2008 Health Wins Presentation V4 7.3.08


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AmWINS Group Benefits Limited Medical Presentation

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2008 Health Wins Presentation V4 7.3.08

  1. 1. HealthWINS Limited Medical Benefits
  2. 2. The Problem: <ul><li>Providing affordable medical benefits for traditional employees and non-traditional workforces, including 1099 independent contractors, seasonal and part time employees </li></ul>
  3. 3. The Solution: <ul><li>HealthWINS Limited Medical Plans </li></ul><ul><li>With the flexibility to meet the demands of today’s marketplace, we offer: </li></ul><ul><ul><li>High-quality benefits at an affordable rate </li></ul></ul><ul><ul><li>A flexible solution that can be customized to a dollar amount or benefit requirement </li></ul></ul><ul><ul><li>A low-cost alternative to major medical plans </li></ul></ul>
  4. 4. About Us
  5. 5. About Us <ul><li>One of the largest insurance wholesalers in the United States </li></ul><ul><li>Relationships with over 100 carriers </li></ul><ul><li>Premium in excess of $3.3 billion </li></ul><ul><li>35 Locations </li></ul><ul><li>Over 1000 employees </li></ul><ul><li>Divisions </li></ul><ul><ul><li>Group Benefits </li></ul></ul><ul><ul><li>P&C Brokerage </li></ul></ul><ul><ul><li>Specialty Underwriting </li></ul></ul>
  6. 6. Some of our clients include:
  7. 7. We’re All About You <ul><li>AmWINS Group Benefits is dedicated to providing brokers with niche products and services that: </li></ul><ul><ul><li>Solve your clients’ unique benefit problems </li></ul></ul><ul><ul><li>Increase your value to your client </li></ul></ul><ul><ul><li>Increase your revenue </li></ul></ul><ul><li>We recognize that your clients and their employees are dropping or foregoing coverage when an overwhelming percentage of them would benefit from less insurance at a lower cost </li></ul><ul><li>Welcome to HealthWINS Limited Medical! </li></ul><ul><li>Let us create a solution to meet your needs </li></ul>
  8. 8. So, what’s the plan?
  9. 9. The Plan: <ul><li>We have turned limited medical plans into consumer friendly, easy-to-understand benefits that will generate demand from your clients </li></ul><ul><li>The HealthWINS advantage provides employees with the types of benefits that they and their family are most likely to utilize on an annual basis </li></ul><ul><li>Allow AmWINS Group Benefits </li></ul><ul><li>to design a plan for you. </li></ul>
  10. 10. The Plan (continued): <ul><li>Covered Expenses include: </li></ul><ul><ul><li>Doctors’ office visits </li></ul></ul><ul><ul><li>Prescription drugs </li></ul></ul><ul><ul><li>Hospital charges </li></ul></ul><ul><ul><li>Surgeons’ and anesthesiologists’ fees </li></ul></ul><ul><ul><li>Diagnostic laboratory and X-ray procedures </li></ul></ul><ul><ul><li>Wellness care </li></ul></ul><ul><ul><li>Maternity care </li></ul></ul><ul><li>Available Ancillary Benefits: </li></ul><ul><ul><li>Dental Insurance </li></ul></ul><ul><ul><li>Group Term Life with AD&D Rider </li></ul></ul><ul><ul><li>Short Term Disability </li></ul></ul><ul><ul><li>Critical Illness Coverage </li></ul></ul>
  11. 11. Plan Features: <ul><li>From $65 per month </li></ul><ul><ul><li>All salary and hourly employees qualify </li></ul></ul><ul><ul><li>First dollar coverage plans </li></ul></ul><ul><ul><li>No minimum participation requirements </li></ul></ul><ul><ul><li>Payroll deduction or direct bill options available (ACH or credit card) </li></ul></ul><ul><ul><li>Over 700,000 network providers nationally </li></ul></ul><ul><ul><li>No employer contribution required </li></ul></ul><ul><ul><li>Dental, life and other insurances available </li></ul></ul><ul><ul><li>Bi-lingual customer care </li></ul></ul><ul><ul><li>No pre-existing exclusion plans </li></ul></ul><ul><ul><li>Co-pay and fixed indemnity plans available </li></ul></ul>
  12. 12. HealthWINS… where one size does not fit all!
  13. 13. Other carriers say they customize <ul><li>We leverage our relationships within the market to provide a consultative sales approach </li></ul><ul><li>We design creative benefit plans and program administration that meet the individual needs of your clients </li></ul><ul><li>We tailor solutions based on elements including employee demographics, pay scale, industry, and billing requirements </li></ul>
  14. 14. One size does not fit all <ul><li>We create custom plan designs that are both available in today’s market and are the right fit for your client </li></ul><ul><ul><li>Fixed indemnity plans </li></ul></ul><ul><ul><li>Co-pay plans </li></ul></ul><ul><ul><li>Hybrids </li></ul></ul><ul><ul><li>Ancillary products </li></ul></ul><ul><ul><ul><li>Guaranteed Issue Life </li></ul></ul></ul><ul><ul><ul><li>Dental </li></ul></ul></ul><ul><ul><ul><li>Short Term Disability </li></ul></ul></ul><ul><ul><ul><li>Critical Illness </li></ul></ul></ul><ul><ul><ul><li>Vision </li></ul></ul></ul>
  15. 15. The HealthWINS Value Proposition: <ul><li>From inception through ongoing service to policy renewals, AmWINS Group Benefits provides complete enrollment services, superior customer care and administrative support </li></ul><ul><li>Our Mission: </li></ul><ul><li>To positively impact each person we touch </li></ul>
  16. 16. Enrollment
  17. 17. Enrollment Process: Call Center <ul><li>Employee enrollment begins with personal service delivered through our state-of-the-art customer care center and a dedicated account management team headed by an assigned relationship manager </li></ul>
  18. 18. Enrollment Process: Employee Communications <ul><li>To minimize confusion and greatly enhance participation, we utilize a blend of technology, personal touch and traditional communication methods </li></ul><ul><ul><li>State-of-the art Customer Care Center </li></ul></ul><ul><ul><li>Online enrollment tool </li></ul></ul><ul><ul><li>Dedicated toll-free phone number </li></ul></ul><ul><ul><li>Outsourced on-site enrollers </li></ul></ul><ul><ul><li>Multi-lingual Customer Care Representatives </li></ul></ul><ul><ul><li>Written communications </li></ul></ul><ul><li>Enrollment materials, contact information and benefit descriptions are available 24/7 through your customized web portal </li></ul>
  19. 19. Enrollment Process: Enrollment Communications <ul><li>In close coordination with your client’s Human Resources Department, our marketing professionals develop a wide range of targeted communications, including: </li></ul><ul><ul><li>Payroll stuffers, on-site posters, email blasts </li></ul></ul><ul><ul><li>A complete enrollment kit </li></ul></ul><ul><ul><li>Private label benefits web site </li></ul></ul><ul><ul><li>Enrollment instructions sheet (single page) </li></ul></ul><ul><ul><li>Plan enrollment application </li></ul></ul><ul><ul><li>Employer endorsement letter </li></ul></ul><ul><ul><li>AmWINS Group Benefits welcome letter </li></ul></ul><ul><ul><li>Plan ID cards </li></ul></ul><ul><ul><li>Benefits summary </li></ul></ul><ul><ul><li>Certificate of insurance </li></ul></ul><ul><ul><li>Any additional materials that will enhance the enrollment process </li></ul></ul>
  20. 20. Enrollment Process: Relationship Building <ul><li>Beginning with the enrollment process, we establish a genuine one-on-one personal rapport with each plan participant </li></ul><ul><li>This personal connection earns our members’ confidence, making it clear they have made the right choice to entrust AmWINS Group Benefits with their health insurance </li></ul><ul><li>We believe our approach leads to significantly higher plan participation and long-term stability of your health benefits program </li></ul>
  21. 21. Beyond Enrollment… Customer Care
  22. 22. Beyond Enrollment: Personal Attention <ul><li>Our Relationship Mangers coordinate all aspects of your program, including customer service, policy administration and marketing communication strategies. They: </li></ul><ul><ul><li>Serve as single point of contact for your corporate and Human Resources staff </li></ul></ul><ul><ul><li>Support your employees from enrollment through renewals </li></ul></ul><ul><ul><li>Oversee program materials development review and distribution </li></ul></ul><ul><ul><li>At AmWINS Group Benefits, it’s all about YOU! </li></ul></ul>
  23. 23. Beyond Enrollment: Call Center Quality Benchmarks <ul><li>Customer service available weekdays from 8:00AM to 8:00PM, Eastern Standard Time </li></ul><ul><li>95% immediate resolution of all incoming calls </li></ul><ul><li>Call abandonment rate of less than 3% </li></ul><ul><li>An average of 26 minutes per member call (during enrollment) </li></ul><ul><li>86% of member calls are answered within 20 seconds </li></ul>
  24. 24. Administration
  25. 25. At Every Turn… Excellent Administrative Support <ul><li>With our wealth of experience, we have learned all the best ways to support you in providing benefits coverage for your employees </li></ul><ul><li>We are ready to answer your questions, furnish you with employee materials, handle billing and collections, and adjudicate all your employees’ claims </li></ul><ul><li>To ensure knowledgeable, responsive service our representatives are cross-trained in all administrative functions and are reviewed regularly for quality assurance </li></ul>
  26. 26. Administrative Support: Policy Issue <ul><li>Our Policy Issue Department prepares fulfillment information for all covered individuals. The kit includes: </li></ul><ul><ul><li>Insurance certificate </li></ul></ul><ul><ul><li>Schedule of benefits </li></ul></ul><ul><ul><li>ID cards </li></ul></ul><ul><ul><li>Checking account deduction authorization form </li></ul></ul><ul><ul><li>Privacy notice </li></ul></ul>
  27. 27. Administrative Support: Billing & Collections <ul><li>We provide prompt, efficient and flexible billing options: </li></ul><ul><ul><li>ACH from credit card or bank account </li></ul></ul><ul><ul><li>Group list bill to employer </li></ul></ul><ul><li>By outsourcing your clients’ health benefits administration to AmWINS Group Benefits, you can be confident that every detail will be managed with the utmost efficiency </li></ul>
  28. 28. Enrollment Process: Enrollment Communications <ul><li>Claims status is available online within 24 hours of receipt </li></ul><ul><li>Almost half of all claims are processed within the first day </li></ul><ul><li>Each employer is provided their own toll-free claims support phone number </li></ul><ul><li>Our claims processors average over 10 years of experience </li></ul><ul><li>Efficient operations, timely and meaningful data capture and reporting, integrated cost containment services and negotiated third party products provided </li></ul><ul><li>Owning our own technology platform allows us to evolve our services to meet client needs and expectations </li></ul><ul><li>It’s your plan and we administer it that way! </li></ul>
  29. 29. So, you ask… Why HealthWINS?
  30. 30. Complete Satisfaction for You and Your Employees <ul><li>HealthWINS offers: </li></ul><ul><ul><li>Affordable coverage </li></ul></ul><ul><ul><li>Exceptional service </li></ul></ul><ul><ul><li>Comprehensive enrollment and administration </li></ul></ul><ul><ul><li>High-tech customer care </li></ul></ul><ul><ul><li>High-touch customer service </li></ul></ul><ul><ul><li>Programs that meet both the employer’s budget and the employee needs </li></ul></ul><ul><ul><li>We have the solution you need in </li></ul></ul><ul><ul><li>limited medical plans! </li></ul></ul>