MUTA-128620397

RATE FILING REVIEW

Mutual of Omaha Insurance Company, Individual Medicare Supplement - Standard Plans 2010.
Proposed Change:  the company is proposing a 12% increase on all plans excepting Plan B, which would have no change to its rates.

RATE INCREASE JUSTIFICATION
PLAIN LANGUAGE SUMMARY
COMPANY:   Mutual of Omaha Insurance Company
RATE SUBMISSION: 2012 Standardized and Modernized Medicare Supplement
Rate Revision and Annual Loss Ratio Filing
DATE:   August 9, 2012
Policy Forms:

• Plan A - M181, MM20 
• Plan B - M244, MM21 
• Plan C - M182, MM22 
• Plan D - M278, MM23 
• Plan F - M183, MM24 
• Plan G – MM25 
• Plan H - M249, Rider 0LG4M

Mutual of Omaha regularly reviews the experience of its Medicare supplement business
to ensure it will honor its promise to pay future claims. Primary factors impacting product
performance are medical cost trends and the number of people filing Medicare
supplement claims. 
Based on the actual and projected Medicare supplement experience, the proposed
premium increase is necessary to bring anticipated future claims in line with the target
loss ratios approved by the Vermont Department of Insurance. 
The company has requested an overall premium increase of 11.7% on the 1990
standardized Medicare supplement block and 12.0% on the 2010 modernized plans block.
Specifically, the proposed increases are:

• 12.0% for Plans A, C, D, F, G, and H
• No change for Plan B

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 the Department of Insurance approves
them.

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