Healthcare Strategies

Insert Insurance License Here About Me Insert Photo 1 Here Insert Insurance License Here Insert Photo 2 Here

About Me This is a paragraph about me. This is a paragraph about me. This is a paragraph about me. This is a paragraph about me. This is a paragraph about me. This is a paragraph about me. This is a paragraph about me. This is another paragraph about me. This is another paragraph about me. This is another paragraph about me. This is another paragraph about me. This is another paragraph about me. This is another paragraph about me. This is another paragraph about me.

A Few of the Companies We Represent Nationwide, more than 96% of hospitals and 92% of professional providers contract with Blue Cross and Blue Shield companies — more than any other insurer. With over 11.1 million customers in the United States, the company is the largest (by revenues) Fortune 100 company headquartered in the Commonwealth of Kentucky, and has a market cap of over US $13 billion. Philadelphia American Life is an innovative company specializing in defined benefit and GAP protection. Established in 1978 with outstanding customer satisfaction ratings (Zero complaints, verifiable with the state of Texas). Headquartered in New York City, Assurant is 310 on the Fortune 500 list of the largest publicly traded companies in the United States. It also is included in the Ward’s 50, which recognizes the top property-casualty insurance companies domiciled in the United States. Coventry provides a full range of risk and fee-based managed care products and services to a broad cross section of individuals, employer and government-funded groups, government agencies, and other insurance carriers and administrators. It is currently ranked the third most successful prescription drug plan service in the United States.

A Little About You Name _______________ Age ____ Name _______________ Age ____ Ht _______ Wt _______ Ht _______ Wt _______ Tobacco Use (Type) _____________ Tobacco Use (Type) _____________ Income ______________ Income ______________ Company _______________ Company _______________ How Long? _________ How Long? _________ Mortgage _________________________ Monthly Payment ______________ 401K,CD’s, retirement accounts from previous companies ________________________________ Children (Name/Age) _________________________________________________________ Current Policies (Type/Face Amt) _______________________________________________ Medications (Name/Dosage/Reason) ____________________________________________ ____________________________________________________________________________ Major Operations (Type/Date/Hospital Stay) ______________________________________ Criminal or Driving Record ______________________________________________________ Military Member (orders for deployment overseas) ____________________________________________________________________________ Citizenship ___________________________________________________________________

Health Insurance Disclosures Application fees for medical underwriting are non- refundable. You must have a checking account All Defined Benefit and GAP products are subject to medical and occupational qualification Defined Benefit coverage is excepted benefit under the Affordable Care Act, which would asses a penalty when purchased without a “qualified coverage” Pre-existing conditions may apply to some choices, this may allow you to access lower premiums

Will you have a penalty? Are you Exempt? (https://www.healthcare.gov/exemptions/) Are you a member of an Indian Tribe? You don’t have to file a tax return because your income is too low 10k for an individual and 20k for a family in 2013. Do you have access to the Veterans Affairs health system or Tricare? Religious objection The lowest cost plan (bronze level) exceeds 8% of your AGI Let’s estimate your penalty Estimate your Adjusted gross Income

Where are you now? What do you currently have? What do you like about it? What don’t you like about it? In an ideal world, what would your plan be like?

Defined Benefit Vs. Maj Med Major Medical Information Privacy Network Flexibility Net Positive Benefit $$ First Dollar Coverage Affordable Premiums One stop shopping Realistic Deductibles Medical Underwriting

What Happens Next We will review your options and you will pick the option that best fits you and your family’s needs. We will fill out the application(s) form, sign it and submit it with a draft and effective date for the first month. The insurance company may call you to verify information and do a RX check. This usually happen within 48 hours. Sound Good?

Outpatient Benefits

Hospital Confinement

Surgical Services **Policy Fee Schedule is based on the Huston, TX Medicare rates

Additional Coverage Options

What Will Happen if? What happens when I go to the doctor? What happens if I have cancer? What happens if I have a heart attack? What happens if I get in an accident? What happens if I have to go to the hospital?

Your Quote Major Medical Hybrid Defined Benefit Penalty:_______ Prem: Pros: Unlimited Benefits For significant Pre-Ex Co-pays Non-Integrated RX Access to Accident coverages No tax penalty assessed 10 essential benefits Cons: Significant premiums Deductibles must be met first Occurrence based deductibles No personal Income protection Co-ordinates benefits No Pre-X on Major Med Co-pay Optional Rx-coverage Has health and income protection Additional coverage for accidents Lump Sum for Critical Illnesses No tax Penalty assessed Very little out of pocket expense Income protection opportunities Both Co-0rdinatated and Non working together Deductible is “gapped” Pre-X in deductible More expensive than Defined benefit Lowest Cost Option Risk specific, Pay for what you need First dollar benefits Split Deductible Health and Income protection No coordinated benefit Limited RX benefit Excess benefit opportunities No income questions No 10 essential benefits “Off Grid” Event based Benefits are defined Tax Penalty must be weighed RX is very limited on Brand Name Prem: Savings:

Emergency Response System