Assurant Health AccessSM
Having Access PaysSM
Not for use in AZ
Assurant Health Access
• Excepted benefits
– Event–based fixed-indemnity benefits
– Same great commissions from pre-reform era
– No deductible, copays or coinsurance
– National network discounts
– Affordable to buy AND affordable to use
– Choice of three plan designs
– The value your clients are looking for!
2 Assurant Health Access
New Plans Expand the Market Opportunity
Likelihood to purchase
• New portfolio enables you to 50%
attract twice as many
45%
customers! Total likelihood = 44%
40% +7%
• Addition of Value and
35%
Enhanced plans increases
30%
likelihood to purchase from +15%
25%
22% of market to 44%
20%
• Based on primary research
from 2011 with uninsured or 15% 22%
individual purchasers from 10%
200-700% of federal poverty 5%
level ($27k-76k for singles, 0%
$55k-$154k for families of 4) Fundamentals Value Enhanced
3 Assurant Health Access
Having Access PaysSM Agents:
• In 2011, agents will earn more with Assurant Health
Access
– Pays the full commission you’re used to earning
– Pays annualized advance up to $1,000 per policy—same as
major medical
• Addresses the changing market—will have huge appeal
– Uninsured population steadily rising because of increasing
premiums
– Brings new customers — more than 75% of buyers are uninsured
and looking for different value
– Popularity is proven — Assurant Health Access sales have
doubled since the addition of Value and Enhanced benefit
levels!
4 Assurant Health Access
Choosing words carefully
What Assurant Health Access is and isn’t
What it is:
• Excepted-benefit, fixed-indemnity plan
• Known benefit amount for each type of care
• First-dollar (immediate) benefits: no deductible, copays or
coinsurance
What it isn’t:
• Medical expense coverage
• Major medical
• Covered charges
• Reimbursement
• Creditable coverage
55 Assurant Health Access
Assurant Health Access ―Peace of Mind‖
• Assurant Health Access is a good solution for customers
whose primary concerns are:
– Having immediate cash benefits with no deductible to meet
– Gaining access to medical care with an insurance card
– Avoiding retail prices through network discounts
– Affordable premiums
6 Assurant Health Access
Customers are looking for affordability
• Don’t see value in traditional plans with lower
premiums—meeting a high deductible might as well be
catastrophic!
• Place highest value on access to basic health care
– They need to stay healthy to keep working
– If something really bad happens, they’ll deal with it
• Haven’t had coverage or can’t afford traditional plans
• Dropping an individual or group major medical plan
• Child-only major medical is unavailable
7 Assurant Health Access
Anita
“It’s hard to pay for everything that comes up each month. I can’t
afford an unexpected doctor visit. I need to be able to stay healthy
so I can be at work and earn the most I can.”
You’ll recognize Anita because she’s Benefits Anita is looking for:
likely to be: • Basic preventive care to keep her
• Late 20s or in her 30s working
• Single mom with children who also • Coverage for her children at an
need coverage affordable price
• Working as a waitress or in several • Help paying for inpatient or
part-time jobs outpatient care and ER if something
• Unsure exactly what her monthly happens
income will be; it varies • Preventive dental care
Statements are illustrative, not actual customer quotes.
8 Assurant Health Access
Tanya
“I know my health is important. But I can’t afford to pay a high
premium and a deductible—I want a plan that offers assurance that I
can see the doctor when I need to and for my annual exam.”
You’ll recognize Tanya because she’s Benefits Tanya is looking for:
likely to be: • A plan she can use right away, not one
• Single with a deductible she can’t afford
• Age 25-34 • A plan that saves her money
• A high school graduate with no • Additional coverage for inpatient
college degree hospitalization
• Employed full time as a sales • Dental coverage
assistant
• Renting her apartment downtown
• Shopping at Walmart
Statements are illustrative, not actual customer quotes.
9 Assurant Health Access
Dennis
“My employer’s rates just went up again, and I need a new
option. I like to know how my benefits are working and how I can
save the most money. I’m always looking for a deal.”
You’ll recognize Dennis because he’s Benefits Dennis is looking for:
likely to be: • A plan that will pay benefits for his
• Recently married and in need of ongoing prescriptions
benefits for his wife
• Good coverage for things he can’t
• Age 31-40 anticipate, just in case
• A graduate of his local commuter
• Added peace of mind from Accident
college
or Critical Illness plan
• At an income level of $75K
• Dental plan
• Employed full time
• Using coupons and rebates on day-to-
day purchases
Statements are illustrative, not actual customer quotes.
10 Assurant Health Access
Chuck
“I’m getting older and still in good shape, but premiums are
too high for me. I’d like to be covered, but I’d rather save
my money for retirement than throw it away on premiums,
especially when I’d still have to pay for most of what I need
anyway.”
You’ll recognize Chuck because he’s Benefits Chuck is looking for:
likely to be: • A plan that will get him through until
• In his late 50s or early 60s—too young Medicare
for Medicare • Help with costs of an unexpected
• Showing a few minor health illness or accident
conditions • Premiums that cover only what he
• Working as a truck driver or other needs so he can keep more money in
contracted position his pocket
• Earning about $60K or more per year
Statements are illustrative, not actual customer quotes.
11 Assurant Health Access
Why Having Access PaysSM
Assurant Health Access = peace of mind
Access to affordable, quality Even more value
health care
• Benefits start right away — no • Dedicated customer service
deductible or copays team
• Cash to help clients pay for • Help finding the right
expenses providers
• Access to health care with • Help negotiating medical bills
insurance plan ID card
• Access to network discounts
12 Assurant Health Access
The Assurant Health Access Portfolio
Value
• For access to health care and Assurant Health
discounts, choose the affordability of Value.
– Access to network and prescription discounts
– Benefits for preventive care and unexpected illnesses and
injuries
– Sickness and wellness benefits
– Benefits for office visits
Fundamentals
Enhanced
13 Assurant Health Access
The Assurant Health Access Portfolio
Value
Fundamentals
• Fundamentals will help you pay for doctor visits,
prescriptions and hospital charges for both preventive
care and sicknesses.
• It includes everything in Value plus:
– Cash benefits for prescriptions
– Benefits for two more office visits per year
– Increased benefits for unexpected illnesses and injuries
Enhanced
14 Assurant Health Access
The Assurant Health Access Portfolio
Value
Fundamentals
Enhanced
• For a higher level of insurance benefits but still no
deductible, choose Enhanced.
• It includes everything in Fundamentals plus:
– Higher cash benefits for brand name prescriptions
– Higher cash benefits for each office visit
– Higher level benefits for unexpected illnesses and injuries
(surgery, hospital, ambulance, ER…)
15 Assurant Health Access
Benefit Summary
1616 Assurant Health Access
Benefit Details - Value
Everyday Needs Hospitalization and Surgical
• Office Visits • Inpatient and Outpatient Surgery
– $50 per office visit – Includes surgical benefits for both inpatient
– 2 visits maximum per calendar year and outpatient surgery. Benefit amounts paid
• Discounts on prescription drugs are at least 100% of 2010 Medicare Physician
• Allergy Shots and Immunizations Fee Schedule rates. See surgical schedule
– $10 per immunization and $10 per allergy (Form 30353) for details.
shot • Anesthesia
– $100 per calendar year maximum – $200 per anesthesia event
– 1 event maximum per calendar year
Outpatient Medical Events • Ground and Air Ambulance
• $1,000 per calendar year maximum – $100 per ground transportation
• Laboratory Services – $1,000 per air transportation
– $100 per surgical pathology test – 2 trips maximum per calendar year for all
– $15 per other laboratory service ambulance transportation
• Radiology Services • Emergency Room or Urgent Care
– $130 per mammogram – $150 per visit
– $300 per CT scan – 1 visit maximum per calendar year
– $450 per MRI scan • Inpatient Hospital Confinement
– $250 per PET scan – $1,000 per day for sickness
– $50 per other radiology service, including x- – $2,000 per day for injury
ray and ultrasound – $200,000 maximum per calendar year for all
• Physical Medicine Services inpatient confinements
– $25 per occupational therapy, physical • Lifetime Maximum
therapy and speech therapy visit – $1 million
• $25 per other outpatient event not listed
17 Assurant Health Access
Benefit Details - Fundamentals
Fundamentals includes all of the benefits of Value PLUS:
• Office Visits • Emergency Room or Urgent
– 4 visits maximum per Care
calendar year – $250 per visit
• Prescription Drugs • Inpatient Hospital
– $10 per generic prescription Confinement
– $25 per brand prescription – $2,000 per day for sickness
– $750 maximum per calendar – $4,000 per day for injury
year for all prescriptions – $500,000 maximum per
• Anesthesia calendar year for all inpatient
– 2 event maximum per confinements
calendar year • Lifetime Maximum
– $2 million
18 Assurant Health Access
Benefit Details - Enhanced
Enhanced includes all of the benefits of Fundamentals
PLUS:
• Office Visits • Ground and Air Ambulance
– $75 per office visit – $1,500 per air transportation
– 4 visits maximum per calendar year • Emergency Room or Urgent Care
• Prescription Drugs – $400 per ER visit and $100 per Urgent
– $35 per brand prescription Care visit
• Outpatient Medical Events – 1 visit maximum per calendar year
– $3,000 per calendar year maximum • Inpatient Hospital Confinement
• Inpatient and Outpatient Surgery – $3,000 per day for sickness
– Benefit amounts paid are at least 150% – $6,000 per day for injury
of 2010 Medicare Physician Fee – $1 million maximum per calendar year
Schedule rates. See surgical schedule for all inpatient confinements
(Form 30354) for details. • Lifetime Maximum
• Anesthesia – $3 million
– 3 event maximum per calendar year
19 Assurant Health Access
How Assurant Health Access plans work
• Patient Care
– Plan ahead (when you can) for routine or non-emergency care
– Use Patient Care to recommend a high-quality doctor and/or facility
that cost you the least
• Use your benefits
– Receive eligible services
– Have us pay your providers directly
– Receive negotiated network discounts even if plan limits exceeded
– Register at medco.com for tips on prescription savings
• Receive your cash payment (or have it paid directly to take advantage
of First Health Network discounts )
• Health Payment Advocates (HPA)
– Use professional negotiators at HPA to reduce outstanding bills of $300
and higher or set up a payment plan
20 Assurant Health Access
Sickness Benefits to Make You Healthy
Take Care Clinic for strep throat
Medical costs:
$65 Negotiated rate, including lab
$5 Generic amoxicillin
$70 Total related charges
Value Fundamentals Enhanced
Total related charges $70 $70 $70
Fixed-benefit office visit $50 $50 $75
Fixed-benefit generic Rx - $10 $10
Total fixed benefit paid $50 $60 $85
Customer pays $20 $10 ($15)
(receives) balance
Customer must assign benefits to provider to get network discount.
Discount amounts based on Assurant Health claims data. Results may vary.
21 Assurant Health Access
Preventive Benefits to Keep You Healthy
Routine gynecological exam with labs
Medical costs: Save money by asking
$175 Office visit Patient Care to
$90 Lab test recommend a high-
$265 Total visit quality but lower cost
doctor and/or facility
- $116 Network discount
$149 After discount
Value Fundamentals Enhanced
Total related charges $149 $149 $149
Fixed-benefit office visit $50 $50 $75
Fixed-benefit lab $15 $15 $15
Total fixed benefit paid $65 $65 $90
Customer pays balance $84 $84 $59
Customer must assign benefits to provider to get network discount.
Discount amounts based on Assurant Health claims data. Results may vary.
22 Assurant Health Access
Broken Arm (radius)
Value Fundamentals Enhanced
Medical costs: Total related $1,790 $1,790 $1,790
charges
$1,444 ER/physician charge
ER/physician charge $150 $250 $400
$300 Cast application
Cast application $85 $85 $127
$465 Follow-up office visits (4)
Follow-up office $100 $200 $300
$475 X-rays (5) visits (4)
$2,684 Total expenses X-rays (5) $250 $250 $250
-$894 Network discount* Total fixed benefit $585 $785 $1077
$1,790 After discount paid
Remaining balance $1205 $1005 $713
HPA @ 20%* -$241 -$201 -$143
Customer pays $964 $804 $570
Customer must assign benefits to provider to get network discount.
*Discount amounts based on Assurant Health claims data. Results may vary.
23 Assurant Health Access
Broken Arm (radius)
With an accident
plan this customer
would have Value Fundamentals Enhanced
received $700 in Total related $1,790 $1,790 $1,790
additional cash charges
benefits Total fixed benefit $585 $785 $1077
paid
Remaining balance $1205 $1005 $713
HPA @ 20%* -$241 -$201 -$143
Customer pays $964 $804 $570
*Discount amounts based on Assurant Health claims data. Results may vary.
24 Assurant Health Access
Surgical Benefits — Appendectomy
Value Fundamental Enhanced
s
Medical costs:
Total related $12,230 $12,230 $12,230
$550 ER expenses charges
$960 Anesthesia Fixed-benefit $700 $700 $1,050
surgery
$21,069 Hospital expenses
Fixed-benefit ER $150 $250 $400
$2,054 Appendectomy
$24,633 Total expenses Fixed-benefit $200 $200 $200
Anesthesia
-$12,403 Network discount* Total fixed benefit $1,050 $1,150 $1,650
$12,230 After discount paid
Remaining balance $11,180 $11,080 $10,580
HPA negotiates a 36 month payment plan for the
customer for the balance (around $300/mo)*
Customer must assign benefits to provider to get network discount.
*Discount amounts based on Assurant Health claims data. Results may vary.
25 Assurant Health Access
Surgical benefits — Appendectomy
Value Fundamentals Enhanced
Total related charges $12,230 $12,230 $12,230
Total fixed benefit paid $1,050 $1,150 $1,650
Remaining balance $11,180 $11,080 $10,580
HPA @ 20%* -$2,236 -$2,216 -$2116
Customer pays $8,944 $8,864 $8,464
*Discount amounts based on Assurant Health claims data. Results may vary.
26 Assurant Health Access
Heart Attack w/ Valvotomy
Medical costs: Value Fundamental Enhanced
$735 ER s
$100 Office visit Total charges $51,145 $51,145 $51,145
$54,800 Inpatient hospital 4 days ER $150 $250 $400
$5,775 Surgery Office visit $50 $50 $75
$1,000 Anesthesia Inpatient hospital $4,000 $8,000 $12,000
$525 Outpatient lab tests (20) Surgery $2,308 $2,308 $3,462
$1,900 Generic Rx (25) Anesthesia $200 $200 $200
$925 Brand Rx (5) Outpatient labs (20) $300 $300 $300
$65,760 Total expenses Generic Rx (25) $0 $250 $250
-$14,615 Network discount* Brand Rx (5) $0 $125 $175
$51,145 After discount Total fixed benefits $7,008 $11,483 $16,862
paid
Remaining balance $44,137 $39,662 $34,283
Customer must assign benefits to provider to get network
discount. HPA @ 20%* -$8,827 -$7,932 -$6,857
*Discount amounts based on Assurant Health claims data.
Results may vary. Customer pays $35,310 $31,730 $27,426
27 Assurant Health Access
Heart Attack w/ Valvotomy
$30K
of Critical Illness
coverage would
have covered most
Value Fundamentals Enhanced out-of-pocket
Total charges $51,145 $51,145 $51,145 expenses for just
Total fixed benefits $7,008 $11,483 $16,862
$63/month!
paid
Remaining balance $44,137 $39,662 $34,283
HPA @ 20%* -$8,827 -$7,932 -$6,857
Customer pays $35,310 $31,730 $27,426
OR customer could work
Customer must assign benefits to provider to get network
discount.
with HPA on a payment
*Discount amounts based on Assurant Health claims data. plan for the balance.
Results may vary.
Critical Illness rate based on $30k, 10 year term for 50-year-
old male in FL.
28 Assurant Health Access
Neoplasm of Frontal Lobe
Value Fundamentals Enhanced
Medical costs:
Total charges $30,575 $30,575 $30,575
$565 Office visits (3)
$5,275 Outpatient hospital Office visits (3) $100 $150 $225
$ 600 Outpatient surgery Outpatient hospital $0 $0 $0
$ 1,555 X-rays, CAT, MRI (4 ) Outpatient surgery $0 $0 $0
$3,500 Lab tests (21) X-rays, CAT, MRI (4 ) $800 $800 $800
$ 10,800 Surgeon Lab tests (21) $315 $315 $315
$ 62,600 Inpatient (3 days) Surgeon $2,250 $2,250 $3,375
$3,500 Anesthesia Inpatient (3 days) $3,000 $6,000 $9,000
$450 Generic Rx (4) Anesthesia $200 $200 $200
$ 89,145 Total expenses Generic Rx (4) $0 $40 $40
-$ 58,570 Network discount* Total fixed benefits $6,665 $9,755 $13,955
$ 30,575 After discount Remaining balance $23,910 $20,820 $16,620
Customer must assign benefits to provider to get network
HPA @ 20%* -$4,782 -$4,164 -$3,324
discount.
Customer pays $19,128 $16,656 $13,296
*Discount amounts based on Assurant Health claims data.
Results may vary.
29 Assurant Health Access
Neoplasm of frontal lobe
With $25K
of Critical Illness
coverage, this
customer wouldn’t
have out-of-pocket
expenses she
Value Fundamentals Enhanced
can’t cover
Total charges $30,575 $30,575 $30,575
Total fixed benefits $6,665 $9,755 $13,955
Remaining balance $23,910 $20,820 $16,620
HPA @ 20%* -$4,782 -$4,164 -$3,324
Customer pays $19,128 $16,656 $13,296
*Discount amounts based on Assurant Health claims data. Results may vary.
30 Assurant Health Access
At the Point of Service
How it all Works
• Providers
– No claim forms when client assigns benefits
– Providers paid directly when client assigns benefits
– Clients can find participating First Health Network doctors at
assuranthealth.com/FHN or by calling Patient Care
• Pharmacy
– For all plans, client pays discounted rate at pharmacy
– For Fundamentals and Enhanced
• Medco informs us of claim
• Client receives benefit check 2-4 weeks later
• Benefit can more than cover out-of-pocket expense
31 Assurant Health Access
More for the Money
First Health Network • Save an average of 40% at more than
595,000 health professionals when you have
us pay your providers
Retail health clinics • Save on office visits — as low as $65 per
visit including labs (at Walgreens TakeCare
clinics)
Medco® • Save an average of 30-40% on prescriptions
• Find lower cost alternatives
Outpatient lab services • Save up to 60%
Discount card • Save on vision care, chiropractic care,
alternative health and wellness, vitamins
and more
Discount card is an additional benefit; availability varies by state; card mailed separately.
3232 Assurant Health Access
Additional value
Patient Care Convenient access to independent advocates
who can compare prices of doctors and
hospitals
Health Payment Help negotiating payment plans or reductions
Advocates on medical bills $300 and higher
Dedicated service Brings quick resolution to any questions or
team issues and suggests ways to save money
Benefits guide Helps new customers understand how to get
the most from their plan
Welcome call Interactive call to welcome new customers,
inform them about benefits and encourage
them to learn how plan works
3333 Assurant Health Access
HPA Capabilities
• Negotiation of bills $300 and higher to reduce amount
owed by policyholder
• Establish payment plan to ease financial burden
• Review final bill for accuracy of charges (including
verifying network discounts, questionable charges)
• Identify charitable or financial assistance programs
34 Assurant Health Access
Health Payment Advocates Process
• No money or credit card information is exchanged between
policyholder and HPA
• The policyholder drives the type of conversation between HPA and
the provider
35 Assurant Health Access
Patient Care Value Proposition
• Assurant Health Access consumers will be looking for
value to keep their out-of-pocket expenses as low as
possible
• In planning for non-emergency medical services,
Patient Care helps consumers make informed decisions
and choose cost-effective, quality providers with
personalized data
• Common examples: colonoscopies, MRI’s, knee surgery
36 Assurant Health Access
Patient Care Can Help
• Provide cost and quality information on doctors and
hospitals
• Identify lower-cost drug options
• Explain and educate how to manage health care
benefits
• Find the RIGHT provider in the network
– Cost
– Quality
Patient Care does not prov ide clinical or legal adv ice.
37 Assurant Health Access
Patient Care Benefits to Agents
You’ll call it Customer Care!
• Offer another unique, customer-valued feature
• A team of experts helps you take care of your
customers
• No additional paperwork required—service is
automatically included
• You spend more time selling
• Customers can call 800.305.0377 Monday through
Friday, 7 a.m. to 9 p.m. CT
38 Assurant Health Access
Medco.com & My Rx Choices® Prescription
Benefits
In addition to discounts for all plans and cash benefits for
Fundamentals and Enhanced, all customers have access
to Medco.com
• Online prescription management
• Compare costs of prescribed drugs and suitable
substitutions
• Check for drug interactions
• Effortless auto refills on prescriptions
• Extended payment plans for mail orders
• Mobile app for convenience
39 Assurant Health Access
Assurant Health Access
Affordably priced within reach
Sample monthly premiums
Primary policyholder
0-17 18-30 31-40 41-50 51-64
Value $54 $67 $74 $94 $144
Fundamentals $89 $109 $119 $159 $249
Enhanced $139 $169 $189 $249 $386
+ One-time, non-refundable $25 processing fee
Premiums and fees may vary by state.
40 Assurant Health Access
Assurant Health Access
Affordably priced within reach
Sample monthly premiums
Primary and spouse
0-17 18-30 31-40 41-50 51-64
Value $108 $134 $148 $188 $288
Fundamentals $178 $218 $238 $318 $498
Enhanced $278 $338 $378 $498 $772
+ One-time, non-refundable $25 processing fee
Premiums and fees may vary by state.
41 Assurant Health Access
Assurant Health Access
Affordably priced within reach
Sample monthly premiums
Primary and 1 child
0-17 18-30 31-40 41-50 51-64
Value $108 $121 $128 $148 $198
Fundamentals $178 $198 $208 $248 $338
Enhanced $278 $308 $328 $388 $525
+ One-time, non-refundable $25 processing fee
Premiums and fees may vary by state.
42 Assurant Health Access
Assurant Health Access
Affordably priced within reach
Sample monthly premiums
Primary and spouse with 1 child
0-17 18-30 31-40 41-50 51-64
Value $162 $188 $202 $242 $342
Fundamentals $267 $307 $327 $407 $587
Enhanced $417 $477 $517 $637 $911
+ One-time, non-refundable $25 processing fee
Premiums and fees may vary by state.
43 Assurant Health Access
Easy selling process
• Only 3 medical questions to answer
• Simplified rating
– Not gender rated
– Not area rated
– No height or weight restrictions
– Not rated for risk class
– No smoker status
– Very broad age bands
– Based on age of primary applicant
• One-time, $25 processing fee
• Simplified underwriting process improves placement
• Effective date is either the 1st or 15th of the following month
• Payment by recurring monthly credit card available
44 Assurant Health Access
Sell on EASE: All 3 options + Supplemental
45 Assurant Health Access
Increase your coverage today
• Assurant provides integrated solutions allowing you to
add accident and dental benefits today with no
additional medical questions or underwriting
• Also add critical illness plan with separate app
• Supplemental benefits automatically renew, rates
designed to be stable
• Benefits paid directly to you, not the hospital or doctor
• Benefits paid in addition to your medical coverage
46 Assurant Health Access
Assurant Supplemental Coverage
Added value for your clients
Dental Accident Critical Illness
4747 Assurant Health Access
Remember Anita?
“It’s hard to pay for everything that comes up each month. I can’t
afford an unexpected doctor visit. I need to be able to stay healthy
so that I can be at work and earn the most I can.”
You’ll recognize Anita because she’s Benefits Anita is looking for:
likely to be: • Basic preventive care to keep her
• Late 20s or in her 30s working
• Single mom with children who also • Coverage for her children at an
need coverage affordable price
• Working as a waitress or in several • Help paying for inpatient or
part-time jobs outpatient care and ER if something
• Unsure exactly what her monthly happens
income will be—it varies but less • Preventive dental care
than $65k/year
Statements are illustrative, not actual customer quotes.
48 Assurant Health Access
Which plan is best for Anita?
Benefits Anita is looking for: • Value plan
– Office visits
• Basic preventive care to keep – Inpatient, outpatient and ER
her working benefits
– Discounts on Rx
• Help paying for inpatient or
outpatient care and ER if – $197 per month
something happens
• May be interested in • Dental – Basic
preventive dental care – $25 per month
• Affordable coverage for her
and her 2 children Only $223/month!
49 Assurant Health Access
Remember Tanya?
“I know my health is important. But I can’t afford to pay a high
premium and a deductible - I want a plan that offers assurance
that I can see the doctor when I need to and for my annual
exam.”
You’ll recognize Tanya because she’s Benefits Tanya is looking for:
likely to be: • A plan she can use right away, not one
• Single with a deductible she can’t afford
• Age 25-34 • A plan that saves her money
• A high school graduate with no • Additional coverage for inpatient
college degree hospitalization
• Employed full time as a sales • Dental coverage
assistant
• Renting her apartment downtown
• Shopping at Walmart
Statements are illustrative, not actual customer quotes.
50 Assurant Health Access
Which plan is best for Tanya?
Benefits Tanya is looking for: • Fundamentals plan
– Cash benefits that pay right
• A plan she can use right away, away
not one with a deductible she – Discounts on prescriptions
can’t afford and doctor visits when she
• A plan that saves her money uses an in-network doctor
• Additional coverage for – Good inpatient benefits at
inpatient hospitalization $2,000/day for sickness and
$4,000/day for injury with a
• Dental coverage $500M calendar year max
– $109 per month
• Dental – Basic
Only $118/month! – $9 per month
51 Assurant Health Access
Remember Dennis?
“My employer’s rates just went up again, and I need a new
option. I like to know how my benefits are working and how I can
save the most money. I’m always looking for a deal.”
You’ll recognize Dennis because he’s Benefits Dennis is looking for:
likely to be: • A plan that will pay benefits for his
• Recently married and in need of ongoing prescriptions
benefits for his wife
• Good coverage for things he can’t
• Age 31-40 anticipate, just in case
• A graduate of his local commuter
• Added peace of mind from Accident
college
or Critical
• At a household income level of $75K
• Dental plan
• Employed full time
• Using coupons and rebates on day-to-
day purchases
Statements are illustrative, not actual customer quotes.
52 Assurant Health Access
Which plan is best for Dennis?
Benefits Dennis is looking for: • Enhanced Plan
– Discounts on Rx, plus $10 for
• A plan that will pay benefits generic, $35 for brand, up to
for his ongoing prescriptions $750 per CY
• Good coverage for things he – Surgery pays at 150% of the
can’t anticipate, just in case 2010 National Medicare
physician surgical schedule
• For added peace of mind,
would add on Accident or – $189 per month
Critical Illness • Accident – Level 2
• Dental plan – $32 per month
• Critical Illness - $30,000
– $31 per month
Only $297/month! • Dental – Plus
– $45 per month
53 Assurant Health Access
Remember Chuck?
“I am getting older and still in good shape, but premiums
are too high for me. I’d like to be covered, but I’d rather
save my money for retirement than throw it away on
premiums, especially when I’d still have to pay for most of
what I need anyway.”
You’ll recognize Chuck because he’s Benefits Chuck is looking for:
likely to be: • A plan that will get him through until
• In his late 50s or early 60s—too young Medicare
for Medicare • Help with costs of an unexpected
• Showing a few minor health illness or accident
conditions • Premiums that cover only what he
• Working as a truck driver or other needs so he can keep more money in
contracted position his pocket
• Earning about $60K or more per year • Dental coverage
Statements are illustrative, not actual customer quotes.
54 Assurant Health Access
Which plan is best for Chuck?
Benefits Chuck is looking for: • Enhanced plan
– Annual office visits
• Ability to manage a few minor – Surgery, Inpatient,
health conditions Outpatient
– Lab & RX
• Help with costs of an
unexpected illness or accident – $386 per month
• Premiums that cover only • Dental – Plus
what he needs so he can keep – $33 per month
more money in his pocket • Accident – Level 2
– $23 per month
Only $442/month!
55 Assurant Health Access
Assurant Health Access = peace of mind
• Assurant Health Access fixed-indemnity plan with
limited benefits
• For those losing coverage and the working uninsured
• Large and growing opportunity
• Delivers what these customers value most — access to:
– doctor office visits and prescriptions
– Inpatient hospitalization, ER, surgery and urgent care
– ambulance, outpatient radiology, lifetime max, anesthesia and
preventive care
• Easy application
• Full commission and advance
56 Assurant Health Access
Assurant Health Access
State Availability
NH
WA VT ME
MT ND
MA
OR MN NY
ID SD WI MI RI
WY CT
PA
IA NJ
NE OH
IL IN DE
NV
UT CO WV VA
CA KS MD
MO KY DC
NC
TN
OK SC
AZ NM AR
MS AL GA
As of 9/15/2011 LA
New AHA portfolio available TX AK
(Value, Fundamentals & Enhanced Available) FL
Access Fundamentals HI
product available
PRODUCT NOT AVAILABLE
57 Assurant Health Access
Rev. 3/17/11
Thank You!
Assurant Health Access plans have limitations and exclusions. A list is available at
assuranthealth.com.
Assurant Health is the brand name for products underwritten and issued by Time Insurance Company,
Milwaukee, WI.
J-78881