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- 2. Who are we?
- 3. Confidential & Proprietary 12/11/2012 Information 4
- 4. Maximum Allowable Charge Confidential & Proprietary 12/11/2012 Information 5
- 5. Building Your Plan Confidential & Proprietary 12/11/2012 Information 6
- 6. Confidential & Proprietary 12/11/2012 Information 7
- 7. Confidential & Proprietary 12/11/2012 Information 8
- 8. How Much Can You Save By Locking In Your Premium A - Increased $ 1,148.00 Premium B - Prior $ 961.12 Premium C - Difference $ 186.88 % Increase 16% Current Insurer Kaiser Current Provider USHEALTH Group x12 = Annual YEAR Current Premium Monthly Difference Projected with Increase Monthly Rate Lock Difference 1 $ 1,148.00 $1,331.68 $628.00 $703.68 $8,444.16 2 $1,544.75 $628.00 $916.75 $11,000.99 3 $1,791.91 $628.00 $1,163.91 $13,966.90 4 $2,078.61 $728.48 $1,350.13 $16,201.61 5 $2,411.19 $728.48 $1,682.71 $20,192.55 6 $2,796.98 $728.48 $2,068.50 $24,822.04 Total $94,628.24 Projected Projected Monthly Premium By Year $2,000.00 $1,800.00 $1,600.00 USHEALTH Group $1,400.00 is saving you $94,628.24 Current Provider $1,200.00 over 6 years! $1,000.00 USHEALTH Group $800.00 $600.00 $400.00 $200.00 $0.00 Confidential & Proprietary Year 1 2 3 4 5 6 12/11/2012 Information 9
- 9. Agent Name Tyree Wilson (720)808-9853 tyree.wilson@ushhadvisors.com 7 out of 10 deaths among Americans each year are from chronic diseases: Heart Attack, Cancer and Stroke account for more than 50% of all deaths each year. Centers for Disease Control and Prevention Health Ins. Included Health Ins. Included No Accident Association / Accident Included Insura nce is o ne o f the m o st o ve rlo o k e d b ut vita l p a rts o f a ny g o o d fina ncia l No Critical Illness Critical Illness Included p la n. It m a y se e m unim p o rta nt, o r a n a fte rtho Confidential b&utProprietary ug ht to g e t it, yo u w ill No Hospital Conf. Hospital Confinement Included 12/11/2012tre m Information f if yo u ne e d fe e l e nd o us re lie 10 insura nce a nd ha ve it in p la ce .
- 10. Doctor Visit Confidential & Proprietary 12/11/2012 Information 11
- 11. Confidential & Proprietary 12/11/2012 Information 12
- 12. Lab EOB Confidential & Proprietary 12/11/2012 Information 13
- 13. Lab Fees Confidential & Proprietary 12/11/2012 Information 14
- 14. Wellness Confidential & Proprietary 12/11/2012 Information 15
- 15. Cat Scan Confidential & Proprietary Information 16
- 16. Confidential & Proprietary 12/11/2012 Information 17
- 17. How They All Work Together $500,000 -CIGNA $206,000 - $6,000 Deductible $200,000 x 20% Out of Pocket Max $3,000 $9,000 $197,000
- 18. How They All Work Together $500,000 -CIGNA $206,000 - $6,000 $200,000 x 20% $3,000 $9,000 $197,000
- 19. How They All Work Together $500,000 -CIGNA $206,000 - $6,000 $200,000 x 20% $3,000 On the Job Coverage $197,000 $9,000
- 20. HEART ATTACK Confidential & Proprietary 12/11/2012 Information 21
- 21. Timeline
- 22. Fully Insured vs Careington Confidential & Proprietary 12/11/2012 Information 26
- 23. Careington Dental Benefit Schedule Confidential & Proprietary 12/11/2012 Information 27
- 24. Thank You for your time Helping Other People Everyday 12/11/2012 Confidential & Proprietary Information 28
Editor's Notes
- "Okay, let me tell you about the company that I picked for you..."Go through the Brag Sheet about the company so that they will be familiar with US Health Group and Freedom Life.This is where you will start the conversation about the two or three year rate lock, (building value)This is where you will sneak in CIGNA...We can help folks with this plan in 35 states, but since it is a CIGNA PPO plan, you will be IN Network in all 50 states.This is where you will bring up the fact that US Health Group puts you in a 15 million man group, a non-profit association. (Open the brochure and show them how that benefits them in the way of rate increases and not being picked on just because they have a big claims year personally.)
- Read the slide
- This is a page out of the local Farm Bureau plan by Blue Cross Blue Shield. One problem with Individual Major Medical plans is that they play games in their policies by inserting maximum allowable charge schedules. My Uncle had this plan and was diagnosed with Cancer. His Cancer treatments were $1,700 a piece and were twice a week for almost 6 months. The plan kept saying that their MAC was $800 per treatment. He ended up with a $42,000 lien on his Farm. Whatever plan you get please don’t get one that does that.
- Most people want as low of a deductible as they can get. Right? Of course, what does that do to the PREMIUM? If you go with a real high deductible just to save a lot of money, then what if SOMETHING HAPPENS?Remind them of the Non- Profit Association whose entire reason for existence is to help them keep their healthcare costs down. The association actually makes them "Happier with a Higher deductible." As a result most of your customers choose a $6,000 or $9,000 deductible or even higherNow you will not have to ask them which deductible they want to plug into the illustration. Just assume the $6K and run with it.Ok, then there's Coinsurance where you now share in the cost after the deductible. The insurance company pays 80% and you pay 20%. Let's illustrate how that would work if you had a large medical bill. $500,000-CIGNA$206,000- $6,000$200,000x 20%if that 20% ran wild then the number would be.....$40,000 right?Thank goodness that's not how it works, the maximum OOP on the 80% plan is only... $2,000Then the plan pays 100%, UnlimitedMake sure you have drawn out all of the players in the scenario so that they can see who does what for them and what they will incur.AssociationYOU ($9,000)Major Medical Company (Freedom Life) ($197,000)CIGNA (PPO)Reiterate what each player did from them one by one and what their OOP is now...Now, what is the association going to do to make you Happy about that Higher OOP?
- CASH (Building alot of VALUE in the Section)The Association found out that 90% of the time, when you have a big hospital bill is because you have one of four things ...They spell CASH...Cancer, Accidents, Stroke, Heart1. Explain what the Association is going to do if they have an accident...After showing what the Association does in the case of an accident..."That's really great, isn't it?" "Well, it gets better from here..."2. Explain what Med Guard does for them if they have a critical illness3. Explain what the Association does if they go into the Hospital for any reason.4. We already talked about why you don’t need to pay extra premium for a doctor’s office copay.5. RxCopay…A. Generic drugs is no reason to pay extra premium for a drug card since they are going to be $2 to $10 anyway…B. The one or two times a year that you have to take a rx that costs $80 to $100 is going to be discounted by CVS/Caremark, your prescription manager. So, still no reason to pay extra for a drug card. C. However, if the doctor tells you that you need to take a drug that costs $300/month, the you might look back and say, “Why didn’t I get the drug card?” Well, we have another solution for that…MedScript allows you to receive a 90 day supply of the drug at a greatly reduced price, mailed right to your home.6. Call MDThey should be asking things like, "what is this going to cost," or "this sounds to good to be true."
- CASH (Building alot of VALUE in the Section)The Association found out that 90% of the time, when you have a big hospital bill it is because one of four things have happened to you ...They spell CASH...Cancer, Accidents, Stroke, Heart1. Explain what the Association is going to do if they have an accident...After showing what the Association does in the case of an accident..."That's really great, isn't it?" "Well, it gets better from here...“ Example is Level VI $500 / up to $20,0002. Explain what Med Guard does for them if they have a critical illness3. Explain what the Association does if they go into the Hospital for any reason.4. Wellness Package5. Caremark/MedLink/CallMD6. Start the discussion on Life Insurance and DisabilityThey should be asking things like, "what is this going to cost," or "this sounds to good to be true."
- All Association Benefits like Accident, Critical Illness, and $ per day in the Hospital are included in all of these numbers…The only thing that changes from top to bottom is the Deductible and Co-Insurance
- The timeline is very informational even if you don't need it to disarm the customer's wall of "I will not be sold."Draw a blank timeline and say, "Today all we can do is get you into Underwriting." "We will ask for an effective date of say 10/15..." Then in the middle of the timeline show them getting an Approval after they have been Underwritten. Then let them know that no money comes out until the end of the timeline at their effective date. Then come back to the beginning and say, "So it is just a matter of getting you underwritten so that we can get the company's decision to take you, then you can decide to take them after that.