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