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Supplemental insurance options for individuals and groups
- 1. Supplemental insurance for individuals and groups Presentation 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 Personal Bankruptcy 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 care bankruptcies 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 Friends Aflac is like a safety net. It pays the bills that major medical P: 555.123.4568 F: 555.123.4567 doesn’t. 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 Insurance Aflac is different from health Flexible Spending Accounts insurance; Employee assistance program Aflac insurance policies offered to employees include: Major medical pays doctors and hospitals. Aflac is Cancer Insurance Hospital Intensive Care insurance for daily living. It pays cash benefits directly to Hospital Confinement Indemnity you, unless otherwise assigned, to help with daily Specified Health Event Accident Insurance expenses 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. Aflac’s commitment WINGSPAN CLAIMS 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 or TURN 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 health FEATURES 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 75 Short-Term Disability • Benefits paid directly to insured, unless otherwise assigned • Benefits paid regardless of any other insurance Hospital 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 time Independent Agent Michele Thompkins P: 555.123.4568 F: 555.123.4567 | 123 West Main Street, New York, www.rightcare.com 832-463-0525 | michele_thompkins@us.aflac.com Providing peace of mind NY 10001 |