Self Insured Medical Plan Overseas for Less (SIMPOL), a medical tourism insurance progam for self insured

The answer is SIMPOL.

?Trying toget away

from risinghealthcare costs

S I M P O Lelf nsured edical lan verseas for ess The world’s first medical tourism based benefit, only from PlanetHospital.

www.PlanetHospital.com 800.243.0172www.PlanetHospital.com 800.243.0172SIMPOL, PlanetHospital and Self Insured Medical Plan Overseas for Less are registered trademarks of PlanetHospital.com, LLC

IntroducingPlanetHospital’s SIMPOL PLAN

S I M P O Lelf- nsured edical lan verseas for ess

Taking your healthcare plan in a new direction.

PlanetHospital, the creator of the SIMPOL PLAN, will take care of all the logistics for the employer so that there are no additional costs or resources wasted in implementing the significant savings. Best of all, SIMPOL does not cost any monthly premiums or usage fees.

PlanetHospital will arrange all air, hotels, transfers, medical records and more without charging the employers an extra penny (because it is compensated by the hospital and travel partners). Optional insurances to protect your employees while they travel and PlanetHospital’s reputable concierge service is also available to take care of your employees from the moment they land, to the moment they leave. All your employee has to do is just show up.

Self Insured Medical Plan Overseas for Lessis a NO-COST, non-insurance benefit for Self Funded or Limited Benefit plans which offers savings on medical care by allowing employees to go abroad for their medical or dental needs. It brings the phenomenon of Medical Tourism to the workplace.

Employees are excited to accept this benefit because they receive an all expense paid trip to state of the art hospitals at amazing locales without paying any co-pays, deductibles, or being overwhelmed by multiple hospital bills and administration.

Employers experience extraordinary savings not only for individual procedures but also on their overall healthcare costs and premiums.

www.PlanetHospital.com 800.243.0172www.PlanetHospital.com 800.243.0172SIMPOL, PlanetHospital and Self Insured Medical Plan Overseas for Less are registered trademarks of PlanetHospital.com, LLC

Affordable Quality HealthcareAround the World

SIMPOL and safe.SIMPOL

PlanetHospital

is, simply put, a low cost healthcare option that can help you and your company combat the rising cost of health care by engaging affordable world class surgeons (US licensed or equivalent) who practice in state-of-the-art hospitals (that are JCI accredited) in another country.

With PlanetHospital’s SIMPOL Plan, you get a choice of surgeons who practice at JCI facilities in Mexico, Thailand, Costa Rica, Panama, Belgium, Singapore, and more. You get amazing cost savings without any compromise to the quality of care, and there are no monthly fees or dues to pay.

will communicate with your employees about the safety of these facilities, we can even arrange for an employee and a benefits administrator to visit the facility to learn more and help you design an incentive program for your employees which would motivate them to help you save money.

www.PlanetHospital.com 800.243.0172

What does SIMPOL cost?

Sample prices. International prices include airfare, hotel and bundled procedure costs.

www.PlanetHospital.com 800.243.0172SIMPOL, PlanetHospital and Self Insured Medical Plan Overseas for Less are registered trademarks of PlanetHospital.com, LLC

PlanetHospital

save you money.

SIMPOL PLAN

will help set up an incentive plan with you for your employees so that they are encouraged to visit overseas healthcare providers and save you money. We will work with your health care administrators, TPA, MGU, or stop-loss provider to make sure that PlanetHospital’s SIMPOL PLAN will

Our team is also available to educate your employees on the benefits and cost savings related to going overseas for medical care, and develop ongoing marketing materials such as newsletters e-mails and even on-site contest promotions which will help create a buy-in amongst your employees.

To prevent adverse selection or abuse, your employees must be pre-certified for the surgery. We can also customize the to only include certain procedures and destinations only.

Just add SIMPOL to your plan and watch the savings come in. It is really that SIMPOL.

A SIMPOL plan for the Employer.

What does PlanetHospital do?

No monthly fees. No sign up fees. No fees period.

PlanetHospital has made it very simple for you to offer SIMPOL to your employees.


Create promotionalmaterials foremployees (payrollstuffers, break-room posters, DVDs)

Assist yourPRE-CERTIFIEDemployees withselecting anoverseas surgeonthat is right fortheir needs.

Promote medicaltourism to youremployees andbenefit administrators.

Design a suitableplan for youremployees withincentiveprograms.


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NO DEDUCTIBLESNO CO-PAYS


It’s SIMPOL for Employees, too.

No co-pays

No deductibles

An amazing healthcare experience that features individual attention from top-rated surgeons, state-of-the-art hospitals, and excellent nursing care.

A relaxing getaway at a four-star hotel for the employee and a companion.

A cash bonus for helping the employer to save money.

In addition to a reduction in employees’ health care premiums, PlanetHospital’s SIMPOL program means:

PlanetHospital takes care of the entire overseas medical process which includes:


Expediting yourmedical recordssecurely to ourvarious overseassurgeons.

Arrangingconference withvarious overseassurgeons.

Booking yourflights, recoveryhotel, even yourpassport and visa.

Meeting you atthe destination ofyour choice,providing you witha concierge from the moment you land, to the moment you leave.

Take Your Cost Savings Abroad

The media coverage of medical tourism and the exodus of patients going overseas, has proven undeniably that there are significant cost savings one can experience by going abroad for medical care.

However, the cost savings must also align with quality and that is the strength of PlanetHospital’s international PPO network.

Affordable healthcare is the reason clients come to us. The quality of our network, which includes JCI accredited hospitals and US or EU licensed or trained physicians is why clients engage us.



A self insured Ski Resort spent over $650,000 in major claims and an additional $200,000 in minor claims. This resulted in a 9% increase in employee’s premiums and a further 3.2% increase in the employer’s stop loss premiums. The following chart shows how this ski resort would have saved a minimum of $480,000 plus no increase in employee premiums and possibly a reduction in stop loss premiums.

There are no simple rules for employee incentives but a good incentive will increase buy-in from employees. Some employers offer a flat cash payment, others believe in pooling a percentage of all savings and distributing it amongst all employees who went abroad for treatment, others receive a more generous per diem.

Major Claims

12 kneerepairs

2 spineprocedures

1 pacemakerreplacement

Cost Result

9% Increasein premiums

3.2% Increasein stop losspremiums

CASE STUDYCalifornia Ski Resort [2008 results]

Savings (on above) if SIMPOL was used

Total Major claims would cost $140,000 -- $170,000(depending on destination or surgeon and travel)

Cost Savings = $480,000 to $510,000

Would have resulted in little or no premium or stoploss increase except trend

Cost ofmajor claimsto employer

$650,000

Example of cost savings for employers

How Employee Incentives Work


SIMPOLSt ep by St epMETHODOLOGY


Employee pre-certified for medical need (surgery)

Employee compares cost savingswith PlanetHospital

vs.

paying deductibles/co-pays

PlanetHospital Case Manager explains all optionsand destinations

Employee choosesdoctor/destinations

PlanetHospital prepares a PURCHASE ORDERoutlining total costs

Employer reviews and signs offon the PO and presents to TPA

Flights and logisticsarranged by PlanetHospital

P.O.#

About PlanetHospitalEstablished in 2002.Member of the BBB since 2002 and in good standing with 0 unresolved complaints and a solid A rating.Served over 3000+ clients as of Nov 2009.Was the first to assist a self funded employer send an employee overseas for medical care.

PlanetHospital has been featured in over 300+ media stories including:

For more information about SIMPOL, contact your local insurance broker or call us at 800.243.0172or visit us at www.PlanetHospital.com
