,625.44 $1,549.05 $1,781.41 $1,254.73 $1,442.9496 $946.15 $1,088.06 $1,293.87 $1,487.96 $1,520.12 $1,748.14 $1,421.78 $1,635.05 $1,561.91 $1,796.20 $1,265.15 $1,454.9297 $955.78 $1,099.15 $1,304.80 $1,500.52 $1,532.34 $1,762.19 $1,430.78 $1,645.41 $1,574.12 $1,810.24 $1,275.03 $1,466.2998 $965.43 $1,110.24 $1,315.73 $1,513.09 $1,544.55 $1,776.23 $1,439.78 $1,655.75 $1,586.97 $1,825.02 $1,285.44 $1,478.2799 $975.07 $1,121.33 $1,326.01 $1,524.91 $1,557.41 $1,791.01 $1,449.42 $1,666.84 $1,599.83 $1,839.80 $1,295.86 $1,490.24
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 11
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Semi-Annual Smoker Premium RatesFor Use In All Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $733.54 $843.57 $946.46 $1,088.43 $1,136.07 $1,306.48 $1,040.46 $1,196.53 $1,167.40 $1,342.52 $945.60 $1,087.4466 $769.70 $885.16 $995.46 $1,144.79 $1,189.10 $1,367.47 $1,094.29 $1,258.43 $1,222.05 $1,405.36 $989.86 $1,138.3467 $805.05 $925.81 $1,043.67 $1,200.23 $1,242.94 $1,429.38 $1,148.12 $1,320.34 $1,276.67 $1,468.18 $1,034.11 $1,189.2368 $840.40 $966.46 $1,091.88 $1,255.66 $1,295.96 $1,490.36 $1,201.95 $1,382.25 $1,331.32 $1,531.01 $1,078.36 $1,240.1169 $875.75 $1,007.11 $1,139.29 $1,310.19 $1,348.99 $1,551.33 $1,255.79 $1,444.16 $1,385.94 $1,593.83 $1,122.62 $1,291.0170 $909.51 $1,045.93 $1,186.68 $1,364.69 $1,401.21 $1,611.39 $1,309.62 $1,506.07 $1,439.78 $1,655.76 $1,166.22 $1,341.1571 $942.43 $1,083.80 $1,233.29 $1,418.29 $1,453.44 $1,671.46 $1,361.84 $1,566.12 $1,493.61 $1,717.65 $1,209.82 $1,391.2972 $974.58 $1,120.76 $1,278.29 $1,470.03 $1,504.06 $1,729.68 $1,413.26 $1,625.26 $1,545.84 $1,777.71 $1,252.12 $1,439.9573 $1,005.12 $1,155.89 $1,322.47 $1,520.85 $1,553.86 $1,786.95 $1,463.08 $1,682.55 $1,596.44 $1,835.91 $1,293.12 $1,487.0974 $1,034.83 $1,190.06 $1,365.05 $1,569.81 $1,602.08 $1,842.40 $1,511.28 $1,737.98 $1,646.26 $1,893.21 $1,333.48 $1,533.5175 $1,062.16 $1,221.48 $1,406.03 $1,616.94 $1,648.67 $1,895.97 $1,557.88 $1,791.57 $1,693.67 $1,947.71 $1,371.86 $1,577.6576 $1,087.87 $1,251.05 $1,444.59 $1,661.29 $1,692.87 $1,946.80 $1,602.08 $1,842.40 $1,738.67 $1,999.47 $1,408.31 $1,619.5677 $1,111.17 $1,277.83 $1,480.75 $1,702.87 $1,734.64 $1,994.84 $1,643.85 $1,890.44 $1,782.05 $2,049.37 $1,443.45 $1,659.9778 $1,132.05 $1,301.86 $1,514.50 $1,741.67 $1,773.21 $2,039.20 $1,682.41 $1,934.77 $1,822.22 $2,095.55 $1,476.00 $1,697.4079 $1,151.33 $1,324.04 $1,545.03 $1,776.78 $1,810.16 $2,081.70 $1,718.58 $1,976.36 $1,859.98 $2,138.99 $1,506.59 $1,732.5780 $1,168.21 $1,343.44 $1,573.14 $1,809.12 $1,843.11 $2,119.58 $1,751.52 $2,014.26 $1,893.74 $2,177.79 $1,533.92 $1,764.0081 $1,181.87 $1,359.16 $1,598.06 $1,837.77 $1,873.64 $2,154.69 $1,780.44 $2,047.51 $1,925.07 $2,213.83 $1,559.29 $1,793.2082 $1,195.52 $1,374.85 $1,622.97 $1,866.42 $1,903.37 $2,188.87 $1,809.37 $2,080.78 $1,955.60 $2,248.94 $1,584.03 $1,821.6383 $1,209.19 $1,390.57 $1,647.07 $1,894.13 $1,932.30 $2,222.14 $1,837.49 $2,113.12 $1,985.32 $2,283.12 $1,608.11 $1,849.3384 $1,223.65 $1,407.19 $1,670.37 $1,920.92 $1,960.42 $2,254.48 $1,864.81 $2,144.54 $2,014.26 $2,316.40 $1,631.54 $1,876.2785 $1,237.31 $1,422.91 $1,693.67 $1,947.71 $1,988.53 $2,286.82 $1,892.13 $2,175.95 $2,043.17 $2,349.65 $1,654.97 $1,903.2286 $1,250.97 $1,438.61 $1,716.17 $1,973.60 $2,015.05 $2,317.31 $1,914.63 $2,201.82 $2,070.50 $2,381.07 $1,677.09 $1,928.6587 $1,264.62 $1,454.32 $1,737.86 $1,998.54 $2,041.57 $2,347.80 $1,937.12 $2,227.69 $2,097.81 $2,412.49 $1,699.22 $1,954.1188 $1,279.08 $1,470.95 $1,758.74 $2,022.55 $2,066.47 $2,376.45 $1,958.00 $2,251.71 $2,123.51 $2,442.04 $1,720.05 $1,978.0589 $1,292.74 $1,486.66 $1,778.84 $2,045.66 $2,090.57 $2,404.16 $1,978.10 $2,274.81 $2,148.43 $2,470.69 $1,740.23 $2,001.2690 $1,306.41 $1,502.37 $1,798.92 $2,068.76 $2,113.87 $2,430.95 $1,997.37 $2,296.98 $2,172.53 $2,498.40 $1,759.74 $2,023.7191 $1,320.06 $1,518.08 $1,817.40 $2,090.01 $2,136.37 $2,456.83 $2,015.05 $2,317.31 $2,195.03 $2,524.29 $1,777.97 $2,044.6692 $1,334.53 $1,534.71 $1,835.07 $2,110.34 $2,157.25 $2,480.85 $2,031.92 $2,336.71 $2,216.72 $2,549.23 $1,795.54 $2,064.8793 $1,348.19 $1,550.41 $1,852.76 $2,130.66 $2,177.35 $2,503.95 $2,047.18 $2,354.26 $2,236.80 $2,572.33 $1,811.81 $2,083.5894 $1,361.84 $1,566.12 $1,868.82 $2,149.14 $2,195.83 $2,525.20 $2,061.65 $2,370.90 $2,256.09 $2,594.50 $1,827.43 $2,101.5595 $1,375.51 $1,581.84 $1,884.09 $2,166.70 $2,213.51 $2,545.55 $2,074.51 $2,385.68 $2,274.56 $2,615.75 $1,842.40 $2,118.7596 $1,389.16 $1,597.53 $1,899.35 $2,184.25 $2,231.19 $2,565.86 $2,087.36 $2,400.47 $2,292.24 $2,636.08 $1,856.71 $2,135.2297 $1,402.82 $1,613.25 $1,915.43 $2,202.74 $2,249.65 $2,587.10 $2,101.02 $2,416.18 $2,310.72 $2,657.34 $1,871.69 $2,152.4498 $1,417.28 $1,629.88 $1,930.68 $2,220.29 $2,267.33 $2,607.44 $2,113.87 $2,430.95 $2,330.01 $2,679.50 $1,887.30 $2,170.4099 $1,431.75 $1,646.51 $1,946.76 $2,238.77 $2,285.81 $2,628.68 $2,127.54 $2,446.67 $2,348.48 $2,700.75 $1,902.27 $2,187.61
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 12
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Semi-Annual Smoker Premium RatesFor Use In All Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $660.18 $759.21 $851.81 $979.58 $1,022.47 $1,175.83 $936.42 $1,076.88 $1,050.66 $1,208.27 $851.04 $978.6966 $692.73 $796.64 $895.92 $1,030.31 $1,070.19 $1,230.73 $984.86 $1,132.59 $1,099.84 $1,264.83 $890.87 $1,024.5167 $724.55 $833.23 $939.31 $1,080.21 $1,118.65 $1,286.44 $1,033.31 $1,188.31 $1,149.01 $1,321.36 $930.70 $1,070.3168 $756.36 $869.82 $982.69 $1,130.09 $1,166.37 $1,341.32 $1,081.76 $1,244.02 $1,198.18 $1,377.91 $970.52 $1,116.1069 $788.18 $906.40 $1,025.36 $1,179.17 $1,214.09 $1,396.20 $1,130.21 $1,299.75 $1,247.34 $1,434.44 $1,010.36 $1,161.9170 $818.55 $941.34 $1,068.02 $1,228.22 $1,261.09 $1,450.25 $1,178.66 $1,355.46 $1,295.80 $1,490.18 $1,049.60 $1,207.0371 $848.19 $975.42 $1,109.96 $1,276.46 $1,308.09 $1,504.31 $1,225.66 $1,409.51 $1,344.25 $1,545.88 $1,088.84 $1,252.1672 $877.12 $1,008.69 $1,150.46 $1,323.03 $1,353.66 $1,556.71 $1,271.94 $1,462.73 $1,391.26 $1,599.94 $1,126.91 $1,295.9573 $904.61 $1,040.30 $1,190.23 $1,368.77 $1,398.48 $1,608.25 $1,316.78 $1,514.30 $1,436.80 $1,652.32 $1,163.81 $1,338.3874 $931.35 $1,071.06 $1,228.55 $1,412.83 $1,441.87 $1,658.16 $1,360.15 $1,564.18 $1,481.64 $1,703.89 $1,200.13 $1,380.1575 $955.94 $1,099.33 $1,265.43 $1,455.25 $1,483.81 $1,706.38 $1,402.09 $1,612.41 $1,524.30 $1,752.94 $1,234.68 $1,419.8876 $979.08 $1,125.94 $1,300.13 $1,495.16 $1,523.58 $1,752.12 $1,441.87 $1,658.16 $1,564.80 $1,799.52 $1,267.48 $1,457.6177 $1,000.05 $1,150.05 $1,332.68 $1,532.58 $1,561.18 $1,795.35 $1,479.47 $1,701.39 $1,603.84 $1,844.43 $1,299.11 $1,493.9778 $1,018.85 $1,171.68 $1,363.05 $1,567.50 $1,595.89 $1,835.28 $1,514.17 $1,741.30 $1,640.00 $1,886.00 $1,328.40 $1,527.6679 $1,036.20 $1,191.64 $1,390.53 $1,599.10 $1,629.15 $1,873.53 $1,546.72 $1,778.73 $1,673.99 $1,925.09 $1,355.93 $1,559.3280 $1,051.38 $1,209.10 $1,415.83 $1,628.21 $1,658.80 $1,907.62 $1,576.37 $1,812.83 $1,704.36 $1,960.01 $1,380.53 $1,587.6081 $1,063.69 $1,223.24 $1,438.25 $1,653.99 $1,686.28 $1,939.22 $1,602.40 $1,842.76 $1,732.56 $1,992.44 $1,403.36 $1,613.8882 $1,075.97 $1,237.37 $1,460.67 $1,679.77 $1,713.03 $1,969.99 $1,628.43 $1,872.70 $1,760.04 $2,024.04 $1,425.62 $1,639.4783 $1,088.27 $1,251.51 $1,482.36 $1,704.72 $1,739.07 $1,999.93 $1,653.74 $1,901.81 $1,786.79 $2,054.81 $1,447.30 $1,664.4084 $1,101.29 $1,266.47 $1,503.33 $1,728.83 $1,764.38 $2,029.04 $1,678.33 $1,930.08 $1,812.83 $2,084.76 $1,468.38 $1,688.6485 $1,113.58 $1,280.62 $1,524.30 $1,752.94 $1,789.68 $2,058.13 $1,702.91 $1,958.35 $1,838.85 $2,114.68 $1,489.48 $1,712.9086 $1,125.87 $1,294.75 $1,544.55 $1,776.24 $1,813.55 $2,085.58 $1,723.16 $1,981.63 $1,863.45 $2,142.96 $1,509.38 $1,735.7987 $1,138.16 $1,308.89 $1,564.07 $1,798.69 $1,837.42 $2,113.02 $1,743.40 $2,004.92 $1,888.03 $2,171.24 $1,529.30 $1,758.7088 $1,151.18 $1,323.86 $1,582.87 $1,820.30 $1,859.83 $2,138.80 $1,762.20 $2,026.54 $1,911.16 $2,197.84 $1,548.04 $1,780.2489 $1,163.47 $1,337.99 $1,600.95 $1,841.10 $1,881.51 $2,163.75 $1,780.29 $2,047.33 $1,933.58 $2,223.62 $1,566.20 $1,801.1390 $1,175.77 $1,352.13 $1,619.02 $1,861.88 $1,902.49 $2,187.86 $1,797.63 $2,067.28 $1,955.27 $2,248.56 $1,583.77 $1,821.3491 $1,188.05 $1,366.27 $1,635.66 $1,881.01 $1,922.73 $2,211.15 $1,813.55 $2,085.58 $1,975.53 $2,271.86 $1,600.17 $1,840.2092 $1,201.08 $1,381.24 $1,651.56 $1,899.31 $1,941.53 $2,232.76 $1,828.73 $2,103.04 $1,995.05 $2,294.31 $1,615.98 $1,858.3893 $1,213.37 $1,395.37 $1,667.48 $1,917.60 $1,959.61 $2,253.56 $1,842.46 $2,118.83 $2,013.12 $2,315.09 $1,630.63 $1,875.2294 $1,225.66 $1,409.51 $1,681.93 $1,934.23 $1,976.25 $2,272.68 $1,855.48 $2,133.81 $2,030.48 $2,335.05 $1,644.68 $1,891.4095 $1,237.96 $1,423.65 $1,695.68 $1,950.03 $1,992.16 $2,290.99 $1,867.06 $2,147.11 $2,047.11 $2,354.17 $1,658.16 $1,906.8796 $1,250.24 $1,437.78 $1,709.42 $1,965.83 $2,008.07 $2,309.28 $1,878.62 $2,160.42 $2,063.02 $2,372.48 $1,671.04 $1,921.7097 $1,262.54 $1,451.93 $1,723.89 $1,982.46 $2,024.69 $2,328.39 $1,890.92 $2,174.57 $2,079.65 $2,391.60 $1,684.52 $1,937.2098 $1,275.55 $1,466.89 $1,737.62 $1,998.26 $2,040.60 $2,346.70 $1,902.49 $2,187.86 $2,097.01 $2,411.55 $1,698.57 $1,953.3699 $1,288.57 $1,481.86 $1,752.08 $2,014.89 $2,057.23 $2,365.82 $1,914.78 $2,202.00 $2,113.63 $2,430.68 $1,712.04 $1,968.85
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 13
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Semi-Annual Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $586.83 $674.86 $757.17 $870.74 $908.86 $1,045.19 $832.37 $957.22 $933.92 $1,074.02 $756.48 $869.9566 $615.76 $708.13 $796.37 $915.83 $951.28 $1,093.98 $875.43 $1,006.75 $977.64 $1,124.29 $791.89 $910.6767 $644.04 $740.65 $834.94 $960.18 $994.35 $1,143.50 $918.50 $1,056.27 $1,021.34 $1,174.54 $827.29 $951.3968 $672.32 $773.17 $873.51 $1,004.53 $1,036.77 $1,192.29 $961.56 $1,105.80 $1,065.05 $1,224.81 $862.69 $992.0969 $700.60 $805.69 $911.43 $1,048.15 $1,079.19 $1,241.06 $1,004.63 $1,155.33 $1,108.75 $1,275.06 $898.09 $1,032.8170 $727.60 $836.75 $949.35 $1,091.75 $1,120.97 $1,289.12 $1,047.70 $1,204.85 $1,151.82 $1,324.60 $932.97 $1,072.9271 $753.95 $867.04 $986.63 $1,134.63 $1,162.75 $1,337.17 $1,089.47 $1,252.90 $1,194.89 $1,374.12 $967.85 $1,113.0372 $779.66 $896.61 $1,022.63 $1,176.03 $1,203.25 $1,383.74 $1,130.61 $1,300.21 $1,236.67 $1,422.17 $1,001.70 $1,151.9673 $804.10 $924.71 $1,057.98 $1,216.68 $1,243.09 $1,429.56 $1,170.47 $1,346.04 $1,277.15 $1,468.73 $1,034.49 $1,189.6774 $827.86 $952.05 $1,092.04 $1,255.85 $1,281.66 $1,473.92 $1,209.02 $1,390.38 $1,317.01 $1,514.57 $1,066.78 $1,226.8075 $849.73 $977.19 $1,124.83 $1,293.55 $1,318.94 $1,516.78 $1,246.30 $1,433.26 $1,354.93 $1,558.17 $1,097.49 $1,262.1276 $870.29 $1,000.84 $1,155.67 $1,329.03 $1,354.29 $1,557.44 $1,281.66 $1,473.92 $1,390.93 $1,599.57 $1,126.65 $1,295.6577 $888.94 $1,022.27 $1,184.60 $1,362.29 $1,387.71 $1,595.87 $1,315.08 $1,512.35 $1,425.64 $1,639.49 $1,154.76 $1,327.9778 $905.64 $1,041.49 $1,211.60 $1,393.33 $1,418.57 $1,631.36 $1,345.93 $1,547.82 $1,457.78 $1,676.44 $1,180.80 $1,357.9279 $921.07 $1,059.23 $1,236.02 $1,421.42 $1,448.13 $1,665.36 $1,374.86 $1,581.09 $1,487.99 $1,711.19 $1,205.27 $1,386.0680 $934.56 $1,074.75 $1,258.52 $1,447.30 $1,474.49 $1,695.66 $1,401.22 $1,611.41 $1,514.99 $1,742.23 $1,227.14 $1,411.2081 $945.50 $1,087.33 $1,278.44 $1,470.21 $1,498.91 $1,723.75 $1,424.35 $1,638.00 $1,540.06 $1,771.06 $1,247.43 $1,434.5682 $956.42 $1,099.88 $1,298.37 $1,493.13 $1,522.69 $1,751.10 $1,447.50 $1,664.62 $1,564.48 $1,799.15 $1,267.22 $1,457.3183 $967.35 $1,112.46 $1,317.65 $1,515.30 $1,545.84 $1,777.71 $1,469.99 $1,690.50 $1,588.26 $1,826.49 $1,286.49 $1,479.4784 $978.92 $1,125.75 $1,336.29 $1,536.74 $1,568.34 $1,803.59 $1,491.85 $1,715.63 $1,611.41 $1,853.12 $1,305.23 $1,501.0185 $989.85 $1,138.33 $1,354.93 $1,558.17 $1,590.83 $1,829.45 $1,513.70 $1,740.76 $1,634.54 $1,879.72 $1,323.98 $1,522.5786 $1,000.77 $1,150.89 $1,372.94 $1,578.88 $1,612.04 $1,853.85 $1,531.70 $1,761.45 $1,656.40 $1,904.86 $1,341.67 $1,542.9287 $1,011.69 $1,163.46 $1,390.29 $1,598.83 $1,633.26 $1,878.24 $1,549.69 $1,782.15 $1,678.25 $1,929.99 $1,359.38 $1,563.2988 $1,023.27 $1,176.76 $1,406.99 $1,618.04 $1,653.18 $1,901.16 $1,566.40 $1,801.37 $1,698.81 $1,953.63 $1,376.04 $1,582.4489 $1,034.19 $1,189.33 $1,423.07 $1,636.53 $1,672.46 $1,923.33 $1,582.48 $1,819.85 $1,718.74 $1,976.55 $1,392.18 $1,601.0190 $1,045.13 $1,201.89 $1,439.13 $1,655.01 $1,691.10 $1,944.76 $1,597.90 $1,837.58 $1,738.02 $1,998.72 $1,407.80 $1,618.9791 $1,056.05 $1,214.46 $1,453.92 $1,672.01 $1,709.10 $1,965.47 $1,612.04 $1,853.85 $1,756.03 $2,019.43 $1,422.38 $1,635.7392 $1,067.62 $1,227.77 $1,468.05 $1,688.27 $1,725.80 $1,984.68 $1,625.54 $1,869.37 $1,773.38 $2,039.38 $1,436.43 $1,651.8993 $1,078.55 $1,240.33 $1,482.21 $1,704.53 $1,741.88 $2,003.16 $1,637.75 $1,883.41 $1,789.44 $2,057.86 $1,449.45 $1,666.8794 $1,089.47 $1,252.90 $1,495.05 $1,719.31 $1,756.67 $2,020.16 $1,649.32 $1,896.72 $1,804.87 $2,075.60 $1,461.94 $1,681.2495 $1,100.41 $1,265.47 $1,507.27 $1,733.36 $1,770.81 $2,036.44 $1,659.61 $1,908.54 $1,819.65 $2,092.60 $1,473.92 $1,695.0096 $1,111.32 $1,278.02 $1,519.48 $1,747.40 $1,784.95 $2,052.69 $1,669.89 $1,920.37 $1,833.79 $2,108.87 $1,485.37 $1,708.1897 $1,122.26 $1,290.60 $1,532.34 $1,762.19 $1,799.72 $2,069.68 $1,680.82 $1,932.95 $1,848.58 $2,125.87 $1,497.35 $1,721.9598 $1,133.82 $1,303.90 $1,544.55 $1,776.23 $1,813.86 $2,085.95 $1,691.10 $1,944.76 $1,864.01 $2,143.60 $1,509.84 $1,736.3299 $1,145.40 $1,317.21 $1,557.41 $1,791.01 $1,828.65 $2,102.95 $1,702.03 $1,957.33 $1,878.79 $2,160.60 $1,521.81 $1,750.09
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 14
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Quarterly Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $318.60 $366.40 $411.16 $472.83 $493.07 $567.03 $451.29 $518.99 $506.58 $582.56 $410.33 $471.8866 $334.17 $384.30 $432.05 $496.85 $516.41 $593.87 $475.05 $546.30 $530.33 $609.88 $429.57 $494.0067 $349.32 $401.72 $452.93 $520.87 $539.34 $620.25 $498.39 $573.15 $554.09 $637.20 $448.81 $516.1368 $364.88 $419.62 $473.82 $544.89 $562.28 $646.62 $521.73 $599.99 $577.84 $664.52 $468.05 $538.2669 $380.04 $437.04 $494.70 $568.91 $585.62 $673.47 $545.08 $626.84 $601.59 $691.82 $487.29 $560.3870 $394.78 $454.00 $515.18 $592.46 $608.14 $699.36 $568.42 $653.69 $624.93 $718.67 $506.19 $582.1271 $409.11 $470.48 $535.25 $615.54 $630.67 $725.27 $590.94 $679.58 $648.27 $745.51 $525.10 $603.8772 $423.03 $486.49 $554.90 $638.14 $652.78 $750.70 $613.47 $705.49 $670.80 $771.42 $543.35 $624.8573 $436.14 $501.56 $574.16 $660.28 $674.49 $775.66 $635.17 $730.45 $692.92 $796.86 $561.26 $645.4574 $448.84 $516.16 $592.58 $681.47 $695.37 $799.67 $656.06 $754.46 $714.62 $821.81 $578.84 $665.6775 $460.72 $529.82 $610.19 $701.72 $715.44 $822.76 $676.13 $777.55 $735.10 $845.37 $595.43 $684.7476 $472.18 $543.00 $626.98 $721.03 $734.69 $844.89 $695.37 $799.67 $754.75 $867.97 $611.35 $703.0577 $482.42 $554.78 $642.54 $738.92 $752.71 $865.61 $713.40 $820.40 $773.59 $889.63 $626.61 $720.6078 $491.43 $565.14 $657.29 $755.88 $769.90 $885.39 $730.18 $839.71 $790.79 $909.41 $640.54 $736.6279 $499.62 $574.56 $670.80 $771.42 $785.47 $903.29 $745.75 $857.61 $807.17 $928.25 $653.81 $751.8880 $506.99 $583.04 $682.67 $785.08 $800.21 $920.24 $760.08 $874.09 $821.92 $945.21 $665.75 $765.6281 $512.72 $589.63 $693.73 $797.80 $813.31 $935.32 $772.78 $888.69 $835.43 $960.75 $676.70 $778.2082 $518.87 $596.70 $704.38 $810.04 $826.02 $949.92 $785.47 $903.29 $848.53 $975.82 $687.31 $790.4183 $525.01 $603.76 $714.62 $821.81 $838.70 $964.51 $797.75 $917.41 $861.64 $990.89 $697.93 $802.6284 $530.74 $610.36 $724.85 $833.58 $850.99 $978.64 $809.63 $931.07 $874.34 $1,005.49 $708.22 $814.4585 $536.89 $617.42 $735.10 $845.37 $862.87 $992.30 $821.10 $944.27 $886.62 $1,019.61 $718.16 $825.8986 $543.03 $624.48 $744.51 $856.19 $874.75 $1,005.96 $831.33 $956.04 $898.91 $1,033.75 $728.12 $837.3387 $549.17 $631.55 $754.34 $867.50 $886.21 $1,019.15 $840.75 $966.87 $910.37 $1,046.93 $737.40 $848.0288 $554.90 $638.14 $763.35 $877.86 $896.86 $1,031.39 $849.76 $977.23 $921.84 $1,060.12 $746.69 $858.6989 $561.04 $645.20 $771.95 $887.74 $907.51 $1,043.63 $858.77 $987.59 $932.49 $1,072.37 $755.32 $868.6190 $567.19 $652.27 $780.56 $897.64 $917.75 $1,055.40 $866.97 $997.01 $942.73 $1,084.14 $763.60 $878.1591 $572.92 $658.86 $788.75 $907.06 $927.16 $1,066.24 $874.75 $1,005.96 $952.55 $1,095.44 $771.57 $887.3092 $579.07 $665.93 $796.52 $916.00 $936.17 $1,076.60 $881.71 $1,013.96 $961.97 $1,106.27 $779.20 $896.0893 $585.21 $672.99 $803.90 $924.49 $945.18 $1,086.95 $888.67 $1,021.97 $970.98 $1,116.63 $786.49 $904.4794 $590.94 $679.58 $810.86 $932.49 $952.96 $1,095.91 $894.81 $1,029.03 $979.17 $1,126.05 $793.13 $912.1095 $597.08 $686.64 $817.82 $940.50 $960.74 $1,104.85 $900.54 $1,035.63 $986.96 $1,135.00 $799.43 $919.3596 $602.82 $693.24 $824.37 $948.03 $968.53 $1,113.81 $905.87 $1,041.75 $995.15 $1,144.42 $806.07 $926.9897 $608.96 $700.31 $831.33 $956.04 $976.31 $1,122.75 $911.60 $1,048.35 $1,002.93 $1,153.37 $812.37 $934.2298 $615.11 $707.37 $838.30 $964.05 $984.09 $1,131.70 $917.34 $1,054.94 $1,011.12 $1,162.78 $819.00 $941.8699 $621.25 $714.44 $844.85 $971.58 $992.28 $1,141.12 $923.48 $1,062.00 $1,019.31 $1,172.20 $825.64 $949.49
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 15
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Quarterly Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $286.74 $329.76 $370.04 $425.55 $443.76 $510.32 $406.16 $467.09 $455.92 $524.31 $369.30 $424.6966 $300.75 $345.87 $388.84 $447.17 $464.77 $534.48 $427.54 $491.67 $477.30 $548.89 $386.61 $444.6067 $314.39 $361.55 $407.64 $468.79 $485.41 $558.22 $448.55 $515.84 $498.68 $573.48 $403.93 $464.5268 $328.39 $377.66 $426.44 $490.40 $506.05 $581.96 $469.56 $539.99 $520.05 $598.07 $421.24 $484.4369 $342.03 $393.34 $445.23 $512.02 $527.06 $606.12 $490.57 $564.16 $541.43 $622.64 $438.56 $504.3470 $355.30 $408.60 $463.66 $533.21 $547.33 $629.43 $511.58 $588.32 $562.44 $646.81 $455.58 $523.9171 $368.20 $423.43 $481.73 $553.98 $567.60 $652.74 $531.85 $611.62 $583.45 $670.96 $472.59 $543.4872 $380.73 $437.84 $499.41 $574.33 $587.50 $675.63 $552.12 $634.94 $603.72 $694.28 $489.01 $562.3673 $392.53 $451.41 $516.74 $594.25 $607.04 $698.10 $571.66 $657.40 $623.63 $717.17 $505.13 $580.9174 $403.95 $464.54 $533.32 $613.32 $625.83 $719.71 $590.45 $679.02 $643.16 $739.63 $520.96 $599.1075 $414.64 $476.84 $549.17 $631.55 $643.89 $740.48 $608.51 $699.79 $661.59 $760.83 $535.89 $616.2776 $424.96 $488.70 $564.28 $648.92 $661.22 $760.40 $625.83 $719.71 $679.28 $781.17 $550.21 $632.7477 $434.18 $499.30 $578.29 $665.03 $677.44 $779.05 $642.06 $738.36 $696.23 $800.67 $563.95 $648.5478 $442.29 $508.63 $591.56 $680.29 $692.91 $796.85 $657.16 $755.74 $711.71 $818.47 $576.49 $662.9679 $449.66 $517.11 $603.72 $694.28 $706.92 $812.96 $671.17 $771.85 $726.46 $835.42 $588.43 $676.6980 $456.29 $524.73 $614.41 $706.57 $720.19 $828.22 $684.07 $786.68 $739.73 $850.69 $599.17 $689.0581 $461.45 $530.67 $624.36 $718.02 $731.98 $841.78 $695.50 $799.82 $751.89 $864.67 $609.03 $700.3882 $466.98 $537.03 $633.94 $729.04 $743.41 $854.93 $706.92 $812.96 $763.68 $878.24 $618.58 $711.3783 $472.51 $543.38 $643.16 $739.63 $754.83 $868.06 $717.98 $825.67 $775.47 $891.80 $628.13 $722.3684 $477.67 $549.32 $652.37 $750.23 $765.89 $880.78 $728.67 $837.97 $786.90 $904.94 $637.40 $733.0085 $483.20 $555.68 $661.59 $760.83 $776.58 $893.07 $738.99 $849.84 $797.96 $917.65 $646.34 $743.3086 $488.73 $562.03 $670.06 $770.57 $787.27 $905.36 $748.20 $860.43 $809.02 $930.37 $655.31 $753.6087 $494.25 $568.39 $678.91 $780.75 $797.59 $917.23 $756.68 $870.18 $819.34 $942.23 $663.66 $763.2288 $499.41 $574.33 $687.02 $790.07 $807.17 $928.25 $764.79 $879.50 $829.66 $954.11 $672.02 $772.8289 $504.94 $580.68 $694.76 $798.97 $816.76 $939.27 $772.90 $888.83 $839.24 $965.13 $679.79 $781.7590 $510.47 $587.04 $702.50 $807.88 $825.97 $949.86 $780.27 $897.31 $848.45 $975.72 $687.24 $790.3391 $515.63 $592.98 $709.87 $816.35 $834.44 $959.61 $787.27 $905.36 $857.30 $985.89 $694.41 $798.5792 $521.16 $599.33 $716.87 $824.40 $842.56 $968.94 $793.54 $912.57 $865.78 $995.64 $701.28 $806.4793 $526.69 $605.69 $723.51 $832.04 $850.66 $978.26 $799.80 $919.77 $873.89 $1,004.97 $707.85 $814.0294 $531.85 $611.62 $729.77 $839.24 $857.67 $986.32 $805.33 $926.13 $881.26 $1,013.45 $713.82 $820.8995 $537.37 $617.98 $736.04 $846.45 $864.67 $994.37 $810.49 $932.07 $888.26 $1,021.50 $719.49 $827.4196 $542.54 $623.92 $741.94 $853.23 $871.67 $1,002.43 $815.28 $937.58 $895.63 $1,029.98 $725.46 $834.2897 $548.06 $630.28 $748.20 $860.43 $878.68 $1,010.48 $820.44 $943.51 $902.63 $1,038.03 $731.13 $840.8098 $553.60 $636.64 $754.47 $867.64 $885.68 $1,018.53 $825.60 $949.44 $910.00 $1,046.50 $737.10 $847.6799 $559.13 $643.00 $760.36 $874.42 $893.05 $1,027.01 $831.13 $955.80 $917.38 $1,054.98 $743.07 $854.54
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 16
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Quarterly Non-Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $254.88 $293.12 $328.93 $378.26 $394.45 $453.62 $361.03 $415.19 $405.26 $466.05 $328.26 $377.5066 $267.34 $307.44 $345.64 $397.48 $413.12 $475.10 $380.04 $437.04 $424.27 $487.91 $343.65 $395.2067 $279.46 $321.38 $362.34 $416.70 $431.47 $496.20 $398.71 $458.52 $443.27 $509.76 $359.05 $412.9068 $291.91 $335.69 $379.05 $435.91 $449.82 $517.30 $417.39 $479.99 $462.27 $531.62 $374.44 $430.6169 $304.03 $349.64 $395.76 $455.13 $468.50 $538.77 $436.06 $501.47 $481.27 $553.46 $389.83 $448.3070 $315.83 $363.20 $412.14 $473.97 $486.51 $559.49 $454.74 $522.95 $499.94 $574.94 $404.96 $465.7071 $327.29 $376.38 $428.20 $492.43 $504.53 $580.22 $472.75 $543.66 $518.62 $596.41 $420.08 $483.0972 $338.43 $389.19 $443.92 $510.51 $522.22 $600.56 $490.77 $564.39 $536.64 $617.14 $434.68 $499.8873 $348.91 $401.25 $459.32 $528.22 $539.59 $620.53 $508.14 $584.36 $554.33 $637.48 $449.01 $516.3674 $359.07 $412.93 $474.06 $545.17 $556.30 $639.74 $524.84 $603.57 $571.69 $657.45 $463.08 $532.5375 $368.57 $423.86 $488.15 $561.38 $572.35 $658.21 $540.90 $622.04 $588.08 $676.29 $476.34 $547.7976 $377.74 $434.40 $501.58 $576.82 $587.75 $675.91 $556.30 $639.74 $603.80 $694.37 $489.08 $562.4477 $385.93 $443.82 $514.03 $591.14 $602.16 $692.49 $570.72 $656.32 $618.87 $711.70 $501.29 $576.4878 $393.14 $452.11 $525.83 $604.71 $615.92 $708.32 $584.14 $671.77 $632.63 $727.53 $512.44 $589.3079 $399.70 $459.65 $536.64 $617.14 $628.37 $722.64 $596.60 $686.09 $645.74 $742.60 $523.05 $601.5180 $405.59 $466.43 $546.14 $628.06 $640.17 $736.19 $608.06 $699.27 $657.54 $756.17 $532.60 $612.4981 $410.18 $471.71 $554.99 $638.24 $650.65 $748.25 $618.22 $710.96 $668.34 $768.60 $541.36 $622.5682 $415.09 $477.36 $563.51 $648.03 $660.81 $759.94 $628.37 $722.64 $678.83 $780.65 $549.85 $632.3383 $420.01 $483.01 $571.69 $657.45 $670.96 $771.61 $638.20 $733.93 $689.31 $792.71 $558.34 $642.0984 $424.59 $488.29 $579.88 $666.87 $680.79 $782.91 $647.70 $744.86 $699.47 $804.39 $566.57 $651.5685 $429.51 $493.94 $588.08 $676.29 $690.30 $793.84 $656.88 $755.41 $709.30 $815.69 $574.53 $660.7186 $434.42 $499.59 $595.61 $684.95 $699.80 $804.77 $665.07 $764.83 $719.13 $827.00 $582.49 $669.8787 $439.33 $505.24 $603.47 $694.00 $708.97 $815.32 $672.60 $773.50 $728.30 $837.54 $589.92 $678.4188 $443.92 $510.51 $610.68 $702.29 $717.49 $825.11 $679.81 $781.78 $737.48 $848.10 $597.35 $686.9589 $448.83 $516.16 $617.56 $710.19 $726.01 $834.91 $687.02 $790.07 $745.99 $857.89 $604.25 $694.8990 $453.75 $521.81 $624.45 $718.11 $734.20 $844.32 $693.57 $797.61 $754.18 $867.31 $610.88 $702.5291 $458.34 $527.09 $631.00 $725.64 $741.73 $852.99 $699.80 $804.77 $762.04 $876.35 $617.26 $709.8492 $463.25 $532.74 $637.22 $732.80 $748.94 $861.28 $705.37 $811.17 $769.58 $885.02 $623.36 $716.8693 $468.17 $538.39 $643.12 $739.59 $756.14 $869.56 $710.94 $817.58 $776.79 $893.31 $629.20 $723.5894 $472.75 $543.66 $648.69 $745.99 $762.37 $876.73 $715.85 $823.22 $783.34 $900.84 $634.51 $729.6895 $477.67 $549.32 $654.26 $752.40 $768.60 $883.88 $720.43 $828.50 $789.57 $908.00 $639.55 $735.4896 $482.26 $554.60 $659.50 $758.43 $774.82 $891.04 $724.70 $833.40 $796.12 $915.54 $644.86 $741.5897 $487.17 $560.25 $665.07 $764.83 $781.05 $898.20 $729.28 $838.68 $802.34 $922.69 $649.89 $747.3898 $492.09 $565.90 $670.64 $771.24 $787.27 $905.36 $733.87 $843.95 $808.89 $930.23 $655.20 $753.4999 $497.00 $571.55 $675.88 $777.26 $793.82 $912.90 $738.78 $849.60 $815.45 $937.76 $660.51 $759.59
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 17
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Quarterly Smoker Premium RatesFor Use In All Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $373.89 $429.98 $482.42 $554.78 $579.07 $665.93 $530.33 $609.88 $595.04 $684.30 $481.98 $554.2866 $392.32 $451.17 $507.40 $583.51 $606.10 $697.01 $557.77 $641.43 $622.89 $716.33 $504.54 $580.2267 $410.34 $471.89 $531.97 $611.77 $633.54 $728.57 $585.21 $672.99 $650.73 $748.34 $527.09 $606.1668 $428.36 $492.62 $556.54 $640.02 $660.56 $759.65 $612.65 $704.54 $678.58 $780.37 $549.65 $632.1069 $446.38 $513.33 $580.71 $667.81 $687.59 $790.73 $640.09 $736.10 $706.42 $812.39 $572.21 $658.0470 $463.58 $533.12 $604.86 $695.60 $714.21 $821.34 $667.53 $767.66 $733.87 $843.95 $594.43 $683.5971 $480.37 $552.42 $628.62 $722.91 $740.83 $851.96 $694.14 $798.27 $761.31 $875.50 $616.65 $709.1572 $496.75 $571.26 $651.55 $749.29 $766.63 $881.63 $720.35 $828.41 $787.93 $906.12 $638.22 $733.9573 $512.32 $589.17 $674.08 $775.19 $792.02 $910.82 $745.75 $857.61 $813.72 $935.78 $659.11 $757.9874 $527.46 $606.59 $695.78 $800.15 $816.59 $939.09 $770.31 $885.86 $839.12 $964.98 $679.69 $781.6475 $541.39 $622.60 $716.67 $824.17 $840.34 $966.39 $794.07 $913.18 $863.28 $992.77 $699.25 $804.1476 $554.49 $637.67 $736.32 $846.77 $862.87 $992.30 $816.59 $939.09 $886.21 $1,019.15 $717.83 $825.5077 $566.37 $651.32 $754.75 $867.97 $884.16 $1,016.79 $837.89 $963.57 $908.33 $1,044.58 $735.74 $846.1078 $577.02 $663.57 $771.95 $887.74 $903.82 $1,039.40 $857.54 $986.17 $928.80 $1,068.12 $752.33 $865.1879 $586.85 $674.87 $787.52 $905.64 $922.66 $1,061.06 $875.98 $1,007.37 $948.05 $1,090.26 $767.92 $883.1180 $595.44 $684.76 $801.85 $922.13 $939.45 $1,080.37 $892.77 $1,026.68 $965.25 $1,110.04 $781.85 $899.1381 $602.41 $692.77 $814.54 $936.73 $955.01 $1,098.27 $907.51 $1,043.63 $981.23 $1,128.41 $794.78 $914.0182 $609.37 $700.78 $827.24 $951.33 $970.16 $1,115.69 $922.25 $1,060.59 $996.79 $1,146.30 $807.39 $928.5083 $616.33 $708.79 $839.52 $965.45 $984.91 $1,132.65 $936.58 $1,077.08 $1,011.93 $1,163.73 $819.67 $942.6284 $623.71 $717.26 $851.40 $979.11 $999.25 $1,149.13 $950.51 $1,093.09 $1,026.68 $1,180.69 $831.61 $956.3585 $630.67 $725.27 $863.28 $992.77 $1,013.57 $1,165.61 $964.43 $1,109.10 $1,041.42 $1,197.64 $843.55 $970.0986 $637.63 $733.27 $874.75 $1,005.96 $1,027.09 $1,181.15 $975.90 $1,122.28 $1,055.35 $1,213.65 $854.83 $983.0587 $644.59 $741.28 $885.80 $1,018.67 $1,040.61 $1,196.70 $987.36 $1,135.47 $1,069.27 $1,229.67 $866.11 $996.0388 $651.96 $749.76 $896.45 $1,030.91 $1,053.30 $1,211.30 $998.01 $1,147.72 $1,082.37 $1,244.73 $876.72 $1,008.2389 $658.92 $757.76 $906.69 $1,042.69 $1,065.58 $1,225.42 $1,008.25 $1,159.49 $1,095.07 $1,259.33 $887.01 $1,020.0690 $665.89 $765.77 $916.92 $1,054.47 $1,077.46 $1,239.08 $1,018.08 $1,170.79 $1,107.36 $1,273.46 $896.96 $1,031.5091 $672.85 $773.78 $926.34 $1,065.30 $1,088.93 $1,252.27 $1,027.09 $1,181.15 $1,118.83 $1,286.65 $906.25 $1,042.1892 $680.22 $782.26 $935.35 $1,075.66 $1,099.57 $1,264.51 $1,035.69 $1,191.04 $1,129.88 $1,299.36 $915.20 $1,052.4893 $687.18 $790.26 $944.37 $1,086.02 $1,109.81 $1,276.29 $1,043.47 $1,199.99 $1,140.12 $1,311.14 $923.50 $1,062.0294 $694.14 $798.27 $952.55 $1,095.44 $1,119.23 $1,287.12 $1,050.84 $1,208.47 $1,149.95 $1,322.44 $931.46 $1,071.1895 $701.11 $806.28 $960.34 $1,104.38 $1,128.25 $1,297.49 $1,057.39 $1,216.00 $1,159.37 $1,333.27 $939.09 $1,079.9496 $708.06 $814.28 $968.12 $1,113.33 $1,137.26 $1,307.84 $1,063.94 $1,223.54 $1,168.37 $1,343.64 $946.38 $1,088.3497 $715.03 $822.29 $976.31 $1,122.75 $1,146.67 $1,318.67 $1,070.91 $1,231.55 $1,177.80 $1,354.47 $954.01 $1,097.1298 $722.40 $830.76 $984.09 $1,131.70 $1,155.68 $1,329.03 $1,077.46 $1,239.08 $1,187.63 $1,365.77 $961.97 $1,106.2799 $729.77 $839.24 $992.28 $1,141.12 $1,165.10 $1,339.86 $1,084.42 $1,247.09 $1,197.04 $1,376.60 $969.60 $1,115.04
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 18
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Quarterly Smoker Premium RatesFor Use In All Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $336.50 $386.98 $434.18 $499.30 $521.16 $599.33 $477.30 $548.89 $535.53 $615.87 $433.78 $498.8566 $353.09 $406.05 $456.66 $525.16 $545.49 $627.31 $501.99 $577.29 $560.60 $644.69 $454.09 $522.2067 $369.31 $424.70 $478.77 $550.59 $570.18 $655.71 $526.69 $605.69 $585.66 $673.51 $474.39 $545.5568 $385.52 $443.35 $500.89 $576.02 $594.51 $683.68 $551.38 $634.09 $610.73 $702.33 $494.68 $568.8969 $401.74 $462.00 $522.63 $601.03 $618.83 $711.65 $576.08 $662.49 $635.78 $731.15 $514.99 $592.2370 $417.22 $479.81 $544.38 $626.04 $642.79 $739.21 $600.77 $690.89 $660.48 $759.56 $534.99 $615.2471 $432.33 $497.18 $565.75 $650.62 $666.75 $766.76 $624.73 $718.44 $685.17 $787.95 $554.99 $638.2472 $447.07 $514.14 $586.40 $674.36 $689.97 $793.47 $648.32 $745.57 $709.14 $815.50 $574.40 $660.5673 $461.09 $530.25 $606.67 $697.67 $712.82 $819.74 $671.17 $771.85 $732.35 $842.20 $593.20 $682.1874 $474.72 $545.93 $626.20 $720.13 $734.93 $845.18 $693.28 $797.28 $755.20 $868.49 $611.72 $703.4875 $487.25 $560.34 $645.00 $741.75 $756.31 $869.75 $714.66 $821.86 $776.95 $893.49 $629.33 $723.7376 $499.05 $573.90 $662.69 $762.10 $776.58 $893.07 $734.93 $845.18 $797.59 $917.23 $646.04 $742.9577 $509.74 $586.19 $679.28 $781.17 $795.75 $915.11 $754.10 $867.21 $817.49 $940.12 $662.17 $761.4978 $519.32 $597.21 $694.76 $798.97 $813.44 $935.46 $771.79 $887.55 $835.92 $961.31 $677.09 $778.6679 $528.16 $607.39 $708.76 $815.07 $830.39 $954.95 $788.38 $906.63 $853.25 $981.23 $691.13 $794.8080 $535.90 $616.29 $721.66 $829.91 $845.51 $972.33 $803.49 $924.02 $868.73 $999.04 $703.67 $809.2281 $542.17 $623.50 $733.09 $843.05 $859.51 $988.44 $816.76 $939.27 $883.10 $1,015.57 $715.31 $822.6182 $548.43 $630.70 $744.52 $856.20 $873.15 $1,004.12 $830.03 $954.53 $897.11 $1,031.67 $726.65 $835.6583 $554.70 $637.91 $755.57 $868.91 $886.42 $1,019.38 $842.93 $969.37 $910.74 $1,047.35 $737.70 $848.3684 $561.33 $645.53 $766.26 $881.20 $899.32 $1,034.22 $855.46 $983.78 $924.02 $1,062.62 $748.45 $860.7285 $567.60 $652.74 $776.95 $893.49 $912.22 $1,049.05 $867.99 $998.19 $937.28 $1,077.87 $759.20 $873.0886 $573.87 $659.95 $787.27 $905.36 $924.38 $1,063.04 $878.31 $1,010.06 $949.81 $1,092.29 $769.35 $884.7587 $580.13 $667.15 $797.22 $916.81 $936.55 $1,077.03 $888.63 $1,021.93 $962.35 $1,106.70 $779.50 $896.4288 $586.76 $674.78 $806.80 $927.82 $947.97 $1,090.17 $898.21 $1,032.94 $974.14 $1,120.26 $789.05 $907.4189 $593.03 $681.99 $816.02 $938.42 $959.02 $1,102.88 $907.43 $1,043.54 $985.56 $1,133.40 $798.31 $918.0590 $599.30 $689.19 $825.23 $949.02 $969.71 $1,115.17 $916.27 $1,053.71 $996.62 $1,146.11 $807.26 $928.3591 $605.56 $696.40 $833.71 $958.77 $980.03 $1,127.04 $924.38 $1,063.04 $1,006.94 $1,157.99 $815.62 $937.9692 $612.20 $704.03 $841.82 $968.09 $989.61 $1,138.06 $932.12 $1,071.94 $1,016.90 $1,169.43 $823.68 $947.2393 $618.46 $711.23 $849.93 $977.42 $998.83 $1,148.66 $939.12 $1,079.99 $1,026.11 $1,180.02 $831.15 $955.8294 $624.73 $718.44 $857.30 $985.89 $1,007.31 $1,158.40 $945.76 $1,087.62 $1,034.95 $1,190.20 $838.31 $964.0695 $631.00 $725.65 $864.30 $993.95 $1,015.42 $1,167.74 $951.66 $1,094.40 $1,043.43 $1,199.94 $845.18 $971.9596 $637.26 $732.85 $871.30 $1,002.00 $1,023.53 $1,177.06 $957.55 $1,101.18 $1,051.54 $1,209.27 $851.75 $979.5197 $643.53 $740.06 $878.68 $1,010.48 $1,032.00 $1,186.80 $963.82 $1,108.40 $1,060.02 $1,219.02 $858.61 $987.4198 $650.16 $747.69 $885.68 $1,018.53 $1,040.11 $1,196.13 $969.71 $1,115.17 $1,068.86 $1,229.19 $865.78 $995.6499 $656.80 $755.31 $893.05 $1,027.01 $1,048.59 $1,205.88 $975.98 $1,122.38 $1,077.34 $1,238.94 $872.64 $1,003.54
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 19
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Quarterly Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $299.11 $343.98 $385.93 $443.82 $463.25 $532.74 $424.27 $487.91 $476.03 $547.44 $385.59 $443.4266 $313.86 $360.94 $405.92 $466.81 $484.88 $557.61 $446.21 $513.15 $498.31 $573.06 $403.63 $464.1867 $328.27 $377.51 $425.58 $489.41 $506.83 $582.85 $468.17 $538.39 $520.59 $598.67 $421.68 $484.9368 $342.69 $394.09 $445.23 $512.02 $528.45 $607.72 $490.12 $563.64 $542.87 $624.30 $439.72 $505.6869 $357.10 $410.67 $464.56 $534.25 $550.07 $632.58 $512.07 $588.88 $565.14 $649.91 $457.77 $526.4370 $370.87 $426.50 $483.89 $556.48 $571.37 $657.07 $534.02 $614.12 $587.09 $675.16 $475.55 $546.8871 $384.29 $441.94 $502.89 $578.33 $592.66 $681.57 $555.31 $638.61 $609.04 $700.40 $493.32 $567.3272 $397.40 $457.01 $521.24 $599.43 $613.31 $705.31 $576.28 $662.73 $630.34 $724.89 $510.58 $587.1673 $409.85 $471.33 $539.26 $620.15 $633.61 $728.66 $596.60 $686.09 $650.98 $748.62 $527.29 $606.3974 $421.97 $485.27 $556.62 $640.12 $653.27 $751.27 $616.25 $708.69 $671.29 $771.99 $543.75 $625.3175 $433.11 $498.08 $573.33 $659.33 $672.28 $773.12 $635.25 $730.54 $690.62 $794.21 $559.40 $643.3176 $443.60 $510.14 $589.06 $677.42 $690.30 $793.84 $653.27 $751.27 $708.97 $815.32 $574.26 $660.4077 $453.10 $521.06 $603.80 $694.37 $707.33 $813.43 $670.31 $770.86 $726.66 $835.66 $588.59 $676.8878 $461.61 $530.86 $617.56 $710.19 $723.06 $831.52 $686.03 $788.94 $743.04 $854.50 $601.86 $692.1479 $469.48 $539.90 $630.01 $724.51 $738.12 $848.85 $700.78 $805.90 $758.44 $872.21 $614.34 $706.4980 $476.36 $547.81 $641.48 $737.70 $751.56 $864.29 $714.21 $821.35 $772.20 $888.03 $625.48 $719.3081 $481.93 $554.22 $651.63 $749.38 $764.01 $878.61 $726.01 $834.91 $784.98 $902.72 $635.83 $731.2182 $487.49 $560.62 $661.79 $761.06 $776.13 $892.55 $737.80 $848.47 $797.43 $917.04 $645.91 $742.8083 $493.07 $567.03 $671.62 $772.36 $787.93 $906.12 $749.27 $861.66 $809.55 $930.98 $655.73 $754.1084 $498.96 $573.81 $681.12 $783.29 $799.40 $919.30 $760.41 $874.47 $821.35 $944.55 $665.29 $765.0885 $504.53 $580.22 $690.62 $794.21 $810.86 $932.49 $771.55 $887.28 $833.14 $958.11 $674.84 $776.0786 $510.10 $586.62 $699.80 $804.77 $821.67 $944.92 $780.72 $897.83 $844.28 $970.92 $683.86 $786.4487 $515.67 $593.02 $708.64 $814.94 $832.49 $957.36 $789.89 $908.38 $855.42 $983.73 $692.89 $796.8288 $521.57 $599.81 $717.16 $824.73 $842.64 $969.04 $798.41 $918.17 $865.90 $995.78 $701.38 $806.5889 $527.14 $606.21 $725.35 $834.15 $852.47 $980.34 $806.60 $927.59 $876.06 $1,007.47 $709.61 $816.0590 $532.71 $612.62 $733.54 $843.57 $861.97 $991.26 $814.46 $936.63 $885.89 $1,018.76 $717.57 $825.2091 $538.28 $619.02 $741.08 $852.24 $871.14 $1,001.82 $821.67 $944.92 $895.06 $1,029.32 $725.00 $833.7592 $544.18 $625.80 $748.28 $860.53 $879.66 $1,011.61 $828.55 $952.84 $903.91 $1,039.49 $732.16 $841.9893 $549.75 $632.21 $755.49 $868.81 $887.85 $1,021.03 $834.77 $959.99 $912.10 $1,048.91 $738.80 $849.6294 $555.31 $638.61 $762.04 $876.35 $895.39 $1,029.69 $840.67 $966.77 $919.96 $1,057.95 $745.16 $856.9495 $560.89 $645.02 $768.27 $883.51 $902.60 $1,037.99 $845.92 $972.80 $927.49 $1,066.62 $751.27 $863.9596 $566.45 $651.42 $774.49 $890.67 $909.80 $1,046.27 $851.16 $978.83 $934.70 $1,074.91 $757.11 $870.6797 $572.03 $657.83 $781.05 $898.20 $917.33 $1,054.94 $856.73 $985.24 $942.24 $1,083.57 $763.21 $877.7098 $577.92 $664.61 $787.27 $905.36 $924.54 $1,063.23 $861.97 $991.26 $950.10 $1,092.61 $769.58 $885.0299 $583.82 $671.39 $793.82 $912.90 $932.08 $1,071.89 $867.54 $997.67 $957.63 $1,101.28 $775.68 $892.04
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 20
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Direct Monthly Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $121.37 $139.58 $156.63 $180.13 $187.84 $216.01 $171.92 $197.71 $192.98 $221.93 $156.32 $179.7666 $127.30 $146.40 $164.59 $189.28 $196.73 $226.24 $180.97 $208.12 $202.03 $232.34 $163.64 $188.1967 $133.08 $153.04 $172.54 $198.43 $205.46 $236.28 $189.86 $218.34 $211.08 $242.74 $170.97 $196.6268 $139.00 $159.85 $180.50 $207.58 $214.20 $246.33 $198.76 $228.57 $220.13 $253.15 $178.30 $205.0569 $144.78 $166.49 $188.46 $216.73 $223.09 $256.56 $207.65 $238.80 $229.18 $263.55 $185.63 $213.4870 $150.39 $172.95 $196.26 $225.70 $231.67 $266.42 $216.54 $249.02 $238.07 $273.78 $192.84 $221.7671 $155.85 $179.23 $203.91 $234.49 $240.25 $276.29 $225.12 $258.89 $246.96 $284.01 $200.04 $230.0572 $161.16 $185.33 $211.39 $243.10 $248.68 $285.98 $233.70 $268.76 $255.54 $293.88 $206.99 $238.0473 $166.15 $191.07 $218.73 $251.53 $256.95 $295.49 $241.97 $278.27 $263.97 $303.56 $213.81 $245.8974 $170.99 $196.63 $225.75 $259.61 $264.90 $304.64 $249.93 $287.41 $272.24 $313.07 $220.51 $253.5975 $175.51 $201.84 $232.45 $267.32 $272.55 $313.43 $257.57 $296.21 $280.04 $322.04 $226.83 $260.8576 $179.88 $206.86 $238.85 $274.68 $279.88 $321.86 $264.90 $304.64 $287.53 $330.65 $232.90 $267.8377 $183.78 $211.35 $244.78 $281.50 $286.75 $329.76 $271.77 $312.54 $294.70 $338.91 $238.71 $274.5278 $187.21 $215.29 $250.40 $287.96 $293.30 $337.29 $278.16 $319.89 $301.25 $346.44 $244.02 $280.6279 $190.33 $218.88 $255.54 $293.88 $299.23 $344.11 $284.09 $326.71 $307.50 $353.62 $249.07 $286.4380 $193.14 $222.11 $260.07 $299.08 $304.84 $350.57 $289.55 $332.99 $313.11 $360.08 $253.62 $291.6681 $195.32 $224.62 $264.28 $303.92 $309.83 $356.31 $294.39 $338.55 $318.26 $366.00 $257.79 $296.4682 $197.66 $227.31 $268.34 $308.59 $314.67 $361.88 $299.23 $344.11 $323.25 $371.74 $261.83 $301.1183 $200.00 $230.00 $272.24 $313.07 $319.51 $367.43 $303.91 $349.49 $328.24 $377.48 $265.88 $305.7684 $202.19 $232.52 $276.14 $317.56 $324.19 $372.82 $308.43 $354.70 $333.08 $383.04 $269.80 $310.2785 $204.53 $235.21 $280.04 $322.04 $328.71 $378.02 $312.80 $359.72 $337.76 $388.42 $273.59 $314.6286 $206.87 $237.90 $283.62 $326.17 $333.24 $383.22 $316.70 $364.20 $342.44 $393.81 $277.38 $318.9887 $209.21 $240.59 $287.37 $330.48 $337.61 $388.25 $320.29 $368.33 $346.81 $398.83 $280.91 $323.0588 $211.39 $243.10 $290.80 $334.42 $341.66 $392.91 $323.72 $372.28 $351.18 $403.86 $284.45 $327.1289 $213.73 $245.79 $294.08 $338.19 $345.72 $397.57 $327.15 $376.23 $355.24 $408.52 $287.74 $330.9090 $216.07 $248.48 $297.36 $341.96 $349.62 $402.06 $330.27 $379.81 $359.13 $413.01 $290.90 $334.5391 $218.26 $251.00 $300.48 $345.55 $353.20 $406.19 $333.24 $383.22 $362.88 $417.31 $293.93 $338.0292 $220.60 $253.69 $303.44 $348.95 $356.64 $410.13 $335.89 $386.27 $366.47 $421.44 $296.84 $341.3693 $222.94 $256.38 $306.25 $352.19 $360.07 $414.08 $338.54 $389.32 $369.90 $425.38 $299.62 $344.5694 $225.12 $258.89 $308.90 $355.23 $363.03 $417.49 $340.88 $392.01 $373.02 $428.97 $302.15 $347.4795 $227.46 $261.58 $311.55 $358.29 $366.00 $420.90 $343.06 $394.53 $375.98 $432.38 $304.55 $350.2396 $229.65 $264.09 $314.05 $361.16 $368.96 $424.31 $345.09 $396.86 $379.10 $435.97 $307.08 $353.1497 $231.99 $266.78 $316.70 $364.20 $371.93 $427.72 $347.28 $399.37 $382.07 $439.38 $309.47 $355.9098 $234.33 $269.48 $319.35 $367.26 $374.89 $431.12 $349.46 $401.88 $385.19 $442.97 $312.00 $358.8099 $236.67 $272.17 $321.85 $370.12 $378.01 $434.71 $351.80 $404.57 $388.31 $446.55 $314.53 $361.71
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 21
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Direct Monthly Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $109.24 $125.62 $140.97 $162.11 $169.05 $194.41 $154.73 $177.94 $173.68 $199.74 $140.68 $161.7966 $114.57 $131.76 $148.13 $170.35 $177.05 $203.61 $162.87 $187.30 $181.83 $209.10 $147.28 $169.3767 $119.77 $137.73 $155.29 $178.59 $184.92 $212.66 $170.88 $196.51 $189.97 $218.47 $153.88 $176.9668 $125.10 $143.87 $162.45 $186.82 $192.78 $221.70 $178.88 $205.71 $198.12 $227.84 $160.47 $184.5569 $130.30 $149.84 $169.61 $195.06 $200.78 $230.90 $186.88 $214.92 $206.26 $237.20 $167.07 $192.1370 $135.35 $155.66 $176.63 $203.13 $208.51 $239.78 $194.89 $224.12 $214.26 $246.40 $173.55 $199.5871 $140.27 $161.31 $183.51 $211.04 $216.23 $248.66 $202.61 $233.00 $222.26 $255.60 $180.04 $207.0472 $145.04 $166.80 $190.25 $218.79 $223.81 $257.38 $210.33 $241.88 $229.99 $264.49 $186.29 $214.2373 $149.53 $171.96 $196.85 $226.38 $231.25 $265.94 $217.77 $250.44 $237.57 $273.21 $192.43 $221.3074 $153.89 $176.97 $203.17 $233.65 $238.41 $274.17 $224.93 $258.67 $245.01 $281.76 $198.46 $228.2375 $157.96 $181.65 $209.21 $240.59 $245.29 $282.09 $231.81 $266.59 $252.03 $289.84 $204.15 $234.7776 $161.89 $186.17 $214.96 $247.21 $251.89 $289.68 $238.41 $274.17 $258.77 $297.59 $209.61 $241.0577 $165.40 $190.21 $220.30 $253.35 $258.07 $296.78 $244.59 $281.28 $265.23 $305.02 $214.84 $247.0678 $168.49 $193.76 $225.36 $259.16 $263.97 $303.56 $250.35 $287.90 $271.13 $311.80 $219.62 $252.5679 $171.30 $196.99 $229.99 $264.49 $269.30 $309.70 $255.68 $294.04 $276.75 $318.26 $224.16 $257.7980 $173.82 $199.90 $234.06 $269.17 $274.36 $315.51 $260.60 $299.69 $281.80 $324.07 $228.26 $262.5081 $175.79 $202.16 $237.85 $273.53 $278.85 $320.68 $264.95 $304.70 $286.43 $329.40 $232.01 $266.8182 $177.90 $204.58 $241.50 $277.73 $283.21 $325.69 $269.30 $309.70 $290.93 $334.57 $235.65 $271.0083 $180.00 $207.00 $245.01 $281.76 $287.56 $330.69 $273.52 $314.54 $295.42 $339.73 $239.29 $275.1884 $181.97 $209.27 $248.52 $285.80 $291.77 $335.53 $277.59 $319.23 $299.77 $344.74 $242.82 $279.2485 $184.08 $211.69 $252.03 $289.84 $295.84 $340.22 $281.52 $323.75 $303.98 $349.58 $246.23 $283.1686 $186.18 $214.11 $255.26 $293.55 $299.91 $344.90 $285.03 $327.78 $308.20 $354.43 $249.64 $287.0987 $188.29 $216.53 $258.63 $297.43 $303.84 $349.42 $288.26 $331.50 $312.13 $358.95 $252.82 $290.7588 $190.25 $218.79 $261.72 $300.98 $307.49 $353.62 $291.35 $335.05 $316.06 $363.47 $256.01 $294.4189 $192.36 $221.21 $264.67 $304.37 $311.15 $357.82 $294.44 $338.60 $319.71 $367.67 $258.97 $297.8190 $194.46 $223.63 $267.62 $307.76 $314.66 $361.85 $297.25 $341.83 $323.22 $371.70 $261.81 $301.0891 $196.43 $225.90 $270.43 $310.99 $317.88 $365.57 $299.91 $344.90 $326.59 $375.58 $264.54 $304.2292 $198.54 $228.32 $273.09 $314.06 $320.97 $369.12 $302.30 $347.64 $329.82 $379.29 $267.15 $307.2393 $200.64 $230.74 $275.62 $316.97 $324.06 $372.67 $304.69 $350.39 $332.91 $382.85 $269.66 $310.1094 $202.61 $233.00 $278.01 $319.71 $326.73 $375.74 $306.79 $352.81 $335.72 $386.07 $271.93 $312.7295 $204.71 $235.42 $280.40 $322.46 $329.40 $378.81 $308.76 $355.07 $338.39 $389.14 $274.09 $315.2196 $206.68 $237.68 $282.64 $325.04 $332.07 $381.88 $310.58 $357.17 $341.19 $392.37 $276.37 $317.8297 $208.79 $240.11 $285.03 $327.78 $334.74 $384.94 $312.55 $359.43 $343.86 $395.44 $278.53 $320.3198 $210.89 $242.53 $287.42 $330.53 $337.40 $388.01 $314.52 $361.69 $346.67 $398.67 $280.80 $322.9299 $213.00 $244.95 $289.66 $333.11 $340.21 $391.24 $316.62 $364.11 $349.48 $401.90 $283.08 $325.54
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 22
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Direct Monthly Non-Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $97.10 $111.66 $125.30 $144.10 $150.27 $172.81 $137.54 $158.17 $154.39 $177.54 $125.05 $143.8166 $101.84 $117.12 $131.67 $151.42 $157.38 $180.99 $144.78 $166.49 $161.63 $185.87 $130.92 $150.5567 $106.46 $122.43 $138.04 $158.74 $164.37 $189.03 $151.89 $174.67 $168.86 $194.19 $136.78 $157.3068 $111.20 $127.88 $144.40 $166.06 $171.36 $197.06 $159.00 $182.86 $176.10 $202.52 $142.64 $164.0469 $115.82 $133.19 $150.77 $173.38 $178.47 $205.25 $166.12 $191.04 $183.34 $210.84 $148.51 $170.7870 $120.31 $138.36 $157.01 $180.56 $185.34 $213.14 $173.23 $199.22 $190.46 $219.02 $154.27 $177.4171 $124.68 $143.38 $163.12 $187.59 $192.20 $221.03 $180.10 $207.11 $197.57 $227.20 $160.03 $184.0472 $128.92 $148.26 $169.11 $194.48 $198.94 $228.79 $186.96 $215.01 $204.43 $235.10 $165.59 $190.4373 $132.92 $152.86 $174.98 $201.23 $205.56 $236.39 $193.58 $222.61 $211.18 $242.85 $171.05 $196.7174 $136.79 $157.31 $180.60 $207.69 $211.92 $243.71 $199.94 $229.93 $217.79 $250.46 $176.41 $202.8775 $140.41 $161.47 $185.96 $213.86 $218.04 $250.74 $206.06 $236.97 $224.03 $257.64 $181.46 $208.6876 $143.90 $165.49 $191.08 $219.74 $223.90 $257.49 $211.92 $243.71 $230.02 $264.52 $186.32 $214.2677 $147.02 $169.08 $195.82 $225.20 $229.40 $263.80 $217.42 $250.03 $235.76 $271.12 $190.97 $219.6178 $149.77 $172.23 $200.32 $230.36 $234.64 $269.83 $222.53 $255.91 $241.00 $277.15 $195.21 $224.5079 $152.26 $175.10 $204.43 $235.10 $239.38 $275.29 $227.28 $261.37 $246.00 $282.89 $199.26 $229.1480 $154.51 $177.69 $208.05 $239.26 $243.87 $280.45 $231.64 $266.39 $250.49 $288.06 $202.90 $233.3381 $156.26 $179.70 $211.42 $243.14 $247.87 $285.05 $235.51 $270.84 $254.61 $292.80 $206.23 $237.1782 $158.13 $181.85 $214.67 $246.87 $251.74 $289.50 $239.38 $275.29 $258.60 $297.39 $209.47 $240.8983 $160.00 $184.00 $217.79 $250.46 $255.60 $293.95 $243.12 $279.59 $262.59 $301.98 $212.70 $244.6184 $161.75 $186.01 $220.91 $254.04 $259.35 $298.25 $246.74 $283.76 $266.46 $306.43 $215.84 $248.2185 $163.62 $188.17 $224.03 $257.64 $262.97 $302.42 $250.24 $287.78 $270.21 $310.74 $218.87 $251.7086 $165.49 $190.32 $226.90 $260.94 $266.59 $306.58 $253.36 $291.36 $273.95 $315.05 $221.90 $255.1987 $167.37 $192.47 $229.89 $264.38 $270.08 $310.60 $256.23 $294.66 $277.45 $319.06 $224.73 $258.4488 $169.11 $194.48 $232.64 $267.54 $273.33 $314.33 $258.98 $297.82 $280.94 $323.08 $227.56 $261.7089 $170.98 $196.63 $235.26 $270.55 $276.57 $318.06 $261.72 $300.98 $284.19 $326.82 $230.19 $264.7290 $172.86 $198.79 $237.88 $273.57 $279.69 $321.65 $264.22 $303.85 $287.31 $330.40 $232.72 $267.6391 $174.60 $200.80 $240.38 $276.44 $282.56 $324.95 $266.59 $306.58 $290.30 $333.85 $235.15 $270.4292 $176.48 $202.95 $242.75 $279.16 $285.31 $328.11 $268.71 $309.02 $293.17 $337.15 $237.47 $273.0993 $178.35 $205.10 $245.00 $281.75 $288.06 $331.26 $270.83 $311.46 $295.92 $340.31 $239.69 $275.6594 $180.10 $207.11 $247.12 $284.19 $290.43 $333.99 $272.70 $313.61 $298.42 $343.18 $241.72 $277.9795 $181.97 $209.26 $249.24 $286.63 $292.80 $336.72 $274.45 $315.62 $300.79 $345.90 $243.64 $280.1896 $183.72 $211.27 $251.24 $288.92 $295.17 $339.45 $276.07 $317.49 $303.28 $348.78 $245.66 $282.5197 $185.59 $213.43 $253.36 $291.36 $297.54 $342.17 $277.82 $319.50 $305.65 $351.50 $247.58 $284.7298 $187.46 $215.58 $255.48 $293.80 $299.91 $344.90 $279.57 $321.50 $308.15 $354.37 $249.60 $287.0499 $189.33 $217.73 $257.48 $296.10 $302.41 $347.77 $281.44 $323.66 $310.65 $357.24 $251.62 $289.37
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 23
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Direct Monthly Smoker Premium RatesFor Use In All Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $142.43 $163.80 $183.78 $211.35 $220.60 $253.69 $202.03 $232.34 $226.68 $260.68 $183.61 $211.1566 $149.46 $171.88 $193.29 $222.29 $230.89 $265.53 $212.48 $244.36 $237.29 $272.89 $192.21 $221.0467 $156.32 $179.77 $202.66 $233.05 $241.35 $277.55 $222.94 $256.38 $247.90 $285.08 $200.80 $230.9268 $163.18 $187.66 $212.02 $243.82 $251.64 $289.39 $233.39 $268.40 $258.51 $297.28 $209.39 $240.8069 $170.05 $195.56 $221.22 $254.41 $261.94 $301.23 $243.84 $280.42 $269.11 $309.48 $217.98 $250.6870 $176.60 $203.09 $230.42 $264.99 $272.08 $312.89 $254.30 $292.44 $279.57 $321.51 $226.45 $260.4271 $183.00 $210.45 $239.47 $275.40 $282.22 $324.56 $264.44 $304.10 $290.02 $333.52 $234.92 $270.1572 $189.24 $217.62 $248.21 $285.44 $292.05 $335.86 $274.42 $315.58 $300.16 $345.19 $243.13 $279.6073 $195.17 $224.44 $256.79 $295.31 $301.72 $346.98 $284.09 $326.71 $309.99 $356.49 $251.09 $288.7674 $200.94 $231.08 $265.06 $304.82 $311.08 $357.75 $293.45 $337.47 $319.66 $367.61 $258.93 $297.7775 $206.24 $237.18 $273.02 $313.97 $320.13 $368.15 $302.50 $347.88 $328.87 $378.20 $266.38 $306.3476 $211.24 $242.92 $280.50 $322.58 $328.71 $378.02 $311.08 $357.75 $337.61 $388.25 $273.46 $314.4877 $215.76 $248.12 $287.53 $330.65 $336.82 $387.35 $319.20 $367.08 $346.03 $397.94 $280.28 $322.3278 $219.82 $252.79 $294.08 $338.19 $344.31 $395.96 $326.68 $375.68 $353.83 $406.90 $286.60 $329.5979 $223.56 $257.10 $300.01 $345.01 $351.49 $404.21 $333.71 $383.76 $361.16 $415.34 $292.54 $336.4280 $226.84 $260.86 $305.47 $351.29 $357.89 $411.57 $340.10 $391.12 $367.72 $422.87 $297.85 $342.5381 $229.49 $263.91 $310.30 $356.85 $363.81 $418.39 $345.72 $397.57 $373.80 $429.87 $302.78 $348.1982 $232.14 $266.96 $315.14 $362.41 $369.59 $425.02 $351.33 $404.04 $379.73 $436.69 $307.58 $353.7283 $234.79 $270.01 $319.82 $367.79 $375.20 $431.48 $356.79 $410.32 $385.50 $443.32 $312.25 $359.0984 $237.60 $273.24 $324.34 $373.00 $380.67 $437.76 $362.10 $416.42 $391.12 $449.79 $316.80 $364.3285 $240.25 $276.29 $328.87 $378.20 $386.12 $444.04 $367.40 $422.51 $396.73 $456.24 $321.35 $369.5686 $242.91 $279.34 $333.24 $383.22 $391.27 $449.96 $371.77 $427.54 $402.04 $462.34 $325.65 $374.5087 $245.56 $282.39 $337.45 $388.07 $396.42 $455.88 $376.14 $432.56 $407.34 $468.44 $329.95 $379.4488 $248.37 $285.62 $341.50 $392.73 $401.26 $461.45 $380.20 $437.23 $412.33 $474.18 $333.99 $384.0989 $251.02 $288.67 $345.41 $397.22 $405.94 $466.83 $384.10 $441.71 $417.17 $479.75 $337.91 $388.5990 $253.67 $291.72 $349.30 $401.70 $410.46 $472.03 $387.84 $446.02 $421.85 $485.13 $341.70 $392.9591 $256.32 $294.77 $352.89 $405.83 $414.83 $477.06 $391.27 $449.96 $426.22 $490.15 $345.24 $397.0292 $259.13 $298.00 $356.32 $409.78 $418.88 $481.72 $394.55 $453.73 $430.43 $495.00 $348.65 $400.9593 $261.78 $301.05 $359.76 $413.72 $422.79 $486.20 $397.51 $457.14 $434.33 $499.48 $351.81 $404.5894 $264.44 $304.10 $362.88 $417.31 $426.38 $490.33 $400.32 $460.37 $438.08 $503.79 $354.84 $408.0795 $267.09 $307.15 $365.84 $420.72 $429.81 $494.28 $402.82 $463.24 $441.66 $507.91 $357.75 $411.4196 $269.74 $310.20 $368.81 $424.13 $433.24 $498.23 $405.31 $466.11 $445.10 $511.86 $360.53 $414.6197 $272.39 $313.25 $371.93 $427.72 $436.83 $502.35 $407.97 $469.16 $448.68 $515.99 $363.43 $417.9598 $275.20 $316.48 $374.89 $431.12 $440.26 $506.30 $410.46 $472.03 $452.43 $520.29 $366.47 $421.4499 $278.01 $319.71 $378.01 $434.71 $443.85 $510.42 $413.11 $475.08 $456.02 $524.42 $369.37 $424.78
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 24
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Direct Monthly Smoker Premium RatesFor Use In All Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $128.19 $147.42 $165.40 $190.21 $198.54 $228.32 $181.83 $209.10 $204.01 $234.62 $165.25 $190.0466 $134.51 $154.69 $173.96 $200.06 $207.80 $238.98 $191.23 $219.92 $213.56 $245.60 $172.99 $198.9367 $140.69 $161.79 $182.39 $209.75 $217.21 $249.79 $200.64 $230.74 $223.11 $256.57 $180.72 $207.8368 $146.87 $168.90 $190.81 $219.44 $226.48 $260.45 $210.05 $241.56 $232.66 $267.56 $188.45 $216.7269 $153.04 $176.00 $199.10 $228.96 $235.75 $271.11 $219.46 $252.38 $242.20 $278.53 $196.19 $225.6170 $158.94 $182.78 $207.38 $238.49 $244.87 $281.60 $228.87 $263.20 $251.61 $289.36 $203.81 $234.3871 $164.70 $189.40 $215.53 $247.86 $254.00 $292.10 $237.99 $273.69 $261.02 $300.17 $211.42 $243.1472 $170.31 $195.86 $223.39 $256.90 $262.85 $302.27 $246.98 $284.03 $270.15 $310.67 $218.82 $251.6473 $175.65 $202.00 $231.11 $265.78 $271.55 $312.28 $255.68 $294.04 $278.99 $320.84 $225.98 $259.8874 $180.84 $207.97 $238.55 $274.34 $279.97 $321.97 $264.11 $303.72 $287.70 $330.85 $233.04 $267.9975 $185.62 $213.46 $245.71 $282.57 $288.12 $331.34 $272.25 $313.09 $295.98 $340.38 $239.74 $275.7176 $190.11 $218.63 $252.45 $290.32 $295.84 $340.22 $279.97 $321.97 $303.84 $349.42 $246.11 $283.0377 $194.18 $223.31 $258.77 $297.59 $303.14 $348.61 $287.28 $330.37 $311.43 $358.14 $252.25 $290.0978 $197.83 $227.51 $264.67 $304.37 $309.88 $356.37 $294.01 $338.12 $318.45 $366.21 $257.94 $296.6379 $201.20 $231.39 $270.01 $310.50 $316.34 $363.79 $300.33 $345.38 $325.05 $373.80 $263.29 $302.7880 $204.15 $234.78 $274.92 $316.16 $322.10 $370.41 $306.09 $352.01 $330.94 $380.58 $268.06 $308.2781 $206.54 $237.52 $279.27 $321.16 $327.43 $376.55 $311.15 $357.82 $336.42 $386.88 $272.50 $313.3782 $208.93 $240.27 $283.63 $326.17 $332.63 $382.52 $316.20 $363.63 $341.76 $393.02 $276.82 $318.3483 $211.31 $243.01 $287.84 $331.01 $337.68 $388.34 $321.11 $369.28 $346.95 $398.99 $281.03 $323.1884 $213.84 $245.92 $291.91 $335.70 $342.60 $393.99 $325.89 $374.77 $352.01 $404.81 $285.12 $327.8985 $216.23 $248.66 $295.98 $340.38 $347.51 $399.64 $330.66 $380.26 $357.06 $410.62 $289.22 $332.6086 $218.62 $251.41 $299.91 $344.90 $352.14 $404.97 $334.59 $384.78 $361.83 $416.11 $293.08 $337.0587 $221.00 $254.15 $303.70 $349.26 $356.78 $410.30 $338.53 $389.30 $366.61 $421.60 $296.95 $341.5088 $223.53 $257.06 $307.35 $353.46 $361.13 $415.30 $342.18 $393.50 $371.10 $426.76 $300.59 $345.6889 $225.92 $259.80 $310.86 $357.49 $365.34 $420.15 $345.69 $397.54 $375.45 $431.77 $304.12 $349.7390 $228.30 $262.55 $314.37 $361.53 $369.41 $424.83 $349.06 $401.41 $379.67 $436.61 $307.53 $353.6691 $230.69 $265.29 $317.60 $365.24 $373.35 $429.35 $352.14 $404.97 $383.60 $441.14 $310.71 $357.3292 $233.22 $268.20 $320.69 $368.80 $377.00 $433.55 $355.09 $408.36 $387.39 $445.50 $313.78 $360.8593 $235.61 $270.95 $323.78 $372.35 $380.51 $437.58 $357.76 $411.42 $390.90 $449.53 $316.63 $364.1294 $237.99 $273.69 $326.59 $375.58 $383.74 $441.30 $360.29 $414.33 $394.27 $453.41 $319.36 $367.2695 $240.38 $276.44 $329.26 $378.65 $386.83 $444.85 $362.54 $416.92 $397.50 $457.12 $321.97 $370.2796 $242.77 $279.18 $331.93 $381.71 $389.92 $448.40 $364.78 $419.50 $400.59 $460.67 $324.47 $373.1597 $245.15 $281.93 $334.74 $384.94 $393.14 $452.12 $367.17 $422.25 $403.82 $464.39 $327.09 $376.1698 $247.68 $284.83 $337.40 $388.01 $396.23 $455.67 $369.41 $424.83 $407.19 $468.26 $329.82 $379.2999 $250.21 $287.74 $340.21 $391.24 $399.46 $459.38 $371.80 $427.57 $410.41 $471.98 $332.43 $382.30
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 25
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Direct Monthly Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $113.95 $131.04 $147.02 $169.08 $176.48 $202.95 $161.63 $185.87 $181.34 $208.55 $146.89 $168.9266 $119.56 $137.50 $154.64 $177.83 $184.72 $212.42 $169.99 $195.48 $189.83 $218.31 $153.76 $176.8367 $125.06 $143.82 $162.12 $186.44 $193.08 $222.04 $178.35 $205.10 $198.32 $228.07 $160.64 $184.7468 $130.55 $150.13 $169.61 $195.05 $201.31 $231.51 $186.71 $214.72 $206.81 $237.83 $167.51 $192.6469 $136.04 $156.44 $176.98 $203.52 $209.55 $240.98 $195.07 $224.34 $215.29 $247.58 $174.39 $200.5470 $141.28 $162.48 $184.34 $211.99 $217.66 $250.31 $203.44 $233.95 $223.66 $257.20 $181.16 $208.3371 $146.40 $168.36 $191.58 $220.32 $225.78 $259.64 $211.55 $243.28 $232.02 $266.82 $187.93 $216.1272 $151.39 $174.10 $198.57 $228.35 $233.64 $268.69 $219.54 $252.47 $240.13 $276.15 $194.50 $223.6873 $156.14 $179.56 $205.43 $236.25 $241.38 $277.58 $227.28 $261.37 $247.99 $285.19 $200.87 $231.0074 $160.75 $184.86 $212.05 $243.85 $248.87 $286.20 $234.76 $269.98 $255.73 $294.09 $207.14 $238.2175 $165.00 $189.74 $218.41 $251.18 $256.10 $294.52 $242.00 $278.30 $263.09 $302.56 $213.10 $245.0776 $168.99 $194.34 $224.40 $258.06 $262.97 $302.42 $248.87 $286.20 $270.08 $310.60 $218.77 $251.5877 $172.61 $198.50 $230.02 $264.52 $269.46 $309.88 $255.36 $293.66 $276.82 $318.35 $224.23 $257.8678 $175.85 $202.23 $235.26 $270.55 $275.45 $316.77 $261.35 $300.55 $283.06 $325.52 $229.28 $263.6779 $178.85 $205.68 $240.00 $276.00 $281.19 $323.37 $266.96 $307.01 $288.93 $332.27 $234.03 $269.1480 $181.47 $208.69 $244.37 $281.03 $286.31 $329.26 $272.08 $312.89 $294.17 $338.30 $238.28 $274.0281 $183.59 $211.13 $248.24 $285.48 $291.05 $334.71 $276.57 $318.06 $299.04 $343.90 $242.22 $278.5682 $185.71 $213.57 $252.11 $289.93 $295.67 $340.02 $281.07 $323.23 $303.78 $349.35 $246.06 $282.9783 $187.84 $216.01 $255.86 $294.23 $300.16 $345.19 $285.44 $328.25 $308.40 $354.66 $249.80 $287.2884 $190.08 $218.59 $259.47 $298.40 $304.53 $350.21 $289.68 $333.13 $312.89 $359.83 $253.44 $291.4685 $192.20 $221.03 $263.09 $302.56 $308.90 $355.23 $293.92 $338.01 $317.39 $364.99 $257.08 $295.6586 $194.32 $223.47 $266.59 $306.58 $313.02 $359.97 $297.42 $342.03 $321.63 $369.88 $260.52 $299.6087 $196.45 $225.91 $269.96 $310.45 $317.14 $364.71 $300.91 $346.05 $325.87 $374.76 $263.96 $303.5588 $198.69 $228.50 $273.20 $314.18 $321.01 $369.16 $304.16 $349.78 $329.87 $379.35 $267.19 $307.2789 $200.81 $230.94 $276.32 $317.77 $324.75 $373.46 $307.28 $353.37 $333.74 $383.80 $270.33 $310.8890 $202.94 $233.38 $279.44 $321.36 $328.37 $377.62 $310.27 $356.81 $337.48 $388.10 $273.36 $314.3691 $205.06 $235.82 $282.31 $324.66 $331.86 $381.64 $313.02 $359.97 $340.98 $392.12 $276.19 $317.6292 $207.31 $238.40 $285.06 $327.82 $335.11 $385.37 $315.64 $362.98 $344.35 $396.00 $278.92 $320.7693 $209.43 $240.84 $287.81 $330.98 $338.23 $388.96 $318.01 $365.71 $347.46 $399.58 $281.45 $323.6694 $211.55 $243.28 $290.30 $333.85 $341.10 $392.26 $320.26 $368.30 $350.46 $403.03 $283.87 $326.4595 $213.67 $245.72 $292.67 $336.57 $343.85 $395.42 $322.25 $370.59 $353.33 $406.33 $286.20 $329.1396 $215.79 $248.16 $295.04 $339.30 $346.59 $398.58 $324.25 $372.89 $356.08 $409.49 $288.42 $331.6897 $217.91 $250.60 $297.54 $342.17 $349.46 $401.88 $326.37 $375.33 $358.95 $412.79 $290.75 $334.3698 $220.16 $253.18 $299.91 $344.90 $352.21 $405.04 $328.37 $377.62 $361.94 $416.23 $293.17 $337.1599 $222.41 $255.77 $302.41 $347.77 $355.08 $408.34 $330.49 $380.06 $364.81 $419.53 $295.50 $339.82
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 26
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Monthly EFT Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $101.14 $116.31 $130.52 $150.10 $156.52 $180.00 $143.26 $164.75 $160.81 $184.93 $130.26 $149.8066 $106.08 $121.99 $137.15 $157.73 $163.93 $188.52 $150.80 $173.42 $168.35 $193.61 $136.36 $156.8267 $110.89 $127.52 $143.78 $165.35 $171.21 $196.90 $158.21 $181.95 $175.89 $202.28 $142.47 $163.8468 $115.83 $133.21 $150.41 $172.97 $178.49 $205.27 $165.62 $190.47 $183.43 $210.95 $148.58 $170.8769 $120.64 $138.74 $157.04 $180.60 $185.90 $213.79 $173.03 $198.99 $190.97 $219.62 $154.69 $177.8970 $125.32 $144.12 $163.54 $188.07 $193.05 $222.01 $180.44 $207.51 $198.38 $228.14 $160.69 $184.7971 $129.87 $149.35 $169.91 $195.40 $200.20 $230.23 $187.59 $215.73 $205.79 $236.66 $166.69 $191.7072 $134.29 $154.44 $176.15 $202.58 $207.22 $238.31 $194.74 $223.96 $212.94 $244.89 $172.48 $198.3673 $138.45 $159.22 $182.26 $209.60 $214.11 $246.23 $201.63 $231.88 $219.97 $252.96 $178.17 $204.9074 $142.48 $163.85 $188.11 $216.33 $220.74 $253.85 $208.26 $239.50 $226.85 $260.88 $183.75 $211.3175 $146.25 $168.19 $193.70 $222.76 $227.11 $261.18 $214.63 $246.83 $233.36 $268.36 $189.02 $217.3776 $149.89 $172.38 $199.03 $228.89 $233.22 $268.21 $220.74 $253.85 $239.59 $275.53 $194.07 $223.1877 $153.14 $176.11 $203.97 $234.57 $238.94 $274.79 $226.47 $260.44 $245.57 $282.41 $198.92 $228.7578 $156.00 $179.40 $208.65 $239.95 $244.40 $281.07 $231.79 $266.56 $251.03 $288.69 $203.34 $233.8479 $158.60 $182.39 $212.94 $244.89 $249.35 $286.75 $236.74 $272.25 $256.24 $294.67 $207.55 $238.6880 $160.94 $185.08 $216.71 $249.22 $254.03 $292.13 $241.28 $277.48 $260.92 $300.05 $211.34 $243.0481 $162.76 $187.18 $220.22 $253.26 $258.18 $296.91 $245.32 $282.11 $265.21 $304.99 $214.82 $247.0482 $164.71 $189.42 $223.60 $257.15 $262.22 $301.55 $249.35 $286.75 $269.37 $309.77 $218.18 $250.9183 $166.66 $191.66 $226.85 $260.88 $266.24 $306.18 $253.24 $291.23 $273.52 $314.55 $221.56 $254.7984 $168.48 $193.76 $230.10 $264.62 $270.15 $310.67 $257.01 $295.57 $277.56 $319.19 $224.82 $258.5485 $170.43 $196.00 $233.36 $268.36 $273.92 $315.00 $260.66 $299.75 $281.46 $323.67 $227.98 $262.1886 $172.38 $198.24 $236.34 $271.80 $277.69 $319.34 $263.90 $303.49 $285.36 $328.16 $231.14 $265.8187 $174.33 $200.48 $239.46 $275.38 $281.33 $323.53 $266.90 $306.93 $289.00 $332.34 $234.09 $269.2088 $176.15 $202.58 $242.32 $278.67 $284.71 $327.41 $269.76 $310.22 $292.64 $336.53 $237.03 $272.5989 $178.10 $204.82 $245.05 $281.81 $288.09 $331.30 $272.62 $313.51 $296.02 $340.42 $239.77 $275.7490 $180.05 $207.06 $247.79 $284.95 $291.34 $335.04 $275.22 $316.50 $299.27 $344.16 $242.40 $278.7791 $181.87 $209.15 $250.39 $287.94 $294.32 $338.47 $277.69 $319.34 $302.39 $347.74 $244.93 $281.6792 $183.82 $211.40 $252.85 $290.78 $297.19 $341.76 $279.90 $321.88 $305.38 $351.18 $247.36 $284.4693 $185.77 $213.64 $255.19 $293.48 $300.05 $345.05 $282.11 $324.42 $308.24 $354.47 $249.67 $287.1294 $187.59 $215.73 $257.41 $296.02 $302.52 $347.89 $284.05 $326.66 $310.84 $357.46 $251.78 $289.5595 $189.54 $217.97 $259.62 $298.56 $304.99 $350.73 $285.88 $328.76 $313.31 $360.30 $253.78 $291.8496 $191.36 $220.07 $261.70 $300.95 $307.46 $353.58 $287.57 $330.70 $315.91 $363.29 $255.89 $294.2797 $193.31 $222.31 $263.90 $303.49 $309.93 $356.42 $289.39 $332.80 $318.38 $366.13 $257.88 $296.5798 $195.26 $224.55 $266.12 $306.03 $312.40 $359.26 $291.21 $334.89 $320.98 $369.12 $259.99 $298.9999 $197.21 $226.80 $268.20 $308.42 $315.00 $362.25 $293.16 $337.13 $323.58 $372.11 $262.10 $301.41
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 27
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Monthly EFT Non-Smoker Premium RatesFor Use In Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $91.03 $104.68 $117.47 $135.09 $140.87 $162.00 $128.94 $148.28 $144.73 $166.44 $117.23 $134.8266 $95.47 $109.79 $123.44 $141.95 $147.54 $169.67 $135.72 $156.08 $151.52 $174.25 $122.73 $141.1467 $99.80 $114.77 $129.40 $148.82 $154.09 $177.21 $142.39 $163.75 $158.30 $182.05 $128.23 $147.4668 $104.25 $119.89 $135.37 $155.68 $160.64 $184.74 $149.06 $171.42 $165.09 $189.85 $133.72 $153.7869 $108.58 $124.86 $141.34 $162.54 $167.31 $192.41 $155.73 $179.09 $171.88 $197.66 $139.22 $160.1070 $112.79 $129.71 $147.19 $169.27 $173.75 $199.81 $162.40 $186.76 $178.54 $205.33 $144.62 $166.3171 $116.88 $134.42 $152.92 $175.86 $180.18 $207.21 $168.83 $194.16 $185.21 $213.00 $150.02 $172.5372 $120.86 $138.99 $158.54 $182.32 $186.50 $214.48 $175.27 $201.56 $191.65 $220.40 $155.24 $178.5273 $124.61 $143.30 $164.04 $188.64 $192.70 $221.61 $181.47 $208.69 $197.97 $227.66 $160.35 $184.4174 $128.23 $147.47 $169.30 $194.70 $198.67 $228.47 $187.44 $215.55 $204.17 $234.79 $165.38 $190.1875 $131.63 $151.37 $174.33 $200.48 $204.40 $235.06 $193.17 $222.15 $210.02 $241.52 $170.12 $195.6376 $134.90 $155.14 $179.13 $206.00 $209.90 $241.39 $198.67 $228.47 $215.64 $247.98 $174.66 $200.8677 $137.83 $158.50 $183.58 $211.11 $215.05 $247.31 $203.82 $234.39 $221.02 $254.17 $179.02 $205.8878 $140.40 $161.46 $187.79 $215.96 $219.96 $252.96 $208.61 $239.91 $225.93 $259.82 $183.01 $210.4679 $142.74 $164.15 $191.65 $220.40 $224.41 $258.07 $213.06 $245.02 $230.61 $265.20 $186.80 $214.8180 $144.85 $166.58 $195.04 $224.30 $228.62 $262.92 $217.16 $249.73 $234.83 $270.05 $190.21 $218.7481 $146.49 $168.46 $198.20 $227.93 $232.37 $267.22 $220.78 $253.90 $238.68 $274.49 $193.33 $222.3382 $148.24 $170.48 $201.24 $231.43 $236.00 $271.40 $224.41 $258.07 $242.43 $278.79 $196.37 $225.8283 $150.00 $172.50 $204.17 $234.79 $239.62 $275.56 $227.92 $262.11 $246.17 $283.10 $199.40 $229.3184 $151.63 $174.38 $207.09 $238.16 $243.13 $279.60 $231.31 $266.01 $249.80 $287.27 $202.34 $232.6985 $153.39 $176.40 $210.02 $241.52 $246.52 $283.50 $234.59 $269.78 $253.31 $291.31 $205.18 $235.9686 $155.14 $178.42 $212.71 $244.62 $249.92 $287.41 $237.51 $273.14 $256.82 $295.34 $208.03 $239.2387 $156.90 $180.44 $215.52 $247.85 $253.19 $291.17 $240.21 $276.24 $260.10 $299.11 $210.68 $242.2888 $158.54 $182.32 $218.09 $250.81 $256.24 $294.67 $242.78 $279.20 $263.37 $302.88 $213.33 $245.3389 $160.29 $184.34 $220.55 $253.63 $259.28 $298.17 $245.35 $282.16 $266.42 $306.38 $215.80 $248.1790 $162.05 $186.35 $223.01 $256.46 $262.20 $301.53 $247.69 $284.85 $269.34 $309.74 $218.16 $250.8991 $163.69 $188.24 $225.35 $259.15 $264.89 $304.63 $249.92 $287.41 $272.15 $312.97 $220.44 $253.5092 $165.44 $190.26 $227.57 $261.70 $267.47 $307.59 $251.91 $289.69 $274.84 $316.06 $222.62 $256.0193 $167.20 $192.28 $229.68 $264.13 $270.04 $310.55 $253.90 $291.98 $277.41 $319.03 $224.70 $258.4194 $168.83 $194.16 $231.66 $266.41 $272.26 $313.10 $255.65 $294.00 $279.75 $321.72 $226.60 $260.5995 $170.59 $196.18 $233.65 $268.70 $274.49 $315.66 $257.29 $295.88 $281.98 $324.27 $228.40 $262.6696 $172.23 $198.06 $235.53 $270.86 $276.71 $318.22 $258.81 $297.63 $284.32 $326.96 $230.30 $264.8497 $173.98 $200.08 $237.51 $273.14 $278.93 $320.77 $260.45 $299.52 $286.54 $329.52 $232.10 $266.9198 $175.74 $202.10 $239.51 $275.43 $281.16 $323.33 $262.09 $301.40 $288.88 $332.21 $233.99 $269.0999 $177.49 $204.12 $241.38 $277.58 $283.50 $326.02 $263.84 $303.42 $291.22 $334.90 $235.89 $271.27
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 28
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Monthly EFT Non-Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $80.91 $93.05 $104.42 $120.08 $125.22 $144.00 $114.61 $131.80 $128.65 $147.95 $104.21 $119.8466 $84.87 $97.60 $109.72 $126.18 $131.15 $150.82 $120.64 $138.74 $134.68 $154.88 $109.09 $125.4667 $88.71 $102.02 $115.02 $132.28 $136.97 $157.52 $126.57 $145.56 $140.72 $161.82 $113.98 $131.0868 $92.66 $106.57 $120.33 $138.38 $142.79 $164.21 $132.50 $152.37 $146.75 $168.76 $118.86 $136.6969 $96.51 $110.99 $125.63 $144.48 $148.72 $171.03 $138.43 $159.19 $152.78 $175.69 $123.75 $142.3170 $100.26 $115.30 $130.83 $150.46 $154.44 $177.61 $144.36 $166.01 $158.71 $182.51 $128.55 $147.8371 $103.90 $119.48 $135.93 $156.32 $160.16 $184.19 $150.07 $172.59 $164.63 $189.33 $133.35 $153.3672 $107.43 $123.55 $140.92 $162.06 $165.78 $190.65 $155.80 $179.16 $170.35 $195.91 $137.99 $158.6973 $110.76 $127.38 $145.81 $167.68 $171.29 $196.99 $161.31 $185.50 $175.97 $202.37 $142.54 $163.9274 $113.99 $131.08 $150.49 $173.06 $176.59 $203.08 $166.61 $191.60 $181.48 $208.71 $147.00 $169.0575 $117.00 $134.55 $154.96 $178.21 $181.69 $208.95 $171.71 $197.46 $186.68 $214.69 $151.21 $173.9076 $119.91 $137.90 $159.23 $183.11 $186.58 $214.57 $176.59 $203.08 $191.68 $220.43 $155.26 $178.5477 $122.51 $140.89 $163.18 $187.66 $191.16 $219.83 $181.17 $208.35 $196.46 $225.93 $159.13 $183.0078 $124.80 $143.52 $166.92 $191.96 $195.52 $224.85 $185.44 $213.25 $200.83 $230.95 $162.67 $187.0779 $126.88 $145.91 $170.35 $195.91 $199.48 $229.40 $189.39 $217.80 $204.99 $235.74 $166.04 $190.9580 $128.75 $148.07 $173.37 $199.38 $203.22 $233.70 $193.03 $221.98 $208.73 $240.04 $169.07 $194.4381 $130.21 $149.74 $176.18 $202.61 $206.55 $237.53 $196.25 $225.69 $212.16 $243.99 $171.85 $197.6382 $131.77 $151.54 $178.88 $205.72 $209.77 $241.24 $199.48 $229.40 $215.49 $247.82 $174.55 $200.7383 $133.33 $153.33 $181.48 $208.71 $213.00 $244.94 $202.60 $232.98 $218.82 $251.64 $177.24 $203.8384 $134.79 $155.01 $184.08 $211.70 $216.12 $248.53 $205.61 $236.45 $222.05 $255.35 $179.86 $206.8485 $136.35 $156.80 $186.68 $214.69 $219.13 $252.00 $208.52 $239.80 $225.16 $258.94 $182.38 $209.7486 $137.91 $158.59 $189.08 $217.44 $222.15 $255.47 $211.12 $242.79 $228.28 $262.53 $184.91 $212.6587 $139.47 $160.39 $191.57 $220.31 $225.06 $258.82 $213.52 $245.54 $231.20 $265.88 $187.27 $215.3688 $140.92 $162.06 $193.86 $222.94 $227.76 $261.93 $215.80 $248.17 $234.11 $269.23 $189.63 $218.0789 $142.48 $163.85 $196.04 $225.45 $230.47 $265.04 $218.09 $250.81 $236.81 $272.34 $191.82 $220.5990 $144.04 $165.65 $198.23 $227.96 $233.07 $268.03 $220.17 $253.20 $239.41 $275.33 $193.92 $223.0191 $145.50 $167.32 $200.31 $230.35 $235.46 $270.78 $222.15 $255.47 $241.91 $278.19 $195.95 $225.3492 $147.06 $169.12 $202.28 $232.63 $237.75 $273.41 $223.92 $257.50 $244.30 $280.95 $197.88 $227.5793 $148.62 $170.91 $204.16 $234.78 $240.04 $276.04 $225.68 $259.54 $246.59 $283.58 $199.74 $229.7094 $150.07 $172.59 $205.92 $236.81 $242.01 $278.32 $227.24 $261.33 $248.67 $285.97 $201.42 $231.6495 $151.63 $174.38 $207.69 $238.85 $243.99 $280.59 $228.70 $263.01 $250.65 $288.24 $203.02 $233.4896 $153.09 $176.05 $209.36 $240.76 $245.96 $282.86 $230.05 $264.56 $252.73 $290.64 $204.71 $235.4197 $154.65 $177.85 $211.12 $242.79 $247.94 $285.13 $231.51 $266.24 $254.70 $292.91 $206.31 $237.2598 $156.21 $179.64 $212.89 $244.83 $249.92 $287.40 $232.97 $267.91 $256.78 $295.30 $207.99 $239.1999 $157.77 $181.44 $214.56 $246.74 $252.00 $289.80 $234.53 $269.70 $258.86 $297.69 $209.68 $241.13
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 29
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Monthly EFT Smoker Premium RatesFor Use In All Indiana Zip Codes
46400-46499
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $118.69 $136.49 $153.14 $176.11 $183.82 $211.40 $168.35 $193.61 $188.89 $217.23 $153.00 $175.9566 $124.54 $143.22 $161.07 $185.23 $192.40 $221.27 $177.06 $203.62 $197.73 $227.40 $160.17 $184.1967 $130.26 $149.80 $168.87 $194.20 $201.12 $231.28 $185.77 $213.64 $206.57 $237.56 $167.32 $192.4268 $135.98 $156.38 $176.67 $203.17 $209.69 $241.15 $194.48 $223.66 $215.41 $247.73 $174.48 $200.6669 $141.70 $162.96 $184.34 $212.00 $218.27 $251.01 $203.19 $233.67 $224.25 $257.89 $181.65 $208.8970 $147.16 $169.24 $192.01 $220.82 $226.72 $260.73 $211.90 $243.69 $232.96 $267.91 $188.70 $217.0171 $152.49 $175.36 $199.55 $229.49 $235.17 $270.45 $220.35 $253.41 $241.67 $277.93 $195.76 $225.1272 $157.69 $181.35 $206.83 $237.86 $243.37 $279.87 $228.67 $262.98 $250.13 $287.64 $202.60 $232.9973 $162.63 $187.03 $213.98 $246.08 $251.42 $289.14 $236.74 $272.25 $258.31 $297.06 $209.23 $240.6274 $167.44 $192.56 $220.87 $254.00 $259.23 $298.11 $244.53 $281.22 $266.38 $306.33 $215.76 $248.1375 $171.86 $197.64 $227.50 $261.63 $266.77 $306.78 $252.07 $289.89 $274.04 $315.15 $221.98 $255.2776 $176.02 $202.43 $233.74 $268.81 $273.92 $315.00 $259.23 $298.11 $281.33 $323.53 $227.87 $262.0577 $179.79 $206.76 $239.59 $275.53 $280.68 $322.78 $265.99 $305.88 $288.35 $331.60 $233.56 $268.5978 $183.17 $210.65 $245.05 $281.81 $286.92 $329.96 $272.22 $313.06 $294.85 $339.07 $238.82 $274.6579 $186.29 $214.24 $249.99 $287.49 $292.89 $336.83 $278.08 $319.79 $300.96 $346.10 $243.77 $280.3480 $189.02 $217.38 $254.54 $292.73 $298.23 $342.96 $283.41 $325.92 $306.42 $352.38 $248.20 $285.4381 $191.23 $219.92 $258.57 $297.36 $303.17 $348.64 $288.09 $331.30 $311.49 $358.21 $252.30 $290.1582 $193.44 $222.46 $262.61 $302.00 $307.98 $354.17 $292.77 $336.68 $316.43 $363.89 $256.30 $294.7583 $195.65 $225.00 $266.51 $306.48 $312.66 $359.56 $297.32 $341.92 $321.24 $369.42 $260.20 $299.2384 $197.99 $227.69 $270.28 $310.82 $317.21 $364.79 $301.74 $347.00 $325.92 $374.81 $263.99 $303.5985 $200.20 $230.23 $274.04 $315.15 $321.76 $370.02 $306.16 $352.08 $330.60 $380.19 $267.78 $307.9586 $202.41 $232.78 $277.69 $319.34 $326.05 $374.95 $309.80 $356.27 $335.02 $385.27 $271.36 $312.0787 $204.62 $235.32 $281.20 $323.38 $330.34 $379.89 $313.44 $360.45 $339.44 $390.35 $274.94 $316.1988 $206.96 $238.01 $284.57 $327.26 $334.37 $384.52 $316.82 $364.34 $343.60 $395.14 $278.31 $320.0689 $209.17 $240.55 $287.83 $331.00 $338.27 $389.01 $320.07 $368.08 $347.63 $399.77 $281.58 $323.8290 $211.38 $243.09 $291.08 $334.74 $342.04 $393.34 $323.19 $371.66 $351.53 $404.26 $284.74 $327.4591 $213.59 $245.63 $294.07 $338.18 $345.68 $397.53 $326.05 $374.95 $355.17 $408.44 $287.69 $330.8492 $215.93 $248.33 $296.92 $341.47 $349.06 $401.42 $328.78 $378.09 $358.68 $412.48 $290.53 $334.1193 $218.14 $250.87 $299.79 $344.75 $352.31 $405.15 $331.25 $380.93 $361.93 $416.22 $293.16 $337.1494 $220.35 $253.41 $302.39 $347.74 $355.30 $408.59 $333.59 $383.63 $365.05 $419.81 $295.69 $340.0495 $222.57 $255.95 $304.86 $350.58 $358.16 $411.88 $335.67 $386.02 $368.04 $423.24 $298.11 $342.8396 $224.77 $258.49 $307.33 $353.43 $361.02 $415.17 $337.75 $388.41 $370.90 $426.53 $300.43 $345.4997 $226.99 $261.03 $309.93 $356.42 $364.01 $418.61 $339.96 $390.95 $373.89 $429.97 $302.85 $348.2898 $229.32 $263.72 $312.40 $359.26 $366.87 $421.90 $342.04 $393.34 $377.01 $433.56 $305.38 $351.1899 $231.66 $266.41 $315.00 $362.25 $369.86 $425.34 $344.25 $395.88 $380.00 $437.00 $307.80 $353.97
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 30
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Monthly EFT Smoker Premium RatesFor Use In All Indiana Zip Codes
46000-46399, 47100-47199, 47800-47899
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $106.82 $122.85 $137.83 $158.50 $165.44 $190.26 $151.52 $174.25 $170.00 $195.51 $137.70 $158.3666 $112.09 $128.90 $144.96 $166.71 $173.16 $199.14 $159.36 $183.26 $177.96 $204.66 $144.15 $165.7767 $117.24 $134.82 $151.99 $174.78 $181.00 $208.15 $167.20 $192.28 $185.92 $213.80 $150.59 $173.1868 $122.38 $140.74 $159.01 $182.86 $188.72 $217.03 $175.03 $201.29 $193.87 $222.95 $157.04 $180.5969 $127.53 $146.66 $165.91 $190.80 $196.45 $225.91 $182.87 $210.31 $201.83 $232.10 $163.48 $188.0070 $132.45 $152.31 $172.81 $198.73 $204.05 $234.66 $190.71 $219.32 $209.67 $241.12 $169.83 $195.3071 $137.24 $157.83 $179.60 $206.54 $211.66 $243.41 $198.32 $228.07 $217.51 $250.13 $176.18 $202.6172 $141.92 $163.21 $186.15 $214.07 $219.03 $251.88 $205.81 $236.68 $225.11 $258.88 $182.34 $209.6973 $146.37 $168.33 $192.59 $221.47 $226.28 $260.22 $213.06 $245.02 $232.48 $267.35 $188.31 $216.5674 $150.70 $173.30 $198.79 $228.60 $233.30 $268.30 $220.08 $253.09 $239.74 $275.70 $194.19 $223.3275 $154.68 $177.88 $204.75 $235.47 $240.09 $276.10 $226.87 $260.90 $246.64 $283.64 $199.78 $229.7576 $158.42 $182.18 $210.37 $241.93 $246.52 $283.50 $233.30 $268.30 $253.19 $291.17 $205.09 $235.8577 $161.81 $186.08 $215.64 $247.98 $252.61 $290.50 $239.39 $275.30 $259.51 $298.44 $210.20 $241.7378 $164.86 $189.58 $220.55 $253.63 $258.22 $296.96 $245.00 $281.75 $265.36 $305.17 $214.94 $247.1879 $167.66 $192.81 $225.00 $258.74 $263.61 $303.15 $250.27 $287.81 $270.86 $311.49 $219.40 $252.3180 $170.12 $195.64 $229.09 $263.45 $268.40 $308.66 $255.07 $293.33 $275.78 $317.14 $223.38 $256.8881 $172.11 $197.93 $232.72 $267.63 $272.85 $313.78 $259.28 $298.17 $280.34 $322.39 $227.07 $261.1482 $174.10 $200.21 $236.34 $271.80 $277.18 $318.76 $263.49 $303.01 $284.78 $327.50 $230.67 $265.2883 $176.09 $202.50 $239.85 $275.83 $281.39 $323.60 $267.58 $307.72 $289.11 $332.48 $234.18 $269.3184 $178.19 $204.92 $243.25 $279.74 $285.49 $328.31 $271.56 $312.30 $293.33 $337.33 $237.59 $273.2385 $180.18 $207.21 $246.64 $283.64 $289.58 $333.02 $275.54 $316.87 $297.54 $342.17 $241.01 $277.1686 $182.17 $209.50 $249.92 $287.41 $293.44 $337.46 $278.82 $320.64 $301.52 $346.74 $244.23 $280.8687 $184.16 $211.79 $253.08 $291.04 $297.30 $341.90 $282.09 $324.41 $305.49 $351.32 $247.45 $284.5788 $186.27 $214.21 $256.12 $294.53 $300.93 $346.07 $285.13 $327.91 $309.24 $355.62 $250.48 $288.0589 $188.26 $216.50 $259.04 $297.90 $304.44 $350.11 $288.06 $331.27 $312.86 $359.80 $253.42 $291.4390 $190.25 $218.78 $261.97 $301.26 $307.83 $354.01 $290.87 $334.50 $316.37 $363.83 $256.26 $294.7091 $192.23 $221.07 $264.66 $304.36 $311.11 $357.78 $293.44 $337.46 $319.65 $367.60 $258.92 $297.7592 $194.34 $223.49 $267.23 $307.32 $314.15 $361.27 $295.90 $340.28 $322.81 $371.23 $261.48 $300.7093 $196.33 $225.78 $269.81 $310.28 $317.08 $364.64 $298.12 $342.84 $325.74 $374.60 $263.85 $303.4294 $198.32 $228.07 $272.15 $312.97 $319.77 $367.73 $300.23 $345.26 $328.54 $377.83 $266.12 $306.0495 $200.31 $230.36 $274.37 $315.53 $322.34 $370.70 $302.10 $347.42 $331.23 $380.92 $268.30 $308.5496 $202.30 $232.64 $276.59 $318.08 $324.92 $373.65 $303.97 $349.57 $333.81 $383.88 $270.38 $310.9497 $204.29 $234.93 $278.93 $320.77 $327.61 $376.75 $305.96 $351.86 $336.50 $386.98 $272.56 $313.4598 $206.39 $237.35 $281.16 $323.33 $330.18 $379.71 $307.83 $354.01 $339.31 $390.20 $274.84 $316.0699 $208.50 $239.77 $283.50 $326.02 $332.87 $382.80 $309.82 $356.30 $342.00 $393.30 $277.02 $318.57
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 31
Home Office:1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, OH 43215(614) 487-9680 • Toll-free: (800) 848-0123 • Fax: (614) 487-9675
Monthly EFT Smoker Premium RatesFor Use In Indiana Zip Codes
All Other Zip Codes
Attained Age Plan A Plan B Plan C Plan D Plan F Plan GFemale Male Female Male Female Male Female Male Female Male Female Male
65 $94.95 $109.20 $122.51 $140.89 $147.06 $169.12 $134.68 $154.88 $151.11 $173.78 $122.40 $140.7666 $99.63 $114.58 $128.86 $148.19 $153.92 $177.01 $141.65 $162.90 $158.19 $181.92 $128.13 $147.3567 $104.21 $119.84 $135.10 $155.36 $160.89 $185.03 $148.62 $170.91 $165.26 $190.05 $133.86 $153.9468 $108.78 $125.10 $141.34 $162.54 $167.76 $192.92 $155.59 $178.92 $172.33 $198.18 $139.59 $160.5369 $113.36 $130.37 $147.47 $169.60 $174.62 $200.81 $162.55 $186.94 $179.40 $206.31 $145.32 $167.1170 $117.73 $135.39 $153.61 $176.65 $181.38 $208.59 $169.52 $194.95 $186.37 $214.33 $150.96 $173.6071 $121.99 $140.29 $159.64 $183.59 $188.14 $216.36 $176.28 $202.73 $193.34 $222.34 $156.60 $180.1072 $126.15 $145.08 $165.47 $190.29 $194.69 $223.90 $182.94 $210.38 $200.10 $230.12 $162.08 $186.3973 $130.11 $149.62 $171.19 $196.87 $201.14 $231.31 $189.39 $217.80 $206.65 $237.65 $167.39 $192.5074 $133.95 $154.05 $176.70 $203.20 $207.38 $238.49 $195.63 $224.97 $213.10 $245.07 $172.61 $198.5075 $137.49 $158.11 $182.00 $209.30 $213.41 $245.42 $201.66 $231.91 $219.24 $252.12 $177.58 $204.2276 $140.82 $161.94 $186.99 $215.04 $219.13 $252.00 $207.38 $238.49 $225.06 $258.82 $182.30 $209.6477 $143.83 $165.41 $191.68 $220.43 $224.54 $258.22 $212.79 $244.71 $230.68 $265.28 $186.85 $214.8778 $146.54 $168.52 $196.04 $225.45 $229.53 $263.96 $217.78 $250.45 $235.88 $271.26 $191.06 $219.7279 $149.03 $171.39 $200.00 $229.99 $234.32 $269.46 $222.46 $255.83 $240.77 $276.88 $195.02 $224.2780 $151.22 $173.90 $203.64 $234.18 $238.58 $274.37 $226.72 $260.73 $245.13 $281.90 $198.56 $228.3481 $152.99 $175.94 $206.86 $237.89 $242.53 $278.91 $230.47 $265.04 $249.19 $286.57 $201.84 $232.1282 $154.75 $177.97 $210.08 $241.60 $246.38 $283.34 $234.21 $269.35 $253.14 $291.11 $205.04 $235.8083 $156.52 $180.00 $213.20 $245.18 $250.13 $287.64 $237.85 $273.53 $256.99 $295.54 $208.16 $239.3984 $158.39 $182.15 $216.22 $248.65 $253.77 $291.83 $241.39 $277.60 $260.73 $299.85 $211.19 $242.8785 $160.16 $184.19 $219.24 $252.12 $257.41 $296.02 $244.93 $281.66 $264.48 $304.15 $214.23 $246.3686 $161.93 $186.22 $222.15 $255.47 $260.84 $299.96 $247.84 $285.01 $268.01 $308.22 $217.09 $249.6587 $163.70 $188.25 $224.96 $258.70 $264.27 $303.91 $250.75 $288.36 $271.55 $312.28 $219.96 $252.9588 $165.57 $190.41 $227.66 $261.81 $267.49 $307.62 $253.45 $291.47 $274.88 $316.11 $222.65 $256.0589 $167.34 $192.44 $230.26 $264.80 $270.61 $311.21 $256.05 $294.46 $278.10 $319.82 $225.26 $259.0590 $169.11 $194.47 $232.86 $267.79 $273.63 $314.67 $258.55 $297.33 $281.22 $323.40 $227.79 $261.9691 $170.87 $196.51 $235.25 $270.54 $276.54 $318.02 $260.84 $299.96 $284.14 $326.76 $230.15 $264.6792 $172.75 $198.66 $237.54 $273.17 $279.24 $321.13 $263.02 $302.48 $286.94 $329.98 $232.42 $267.2993 $174.52 $200.69 $239.83 $275.80 $281.85 $324.12 $265.00 $304.75 $289.54 $332.97 $234.53 $269.7194 $176.28 $202.73 $241.91 $278.19 $284.24 $326.87 $266.87 $306.90 $292.04 $335.84 $236.55 $272.0395 $178.05 $204.76 $243.88 $280.47 $286.53 $329.51 $268.53 $308.81 $294.43 $338.59 $238.49 $274.2696 $179.82 $206.79 $245.86 $282.74 $288.82 $332.14 $270.20 $310.73 $296.72 $341.23 $240.34 $276.3997 $181.59 $208.83 $247.94 $285.13 $291.21 $334.89 $271.97 $312.76 $299.11 $343.98 $242.28 $278.6298 $183.46 $210.98 $249.92 $287.40 $293.49 $337.52 $273.63 $314.67 $301.61 $346.85 $244.30 $280.9599 $185.33 $213.13 $252.00 $289.80 $295.89 $340.27 $275.40 $316.71 $304.00 $349.60 $246.24 $283.17
MODAL FACTORS Semi Annual – 0.51500 Quarterly – 0.26250 Direct Monthly – 0.10000 Monthly EFT – 0.08333
MSA OC 10 IN For new business issued 11/1/2009 or later Page 32
PREMIUM INFORMATION
We, The Order of United Commercial Travelers of America, can only raise your premium if we raise the premium for all policies like yours in this State. Premiums are based on your attained age and will change on your policy anniversary date.
DISCLOSURES
Use this outline to compare benefits and premiums among policies.
READ YOUR POLICY VERY CAREFULLY
This is only an outline describing your policy’s most important features. The policy is your insurance contract. You must read the policy itself to understand all of the rights and duties of both you and your insurance company.
RIGHT TO RETURN POLICY
If you find that you are not satisfied with your policy, you may return it to: The Order of United Commercial Travelers of America, 1801 Watermark Drive, Suite 100, P.O. Box 159019, Columbus, Ohio 43215-8619, or to the representative through whom the policy was purchased. If you send the policy back to us within 30 days after you receive it, we will treat the policy as if it had never been issued and return all of your payments.
POLICY REPLACEMENT
If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new policy and are sure you want to keep it.
NOTICE
This policy may not fully cover all of your medical costs.
Neither The Order of United Commercial Travelers of America nor its agents are connected with Medicare.
This outline of coverage does not give all of the details of Medicare coverage. Contact your local Social Security Office or consult Medicare & You for more details.
COMPLETE ANSWERS ARE VERY IMPORTANT
When you fill out the application for the new policy, be sure to answer truthfully and completely all questions about your medical and health history. The company may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information.
Review the application carefully before you sign it. Be certain that all information has been properly recorded.
MSA OC 10 IN Page 33
PLAN AMEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS PLAN A PAYS YOU PAYHOSPITALIZATION*Semi-private room and board, general nursing and miscellaneous services and supplies:First 60 days61st - 90th day91st day and after:- While using 60 lifetime reserve days- Once lifetime reserve days are used:- Additional 365 days
- Beyond the additional 365 days
All but $1,100All but $275 a day
All but $550 a day
$0
$0
$0$275 a day
$550 a day
100% of Medicare Eligible Expenses$0
$1,100 (Part A Deductible)$0
$0
$0**
All costsSKILLED NURSING FACILITY CARE*You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:First 20 days21st - 100th day101st day and after
All approved amountsAll but $137.50 a day$0
$0$0$0
$0Up to $137.50 a dayAll costs
BLOODFirst 3 pintsAdditional amounts
$0100%
3 pints$0
$0$0
HOSPICE CAREAvailable as long as your doctor certifies that you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, we stand in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
MSA OC 10 IN Page 34
PLAN AMEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
* Once you have been billed $155 of Medicare Approved Amounts for covered services (which are noted with an asterisk), your Part B Deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS PLAN A PAYS YOU PAYMEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:First $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
Generally 80%
$0
Generally 20%
$155 (Part B Deductible)
$0Part B Excess Charges (Above Medicare Approved Amounts) $0 $0 All costsBLOODFirst 3 pintsNext $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
$0
80%
All costs
$0
20%
$0
$155 (Part B Deductible)
$0CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
MEDICARE (PARTS A & B)
SERVICES MEDICARE PAYS PLAN A PAYS YOU PAYHOME HEALTH CARE MEDICARE APPROVED SERVICES- Medically necessary skilled care services and medical supplies- Durable medical equipment First $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
100%
$0
80%
$0
$0
20%
$0
$155 (Part B Deductible)
$0
MSA OC 10 IN Page 35
PLAN BMEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS PLAN B PAYS YOU PAYHOSPITALIZATION*Semi-private room and board, general nursing and miscellaneous services and supplies:First 60 days61st - 90th day91st day and after:- While using 60 lifetime reserve days- Once lifetime reserve days are used:- Additional 365 days
- Beyond the additional 365 days
All but $1,100All but $275 a day
All but $550 a day
$0
$0
$1,100 (Part A Deductible)$275 a day
$550 a day
100% of Medicare Eligible Expenses$0
$0$0
$0
$0**
All costsSKILLED NURSING FACILITY CARE*You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:First 20 days21st - 100th day101st day and after
All approved amountsAll but $137.50 a day$0
$0$0$0
$0Up to $137.50 a dayAll costs
BLOODFirst 3 pintsAdditional amounts
$0100%
3 pints$0
$0$0
HOSPICE CAREAvailable as long as your doctor certifies that you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, we stand in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
MSA OC 10 IN Page 36
PLAN BMEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
* Once you have been billed $155 of Medicare Approved Amounts for covered services (which are noted with an asterisk), your Part B Deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS PLAN B PAYS YOU PAYMEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:First $155 of Medicare Approved Amounts*Remainder of MedicareApproved Amounts
$0
Generally 80%
$0
Generally 20%
$155 (Part B Deductible)
$0Part B Excess Charges (Above Medicare Approved Amounts) $0 $0 All costsBLOODFirst 3 pintsNext $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
$0
80%
All costs
$0
20%
$0
$155 (Part B Deductible)
$0CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
MEDICARE (PARTS A & B)
SERVICES MEDICARE PAYS PLAN B PAYS YOU PAYHOME HEALTH CAREMEDICARE APPROVED SERVICES- Medically necessary skilled care services and medical supplies- Durable medical equipmentFirst $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
100%
$0
80%
$0
$0
20%
$0
$155 (Part B Deductible)
$0
MSA OC 10 IN Page 37
PLAN CMEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS PLAN C PAYS YOU PAYHOSPITALIZATION*Semi-private room and board, general nursing and miscellaneous services and supplies:First 60 days61st - 90th day91st day and after:- While using 60 lifetime reserve days- Once lifetime reserve days are used:- Additional 365 days
- Beyond the additional 365 days
All but $1,100All but $275 a day
All but $550 a day
$0
$0
$1,100 (Part A Deductible)$275 a day
$550 a day
100% of Medicare Eligible Expenses$0
$0$0
$0
$0**
All costsSKILLED NURSING FACILITY CARE*You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:First 20 days21st - 100th day101st day and after
All approved amountsAll but $137.50 a day$0
$0Up to $137.50 a day$0
$0$0All costs
BLOODFirst 3 pintsAdditional amounts
$0100%
3 pints$0
$0$0
HOSPICE CAREAvailable as long as your doctor certifies that you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, we stand in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
MSA OC 10 IN Page 38
PLAN CMEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
* Once you have been billed $155 of Medicare Approved Amounts for covered services (which are noted with an asterisk), your Part B Deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS PLAN C PAYS YOU PAYMEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:First $155 of Medicare Approved Amounts*Remainder of MedicareApproved Amounts
$0
Generally 80%
$155 (Part B Deductible)
Generally 20%
$0
$0Part B Excess Charges (Above Medicare Approved Amounts) $0 $0 All costsBLOODFirst 3 pintsNext $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
$0
80%
All costs
$155 (Part B Deductible)
20%
$0
$0
$0CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
MEDICARE (PARTS A & B)HOME HEALTH CAREMEDICARE APPROVED SERVICES- Medically necessary skilled care services and medical supplies- Durable medical equipmentFirst $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
100%
$0
80%
$0
$155 (Part B Deductible)
20%
$0
$0
$0OTHER BENEFITS – NOT COVERED BY MEDICARE
FOREIGN TRAVEL – NOT COVERED BY MEDICAREMedically necessary emergency care services beginning during the first 60 days of each trip outside the USAFirst $250 each calendar yearRemainder of charges
$0$0
$080% to a lifetime maximum benefit of $50,000.
$25020% and amounts over the $50,000 lifetime maximum
MSA OC 10 IN Page 39
PLAN DMEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS PLAN D PAYS YOU PAYHOSPITALIZATION*Semi-private room and board, general nursing and miscellaneous services and supplies:First 60 days61st - 90th day91st day and after:- While using 60 lifetime reserve days- Once lifetime reserve days are used:- Additional 365 days
- Beyond the additional 365 days
All but $1,100All but $275 a day
All but $550 a day
$0
$0
$1,100 (Part A Deductible)$275 a day
$550 a day
100% of Medicare Eligible Expenses$0
$0$0
$0
$0**
All costsSKILLED NURSING FACILITY CARE*You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:First 20 days21st - 100th day101st day and after
All approved amountsAll but $137.50 a day$0
$0Up to $137.50 a day$0
$0$0All costs
BLOODFirst 3 pintsAdditional amounts
$0100%
3 pints$0
$0$0
HOSPICE CAREAvailable as long as your doctor certifies that you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, we stand in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
MSA OC 10 IN Page 40
PLAN DMEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
* Once you have been billed $155 of Medicare Approved Amounts for covered services (which are noted with an asterisk), your Part B Deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS PLAN D PAYS YOU PAYMEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:First $155 of Medicare Approved Amounts*Remainder of MedicareApproved Amounts
$0
Generally 80%
$0
Generally 20%
$155 (Part B Deductible)
$0Part B Excess Charges (Above Medicare Approved Amounts) $0 $0 All costsBLOODFirst 3 pintsNext $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
$0
80%
All costs
$0
20%
$0
$155 (Part B Deductible)
$0CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
MSA OC 10 IN Page 41
PLAN DMEDICARE (PARTS A & B)
SERVICES MEDICARE PAYS PLAN D PAYS YOU PAYHOME HEALTH CAREMEDICARE APPROVED SERVICES- Medically necessary skilled care services and medical supplies- Durable medical equipmentFirst $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
AT-HOME RECOVERY SERVICES – NOT COVERED BY MEDICAREHome care certified by your doctor, for personal care during recovery from an injury or sickness for which Medicare approved a Home Care Treatment Plan- Benefit for each visit
- Number of visits covered (Must be received within 8 weeks of last Medicare Approved visit)
- Calendar year maximum
100%
$0
80%
$0
$0
$0
$0
$0
20%
Actual charges to $40 a visit
Up to the number of Medicare Approved visits, not to exceed 7 each week.$1,600
$0
$155 (Part B Deductible)
$0
Balance
OTHER BENEFITS – NOT COVERED BY MEDICARE
FOREIGN TRAVEL – NOT COVERED BY MEDICAREMedically necessary emergency care services beginning during the first 60 days of each trip outside the USAFirst $250 each calendar yearRemainder of charges
$0$0
$080% to a lifetime maximum benefit of $50,000
$25020% and amounts over the $50,000 lifetime maximum
MSA OC 10 IN Page 42
PLAN FMEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS PLAN F PAYS YOU PAYHOSPITALIZATION*Semi-private room and board, general nursing and miscellaneous services and supplies:First 60 days61st - 90th day91st day and after:- While using 60 lifetime reserve days- Once lifetime reserve days are used:- Additional 365 days
- Beyond the additional 365 days
All but $1,100All but $275 a day
All but $550 a day
$0
$0
$1,100 (Part A Deductible)$275 a day
$550 a day
100% of Medicare Eligible Expenses$0
$0$0
$0
$0**
All costsSKILLED NURSING FACILITY CARE*You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:First 20 days21st - 100th day101st day and after
All approved amountsAll but $137.50 a day$0
$0Up to $137.50 a day$0
$0$0All costs
BLOODFirst 3 pintsAdditional amounts
$0100%
3 pints$0
$0$0
HOSPICE CAREAvailable as long as your doctor certifies that you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, we stand in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
MSA OC 10 IN Page 43
PLAN FMEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
* Once you have been billed $155 of Medicare Approved Amounts for covered services (which are noted with an asterisk), your Part B Deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS PLAN F PAYS YOU PAYMEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:First $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
Generally 80%
$155 (Part B Deductible)
Generally 20%
$0
$0Part B Excess Charges (Above Medicare Approved Amounts) $0 100% $0BLOODFirst 3 pintsNext $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
$0
80%
All costs
$155 (Part B Deductible)
20%
$0
$0
$0CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
MEDICARE (PARTS A & B)HOME HEALTH CAREMEDICARE APPROVED SERVICES- Medically necessary skilled care services and medical supplies- Durable medical equipmentFirst $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
100%
$0
80%
$0
$155 (Part B Deductible)
20%
$0
$0
$0OTHER BENEFITS – NOT COVERED BY MEDICARE
FOREIGN TRAVEL – NOT COVERED BY MEDICAREMedically necessary emergency care services beginning during the first 60 days of each trip outside the USAFirst $250 each calendar yearRemainder of charges
$0$0
$080% to a lifetime maximum benefit of $50,000
$25020% and amounts over the $50,000 lifetime maximum
MSA OC 10 IN Page 44
PLAN GMEDICARE (PART A) – HOSPITAL SERVICES – PER BENEFIT PERIOD
* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
SERVICES MEDICARE PAYS PLAN G PAYS YOU PAYHOSPITALIZATION*Semi-private room and board, general nursing and miscellaneous services and supplies:First 60 days61st - 90th day91st day and after:- While using 60 lifetime reserve days- Once lifetime reserve days are used:- Additional 365 days
- Beyond the additional 365 days
All but $1,100All but $275 a day
All but $550 a day
$0
$0
$1,100 (Part A Deductible)$275 a day
$550 a day
100% of Medicare Eligible Expenses$0
$0$0
$0
$0**
All costsSKILLED NURSING FACILITY CARE*You must meet Medicare’s requirements, including having been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days after leaving the hospital:First 20 days21st - 100th day101st day and after
All approved amountsAll but $137.50 a day$0
$0Up to $137.50 a day$0
$0$0All costs
BLOODFirst 3 pintsAdditional amounts
$0100%
3 pints$0
$0$0
HOSPICE CAREAvailable as long as your doctor certifies that you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance
**NOTICE: When your Medicare Part A hospital benefits are exhausted, we stand in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
MSA OC 10 IN Page 45
PLAN GMEDICARE (PART B) – MEDICAL SERVICES – PER CALENDAR YEAR
* Once you have been billed $155 of Medicare Approved Amounts for covered services (which are noted with an asterisk), your Part B Deductible will have been met for the calendar year.
SERVICES MEDICARE PAYS PLAN G PAYS YOU PAYMEDICAL EXPENSES – IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment:First $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
Generally 80%
$0
Generally 20%
$155 (Part B Deductible)
$0Part B Excess Charges (Above Medicare Approved Amounts) $0 80% 20%BLOODFirst 3 pintsNext $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
$0
$0
80%
All costs
$0
20%
$0
$155 (Part B Deductible)
$0CLINICAL LABORATORY SERVICES – TESTS FOR DIAGNOSTIC SERVICES 100% $0 $0
MSA OC 10 IN Page 46
PLAN GMEDICARE (PARTS A & B)
SERVICES MEDICARE PAYS PLAN G PAYS YOU PAYHOME HEALTH CAREMEDICARE APPROVED SERVICES- Medically necessary skilled care services and medical supplies- Durable medical equipmentFirst $155 of Medicare Approved Amounts*Remainder of Medicare Approved Amounts
AT-HOME RECOVERY SERVICES – NOT COVERED BY MEDICAREHome care certified by your doctor, for personal care during recovery from an injury or sickness for which Medicare approved a Home Care Treatment Plan- Benefit for each visit
- Number of visits covered (Must be received within 8 weeks of last Medicare Approved visit)
- Calendar year maximum
100%
$0
80%
$0
$0
$0
$0
$0
20%
Actual charges to $40 a visit
Up to the number of Medicare Approved visits, not to exceed 7 each week.$1,600
$0
$155 (Part B Deductible)
$0
Balance
OTHER BENEFITS – NOT COVERED BY MEDICARE
FOREIGN TRAVEL – NOT COVERED BY MEDICAREMedically necessary emergency care services beginning during the first 60 days of each trip outside the USAFirst $250 each calendar yearRemainder of charges
$0$0
$080% to a lifetime maximum benefit of $50,000
$25020% and amounts over the $50,000 lifetime maximum
MSA OC 10 IN Page 47