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“INSURED” HRA
WEBINARTODAYS’ BEST HEALTH INSURANCE COST
SAVING STRATEGY
FULLY COMPLIANT WITH NATIONAL HEALTH
REFORM
2012-1-3 PS-PP-DC
For Agent Use Only
About Us
WE HELP INSURANCE BROKERS
prospect, sell and retain more
business and make more money!
WE “WHOLESALE” ONLY.
3 variations of medical “GAP”
insurance.
WE ARE MARKETING EXPERTS.
20+ years of successful Agency
building.
DICK
CHELTEN,
CLU, ChFC,
RHU
We Are All Here Today
Because…
Rising health care costs
Commission reduction/capitation/non
commissionable HRAs
PPACA becomes final in 2014
Every Agent is looking for new income
strategies
How We Can Help
“INSURED” HRA Supplemental
Product
Terrific alternative to traditional HRA
“wraps”
Fully Compliant with PPACA
“INSURED” HRA PAYS LEVEL
COMMISSIONS
How We Can Help
“Unique Selling Proposition”
Continued
REDUCE HEALTH COSTS often as much as 10-20%
COMPLYS WITH NATIONAL HEALTH REFORM
MAINTAIN BENEFITS
MAINTAIN CURRENT CARRIER
Create custom plan without network change
ELIMINATE EMPLOYER RISKS
Level Premiums/Outcome are guaranteed
CAN BE EXPLAINED IN 12 MINUTES OR LESS
How It Works
1. Raise current plan deductible
2. Add supplemental Insured HRA policy
3. Two Plans- Equivalent coverage for less cost
Health plans with $5,000+ in
deductibles/coinsurances
Health plans where single rate for HDHP is $100+
lower than current.
Works best with fully insured plans.
Sample Case – Employment Services
This sample case is for agent use only. This sample case is simply an illustration of how the Insured HRA concept can work. It
is not intended to indicate rates or savings for other groups. Because there are many different plan designs, variations in claim
risk, medical plans the rates and savings will vary by group. Contact your agent for a quote and savings illustration
Sample Case – Consultant Firm
This sample case is for agent use only. This sample case is simply an illustration of how the Insured HRA concept can work. It
is not intended to indicate rates or savings for other groups. Because there are many different plan designs, variations in claim
risk, medical plans the rates and savings will vary by group. Contact your agent for a quote and savings illustration
Sample Case - Auto Dealership
This sample case is for agent use only. This sample case is simply an illustration of how the Insured HRA concept can work. It
is not intended to indicate rates or savings for other groups. Because there are many different plan designs, variations in claim
risk, medical plans the rates and savings will vary by group. Contact your agent for a quote and savings illustration
Sample Case – Public School District
This sample case is for agent use only. This sample case is simply an illustration of how the Insured HRA concept can work. It is not intended to
indicate rates or savings for other groups. Because there are many different plan designs, variations in claim risk, medical plans the rates and
savings will vary by group. Contact your agent for a quote and savings illustration
What’s not covered?
“Professional” fees - doctor’s office visit
Outpatient RX
We don’t cap deductibles
Insured HRA works with HDHPs
providing Dr. Office and RX
Copays
Not HSA compatible
Suggested Prospects
Any 50 +
Group From
ANY
CARRIER
AUTO DEALERSHIPSPUBLIC EMPLOYEES
LAW FIRMS
“CADILLAC”
HEALTH PLANS
HOW TO GET AN INSURED HRA QUOTE
visit:
WWW.CHELTENBENEFITSGROUP.COM
Please provide:
Current plan rates and Benefits plan outline
Renewal plan rates
Alternate high deductible rates and benefits outline
# of singles, couples, and families.
NO AGE CENSUS REQUIRED!
*sample quote request
SUMMARY
BEFORE YOU IMPLEMENT A
“TYPICAL” HRA,
CONSIDER AN “INSURED” HRA:
PPACA Compliant
No Employer risk
Level premiums
PAYS COMMISSIONS
Guarantees savings to the
penny
LEARN ABOUT SMARTPHONE “APPS”
AND INSURED HRA’S
Phone: 248-464-6544
Fax: 248-464-6543WWW.CHELTENBENEFITSGROUP.COM
