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LCGP-PPT1107

Sensible Insurance for Today’s Lifestyles. UAI0052 1107. LCGP-PPT1107 . What are the headlines saying?. Healthcare costs are still rising fast and 47 million Americans are uninsured!. Source: U.S. Census Bureau, August 2007. Americans Face a Healthcare Crisis.

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LCGP-PPT1107

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  1. Sensible Insurance for Today’s Lifestyles UAI0052 1107 LCGP-PPT1107

  2. What are the headlines saying? • Healthcare costs are still rising fast and 47 million Americans are uninsured! Source: U.S. Census Bureau, August 2007

  3. Americans Face a Healthcare Crisis • Healthcare costs keep increasing, and so does the rate of general inflation • Projected Healthcare spending in the United States • 2005 - $2 trillion • 2009 - $2.9 trillion • 2015 - $4 trillion Source: National Coalition on Health Care, Facts on the Cost of Health Care, 2007

  4. Persons Without Health Insurance Rising costs in healthcare are pushing up health insurance premiums and forcing Americans into the ranks of the uninsured. 1998 — 41.4 million 2002 — 41.2 million 2003 — 43.6 million 2004 — 45.3 million 2005 — 46.6 million It becomes a problem if you are a member of the uninsured! Source: U.S. Census Bureau, August, 2006 (Center on Budget and Policy Priorities) www.cbpp.org/8-29-06health.htm

  5. The Cost of Healthcare • Hospitals take the biggest bite of the healthcare dollar, but physician costs are not far behind. Estimated Breakdown of Insurance Premiums with Medical Liability and Defensive Medicine Extracted, 2005 Source: PricewaterhouseCoopers, April 2006

  6. Where Do the Largest Medical Expenses Occur? • Hospital Confinement • Surgical Expenses • Emergency Room Charges Source: Trends in the Health of Americans, 2006

  7. Hospital Confinement vs. Doctor’s Office Bills • The average cost of a four-day hospital stay, which includes room/board, surgical, miscellaneous and emergency expenses is nearly $20,000!* • The average cost of a doctor’s office visit is only $200.* Sources: *Washington Post, October 22, 2006

  8. Therefore, the most important areas to cover are: • Hospital Confinement • Surgical Expenses • Emergency Room Charges

  9. UA’s Freedom of Choice It’s your health!You choose your healthcare providers.Who? What? When? Where?These are questions that you answer!

  10. UA’s Freedom of Choice • With United American Insurance Company, you are in control of your healthcare: • No gatekeepers • No primary care physicians • No precertification • No worries about using out-of-network providers which could run up huge copayment obligations.

  11. UA’s Freedom of Choice If protecting yourself and your family from the rising cost of healthcare is a priority, then you should consider an affordable health insurance policy.

  12. UA’s Freedom of Choice United American’s FLEXGUARDPlus offers options for controlling your premiums without giving up benefits, and has optional features for your protection.

  13. Built In Features • Issue Ages: 0-63 • Freedom of Choice - UA Policyholders are free to visit any hospital or doctor they wish. • Guaranteed Renewable as long as premiums are paid on time. • Flexibility & Benefits – Policy serves as basic or supplemental insurance. • Build to Suit - You design the policy with the coverage required to meet your needs. • Choice of Benefit Amount – $100,000*; $75,000*; or $50,000* • Portable Coverage – Individual policy goes where you do. • Coverage for Individuals and Families Download Sample Brochure Policy Form GSP2. This policy has some limitations and exclusions. Plans and benefits vary by state. * Subject to Daily Dollar Limits

  14. Inpatient Benefits or Outpatient Surgical Benefits * Subject to daily dollar limits

  15. Inpatient Benefits or Outpatient Surgical Benefits $75,000 $100,000 $50,000 *Allowable surgical benefit amounts are specified in the Surgical Schedule within the policy. †Pays in addition to the Surgical Expense Benefit.

  16. Inpatient Benefits

  17. Outpatient Benefits

  18. The following health add-ons are available at an additional cost. This optional health coverage will not continue if you cancel your FLEXGUARDPlus policy.

  19. • Outpatient Benefit: Choose an additional $500 or $1,000 in outpatient nonsurgical coverage.

  20. • Additional Physician’s Outpatient Visits Benefit: • Double the benefit amount for your doctor visits and annual physical exam. • 80% of the doctor’s fee, up to $50 per visit; • 80% of the annual physical exam fee, up to $100 for one annual exam per year; annual maximum of $500.

  21. • Optional Cancer Benefit Rider (Rider Form R-CANR): • Choice of cash benefit amount of $10,000 up to $50,000. • Benefit is payable upon written satisfactory proof of a first diagnosis of cancer or malignant melanoma. • You must qualify for this optional rider. • 30-day waiting period applies. • Benefits will be reduced by half at age 65.

  22. Optional Health Coverage • • Optional Critical Illness Benefit Rider(Rider Form R‑CIX): • Choice of cash benefit amount of $10,000 up to $50,000. • Benefit is payable upon a first diagnosis of critical illness including heart attack, stroke, end stage renal failure, or major organ transplant. • You must qualify for this optional rider. • Not available for children. • Benefits will be reduced by half at age 65.

  23. Optional Health Coverage • • Optional Accident Benefit Rider (Rider Form R-ACC2): • You choose a benefit amount of $10,000, $20,000, or $30,000. • The Rider pays ONE of the following: Accidental death benefit; Lump sum amount for specified injuries; Weekly hospital stay benefit; or, First aid medical care benefit. • You must qualify for this optional rider.

  24. Optional Life Coverage These life add-ons are available at an additional cost. You will receive a separate policy for any life insurance purchased in addition to your FLEXGUARDPlus policy.

  25. Optional Life Coverage • Optional Life Policy Qualification: If you qualify for a standard issue FLEXGUARD®Plus policy, without select benefit or exclusion riders, you are automatically eligible for up to $20,000 Whole Life or Term Life insurance.

  26. Optional Life Coverage • Optional Whole Life Policy (Policy Form SWL) or Term Life Policy (Policy Form RT10): You and/or your spouse can select either Whole Life or Term Life insurance and choose a face amount from $1,000 up to $20,000. Tobacco/nontobacco rates available.

  27. Optional Life Coverage • Optional Child Term Life Rider (Rider Form U4272): Available with the purchase of an adult Whole Life or Term Life policy. Choose $5,000 or $10,000 of coverage for children age 0-23.

  28. Stability —Meeting the life and health insurance needs of the public for more than 60 years. Financial Strength — A+ (Superior) Financial Strength Rating from A.M. Best (as of 06/07) AA- “Very Strong” Financial Strength Rating from Standard & Poor’s (as of 11/07) Quality Protection —Insurance coverage to protect you and your family now and in years to come. Superior Service —One-on-one personal service for the life of your policy, backed by Home Office support. United American stands on…

  29. Providing quality health protection since 1947 Excellent ratings with A.M. Best Company and Standard & Poor’s Local offices Personal support (ability to speak with a live person, either Home Office staff or Agent) Individual qualification (not a group plan) Guaranteed renewable policies, as long as premiums are paid on time Freedom of choice Optional Discount Services Program helps drive down the cost of healthcare services Why Should You Choose United American?

  30. Dental Vision Hearing Chiropractic Prescription Drug Vitamins & Nutritional Supplements 24-Hour Nurse HelpLine Travel Assist* UA Partners® Program Our optional noninsurance discount services program includes discounts on: UA Partners is not a health insurance policy. Members will receive discounts on medical services when they go to certain healthcare providers who are contracted with the plan. Members are solely responsible for payment of all healthcare services. No portion of any provider’s fee will be reimbursed or otherwise paid by the plan. This plan is administered by Best Benefits, Inc. 8420 Bryn Mawr, Suite 700, Chicago, IL 60631, www.FindBestBenefits.com. * Availability may vary by state.

  31. 20%–40% Chiropractic UA Partners® Program Non-insurance discount services program with savings for: 10%–50% Dental 20%–60% Eye Care 10%–20% Hearing Aids 30%–50% Vitamins/ Supplements Up to 30% Prescriptions Save More $$ Mail Order Pharmacy

  32. Stability • Service • Quality • Commitment

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