40962-G-1011 COPAY SELECT SM VALUE WITH SUPPLEMENTAL ACCIDENT RIDER Copay Select SM Value provides pricing flexibility. Value Packaging allows for significant.

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COPAY SELECTSM VALUE WITH SUPPLEMENTAL ACCIDENT RIDER

Copay SelectSM Value provides pricing flexibility. Value Packaging allows for significant cost savings.

40962-G-1011

Copay SelectSM Value

What is a common deciding factor when purchasing a health insurance plan?

Plan DesignNetworkName Recognition

Price

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Copay SelectSM Value

Copay SelectSM ValueAllows for Pricing Flexibility

What is Copay SelectSM Value4 Doctor Office Visit Copays$15 Generic Rx Copay Card70/30% Coinsurance

24% Savings

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Price Flexibility

Deductible & Coinsurance Sample Rate

$5,000, 80%; unlimited $35 DOC & 4-tier Rx copay $331.53

$7,500, 80%; unlimited $35 DOC & 4-tier Rx copay $282.08

$10,000, 80%; unlimited $35 DOC & 4-tier Rx copay $241.41

Husband & Wife Age 35 with one child, age 10, Preferred I rate, Orlando FL 32891

$5,000, 70%; 4 $35 DOC & Generic Rx coverage $250.94

$7,500, 70%; 4 $35 DOC & Generic Rx coverage $213.51

$10,000, 70%; 4 $35 DOC & Generic Rx coverage $182.72

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4 Doctor Visit Copays

Why 4 Doctor Office Visit Copays?Two doctor office visits on average is 2 per member*Additional doctor office visits covered, subject to deductible and coinsurance

*All plans except Saver plans in a twelve month period ending September, 2010

Preventive care visits are

covered and do not count

toward office visits!

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Generic RX Coverage?

Nearly 80% of FDA-approved

drugs have generic

counterparts.1

75% of total prescriptions dispensed are

generic.2

Information from HHS.IMS Health Website, April 2010

Why $15 Generic Rx Copay?

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70/30% Coinsurance

Why 70/30% Coinsurance?Reduces premiumSame copay applies

Significant provider discounts can reduce the likelihood of meeting a calendar year deductible

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Copay SelectSM Value

Why ?Lower PremiumSame Preventive Care BenefitDeductible Credit applies

24% Savings

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Copay SelectSM Value vs. Competitor 1*Copay SelectSM Value provides flexibility

Copay SelectSMValue$5,000 Deductible $35 Copay (4)70% Coinsurance

Competitor 1$5,000 Deductible $40 Copay 80% Coinsurance

Monthly Premium $254 $312

Specialist Dr. Visit Copay $35 $60

Deductible Credit?Yes No

Emergency Room Copay $100** $700

*Preferred I rate , husband and wife age 35 with 1 child. Zip 32891. Rate as of 10/01/2011**Applies for Illness if not admitted. Deductible and Coinsurance apply.

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Copay SelectSM Value

When?To bring your client back from “no”When your lead product does not meet your client’s budgetNeed a lower price point to allow for Supplemental Coverage

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Supplemental Accident Coverage

Helps reduce out of pocket expensesBenefits range from $500-$10,000Benefits are per person, per accident

Applies to: Deductible

Coinsurance & Copays

Gives clients confidence in choosing higher deductibles

Helps you generate more income

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12

Supplemental Accident

Client Example, $5,000 Benefit

Copay SelectSM Value $5,000 Deductible, 70% Coinsurance, 4

DOC, Generic Rx copay

Supplemental Accident satisfies covered out-of-pocket expenses related

to accidents up to benefit maximum.

Copay SelectSM

Plan pays 70% for covered

expenses once deductible is

met.

$5,000 Deductible

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It’s Easy on E-StoreJust Three Easy Steps in E-Store to Save!

Choose “Copay Select”

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It’s Easy on E-StoreJust Three Easy Steps in E-Store to Save!

Step 1: Choose 70/30 in the

Coinsurance drop-down menu.

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It’s Easy on E-StoreJust Three Easy Steps in E-Store to Save!

Step 2: Choose Generic Only Rx

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It’s Easy on E-StoreJust Three Easy Steps in E-Store to Save!

Step 3: Choose 4-Office Visit

Copays

That’s it!

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Less Premium can provide MORE

More -

More Coverage -

More Coverage-

More Coverage-Compensation

Supplemental Accident

Term Life

Dental and Vision

35% More in previous example

E-Store makes quoting easy!

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Thank You!

Choices You Want. Coverage you Need.®

Justin ClementsNational Key Broker Account Executive

Copyright © 2011 Golden Rule Insurance Company, the underwriter of these plans marketed under the UnitedHealthOne brand. UnitedHealthOne is a brand name used for products underwritten and/or administered by the following Insurance Companies: American Medical Security Life, Golden Rule, PacifiCare Life and Health, UnitedHealthcare. The brand name may also be used for PacifiCare Life Assurance Company products. Plans are medically underwritten. Not for Consumer Use 40962-G-1011