Simple, Balanced, Loaded Power Point Presentation[1]

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Agent Guided Walk through for Simple, Balanced, Loaded PPP

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Simple, Balanced, Loaded Power Point Presentation[1]

  1. 1. Simple, Balanced, Loaded A look at the entire health insurance marketplace
  2. 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. 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. 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. 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. 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. 7. Let’s get started
  8. 8. Simple, Balanced, Loaded
  9. 9. Simple, Balanced, Loaded A look at the entire health insurance marketplace
  10. 10. Loaded Balanced Simple
  11. 11. 3 General Approaches Loaded Balanced Simple
  12. 12. 3 General Approaches Hospitalization/Outpatient Loaded Balanced Simple
  13. 13. 3 General Approaches Day-to-Day Hospitalization/Outpatient Loaded Balanced Simple
  14. 14. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 Loaded Balanced Simple
  15. 15. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family Loaded Balanced Simple
  16. 16. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance Loaded Balanced Simple
  17. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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. 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 & 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

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