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IntellaBridgeCare Overview: Short Term Medical Insurance for Bridge the Gap

IntellaBridgeCare offers two types of Short Term Medical insurance plans: Simplified and Guaranteed Issue. It has an easy enrollment process and extensive eligibility. This plan is ideal for individuals who missed open enrollment, international students, and those waiting for benefits at a new job.

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IntellaBridgeCare Overview: Short Term Medical Insurance for Bridge the Gap

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  1. Agenda for March 22, 2016 HEMA Review For Audio Call in to 1-872-240-3311, Code #240-843-149

  2. IntellaBridgeCare Overview • Short Term Medical Product • Two types: Simplified and Guarantee Issue • Easy Enrollment Process • Extensive Eligibility

  3. Why Short Term Medical?A plan to bridge the gap • Missed Open Enrollment and do not have a qualifying life ever • International Student needing insurance while here • Waiting Period for benefits to begin at a new job

  4. IntellaBridgeCare Plan Details: Simplified Issue

  5. IntellaBridgeCare Plan Details: Guaranteed Issue

  6. IntellaBridgeCare Plan Details: Benefits

  7. IntellaBridgeCare Eligibility: Eligible Ages Primary applicant • Ages 2 – 64 • Children up to age 26 on parents plan Child only applications • 2 – 17 years of age • Youngest as primary

  8. IntellaBridgeCare Eligibility Must legally reside in the U.S. • Social Security number • Green Card number • Tax ID number • Visa

  9. IntellaBridgeCare Eligibility: Health History Health history questions: • No other medical insurance coverage • Pregnant or expectant father • In the process of adoption • Undergoing infertility treatment • Male over 300 lbs, female over 250 lbs

  10. IntellaBridgeCare Eligibility: Health History Cont.

  11. IntellaBridgeCare Eligibility: GI If the client answers yes to one or more health history questions Eligible to enroll into the Guaranteed Issue STM

  12. hemahelp site Review Quote & App Link – hemahelp site M 3/3/1970 NS Franklin County 43221 Brochure

  13. Guarantee Issue Link Quote Example ( Not on hemahelp sites ) Same Male 3/3/70 in Franklin County

  14. IntellaBridgeCare Eligibility: Lookback 12 month* look back *Unless otherwise mandated by state.

  15. IntellaBridgeCare Plan Limitations, Exclusions, Pre-Authorization Pgs 9-11 Participation in Hazardous Activity Participation in Interscholastic Sports Pre-existing Conditions Maternity Mental Health Prescriptions Non Emer 7 Day Pre-Authorize for Confinement, Surgery, Transplant 6 month wait on some hysterectomy and sinus surgeries

  16. IntellaBridgeCare Enrollment • 1st thru 28thth • Can choose any of the next 31 available dates Form of Payment Recurring Payment Initial Payment • EFT • Visa, MasterCard or Discover • Monthly anniversary of start date • Drawn time of application

  17. IntellaPlan Accident/CI Add on Overview • Guarantee Issue • Accident Medical Expense • Critical Illness • Accidental Death

  18. IntellaPlan Plan Details

  19. IntellaPlan Plan Details: AME Benefits

  20. IntellaPlan Plan Details: CI Benefits x3 3 categories of covered conditions Coverage varies per insured Payouts - first diagnosis ONLY No waiting periods

  21. IntellaPlan Plan Details: CI Categories

  22. IntellaPlan Plan Details: AD&D • Accidental Death • Equals chosen benefit amount

  23. IntellaPlan Plan Details: Exclusions • Full time in the Armed Forces • Eligible for Medicare (AME only) • Disability/Workers Compensation • Intentionally self-inflicted • Illegal acts • Hazardous activities • Some sports • Car accidents

  24. IntellaPlan Eligibility: Eligible Ages Primary applicant • Ages of 18 - 64 yrs old at time of enrollment • Guaranteed renewable until age 70 • Children up to age 26 on parents plan

  25. IntellaPlan Eligibility: Guarantees Including CI Guarantee Issue Guarantee Renewable until age 70

  26. Compensation Medical Portion = 18% Accident/CI Rider = 40% Monthly Commission on M Born 1970, = $47.26 month Two “Other” Ohio ST Carriers: $14 per month; $15.08 per month

  27. IntellaPlan Enrollment • 1st or 15thth • Must apply by 25th for 1st • Must apply by 9th for 15th Form of Payment Recurring Payment Initial Payment • EFT • Visa, MasterCard or Discover • 6 days before Monthly anniversary of start date • Drawn time of application

  28. NHIC Product Enrollment • E-Signature • www.vipmemberbenefits.com • Login to e-sign their application • Easiest Method • Voice Signature • 3 way call with insured on the line • Dial 210-835-9969 • Need Agent and correct product script • Drawn time of application

  29. NHIC Product Post Sale: Instant Access • Client can: • Print Temporary ID Card • Access Lifestyle Innovations benefits • Change payment types • View all policy documents www.vipmemberbenefits.com

  30. NHIC Product Post Sale: Member Services • Policy changes • Coverage levels • Effective dates • Name or address • Claims • Cancellations • In writing • 10 days in advance 888-781-0585 Memberservices@ahcpsales.com

  31. Agent Contracting: Link will follow this webinar Very Easy

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