UNICARE

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UNICARE
The Cure for Healthcare
Start
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• UNICARE is part of WellPoint Health Networks,
  Inc., one of the largest health care companies in
  the nation!

WellPoint is a Fortune 500 company, and has been
recognized as Fortunes Most Admired health
care company for the last two years
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• UNICARE is reinventing
• the Individual and Small Group
• insurance market!

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What's the state of the industry?

• Public versus corporate points of view...

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INDIVIDUALS (non-Poor)
Range of existing Plans
Source California Healthcare Foundation -
1999
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(No Transcript)
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Source Watson Wyatt Worldwide
12,000 8 70
1,200 24 23
150 68 7
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Opportunity is knocking!
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Individual and Family Medical Plans
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Our Individual Medical Plans Offer

• Lifetime maximum of up to 5 million
• Wide choice of plans
• Preventive Care
• Out-of-Pocket Maximums provide protection against
  catastrophic expenses
• MedCall 24-hour nurse hotline
• No claim forms with network providers

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Individual Plan Choices

• UNICARE Saver 2000 Plan
• High Deductible for Medical Savings Accounts
• (MSAs)
• UNICARE Plans offer several deductibles
• 2,000
• 1,500
• 1,000
• 500
• UNICARE Premier No Deductible Plan
• Term Life Coverage

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We offerLOW-MEDIUM-HIGHplan options based
onplan design and premium!
Please note New sales brochures present
benefits and share of costs in a you pay
(this) format
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Individual Family Medical Plans Features

• Saver 2000 Plan provides in-hospital coverage
  with 2,000 deductible
• Deductible plans with choice of 5 deductibles!
• Premier No Deductible Plan (with NO Annual
  Deductible!)
• 30 Co-Pays for in-network physician office
  visits on all plans!
• Office visit co-pay excludes lab and x-rays

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Individual UNICARESaver 2000 Plan Features

• Covers hospitalization and provides some limited
  benefits
• 2 office visits to participating providers per
  member, per year (adult) before deductible is met
  for a 30 Copay
• No preventive care benefit
• (except for babies and children through age 6)
• Employment-related accidental injury or illness
  covered (unless covered by Workers Compensation
  Insurance or Employer liability laws)
• No Maternity

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Individual UNICARESaver 2000 Plan Share of Costs

• Drug Co-pays
• Retail (30 days)
• 10 for Generic
• 25 for Brand Name
• Mail order (up to 60 days)
• 20 for Generic
• 50 for Brand

• 2,000 medical deductible
• UNICARE pays 70, you pay 30 for inpatient
  facility and eligible professional charges
• 200 Brand Name drug deductible
• 500 Drug Maximum, per member per year
  (in- and out- of network)

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Individual UNICARE Deductible Plans

• Four separate plans with a choice of deductibles
  and in-network coinsurance levels
• Up to 4 office visits to participating providers
  per member (adult) before deductible is met for a
  30 copay
• 200 worth of covered charges for Preventive Care
  for children and adults (subject to deductible
  and coinsurance)
• Employment-related accidental injury or illness
  covered
• (Unless covered by Workers Compensation
  Insurance or Employer liability laws)

Other than mandated benefits
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Individual UNICARE Deductible Plans Share of Costs

• 5 Deductible plans
• 2,000
• 1,500
• 1,000
• 500

• 80/20 to 3,000 in-network out-of-pocket max. on
  the 500 and 1,000 plans
• 70/30 to 3,000 in-network out-of-pocket max. on
  the 1,500 and 2,000 plans

Must also meet deductible
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Individual UNICARE Deductible PlansPrescription
Drug Share of Costs
Drug Co-Pays for all plans Retail (30
days) 10 for Generic 25 for Brand
Name Mail order (up to 60 days) 20 for
Generic 50 for Brand Name

• Brand Name Drug Deductibles
• According to Plan
• Plan Deductible
• UNICARE 500 50
• UNICARE 1,000 100
• UNICARE 1,500 150
• UNICARE 2,000 200

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Individual UNICAREPremier No-Deductible Plan
Features

• Rich benefits and no annual deductible
• Unlimited office visits
• 200 worth of covered charges for preventive care
  for adults
• (subject to any coinsurance or copay)
• Employment-related accidental injury or illness
  covered (Unless covered by Workers
  Compensation Insurance or Employer Liability Laws)

Other than mandated benefits
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Individual UNICAREPremier No-Deductible Plan
Share of Costs

• No brand name drug deductible
• No drug maximum limitation
• Drug Co-pays
• Retail (30 days)
• 10 for Generic
• 25 for Brand Name
• Mail order (up to 60 days)
• 20 for Generic
• 50 for Brand

• 30 Copay
• 80/20 to 3,000 in-network out-of-pocket maximum

Must also meet deductible
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Other Common Elements
Annual Out-of-Pocket Maximum

• Individual
• 3,000 on all plans for in-network charges!
• 10,000 on all plans for out-of-network charges!

• Family
• 6,000 on all plans for in-network charges!
• 20,000 for out-of-network charges on all plans!

Office Visits 30 office visit copay excludes lab
and x-rays
Must also meet deductible
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Affordable Term Life Insurance for Individuals
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Affordable Term Life Insurance

• Individual Term Life insurance is available to
  anyone who qualifies for one of our medical plans
• Easy to apply for Have applicant check the box
  on application form and complete the Term Life
  Insurance Application Addendum

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Marketing Strategies

• 70 of those in the market dont have a Life
  insurance agent
• Window of opportunity people dont buy Term Life
  insurance unless YOU sell them Term Life
  insurance
• Sound financial planning Term Life is a
  financial safety net for your clients and those
  who depend on them

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UNICARE stands behind you!
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Key Features to Look For in an Agent Agreement
Future renewals based on commission schedule in
force when case was written.
Renewals paid for as long as case is in force.
Ownership and assignment provisions.
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Our Commitment to YouYour UNICARE Agent
Agreement

• Ownership contract
• (six cases issued)
• Corporations can be licensed

• No limitations on renewals
• Do not accept agent of record on individual
  business

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UNICARE Compare the difference!

• UNICARE Competitor
• Plans Plans
• First Year Commission 20 ?
• Contract Ownership Yes! ?
• Free Quoting Software Yes! ?
• Access to Underwriters Yes! ?
• AgentOnline/AgentConnect Coming ?

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Supplemental Income

• Example of individual production at one case per
• week. Average premium of 150 per case, 20
• commission first year-accruing scale.
• Month 1 120
• Month 2 240
• Month 3 360
• Month 4 480
• Month 5 600

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Thank you and Good Selling!