Assurant Health Core Product Portfolio

Advantage Agent

Individual MedicalPlans in our portfolio

• MaxPlan• CoreMed• RightStart• One Deductible• SaveRight• Affordable Health Access

*Limited Benefit Plan

Special Features• Patient Care• *TelaDoc• Healthy Discount• *One Decreasing Deductible• Suite Solutions

*available with select plans

Advantage Agent

Quality is the FrameworkAll major medical plans in the Assurant Health portfolio begin with a quality framework of: Security. Convenience. Cost savings.

All plans include:• Worldwide coverage, 24 hours-a-day• Initial 12-month rate guarantee• Your choice of doctors and hospitals• No referrals necessary to see a specialist• Single deductible for accidents• No limits on Intensive Care Unit (ICU)• Ground and air ambulance • Transplant coverage• Preventive Services• HealthyDiscount• Patient Care

Advantage Agent

Patient CareExperienced national leader in independent health care advocacy

servicesProvides a point of contact who serves as:

• An Advocate — working with insureds to answer questions, help reduce frustration and confusion, and better understand their health care benefits

• A resource — providing cost and quality information to better inform insureds

• A problem solver — working with health care entities to work through issues — thus taking customers out of the middle

Advantage Agent

*TelaDoc doesn’t replace a primary care physician— but when a physician isn’t available, TelaDoc is there.

Advantage Agent

TelaDoc—ConvenientAccess 24 hours a day, 365 days a yearClients call toll free or go onlineMedical records stored securely

and available online

• Client can update• Client can share with

their doctorAvailable for patients

12 years and older

Advantage Agent

TelaDoc—Cost-effectiveWith MaxPlan

SM and CoreMed

SM Plans

• Three FREE consultations per person each year• $35 fees for additional consultations are covered subject to deductible and

coinsurance• Pay securely by credit card, debit card, or

electronic payment

With OneDeductible Plans• $35 consultation fees are covered subject to deductible and coinsurance

• Pay securely by credit card, debit card, or electronic payment

All terms, limits, and conditions of the Assurant Health

contract apply.

Advantage Agent

How it worksTelaDoc Physicians:Provide diagnosisRecommend treatmentPrescribe short-term medication*Examples of common conditions physicians consult

and treat:• Sinusitis/respiratory infections• Urinary tract infections• Allergies

Answer medical questions When appropriate, prescribe

convenience (limited-quantity) refills*

*TelaDoc does not prescribe DEA-controlled substances.

Advantage Agent

How it worksConsultation process*—a TelaDoc physician: Reviews medical record Calls client—typically within an hour Recommends treatment or refers client to primary care physician Updates medical record Prescribes a short-term medication, if appropriate

• TelaDoc calls the prescription in to client’s pharmacy* Prior to contacting TelaDoc, client fills out medical history disclosure.

Advantage Agent

TelaDoc

Assurant Health is the first national IM carrier to offer plans with TelaDoc Medical Services

Available with MaxPlan, CoreMed, and OneDeductible plans

Available with new business effective September 1, 2008, and later

Not available on plan designs with an Office Visit Copay option

Not available in CT, FL, GA, ID, KY, MN, MT, NH, NV, OK, OR, SC, or TN

Advantage Agent

Healthy Discount

Advantage Agent

Suite SolutionsOverview

• Cash benefits that help pay out-of-pocket expenses• Available through membership in Health

Advocates Alliance

Who is it for?

• Clients who have a high deductible• Clients concerned about accidents

(typically clients with children)

Client Benefit

• “Gap” coverage provides security and savings• Portable• Easy

Suite Solutions

Advantage Agent

Product OptionsSecureSolution

• Accident Medical Expense Benefit• Accidental Death and Dismemberment Benefit• Weekly Accident Indemnity Benefit

SelectSolution

• Accident Medical Expense Benefit

• Critical Illness Expense Benefit

• Accidental Death and Dismemberment Benefit

• Weekly Accident Indemnity Benefit

• Identity Network Child Safety Services

• Identity Theft Benefit

• Discounts on dental, vision and more

Suite Solutions

Advantage Agent

Individual Major Medical Plans

Advantage Agent

MaxPlanSM

Value Proposition: • Maximum protection to achieve security

and predictability • Most extensive benefits • Many options

Who is it for?MaxPlan is ideal for clients who:

• understand the value of protecting both their health and their assets

• want no limits on how often they see their doctor – always at a set price

• are highly concerned about havingan adequate level of protection

MaxPlanSM

Advantage Agent

MaxPlanSM HighlightsDoctor office visit copay optionUnlimited visits at $35 /visit

Preventive services Eligible from 1st day of coverage $1,000 per person/calendar year (no limits on Mammograms, Pap tests & PSA)

Generic prescription drugs Convenient $15 copay on generics with no deductible, no limit

Brand name prescription drugs$500 deductible$25 copay and 20% coinsurance

Family deductibleOnly 2X individual deductible

Lifetime maximumUp to $15 million *state variations apply*

MaxPlanSM

Deductibles $500, $1,000, $1,500, $2,500, $3,500, $5,000, $10,000, $15,000 or $25,000 (Family deductible maximum is two times the deductible and is met collectively by two or more persons)

Plan Structures 100/0, 80/20, 70/30, 50/50

Out-Of-Pocket Maximum $0 to $7,500 depending on coinsurance

Lifetime Benefit Maximum

$3 million or $15 million

24 and 36 Month Rate Guarantee

Available with $2,500 or higher deductibles

MaxPlanSM Details

MaxPlanSM

Advantage Agent

CoreMedSM

Value Proposition: • Broad coverage at the best value• No inside limits• The plan clients ask for

• Most flexible• Most requested• Most sold

Who is it for?• Excellent for people who want to control

premiums without sacrificing benefits• Appeals to a wide range of individuals

and families

CoreMedSM

Advantage Agent

CoreMedSM Highlights

Office visit copay option Four visits/person/year − just $35 per visit

Preventive services $500/person/year-6 month wait

Generic prescription drugs Convenient $15 copay on generics withno deductible, no limit

Brand name prescription drugs$500 deductible$25 copay and 50% coinsurance

Family deductibleOnly 2X individual deductible

CoreMedSM

Deductible Options $500, $1,000, $1,500, $2,000, $3,500, $5,000, $10,000 or $25,000(Family deductible maximum is two times the deductible and is met collectively by two or more persons)

Plan Structures 100/80, 80/20, 70/30, 50/50

Out-Of-Pocket Maximum

$0 to $7,500 depending on coinsurance

Lifetime Benefit Maximum

$2 million or $15 million

Facility Fees • Outpatient: $0 or $200/outpatient surgery• Inpatient: $0, $200 or $750 per day for the first

three days

24 and 36 Month Rate Guarantee*

Available with $2,000 or higher deductibles

CoreMedSM Details

See brochure

for complete

details

See brochure

for complete

details

CoreMedSM

15% cheaper than $1000 deductible!

15% cheaper than $1000 deductible!

*not available in KS, MN, MS, NM, ND or OR

50% to $4000 Out-Of-Pocket =

16% Savings!

50% to $4000 Out-Of-Pocket =

16% Savings!

Advantage Agent

RightStartSM

Value Proposition:• Basic benefits plus added protection

against serious illnesses and injuries• Most affordable plan

Who is it for?• Uninsured individuals and families• Individuals and families considering

dropping current coverage because of price

• Prospective clients with limited budgets

RightStartSM

Advantage Agent

RightStartSM Highlights

Doctor office visit copay option2 visits at $25/visit

Generic prescription drugsConvenient $15 copay on generics with no deductible, optional limit up to Annual Maximum amount

Brand name prescription drugs $500 deductible$25 copay with 50% coinsurance

RightStart benefitMany combinations to keep premium within budget

• Annual maximum• Outpatient services maximum • Prescription drug maximum

Also available as a non-PPO plan

RightStartSM

Deductible $500, $ , $2,000 or $3,000 (Family deductible maximum is three times the deductible and is met collectively by three or more persons)

Plan Structures 75/25, 50/50

Out-Of-Pocket Maximum $2,500 with 50/50 plan$4,500 with 75/25 plan

Outpatient Services Maximum

$2,500, $5,000

Annual Maximum $50,000, $100,000 or $250,000

Lifetime Benefit Maximum $2 million

24 and 36 Month Rate Guarantee*

Available with $2,000 or higher deductibles

Optional Cancer Benefit $25,000 increase in outpatient services State Availability varies

RightStartSM Details

See brochure for complete

details

See brochure for complete

details

RightStartSM

Advantage Agent

OneDeductible- available with or without an HSA

Value Proposition: • Convenient: One common deductible for ALL

covered expenses – even prescriptions – for everybody on the plan

• Simple: Easiest-to-understand plan • Extensive Benefits: Most robust HSA plan• Smart Financial Choice: Higher deductible and

lower premiums than conventional plans

Who is it for?• People who view health insurance as a financial

decision as well as a healthcare decision• Those willing to fund their everyday expenses,

but who want extensive catastrophic coverage• People who value the tax savings associated

with an HSA

OneDeductible

Advantage Agent

OneDeductible HighlightsSimple − One deductible for all family members

Preventive services• $1,000 annual preventive services benefit• Optional first-dollar preventive services benefit

• $500/person/year after 12 months

Lifetime maximum benefit• Up to $15 million

HSA account administration options• HSA Tools- now free for all clients, online enrollment• HSA Fundamentals

One Decreasing Deductible• 10% deductible credit 2Xs per year- January 1st, July 1st

• Available with deductibles of $2850 ind/$5700 family & higher• Deductible can decrease as low as $1500 ind/$3000 family

Deductibles Individual plan:$1,200, $1,600, $2,100, $2,850,$3,750 or $5,000 Family plan: $2,400, $3,200, $4,200, $5,700, $7,500 or $10,000

Plan Structures 100/0, 80/20, 50/50

Out-Of-Pocket Maximum $0 to $2,500 depending on coinsurance

Lifetime Benefit Maximum

$3 million or $15 million

24 and 36 Month Rate Guarantee*

Available with $2,100 deductible & higher

OneDeductible Details

See brochure for complete

details

See brochure for complete

details

OneDeductible

*not available in KS, MN, MS, NM, ND or OR

Advantage Agent

SaveRight-available with or without am HSA

Value Proposition: • Most economical HSA-qualified plan• Premium savings can be used to

help fund the HSA

Who is it for?• Those whose top priority is

premium savings• People willing to assume greater

risk but want catastrophic coverage• People who want the tax benefits of

an HSA plan and low premiums

SaveRight

Advantage Agent

SaveRight Highlights

Prescription drugs• Covered

Lifetime maximum• $2 million

HSA account administration• Comes with HSA Tools

Flexible options to keep premiums low• Outpatient services maximum

options available

Also available as a non-PPO plan

SaveRight

Deductible $2,300, $3,000 or $5,100(Family deductible maximum is two times the deductible and is met collectively by two or more persons)

Plan Structure 100/0, 75/25, 50/50

Out-Of-Pocket Maximum Options

$0 to $3,000 depending on coinsurance

Outpatient Services Maximum $15,000 or $25,000

Annual Maximum None

Lifetime Benefit Maximum $2 million

24 and 36 Month Rate Guarantee*

Available with all deductibles

SaveRight Details100% plan

now available with $3,000 deductible.

Saves more

than 10% vs. comparable

OneDeductible design!

100% plan now available with $3,000 deductible.

Saves more

than 10% vs. comparable

OneDeductible design!

See brochure for

complete details

See brochure for

complete details

SaveRight

*not available in KS, MN, MS, NM, ND or OR