Ultimate Health by ArmadaCare

Medical Reimbursement

Guidance to Specialty Physicians

Travel & Medical Emergency Support

Executive Physicals

The 4-in-1 Solution

Ultimate Health Overview

• Supplemental Insurance Plan– Can supplement fully insured plans, self insured plans and

group exchanges

• Group Plan (Employer Paid)• Financially Efficient• Insurance Backed by A+ Rated Carriers• Excepted Benefit

– Can be offered to select employee classes– Sits outside of ACA– Meets Safe Harbor requirements

Designed for VIPs

• Swipe-and-Go Rx Card• Claims Turnaround 5 to 7 Business Days• High-End Items Covered• Online and Mobile Claims Platform• Direct Deposit for Reimbursements

Why Sell Ultimate Health?

Gain Access to C-Suite

Upsell OtherLines of Coverage

Gain aResolution Tool

Differentiate from Competition

Higher Level Point of Entry

Sets The Stage for Additional Sales

Resolve Many Client Coverage Concerns

Unique, Strategic and Needed By Clients

Who buys Ultimate Health?

Companies• Partnerships• Sub-Chapter S-Corp• C-Corp• LLCs/LLPs• Non-Profits

Key Personnel• Partners• Shareholders• Owners• Key Employees• Directors• Retirees  

FOR:

Primary Health Plan(s)

Co-Pays • Deductibles • Co-Insurance

Non-Formulary Rx • Exclusions & Limitations • Private Hospital Rooms • Balance Bills

Glasses, Contacts & LASIK • Dental & Adult Orthodontia

Mental Health • Wellness Treatments • Executive Physicals

Typical Out of Pocket Expenses

Dental23%

Vision9%

Prescription25%

MH/SA6%

Wellness4%

Medical33%

Dental

Vision

Prescription

MH/SA

Wellness

Medical

Today’s Spend

Before: $3-4,000 Out-of-Pocket

Today: $6-8,000 Out-of-Pocket

InsuranceCoverage

Co-Pays and Co-Insurance

Vision

Dental

Deductibles

Exclusions

…and it’s usually with after-tax dollars

Insurance Coverage

Co-Pays and Co-Insurance

Vision

Dental

Deductibles

Exclusions

Financially Efficient

• Every Dollar Spent on Compensation Costs You – Raising compensation to cover out-of-pocket medical

expenses cost both the company and the recipient – Federal, State, Local Income Tax, FICA, SUI, Workers

Comp, Unemployment Insurance, etc.

• Every Dollar Spent on Ultimate Health Premium Costs Less– Premium may be tax deductible for business– Save $.40 on every dollar spent*– And recipient doesn’t pay taxes on their reimbursements

*Based on compounded tax rate of 40%. Individual rates may vary.

Savings Illustration

Tax-Effected Premium

$4,800

Health Care Expenses$6,050

Composite Premium$8,066

Income Value$10,082

Based on compounded tax rate of 40%. Individual rates may vary.

Plan Options

Annual Benefit Maximums: Per Covered Person

Platinum Diamond Diamond Plus

Vision Treatments $1,000 $1,500 $10,000

Mental Health $2,000 $3,000 $10,000

Prescriptions $2,500 $3,000 $10,000

Executive Physicals $2,000 each $2,500 each $10,000 each

Wellness Treatments $1,000 $1,500 $10,000

Medical Equipment $2,000 $5,000 $10,000

Annual Family Maximum $50,000 $100,000 $100,000

Dental Treatments $4,000 $5,000 $10,000

Per-Occurrence $5,000 $10,000 $10,000

Armada HealthConnections

• TopDoc Services– TopDoc for Me– TopDoc Review– TopDoc Q&A

• Take Me Home Emergency Travel Program

• Executive Physicals

TopDoc Services

Developed with Medical Elite

Credentialing Process

Physician-Patient Matching

ArmadaCertified Community

ArmadaCompass Platform

TopDoc for Me

• Understand member’s condition

• Tap into our technology platform

• Identify the top specialists with the right expertise

• Validate by clinical team

• Help gain access

TopDoc Review

• Gain advice from leading specialists in specific sub-specialty

• Find the right, best specialist for the review—not a fixed panel approach

• Expert input to help ensure the right treatment path

TopDoc Q&A

• Answer general questions about condition, treatment options

• Guide to objective information or input from ArmadaCertified Specialist

• Enables members to be more active in their care

Real-Life Example: Karen’s Story

• Condition: fractured spine• Area doctor recommendation: surgery• Armada: TopDoc Review

– World-renowned orthopedic spine surgeon – Specializes in minimally invasive surgery and treatment

• Recommendation: No surgery; Pilates• Outcome

– Member avoided risky, costly surgery and difficult recovery– Cost savings for employer: $100,000+

Take Me Home Emergency Program

• Domestic and International Travel– 100 Miles From Home– Business or Pleasure– One Number 24/7/365

• Services– Urgent Care Referrals to 50,000+ Vetted Providers– Replace Lost Travel Documents & Meds– Medical Translation Services– Emergency Travel Arrangements– Paid Medical Evacuation– Travel Portal

Paid Medical Evacuation

*Available when hospitalized 100+ miles from home. Subject to FrontierMEDEX terms and conditions.

Integrated with Navigation Services

Continuity of Care Post-Evacuation

Back Home for Better Care

And Insurance Coverage

Hospitalized 100 Miles from Home

Domestically & Internationally

Executive Physicals

• VIP Preventative Screening• Locate Center of Excellence• Coordinate Follow-Up• Reimbursement Coverage

Next Steps

• Identify potential clients– Primary plan with in- and out-of-network & Rx – 3 or more executives (10 employees at the company)– 44 states (not CT, KS, MT, NH, VT or WA)– Any type; start with:

• Financial Services• Hedge Funds and Private Equity Firms• Closely Held Companies• Family-Owned Companies• Manufacturing• High Growth Industries

Learn More

 Joe Luscavage

Principal, Sr. Group Consultant

jluscavage@armadacare.com

610.613.9887