Welcome

1. Welcome

2. Assurant Health Access

3. Overview • The plans have been designed to meet the definition of hospital or other fixed indemnity benefit plans and these plans are exempt from reform and many other mandates. • The primary insured can be less than age 19. • A $25 non-refundable one-time processing fee is required for all applications - including declines, incompletes, and not takens.

4. Plan Names • Value • Access to network and prescription discounts • Benefits for two office visits each year • Benefits for preventive care and unexpected • illnesses and injuries • Fundamentals • Cash benefits for prescriptions • Two more office visits per year • Increased benefits for unexpected illnesses and injuries • Enhanced • Higher cash benefits for brand-name prescriptions • Higher cash benefits for each office visit • Higher level benefits for unexpected illnesses and injuries, especially for hospitalization and surgery

5. Eligibility Guidelines • Primary/spouse up to 64 years old. • Dependents up to age 26 and subject to eligibility criteria. Health Care Reform extension of dependent age to 26 does not apply. • Newborns: An application can be written for a newborn as of the date of birth; a two-week well baby exam is not required. • Domestic partners will be allowed in all states, except where not permitted by state.

6. Existing Coverage • Existing coverage, internal or external, does not have to be terminated prior to policy issue. However, a policyholder cannot have an active Assurant Health HSA plan and an active Assurant Health Access plan. • Issuing the Assurant Health Access plan in addition to the HSA plan impacts the HSA eligibility. • An existing AHA plan cannot be replaced with the same AHA plan. • If an applicant is requesting an AHA plan and they currently have (or previously had) the exact same plan, there must be a 12-month gap between the termination date of the prior policy and the effective date of the new policy.

7. Effective Date Rules: • The 1st and the 15th of the month are available as effective dates. The application sign date will determine the first available effective date. • Application sign dates of the 1st through the 15th of the month will receive the 1st of thefollowing month as the earliest available effective date. • An application with a sign date of the 16th through the 31st will receive the 15th of thefollowing month as the earliest available effective date. • The next 1st or 15th after the earliest effective date is also acceptable as long as the requested effective date is within 45 days of the application signature date. • We will not accept an application with a requested effective date more than 45 days in advance.

8. Underwriting Process: • Accept/Reject • Non-refundable $25 application processing fee. • Premium structure; still beneficial to make youngest adult the primary insured. • Look back period is 5 years of medical history. • No HIPAA referrals for declines. • Files missing agent or applicant requirements will be closed after 21 days.

9. Underwriting Process Cont… • The underwriter will use the same tools to investigate risk as they do with other products which includes: MIB, past claims review and Pharmacy Check. • Family applications will only be approved if all applicants are eligible, the file will be incomplete. All eligible applicants will be required to re-apply. • We will not accept requests to remove an applicant from a family application for any reason. If an applicant is requested to be removed from the application, the file must be withdrawn.

10. EASE Submissions • “Yes” or “No” responses will be required for each applicant on submission. • The eSignature Authorization will be required to electronically submit the AHA application. • At least one response of “Agree” for the UW Authorization will be required to electronically submit any AHA application. • Current & prior coverage info will be collected.

11. UW Authorization • Only one authorization from either the primary or spouse is required to electronically submit application. • Authorizations from both primary and spouse required to ISSUE plan. • All “Not Provided” responses will require follow up with the customer.

12. Medical Questions: • Pregnancy Question: Are you, your spouse or any person to be insured now pregnant, an expectant parent, in the process of adopting a child or undergoing infertility treatment? • The Underwriting rules regarding expectant parents are that female and male applicants are not eligible for coverage if they are currently: • Expecting a child. • In the process of adoption or surrogate pregnancy for coverage. • Additionally, applicants are not eligible if undergoing any type of infertility treatment. • Disability Question: Are you, your spouse or any person to be insured totally and permanently disabled and/or receiving long-term disability benefits?

13. Medical Questions (cont.) • Testing/TX Question: For any of the following conditions within the last 5 years, have you or any person to be insured received any abnormal test results or medical or surgical treatment, or consulted a health care professional, or taken medication for: • Heart disorder, excluding Mitral Valve Prolapse (MVP) or surgically corrected or closed Atrial Septal Defect (ASD)/Ventricular Septal Defect (VSD) • Stroke or Brain Aneurysm • Peripheral Vascular Disease (PVD) or Peripheral Arterial Disease (PAD) • Crohn’s Disease or Ulcerative Colitis • Liver disorders, excluding fully recovered Hepatitis A • Kidney Disorders, excluding kidney stones • Emphysema, Chronic Obstructive Pulmonary Disease (COPD), Fibrotic Lung Disease or Primary Pulmonary Hypertension • Diabetes, excluding Gestational Diabetes • Basal Cell Carcinoma with recommended surgery that has not been completed • Cancer or Tumor • Alcoholism, Alcohol or Chemical Dependency, or Drug or Alcohol Abuse • Acquired Immune Deficiency Syndrome (AIDS) or tested positive for Human Immunodeficiency Virus (HIV) • Multiple Sclerosis (MS) • Tuberculosis (TB) • Any condition that resulted in a surgery or procedure whose purpose is to promote weight-loss • Autism Spectrum Disorders, Autism, Asperger’s Disorder, Rett’s Syndrome, Pervasive Developmental Disorders or Pervasive Developmental Delay

14. Medical Questions for Access Fundamentals (cont.) • AIDS Question (some states): Have you, your spouse, or any person to be insured in the last 5 years tested positive for, or received surgical or medical treatment, or taken medication for the Human Immunodeficiency Virus (HIV) infection or been diagnosed as having, or received surgical or medical treatment, or taken medication for AIDS-related complex (ARC) or Acquired Immune Deficiency Syndrome (AIDS)? Disclosure of blood tests is limited to results of any Federal Drug Administration (FDA)-licensed blood tests for HIV. Information regarding any testing, including home test kits or testing performed at an anonymous counseling and testing site (designated as such by the state epidemiologist) need not be provided.

15. Assurant Health Access Take Aways… • Fixed Indemnity Plan. • Not subject to Health Care Reform. • Effective dates must be on the 1st or the 15th of the month. • A $25 non-refundable one-time processing fee is required for all applications - including declines, incompletes, and not takens. • The policy will not be issued if anyone answers yes to the medical questions on the application. • See EASE status page

16. Agent Tips: • Eligibility Review (agent prescreen). • Follow-up with applicants to ensure interview/OVS is complete if they complete this outside your office. • Monitor the status of your applications on EASE.

17. Thank You