P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Supplemental insurance for individuals and groups Presentation by Agent Michele Thompkins
Transcript
1. Supplemental insurance for individualsand groupsPresentation
by Agent Michele Thompkins P: 555.123.4568 F: 555.123.4567 123 West
Main Street, New York, NY 10001 | www.rightcare.com
2. Table of Contents Section Section Name 1. Medical Costs and
Personal Bankruptcy 2. Financial Resources 3. Why Aflac 4. Thank
You P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York,
NY 10001 | www.rightcare.com
3. Medical Costs and PersonalBankruptcy Facts Medical problems
caused 62% of all personal bankruptcies filed in the U.S. in 2007,
according to a study by Harvard researchers. And in a finding that
surprised even the researchers, 78% of those filers had medical 62%
of Average out- insurance at the start of their Cost of personal
of-pocket cost illness, including 60.3% who had cancer
carebankruptcies for cancer private coverage, not Medicare rose to
caused by patients or Medicaid. $263.8 billion medical $1,266 per
in 2010 expenses month P: 555.123.4568 F: 555.123.4567 123 West
Main Street, New York, NY 10001 | www.rightcare.com
4. Daily Living Expenses Housing Major Medical may exclude:
Copayments Deductibles Miscellaneous Food Missing wages Medical
Stats Daily Long Term Hospital Stay Living Diagnosed Heart Disease
or Diabetes Expenses Diagnosed with serious illness Less than $500
in Savings Transportation Utilities 13% 32% Health 29% 26% P:
555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY
10001 | www.rightcare.com
5. Financial Resources Bank Family & Savings Employer Loans
FriendsAflac is like a safetynet. It pays the billsthat major
medical P: 555.123.4568 F: 555.123.4567doesnt. 123 West Main
Street, New York, NY 10001 | www.rightcare.com
6. Why Aflac? Benefits In addition to major medical coverage,
we also offer: Dental Insurance Short term disability and long-term
disability Life InsuranceAflac is different from health Flexible
Spending Accountsinsurance; Employee assistance program Aflac
insurance policies offered to employees include:Major medical pays
doctors and hospitals. Aflac is Cancer Insurance Hospital Intensive
Careinsurance for daily living. It pays cash benefits directly to
Hospital Confinement Indemnityyou, unless otherwise assigned, to
help with daily Specified Health Event Accident Insuranceexpenses
when your hurt or sick. Voluntary Group Term Life (VGTL) P:
555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY
10001 | www.rightcare.com
7. Aflacs commitment WINGSPANCLAIMS HSA and HRA Programs
Effects of Health Care Reform $2.1 Billion claims paid in 2010
Health care reform is intended to Allowing companies to provide
ensure that Americans are protected by employees HSA and HRA
creditable, comprehensive major qualified health insurance medical
health insurance. policies while making administration of savings
accounts and reimbursement Businesses with 50 employees orTURN
AROUND arrangements easy. more, will face the decision to either 4
Days Claim Process provide health insurance to all of their
employees voluntarily, or else pay a penalty of $2,000 per year,
per full-time employee. Should even a single employee request
government assistance in purchasing healthFEATURES insurance, his
or her employer will be Renewable stuck paying the $2,000 for every
Portable employee that it has. Directly Paid to Insured Paid
regardless of other insurance P: 555.123.4568 F: 555.123.4567 123
West Main Street, New York, NY 10001 | www.rightcare.com
8. Policies Emergency Treatment Benefit Specific Sum Injuries
Benefit Accident Accidental-Death Benefit Initial Hospitalization
Benefit Guaranteed-renewable to age 75Short-Term Disability
Benefits paid directly to insured, unless otherwise assigned
Benefits paid regardless of any other insuranceHospital Confinement
Annual Hospitalization Confinement Benefit Daily Hospital
Confinement Benefits Surgical Benefit Indemnity Pays a
first-occurrence Benefit, Hospital Confinement and Continuing Care
for; Critical Care and Heart Attack Coronary artery bypass surgery
Recovery Stroke Major Third-degree burns Deductibles Out-of-network
specialists Cancer Experimental cancer treatment Travel and lodging
when treatment is far from home Child care and household help
Normal living expenses, such as your car payment, mortgage/rent and
utility bills Attract and 100% Fits with other Easy to Retain
Employee Paid benefits administer Employees P: 555.123.4568 F:
555.123.4567 123 West Main Street, New York, NY 10001 |
www.rightcare.com
9. Business Enrollment Individual Options Enrollment Options We
strive to make our enrollments a hassle-free Set an appointment
experience for you and your employees. We offer the If you have
ever been out of work following enrollment methods: because of an
illness or accident, you One-on-One Employer Presentation 5 10
minutes know there are two things that are Set Date for employee
presentation 10-15 minutes increasingly hard to come by: peace of
Set Date for employee enrollment mind and cash. Our supplemental
The Aflac agent will guide and assist employees in insurance
policies help provide both. understanding the Aflac Group plans
being offered. Not all policies may be available in all
states.Enrollment Guidelines for Aflac Group Plans Individual
Policies Accident Cancer/Specified Disease Critical Care &
Recovery Dental Hospital Confinement Indemnity Hospital Intensive
Care Life Juvenile Life Short Term Disability Vision P:
555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY
10001 | www.rightcare.com
10. For your timeIndependent Agent Michele Thompkins P:
555.123.4568 F: 555.123.4567 | 123 West Main Street, New York,
www.rightcare.com832-463-0525 | [email protected]
Providing peace of mind NY 10001 |