Access to Health Care

Asset Protection

• 1st Dollar Benefit

• Up To $3 Million Lifetime Maximum

• Wellness / Rx

• Lower Stable Premium / EZ Underwriting

• Deductible / Co-Insurance

• Unlimited Benefit

• Wellness / Rx

• Higher Premium / Healthy

Health Access Fixed Benefit

Health Insurance

Major MedicalHealth Insurance

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E-mail Product Video link: http://www.assuranthealthtraining.com/agenttraining/media/HealthAccess/player.html

Founded in 1892, Assurant Health serves approximately 1.1 million people throughout the United States.

Assurant Health writes individual and short-term health insurance and small employer group health insurance to employer groups primarily of two to 50 employees. The company also offers health insurance plans to full-time college students.

Assurant Health offers a diverse portfolio of products and services to both individuals and groups.

•Individual Health Insurance•Employer Small Group Health Insurance•Health Savings Accounts•Short-Term Health Insurance•International Health Insurance•Prescription, Dental-Vision Plans

A.M. Best"A-" (Excellent)Moody’s"A3" (Good)Standard & Poor’s"A-" (Strong)

About Assurant

Serving

Products & Services

Company Ratings

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Having an affordable, meaningful health insurance plan

Having less underwriting hurdles to jump

Having first-dollar benefits in all venues (DOC, ER, Hosp)

Gaining access to medical system with recognized ID card

Having network discounts so they don’t pay full retail

Shopping for dependent coverage

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Aetna Signature Administrators national PPO network is one of the country's largest networks, with more than one million providers and 7,500 hospitals. Check providers: www.aetna.com/asa

Just $65 per visit including labs! For office visits, use your doctor or save time and money by using a neighborhood CVS Minute Clinic (Dallas, Austin, Houston areas)

Walgreens TakeCare Clinic (Houston area), & HEB RediClinic (Houston, Austin, San Antonio areas). Some diagnostic testing for blood pressure, cholesterolhttp://www.minuteclinic.com/locations/http://www.takecarehealth.com/locations.aspxhttps://www.heb.com/pharmacy/rediclinics.jsp

$10 generic, $35 towards brand name. Save an average of 30-40% on prescriptions with Medco. For customers with pre-existing health medication requirements, use Rx-Estore for prescriptions and waive the 12 mo. wait period.

Website: Click Here Website: Click Here

Phone: 800-971-6972

Aetna PPO

Retail Health Clinics

Prescription Medco® & RxEstore

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Now there’s an Advocate to help you navigate the healthcare system.

Your Patient Care Advocate can gather cost and quality data for the doctors and hospitals you want to use, and help you understand why this information is important. That way you make an informed decision about which doctor and hospital to choose, knowing your healthcare costs up front – before you go to the doctor or have a procedure.

Your Patient Care Advocate will:• Gather specific cost and quality data for the doctors and hospitals• Explain how your health insurance benefits work• Research and help you work through any claims or medical billing issues• Find a doctor or hospital in your network• Assist with scheduling appointments when you’re having difficulty• Guide you in talking with your doctor about your benefits

E-mail PatientCare Video:

http://www.assuranthealthtraining.com/agenttraining/media/PatientCare/player.html

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Health Payment Advocates (HPA) Capabilities:

• Negotiations to reduce amount owed by policyholder • Establish payment plan to ease financial burden

•Review final bill for accuracy of charges (including verifying PPO discounts, questionable charges)

•Identify charitable or financial assistance programs

•24-hour Nurse Helpline for health, illness, and medication.

Health Payment Advocates Process:

Brochure:Click Here

Call:800-992-8044

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1) PatientCare:

• Plan ahead (when you can) for routine or non-emergency care• Use Patient Care to recommend a high-quality doctor and facility that cost you the least

2) Health Access Benefits:

• Receive eligible services/treatment No claim forms when client assigns benefits• Have us pay your providers directly (no payment at time of service!)• Receive negotiated network discounts even if exceed plan limits

4) Health Payment Advocates (HPA):

• Receive eligible services/treatment • Use professional negotiators at HPA to reduce any outstanding bills or set up a payment plan

3) Supplemental Insurance Benefits:

• Receive benefits from your supplemental critical illness and accident.• These benefits are paid directly to you or assigned to your providers.

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E-mail Product Video link:

http://www.assuranthealthtraining.com/agenttraining/media/VMAccident/player.html

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E-Mail Product Video Link: http://www.assuranthealthtraining.com/agenttraining/media/CriticalIllness/player.html

Everyday Costs

• Mortgage/rent

• Car payments

• Utilities

• Food

Medical Costs

•Deductibles and coinsurance

•Out-of-network costs

•Experimental treatments

Unforeseen Costs

• Lost income

• Travel to hospitals

• Home adaptations

• Home health care

Critical Illness benefits can help cover:

• Provides a one-time lump sum payment of up to $100,000 upon diagnosis of listed life threatening conditions

• Covered Conditions 100% benefit:– Cancer (~invasive)– Heart Attack– Stroke– Kidney Failure– Major Organ Transplant– Burns

• Covered Conditions 25% benefit– Coronary Artery Bypass– Advanced Alzheimer’s– Cancer (in-situ)– Heart Valve Surgery

• Funds pay in addition to any coverage in place, including health insurance• Policy term 10 or 20 years• Policy terminates at the earliest of: Policy term, Age 65, the CI benefits expire,

the full life face amount is paid• Add-ons: Spouse coverage — same amount as policyholder, No dependent

coverage, Waiver of Premium, Accidental Death Benefit

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Not only income while you are out of work, critical illness pays bills too!

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E-mail Product Video link: http://www.assuranthealthtraining.com/agenttraining/media/VMDental/player.html 21

Preventive services must be separated by 150 days– Includes cleanings, x-rays, fluoride and sealants– Benefits are available immediately– Pays $75 or $100 per visit (insured liable for balance)

Basic services– Includes fillings and tooth extractions– Payments are 50% of the benefit for the first policy year

Major services (Plus Plan Only)– Includes crowns, root canals, periodontics and oral surgery– Only available on level-three plan– Payments are 50% of the benefit for the first policy year– 180 day wait

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Single Intermediate ‘integrated’ Dental = $15.90/month or $190/yr

Preventive benefits; cleanings and x-rays no waiting period

2 x $100 benefit = $200/yr (you would receive this every year)

A diligent dental care user, can receive $1,200 annual benefit for:

Actual Cost = -$9.20 per year!

Single Plus ‘integrated’ Dental (41-50) = $30.60/month or $367/yr

Preventive benefits; cleanings and x-rays no waiting period

2 x $100 benefit = $200/yr (you would

A diligent dental care user, can receive $1,700 annual benefit for:

Actual Cost = $13.93 month!

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Lets Discuss the Cost of Ownership & Get You Approved

Data Collection Sheet 24