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Ultimate Health by ArmadaCare
Medical Reimbursement Guidance to Specialty Physicians Travel & Medical Emergency Support Executive Physicals The 4-in-1 Solution
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Ultimate Health Overview
Supplemental Insurance Plan Can supplement fully insured plans, self insured plans and group exchanges Group Plan (Employer Paid) Financially Efficient Insurance Backed by A+ Rated Carriers Excepted Benefit Can be offered to select employee classes Sits outside of ACA Meets Safe Harbor requirements
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Designed for VIPs Swipe-and-Go Rx Card
Claims Turnaround 5 to 7 Business Days High-End Items Covered Online and Mobile Claims Platform Direct Deposit for Reimbursements
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Why Sell Ultimate Health?
Gain Access to C-Suite Upsell Other Lines of Coverage Higher Level Point of Entry Sets The Stage for Additional Sales Differentiate from Competition Gain a Resolution Tool Unique, Strategic and Needed By Clients Resolve Many Client Coverage Concerns
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Who buys Ultimate Health?
Companies Partnerships Sub-Chapter S-Corp C-Corp LLCs/LLPs Non-Profits Key Personnel Partners Shareholders Owners Key Employees Directors Retirees FOR:
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Primary Health Plan(s)
U Glasses, Contacts & LASIK • Dental & Adult Orthodontia Mental Health • Wellness Treatments • Executive Physicals Ultimate Health Non-Formulary Rx • Exclusions & Limitations • Private Hospital Rooms • Balance Bills Co-Pays • Deductibles • Co-Insurance Primary Health Plan(s)
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Typical Out of Pocket Expenses
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Today’s Spend …and it’s usually with after-tax dollars
Today: $6-8,000 Out-of-Pocket Before: $3-4,000 Out-of-Pocket …and it’s usually with after-tax dollars
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Financially Efficient
Every Dollar Spent on Compensation Costs You Raising compensation to cover out-of-pocket medical expenses cost both the company and the recipient Federal, State, Local Income Tax, FICA, SUI, Workers Comp, Unemployment Insurance, etc. Every Dollar Spent on Ultimate Health Premium Costs Less Premium may be tax deductible for business Save $.40 on every dollar spent* And recipient doesn’t pay taxes on their reimbursements *Based on compounded tax rate of 40%. Individual rates may vary.
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Based on compounded tax rate of 40%. Individual rates may vary.
Savings Illustration Composite Premium $8,066 Income Value $10,082 Tax-Effected Premium $4,800 Health Care Expenses $6,050 Based on compounded tax rate of 40%. Individual rates may vary.
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Annual Benefit Maximums: Per Covered Person
Plan Options Platinum Diamond Diamond Plus Per-Occurrence $5,000 $10,000 Annual Benefit Maximums: Per Covered Person Dental Treatments $4,000 $5,000 $10,000 Vision Treatments $1,000 $1,500 $10,000 Mental Health $2,000 $3,000 $10,000 Prescriptions $2,500 $3,000 $10,000 Medical Equipment $2,000 $5,000 $10,000 Wellness Treatments $1,000 $1,500 $10,000 Executive Physicals $2,000 each $2,500 each $10,000 each Annual Family Maximum $50,000 $100,000
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Armada HealthConnections
TopDoc Services TopDoc for Me TopDoc Review TopDoc Q&A Take Me Home Emergency Travel Program Executive Physicals
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TopDoc Services Developed with Medical Elite Credentialing Process
ArmadaCertified Community Developed with Medical Elite Physician-Patient Matching What’s different about our model? First, our entire approach was developed by world-class medical leaders, those who have reached the pinnacle of their profession and who are associated with the most renowned Center of Excellence in the World. They work with us to: Create an objective process for credentialing specialists that focuses on quality and identifying those with true expertise in virtually every specialty. Validate that our community of physician specialists meet our rigorous standards of quality by approving each candidate. Determine the important elements of our unique matching process that identifies the physicians with the right expertise for your needs. And define the proprietary technology platform that we call the ArmadaCompass which allows us to collaborate and deliver our services efficiently. Let’s look at each of these areas a little closer. ArmadaCompass Platform
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TopDoc for Me Understand member’s condition
Tap into our technology platform Identify the top specialists with the right expertise Validate by clinical team Help gain access
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TopDoc Review Gain advice from leading specialists in specific sub- specialty Find the right, best specialist for the review—not a fixed panel approach Expert input to help ensure the right treatment path
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TopDoc Q&A Answer general questions about condition, treatment options
Guide to objective information or input from ArmadaCertified Specialist Enables members to be more active in their care
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Real-Life Example: Karen’s Story
Condition: fractured spine Area doctor recommendation: surgery Armada: TopDoc Review World-renowned orthopedic spine surgeon Specializes in minimally invasive surgery and treatment Recommendation: No surgery; Pilates Outcome Member avoided risky, costly surgery and difficult recovery Cost savings for employer: $100,000+
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Take Me Home Emergency Program
Domestic and International Travel 100 Miles From Home Business or Pleasure One Number 24/7/365 Services Urgent Care Referrals to 50,000+ Vetted Providers Replace Lost Travel Documents & Meds Medical Translation Services Emergency Travel Arrangements Paid Medical Evacuation Travel Portal Travel Portal: MEDEX 360…where you’ll find country-specific details about diseases, immunization requirements, quality of medical care, providers and more for destinations around the world. Check also global security alerts. And it has a Travel Registry, where you can build a personal health record and store important emergency contact information and vital documents. Members love this tool because you can quickly access this information if you are in an emergency away from home.
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Paid Medical Evacuation
Hospitalized 100 Miles from Home Domestically & Internationally Back Home for Better Care And Insurance Coverage Integrated with Navigation Services Continuity of Care Post-Evacuation *Available when hospitalized 100+ miles from home. Subject to FrontierMEDEX terms and conditions.
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Executive Physicals VIP Preventative Screening
Locate Center of Excellence Coordinate Follow-Up Reimbursement Coverage
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Next Steps Identify potential clients
Primary plan with in- and out-of-network & Rx 3 or more executives (10 employees at the company) 44 states (not CT, KS, MT, NH, VT or WA) Any type; start with: Financial Services Hedge Funds and Private Equity Firms Closely Held Companies Family-Owned Companies Manufacturing High Growth Industries
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Learn More Joe Luscavage Principal, Sr. Group Consultant
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