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Health Access Plans The Right Plans for Difficult Times

Assurant Affordable Health Access offers limited-benefit plans for rising healthcare costs and the uninsured. Based on consumer research, it covers important aspects such as doctor visits, prescription drugs, preventive care, and network discounts. It is affordable, portable, with no waiting periods. Optional benefits like Dental-Vision Discount Plan, Dental Insurance, and Cancer Benefit are also available.

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Health Access Plans The Right Plans for Difficult Times

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  1. Health Access PlansThe Right Plans for Difficult Times April 2009

  2. Assurant Affordable Health Access • Health Access limited-benefit plans • Solution for rising cost of health care • Solutions for the uninsured

  3. Health 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

  4. Assurant 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

  5. Plan A Plan C Plan B Health Access Plans – Early Results Sales to date:

  6. Health Access Plans – Early Results

  7. Sales Velocity Trend Access in FLA. 15% of total IM sales Overall Access sales represent 5% of total IM

  8. Health 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

  9. Limited-Benefit Product Overview 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

  10. Health 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

  11. Health Access Plan A

  12. Health 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

  13. Health Access Plans B or C

  14. Health Access Plans B or C

  15. Health Access Plans B or C

  16. Network 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

  17. Rates • 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

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

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