How Your Company Can Offer Affordable Health Programs to

Your Employees

NAHU Newswire

Survey: Consumer-driven health plans growing in popularity

CBSNews.com

Leading the News

Survey indicates more Americans are struggling to pay medical bills. The Washington Post (8/20, A2, Joshi) reports that "Americans are struggling to pay medical bills and are accumulating medical debt at an increasing rate," according to "survey by the Commonwealth Fund, a private foundation that supports independent research on healthcare." Over 40 percent of "adults in the 19-to-64 age group reported problems paying medical bills or had accumulated medical debt in 2007, up from [33 percent] in 2005." According to the survey, there has been "a sharp rise in the number of people spending more than 10 percent of their income on healthcare. Among people with annual income below $20,000, the figure more than doubled to 53 percent from 26 percent in 2001." Furthermore, among "those facing mounting medical bills, 39 percent used all their savings, 30 percent incurred large credit card debt, and 29 percent said medical bills left them unable to pay for basic necessities such as food, heat or rent."

Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals

Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals

NAHU Newswire

Employers increasingly offer consumer-driven health plans, survey suggests. The Triangle Business Journal (8/20) reports, "A new survey by [UBA], shows that participation in consumer-driven health plans is becoming an increasingly popular health insurance option." After surveying "18,019 health plans sponsored by 12,860 employers," UBA found that "the total number of consumer-driven health plans has increased this year by 43 percent over 2007." Consumer-driven health plans "now account for nearly 13 percent of

all plans offered by employers." According to the survey, consumer participation increased by 5 percent as well. UBA found that so far this year, "employers have contributed an average of $1,209 to health reimbursement accounts for single employees and $2,274 to family plans." While preferred provider organizations accounted for "54 percent of all plans offered," health maintenance organizations represented "21.3 percent of all plans offered.“

Today's News for the National Association of Health Underwriters from Newspapers, TV, Radio and the Journals NAHU Newswire

You Are NOT AloneMore than 70% of

American companies had double-digit healthcare

cost increases in 200659% of companies

intend to keep down rising health-care costs in 2009 by raising workers' deductibles and co-pays

From: Insurance News

144 million Americans have no form of dental coverage, [including those with jobs]

175 million Americans are either uninsured or underinsured, [regardless of employment status]

From: NADP From: NAIU

EmployerAdvantages

NOContribution RequirementsNOParticipation Requirements

FlexibilityEase of Administration

Employer Advantages Employee Retention – 2nd highest reason employees

move to another company is for benefitsNo Mandatory Participation – Unlike insurance, there

is no required percentage of employee participationNo Mandatory Contribution – Unlike insurance, there

are NO contribution requirements placed on employer. Employer may choose to pay all, part or NONE of monthly fee. Employer may decide which employees/full-timers/part-timers or independent contractors to contribute to or not contribute to.

Employer Advantages continued . . .Payroll Deduction at Employer’s discretionOne List Bill Sent to Company (w/ 5+ participants)Auto Draft (w/ less than 5 participants)Ease of Administration (easy adds and drops)Qualifies for Section 125 – Pre-Tax DollarsNo Mandatory Open Enrollment; at Employer

Discretion NO COBRA AdministrationEmployee Education by Independent Representative ID Cards mailed directly to employees’ homes

Employee Advantages

AffordabilityFreedom of ChoiceCoverage for FamilyNo Waiting PeriodsNo Medical QualifyingPre-Tax Dollars Portability

Employee Advantages

Drastically lowers cost of HealthcareLow Monthly fees, whether Employer contributes

or notPayroll Deduction Available at $3.42/week -

$13.85/week depending on plan selectedNo Waiting Period to use Plans No Deductibles to meetInstant SavingsUp to 80% Savings or More

Employee Advantages continued…

No Exclusions of pre-existing or ongoing conditions

May Select Plan of choice of 4 optionsMay use Pre-Tax DollarsNo Paperwork or Reimbursement WorriesSpecialists included, where available, even

cosmeticOrthodontics & Cosmetic Dentistry included with

Dental Plan

Employee Advantages continued…

May choose and change provider within network without prior approval or notification

May refer and recommend personal dentist or physician if not a participating provider in network

No Limits of Services or VisitsNever Pay Retail for Health ServicesNo Age LimitsHousehold Fees include anyone living at residence,

regardless of relationship or age

Plan Options and Comparison

A Comparison of our Dental Plan vsTraditional Dental Insurance.

Our 4 Plan Options, what they include and Pricing.

ComparisonDental Insurance Consumer-Driven Dental

Plan $50.00 - $75.00 per month 60 to 180 day waiting period 6-12 month waiting period for

pre-existing conditions $50 - $100 deductible Claim forms to file $750 - $1500 annual maximum limit State restricted Orthodontics may not be covered or may

exceed annual limit Approval req’d for change of dentist Specialists may exceed annual limit Premium rate may vary any time Vision, Rx, Chiropractic extra cost

$14.95 - $19.95 per month No waiting period On-going conditions accepted with no

waiting None ------ Instant Savings! No paperwork to file No limits on services or visits or age Nationwide access to services Orthodontics for children and adults, with

no limits Change dentist without approval Specialists included Fees guaranteed for two years Vision, Rx, Chiropractic at NO extra cost

Plans to Choose FromPLAN IDental withVisionPrescriptionChiropractic

Individual:$14.95/mo or $3.42/weekHousehold:$19.95/mo or $4.61/week

PLAN IIMedical withDoctor VisitsLaboratoryAncillary (MRI, etc.)Hospital Advocacy24 Hour Nurseline

Household: $29.95/mo or

$6.92/week

Plans to Choose From continued…PLAN IIIDental with MedicalIncluding:Vision, Prescrip., Chiro,Doctors VisitsAncillaryHospital AdvocacyNurselineHousehold:$39.95/mo or

$9.23/week

PLAN IVDental with Medical as inPlan III details; Including also:Auto Club (Sign & Drive)Discounted Legal ServicesIdentity Theft Protection

Household:$59.95/mo or $13.85/week

Group Requirements

Although requirementsare minimal, there are requirements that must be met in order to have a smooth group sales process.

Group RequirementsMust have minimum 5 employees for monthly List BillUnder 5 employees, corporate will auto-draft the company

accountWith 51+ employees, registration fees ($20-30) are waived

automaticallyMust send 1st month payment with applications and

Employer Acceptance Letter1st month’s payment may be made with company check or

company credit card (photocopy of credit card required)May NOT fax initial paperwork into corporate. Must mail initial paperwork (originals) and 1st month’s

payment into corporate (recommend overnight or 2nd day air with delivery signature required)

Future adds/drops to existing group account may be faxed to corporate Group Division

How Big is The Need and How Large is The Market?The Dental Crisis in America

Millions of Americans Need Affordable Dental Care.

Not only is it affecting people's teeth and quality of life, but its affecting their overall health!

Over 100 million Americans do not have dental insurance and the lack of coverage is leading to

problems such as school absence, unemployment, and death.

Michelle Miller, CBS

News

We have a solution !

CBS News special report on the

Dental Insurance Crisis 

Click this link: CBS News Special Report On Dental Insurance Crisis in

America

A new window will open and a short commercial will precede the Report.