1. Starmark Healthy Incentives®
Self-funded plan designs and stop-loss insurance for small to mid-size businesses

2. Starmark® and Trustmark
A Trustmark company founded in 1985
Provides healthcare benefits administration for small to mid-size businesses
Stop-loss insurance is provided by Trustmark Life Insurance Company
Trustmark Companies
Providing employee benefits for more than 100 years
More than 2 million covered lives or plan participants
Trustmark Life Insurance Company is rated A- (Excellent) by A.M. Best

3. Starmark Healthy Incentives® A self-funded health plan design with stop-loss insurance that feels like a fully insured plan for members
The Healthy Incentives Difference
Flexibility in plan design
Set monthly payments
Opportunity to get money back
Transparency on how claim dollars are spent
Stop-loss coverage included

4. Starmark Healthy Incentives®
Thousands of plan design combinations with NO set plan designs
PPO
CDHP
Therapy Copays
HSA
Office Copays
Out-of-Pocket Limits
X-Ray and Lab
Prescription Benefits
HRA
Alternative Medicine Copays
CareChampion 24/7® Health Advocacy Program
Inpatient Admission and Outpatient Surgery Access Fee Choices
Urgent Care
Chiropractic Copays
Maternity
Emergency Room Copay
YourCare Health and Wellness Program
Coinsurance
Health Benefits Packages
Supplemental Accident
Embedded Deductibles

5. Starmark Healthy Incentives®
[Network]
Individual Deductible
[insert amount]
Coinsurance
Individual Out-of-Pocket Limit
Office Visit Copay
Urgent Care Copay
Emergency Room Copay
X-Ray and Lab
Prescription Benefit
For costs and further details, including exclusions and limitations, contact your Starmark® representative.

6. Starmark Healthy Incentives®
Plan Design 1
Plan Design 2
Network
[insert name]
Individual Deductible
[insert amount]
Coinsurance
Individual Out-of-Pocket Limit
Office Visit Copay
Urgent Care Copay
Emergency Room Copay
X-Ray and Lab
Prescription Benefit
For costs and further details, including exclusions and limitations, contact your Starmark® representative.

7. Self-Funding Monthly Cost Monthly Cost Breakdown1 2
Monthly Cost
Employee
[23]
[$ ]
Employee + Spouse
[0]
[$ ]
Employee + Child
[$ ]
Full Family
[$ 1,134.48]
[$ 8,154.19]
Monthly Cost Breakdown
Stop-Loss Premium
[$ 3,924.26]
Administrative Fee
[$ 1,799.98]
Claim Pre-funding
[$ 2,429.95]
[$8,154.19]
Claim Pre-funding x 12 months = Aggregate Attachment Point 3
Stop-Loss Insurance Limits
Aggregate Attachment Point
[$ 29,158.00]
Specific Deductible
[$ 15,000.00]
Runout Period
[9 months]
Specific Deductible is the limit to which a covered person’s covered claims can be paid from the Claim Pre-funding
Dollar figures are used for illustrative purposes only. Final rates are subject to underwriting review. Actual figures will vary by group and plan design.

8. Self-Funding Monthly Cost Monthly Cost Breakdown1 2
Monthly Cost
Plan Design 1
Plan Design 2
Employee
[59]
[$ ]
[10]
[$ ]
Employee + Spouse
[0]
[$ ]
[$ ]
Employee + Child
[$ ]
[$ ]
Full Family
[$ 1,002.43]
[$ ]
[$ 15,349.74]
[$ 2,685.30]
Monthly Cost Breakdown
Plan Design 1
Plan Design 2
Stop-Loss Premium
[$ 5,598.74]
[$ 1,051.50]
Administrative Fee
[$ 2,378.46]
[$ ]
Claim Pre-funding
[$ 7,372.54]
[$ 1,205.10]
[$ 15,349.74]
[$ 2,685.30]
Claim Pre-funding x 12 months = Aggregate Attachment Point 3
Stop-Loss Insurance Limits
Annual Aggregate Attachment Point
[$ 102,933.00]
Specific Deductible
[$ 25,000.00]
Runout Period
[15 months]
Specific Deductible is the limit to which a covered person’s covered claims can be paid from the Claim Pre-funding
Dollar figures are used for illustrative purposes only. Final rates are subject to underwriting review. Actual figures will vary by group and plan design.

9. Express Connect® Paperless Enrollment
2 easy ways to enroll Phone – Employees enrolling or waiving call a toll-free number Online – Simple, secure enrollment via the Internet Minimizes back and forth for missing information Traditional paper enrollment is also available.

10. Reporting Transparency
Comprehensive reports help clients better understand and manage their healthcare spending.

11. CareChampion 24/7® Healthcare simplified
Optional health advocacy service
Advisors are available anytime, day or night
Advisors can help members find a doctor or hospital in-network, understand healthcare benefits and claim payments, identify cost-saving opportunities, handle eldercare issues and more!

12. ID Card

13. Why do groups choose Starmark®?
Competitive rates and flexible plan designs with great benefits -- We can tailor a plan the way you want it!
Excellent reputation for processing claims timely and accurately
Enrollment is easy with Express Connect®
Unparalleled personal service
CareChampion 24/7® helps simplify healthcare
Nearly 30 years of expertise in group healthcare benefits
Trustmark Companies, an employee benefits company for more than 100 years
Trustmark Life Insurance Company is rated A- (Excellent) by A.M. Best

14. Terminating a Plan Off-Anniversary
If the stop-loss insurance contract terminates before the end of the contract period:
There is no aggregate stop-loss insurance available for the months the contract was in force.
The employer is responsible for reimbursing Trustmark Life Insurance Company and/or Starmark® for any aggregate advances and aggregate stop-loss insurance claims paid.
The employer is also responsible for paying all covered claims, below the specific deductible, that were incurred and not paid while the plan was in force.
If the 2/3 Administrative Fee Credit Surplus or the 2/3 Administrative Fee Credit, 2/3 Cash Surplus option was selected, the employer forfeits the surplus.    

15. Get Started Today! MBS Rep Name Title first.last@trustmarkins.com
, ext. 0000
123 Main Street • City, ST
For costs and further details, including exclusions and limitations, contact your Starmark® representative. Plan design availability and/or stop-loss insurance coverage may vary by state. Self-funded plans are administered by Starmark, and stop-loss insurance is provided by Trustmark Life Insurance Company, Lake Forest, Illinois.
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