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Bundling UHOne STM and Fixed Indemnity

Get comprehensive coverage with UnitedHealthOne's Health Protector Guard indemnity plan and short-term 3x2 plan. Access a nationwide network of 6,000 hospitals and save up to 50% on claims. Choose a reliable and recognized carrier with top-tier networks. Affordable and flexible options with simplified underwriting.

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Bundling UHOne STM and Fixed Indemnity

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  1. Bundling UHOne STM and Fixed Indemnity

  2. When is 2 + 2 more than 4? When it’s UnitedHealthOne’s Health Protector Guard indemnity plan plus their short term 3x2 Combining these two plans gives access to a nationwide network of 6,000 hospitals and an average 50% claims discount Also offers security of comprehensive coverage. One plan offers first-dollar reimbursement of claims, while the other protects against the big expenses Total cost is much less than major medical coverage

  3. Carrier Strength • Why Choose Us? • UHC Brand, Size & Strength • Industry Experience • Highly Rated • Reliable & Recognized • Top Tier Networks • “Persistency Pays”

  4. Short Term Medical

  5. Short Term Medical Benefits Nationwide UHC Network: 1 Million Health Care Professionals 6,000 Hospitals Up to 50% average discount % No balance billing Flexible portfolio: Multiple Plans, Deductible, Coinsurance & Premium Choices No unnecessary benefits: Not Minimum Essential Coverage Simplified Underwriting: Primarily yes or no questions Next-day Effective Date Apply Anytime: No OEP/SEP Enrollment Periods Affordability Network driven competitive pricing

  6. Short Term Medical by the Numbers $104 $173 1.67 Average premium per member Average premium Average members per policy 2.2 months Average duration of coverage Updated as of 1/22/18

  7. Health Protector Guard

  8. HPG Differentiators What has made HPG so successful? • Built in retention benefits • Rollover doctor office benefit (up to 5 per year) • Increasing Injury reimbursement benefit • Up to $5,000 daily inpatient hospitalization benefit • ICU benefits pay in addition to daily inpatient benefit (not in lieu of) • Four-tiered surgical payout schedule • Allows maximization of surgical benefit payout (versus more common used flat amount) • The UHC brand & product persistency • The recognition of our name/brand helps with sales & persistency • UHC isn’t going to put their name on a product unless the product is high quality • Average persistency of HPG is currently modeling out at 12+ months! • Other carriers are typically stating 9-10 months • Spend your time writing NEW customers and not re-writing same customers

  9. What does HPG cover? • No lifetime maximum benefit • Pre-x covered after 12 months • Use any doctor/hospital • No coordination of benefits with other forms of insurance • Client is paid a fixed amount for covered services regardless of other health insurance they do/don’t have • Age 18-64 eligibility • High commission and bonus earnings potential • Contact The Brokerage for more compensation details

  10. Doctor Visits New Rollover Benefit How it works Members can roll over up to 5 unused doctor office visits to next year’s available benefits. Plans with effective dates prior to July 1 may roll over up to 5 unused doctor office visits per person to next year’s benefits.

  11. Wellness | Preventive Care Visits Eligible Covered Expenses How it works • Pap Smear • Mammogram • Immunizations • PSA testing • Colorectal screening • 6 month waiting period • Benefits are per calendar year • Per person

  12. Pharmacy RX benefits Drug Discount Card • National Prescription Savings Network • Up to 75% savings • Ready for member to use • RX plan benefits not required • Discount program only • 12 fills per calendar year • Member submits claim • Reimbursement paid to member • PDL: • searchrx.com/UHO or • Call 81-877-890-8077

  13. Hospital Services | Inpatient

  14. Health Protector Guard Benefits Example Client Scenario #2 30 year old male in Orlando, FL 32804 Emergency Room Visit with outpatient testing resulting in: Hospital Confinement for 35 days (15 days in ICU) & Inpatient (Tier 2) Surgery

  15. Health Protector Guard by the Numbers 1.5 $151 $231 Average Monthly Premium Per Person Average Monthly Premium Per Policy Average Members Per Policy 33 50/50 Average Issue Age Average % by gender of Applicants Updated as of 1/22/18

  16. Bundle Example (Husband & Wife, age 35, 75057 zip) $168.15 $300.71 HPG Select Value ($3K/day hospital) STM Value ($12,500 ded, $5K coinsurance $468.86 Total cost $791 for a Bronze, $910 for a Silver Plan Updated as of 1/22/18

  17. Commission to the Broker Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Bronze $9,492 annual premium x 3% = $284.76 annual comm. Silver $10,920 annual premium x 3% = $327.60 annual comm. Short Term Major Med $168.15 x 27% = $45.40 Hospital Protector Guard $300.71 x 35% = $105.24 Total Monthly Commission $150.65 x 12 months = $1,807.78 $1,480.20 more annual commission to the agent Saves client $5,293.68 per year in Silver plan premium

  18. Easy Online Quotes and Bundling Products for Delivery

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