USA BENEFITS GROUPUSA BENEFITS GROUPGUARANTEED ISSUE HEALTH PLANSGUARANTEED ISSUE HEALTH PLANS

USABGUSABG EAGLE DIVISIONEAGLE DIVISION

PROVIDING HEALTH INSURANCE SOLUTIONS FOR 36 YEARSPROVIDING HEALTH INSURANCE SOLUTIONS FOR 36 YEARS

Who is USA Benefits Who is USA Benefits Group?Group?

About the CompanyAbout the Company USA Benefits Group is a nationwide network of USA Benefits Group is a nationwide network of

health and life insurance professionals that have health and life insurance professionals that have been serving small business owners and the self-been serving small business owners and the self-employed since 1988. employed since 1988.

Non-captive agents working for you, not the Non-captive agents working for you, not the insurance companyinsurance company

25 years of Health and Life Insurance 25 years of Health and Life Insurance SpecializationSpecialization

A+ rating with the Better Business BureauA+ rating with the Better Business Bureau Representing top-rated companies as Representing top-rated companies as

determined by A.M. Bestdetermined by A.M. Best

About Your AgentAbout Your Agent USA Benefits Group Eagle Division Manager USA Benefits Group Eagle Division Manager

since 2004since 2004 4000 Customers4000 Customers 16 Third Generation Families16 Third Generation Families CHU certified since 1998CHU certified since 1998 36 Years Of Providing health36 Years Of Providing health insurance insurance

SolutionsSolutions

USA BENEFITS GROUP GOALSUSA BENEFITS GROUP GOALS Make You Aware Of All Your OptionsMake You Aware Of All Your Options

Pick Your Best Option Based On Pick Your Best Option Based On AffordabilityAffordability

Place Your Business With Companies Place Your Business With Companies We TrustWe Trust

Earn Your Business For LifeEarn Your Business For Life

CENTRAL UNITED LIFECENTRAL UNITED LIFE““Affordable Choice Plan”Affordable Choice Plan”

STABILITY AND SECURITY Our specific plan design has been used by for many years and none of those plans has ever

had a single rate increase on an in force policy !!EVER

IMPORTANT FEATURES OF ALL “Affordable Choice Plans” No Deductible + No Coinsurance No Co-pays + No Utilization Review No Preauthorization + No Pre Certification No Application, Enrollment or Admin Fees

IT’S “First Dollar Coverage” ON ALL COVERED BENEFITS

TOTAL PROTECTION PLUS TOTAL PROTECTION PLUS

BENEFITSBENEFITS

Hospital Confinement BenefitsHospital Confinement Benefits

General Care BenefitsGeneral Care Benefits

THREE FINANCIAL SECURITY BENEFITS

USABG Value Added BenefitsUSABG Value Added Benefits

Your Pre-Existing Your Pre-Existing ConditionCondition

A Pre-Existing condition is any condition for which you A Pre-Existing condition is any condition for which you have received treatment, taken medication, or have had have received treatment, taken medication, or have had treatment recommended during the immediate previous treatment recommended during the immediate previous 12 months and are not covered for one year.12 months and are not covered for one year.

You are covered from day one for all benefits, including You are covered from day one for all benefits, including hospitalization and surgery, for any other conditionshospitalization and surgery, for any other conditions

WHAT YOU DO HAVE ON THESE CONDITIONSWHAT YOU DO HAVE ON THESE CONDITIONS After the first year, you are covered for all benefits, and After the first year, you are covered for all benefits, and

for all conditionsfor all conditions Multi Plan Beechstreet Re-Pricing Benefits Usually 30% Multi Plan Beechstreet Re-Pricing Benefits Usually 30%

To 50%To 50% Karis Group Kare 360 Benefits, Usually 50+%Karis Group Kare 360 Benefits, Usually 50+% Kare 360 Surgery And Facility FinderKare 360 Surgery And Facility Finder Cut Rx = Rx + Lab + Imaging, Usually 50+%Cut Rx = Rx + Lab + Imaging, Usually 50+%

Hospital Confinement Core Hospital Confinement Core

BenefitsBenefits Daily Confinement BenefitDaily Confinement Benefit

$3,000 Per Day / $200,000 Per Year $2,000 First Confinement Benefit

Intensive CareIntensive Care $2,000 Per Day Up To 20 Days$2,000 Per Day Up To 20 Days

SurgerySurgery $50,000 Per Year + Unlimited Surgeries$50,000 Per Year + Unlimited Surgeries

Assistant SurgeonAssistant Surgeon 20% Of Surgery Benefit20% Of Surgery Benefit

AnesthesiologyAnesthesiology 20% Of Surgery Benefit20% Of Surgery Benefit

Karis Kare 360 BenefitKaris Kare 360 Benefit Bill Negotiations / 50+% Average For 15 YearsBill Negotiations / 50+% Average For 15 Years Surgery SaverSurgery Saver EOB AssistanceEOB Assistance

Multi Plan PPO NetworkMulti Plan PPO Network 30%-50% Reprising Contracts30%-50% Reprising Contracts

General Care Core BenefitsGeneral Care Core Benefits

Doctor Office VisitsDoctor Office Visits Each adult insured on the policy will have four $75 doctor “sick visits” annually. If you have to go to the ER because of sickness, we’ll pay $250 One Per Year

Allergy Shots And ImmunizationsAllergy Shots And Immunizations $20 Per Immunizations $10 Per Allergy Shot $100 Per Year

Laboratory ServicesLaboratory Services $100 Per Surgery Pathological Test $50 Per Lab Test

Ground And Air Ambulance BenefitsGround And Air Ambulance Benefits $100 For Ground $1,000 For Air

Radiology Services

- You receive PPO Reprising Discounts

- You receive $100 per mammogram

- You receive $200 per CT scan

- You receive $450 per MRI scan

- You receive $250 per PET scan

- You receive $75 per other radiology services, including x-ray and ultrasound.

You receive $25 per other outpatient event not listed

$1,500 per calendar year limit for all outpatient events

THREE FINANCIAL SECURITY VALUE ADDED BENEFITS

First Diagnosis Of Cancer Benefit $50,000 Paid On Diagnosis

55% Of All Hospital Confinements Are Cancer 70% Of Cancer Cases Are Over 45 Years Old

KARIS PATIENT ADVOCASY BENEFIT

Negotiates “HUGE” Discounts On Balances50% Average For 15 Years

MULTI-PLAN BEECHSTREET PPO NETWORKAllows For Re-Pricing Benefits On Non Covered Services

COMPLIMENTARY COMPLIMENTARY VALUE ADDED BENEFITSVALUE ADDED BENEFITS

Rx CUT CARD + HELP Rx Rx CUT CARD + HELP Rx

THESE COMPANIES HAVE SAVED CUSTOMERS OVER THESE COMPANIES HAVE SAVED CUSTOMERS OVER $127,000,000 $127,000,000 ONON PRESCRIPTIONSPRESCRIPTIONS

We have been successful many times at saving a new client more money on We have been successful many times at saving a new client more money on their their “Rx costs”“Rx costs” than the actual cost of our plan!! than the actual cost of our plan!!

Rx CUT CARDRx CUT CARD

ALSO INCLUDES HUGE ALSO INCLUDES HUGE ““50+%”50+%” DISCOUNTS DISCOUNTS LAB LAB WORK + MEDICAL IMAGING + PET MEDSWORK + MEDICAL IMAGING + PET MEDS

Affordable Choice Rx Benefits

You receive $10 generic

You receive $25 Name Brand

$750 Calendar Year Maximum

Rx And USABG Value Added Rx And USABG Value Added

BenefitsBenefits

USABG Eagle Division USABG Eagle Division Plan Options Plan Options

AFFORDABLE CHOICEAFFORDABLE CHOICE

TOTAL PROTECTION PLUSTOTAL PROTECTION PLUS Monthly Premium = $325Monthly Premium = $325 Your Drug SavingsYour Drug Savings = $132= $132 Net Cost After Rx Savings = $ Net Cost After Rx Savings = $

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