Personal Benefits Plan

Life Is Complicated. Your Company’s Health Benefits Don’t Have To Be.

Your Name©American Health Resources, Inc. 2015 – Patent Pending

What is the Personal Benefits Plan?

The Personal Benefits Plan Is An Alternative to Group Health Insurance.

Employer funds the benefit plan.

Each employee is given a Benefits Savings Account.

Funds may be used by the employee to buy whatever health insurance and other benefits they want and need.

You set the budget and let them choose

their own benefits package. It’s that

simple!

Personal Benefits Plan: The Smart Alternative to Group Health Insurance.

Benefits based on real numbers:

It eliminates the waste inherent in group

health insurance and improves employees

satisfaction.

Here’s How It Works…

1. We will show you the costs and savings for each employee’s health benefits, based on real market data

and actual employee needs.

2. Based on that, you decide how much you want to deposit into each

employee’s Benefits Savings Account with AHR each month.

3. We will meet with each and every employee one-on-one to help them

choose their optimal health insurance and other benefits they

may want.

4. Employees use their Benefits Savings Accounts at AHR to pay for

the benefits they choose.

It’s Smart, Simple, and Hassle Free!

Personalized ‘Concierge’ Service

Expert help makes choosing insurance easy. Each employee gets a Personal Benefits Advocate who will help them choose their optimal coverage, based on their own unique needs:

Out-of-pocket expense & premium limits

Special kinds of coverage they may need

The doctors & hospitals they want

The insurance companies they prefer

It’s health insurance with a human touch, making benefits choices simple, pleasant and easy for your employees.

Why Provide Benefits This Way?

Growth & Retention

Employee Satisfaction & Retention

Plan Stability & Simplicity

Cost Efficiency &

Effectiveness

Each employee has unique health needs. They overwhelmingly prefer to choose their own personal benefits packages over group health insurance.

Once you shift to a Personal Benefits Plan, your benefits problem is solved. You don’t have to worry about group health insurance again.

Personal Benefits Plans are more cost efficient, & provide insulation against insurance rate increases. For most employers, these plans cost substantially less than group health insurance.

Employee Satisfaction and Retention

Each employee will have the guidance of an expert healthcare advocate to help them choose their optimal coverage.

Decisions on cost for out-of-pocket expenses & premiums

Decisions on type of coverage they want, with doctors & hospitals they like, and with companies of their preference.

Deductible?

Out of Pocket Costs?

In network Doctors?

Premium Cost?

Insurance Company? Hospital?

Real time information and reporting Online through our website Call AHR and we will help you

“A one-to-one meeting and discussion with a health benefits advocate – yielded the most-satisfied employees. 88% of these employees said they were satisfied with the process.”

Source: Landry, Kimberly, “No Small Matter: How Small Businesses Make Decisions About Employee Benefits,” LIMRA 2013

Employee Satisfaction and Retention

A variety of compliant health plans to choose from with the help of an expert to make it all very simple for you.

Infinite flexibility We offer HSA’s and FSA’s Our new Benefits Savings Account

is like no other in the industry Free Wellness Planning for a

healthier workforce

“49% of employees who describe themselves as financially stressed are looking to their employers for more help in achieving security through benefits.”

Source: Landry, Kimberly, “No Small Matter: How Small Businesses Make Decisions About Employee Benefits,” LIMRA 2013

Employee Satisfaction and Retention

That’s what benefits are all about. A Benefits Savings Account lets employees choose the benefits they want, so of course they will be more satisfied! They choose their own health insurance, and may choose less expensive coverage so they have money left over for:

Co-pays and deductibles, & anything not covered by their insurance

Life, accident, disability, dental, critical illness policies

Gym memberships or home exercise equipment

Any kind of health, recreational or nutritional product or service

Tuition and educational expenses

They can save their money for retirement, a new car, a down-payment on a home, emergencies or any other use.

Or not. It’s their choice.

See why Benefits Savings Accounts make so much sense?

..Especially for Lower Income Employees.

Offering Group Health Insurance may actually hurt your lower income employees.

They lose eligibility for subsidies and cost-sharing reductions

Group health insurance often costs more than individual policies

May have higher out-of- pocket medical expenses.

©American Health Resources, Inc. 2015 – Patent Pending

..Especially for Lower Income Employees.

A Personal Benefits Plan eliminates this problem, because it’s not considered a

‘Group Plan’ by the ACA. Your employees may become eligible for Federal cost-

sharing reductions and subsidies.

©American Health Resources, Inc. 2015 – Patent Pending

Plan Stability and Simplicity

Personal Benefits Plans are far more stable than group health insurance, because you can adapt them as needed without disrupting anyone’s health insurance policy. Adjust the dollars, not the insurance.

Personal Benefits Plans are not considered a “group health plan” by the ACA, so complex ACA rules and reporting mandates are eliminated:

No annual returns to document healthcare benefits

No Summary Plan Descriptions (SPD) or CMS Credible Coverage reports

No COBRA

ACA exempt means simple,

& stable.

More Cost Efficient and Cost Effective.

Federal protection in the Individual market.

If an insurance company overcharges for health insurance on the individual market, they must return the excess premiums to the consumer. This is one of the reasons why premiums are typically lower on the individual market than they are for group policies.

Alignment of Incentives. By providing a Benefits Savings Account, two additional opportunities of savings occur:

You eliminate waste. Now, it’s their money, and they will use it wisely to buy what they actually need.

You eliminate excess enrollment. Dual coverage and unnecessary enrollment is gone.

C O S T

Why Personal Benefits Plans are More Cost Efficient and Cost Effective.

You no longer have to buy a health policy for your whole group based on the sickest person in your group.

Personal Benefit Plans are scalable, meaning that you can set the amount you deposit into each persons’ Benefits Savings Account depending on their individual needs. There are no discrimination rules, so you can do what makes sense for each person, and your business.

Federal Subsidies: Premium tax credits and cost sharing reductions that reduce out of pocket medical expenses do two important things:

They reduce premiums now, and They insulate you from premium increases

in the future, because subsidies are based on income, not insurance premiums

Let AHR Get You Out of This Dynamic..

Have increased over 172% over the last 15 years.

Increased faster than inflation.

It’s the fastest growing expense faced by businesses to date.

Group Health Insurance Premiums:

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (Apr. To Apr.), 1999-2012; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2012 (Apr. to Apr.).

…And Simplify Your Life.

Everyone gets what they want, and you no longer have to choose for them.

Have a pro manage your benefits. We help you set a budget, & we take care of the rest. Benefits simplified.

Single Check Solution: write 1 check to AHR, & we pay all of the voluntary & other related employee benefits for you.

Reduce or eliminate future rate increases.

Never go through the turmoil of changing health plans again!

Eliminate the administrative & regulatory hassles of having a group plan. No COBRA, no reporting, no worries.

And most important: Employee satisfaction.

To Get Started, This Is What We’ll Ask Your Employees

This Is What We Will Show You

An “apples to apples” comparison between the cost of your current group health insurance, including employee out-of-pocket expenses, & the cost of a Personal Benefits Plan.

What We Will Provide

Analysis & Guidance

Implementation & Support

Regulatory Compliance

Plan Administration

Determine how much to provide for each employee, given each persons’ individual circumstances, while maintaining HIPAA compliance & financial confidentiality

• The rules for employee benefits are complex• The penalties for noncompliance are severe and very expensive.

• Complete plan administration & management, including all of the accounts you want: the Benefits Savings Accounts, as well as HSAs and/or FSAs if you need them.

• Monitor employee enrollment and expenses to ensure that your benefits budget remains appropriate

• Educate & help each employee pick their optimal individual insurance coverage• Manage new enrollments, changes, terminations moving forward• Help you rebalance your benefits budget at plan renewal dates

We’ll provide the analysis for free, so that you can make an informed decision.

If you choose to move forward, we will help each employee make the transition and provide expert, ongoing support .

There is no downside. This information will help you to choose the most cost-effective way to provide employee benefits.

Regardless of what you decide to

do, at least you will know you’ve made an informed decision.

©American Health Resources, Inc. 2015 – Patent Pending

AHR Is Committed To Our Clients

AHR takes more care of small & mid-market clients than any other provider, offering a personalized ‘concierge’ benefits experience that includes a unique combination of technology innovation, expert advice (from specially trained independent insurance brokers) & dedicated customer service. This gives our clients and their employees the freedom to choose the most personalized and hassle-free benefits plan for them and their employees. We’ve been helping employers for over 20 years, and our passion is making benefit choices simple, pleasant and easy for both you and your employees.

Thank You!

Broker Contact Information

Health Insurance with a Human Touch.