Assurant Health. 2 Charging Face of Health Care There have been many economic and political changes in the last year – Health Care Reform – Increase in

Assurant Health

2

Charging Face of Health Care

• There have been many economic and political changes in the last year– Health Care Reform– Increase in major medical insurance premiums– Confusion in the marketplace

• Despite these changes, the basic consumer need HAS NOT changed– Affordable health care– Access to care– Network discounts– Great customer experience– Reputable “A” rated carrier

3

Access to Health Care

Asset Protection

• 1st Dollar Benefit

• Fixed Benefit

• Wellness / Rx

• Lower Premium

• Deductible

• Unlimited Benefit

• Wellness / Rx

• Higher Premium

Assurant Health AccessSM Supplemental

Coverage

Major Medical ProductsSupplemental Coverage Health Savings Accounts

Broad portfolio to meet spectrum of needs

3

Having Access PaysSM

Assurant Health AccessSM

5

Assurant Health AccessSM

Alternative to traditional medical insurance Assurant Health Access is suite of limited benefit

plans Value Plan Fundamentals Plan Enhanced Plan

Pays a fixed benefit for each service, regardless of actual charges

6

Assurant Health Access

√ Value√ Access to immediate medical care√ Benefits for hospitalization√ Benefits for surgery√ Outpatient services√ No deductible, co-pay or coinsurance√ National network discounts

7

Consumer Value and Education

• Patient Care – Independent health care advocacy for routine or

non-emergency care– Recommends quality doctors/facility that cost you the

least

• Network Discounts • Medco Pharmacy• Retail Clinics

– Negotiated fee of $65 at Walgreen’s Take Care Clinic

• Health Payment Advocates (HPA)– Use professional negotiators at HPA to reduce any

outstanding bills or set up a payment plan

8

Looking for affordability

• Don’t see value in traditional medical plans– Meeting a high deductible is not an option

• Place highest value on access to basic health care – They need to stay healthy to keep working– If something really bad happens … they’ll deal with it

• Haven’t had coverage or cannot afford traditional plans

• Dropping an IM or Group plan• Child-only major medical is unavailable

9

Everyday needs

Plan Feature Value Fundamentals Enhanced

Office visits $50 each for 2

visits$50 each for 4

visits$75 each for 4

visits

Prescriptions Rx Discount

Discount plus:

$10 for generic / $25 for brand/

$750/CY

Discount plus:$10 for generic

/$35 for brand/$750/CY

ImmunizationAllergy Shots

$10 per immunization

$10 per allergy shot

$100/CY combined



$100/CY combined



$100/CY combined

10

ER, Hospitalization and Surgical Benefits


Inpatient hospitalization

$1,000/day for sickness

$2,000/day for injury;

$200,000/CY


$4,000/day for injury

$500,000/CY


$6,000/day for injury

$1million/CY

Inpatient and Outpatient Surgery

Plan pays 100% of the 2010 Medicare physician surgical

schedule


schedule


schedule

Anesthesia $200 / 1 per year $200 / 2 per year $200 / 3 per year

Ground and Air Ambulance

$100/ground;

$1000/air2 trips/yr

$100/ground;$1000/air2 trips/yr

$100/ground;$1500/air2 trips/yr

Emergency Room /Urgent Care

1 urgent care or ER at $150/visit

1 urgent care or ER at $250/visit

1 urgent care at $100/visit

and1 ER at $400/visit

11

Outpatient Events


Outpatient lab & other

$100 Surgical pathology lab

$15 All lab except surgical pathology$25 Other OP Svc





Outpatient PT/OT/SP

$25/session $25/session $25/session

Outpatient radiology services

$50 x-ray or ultrasound

$130 mammogram$250 PET scan$300 CT scan

$450 MRI



$450 MRI



$450 MRI

Outpatient Calendar Year Max

$1,000/year $1,000/year $3,000/year

12

Product differentiators

• Heath Access product differentiators– Higher level of inpatient hospital confinement than many

competitors– $1,000-$3,000 on sickness and $2,000-$6,000 for injury– Doctor visits are not limited to wellness, can be used

for sickness– Inpatient is not limited to one visit per year– Lifetime maximum is large $1M-$3M– Medco pharmacy discounts typically 14-40%– Save up to 60% on outpatient laboratory services – Network discounts apply even after calendar year maximum

is reached– Discount card is included with discounts for vision care,

chiropractic care, alternative health and wellness, and more

13

At the point of serviceHow it all works• Providers

– No claim forms when client assigns benefits– Providers paid directly when client assigns benefits– Clients can find participating network doctors at

multiplan.com/assurant or by calling Patient Care

• Pharmacy– All plans -- client pays discounted rate at pharmacy– For Fundamentals and Enhanced

• Medco informs us of claim• Client receives check 2-4 weeks later• Benefit can more than cover out-of-pocket expense

1414

Circle of careConsumer Needs health coverage

Applies for Health Access

Visits doctor using insurance card

Lab work using discount network

Visits pharmacy to receive Rx Discount

Network discount applies

Benefits are applied

Customer receives EOB with balance due, if any

Can contact HPA if balance over $500

15

Health Payment Advocate Capabilities

• External advocate that customer contacts directly• Negotiations to reduce amount owed by policyholder

• Review final bill for accuracy of charges (including verifying PPO discounts, questionable charges)

• Establish payment plan to ease financial burden

HPA Contact Number 877.277.0080

16

Patient Care Can Help

• In welcome packet customer receives a Patient Care HIPAA release which they return to Patient Care to begin the process

• Customer calls Patient Care to:– Find a doctor– Find doctor/hospital for non-emergency medical services,

Common examples: Colonoscopies, MRI’s, Knee Surgery Provide cost and quality information on doctors and hospitals

• Identify lower-cost drug options • Explain and educate how to manage health care

benefitsPatient Care does not provide clinical or legal advice.

17

Support your sales

• Assurant Health helps support your sale by offering– Welcome Call to customer to

go over key value proposition

• Sends Customer a Benefits Guide post sale– Explains to the customer how

to maximize their benefit dollar

– Details of HPA and Patient Care with Contact Information

– Information on Discount card

18

Wellness benefits to help keep you healthyRoutine gynecological exam with labs

$175 Office visit $90 Lab test $265 Total visit- $116 Network

discount $149 After discount

Medical costs:

Customer must assign benefits to provider to get network discountDiscount amounts based on Assurant Health claims data. Results may vary.

Save money by asking Patient

Care to recommend a

high-quality but lower cost doctor

and facility

Value Fundamentals Enhanced

Total related charges

$149 $149 $149

Fixed-benefit office visit

$50 $50 $75

Fixed-benefit lab $15 $15 $15

Total fixed benefit paid

$65 $65 $90

Customer pays balance

$84 $84 $59

19

Sickness benefits to get you healthy againTake Care Clinic for strep throat

$65 Negotiated rate, including lab

$5 Generic Amoxicillin $70 Total related charges

Medical costs:

Value Fundamentals Enhanced


$70 $70 $70

Fixed-benefit office visit

$50 $50 $75

Fixed-benefit generic Rx

- $10 $10


$50 $60 $85

Customer pays (receives) balance

$20 $10 ($15)


Visit walgreens.com for store locator

http://www.walgreens.com/marketing/storelocator/find.jsp?tab=store%20locator&requestType=locator

20

Injury Benefits to keep you moving Broken Arm (radius)

Value Fundamentals

Enhanced


$1,790

$1,790 $1,790

Benefits PaidER /Physician Charge

$150 $250 $400

Cast Application $85 $85 $127

Follow-up office visits (4)

$100 $200 $300

X-rays (5) $250 $250 $250


$585 $785 $1077

Remaining Balance

$1205 $1005 $713

HPA @ 20% $241 $201 $143

Customer Pays $964 $804 $570

Medical costs:


$1,440 ER /Physician Charge

$300 Cast Application

$465 Follow-up office visits (4)

$475 X-rays (5)

$2,684 Total Expenses

$894 Network discount

$1,790 After discount

21

0-17 18-30 31-40 41-50 51-64

Value $54 $67 $74 $94 $144

Fundamentals $89 $109 $119 $159 $249

Enhanced $139 $169 $189 $249 $386

Sample monthly premiums

Primary policyholder

Premiums and fees may vary by state.

Assurant Health AccessAffordably priced within reach

+ One-time, non-refundable application $25 processing fee

22

Easy selling process

• Only 3 medical questions asked• Simplified rating

– Not gender rated– Not area rated– No height or weight restrictions– Not rated for risk class– No smoker status– Has very broad age bands– Based on age of primary applicant

• One-time, $25 processing fee • Simplified underwriting process improves placement• Effective date is either the 1st or 15th of the

following month

23

Demo Value Fundamentals Enhanced

Age Fam 31-40 (35%)Ind 41-50 (28%)

Ind 41-50 (30%)Ind 31-40 (29%)

Ind 31-40 (30%)Ind 41-50 (18%)

Marital Status

Not divorced or widowed

Single SingleNot married

Ind/Fam Individual or Family

Individual Individual

Income $27-76K individual$55-154K family of 4

$27-76K individual$55-154K family of 4

$43-76K

Employment status

Full time Full time Full time

Demographic Trends

• Even split between men and women• Also appealing to older age groups due to cost of traditional

medical insurance

24

New EASE layout with all three plan levels

25

Choosing words carefullyWhat Assurant Health Access is - and isn’tWhat it is:• Excepted-benefit, fixed-indemnity plan• Known benefit amount for each type of care• First-dollar benefits: no deductible, copay or coinsurance

What it isn’t:• Medical expense coverage• Major medical• Covered charges• Reimbursement• Creditable coverage

25

26

Key differences of Assurant Health Access• Strong history of major medical knowledge

– Pass along network, lab, and pharmacy discounts – Conducts research to know what consumers use/need

• Meaningful hospitalization and inpatient benefits• Includes benefits for outpatient to meet changing

market • Consumer Focused Education

– Package of Patient Care and Health Payment Advocates

• Alternatives to traditional medicine– Negotiated discounts to walk in clinics

• Dedicated service team

27

Integrated Selling with Health Access• Online process makes it easier to bundle

Accident, CI and Dental • 72% of apps have at least 1 ASC product• 41% of apps have 2 or more ASC products

28

Assurant Health Access State Availability May 2011

Rev. 3/17/11

Product Not Yet Available

TX

NM AZ

CA

NV

MT

IDWY

UT CO

ND

SD

NE

KS

LA

AR

MO

IA

MN WI MI

IL

MS

FL

GA

KY

INOH

PA

NY

SC

NC

VA WV

MEVT

NH

MA

RI

CTNJ

MDDC

DE

WA

OR

TN OK

ALAK

HI New AHA Portfolio Available(Value, Fundamentals & Enhanced Available)Current Fundamentals Product Available

29

Accident Insurance

30

Accident Insurance

• An indemnity scheduled accident policy which pays a flat benefit for each covered benefit under the plan

• Pays regardless of other coverage in place, no coordination of benefits

• Premiums can not increase based on usage• No co-pays or deductibles • Visit any hospital or doctor• Rates are designed to

remain stable• Consumer can own this policy

for as long as they live!

31

Accident Enrollment

• Two enrollment decisions – Level 1 or Level 2 benefits– 24-hour or off-the-job coverage

• Simplified issue — a few health questions• Coverage is guaranteed renewable for life• Coverage cannot be canceled based on the number

of claims filed

32

Accident Key Benefits

Benefit Summary Level 1 Level 2

Accident Emergency Treatment (ER or doctor’s office)

$100 Adult/ $50 Child $100 Adult / $50 Child

Initial Accident Hospitalization (ICU)

$1,000 $1,000

ICU Confinement $500/day $500/day

Accident Hospital Confinement $250/day $300/day

Accident Specific–Sum Injury

- BurnsUp to $2000 (2nd degree) /

$20,000 (3rd degree)Up to $2500 (2nd degree) /

$25,000 (3rd degree)

- Coma 7 days unconscious $15,000 $20,000

- Dislocation Up to $1000/$4000 Up to $1250/$5000

- Fractures Up to $3000/$4000 Up to $3750/$5000

- Lacerations $100-$800 $130-1000

- Surgical Repair Scheduled amounts up to $2000 Scheduled amounts up to $2500

Accidental-Death $30,000 $50,000

Ambulance (ground/air) $150/$1000 $200/$1500

Lodging $100/night $125/night

Major Diagnostic Exams $200 $200

Rehabilitation Unit $100/day $150/day

Accident Follow-up Treatment $25 $35

33

Accident Example

If insured was in an auto accident, he/she could receive the following benefits, which are paid in addition to any coverage provided by auto insurance or major medical.

Transportation to hospital $ 150Hospitalization $ 1,000Hospital stay $ 250ER treatment $ 100Fractured hand $ 1,000Stitches $ 4003 Physical Therapy treatments $ 75Benefits paid directly to consumer $ 2,975

Based on benefits of level 1 coverage

34

Eligibility for Accident Insurance

• Eligibility– Adult issue ages: 18 through 64– All unmarried children through age 18 (through

age 22 if full-time student, may vary by state)– Height/Weight chart – Accident Policy can cover all family members

• Rates– DO NOT vary by age or preferred/standard health class

Monthly Accident Premiums

Individual 1 Parent Family Primary/Spouse 2 Parent Family

$22.90 $31.10 $32.30 $39.80

35

Value of Access and Accident

• By laying Access and Accident the value to the consumer is clear.Example of consumer with a broken arm and how the plans would pay

ChargedDiscounted

rate Plan PaysAccident

PaysCustomer

Pays

ER fee 1900 1805 250 0 1555

ER doc 200 115 0 100 15

Surgery / Application of cast (broken arm) 300 150 150 1250 +1250

Office visit follow-ups (4) 465 300 200 140 +60

X-ray follow-ups (5) 475 240 125 0 115

$3340 $2610 $725 $1490 $375

Customer saves $1455 on this one incident by having Health Access vs. being uninsuredBy adding an accident plan, the customer’s out of pocket would be reduced to only $375.Accident is level 2, open reduction of broken arm. Actual amounts would vary, for illustrative purposes only.

36

Dental Insurance

37

Dental Coverage

• Dental is an indemnity based scheduled benefit • Describe product as a supplemental dental plan

that helps offset dental expenses• Plan pays a fixed amount for a covered dental

service, regardless of the actual cost from the dentist

• This is not dental insurance tied to a PPO

38

Dental Advantages

• Clients can keep their dentist or choose a new one — no network restrictions

• Benefits available the next day for Preventive and

Basic services• Three affordable and convenient plan designs to

meet client needs and budgets• Great incentive to foster good oral care

39

Sellable features

• No ZIP code or industry for rating• Coverage is portable• Sold ages 0-64, 63 integrated• Guaranteed renewable to age 70• Can sell a stand alone dental policy to a child• No underwriting, only dental professionals are

prohibited• Basic and Intermediate plan are not age banded

40

Dental Insurance

• If sold with Individual Medical or Assurant Health Access, only Basic Plan and Plus Plan are available

• If sold stand alone, all three plans are available

• Preventative benefits do not count toward calendar year max

Basic Plan(Level I)

Intermediate Plan

(Level II)

Plus Plan(Level III)

PreventiveSeparated by 150 days

$75 per visit $100 per visit $100 per visit

Basic Services

$25 - $200based on procedure



Major Services

None None$20 - $1,000

based on procedure

Calendar Year Max

$500 $1,000 $1,500

41

Covered Services

• Preventive Services, must be separated by 150 days:

• Basic Services: – Includes cleanings, x-rays, fluoride and sealants

– Benefits are available immediately

– Pays $75 or $100 per visit (insured liable for balance)

• Intermediate Services: – Includes fillings and tooth extractions

– Payments are 50% of the benefit for the first policy year

• Major Services (Plus Plan): – Includes crowns, root canals, periodontics and oral surgery

– Only available on level-three plan

– 180 days waiting period*, then 50% for the next 180 days

* Waiting period does not apply in all states

42

Dental Waiting Period

• Applies to the Major Services of the Plus Plan ONLY!• Applies if Stand Alone or Integrated Dental• The two new Dental states (MD and CA) will include the

180 day waiting period with first a effective date of 5/15/2011.

• The change to 180 waiting period will be implemented in an additional 21 states (AL, AR, AZ, DE, GA, ID, IA, LA, ME, MI, MS, MO, NE, NC, OK, SD, TN, TX, UT, WI and WY) with the May release, and will have a first effective date of 7/1/2011.

• We will continue to sell old integrated dental in NH - it will be the only remaining state for old dental.

• This waiting period will not apply to any inforce policies.• Premium remains the same

43

Preventive Services

• The customer will receive a flat benefit (Basic is $75 and Intermediate and Plus are $100) for each preventive visit

• Customer is responsible for any additional costs• A standard preventive visit example

Oral Exam $ 65Bitewing X-rays $ 55Dentist charges for preventive visit $120Plus Plan pays $100 preventive benefit $100Customer balance $ 20

44

Dental Rates

• Rates are age banded• Discount when 2 or more people apply• 40% discount is passed along to the consumer

when purchased at the same time as Health Access

Monthly Integrated Dental Premiums

Primary age 50 Individual Primary/Spouse 2 Parent/2 Kids

Basic Plan $9.30 $16.74 $32.58

Plus Plan $30.65 $55.08 $89.04

Monthly Stand Alone Dental Premium

Basic Plan $15.50 $27.90 $54.30

Plus Plan $51.00 $91.80 $148.40

45

Critical Illness Insurance

46


• Provides a one-time lump sum payment of up to $100,000 upon diagnosis of 15 life threatening conditions, such as cancer, stroke and heart attacks

• Payment may be used to help fight the disease while allowing the individual to focus on recovery

• Funds pay in addition to any coverage in place, including major medical

• No deductibles or co-pays to meet

47

Critical Illness (CI) Overview

• Policy term– 10 or 20 years

• Policy terminates at the earliest of:– Policy term– Age 65, the CI benefits expire– The full life face amount is paid

• Add-ons:– Spouse coverage — same amount as policyholder– No dependent coverage – Waiver of Premium – Accidental Death Benefit

48

Critical Illness (CI) Overview

• Select the amount of CI coverage first, ranging from $5,000-$100,000 in $1,000 increments

• Select the life benefit amount which will be presented as 50%, 100% or 200% of the CI amount

If an individual selects $50,000 of CI insurance, the term life options will be:

50% $25,000

100%$50,000

200%$100,000

49

Critical Illness Plan Summary

• Covered Conditions 100% benefit:– Cancer (~invasive)– Heart Attack– Stroke– Kidney Failure– Major Organ Transplant– Burns

• Covered Conditions 25% benefit– Coronary Artery Bypass– Advanced Alzheimer’s

— Blindness

— Paralysis

— Coma

— Deafness

— Loss of Limbs

— Cancer (~in situ)

— Heart Valve Surgery

50

Overcoming objections

• If I have medical coverage, why do I need additional coverage?– You will be responsible for any costs prior to deductible, plus co-

pays and any other non medical costs associated with the disease

Will your family be impacted?

• If you have a life threatening disease which requires prolonged treatment will it cause financial stress?

• Will you have to take an extended absence from work that will reduce your wages?

• Will you be able to afford the best treatment available?

51

Where will I get the money?

• Drain savings account– 61 percent of Americans could only live three months or

less on their savings, with 38 percent stating they don't have enough saved to cover one month's expenses1

• Borrow on credit cards and pay high interest rates– Credit card balances averages are $5,100 and projected

to be $6,500 at the end of the year2

• Borrow against 401k and pay fees– Percent of people who have taken a loan on their 401k is

22%, highest figure in a decade3

• File for bankruptcy– 15 million Americans will file for bankruptcy up to 60%

of people are actually capsized by medical billsSources:

1. http://www.ehow.com/facts_6777245_average-american-savings-account.html

2. http://www.hoffmanbrinker.com/credit-card-debt-statistics.html

3. http://beginnersinvest.about.com/b/2010/08/22/401k-loans-hit-10-year-high-and-average-401k-balances-up-15-over-last-year.htm

4. http://articles.cnn.com/2009-06-05/health/bankruptcy.medical.bills_1_medical-bills-bankruptcies-health-insurance?_s=PM:HEALTH

http://www.ehow.com/facts_6777245_average-american-savings-account.html

http://www.hoffmanbrinker.com/credit-card-debt-statistics.html

http://beginnersinvest.about.com/b/2010/08/22/401k-loans-hit-10-year-high-and-average-401k-balances-up-15-over-last-year.htm

http://beginnersinvest.about.com/b/2010/08/22/401k-loans-hit-10-year-high-and-average-401k-balances-up-15-over-last-year.htm

52


• Critical Illness/Life Insurance– Select coverage of $10,000, $20,000 or

$30,000– Benefits are paid in a one time lump

sum payment directly to you– Allows consumer to focus on getting the

best treatment without worrying as much about how to pay for treatment

– Coverage is available for spouse as well– Term of coverage is 10 years– Term Life benefit is part of the plan

$20,000 in coverage for a 40-year old male

is less than

$24 a month

53

Make sure you touch on

• Customer will receive:– Separate policy and premium withdrawal per product– Coverage is portable– Supplemental benefits automatically renew – Supplemental rates are designed to be stable for the

duration

• Make sure to fill out claim form for accident and assign benefits for dental

• Customer will receive a welcome call for Health Access

54

Assurant Supplemental CoverageMay 2011 Product Availability

Accident, Critical Illness & Dental

Accident & Critical Illness Only

Accident & Dental Only

Critical Illness & Dental Only

Accident Only

Critical Illness Only

Dental Only

No ASC Product Available

*FL-Dental is available integrated

only

Individual MedicalPortfolio Update

56

Valued features included in every plan

• Preventive Care• Choice of doctors and hospitals• Patient Care• Teladoc — 24-hour access to physicians by

telephone*• HealthyDiscount*• Reduction of CSD’s

*Availability varies by state and plan design.

57

Deductible1 $2,000, $3,500, $5,000, $7,500, $10,000, $15,000, or $25,000

Coinsurance 100%, 80/20, 70/30, or 50/50 (Georgia: 60/40 vs. 50/50)

Coinsurance Out-of-Pocket Maximum1 $0 to $7,500 depending on Coinsurance

Office Visit CopayOption 1: Office visits subject to deductible and coinsurance; 3 Free Teladoc visits includedOption 2: $35 – 4 visits per person, per year

Prescription Drug Coverage

Option 1: Subject to plan deductible and coinsuranceOption 2: Generic: $15 copay; Brand-name: $500 prescription

deductible1, then $25 copay with 50% coinsurance

Facility Fees

Option 1: $750 per day for the first three days as inpatient, $200 per outpatient surgery

Option 2: $200 per day for the first three days as inpatient, $200 per outpatient surgery

Option 3: No inpatient or outpatient facility fees

CoreMed Plan Design Options

1 Family deductible and coinsurance out-of-pocket maximums are two times the individual amounts listed and are met collectively by two or more persons

58

Teladoc® - Medical Care Option for Today• Access 24 hours a day, 365 days a year — by

telephone• Affordable

– CoreMed — three for FREE– OneDeductible — Consultations are only $38

• Physicians are licensed, board certified, U.S. based, and experienced

• You call or go online anytime, from anywhere– Home, work, or the road– Let the doctor come to you– A great option when you just don’t have time to sit in the

waiting room!Availability varies by state and plan design.

59

OneDeductible Plan Design Options

Deductible•Family shares one deductible•No separate deductibles

Individual plan options: $1,200, $1,600, $2,100, $2,850, $3,750, $5,000 Family plan options: $2,400, $3,200, $4,200, $5,700, $7,500, $10,000

Coinsurance 100%, 80/20, 50/50

Coinsurance Out-of-Pocket Maximum

$0 to $2,500 — depending on coinsurance

Prescription DrugsApplies to your plan deductible and coinsurance

One Decreasing Deductible:

Reduce your deductible exposure - up to 70%Availability varies by state

60

One Decreasing Deductible®

You may never pay your full deductible again!

• OneDeductible plans with:– Plan deductible of $2,850 individual / $5,700 family or

higher– 100% coinsurance

• Earn 10% deductible credit – January 1 and July 1– Credits accumulate and roll over year to year

• Until One Decreasing Deductible is satisfied• If satisfied, new credits begin the next January 1

• Decrease the amount you pay to:– $1,500 for an individual / $3,000 for a family

• Eligibility requirements applyAvailability varies by state

61

EASE Quoting Screen

62

No Prior Coverage: 30 Day Effective Date Delay• The first effective date available for customers

that do not have prior coverage will be 30 days past the date the application is submitted in the following additional states:– AK, AL, AR, AZ, FL, GA, MD, MI, MO, MT, NE, PA, SC, TN,

TX, WI, WY, IN, MN & OH– States Previously implemented:

• CO, ID, IA, LA, ND, NV, SD, UT, WV

– The spread between prior coverage and no prior coverage rates will be reduced from approximately 26% to 15%

• Change will be for 6/1 Submission dates

63

Rate Reductions (after trend)One

DeductibleCoremed

Michigan 8% na

Missouri 6-26% na

Florida 26-44% 1-25%

Georgia 1-21% 3%

Tennessee 6-11% 6-11%

64

Rate Reductions (after trend)One

DeductibleCoremed

Oklahoma 6-26% 6-26%

Virginia 6-26% 6%

Pennsylvania 6-21% 6-26%

South Carolina

11-21% 6%

Iowa na 6-26%

Rate reductions of 15-30% filed for North Carolina and West Virginia

65

Underwriting Changes

• Easier to do business with: less ratings and CSD’s! – Eliminating approximately 60% of ratings for customers

with prior coverage!• Will be issued standard• Will not apply to the following states: MI, CA, UT, ID, CT, MN, NH

– Eliminating CSD’s of $3000 and less for all business!• Conditions that historically called for a $3000 or less CSD will now

be issued standard. Drug costs will be underwritten as they are today

• If applicant would otherwise qualify for preferred coverage, they will be issued preferred!

• In states where CSD's are not allowed, alternative actions (ratings and riders) will be removed for these same conditions

Thank You!

Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, Milwaukee, WI.

J-78881

Documents

Assurant Health. 2 Charging Face of Health Care There have been many economic and political changes in the last year – Health Care Reform – Increase in