AHCP & Health AHCP & Health Insurance Insurance Innovations Innovations

Med Plus STMMed Plus STM Health Essential LM Health Essential LM Training Training

Who is the Carrier – Who is the Carrier – Short Short Term MedicalTerm Medical

Starr Indemnity & Liability Insurance Company

In business since 1919Offering property & casualty,

stop loss and health insurance products

Licensed in all statesRated A (excellent) by A.M. Best

Who is the Carrier – Who is the Carrier – Limited Medical Limited Medical United States Fire Insurance

CompanyDivision of Crum & Forster$1Billion in capitalFounded in 1896Main lines – property & casualtyNationally licensedRated A (excellent) by A.M. Best

Who is Health Insurance Who is Health Insurance Innovations?Innovations?

TPA & MGU based in Tampa, FLProvides online solutions for niche

markets, specializing in STM3rd generation of niche marketingExclusive distributor for Med Plus

Starr STM Exclusive distributor for Essential

Health LM by US Fire

The Uninsured Market The Uninsured Market The NumbersThe Numbers9 Million unemployed22 Million Part-time & Seasonal

Employees5 million Graduates 2.5 Million in a Waiting Period900,000 Divorces.3 Million military dischargeesGrowing number of non-US

citizens who need health insurance

50% of individuals who seek individual medical are uninsured

Short Term Medical Short Term Medical MarketsMarkets Those who want more coverage than a discount plan

or LM Cover individuals during IM underwriting period Those who find IM too expensive Those who have a questionable health history … may

be declined or ridered on a major medical Anyone who needs coverage immediately…while they

are shopping for something more permanent Employees working for employers who offer no health

benefits Individuals looking for an alternative to COBRA Employee’s dependents who do not qualify for group

coverage Self employed

Limited Medical Limited Medical MarketsMarketsCannot secure traditional health

insurance due to health conditions◦Declines

Want to supplement coverage customer already has◦High deds & out of pocket

Traditional insurance too expensiveNeed insurance coverage

immediately

STMSTM Product Product DescriptionDescription Individual Major Medical with durations from 30

days to 12 months at a time (varies by state) Unlimited reapplies in most states Lowest rates on the market $2 million per policy max per person Choice of deductibles: $250, $500, $1000,

$2500 & $5000 Coinsurance: 80/20 & 50/50 to $5,000 &

$10,000 Single & monthly payments (credit card, debit

card, check & ACH) Instant effective dates or up to 60 days forward

◦ 12:01 am the next day Accept or reject underwriting, on the spot

acceptance Use ANY doctor or hospital

◦ Beechstreet network to receive add’l discounts

STMSTM Product Product DescriptionDescriptionDoctor office & urgent care co-pay:

◦ 3 $50 co-pays per person per policy$25,000 worldwide benefit

◦ For claims that occur outside the US◦ Additional $250 deductible

Eligibility◦ Ages 2 thru 65◦ Dependents under age 19 or 25 if full time

student◦ No social security # is required (must be legal

resident of the US for the past 12 months)4 tier drug card included in product:

◦ Up to $10, $20, $50 flat rates for approx 7,000 drugs

◦ Others receive discount benefit up to 50%State availability: Available in 35 states,

approvals coming in weekly

Limited Med Limited Med Product Product DescriptionDescriptionGuaranteed issue – ages 18-65$1million lifetime max In-hospital daily indemnity – choice of

$500, $750, $1000 or $1500 per daySurgery, Anesthesia, lab, x-ray, wellness,

ER & ambulance benefitsDr. office visits – choice of $25, $50 or $75

per visit benefitDoctor office copay options ($30 and $20

per visit)$2,000 accidental injury benefit$10,000 ad&d benefitNon-US citizens can purchase

Limited Med Limited Med Product Product DescriptionDescription4 tier drug card included in product:

◦ Up to $10, $20, $50 flat rates for approx 7,000 drugs

◦ Others receive discount benefit up to 50%Waiting periods – none for accidents, 30

days for sicknessUse ANY doctor or hospital

◦ Beechstreet network to receive add’l discounts

Monthly payments – Credit or debit card, ACH

State availability: NOT in AK, CT, KS, MD, ME, VT, NY & NJ

Sales Process – Online Sales Process – Online ToolsToolsInsured’s experience

◦Ability to research the product, get a quote, apply online, get accepted on the spot. Coverage begins as early at 12:01am the next day. ID cards & fulfillment emailed immediately

Agent’s experience◦Back office to view business◦Email notification

Fulfillment Process – Fulfillment Process – STMSTM & & LMLMBoth products, coverage can begin

as early as 12:01 am the day after submission

Insured will receive online fulfillment within seconds from HII. This will include personalized ID cards & contract. Also, information on any associations and extra benefit packages. Email will come from support@hiiquote.com.

Follow up packet in US Mail from HII

How to Get StartedHow to Get StartedGo to www.ahcpsales.comGo to get application (licensing)Click on HII logo … lic ppwk Complete & return to AHCPReceive personalized online links

within 2 business days

MedSense AssociationMedSense Association

MedSense is a required association. In order to purchase both the STM & LM policy

MedSense provides many benefits:◦ Global Fit fitness program discounts (1,500 gyms)◦ Vitamin discounts◦ Car rental discounts – Alamo, Avis, Hertz &

National◦ Travel service discounts – on airfare, tours &

cruises◦ Cybermall – discounts at over 100 online stores◦ Emergency medical card – wallet size

MedSense not required in: AR, CO, ID, LA, MD, ME, MT, ND, NV, OR and SD

Thank you!Thank you!

Any Questions?