Specializing in Professional Liability, Employee Benefits and Insurance for Health Care Providers

MEDICAL ARTS INSURANCEa Horton Group Company

M E D I C A L A R T S I N S U R A N C E P R O V I D E S

B E S T I N C L A S S S O LU T I O N S

T H E H O R T O N G R O U P S T R I V E S T O O P E R AT E A S A

B E S T I N C L A S S C O M PA N YWhile the largest public firms worry about pleasing shareholders, The HortonGroup puts all of their focus on serving their customers.

PROPERTY & CASUALTY / RISK MANAGEMENTMAI provides property, general liability, automobile, excess liability, workers’ compensation, employment practices liability, crime, fiduciary liability, professional liability and directors andofficers insurance as well as many other products to our clients in a variety of healthcare settings.

EMPLOYEE BENEFITSMAI helps explore all of your options – insured, self-funded and consumer-directed alternatives.The goal is to help employers achieve a balance between cost management and employee satisfaction. We also understand the physician/owner dynamic and develop strategies to maximize capital deployment.

INTERNATIONALAs one of 100+ privately-held Assurex® Global partners we have access to talent and capabilitiesin more than 500 offices in over 70 countries. MAI/Horton has the resources to deliver cost-effective risk management, insurance and employee benefit solutions anywhere in the world.

F O R T H E H E A L T H C A R E I N D U S T R YIn just over a quarter century, Horton has evolved from a small insurance agency to one of the

leading brokerage firms in the country. Still, we have not lost sight of our entrepreneurial roots orour core strength – helping growing, entrepreneurial companies address complex insurance,

risk management and employee benefit issues.

Insuring hospices, out-patient facilities, hospitals and over 1800 physicians in the midwest,MAI/Horton has emerged as one of the premier brokers servicing the unique needs of

the health care industry.

Our full service platform and team approach provides one contact for all of your insurance requirements. Working together to deliver seamless risk management solutions, our property

casualty experts combine talents with our employee benefit professionals to facilitate a true holistic approach to all of your insurance needs.

ALTERNATIVE RISKSpecialized expertise has enabled MAI/Horton to create multiple group captive insurance companies. With loss ratios performing well below industry standards, success among our Captive groups is impressive.

SAFETY CONSULTING AND LOSS CONTROLFrom employee orientation and training to facility inspections, MAI helps clients manage claims,facilitate appropriate return-to-work programs and incorporate safety into every aspect of theirbusiness operation.

VOLUNTARY BENEFITSMAI helps companies improve morale and free up staff by offering well-designed, optional products such as individual life, short-term and long-term disability and supplemental vision,dental, critical illness and accident insurance.

As one of the largest privately-held insurancebrokers in the country, The Horton Groupoffers a comprehensive portfolio of productsand services for the healthcare industry. Your business will not outgrow The HortonGroup.

Horton Risk Management Services managesrisk for clients in a variety of industries, including construction, manufacturing, retail/wholesale, transportation, restaurant/hospitality, municipal, health care and numerous specialty niches. Our capabilitiesrange from securing basic insurance coverageto overseeing comprehensive risk managementprograms and providing advanced, specializedservices.

We help businesses lower the true cost of their risk by focusing on risk management, supported by the best claims advocacy, losscontrol and core insurance services available.

The Horton Group’s strong relationships with a large and diverse group of regional, national,and international insurance carriers enable usto develop customized insurance programs andnegotiate the best terms and conditions for ourclients. Furthermore, by utilizing Horton’s fullmenu of resources, we are able to successfullyaddress our clients’ needs and execute effectiverisk strategies.

T H E H O R T O N G R O U P P R O V I D E S B E S T I N C L A S S

R I S K M A NA G E M E N T S E RV I C E SRISK MANAGEMENT CAPABILITIES & SERVICES

• Formalized Service Schedules • Exposure & Coverage Reviews • Alternative Market Placements• Risk Transfer Consultation • File Audit Services Contract

Reviews • Policy Form Comparisons • In-House Attorney Service

• Experience Modification Reviews & Projections

• Unit Stat Re-Filing Service • Smart Comp Reports • Certificate Tracking/Managing• Web-Based Certificate

Processing • Mergers & Acquisitions – Due

Diligence

INSURANCE PROCUREMENT CAPABILITIES & SERVICES

• Property & Liability • Automobile • Umbrella & Excess • Cargo/Marine • Directors’ & Officers’ Liability • Fiduciary Liability • Captives

• Workers’ Compensation • Garage • Loss Sensitive & Large

Deductible Programs• Executive Risk• Employment Practices Liability• International/Foreign

SAFETY CONSULTING CAPABILITIES & SERVICES

• Safety & Compliance Assessments

• Supervisory Safety Training • Bilingual Training Capabilities • Industrial Hygiene Services • Written Safety Program

Development • Injury Prevention Programs

• Specialized Employee SafetyTraining

• OSHA, DOT & RegulatoryCompliance

• Fleet Safety & Driver Training • Work Area/Job Site Safety

Inspections• Worksite Wellness Programs

CLAIMS MANAGEMENT CAPABILITIES & SERVICES

• Claims Advocacy/ConsultativeServices

• Detailed Loss Summaries • Reserve Reviews

• Loss Ratio Analysis • Reserve Analysis • Litigation Oversight • Return-To-Work Programs

SURETY & FIDELITY CAPABILITIES & SERVICES

• Customized Contract Bond Programs

• Employee Dishonesty/CrimeBonds

• Miscellaneous Surety Bonds • Niche Programs

PROFESSIONAL CAPABILITIES & SERVICES

• Medical Malpractice Liability • Specified Professional Liability

Risk Management

• Seamless Risk Management

T H E H O R T O N G R O U P P R O V I D E S B E S T I N C L A S S

E M P L O Y E E B E N E F I T S O LU T I O N SThe Horton Group has managed medical benefits programs for hundreds of employergroups in an effort to keep costs below comparable levels experienced by other employers. Our aggressive management technique includes medical management andpreventive health initiatives.

As the healthcare industry continues to change,The Horton Group has remained ahead of thegame. With leading-edge technology, we are ableto obtain meaningful information that helps usevaluate cost drivers, trends, and savings opportunities associated with our clients’ medical benefits. In addition, we work to evaluate the impact of various plan managementinitiatives and to forecast the impact of futureplan changes.

The Horton Group provides employer groupswith tools that will provide consistent year-to-year data, reporting formats, and comparativebenchmarks. This highly meaningful yet understandable information enables us to work together with your data in a continuous,interactive manner as plan management issuesarise.

ASSESSMENT & REVIEW• Coordination of all The Horton Group activities relating to our clients

employee benefits program• Periodic review of market trends to ensure plan compliance

PLAN DESIGN• Plan design consultation and benefit benchmarking• Benefit/cost analysis, including detailed claims and member behavior study

MARKET ANALYSIS• Renewal preparation with plan changes, alternative options, and cost

impact summary• Network disruption and discount analysis

COMPLIANCE• Communication with human resources or benefits personnel regarding

benefits program issues• Meetings with management or benefits personnel as requested and at

agreed-upon regular intervals• Legislative and regulatory updates provided, with communication

regarding state and federal mandates• Legal expertise from on-staff corporate attorney and retained ERISA

attorney

COMMUNICATION & ENROLLMENT• Ensure accurate implementation of policy changes with carrier(s)• Renewal contracts and plan summaries reviewed for accuracy• Resources for COBRA, HIPAA, Section 125, and FMLA • Simplification of administrative procedures using Broker Suite Solutions®

WELLNESS & HEALTH RISK MANAGEMENT• Review and implementation of proven health cost containment support • Activity-based incentive programs• Total rewards• Education-based communications

EMPLOYEE EDUCATION• Act as a HIPAA compliant resource for difficult claim situations and

escalated issues• Monthly newsletters provided for employer’s management and

benefits personnel• Custom employee communications• Resources for provider questions or issues• Act as a resource for hardship provisions or late entrants• Enrollment coordination of employees and dependents

CLAIMS ANALYSIS• Quarterly plan performance reviews with claim analysis and member

behavior review• Annual detailed claims analysis using downloaded carrier data with

drill-down analysis capabilities• Claims advocacy

MERGER/ACQUISITION DUE DILIGENCE SUPPORT• Benefit program strategy review and risk analysis related to merger/

acquisition activities

The Horton Private Client Group is a team dedicated to providing exclusive concierge services for high net worth individuals. As one of the largest brokers in the United States,the Horton Group has strong relationships with the threepremier insurance carriers designed to insure highly successful individuals.

It is important to remember that not all insurance carriers, or their personal insurance policies, are created equal. Every insurance carrier designs their personal insurance policiesfor the types of risks they desire to insure. The “standard” insurance carriers design their policies for the general publicwho own standard type homes. They are not designed forluxury, landmark or historical properties owned by affluentpeople.

Insurance studies have found that 7 out of 10 luxury homesdo not have adequate coverage. Studies have found that mostluxury homes are still insured with only standard policiesthat do not offer the comprehensive coverage needed for ahigh valued custom designed home. The limited protectionprovided in a "standard" policy will almost always be foundunsuitable at the time of a loss to a luxury home.

Horton Private Client Group is committed to protecting youand your family by providing the most comprehensive insurance coverage available. At The Horton Group, we provide you with a Best in Class coverage review, showing you what you currently have and where your insurance protection may fall short. The protection of your home(s),personal property and assets should never be left to chance.

T H E H O R T O N P R I VAT E C L I E N T G R O U P I S D E D I C AT E D T O

H I G H LY S U C C E S S F U L I N D I V I D UA L STHE BENEFITS OF WORKING WITH THE HORTON PRIVATE CLIENT GROUP

• Comprehensive protection, providing superior coverage andidentifying your exposure to threats that can lead to a loss

• Client-centric coverage, designing policies around you to ensure broad and flexible coverage by identifying your individual concerns

• Competitive pricing, allowing you full protection with reasonable premiums. High deductibles are also available!

• Global reach, with the ability to insure homes in more than 130 countries

EXCLUSIVE ACCESS TO PREMIER CARRIERS AND SPECIALTY PRODUCTS

• Ace Private Risk Services• Chartis Private Client Group • Chubb Insurance Companies• Fireman’s Fund Insurance Companies

T H E H O R T O N G R O U P

B E S T I N C L A S S S O LU T I O N SWe believe that to deliver Best in Class insurance, risk management

and employee benefit solutions, The Horton Group must operate as a Best in Class company.

Orland Park, IL

Waukesha, WISchererville, IN

Chicago, IL

We invite you to learn more about our company, our capabilities and our people.

800.383.8283

MEDICAL ARTS INSURANCEa Horton Group Company

630.967.3800www.medicalartsins.com

“Our Medical Arts

division provides

Best in Class

insurance

solutions for

healthcare clients

with complex

needs and limited

resources.”

– Glenn HortonPresident and CEO

The Horton Group

MEDICAL ARTS INSURANCEa Horton Group Company

630.967.3800