Insta-Care SM - (April 1, 2010 through March 31, 2011.)

Benefits (Plan Highlights) Monthly Rates (April 1, 2010 through March 31, 2011.) Whether you’re in between jobs, just out of school, or waiting for your new employer’s group coverage to take effect, Insta-Care can take a load off your mind by providing quick, comprehensive health care coverage that bridges the gap. Looking for an alternative to COBRA? Continuing coverage through a former employer (called COBRA) is expensive and may not be your only option. Insta-Care contract rates are surprisingly affordable and may be a better choice for you unless you need care for a preexisting condition. Minnesota state law lets you have 365 days of short-term coverage in any 555-day period, so you can renew your Insta-Care coverage if you need it for longer than your initial coverage period.

It’s fast, easy and flexible No application fee No need to provide a health history Coverage starts the day we receive your application, in most cases See the doctors you prefer — without a referral Our large network contains 97 percent of Minnesota doctors and hospitals, which makes it easier for you to get the highest level of benefit Outstanding coverage includes: • Physician and surgeon services • Emergency room care • Prescription drugs and medical supplies • Ambulance services • Inpatient hospital services • Lab and X-ray services • Occupational, physical and speech therapy Well-child doctor visits to age 6 are covered at 100 percent (whether or not you’ve met your deductible) Choose from three deductibles to fit your budget Choose coverage for 30, 60 or 90 days

Who can apply for Insta-Care? You and your family are eligible to apply for Insta-Care unless any of these conditions apply: You are a foreign citizen and don’t have an alien registration card You’ve been turned down for coverage by any health plan company You are currently confined to a hospital or other care facility You are pregnant You plan to add any dependents to this coverage by birth or adoption You are eligible for other health care coverage or insurance (except COBRA) You live outside of Minnesota Insta-Care does not cover children younger than 90 days old. If a contract is issued to someone who is ineligible, it will be void and any payment will be refunded. How Insta-Care works It’s simple. You pay for your medical expenses until you reach the deductible you’ve selected. After that, Insta-Care pays 80 percent of eligible expenses and you pay 20 percent, until you reach your out-of-pocket maximum. Then, Insta-Care pays 100 percent of eligible expenses

Notice concerning policyholders’ rights in an insolvency under the Minnesota Life and Health Insurance Guaranty Association Law