Dental, Vision & Hearing Insurance

Today’s Topics Who is Medico?

Overview of the Medico Information Center (MIC) Website

Overview of the Dental, Vision & Hearing (DVH) Product

How to generate a link & begin selling the DVH online

Who Is Medico?

Medico Insurance Company began operations in 1930, right here in Omaha, Nebraska. We offer

quality health and life insurance products to Americans nationwide.

Today, Medico Insurance Company continues a proud tradition of service to our customers.

The Medico Way The way insurance should be

Our Client Services Department includes Claims Policyholder Services

Turn around time for claims processing is 7-10 working days 95% of all claims are handled electronically. 99.9% accuracy on Claims Handling

Our Agent Services Department is available to answer any questions you may have Turn around time on contracting paperwork is 7-10 business days

Our Underwriting staff is experienced with over 100 years of combined underwriting service Application turnaround time – 7-10 business days

Phone Numbers

Client Services

• 1-800-228-6080

Agent Services

• 1-800-547-2401

Underwriting Hotline

• 1-800-626-2068

Our Agent Website – The Medico Information Center (MIC)

Upload New BusinessApplication StatusRate QuotingCommission StatementsApproved Products and FormsPre-Approved AdvertisementsSupplieshttps://mic.gomedico.com

Commission Statements Page

Approved Advertising is Available

• Agent or Consumer – can be customized

• Agent Recruiting Pieces

• Print Ads & Electronic Ads

• Stuffers

Medico’s Suite of Products

Medicare Supplement Dental, Vision & Hearing First Diagnosis Cancer Recovery Care Platinum Hospital Indemnity Final Expense Whole Life

Dental, Vision & HearingInsurance

MONTANA

WYOMING

IDAHO

WASHINGTON

OREGON

NEVADA

UTAH

CALIFORNIA

ARIZONA

NORTH DAKOTA

SOUTH DAKOTA

NEBRASKA

COLORADO

NEW MEXICO

TEXAS

OKLAHOMA

KANSAS

ARKANSAS

LOUISIANA

MISSOURI

IOWA

MINNESOTA

WISCONSIN

ILLINOISINDIANA

KENTUCKY

TENNESSEE

MISS

ALABAMAGEORGIA

FLORIDA

SOUTHCAROLINA

NORTH CAROLINA

VIRGINIA

WV

OHIO

MICHIGANNEW YORK

PENN

MARYLAND

DELAWARE

NEWJERSEY

CONNRI

MASS

MAINE

VT

NH

ALASKA

HAWAII

Dental, Vision & Hearing – 41 StatesDental, Vision & Hearing – 41 States

May, 2011

Product Approved in State

Sales & Marketing Highlights

No Network – Travels Well Low Rates High Persistency Rate:

Over 80% keep their policies Our coverage goes up each year: 60% year one, 70% year two,

80% year three and thereafter; this helps keep persistency up Covers what Medicare does not cover High demand for dental coverage in the marketplace Pays in addition to any other coverage, no network Available in 41 states Online Application available through MIC (in most states)

Policy Benefits Deductible - $100 Policy Year Deductible.

Maximum Benefit – The applicant can choose between a $1,000 or a $1,500 Policy Year Maximum at the time of application. (Florida, Arizona & North Carolina also offer a $2,000 benefit.)

Benefits – After the $100 Policy Year Deductible is satisfied, the policy pays the following percentages of Reasonable and Customary Charges for Covered Expenses up to the $1,000 or $1,500 Policy Year Maximum: 60% - First Policy Year 70% - Second Policy Year 80% - Third Policy Year and Thereafter

In addition to the benefits listed above – After the policy has been in force three months, the policy will pay 100% of the cost of one dental cleaning up to a Maximum Benefit of $50 each Policy Year. This benefit is not subject to the deductible; however, it is included in the $1,000 or $1,500 Policy Year Maximum.

Waiting Periods Benefits will not be payable for the following during the first three

months following the Policy Date.1. Dental Cleanings

Benefits will not be payable for the following items and/or services during the first six months following the Policy Date.

1. Root Canals; or2. Existing eyeglasses or contact lenses (including the renewal or changing of

prescriptions).

Benefits will not be payable for the following items and/or services during the first Policy Year:

1. Bridges, Crowns, Full Dentures or Partials, any work relating to replacement of natural teeth which were missing at the time coverage becomes effective, “full mouth” extractions or fluoride treatments;

2. Hearing aids; or3. Outpatient dental surgery.

Who is Eligible for Coverage?

Coverage is available for anyone 18-84 Coverage not available for under 18 Perfect for college students

Eligible for the household discount even if they are away at

school!

What is Covered Day One?

X-rays Examinations Fillings Extractions

Premium ScheduleMonthly - Automatic Bank Withdrawal With Household Discount

Issue Age $1,000 Max $1,500 Max $1,000 Max $1,500 Max

18-39 $23.00 $31.05 $20.70 $27.95

40-59 $26.00 $35.10 $23.40 $31.59

60-74 $29.00 $39.15 $26.10 $35.24

75-79 $30.00 $40.50 $27.00 $36.45

80-84 $32.00 $43.20 $28.80 $38.88

*Special considerations in OH & FL – no household discount; and SD – family discount only.

The above rates are control rates and include the following states: AK, AL, AR, DC, GA, HI, ID, IL, KS, LA, MO, MS, ND, NE, NM, OK, PA, RI, SC, TX, WI, WV, WY. Use Rate Guide RGA18 or RGA18-3 in these states. Other states have different loss ratios and different rates. See specific rate guides on MIC.gomedico.com.

DVH Claims Process

We’ll take any claim form We’ll take an itemized bill We’ll pay either the provider or the

insured. Turnaround time is 7-10 days, many times

sooner, depending on volume.

Additional Information Guaranteed Renewable

Individually Issued -Medico will list bill for 3 or more

Premium Modes – Automatic Bank Withdrawal – Monthly & Quarterly Direct Bill – Annual, Semi-Annual and Quarterly We do not accept credit cards or debit cards at this time

Initial Premium – The initial premium can be drafted from the insured’s checking account. Note: The premium will be drafted the same day that the policy is issued. Please leave form MI9F-4400 with the applicant and recommend that they deduct the initial premium from their account register at application time to avoid unnecessary bank fees later.

Reasonable & Customary Charge – “The normal and prevailing charge, fee or expense for the service rendered or for the material furnished in the geographic area where rendered or furnished.”

The policy pays a percent (60%, 70% or 80%, depending on how long the policy has been in force) of the actual charges, not to exceed Reasonable and Customary Charges for Covered Expenses up to the Policy Year Maximum Benefit.

Sell This Product Online

Selling the DVH online is a fast, simple way to increase your sales, and getting started couldn’t be easier!

• First, login to MIC using First, login to MIC using your user name and your user name and password.password.

• If you do not have a user If you do not have a user name and password, name and password, contact agent services at contact agent services at 1.800.547.24011.800.547.2401

• Highlight the “Product Info” tab Highlight the “Product Info” tab and click on “Products”and click on “Products”

• Find the state you would Find the state you would like to work in, and click like to work in, and click “On-line Appl.”“On-line Appl.”

• This box will pop-up, prompting you to This box will pop-up, prompting you to enter your 5 digit writing number. Once you enter your 5 digit writing number. Once you enter the number and click “GO”, MIC will enter the number and click “GO”, MIC will automatically generate your unique DVH automatically generate your unique DVH application link.application link.

• Your 5 digit writing numberYour 5 digit writing number

Your NameYour Name

• Your Unique Writing LinkYour Unique Writing Link

• From here you (or the From here you (or the applicant) can click on any state applicant) can click on any state you’re licensed in to begin an you’re licensed in to begin an application, or view the application, or view the brochure for the product.brochure for the product.

Ok, I Have My Link. Now What?

Send the link to your current clients This is an easy way to make a quick sale and build a long-term

business relationship Post the link on your website

If you direct prospective clients to your website, why not make the application process simple for them?

E-mail the link to prospective clients Get your foot in the door! E-mail the link to the prospective

client and let them look over the application and brochure. If they apply, we’ll send you a confirmation e-mail to let you

know. Save it to your desktop or add it to your favorites

If you do most of your business face-to-face, the application is just a click away. No more paper!

2011 Sales MarathonEarn $7,500 cash bonus or more!

How can you earn extra cash this year?

Have issued & in-force $125,000 in premium during 2011

Any premium amount issued & in-force over $125,000 will generate an additional 4% reward, without limit.

80% of business must be underwritten (DVH and Cancer will be considered underwritten.)

* Remember, this is in addition to the already great commissions that you are earning!

Thank you for taking the time to learn more aboutMedico Insurance Company

and our products.

For more information contact Kerri at1-800-544-8250 ext. 120