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WHAT ARE KEY ISSUES FACING WORKING AMERICANS TODAY?
Millions – nearly 20% - are either ineligible for or unable to afford health insurance through their workplace
According to a recent Harris poll, the average family cannot financially survive more than 7 weeks without income
Only 44% of US households had individual life insurance as of 2010 – a 50 year low, compared with 72% in 1960 and 55% in 1992.
Most employed Americans have little disposable
income due to everyday
living expenses.
HOW CAN COMPANIES HELP THEIR EMPLOYEES?
Surveys indicate that 20% of employees are more likely to choose voluntary benefits if
premiums are taken out of their paychecks, seeing it as easy,
convenient and less expensive than private policies.
This same study also indicated that these employees trust their employers’ choices and offerings
in these areas.
The Majority of financial decisions today are made in
the workplace.
YOUR PARTNERS
Who we areWhat our role is
National Child Care AssociationBritton GallagherSpotliteKey Benefit Administrators
PLANS AND SERVICES
Accident Expense Insurance
Short Term Disability
Limited Medical Plan
Term Life Insurance
Telemedicine
PerkSpot
Individual Health Insurance
ACCIDENT EXPENSE INSURANCE
Why Accident Expense Insurance?
With the high cost of medical care today, a trip down the stairs can hurt your bank account as much as your body
Accident expense insurance can pay you benefits based on the injury and the treatment you receive, whether it is a simple sprain or something more serious
No one plans to have an accident but it can happen at any moment throughout the day, whether at home or at play
Most major medical plans only pay a portion of the bills, accident coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses
ACCIDENT EXPENSE INSURANCE
Key Benefits Benefits paid in addition to any other coverage
The money is paid directly to YOU and YOU decide how to spend it!
Coverage that is guaranteed issue, meaning there are no medical exams or tests for you to complete
You have the option to purchase coverage for your spouse and dependent children
Accident coverage goes with you when you change jobs or retire, up to the age of 70
Accidental Death Benefits included
SHORT TERM DISABILITY
Losing your income can be a life-changing event!
Short Term Disability provides weekly income replacement if you become disabled and you are unable to work
Why Short Term Disability?
SHORT TERM DISABILITY
Key Benefits
Benefit amounts from $150 to $350, not to exceed 50% of weekly earnings
All amounts are guaranteed issue – No health questions!
Cash benefits paid directly to you to help you pay for everyday living expenses – from groceries to daycare – whatever you need!
Benefits for sickness, injuries and even maternity leave!
LIMITED MEDICAL PLAN
Pays fixed cash payments for a wide range of covered services – such as doctor visits, outpatient procedures, prescriptions or the everyday expenses that arise when you have to get medical care.
Note: This coverage does not meet the requirements of essential medical coverage as defined in the Affordable Care Act. It is intended to be supplemental coverage that pays “first dollar” benefits with no deductibles to meet.
What is Limited Medical?
LIMITED MEDICAL PLAN
Why do you need limited medical? Benefits for covered expenses can be paid directly to you
or your health care provider – so you decide how the money is used. If you have a health insurance plan with a deductible and no co-insurance payment, Limited Medical coverage can help you cover those out-of-pocket expenses.
Inpatient benefits
Outpatient benefits
Term Life and AD&D
Wellness benefits
Prescription drug benefits
What does it cover?
Note: This coverage does not meet the requirements of essential medical coverage as defined in the Affordable Care Act. It is intended to be supplemental coverage that pays “first dollar” benefits with no deductibles to meet.
TERM LIFE INSURANCE
What is Term Life Insurance?
Life insurance protect those who depend on you and your paycheck.
Provides your loved ones with the money they can use to help do things like: pay off debts and funeral costs, pay the monthly rent or mortgage, create a savings fund for education or retirement, etc.
TERM LIFE INSURANCE
Key Benefits
Employee coverage from $20,000 to $60,000
Spouse option at $20,000 and child option at $10,000
Benefits are guaranteed issue – NO QUESTIONS ASKED!
Also offers a living care benefit and coverage goes with you when you change jobs or retire
TELEMEDICINE
On-Demand Physician Care: Call or e-mail a doctor 24/7, without long waits at the doctor’s office, urgent care or emergency room. Obtain information, treatment recommendations, and prescription medication, when appropriate.
Request Prescription Medication: Get timely prescriptions and prescription refills, enjoy convenient pickup at your nearest pharmacy.
Coverage for your entire family: Instant, affordable coverage for all ages – from children to senior citizens – no age limit, even if living at different addresses!
Nationwide medical expertise: All physicians are U.S.-based, state-licensed, NCQA-certified, with an average of 15 years experience.
Easy-to-use online health tools: Powerful online applications to help identify and optimize lifestyle factors. Store and share your personal health records
Consult, Diagnose and Prescribe 24/7 Access to a Board
Certified Doctor--On the Go or at Home!
HOW IT WORKS
Step 1.
Medical history
You are required to complete your medical history online, by phone, or by faxing a paper form prior to requesting a consultation.
Step 2.
Request consult
You simply log on to your account or call Teladoc, 24/7/365, to request either a telephone or video consultation.
Step 3.
Talk with a physician
A board-certified physician licensed in your state reviews your medical history and provides a consultation over the phone or through video, just like an in-person visit.
Step 4.
Resolve the issue
The physician recommends the right treatment for your medical issue. If a prescription is necessary, it is electronically sent to your pharmacy of choice.
Step 5.
Continuity of care
The physician documents the results of the consultation in your medical history. Consultation information can be sent to your primary care physician.
Step 6.
Follow-up
Teladoc sends you a follow up email to ensure that you got the care you needed and to see if you have any feedback on your experience.
You have cold-like symptoms but don’t have the time to sit in an urgent care waiting room. Instead you use Telemedicine!
COMMON USE
Top 10 Diagnoses
1. Sinus Problems
2. Urinary Tract Infection
3. Pink Eye
4. Bronchitis
5. Upper Respiratory Infection
6. Nasal Congestion
7. Allergies
8. Flu
9. Cough
10.Ear Infection
Prescription Management Electronic prescribing
(SureScripts) or by phone. Frequency of prescribing lower than same
diagnoses when comparing best provider practices (about 80% vs. 83%)
Use of antibiotics limited to short durations; patient education and physician reminders for appropriate use
No prescribing of DEA-controlled substances, medication for psychiatric illness, or lifestyle drugs.
Generic drugs automatically recommended
PLUS THESE ADDITIONAL SERVICES!
Aetna RFL ConsultantsSpeak directly with highly educated consultants who are ready to help guide you through life’s challenges.
WellCard Discount CardSavings on a wide range of healthcare products and services like prescription drugs, lab tests, vision and dental care.
ID Theft & Fraud ResolutionVictims of ID theft or fraud related crimes receive the education, guidance & legal and financial assistance they need.
Bill Review & MediationLet our Patient Advocacy team work directly with the hospital on your behalf to lower your payments.
Legal & Financial AdvisorsTalk with a network attorney or financial consultant for up to 30 minutes free per issue, for an unlimited number of issues.
Online Worklife ResourcesIn-depth resources and guides for daily issues from adoption to college planning, elder care, disaster relief and more.
HOW THE FUNDRAISER WORKS
How it works: When you have your families, friends, neighbors and community enroll in TeleMedicine, a portion of the proceeds go back to your child care center each month! You can use the funds earned to purchase much needed materials to continue to educate, entertain and support your center.
How to enroll: Direct people to enroll online at www.telemedfundraiser.com. They will enter a unique code for your child care center to ensure you receive the funds.
FUNDRAISING MARKETING SUPPORT
Flyers to pass out to your center’s families, your friends,
neighbors & community businesses.
Invoice stuffers or mailers to send out to your child care center families or vendors.
We have created marketing pieces to help you promote the TeleMedicine fundraiser in your community.
Simply add your child care center code before distributing.
Not sure of your center’s code? Contact us at (216) 658-8577.
EXCLUSIVE RETAIL DISCOUNTS WITH PERKSPOT
What is it PerkSpot?
PerkSpot is a private, members-only marketplace that provide deals from popular merchants
You will find a range of exclusive ways to save no matter what you are in the market for – travel, electronics, tickets, flowers & much more!
NO COST TO YOU! The NCCA has made PerkSpot available at no cost to employees.
EXCLUSIVE RETAIL DISCOUNTS WITH PERKSPOT
What kind of discounts?
Take an extra $7 off order of $70 at Target.com
Save an extra 5% on all Southwest Vacation packages
Receive up to 40% off on electronics and accessories from Panasonic
Save an extra 15% off at Kohls
Get 15% off all flowers and gifts from 1800flowers.com
Save up to 30% on select computers, electronics and accessories at Dell
AND MORE!
INDIVIDUAL HEALTH INSURANCE
Through the NCCA benefits program, you will have the opportunity to
access individual health insurance at the Health Insurance Marketplace in
November.
QUESTIONS?
TOLL FREE 1-844-735-3362
www.nccabenefits.com
www.yourtelemed.com
www.telemedfundraiser.com