The document presents strategies and services from Advanced Benefit Design Institute for reducing employer healthcare costs. It promotes replacing traditional insurance with self-insured plans that refund unused claim funds to employers. The company also offers population health management tools, wellness programs, and consulting services to help lower costs through improved employee health and reduced medical spending. Contact information is provided at the end.

1. NEW RESULTS WHAT WE DO NEXT GEN BENEFITS OUTCOME BASED
Population Health Management Retirement Health to Wealth
Replace Open Enrollment
Paper Docs with our CD Rom!
EMPLOYER
STRATEGIES
BROKER
SERVICES
VENDORS
& TPAs
CONSULTING
SERVICES
Lifestyle Risk
Calculator
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

2. Scott Hettesheimer Suite 1002 513-661-7581 Scott@GroupBenfitsExperts.com
New Benefits Delivery Strategy
2014 will be the year of opportunity for Benefits Consultants.
Thousands of employers are searching out consultants with new
ideas, benefit delivery strategies and achieving affordability.
Employers are considering Self-Insured Solutions. Guide them by
delivering:
New Self-Insured No Financial Risk Strategies!

3. What is the
2 Tier Deductible Plan?
Fully Funded, No Financial Risk, Partially Self Insured
Small employers are exploring self-funding. When done right, self-funding
can save small employers big money.
New insurance contracts are risk identified, risk acceptable and competitive.
In this type of contract, several healthcare profit centers are removed.
The employer gets to keep their unspent money. Insist on a contract
that returns all unspent claims dollars to the employer, the rightful
owner.
Employers have the opportunity to save over 30%.
It’s About Health Care Costs, Not Insurance Rates!
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

4. CDHP & HDHP
HealthCare Need Based Solutions
 Insurance contracts that make all healthcare data available.
 Insurance contracts that provide more benefit design flexibility.
 Employers can determine their maximum liability, fully fund this liability,
and receive refunds for healthcare costs being lower than the funded
liability.
 Employers can set up different premium contributions for employees
based on wellness based outcomes measurements.
 Employers can implement healthcare analytics/predictive modeling,
wellness, lifestyle risk calculator and any other clinical incentive system
that reduces healthcare spending. Create higher attendance &
productivity.
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

5. Traditional Health Insurance
is Not the Solution
 Increasing Annual Renewal Cost From Pooling
 Under Managed HealthCare Need
 Complicated HealthCare Benefit Delivery Platform
 State-Mandated Benefits Cost
 Insurance Companies are “For Profit”
 No Reason to Shop Health Care Providers
 No Reason to Improve “State of Health”
 No Management of Lifestyle/Behaviors
 Unspent Claims Dollars Keep by Insurance Company
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

6. Implement
Communication Assets
When switching to ERISA shared funding, we assure that all
components of the comprehensive healthcare benefit program are
integrated and delivered through the new plan –
Synchronized HealthCare Benefit Delivery
Assure coordination of all benefits
Benefits website should be updated and coordinate all the benefit
programs
All communication tools should be in place: web portal, mail, email,
texting, cellular, land line and resource library
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

7. Actions: Doing Things Different
• Implement 2 tier deductible plan that refunds un-spent claim dollars
• Create new employer premium contributions that incentivize plan
participants to improve their health. Stop healthcare benefit cost shifting
• Healthcare benefit cost savings projection, 2014: 10% - 30% reduction
• Flattened trend increases for 2015 – 2017, 0% to 5% renewal increase
goal
• Fewer lost hours, fewer sick days, increase in attendance = productivity
• Reduced disability and worker comp claims
• Slow disease progression and increase disease treatment compliance
• Improved “quality of life” for employees and their families
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

8. Services
 Open Enrollment Custom CD Rom Creation
 DOL Audit Compliance Manual
 Benefits Business Plan Creation
 ERISA Academy
 Re-Invent Yourself Business Plan
 Full Benefits Audit
 New Small Group Self-Insured Solutions
 Benefits Delivery Platform
 Population Health Management
 Lifestyle Risk Calculator
Other Services:
www.AdvancedBenefitDesignInstitue.com
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

9. NEW RESULTS WHAT WE DO NEXT GEN BENEFITS OUTCOME BASED
Population Health Management Retirement Health to Wealth
Replace Open Enrollment
Paper Docs with our CD Rom!
EMPLOYER
STRATEGIES
BROKER
SERVICES
VENDORS
& TPAs
CONSULTING
SERVICES
Lifestyle Risk
Calculator
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.

10. Contact:
Advanced Benefit Design Institute, LLC
3254 Montana Ave., Suite 1003
Cincinnati, Ohio 45211
513-661-7581
scott@GroupBenefitsExperts.com
http://www.AdvancedBenefitDesignInstitute.com
This presentation contains proprietary information. It is intend for use only by our contracted brokers and employer groups. Any redistribution or other use is strictly forbidden. The benefit descriptions are intended to
be a brief overview of some benefits available. For Agent/Broker use only. Not for distribution to the general public, nor for solicitation purposes.