Transcript Slide 1
www.getmed360.com Agent Training Only 1 Agenda Overview Administrative Partners Carrier Partners Limited Medical Plan Benefits Association Benefits Policy Information Agent Training Only 2 Why Sell GetMED 360? Top rated Insurance Companies Dr. office visit co-pays ER benefit for both injury and sickness – pays up to $1,000 $5,000 per accident - excess accident medical expense $10,000 Critical Illness Weekly $$$ Benefits vary by state. Agent Training Only 3 Product Overview GUARANTEED ISSUE – NO UNDERWRITING REVIEW Great for consumers that may not qualify for full comprehensive Major Medical A reasonable alternative (not replacement) for consumers who cannot afford more costly Major Medical programs The plans provide coverage for the common everyday expenses such as doctor office visits, hospital, ICU and surgical expenses Agent Training Only 4 Sponsored by UCAA United Consumer Awareness Association (www.unitedconsumer.org) A National Association Offers a benefit package of consumer discount products including: Doctor/Hospital network Call MD Tiered Dental and Vision 3-Tier Rx Chiropractic 24-hour nurses hotline And much more! More information about UCAA is available on the GetMed360 site Agent Training Only 5 Administrative Partner: Patriot Health, Inc. Patriot Health is a member of the Cost Containment Group (CCG) of companies, headquartered on Long Island, New York. Established in 1993, CCG services millions of families nationwide through various health care related programs and networks. Patriot Health is a Managing General Underwriter (MGU) and Administrator for Limited Medical Plans. They offer a single source for product development, networks, administration and customer care. They combine multiple insurance carriers and networks to deliver the most complete and highest value membership plans for the consumer. Agent Training Only 6 GetMED 360 Benefit Components In order to provide its members with the maximum benefit options available in their particular state, UCAA has contracted with the following carrier partners: UCAA Association Guarantee Trust United States Fire Limited Medical Guaranteed Issue Hartford Life Term Life Guaranteed Issue Accident Medical Expense Benefit (AME) Accidental Death & Dismemberment (AD&D) Agent Training Only Presidential AIG Emergency Room (ER) Benefit Critical Illness (CI) Benefit 7 Insurance Carrier: Limited Medical Benefit Plans United States Fire Insurance Company Fairmont Specialty is a registered trademark of United States Fire Insurance Company Niche products (accident and health) A member of Crum and Forster group of companies Rated “A” Excellent by AM Best (as of 2009) Agent Training Only 8 Medical Benefit Provisions There are no coordination of benefits with other plans There is a 30 day wait on sickness benefits Pre-X definition: A medical condition, injury or sickness, for which medical advice, consultations, symptoms, care or treatment was recommended by a doctor within 12 months prior to the effective date of coverage – will be considered a pre-existing condition unless the loss incurred at least 12 months after the effective date of coverage. There is a 12/12 pre-x on Hospital Confinement Charges, Surgery and Anesthesia There is a 6/12 pre-x on the Emergency Room Benefit There is a 12/12 pre-x on the Critical Illness Benefit payable only after all valid and collectible insurance for the same claim has been exhausted Agent Training Only 9 Eligibility All Members and Spouses who are 18 to 65 years old. At age 65 the plan ends. Unmarried Children Under age 19 Includes stepchild, foster, legally adopted, pending adoption proceedings and natural child Up to age 24 if enrolled as fulltime student at accredited college or university Newborn (born during coverage period) for 31 days Citizens or legal residents of the United States Must be a legal resident for 12 months Agent Training Only 10 Provider Access (Beech Street) GetMed360 utilizes Beech Street – a National PPO network of providers (www.beechstreet.com - choose the limited benefit plan link) 564,181 respected doctors 5,083 acute care hospitals 87,500 ancillary network providers Practitioners in all 50 states! Provider lookup 24/7 on GetMed360 site Utilizing Beech Street Network Providers Maximizes client savings Reduces out-of-pocket expenses Agent Training Only 11 Provider Locator Screen Agent Training Only 12 Plans Offered (varies by state) Platinum MAX Platinum Gold MAX Gold Silver $250 and $1000 $250 and $1000 $250 and $1000 $250 and $1000 $250 and $1000 Limited Med Life Accident AD&D ER Critical Illness Limited Med Life Accident AD&D ER Limited Med Life Accident AD&D Critical Illness Limited Med Life Accident AD&D Limited Med Life State variations and plan offerings will be displayed on the GetMed360 web site in an easy to use format! Agent Training Only 13 Plan Availability Screen Agent Training Only 14 State and Product Availability Agent Training Only 15 PLATINUM SERIES Benefit (PER INSURED) Based on policy annual period, not calendar year $250 $1000 Max $250 Max $1000 Hospital Confinement 31 days per year $250 per day $1000 per day $250 per day $1000 per day ICU/CCU 15 days per year $1000 per day $2000 per day $1000 per day $2000 per day Surgery Benefit $10,000 – 2 surgeries per insured per year Inpatient / Outpatient Anesthesia 25% of surgery 25% Doctor Office Visit 5 visits per insured per yr 10 visits per family per yr In Network: Out of Network: $20 co-pay $40 benefit Ambulance (Ground or Air) 1 trip per year Wellness 2 visits per insured per yr In Network: Out of Network: Diagnostic Lab/X-Ray (DXL) N/A $100 N/A $100 3 sittings Term Life Insurance N/A $100 3 sittings $1000 2 per insured/family Excess Benefit $5,000 - $100 deductible Accidental Death & Dsmemberment (AD&D) Critical Illness (CI) $100 $20 co-pay $40 benefit Emergency Room (ER) Accident Medical (AME) N/A $15,000 Per covered insured 50% covered spouse 20% covered children Agent Training Only N/A N/A $10,000 $10,000 $10,000 16 GOLD SERIES Benefit (PER INSURED) Based on policy annual period, not calendar year $250 $1000 Max $250 Max $1000 Hospital Confinement 31 days per year $250 per day $1000 per day $250 per day $1000 per day ICU/CCU 15 days per year $1000 per day $2000 per day $1000 per day $2000 per day Surgery Benefit Anesthesia Doctor Office Visit 5 visits per insured per yr 10 visits per family per yr Ambulance (Ground or Air) Wellness 2 visits per insured per yr $10,000 – 2 surgeries per insured per year Inpatient / Outpatient 25% of surgery 25% In Network: $20 co-pay Out of Network: $40 benefit 1 trip per year N/A $100 In Network: $20 co-pay Out of Network: $40 benefit Diagnostic Lab/X-Ray (DXL) N/A $100 3 sittings Emergency Room (ER) Accident Medical (AME) Term Life Insurance N/A $100 $100 3 sittings N/A Excess Benefit $5,000 - $100 deductible Accidental Death & Dismemberment (AD&D) Critical Illness (CI) N/A $15,000 Per covered insured N/A 50% covered spouse 20% covered children Agent Training Only N/A $10,000 $10,000 $10,000 17 SILVER SERIES Benefit (PER INSURED) Based on policy annual period, not calendar year $250 $1000 Hospital Confinement 31 days per year $250 per day $1000 per day ICU/CCU 15 days per year $1000 per day $2000 per day Surgery Benefit Anesthesia Doctor Office Visit 5 visits per insured per yr 10 visits per family per yr Ambulance (Ground or Air) Wellness 2 visits per insured per yr Inpatient / Outpatient 25% of surgery $20 co-pay Out of Network: $40 benefit 1 trip per year $100 $20 co-pay $40 benefit N/A $100 3 sittings N/A Excess Benefit Accidental Death & Dismemberment (AD&D) Term Life Insurance N/A In Network: Out of Network: Emergency Room (ER) Critical Illness (CI) 25% In Network: Diagnostic Lab/X-Ray (DXL) Accident Medical (AME) $10,000 – 2 surgeries per insured per year N/A N/A Per covered insured 50% covered spouse 20% covered children Agent Training Only N/A $10,000 18 Rates: Do not include a one time $99 enrollment fee Plan Individual w/Spouse or Child Family Platinum 250, Gold 250 or Silver 250 $199.90 $379.90 $499.90 Platinum Max 250 or Gold Max 250 $229.90 $439.90 $559.90 Platinum 1000 or Gold 1000 $299.90 $529.90 $729.90 Platinum Max 1000 Gold Max 1000 $329.90 $589.90 $789.90 Agent Training Only 19 Doctor Visits (Fairmont Specialty) Sickness or Accident -5 visits per individual per policy year or 10 per family. Doctor Office Visit co-pay is $20 – the member must utilize a Beech Street provider. If all visits are used (5/10) the in-network provider discount will still apply. Out-of-network Doctor Office Visit Indemnity Reimbursement – maximum of $40 per visit. Agent Training Only 20 Wellness Visit (Fairmont Specialty) In-network Doctor Office Wellness Visit - for routine health examinations or immunizations of Covered Persons. Co-pay is $20 per visit – 2 visits per person per year. The benefit does not cover any wellness testing, such as mammograms, PAP or PSA Testing. Claims for wellness tests will be “re-priced” through Beech Street if a network provider is used. Out-of-network Doctor Office Visit Indemnity Reimbursement – maximum of $40 per visit. Agent Training Only 21 Diagnostic, X-Ray & Lab (Fairmont) Coverage is provided when x-rays, laboratory and other diagnostic tests are ordered or performed by a Doctor. Includes the services of a radiologist or radiology group and the services of a pathologist or pathology group for interpretation of diagnostic tests or studies that are Medically Necessary due to an Injury or Sickness There are a maximum of 3 sittings or draws per Covered Person per Policy Year. If the member stays in-network they can get their bill(s) re-priced before the benefit is applied. If all sittings are used the in-network provider discount will still apply The payment amount is up to $100 per sitting/draw. Only available on the 1000 plan series. Agent Training Only 22 Hospital Confinement (Fairmont) Sickness is payable after a 30 day waiting period. Injury is payable as of the effective. Benefits are payable from 1-31 days, up to $250 or $1,000 per day while confined in a hospital semi-private room, as a result of a covered injury or sickness. Using a Beech Street facility will help lower out-of-pocket costs. Agent Training Only 23 Hospital Confinement – ICU/CCU (Fairmont) Benefits are payable for up to 15 days while confined in a hospital ICU/CCU, as a result of a covered injury or sickness. The benefit is up to $1,000 or $2,000 per day depending on plan chosen. 30 day waiting period for sickness Paid in lieu of hospital confinement benefit Using a Beech Street facility will help lower out of pocket costs. Agent Training Only 24 Ambulance (Fairmont) Up to benefit amount of $100 Per Trip Medical Emergency only 1 Trip per person per year Ground or Air This benefit is available in the 1000 plan series only Agent Training Only 25 Surgery In/Out Patient (Fairmont) Benefits are payable up to $10,000 per surgery. Based off of CPT codes on a surgery schedule. 2 surgeries per covered person per policy year. Sickness benefits are payable after a 30 day waiting period. Benefit Includes but is not limited to charges for: Surgeon fees Use of the operating and recovery room Administration of drugs and medicines during surgery Dressings, casts, splints Diagnostic services including radiology, laboratory, or pathology performed during time of surgery. Agent Training Only 26 Surgery: GetMED 360 vs. RBRVS Surgical Benefit $10,000 Fairmont surgical schedule vs. RBRVS schedule RBRVS – will pay just the cost of the surgical procedure (surgeon charges only) based upon the RBRVS code in the covered persons county GedMed360 – Surgical benefit is provided for use of the operating room and recovery room, including the doctors charge for performing surgery. Benefit also provided for medical services and supplies used in the performance of the surgery. Includes, but not limited to: Administration of drugs and medicines during surgery Dressings, casts, splints Diagnostic services including radiology, laboratory, or pathology performed during time of surgery Agent Training Only 27 Sample Comparisons (Hillsborough County, Tampa, FL) Surgery CPT Code RBRVS GetMed360 Gall Bladder 47600 $817 $5,000 Arm Amputation 24920 $685 $2,500 Breast Reconstruction 19350 $896 $5,000 Repair: Heart Defects 33697 $2,086 $8,500 Aortic Valve Repair 33403 $2,163 $8,500 Fractured Finger 26720 $173 $1,000 Arterial Blockage 35472 $2,574 $10,000 Hysterectomy 58150 $930 $5,000 Triple By-Pass 33535 $2,191 $8,500 Appendectomy 44950 $595 $2,500 Agent Training Only 28 Anesthesia In/Out Patient (Fairmont) This benefit is payable at 25% of the surgery benefit Using an in-network provider will lower out-of-pocket costs Agent Training Only 29 Emergency Room (Presidential) Availability Varies by State Injury or Sickness 2 visits per year (individual/family) Benefit is payable up to $1,000 Subject to a $100 deductible per visit There is a 6/12 Pre-ex There is a 30 day waiting period for sickness Agent Training Only 30 AD&D (GTL) Availability Varies by State If you are injured in a covered accident and the injury from such an accident causes death or dismemberment within 365 days from the date of the accident, the insurance company will pay the amount shown. If you sustain more than one such loss as the result of one Accident, the insurance company will pay only one amount, the largest, to which you are entitled. The benefit is $15,000 in states where available. Agent Training Only 31 Excess Accident Medical Expense (GTL) Availability Varies by State If you are injured in a covered accident and receive treatment from a physician within 365 days from the date of the accident, the insurance company will pay the amount shown for actual expenses, up to the maximum per accident. This is an excess benefit so all other benefits must be used first. Subject to a $100 deductible per accident. Benefit amount is $5,000 per accident for all plans. Agent Training Only 32 Guaranteed Issue Term Life (Hartford Life) Requires NO medical Exam or Tests! The benefit amount shown is paid to the beneficiary or beneficiaries in the event of your death. Benefit payment is subject to the definitions, limitations, exclusions and other provisions within the Certificate. Covered spouse benefit is 50% of benefit amount shown and dependent benefit is 20% of benefit amount shown. Covered dependent child(ren) must be at least 15 days or older to be eligible for coverage. Benefit amount is $10,000 in states where available. Agent Training Only 33 Critical Illness (AIG) Please see State Product Availability Chart The $10,000 Critical Illness Indemnity Benefit is payable for Insured and covered Spouse Will be paid in addition to any other benefit in the Certificate Subject to a 12/12 Pre-Existing Condition Limitations A benefit is payable for any one of the following: Invasive Cancer Heart Attack Stroke Major Organ Transplant Surgery Coma End Stage Renal Failure Agent Training Only 34 Plan Highlights: Association Benefits Doctor/Hospital Network (Beech Street) 3-Tiered Rx Discount Tiered Dental Tiered Vision Call MD Chiropractic Counseling Agent Training Only 24-Hour Nurses Hotline Elder Care Hearing Diabetic Supplies Fitness Holistic Care Much more consumer lifestyle savings benefits! 35 Beech Street Top 100 Procedures Sample Savings CPT CPT Description Contracted Rate Average Billed Nationally % Saved 11100 17000 17003 20610 36415 36416 71020 73630 76830 80048 80050 80061 81000 81001 81002 81003 82270 83036 84153 84443 85018 85025 86003 87086 87880 88142 88305 90466 90472 90669 90700 BIOPSY OF SKIN LESION DESTROY BENIGN/PREMAL LESION DESTROY 2-14 LESIONS DRAIN/INJECT JOINT/BURSA DRAWING BLOOD COLLECTION CAPILLARY BLD SPEC CHEST X-RAY X-RAY EXAM OF FOOT ECHO EXAM, TRANSVAGINAL METABOLIC PANEL, BASIC GENERAL HEALTH PANEL LIPID PANEL URINALYSIS, NONAUTO, W/SCOPE URINALYSIS, AUTO, W/SCOPE URINALYSIS NONAUTO W/O SCOPE URINALYSIS, AUTO, W/O SCOPE TEST FECES FOR BLOOD GLYCATED HEMOGLOBIN TEST PSA TOTAL ASSAY THYROID STIM HORMONE HEMOGLOBIN AUTOMATED HEMOGRAM ALLERGEN SPECIFIC IGE URINE CULTURE, COLONY COUNT STREP A ASSAY W/OPTIC CYTOPATH C/VAG T/LAYER TISSUE EXAM BY PATHOLOGIST IMM ADMIN <8 YR PERQ SUBQ/IM IMMUNIZATION ADMIN, 2+ PNEUMOCOCCAL VACC, PED<5 VACCINE, IM $71.71 $52.92 $18.09 $73.18 $5.11 $4.74 $44.22 $36.72 $119.11 $14.37 $44.57 $23.39 $5.74 $5.74 $4.41 $3.97 $4.41 $17.21 $32.21 $29.56 $3.97 $13.68 $9.27 $14.12 $21.18 $13.68 $84.49 $15.04 $13.23 $89.24 $17.91 $125.57 $94.11 $23.72 $145.61 $26.38 $13.87 $85.34 $76.13 $249.99 $38.20 $111.37 $55.41 $17.03 $21.94 $13.35 $15.67 $15.45 $44.22 $74.13 $63.69 $14.46 $37.70 $19.53 $47.62 $31.51 $64.51 $154.16 $21.00 $16.84 $104.37 $44.45 42.9% 43.8% 23.7% 49.7% 80.6% 65.8% 48.2% 51.8% 52.4% 62.4% 60.0% 57.8% 66.3% 73.8% 67.0% 74.7% 71.5% 61.1% 56.5% 53.6% 72.5% 63.7% 52.5% 70.3% 32.8% 78.8% 45.2% 28.4% 21.4% 14.5% 59.7% Agent Training Only 36 3-Tiered Prescription Drug “Discount” • This plan is accepted at over 50,000 participating pharmacies nationwide. • Simply visit a participating pharmacy, present your membership card and pay the pharmacy directly. • To access list of pharmacies go to www.getmed360.com • Tiers are based on 1 pill per day for 30 days. • Tier 1: Drugs at up to a $10.00 maximum cost ** • Tier 2: Drugs at up to a $20.00 maximum cost ** • Tier 3: All other drugs are available for your benefit at negotiated rates. • ** Please note that some participating pharmacies may charge beyond a particular tier. • *Only a licensed physician can recommend or prescribe specific drugs to treat your specific condition Agent Training Only 37 Top 10 Drug Savings Member’s Saving Percentage Saved Pharmacy $30.78 $324.83 91% DRUG SOURCE INC $144.43 $22.60 $121.83 84% DRUG SOURCE INC 45 $62.09 $5.63 $56.46 91% SUPER 1 PHARMACY Mental Health 240 $324.10 $41.97 $282.13 87% TARGET HYDROCODONE-APAP 10-650 TABLET Analgesics 120 $155.77 $21.24 $134.53 86% CITY MARKET PHARMACY LISINOPRIL 40 MG TABLET Cardiovascular 60 $98.43 $9.49 $88.94 90% BROWNS PARKSIDE LLC METFORMIN HCL 500 MG TABLET Diabetic $47.26 $4.00 $43.26 92% TARGET SERTRALINE HCL 50 MG TABLET Mental Health 30 $117.36 $13.33 $104.03 89% CITY MARKET PHARMACY SIMVASTATIN 40 MG TABLET Antihypertensive 30 $151.2 $6.60 $144.6 96% COSTCO 93% LAWRENCE BROTHERS PHARMACY Drug Drug Category ALPRAZOLAM 2 MG TABLET Mental Health 180 $355.61 AMLODIPINE BESYLATE 10 MG TAB Cardiovascular 60 ATENOLOL 100 MG TABLET Cardiovascular GABAPENTIN 300 MG CAPSULE ZOLPIDEM TARTRATE 10 MG TABLET Mental Health Quantity Retail Price Discount Price 30 $148.59 Agent Training Only $11.09 $137.5 38 Quality Vision Network (QVN) Tier 1 At select participating vision outlets, a no-charge eyeglass vision exam is available once annually for every family member Prescription must be filled by the provider performing the nocharge exam if glasses are required Tier 2 You will also receive discounted rates of 10%-50% on eyeglasses, nonprescription sunglasses and contact lenses (excluding disposables) at participating optical locations nationwide. Ophthalmology & LASIK Save 20%-60% on medical eye exams and surgical procedures including LASIK at participating ophthalmology locations. Agent Training Only 39 Call MD All members will receive 2 toll-free physician telephone consultations available 24/7 You have access to a nationwide network of medical doctors and registered nurses that are available to discuss your medical issues. You can access over-the-phone prescriptions (where permitted by law) Agent Training Only 40 Dental Directory Services Multi-tiered dental fee-for-service program Tier 1 At select participating schedule (A) Tier 1 general practitioners you will receive: a no-charge exam and x-rays in conjunction with a paid annual cleaning Participating providers abide by a fee schedule of fixed payments for most procedures savings are 20% to 60% Tier 2 A schedule (A) Tier 1 provider is not available in a given area, a secondary provider is given to member that still provides 20%-60% discounts but does not provide a free exam Tier 3 In the event a Tier 1 or Tier 2 provider is not available in your area, member will call customer service for assistance in accessing a Tier 3 provider which will provide them a discount Agent Training Only 41 Tiered Chiropractic Program Save on testing procedures, support and orthotics supplement, massage and other bodywork. Tier 1: save 20%-50% at participating providers on adjustments, therapy, x- rays, exams and specialized procedures using a fee schedule of fixed payments for most procedures. First visit is $35 with adjustments thereafter at $20. Tier 2: Save 5%-20% at participating providers Agent Training Only 42 24 Hour Counseling Hotline • You and your immediate family members have unlimited access to a Master’s Level Therapist. • Toll-free number available 24/7 • Free support and self-help group referrals and referrals to local licensed therapist • All counselors have been specially trained to offer prompt, confidential counseling. Agent Training Only 43 24 Hour Nurse Hotline • Unlimited, Toll-Free, 24/7 Access to Registered Nurses. • Confidential service is available to help you become more knowledgeable about healthcare services and more comfortable working in partnership with your healthcare providers • You will receive information regarding, the treatment of common illnesses, what to expect during medical testing, diagnostic and surgical procedures, recently diagnosed medical condition, prescriptions, and over-the-counter medical information. Agent Training Only 44 Holistic Care • The Holistic Care Service provides a concierge approach to finding a Holistic Care provider that will meet your specific needs. • A Customer Care Consultant will take your request for an Acupuncturist, Massage Therapist, Dieticians and Naturopathic providers and call you back with the nearest location. • Up to 20% savings on, all treatments and services. There is no limits on number of visits. Agent Training Only 45 Hearing Care • Beltone Features • Free hearing screening and 15% discount on Beltone hearing aides at more than 1,300 Beltone locations. • Lifetime care program includes complimentary hearing aid checkup, free cleaning and inspection while under warranty and a 30 day refund policy. • HearPO Features • 20%-50% off audiology and hearing aid services at more than 1,400 participating HearPO providers. • Comprehensive follow up for one year at no charge. 100% discount on repairs and a 60 day refund policy • Your hearing aid comes with a 12 month standard manufacturer’s warranty. Modifications will be made without cost during warranty should a change within hearing levels require different circuitry. Agent Training Only 46 Elder Care • Save on home health and long term care services, available for any member for your family including grandparents! • Save 10%-25% on home health aides, nursing homes, assisted living facilities, Alzheimer’s special care units and respite care facilities. (savings are available for new patients only) • Toll free 24/7 advice hotline Agent Training Only 47 Diabetic Supplies • Save 10%-60% on Diabetic supplies • This program provides special member pricing on most diabetic supplies such as • Test strips, glucose meters, lancing devices and lancets and convenient free home delivery! Agent Training Only 48 Fitness Enjoy 10%-50% off membership dues at over 1,000 locations nationwide! Month to month memberships at top area fitness centers . ($10 administrative fee may apply upon cancellation) This program includes many franchises of Gold’s Gym, Bally’s Fitness, Curves for Women and other chains as well as independent fitness clubs. Agent Training Only 49 Association Consumer Discount Consumer discount programs vary by plan but include: Medical records software Hotel savings Rental car savings Mortgage and Realtor discounts Financial planning Tax hotline Roadside assistance And many more Agent Training Only 50 Effective Dates and Billing Dates If a member enrolls between the 1st and the 15th they will be effective on the 1st of the following month. Initial charge occurs on the day of enrollment and recurring charges occur on the 15th of every month there after. If a member enrolls between the 15th and the last day of the month they will be effective the 15th of the following month. Initial charge occurs on the day they enroll and recurring charges occur on the 1st of every month there after. Future effective date options are available up to 60 days. Payments can be made using Credit Card or by drafting a checking/savings account – NO individual paper bills Group list bill available for 10 or more employees Agent Training Only 51 Enrollment – Customer Info. Screen Agent Training Only 52 Enrollment – Membership Type Agent Training Only 53 Enrollment – Plan Selection Agent Training Only 54 Enrollment – Billing Screen Agent Training Only 55 Enrollment – Confirmation Screen Agent Training Only 56 Enrollment – By Insurance Agent Agent Training Only 57 Fulfillment Materials The insured will receive an email fulfillment with ID card, certificate, schedule and benefit booklet instantly after enrollment submission. Fulfillment materials will be mailed direct to the insured within 24 hours after premium processing is verified. Agent Training Only 58 Rules For Limited Medical Plan Sales DO NOT Represent Limited Medical Plans as: “Same as your employer plan” Just like “Major Medical” “Full Benefits” A “PPO” Agent Training Only 59 Rules For Limited Medical Plan Sales Clearly explain the limited nature of the plan: This limited medical benefits plan: Does Not Provide comprehensive medical coverage Is a basic or limited benefits policy and is not intended to cover all medical expenses. Is not designed to cover the costs of serious or chronic illness. Contains specific dollar limits that will be paid for medical services which may not be exceeded. (if the cost of services exceeds those limits, the beneficiary and not the insurer is responsible for payment of the excess amounts) Agent Training Only 60 Rules For Limited Medical Plan Sales Explain the key elements of: Guarantee Issue Pre-existing condition limitation 30 day wait on sickness Go through the plan of benefits in detail with the consumer, including their membership in the Association Explain how the Beech Street Network discount works Explain that the Rx card is a “discount” program Explain the claims submission process, billing, and customer service Explain the 30 day free look provision and how refunds work All agents soliciting sales and enrolling consumers must hold a valid health insurance license in the state in which the consumer resides! Agent Training Only 61 Administrative Partner: Patriot Health, Inc. Customer Care Members are encouraged to speak directly with a Patriot Representative. Dedicated consultants assist members with benefits, provider locater, and coordination services. Members can contact Patriot’s toll free phone number Monday through Friday, 9:00 AM until 7:00 PM (EST). 877-693-9095 Agent Training Only 62 Commissions Commissions are level on GetMED 360 Checks are sent every Tuesday for all business with approved payments through Monday. (new sales and renewals) Statements are sent via email. Agent Training Only 63 Cancellation & Refund Policy A member may cancel at any time. Cancellation will be required in writing If an insured calls Patriot to cancel, they will be sent a form to sign. Once the form is received, agent will be notified and copied. If agent can conserve the case, and the consumer verifies in writing they wish to keep the policy, Patriot will reinstate the policy back to the original effective date, and premiums will be collected accordingly. If a member cancels within the first 30 days, the membership cost will be refunded. The one time enrollment fee is non-refundable, except where specified by state law. Those states are; AK,MD,NE,FL,SC, SD ,VT If a member cancels within 3 days from the enrollment date, the member will be refunded the first month’s membership costs plus the one time enrollment fee. Agent Training Only 64 Policy Changes The insured or the agent can call or email Patriot to make changes for: Dependent status Plan changes Payment changes Address changes Agent Training Only 65 Claim Processing Claims are processed by Administrative Concepts, Inc. (ACI) located in Wayne, PA (Toll Free 888-293-9229) ACI is an industry leader in providing superior services for specialty insurance products and a valuable resource to insurance companies and brokers Re-pricing for PPO discounts Claim payment Explanation of Benefits sent Providers Patients www.visit-aci.com Agent Training Only 66 Web Site Features www.getmed360.com Plan and Benefit Availability by State with Rates Brochure and Sample Certificates Training Power Point FAQ’s Association Provider and Beech Street Links Enroll On Line for your Customer Agent Back Office Track and manage business 24/7 access to client’s policy information Agent Training Only 67 Agent Back Office Agent Training Only 68 FAQ’s Agent Training Only 69 Thank You and Welcome to GetMED 360 Agent Training Only 70