1. PRODUCT TRAINING PRESENTED BY GENERAL AGENT CENTER
VALUE MED
PRODUCT TRAINING PRESENTED BY GENERAL AGENT CENTER
This product training is for licensed General Agent Center agents only, not for use with the general public. To inquire, please go to for complete details, limitations and exclusions. All plans may not be available in all states and carriers may vary by state.

2. GENERAL AGENT CENTER – SINCE 1973
GENERAL AGENT CENTER creates innovative health products based on consumer needs and market trends.
Serving over 20,000 agents nationwide
Marketing & Customer Service Departments staffed to assist agents needs attentively and efficiently
VALUE BENEFITS OF AMERICA, INC., (VBA) is a not-for-profit association that was established for the purposes of promoting the common interest of families by providing educational information regarding health, agriculture, economics and other areas of interest. To enhance the quality of life for our association members by offering benefits and discount services.
VALUE MED COVERAGE is underwritten by Guarantee Trust Life Insurance Company and The United National Life Insurance Company of America. Value Med Plan is an inventive and affordable limited benefit health insurance product.

3. WHAT IS VALUE MED?

4. INDEMNITY GAP PLAN THAT PROVIDES BENEFITS FOR:
PHYSICIAN OFFICE VISITS
OUTPATIENT SERVICES
$100 / DAY DAILY HOSPITAL BENEFIT
ACCIDENT – OR – SICKNESS

5. REDUCE OUT OF POCKET COSTS WITH THE PROVIDER NETWORK
VALUE MED
REDUCE OUT OF POCKET COSTS WITH THE PROVIDER NETWORK
BENEFITS & FEATURES
BENEFITS
DOCTOR OFFICE VISITS
OUTPATIENT SERVICES
DAILY HOSPITAL CONFINEMENT
AMBULANCE BENEFIT
FEATURES
NATIONAL DISCOUNT PROVIDER NETWORK
MDHOTLINE
Rx PRESCRIPTION DISCOUNT PROGRAM

6. VALUE MED FOR WORKING: FAMILIES INDIVIDUALS HOMEMAKERS STUDENTS
ELIGIBILITY
FOR WORKING:
FAMILIES
INDIVIDUALS
HOMEMAKERS
STUDENTS

7. VALUE MED EASY ONLINE ENROLLMENT MONTHLY BANK DRAFT OR LIST BILL (4+)
VERSATILITY
EASY ONLINE ENROLLMENT
MONTHLY BANK DRAFT OR LIST BILL (4+)
QUALIFIES FOR SECTION 125
VIRTUALLY GUARANTEED ISSUE

8. DAILY HOSPITAL BENEFITS PER SICKNESS OR ACCIDENT
VALUE MED
INSURANCE DETAILS
OFFICE VISITS
Office Visits – 10 per calendar year each insured adult, 5 per calendar year all children combined. Covers any practitioner of the healing arts.
$75 / EACH
OUTPATIENT BENEFITS
Pays $100 per sickness or injury up to $200 per calendar year, per covered adult and for each covered child (Medical tests, lab, imaging, X-ray, Urgent Care or any other outpatient facility)
$100
DAILY HOSPITAL BENEFITS
Daily hospital benefit $100 / day from the first day to $36,500 (365 days)
$100 DAILY
AMBULANCE BENEFIT
Pays expenses incurred for ambulance services due to a covered injury or sickness
$200
PER SICKNESS OR ACCIDENT
Please refer to the brochure for complete details, exceptions and limitations

9. VALUE MED HIGHLIGHTS NO HEALTH QUESTIONS NO DEDUCTIBLES & NO CO-PAYS
PAYS IN ADDITION TO ANY OTHER COVERAGE
USE ANY PROVIDER – OR, TO REDUCE OUT OF POCKET COSTS:
USE THE PROVIDER NETWORK TO RECEIVE DISCOUNTED RATES FOR MEDICAL SERVICES FROM PHYSICIANS OR OUTPATIENT SERVICE PROVIDERS
BENEFITS PAID DIRECTLY TO THE INSURED – OR MAY BE ASSIGNED TO THE PROVIDER
RATES CANNOT INCREASE DUE TO HEALTH STATUS
GUARANTEED RENEWABLE TO AGE 65

10. VALUE MED PROVIDER NETWORK
The discount provider network gives access to over 400,000 physicians and more than 50,000 outpatient services such as lab, X-ray, medical tests, supplies, diagnostic and much more. Using network physicians and providers can reduce costs for medical services.
REDUCE YOUR OUT OF POCKET EXPENSES FOR DOCTOR OFFICE VISITS AND OUTPATIENT SERVICES

11. NETWORK SAVINGS EXAMPLE
VALUE MED
NETWORK SAVINGS EXAMPLE
MEMBER HAS AN OFFICE VISIT WITH A NETWORK PHYSICIAN, THE NORMAL CHARGE IS $100
THE NETWORK DOCTOR VISIT IS DISCOUNTED $20 (20%) TO $80
MEMBER ASSIGNS THE $75 INSURANCE BENEFIT TO DOCTOR AT THE TIME OF SERVICE / OFFICE VISIT
MEMBER HAS A $5 BALANCE ($80 LESS THE $75) TO PAY AT THE TIME OF SERVICE / OFFICE VISIT

12. TO FIND A PARTICIPATING NETWORK PROVIDER CALL OR VISIT;
VALUE MED
PROVIDER NETWORK
TO FIND A PARTICIPATING NETWORK PROVIDER CALL OR VISIT;

13. WHAT IF YOU COULD DO THE SAME WITH A DOCTOR?
VALUE MED
MDHOTLINE
IN THE FAST PACED, VIRTUAL SOCIETY WE LIVE IN, THE SMART PHONE HAS REVOLUTIONALIZED THE WAY WE COMMUNICATE AND MANAGE A WIDE VARIETY OF DAY TO DAY TASKS.
YOU WOULDN’T LEAVE THE HOUSE WITHOUT YOUR PHONE SECURELY BY YOUR SIDE, WOULD YOU?
WHAT IF YOU COULD DO THE SAME WITH A DOCTOR?
NOW YOU CAN! MDHOTLINE DOCTORS ARE AVAILABLE 24 HOURS A DAY, 7 DAYS A WEEK BY SIMPLY CALLING IN. MEDICAL ASSISTANCE IS NEVER FURTHER THAN THE REACH OF YOUR PHONE!

14. VALUE MED
MDHOTLINE
Have you ever needed a doctor while traveling or on the weekends? Have you ever needed a prescription when your doctor is unavailable? Access a board certified physician without all the hassle that comes with a traditional doctor's appointment.
Are Mdhotline doctors licensed?
ALL PHYSICIANS ARE BOARD CERTIFIED AND STATE LICENSED
When are doctors available?
PHYSICIANS ARE AVAILABLE 24/7, 365 DAYS PER YEAR
How long are doctor consultations?
PHYSICIAN CONSULTATION TIME IS APPROXIMATELY 12 MINUTES
What if I need a prescription?
PRESCRIPTIONS* ARE CALLED INTO YOUR LOCAL PHARMACY
What if I need a specialist?
REFERRALS AVAILABLE FOR SPECIALIST APPOINTMENTS
*No DEA controlled substances or narcotics allowed. Rx service not permitted in SC.

15. Rx PRESCRIPTION SAVINGS
VALUE MED
Rx PRESCRIPTION SAVINGS
Save 10% to 85% on brand name and generic prescriptions at Costco, Walgreens, Sam’s Club, CVS and over 65,000 select pharmacies nationwide, or while using the mail order service. The discount is simple to use, simply show your membership card and prescription at a participating pharmacy to receive a discounted rate. NO additional forms are required!

16. VALUE MED RATES MOST STATESOH AL IL NM AK IN OK AZ IA PA AR KY SC CA LA TN CO MD TX DE MI UT DC MS VA GA MO WV HI NE WI ID NV WY
Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for VBA Membership

17. VALUE MED RATES
OR ONLY
Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for plan administrative fee

18. VALUE MED RATES
SD ONLY
Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for VBA Membership

19. VALUE MED RATES
WA ONLY
Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for VBA Membership

20. 800-338-7452 BILLING OR CLAIMS VALUE MED PLEASE CONTACT:
GUARANTEE TRUST LIFE
- OR -
UNITED NATIONAL LIFE

21. REGISTER FOR PERSONALIZED / SECURE PRODUCT ENROLLMENT LINKS
VALUE MED
REGISTER FOR PERSONALIZED / SECURE PRODUCT ENROLLMENT LINKS
STEP 1:
Go to:
Click “agents”
Click “request on-line enrollment link”
STEP 2:
Scroll to the bottom of the page and click on “click here for registration form”
COMPLETE & SUBMIT the registration form
STEP 3:
Erik Lunt after completing registration:

22. USING YOUR PERSONAL LINK
YOUR LINK WILL CODE NEW BUSINESS TO YOU AUTOMATICALLY
SELLING MADE EASY!
URL TO POTENTIAL CLIENTS
INSERT URL ON YOUR WEBSITE
AGENT NAME
AGENT PHONE NUMBER
AGENT ADDRESS & INFO

23. VALUE MED GENERAL INFORMATION 1st – 28th 800-207-8050 Minimum of 4+
Effective Date
1st – 28th
Policy effective can be the 1st – 28th and must be AFTER the application date
Draft Date
Policies draft on the same effective date and on that same day each month following
UNL
United National Life Insurance Company of America, Glenview, IL
List Bill
Minimum of 4+
The list billing will be sent to the business / entity each month 2 weeks prior to the due date
Advancing
4 and 6 Month Available
Advancing is available through your marketing director / FMO with a qualifying credit check
GTL
Guarantee Trust Life Insurance Company, Glenview, IL

24. THANK YOU FOR YOUR TIME & WELCOME!