Allied? Cost Saver

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Welcome to the
Allied Cost Saver WebinarPresented by Randy
Wehner, Sales ManagerAllied National, Inc.
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Overview

• The problems were told you face in building your
  business
• How Cost Saver can be a solution
• What in the world is Cost Saver?
• Your target market Where do I go to sell it?
• Whats in it for me?

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Are we right about you?
Youre an insurance professional focusing on
health insurance and facing these major
challenges

• Keeping the clients you have
• Growing your business even larger

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Affordable Group Health Insurance
Problem 1
Some of your group clients cant afford to keep
their current major medical health plans.
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Covering theUninsured
Problem 2

• You have uninsured prospects who think they cant
  afford coverage
• Or who have been told they cant qualify for a
  group health plan

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You Want to ExpandYour Business
Problem 3

• How do I keep the clients I have?
• How do I attract new clients?

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Old Solutions

• High deductible plans that cut premium costs but
  leave the insured with high upfront costs
• People just do without insurance

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Cost Saver, an Affordable Alternative
New Solution
Immediate benefits with affordable rates as much
as 50 lower than traditional plans.
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Cost Saver Covers the Uninsured
New Solution

• No medical underwriting means any group qualifies
  for coverage regardless of health
• No medical applications and no rate ups! The
  rates you sell are the rates we issue!
• Low rates and non-medical underwriting brings
  new groups into the market

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Cost Saver Expands Your Business
New Solution

• Retain your current small group employer business
  thats ready to stop providing group health
  insurance
• Find new customers ready to enter the market

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Whats Cost Saver?

• A group-sponsored limited benefit plan with REAL
  benefits
• Features essential benefits that people want and
  need the most including doctors office copays
  and Rx drug copays
• Includes coverage for specialists, surgery,
  outpatient services and inpatient hospital stays

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Cost Saver Benefits

• Essential Benefits
• Office visit copay benefit in or out-of-network
• After a 20 copay, 100 coinsurance in-network or
  80 coinsurance out-of-network
• No limit on the number of visits!
• Prescription drug card Two different plan
  options

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Cost Saver Benefits

• Other Benefits
• Professional services by specialists
• Outpatient services
• Emergency room care
• Outpatient surgical and facility charges
• Inpatient facility charges

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Cost Saver Options

• Three plan choices with varying maximum benefit
  levels
• Plan 750
• Plan 1000
• Plan 1500
• Deductible of 250 or 500
• Prescription drug card
• Generic drug option with a discount for brand
  name drugs
• Formulary option providing coverage for generic
  and brand name drugs

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Target Markets
Cost Saver

• Who are the prospects for this type of
  plan?Groups

• With low wage labor forces
• Dropping their current plan
• Not already providing coverage
• That cant qualify for a major medical plan

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Target Markets
Cost Saver

• What kind of industries choose Cost Saver?

• Nursing homes and skilled nursing businesses
• Construction trades and contractors
• Trucking companies
• Convenience stores
• Restaurants
• Lawn care services
• Auto dealers and service centers
• Beauty shops
• 1099 employees are eligible

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Target Markets
Cost Saver
Use Cost Saver as a class carve-out within a
group

• Union workers
• Low wage workers
• Hourly workers

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Whats in it for Me?Agent first year and renewal
commission!

• Any size new group 10 flat
• Average Cost Saver group has 14 employees
• Larger groups larger commissions
• A 100 employee group could pay a monthly
  commission in excess of 2,100

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Whats in it for Me?Its easy to sell!

• Its simple
• No medical underwriting
• No rate-ups, no rate surprises
• Easy to enroll

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Whats in it for Me?A good feeling of selling
something people can afford.

• Affordability
• Low rates 5060 cheaper than major medical
• Multiple plan options to fit any benefit/budget
  needs

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Whats in it for Me?Retain and expand your
business.

• Save clients leaving the group benefits market
• Find new clients who need an alternative to a
  major medical plan

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Other Allied Products

• Premium Advantage major med plans ranging from
  50010K deductible
• No Deductible major med plans
• HSA qualified plans
• Group Dental Design plan
• Allied Life and Disability

Allied has it all To help you be a FULL benefits
provider!
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In Closing

• Cost Saver offers affordable health insurance to
  your clients
• Cost Saver can help you grow your business
• May Harold Patman _at_ NIA generate a quote for one
  of your groups who would benefit from Cost
  Saver?

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What do I do Now?

• Call NIA at
• 1-888-243-5026 to find out more about Allied
  Cost Saver
• and request a quote.