expect - healthplan services...…he fields questions for us andhelps solve problems in every area...

ALL-INCLUSIVE BENEFITS

Expect

and a wealth of extraordinary service and support.

a vast portfolio of

““

…he fields questions for us and helps solve problems in every area – sales, enrollment, terminations and retention . . . endless patience . . . we couldn’t ask for a better representative she is the epitome of professionalism . . . understands agents and the sales process . . . responsive to my needs as I service my clients . . . a highly valuable back-office asset . . . provides an array of benefit options . . . The quote arrived well before my meeting time . . . I really appreciate the educational approach and the guidance . . . Her attitude and approach continue to be well above the norm and I am really impressed . . . an important aid for building my business . . . they give us choices so we can fill our benefit packets with the best plans for our clients . . . They make my open enrollment process with our new and old clients easy . . . I am really glad she’s part of my team . . . it gives me a great deal of confidence when I face clients on a day-to-day basis . . . They educate my people on products and services . . . attention to detail . . . professional sales reps make our meetings and our enrollment services very easy . . . makes me look great . . . Our clients finally understand their benefits . . . quick to respond to all questions . . . a breath of fresh air . . . speed and efficiency

Your Benefits Hub & Partner for Business Growth.

HealthPlan Services (HPS) is dedicated to serving the insurance needs of our agents and their group and individual customers.

Our licensed sales consultants and extended support teams are product and industry experts. Consider us an extension of your team. We work for you, helping you acquire new business and serve, satisfy and retain current customers. We offer a full range of in-demand products and coverage options from the nation’s leading insurers.

Rely on HPS to help you:

Cross sell a variety of comprehensive insurance plans from the nation’s top carriers

Maximize group and individual sales opportunities

Quickly deliver compelling multi-product, multi-carrier proposals

Increase customer satisfaction and loyalty

Table of Contents

Small Group Medical Insurance . . . . . . . 2

Individual Medical Insurance . . . . . . . . . 3

Dental & Vision Insurance . . . . . . . . . . . . 4

Life/AD&D Insurance . . . . . . . . . . . . . . . . . 5

Senior Care Products . . . . . . . . . . . . . . . . . 6

Ancillary Products . . . . . . . . . . . . . . . . . . . 7

Identity Theft Protection . . . . . . . . . . . . . 8

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“ Our clients finally understand their benefits.

“

– Leah Thornton, Anderson Thornton Consultants

Small Group Medical Insurance

The Carriers Humana, for 4-50 employees Starmark, for 2-50 employees

The PlansHealthPlan Services offers a broad selection of small group medical plans that allow you to customize a solution that fits every client’s needs and budget. HSA – Introduce your clients to a great way to reduce health care costs

with high deductibles and access to savings accounts to help pay for out-of-pocket expenses

HMO Open Access – Affordable plans that eliminate the gatekeeper and reduce costs

PPO – Leading plans with strong national provider networks Self Funded Plans – May mean lower monthly payments than traditional

plans in some states

Plan Benefits First-dollar coverage for select preventive care Inpatient, outpatient, and emergency room care coverage Urgent care Unlimited office visits Extensive, reliable networks Prescription drug coverage and safeguards Add-on benefits, including dental and term life insurance Supplemental accident and maternity options Allergy testing Injections (including allergies) Transplant services Home health care Hospice Physical, speech and occupational therapy Skilled nursing facility

Your Partner for Small Group Medical

Fact: People with medical insurance are more likely to have a regular doctor and to get care when they need it.1

Fact: There are roughly 43 million people insured through small businesses.2

2

1National Bureau of Economic Research 2 healthreform.gov “Keeping the Health Plan You Have: The Affordable Care Act and ‘Grandfathered‘ Health Plans“ March 2012

3501 East Frontage Road | Tampa, FL 33607Phone: 800-545-6441 | Email: [email protected] www.HPSbenefitshub.com

“ We couldn’t ask for a better representative. She is prompt, thorough and truly an asset.

“

– Earl Fisher, Walton Financial Group

Individual Medical Insurance

Your Partner for Individual Medical

The Carriers Assurant Health HumanaOne® UnitedHealthOneSM (Golden Rule®)

The PlansThese plans provide a variety of options to help you meet the needs and budgets of individuals and families. Choose from multiple medical carriers to give your clients the ideal coverage; they will appreciate being in charge of their own well-being. PPO – Great plans with some of the nation’s largest provider networks HSA – Help your clients reduce health care costs and save for

out-of-pocket expenses

Plan Benefits Wide selection of doctors and hospitals Physician office co-payment Inpatient, outpatient, and emergency room care coverage Prescription drug coverage Preventive care Varying deductible levels Supplemental accident, maternity, dental, and life options Member web site with 24-hour access to benefits, claims,

and health information

Fact: Americans under age 65 who have health insurance are more likely than the uninsured to engage in healthy behaviors.1

Fact: Approximately 8% of private health plans are directly purchased by those under age 65.2

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1 “In the U.S., Health Insurance Linked to Better Health Habits“ (Gallup-Healthways Well-Being Index)

2 U.S. Centers for Disease Control and Prevention, Health Insurance Coverage: Early Release of Estimates from the National Health Interview Survey, 2009


“ Being uninsured is incredibly stressful from a financial perspective, a psychological perspective, a physical perspective.

“

– Katherine Baicker, Professor of Health Economics,

Harvard School of Public Health

Dental & Vision Insurance

Your Partner for Dental & Vision

Source: LIMRAPlan design, benefits and availability may vary by area and distribution. Plans are marketed by HealthPlan Services, which also provides billing and eligibility for most Ameritas Group plans with 25 or fewer enrolled lives. Most plans for groups with 26 or more enrolled lives are administered by Ameritas Group. Ameritas and Dental Rewards are registered service marks of Ameritas Life or Ameritas Mutual Holding Company and are used with permission. Some states require that brokers/producers be appointed with Ameritas before soliciting its products.

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The Carrier Ameritas

The PlansAmeritas Group dental plans are a great add-on to current business, or an entrée to new business. The rates, benefits, and persistency of these plans are hard to beat. Individual and group plans Voluntary and employer-sponsored plans Traditional and PPO plans Fused dental + vision plans Stand-alone VSP® Vision Care plans available for groups with 3+ lives

Plan Benefits Voluntary down to one life, partially or fully employer funded can fit

any budget Many plans with no elimination period on major services means

immediate coverage Dental Rewards® allows qualifying members to roll over a portion

of their unused annual maximum each year Electronic enrollment ensures fast, simple, paperless processing More than 235,000 PPO access points for dental care nationwide Vision and orthodontia options for both children and adults Vision included on select individual dental plans

Fact: Dental is the second most requested employer health benefit.

Fact: 72% of employers think they must offer dental benefits to attract employees.


“ I really appreciate the educational approach and the guidance.

“

– Brooke Riley, Grothjan Financial Services

Life/AD&D Insurance

Your Partner for Life and AD&D

The Carriers American General American National Insurance Company Boston Mutual Mutual of Omaha Unum

The PlansHealthPlan Services offers a selection of individual, employer-funded and voluntary plans to help your clients find affordable financial security. Individual Term and Whole Life – Valuable protection for individuals

and families Group Term Life – Term coverage for employees, spouses, and children Group Supplemental Life – Allows employees to increase coverage over

the base policy Group Supplemental AD&D – Offers an important extra layer of protection

for families

Plan Benefits Benefits up to $200,000 or 5x annual salary for groups 2-9;

up to $500,000 or 5x annual salary groups 10-499 Guarantee issue provisions Accelerated death benefit for terminal illness Conversion privileges Spouse, domestic partner, and child coverage Up to $300,000 supplemental coverage;

up to $100,000 supplemental AD&D coverage

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Fact: The untapped market for life sales in the U.S. is estimated at a staggering $17.5 trillion.1

Fact: As part of a benefit package, AD&D can be a reasonably priced add-on to a term life insurance policy. “It remains a very popular benefit.” 2

1LIMRA 2 “AD&D values remain debatable—for some” (BenefitsPro.com)


“ I will refer everyone I know. I am very impressed.

“

– Marie Kuhl, Agent

Senior Care Products

Your Partner for Senior Insurance Plans

The Carriers American National Insurance Company Ameritas Group Foresters Genworth Gerber Life Humana John Hancock LifeSecure Mutual of Omaha Standard Life

The Plans Dental/Vision Final Expense Long Term Care Medicare

6

Fact: An estimated 8.2 million older adults will be uninsured in 2015.1

Fact: The LTC market is full of potential. Only 8 – 10% of consumers who could benefit from LTC insurance, have it.2

1LifeHealthPro.com 2 “Riding the Life Extension Wave” National Underwriter Life & Health Magazine, December 19, 2011


“ From product inventory to advice and service, they're the best.

“

– Stephen Hudspeth, Hudspeth & Walker

Employee Benefits

Your Partner for a Variety of Ancillary Plans

The Carriers American General Assurant Health Beazley HumanaOne® Unum

The PlansHealthPlan Services is your single source solution for the following ancillary products. Select from comprehensive individual, group, and supplemental coverage that meets even your toughest clients’ needs. Accident AD&D Cancer Critical Illness Disability – short and long term Gap Coverage Hospital Indemnity Supplemental Medical

Ancillary Products

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Fact: In 2010, the total estimated disability workplace sales were $3 billion, and total in-force premiums $19 billion.1

Fact: Over 36 million Americans are classified as disabled; about 12% of the total population.2

1LIMRA 2 U.S. Census Bureau


“ The attention to detail, endless patience, and frequent communications have been an important aid for building my business!

“

– Janice A. Ginsburg, CFP®, Janney Montgomery Scott LLC

Identity Theft Protection

Your Partner for Identify Theft Protection

The Carrier LifeLock

The Products & ServicesLifeLock offers a full suite of products and services to help safeguard your clients.

LifeLock® Identity Theft Protection LifeLock membership comes standard with these essential core

services to help protect your clients’ personal information. Identity threat detection and alerts Lost wallet protection Address change verification Advanced Internet monitoring

LifeLock Command Center™ Protection Because not all identity theft is credit-related, LifeLock provides

expanded monitoring of clients’ information in a comprehensive network of databases and unregulated file-sharing networks.

Payday loan records Court/criminal records Sex offender registries

LifeLock Credit Score Manager™ Service This service allows your clients to manage their credit scores and get

alerts when important changes occur. Full credit reports with 24/7 credit bureau monitoring Email alerts every time a change is detected Online access to all three annual credit reports and scores Updates every 30 days to track and monitor credit scores,

ongoing

Source: Javelin Strategy & Research

LifeLock products and services are not available in IA, KS, MO or NE.


Fact: More than 11 million Americans were victims of identity theft in 2011.

Fact: Certain social and mobile behaviors put consumers at a higher risk of fraud due to their increased exposure of personal information.

“ My identity was stolen. LifeLock contacted me BEFORE I knew there was even a problem. My only responsibility was to answer the questions over the phone. Everything else was taken care of for me. I cannot say enough about the reassurance of having LifeLock in today’s world.

“

– Lloyd Meeske, Insurance Agent & LifeLock Customer

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Multiple Products & Carriers. Extraordinary Service & Support.

HealthPlan Services doesn’t just sell an assortment of great insurance products. We support you – the agent – long term, and from beginning to end.

Acquire Customers

Consultative sales support

Personal broker portal

24/7 online quoting

Fast proposal turnaround

Educational and selling tools

Appointment agreements, product collateral, and more

Service Customers

Complete back-office support

Commissions

Underwriting

Licensing

Retain Customers

Pro-active retention services

Customer service

Sales support

Vast range of flexible product and plan options

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©2013 HealthPlan Services. This brochure offers a general overview of the insurance products available through HealthPlan Services. Benefits may vary by carrier and plan design. Product availability varies by state and distribution.

expect - healthplan services...…he fields questions for us andhelps solve problems in every area...

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