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July Implementation July Implementation

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July Implementation July Implementation

Product TrainingProduct TrainingMay 2009May 2009

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AgendaAgenda

• Assurant Affordable Health Access – Assurant Affordable Health Access – An easy solution now even easier to sellAn easy solution now even easier to sell

• New Sales OpportunitiesNew Sales Opportunities• HSA Tools Helps Clients Manage FundsHSA Tools Helps Clients Manage Funds• Good News in KansasGood News in Kansas• CoreMed Drug OptionsCoreMed Drug Options• Patient Care Supports RetentionPatient Care Supports Retention• TelaDoc Helps Control Clients’ CostsTelaDoc Helps Control Clients’ Costs• Health Access Electronic SubmissionHealth Access Electronic Submission

Assurant Affordable Health Access

The affordable health insurance solution that covers the everyday needs consumers value most

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Assurant Affordable Health Assurant Affordable Health AccessAccess• Launched in August 2008

– Paper application submission

• Seeing great sales success with individual consumers– Looking for affordable coverage– Out of a job– Employer doesn’t offer coverage… and who are different than our

traditional plan buyers

• Placement rates 92+%• Early retention results positive

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Health Access Sales and % of Channel MGA: AHAA Apps

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Expanding the IM Market

18MAmericans

15M > 400%Federal Poverty Level

7M 200-400%Federal Poverty Level

2M Uninsurable

13M < 200% Federal Poverty Level

9M Non-U.S. Citizens

46M Uninsured

IndividualMarket Today

Uninsured Americans

•New customer base – incremental market space

•States endorsing Limited Benefit plans to help solve uninsured crisis

•NOT cannibalizing core products, including Rightstart

Market Focus

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Assurant Affordable Health AccessThe right plans for the right time

• Affordability Three modestly-priced plansThree modestly-priced plans

• Usefulness• Usefulness Covers services for everyday needsCovers services for everyday needs

• Value• Value First-dollar benefits and discountsFirst-dollar benefits and discounts

• Accessibility• Accessibility Easy to qualifyEasy to qualify

• Flexibility• Flexibility Keep your doctorKeep your doctor

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Why it’s so popularConsumers want an affordable plan with:• First-dollar benefits on services for

everyday needs they value– Doctors’ office visits– Prescriptions– Preventive care– Immunizations

• Copays • No high deductible

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“Just Make it Simple”

Consumers dread shopping for health insurance and are overwhelmed by the

process.

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What Consumers Say … Affordability is the #1 reason consumers purchase Health Access• “I figured a little was better than nothing …

‘Peace of mind’ would be the three words that would cover what I want to accomplish. I know that if I go into the doctor, I know the office visit is covered. I don’t have to worry about going to the doctor…It’s peace of mind to have the office visit paid for” (Noel/58).

• “It’s affordable…and it gives you what you need” (Jolene/45).

• “For the small amount you spend, you get your value, you get your money’s worth” (Robert/39)

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What Consumers Say … The process of signing up for Health Access was not difficult.• “It was described as the good, better, best

plans, and you made a choice. I chose the middle one, the most affordable for what I needed.” (Tracy/40)

• “He showed me the very basic to the middle of the road and the Cadillac one. I chose the middle of the road one, so I can be covered for doctor visits-like if I get a cold, some kind of prescription plan that covers at least something. Something that covers hospital visits and basic procedures. This plan will pay up to a certain amount. I can deal with that.” (Steven/37)

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Who is the Health Access Customer• 60% of HEALTH ACCESS applicants

have high school or technical school training as their highest level of education

• 46% of HEALTH ACCESS applicants have family incomes of less than $50,000

• 33% of HEALTH ACCESS applicants have family incomes of less than $40,000

• 20% of HEALTH ACCESS applicants have a net worth of less than $25,000

Assurant Affordable Health Access

PLAN OVERVIEW

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Assurant Affordable Health AccessAssurant Affordable Health AccessLimited-Benefit ProductLimited-Benefit Product

Three limited-benefit plans:• Health Access Plan A

—No medical questions• Health Access Plans B or C

—Limited medical questions

• An affordable option compared to major medical plans

• Coverage for certain services up to a set dollar amount

• Calendar year maximums

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Health Access Product OverviewHealth Access Product Overview

• Available in AL, AR, AZ, FL, IA, IL, IN, MI, MO, MS, OH, OK, PA, SC, TN, TX, WI, WV and WY

• No benefit waiting periods• Covers what is important to employees

—Doctors’ office visits and prescription drugs—Preventive care and immunizations

• Network discounts

• Optional benefits such as Dental-Vision Discount Plan, Dental Insurance and Cancer Benefit

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Coming for Mid August

• Suite Solutions• Additional states:

– Certain- SD, AK, DE, MD, NE, NM, CO, GA– Highly likely- LA, CA, – Hopeful- NC, NV

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Health Access Plan A OverviewHealth Access Plan A Overview

• Easy to apply for:—No underwriting (no medical questions)

—No pre-existing condition limitations

—No ratings

—No special exception riders

—No condition-specific deductibles

• Applicants through age 63 are eligible• Covers services for everyday needs

—No modified benefit endorsements

• Health Advocates Alliance Membership (some states)

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Health Access Plan A

Doctor Office VisitsClient pays copay and the plan pays 100% of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots.

• $25 (Primary Care and Retail Health Clinic)

• $35 (Specialist)• Limit 4 office visits• Plan pays $150 max per office visit• No deductible or coinsurance

Prescription DrugClient pays copay and plan pays 100% up to a maximum of $750 per calendar year

• $10/$50 (Generic/Brand)• Plan pays up to $750 max per calendar

year• No deductible or coinsurance

Outpatient Diagnostic Imaging and Laboratory Services

• Plan pays up to $250 benefit for x-ray and lab only

• No deductible or coinsurance

Surgical Services • Must be performed during an office visit• Plan pays $250 max per calendar year• No deductible or coinsurance

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Health Access Plans B and C OverviewHealth Access Plans B and C Overview

• Only two medical questions– Pregnancy/adoption – Select few medical issues

• Applicants through age 63 are eligible • Covers services for everyday needs plus inpatient,

outpatient and prescription drug benefits• Easy to apply:

— Accept/Reject application

— No ratings

— No special exception riders

— No condition-specific deductibles

— No modified benefit endorsements

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Health Access Plans B and CHealth Access Plans B and C

PLAN B PLAN C

Doctor Office VisitsClient pays copay and the plan pays 100% of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots.

• $25 (Primary Care, Specialist & Retail Health Clinic)• Limit 4 office visits• Plan pays $150 max per office visit• No deductible or coinsurance

Prescription DrugsClient pays copay and plan pays 100% up to a maximum of $250 or $750 per calendar year

• $10/$50/$75 (Generic/Preferred Brand/Non-Preferred Brand)

• Plan pays up to $250 in benefits per calendar year

• No deductible or coinsurance

• $10/$50/$75 (Generic/Preferred Brand/Non-Preferred Brand)

• Plan pays up to $750 in benefits per calendar year

• No deductible or coinsurance

Outpatient Medical ServicesIncludes outpatient hospital, surgical center or urgent care facility and diagnostic imaging and laboratory services, chemotherapy, and radiation performed during an office visit or as outpatient.

• $200 deductible• 80%/20% coinsurance up to

$500 in benefits per calendar year

• $200 deductible• 80%/20% coinsurance up to

$1,000 in benefits per calendar year

Surgical Services • Inpatient and Outpatient• Up to scheduled benefit

amount• Up to $100,000 in benefits

per calendar year (based on schedule)

• No deductible or coinsurance

• Inpatient and Outpatient• Up to scheduled benefit

amount• Up to $200,000 in benefits

per calendar year (based on schedule)

• No deductible or coinsurance

Assistant Surgeon • Up to 20% of amount paid for surgery

Anesthesiologist • Up to 20% of amount paid for surgery

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Health Access Plans B and CHealth Access Plans B and C

PLAN B PLAN C

Ambulance (Ground/Air)• Up to $100 ground/$1,000 air — per trip, up to two trips per calendar

year

Emergency Room • Up to $250 in benefits for each of two visits per calendar year

• $100 emergency room fee • Fee waived if admitted• No deductible or coinsurance

Inpatient Benefit Facility Charges

• Up to $750 in benefits per day for sickness

• Up to $1,000 in benefits per day for injury

• 80%/20% coinsurance up to $100,000 in benefits per calendar year

• No deductible

• Up to $2,000 in benefits per day for sickness

• Up to $4,000 in benefits per day for injury

• 80%/20% coinsurance up to $200,000 in benefits per calendar year

• No deductible

Other Non-surgical/Non-facility Inpatient Services

• Considered under the inpatient per day maximum• Coinsurance applies• No deductible

Life Insurance • Up to $10,000 benefit included for primary

Lifetime Maximum • $ 1 Million

• Up to $750 in benefits for each of two visits per calendar year

• $100 emergency room fee• Fee waived if admitted• No deductible or coinsurance

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Discount OpportunitiesDiscount Opportunities

• MultiPlan network discounts • LabCard Select (LabOne) outpatient

laboratory services

• Medco participating pharmacies

• Patient Care Health Advocates

• Retail Health Clinics

• Health Payment Advocates

• Other diagnostic ancillary services

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RatesRates• Simplified rating

—Not gender or area rated

—Not rated for risk class

—No smoker status

—Has very broad age bands; based on primary

—Examples—Plan A: 28-year-old woman w/ one child — Monthly

rate = $74—Plan B: 40-year-old husband and wife — Monthly

rate = $194—Plan C: 30-year-old single man — Monthly rate =

$104

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Effective Date RulesEffective Date Rules

• Options are 1st or 15th of the month

• How to know which to choose:—Enrollment Form signed date 1st-15th = 1st of next

month

—Enrollment Form signed date 16th–31st = 15th of the next month

—Example: Enrollment Form signed on 7/29 = first effective date available of 8/15

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Easier than ever to sell!Easier than ever to sell!

•Effective May 18 — Submit Health Access business online –www.assuranthealthsales.com

• Repositioned marketing materials – Easier to reach broader market of

individual consumers

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New Health Access MaterialsNew Health Access Materials

• Reflect broader audience• Identify everyday value for consumer• Help consumer maximize value of

limited-benefit plans– Consumer brochure– Agent engagement pieces– Health Insurance Reference Guide

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Consumer BrochureConsumer Brochure

• Addresses need for affordable solution• Highlights first-dollar benefits• Details ease of qualifying for plans

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Agent Engagement PiecesAgent Engagement Pieces

• Portfolio overview brochure and highlight pamphlet

• Position Health Access as solution to client needs, especially in this economy

• Highlight what interests agents– Pricing– Eligibility questions– Valued benefits

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Health Insurance Reference GuideHealth Insurance Reference Guide

• Reaffirms purchasing decision• Provides realistic and achievable ways to

stretch value of limited-benefit plans• Promotes consumer education and smart

choices• Provides post-sale education and

additional ways to maximize the benefits of the plan – Limited benefit doesn’t mean limited value!

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Materials List Highlights Other Materials List Highlights Other OptionsOptions• Materials available for each target

customer segment:– Individual consumers– Worksite

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Agent Library PresentationAgent Library Presentation

• Check out the Health Access point-of-sale presentations in the Agent Library

• Email a presentation link to your clients

• New and revised Health Access presentations will be available May 15.

Health Access – Individuals & FamiliesHealth Access – Individuals & Families

Health Access – EmployersHealth Access – Employers

Health Access – EmployeesHealth Access – Employees

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Health Access Sales Campaign – Health Access Sales Campaign – Writing Agents Writing Agents (May 16-August 16, (May 16-August 16, 2009)2009)

• Sell one AAHA policy get an Assurant mug

• Sell five AAHA policies get an Assurant 24-can cooler

• Prizes distributed weekly

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Health Access Sales Campaign – Health Access Sales Campaign – General Agents General Agents (May 16-August 16, (May 16-August 16, 2009)2009)• 1 st  Tier Trip - Sell at least 25 policies

– Two-night stay at select properties in the continental U.S.– Breakfast daily for two– $100 worth of Marriott or Fairmont dollars

• 2nd Tier Trip - Sell at least 50 policies– 3 night / 4 day trip– 2 coach class airline tickets to Miami, Arizona, Napa Valley

or New York– 3 nights at select Marriott, Renaissance or Fairmont

properties– $300 Marriott/Fairmont dollars

– Breakfast daily for two

• Maximum number of five trips per General Agent

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New Sales Opportunities

• IL: Rates reduced with the Health Link Plans in the northern suburbs of Chicago (zip codes 600-605), offsetting trend

• CO: Rates in many zip codes lowered to better align with Denver

• GA: Rates in Coventry network in Macon will decrease 5%; and have decreased in Atlanta to offset trend

• MI: New Physicians Care network is the lowest priced network in Grand Rapids

• NC: Rates lower on all IM plans in Charlotte– 11% on RightStart Elite, CoreMed Elite, MaxPlan

Elite– 9% for One Deductible Elite and SaveRight Elite

(continued)

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New Sales Opportunities (continued)• OK:

– Rates 5% lower on all IM plans in Tulsa – Rates 9% lower on CoreMed Elite, Max Plan Elite

and RightStart Elite in Oklahoma City

• TN:– In Chattanooga, rates on all IM plans reduced 5%– Overall, with the Great-West network

introduction, rates in Chattanooga will be down 15 - 20%

• TX: Rates on CoreMed Elite, MaxPlan Elite and Right Start Elite will be reduced in these markets:– Austin - Reduced 4%– Corpus Christi – Reduced 18%– San Antonio - Reduced 5%

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HSA Tools Helps Clients Manage Funds• Comprehensive HSA administration service –

no monthly fee• Services include:

– Efficient fund transactions and account tracking services

– Easy online claims payment including directly to providers

– Options such as a line of credit and mutual fund investments

– Online access to helpful medical and prescription drug information

– Easy access to HSA funds including a handy debit card

• For new and existing Assurant Health customers who choose HSA Tools to administer their HSAs

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Rate GuaranteesFirst time in Kansas!

• 24-month rate guarantee now available

• Stable rates help your clients plan ahead

• Optional with these plans– CoreMed Elite —$2,000 deductible and up– MaxPlan Elite —$2,500 deductible and up– OneDeductible Elite —$2,100 deductible and

up– SaveRight Elite—all deductibles– RightStart Elite—$2,500 deductible and up

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CoreMed Drug Options• Prescriptions paid as any other covered

charge– No separate copay, deductible or coinsurance– 100% coverage after deductible and coinsurance

satisfied– Here’s where you’ll see the larger discounts over the

copay option– Higher deductibles and/or lower coinsurances– Females vs. Males– Age 50+– Standard vs. Preferred

• Prescription copay option– For clients seeking defined cost and who want copays– Generic = $15 copay only; brand = $25 copay plus 50%

coinsurance after $500 deductible is met

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Patient Care Supports Retention • Launched in July 2008

• Keeps customers longer – positive impact on retention

• Takes you out of the middle• Available with all types of plans

– High deductibles—manage out-of-pocket costs

– Health Access—maximize limited-benefit plans

• See Agent Library and Find a Form for details

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TelaDoc Helps Control Clients’ Costs• TelaDoc is another option for managing

clients’ out-of-pocket costs– Access to non-emergency healthcare by phone –

24/7– Consultations by U.S. based, state-licensed, board-

certified physicians– Services for registered plan members, age 10 and

older• Teladoc is included as a first dollar benefit on

all Coremed Elite and Maxplan Elite Non-Copay plans -3 free consultations per person each year– Additional consultations are only $35 each and are

subject to deductible and coinsurance• OneDeductible Elite plans and all Short Term

Medical plans (including HealthSaver®) include Teladoc membership and policyholders have access to phone consultations for $35 each, subject to deductible and coinsurance

Health Access Electronic Solution

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Health Access Quoting

• Health Access quoting will be available via Create A Quote

• Only major change to quoting for Health Access is on Quote Confirmation page: – Begin Submission button allows

for electronic submission of Health Access

– “Click here” hyperlink is available for Quote Linking of Health Access

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Sales Home PageNow, there are two ways to quote Health Access plans

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Create A Quote pathPlan Information page

Health Access plans will now appear on this page.

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Quote Confirmation Page

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Quote Confirmation Page

Begins Electronic Submission

Begins Quote Linking process

NEW FUNCTIONALITY for Health Access applications:

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SubmissionSame, easy process as Individual Medical • Personal Information• Submit Options

– I am with client– Online Verification

• Health Questions (only for Plans B/C)– 2 or 3 instead of 17

• Payment• Authorizations/Submit to Underwriting• Confirmation

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Health Questions

Health Access Questions all on the same page.

Each question must be answered for each applicant in order to continue.

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Underwriting Authorization

Underwriting Authorization for Health Access plans will match the enrollment forms.

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Questions?

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Thank You!

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You’re helping change the landscape of

the uninsured market!

Thank you!