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September 2005
New Products!
MWG / United HealthCare Dental
• For groups of 2 or more employees
• Employer paid or voluntary rates
• Low cost Basic Plan for preventive care only available
• 85th percentile of UCR
• Call for quotes
Security Life / APEX Dental Plans
• Employer paid plans for groups of 2 or more.
• Voluntary plans starting at 1 enrollment
• See any dentist
• 80th percentile of U.C.R.
• Individual plan also available
Allstate Workplace / Accident-Disability Plan
• Disability benefits up to $1,800 per month
• 3 days wait for Accidents / 7 days wait for Sickness
• Simplified issue - no blood or urine testing
• Available at 1 enrollment
• Single rate tier for all ages 18 to 64
Allstate Workplace / Critical Illness Plan
• Benefits from $5,000 to $100,000 with Lump Sum benefit payment
• Simplified issue – no blood or urine testing
• Cancer benefit option available
• Guaranteed renewable for life
5Star Life / Group Life & Voluntary Term Life
• Group life benefits for companies of 3 or more employees
• Guaranteed issue limit - $50,000
• Voluntary term life plans for as little as $4.00 weekly
• Simplified issue – no blood or urine testing
CONEXIS / COBRA Administration
• Employers can now transfer their COBRA administrative problems to a professional TPA and dramatically reduce their exposure to law suits, penalties and fees.
• Low set up fee of $300.00 (one-time)
• $1.00 per participant, per month
CONEXIS / FSA Benefits
• Offer employees qualified pre-tax benefits for health care, dependent care and employee paid premiums.
• Low set up fee of $300.00 (one-time)
• $5.95 monthly participant fee
• Services include a debit card
MMWI Employee Manual and Maintenance Program
• Stepped up enforcement of sexual harassment laws can devastate any employer who does not have a written policy in place.
• HIPAA now requires additional guidelines
• Wrongful termination suits are also increasing
• Recommend that your clients have their current employee manual checked for accuracy and if they have no manual, recommend the MMWI program.
AIS Website Program
• Create your own web identity for less than $500. Services include registering your domain, setting up your email addresses, and creating a full custom made website.
• Call AIS for full details
• An opportunity to sell this program to outside companies is also possible.
PacifiCare Small Business
Effective 10/1/05 (New and Renewing Groups)
TWO NEW HMO PLANS:
• SignatureValue Advantage HMO Value 10/500d
• SignatureValue Advantage HMO Value 35/600d
These two plan designs are identical to the traditional SignatureValue plans. Members will need to select a Primary Care Physician from Participating Medical Groups in Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Francisco, and Santa Clara counties within PacifiCare SignatureValue Advantage Network. NOTE: SignatureValue Advantage plans cannot be offered alongside SignatureValue plans.
BENEFITS CHANGED for SignatureOptions (PPO) 70-50/2000 plan: (1) A new $250 deductible has been added to the pharmacy riders; (2) Emergency Room deductible has been changed from $100 to $250
Health Net Individual & Family Plans
• SimpleChoice plan series offer low cost deductible plans with 100% coinsurance
• Ask about the current bonus program - $65 per case
• Ask about the additional AIS bonus program
• Ask about the AIS “fast pass” underwriting program
• Ask about the “second opinion” policy for AIS agents
For more details, please contact our office.