Association Insurance Cooperative

1. Association Insurance Cooperative An Overview Presentation and AIC Savings Examples Led by Bob Brodell AIC General Agent

2. Trustmark Programs- Variety deductibles $0 - $10,000, out of network 100% to 50%, office visit features $20, $30 $40 or no copay, prescription drug copayments 5 different options, dual option of plan designs of PPO and HSA arrangement. Select from 5 different Medical Networks. • American Worker Programs- Employers who can not place medical insurance due to health reasons with Trustmark or having trouble meeting participation requirements or offer to employees who waive off medical plan and those that also take the group medical, an option for 1st dollar coverage for accidents, illness and specified diseases on a group basis. • Healthy Choices Benefit Plans- Dental, Life, Disability and Vision Plans for 2 employees or more. Employers with 10 employees enrolled may offer 3 dental plans. Employers with 100 employees or more dual network offering. Life Insurance plans offer accelerated life benefit. Enrollment can vary for life, dental and vision, employee can elect only those dependents they need covered. • AFLAC- Offers employers who can not meet participation for a group plan, individual coverage for employees. Cancer policies for employees who are interested in specific areas of coverage. Critical Illness plan for over 100 employees. • Flexibility to design Group Medical, Dental, Vision, Life, Disability, Limited Medical Programs and AFLAC Programs. Maximizing AIC Choices

3. Affordable Coverage through Flexible health plans employers can customize to meet their needs and budget, including HSA friendly plans. • Greater network Access and in-network discounts with access to national and regional network • CareChampion 24/7 Health Advocacy program • A comprehensive suite of Health and wellness management tools to help maximize the health potential of every plan member • Easy enrollment online or via telephone through express connect • Quick access to information through www.Starmarkinc.com Six Reasons to Choose Starmark

4. Pay a flat benefit for each covered service regardless of charges • Are Guarantee Issue • Have No PRE-EX Limitations • PPO Networks Available but not required • No Coordination of Benefits • Advantages compared to expense-based “Mini-Meds” • First Dollar Coverage • Guarantee Issue/No Pre-Ex • Member receives cash benefit exceeds cost of service • NOT SUBJECT TO THE PPACA GUIDELINES Limited Medical Plans (Fixed-Indemnity)

5. All plans down to two lives • All plans offered either voluntary or employer paid • Dental- Standard plans or Customize your own plan options • Vision- Multiple plan options. Can be offered on a stand alone basis • Life- Term or voluntary • Disability Healthy Choices Benefit Plans

6. Plan options working together to provide a comprehensive offering • Trustmark and American worker working together to offer coverage to all your employees. • Trustmark and American Worker working together to help meet participation requirements. • Trustmark over 1,000 plan options to meet your exact needs. • American Worker works with seven of the nation’s leading limited medical insurers, multiple TPA’s and Numerous national provider networks. • Healthy Choices and Aflac providing numerous ancillary programs to round out your offerings on a voluntary basis. AIC Plans Working Together

7. Examples of the AIC Plans working together for greater Participation and potential cost savingsIncreasing your employees overall satisfaction.

8. 100 Lives- Currently offering Major Medical program Current single rate cost is $500.00. Employer contribution is 50% of single rate ($250.00) Current participation is 50%. Current cost for Medical is $12,500 a month. Employer has a cost and participation issue. Needs an additional 25 people to enroll. Which adds $6,250 per month. Total cost just for medical to $18,750 Monthly/$225,000 annual Participation and Employer Cost Savings

9. Trustmark- Major Medical- $500.00 single rate- 50% American Worker- Fixed Indemnity- $150.00- 25% Totals Trustmark- $12,500 A.W. - $ 3,750 Total - $16,250 Savings- $2,500 per month/ $30,000 per year The AIC Solution

10. Point of Service Discount

11. Current dental program 100/80/50/50- Cost- $25.00 x 50= $1250 Healthy Choices Dental plans 100/50- Cost- $17.00 X 50 = $850 SAVINGS PER MONTH- 400.00x12= $4800 Possible Additional AIC Savings and Ideas to Expand Your Benefit Offerings

12. Renewal underwriting consideration from Trustmark • Multi –year rate guarantee from American Worker • Multiple carriers and plans available in one location • First year dental discount from Healthy Choices Top Reasons to Work with AIC

13. Reasons to Work with Association Insurance Cooperative Association Insurance Cooperative Advantage • Ease. We’ve done the work for you already!We work with top-rated carriers to find solutions for even the most challenging employer groups • Group buying power. Increase affordability and plan effectiveness through partnership in the Association Insurance Cooperative • Knowledge. Solutions for each demographic of your group: executive-level • part-time • salaried • hourly • Member organizations can retain their current brokers •  Plans available for 2 or more employees • Medical • Limited Medical • Dental • Vision • Life • Disability

14. Summary • We want your participation in the Association Insurance Cooperative • We want your business because we want and can help • We have a full range of products specifically for you and regardless of your demographic or economic circumstances • Our goal is to provide alternatives with top-rated carriers • We make quoting easy: • - Call: Bob Brodell at 312.659.4242 • - Email: bob@imaginehealthsolutions.com • - Or visit: www.associationinsurance.us