HEALTH & DENTAL COVERAGE

F O R I N D I V I D U A L S

Presented by: Sadie MohajerSenior Consultant, Aon Hewitt Health and Benefits Practice

AGENDA

HEALTH ASSIST - TARGET MARKET

PRODUCT INFORMATION

WHY IS HEALTH ASSIST DIFFERENT?

THE SALES AND APPLICATION PROCESS

THE REFERRAL PROCESS FOR ADVISORS

For internal use only

Small businesses with less than 3 employees (97% of the total number of

business in Canada have less than 50 employees)

Independent Contractors

Seasonal Employees

Temporary or Part time workers

Self employed individuals

Retirees (5.6 M Canadians are over the age of 65 and this number will double to

10 M by 2036)

Surviving Spouses

Overage Dependents and Post Secondary graduates

PROSPECTS TO TARGET

For internal use only

THE PRODUCT

SIMPLE APPROACH

6 pre-packaged plans

Straightforward eligibility criteria

Affordable coverage

Tax advantages - Individual health plans are eligible medical expenses

under the Canadian Federal Income Tax Act

HEALTH ASSIST

For internal use only

SIMPLE PROCESS

PLANS 1,2 &3 Guarantee Acceptance

PLANS 4,5,6 & SEMI-PRIVATE Medical questionnaire only

OPTIONSApprove

Approve with exceptions

Decline (rare cases)

For internal use only

Canadian resident

Covered by provincial government health plan - designed to provide services

that supplement each province’s government health plan.

Single, couple/single parent, and family coverage

Applicant must be between the ages of 18 -74

No termination age

SIMPLE ELIGIBILITY CRITERIA

HEALTH ASSIST

For internal use only

 

Y N

Single, Couple & Family Coverage ü

No termination age* ü

No waiting period - even for dental ü

Pay Direct Drug Card ü

Plan Member Online Services ü

Vision network (discounts up to 30%!) ü

Out-of Province/Country Travel Coverage ü

Legal Assistance ü

Wellness Resource Library ü

Increasing maximums** ü

*MUST apply and be approved for coverage prior to age 75

** The longer your client remains on the plan, the better their coverage gets!

PLAN FEATURES

For internal use only

ACCESS TO LAWYERS TO GUIDE PLAN MEMBERS THROUGH:

Family law

Criminal law

Civil litigation

Landlord and tenant issues

Residential real estate transactions

Wills and estates

Services are unlimited, bilingual, and include local lawyer referrals at preferred rates

WHY IS HEALTH ASSIST DIFFERENT?

For internal use only

TOOL-KIT OF PERSONAL RESOURCES FOR:

Retirement transitioning

Health and well-being

Parenting and child care

Financial management

Stress management

Crisis ready programs

Career management

Addiction and recovery

Referrals to a network of community resources

WHY IS HEALTH ASSIST DIFFERENT?

For internal use only

SALES & APPLICATION

THE PROCESS

TWO OPTIONS FOR SALE

For internal use only

OPTION 1– DIRECT PURCHASE:

Go directly online to the HA link: www.healthassist.aon.ca

Review the product options available

Choose the appropriate option

Apply online

PLAN COMPARATOR

RATESHEET

APPLICATION

www.healthassist.aon.ca

PLAN INFO – QUOTE – APPLICATION ONLINE

For internal use only

Online claims submission

Claims history

Direct deposit

Benefit booklet

Confirmation of premium statements

Email us

SERVICE YOUR WAYPre-Sale Inquiries: healthassist@greenshield.ca or call 1.855.722.0472

Website: www.healthassist.aon.ca

For internal use only

TWO OPTIONS FOR SALE

For internal use only

OPTION 2 – REFER TO A CLIENT:

Forward a copy of the Referral Template to your prospect

Be sure to complete the Prospect information as well as your advisor code at the

bottom of the Referral Template

BCC the GSC email address: wfgaon@greenshield.ca so that they are able to

track your referrals

For internal use only

For internal use only

For Internal Use Only (By WFG Advisor)

Advisor Details Applicant Details

Code: WFG123 Email: gscclient@123.ca

Name: Joe Smith Name: John Do

Telephone Number: 416-123-4567 Telephone Number: 416-123-4567

License Type: A&S

What are you waiting for? APPLY NOW

Simple to understand—simple to apply for—simple to use. Click here to apply

for GSC Health Assist today!

REFERRAL PROCESS

For internal use only

Use the template provided by Aon for Referral

Fill in your information at the bottom of the template

Complete your client’s information at the bottom of the email

Forward the template to your client

Blind Carbon Copy the Green Shield Email provided so that Green Shield can

keep track of your referral at the time of sale

GSC email for referral: wfgaon@greenshield.ca

FREQUENTLY ASKED QUESTIONS

How do I apply?

You can apply online or submit a completed and signed paper application

Remember to send a VOID cheque if you are planning to pay via pre-authorized debit.

When will coverage take effect?All plans are effective on the first day of the month following approval. For plans that do not require medical underwriting, coverage will be effective on the first of the month following application processing.

For internal use only

How are premiums paid?Premiums are paid monthly either by pre-authorized debit or credit card. Your first payment covers the first two months of coverage and is due on your effective date.

So, for example, if your coverage is effective on March 1, premiums for March and April will be taken on March 1. Subsequent payments will be taken 30 days in advance of the month for which coverage is to be provided. Continuing with this example, premiums for May coverage will be taken on April 1.

What happens with the medical questionnaire?GSC will review the medical information provided, and may:

1. Approve full coverage, or2. Provide a counter offer, or3. In rare cases, decline coverage.

FREQUENTLY ASKED QUESTIONS

For internal use only

A counter offer may consist of one or more specific drug category exclusion(s) or a full drug exclusion for one or more covered person(s), due to pre-existing conditions. A letter outlining the terms of the counter offer will be sent and you will then have the option to either continue with the modified coverage or cancel your application.

What will l receive when coverage is approved?A Health Assist ZONE information kit will be mailed within 10 business days of approval. This includes a welcome letter, the Health Assist ZONE Benefit Plan Contract (which details your coverage), your new GSC Identification Cards and claiming information.

FREQUENTLY ASKED QUESTIONS

For internal use only

When can I make a claim?There is no waiting period so you can start claiming for medical and basic dental expenses that are incurred as of your effective date.

Can I change my coverage?You can upgrade your plan at any time, subject to medical underwriting if required. Requests to downgrade your plan will be accepted after you’ve been covered for one year on your current plan.

How do I terminate my coverage?You can terminate your coverage by providing GSC with written notice 10 business days prior to your next scheduled preauthorized payment, which is forty days.

FREQUENTLY ASKED QUESTIONS

For internal use only

QUESTIONS?

For internal use only