AGENTS MARKETING GUIDE

I. Marketing Information

II. Submitting Applications

III. Cancellation Guidelines

IV. Adding Small or Large Groups

V. Pre-Existing Waiting Periods

I. MARKETING INFORMATION

1) Kids under 18 : Can not be written alone as individuals.

2) Kids can be added : And remain on policy through the end of the calendar year of their 25th birthday, whether they go to college or not. People on disability who are dependents of parents may be added past the age of 26. SafeGuard requires a letter from the Doctor stating the adult is a dependent.

3) Spouse : Does not need to be married to the applicant

to be included. A live-in fiancé or boyfriend or girlfriend can serve as spouse. Same-sex couples can also apply as a couple.

Both the spouse or any dependents must each select a Primary Dentist as well as an Alternate Dentist. (Applicant and dependents may select the same dentist for the entire family or each individual may select a dentist of their choice.)

4) Out of State Emergencies:

a. For out-of-state emergencies please

be sure to read the Emergency

Dental Services section of your

Schedule of Benefits book.

b. SafeGuard will reinburse $50 for

pain medication. Applicant will need

to return to state they enrolled in for

treatment

5) Specialist:a. Your Primary Dentist will refer you. Or you

can call SafeGuard and they will give you a specialist name and number to contact.

b. You will receive a 25% discount when seen by a specialist.

6) To Change To Another Dentist : To change Dentist, order new I.D Card or to Speak to Customer Service Rep, Call 1-800-880-1800 and enter your S.S. Number

or Dental I.D. Number.

7) Met Life / SafeGuard Cards: They are received from Met Life / SafeGuard within 3 to 4 weeks after the application has been submitted.

8) Caremark Cards : (Rx Savings Plus) They are received from Caremark within 2 weeks after the application has been submitted. Check web site for more information on Drug Card.

9) Vision Cards: (Coast to Coast Vision) They are received from Coast To Coast Vision within 2 weeks after the application has been submitted. Check web site for more

information on Vision Benefits.

10) Second Opinions:

Please have the client call Met Life /

SafeGuard and they will make the

arrangements. Call 1-800-880-1800.

11) Agent Management Contracts:

Management Contracts are only available

for agencies who have agents working for

them. You must speak to Sherri Paules,

General Manager or Tom Lane.

12) Product Availability:

The dental product is available in Florida,

Texas & California only.

13) Agent Appeal:Agents pay no licensing fee.b. Agents can download the Application, Co- Pays, and Provider List for their client and write the application on the same day, they then will scan and email or fax the application and first month’s premium, along with the $55.00 One-time Enrollment Fee to the address at the bottom of the Membership Application. (When paying by check, it is only necessary for the Client to write one check with the total amount of Premium and Group Enrollment Fee.)c. Customized agent link available for your website or email.

14) Supplies:a. Supply requests can be emailed to nafmd@nafmd.com. The standard order is 3 Benefit Books and 3 White Provider Books. Updated Provider Lists can be downloaded and printed off the web site every month for your area.

b. Met Life / Safeguard mails a Letter of Welcome with the name of the Dentist the client selected and an Identification Card for the client to carry with them.

II. SUBMITTING APPLICATIONS:

1) Adding dependent after policy has been written:

Can be done by calling Healthcare

National Marketing at: 727-846-7164 or

1-800-396-7683.

Do Not Call SafeGuard.

2) Policy Effective Dates :a. Effective dates are always the first of the next month.

b. Applications MUST be submitted by on the last Tuesday of each month.

c. An effective date does not mean a dentist appointment can be scheduled immediately. We have no control over when the dentist office will make your client an appointment.

d. Clients are to give SafeGuard upto 7 days to send their name to the dentist office before calling to make an appointment.

3) Submitting Applications:a) Application can be mailed, faxed or submitted online with check or credit/debit card information.b. Scan and email to nafmd100@gmail.comc. Fax application to 727-816-9057 *Banking information should be on the application at time of scan and email, or fax. When we receive the application, the account will be drafted the same day for both the First Month’s Premium and the Group Enrollment Fee. Additional drafts will occur on the 1st or 5th and 15th of the following month. (Client’s choice)

4) Drafts:

Drafts for the premium and membership fee

are done on the same day application is

received in the office. Draft dates are the

1st & 10th of each month. Drafts will always

be set up for the 1st unless otherwise marked

on application.

5) If the Payer is different than the Applicant :

The Payer must sign beneath the signature

of the applicant so that Healthcare National Marketing will have authorization on file to draft the premium out of the Payer’s account.

6) These Modes of Payment Only:

a. Bank Draft/Checking or Savings

b. Monthly / Annual Payment

c. Credit Or Debit: Visa, Master Card,

Discover, American Express

d. Sign up online www.nafmd.com

To help keep our premium “Cost Effective”

please always ask the customer for

Banking Information (i.e. Routing Number

and Account Number). The cost to process

a bank account is much less than

processing a credit card / debit card.

Thank you

*Applicants who are hesitant to have their bank accounts drafted may contact their current bank to take out another checking account (checking accounts are free today) and stipulate the new account as their draft account for their dental benefits and deposit their monthly premium into that account. (The reason we only accept two types of payments is because the cost for monthly billing would entail a $10.00 to $15.00 administration fee and our goal is to make this program as cost efficient as possible.)

Any application we receive will be

mailed a Benefits Booklet, Welcome

Letter and Important Read Instruction

Sheet. Agents no longer need to leave

the client a Benefit Book and Important Read form.

III. CANCELLATION GUIDELINES:

1) Cancellations:

A letter requesting cancellation may be

sent to Healthcare National Marketing or they are to call Healthcare National Marketing to request cancellation, followed by a letter.

DO NOT CALL SAFEGUARD TO

CANCEL POLICY.

2) When people cancel, what happens ?:

a. No client ever leaves unhappy. We

give the family the CareMark Drug

Card to take with them for as long as

they need it.

b. Request for cancellations MUST be

received by our office no later than

the last Wednesday of each month.

Any request of cancellation after the last

Wednesday will be cancelled the 1st of the

next month.

IV. ADDING SMALL OR LARGE GROUPS:

1) Group Coverage:

a. With 5 or more members, they will

be list billed each month. The owner

will pay the $55.00 enrollment fee

and each employee will pay a $20

enrollment Fee. If the employee

leaves they can take the dental

insurance with them.

UNITING SMALL BUSINESSES WITH LARGE GROUP BUYING POWER

National Association for Medical and Dental, A Non Profit Organization

NAFMD

Healthcare National Marketing, Inc.

4613 U.S Hwy 19

New Port Richey, Fl 34652

Phone: (727)-846-7164 Fax: (727)-816-9057 Web: www.nafmd.com

Group Dental Benefits Form

Company: _____________________________________________________________________________________

Address: ______________________________________________________________________________________

City: _________________________________________________Zip:_____________________________________

Telephone: ___________________________________Fax:_____________________________________________

Contact Person: ________________________________________________________________________________

Owners Name: ____________________________Owners Signature: _____________________________________

Date: ____________________________________Total number of Employee’s:_______________

NAME STATUS PRICE NAME STATUS PRICE

Owner pays $55.00 Enrollment Fee . Each employee pays $20.00 Enrollment Fee

NA245D Individual (1) $39.95 Individual + One (2) $ 57.95 Individual + Family $ 79.95

Bank Name ________________ Routing Number_______________ Account Number________________

12.

13.

14.

15.

16.

17.

18.

19.

20.

One Time Enrollment fee per application $ 55.00

SGX245 Individual (1) $39.95 Individual + One (2) $ 57.95 Individual + Family $ 79.95

Bank Name ________________ Routing Number_______________ Account Number________________

V. PRE-EXISTING WAITING PERIODS:

• The NA245D has no pre-existing

waiting periods. However if your client

has already agreed to start some dental

treatment they need to complete that

treatment first.

IMPORTANT READPLEASE READ!!

Thank you for requesting information about one of the best Dental Plans available.

SafeGuard Dental Insurance Company, a 34-year oldCompany with 1.8 million members, is a Met Life company and a very stable company.

With the high cost of dental work, many are choosing toneglect the care of their teeth to the detriment of their ownphysical health. (Good dental hygiene can add 15 years toA life.)

USING YOUR DENTAL PLAN FOR THE FIRST TIME

I. Your Dental Plan becomes effective on the first of each month .A) A roster listing all the new members is emailed, faxed, or mailed to the dentist office on the first of each month.B) Most of these offices assimilate this report into their system two or three days after the first of the month.C) You should receive your Dental Card about four

weeks after your application is processed.

Even if you haven't received your Dental

Card, you may call the dentist office seven

business days after the first of the month

and tell them 4 things:

1. You are with SafeGuard

2. Your name

3. Your social security number

4. Your Group Plan name, which is

NA245D

II. Seeing Your Dentist For The First Time

a. Call and make an appointment

b. Give them your name and number from your

card; if you do not have your card yet, you

may give your social security number.

c. Ask if you are on the Roster. (Roster is sent

to the dentist on the first of each month.)

d. Tell the dentist's office that your SafeGuard

Dental Plan name is NA245D.

III. Your First Visit:

A) The dentist will take x-rays and do a

full mouth examination.

B) The staff will give you a proposal of

what the dentist has determined that

you need to have done.

C) On the Proposal Sheet, you should

receive a Code for each item with a

price.

D) Carry your NA245D Code Book with you to the dentist office and check the prices. If the prices do not match up with the codes in your book, politely ask if they could please explain the difference.

E) If they make a mistake and forget to add a code for a certain procedure, ask them for the code.

F) If a staff member should ever tell you that you have a discount plan and not a co-pay plan, I would strongly suggest that you call SafeGuard at the 800 number listed on your card, and request a change of dentist. (THIS IS NOT A DISCOUNT PLAN.)

IV. SpecialistA) Your Primary Dentist will refer you. Or, you can call SafeGuard and they will give you a specialist name and number to contact.B) You will receive a 25% discount when seen by a in-network specialist. C) You may be able to see a specialist of your choice if they are willing to honor a 25% discount.

Happy smiles as you take advantage ofone of the best Dental Plans on the market.

Healthcare National’Solemn Promise to Agents

1) Agent’s Applications Client information that is submitted to Healthcare National Marketing for processing of membership in NAFMD is protected and is not sold or solicited for any other

purpose.2) Agent’s clients are serviced and treated with the highest respect.3) Should an Agent’s client ever decide to cancel the NAFMD membership, every effort will be

made to determine “Why?” If there is a problem, we try to resolve their problem. If we cannot find a resolution, we do cancel.4) If and when an Agent’s client does cancel, Healthcare National Marketing service personnel

make every effort to see to it that your client leaves on good terms: (a) We tell them that the drug card through Caremark is theirs to keep for as long as they need it, at no cost. (b) Should they decide to return within one year, the one–time group membership fee would be waived.

Our experience has been that for those who have cancelled (financial reasons, moving, etc.), they have left happy.

__________________________________ Tom Lane President Healthcare National Mkt., Inc

Agent Marketing Guide Adendum

ProvidersHas to be an In-Network Dentist Only. The client cannot go to any dentist.

Always start searching within a 25 mile radius. Then go to 50 - 75 mile radius

If the dentist office is 50 – 75 miles away, you must inform the client.

Please give the client the dentist name, address and phone number.

Effective Date The dental insurance always goes into effect the first of the following month.

Please tell the client to wait until the second week of their first month to call

the dentist to make and appointment. This will ensure enough time for the

dentist office to receive what they need from Met Life / SafeGuard to verify

your client’s eligibility.

Co-PaysApply to work done by a General Dentist only.

SpecialistYour client will receive a 25% discount off usual and customary fees for

service done by a specialist.

6 Month ContractThis dental insurance has a 6 month contract. Where a person signs their

name they will acknowledge they understand they are understand they are

committing to 6 months of group membership (which is how they have

access to a group dental insurance plan.)

Dental Codes and Co-Pay Booklets* Our office will mail every client you enroll a Benefit Booklet. We refer to this

book as the “Dental Bible”. Please tell your client to not go to the dentist

office without it.

* Always advise the client to take the booklet with them to the dentist office to

verify the dentist office is using the dental plan properly. When the

client has the booklet the dentist office does not know that the client knows

exactly what they are to be paying for the procedures performed in the

general dentist office.

* After the client has taken a few minutes to verify the codes and co-pays in

the booklet if for some reason there is a discrepancy the client can take the

book to the counter, tell the office staff that a certain price appears to be

wrong and show them the co-pay booklet. This will reveal to them that your

client knows what the co-pays should be.

Verification CallOur office conducts verification calls to ensure all information on the

application is correct.

Cancellation After 6 MonthsThe client must call our office at 1-800-396-7683 to cancel their NAFMD

membership. They must submit their request for cancellation in writing.

Do Not Call Met Life / SafeGuard

Cut Off DatesFor New Business the cut off is the last Tuesday of each month.

This will ensure that the new clients name will appear on the roster the first of

the following month.

For Cancellation the cut off is the last Wednesday of each month.

This will allow enough time to cancel a policy so we do not draft their account

the following month.

Most Asked QuestionsFillings:

All Silver (Front and Back) are FREE. The White (resin composite) are Free on

the front but have a very small co-pay on the back teeth (molar).

Crowns:

There is a $245 co-pay plus a lab fee of $150. For a crown on a molar there

is an additional $75 lab fee. The total fees are $395 for a crown on the fron

teeth and $470 for a crown on a molar.

Veneers:

There is a co-pay plus lab fee. Ask dentist for a lab fee charge.

Removable Prosthodontics (Partials and Dentures):

There is a co-pay plus lab fee. Ask dentist fo the lab fee charge.

* Bleaching: This benefit s for the arch and gel method of bleaching. After

getting the custom fitted arches the client can bleach their teeth at home.

* Extractions: Simple non-surgical $5 co-pay. Simple surgical $30 co-pay when

done by a general dentist.

* Providers: Can I go to any dentist I want? No, you must go to an In-Network

Met Life / SafeGuard dentist.

Healthcare National Marketing, Inc.

SIX MONTH AGREEMENT

Each person who becomes a member of the National Association for Medical and Dental is

eligible to take advantage of the Dental Plan underwritten by SafeGuard, A Met Life

Company, a Discount Drug Card through CareMark, who is owned by CVS and a Discount

Vision Card through Coast To Coast. Since these programs have No waiting periods and

No dollar limits your group membership comes with a six month agreement.

The six month agreement begins when these programs go into effect.

** If you ever have any questions regarding your claims please contact our office, your

group administrators at 1-800-396-7683.

** If you need a new Dental Card or want to change your dentist office then you will need to

contact SafeGuard / Met Life directly at 1-800-880-1800.

4613 US Hwy 19 New Port Richey, FL 34652

nafmd@nafmd.com / www.nafmd.com