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  1. 1. How Your Company Can Offer Affordable Health Programs to Your Employees
  2. 2. <ul><li>NAHU Newswire </li></ul>Survey: Consumer-driven health plans growing in popularity CBSNews.com
  3. 3. Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals NAHU Newswire Leading the News Survey indicates more Americans are struggling to pay medical bills. The Washington Post (8/20, A2, Joshi) reports that &quot;Americans are struggling to pay medical bills and are accumulating medical debt at an increasing rate,&quot; according to &quot;survey by the Commonwealth Fund, a private foundation that supports independent research on healthcare.&quot; Over 40 percent of &quot;adults in the 19-to-64 age group reported problems paying medical bills or had accumulated medical debt in 2007, up from [33 percent] in 2005.&quot; According to the survey, there has been &quot;a sharp rise in the number of people spending more than 10 percent of their income on healthcare. Among people with annual income below $20,000, the figure more than doubled to 53 percent from 26 percent in 2001.&quot; Furthermore, among &quot;those facing mounting medical bills, 39 percent used all their savings, 30 percent incurred large credit card debt, and 29 percent said medical bills left them unable to pay for basic necessities such as food, heat or rent.&quot;        
  4. 4. Employers increasingly offer consumer-driven health plans, survey suggests. The Triangle Business Journal (8/20) reports, &quot;A new survey by [UBA], shows that participation in consumer-driven health plans is becoming an increasingly popular health insurance option.&quot; After surveying &quot;18,019 health plans sponsored by 12,860 employers,&quot; UBA found that &quot;the total number of consumer-driven health plans has increased this year by 43 percent over 2007.&quot; Consumer-driven health plans &quot;now account for nearly 13 percent of all plans offered by employers.&quot; According to the survey, consumer participation increased by 5 percent as well. UBA found that so far this year, &quot;employers have contributed an average of $1,209 to health reimbursement accounts for single employees and $2,274 to family plans.&quot; While preferred provider organizations accounted for &quot;54 percent of all plans offered,&quot; health maintenance organizations represented &quot;21.3 percent of all plans offered.“ Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals NAHU Newswire
  5. 5. You Are NOT Alone <ul><li>More than 70% of American companies had </li></ul><ul><li>double-digit healthcare cost increases in 2006 </li></ul><ul><li>59% of companies intend to keep down rising health-care costs in 2009 by raising workers' deductibles and co-pays </li></ul><ul><li>From: Insurance News </li></ul><ul><li>144 million Americans have no form of dental coverage, [including those with jobs] </li></ul><ul><li>175 million Americans are either uninsured or underinsured, [regardless of employment status] </li></ul><ul><li>From: NADP </li></ul><ul><li>From: NAIU </li></ul>
  6. 6. Employer Advantages <ul><li>NO </li></ul><ul><li>Contribution Requirements </li></ul><ul><li>NO </li></ul><ul><li>Participation Requirements </li></ul><ul><li>Flexibility </li></ul><ul><li>Ease of Administration </li></ul>
  7. 7. Employer Advantages <ul><li>Employee Retention – 2 nd highest reason employees move to another company is for benefits </li></ul><ul><li>No Mandatory Participation – Unlike insurance, there is no required percentage of employee participation </li></ul><ul><li>No Mandatory Contribution – Unlike insurance, there are NO contribution requirements placed on employer. Employer may choose to pay all, part or NONE of monthly fee. Employer may decide which employees/full-timers/part-timers or independent contractors to contribute to or not contribute to. </li></ul>
  8. 8. Employer Advantages continued . . . <ul><li>Payroll Deduction at Employer’s discretion </li></ul><ul><li>One List Bill Sent to Company (w/ 5+ participants) </li></ul><ul><li>Auto Draft (w/ less than 5 participants) </li></ul><ul><li>Ease of Administration (easy adds and drops) </li></ul><ul><li>Qualifies for Section 125 – Pre-Tax Dollars </li></ul><ul><li>No Mandatory Open Enrollment; at Employer Discretion </li></ul><ul><li>NO COBRA Administration </li></ul><ul><li>Employee Education by Independent Representative </li></ul><ul><li>ID Cards mailed directly to employees’ homes </li></ul>
  9. 9. Employee Advantages <ul><li>Affordability </li></ul><ul><li>Freedom of Choice </li></ul><ul><li>Coverage for Family </li></ul><ul><li>No Waiting Periods </li></ul><ul><li>No Medical Qualifying </li></ul><ul><li>Pre-Tax Dollars Portability </li></ul>
  10. 10. Employee Advantages <ul><li>Drastically lowers cost of Healthcare </li></ul><ul><li>Low Monthly fees, whether Employer contributes or not </li></ul><ul><li>Payroll Deduction Available at $ 3.42 /week - $ 13.85 /week depending on plan selected </li></ul><ul><li>No Waiting Period to use Plans </li></ul><ul><li>No Deductibles to meet </li></ul><ul><li>Instant Savings </li></ul><ul><li>Up to 80% Savings or More </li></ul>
  11. 11. Employee Advantages continued… <ul><li>No Exclusions of pre-existing or ongoing conditions </li></ul><ul><li>May Select Plan of choice of 4 options </li></ul><ul><li>May use Pre-Tax Dollars </li></ul><ul><li>No Paperwork or Reimbursement Worries </li></ul><ul><li>Specialists included, where available, even cosmetic </li></ul><ul><li>Orthodontics & Cosmetic Dentistry included with Dental Plan </li></ul>
  12. 12. Employee Advantages continued… <ul><li>May choose and change provider within network without prior approval or notification </li></ul><ul><li>May refer and recommend personal dentist or physician if not a participating provider in network </li></ul><ul><li>No Limits of Services or Visits </li></ul><ul><li>Never Pay Retail for Health Services </li></ul><ul><li>No Age Limits </li></ul><ul><li>Household Fees include anyone living at residence, regardless of relationship or age </li></ul>
  13. 13. Plan Options and Comparison <ul><li>A Comparison of our Dental Plan vs </li></ul><ul><li>Traditional Dental Insurance. </li></ul><ul><li>Our 4 Plan Options, </li></ul><ul><li>what they include and Pricing. </li></ul>
  14. 14. Comparison <ul><li>Dental Insurance </li></ul><ul><li>Consumer-Driven Dental Plan </li></ul><ul><li>$50.00 - $75.00 per month </li></ul><ul><li>60 to 180 day waiting period </li></ul><ul><li>6-12 month waiting period for pre-existing conditions </li></ul><ul><li>$50 - $100 deductible </li></ul><ul><li>Claim forms to file </li></ul><ul><li>$750 - $1500 annual maximum limit </li></ul><ul><li>State restricted </li></ul><ul><li>Orthodontics may not be covered or may exceed annual limit </li></ul><ul><li>Approval req’d for change of dentist </li></ul><ul><li>Specialists may exceed annual limit </li></ul><ul><li>Premium rate may vary any time </li></ul><ul><li>Vision, Rx, Chiropractic extra cost </li></ul><ul><li>$14.95 - $19.95 per month </li></ul><ul><li>No waiting period </li></ul><ul><li>On-going conditions accepted with no waiting </li></ul><ul><li>None ------ Instant Savings! </li></ul><ul><li>No paperwork to file </li></ul><ul><li>No limits on services or visits or age </li></ul><ul><li>Nationwide access to services </li></ul><ul><li>Orthodontics for children and adults, with no limits </li></ul><ul><li>Change dentist without approval </li></ul><ul><li>Specialists included </li></ul><ul><li>Fees guaranteed for two years </li></ul><ul><li>Vision, Rx, Chiropractic at NO extra cost </li></ul>
  15. 15. Plans to Choose From <ul><li>PLAN I </li></ul><ul><li>Dental with </li></ul><ul><li>Vision </li></ul><ul><li>Prescription </li></ul><ul><li>Chiropractic </li></ul><ul><li>Individual : </li></ul><ul><li>$ 14.95 /mo or $ 3.42 /week </li></ul><ul><li>Household : </li></ul><ul><li>$ 19.95 /mo or $ 4.61 /week </li></ul><ul><li>PLAN II </li></ul><ul><li>Medical with </li></ul><ul><li>Doctor Visits </li></ul><ul><li>Laboratory </li></ul><ul><li>Ancillary (MRI, etc.) </li></ul><ul><li>Hospital Advocacy </li></ul><ul><li>24 Hour Nurseline </li></ul><ul><li>Household : </li></ul><ul><li>$ 29.95 /mo or $ 6.92 /week </li></ul>
  16. 16. Plans to Choose From continued… <ul><li>PLAN III </li></ul><ul><li>Dental with Medical </li></ul><ul><li>Including: </li></ul><ul><li>Vision, Prescrip., Chiro, </li></ul><ul><li>Doctors Visits </li></ul><ul><li>Ancillary </li></ul><ul><li>Hospital Advocacy </li></ul><ul><li>Nurseline </li></ul><ul><li>Household : </li></ul><ul><li>$ 39.95 /mo or $ 9.23 /week </li></ul><ul><li>PLAN IV </li></ul><ul><li>Dental with Medical as in </li></ul><ul><li>Plan III details; </li></ul><ul><li>Including also: </li></ul><ul><li>Auto Club (Sign & Drive) </li></ul><ul><li>Discounted Legal Services </li></ul><ul><li>Identity Theft Protection </li></ul><ul><li>Household : </li></ul><ul><li>$ 59.95 /mo or $ 13.85 /week </li></ul>
  17. 17. Group Requirements <ul><li>Although requirements </li></ul><ul><li>are minimal, there are requirements that must be met in order to have a smooth group sales process . </li></ul>
  18. 18. Group Requirements <ul><li>Must have minimum 5 employees for monthly List Bill </li></ul><ul><li>Under 5 employees, corporate will auto-draft the company account </li></ul><ul><li>With 51 + employees, registration fees ( $20-30 ) are waived automatically </li></ul><ul><li>Must send 1 st month payment with applications and Employer Acceptance Letter </li></ul><ul><li>1 st month’s payment may be made with company check or company credit card (photocopy of credit card required) </li></ul><ul><li>May NOT fax initial paperwork into corporate. </li></ul><ul><li>Must mail initial paperwork (originals) and 1 st month’s payment into corporate (recommend overnight or 2 nd day air with delivery signature required) </li></ul><ul><li>Future adds/drops to existing group account may be faxed to corporate Group Division </li></ul>
  19. 19. How Big is The Need and How Large is The Market? The Dental Crisis in America <ul><li>Millions of Americans Need </li></ul><ul><li>Affordable Dental Care. </li></ul><ul><li>Not only is it affecting people's teeth and quality of life, but its affecting their overall health! </li></ul><ul><li>Over 100 million Americans do not have dental insurance and the lack of coverage is leading to problems such as school absence, unemployment, and death. </li></ul><ul><li>Michelle Miller, CBS News </li></ul><ul><li>We have a solution ! </li></ul><ul><li>CBS News special report on the </li></ul><ul><li>Dental Insurance Crisis </li></ul><ul><li>  </li></ul><ul><li>Click this link: </li></ul><ul><li>CBS News Special Report On Dental Insurance Crisis in America </li></ul><ul><li>A new window will open and a short commercial will precede the Report. </li></ul>