Employee Training

1. Employee Training

2. Show Training Video

3. Why Are Credit Unions Getting Involved? • A once-in-a-generation opportunity to provide critical support to members at a time of great need and confusion • Offer affordable, high quality health insurance solutionsthat are closely tied to the members’ financial health • An opportunity to deepen relationships with current members and attract newmembers • May cross-sell an HSA, checking account or other products with a CoOportunity Health plan • Generate non-interest income through referral fees • An easy process to connect members with expert help • If credit unions do not help members now, who will?

4. What’s NOT Expected of You • To become an expert on health care reform • To become an expert on health insurance • To become an expert on CoOportunity Health • To know everything there is to know about the CoOportunity Health plans • To have detailed conversations with members about any of the above

5. What IS Expected of You • Use the provided marketing materials to get the word out about CoOportunity Health • Use the talking points to ask the members a few questions • Provide members a brochure and log their referral information into the GBL portal or advise them to call the toll free number, 1-855-274-2383

6. The New Health Insurance Marketplace7 Big Changes Impacting You and Your Members       

7. Health Insurance Marketplace Marketplace

8. REFERRAL PROCESS(review FAQs)

9. The Referral Process Step by Step Guide • Step 1: Ask one of the following questions to the member as you’re helping them: • Have you heard about the new health law and how you can get affordable health insurance now? • Do you currently pay for your own health insurance? • Have you heard about our new health insurance program with CoOportunity Health? • Do you have health insurance through your employer? • Step 2:Respond using the talking points and provide them with a brochure • Step 3: Refer the member to GBL using the online portal or toll-free number • Enter the members’ information using the “Make a Referral” tab on IowaCreditUnions.com/CoOportunity (best option) • Direct them to the toll-free number: 1-855-274-2383 • Call GBL from the credit union and have them set up an appointment

10. Talking Points for Employees • Getting health insurance has never been easier. There are new choices available and no one can be denied for health conditions. • Health insurance is more affordable than ever. You may qualify for tax subsidies that will make your premiums less expensive. You owe it to yourself to learn how the law can help you. • We’ve partnered with independent experts who can help answer your questions. Simply call the toll-free number or let me complete a referral using our online portal. • If you have health insurance through your employer then an individual plan from CoOportunity Health likely isn’t the best solution for you. You should talk to your employer about your options and make sure your dependents are covered under your plan.

11. Referral Portal http://cooportunityhealth.com/aspx/forms/cu_form.aspx • How to load a referral in the website • Collect first name, last name, email, phone number, zip code, credit union name, branch location, name of employee who referred them, what do you need insurance for • Encourage members to call 1-855-274-2383 to talk to an enrollment expert Spanish English

12. Other Cross Selling Opportunities • Credit union to add in own information here

13. SCENARIOS(review Role Playing Scenarios, Credit Union Talking Points, and FAQs)

14. Turning 26: Young Invincible What would you say to refer Mike to CoOportunity Health? • CoOportunity Health | 8/15/2013 14

15. Uninsured Working Poor What would you say to refer Maria to CoOportunity Health? • CoOportunity Health | 8/15/2013 15

16. Insured, NOT Subsidy-Eligible What would you say to refer Susan to CoOportunity Health? • CoOportunity Health | 8/15/2013 16

17. QUESTIONS/DISCUSSION