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Assurant Affordable Health Access & 9/1/08 Enhancements presented by RSD Greg Loerzel.

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1 Assurant Affordable Health Access & 9/1/08 Enhancements presented by RSD Greg Loerzel

2 Agenda Assurant Affordable Health AccessAssurant Affordable Health Access EASE- Test Drive EASE- Test Drive One Decreasing DeductibleOne Decreasing Deductible Patient Care Patient Care Rates take a DIVE! Rates take a DIVE! Tele-DOC Tele-DOC KeyMed KeyMed Assurant Affordable Health AccessAssurant Affordable Health Access EASE- Test Drive EASE- Test Drive One Decreasing DeductibleOne Decreasing Deductible Patient Care Patient Care Rates take a DIVE! Rates take a DIVE! Tele-DOC Tele-DOC KeyMed KeyMed

3 Assurant Affordable Health Access (IMployee SM ) The health insurance solution for employees’ individual needs

4 Assurant Affordable Health Access Assurant Affordable Health Access limited-benefit plans Solution for rising cost of health care Individual medical for employees (full-time, part-time, seasonal, contractors) and employee family members Offers alternative to group coverage Assurant Affordable Health Access limited-benefit plans Solution for rising cost of health care Individual medical for employees (full-time, part-time, seasonal, contractors) and employee family members Offers alternative to group coverage

5 Who is in the market for Assurant Affordable Health Access? Employers likely to drop coverage Employer sponsorship of coverage continues to decline as a result of rising premiums. The smaller the business, the greater the trend. Health Insurance Coverage of the Nonelderly Population, Working Uninsured While many of the uninsured are poor or near poor, nearly 35% could afford health insurance. This initiative is focused on two specific market opportunities M 1.Kaiser Commission on Medicaid and the Uninsured. The Uninsured: A Primer, Key Facts about Americans without Health Insurance. The Henry J. Kaiser Family Foundation. October 2006.

6 Who are the Working Uninsured? Healthcare Behaviors Not having health insurance impacts their lifestyle Getting less health care for themselves than for their families Going to the ER the same amount as when they last had health insurance Getting less health care than they need (both preventive an at-need basis) Avoid risky situations Demographics The working uninsured are more likely to be women than men. They are age 25-54, with 1 or 2 children and have less than a college education. Most have a household income under $50, % have previously had health insurance. Purchase Motivators Their reasons for buying are similar to the traditional IM consumer See health insurance as protection Feel they are taking a risk by not having health insurance Having health insurance would give them peace of mind Scared that something might happen to them medically that they can’t afford to pay for Believe that a major health problem would be financially disastrous for them Worry about going into debt if they have to pay for medical care

7 Who are the Droppers? “I plan to stop offering health coverage to my employees due to rising costs.” “I would eliminate health insurance benefits if I could but my employees expect it.” Firmographics Growing businesses Older companies that have been offering HI for a long time. Construction, Health Care, Consulting, Agricultural Demographics Owners may have an individual medical plan themselves years Employees: — earn 25-50K — white collar & blue collar — would turn down a job due to health insurance Attitudes Cost of health insurance is the driver of the dropping attitudes Generally negative attitudes toward health insurance Ability to offer is dependent on company performance See insurance as important, responsibility Worry about employees /family Highly price sensitive Behaviors They are shoppers Will work with agent Will administer payroll deduction Less likely to offer to dependents currently Don’t like the hassle of health insurance, Do not involve employees in decisions about health insurance Use an agent, but don’t speak with them often

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

9 Health Access Product Overview Available in IA, IL, MI, MO, MS, PA, SC, TN, WY No benefit waiting periods Based on consumer research, covers what is important to employees —Doctor office visits and prescription drugs —Preventive care and immunizations Network discounts Affordable Portable Optional benefits such as Dental-Vision Discount Plan, Dental Insurance and Cancer Benefit Available in IA, IL, MI, MO, MS, PA, SC, TN, WY No benefit waiting periods Based on consumer research, covers what is important to employees —Doctor office visits and prescription drugs —Preventive care and immunizations Network discounts Affordable Portable Optional benefits such as Dental-Vision Discount Plan, Dental Insurance and Cancer Benefit

10 Health Access Plan A Overview No medical questions Eligibility rules apply —Applicants through age 63 are eligible —Not employer-sponsored —Health Advocates Alliance Membership (some states) Benefits for every day needs Easy to apply for: —No underwriting —No pre-existing condition limitations —No ratings —No special exception riders —No condition-specific deductibles —No modified benefit endorsements No medical questions Eligibility rules apply —Applicants through age 63 are eligible —Not employer-sponsored —Health Advocates Alliance Membership (some states) Benefits for every day needs Easy to apply for: —No underwriting —No pre-existing condition limitations —No ratings —No special exception riders —No condition-specific deductibles —No modified benefit endorsements

11 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

12 Health Access Plan A – Premium Rates Age Bands Primary $34$40$43$48$61 Primary & Spouse NA$80$86$96$122 Primary w/1 child NA$74$77$82$95 Primary w/2 or more children NA$121$124$129$142 Primary & Spouse with 1 child NA$114$120$130$156 Primary & Spouse with 2 or more children NA$166$172$182$208

13 Health Access Plans B or C Product Overview Limited medical questions Applicants through age 63 are eligible Inpatient, outpatient and prescription drug benefits Easy to apply for: —Accept/Reject application —No ratings —No special exception riders —No condition-specific deductibles —No modified benefit endorsements Limited medical questions Applicants through age 63 are eligible Inpatient, outpatient and prescription drug benefits Easy to apply for: —Accept/Reject application —No ratings —No special exception riders —No condition-specific deductibles —No modified benefit endorsements

14 Health Access Plans B or C PLAN BPLAN 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 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 ServicesInpatient 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 SurgeonUp to 20% of amount paid for surgery AnesthesiologistUp to 20% of amount paid for surgery

15 Health Access Plans B or C PLAN BPLAN C Ambulance (Ground/Air) Up to $100 ground/$1,000 air — per trip, up to two trips per calendar year Emergency RoomUp to $250 in benefits for each of two Up to $750 in benefits for each of two visits per calendar year 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 Life InsuranceUp to $10,000 benefit included for primary Lifetime Maximum$ 1 Million

16 Network and Discounts The Health Access plans are not PPO plans Passive discounts through MultiPlan —www.MultiPlan.com/assurant Choice of doctors and hospitals No out-of-network fees LabCard Select (LabOne) offers discounts on covered outpatient laboratory services —www.LabCardSelect.com Additional Discount Opportunities —www.assuranthealth.com/corp/ah/ customers/findancillary provider The Health Access plans are not PPO plans Passive discounts through MultiPlan —www.MultiPlan.com/assurant Choice of doctors and hospitals No out-of-network fees LabCard Select (LabOne) offers discounts on covered outpatient laboratory services —www.LabCardSelect.com Additional Discount Opportunities —www.assuranthealth.com/corp/ah/ customers/findancillary provider

17 Rates Simplified rating —Not gender rated —Not area rated —Not rated for risk class —No smoker status —Has very broad age bands —Based on age of primary applicant 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 Simplified rating —Not gender rated —Not area rated —Not rated for risk class —No smoker status —Has very broad age bands —Based on age of primary applicant 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

18 Competitors’ Limited-Benefit Plans Other Carriers’Assurant Health Application FeeNo Application Fee Waiting periodBenefits start day one Doctor Office Visit Copays —Reimbursement — Insured pays everything upfront and insurer then reimburses Doctor Office Visit Copays —Insured has health insurance card —Insured pays copay and then plan pays Prescription Discount Card —Receives discounts rather than actual coverage Prescription Drug Coverage —Insured pays copay and then plan pays Designated Networks for DoctorsInsureds can go to any doctor No discounts after benefit maximums are met Discounts still apply even after benefit maximums are met

19 Two Quoting Options Online Quoting —Access through home page of under IMployee —Quote plans and optional coverage together —Print quote and submit with Enrollment Form Rate Sheet —Convenient to submit with paper Enrollment Form —Please follow the instructions on the rate sheet when submitting to avoid delays Online Quoting —Access through home page of under IMployee —Quote plans and optional coverage together —Print quote and submit with Enrollment Form Rate Sheet —Convenient to submit with paper Enrollment Form —Please follow the instructions on the rate sheet when submitting to avoid delays

20 Enrollment Forms New, simple, and consumer-friendly Enrollment Forms Easy submission — fax your paper Enrollment Forms to underwriting (instructions are on form) along with a quote or rate sheet —Health Access Plan A Enrollment Form —Health Access Plan B or C Enrollment Form —Complete Enrollment Form in its entirety for fast service State-specific Enrollment Forms are on Find A Form (www.assuranthealthsales.com) Packets including both Enrollment Forms, rate sheets and tip sheets can be ordered from supply New, simple, and consumer-friendly Enrollment Forms Easy submission — fax your paper Enrollment Forms to underwriting (instructions are on form) along with a quote or rate sheet —Health Access Plan A Enrollment Form —Health Access Plan B or C Enrollment Form —Complete Enrollment Form in its entirety for fast service State-specific Enrollment Forms are on Find A Form (www.assuranthealthsales.com) Packets including both Enrollment Forms, rate sheets and tip sheets can be ordered from supply

21 Effective Date Rules Options are 1st or 15th of the month —This is to simplify the List Bill process How to know which to choose: —Enrollment Form signed date 1st-15th = 1st of the next month —Enrollment Form signed date 16th–31st = 15th of the next month —Example: Enrollment Form signed on 7/29 = first effective date available of 8/15 Options are 1st or 15th of the month —This is to simplify the List Bill process How to know which to choose: —Enrollment Form signed date 1st-15th = 1st of the next month —Enrollment Form signed date 16th–31st = 15th of the next month —Example: Enrollment Form signed on 7/29 = first effective date available of 8/15

22 Assurant Affordable Health Access Ease Screens

23 Assurant Affordable Health Access Quoting –EASE –Manual Rate Sheets –NO desktop software capabilities we will need to use EASE also Quoting –EASE –Manual Rate Sheets –NO desktop software capabilities we will need to use EASE also

24 Health Sales Site – Launch the IMployee tools Click here to proceed

25 Import a Group 1. Enter the following if you know it: -Business Name -Business State -Last Saved Date 3. Next Click on the Business Name to proceed 2. Click Search to return results

26 No Group Quote? Set-up a Business Enter the following: -Business name -ZIP Code -Number of employees -Effective Date Click next to proceed

27 Employee Information Dashboard - Create a Quote – To create a quote for Joe click here

28 Create a Quote Select a plan type and click ‘Next’

29 Plan Information Select the plan and payment frequency Click next once plan information is selected

30 Assurant Affordable Health Access Effective Date Rules –The effective date of the policy will be based on the application signature date. If the application signature date is the 1 st through the 15 th, the earliest possible effective date will be the 1 st of the following month. If the application signature date is the 16 th through the 31 st, the earliest possible effective date will be the 15 th of the following month. The next 1 st or 15 th of the month after the earliest effective date is also an acceptable requested effective date. –The requested effective date must be within 45 days of the application signature date. This is the same rule as for currently marketed products. Effective Date Rules –The effective date of the policy will be based on the application signature date. If the application signature date is the 1 st through the 15 th, the earliest possible effective date will be the 1 st of the following month. If the application signature date is the 16 th through the 31 st, the earliest possible effective date will be the 15 th of the following month. The next 1 st or 15 th of the month after the earliest effective date is also an acceptable requested effective date. –The requested effective date must be within 45 days of the application signature date. This is the same rule as for currently marketed products.

31 Effective Date Rule If the effective date originally selected does not meet the business rules you are presented with new options Click ‘Update Effective Date’ to proceed

32 Select your plan Select the plan information and click ‘Next’

33 A Summary of the Quote ‘Start New Quote takes you back to the employee information screen. Click ‘Next’ to continue

34 EASE - Take a Test Drive

35 Take a Test Drive Experience EASE in a training environment –No worries –Quote and Submission –Works exactly the same –Available 24x7 Experience EASE in a training environment –No worries –Quote and Submission –Works exactly the same –Available 24x7

36 Home Page

37 Take A Test Drive

38 One Decreasing Deductible

39 Best for Clients Who: Value benefits provided with OneDeductible Plan Understand savings advantages of a high deductible Want to be rewarded for long-term loyalty to plan Don’t want to be penalized for using insurance plan Value benefits provided with OneDeductible Plan Understand savings advantages of a high deductible Want to be rewarded for long-term loyalty to plan Don’t want to be penalized for using insurance plan

40 Features of OneDeductible Individual Deductible of $2,850 or higher Family Deductible of $5,700 or higher 100% Coinsurance Available with or without a Health Savings Account (in Georgia, available only with an HSA plan) Individual Deductible of $2,850 or higher Family Deductible of $5,700 or higher 100% Coinsurance Available with or without a Health Savings Account (in Georgia, available only with an HSA plan)

41 One Decreasing Deductible Plan deductible credits issued two times per year Deductible credits automatically applied Each deductible credit is 10% of the original plan deductible Credits awarded in January and July Clients may never pay their full deductible again! Plan deductible credits issued two times per year Deductible credits automatically applied Each deductible credit is 10% of the original plan deductible Credits awarded in January and July Clients may never pay their full deductible again!

42 Here’s an example: Deductible $5,000 x 10% Deductible credit$ 500 Twice annually x 2 $1,000 credit each year! Deductible $5,000 x 10% Deductible credit$ 500 Twice annually x 2 $1,000 credit each year!

43 To Receive Deductible Credits: Policy must be effective for at least two months Plan deductible has not been satisfied for year; (deductible will reset and credits resume in following year) One Decreasing Deductible has not decreased below minimum levels; (deductible minimums ensure compliance with federal HSA requirements) Policy must be effective for at least two months Plan deductible has not been satisfied for year; (deductible will reset and credits resume in following year) One Decreasing Deductible has not decreased below minimum levels; (deductible minimums ensure compliance with federal HSA requirements)

44 The Decreasing Deductible Example: $5,000 Single Deductible The effective deductible will go as low as: Assurant Health applies deductible credit up to: $1,500 Single $3,000 Family $3,500 Single $7,000 Family As deductible credits accumulate, the effective deductible decreases! $1,500

45 If a Claim Occurs: $2,500 Example: $5,000 Single Deductible Effective Plan deductible: Assurant Health applies deductible credit up to: $2,500 Single Example: $6,000 Claim Occurs in March, 2011 Customer pays only $2500 for deductible Deductible credit covers remaining $2500 of deductible. In total, plan pays $3500 for claim. Deductible will reset and credits resume in January 2012 $6,000 Claim

46 Recap—One Decreasing Deductible Applies to OneDeductible plans with 100% coinsurance and deductibles of $2,850 (individual) or $5,700 (family) or higher Rewards clients with 10% Deductible Credit Reduces deductibles down to: –$1,500 for an individual –$3,000 for a family Applies to OneDeductible plans with 100% coinsurance and deductibles of $2,850 (individual) or $5,700 (family) or higher Rewards clients with 10% Deductible Credit Reduces deductibles down to: –$1,500 for an individual –$3,000 for a family

47 Available in Arkansas Alabama Arizona California Colorado DC Florida Georgia Idaho Iowa Illinois Arkansas Alabama Arizona California Colorado DC Florida Georgia Idaho Iowa Illinois Indiana Louisiana Maryland Michigan Missouri Montana Nebraska North Carolina Ohio Oklahoma Pennsylvania South Carolina Tennessee Texas Virginia Wisconsin Wyoming

48 Patient Care is an independent advocacy company and is not affiliated with Assurant Health. Patient Care

49 Background Research shows that consumers: Are often confused by the health care system Respond favorably to having access to an independent health care advocate Found this more appealing than our well received multi-year rate guarantees Research shows that consumers: Are often confused by the health care system Respond favorably to having access to an independent health care advocate Found this more appealing than our well received multi-year rate guarantees

50 Interest in Healthcare Advocate by Current Deductible Interest regarding the Healthcare Advocate among consumers who currently have a high deductible is greater than with consumers who have a lower deductible. Top 3 Box +11.2%+9.0%+14.2% $126 / $129 Premium Assurant Health Proprietary InformationSource: 2008 Rx Benefit Conjoint6

51 Patient Care Overview Experienced national leader in independent health care advocacy services Provides a point of contact who serves as: –An Advocate — working with insureds to answer questions, help reduce frustration and confusion, and better understand their health care benefits –A resource — providing cost and quality information to better inform insureds –A problem solver — working with health care entities to work through issues — thus taking customers out of the middle Experienced national leader in independent health care advocacy services Provides a point of contact who serves as: –An Advocate — working with insureds to answer questions, help reduce frustration and confusion, and better understand their health care benefits –A resource — providing cost and quality information to better inform insureds –A problem solver — working with health care entities to work through issues — thus taking customers out of the middle

52 Unique Service Provides Value Compare Costs Prior to a procedure or test, an Advocate can compare costs for services of 2-3 network providers Customers can choose the most cost-effective care and may reduce the amount they pay out-of-pocket Provide Quality Data Number of procedures performed per year Complication rate Safe practice standards High-risk procedure capabilities Specialist staffing in ICU Helps customers become better health care consumers Compare Costs Prior to a procedure or test, an Advocate can compare costs for services of 2-3 network providers Customers can choose the most cost-effective care and may reduce the amount they pay out-of-pocket Provide Quality Data Number of procedures performed per year Complication rate Safe practice standards High-risk procedure capabilities Specialist staffing in ICU Helps customers become better health care consumers

53 Sample Cost Comparision Costs vary more than $600! Costs vary more than $2,800! Knowing the costs up front can help clients choose the most cost-effective care!

54 Sample of Quality Data

55 Patient Care Availability Patient Care services are available to customers covered by Individual Medical, KeyMed, Short Term Medical, and Real Choices plans with effective dates July 1, 2008 and later. Also available with Assurant Affordable Health Access Plans with August 15 effective dates and later. Patient Care services are available to customers covered by Individual Medical, KeyMed, Short Term Medical, and Real Choices plans with effective dates July 1, 2008 and later. Also available with Assurant Affordable Health Access Plans with August 15 effective dates and later.

56 Magnet HIPAA Letter Brochure Welcome Letter Patient Care does not determine medical necessity or provide clinical advice. Patient Care Fulfillment Materials

57 Patient Care Fulfillment Mailings Policies with 7/1/08 effective dates: Issued prior to 7/1/08 –Patient Care kit mailed separately Issued after 7/1/08 –Patient Care kit mailed with policy packet Policies with 7/1/08 effective dates: Issued prior to 7/1/08 –Patient Care kit mailed separately Issued after 7/1/08 –Patient Care kit mailed with policy packet

58 Point-of-Sale Pamphlet Highlights Patient Care’s services ─ especially the cost- saving features Cost-saving features especially helpful for clients with high deductible plans Pamphlet can be ordered from Supply (Form 29895) or downloaded from Highlights Patient Care’s services ─ especially the cost- saving features Cost-saving features especially helpful for clients with high deductible plans Pamphlet can be ordered from Supply (Form 29895) or downloaded from Now Available!

59 Rate Reductions

60 New! Rate Reductions Sizeable reductions in Colorado, Maryland, Michigan, Montana, and Wisconsin (eastern) Reductions ranging from10%—47% Rates vary by plans—CoreMed and HSAs most competitive in many markets Maintained 2 and 3 year rate guarantees Applies to all deductibles and coinsurance options Sizeable reductions in Colorado, Maryland, Michigan, Montana, and Wisconsin (eastern) Reductions ranging from10%—47% Rates vary by plans—CoreMed and HSAs most competitive in many markets Maintained 2 and 3 year rate guarantees Applies to all deductibles and coinsurance options

61 Double-digit rate reductions Reductions state-wide for all deductible and coinsurance options –Colorado—reduced 22% to 44% –Maryland—reduced 12% to 28% –Michigan—reduced 12% - 47% –Montana—reduced 15% - 36% Targeted area reductions –Eastern Wisconsin—reduced up to 10% - 20% Reductions state-wide for all deductible and coinsurance options –Colorado—reduced 22% to 44% –Maryland—reduced 12% to 28% –Michigan—reduced 12% - 47% –Montana—reduced 15% - 36% Targeted area reductions –Eastern Wisconsin—reduced up to 10% - 20%

62 Alaska: -5% Arkansas: Fort Smith, Pine Bluff -10% Iowa: Des Moines, Cedar Rapids -5% Indiana / Kentucky: Evansville-Henderson -5% Louisiana: New Orleans, Lafayette, Alexandria -5% Oklahoma: Fort Smith -10% Pennsylvania: Sharon -10%; Reading, Williamsport, Erie, Altoona -5% Texas: Odessa-Midland, Tyler, Longview-Marshall, El Paso, Abilene, Waco -5% Alaska: -5% Arkansas: Fort Smith, Pine Bluff -10% Iowa: Des Moines, Cedar Rapids -5% Indiana / Kentucky: Evansville-Henderson -5% Louisiana: New Orleans, Lafayette, Alexandria -5% Oklahoma: Fort Smith -10% Pennsylvania: Sharon -10%; Reading, Williamsport, Erie, Altoona -5% Texas: Odessa-Midland, Tyler, Longview-Marshall, El Paso, Abilene, Waco -5% Other Rate Reductions

63 12%-28% lower rates on CoreMed 21%-25% lower rates on One Deductible & SaveRight HSA 12%-25% lower rates on MaxPlan 12%-20% lower rates on RightStart 12%-28% lower rates on CoreMed 21%-25% lower rates on One Deductible & SaveRight HSA 12%-25% lower rates on MaxPlan 12%-20% lower rates on RightStart Reductions by plan

64 Maryland Rate Example Individual Medical Company Assurant Health Golden Rule Plan NameCoreMedCopay Select Deductible$1,500 Coinsurance80% Premium$504.52$ Baltimore zip 21001, Male 42 standard rate, Female 42 Preferred Rate, 2 children, $35 copay, no facility fees

65 Pennsylvania Rate Examples Individual Medical CompanyAssurant Health Golden Rule Plan NameCoreMedCopay Select Deductible$1,500 Coinsurance80% Premium by zip code Reading Altoona Erie Allentown $ $ $ $ $ $ $ Male 42 Preferred rate, Female 42 Preferred rate

66 Tele-Doc 9/1 and later effective dates

67 *TelaDoc doesn’t replace a primary care physician— but when a physician isn’t available, TelaDoc is there.

68 TelaDoc—Convenient Access 24 hours a day, 365 days a year Clients call toll free or go online Medical records stored securely and available online –Client can update –Client can share with their doctor Available for patients 12 years and older Access 24 hours a day, 365 days a year Clients call toll free or go online Medical records stored securely and available online –Client can update –Client can share with their doctor Available for patients 12 years and older

69 TelaDoc—Credible State-licensed, board-certified primary care physicians Live and work in the U.S. Average 14 years experience Detailed credentialing process Physicians know when to treat and when to refer More than one million members In surveys, 95% of callers would: –Use service again –Recommend it to others State-licensed, board-certified primary care physicians Live and work in the U.S. Average 14 years experience Detailed credentialing process Physicians know when to treat and when to refer More than one million members In surveys, 95% of callers would: –Use service again –Recommend it to others

70 TelaDoc—Cost-effective With MaxPlan SM and CoreMed SM Plans –Three FREE consultations per person each year –$35 fees for additional consultations are covered subject to deductible and coinsurance Pay securely by credit card, debit card, or electronic payment With OneDeductible Plans –$35 consultation fees are covered subject to deductible and coinsurance Pay securely by credit card, debit card, or electronic payment With MaxPlan SM and CoreMed SM Plans –Three FREE consultations per person each year –$35 fees for additional consultations are covered subject to deductible and coinsurance Pay securely by credit card, debit card, or electronic payment With OneDeductible Plans –$35 consultation fees are covered subject to deductible and coinsurance Pay securely by credit card, debit card, or electronic payment All terms, limits, and conditions of the Assurant Health contract apply.

71 How it works TelaDoc Physicians: Provide diagnosis Recommend treatment Prescribe short-term medication* Examples of common conditions physicians consult and treat: –Sinusitis/respiratory infections –Urinary tract infections –Allergies Answer medical questions When appropriate, prescribe convenience (limited-quantity) refills* TelaDoc Physicians: Provide diagnosis Recommend treatment Prescribe short-term medication* Examples of common conditions physicians consult and treat: –Sinusitis/respiratory infections –Urinary tract infections –Allergies Answer medical questions When appropriate, prescribe convenience (limited-quantity) refills* *TelaDoc does not prescribe DEA-controlled substances.

72 How it works Consultation process*—a TelaDoc physician: Reviews medical record Calls client—typically within an hour Recommends treatment or refers client to primary care physician Updates medical record Prescribes a short-term medication, if appropriate –TelaDoc calls the prescription in to client’s pharmacy * Prior to contacting TelaDoc, client fills out medical history disclosure. Consultation process*—a TelaDoc physician: Reviews medical record Calls client—typically within an hour Recommends treatment or refers client to primary care physician Updates medical record Prescribes a short-term medication, if appropriate –TelaDoc calls the prescription in to client’s pharmacy * Prior to contacting TelaDoc, client fills out medical history disclosure.

73 TelaDoc Assurant Health is the first national IM carrier to offer plans with TelaDoc Medical Services Available with MaxPlan, CoreMed, and OneDeductible plans Available with new business effective September 1, 2008, and later Not available on plan designs with an Office Visit Copay option Not available in CT, FL, GA, ID, KY, MN, MT, NH, NV, OK, OR, SC, or TN Assurant Health is the first national IM carrier to offer plans with TelaDoc Medical Services Available with MaxPlan, CoreMed, and OneDeductible plans Available with new business effective September 1, 2008, and later Not available on plan designs with an Office Visit Copay option Not available in CT, FL, GA, ID, KY, MN, MT, NH, NV, OK, OR, SC, or TN

74 KeyMed SM Assurant Health impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This is not a major medical insurance plan and is not a replacement for one. Applicants are individually underwritten and some individuals may not qualify.

75 New State Availability for July 26 AK, ID, KS, MD, ND, NM, WV 7 States ─ effective date July 27 KeyMed is already available in AL, AR, AZ, CO, DE, FL, IA, IL, IN, LA, MI, MO, MS, NC, NE, OH, OK, PA, SC, SD, TN, TX, WI, WY

76 KeyMed SM Underwriting enhancements –No additional underwriting load added for most apps reporting hypertension –Positive impact for 85% of hypertension apps –Improved approach on applying ratings to multiple conditions Counter-offers –KeyMed plan offered to major medical declines where appropriate Underwriting enhancements –No additional underwriting load added for most apps reporting hypertension –Positive impact for 85% of hypertension apps –Improved approach on applying ratings to multiple conditions Counter-offers –KeyMed plan offered to major medical declines where appropriate

77 TX NM AZ CA NV MT ID WY UT CO ND SD NE KS LA AR MO IA MN WI MI IL MS FL GA KY IN OH PA NY SC NC VA WV ME VT NH MA RI CT NJ MD DC DE WA OR TN OK AL AK KeyMed SM Availability Individual Medical plans not available HI KeyMed available KeyMed available July 26

78 Thank you! Thank you for attending! Your Regional Sales Office Greg Loerzel, RSD TIME(8463) *Follow up materials will be sent to the you used during registration* Thank you for attending! Your Regional Sales Office Greg Loerzel, RSD TIME(8463) *Follow up materials will be sent to the you used during registration*


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