Elite Portfolio Roth B Robertson

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Elite PortfolioRoth B Robertson
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Elite Portfolio

• Built on Familiar plans
• MaxPlan Elite
• CoreMed Elite Plan
• RightStart Elite Plan
• OneDeductible Elite Plan
• SaveRight HSA Elite Plan

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Exclusive Features of Elite

• 25 million lifetime maximum benefit for MaxPlan
  Elite, CoreMed Elite and OneDeductible Elite
• Increased preventive services benefits
• 1,500 for MaxPlan Elite and OneDeductible Elite
• 1,000 for CoreMed Elite, RightStart Elite and
  SaveRight HSA Elite
• Eliminated 75 emergency room fee on all Elite
  plans
• New coinsurance out-of-pocket maximum amounts for
  MaxPlan Elite, CoreMed Elite and RightStart Elite
• New non-network deductibles and coinsurance
  out-of-pocket maximum amounts for all Elite plans

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Out-of-Pocket Changes

• Coinsurance out-of-pocket maximums for MaxPlan
  Elite, CoreMed Elite and RightStart Elite
• 50/50 and 60/40 coinsurance OOP increased 1,000
• 70/30 and 80/20 coinsurance OOP increased 2,000
• Non-network deductibles and coinsurance
  out-of-pocket maximums

Non-network deductible Individual deductible plus Non-network coinsurance out-of-pocket maximum
MaxPlan Elite 2,000 (Family individual x 2) 10,000 (Family 20,000)
CoreMed Elite 2,000 (Family individual x 2) 15,000 (Family 30,000)
RightStart Elite 2,000 (Family individual x 3) 15,000 (Family 30,000)
OneDeductible Elite 2,000 (Family individual 4,000) 10,000 (Family 20,000)
SaveRight HSA Elite 2,000 (Family individual x 2) 15,000 (Family 30,000)
Note Only 3 of Assurant Health PPO
policyholders use non-network providers
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Additional Product Enhancements
The Assurant Health Elite Individual Health
Insurance Portfolio is further enhanced by IM
product changes.

• Dental Plushigher-level benefits for dental
  insurance, including 75/visit for semi-annual
  well services
• Office visit copay available with 5,000 and
  10,000 deductibleson MaxPlan Elite and CoreMed
  Elite plans
• Maternity benefit waiting period 90 days for all
  plans
• Maternity option for RightStart Elite and
  SaveRight HSA Elite (in states where approved)
• Deductible credit pilot
• New customers 8 month pilot program that credits
  10 of the selected deductible when proof of
  prior coverage is provided
• Inforce customers First quarter test providing
  10 deductible credit in 2008 for selected
  renewing customers
• Available with MaxPlan Elite, CoreMed Elite and
  OneDeductible Elite.

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Elite Sample Rates CoreMed, 5,000 Ded
Market Current Plan Elite Plan
Dallas (752) 240.49 238.09
Chicago (606) 170.47 168.39
Kansas City (640) 140.31 138.80
Ft. Lauderdale (333) 190.23 188.13
Phoenix (850) 158.38 156.20
Atlanta (303) 187.34 186.63

• Assumptions
• Male, age 40 Spouse, age 40
• CoreMed, Preferred Risk, February 1, 2008
  effective date
• Current Plan 6M Lifetime Max, 5,000 Ded, 50
  Coinsurance (60 Atlanta), 3,500 coinsurance out
  of pocket (3,000 Atlanta), 750 Facility Fee,
  with 24 month rate guarantee
• Elite Plan 25M Lifetime Max, 5,000 Ded, 50
  Coinsurance (60 Atlanta), 4,500 coinsurance out
  of pocket (4,000 Atlanta), 750 Facility Fee,
  with 24 month rate guarantee
• Networks HealthLink Chicago Coventry
  Atlanta North Broward Ft. Lauderdale all
  others -- PHCS

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Elite Sample Rates OneDeductible / HSA
Market Current Plan Elite Plan
Dallas (752) 424.53 431.24
Chicago (606) 295.17 300.03
Kansas City (640) 259.01 262.83
Ft. Lauderdale (333) 356.52 361.91
Phoenix (850) 314.22 318.75
Atlanta (303) 288.68 293.43

• Assumptions
• Male, age 40 Spouse, age 40
• OneDeductible HSA, Preferred Risk, February 1,
  2008 effective date
• Current Plan 8M Lifetime Max, 5,700 Ded, 100
  Coinsurance, 12 month rate guarantee
• Elite Plan 25M Lifetime Max, 5,700 Ded, 100
  Coinsurance, 12 month rate guarantee
• Networks HealthLink Chicago Coventry
  Atlanta North Broward Ft. Lauderdale all
  others -- PHCS

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Elite Sample Rates CoreMed, 3,500 Ded
Market Current Plan Elite Plan
Dallas (752) 299.06 295.61
Chicago (606) 211.43 208.61
Kansas City (640) 175.63 173.23
Ft. Lauderdale (333) 241.89 238.58
Phoenix (850) 198.99 196.06
Atlanta (303) 236.31 234.13
Note 24 month rate guarantee available March 15
on 3,500 Deductible

• Assumptions
• Male, age 40 Spouse, age 40
• CoreMed, Preferred Risk, February 1, 2008
  effective date
• Current Plan 6M Lifetime Max, 3,500 Ded, 50
  Coinsurance (60 Atlanta), 3,500 coinsurance out
  of pocket (3,000 Atlanta), 750 Facility Fee,
  with 12 month rate guarantee
• Elite Plan 25M Lifetime Max, 3,500 Ded, 50
  Coinsurance (60 Atlanta), 4,500 coinsurance out
  of pocket (4,000 Atlanta), 750 Facility Fee,
  with 12 month rate guarantee
• Networks HealthLink Chicago Coventry
  Atlanta North Broward Ft. Lauderdale all
  others -- PHCS