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Wall of Protection: Health, Income, and Life Insurance

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Discover how insurance can be customized and used as a financial tool to protect ALL of your life. Take control of your assets, plan your course, protect your empire.

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Wall of Protection: Health, Income, and Life Insurance

  1. 1. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Protection for Life Helping to protect your health, income and family
  2. 2. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 About Me ► Born In Texas, raised in California ► MBA – St. Edward’s 2015, BA – St. Edward’s 2006 ► Passions: Traveling, Hiking, Camping, Dancing ► YMCA Board Member, HAAM, KAB ► Taz – 9 year old Doxie mix 2
  3. 3. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 We are one of the largest insurance distribution companies in America with more than 3,000 agents nationwide. HealthMarkets Insurance Agency 3 HealthMarkets provides solutions that meet the health and financial protection needs of individuals and families.
  4. 4. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Portfolio of Insurance Companies 4 Our broad portfolio of recognized and trusted national and regional insurance companies. UnitedHealthOne is the brand name for UnitedHealthcare family of companies that offer personal health insurance products. Products are marketed through independent agents. For costs, benefits, limitations and exclusions of UnitedHealthOne plans. Please see the product brochure. Not all agents are licensed to sell all products. Availability of carriers and products may vary by state.
  5. 5. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Best For Your Budget 5 Understanding the needs of you and your family Combining the products to give you the best level of coverage for your budget Health Medicare Health & Wellness Supplemental Long-Term Care Association Life Retirement
  6. 6. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Life is Full of Milestones and Surprises Along the way we can help you with Protection for Life 6 Protect Your Health, Your Income, Your Family
  7. 7. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 The Protection You Need at 30 … … is different at 45 or 65 YOUNG FAMILY (Age 30 – 40) On Your Mind: Planning ahead to protect you family, your income and your future ► Health Insurance ► Supplemental Insurance ► Life Insurance 7 These recommendations are general guidelines based on commonalities we notice among our customers. The information and product listed are not meant to be interpreted as appropriate for everyone, as each individual has unique needs and circumstances. NEARING EMPTY NEST (Age 40 – 55) On Your Mind: Planning ahead to protect you family, your future long-term care needs and protect your assets for retirement ► Health Insurance ► Supplemental Insurance ► Life Insurance ► Retirement Income ► College Funding RETIREMENT (Age 65+) On Your Mind: Protecting and managing your assets for financial stability ► Medicare Plan & Supplements ► Retirement Income ► Life or Final Expense Insurance CLOSE TO RETIREMENT (Age 55 – 64) On Your Mind: Planning for retirement by protecting the assets you’ve accumulated over the years ► Health Insurance ► Supplemental Insurance ► Life Insurance ► Retirement Income ► Long-Term Care Insurance
  8. 8. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Health Care Reform 8 HealthMarkets provides guidance to help you understand your options under health care reform. Subsidy On Exchange Off Exchange
  9. 9. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 The Affordable Care Act Protections under Health Reform: ► Lifetime limits are prohibited and annual limits are restricted ► You can't be refused insurance or charged more because of a pre-existing condition ► Children up to age 26 may remain on a parent’s policy ► Preventive services must be covered and cannot have cost- sharing ► Many people are now eligible for a break on health insurance costs through tax credits called subsidies ► All individual and small group health policies are required to include certain “essential health benefits.” 9
  10. 10. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 The Metal Plans (On Exchange) 10 Bronze Level Plan covers approximately 60% of expected costs Silver Level Plan covers approximately 70% of expected costs Gold Level Plan covers approximately 80% of expected costs Platinum Level Plan covers approximately 90% of expected costs Lowest Premiums Highest Premiums
  11. 11. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Fact Finding: Health 11 1 in 8 persons seek medical attention from an injury each year 67% of all Emergency Room visits are injury related The average hospital stay is 4.9 days The average cost of a hospital stay has doubled The Healthcare Cost and Utilization Project, sponsored by the Agency for Healthcare Research and Quality (AHRQ). Statistical Brief 146, Costs for Hospital Stays in the United States, 2010, Anne Pfuntner, Lauren M. Wier, M.P.H., and Claudia Steiner, M.D., M.P.H. | FaceTheFactsUSA.org | National Safety Council, Injury Facts, 2012 | CDC National Hospital Ambulatory Medical Care Survey, 2009
  12. 12. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 High Cost of Health Care & Bankruptcy 12 Illness and medical bills contributed to more than 62% of all bankruptcies. (1) Statistics from a Harvard University report “Medical Bankruptcy in the United States, 2007” published in The American Journal of Medicine® And of those filing bankruptcy, almost 78% had health insurance.1
  13. 13. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Supplemental Insurance 42% of Americans say they live paycheck to paycheck 13 How will we cover our day-to-day expenses if one of us is sick or injured? How long can we afford for one of us to be out of work? Supplemental insurance can pay a cash benefit to you and can help protect you financially Can we pay our health insurance deductible without using our savings or going into debt? 2010 CareerBuilder survey
  14. 14. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 In households with children under the age of 18, if the primary breadwinner died today … Why Life Insurance is Important 14 4 in 10 … say they would have immediate trouble meeting everyday expenses 7 in 10 … say they would have trouble meeting everyday expenses within 90 days LIMRA International, Inc.
  15. 15. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Protection for Life has Three Primary Components 15 Your family has hopes and dreams for the future—life insurance can help protect them Expecting the unexpected is one thing, paying for it can be quite another. Supplemental insurance pays you a direct cash benefit to help with expenses A good health policy is indispensable and can also be surprisingly affordable
  16. 16. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Fact Finder 16
  17. 17. ©2014 HealthMarkets Insurance Agency | Proprietary and Confidential | HMIA000003 Customized Protection for Life Solution 17 Creating your Customized Protection for Life Solution includes:

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