CSCM-128523485

RATE FILING SUMMARY

Washington National Insurance Company, Individual Medicare Supplement - Standard Plans 2010

Company is proposing a rate increase of 15% for all plans.

Washington National Insurance Company – Plain Language Summary
2012 Standardized Medicare Supplement Rate Revision and Annual Loss Ratio Filing
Medicare Supplement Rates Changing in 2012
Washington National Insurance Company regularly reviews the experience of its Medicare
supplement business to ensure it will be able to honor its commitment to pay claims. Primary
factors impacting premium rates are the rising cost of healthcare and impact of claims
experience.   
Based on the actual and projected Medicare supplement experience, a premium increase is
necessary to bring projected future claims, relative to projected premiums, in line with the
target relationships approved by the Vermont Department of Insurance.   
The company has requested an overall premium increase of 15.0%.  Claims experience has been
much higher than expected, requiring this increase. The proposed rate increases by plan and
form are shown in the table below.
The proposed increases have been filed with and will be reviewed by the Vermont Department
of Insurance. This filing complies with the laws and regulations of the State of Vermont and will
not be implemented until approved by the Department of Insurance.
Plan Letter Form Name(s) Rate Increase
A IMP‐9500, WNIC‐1004 15.0%
B IMP‐1500, IMP‐9500 15.0%
C IMP‐1500, IMP‐9500 15.0%
D IMP‐1500, IMP‐9500 15.0%
E IMP‐1500, IMP‐9500 15.0%
F WNIC‐1004 15.0%

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