1. Healthcare Strategies

2. Insert Insurance License Here
About Me
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3. About Me
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4. 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.

5. 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 ___________________________________________________________________

6. 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

7. Will you have a penalty?
Are you Exempt? (
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

8. 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?

9. 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

10. 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?

11. Outpatient Benefits

12. Hospital Confinement

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

14. Additional Coverage Options

15. 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?

16. 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:

17. Emergency Response System