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Read your Medicare Supplement Plan Policy very carefully

This website is only an outline describing your Medicare Supplement Plan Policy’s most important features. The Policy is your contract. You must read the Policy itself to understand all of the rights and duties of both you and HNL.

Thirty-day right to return the Medicare Supplement Plan Policy

If you find you are not satisfied with your Medicare Supplement Plan Policy, you may return it to HNL Medicare Supplement Plan at:

PO Box 2020
Farmington, MO 63640-9933
Attn.: Membership Accounting

If you send the Medicare Supplement Plan Policy back to us within 30 days after you receive it, we will treat the Contract as if it had never been issued and return all of your payments, less any payments made on claims.


This Policy may not fully cover all your medical costs. Neither HNL nor any of its agents are connected with Medicare. The Outline of Coverage does not give all the details of Medicare coverage. Contact your local Social Security offce or consult the Medicare Handbook for more details. For additional information concerning Policy benefits, contact the Health Insurance Counseling and Advocacy Program (HICAP) or your agent. Call the HICAP toll-free telephone number, 1-800-434-0222, for a referral to your local HICAP offce. HICAP is a service provided free of charge by the State of California.

Complete answers are very important

You do not need to answer questions about your medical and health history if you are applying for coverage during an open enrollment or guaranteed issue period.

When you fill out the application for an HNL Medicare Supplement plan, be sure to truthfully and completely answer all questions about your medical and health history. HNL may have the right to cancel your Medicare Supplement Plan Policy and refuse to pay any claims if you leave out or falsify important medical information. Review the application carefully before you sign it. Be certain that all information has been properly recorded.