IMPORTANT NOTICES AND DISCLAIMERS

• DO NOT CANCEL ANY HEALTH INSURANCE COVERAGE YOU CURRENTLY HAVE OR DECLINE COBRA BENEFITS UNTIL YOU RECEIVE AN APPROVAL LETTER AND INSURANCE POLICY, (ALSO KNOWN AS AN INSURANCE CONTRACT OR CERTIFICATE), FROM THE INSURANCE COMPANY YOU SELECTED. MAKE SURE YOU UNDERSTAND AND AGREE WITH THE TERMS OF THE INSURANCE POLICY. PAY SPECIAL ATTENTION TO THE EFFECTIVE DATE, PREMIUM AMOUNT, WAITING PERIOD, BENEFITS, LIMITATIONS, EXCLUSIONS, AND RIDERS.

• The feature icons displayed are a summary for informational purposes only. Review the evidence of coverage and insurance policy (plan contract) for a detailed description of coverage benefits, limitations, and exclusions.

• The quotes or rates shown above are estimates only. Your premium is subject to change based on your medical history(pursuant to state law of residence), the underwriting practices of the insurance company, the optional benefits you selected, if any, and other relevant factors, such as changes in rates which take effect before your requested effective date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.

• The quotes or rates shown above are for your requested effective date ONLY. If the actual effective date of your policy is different from the requested effective date, the actual premium of your policy may differ from the quote or rate above. The change in amount may be due to premium increases or policy changes from the insurance company and/or one or more family members having a birthday. (Rates are highly dependent on age.) The carrier you selected may not guarantee their rates for any period of time.

• Carriers cannot guarantee the availability of a provider (or providers), and may add, delete or change a participating provider (or providers) at any time without prior notice to you. Please contact your chosen carrier for updated information before using the services of any provider.

• The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.

• Some insurance companies may require dependent children to apply separately when they reach a specific age. Age limits for dependents vary by insurance company and state mandates. Some companies may not extend the age limit for dependents even if they are full-time students at an accredited college or university.

• Each insurance carrier may have unique Notices, Disclaimers, and Fees.

• The Monthly Cost amounts shown are subject to change at any time. Insurance companies reserve the right to change the terms of a policy upon proper notification.