Allied™ Cost Saver WebinarAllied™ Cost Saver WebinarPresented by Randy Wehner, Sales Manager

Allied National, Inc.

Welcome to the

Overview

• The problems we’re told you face in building your business

• How Cost Saver can be a solution

• What in the world is Cost Saver?

• Your target market – Where do I go to sell it?

• What’s in it for me?

Are we right about you?

• Keeping the clients you have

• Growing your business even larger

You’re an insurance professional focusing on health insurance and facing these major challenges:

Affordable Group Health Insurance

Problem 1:

Some of your group clients can’t afford to keep their current major medical health plans.

• You have uninsured prospects who think they can’t afford coverage

• Or who have been told they can’t qualify for a group health plan

Covering theUninsured

Problem 2:

• How do I keep the clients I have?

• How do I attract new clients?

You Want to ExpandYour Business

Problem 3:

Old Solutions

• High deductible plans that cut premium costs but leave the insured with high upfront costs

• People just do without insurance

Cost Saver, an Affordable Alternative

New Solution:

Immediate benefits with affordable rates as much as 50% lower than traditional plans.

Cost Saver Covers the Uninsured

New Solution:

• No medical underwriting means any group qualifies for coverage regardless of health

• No medical applications and no rate ups! The rates you sell are the rates we issue!

• Low rates and non-medical underwriting brings new groups into the market

Cost Saver Expands Your Business

New Solution:

• Retain your current small group employer business that’s ready to stop providing group health insurance

• Find new customers ready to enter the market

What’s Cost Saver?• A group-sponsored limited benefit plan with

REAL benefits

• Features essential benefits that people want and need the most including doctor’s office copays and Rx drug copays

• Includes coverage for specialists, surgery, outpatient services and inpatient hospital stays

Cost Saver Benefits

Essential Benefits

• Office visit copay benefit in or out-of-network• After a $20 copay, 100% coinsurance in-network

or 80% coinsurance out-of-network

• No limit on the number of visits!

• Prescription drug card: Two different plan options

Cost Saver Benefits

Other Benefits

• Professional services by specialists

• Outpatient services

• Emergency room care

• Outpatient surgical and facility charges

• Inpatient facility charges

Cost Saver Options• Three plan choices with varying maximum

benefit levels• Plan 750

• Plan 1000

• Plan 1500

• Deductible of $250 or $500

• Prescription drug card• Generic drug option with a discount for

brand name drugs

• Formulary option providing coverage for generic and brand name drugs

Target MarketsCost Saver:

Who are the prospects for this type of plan?Groups…

• With low wage labor forces

• Dropping their current plan

• Not already providing coverage

• That can’t qualify for a major medical plan

Target MarketsCost Saver:

What kind of industries choose Cost Saver?

• Nursing homes and skilled nursing businesses

• Construction trades and contractors

• Trucking companies

• Convenience stores

• Restaurants

• Lawn care services

• Auto dealers and service centers

• Beauty shops

* 1099 employees are eligible

Target MarketsCost Saver:

Use Cost Saver as a class carve-out within a group:

• Union workers

• Low wage workers

• Hourly workers

What’s in it for Me?Agent first year and renewal commission!

• Any size new group: 10% flat

• Average Cost Saver group has 14 employees

• Larger groups = larger commissions

• A 100+ employee group could pay a monthly commission in excess of $2,100

What’s in it for Me?It’s easy to sell!

It’s simple:

• No medical underwriting

• No rate-ups, no rate surprises

• Easy to enroll

What’s in it for Me?A good feeling of selling something

people can afford.

Affordability:

• Low rates: 50%–60% cheaper than major medical

• Multiple plan options to fit any benefit/budget needs

What’s in it for Me?Retain and expand your business.

• Save clients leaving the group benefits market

• Find new clients who need an alternative to a major medical plan

Other Allied Products• Premium Advantage major med plans ranging

from $500–$10K deductible

• No Deductible major med plans

• HSA qualified plans

• Group Dental Design plan

• Allied™ Life and Disability

Allied has it all… To help you be a FULLbenefits provider!

In Closing…

• Cost Saver offers affordable health insurance to your clients

• Cost Saver can help you grow your business

• May Harold Patman @ NIA generate a quote for one of your groups who would benefit from Cost Saver?…

What do I do Now?

Call NIA at

1-888-243-5026 to find out more about Allied™ Cost Saver

and request a quote.