IHC Health Solutions ….previously HPA

STMShort-Term Medical Insurance

Agenda

• Introduce IHC Health Solutions• Products

– Secure STM/Secure Saver STM– Secure Lite/Secure 12x3– Secure Dental One– Rx pay card– Overseas travel

• Sales opportunity • Contracting• Business submission (online demo)

Introducing IHC Health Solutions

Headquarters:• Rockford, Illinois & Phoenix, Arizona • Tampa, Florida – Marketing

Founded: 1939 • IHC member company – A rated, NYSE (IHC)

• $1 Billion assets

STM and Dental Products – Underwritten by Standard Security Life Ins Co of NY – an IHC Group member company

• Carrier – Distribution relationship - Stability

Short Term Medical

• STM – What is it?

– Affordable major medical coverage purchased on a temporary basis

– Accept/reject

– Effective dates as early as 12.01a.m. the next day. Can request later effective date up to 60 days after application date

STM eligibility

• Eligible applicants ages 18 through 64 years and 11 months, spouses, and dependent children under age 19 (under 25 if full time student)

• Child only ages 2-18

• Applicants can answer health questions with ‘NO’ response

Payment Options

• Monthly pay – up to 6 or 12 months – Check, money order, credit card, auto bank

withdrawal

• Single pay – 30 to 180 days, select exact number of days

• 10 day free look period

Payment options

• Your subsequent monthly credit card/ach premium deductions will occur based upon the effective date of coverage. – If your coverage effective date is the 1st -

15th, your premium will be deducted on the 1st of the month.

– If your coverage effective date is the 16th-31st, your premium will be deducted on the 15th of the month.

STM Plan Enhancements

• Ambulance; now up to $500 per occurrence for ground and up to $1,000 per occurrence for air.

• Removal of $2,500 benefit maximum for knee

injuries/disorders and gallbladder removal surgery; benefit now pays up to the calendar-year maximum

• Removal of the six-month waiting period for hysterectomy, tonsillectomy, adenoidectomy, repair of deviated nasal septum or any type of surgery involving the sinus, myringotomy, tympanotomy, herniorraphy or cholecystectomy

Secure STM

Secure Short Term Medical

Flexible major medical coverage Competitive premium rates

$2 million per personChoice of payment, deductible, and co-insurance options

$250, $500, $1000, $2500, $5000Simplified underwriting & instant effective dates

Use any doctor or hospital! Additional discount incentives for PHCS providers

No waiting periods

Up to 12 months of coverage

Eligibility up to 65

Unlimited re-applies in most states

Product approved in 45 states

Secure Saver STM

• A smart health plan designed to keep premiums low without exposing clients to high deductibles

• Premium savings up to 45% less than the Secure STM plan

• $50 Co-Pay for office visits

Secure Saver STM

Secure Saver STM

• Instead of a calendar-year deductible, this plan offers a choice of daily maximums: $250, $500, $750 or $1000.

• Plan participants pay for the first dollar of covered expenses up to their chosen daily maximum;

• Plan pays 100% of the expense in excess of the daily maximum for all covered expenses

• $4,000 calendar-year out-of-pocket maximum; every dollar spent on daily maximum expenses applies to the $4,000 out-of-pocket maximum

Secure STM/ Saver Und. Q’s• 1. Will there be any other group or individual major medical health insurance in force on the policy effective

date?• 2. Is the proposed insured, spouse, or any dependent child now pregnant?• 3. Have you or any person applying for coverage been declined for health insurance for a condition that is

still present?• 4. Are you or any person applying for coverage currently eligible for Medicaid? • 5. Are you or any person applying for coverage currently over 300 pounds if male or over 250 pounds if

female? • 6. Within the past 5 years have you or any person applying for coverage been aware of, received an

abnormal test report for, been diagnosed with, been treated by or received follow-up care with a member of the medical profession, taken medication for or had a device surgically implanted or in place for:

• ■ heart disorder, heart attack, coronary artery disease, coronary bypass or stent• ■ peripheral vascular disease or carotid artery disease• ■ stroke or other neurological disorder, cancer or tumor• ■ paraplegia, quadriplegia or multiple sclerosis, stem cell transplant• ■ emphysema or COPD (chronic obstructive pulmonary disease)• ■ diabetes, liver disorder• ■ kidney disorder other than stones• ■ degenerative disc disease or herniated disc• ■ rheumatoid or psoriatic arthritis• ■ degenerative joint disease of the knees or hips• ■ alcohol or drug abuse or dependency• ■ hemophilia• 7. Have you or any person proposed for coverage been diagnosed or treated for Acquired Immune

Deficiency Syndrome (AIDS), AIDS-related complex, or any other immune system disorder? Answer this question “no” if you have tested positive for HIV but have not developed symptoms of the disease AIDS

Secure Lite and12x3

• A permanent major medical and mini med product hybrid• $750,000 policy maximum• 1 to 36 months of STM coverage (Secure Lite – 6 mo maximum)• Continuous claims coverage • Eligible ages 2 thru 65• $25 doctor visit benefits up to 4 times per year – 1st dollar benefit• No decline question, no ht/wt question, non insulin dependent

diabetics eligible• No networks – choose own doctors and hospitals• Unlimited rewrites (in most states)• Teledoc included• AME optional rider

Secure 12x3 Short Term Medical

Secure 12x3

$25 first dollar Doctor visits (4 per year or benefit period)

$1,000 per day In-hospital charges

$1,250 per day In-hospital Intensive care charges

$500 per day Surgical charges

$500 per day Outpatient emergency room charges

$500 per day Inpatient physician visits

$2,500 per day/ $5,000 Max per benefit period

Surgeon/anesthesiologist services per policy period

Secure 12x3 Short Term Medical

STM lite and 12x3 Und Q’s• Will there be any other group or individual major medical health insurance in force on the

policy effective date?

• Are you or any person applying for coverage now pregnant?

• Are you or any person applying for coverage currently eligible for Medicaid?

• Within the past 5 years have you or any person applying for coverage been aware of, received an abnormal test report for, been diagnosed with, been treated by or received follow-up care with a member of the medical profession, taken medication for or had a device surgically implanted or in place for: ¦ heart disorder, heart attack, coronary artery disease, coronary bypass or stent ¦ peripheral vascular disease or carotidartery disease ¦ stroke or other neurological disorder ¦ cancer or tumor ¦ paraplegia, quadriplegia or multiple sclerosis ¦ stem cell transplant ¦ emphysema or COPD (chronic obstructive pulmonary disease) ¦ insulin-dependent diabetes ¦ liver disorder ¦ kidney disorder other than stones ¦ degenerative disc disease or herniated disc ¦ rheumatoid or psoriatic arthritis ¦ degenerative joint disease of the knees or hips ¦ alcohol or drug abuse or dependency ¦ hemophilia

• Have you or any person proposed for coverage been diagnosed or treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex, or any other immune system disorder? Answer this question “no” if you have tested positive for HIV but have not developed symptoms of the disease AIDS.

STM Prospects

• Offer STM to customers without health insurance

– Instant effective dates, affordable comprehensive coverage

– Cover them during the underwriting period for IM

– Preserve your client should they not qualify for IM or if the policy is issued

with excessive riders and or rate ups

• Individuals that cannot afford major medical insurance

• Individuals that need coverage for 12 months or less

• Individuals that want something more than a limited medical benefit

plan

• Individuals that can’t qualify for major medical due to medical history

• Individuals looking for an alternative to Cobra

• Senior market – approaching medicare eligibility

Rx Pay Card

– Available nationwide at over 42,000 pharmacies – Convenient Internet enrollment for instant coverage – Formulary program with 4 tiers

• Tier 1 – Generic Drugs – up to $10 co-pay• Tier 2 – Brand and Generic – up to $20 co-pay• Tier 3 – Brand and Generic – up to $50 co-pay• Tier 4 – Brand – negotiated special discounts

– Automatic Acceptance - no underwriting or health questions

– No time limits for pre-existing conditions – No monthly or annual maximums

Rx Pay Card

Secure Dental One

• Freedom to choose any dentist

• Personal portability

• Auto acceptance

• Immediate coverage for preventive care

• $100 Lifetime deductible

• Eligibility through age 64

Secure Dental One

Secure Dental One

• Three plan options– Basic One– Classic One

• Calendar year max - $750

– Premier One• Calendar year max - $1,250

Secure Dental One

Overseas Travel Medical

• U.S. citizens traveling abroad • Non U.S. citizens traveling to the U.S. • Hospital & Medical Expenses • 24-Hour Medical Emergency Services • Trip Cancellation • Lost Luggage • Emergency Dental • Emergency Evacuation • Accidental Death & Dismemberment • Return of Minor Children

Overseas Travel Medical

Overseas Travel Medical

• Max Benefit Choices– $50K, $100K, $250K, $1M

• Deducibles– $125, $250, $500, $1,000, $2,500

• Hazardous sports rider– $10K

Overseas Travel Medical

Summary

HPA

Easy to buy, Easy to sell products!

Questions or Comments!Tim Schappel

tschappel@hpainsurance.com800-277-3323 x236262-716-3109 (cell)