A presentation on the importance of attaining Health Insurance for yourself and your family.

1. What you don’t know
about your health
insurance can kill you!
Poor health insurance
choices are endangering you,
your family and your lifestyle

2. HOW MANY LIVES HAVE BEEN TAKEN?
According to the Urban Institute
analysis, from 2000 to 2006,
137,000 people died because they
were uninsured
This is due to people delaying or
going without needed medical care
Source: Robert Wood Johnson Foundation, ―Uninsured and dying because of it.‖ 2008
Copyright 2009 2

3. UNRELIABLE INSURANCE = HEALTH RISK
Nearly 1.3 million full-time workers lost their
health insurance in 2006
In 2007, 37 million large and small business
workers were uninsured because health
benefits were not offered
Source: National coalition on health care, 2009
Copyright 2009 3

4. ALARMING TRUTHS OF
NO COVERAGE

5. THE FACTS ARE FRIGHTENING
It is estimated 46 million Americans do
not have health insurance 46M
40%
A staggering 60% or 24 million of
Americans are not insured relative to
self-employment or working for a 24M
small business
Total
Self-employed/small
business
Source: NASE, 2009
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6. SMALL BUSINESS EMPLOYEES PAY MORE
An employee in a firm with less than 10
employees pays 18% more for health
insurance than a worker in a firm with
200 or more
Healthcare costs are continuing to rise
for small businesses causing many to
become uninsured
Having no or inadequate insurance will
result in a price you never want to pay
Source: NASE, 2009
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7. SELF EMPLOYED – HIGHER RISK FACTORS
A study showed…
45%
 45% of small business owners are using 40% 39%
credit cards to finance their business
 40% are using commercial loans or credit
lines (often guaranteed by personal assets)
 39% are using their personal assets
12%
 12% are using home equity financing
Risk for the self employed is extremely
high, you’re health shouldn’t be part of it Credit cards Credit lines Personal assets Home equity
Source: Business Week.com October 26, 2008, AllBusiness.com
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8. SELF EMPLOYED HAVE MORE TO LOSE
 60% of small business owners operate
as sole proprietorships
Which means…
if the business fails the owner is
personally liable for the debt
60% When you’re self employed you have
more to lose…
You’re business
You’re assets
You’re health
Source: P. Reynolds, Entrepreneurship in the U.S., Miami, Florida International University, 2004
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9. EMPLOYMENT BASED INSURANCE TANKS
Employment is no longer a guarantee of
health insurance coverage
A rising reliance on part-time and contract
workers means fewer workers have access to
employer-sponsored health insurance
The number of uninsured rose 2.2 million
between 2005 and 2006, and has increased
by approximately 8 million since 2000
Source: National coalition on health care, 2009
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10. UNEMPLOYED BECOMES UNINSURED
Unemployment rates Employment based insurance simply is
not enough
From 2007 to 2009, 5.1 million
Americans have lost their jobs
In March 2009, the unemployment rate
sky rocketed to 8.5%, the highest it’s
been since 1983
2006 2007 2008 Mar-09 Oct. By Oct. 2009 it is projected to be10.3%
2009
Source: Department of Labor. ―The employment situation.‖ March 2009; The financial forecast center, 2009
Copyright 2009 10

11. UNINSURED WILL CONTINUE TO GROW
Increases in unemployment during the
recession have grown the number of
uninsured people by 3.7 million working-
age adults
A study by the University of California at
Berkeley researchers found…
Even if the economy fully recovers, the
number of uninsured working age adults will
grow by 4.2 million by the end of 2012
Source: UC Berkley labor center, As Congress debates health care reform proposals in President Obama’s budget, new report documents the impact on health coverage of NOT
implementing health-care reform, 2009
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12. THE YOUNG ADULT IS BEING HIT THE HARDEST
A national 2009 survey for young adults ages
18 to 29 showed:
 19% are unemployed or looking for work
 41% have been affected by cuts in wages or
hours
 23% have recently lost health insurance
 Over 50% have lost their health coverage
within the last five years
Because of scarce wages and difficult times…
 20% are delaying, leaving college or Volatile times call for critical
transferring to a less expensive school decisions – going without insurance
is not an option
 22% are postponing marriage or waiting to
start a family
Source: PR newswire, April. 2009
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13. THE UNINSURED MIDDLE AGED ADULT
Uninsured
18%
The number of uninsured middle aged
adults is increasing every day…
13%
In 2006,
 18% ages 35-44
 13% ages 45-54
were uninsured
Ages 35-44 Ages 45-64
Source: CDC: Health insurance coverage: Early release of Health insurance estimates, 2006
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14. DEATH – THE ULTIMATE CONSEQUENCE
In 2008, an alarming 9 million children 24 min =
went uninsured 1 death
Every 24 minutes someone dies in the
US, because they were uninsured and Every
could not get the medical help they 24 hrs = 6 hrs =
60 deaths 24 minutes 15 death
needed death occurs
The consequence of risking your own
life or the lives of your children is too 12 hrs =
great 30 people
Source: Cover Robert Wood Johnson Foundation Cover The Uninsured Oct 2008; BC Culture, What’s your excuse? Dave Nalle, 2006
Copyright 2009 14

15. INJURIES – NOT IF BUT WHEN
Something as minor as a broken bone
can cost $5000 in hospital charges
A knee replacement costs nearly $16,000
A complicated heart surgery will cost
close to $200,000 and typically the
hospital requires $100,000 up front
Not being insured only saves you
today’s premiums… it may wipe-out
tomorrow’s financial future
Source: Forbes.com, Forbes, Steve, ―Open heart survery—90% off..‖, 2007; BC Culture, What’s your excuse? Dave Nalle, 2006
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16. CAR INSURANCE MAY NOT COVER YOUR
INJURIES
If your car insurance limits are too low, you
could be putting yourself in financial risk
If you’re seriously injured, making payment
could force you to…
 Liquidate property
 Savings
 Other assets
 Future earnings
Source: Carinsurance.com, 2009
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17. UNINSURED CHILDREN SUFFER
10.7% of all children in the U.S. are
uninsured
Uninsured children are less likely to receive
50% wellness check-ups, immunizations, and
dental care
50% of uninsured children did not
receive a wellness checkup in
2003, compared to 26% of insured
children
Source: National coalition on health care, 2009; HealthPAC online 2009
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18. RESULTS OF UNINSURED CHILDREN
Approximately 20% of uninsured children do not receive
recommended immunizations Receive immunizations
Immunizations is a proven tool for controlling and even
eliminating infectious diseases such as…
 Smallpox, in it’s prime threatened 60% of the world's
20%
population and killed every 4th victim don’t
 Measles, remains a leading cause of death among
young children globally
• Approximately, 197,000 deaths occurred in
2007, mostly children 5 & under
 Polio is a highly contagious disease which can lead
to paralysis or even death
• In 1952, there were approximately 60,000 cases These diseases are just as
real and dangerous to the
with more than 3,000 deaths in the U.S.
Source: HealthPAC online 2009; WHO: Benefits of immunizations, 2009; Kids health, Polio, 2009
20% as they were in 1952
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19. EXPERTS AGREE: NO ONE SHOULD BE UNCOVERED
Over 15 million people ages 18 to 34 live
without medical coverage
"I strongly advise that no one go without health
insurance, even for a few months. You're
exposing yourself to a major financial expense
that can take years to recover from or ruin your
credit history. In fact, lack of medical insurance
is the No. 1 reason cited by people who file for
personal bankruptcy‖
- Ray Martin, Finance expert/counselor
Source: CBS News, ―Health insurance for young adults.‖ 2006
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20. THE HIDDEN DANGERS OF
POOR COVERAGE

21. RISK IS INCREASING…
In 2008, more than 33% of micro-business
owners did not offer health insurance
46%
Of the 46% that do offer health insurance, only
18.6% cover full-time employees
This is a major decline from 2005, when 46.2%
18% reported covering full-time employees
It is up to you to protect yourself
2008 2005
Source: NASE, 2009
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22. UNDERINSURED ARE IN DANGER
The number of underinsured adults
has hit unprecedented rates…
2003
In 2007 it approached 25 million
adults compared to the 16 million
in 2003
Many adults just don’t 2007
understand coverage really is a
possibility
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
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23. MASSIVE MEDICAL DEBTS - A COSTLY DANGER
Results of being underinsured…
In 2007…
• 71 million working-age adults reported
a problem paying their medical bills
• 7 million adults 65 or older reported
medical debt problems
• Nearly 49 million said they were
paying off long-term medical debt
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
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24. BANKRUPTCY – THE ULTIMATE FINANCIAL DANGER
A Harvard University study analyzed 1,700
bankruptcies across the United States
Medical
problems 50% were related to medical financial
problems
High An astonishing, 75% of the individuals who
chance of
bankruptcy claimed (medical) bankruptcy actually had
health insurance
Poor Having poor health insurance coverage is
coverage
like trying to cure pneumonia with over-
the-counter cough medicine
Source: AHCJ: Association of Health Care Journalists, Andrew Van Dam, 2009 Harvard University 2005
Copyright 2009 24

25. INADEQUATE COVERAGE EFFECTS THE MIDDLE-AGED
Middle aged adult
A survey showed…
Middle-aged Americans seem most
worried about paying their health care bills
Among insured individuals ages 45 to
64, 84% were concerned health care
costs would exceed their ability to pay 84% afraid can’t pay
for health care
Source: HonNews, E.J. Mundell, Most Insured adults worry about health care costs, 2009
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26. YOU’RE NEVER TOO YOUNG TO GO WITHOUT
INSURANCE
Accidents, illness and disease is inevitable
even for the young adult
Medical debt could result in…
 Large debt load
 Ruined credit
 Lower standard of living
 Moving back in with your parents
Are you willing to take these risks?
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27. IS IT POSSIBLE TO BE INSURED?
In 2007, underinsured adults
earning between $20- $40K spent
10% or more of their income on
health care
Those earning between $40-$60K
spent 36% of their income on 36%
health care
10%
$40-60K $20-40K
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
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28. YOU CAN’T AFFORD TO BE UNDERINSURED
―Health insurance is one area where you
simply can’t afford to be underinsured
…remember, insurance is all about
planning for the worst. And if you or
anyone in your family were to ever
develop a severe illness, you would want
to make sure you could afford the best
care for them‖
- Suze Orman, Personal finance expert
Source: Suze Orman internationally acclaimed personal finance expert : The Suze Orman Show : Will & Trust Kit : FICO Kit : Insurance Kit : Women & Money
Copyright 2009 28

29. INADEQUATE AGENTS AND
THE DANGEROUS PRICE

30. THE WRONG AGENT - SUBSTANDARD LIVING
Selecting the wrong agent and then obtaining
the wrong coverage leads to financial troubles
39% A study showed adults who experienced
medical bill problems…
29% 30%
 29% were unable to pay for basic
necessities like food, heat, or rent
 39% used their savings to pay bills
Unable to pay Used savings Took on credit
for basic card debt  30% took on credit card debt
necessities
Source: The commonwealth fund. Sara R. Collins, Ph.D., Jennifer L. Kriss, Michelle M. Doty, Ph.D., and Sheila D. Rustgi, 2008
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31. RESULTS OF THESE CHOICES - DISASTROUS
 Inadequate or no health care coverage
 Below-par quality of health and life
 Long-term illness or early death
 Emotional devastation
 Financial ruin
"The Institute of Medicine report shows the
evidence of being uninsured is stronger than ever.
People without insurance do not get the care they
need, and too many people live sicker and die
sooner as a result”
Risa Lavizzo-Mourey, M.D., M.B.A.
Robert Wood Johnson Foundation President and CEO
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32. INADEQUATE AGENT = UNDER PAR HOSPITALS
Many people with inadequate health coverage go
to community health centers to get care…
A study showed people who attend a community
health center will more likely deal with…
 Long waits for appointments
 Discontinued services
 Bed sores
 Infections
 Death in low risk procedures
 Out-dated or lack of necessary equipment
Source: Dewan, S. & Sack, K. A Safety-Net Hospital Falls Into Financial Crisis. The New York Times, 2008
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33. INADEQUATE PLANS RESULT IN OUTDATED EQUIPMENT
Doctors agree outdated medical equipment
such as…
 Microscopes
 X-ray machines
 Scanning machines
 Cameras
 Defibrillators
are unsafe and put patients lives at risk
Source: ABC news, ―Old medical equipment risking patient care‖, 2006
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34. FACE THE HARSH REALITIES

35. CHANCES OF ESCAPE ARE SLIM
In the U.S. 1 out of 3, 33% of individuals will develop…
• high blood pressure
• diabetes
• stroke
• heart attack
• Every 34 seconds a person dies from heart
disease
• 50% of men and 33% of women will develop
cancer within their lifetime
• 25% of individuals develop asthma and allergies
Source: Webmd: Death from Heart disease, 2007; American Academy of
Allergy Asthma & Immunology, 2009; American Cancer Society, 2008.;
American Heart Assoc., 2009; Car accident statistics, 2005

36. REALIZE THE CONSEQUENCES
 Accidents are the top killers among
young adults & children
 Accidents, cancer and abnormality at
birth accounted for 63% of all deaths
ages 5-9
 Accidents, homicide and suicide
accounted for 76% of all deaths
ages 15-29
 Every 13 minutes a person dies in
an accident
Source: National Center for Health Statistics, National Vital Statistics Reports March 7, 2005; car accident statistics, 2005
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37. COMMON BACTERIAL INFECTION IS INEVITABLE
Blood infection, pneumonia and middle ear
infection is the #1 reason for children's doctor visits
in the first few years of life
Every year, approximately 76 million people
become ill from disease-causing substances in food
 Of these about 5,000 die
Each year there is14.2 million cases of bronchitis
Even if you escape major illness, minor illness
requiring medical assistance is unavoidable
Source: National institute of diabetes and digestive and kidney diseases, 2009; WD, ―Statistics about acute bronchitis, 2009
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38. FINANCIAL CRISIS AT MEDICAID AND MEDICARE
When Medicaid and Medicare were passed in
1965, employment-based insurance was the
nation’s principal source of health care coverage
―It was obvious, however, it could never come
close to covering the entire population‖ - The
people to people Health Foundation, Inc.
Medicare is projected to be broke by 2016 or 2018
Employment-based and government insurance are
not enough, no one can rely on these
Source: Enthoven, A. & Fuchs, V. (2006). Employment-Based Health Insurance: Past, Present, And Future. Health Affairs, 25(6), 1538-1547. Retrieved November 10, 2008 from Proquest;
Bush, H. (2007). Florida Forecast: Partly Cloudy. Hospitals & Health Networks, 81(12), 40-2, 44, 1. Retrieved November 10, 2008 from ProQuest
Copyright 2009 38

39. WHAT HAVE WE LEARNED?
Going without or having inadequate health
insurance is tied to too many unknowns...
It is a risk you should not take no matter what
age or how healthy you are…
The only definitive result of lack of coverage
is DISASTER
39

40. THERE ARE OPTIONS FOR RESPONSIBLE INDIVIDUALS WHO…
 Understand there is a moral
responsibility in health insurance
choices
 Understand the link between
protecting the quality of their lives
and adequate health insurance
 Understand the risks of being
uninsured or underinsured
 Are responsible and want to control
their healthcare decisions
 Want the most cost-effective, best
coverage for their situation

41. WHAT’S IN IT FOR YOU?

42. HEALTH BENEFITS OF HAVING INSURANCE
Children with health insurance…
 Are more likely to be healthy
 healthier children do better in school
 Miss less days from school
 Are more likely to be treated for ear
infections, reducing the likelihood of
lifelong hearing loss
 Are more likely to receive basic medical
care for asthma and experience far less
asthma-related attacks and emergency
room visits
Source: HealthPac online, 2009
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43. IT’S MORE COSTLY NOT TO HAVE HEALTH INSURANCE
―Some sort of illness hits everyone eventually, but
many diseases - when caught early - can be
nipped in the bud and full health returned… it’s
important to visit your doctor on a regular
schedule - at least annually or possibly more
often as you get older. If detected soon
enough, a full cure will more likely occur… Either
invest a relatively small amount (in which may be
covered 100% by insurance) in order to stay in
good health, or pay a huge amount later to treat
the disease that is bound to eventually hit us‖
- World Research Foundation
Source: World Research Foundation, 2009
Copyright 2009 43

44. INSURANCE IS KEY TO SAVING YOU MONEY
A study by the Institute of Medicine shows
the average uninsured American would gain
between $1,645 and $3,280 annually if
they were insured
The money represents the value, in
dollars, a person is missing out on in terms
of health care by not having insurance
Having insurance saves you money and
more importantly saves your health
Source: Tribtotal media, ―Lack of adequate health insurance costs the nation., 2003
Copyright 2009 44

45. HEALTH INSURANCE – NAMED AS A LEADING
HEALTH INDICATOR
 Uninsured patients are 1.6 times more
likely to die in 5 years from cancer than
those with private insurance
―Health insurance provides access to health
care. People with health insurance are more
likely to have a primary care provider and
receive appropriate preventative care such
as a recent Pap test, immunization, or early
prenatal care‖
- Healthy People 2010 Campaign
Source: Healthy people 2010, 2009; American Cancer Society, 2007
Copyright 2009 45

46. HEALTH INSURANCE PREVENTS ILLNESS
Adults with health insurance are twice as likely to
receive a routine checkup than those without
 Mammograms in women over the age of 50 result
99% in 20-30% reduction in breast cancer deaths
 Early detection of skin cancer results in a 99%
survival rate
 Early detection of prostate cancer results in a
100%
100% survival rate
Source: American cancer society, 2008; ―Healthy people 2010‖, 2009
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47. INSURED WOMEN VS. UNINSURED
Women without insurance are twice as likely to Late cancer stage diagnosis
be diagnosed in late stages of cancer than
those with insurance 30%
 Only 38.1% of uninsured women receive a
mammogram compared to…
 74.5% with private insurance 15%
 20-30% of uninsured women were
diagnosed with stage III or IV breast cancer
compared to…
 15% with private insurance
Uninsured Insured
Source: American cancer society, 2007
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48. INSURED MEN VS. UNINSURED
5 year survival rate
66% Only 50% of uninsured patients survive
colon cancer for 5 years compared to…
50%
 66% with private insurance
Only 14% of uninsured men ages 50 to
64 receive a prostate cancer examination
compared to…
37.1% with private insurance
With insurance Without insurance
Source: American cancer society, 2007
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49. UNDERSTAND…
KNOWLEDGE IS POWER
Health
insurance

50. INVEST IN YOUR FUTURE - EDUCATE YOURSELF
Approximately 90% of health-insurance
shoppers fail to fully read enrollment and
coverage materials
That means 90% of individuals do not fully
understand their coverages including…
 Out-of-pocket expenses
 Deductibles
 Co-payment
 Co-insurance 90% failed to educate
themselves
This can be costly as well as deadly
Source: How to make the best choices for your health benefits. Medmutual.com, 2009
Copyright 2009 9

51. THE INNER WORKINGS OF HEALTH INSURANCE
Imagine you have a $100,000 heart surgery
Surgery
$50K that is covered by your insurance plan that
has a…
Room  $2,500 annual deductible
$25K
 20% coinsurance after deductible
Dr. Fees  $2,000 out-of-pocket limit per year
$25K
 $5 million lifetime maximum
Total You would be responsible for $4,500
$100K
Source: EHI, ―How does health insurance work?‖, 2009
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52. UNDERSTANDING CO-INSURANCE & OUT-OF-
POCKET EXPENSES
After the deductible is paid the insurance
company typically pays a percentage of the
bill, known as coinsurance…
$100K
For a health insurance plan with 20% Bill
coinsurance, the insurance company will
pay 80% of the covered expenses
$2,500
You become responsible for the remaining client
deductible
20% until your out-of-pocket limit is reached
80%
20%
covered
out-of-
by
pocket
insurance
Source: EHI, ―How does health insurance work?‖, 2009
Copyright 2009 52

53. THE BENEFITS OF HEALTH INSURANCE –
BREAKING IT DOWN
For a $100K heart surgery you will pay…
Out of pocket cost for $100K surgery
 $2,500 for the deductible
$100,000  $2,000 for the coinsurance
Making your total cost
 $4500
The insurance company will pay…
 $95,500
$3,500
Which scenario do you prefer…
With Insurance Without Insurance Paying $100,000 or $4500, having insurance will
determine which dollar amount you end up with
Source: EHI, ―How does health insurance work?‖, 2009
Copyright 2009 53

54. THINGS YOU SHOULD KNOW
An individual with a long history of medical
complications…
 may have a hard time finding individual coverage
 should expect their premium to be higher
The higher the deductible the lower your premium
will be
 a high deductible will protect you from
catastrophic events
If somebody offers you an insurance benefit solution
that looks too good to be true, then it’s likely it’s to
good to be true
Copyright 2009 54

55. WHAT DOES A TOP QUALIFIED
HEALTH INSURANCE AGENCY
LOOK LIKE?

56. TOP-QUALIFIED AGENCIES…
 Understand your needs come first in regards to
coverage and premium
 Provide the largest doctor and hospital networks
 Have educated and experienced career agents (no
part-time agents)
 Extend their service beyond the sale
 Must have a long record of successful results
 Utilize a wide choice of trusted premier carriers
 Have large lifetime maximums
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57. TOP QUALIFIED AGENTS ARE CRITICAL
When insurance companies pay out more in claims
than they receive in premiums and/or medical and
operating expenses rise, your premiums go up
Top-qualified insurance companies collaborate
with top-qualified agencies to provide satisfactory
coverage in a cost-effective manner
“In order for individuals, families and business
owners to make informed decisions regarding their
health coverage, they need accurate information
on both price and quality of service providers”
- NASE
Source: NASE, 2009
Copyright 2009 57

58. TOP AGENTS ARE WELL ESTABLISHED
Finding an agent that has been in
business for at least five years and is
there for the long haul is vital
You never know what the future will bring
Having the right insurance agent will
result in the right insurance plan for
you, giving you peace of mind
Source: insuranceagents.com, 2009
Copyright 2009 58

59. TAKE THE NEXT STEP…
Bring yourself peace of mind by…
Facing Employing Obtaining
Educating
harsh a top the right
yourself coverage
realities agent
Copyright 2009 59

60. THE CRISIS
Having an under qualified agent will result in…
 Inadequate or no health care coverage
 Below-par quality of health and life
 Long-term illness or early death
 Emotional devastation
 Financial ruin
60

61. THE RESOLUTION
 Face the reality of your risk
 Invest in your future through
education about health
insurance benefits
 Understand how insurance
companies work
 Understand how to select an
agent and company to work with
61

62. THE SOLUTION
 Have and retain a good quality of life
 Peace of mind that securing your
future health and assets brings
 Able to leave a legacy
 Able to enjoy your family & other
close relationships
 Feel good about being a responsible
human being
62

63. INTRODUCING

64. As a trusted guide we educate our
clients, empowering them to make
intelligent and informed decisions that fit
their benefit package to their lifestyle. We
are committed to this journey of proactively
helping them navigate their ever changing
needs and protect their lifestyle throughout
their lifetime

65. OUR COMPANY’S
PHILOSOPHY & CULTURE
What is your philosophy
What is your business culture like?
Friendliness, customer centered…
Etc.

66. UNIQUE SOLUTIONS
 We have over 70 million policy holders
 We have one of the largest doctor and hospital networks
available
 We’ve been in business since 1892
 We have a wide choice of trusted premier carriers
 We have career agents that are here to stay
 We have a wealth of knowledge with a deep understanding of
both national and regional issues
 We are easily accessible
 We have the largest lifetime maximums
 We are a Managing General Agency (MGA)
 We are here when things go wrong or you have questions
 Our service extends beyond the sale
 We put our client’s best interests first
 We represent two of the strongest HSA companies in the
country including one of the companies that helped design the
HSA concept

67. TOP QUALIFIED AGENTS
What do you want your customers
to know about your staff…
Professionalism
Length of time with company
Experience levels
Etc.

68. CLIENT SATISFACTION
Written by All About Health Insurance
Should include the following:
Your guarantee
Your assurances
Etc.

69. TESTIMONIALS
"Cathleen Torisi was not only
generous with her time in explaining
the various pros and cons of each of
the plans under review, her
knowledge and expertise were
invaluable in helping us make the
right choice. Anytime we had a
follow-up question on our policy, she
was more than happy to answer it.‖
- Brian McCallen, Golf/Travel Specialist

70. Protect your family…
Protect your future…
Utilize a company that will make this happen…
CALL NOW
000-000-0000
Or visit
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