The Next Generation Distribution Model Leading the way into the ACA! o

Compass Health: Leading the way into the ACA! o The health insurance landscape is quickly changing due to the ACA o ACA Regulations & Exchanges will drive the growth of direct purchase and consumers will require guidance o Retail will become a new distribution model for consumers seeking guidance and a way of effectively reaching the subsidy and non subsidy buyer alike o Direct Purchase is expected to grow from 6 Million to 75 Million by 2020 o WalMart wants to be the Nations #1 retailer of healthcare services o CVA & Walgreens are aggressively growing their in store clinics o Who wants to buy their insurance at WalMart?

Data via US Department of Commerce, Urban Institute, Aetna. The Health Insurance Landscape is Changing

The Next Generation Distribution Model o RHG & Compass Health want to be at the forefront of this seismic shift o Compass Health will have 36 retail stores open for 2015 ACA Open Enrollment o 18 Company owned & 18 Partner stores o 30 Florida Locations, 4 Connecticut & 2 New Hampshire o CH Stores will support multiple product lines and be open year round through a comprehensive sustainable business model that places the Consumer 1 st o Proprietary Products and Technology will be developed to provide value add for our customers, Carrier partners and employees/agents o Let’s take a look at this new Compass Express & Complete Products………….!

Compass Health: The Next Generation Distribution Model!

Introducing the & Next Generation ACA Healthcare Products!

Our Mission: Develop a Product that meets the subsidy client needs in terms of benefits and price Design a product that encourages high persistency knowing the customer comes 1 st Make the application process simple, quick issue with no underwriting (guaranteed issue product) Build in excellent compensation Develop the products on an architecture that can be built upon as new benefits and services are added Introducing &

Compass Health Product Partners CDH Solutions

Xpress Benefits: Unlimited, No Cost Telemedicine Discount Dental Discount Vision Discount Pharmacy Concierge Customer Service  Make Appointments  Provide ‘Know before you go’ cost of care (price transparency)

Pricing PlanMonthly PriceOne Time Processing Fee Month One Cost Individual$14.95$12.00$26.95 Household*$24.95$12.00$36.95 *includes anyone living in household, related or not, no social security numbers needed

Effective Dates & Deadlines Effective DateApplications Must Be Received By 1 st of Month24 th of the Month 15 th of Month8 th of the Month

The CompassXpress Difference We Help Our Members: Find dentists, pharmacies & vision care providers Make their first appointments Know their price Before They Go, with Price Transparency CompassXpress is committed to providing our members Service – Price Transparency – Affordable Healthcare At CompassXpress, we’re with you every step of the way!

Connect to a doctor any time, day or night, every day of the year (phone, video, ). U.S. based, board certified doctors who can evaluate and diagnose minor medical problems and prescribe medication, when appropriate. No cost physician consultations help save clients money on healthcare costs by avoiding out of pocket expenses (deductibles, coinsurance). Telemedicine

Through Careington International Corporation, one of the largest dental networks nationally with a focus on neighborhood dentists. Save 20% to 50% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns 20% savings on orthodontics including braces and retainers for children and adults Dental

66,000 Pharmacies nationwide Online location and PRICE search tool Savings on Brand & Generic Prescriptions Mail order option through Walgreens The CompassXpress Difference  Know Before You Go, Price Transparency  Concierge customer service Pharmacy

Provided by EyeMed Vision Care Access Plan D 65,000+ providers nationwide o including independent optometrists, ophthalmologists, opticians, and leading optical retailers such as LensCrafters®, Sears Optical® Target Optical®, JCPenney® Optical, and most Pearle Vision® locations. Members save 20% to 40% off the retail price Discounts on exams, eyeglasses & contact lenses The CompassXpress Difference  Concierge customer service Vision

Membership kit mailed directly to client Member Resources Membership Guide Member Website CompassXpress Customer Service Membership Materials

Pre-Sales Website Online access to Telemedicine video Dental savings chart Dental provider search tool Vision provider search tool Pharmacy provider & price search tool Product Questions? Call CompassXpress Customer Service

Complete Benefits: Includes Express Benefits at 25% Discount Plus the Base Accident benefit of $2500 or $5000 Optional Riders include: $500 or $1000 Indemnity Dental $5000 GI Cancer Heart Stroke

Compass Xpress & Complete Pricing Compass Xpress: PPO Network Discounts for routine healthcare services $14.95 Individual $24.95 Family Compass Complete: Indemnity Cash Benefits to compliment the Xpress Discounts Xpress is discounted when Complete is purchased $12.95 Individual $19.95 Family

Rate Sheet

Street Compensation: Express is level comp: $14.95 = $5 per month ($60 per sale) $24.95 = $8 per month ($96 per sale) Complete ancillary benefits are paid on a % of premium basis (1 st year and Renewal) Accident: 35%/5% CHS: 35%/4% Dental: 30%/5% 8 Month advance paid for Xpress & Complete Xpress is paid monthly; Complete Ancillary are paid weekly

Compensation Examples: Total Premium$480.00EarnedAdvanced Tax Credit(-$397.00) Net Premium$83.00 CompassXpress$ n/a Accident (2500)$ Dental CHS Total Premium$ Xpress Discount(-$5.00) Total$123.00$8.00$66.15 Coventry Silver Carelink Cost Share Couple Both 45yr old 30k % of FPL

Compensation Examples: Total Premium$378.00EarnedAdvanced Tax Credit(-$202.00) Net Premium$ CompassXpress$ n/a Accident (2500)$21.00 Dental (500)$ CHS (5,000)$ Total Premium$ Xpress Discount(-$5.00) Total$247.71$6.00$ Coventry Bronze Carelink Couple Both 45yr old 45k % of FPL

Compensation Examples: Total Premium$240.00EarnedAdvanced Tax Credit(-$209.00) Net Premium$31.00 CompassXpress$ n/a Accident (2500)$ Dental CHS Total Premium$54.45 Xpress Discount(-$2.00) Total$52.45$6.68$33.08 Coventry Bronze Carelink Cost Share Individual 45yr old 18k % of FPL

Compensation Examples: Total Premium$189EarnedAdvanced Tax Credit(-$64.00) Net Premium$ CompassXpress$ n/a Accident (5,000)$ Dental$ CHS (5,000)$ Total Premium$ Xpress Discount(-$2.00) Total$169.33$14.25$ Coventry Bronze Carelink Individual 45yr old 30k % of FPL

Website Simple to use Simple to Enroll

Enrollment Explain how the enrollment form works Submission is simple Broker code to get paid

Enrollment What the consumer gets and will see Welcome kit on Express Separate mailing from Assurant Consumer 800 number?

Rules First of the month Commissions paid when Payments made how Problems and questions who to call

Compass Health: The Next Generation Healthcare Distribution Model!

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