Sales Pitch
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Transcript of Sales Pitch
Changing the way businesses compare, evaluate, rank, and buy
Health Insurance.
Version 1, 1/25/11Title: Health Insurance made easy- short
IntroductionIntroduction
Name of presenter/ date
Overview of the presentation
Carrier
• 400+ plans
• Constantly changing
• Increasing rates
Agent
• Lacks knowledge
• Lacks tools to perform a comprehensive analysis
Employer
• Often chooses health plan for employee
• Can’t compare apples to apples
• Takes 3 weeks with Excel
Employee
• Only one who knows the need
• Rarely considered
• Takes what company provides
Where there’s confusion,
there is insurance revenue
Difficulty recommending the right plan
$$ vs. benefit dilemma
One size does not fit all
Current Situation
Confusing
Complicated
Time-consuming
This makes choosing health insurance:
Subject to guesswork
Choice between costs and quality
Conflicting: costs and employee retention
People pay for health insurance in many ways:The premium, deductible, co-pay, co-insurance and max out of pocket.
Current Situation
Insurance companies have run the numbers and found what % of people have small and large average annual claims.
*Source: Watson Wyatt Worldwide
This shows that:92% of people have small, frequent medical expenses which usually have little or no coverage under most health insurance plans.
In other words, only 8% of people will use the full benefits of their insurance and these are people with major medical conditions.
68%
24%
8%
Average annual claims amount
$150 $1,200 $12,500
First unbiased comparative system for the health insurance industry. Based on innovative technology.
Independent mutual fund and stock analysis.
Independent comparisons of consumer products.
“When banks compete, you win”. Comparison of lenders.
SuperAgent discovered a need for an unbiased, analytic comparative system for the health insurance industry, just like in other industries:
The Opportunity
Measures and evaluates over 350 health plans from all the California insurance carriers
Ranks the most efficient carriers for every insured and calculates savings and values for you
Gives a best plan recommendation for each employee
Is customizable: set your budget, claim level and average maximum out-of-pocket
The Technology
SuperAgent makes over two million calculations in less than twenty seconds.
SuperAgent is designed to make health insurance easy.
Shows your annual savings per claim amount
Compare actual out-of-pocket expenses
See where to save on deductibles, premiums and benefits
Confidently select plans with the best ROI
Computes multiple scenarios to determine the best value carrier against your current plan
Saves MoneyWithout giving up benefits
Saves money Fast. Easy. Free. Empowering Personal
SuperAgent saves members an average of $1,116 per employee per year
All Small Group Health Insurance resources in one easy to access location
Easy to read comparison reports by carrier and health plan
Add members or employees to your group instantly
Graphical demonstrations to show which plans are the most efficient for each employee
Updates rates as soon as carriers publish them
Easy! Fast! Free!
Select your benefits and self-fund it
Saves money Easy! Fast! Free! Empowering Personalized
Make more informed decisions
Brings transparency to the insurance purchasing process
Gain knowledge about a topic which the day before you were not comfortable talking about.
Provides a lifelong purchasing strategy for employers taking all the costs of insurance into consideration
Empowering
Improve each plan incrementally: choose quality and reduce costs
Saves money Fast. Easy. Free. Empowering Personal
Make an informed and economical choice from all plans
Calculate their own cost levels and benefits to see the plan that best suits their needs and personal situation.
Compare monthly premiums, deductibles, maximum out-of-pocket and co-pays measuring each plan to the other.
Login with their own personal username and password
Personal
Set your own budget and let your employee:
Saves money Fast. Easy. Free. Empowering Personal
Would you like to:
Demonstration
We would like to show you a demonstration of the SuperAgent tool; see it for yourself.
See how effective your current coverage is?
Pick plans based on their quality AND value?
See how much money you can instantly save per employee?
Let your employees choose their best plan?
Let our free technology do independent calculations and best plan recommendations for you?
Quickly submit your census: without data entry
Allocate your budget: allocate your contribution level
Compare your carrier and plans against all others
SuperAgent Features
SuperAgent Features
Best plan recommendations per individual
Detailed quotes per individual
Enroll and manage your group health insurance online
E= EmployeeS=+SpouseC=+ChildrenF=+Family
• Analysis for each employee; •Current plan VS. other choices by claim level performance•Instantly shows annual savings•Graphics for ease of understanding
Green plans bestfor smaller claims
Blue Plans best for large claims
Monthly savings comparisons