©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

Protection for LifeHelping to protect your health, income and family

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

We are one of the largest

insurance distribution

companies in America

with more than

3,000 agents nationwide.

HealthMarkets Insurance Agency

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HealthMarkets provides solutions that meet the health and financial protection needs of individuals and families.

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

Portfolio of Insurance Companies

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Our broad portfolio of recognized and trusted national and regional insurance companies.

UnitedHealthOne is the brand name for UnitedHealthcare family of companies that offer personal health insurance products. Products are marketed through independent agents. For costs, benefits, limitations and exclusions of UnitedHealthOne plans. Please see the product brochure.

Not all agents are licensed to sell all products. Availability of carriers and products may vary by state.

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

Health Care Reform

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HealthMarkets provides guidance to help you understand your options under health care reform.

Subsidy

On Exchange

Off Exchange

Essential Comprehensive

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Best For Your Budget

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Understanding the needs of you and your family

Combining the products to give you the best level of coverage for your budget

Health Medicare Health & Wellness

Supplemental Long-Term Care Association

Life Retirement

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

Fact Finder

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EssentialComprehensive

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The Protection You Need at 30 … … is different at 45 or 65 YOUNG FAMILY (Age 30 – 40)On Your Mind: Planning ahead to protect you family, your income and your future

► Health Insurance

► Supplemental Insurance

► Life Insurance

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These recommendations are general guidelines based on commonalities we notice among our customers. The information and product listed are not meant to be interpreted as appropriate for everyone, as each individual has unique needs and circumstances.

NEARING EMPTY NEST (Age 40 – 55)On Your Mind: Planning ahead to protect you family, your future long-term care needs and protect your assets for retirement

► Health Insurance

► Supplemental Insurance

► Life Insurance

► Retirement Income

► College Funding

RETIREMENT (Age 65+)On Your Mind: Protecting and managing your assets for financial stability

► Medicare Plan & Supplements

► Retirement Income

► Life or Final Expense Insurance

CLOSE TO RETIREMENT (Age 55 – 64)On Your Mind: Planning for retirement by protecting the assets you’ve accumulated over the years

► Health Insurance

► Supplemental Insurance

► Life Insurance

► Retirement Income

► Long-Term Care Insurance

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

Protection for Life has Three Primary Components

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Your family has hopes and dreams for the future—life insurance can help protect them

Expecting the unexpected is one thing, paying for it can be quite another. Supplemental insurance can pay you a direct cash benefit to help with expenses

A good health policy is indispensable and can also be surprisingly affordable

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

The Metal Plans (On Exchange)

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Bronze Plan

Silver Plan

Gold Plan

Platinum

Plan

Bronze Level

Plan covers approximately

60% of expected costs

Silver Level

Plan covers approximately

70% of expected costs

Gold Level

Plan covers approximately

80% of expected costs

Platinum Level

Plan covers approximately

90% of expected costs

Lowest Premiums

HighestPremiums

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003 IIS001308 05.28.2013

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003

Fact Finding: Health

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1 in 8 persons seek medical attention from an injury each year

67% of all Emergency Room visits are injury related

The average hospital stay is 4.9 days

The average cost of a hospital

stay has doubled

The Healthcare Cost and Utilization Project, sponsored by the Agency for Healthcare Research and Quality (AHRQ). Statistical Brief 146, Costs for Hospital Stays in the United States, 2010, Anne Pfuntner, Lauren M. Wier, M.P.H., and Claudia Steiner, M.D., M.P.H. | FaceTheFactsUSA.org | National Safety Council, Injury Facts, 2012 | CDC National Hospital Ambulatory Medical Care Survey, 2009

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High Cost of Health Care & Bankruptcy

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Illness and medical bills contributed to more than 62% of all bankruptcies.

(1) Statistics from a Harvard University report “Medical Bankruptcy in the United States, 2007” published in The American Journal of Medicine®

And of those filing bankruptcy, almost 78% had

health insurance.1

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In households with children under the age of 18, if the primary breadwinner died today …

Why Life Insurance is Important

4 in 10… say they would have immediate trouble meeting everyday expenses

7 in 10… say they would have trouble meeting everyday expenses within 90 days

LIMRA International, Inc.

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Customized Protection for Life Solution

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Creating your Customized Protection for Life Solution includes:

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