This page edify USHealth as the exclusive distributor of Secure Advantage. The client can ONLY y this product through a captive agent that works for the company. The product is NOT available anywhere else or through anyone other than an agent like ME. What makes this product even more exclusive and desirable is that the rates can be locked in for up to three years.
Full comprehensive Sickness and accident plan. Again, rates can be locked fore 36 months. First dollar wellness and doctor visits which means no more co-pays in most cases (we’ll cover that in detail a little later), 24 hour coverage on and off the job, Reinsured and rated A by AM Best, Coverage travels with you and is supported by our national Cigna/Great West network, and this plan is not subject to federal reform mandates which means NO mandatory rate increases and no more paying for things that you do not want and do not need.
Here is list of some of the different types of sicknesses that are covered…. As you can see, full sickness coverage, very comprehensive.
Touch on a few different things EX… Assistant surgeon is covered, not all plans offer this, Radiation and Chemo, 120 days of home health care (most plans offer 30 days) 25 physical therapy treatments (most plans limit you to 10)
Deductible and coinsurance choices. Locking rates for 36 months is the best savings. Talk about medguard and the accident coverage
Here is a tradition plan verses our plan. Remember the medguard I just mentioned, well this is how it works. PAUSE SCREEN and calculate their check amout and then tell them exactly what their check will be. UNPAUSE SCREEN and move on to next slide.
List of most common accidents. All covered incidents
Scroll through this slide
Life coverage INCLUDED, $500 deductible for any of the accidents that we discussed earlier. After two days in the hospital this plan will pay you directly $400 per day which can help pay bills, deductible, food, whatever you want to use it for. It’s your money, use it however you want. The check comes to you in your name.
Here’s an example of real life accidents and how a traditional plan works compared to our plan. Explain savings. MAKE SURE CLIENT IS GETTING WHAT YOU ARE SAYING
Explain how you get 4 sniffle visits per year, if you don’t use them they roll over and the next year you have 8. They do not expire, the visits are there when you need them. In addition to the 4 sniffle visits you get an urgent care visit and a wellness visit which is really like 6 doctor visits per year. There is a 6 month waiting period on wellness. Explain that instead of you paying the first $35 or $40 the plan pays the first $70. A lot of times our network negotiated rate is lower than $70 so guess what, you get the check for the difference. We pay $70 no matter what the cost. Let me show you a textbook example.
Explain tradition copays vs our plan. Presentation stops here once you have asked if they understand everything. PAUSE SCREEN and fill in their info in quoting software. MAKE SURE WHATEVER OPTIONS YOU CHOOSE FALL IN THEIR BUDGET. You should have asked this in the needs analysis. Then UNPAUSE screen and show them software. Explain the al la carte rate, then open up internet explorer and start application. Have them fill in the blanks as you go along.
Secure Advantage Power Pointwith Notes 2
Blanket Accident Insurance Coverage * Level VI Association Membership
How Much Can You Save By Locking In Your Premium?A - Increased $Premium 700 $B - Prior Premium 500.00C - Difference (A- $B)=C 100.00% Increase 20%Ushealth rate lockpremium 500Current Insurer Current Our Monthly Rate x12 = Annual YEAR Premium Projected with Increase Lock Monthly Difference Difference $ 1 600.00 $500.00 $100.00 $1,200.00 $ 2 720.00 $500.00 $220.00 $2,640.00 $ 3 864.00 $500.00 $364.00 $4,368.00 Total Projected Savings $8,208.00 USHEALTH Group is saving you $8,208.00 over 3 years!