1. ConsoliCare Underwritten by:
Federal Insurance Company, a Chubb Company
Confidential. Do not distribute. For agent use only.
All rights reserved. Health Plan Intermediaries Holdings, LLC, 2018

2. Underwritten by Federal Insurance Company, a Chubb Company

3. Important Non-Negotiables to Remember
Agents are required to fully identify this product. ConsoliCare is a Accident & Sickness Hospital Indemnity plan underwritten by Federal Insurance Company, a Chubb Company.
Source: Non-Negotiables “Name and Type of Product”

4. ACA Disclaimer
THIS IS A ACCIDENT AND SICKNESS HOSPITAL INDEMNITY INSURANCE POLICY THAT IS NOT INTENDED TO AND DOES NOT QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A POLICY THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH INSURANCE POLICY THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD.
THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.

5. Important Non-Negotiables to Remember
Agents are required to inform consumers that this plan is not ACA compliant and that they may be subject to a tax penalty.
Source: Non-Negotiables “Product is Not ObamaCare/ACA”

6. Product Highlights Network Doctors Office Visit In-Hospital Indemnity
MultiPlan, giving members access to in-network negotiated rate
Doctors Office Visit
$50, $75, or $100 for up to 3 visits (varies based on plan chosen)
In-Hospital Indemnity
$100, $300, $500, $750, or $1,000
Accidental Death & Dismemberment Benefit
$10,000.00
Choice of Coverage Period Length
30 days to 3 months; next day effective is available
Disclaimer: This is a brief description of ConsoliCare limited medical plan. Please check the product certificate or master policy for complete details.

7. Plan Benefits Plan 100 Plan 200 Plan 300 Plan 500 Plan 750 Plan 1,000
Plan 100
Plan 200
Plan 300
Plan 500
Plan 750
Plan 1,000
Daily In Hospital Indemnity (No Elimination)
$100/day
$200/day
$300/day
$500/day
$750/day
$1,000/day
Max Days per Confinement 30
Max Benefit Amount per Plan Year
$6,000
$6,000 
$18,000
$30,000
$45,000
$60,000
ICU
N/A 5
$3,000
$5,000
$7,500
$10,000
Hospital Admission
$300
$500
$750
$1,000 1
ER Visit
$50
$250/visit
$75
$125
$150
$250
Max Visits per Plan Year 2
Physician Office Visit
$50/visit
$100 3
Pre-existing Conditions: This insurance does not pay any benefits for Sickness caused by or resulting from a Covered Person's Pre-existing Condition if the Sickness occurs during the first 12 months that a Covered Person is insured under this policy.
Disclaimer: The amounts listed above are fixed amounts and no other payments will be made.

8. Plan Benefits Plan 100 Plan 200 Plan 300 Plan 500 Plan 750 Plan 1,000
Inpatient Major
N/A
$500
$750
$1,000
Inpatient Minor
Outpatient Major
Outpatient Minor
Anesthesia
Inpatient/Outpatient Major
$125
$250
$375
Inpatient/ Outpatient Minor
Max Inpatient Procedures per Plan Year 1
Max Outpatient Procedures per Plan Year
Diagnostic X-Ray and Lab
This insurance does not pay for x-rays or lab tests performed while Confined in a Hospital
$25
$75
$100
$150
Max Tests per Plan Year 2
*Wellness
$50
Max Screening Tests per Plan Year
Accidental Death & Dismemberment Benefit
$10,000.00
$50,000.00
$75,000.00
$100,000.00
*The Wellness Benefit is not available in CA and OH.
This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance benefits are underwritten by Federal Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb Insurance underwriting companies and not by the parent company itself.
Disclaimer: The amounts listed above are fixed amounts and no other payments will be made.

9. Who can benefit from this coverage?
Eligibility
Adults ages 18-64
ConsoliCare is great for those who are:
Looking to supplement a higher deductible major medical plan
Priced out of major medical coverage

10. Limitations & Exclusions
Pre-Existing Conditions
Charges resulting directly or indirectly from a condition for which a covered person received medical treatment, diagnosis, care or advice, including diagnostic tests, medications, and symptoms immediately preceding such person’s certificate effective date are excluded for the first 12 months of coverage.
Waiting Period
No waiting period for accidental injuries and accident
Other Exclusions
Elective medical services like cosmetic surgeries are not covered
Disclaimer: This is a brief description of ConsoliCare limited medical plan. Please check the product certificate or master policy for complete details.

11. Important Non-Negotiables to Remember
Agents are required to educate consumers on how this plan handles pre-existing conditions in their state.
Source: Non-Negotiables “Pre-Existing Conditions (Explanation)”

12. MultiPlan
Persons insured under this plan may choose to be treated within, or out of, the MultiPlan network. This membership entitles your clients access to doctors and hospital facilities who have contracted to provide specific medical care at negotiated prices.
Locate providers at:
Approximately 900,000 healthcare providers under contract
Estimated 57 million consumers accessing the network products
40 million claims processed through the networks each year

13. Important Non-Negotiables to Remember
The amount of reduction varies by state and type of medical services received. The repriced amount varies by state and type of medical services received and is not a standard or fixed amount.
Source: Non-Negotiables “Network Repricing”

14. National Congress of Employers
Your members can count on NCE to continuously and aggressively seek out new discounts to add further value to memberships in the association. Services and discounts they will enjoy as members may include a collection of the following:
Alternative medicine
Prescription discount benefits
Pet Rx
Chiropractic care
Medical bill negotiations
Medical supplies and equipment
Physical therapy
24/7 Nurse Help Line
24/7 Health Information Line
Hearing savings program
Image savings program
Laboratory savings program
Vitamins and supplements
Disclaimer: Not affiliated with Federal Insurance Company, a Chubb Company

15. Important Non-Negotiables to Remember
Agents in states where membership is required must make consumers aware of the association and the benefits they offer.
Source: Non- Negotiables “Association Product”

16. With ScripPal there are no fees or charges to enroll, and it never expires.
Your members can use this card to save an average of 46% for their whole family, including pets, at more than 60,000 pharmacies nationwide.
At the Rx Helpline, a team of advocates specializes in finding the lowest cost alternative for prescription medications. The team has helped over one million people navigate the complex system of prescription coverage and save money on their medications. Telephone consulting with Rx Helpline advocates to navigate options is at members’ fingertips. The team helps individuals get their medications for the lowest possible cost – and sometimes even for free.
Teladoc gives your clients 24/7/365 access to U.S. board-certified doctors who can resolve many of their medical issues via phone or online video. There is a one-time registration fee of $10 per person required before the first consultation.
Disclaimer: Not affiliated with Federal Insurance Company, a Chubb Company

17. Important Non-Negotiables to Remember
Agents must inform consumers that membership benefits and Rx programs are not insurance and do not provide coverage and that they only provide discounts and services.
Source: Non-Negotiables “This is Not Insurance”

18. Start Selling HOW TO GET STARTED
Just in Time appointment is available in most states except in states where pre-appointment is mandatory. To confirm this product is available in the state that you sell, please see the State Availability Chart in your Agent Portal.

19. Important Non-Negotiables to Remember
You must be licensed to sell in the state.
Source: Non- Negotiables “Have Your License # Handy”

20. Questions? Please reach out by:
Calling and selecting option 3
ing
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