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Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
Simple, Balanced, Loaded Power Point Presentation[1]
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Simple, Balanced, Loaded Power Point Presentation[1]

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Agent Guided Walk through for Simple, Balanced, Loaded PPP

Agent Guided Walk through for Simple, Balanced, Loaded PPP

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  • 1. Simple, Balanced, Loaded A look at the entire health insurance marketplace
  • 2. As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans.
  • 3. As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. <ul><li>Give your client an understanding of plan choices within the health insurance marketplace </li></ul>
  • 4. As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. <ul><li>Give your client an understanding of plan choices within the health insurance marketplace </li></ul><ul><li>They can tell you want they want, or what particular type of plan they are leaning towards for themselves </li></ul>
  • 5. As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. <ul><li>Give your client an understanding of plan choices within the health insurance marketplace </li></ul><ul><li>They can tell you want they want, or what particular type of plan they are leaning towards for themselves </li></ul><ul><li>Gives you credibility and integrity for addressing the low quality, scaled back plans that many people buy unknowingly </li></ul>
  • 6. As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. <ul><li>Give your client an understanding of plan choices within the health insurance marketplace </li></ul><ul><li>They can tell you want they want, or what particular type of plan they are leaning towards for themselves </li></ul><ul><li>Gives you credibility and integrity for addressing the low quality, scaled back plans that many people buy unknowingly </li></ul><ul><li>Protects your sold business from people who come to your client after you have completed the sale </li></ul>
  • 7. Let’s get started
  • 8. Simple, Balanced, Loaded
  • 9. Simple, Balanced, Loaded A look at the entire health insurance marketplace
  • 10. Loaded Balanced Simple
  • 11. 3 General Approaches Loaded Balanced Simple
  • 12. 3 General Approaches Hospitalization/Outpatient Loaded Balanced Simple
  • 13. 3 General Approaches Day-to-Day Hospitalization/Outpatient Loaded Balanced Simple
  • 14. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 Loaded Balanced Simple
  • 15. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family Loaded Balanced Simple
  • 16. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance Loaded Balanced Simple
  • 17. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 50/50 70/30 Loaded Balanced Simple
  • 18. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X Loaded Balanced Simple
  • 19. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Loaded Balanced Simple
  • 20. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive Loaded Balanced Simple
  • 21. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Loaded Balanced Simple
  • 22. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Loaded Balanced Simple
  • 23. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 24. 3 General Approaches Day-to-Day Doctor Visit Co-pays Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 25. 3 General Approaches Day-to-Day Doctor Visit Co-pays $15, $25, $35 Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 26. 3 General Approaches <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 27. 3 General Approaches <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 28. 3 General Approaches <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 29. 3 General Approaches <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 30. 3 General Approaches <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 31. 3 General Approaches <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 32. 3 General Approaches $1000 month <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 33. 3 General Approaches $1000 month $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 34. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 35. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Loaded Balanced Simple
  • 36. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs Loaded Balanced Simple
  • 37. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 Loaded Balanced Simple
  • 38. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family Loaded Balanced Simple
  • 39. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person Loaded Balanced Simple
  • 40. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event Loaded Balanced Simple
  • 41. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) Loaded Balanced Simple
  • 42. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event Loaded Balanced Simple
  • 43. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Loaded Balanced Simple
  • 44. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 45. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Looks the same as a Loaded Plan Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 46. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Looks the same as a Loaded Plan Scaled back to reduce costs Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 47. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Looks the same as a Loaded Plan Scaled back to reduce costs Doctor Visit Co-pays Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 48. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul>Looks the same as a Loaded Plan Scaled back to reduce costs Doctor Visit Co-pays $25, $40, $50 Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 49. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 50. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 51. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 52. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 53. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 54. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 55. 3 General Approaches $1000 month $500 $500 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 56. 3 General Approaches $1000 month $500 $500 $600 month <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 57. 3 General Approaches $1000 month $500 $500 $600 month $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 58. 3 General Approaches $1000 month $500 $500 $600 month $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits Scheduled Benefits Loaded Balanced Simple
  • 59. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Loaded Balanced Simple
  • 60. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage Loaded Balanced Simple
  • 61. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1. One Deductible for Entire Family Loaded Balanced Simple
  • 62. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage One Deductible Plan Loaded Balanced Simple
  • 63. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 Loaded Balanced Simple
  • 64. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family Loaded Balanced Simple
  • 65. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage Loaded Balanced Simple
  • 66. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 67. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 68. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 69. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 70. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 71. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 72. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 73. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 $250 month <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 74. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 $250 month $250 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 75. 3 General Approaches $1000 month $500 $500 $600 month $300 $300 $250 month $250 $0 <ul><li>Day-to-Day </li></ul><ul><li>Doctor Visit Co-pays $15, $25, $35 </li></ul><ul><li>unlimited # of visits </li></ul><ul><li>unlimited in scope </li></ul><ul><li>includes preventative &amp; wellness </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$10 Generic $25 Brand Name </li></ul><ul><li>Looks the same as a Loaded Plan </li></ul><ul><li>Scaled back to reduce costs </li></ul><ul><li>Doctor Visit Co-pays $25, $40, $50 </li></ul><ul><li>limited # of visits (2 per year) </li></ul><ul><li>limited in scope </li></ul><ul><li>Prescription Rx Card </li></ul><ul><li>$15 Generic $35 Brand Name </li></ul><ul><li>(after $500 deductible) </li></ul>Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance 80/20 ($2000) 50/50 ($2550) 70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual amounts Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
  • 76. &nbsp;

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