Assurant Health News July Implementation

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Assurant Health News July Implementation

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Assurant Health News July Implementation

• Product TrainingMay 2009

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Agenda

• Assurant Affordable Health Access An easy
  solution now even easier to sell
• New Sales Opportunities
• HSA Tools Helps Clients Manage Funds
• Good News in Kansas
• CoreMed Drug Options
• Patient Care Supports Retention
• TelaDoc Helps Control Clients Costs
• Health Access Electronic Submission

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Assurant Affordable Health AccessThe affordable
health insurance solution that covers the
everyday needs consumers value most
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Assurant Affordable Health Access

• Launched in August 2008
• Paper application submission
• Seeing great sales success with individual
  consumers
• Looking for affordable coverage
• Out of a job
• Employer doesnt offer coverage
• and who are different than our traditional plan
  buyers
• Placement rates 92
• Early retention results positive

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Health Access Sales and of Channel
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Expanding the IM Market
Uninsured Americans
Individual Market Today
18M Americans
Market Focus
15M gt 400 Federal Poverty Level 7M
200-400 Federal Poverty Level
2M Uninsurable

• New customer base incremental market space
• States endorsing Limited Benefit plans to help
  solve uninsured crisis
• NOT cannibalizing core products, including
  Rightstart

13M lt 200 Federal Poverty Level
9M Non-U.S. Citizens
46M Uninsured
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Assurant Affordable Health AccessThe right plans
for the right time

• Affordability

Three modestly-priced plans

• Usefulness

Covers services for everyday needs

• Value

First-dollar benefits and discounts

• Accessibility

Easy to qualify

• Flexibility

Keep your doctor
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Why its so popularConsumers want an affordable
plan with

• First-dollar benefits on services for everyday
  needs they value
• Doctors office visits
• Prescriptions
• Preventive care
• Immunizations
• Copays
• No high deductible

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Just Make it Simple

• Consumers dread shopping for health insurance and
  are overwhelmed by the process.

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What Consumers Say Affordability is the 1
reason consumers purchase Health Access

• I figured a little was better than nothing
  Peace of mind would be the three words that
  would cover what I want to accomplish. I know
  that if I go into the doctor, I know the office
  visit is covered. I dont have to worry about
  going to the doctorIts peace of mind to have
  the office visit paid for (Noel/58).
• Its affordableand it gives you what you need
  (Jolene/45).
• For the small amount you spend, you get your
  value, you get your moneys worth (Robert/39)

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What Consumers Say The process of signing up
for Health Access was not difficult.

• It was described as the good, better, best
  plans, and you made a choice. I chose the middle
  one, the most affordable for what I needed.
  (Tracy/40)
• He showed me the very basic to the middle of the
  road and the Cadillac one. I chose the middle of
  the road one, so I can be covered for doctor
  visits-like if I get a cold, some kind of
  prescription plan that covers at least something.
  Something that covers hospital visits and basic
  procedures. This plan will pay up to a certain
  amount. I can deal with that. (Steven/37)

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Who is the Health Access Customer

• 60 of HEALTH ACCESS applicants have high school
  or technical school training as their highest
  level of education
• 46 of HEALTH ACCESS applicants have family
  incomes of less than 50,000
• 33 of HEALTH ACCESS applicants have family
  incomes of less than 40,000
• 20 of HEALTH ACCESS applicants have a net worth
  of less than 25,000

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Assurant Affordable Health Access PLAN OVERVIEW
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Assurant Affordable Health AccessLimited-Benefit
Product

• Three limited-benefit plans
• Health Access Plan A
• No medical questions
• Health Access Plans B or C
• Limited medical questions
• An affordable option compared to major medical
  plans
• Coverage for certain services up to a set dollar
  amount
• Calendar year maximums

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Health Access Product Overview

• Available in AL, AR, AZ, FL, IA, IL, IN, MI, MO,
  MS, OH, OK, PA, SC, TN, TX, WI, WV and WY
• No benefit waiting periods
• Covers what is important to employees
• Doctors office visits and prescription drugs
• Preventive care and immunizations
• Network discounts
• Optional benefits such as Dental-Vision Discount
  Plan, Dental Insurance and Cancer Benefit

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Coming for Mid August

• Suite Solutions
• Additional states
• Certain- SD, AK, DE, MD, NE, NM, CO, GA
• Highly likely- LA, CA,
• Hopeful- NC, NV

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Health Access Plan A Overview

• Easy to apply for
• No underwriting (no medical questions)
• No pre-existing condition limitations
• No ratings
• No special exception riders
• No condition-specific deductibles
• Applicants through age 63 are eligible
• Covers services for everyday needs
• No modified benefit endorsements
• Health Advocates Alliance Membership (some
  states)

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Health Access Plan A
Doctor Office Visits Client pays copay and the plan pays 100 of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots. 25 (Primary Care and Retail Health Clinic) 35 (Specialist) Limit 4 office visits Plan pays 150 max per office visit No deductible or coinsurance
Prescription Drug Client pays copay and plan pays 100 up to a maximum of 750 per calendar year 10/50 (Generic/Brand) Plan pays up to 750 max per calendar year No deductible or coinsurance
Outpatient Diagnostic Imaging and Laboratory Services Plan pays up to 250 benefit for x-ray and lab only No deductible or coinsurance
Surgical Services Must be performed during an office visit Plan pays 250 max per calendar year No deductible or coinsurance
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Health Access Plans B and C Overview

• Only two medical questions
• Pregnancy/adoption
• Select few medical issues
• Applicants through age 63 are eligible
• Covers services for everyday needs plus
  inpatient, outpatient and prescription drug
  benefits
• Easy to apply
• Accept/Reject application
• No ratings
• No special exception riders
• No condition-specific deductibles
• No modified benefit endorsements

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Health Access Plans B and C
PLAN B PLAN C
Doctor Office Visits Client pays copay and the plan pays 100 of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots. 25 (Primary Care, Specialist Retail Health Clinic) Limit 4 office visits Plan pays 150 max per office visit No deductible or coinsurance 25 (Primary Care, Specialist Retail Health Clinic) Limit 4 office visits Plan pays 150 max per office visit No deductible or coinsurance
Prescription Drugs Client pays copay and plan pays 100 up to a maximum of 250 or 750 per calendar year 10/50/75 (Generic/Preferred Brand/Non-Preferred Brand) Plan pays up to 250 in benefits per calendar year No deductible or coinsurance 10/50/75 (Generic/Preferred Brand/Non-Preferred Brand) Plan pays up to 750 in benefits per calendar year No deductible or coinsurance
Outpatient Medical Services Includes outpatient hospital, surgical center or urgent care facility and diagnostic imaging and laboratory services, chemotherapy, and radiation performed during an office visit or as outpatient. 200 deductible 80/20 coinsurance up to 500 in benefits per calendar year 200 deductible 80/20 coinsurance up to 1,000 in benefits per calendar year
Surgical Services Inpatient and Outpatient Up to scheduled benefit amount Up to 100,000 in benefits per calendar year (based on schedule) No deductible or coinsurance Inpatient and Outpatient Up to scheduled benefit amount Up to 200,000 in benefits per calendar year (based on schedule) No deductible or coinsurance
Assistant Surgeon Up to 20 of amount paid for surgery Up to 20 of amount paid for surgery
Anesthesiologist Up to 20 of amount paid for surgery Up to 20 of amount paid for surgery
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Health Access Plans B and C
PLAN B PLAN C
Ambulance (Ground/Air) Up to 100 ground/1,000 air per trip, up to two trips per calendar year Up to 100 ground/1,000 air per trip, up to two trips per calendar year
Emergency Room Up to 250 in benefits for each of two visits per calendar year 100 emergency room fee Fee waived if admitted No deductible or coinsurance Up to 250 in benefits for each of two visits per calendar year 100 emergency room fee Fee waived if admitted No deductible or coinsurance
Inpatient Benefit Facility Charges Up to 750 in benefits per day for sickness Up to 1,000 in benefits per day for injury 80/20 coinsurance up to 100,000 in benefits per calendar year No deductible Up to 2,000 in benefits per day for sickness Up to 4,000 in benefits per day for injury 80/20 coinsurance up to 200,000 in benefits per calendar year No deductible
Other Non-surgical/Non-facility Inpatient Services Considered under the inpatient per day maximum Coinsurance applies No deductible Considered under the inpatient per day maximum Coinsurance applies No deductible
Life Insurance Up to 10,000 benefit included for primary Up to 10,000 benefit included for primary
Lifetime Maximum 1 Million 1 Million

• Up to 750 in benefits for each of two visits per
  calendar year
• 100 emergency room fee
• Fee waived if admitted
• No deductible or coinsurance

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Discount Opportunities

• MultiPlan network discounts
• LabCard Select (LabOne) outpatient laboratory
  services
• Medco participating pharmacies
• Patient Care Health Advocates
• Retail Health Clinics
• Health Payment Advocates
• Other diagnostic ancillary services

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Rates

• Simplified rating
• Not gender or area rated
• Not rated for risk class
• No smoker status
• Has very broad age bands based on primary
• Examples
• Plan A 28-year-old woman w/ one child Monthly
  rate 74
• Plan B 40-year-old husband and wife Monthly
  rate 194
• Plan C 30-year-old single man Monthly rate
  104

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Effective Date Rules

• Options are 1st or 15th of the month
• How to know which to choose
• Enrollment Form signed date 1st-15th 1st of
  next month
• Enrollment Form signed date 16th31st 15th of
  the next month
• Example Enrollment Form signed on 7/29 first
  effective date available of 8/15

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Easier than ever to sell!

• Effective May 18 Submit Health Access business
  online
• www.assuranthealthsales.com
• Repositioned marketing materials
• Easier to reach broader market of individual
  consumers

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New Health Access Materials

• Reflect broader audience
• Identify everyday value for consumer
• Help consumer maximize value of limited-benefit
  plans
• Consumer brochure
• Agent engagement pieces
• Health Insurance Reference Guide

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Consumer Brochure

• Addresses need for affordable solution
• Highlights first-dollar benefits
• Details ease of qualifying for plans

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Agent Engagement Pieces

• Portfolio overview brochure and highlight
  pamphlet
• Position Health Access as solution to client
  needs, especially in this economy
• Highlight what interests agents
• Pricing
• Eligibility questions
• Valued benefits

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Health Insurance Reference Guide

• Reaffirms purchasing decision
• Provides realistic and achievable ways to stretch
  value of limited-benefit plans
• Promotes consumer education and smart choices
• Provides post-sale education and additional ways
  to maximize the benefits of the plan Limited
  benefit doesnt mean limited value!

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Materials List Highlights Other Options

• Materials available for each target customer
  segment
• Individual consumers
• Worksite

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Agent Library Presentation

• Check out the Health Access point-of-sale
  presentations in the Agent Library
• Email a presentation link to your clients
• New and revised Health Access presentations will
  be available May 15.

Health Access Individuals Families
Health Access Employers
Health Access Employees
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Health Access Sales Campaign Writing Agents
(May 16-August 16, 2009)

• Sell one AAHA policy get an Assurant mug
• Sell five AAHA policies get an Assurant 24-can
  cooler
• Prizes distributed weekly

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Health Access Sales Campaign General Agents
(May 16-August 16, 2009)

• 1 st  Tier Trip - Sell at least 25 policies
• Two-night stay at select properties in the
  continental U.S.
• Breakfast daily for two
• 100 worth of Marriott or Fairmont dollars
• 2nd Tier Trip - Sell at least 50 policies
• 3 night / 4 day trip
• 2 coach class airline tickets to Miami, Arizona,
  Napa Valley or New York
• 3 nights at select Marriott, Renaissance or
  Fairmont properties
• 300 Marriott/Fairmont dollars
• Breakfast daily for two
• Maximum number of five trips per General Agent

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New Sales Opportunities

• IL Rates reduced with the Health Link Plans in
  the northern suburbs of Chicago (zip codes
  600-605), offsetting trend
• CO Rates in many zip codes lowered to better
  align with Denver
• GA Rates in Coventry network in Macon will
  decrease 5 and have decreased in Atlanta to
  offset trend
• MI New Physicians Care network is the lowest
  priced network in Grand Rapids
• NC Rates lower on all IM plans in Charlotte
• 11 on RightStart Elite, CoreMed Elite, MaxPlan
  Elite
• 9 for One Deductible Elite and SaveRight Elite

(continued)
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New Sales Opportunities (continued)

• OK
• Rates 5 lower on all IM plans in Tulsa
• Rates 9 lower on CoreMed Elite, Max Plan Elite
  and RightStart Elite in Oklahoma City
• TN
• In Chattanooga, rates on all IM plans reduced 5
• Overall, with the Great-West network
  introduction, rates in Chattanooga will be down
  15 - 20
• TX Rates on CoreMed Elite, MaxPlan Elite and
  Right Start Elite will be reduced in these
  markets
• Austin - Reduced 4
• Corpus Christi Reduced 18
• San Antonio - Reduced 5

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HSA Tools Helps Clients Manage Funds

• Comprehensive HSA administration service no
  monthly fee
• Services include
• Efficient fund transactions and account tracking
  services
• Easy online claims payment including directly to
  providers
• Options such as a line of credit and mutual fund
  investments
• Online access to helpful medical and prescription
  drug information
• Easy access to HSA funds including a handy debit
  card
• For new and existing Assurant Health customers
  who choose HSA Tools to administer their HSAs

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Rate GuaranteesFirst time in Kansas!

• 24-month rate guarantee now available
• Stable rates help your clients plan ahead
• Optional with these plans
• CoreMed Elite 2,000 deductible and up
• MaxPlan Elite 2,500 deductible and up
• OneDeductible Elite 2,100 deductible and up
• SaveRight Eliteall deductibles
• RightStart Elite2,500 deductible and up

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CoreMed Drug Options

• Prescriptions paid as any other covered charge
• No separate copay, deductible or coinsurance
• 100 coverage after deductible and coinsurance
  satisfied
• Heres where youll see the larger discounts over
  the copay option
• Higher deductibles and/or lower coinsurances
• Females vs. Males
• Age 50
• Standard vs. Preferred
• Prescription copay option
• For clients seeking defined cost and who want
  copays
• Generic 15 copay only brand 25 copay plus
  50 coinsurance after 500 deductible is met

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Patient Care Supports Retention

• Launched in July 2008
• Keeps customers longer positive impact on
  retention
• Takes you out of the middle
• Available with all types of plans
• High deductiblesmanage out-of-pocket costs
• Health Accessmaximize limited-benefit plans
• See Agent Library and Find a Form for details

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TelaDoc Helps Control Clients Costs

• TelaDoc is another option for managing clients
  out-of-pocket costs
• Access to non-emergency healthcare by phone
  24/7
• Consultations by U.S. based, state-licensed,
  board-certified physicians
• Services for registered plan members, age 10 and
  older
• Teladoc is included as a first dollar benefit on
  all Coremed Elite and Maxplan Elite Non-Copay
  plans -3 free consultations per person each year
• Additional consultations are only 35 each and
  are subject to deductible and coinsurance
• OneDeductible Elite plans and all Short Term
  Medical plans (including HealthSaver) include
  Teladoc membership and policyholders have access
  to phone consultations for 35 each, subject to
  deductible and coinsurance

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Health Access Electronic Solution
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Health Access Quoting

• Health Access quoting will be available via
  Create A Quote
• Only major change to quoting for Health Access is
  on Quote Confirmation page
• Begin Submission button allows for electronic
  submission of Health Access
• Click here hyperlink is available for Quote
  Linking of Health Access

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Sales Home PageNow, there are two ways to quote
Health Access plans
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Create A Quote pathPlan Information page
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Quote Confirmation Page
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Quote Confirmation Page
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SubmissionSame, easy process as Individual
Medical

• Personal Information
• Submit Options
• I am with client
• Online Verification
• Health Questions (only for Plans B/C)
• 2 or 3 instead of 17
• Payment
• Authorizations/Submit to Underwriting
• Confirmation

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Health Questions
Health Access Questions all on the same
page. Each question must be answered for each
applicant in order to continue.
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Underwriting Authorization
Underwriting Authorization for Health Access
plans will match the enrollment forms.
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• Questions?

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• Thank You!

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• Youre helping change the landscape of the
  uninsured market!
• Thank you!