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Assured Access Protecting Tomorrow’s Insurability Today

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Group vs. Personal Health Plans

• Who chooses the plan design?• Who pays the premiums?• Are medical questions required?• Who owns the contract?

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Why is Access to a Personal Health Plan so Important?• You can lose group benefits at any time• Provincial health programs will not cover all your

needs• Important to access coverage while you’re healthy

– Once sick, you may not qualify for the coverage you need

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Important Questions for People With Group Health Benefits…

1. Will you qualify for a personal health plan if you change jobs and lose your group health benefit?

2. Will you qualify for a comprehensive and affordable health plan when you retire?

3. Should you go on Long Term Disability, will your health plan stay in effect?

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Important Questions for People With Group Health Benefits…

4. Will your dependents be eligible for a health plan when they are no longer covered by your group plan?

5. How would you cover the cost of an unexpected illness without a health plan?

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Do you Know Anyone...

…with one of the following conditions:• Cancer• Heart disease• Diabetes• Asthma • Cholesterol• High blood pressure

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Cost of Illnesses

Conditions Annual Drug CostsPulmonary hypertension $ 47,000

Rheumatoid arthritis $ 27,000

Cancer $ 43,500

Psoriasis $ 36,000

Crohn’s disease $ 31,805

Osteoporosis $ 14,000

Asthma $ 2,000

Diabetes (supplies & insulin)Insulin pump

$ 1,400$ 7,000

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What is Assured Access?

• Provides access to an affordable comprehensive individual health plan if and when you lose group health benefits

• Your coverage will be based on your health today!

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Assured Access Benefits - AD&D

• Participants covered under Assured Access have additional security of $10,000 Accidental Death and Dismemberment benefit

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Assured Access Eligibility

• Covered under a group health benefit plan• Have been covered for a minimum of 12 months• Aged 64 or under• Resident of Atlantic Canada• Qualify medically

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Assured Access Benefits - Children

• Dependent children can enroll in their own personal health plan without requiring additional medical underwriting

• If they are employed with a company that offers group benefits, they can continue on with their own Assured Access plan

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• Must have lost group health benefits• Call us to activate your health plan within 60 days of

losing group health benefits • One easy call away: 1-800-667-4511

How to Activate the Individual Health Plan

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Assured Access Monthly Selling Rates

Small price to pay for the security and peace of mind the plan offers…

Age Single Couple Family16-29 $ 18.83 $ 28.25 $ 33.63

30-44 $ 18.83 $ 28.25 $ 33.63

45-54 $ 21.53 $ 30.93 $ 36.33

55-64 $ 24.22 $ 33.63 $ 39.00

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Activate apersonal health plan that really is… personal

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Mix and Match Your Plan

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Benefits for Today’s Lifestyle

• Massage, naturopath, acupuncture, dietician• Financial and legal counselling and a self-help website• Vision care• 30-day travel coverage• Hospital and critical illness• No overall maximum on drugs• Maximum co-pay amount of $50 per prescription• Major dental and orthodontics for children

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The Best Plans can Adapt and Change

Responsive - adapt your plan when your life changes

Members can upgrade benefits without medical qualification on life events:• Adding a spouse• Adding a child• Departing dependent

PlusLong-term security for dependents

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And There’s More…

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Our Shareholder? The Community.

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Thank you!