€¦ · member benefits program. call 888-sbua-ins (888-728-2467) managed by etmg, llc license...

Administered by:

Presented by:

Direct Wholesale Network, LLC

Member Benefits Program

Call 888-SBUA-INS (888-728-2467) Managed by ETMG, LLC License #1544170 2 of 2

January 3, 2012 3:52 PM

About ETMG, LLC 3

About Small Business United 4

Enrollment & Servicing Technology Platform 5

Member Benefits 6

Client Testimonials 7

SBU HealthSelect Plans 9

SBU2 HealthValu Plans 15

Ameritas Group Dental 22

VSP Vision Benefits 24

Long Term Care Insurance 26

Medicare Supplemental & Medicare Advantage Plans 28

Contact Information

Albert PomalesGeneral ManagerETMG, LLC

6300 Bridgepoint ParkwayBuilding One, Suite 480Austin, TX 78730

512.279.5600 main512.279.5605 direct512.682.8795 fax888.US1.ETMG toll [email protected]



January 3, 2012 3:52 PM

The Executive Team

What is ETMG and what is its role?

• A for-profit Texas limited liability company in situs in Austin, TX.• Managing General Agency & General Agency• Third Party Administrator TDI COA #14869• Premium Collection Agency • Develops and markets employee benefit programs and insurance management solutions

for employees of small businesses. • Target market is trade associations, 1099 affiliated contractor groups, interest groups, professional

employer organizations (PEOs), unions, and organizations comprised of or serving small businesses. • SBU is the initial association client of ETMG. • Dedicated to making available, on a large scale, welfare programs for its clients and their members.

About ETMG, LLC

MARK ADAMS CEO, Executive Chairman & Co-Founder

Corporate Governance, strategic direction, and Investor Relations. Built numerous successful businesses into multi-million dollar ventures. Awarded Ernst and Young’s prestigious “Entrepreneur of the Year Award”.

JOHN CONSTANTINE Vice Chairman & Co-Founder

Corporate Governance, strategic direction, and Investor Relations. Successful Entrepreneur and managing partner of several Texas Surgical Centers. Mr. John Constantine has over 20 years experience in the healthcare field, including business management, investments, marketing and public relations.

OLIVER SANDLIN Corporate Legal Counsel

ETMG Corporate governance, licensing, and regulatory compliance. Principal Sandlin Law Firm, Austin, Texas.



January 3, 2012 3:52 PM

About Small Business United

Small Business United (SBU) is a non-profit association headquartered in Austin, Texas. SBU pools its members’ purchasing power to offer them discounts on office supplies, access to legal and HR networks at a reduced rate, and group-rated health insurance through ETMG, LLC. SBU knows that each association has different needs, and we work hard to tailor our solutions and offerings to your situation.

SBU and ETMG, LLC don’t just offer great benefits to your association members. Up to 10% of the revenue generated by ETMG, LLC and SBU programs and products is payable to the sponsoring association.

What is SBU and what is its role?



January 3, 2012 3:52 PM

Enrollment & Servicing Technology Platform

Enrollment Solution Flexibility• Any benefit – core and/or worksite, administrative• Any method – laptop, call center, Internet, combo• Any time frame – annual, perpetual, subscription• Efficiency – interview timer, 24/7 supervision• Topaz signatures or PIN Voice• HIPAA compliant

Member Calls into Call CenterLicensed Call Center Representative asks several defining questions to guide them & select the appropriate plan.

No Pre-existing conditions

Not currently insured

|

Provided multiple options from multiple carriers

|

Review options:- Desired premium

- Deductible- PPO, HMO, or HSA

Looking to lower cost Has health insurance

|Increase deductible

Add Limited Benefit Plan Lower monthly payment

|Monthly Payment

Current ded. ($1000) $500Increase ded. ($3000) $242 Add LBP $138 NEW TOTAL $380

Looking to lower cost Has health insurance

| |Risk pool

Enroll in PPOHigher deductible

Add Limited Benefit Plan

| |Monthly Payment

PPO ded. ($2500) $598

Monthly Payment

PPO ded. ($5000) $454 Add LBP $138 NEW TOTAL $592

ETMG In-House Call Center Services• Provide an Agency toll-free number for association member use in enrollment and servicing questions• Provide Tier 1 support for general servicing, support, and all monthly premium billing questions. Refer all provider specific servicing

and/or billing questions to the carrier support line as a Tier 2 support request.• Provide marketing with the assistance of Association to include html email marketing, Agency website page hosting specific to

Association products, outbound telephone marketing, fax broadcast marketing, association periodical marketing, and direct mail solicitation, as may be agreed upon by the parties.

• Annual Enrollment Assistance – Provide direction and information to employees regarding enrollment process.• Actual Enrollment by phone, laptop, web-based application, or other medium• Benefit Eligibility Verification – Resolution of inquiries regarding basic eligibility and coverage.• Benefits Enrollment (New Hire) – provide enrollment for new association members and document steps that a new member must

follow when electing for benefits.• Benefits Issue Resolution – Provide information, follow up and resolution on benefits related issues.• Benefits Termination – Provide information and follow up regarding benefit coverage and system updating related to terminations.• Billing Process – Coordination, administration, implementation, and audit of individual ACH billing for monthly premiums of enrolled

association members.• Provide Audit Reports of enrolled and billed members to Association or Association designee as periodically required to maintain

membership and enrollment reconciliation. Provide audit statements of Association Royalty Fees paid and tie back to Agency revenue generated by the program.

• Claims Exception Coordination – Document inquiries regarding possible claim appeals and forward to the client for review.• COBRA Coordination – Coordination of COBRA requests with third party administrator or carrier.• Current Benefit Election Review – Provide current election information to Association members.• Death Claim Process – Issue resolution and follow up regarding death claims.• Electronic Eligibility Process – Document how eligibility information is sent electronically.• Family Status Change Process – Coordinate family status change requests and forms.• Long Term Disability Process – Provide information regarding long-term disability coverage and benefits.• Supplemental/Voluntary Process - Provide information on voluntary/supplemental products, coverage, and benefits and offer

enrollment for these products.• Long Term Care Process – Provide information regarding long-term care coverage and benefits and offer enrollment as this program

becomes available and is introduced to the Association.• All insurance products offered by Agency to Association Members will insured by A- (as determined by AM Best) or better.

Where do you live?

Do you take any medication on a regular basis?

What is your desired premium range, deductible, HSA, etc.?

Do you have any current health concerns/issues?

Human Resource Solutions• Eliminate Paperwork Problems• Complete all forms online• Automated forms can be

printed from the Web



January 3, 2012 3:52 PM

Member Benefits

By joining Small Business United and leveraging the strength of our association’s combined purchasing volume, your small business, association, or individual members are able to obtain discounts on products and services available only to large corporations. A monthly $5 membership fee & $6 processing fee apply.

SBU’s HRAnswerLink was developed specifically for small to mid-sized businesses to provide a Human Resource (HR) service delivered via a customized website, email, and phone communications. SBU’s HR Support Center - $9.95 per month

• Access state and federal laws that pertain to your business• Customize an employee handbook, forms, policies, & letters

HR On-Demand Upgrade - $34.95 per Month

• Unlimited HR consultations & advice by telephone or email• Unlimited HR document customization

HRAnswerLink

Online HR Support 24x7!

Background Checks, Health & Safety Training, Business Training, Labor Law Posters, Salary Reports, and more!

Access a nationwide network of pre-qualified attorneys offering free or discounted legal care. Plan Attorney Benefits:

• Unlimited initial phone consultations for new legal matters.• Review 5 ten page business documents each month. • Calls made on behalf of your business (2 per month).

Follow up calls - Hourly rate of $125.• Letters written on behalf of your business (3 per month).

Follow up letters - Hourly rate of $125.• Initial collection letters (10 per month).

Additional/Follow-up letters - Hourly rate of $125 or contingency fee %• 30 Minute one-on-one consultations for each new legal matter.

Additional time - Hourly rate of $125.• Registered Agent in all states you are incorporated or do business in.

Legal Plan

Guaranteed Low Hourly Rates - Plan attorneys charge $125.00 per hour, or give members a 40% discount off their usual and customary hourly rate.

Retainers - Example: 10 hrs. x $125.00 = $1,250.00 retainer fee Any unused portion of the retainer will be returned.

Contingency Fee Discounts - This fee is expressed as a percentage of the amount collected or awarded. In collection matters, your attorney will accept 18% if the case is settled before formal court proceedings begin. After proceedings begin, the fee is 27%. On all other contingency matters there is a 10% discount on the lower of either the state maximum or the attorney’s standard rate.

SBU Legal Plan Membership - $24.95 per month

Discount Printer/Copier Parts and SuppliesSBU has partnered with one of the nation’s largest suppliers of office machine parts and consumables to bring its members excellent discounts on ink & toner for nearly every office printing and copy machine made by every major manufacturer—and then some. SBU offers 20%-40% off the list price for toner and inkjet supplies, and we stock materials for these manufacturers:

Receive free UPS Ground shipping on orders of $75 or more!

AB DickApple ComputerBrotherCanonCitizenCompaqCopystarDanka InfotecDanka Office Imaging KodakDellDexDigital Equipment CorporationDuploEpsonFrancotyp-PostaliaFujitsuGenicomGestetner

Graphic EnterprisesHaslerHitachiHPIBMIkonImagistics (Pitney Bowes)JetfaxKodakKonica MinoltaKyocera Mita LanierLexmarkMonroeMuratecNashuatecNECNeopost

OceOkidataOlympiaOmnifaxOutput TechnologiesPanasonic Rex RotaryRicohRisoRoyal CopystarSamsungSanyoSavinSharp Standard DuplicatingTeco Information SystemTektronixToshibaXerox

SBU has partnered with OfficeMax to offer members-only deep discounts and access to over 12,000 products through the Instant Purchasing Account (IPA). Your IPA provides savings on office supplies, technology, furniture and more.

• No order charge for purchases over $50 • Orders can be shipped to a residence

OfficeMax

SMALL BUSINESS UNITEDASSOCIATION

MEMBER DISCOUNT CARD8888-001-0560-0022-07



January 3, 2012 3:52 PM

Client Testimonials

Client Testimonials

“ETMG is always available and willing to help on insurance issues as they come up. Not only did they put together various options for coverage that would cover almost all needs of our individual employees, but they take care of all the details when a new member comes on or an employee leaves. We don’t have the expertise they have, so it is comforting to have that support there when you need it.”

-Brian PlaterVP Finance and Business Operations

Fifth Generation, Inc.

“I cannot tell you how much your help meant… We are working on re-launching a 300+ agent office as Keller Williams Realty, and health benefits was a real turning point in many of the associates’ decisions to join the brokerage. I appreciate your willingness to give me your office number, cell phone number and even letting me know when you were leaving the office for the evening. You rock. What you do makes a huge difference for our people, and we are so grateful.”

-Ellen M. MarksDirector of Marketing & Communications

Keller Williams Realty International

“Let’s get real honest. Insurance in general is a painful topic. It’s difficult to understand and navigate, is constantly changing, often contradicts itself and of course costs squeamish amounts of money. Many businesses wake up one day to realize not only are they throwing profit out the window, but they’re even doing that part all wrong. That was us until we partnered up with ETMG. When we went to market looking for a whole new look to our benefits package ETMG was among 5 groups we met with. They were the only management group that offered real solutions for a non-traditional group like Technology Navigators. They provide us with great service and even better products. We have more employees now with the security of having insurance than ever AND get this, it costs less! If that’s not enough of a reason to give them a call, I don’t know what is. ETMG takes the pain of out of Insurance and we’re happy to be a client.”

-Jamie BihlTechnology Navigators

Administered by:

Presented by:


SBU HealthSelect PlansAssociations of Employer Groups

and 1099 Groups

Proposal for Small Business United II Austin, TexasProposal Date: June 24, 2011 | Effective Date of Coverage: September 1, 2011

Underwritten By: ACE American Insurance Company Term life insurance is underwritten by Combined Insurance Company of America, part of the ACE Group of Companies

Claims Administered By:Administrative Concepts, Inc. 994 Old Eagle School Rd., Ste. 1005 Wayne, PA 19087



January 3, 2012 3:52 PM

SBU HealthSelect Plans

An indemnity-based medical plan which provides limited coverage for accidents, illness, and specified disease to help cover basic, minor-medical expenses.

BASIC 10 NEW PLAN! CHOICE 25 MAX 50

INPATIENT*

Hospital Confinement

- Day 1 Benefit Amount $1,000 x 1 day $2,000 x 1 day $2,500 x 1 day

- Days 2+ Benefit Amount Per Day $500 x 15 days $1,000 x 20 days $1,250 x 30 days

- Days 1+ Additional ICU Benefit Amount Per Day $250 x 5 days $750 x 5 days $850 x 6 days

Surgery Benefit Amount (Including Maternity) Per Surgery $750 x 1 surgery $2,000 x 1 surgery $4,000 x 1 surgery

- Anesthesia Benefit Amount - Per Surgery $185 x 1 surgery $500 x 1 surgery $1,000 x 1 surgery

Maximum Potential Inpatient Benefits $10,685 $26,000 $50,100

OUTPATIENT ILLNESS BENEFIT*

Physician Office Visit Pre-Pay (1,2) $10 $10 $10

- Benefit Amount Per Visit $75 x 10 visits $100 x 10 visits $100 x 10 visits

- Wellness Benefit Amount Per Visit $125 x 1 visit $125 x 1 visit $200 x 1 visit

- Well Child Care (Up to Age 4) Benefit Amount Per Visit $85 x 4 visits $100 x 4 visits $100 x 4 visits

Emergency Room (Sickness) Benefit Amount - Per Visit $225 x 1 visit $400 x 1 visit $500 x 1 visit

Surgery Benefit Amount Per Surgery $500 x 1 surgery $1,000 x 1 surgery $2,000 x 1 surgery

- Anesthesia Benefit Amount - Per Surgery $125 x 1 surgery $250 x 1 surgery $500 x 1 surgery

Diagnostic, X-Ray, Lab - Benefit Amount Per Test

- Class I: Laboratory - Blood Work, CMP, Lipid Panel $50 x 4 tests $50 x 4 tests $50 x 4 tests

- Class II: X-Rays, ECG, Pap/PSA Tests, All Other Diagnostic $75 x 2 tests $100 x 2 tests $100 x 2 tests

- Class III: Ultrasound, Mammogram $125 x 1 test $175 x 1 test $175 x 1 test

- Class IV: CT, PET, MRI $250 x 1 test $750 x 1 test $750 x 1 test

Maximum Potential Outpatient Benefit Per Year $2,790 $4,600 $5,925

OUTPATIENT ACCIDENT BENEFIT*

-Benefit % Payable 80% 80% 80%

-Deductible Per Accident $0 $0 $0

Maximum Benefit Per Year $2,000 per year $3,000 per year $3,000 per year

PRESCRIPTION BENEFIT*

Retail- Generic Rx Copay $10 $10 $10

Retail- Preferred Brand Rx Copay $30 $30 $30

Mail Order- Generic Rx Copay $30 $30 $30

Mail Order- Preferred Brand Rx Copay $90 $90 $90

Prescription Benefit Maximum Per Month (Individual) $100 per month $100 per month $200 per month

Prescription Benefit Maximum Per Month (Family) $200 per month $200 per month $400 per month

Prescription Benefit Maximum Per Year (Individual) $1,200 per year $1,200 per year $2,400 per year

Prescription Benefit Maximum Per Year (Family) $2,400 per year $2,400 per year $4,800 per year

LIFE/AD&D/CRITICAL ILLNESS*

Critical Illness Benefit Amount Payable for 10 Conditions

Benefit Amount N/A $1,500 $2,000

Accidental Death & Dismemberment Benefit*

Benefit Amount $10k/$5k/$1k $25k/$5k/$1k $25k/$5k/$1k

Term Life Insurance (3)**** Benefit amounts listed are for: Employee/Spouse/Child(ren)

Benefit Amount $5k/$2k/$1k $5k/$2k/$1k $5k/$2k/$1k

OTHER SERVICES (2)

Teladoc: Telephonic Doctor Office Visits - $38 Fee YES YES YES

Care24: EAP and Nurseline YES YES YES

PHCS PPO Discounts YES YES YES(1) The office visit pre-pay is a service through the PHCS PPO Network (2) This service is not insurance and is not provided by ACE American Insurance Company. (3) Term Life is underwritten by Combined Insurance Company of America, part of the ACE Group of Companies. * For HealthSelect, we will not pay benefits for any loss, injury, or sickness that is caused by, or results from Pre-existing Conditions occurring within the first 12 months of coverage. *“Pre-existing Condition” means an illness, disease, or other condition of the Covered Person, that was treated, diagnosed or required medications in the 6 month period before the Covered Person’s coverage became effective under this Policy. Pre-existing conditions found during the 6-month look-back period will be excluded for the first 12 months of coverage under this Policy. Upon submission of a valid “Certificate of Creditable Coverage”, credit toward the pre-existing exclusion period will be given for all benefits except the “Critical illness” benefit. For details regarding the “Critical Illness” pre-existing exclusion see “What is not covered.”



January 3, 2012 3:52 PM

SBU HealthSelect Plans - Continued

BENEFIT DESCRIPTION

Office Visits We will pay benefits if a covered person visits a Doctor’s office for treatment, care or advice of an injury or sickness covered under the policy.

Emergency Room Visits (Sickness Only)We will pay benefits for Emergency Room Visits if a covered person requires treatment or services in a Hospital emergency room for a life-threatening condition due to sickness. Covered expenses include the attending Doctor’s charges, X-rays, laboratory procedures, use of the emergency room and supplies.

Wellness VisitsWe will pay benefits for an annual routine examination or well child care. Covered Services include a medical history, physical examination, X-rays and laboratory tests including a Pap test, colorectal screening, prostate cancer screening, mammography and bone density screening. We will pay benefits for up to 4 well child visits up to age 4.

Outpatient Laboratory Tests, Diagnostics, and X-Ray Expenses

We will pay benefits for Outpatient Laboratory Tests and X-rays if a covered person is not confined in a Hospital and the tests or x-rays are ordered by a Doctor and performed by an appropriately licensed technician.

Outpatient Accident Only Medical Expense Benefit

We will pay benefits for medically necessary expenses that result directly from a covered accident. Initial treatment must begin within 72 hours of the accident and covered expenses must be incurred within 90 days after the accident. These benefits are subject to the Deductibles, Coinsurance Rates, Co-Payments, Benefit Periods, Benefit Maximums and other terms or limits, if any, shown in the Schedule of Benefits. Covered expenses include medical services and supplies, emergency care, ambulance expenses, treatment of an injured tooth, prescription drugs andrehabilitative braces or appliances prescribed by a doctor.

Hospital Confinement Benefit We will pay benefits if a covered person is confined in a hospital because of a covered injury or illness for at least 24 consecutive hours.

Surgery and Anesthesia BenefitWe will pay benefits if a covered person undergoes surgery at the direction of a doctor for a covered injury or sickness. We will also pay benefits for anesthesia services for pre-operative screening and the administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.

Critical Illness

Payable for 10 conditions: Cancer, Heart Attack, Renal Failure, Stroke, Major Organ Transplant, Multiple Sclerosis, Coronary Artery Bypass Surgery, Alzheimer’s, ALS, Terminal Illness. After coverage has been in effect for 90 days or more, if an employee is then diagnosed with any of the conditions listed in the schedule of benefits, we will pay the amount shown in the Schedule of Benefits for this benefit. The covered person must be under 65 years of age and survive for a period of one-hundred-eighty (180) days after diagnosis of Multiple Sclerosis. The covered person must be under 65 years of age and must survive for a period of thirty (30) days after diagnosis for any other covered illness. We will pay this benefit only once regardless of whether the covered person is diagnosed with more than one of the covered illnesses.

Accidental Death and Dismemberment Benefit

If a covered person suffers a loss within 365 days of a covered accident we will pay the percentage of the principal sum shown opposite that loss. If multiple losses occur, only one benefit amount, the largest, will be paid for all losses due to the same covered accident.

Term Life Insurance Benefit*If an insured person dies of natural causes or as the result of a covered accident, we will pay the death benefit amount listed in the schedule of benefits. We will not pay a death benefit if an insured person dies by suicide, while sane or insane, within two years of the date his/her insurance starts.

Prescription Drug BenefitsWe will pay benefits for expenses incurred by a covered person for the purchase of generic and preferred brand name prescription drugs from a Participating or Non-Participating Pharmacy. The co-payment must be incurred for each prescription drug or authorized refill before benefits are payable.

Value-added benefits are included with the HealthSelect Plan.These benefits are not insurance and are not provided by ACE American Insurance Group.

Insurance is underwritten by ACE American Insurance Company *Term Life is underwritten by Combined Insurance Company of America, part of the ACE Group of Companies.

MONTHLY RATES

BASIC 10 NEW PLAN! CHOICE 25 MAX 50

Member Only $165.50 $229.29 $294.49

Member + 1 $348.36 $483.02 $619.10

Family $494.36 $680.05 $878.50



January 3, 2012 3:52 PM

Value Added Services Enhance the Packaged Offering and Elevate the Consumer Experience for Employees

PPO Network Office Visit Pre-pay

Access to Network discounts at over 568,000 participating PHCS Network physicians and hospitals.

Service provides members affordable access to physicians by allowing them to pay a $10 Office Visit Pre-pay before insurance benefits are applied. MultiPlan delivers primary PPO network access under the PHCS Network, HealthEOS Network, and PHCS Savility brands. PHCS Network offers access in all states to 568,000 healthcare professionals, over 4,100 hospitals and 63,000 ancillary care facilities. No matter where health plan participants live, work, and seek healthcare, they have access to the largest independent primary PPO in the nation. Our passive approach to utilizing participating providers does not reduce insurance benefits or penalize a member for seeing a non-network provider. Using a network provider will discount the cost of services rendered and help to stretch our members’ insurance benefits. For members that happen to reach their insurance benefit maximums, they can continue to receive discounted prices from the network providers.

Prescription Drug Card

With ScriptSave® members enjoy instant savings for their entire household on brand name and generic medications.

Savings average 22%, with potential savings of up to 50% on brand name and generic prescription drugs at over 50,000 participating pharmacies. With RxEDO, members can use their card for prescription fills and refills at over 56,000 participating pharmacies for co-pay benefits that will be processed in real-time at the point-of-purchase at the pharmacy.

Telemedicine

With Teladoc: For only a $38 consult fee, members can receive 24/7 access to affordable healthcare via phone consultations to diagnose, recommend treatment, and write short-term, non-narcotic prescriptions.

A lot of time goes into setting a doctor’s appointment and taking time off from work or out of busy, everyday lives. And after all that, the average face-to-face time with a doctor in a traditional office visit appointment is 3-5 minutes*. With TelaDoc, members have on-demand access to U.S. board certified and licensed doctors for telephone consultations to diagnose, recommend treatment, and write short-term, non-narcotic prescriptions. For only a $38 consult fee, members can receive quality care from the convenience of their homes or offices, as opposed to more expensive and less productive settings like an urgent care center or emergency room. Teladoc is not designed to replace employees’ primary care physicians. It simply allows them to resolve their routine medical issues at a fraction of the cost and time. [*According to a Merritt Hawkins Survey, 2009]

Nurseline and EAP

OptumHealth Care24 provides a toll-free, 24/7/365 Nurseline which provides an immediate and reliable source for non-emergency health information and confidential medical counseling for emotional and personal challenges. Includes 3 face-to-face counseling visits per condition.

Members are enrolled in an Employee Assistance Program and Nurseline through OptumHealth. Consultations are provided by registered nurses and masters level counselors. Additional resources are available including legal, financial, dependent care specialists, and an audio health information library. In addition to the telephonic services, members also have access to up to 3 face-to-face counseling sessions per condition at no cost to the member.

THESE SERVICES ARE NOT INSURANCE AND ARE NOT PROVDIED BY ACE AMERICAN INSURANCE CORP.

Value Added Services



January 3, 2012 3:52 PM

About Your New Plan

Quick Tips

www.Ternian.com 602.216.0006•

When one size does not fi t all. SM

How to use your new insurance plan...

1. WHO IS THE INSURANCE COMPANY?

2. WHAT TO DO AT A DOCTOR’S OFFICE VISIT.

3. ADDITIONAL SERVICES INCLUDED WITH YOUR PLAN.

• ACE American Insurance Company (A+ Rated)• You can see ANY doctor or hospital of your choice, and the

insurance plan will pay the same level of benefi t - no penalties. • For benefi ts and coverage questions call 1-800-964-7096

• Give the doctor offi ce staff your ID Card• Have them call 1-800-964-7096 (on your ID Card) to verify your coverage• Pay your offi ce visit fee (on your ID Card) at the time of service• Have the doctor bill the insurance company on your behalf

• If your doctor is part of the MultiPlan PHCS Network, you will also receive discounts on their billed charges. 1-866-750-7427

• For only $38, you can have a doctor consultation over the phone from the convenience of your home or offi ce with TelaDoc. 1-800-Teladoc

• At no additional cost, you can call Optum Care24 Nurseline to speak to a registered nurse immediately! 1-866-923-0018

Quick Tips













Quick Tips














• ACE American Insurance Company (A+ Rated)• You can see ANY doctor or hospital of your choice, and the insurance

plan will pay the same level of benefit - no penalties.• For benefits and coverage questions call 1-800-964-7096


• Give the doctor office staff your ID Card• Have them call 1-800-964-7096 (on your ID Card) to verify coverage• Pay your office visit fee (on your ID Card) at the time of service• Have the doctor bill the insurance company on your behalf



• For only $38, you can have a doctor consultation over the phone from the convenience of your home or office with TelaDoc. 1-800-Teladoc


How to Use Your New Insurance Plan



January 3, 2012 3:52 PM

Exclusions & Limitations

For HealthSelect, we will not pay benefits for any loss, injury or sickness that is caused by, or results from:• *“Pre-existing Condition” means an illness, disease, or other condition of the Covered Person,

that was treated, diagnosed or required medications in the 6 month period before the Covered Person’s coverage became effective under this Policy. Pre-existing conditions found during the 6-month look-back period will be excluded for the first 12 months of coverage under this Policy. Upon submission of a valid “Certificate of Creditable Coverage”, credit toward the pre-existing exclusion period will be given for all benefits except the “Critical illness” benefit. For details regarding the “Critical Illness” pre-existing exclusion see “What is not covered.”

• Intentionally self-inflicted injury, suicide or attempted suicide.• War or any act of war, whether declared or not.• Service in the military, naval or air service of any country or international organization.• Piloting or serving as a crewmember or riding in any aircraft except as a fare-paying passenger

on a regularly scheduled or charter airline.• Commission of, or attempt to commit, a felony.• Commission of or active participation in a riot, or insurrection.• Bungee cord jumping, parachuting, skydiving, parasailing, hang-gliding.• Flight in, boarding or alighting from any aircraft except as a fare-paying passenger on a

regularly scheduled commercial airline.• An accident if the covered person is the operator of a motor vehicle and does not possess

a valid motor vehicle operator’s license, except while participating in Driver’s Education Program.

• Medical or surgical treatment, diagnostic procedure, administration or anesthesia, or medical mishap or negligence, including malpractice. [This exclusion applies to the Accidental Death and Dismemberment benefit only]

• Travel or activity outside the United States, Canada, or Mexico, except for a Medical Emergency.• Travel in any Aircraft owned, leased or controlled by the Policyholder, or any of its subsidiaries

or affiliates. An Aircraft will be deemed to be “controlled” by the Policyholder if the Aircraft may be used as the Policyholder wishes for more than 10 straight days, or more than 15 days in any year.

• Alcoholism, drug addiction or the use of any drug or narcotic except as prescribed by a Doctor unless specifically provided herein.

• Repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration.

• Repair, replacement, examinations for, prescriptions, or the fitting of eyeglasses or contact lenses.

• While the covered person is legally intoxicated (as determined by that state’s laws) or while under the influence of any drug unless administered under the advice and consent of a Doctor.

• Elective Abortion. Elective Abortion means an abortion for any reason other than to preserve the life of the female upon whom the abortion is performed.

• Mental and Nervous Disorders.• Cosmetic surgery, except for reconstructive surgery needed as the result of an injury or

sickness.• Experimental or Investigational drugs, services, supplies or any procedure held to be

experimental or investigatory by Us at the time the procedure is done.• Treatment for being overweight, gastric bypass or stapling, intestinal bypass, and any related

procedures, including complications.• Sexual reassignment surgery, sexual transformation surgery, sexual transgendering surgery.• Services related to sterilization, reversal of a vasectomy or tubal ligation; in vitro fertilization

and diagnostic treatment of infertility or other problems related to the inability to conceive a child, unless such infertility is a result of a covered Injury or Sickness.

• Treatment or services provided by a private duty nurse, unless provided for in the Policy.• Organ or tissue transplants and related services.• Personal comfort or convenience items.• Rest or custodial cures.• Hearing aids.• Radial keratotomy.• Treatment by a family member or member of the Covered Person’s household.• Routine dental care and treatment, except for treatment of Injury as specified in the Policy.We will not pay benefits for any loss or Injury that is caused by, results from, or is contributed to by:1. Suicide or attempted suicide, intentionally self-inflicted injury.2. War or any act of war, whether declared or not.3. A Covered Accident that occurs while on active duty service in the military, naval or air force of any country or international organization. Upon Our receipt of proof of service, We will refund anyt premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days.4. Sickness, disease, or any bacterial infection, except one that results from an accidental cut or wound or pyogenic infections that result from accidental ingestion of contaminated substances.5. Piloting or serving as a crewmember or riding in any aircraft except as a fare-paying passenger on a regularly scheduled or charter airline.6. Injury that occurs while the Covered Person is legally intoxicated (as determined by that state’s law) or while under the influence of any drug unless administered under the advice and consent of a Doctor.7. Medical or surgical treatment, diagnostic procedure, administration of anesthesia, or medical mishap or negligence, including malpractice.8. Commission of, or attempt to commit, a felony.9. Aggravation or re-injury of a prior Injury the Covered Person suffered prior to his or her coverage effective date, unless We receive a written medical release from the Covered Person’s Doctor.In addition to the above Exclusions, We will not pay Accident Medical Expense Benefits for any loss, treatement or services resulting from or contributed to by:• Treatment by persons employed or retained by the Policyholder, or by any Immediate Family

or member of the Covered Person’s household. • Treatment of sickness, disease or infections except pyogenic infections or bacterial infections

that result from the accidental ingestion of contaminated substances.

• Treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis, appendicitis, osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness, detached retina unless caused by an Injury, or mental disorder or psychological or psychiatric care or treatment (except as provided in the Policy), whether or not caused by a Covered Accident.

• Pregnancy, childbirth, miscarriage, abortion or any complications of any of these conditions.• Mental and nervous disorders (except as provided in the Policy).• Damage to or loss of dentures or bridges, or damage to existing orthodontic equipment

(except as specifically covered in the Policy).• Expenses incurred for treatment of temporomandibular or craniomandibular joint dysfunction

and associated myofacial pain (except as provided by the Policy).• Injury covered by Workers’ Compensation, Employer’s LIability Laws or similar occupational

benefits or while engaging in activity for monetary gain from sources other than the Policyholder.

• Cosmetic surgery, except for reconstructive surgery needed as the result of an Injury.• Any elective treatment, surgery, health treatment, or examination, including any service,

treatment or supplies that: (a) are deemed by us to be experimental; and (b) are not recognized and generally accepted medical practices in the United States.

• Eyeglasses, contact lenses, hearing aids, examinations or prescriptions for them, or repair or replacement of existing artifical limbs, orthopedic braces, or orthotic devices.

• Expenses payable by any automobile insurance Policy without regard to fault. (This exclusion does not apply in any state where prohibited.)

• Conditions that are not caused by a Covered Accident.• Participation in any activity or hazard not specifically covered by the Policy.• Any treatment, service, or supply not specifically covered by the Policy.This insurance does not apply to the extent that trade or economic sanctions or regulation prohibit Us from providing insurance, including, but not limited to, the payment of claims.No Prescription Drug Benefits will be paid for:• All over-the-counter products and medications unless shown in the definition of Prescription

Drug. This includes, but is not limited to, electrolyte replacement, infant formulas, miscellaneous nutritional supplements, and all other over-the-counter products and medications.

• Blood glucose meters and insulin injecting devices.• Depo-Provera; condoms, contraceptive sponges, and spermicides; sexual dysfunction drugs.• Biologicals (including allergy tests); blood products; growth hormones; hemophiliac factors;

MS injectables; immunizations; and all other injectables unless shown in the definition of Prescription Drug.

• Medical supplies and durable medical equipment.• Liquid nutritional supplements; pediatric Legend Drug vitamins; prescribed versions of

Vitamins A, D, K, B12, Folic Acid, and Niacin – used in treatment verses as a dietary supplement; and all other Legend Drug vitamins and nutritional supplements.

• Anorexiants; any cosmetic drugs including, but not limited to, Renova and skin pigmentation preps; any drugs or products used for the treatment of baldness; and topical dental fluorides.

• Refills in excess of that specified by the prescribing Doctor, or refills dispensed after one year from the original date of the prescription.

• Any drug labeled “Caution – limited by Federal Law for Investigational Use” or experimental drugs.

• Any drug which the Food and Drug Administration has determined to be contraindicated for the specific treatment.

• Drugs needed due to conditions caused, directly or indirectly, by a covered person taking part in a riot or other civil disorder; or the covered person taking part in the commission of a felony.

• Drugs needed due to conditions caused, directly or indirectly, by declared or undeclared war or any act of war; or drugs dispensed to a covered person while on active duty service in any armed forces.

• Any expenses related to the administration of any drug.• Drugs or medicines taken while in or administered by a Hospital or any other health care

facility or office.• Drugs covered under Worker’s Compensation, Medicare, Medicaid or other governmental

program.• Drugs, medicines or products which are not medically necessary.• Diaphragms; erectile dysfunction Legend Drugs; and infertility Legend Drugs.• Epi-Pen, Epi-Pen Jr., Ana-Kit, Ana-Guard; Glucagon-auto injection; and Imitrex-auto injection.• Smoking deterrents, Legend or over-the-counter drugs.• Replacement of stolen medication (except under circumstances approved by us), or lost,

spilled, broken or dropped Prescription Drugs.• Vacation supplies of Prescription Drugs (except under circumstances approved by us).• All newly marketed pharmaceuticals or currently marketed pharmaceuticals with a new

FDA approved indication for a period of one year from such FDA approval for its intended indication.

This insurance does not apply to the extent that trade or economic sanctions or regulation prohibit Us from providing insurance, including, but not limited to, the payment of claims.In addition, Critical Illness Benefits will not be paid for:• Injury or Sickness, other than one of the Covered Illnesses, even though such Injury or Sickness

may have been complicated by one of the Covered Illnesses;• The use, existence or escape of nuclear weapons, material or ionizing radiation from or

contamination by radioactivity from any nuclear fuel or waste from the combustion of nuclear fuel;

• Misuse of medication or the abuse of drugs or intoxicants;• Any Preexisting Condition, except where coverage has been in effect for a period of twelve (12)

consecutive months following the covered person’s effective date of coverage. “Preexisting Condition” means a Sickness suffered by a covered person for which he or she sought or received medical advice, consultation, investigation, or diagnosis, or for which treatment was required or recommended by a Doctor during the 12 months immediately prior to the covered person’s effective date of coverage, that directly or indirectly causes the condition to occur within the first 12 months from the covered person’s most recent effective date of coverage.

Administered by:

Presented by:


SBU2 HealthValu PlansEmployers with 10+ Employees

or Preapproved Groups

Proposal for Small Business United II Austin, TexasProposal Date: November 10, 2010 | Effective Date of Coverage: January 1, 2011

Underwritten By: ACE American Insurance Company Term life insurance is underwritten by Combined Insurance Company of America, part of the ACE Group of Companies

Claims Administered By:Administrative Concepts, Inc. 994 Old Eagle School Rd., Ste. 1005 Wayne, PA 19087



January 3, 2012 3:52 PM

SBU2 HealthValu Plans

BASIC 25 (UNLIMITED

LIFETIME BENEFITS)

CHOICE 50 (UNLIMITED

LIFETIME BENEFITS)

MAX 75 (UNLIMITED

LIFETIME BENEFITS)

ADVANTAGE 100 (UNLIMITED LIFETIME

BENEFITS)

INPATIENT

Hospital Confinement

- Days 1 Benefit Amount $2,500 $5,000 $5,000 $5,000

- Days 2+ Benefit Amount Per Day $1,500x20 $2,500x20 $3,000x20 $4,000x20

- Days 1+ ICU Benefit Amount Per Day $1,000x5 $2,000x5 $2,500x5 $3,000x5

Surgery Benefit Amount (Incl. Maternity) Per Surgery $5,000x1 $5,000x2 $5,000x2 $5,000x2

- Anesthesia Benefit Amount - Per Surgery $1,250 $1,250 $1,250 $1,250

OUTPATIENT

Physician Office Visit Pre-Pay (1) $10 $10 $10 $10

- Sickness Benefit Amount Per Visit $100x20 $100x20 $125x20 $125x20

- Wellness Benefit Amount Per Visit $250x1 $250x1 $250x1 $250x1

- Well Baby Care (Up to Age 1) Benefit Amount Per Visit $150x4 $150x4 $150x4 $150x4

Accident Benefit Amount Per Year $25,000 $25,000 $25,000 $25,000

- Benefit % Payable 80% 80% 80% 80%

- Deductible Per Accident $0 $0 $0 $0

Emergency Room (Sickness) Benefit Amount - Per Visit $1,000x2 $1,000x2 $1,000x2 $1,000x2

Surgery Benefit Amount Per Surgery $2,500x1 $2,500x1 $2,500x2 $2,500x2

- Anesthesia Benefit Amount - Per Surgery $625 $625 $625 $625

Diagnostic, X-Ray, Lab - Benefit Amount Per Test

- Class I: Laboratory - Blood Work, CMP, Lipid Panel $50x6 $75x6 $75x6 $75x6

- Class II: X-Rays, ECG, All Other Diagnostic $125x4 $150x4 $150x4 $150x4

- Class III: Ultrasound, Mammogram $250x2 $250x2 $300x2 $300x2

- Class IV: CT, PET, MRI $1,250x1 $1,250x1 $1,500x1 $1,500x1

Prescription Benefit Maximum Per Year $1,000 $1,500 $1,500 $2,000

- Retail - Generic Rx Copay $10 $10 $10 $10

- Retail Preferred Brand Rx Copay $20 $20 $20 $20

- Mail Order - Generic Rx Copay $25 $25 $25 $25

- Mail Order - Preferred Brand Rx Copay $50 $50 $50 $50

LIFE/AD&D/CRITICAL ILLNESS

Critical Illness Benefit Amount Payable for 10 Conditions $5,000 $5,000 $5,000 $5,000

Accidental Death & Dismemberment Benefit Amount*$25,000 Emp

$5,000 Sp$1,000 Ch

$25,000 Emp$10,000 Sp$1,000 Ch

$25,000 Emp$10,000 Sp$1,000 Ch

$25,000 Emp$10,000 Sp$1,000 Ch

Term Life Insurance (2) Benefit Amount* * Benefit amounts listed are for: Employee/Spouse/Child(ren)

$5,000 Emp$2,000 Sp$1,000 Ch

$5,000 Emp$2,000 Sp$1,000 Ch

$5,000 Emp$2,000 Sp$1,000 Ch

$5,000 Emp$2,000 Sp$1,000 Ch

OTHER SERVICES (2)

Teladoc: Telephonic Doctor Office Visits - $38 Fee YES YES YES YES

Care24: EAP and Nurseline YES YES YES YES

PHCS PPO Discount YES YES YES YES

PRE-EXISTING CONDITION LIMITATION* 6/12 pre-x Inpatient and Surgery onlyCritical Illness – 12 month pre-x and 90 days insured on plan

(1) The office visit pre-pay is a service through the PHCS Network (2) This service is not insurance and is not provided by ACE American Insurance Company. (3) Term Life is underwritten by Combined Insurance Company of America, part of the ACE Group of Companies.* Pre-existing Conditions occurring within the first 12 months of coverage (applies to Hospital and Surgery benefits only). “Pre-existing Condition” means an illness, disease, or other condition of the Covered Person, that was treated, diagnosed or required medications in the 6 month period before the Covered Person’s coverage became effective under this Policy.

An indemnity-based medical plan which provides limited coverage for accidents, illness, and specified disease to provide an affordable “Middle-Medical” solution. Benefit levels are between an LBMP and a comprehensive major medical plan.



January 3, 2012 3:52 PM

SBU2 HealthValu Plans - Continued

BENEFIT DESCRIPTION

Office Visits We will pay benefits if a covered person visits a Doctor’s office for treatment, care or advice of an injury or sickness covered under the policy.

Emergency Room Visits (Sickness Only)We will pay benefits for Emergency Room Visits if a covered person requires treatment or services in a Hospital emergency room for a life-threatening condition Covered expenses include the attending Doctor’s charges, X-rays, laboratory procedures, use of the emergency room and supplies.

Wellness VisitsWe will pay benefits for an annual routine examination or well child care. Covered Services include a medical history, physical examination, X-rays and laboratory tests including a Pap test, colorectal screening, prostate cancer screening, mammography and bone density screening.

Outpatient Laboratory Tests and X-Ray Expenses

We will pay benefits for Outpatient Laboratory Tests and X-rays if a covered person is not confined in a Hospital and the tests or x-rays are ordered by a Doctor and performed by an appropriately licensed technician.

Outpatient Accident Only Medical Expense Benefit

We will pay benefits for medically necessary expenses that result directly from a covered accident. Initial treatment must begin within 72 hours of the accident and covered expenses must be incurred within 90 days after the accident. These benefits are subject to the Deductibles, Coinsurance Rates, Co-Payments, Benefit Periods, Benefit Maximums and other terms or limits, if any, shown in the Schedule of Benefits. Covered expenses include medical services and supplies, emergency care, ambulance expenses, treatment of an injured tooth, prescription drugs andrehabilitative braces or appliances prescribed by a doctor.

Hospital Confinement Benefit We will pay benefits if a covered person is confined in a hospital because of a covered injury or illness for at least 24 consecutive hours.

Surgery and Anesthesia BenefitWe will pay benefits if a covered person undergoes surgery at the direction of a doctor for a covered injury or sickness. We will also pay benefits for anesthesia services for pre-operative screening and the administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.

Accidental Death and Dismemberment Benefit

If a covered person suffers a loss within 365 days of a covered accident we will pay the percentage of the principal sum shown opposite that loss. If multiple losses occur, only one benefit amount, the largest, will be paid for all losses due to the same covered accident.

Prescription Drug BenefitsWe will pay benefits for expenses incurred by a covered person for the purchase of generic and preferred brand name prescription drugs from a Participating or Non-Participating Pharmacy. The co-payment must be incurred for each prescription drug or authorized refill before benefits are payable.

Value-added benefits are included with the HealthValu Plan.These benefits are not insurance and are not provided by ACE American Insurance Group.

Office Visit Pre-Pay Service provides members affordable access to physicians by allowing them to pay a $10 Office Visit Pre-pay before insurance benefits are applied.

This proposal is not a contract of insurance. This proposal provides only brief descriptions of the coverage available. The policies contain reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in policy that will be issued to you, once we receive your acceptance. If there are any conflicts between this proposal and the policy issued to you, the policy shall govern. The policy is governed by the laws in the state in which it is delivered. Certain terms or provisions may be different if required by the laws of that state. This proposal is valid for 90 days from the date of the proposal. If you accept the terms of this proposal, coverage is subject to ACE’s determination that trade or economic sanctions or regulations do not prohibit us from binding coverage. Ternian Insurance Group reserves the right to extend or withdraw this proposal at any time by providing written notice to the requestor of this proposal. For agent/broker use only. Not for individual solicitations. IMPORTANT NOTICE: Insurance policies providing certain health insurance coverage issued or renewed on or after September 23, 2010 are required to comply with all applicable requirements of the Patient Protection and Affordable Care Act (PPACA). However, there are a number of insurance coverages that are specifically exempt from the requirements of PPACA (See § 2791 of the Public Health Services Act). ACE maintains that the Limited Accident and Sickness Plan presented in this proposal is “fixed indemnity insurance”, and is therefore, exempt from the requirements of PPACA. ACE continues to monitor healthcare reform laws and regulations to determine any impact on its products. Should there be any change that requires modification of this plan, we reserve the right to change the plan and rates accordingly. Please understand that this is not intended as legal advice. For legal advice on PPACA, please consult with your own legal counsel or tax advisor directly.

Insurance is underwritten by ACE American Insurance Company Term life insurance is underwritten by Combined Insurance Company of America, part of the ACE Group of Companies.



January 3, 2012 3:52 PM

Illustrative Claim Scenarios (HelathValu Advantage100 Plan)

If the hospitalization was the result of a Critical Illness as described, the employee would receive $5,000 cash to offset the remaining bills plus living expenses.

How HealthValu Pays

Moderate Annual UtilizationHealthValu Advantage100

6 Physicians Visits - $125 each $60 1 Lab workup - $75 each* Class $I 0 6 Generic Prescription $s 60 6 Brand Prescriptions - $75 each $1501 Emergency room visit - $1,000 each $* 0 1 Broken finger (Dr Office) - $3000 each* $600 Annual total Medical Cost $5,335Employee Pays $870

Medical Expenses $5,335Employee Pays $870

$870

$5,335

Low Annual UtilizationHealthValu Advantage100

4 Physicians Visits - $125 each $40 1 Lab workup - $75 each* Class $I 0 2 Generic Prescription $s 20 2 Brand Prescriptions - $75 each $40 1 Emergency room visit - $1,000 each $* 0 Annual total Medical Cost $1745Employee Pays $100

Medical Expenses $1745Employee Pays $100

$100

$1745

Major Annual UtilizationHealthValu Advantage100

6 Physicians Visits - $125 each $60 1 Lab workup - $75 each* Class $I 0 6 Generic Prescription $s 60 6 Brand Prescriptions - $75 each $150 1 Emergency room visit - $1,000 each* $0 1 Broken finger (Dr Office) - $3,000 each* $600 Five day hospitalization - With three days in ICU and Surgery Performed (Total charge $60,000 PPO discounted rate $36,000)* $0

Annual total Medial Cost $65,335 Employee Pays $870

Medical Expenses $65,335Employee Pays $870

$65,335

$870

*Charges repriced as in-network.

How HealthValu Pays



January 3, 2012 3:52 PM

Value Added Services

Value Added Services Enhance the Packaged Offering & Elevate the Consumer Experience for Employees

TelaDocA lot of time goes into setting a doctor’s appointment and taking time off from work or out of busy, everyday lives. And after all that, the average face-to-face time with a doctor in a traditional office visit appointment is 3-5 minutes*. With TelaDoc, members have on-demand access to U.S. board certified and licensed doctors for telephone consultations to diagnose, recommend treatment, and write short-term, non-narcotic prescriptions. For only a $38 consult fee, members can receive quality care from the convenience of their homes or offices, as opposed to more expensive and less productive settings like an urgent care center or emergency room. Teladoc is not designed to replace employees’ primary care physicians. It simply allows them to resolve their routine medical issues at a fraction of the cost and time. [*According to a Merritt Hawkins Survey, 2009]

Care24Ternian members are enrolled in an Employee Assistance Program and Nurseline through OptumHealth. With the Care24 program, members receive telephonic access to a Nurseline which provides an immediate and reliable source for non-emergency health information and confidential counseling for emotional and personal challenges. Consultations are provided by registered nurses and masters level counselors. Additional resources are available including legal, financial, dependent care specialists, and an audio health information library. In addition to the telephonic services, members also have access to up to 3 face-to-face counseling sessions per condition at no cost to the member.

Provider NetworksMultiPlan delivers primary PPO network access under the PHCS Network, HealthEOS Network, and PHCS Savility brands. PHCS Network offers access in all states to 568,000 healthcare professionals, over 4,100 hospitals and 63,000 ancillary care facilities. No matter where health plan participants live, work, and seek healthcare, they have access to the largest independent primary PPO in the nation. Our passive approach to utilizing participating providers does not reduce insurance benefits or penalize a member for seeing a non-network provider. Using a network provider will discount the cost of services rendered and help to stretch our members’ insurance benefits. For members that happen to reach their insurance benefit maximums, they can continue to receive discounted prices from the network providers.

Quick Tips













Quick Tips













Quick Tips














• ACE American Insurance Company (A+ Rated)• You can see ANY doctor or hospital of your choice, and the insurance

plan will pay the same level of benefit - no penalties.• For benefits and coverage questions call 1-800-964-7096


• Give the doctor office staff your ID Card• Have them call 1-800-964-7096 (on your ID Card) to verify coverage• Pay your office visit fee (on your ID Card) at the time of service• Have the doctor bill the insurance company on your behalf



• For only $38, you can have a doctor consultation over the phone from the convenience of your home or office with TelaDoc. 1-800-Teladoc


How to Use Your New Insurance Plan



January 3, 2012 3:52 PM

Exclusions & Limitations

For HealthSelect, HealthValu and CriticalMed, we will not pay benefits for any loss, injury or sickness that is caused by, or results from:• Pre-existing Conditions occurring within the first 12 months of coverage (applies to Hospital

and Surgery benefits only). “Pre-existing Condition” means an illness, disease, or other condition of the Covered Person, that was treated, diagnosed or required medications in the 6 month period before the Covered Person’s coverage became effective under this Policy.

• Intentionally self-inflicted injury, suicide or attempted suicide.• War or any act of war, whether declared or not.• Service in the military, naval or air service of any country or international organization.• Piloting or serving as a crewmember or riding in any aircraft except as a fare-paying passenger

on a regularly scheduled or charter airline.• Commission of, or attempt to commit, a felony, an assault or other illegal activity.• Commission of or active participation in a riot, or insurrection.• Bungee cord jumping, parachuting, skydiving, parasailing, hang-gliding.• Flight in, boarding or alighting from any aircraft except as a fare-paying passenger on a

regularly scheduled commercial airline.• An accident if the covered person is the operator of a motor vehicle and does not possess

a valid motor vehicle operator’s license, except while participating in Driver’s Education Program.

• Medical or surgical treatment, diagnostic procedure, administration or anesthesia, or medical mishap or negligence, including malpractice. [This exclusion applies to the Accidental Death and Dismemberment benefit only]

• Travel or activity outside the United States, except for a Medical Emergency.• Travel in any Aircraft owned, leased or controlled by the Policyholder, or any of its subsidiaries

or affiliates. An Aircraft will be deemed to be “controlled” by the Policyholder if the Aircraft may be used as the Policyholder wishes for more than 10 straight days, or more than 15 days in any year.

• Alcoholism, drug addiction or the use of any drug or narcotic except as prescribed by a Doctor unless specifically provided herein.

• Repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration.

• Repair, replacement, examinations for, prescriptions, or the fitting of eyeglasses or contact lenses.

• While the covered person is legally intoxicated (as determined by that state’s laws) or while under the influence of any drug unless administered under the advice and consent of a Doctor.

• Medical expenses and disability for which the covered person is entitled to benefits under any Worker’s Compensation Act.

• Medical expenses paid or payable under any mandatory no fault automobile insurance contract or mandatory basic reparations benefit of no fault.

• Elective Abortion. Elective Abortion means an abortion for any reason other than to preserve the life of the female upon whom the abortion is performed.

• Mental and Nervous Disorders.• Covered medical expenses for which the covered person would not be responsible for in the

absence of this Policy.• Cosmetic surgery, except for reconstructive surgery needed as the result of an injury or

sickness.• Experimental or Investigational drugs, services, supplies or any procedure held to be

experimental or investigatory by Us at the time the procedure is done.

No Prescription Drug Benefits will be paid for:• Brand name prescriptions drugs (if generic only drug option is selected)• All over-the-counter products and medications unless shown in the definition of Prescription

Drug. This includes, but is not limited to, electrolyte replacement, infant formulas, miscellaneous nutritional supplements, and all other over-the-counter products and medications.

• Blood glucose meters and insulin injecting devices.• Depo-Provera; condoms, contraceptive sponges, and spermicides; sexual dysfunction drugs.• Biologicals (including allergy tests); blood products; growth hormones; hemophiliac factors;

MS injectables; immunizations; and all other injectables unless shown in the definition of Prescription Drug.

• Medical supplies and durable medical equipment.• Liquid nutritional supplements; pediatric Legend Drug vitamins; prescribed versions of

Vitamins A, D, K, B12, Folic Acid, and Niacin – used in treatment verses as a dietary supplement; and all other Legend Drug vitamins and nutritional supplements.

• Anorexiants; any cosmetic drugs including, but not limited to, Renova and skin pigmentation preps; any drugs or products used for the treatment of baldness; and topical dental fluorides.

• Refills in excess of that specified by the prescribing Doctor, or refills dispensed after one year from the original date of the prescription.

• Any drug labeled “Caution – limited by Federal Law for Investigational Use” or experimental drugs.

• Any drug which the Food and Drug Administration has determined to be contraindicated for the specific treatment.

• Drugs needed due to conditions caused, directly or indirectly, by a covered person taking part in a riot or other civil disorder; or the covered person taking part in the commission of a felony.

• Drugs needed due to conditions caused, directly or indirectly, by declared or undeclared war or any act of war; or drugs dispensed to a covered person while on active duty service in any armed forces.

• Any expenses related to the administration of any drug.• Drugs or medicines taken while in or administered by a Hospital or any other health care

facility or office.• Drugs covered under Worker’s Compensation, Medicare, Medicaid or other governmental

program.• Drugs, medicines or products which are not medically necessary.

• Diaphragms; erectile dysfunction Legend Drugs; and infertility Legend Drugs.• Epi-Pen, Epi-Pen Jr., Ana-Kit, Ana-Guard; Glucagon-auto injection; and Imitrex-auto injection.• Smoking deterrents, Legend or over-the-counter drugs.• Replacement of stolen medication (except under circumstances approved by us), or lost,

spilled, broken or dropped Prescription Drugs.• Vacation supplies of Prescription Drugs (except under circumstances approved by us).• All newly marketed pharmaceuticals or currently marketed pharmaceuticals with a new

FDA approved indication for a period of one year from such FDA approval for its intended indication.

In addition, Critical Illness Benefits will not be paid for:• Injury or Sickness, other than one of the Covered Illnesses, even though such Injury or Sickness

may have been complicated by one of the Covered Illnesses;• The use, existence or escape of nuclear weapons, material or ionizing radiation from or

contamination by radioactivity from any nuclear fuel or waste from the combustion of nuclear fuel;

• Misuse of medication or the abuse of drugs or intoxicants;• Any Preexisting Condition, except where coverage has been in effect for a period of twelve (12)

consecutive months following the covered person’s effective date of coverage. “Preexisting Condition” means a Sickness suffered by a covered person for which he or she sought or received medical advice, consultation, investigation, or diagnosis, or for which treatment was required or recommended by a Doctor during the 12 months immediately prior to the covered person’s effective date of coverage, that directly or indirectly causes the condition to occur within the first 12 months from the covered person’s most recent effective date of coverage.

No Dental indemnity Benefits will be paid for expenses incurred:• For services and supplies not listed in the Coverage Schedule, not recognized as essential for

the treatment of the condition according to accepted standards of practice or considered experimental.

• For cosmetic procedures, including but not limited to veneers and bleaching of teeth and procedures performed primarily for cosmetic reasons.

• For services related to, performed in conjunction with, or resulting from a non-covered procedure.

• For charges in excess of the Usual and Customary rate.• For any treatment program which began prior to the date the Insured is covered under the

Policy.• For crowns, inlays and onlays on teeth that can be restored by direct placement materials.• For the replacement of crowns, bridges, dentures, inlays or onlays that can be restored to

normal function.• For the replacement of crowns, bridges, inlays, onlays or prosthetic appliance within 5 years

from the date of last placement.• For any unmarried child age 19 and over unless he is dependent upon you for support and you

claim as an exemption on your federal income tax and/or while a full-time student. A full-time student is one who is enrolled for 12 semester hours of credit in an accredited junior college, college, or university. Any exemption will end at age 26.

• For service or supplies payable under any medical expense, auto or no-fault plan.• For any condition covered under any Worker’s Compensation Act or similar law.• For services applied without cost by any municipality, county or other political subdivision or

for which there would be no charge in the absence of insurance.• During any waiting period we require. When you voluntarily end your insurance without a

qualifying event and re-enroll at a later date, your waiting period is 2 years and begins on the date your coverage first ended.

• For services that are applied toward the satisfaction of a Deductible, if any.• For services subject to a waiting period that were incurred during the waiting period.• For charges resulting from changing from one provider to another while receiving treatment,

or from receiving treatment from more than one provider for one dental procedure to the extent that the total charges billed exceed the amount incurred if one provider had performed all services.

• For hospital facility charges for any dental procedure, including but not limited to: emergency room charges, surgical facility charges, hospital confinement.

• For drugs or the dispensing of drugs.• For oral hygiene instruction; plaque control; acid etch; prescription or take-home fluoride;

broken appointments; completion of a claim form; OSHA/Sterilization fees (Occupational Safety & Health Agency); or diagnostic photographs (except for orthodontic purposes), unless included within the Coverage Schedule.

• For implants; myofunctional therapy; athletic mouth guards; precision or semi-precision attachments; treatment of fractures, cysts, tumors, or lesions; maxillofacial prosthesis; orthognathic surgery; TMJ dysfunction; cleft palate; or anodontia.

• For orthodontia, unless included within the Coverage Schedule.• For services to replace teeth that were missing (extracted or congenitally) prior to the effective

date of coverage on Our Plan. This limitation ends after 36 months of continuous coverage on the Plan. Abutment teeth will be reviewed for eligibility of prosthetic benefits.

• For composite, resin, or white fillings on posterior primary teeth. Benefits will be reduced to that of an amalgam or silver filling.

• For the replacement of a filling within 24 months of placement, unless for specific health reasons.

• For the replacement of retainers.• For sealants not applied to permanent bicuspid or molar; applied at age 15 or older; applied 3

years from a previous sealant application; applied to a decayed tooth.• For lab fees for higher metals or porcelain crowns, bridges, inlays, or onlays, unless included

within the Coverage Schedule.



January 3, 2012 3:52 PM

Glossary of Terms

The following definitions apply to the 10 payable conditions for the Critical Illness benefit:

“Cancer” means a malignant tumor characterized by the uncontrolled growth and spread of malignant cells and invasion of tissue. This includes Leukemia, Hodgkin’s Disease and invasive melanoma, but does not include:

1. non-invasive carcinoma in situ;2. Kaposi’s Sarcoma or other AIDS related cancers and cancer in the presence of Human Immunodeficiency Virus (HIV);3. Skin cancer or melanoma that is not invasive and has not exceeded .75 millimeters in depth; or4. early Prostate cancer diagnosed as T1NOMO or equivalent staging.

A Doctor certified as an Oncologist must confirm the diagnosis in writing. No coverage is provided if any symptom or medical problem which initiated the investigation leading to a diagnosis of Cancer commenced within 90 days following the effective date of coverage. In the event of any diagnosis based on such a symptom or medical problem, insurance for that covered person will terminate, and Our sole liability with respect to this benefit will be limited to a refund of premiums paid since the effective date.

“Heart Attack” means the death of a portion of heart muscle as a result of inadequate blood supply to the relevant area. Diagnosis must be confirmed in writing by a Doctor who is a certified cardiologist and should be based on new electrocardiograph changes consistent with heart attack as well as an elevation in cardiac enzyme levels.

“Renal Failure” or “Kidney Failure” means end-stage renal disease due to chronic irreversible failure of both kidneys’ ability to function, requiring the covered person to undergo regular hemodialysis, peritoneal dialysis, or renal transplantation. A Doctor who is certified in Nephrology must confirm the diagnosis in writing.

“Stroke” means that the covered person has suffered a cerebrovascular incident, excluding transient ischemic attack (TIA), producing infarction of brain tissue due to thrombosis, hemorrhage from an intracranial vessel or embolization caused by an extracranial source. There must be evidence of measurable permanent neurological deficit persisting for 30 consecutive days, supported by evidence that the deficit is resulting from the Stroke,

confirmed in writing by a Doctor who is certified as a neurologist.

“Major Organ Transplant” means a surgery, as the recipient, for transplantation of any of the following organs or tissues: 1) heart2) liver3) lung4) kidney5) bone marrow.

“Multiple Sclerosis” means unequivocal diagnosis by a consulting Doctor who is a certified neurologist of a definite diagnosis of Multiple Sclerosis producing at least two episodes of welldefined neurological abnormalities lasting for a continuous period of at least 180 days and resulting in measurable disability. For a Covered Person diagnosed with Multiple Sclerosis, he or she must survive for a period of 180 days after diagnosis by a Doctor. The diagnosis must be supported by modern imaging techniques.

“Coronary Artery Bypass Surgery” means heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts, excluding:1) non-surgical techniques such as balloon angioplasty;2) laser embolectomy; and3) other non-bypass techniques.

“Alzheimer’s Disease” means a degenerative brain disease of unknown cause that is the most common form of dementia. Memory impairment is a necessary feature for the diagnosis of this type of dementia. Change in one of the following areas must also be present: language, decision-making ability, judgment, attention, and other areas of mental function and personality. It results in a profound intellectual decline characterized by dementia and personal helplessness, and is marked histologically by the degeneration of brain neurons especially in the cerebral cortex and by the presence of neurofibrillary tangles and plaques containing betaamyloid.

“Lou Gehrig’s Disease” means amyotrophic lateral sclerosis (ALS), a rare fatal progressive degenerative disease that affects pyramidal motor neurons and is characterized by increasing and spreading muscular disease.

“Terminal Illness” means a Covered Person has a prognosis of twelve months or less to live, as diagnosed by a Doctor. For the purposes of determining the existence of a Terminal Illness, We will require that the Covered Person submit the following proof:

1) a written diagnosis and prognosis by two Doctors licensed to practice in the United States; and2) Supportive evidence satisfactory to Us, including but not limited to, radiological, histological or laboratory reports documenting the Terminal Illness.

Administered by:

Presented by:


Dental Benefits



January 3, 2012 3:52 PM

Ameritas Group Dental

Rates are guaranteed for 12 months following the effective association launch date and include Orthodontia if part of plan design.Rates include ID cards mailed to members home address.PLEASE NOTE: Rates assume enrollment in our electronic certificate (eCert) programContact your benefits administrator for details regarding these states.

COINSURANCE BASE PLAN BUY-UP PLAN

Type 1: 100% 100%

Type 2: 80% 80%

Type 3: 50% 50%

DEDUCTIBLE $75 per cal yr - Waived Type 1 (No Family Maximum)

MAXIMUM PER PERSON $1,000 per cal yr $2,000 per cal yr

PPO www.ameritasgroup.com/resources/419.asp

ALLOWANCE Type 1, 2, & 3 : 80th % of Usual and Customary

DENTAL REWARDS Dental Rewards is a program that if benefits used are less than $500 for the year then a $250 carryover will be awarded to your annual benefits maximum

WAITING PERIOD 3 months - Type 2 procedures & 6 months - Type 3 procedures (All Plan Members)

ORTHODONTIA SUMMARY Allowance All Plan Designs: In Network, discounted fee. Out of Network, U&C.

Coinsurance: 50%

Coverage for Adults: No

Lifetime Max: $1,000 per person

Waiting Period: 12 Months (All Plan Members)

TYPE 1: PROCEDURE (FREQUENCY)

Routine Exam (1 in 6 months) Bitewing X-rays (1 in 12 months)

Full Mouth/Panoramic X-rays (1 in 5 years) Periapical X-rays

Cleaning (1 in 6 months) Fluoride for Children 13 & under (1 per benefit period)

Routine Exam (1 in 6 months) Bitewing X-rays (1 in 12 months)

Full Mouth/Panoramic X-rays (1 in 5 years) Periapical X-rays

Cleaning (1 in 6 months) Fluoride for Children 13 & under (1 per benefit period)


Sealants (age 13 and under) Restorative Amalgams

Restorative Composites Denture Repair

Simple Extractions

Sealants (age 13 and under) Restorative Amalgams

Restorative Composites Denture Repair

Simple Extractions


Space Maintainers Onlays

Crowns (1 in 10 years per tooth) Crown Repair

Endodontics (nonsurgical) Endodontics (surgical)

Periodontics (nonsurgical) Periodontics (surgical)

Prosthodontics (1 in 10 years) (fixed bridge; removable complete/partial dentures)

Complete Extractions Anesthesia

Space Maintainers Onlays

Crowns (1 in 10 years per tooth) Crown Repair

Endodontics (nonsurgical) Endodontics (surgical)

Periodontics (nonsurgical) Periodontics (surgical)

Prosthodontics (1 in 10 years) (fixed bridge; removable complete/partial dentures)

Complete Extractions Anesthesia

MONTHLY RATE WITH ORTHODONTIA

AREA 1 AR, AL, IN, KY, LA, MO, MS, MT, ND, NC, NE, NM, OH, OK, SC, TN, UT, WV Not Approved in: NY, NH

Member Member + 1 Dependent

Member + 2 or More

$31.72 $60.32 $95.72

$36.16 $67.88

$105.56

AREA 2 AZ, CO, DC, DE, GA, ID, IL, KS, MD, ME, MI, MN, NV, OR, PA, RI, TX, VA, WI, WY Not Approved in: NY, NH


Member + 2 or More

$38.80 $76.08

$125.24

$45.76 $88.72

$143.80

AREA 3 AK, CA, CT, FL, HI, MA, NJ, WA, VT Not Approved in: NY, NH


Member + 2 or More

$47.52 $92.52

$150.28

$58.12 $111.56 $177.56

Administered by:

Presented by:


VSP Vision Benefits



January 3, 2012 3:52 PM

VSP Vision Benefits

VSP CHOICE NETWORK OUT OF NETWORK

DEDUCTIBLES $10 Exam/$25 Eye Glass Lenses or Frames $10 Exam/ $25 Eye Glass Lenses or Frames*

ANNUAL EYE EXAM Covered in Full Up to $45

LENSES (PER PAIR)

Single Vision Covered in Full Up to $30

Bifocal Covered in Full Up to $50

Trifocal Covered in Full Up to $65

Lenticular Covered in Full Up to $100

Progressive Up to the Bifocal Allowance Up to $50

CONTACT LENSES

Fit & Follow up Exams 15% Discount Applied to Concact Lens Allowance.See Additional Focus Features. Applied to Contact Lens Allowance

Elective Up to $130 Up to $105

Medically Necessary Covered in Full Up to $210

FRAMES $130 Up to $70

FREQUENCIES (IN MONTHS FOR EXAM/LENS/FRAMES) 12/12/24 Based on date of service 12/12/24 Based on date of service

CONTACT LENS OPTIONS (MEMBER COST)**

Progressive Lenses $55-$75 No benefit

Std. Polycarbonate Covered in Full for Dependent Children, $33 Adults No Benefit

Solid Plastic Dye $15 (Except Pink I & II) No Benefit

Plastic Gradient Dye $17 No Benefit

Photochromatic Lenses (Glass & Plastic) $31 No Benefit

Scratch Resistant Coating $17-$33 No Benefit

Anti-Reflective Coating $43-$85 No Benefit

Ultraviolet Coating $16 No Benefit

LASIK or PRK Average Discount 15% off Retail.See Additional Focus Features. No Benefit

RATES

Member Only $7.72

Member + 1 Dependent $13.76

Member + 2 or more Dependents $18.60*Dedutible applies to a complete pair of glasses or to frames, whichever is selected.**Lens Option member costs vary by prescription and option chosen

ADDITIONAL FOCUS® CHOICE NETWORK FEATURES

Contact Lenses Elective

Cost of the fitting and evaluation is deducted from the allowance and any amount left is deducted from the material allowance. Allowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts chosen in lieu of glasses. Current soft contact lens wearers may be eligible for a special program that includes an initial contact lens evaluation and initial supply of lenses. Contact VSP or your VSP provider for additional details.

Additional Glasses 20% discount off the retail price on additional pairs of prescription glasses (complete pair).

Frame Discount VSP offers a 20% discount off the remaining balance in excess of the frame allowance.

Laser VisionCare VSP offers an average discount of 15% on LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure.

Low Vision With prior authorization, 75% of approved amount (up to $1,000 is covered every two years).

RX SAVINGS

Our valued plan members and their covered dependents (even their pets) can save on prescription medications through any Walmart or Sam’s Club pharmacy across the nation. This Rx discount is offered at no additional cost, and it is not insurance. To receive the Walmart Rx discount, Ameritas plan members just need to show their original Ameritas ID card. The identifier is the Ameritas logo. It’s that easy. Or members can visit us at ameritasgroup.com and sign into (or create) a secure member account where they can print off an online-only Rx discount savings ID card.

Administered by:

Presented by:


Long Term Care Insurance



January 3, 2012 3:52 PM

Long Term Care Insurance

Help Secure your future by planning aheadLong-term care refers to a variety of services and

supports that help you with health of personal care

needs over an extended period of time.

When might you need long-term care?

You may need long-term care if you:

• Develop a prolonged or chronic illness.• Sustain a serious injury or disability.• Develop a cognitive impairment that causes

memory loss or disorientation, such as Alzheimer’s.• Need assistance due to the normal frailties of aging.

There are several types of Long-Term Care“Skilled care” refers to care given by medical personnel, such as a registered nurse or professional therapist. It requires a physician-prescribed plan of care. “Personal care” focuses on helping with your activities of daily living. It is less involved and may be provided by trained professionals or even a family member.

It isn’t just for the elderly?Most of us think of long-term care as being only for the elderly and those in nursing homes, but that’s only part of the story. Forty percent of people currently receiving long-term care services are adults under the age of 65. And, most people receive long-term care services either in their own home, or in the home of a family member—not in a nursing home.

Anyone could need help with everyday Routines.The fact is, anyone at any age may need long-term care at some point in their lives. If you sustain an extensive injury or go through a prolonged illness, you may need help with your normal daily activities, such as bathing, getting dressed, or just getting around the house. If you become cognitively impaired, you may need help with meal preparation and eating, or reminders to take medications, or other kinds of support.

Understanding your need for long term care.Although these everyday activities may seem mundane, they are essential to maintaining your independence. Your ability, or inability, to perform these regular activities of daily living give long-term care professionals and those in the insurance industry a very practical measure to use when deciding if you need long-term care. Activities of daily living, often referred to as ADLs, include such regular activities as bathing, dressing, using the toilet, transferring to or from the bed or a chair, caring for incontinence, or eating.

It’s difficult to predict how long you may need care.You can’t predict the future, but these facts might give you an idea of how long you may need long-term care. On average, someone age 65 today will need some long-term care services for three years.

Your long term care needs may change overtime.The amount and type of long-term care services you need will often change gradually over time. For example, early on you may need only occasional help for a few activities of daily living, and may choose to receive that assistance in your own home. Over time, however, you may begin to require more regular assistance and choose to live in an assisted living center.

CALL TODAY! 1-877-YES-LTCI

43% of all claims for long-term care insurance benefits are from people under age 65.

Administered by:

Presented by:


Medicare Supplemental & Medicare Advantage Plans



January 3, 2012 3:52 PM

Medicare Supplemental & Medicare Advantage Plans

Medicare Supplement Insurance (Medigap) In most states, Medicare Supplement plans, also known as Medigap, come in 10 plan options (labeled A-N). Each plan A-N has a different set of benefits, but for each plan that a private insurance company offers, the benefits must be the same. Therefore, the main way plans can vary is by cost & the underwriting requirements. You will want to choose a Medigap plan with the benefits that best suit your needs and find the insurance company that offers that plan at the lowest cost available.

Medicare Advantage Plans

Health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage.

Medicare Advantage Plans include:

• Medicare Health Maintenance Organization (HMOs)• Preferred Provider Organizations (PPO)• Private Fee-for-Service Plans• Medicare Special Needs Plans

Medicare Part D Prescription Drug Coverage :

These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, can be purchased stand alone in conjunction with original Medicare, or are included in Medicare Advantages plans labeled MAPD.

Our advisors provide expert, unbiased guidance in selecting and enrolling in the Medicare insurance that’s right for you. We have over 25 years of expertise in advising and servicing clients with their Medicare needs.*

We work with many insurance companies to help you choose the right plan to fit your needs and budget.

ETMG, LLC and Central have entered into a partnership to provide ETMG and SBU clients access to the latest news, assistance, and Supplemental Plans relating to Medicare.

Toll Free: 1-877-925-1840

1591 Washington St. East, Charleston, WV 25311 Toll Free: 1-877-925-1840 Facsimile 1-866-254-1879

Medicare Insurance providers include:

*AARP, Mutual of Omaha, and Humana Approved States: WV, NC, SC, TX, VA, OH, KY, GA and NY. (Additional States Pending Approval)

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