AHCP & Health Insurance Innovations Med Plus STM Health Essential LM Training AHCP & Health Insurance Innovations Med Plus STM Health Essential LM Training

Who is the Carrier – Short Term Medical Starr Indemnity & Liability Insurance Company In business since 1919 Offering property & casualty, stop loss and health insurance products Licensed in all states Rated A (excellent) by A.M. Best

Who is the Carrier – Limited Medical United States Fire Insurance Company Division of Crum & Forster $1Billion in capital Founded in 1896 Main lines – property & casualty Nationally licensed Rated A (excellent) by A.M. Best

Who is Health Insurance Innovations? TPA & MGU based in Tampa, FL Provides online solutions for niche markets, specializing in STM 3 rd generation of niche marketing Exclusive distributor for Med Plus Starr STM Exclusive distributor for Essential Health LM by US Fire

The Uninsured Market The Numbers 9 Million unemployed 22 Million Part-time & Seasonal Employees 5 million Graduates 2.5 Million in a Waiting Period 900,000 Divorces.3 Million military dischargees Growing number of non-US citizens who need health insurance 50% of individuals who seek individual medical are uninsured

Short Term Medical Markets Those who want more coverage than a discount plan or LM Cover individuals during IM underwriting period Those who find IM too expensive Those who have a questionable health history … may be declined or ridered on a major medical Anyone who needs coverage immediately…while they are shopping for something more permanent Employees working for employers who offer no health benefits Individuals looking for an alternative to COBRA Employee’s dependents who do not qualify for group coverage Self employed

Limited Medical Markets Cannot secure traditional health insurance due to health conditions ◦ Declines Want to supplement coverage customer already has ◦ High deds & out of pocket Traditional insurance too expensive Need insurance coverage immediately

STM Product Description Individual Major Medical with durations from 30 days to 12 months at a time (varies by state) Unlimited reapplies in most states Lowest rates on the market $2 million per policy max per person Choice of deductibles: $250, $500, $1000, $2500 & $5000 Coinsurance: 80/20 & 50/50 to $5,000 & $10,000 Single & monthly payments (credit card, debit card, check & ACH) Instant effective dates or up to 60 days forward ◦ 12:01 am the next day Accept or reject underwriting, on the spot acceptance Use ANY doctor or hospital ◦ Beechstreet network to receive add’l discounts

STM Product Description Doctor office & urgent care co-pay: ◦ 3 $50 co-pays per person per policy $25,000 worldwide benefit ◦ For claims that occur outside the US ◦ Additional $250 deductible Eligibility ◦ Ages 2 thru 65 ◦ Dependents under age 19 or 25 if full time student ◦ No social security # is required (must be legal resident of the US for the past 12 months) 4 tier drug card included in product: ◦ Up to $10, $20, $50 flat rates for approx 7,000 drugs ◦ Others receive discount benefit up to 50% State availability: Available in 35 states, approvals coming in weekly

Limited Med Product Description Guaranteed issue – ages $1million lifetime max In-hospital daily indemnity – choice of $500, $750, $1000 or $1500 per day Surgery, Anesthesia, lab, x-ray, wellness, ER & ambulance benefits Dr. office visits – choice of $25, $50 or $75 per visit benefit Doctor office copay options ($30 and $20 per visit) $2,000 accidental injury benefit $10,000 ad&d benefit Non-US citizens can purchase

Limited Med Product Description 4 tier drug card included in product: ◦ Up to $10, $20, $50 flat rates for approx 7,000 drugs ◦ Others receive discount benefit up to 50% Waiting periods – none for accidents, 30 days for sickness Use ANY doctor or hospital ◦ Beechstreet network to receive add’l discounts Monthly payments – Credit or debit card, ACH State availability: NOT in AK, CT, KS, MD, ME, VT, NY & NJ

Sales Process – Online Tools Insured’s experience ◦ Ability to research the product, get a quote, apply online, get accepted on the spot. Coverage begins as early at 12:01am the next day. ID cards & fulfillment ed immediately Agent’s experience ◦ Back office to view business ◦ notification

Fulfillment Process – STM & LM Both products, coverage can begin as early as 12:01 am the day after submission Insured will receive online fulfillment within seconds from HII. This will include personalized ID cards & contract. Also, information on any associations and extra benefit packages. will come from Follow up packet in US Mail from HII

How to Get Started Go to Go to get application (licensing) Click on HII logo … lic ppwk Complete & return to AHCP Receive personalized online links within 2 business days

MedSense Association MedSense is a required association. In order to purchase both the STM & LM policy MedSense provides many benefits: ◦ Global Fit fitness program discounts (1,500 gyms) ◦ Vitamin discounts ◦ Car rental discounts – Alamo, Avis, Hertz & National ◦ Travel service discounts – on airfare, tours & cruises ◦ Cybermall – discounts at over 100 online stores ◦ Emergency medical card – wallet size MedSense not required in: AR, CO, ID, LA, MD, ME, MT, ND, NV, OR and SD

Thank you! Thank you! Any Questions?