What to Look For In a Complete Healthcare Plan

1. What to Look For In a Complete Healthcare Plan 1. Make sure you’re covered by an “A” rated or higher insurance provider.2. Our Providers are the leaders in the health care industry for paying claims on time.3. We make sure our clients have access to a vast nationwide network of providers.4. We give our clients unlimited lifetime coverage without yearly caps.5. Our clients choose their favorite medical providers without needing referrals.6. We make sure preventive care is available on every health plan we offer.7. We help you custom design a complete benefits plan that fits your needs and budget.8. A complete plan provides for living expenses upon diagnosis of a critical illness.9. An effective plan provides for loss of income during a long recovery from an accident.10. By knowing your needs, we will advise you on how to best protect your family. The future is unpredictable, are you properly protected?

2. Key Benefits of A Complete Plan Nationwide Network of medical providers – Why is this important to you? • Do you have children in college who live out of your local area? • Do you travel for work, vacations or have family in other states? • All of our plans give everyone access to the most trusted medical providers throughout the United States and you don’t need a referral. Coverage Limits and Wellness Benefits:   All of our Major Medical Plans offer unlimited coverage. We want you to have a plan with no annual limits, so you always get unlimited yearly coverage, with no extra cost! • Wellness visits are also included in every plan including annual check ups, gynecological visits, prostate screenings, blood tests etc. Can you see the value of having this in a health care plan?

3. HMO or PPO: Which Plan is right for you and is there a difference? • Health Maintenance Organizations - HMO’s: • • Restrict you to a smaller list of providers and require pre–approval from a Primary doctor. HMO’s have exclusions of coverage outside your coverage area. • • With limited choices, a patient may have to settle for inferior care and in cases of critical illness coverage, that’s just not acceptable. • Preferred Provider Organizations – PPO’s: • • Most people like this option because even if their doctor isn’t part of the network, it means they don't have to change doctors to join a PPO. • •We want to make sure your favorite doctors and hospitals are in your plan.

4. Other Key Benefits a Plan Must Have • Coverage for the incorporated business owner • Do you own a company and are you incorporated? S-Corp LLC C-Corp • Are you covered under any workers compensation plan? • Self employed (not incorporated) ..... you are covered under any health care plan. • Self employed (Incorporated)..... you are not covered for any work related incident. • Thetypical policy explains this under the section“What is not covered” • “Any illness or accident that occurs in the course of employment, if workers compensation is available …….. (this means if you are an incorporated business owner you are not covered on the job because workers compensation is available to you). • Therefore, if you’re incorporated we always make sure we give you a plan that • will cover you 24 hours a day, 7 days a week “On andOff the job”.

5. Automatic Decreasing Deductible Credit • We recommend plans that automatically lower your deductible over the ownership of your plan. • You’re monthly premium stays the same, but your deductible actually goes down. Typical example of a family deductible: Plan deductible $5,000.00: Receive annual reductions of 20% with a stopping point of $2,500.00 or 50% of the original deductible. Not all providers and/or plans offer this feature, but we strongly recommend this feature if available.

6. Most people today, survive cancer, heart attacks and accidents in large part due to advancements in modern medicine. However, the average recuperation period takes about 7 ½ months nationwide. Most American's don’t have enough savings to survive being out of work for 7 ½ months during the recuperation period. In fact, over 50% ofALLbankruptcies in the United States today, are the direct result of people not having the savings to pay their living expenses during an extended illness or recovery from an accident. Shockingly almost 60% of these bankruptcies were people who HadMedical Insurance in place. We can make sure you’re completely covered and “SAVE” you money at the same time!

7. You are your family’s most important asset! Health care plans protect your assets from the cost of medical care! But that’s not the only protection you’ll need if faced with a severe medical issue. Consider how you’ll handle being faced With an Extended Recovery From a Critical Illness or Accident… - How will you protect your income and your lifestyle? - How will you protect your investments and your retirement nest egg? - Who pays the living expenses of the family when income is lost – How will you pay the Mortgage, Utility bills, Grocery bills, Car payment, Etc. Etc. Etc. You can only purchase health related insurance before you need it! Just having your medical bills paid still leaves your assets at risk!

8. Insurance Is The Transfer of Risk and a Complete Health Insurance Plan Should Have The Following, if available in your State! $50 K in Critical Illness Coverage $1,500.00 per month Disability Income Coverage $100 K Life Insurance policy 100% coverage on all accidents Unlimited RX benefits Decreasing Deductibles Yearly Unlimited Lifetime Coverage with No Yearly Caps Wellness / Preventative benefits

9. Prepare - Plan - Protect - Prepare for the unexpected and the what if’s in life. - Plan to have your bills covered in the event of a serious injury or illness. - Protect your lifestyle and ensure your future with a complete health plan. Having the right benefits plan, actually costs less and saves you money. Let’s look at the facts and review the costs

10. The real facts on health insurance plans revealed Insurance carriers set the price - Insurance agents cannot raise or lower the price. Regardless of the plan you select, the price cannot be altered. That is the law! Without proper guidance, you could get the wrong plan – leaving you exposed and that could cost you more than just money! “A Complete Health Care Plan should be a balance between the price you can afford and the benefits you want and need”.

11. Why do most people prefer a higher deductible? Let’s look at a typical example with the most common deductible choices! Husband & Wife both age 45, with 2 children Deductible Monthly Monthly Savings Yearly Savings Ten Year Choices: Payment over $1000 Ded over $1000 DedSavings $1000 $989.87 $00.00 $00.00 $00.00 $2500.00 $753.73 $236.14 $2833.68 $28,336.80 $5,000.00 $610.68 $379.19 $4550.28 $45,502.80 $10,000.00 $475.87 $514.00 $6168.00 $61,680.00 We show you how to apply the savings to purchase Accident Benefits, Life insurance, Critical Care Coverage and Loss of Income Protection just like the “second house”. *Doctor visits – do they save you money or cost you money? Let’s take a look

12. Adding Doctors Office Coverage – Is it the best choice? Some consider a plan incomplete if they don’t have a co-pay to go to the doctor. Others believe it’s a way for Insurance companies to increase their monthly premium. How often do you visit your doctor every year? • As a National average, the number of Dr. Office visits per person per year is 4 and the average cost per visit $80.00. •The coverage is optional on some plans and the cost is usually more then the cost of the average number of visits per year. • Eliminating the doctors office coverage and co-pay can reduce your monthly premium. • Health Savings Account Plans – HSA: Let’s consider the benefits and how it can affect your premium and savings

13. Health Savings Account (HSA) • An HSA plan is a combination of a IRA type savings account and a high deductible health plan. • Like an IRA Retirement Account, you can invest premium savings pre-tax into an HSA. • Individuals can contribute up to $3,050 per year and Families can contribute up to $6,150 per year. These contributions are 100% tax deductible from gross income. • A key benefit of an HSA account is the ability to pay tax free for any medical expenses up to your deductible including doctors office visits and prescription drugs, with 100% coverage after the deductible. • The money you save using a high deductible plan will offset your plan deductible. • The money you put into an HSA stays with you. You do not lose it at the end of the year. • HSA Plans are normally chosen when our clients decide not to purchase Doctors Office Visits. • Also with an HSA Plan there is one deductible per entire family compared to two deductibles with plans that provide coverage for doctors office visits.

14. Having a Health Care Plan that completely protects you, will actually save you money! Husband & Wife - both age 45, with 2 children in PA. Most commonly used deductibles: $5,000 - $7,000 - $10,000 Health Coverage OnlyHealth Coverage w/asset protection $1,000 deductible$10,000 deductible 100 % co insurance 100 % co insurance Unlimited per person coverage Unlimited per person coverage Unlimited RX Unlimited RX $35.00 office co-pay $35.00 office co-pay None$10,000 accident benefit per person None$100 K life coverage per parent None $50 K critical illness payment tax free None$1,500.00 /month accident disability Family premium $ 989.87 /month Family premium $ 565.74 /month Monthly savings = $424.00 That’s over $5088.00 savings a year and over $50,880.00 in ten years! I know it’s obvious in terms of savings, but which plan would you choose to protect your family? That’s why people come to us from all over the United States. We provide greater protection for less money!

15. One of the key features of seeking counsel through an Insurance Broker is that we have access to all the top health insurance plans and options that are available on the market today. Now we don’t have a preference which plan or carrier you choose, that’s totally up to you. But based on our research, we feel we’ve eliminated the plans with limiting coverage and benefits. What we look for is a coverage plan that offers all the benefits of a group plan and in most cases we’re able to offer you more choices through enriched benefit options such as Dental, Vision, Accident Benefits, Critical Illness coverage and Disability Income Protection. We want you to have access to a benefits package that normally only the high end executives at corporations get, but a fraction of the cost. This is the power of a complete health plan and through our research, we’ve put together 4 plans that fit your needs and budget based on our initial conversation. And with your permission, I would like to review these options.