1. MARK LANE GARITYADVANTAGE AGENCIES Seniors Choice Group Retiree

2. About Us

3. National Field Marketing Organization Senior Market

4. Group Retiree Medical Medicare Advantage Medicare Supplement Prescription Drug Hospital Indemnity Final Expense Senior Dental Critical Illness STC/LTC

5. Our Value Exceptional Service Comprehensive Training Marketing Support Lead Programs Market Expertise We’ll show you the path to your success!

6. Merchants Benefit Administrators, Inc. (MBA) Third Party Administrator, Scottsdale, AZ 15+ years administering Seniors Choice Trust is over 20 years old

7. Guarantee Trust Life (GTL) Mutual Reserve Insurance Co Founded in 1936 Health Accident Life Special Risk

8. National Guardian Life Groups 250 + or…

9. Medco Pharmacy Benefit Manager

10. Seniors Choice Group Retiree Medical

11. What is it? Group Medical Plan Retirees 65+ Active Employees* 65+ Medicare Parts A & B must be active Medicare must be primary

12. Why Seniors Choice?

13. #1 Employer concern is rising employee benefit cost Finding innovative ways to control those costs gives you an edge in getting (or keeping) their group business.

14. Who’s it for??

15. Tax Equity & Fiscal Responsibility Act of 1982 TEFRA

16. 20 + = Medicare Secondary

17. 1 - 19 = Medicare Primary Non - TEFRA

18. Large Companies At least 20 + Employees

19. Seniors Choice is a Group Retiree Plan

20. Group Medical and Rx coverage Retirees only Contributory or non-contributory Creditable Part D Plan Brand Name Coverage through the Gap

21. For small companies Fewer than 20 employees or just 1

22. Seniors Choice is a Group Medical Plan for working, benefit eligible employees as well as retirees Must be 65+ Must have Medicare Part A & Part B Available down to 1 life

23. Why is carving out Seniors a good idea?

24. Reduces the average age of the group = Lower Group Rates

25. Lower Rates =

26. Employer Contributions are still deductible as Employee Benefit expenses

27. Improves coverage and lowers costs for 65+ Reduces out of pocket costs vs most benefit plan designs

28. Seniors Choice Features

29. Multiple Deductible Options $0 deductible - $4,000

30. No Medical Questions

31. See any Medicare Provider

32. Extends Hospitalization Coverage 365 Days beyond Part A

33. No Primary Care Physician

34. No Referrals Necessary

35. Creditable Part D Coverage

36. Foreign Travel Emergency Care 1 st 60 days outside the USA $50,000 Lifetime max

37. Eligibility Must be sponsored by an employer group Non-Profits May be sold to: Proprietorships Partnerships LLC’s Corporations Unions Government Entities

38. 8% years 1 & 2 7% years 3+ Commissions not payable on Administration Fees

39. Questions??

40. Thank You! GARITYADVANTAGE AGENCIES The Path to Your Success! www.garityadvantage.com 1-800-234-9488 mlane@garityadvantage.com