1. Short-Term Medical Plans
Annette Dahlke

2. Agenda Who is HII Why Sell Short Term? Our Short Term Plans
Lifestyle/Discount Benefits
Customer Experience
Summary – Q&A

3. Who is HII?
For Agent Training Purposes Only. Not For Use as a Sales Presentation Tool.

4. Who is HII? HII stands for Health Insurance Innovations.
We are a leading developer and administrator of affordable, web-based individual health insurance plans and supplemental products.

5. Who is HII?
HII is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products.
IPO February 8, 2013
Bankers: CS, Citi, BofAML, RJ
Shares out standing as of 4/1/13 XX
Market Cap
NASDAQ: HIIQ
Headquarters: Tampa, FL
Raised $65M in capital
Plan to use the capital for advance commissions, strategic acquisitions and explore lead generation strategies

6. Why Sell Short-Term Medical?

7. ACA Definition of Short Term Medical:
STM Plans Exempt From ACA
ACA Definition of Short Term Medical:
“Health Insurance coverage provided pursuant to a contract with an issuer that has an expiration date specified in the contract ( taking into account any extensions that may be elected by the policyholder without the issuer’s consent) that is less than 12 months after the original effective date of the contract”
Since short –term limited duration insurance is specifically excluded from the definition of individual health insurance coverage in 45CF , the individual market protections of the PHS Act and the Affordable Care Act do not apply to short-term limited duration insurance.

8. Why Short-Term Medical?
STMs are a great option for many people.
Between jobs
After college
Missed Open Enrollment
Before Medicare
Healthy
STMs are REAL insurance with REAL coverage backed by the Department of Insurance.
It is not considered minimum essential coverage under the Affordable Care Act. But even if you consider the ACA penalty, STMs may still be a better and more affordable option.

9. Why HII Short-Term Medical Plans are Better
We use the best carriers (A to A+)
Unlimited copays on urgent care
Next-day coverage available
No required length of established U.S. residency
Simple five-question application
Reapplies – 1st Year Commissions
No questions about high blood pressure – Heart attack?
Rates are the same for tobacco users
Children-only policies available
Coverage when going to ER for illness if not admitted
Instant e-approval, e-policy and ID cards available
No SS# required

10. Our STM Plans & Benefits
Underwritten by:

11. HealtheMed STM Underwritten by
Rated A+ (Superior) by A.M. Best Company
Available to U.S. and non-U.S. citizens who will legally reside in the United States during coverage
No requirement for prior length of established U.S. residency
Currently available in 45 states and the District of Columbia
HealtheMed STM is offered as an individual policy in: AL, AK, AZ, AR, DC, DE, FL, GA, HI, ID, IN, IL, KS, KY, LA, ME, MS, MO, MT, NE, NH, NV, NC, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WA, WV, WI, WY
HealtheMed STM is offered as a group association policy in: CA, CO, CT, IA,
HealtheMed is available in the following states for up to 11 month maximum:
AK, AL, DC, DE, HI, ID, IL, IA, KS, KY, LA, MS, NC, NV, PA, RI, SC, TX, WA, WV, WY
HealtheMed is available in the following states for up to 6 month maximum:
AR, AZ, CA, CO, CT, FL, GA, IN, MO, MT, ND, NE, NH, OH, OK, OR, SD, TN, VA , WI

12. HealtheMed STM Features
Up to $2,000,000 Lifetime Maximum per Covered Person
Coverage periods of up to 6 or 11 months at a time*
$50 Copay for Urgent Care Center - after a $50 Co-Payment the coinsurance will apply – deductible will not
Doctor visits subject to deductible - coinsurance
Deductible options: $250, $500, $1,000, $2,500, $5,000 or $7,500
Coinsurance Options: 50% or 80% up to Coinsurance max of $5,000 – ($2,500 OOP or $1,000 OOP)
Freedom to choose any doctor or hospital
Coventry National Network
Coventry National Network is a strong, stable, and broad network covering all 50 states, Puerto Rico and the District of Columbia.
Agile RX Discount Card
3 day wait for sickness
No SS# required
Instant effective date: 12:01 next day
Choose any effective date of the month

13. RX – Discount Card
There are no fees or charges to enroll, and it never expires
It’s Smart
Save an average of 46%*. You can use this card for the whole family, including pets.
It’s Easy
Save at more than 60,000 pharmacies nationwide, including Walmart, Target, Walgreens and more.
Agile Discount Rx Disclaimer: DISCOUNT ONLY - NOT INSURANCE. Discounts are available exclusively through participating pharmacies and providers. The range of the discounts will vary depending on the type of provider and services rendered. This program does not make payments directly to providers. Members are required to pay for all health care services. You may cancel your registration at any time or file a complaint by contacting Customer Care. This program is administered by Medical Security Card Company, LLC of Tucson, AZ.** Based on 2013 national program savings data. 13

14. Application
**California, Connecticut, Colorado, North Dakota, Ohio, and Virginia asks the declined condition

15. AZ, AR, FL, GA, IN, MO, MT, NE, NM, OH, OK, OR, SD, TN, and WI
HealtheFlex STM
Underwritten by
Rated A+ (Superior) by A.M. Best Company
Available to U.S. and non-U.S. citizens who will legally reside in the United States during coverage
No requirement for prior length of established U.S. residency
Currently available in 37 states including District of Columbia
HealtheFlex STM is offered as an individual policy in: AK, AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WI, WV, WY
HealtheFlex is available in the following states for up to 6 month maximum:
AZ, AR, FL, GA, IN, MO, MT, NE, NM, OH, OK, OR, SD, TN, and WI
HealtheFlex is available in the following states for up to 11 month maximum:
AK, AL, DC, DE, HI, ID, IL, KS, KY, LA, ME, MS, NC, NV, PA, SC, TX, WV, WY

16. HealtheFlex STM Differences compared to HealtheMed:
Per Incident Deductibles: $500, $1000, $2500, or $5000
Coinsurance: 80% of the next $20,000 of eligible medical expenses
Coverage Maximum: $100,000 Coverage Period Maximum
Less expensive able to add more supplements!

17. Value Benefits Package
Sterling Package
ID Resolution Identity Theft Service
Sprint Cell Phone Service
LensCrafters Vision Club
24 Hour Nurse Helpline Plan
Gateway Medicard
Discount Hearing Service
Travel Assistance Plan
Hewlett-Packard Computer and Digital Equipment
Customized Web Services - NAC Web Services
UPS Express Delivery Services
Offi ce Depot Supplies and Furniture
24-Hour Emergency Roadside Assistance
Hop The Shops
Savers Book® Club
1800Flowers.com
Carperks Buying Network
Car Rental Discounts
GymAmerica.com
Vitamin Discount

18. 1st Med Short-Term Medical
Underwritten by:
Companion Life Insurance Company is an admitted insurer rated "A+" (Superior) by A.M. Best Company, rating as of January 17, A.M. Best ratings range from D to A++. Companion Life Insurance Company has sole financial responsibility for it products. The A.M. Best rating represents an independent opinion from the leading provider of insurer ratings of a company's financial strength and ability to meet its obligations to policyholders.
Available in the states of: AL, AK, AZ, DC, FL, IL, IA, MS, NE, NM, OH, OK, PA, TN, TX, VA, WI, AND WY 18

19. 1st Med Short Term Medical
Up to $1,000,000 Lifetime Maximum per Covered Person
Coverage periods of up to 6 or 12 months at a time*
Unlimited Dr. Office & Urgent Care Center Visits – after a $50 Co-Payment the coinsurance will apply – deductible will not
Deductible options: $250, $500, $1,000, $2,500, $5,000 or $7,500
Coinsurance Options: 50% or 80% up to Coinsurance max of $5,000 – ($2,500 OOP or $1,000 OOP)
*$25,000 AD&D – association states - ING
Freedom to choose any doctor or hospital
Network Discounts – Data isight – global network
If an uncovered expense, they will also re-price the claim
Outlook Vision discount, average discounts 10% to 50%. Over 10,500 provider locations (All 50 states and Puerto Rico)
5 day wait for sickness – 30 day wait for cancer
$1500 max on kidney stones, $2500 max appendix/appendectomy surgery, $1500 max on joint or tendon surgeries resulting from an accident
No SS# required
Agile RX Discount Card
Instant effective date: 12:01 next day
Choose any effective date of the month
No coverage for on-the job 19

20. Client can complete application process in 5 minutes
Medical and Eligibility Questions
Only 5 easy YES or NO questions
Client can complete application process in 5 minutes
Instantly

21. Lifestyle/Discount Benefits

22. Physician Search
Eldercare Solutions Alternative Treatments
Appointment Scheduling
Insurance Policy Assistance
Medical Bill Mediation
Surgery Cost Saver

23. Teledoc Stay healthy throughout the year with Teladoc!!
What is Teladoc?
Benefit that gives you 24/7/365 access to U.S. board-certified doctors who can resolve many of your medical issues via phone or online video
When can use Teladoc?
When you need care now
If you’re considering the ER or urgent care center for a non-emergency issue
On vacation, on a business trip, or away from home
For short-term prescription refills
What can I use it for?
Cold and flu symptoms
Bronchitis
Respiratory infection
Sinus problems
Allergies
Urinary tract infection
Pink eye
Ear infection

24. Chiro & Podiatry Plus Podiatry not available in MA
25% off chiropractic fees
20-50% discount on podiatry services
Discounts on vitamins and supplements
20-70% discounts on medications for pets
Labs & Diagnostic Discount:
Wide variety of important health and wellness blood chemistry tests at discounted prices
10-80% off regular retail pricing
Over 3,000 certified labs nationwide
Podiatry not available in MA
Imaging not available in HI, VT, WY
Direct labs not available in HI, MA, MD.
ND, SD, and VT offer Specialty Lab testing only.

25. DirectLabs (DLS) is the leader in direct access laboratory testing
Labs & Diagnostic Imaging
DirectLabs (DLS) is the leader in direct access laboratory testing
Benefits:
Wide variety of important health and wellness blood chemistry tests at discounted prices
Saving 10% to 80% off regular retail pricing
Over 3,000 certified labs nationwide
*This product is not available in HI, MA, MD. ND, SD, and VT offer Specialty Lab testing only. 25

26. Outlook Vision
Significant savings for the entire family on eyeglasses, contact lenses, LASIK surgery and eye exams at selected locations
OUTLOOK Vision providers are conveniently located throughout all 50 states. Most leading retail optical centers are included in the OUTLOOK Vision network and offer discounts from 10% to 50%
Outlook Vision Discounts are given at the point of purchase
NO limits
NO restrictions
NO paper work.
Additional Outlook Vision information can be located at 26

27. MyeWellness
MyeWellness is an online personal health and wellness program that aims to help members achieve health and wellness goals regardless of age, gender or level of fitness. This program provides members the tools they need to make positive wellness changes in their lives.
The Values of MyeWellness:
Personalized workouts with animations
Daily health tips on nutrition, weight-loss, exercise and disease prevention
Current health and wellness related articles with daily feed
Health calculators for easy reading and self-assessments
Health tracking and points for incentive programs
Early detection, prevention tests and labs
Web and mobile phone based
Links to hundreds of additional wellness resources
24/7 site access guarantee
Myewellness is not insurance, nor is it a part of any insurance plans, or affiliated with any insurance companies. .

28. Optional Benefit Generic prescriptions co-pay $20.00
$60.00 Mail-in services for Generic prescriptions
No Deductible
Brand Name Discounts

29. Rates - Agile Cost to Customer Individual Only $20.62
Individual & Spouse
$36.69
Individual & Children
$32.32
Family
$49.85

30. HII Customer Experience

31. The HII Customer Experience
Quote
Buy
Print

32. Sample
EXPLANATION OF BENEFITS

33. STM Renewal
Dear First Last, Please be advised your Med Plus STM insurance coverage, underwritten by Starr Indemnity & Liability Company, ID#: STT , Effective , is scheduled to terminate on
This insurance coverage is important and you can reapply for another period of coverage with the convenient link provided below. This link enables you to quote your own plan options and apply online.
However, you will have a new effective date and a new preexisting conditions clause will apply.
Click Here:
If you purchased the Extra Care Package (ECP), your payment for the ECP will continue to be processed on the same day of the month. The ECP includes the Careington Dental Network Discounts & Services, and CallMd services for Physician Telephone Consultations 24/7 – that includes 12 free physician telephone consultations per year. These plus the other benefits are listed in your Extra Care Package fulfillment booklet, found at your login.
Feel free to call our Customer Service Department with any questions.
PS: Some states have rules related to the ability to reapply. See list below:
Colorado: We cannot issue coverage to anyone who has had 3 or more STM policies in the last 12 months.
Maine: If you combined your policy with all prior short term policies, it cannot exceed 12 months on uninterrupted coverage.
Michigan: Your coverage cannot exceed 185 days in any 365 day period.
Nevada: We cannot issue 3 or more policies in a 12 month period.
AGENTS LINK
CC:
Automatically sent 15,10 and 5 days prior to term date
Sent to both client and agent
When client or agent completes the application it’s considered new business.
Typical re-apply rate is 30% to 50%

34. Customer Experience
Children only plans available: Age 2-18 must be on separate applications.
Eligibility 18 to 64 and 11 months
Coverage can begin as early as 12:01 a.m. the day after submission or up to 45 days from the date of application – HCC. Companion 60 days.
Next billing date is 30 days from effective date
Single and monthly payments (credit card, debit card & ACH)
Draft premium immediately
Welcome sent with user ID and password to print ID cards, certificates, fulfillments. Agent CC on welcome .
Client will receive welcome letter and ID cards in 7-10 business days in the mail. Which includes Agile RX card and Short Term Medical ID Card.
If client wants hard copy of policy call us or and we will request for client.
One time payment no refund – savings 20-30%

35. 10-Day Free Look Period
We offer all customers a free look period so they can review their purchase for a period of ten days after their effective date.
Customers receive a full refund of fees if their policy and/or membership is cancelled within the first 10 days.
In order to cancel, customers need to call HII’s Customer Service. Phone calls are recorded for quality assurance.
Customer Service phone number:

36. Contact Information
Broker Services
1 (877) prompt 2
Billing Questions - HII:
1 (877) prompt 1
Monday-Friday 8:30am to 7:00 p.m. EST
Website: hiiquotecustomers.com
Client will receive all contact information on ID card, welcome letter/ and once they sign into their back office.

37. Short-Term Medical Plans
Q & A
Annette Dahlke