Core Markets:







Dental 2-10
• Voluntary plans down to 3 enrolled
• No Waiting Periods for Virgin Dental—MetLife
• Endo and Perio in Type 3—MetLife, MMA, Companion
• 80th Percentile for Price Sensitive Buyers—Kansas City Life
• MAC Pricing for Price Sensitive Buyers—MetLife, Companion Life
• 90th Percentile Quoted Standard
• $100 lifetime deductibles, $50/$100,
• Orthodontia available
• Pediatric Dental, ACA Certified--Delta, Met and MMA
Dental 10+
• Lifetime deductible, and rollover maximum takeovers—Kansas City Life
• Zero waiting periods for virgin voluntary plans
• MAC pricing
• 100/75/50/50; 100/50/50; 80/80/80; all types of percentage coinsurance
• Implant coverage
• Maximums to $5000
• Dual Options
Short-Term Disability
Contributory
• Up to 70% replacement
• Total and Partial DI available
• 13 to 56 week durations
Voluntary
• Entry Age Freeze and complimentary ADD with Companion Life
• Minimum of 5 participation
• Takeover ‘worksite’ carrier STD with no pre-ex
Long-Term Disability
• Industry best definitions of disability
• Residual Income carved out
• Contract comparison service
• SSNRA
• Executive Carve Out LTD
• Voluntary plans down to 10 lives participating
• Below 10 group LTD to SSNRA
• Blood related groups eligible!
Life
• Ability to class out even in 2-9 market
• No SIC code limitations through the MBPA and Companion Life
Voluntary Life for 10+ groups
• Free Will Preparation with MetLife
• 5 year rate lock with Companion Life
• Brand New Open Enrollment with Companion Life
Accident/Critical Illness
• GI Critical Illness to 5 lives in most cases
• Takeover credit for critical illness—pre-ex waived!
• Accident plans to 5 lives
• Very competitive rates
• Reimbursement for not only wellness visits but also any doctor visits
• Great brand name with AllState Benefits
• Enrollment Support managed through BPI
Vision
• Voluntary stand alone plans down to 2 lives
• VSP/Eyemed/Davis Networks Available
Telemedicine
• $4.75 PEPM
• All members of groups are eligible and all group sizes
• Unlimited access to doctors 24/7 with no copays
• Benefit Management System complimentary in monthly fee
Limited Medical, MEC's and MVP's
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'Skinny Plans' Minimum Essential Coverage (MEC) that eliminate $2,000 PEPM fine for 50+ groups
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Flexible minimum benefit plans