Individual Health Application Guide

1. Individual Health Application Guide Step-by-Step Process to complete a Fully Underwritten Major Medical Health Application

2. Select the Individual tab (1) then select Create a Quote (2) from your home page once logged in. (1) (2)

3. Enter client information for Gender, DOB or Age, Risk Class and Currently Insured. For those currently insured, the start/effective date can be as early as 1-5 days from the date of application. If not currently insured, the earliest start date is 30 days. Hit Customize Quote.

4. For those currently uninsured, the Effective /Start date is pushed out to 30 days from date of application. Hit “Update Effective Date”.

5. Choose the Plan, Deductible, Coinsurance, Payment Method and Network. There are several “Network Options” and the least expensive network shows as the first choice from the drop down list of networks. Hit next. Networks are listed in order of cost – Low to High. All networks are good, but the “Private Healthcare Systems” is best for anyone who travels outside their immediate area.

6. The CoreMed Plan can be made HSA compatible with the proper option selection. The view plan screen always gives 3 deductible options to choose from, the “Blue Highlighted” column is the selected plan. Hit next. HSA Compatible choices are: $5K ded or higher, Co-insurance 100%, no Prescription Drug Coverage and no Facility Fees.

7. Review Plan / Quote Summary. Hit next.

8. Enter Client Name. Hit Begin Submission. Always choose the “Begin Submission” box and not the “Click Here” link. The click here link sends the quote to the customer and they have to figure out how to submit the app. and 9 out 10 times they get frustrated and leave the app. Unfinished.

9. This page asks questions that verifies if the client(s) or dependents are eligible to apply for coverage. A “Yes” answer may make one or all applicants ineligible to apply for coverage.

10. Enter Client Information. Hit Save and Continue. Please review the occupation list to ensure your client is eligible for coverage.

11. This page asks if the customer has current coverage for or have they made application for Dental, Accident or any other Medical Coverage. Hit save and continue.

12. IMPORTANT – Always select the top option “I am with the client. Continue with Express Underwriting now”. This is the only way to complete a health application from start to finish in one online session. Hit Continue in the upper box. Always select this top box to do the online app.

13. All health questions are referencing anything that happened within the past 5 years. For anything beyond 5 years unless it’s a deniable condition, doesn’t need entered on the application. If it’s a deniable condition, you shouldn’t be making the application. See next slide for additional details.

14. Insert Height & Weight at the bottom. Hit Save and Continue

15. Payment Frequency – choose monthly, • Recurring Payment Method – choose Debit Bank Acct. (Check-O-Matic), • Existing and New List Bill is for “Employers” to make payments directly (don’t use list bill) • See next slide for additional details. No client will have a Check-O-Matic acct unless they have a current health or supplement plan with Assurant. If they have a health plan now, they don’t qualify for a new plan unless they’ve been away from Assurant for 6 months or longer. If they have a supplement of some kind, then they could use this account.

16. Payment is “Mandatory” or you can’t continue. Unless the customer has a current “Check-O-Matic Account” then No is always the answer for using an “Existing Check-O-Matic number. Credit cards can only be used for the First Payment – NOT ONGOING PAYMENTS. Ongoing payments must be Debit from a checking/Check-O-Matic account. Hit save and continue Routing numbers: The system verifies the routing number and matches it to their bank. If the routing number was entered incorrectly, the system will not let you proceed until a valid number is entered. It’s best to coordinate the withdrawal date with the effective date by leaving the box checked for “Same as Effective Date. Always leave this box checked as “No”. Otherwise, the application is sent to the customer for review and then they have to figure out how to finish the app. This isn’t good, because most apps. go unfinished.

17. Check the box in the middle of the page for Client Summary and select “Yes” that the customer agrees with these statements. Hit Save & Continue Check this box This has to be a “Yes” answer.

18. All three sections in the top half of this page must be marked “Yes” See additional details on next slide.

19. This Health Replacement Statement page must be marked “I Agree”. The client is agreeing that they will terminate or lapse any other health coverage polices currently in effect. It also addresses “Pre-Existing Conditions” – they may not be immediately covered or the condition could have a permanent rider or the condition could result in a denial. Again, if you’re following your underwriting guide, you know that your client is eligible for coverage. Hit Save & Continue

20. By checking “I Agree”, the client authorizes Time Insurance Co. / Assurant Health to gather additional information from any doctors listed on the application to make a final Underwriting decision to approve without conditions, approve with conditions or deny coverage. Hit Save & Continue.

21. You can pause your screen sharing session to complete the next page with your agent ID etc., and then hit “Submit”. This will electronically send the application directly to the underwriting department at Assurant Health and you are done. You will have the option to print the application and/or save the application – I strongly recommend every application be saved, printed or both. If the information on this app. was collected from someone other than the Primary Applicant, make the selection here. Then advise the person you’re dealing with that the Primary will receive a verification call regarding this application.