USA Benefits USA Benefits GroupGroup

America’s #1 America’s #1 Online AgencyOnline Agency

We do the shopping so We do the shopping so you don’t have to.you don’t have to.

ABOUT THE COMPANYABOUT THE COMPANY USA Benefits Group is a nationwide network USA Benefits Group is a nationwide network

of health and life insurance professionals of health and life insurance professionals that have been serving small business that have been serving small business owners and the self-employed since 1988. owners and the self-employed since 1988.

Non-captive agents working for you, not the Non-captive agents working for you, not the insurance company.insurance company.

STABILITYSTABILITY 20 years of Health and Life Insurance 20 years of Health and Life Insurance

SpecializationSpecializationSECURITYSECURITY Working with only the top rated companies Working with only the top rated companies

as determined by the A.M. Best Companyas determined by the A.M. Best Company Totally secure online platform. HIPAA Totally secure online platform. HIPAA

compliant.compliant. Nationwide fully licensed independent Nationwide fully licensed independent

agentsagentsCOMMITMENTCOMMITMENT Dedicated to superior customer serviceDedicated to superior customer service Annual ReviewsAnnual ReviewsTOLL-FREE CUSTOMER SERVICETOLL-FREE CUSTOMER SERVICE Personal and Professional AttentionPersonal and Professional Attention Knowledge and DependabilityKnowledge and Dependability Promptness in Handling Your RequestsPromptness in Handling Your Requests

A Few Questions to make A Few Questions to make sure you get what you sure you get what you

want.want. How old are you? Spouses name and age? ____How old are you? Spouses name and age? ____ How many dependant children will be How many dependant children will be

covered?___covered?___ Does anyone have any pre-existing health Does anyone have any pre-existing health

conditions?_______conditions?_______ Is anyone taking any prescription drugs Is anyone taking any prescription drugs

regularly?__regularly?__ Has anyone been hospitalized in the last 5 Has anyone been hospitalized in the last 5

years?___years?___ Is anyone currently pregnant? Are you Is anyone currently pregnant? Are you

planning a larger family?___planning a larger family?___ Do you spend more than $350 (individual) or Do you spend more than $350 (individual) or

$750 (family) per year on prescription drugs?$750 (family) per year on prescription drugs? Do you go to the doctor more than 7 times Do you go to the doctor more than 7 times

(individual) or 14 (family) due to sickness?____(individual) or 14 (family) due to sickness?____ What is your current monthly cost?___ Have What is your current monthly cost?___ Have

you had any/many rate increase?____you had any/many rate increase?____ Do you have a managed-care plan or HMO Do you have a managed-care plan or HMO

plan?plan? What do you like about your current What do you like about your current

coverage?_____coverage?_____ What do you dislike about your current What do you dislike about your current

coverage?_____coverage?_____ What do you feel is the most important reason What do you feel is the most important reason

why you should carry health insurance?______why you should carry health insurance?______

Getting Started/ Enrollment Getting Started/ Enrollment ProcedureProcedure

Complete application for health Complete application for health insurance.insurance.Submit initial deposit of first Submit initial deposit of first month’s premium and an month’s premium and an administrative fee. (varies per administrative fee. (varies per company)company)

Future premium payments Future premium payments made by Monthly Bank Draft made by Monthly Bank Draft (M.B. D.)(M.B. D.)Insures your coverage won’t be Insures your coverage won’t be interrupted because of a missed interrupted because of a missed paymentpayment. Other options may . Other options may varyvary

1-3 Week Evaluation Period1-3 Week Evaluation PeriodMay be longer depending upon May be longer depending upon medical requirementsmedical requirements

Insurance company issues your Insurance company issues your new policynew policyAfter your application has been After your application has been reviewed and approved. Do not reviewed and approved. Do not cancel previous coverage until cancel previous coverage until approved.approved.

Deposit is fully refundableDeposit is fully refundableIf your application is not approved If your application is not approved by the Insurance companyby the Insurance company

Can you afford to be without Can you afford to be without Health Care Protection?Health Care Protection?

Examples of doctor and hospital Examples of doctor and hospital expenses*expenses*

Diabetes MellitusDiabetes Mellitus(73 days of hospital confinement)(73 days of hospital confinement)

$ 90,755$ 90,755 Cervical CancerCervical Cancer

(95 days of hospital confinement)(95 days of hospital confinement) $ 114,147$ 114,147

Closed head injury – vehicle accidentClosed head injury – vehicle accident(105 days of hospital confinement)(105 days of hospital confinement)

$ 152,392$ 152,392 Gastritis and acute vascular Gastritis and acute vascular

insufficiencyinsufficiency(194 days of hospital confinement)(194 days of hospital confinement)

$ 242,427$ 242,427 Septic shock due to Weil’s DiseaseSeptic shock due to Weil’s Disease

(Multiple hospital confinements)(Multiple hospital confinements) $ 949,583$ 949,583