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Carrier Product Why Purchase Who is Interested? Popular ... … · Who is Interested? Popular...
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Carrier AllyHealth Product Telemedicine Why Purchase NO COPAY, UNLIMITED Physician Consultations via Phone or Video. MD Live chassis. Physician can call prescription in to the pharmacy of your choice. Who is Interested? Popular Benefit Plan American Modern Ameritas Ameritas Pet Health Insurance Covers the cost for many types of services for your cat and dog. CONVENIENCE. All you needis a cell phone. People with no health insurance, HSA's, high-deductible health plans, young children, plans with high physician office co-pays. Issue ages 18+. $100/year for the entire family. Includes Rx Discount Program and Medical Fee Negotiation services. People with Cats and Dogs Various co-pays, deductibles andmaximums depending on budget. Available in OH, IN, KY. Primestar Dental Good dental hygiene is very important to the overall health of an individual. Ameritas PPO network. Every day effective dates. People who do not have access to Dental benefits t hrough an employer. Retirees. Issue ages 18+. Primestar Advantage Plis II. Ameritas PPO Network. $2000 Annual Max. No waiting periods. Child Ortho. Out-of-Network = MAC Spirit Dental Good dental hygiene is very important to the overall health of an individual. Ameritas PPO network. Every day effective dates. People who do not have access to Dental benefits through an employer. Retirees. Issue ages 18+. Ameritas PPO network. $5000 Annual Max. No waiting periods. Implants and Child Ortho included. 3 cleanings/year. Out-of-network reimbursement = 90th or MAC Ameritas Vision If an individual wears prescription glasses, and have an annual exam and buy lenses/and or frames, or wear contact lenses, you will likely get all your premium back in benefits and provider discounts. People who wear presciption eyeglasses. Retirees. Issue ages 18+. Desired provider usually dictates the plan selection. VSP has $10 exam Co-Pay. 12/12/12 with $150 allowance for frames or contacts. Eyemed has $25 exam Co-Pay, 12/12/24 with $130 allowance for frames or contacts. Ameritas Direct Vision If an individual wears prescription glasses, and have an annual exam and buy lenses/and or frames, or wear contact lenses, you will likely get all your premium back in benefits and provider discounts. People who wear presciption eyeglasses. Retirees. Issue ages 18+. Select from 2 different plan designs from both VSP and EyeMed, Desired provider usually dictates the plan selection. $15 exam tCo-Pay. 12/12/12 or 12/24/24 Cigna Accident Pays Lump-sum direct to policyholder based on type of accident. Physically active adults and children. Issue ages 18-74. Guaranteed renewable to age 80. BASIC or PLUS depending on the amount of reimbursement desired. Plans cover wide range of accidents. Heart attack, Cancer and other rides available. Cigna Cancer Men: slightly less than 1 in 2. Women: little more than 1 in 3. Everyone knows someone close to them that could have benefitted from owning a Cancer Policy. High survival rates. Pays for every day expenses while completing treatment. High survival rates and recurrence make this coverage very valuable. People who have a history of cancer in their family. Issue ages 18-99. FLEXIBLE CHOICE. Benefit amounts $10,000 - $30,000 and always sell the recurrence rider. Return of Premium, Heart/Stroke, and other riders also available. Children have same benefit as parents. Cigna Critical Illness 7.9 million living Americans have suffered a heart attack. Each year, approximately 610,000 people experience their fisrt stroke. Stroke is the third lleading cause of death for both men and women. High survival rates make this coverage very valuable. People who have a history of heart disease/stroke in their family. Issue ages 18-99. FLEXIBLE CHOICE. Benefit amounts $10,000 - $30,000 and always sell the recurrence rider. Return of Premium, Cancer, and other riders also available. Cigna Whole Life/ Final Expense Pays lump sum benefit to beneficiary. People who have no Life insurance and desire to cover the cost of burial expenses, or people who want to supplement their existing life insurance. Issue ages 50-85. Death Benefits $2,000 to $25,000 based on need and budget. Cigna Medicare Supplement Provides Supplemental Benefits to Medicare. People who are currently covered by Medicare Plan options based on budget.
Transcript of Carrier Product Why Purchase Who is Interested? Popular ... … · Who is Interested? Popular...
CarrierAllyHealth
ProductTelemedicine
Why PurchaseNO COPAY, UNLIMITED Physician Consultations via Phone or Video. MD Live chassis. Physician can call prescription in to the pharmacy of your choice.
Who is Interested? Popular Bene�t Plan
American Modern
Ameritas
Ameritas
Pet Health Insurance
Covers the cost for many types of services for your cat and dog.
CONVENIENCE. All you needis a cell phone. People with no health insurance, HSA's, high-deductible health plans, young children, plans with high physician o�ce co-pays. Issue ages 18+.
$100/year for the entire family. Includes Rx Discount Program and Medical Fee Negotiation services.
People with Cats and Dogs Various co-pays, deductibles andmaximums depending on budget. Available in OH, IN, KY.
Primestar Dental
Good dental hygiene is very important to the overall health of an individual. Ameritas PPO network. Every day e�ective dates.
People who do not have access to Dental bene�ts through an employer. Retirees. Issue ages 18+.
Primestar Advantage Plis II. Ameritas PPO Network. $2000 Annual Max. No waiting periods. Child Ortho. Out-of-Network = MAC
Spirit Dental Good dental hygiene is very important to the overall health of an individual. Ameritas PPO network. Every day e�ective dates.
People who do not have access to Dental bene�ts through an employer. Retirees. Issue ages 18+.
Ameritas PPO network. $5000 Annual Max. No waiting periods. Implants and Child Ortho included. 3 cleanings/year. Out-of-network reimbursement = 90th or MAC
Ameritas Vision If an individual wears prescription glasses, and have an annual exam and buy lenses/and or frames, or wear contact lenses, you will likely get all your premium back in bene�ts and provider discounts.
People who wear presciption eyeglasses. Retirees. Issue ages 18+.
Desired provider usually dictates the plan selection. VSP has $10 exam Co-Pay. 12/12/12 with $150 allowance for frames or contacts. Eyemed has $25 exam Co-Pay, 12/12/24 with $130 allowance for frames or contacts.
Ameritas Direct VisionIf an individual wears prescription glasses, and have an annual exam and buy lenses/and or frames, or wear contact lenses, you will likely get all your premium back in bene�ts and provider discounts.
People who wear presciption eyeglasses. Retirees. Issue ages 18+.
Select from 2 di�erent plan designs from both VSP and EyeMed, Desired provider usually dictates the plan selection. $15 exam tCo-Pay. 12/12/12 or 12/24/24
Cigna AccidentPays Lump-sum direct to policyholder based on type of accident.
Physically active adults and children. Issue ages 18-74. Guaranteed renewable to age 80.
BASIC or PLUS depending on the amount of reimbursement desired. Plans cover wide range of accidents. Heart attack, Cancer and other rides available.
Cigna CancerMen: slightly less than 1 in 2. Women: little more than 1 in 3. Everyone knows someone close to them that could have bene�tted from owning a Cancer Policy. High survival rates. Pays for every day expenses while completing treatment. High survival rates and recurrence make this coverage very valuable.
People who have a history of cancer in their family. Issue ages 18-99.
FLEXIBLE CHOICE. Bene�t amounts $10,000 - $30,000 and always sellthe recurrence rider. Return of Premium, Heart/Stroke, and other riders also available. Children have same bene�t as parents.
Cigna Critical Illness
7.9 million living Americans have su�ered a heart attack. Each year, approximately 610,000 people experience their �srt stroke. Stroke is the third lleading cause of death for both men and women. High survival rates make this coverage very valuable.
People who have a history of heart disease/stroke in their family. Issue ages 18-99.
FLEXIBLE CHOICE. Bene�t amounts $10,000 - $30,000 and always sell the recurrence rider. Return of Premium, Cancer, and other riders also available.
Cigna Whole Life/Final Expense
Pays lump sum bene�t to bene�ciary.People who have no Life insurance and desire to cover the cost of burial expenses, or people who want to supplement their existing life insurance. Issue ages 50-85.
Death Bene�ts $2,000 to $25,000 based on need and budget.
Cigna Medicare Supplement
Provides Supplemental Bene�ts to Medicare.People who are currently covered by Medicare Plan options based on budget.
Carrier Product Why Purchase Who is Interested? Popular Bene�t PlanDental Care Plus (OH, IN, KY)
Dental Good dental hygiene is very important to the overall health of an individual. Dental Care Plus Group o�ers both HMO (limited counties) and PPO Plan designs. Vision discount plan included.
People who do not have access to Dental bene�ts through an employer. Retirees. Issue ages 18+.
HMO available to Ohio residents of Butler, Clermont, Hamilton & Warren counties. Up to $2,000 annual max. PPO has up to $1,500 annual max. Waiting Periods: Basic Services 6 months. Major 12 month wait. Out-of-network reimbursement = MAC
IHC Group Short-Term Medical
Temporary health insurance. Unisured, Unemployed, self-employed, of people that need an a�ordable health insurance product. Issue ages 18-64.
Various physician o�ce co-pays, deductibles and Coinsuance depending on budget. Coverage avaulable from 30-90 days.
IHC Group Care Access Fixed-bene�t Indemity plan with hospital, surgical, and critical illness bene�ts
People with High-Deductible health plans. Issue ages 18 to 64 1/2. Three levels depending on budget: Economy, Value, and Superior.
IHC Group Metal Gap 2 Accident bene�ts up to the selected maximum amount or actual expense you incur. Critical Illness based on plan option chosen.
People with High-Deductible Health Plans. Issue ages 18 to 64. Child-only plan ages 2-18.
Four levels of Coverage depending on one's budget: MG35, MG65, MG35S, MG65S.
Illinois Mutual Income ProtectionEVERYONE should have Income Protection! Protect your income, not just your house, car and life.
Middle-income Americans. Target Farmers, Contractors. Income levels less than $100,000/yr. Issue ages 18-60.
Annual cost average 1-2% of Income protected. MUG Concept: Buy enough protection to pay for your Mortgage. Utilities, and Groceries.
Illinois Mutual Path Protector Whole Life
Pays lump sum bene�t to bene�ciary. People who desire to the cost of burial expenses, help replace cost of lost income, pay of a mortgage, and/or transfer wealth or leave and inheritance. Issue ages 0-85.
Path Protector Whole Life Non-Medical Limits up to $250,000 through age 65.
Illinois Mutual Path Protector Final Expense
Pays lump sum bene�t to bene�ciary. People who have no Life insurance and desire to cover the cost of burial expenses, or people who want to supplement their existing life insurance. Issue ages 66-85.
Simpli�ed Underwriting. Path Protector Final Expense Level and Modi�ed Death Bene�ts available.
LegalShield IDShield Protect your IDENTITY. Equifax hacked. 143 million people impacted.
People who desire to protect and restore their identity in the event it is compromised. Unlimited counseling with licesed investigator. $5 million service guarantee. Issue ages 18+
$9.95/month covers 1 adult. Compares favorably to Lifelock.
LegalShield Prepaid Legal Services
People who recognize the value of prepaying for attorney services vs. seeking the service of a private attorney.
Tra�c tickets. Contract interpretation, lawsuits. Issue ages 18+. Attorneys's average cost in metropolitan areas ranges from $200-$500/hr. Cost of LegalShield for entre year is about the cost for one hour of private attorney.
Principal IncomeProtection
EVERYONE should have Income Protection! Protect your income, not just your house, car and life.
Professional market. Income levels greater than $100,000/year. Issue ages 18-60.
Annual cost average 1-2% of Income protected. MUG Concept: Buy enough protection to pay for your Mortgage. Utilities, and Groceries.
Tokio Marine International Travel: Atlas Travel
Plans provide coverage for important bene�ts such as inpatinet hospitalization, accidental injury, mental health, organized sports activities, emergency medical evacuation and repatriation of remains.
U.S. Citizens and those traveling to U.S. that are traveling outside their home country. Issue ages 14 days +.
Choice of DAILY premiums based on deductible and Maximum Plan Limit.
Tokio Marine International Travel: Atlas Group
Plans provide coverage for important bene�ts such as inpatinet hospitalization, accidental injury, mental health, organized sports’ activities, emergency medical evacuation and repatriation of remains.
U.S. Citizens and those traveling to U.S. that are traveling outside their home country as a group. Issue ages 14 days +.
Atlas Travel for those traveling in a group between 5 and 24 people, 10% discount. 25+ o�ers 15% discount.
Tokio Marine International Travel: Atlas MultiTrip
Supplemental insurance to inividuals who maintain domesticinsurace in their home country.
Annual travel plan for those that take multiple trips between 30-45 days in a year. Available to both U.S. and those traveling to U.S. Issue ages 14 to 75 years of age.
$250 Deductoble which begins anew each time a member departs on a trip. $1 million oevarll maximum limit for the annual certi�cate period. Coverage for Pre-Existing conditions are limited.
Tokio Marine International Travel: Student Secure
Plans provide coverage for important bene�ts such as inpatinet hospitalization, accidental injury, mental health, organized sports activities, emergency medical evacuation and repatriation of remains.
International students and scholars who are full-time students at a college , university, or secondary school, excluding online colleges. Issue ages under 18 to 64.
Four levels of Coverage depending on one's budget: Elite, Select, Budget, Smart. Pre-Existing condition limitation varies based on plan purchased. Monthly premiums with the ability to extend and renew up to 4 years.
