Agenda for March 22 2016 HEMA Review For

Agenda for March 22, 2016 HEMA Review For Audio Call in to 1 -872 -240 -3311, Code #240 -843 -149 Intro - Intella. Bridge. Care Intella. Plan Option Quote Example - Enrollment Agent Contracting Compensation

Intella. Bridge. Care Overview • Short Term Medical Product • Two types: Simplified and Guarantee Issue • Easy Enrollment Process • Extensive Eligibility

Why Short Term Medical? A plan to bridge the gap • Missed Open Enrollment and do not have a qualifying life ever • International Student needing insurance while here • Waiting Period for benefits to begin at a new job

Intella. Bridge. Care Plan Details: Simplified Issue Deductible $1, 000 Coinsurance 50% / 50% 70% / 30% 80% / 20% Coinsurance Maximum $2, 500 $1, 500 Coverage Period Maximum $250, 000 $1, 000, 000 Deductible $2, 500 Coinsurance 50% / 50% 70% / 30% 80% / 20% 100% Coinsurance Maximum $2, 500 $1, 500 $0 Coverage Period Maximum $250, 000 $1, 000, 000 $1, 000 Deductible $5, 000 Coinsurance 50% / 50% 70% / 30% 80% / 20% 100% Coinsurance Maximum $3, 750 $2, 250 $2, 000 $0 Coverage Period Maximum $250, 000 $1, 000, 000 $1, 000

Intella. Bridge. Care Plan Details: Guaranteed Issue Deductible $3, 500 Deductible $5, 000 Coinsurance 80% / 20% Coinsurance 90% / 10% Coinsurance Maximum $6, 500 Coinsurance Maximum $5, 000 Coverage Period Maximum $100, 000

Intella. Bridge. Care Plan Details: Benefits Aetna PPO Network Huge negotiations Doctors S. I. : $50 x 3 visits G. I. : $50 x 2 visits Urgent care Unlimited $50 copay Emergency Room $250 copay

Intella. Bridge. Care Eligibility: Eligible Ages Primary applicant – Ages 2 – 64 • Children up to age 26 on parents plan Child only applications – 2 – 17 years of age – Youngest as primary

Intella. Bridge. Care Eligibility Must legally reside in the U. S. • Social Security number • Green Card number • Tax ID number • Visa

Intella. Bridge. Care Eligibility: Health History Health history questions: – No other medical insurance coverage – Pregnant or expectant father – In the process of adoption – Undergoing infertility treatment – Male over 300 lbs, female over 250 lbs

Intella. Bridge. Care Eligibility: Health History Cont. Within the last 5 years has any applicant been diagnosed, treated, or taken medication for or experienced signs or symptoms of any of the following: Cancer or Tumor Stroke Liver disorder Heart disease (including heart attack), chest pain or had heart surgery Degenerative disc disease or Herniation/bulge Degenerative joint disease of the knees COPD or emphysema Crohn’s Disease Rheumatoid Arthritis Kidney disorder Diabetes Alcohol abuse or chemical dependency Neurological disorder AIDS or HIV

Intella. Bridge. Care Eligibility: GI If the client answers yes to one or more health history questions Eligible to enroll into the Guaranteed Issue STM

hemahelp site Review Quote & App Link – hemahelp site M 3/3/1970 NS Franklin County 43221 Brochure

Guarantee Issue Link Quote Example ( Not on hemahelp sites ) Same Male 3/3/70 in Franklin County

Intella. Bridge. Care Eligibility: Lookback 12 month* look back *Unless otherwise mandated by state.

Intella. Bridge. Care Plan Limitations, Exclusions, Pre-Authorization Pgs 9 -11 Pre-existing Conditions Maternity Mental Health Prescriptions Non Emer 7 Day Pre-Authorize for Confinement, Surgery, Transplant Participation in Hazardous Activity Participation in Interscholastic Sports 6 month wait on some hysterectomy and sinus surgeries

Intella. Bridge. Care Enrollment – 1 st thru 28 thth – Can choose any of the next 31 available dates Initial Payment • Drawn time of application Recurring Payment • Monthly anniversary of start date Form of Payment • EFT • Visa, Master. Card or Discover

Intella. Plan Accident/CI Add on Overview • Guarantee Issue • Accident Medical Expense • Critical Illness • Accidental Death

Intella. Plan Details $2, 500 $5, 000 $10, 000

Intella. Plan Details: AME Benefits Deductibles $250 if insured $2, 000 if uninsured Per injury Coordination Benefits Coordinates w/MOOP Deductibles Claims Treat within 30 days Follow-up with 26 weeks

Intella. Plan Details: CI Benefits 3 categories of covered conditions Coverage varies per insured Payouts - first diagnosis ONLY No waiting periods x 3

Intella. Plan Details: CI Categories Category 2 Category 3 100% Payout • Heart attack • Stroke • Invasive cancer • • • Category 1 50% Payout • Coronary bypass surgery • Heart valve replacement or repair 50% Payout • Cancer in situ Major organ transplant Advanced Alzheimer's Disease Coma Motor Neuron Disease/ALS Paralysis Severe burns

Intella. Plan Details: AD&D • Accidental Death – Equals chosen benefit amount

Intella. Plan Details: Exclusions • • Full time in the Armed Forces Eligible for Medicare (AME only) Disability/Workers Compensation Intentionally self-inflicted Illegal acts Hazardous activities Some sports Car accidents

Intella. Plan Eligibility: Eligible Ages Primary applicant – Ages of 18 - 64 yrs old at time of enrollment • Guaranteed renewable until age 70 • Children up to age 26 on parents plan

Intella. Plan Eligibility: Guarantees Guarantee Issue Guarantee Renewable until age 70 Includ ing CI

Compensation Medical Portion = 18% Accident/CI Rider = 40% Monthly Commission on M Born 1970, = $47. 26 month Two “Other” Ohio ST Carriers: $14 per month; $15. 08 per month

Intella. Plan Enrollment – 1 st or 15 thth – Must apply by 25 th for 1 st – Must apply by 9 th for 15 th Initial Payment • Drawn time of application Recurring Payment • 6 days before Monthly anniversary of start date Form of Payment • EFT • Visa, Master. Card or Discover

NHIC Product Enrollment – E-Signature • www. vipmemberbenefits. com • Login to e-sign their application • Easiest Method – Voice Signature • Drawn time of • 3 way call with insured on the line application • Dial 210 -835 -9969 • Need Agent and correct product script

NHIC Product Post Sale: Instant Access www. vipmemberbenefits. com Client can: • Print Temporary ID Card • Access Lifestyle Innovations benefits • Change payment types • View all policy documents

NHIC Product Post Sale: Member Services • Policy changes – Coverage levels – Effective dates – Name or address • Claims • Cancellations – In writing – 10 days in advance 888 -781 -0585 Memberservices@ahcpsales. com

Agent Contracting: Link will follow this webinar Very Easy