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This communication provides a general description of certain identified insurance or non-insurance benefits provided under one or more of our health benefit plans. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, refer to the plan document or call or medicare agent write your Humana insurance agent or the company. In the event of any disagreement between this communication and the plan document, the plan document will control. Working with an independent Medicare insurance agent means you get to choose policy options from different companies. Independent agents and brokers are more likely to give unbiased plan recommendations and advice. This gives you a better chance of having your materials on hand by early October, so you can hit the ground running when open enrollment begins. ‌Analyze the vision, hearing, and dental benefits and determine how the