Health Access Plans

The Right Plans for Difficult Times

Health Access Plans

The Right Plans for Difficult Times

Assurant Affordable Health AccessAssurant Affordable Health Access• Health Access limited-benefit

plans

• Solution for rising cost of health care

• Solutions for the uninsured

• Health Access limited-benefit plans

• Solution for rising cost of health care

• Solutions for the uninsured

Health Access PlansHealth Access Plans• Based on consumer research, covers

what is important to employees– Doctor office visits and prescription

drugs– Preventive care and immunizations

• Network discounts

• Affordable

• Portable

• No benefit waiting periods

• Optional benefits such as Dental-Vision Discount Plan, Dental Insurance and Cancer Benefit

• Based on consumer research, covers what is important to employees– Doctor office visits and prescription

drugs– Preventive care and immunizations

• Network discounts

• Affordable

• Portable

• No benefit waiting periods

• Optional benefits such as Dental-Vision Discount Plan, Dental Insurance and Cancer Benefit

Assurant Affordable Health AccessAssurant Affordable Health Access• Launched mid 2008, currently

available in 17 states• Use for gapping high deductibles• Over 90% placement rate• Retention high, consumers find

value

• Launched mid 2008, currently available in 17 states

• Use for gapping high deductibles• Over 90% placement rate• Retention high, consumers find

value

23%

16%62%Plan C Plan

B

Plan A

Health Access Plans – Early ResultsHealth Access Plans – Early Results

Sales to date:Sales to date:Sales to date:Sales to date:

Health Access Plans – Early ResultsHealth Access Plans – Early Results

Sales by Age Group

3%

20% 19%24%

34%

0%5%

10%15%20%25%30%35%40%

0-17 18-29 30-40 41-50 51-63

Age

Sal

es

Sales Velocity Trend Sales Velocity Trend

Health Access Plan Trendlines Since Inception in IL, FL & TX*

0

5

10

15

20

25

30

35

1 2 3 4 5 6 7 8 9

Week Since Inception

Week S

ince In

cep

tio

n

Linear (IL)

Linear (FL)

Linear (TX)

Overall Access sales represent 5% of total IM

Access in FLA. 15% of total IM sales

Health Access PlansHealth Access Plans

• Available in

–AL, AR, AZ, FL, IA, IL, IN, MI, MO, MS, OH, OK, PA, SC, TN, TX, WI, WV, WY

• Evaluating Risk– MIB What’s Coming:

•EASE automated submission – targeted May 16, 2009

• Available in

–AL, AR, AZ, FL, IA, IL, IN, MI, MO, MS, OH, OK, PA, SC, TN, TX, WI, WV, WY

• Evaluating Risk– MIB What’s Coming:

•EASE automated submission – targeted May 16, 2009

Limited-Benefit Product OverviewLimited-Benefit Product OverviewThree limited-benefit plans:

• Health Access Plan A – No medical questions

• Health Access Plans B or C – Limited medical questions

Limited-benefit plans provide:• An affordable option compared to

major medical plans• Coverage for certain services up to a

set dollar amount • Calendar year maximums

Three limited-benefit plans:• Health Access Plan A

– No medical questions• Health Access Plans B or C

– Limited medical questions

Limited-benefit plans provide:• An affordable option compared to

major medical plans• Coverage for certain services up to a

set dollar amount • Calendar year maximums

Health Access Plan A OverviewHealth Access Plan A Overview

• No medical questions• Eligibility rules apply

—Applicants through age 63 are eligible—Not employer-sponsored—Health Advocates Alliance Membership (some

states)

• Benefits for every day needs• Easy to apply for:

—No underwriting—No pre-existing condition limitations—No ratings—No special exception riders—No condition-specific deductibles—No modified benefit endorsements

• No medical questions• Eligibility rules apply

—Applicants through age 63 are eligible—Not employer-sponsored—Health Advocates Alliance Membership (some

states)

• Benefits for every day needs• Easy to apply for:

—No underwriting—No pre-existing condition limitations—No ratings—No special exception riders—No condition-specific deductibles—No modified benefit endorsements

Health Access Plan A Health Access Plan A

Doctor Office VisitsClient pays copay and the plan pays 100% of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots.

•$25 (Primary Care and Retail Health Clinic)•$35 (Specialist)•Limit 4 office visits•Plan pays $150 max per office visit•No deductible or coinsurance

Prescription DrugClient pays copay and plan pays 100% up to a maximum of $750 per calendar year

•$10/$50 (Generic/Brand)•Plan pays up to $750 max per calendar

year•No deductible or coinsurance

Outpatient Diagnostic Imaging and Laboratory Services

•Plan pays up to $250 benefit for x-ray and lab only

•No deductible or coinsurance

Surgical Services

•Must be performed during an office visit•Plan pays $250 max per calendar year•No deductible or coinsurance

Health Access Plans B or C Product OverviewHealth Access Plans B or C Product Overview• Limited medical questions

• Applicants through age 63 are eligible

• Inpatient, outpatient and prescription drug benefits

• Easy to apply for:—Accept/Reject application—No ratings—No special exception riders—No condition-specific deductibles—No modified benefit endorsements

• Limited medical questions• Applicants through age 63 are

eligible • Inpatient, outpatient and

prescription drug benefits• Easy to apply for:

—Accept/Reject application—No ratings—No special exception riders—No condition-specific deductibles—No modified benefit endorsements

Health Access Plans B or CHealth Access Plans B or C

Plan B Plan CDoctor Office VisitsClient pays copay and the plan pays 100% of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots.

•$25 (Primary Care, Specialist, and Retail Health Clinic)•Limit 4 office visits•Plan pays $150 max per office visit•No deductible or coinsurance

Prescription DrugsClient pays copay and plan pays 100% up to a maximum of $250 or $750 per calendar year

•$10/$50/$75 (Generic/Preferred Brand/Non-Preferred Brand)•Plan pays up to $250

in benefits per calendar year•No deductible or

coinsurance

•$10/$50/$75(Generic/Preferred Brand/Non-Preferred Brand)•Plan pays up to $750 in

benefits per calendar year •No deductible or

coinsurance

Outpatient Medical ServicesIncludes outpatient hospital, surgical center or urgent care facility and diagnostic imaging and laboratory services, chemotherapy, and radiation performed during an office visit or as outpatient.

•$200 deductible•80%/ 20% coinsurance

up to $500 in benefits per calendar year

•$200 deductible•80%/20% coinsurance

up to $1,000 in benefits

per calendar year

Health Access Plans B or CHealth Access Plans B or C

Plan B Plan CSurgical Services •Inpatient and Outpatient

•Up to scheduled benefit amount

•Up to $100,000 in benefits per calendar year (based on schedule)

•No deductible or coinsurance

•Inpatient and Outpatient•Up to scheduled benefit amount•Up to $200,000 in benefits per

calendar year (based on schedule)•No deductible or coinsurance

Assistant Surgeon Up to 20% of amount paid for surgery

Anesthesiologist Up to 20% of amount paid for surgery

Ambulance (Ground/Air)

Up to $100 ground/$1,000 air – per trip, up to two trips per calendar year

Emergency Room •Up to $250 in benefits for each of two visits per calendar year

•$100 emergency room fee•Fee waived if admitted•No deductible or coinsurance

•Up to $750 in benefits for each of two visits per calendar year

•$100 emergency room fee•Fee waived if admitted•No deductible or coinsurance

Health Access Plans B or CHealth Access Plans B or C

Plan B Plan CInpatient Benefit Facility Charges

•Up to $750 in benefits per day for sickness

•Up to $1,000 in benefits per day for injury

•80%/20% coinsurance up to $100,000 in benefits per calendar year

•No deductible

•Up to $2,000 in benefits per day for sickness

•Up to $4,000 in benefits per day for injury

•80%/20% coinsurance up to $200,000 in benefits per calendar year

•No deductible

Other Non-surgical/Non-facility Inpatient Services

•Considered under the inpatient per day maximum•Coinsurance applies•No deductible

Life Insurance •Up to $10,000 benefit included for primary

Network and DiscountsNetwork and Discounts

• The Health Access plans are not PPO plans

• Passive discounts through MultiPlan– www.MultiPlan.com/assurant

• Choice of doctors and hospitals• No out-of-network fees• LabCard Select (LabOne) offers

discounts on covered outpatient laboratory services– www.LabCardSelect.com

• Additional Discount Opportunities – www.assuranthealth.com/corp/ah/

customers/findancillary provider

• The Health Access plans are not PPO plans

• Passive discounts through MultiPlan– www.MultiPlan.com/assurant

• Choice of doctors and hospitals• No out-of-network fees• LabCard Select (LabOne) offers

discounts on covered outpatient laboratory services– www.LabCardSelect.com

• Additional Discount Opportunities – www.assuranthealth.com/corp/ah/

customers/findancillary provider

RatesRates• Simplified rating

– Not gender rated– Not area rated– Not rated for risk class– No smoker status– Has 5 very broad age bands– Based on age of primary applicant

• Examples of Monthly Rates– Plan A: 28-year-old woman w/ one child –

$74– Plan B: 40-year-old husband and wife –

$194– Plan C: 30-year-old single man – $104

• Simplified rating– Not gender rated– Not area rated– Not rated for risk class– No smoker status– Has 5 very broad age bands– Based on age of primary applicant

• Examples of Monthly Rates– Plan A: 28-year-old woman w/ one child –

$74– Plan B: 40-year-old husband and wife –

$194– Plan C: 30-year-old single man – $104

Assurant Affordable Health AccessAssurant Affordable Health Access• Get engaged• Be aware of opportunities• Use to recruit

• Get engaged• Be aware of opportunities• Use to recruit