ryan's presentation

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

Protection for LifeHelping to protect your health, income and family


Legal use

The following is a customer presentation prepared for agents of HealthMarkets Insurance Agency.

This presentation and its materials are the property of HealthMarkets and are to be used only for the purpose intended. Any unauthorized dissemination or online posting of these materials, or excerpts of these materials, through other methods is strictly prohibited.

HealthMarkets Insurance Agency is the d/b/a, or assumed name of Inshpere Insurance Solutions, Inc. which is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state.

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About Me

► 8 years insurance experience► Licensed with the following insurance companies:

– Health: Massachusetts Health Connector & HSA Insurance– Life: Transamerica, Voya, Minnesota Life, John Hancock,

etc.– Medicare: United Healthcare (AARP)/Harvard Pilgrim,

Fallon, Tufts, Aetna, Humana

► Active in the following local organizations– Wrentham/King Philip Youth Sports – KPW Hockey– Business Network International (BNI)

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Best For Your Budget

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Understanding the needs of you and your family

Combining the products to give you the best level of coverage for your budget

Health Medicare Health & Wellness

Supplemental Long-Term Care Association

Life Retirement


We are one of the largest insurance distribution companies in America

with more than 3,000 agents nationwide.

HealthMarkets Insurance Agency

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HealthMarkets provides solutions that meet the health and financial protection needs of individuals and families.


Life is Full of Milestones and Surprises

Along the way we can help you with Protection for Life

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Protect Your Health, Your Income, Your Family


The Protection You Need at 30 … … is different at 45 or 65 YOUNG FAMILY (Age 30 – 40)On Your Mind: Planning ahead to protect you family, your income and your future► Health Insurance► Supplemental Insurance► Life Insurance

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These recommendations are general guidelines based on commonalities we notice among our customers. The information and product listed are not meant to be interpreted as appropriate for everyone, as each individual has unique needs and circumstances.

NEARING EMPTY NEST (Age 40 – 55)On Your Mind: Planning ahead to protect you family, your future long-term care needs and protect your assets for retirement► Health Insurance► Supplemental Insurance► Life Insurance ► Retirement Income► College Funding

RETIREMENT (Age 65+)On Your Mind: Protecting and managing your assets for financial stability► Medicare Plan &

Supplements► Retirement Income► Life or Final Expense

Insurance

CLOSE TO RETIREMENT (Age 55 – 64)On Your Mind: Planning for retirement by protecting the assets you’ve accumulated over the years► Health Insurance► Supplemental Insurance► Life Insurance► Retirement Income► Long-Term Care

Insurance


Protection for Life has Three Primary Components

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Your family has hopes and dreams for the future—life insurance can help protect them

Expecting the unexpected is one thing, paying for it can be quite another. Supplemental insurance can pay you a direct cash benefit to help with expenses

A good health policy is indispensable and can also be surprisingly affordable


Health Care Reform

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HealthMarkets provides guidance to help you understand your options under health care reform.

Subsidy

On ExchangeOff Exchange


The Affordable Care Act

Protections under Health Reform: ► Lifetime limits are prohibited and annual limits are restricted

► You can't be refused insurance or charged more because of a pre-existing condition

► Children up to age 26 may remain on a parent’s policy ► Preventive services must be covered and cannot have cost-sharing

► Many people are now eligible for a break on health insurance costs through tax credits called subsidies

► All individual and small group health policies are required to include certain “essential health benefits.”

– Those benefits include coverage on ambulatory patient services; emergency services; hospitalization; maternity and newborn care; and more.

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The Metal Plans (On Exchange)

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Bronze Plan

Silver Plan

Gold Plan

Platinum

Plan

Bronze Level Plan covers

approximately 60% of

expected costs

Silver LevelPlan covers

approximately70% of

expected costs

Gold Level Plan covers

approximately 80% of

expected costs

Platinum Level

Plan covers approximately

90% of expected costs

Lowest Premiums

HighestPremiums


What is a Qualifying Event?

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High Cost of Health Care & Bankruptcy

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Illness and medical bills contributed to more than 62% of all bankruptcies.

(1) Statistics from a Harvard University report “Medical Bankruptcy in the United States, 2007” published in The American Journal of Medicine®

And of those filing bankruptcy, almost 78% had

health insurance.1


Fact Finding: Health

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1 in 8 persons seek medical attention from an injury each year

67% of all Emergency Room visits are injury related

The average hospital stay is 4.9 days

The average cost of a hospital stay has doubled

The Healthcare Cost and Utilization Project, sponsored by the Agency for Healthcare Research and Quality (AHRQ). Statistical Brief 146, Costs for Hospital Stays in the United States, 2010, Anne Pfuntner, Lauren M. Wier, M.P.H., and Claudia Steiner, M.D., M.P.H. | FaceTheFactsUSA.org | National Safety Council, Injury Facts, 2012 | CDC National Hospital Ambulatory Medical Care Survey, 2009


Supplemental Insurance

42% of Americans say they live paycheck to paycheck

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How will we cover our day-to-day expenses

if one of us is sick or injured?

How long can we afford for one

of us to be out of work?

Supplemental insurance can pay a cash benefit to you and can help protect you financially

Can we pay our health insurance

deductible without using our savings or going into

debt?

2010 CareerBuilder survey


In households with children under the age of 18, if the primary breadwinner died today …

Why Life Insurance is Important

4 in 10… say they would have immediate trouble meeting everyday expenses

7 in 10… say they would have trouble meeting everyday expenses within 90 days

LIMRA International, Inc.


Fact Finding: Life

LIMRA International, Inc.

In households with children under the age of 18, if the primary breadwinner died today, 4 in 10 say they would have immediate trouble meeting everyday expenses and 7 in 10 say they would have trouble meeting everyday expenses within 90 days.

93% of people think life insurance is necessary but …

5 in 10 households feel they don’t have enough

The top reason people don’t buy life insurance is because they believe they can’t afford it.

REALITYPERCEPTION


Customized Protection for Life Solution

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Creating your Customized Protection for Life Solution includes:

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