Targeting 5 to 100 life groups

1. Targeting 5 to 100 life groups Starmark’s Self-Funded products provide administration and stop-loss protection for small and mid-size businesses self-funded plans. http://www.starmarkinc.com/email/starmark/T500-227.html

2. How Starmark’s Self-Funded Programs Work http://www.starmarkinc.com/email/starmark/T500-227.html

3. Claims Pre-Fund Account When employees have claims, the covered claims are paid out of the claim pre-fund account. If claims are more than what is funded, the stop-loss insurance pays the balance. If claims are less than what is funded, the surplus will be returned either as an administrative fee credit or cash. http://www.starmarkinc.com/email/starmark/T500-227.html

4. Surplus Options • Cash Refund • Administration Fee Credits Examples Run-Out • 12/21 • 12/24 • 12/27 http://www.starmarkinc.com/email/starmark/T500-227.html

5. Initial Quote • Group Name • Zip-Code • SIC-Code • Census Census http://www.starmarkinc.com/email/starmark/T500-227.html

6. Benefit Summary • HSA Qualified Plans • HRA Administration • Networks • Deductibles • Co-Insurance • Out-of-pockets • Preventive Care • X-ray and Lab • High-Tech Imaging • Lab Card Program • Prescription Drug Card • YourCare • CareChampion 24/7 http://www.starmarkinc.com/email/starmark/T500-227.html

7. Contracts ID Card Plan Document/Summary Plan Description Certificate of Coverage http://www.starmarkinc.com/email/starmark/T500-227.html

8. Employer Application Employee Applications Sold Proposal Prior Carrier Bill Submission Process – Full Medical Underwriting • Paper Applications, or • Express Connect • Online, or • Telephone 800# Final Offer http://www.starmarkinc.com/email/starmark/T500-227.html

9. Pricing http://www.starmarkinc.com/email/starmark/T500-227.html

10. Self-Funded Breakdown Annual Aggregate Attachment Point – The overall claim liability of the employer during the contract period. All eligible claims in excess of this amount are paid by the Stop-Loss Insurance. Specific Deductible – Eligible claims for each covered person that are more than this amount during the contract period are paid by the Stop-Loss Insurance. http://www.starmarkinc.com/email/starmark/T500-227.html

11. Contracts Agreement for Plan Supervisor Stop Loss Contract http://www.starmarkinc.com/email/starmark/T500-227.html

12. Aggregate Account Statement Claims Payments Balance Deposit Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Surplus http://www.starmarkinc.com/email/starmark/T500-227.html

13. Claims Utilization Reports • Medical enrollment by Month • Summary by Patient Type • Summary by Service • Summary by Diagnostic Category • Prescription Drug Report Reports http://www.starmarkinc.com/email/starmark/T500-227.html

14. Broker Commissions • Commission percentage is based off the stop-loss premium • Can be adjusted up or down at new business and renewal http://www.starmarkinc.com/cps/rde/xchg/starmark/hs.xsl/MGA_LicensingCommissions.htm

15. Current Bonus Program http://www.starmarkinc.com/2013bonusprogram/index.html

16. What’s Next? • For Quotes & Personal Consultative Assistance, Contact HealthPlan Services’ Licensed Sales Team: • 800-545-6441 Medical | Dental | Vision | Life | Ancillary Group | Individual | Voluntary www.healthplan.com