1. “Best in Class” Products and Services
for Brokers and their Clients

2. Hollern & Associates is a general agency with over 30
years of recognized experience in voluntary benefits.
Representing the best worksite carriers on the market
today for voluntary products and offering cutting-edge
technology and services for benefits
management, administration and enrollment.
Solutions to help…
• with high deductible health plans
• manage and reduce benefit costs
• bridge gaps in coverage, round-out employer benefits program
• communicate, educate and enroll all benefit plans
• reduce and streamline benefit administrators workload
Our Agency is a ONE STOP SHOP helping brokers
and their clients find sound solutions addressing
bottom-line benefit decisions.

3. Our Agency works with the top worksite carriers
for voluntary benefits in the industry offering
„best in class‟ products and underwriting while
addressing the high cost of healthcare.
Benefit Solutions

4. Products designed to…
• Manage and address increasing cost of health care
• Bridge gaps in current coverage
• Complement, enhance and round-out employer benefits program
• Provide employees and their family with financial protection
Products offered with…
• Guaranteed Issue
• Competitive pricing
• Take-over credit towards pre-existing conditions
Wide Product Portfolio:
o Short Term Disability
o Long Term Disability
o Accident
o Cancer
o Critical Illness
o Hospital Confinement
o Gap Plans
o Life Insurance
o Long Term Care
o Dental & Vision
Specialty Product Programs:
o Solutions Plus+ Gap Packages
o Premium Saver “Insured HRA”
o Uniform Coverage Risk Insurance Plan for Health Care FSA
o Short + Long Term Disability
o Life Insurance + Long Term Care
o Critical Illness + Cancer
Benefit Solutions

5. Benefit Solutions
Wide Product Portfolio
Products designed to…
o Manage and address increasing
cost of health care
o Bridge gaps in current coverage
o Complement, enhance and
round-out employer benefits program
o Provide employees and their family
with financial protection
Products offered with…
• Guaranteed Issue
• Competitive pricing
• Take-over credit towards pre-existing
conditions

6. Benefit Solutions
Premium Saver – Insured HRA
An employer sponsored group supplemental
insurance plan designed to help reduce the cost of
group medical coverage.
o Modify current benefit plan to a “high deductible”
(4k – 5k) health insurance plan
o Add “FULLY INSURED” HRA coverage to
cover the increased deductible and coinsurance.
o Pays off the underlying major medical plan
EOB, and it pays benefits directly to the provider.
o Plan has a supplemental deductible and co-
insurance per insured person that must be satisfied
before benefits paid.
o Plan pays benefits described in the policy until the
payments reach the Maximum Benefit Amount.

7. Benefit Solutions
Sample Case –
Employment Services
Census Status Medical Total
58 Employee $471.11 $471.11
23 2 Person $1,130.67 $1,130.67
10 Family $1,366.19 $1,366.19
91 $66,991.69 $66,991.69
Census Status Medical Total
58 Employee $494.39 $494.39
23 2 Person $1,186.55 $1,186.55
10 Family $1,483.18 $1,483.18
91 $70,797.07 $70,797.07
Census Status Medical Insured HRA Total
58 Employee $320.36 $93.47 $413.83
23 2 Person $768.88 $175.01 $943.89
10 Family $961.09 $248.01 $1,209.10
91 $45,876.02 $11,926.59 $57,802.61
Proposed Plan 1: Annual Savings Versus Renewal Plan $155,933.52
Current Plan: BCBS $500 DD/20% to $1500
Renewal Plan: BCBS $500 DD/20% to $1500
BCBS $5,000 DD & INSURED HRA to $500 DD/20% to $1500
This sample case is for agent use only. This sample case is simply an illustration of how the Insured HRA concept can work. It is not
intended to indicate rates or savings for other groups. Because there are many different plan designs, variations in claim risk,
medical plans the rates and savings will vary by group. Contact your agent for a quote and savings illustration.

8. Benefit Solutions
Solutions Plus+ Gap Packages
An employer sponsored group supplemental
insurance plan primarily designed to cover
deductibles, coinsurance and co-payments.
Providing employees quality healthcare benefits
that are affordable.
o Pays first dollar benefit for inpatient and
outpatient expenses incurred up to the plan
maximum
o Hospital Confinement: $500 - $10,000
o Outpatient Services: $200 - $2,500
(max 4 conditions per family/per year)
o Package Solutions Plus+ Gap with…
• Group Critical Illness
• Accident

9. Benefit Solutions
Hospital Confinement
These indemnity products can provide employees
the benefits they need without hurting the bottom line
of the organization.
o Pays a lump-sum benefit for initial hospital
confinement and outpatient surgical procedures.
o Most plans can include benefits paid for…
• Outpatient surgical care
• Diagnostic procedure
• Doctors Office Visits
• Emergency Room Visit
• Rehabilitation Benefit
o Various levels of coverage and plan choices to fit
within the major medical plan to help bridge gaps
in coverage.

10. Benefit Solutions
Short Term & Long Term Disability
The most important asset your employees possess is
their ability to come to work and earn a paycheck.
Adding a disability plan is a great way to enhance your
benefits package at no cost to you.
• Accidental Death Benefit
• Drug Addiction Limited Benefit
• Physician Benefit
• Waiver of Premium
• Partial Disability Benefit
• Mental Illness Limited Benefit
o Multiple elimination periods and benefit periods.
o Employer chooses benefit period to fit organization needs.
o Long Term Disability starting at 8th day elimination period and benefits payable up to
Social Security Normal Retirement Age (SSNRA).
o Some disability plans may include benefits for additional coverage…

11. Benefit Solutions
Accident Insurance
Accidents can happen anytime, anywhere, without
warning. Adding an accident plan to enhance your
company‟s benefits package provides a way for
employees to offset unexpected medical costs.
• Initial and follow up care
• Dislocations and fractures
• Surgical benefits
• Ambulance and emergency care
• Hospital and ICU admission
• Hospital and ICU daily confinement
• Catastrophic injuries
• Accidental death and dismemberment
o Most accident plans pay lump-sum benefits to cover…
o Accident plans may include additional benefits for…
• Sickness/Hospital Confinement
• Spouse Disability

12. Benefit Solutions
Cancer Insurance
Cancer plans pay lump-sum benefits providing
employees with the protection they need to offset
medical and non-medical out-of-pocket expenses
resulting from cancer diagnosis and treatments. Adding
this plan enhances your company‟s benefits package and
promotes the importance of wellness.
o Most cancer plans pay lump-sum benefits to cover…
• Preventative care
• Initial diagnosis
• Inpatient & outpatient hospitalization
• Prostheses/artificial limb
• Treatment benefits
• Experimental treatments
• Surgical procedures
• Extended care
o Cancer plans may include additional benefits for…
• Critical Illness
• Specified Disease

13. Benefit Solutions
Critical Illness Insurance
Many employers today are having to raise the cost of
their major medical plans out-of-pocket expenses. A
Critical Illness plan is a low-cost solution to help offset
these expenses.
o Benefit amounts may vary from $5,000 - $100,000
o Plans may include benefits paid for initial and subsequent
diagnosis
o Most critical illness plans pay lump-sum benefits to cover…
• Heart Attack
• Stroke
• End Stage Renal Failure
• Major Organ Transplant
• Permanent Paralysis
• Coma
• Blindness
• Cancer

14. Benefit Solutions
Life Insurance
Providing your employees survival benefits enhances
and complements your company‟s benefits package.
Several options are available and can be provided
without hurting your organization‟s bottom line.
o Universal Life, Term Life, or Whole Life plans available
o Benefit amounts vary depending on product
o Combine permanent Universal Life with an inexpensive Term Life
o Some plans have options to include…
• Critical Illness coverage
• Long Term Care coverage
• Waiver of premium
• Accelerated Death Benefit
• Accidental Death Benefits
Life Insurance pays for…
Balance of mortgage
Outstanding debt
Children‟s education
Maintain family
standard of living

15. Benefit Solutions
Hollern & Associates – a worksite
general agency with more than 30
years experience, helping brokers
and their clients find sound solutions
addressing bottom-line benefit
decisions.
Call us today!

16. The following is a short list of carriers
Hollern & Associates Represents

17. “Best in Class” Products and Services
for Brokers and their Clients