Basics of Funding Advantage 2017 Agent Training Module

Basics of Funding Advantage 2017 Agent Training Module #2 11667 s 1017

Topics for Module #2 • The Basics of Funding Advantage • Funding Advantage – The Product • Funding Advantage – The Process • Employer and Member Resources

What is Funding Advantage? • Alternative Funded Small Group Medical Plan – Level Funding “on training wheels” – 2 or more lives – ACA compliant • Level funding made “SIMPLE” • Prepackaged plan docs and specific and aggregate stop-loss • Level-funded plan • Terminal liability coverage included • Medically underwritten • Full accommodation

A Level-Funded Solution (With Refund)

A Level-Funded Solution (No Refund)

Funding Advantage Features Accommodation • When claims exceed money in claim fund – insurer loans employer money Reporting • Detailed monthly reporting showing claim fund activity Plan Year and Claims Run-Out • 12/21 plan • Claims incurred during plan year are payable for 9 months past end of plan year • At end of the 9 -month run-out – all remaining claims funds belong to employer! • No hidden terminal liability costs

Sample Monthly Report Self Funding Client Accounting Report

Sample Monthly Report Self -Funding Client Accounting Report

Funding Advantage Rating Methods Group 2 -9 • Age-Banded Rates • Medical Underwriting Groups 10 -100 • Composite Rates • Medical Underwriting Group 100+ • Composite Rates • Experience Rating

Allied National - Benefit Plan Grid PPO Plan Freedom Plan Deductibles 500 750 1, 000 1, 500 2, 000 2, 500 3, 000 3, 500 4, 000 5, 000 6, 000 7, 500 10, 000 Coinsurance 50, 70, 80% 50, 70, 80% 50, 70, 80, 100% 50, 70, 80, 100% OOP after Deductible 2500, 3000, 4000, 5000, 7500, 10 K 2000, 2500, 3000, 4000, 5000, 7500, 10 K 1500, 2000, 2500, 3000, 4000, 5000, 7500, 10 K 1500, 2000, 2500, 3000, 4000, 5000, 7500, 10 K 1500, 2000, 2500, 3000, 4000, 5000, 7500, 10 K Major Medical Rx - 8 options None, Ded Integrated, Generic Only, Formulary $0 ded, $150, $250, $350, $500 Brand Name ded available on all Maj Med plans Copays $30, $35, $40 unltd, X 4, or X 2 $30, $35, $40 unltd, X 4, or X 2 $30, $35, $40 unltd, X 4, or X 2 $30, $35, $40 unltd, X 4, or X 2

Allied National - Benefit Plan Grid HSA Qualified Plans Deductibles Agg/Emb Coinsurance OOP after Deductible 1, 500. 00 Agg only 80% 1500, 2000, 2500, 3000, 4000 2, 000. 00 Agg only 80% 1500, 2000, 2500, 3000, 4000 2, 500. 00 Agg only 80, 100% 1500, 2000, 2500, 3000 3, 000. 00 Agg/Emb 80, 100% 1500, 2000, 2500, 3000 3, 500. 00 Agg/Emb 80, 100% 1500, 2000, 2500 4, 000. 00 Agg/Emb 80, 100% 1500, 2000 5, 000. 00 Agg/Emb 100% 0 6, 000. 00 Agg/Emb 100% 0 Rx available Ded Integrated $3/10/30/50/10% after ded Ded Integrated $0/0/0/50/10% after ded

Allied™ Funding Advantage Specific Attachment Levels Group Size 2 to 19 20 to 34 35 to 44 45 to 64 65 to 89 90 to 139 140 to 199 Default Specific Attachment $10, 000 $15, 000 $20, 000 $25, 000 $35, 000 $50, 000 $75, 000 Optional Specific Attachment $10, 000 $25, 000 $35, 000 $50, 000 $75, 000 $100, 000

Service Access Online sites accessed via www. alliednational. com • Employer Self-Service Site • Member Self-Service Site • Agent Self-Service Site

Allied Agent Self-Service Site Get detailed information about your groups: Group Sales Individual Sales Pending Sales Group Data Group Benefits Group Documents Billings Agreements Self-Funding Monthly Report User Account Profile Allied Support

From Allied National Introduction to My. Wave Connect

My. Wave Connect Your Clients’ Business Resource • Employers need more support, and it’s hard to find reliable information in a timely manner. • We have the solution: My. Wave Connect. • My. Wave Connect is an employer’s free, all -access pass to all the valuable business resources that they need — available on demand, 24/7.

My. Wave Connect Take Control of Compliance Employers can access comprehensive compliance information on ACA, COBRA, HIPAA, FMLA, employment laws and more.

My. Wave Connect Roll Out Information 1. Or request account access at www. alliednational. com/mywave 2. Once employers have registered, they will be able to log on to My. Wave from www. alliednational. com/mywave

Allied Member Connection A new way for members to connect and interact.

Allied Member Connection Portal

What is Allied Member Connection? Starting Point for Member Engagement • Access to everything about Allied National and their health benefit plan • A one-stop-resource portal • Personalized interactive wellness program • Self-Service Site access • Health risk assessment • Telemedicine - Video medicine • Plan info, Rx info, provider lookup • Members earn money $$$ for engagement

About Benovate A custom technology platform that merges health resources into a single environment to drive awareness and increase resource utilization, ultimately improving health and reducing health care costs. • In partnership with Allied, Benovate will be providing a technology platform that customizes to each individual member’s health interests and needs, providing rewards for everyday wins and access to superior care for long-term health management.

Compliance Support Allied National prepares and distributes IRS Form 1095 -B for each employee every January at NO COST to the employer. Forms are sent electronically to the employer. Copies are available on the employer’s Self-Service Site.

Thank you! Allied Sales Support Phone: 888 -767 -7133 Fax: 913 -945 -4390 www. alliednational. com • sales@alliednational. com twitter. com/alliednational