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National Benefits - Product Updates


National Benefits Consultants
Product Update

A New Short Term Medical Plan-

Insured by HCC Life Insurance Company, rated an 'A+' (Superior) for financial strength by A.M. Best.

Plan Features of the HCC Life STM Plan:
C
hoice of deductibles, coinsurance and length of coverage
Freedom to choose doctors and hospitals without incurring network penalties
$50 co-pay when obtaining treatment at an Urgent Care Facility. Deductible is waived!
Personalized Agent online sales links and competitive rates

 

Voluntary Dental Plan for 2+ Lives-
Introducing the Diamond Dental Plan Insured by American National Life Insurance Company


Diamond Dental Plan Features:
No Waiting Periods,   No Participation Requirements,   Choose ANY Dentist

$100 Lifetime Deductible ALL Classes  &  Orthodontics Available Down to 2 Lives

Group Health Insurance Coverage 10-99 Lives-
American Trust Administrators, Inc. (ATA) is a national leader in the administration and management of employee benefit plans. For over 30 years, ATA has maintained an impeccable record for the creation and delivery of group healthcare products to employers of all sizes.  Specialists in self-funded group health plans, ATA offers cost-effective alternatives to fully insured benefits for employers with as few as 10 employees.

 
Why AIG Group Limited HealthCareSM ?
With little or no waiting period, employees receive access to a host of medical benefits, discount healthcare services and life insurance paid directly to them.  This is not health insurance, it is a reimbursement plan for groups of 2 plus lives.

 

Plan Features:

No employer contribution required

Guaranteed issue - no health questions asked

No annual maximum

No pre-existing condition exclusions (except for pregnancy)

Benefits are paid directly to the insured (or assignable - employee choice!)

Discount prescription, vision and dental services

Instant claim re-pricing at the point of service

High / Low options for groups with 100+ eligible employees

1099 Employees are Eligible!


Free Discount Drug Cards for all your clients-
The Best Price Card is an easy way to help your clients and their families with all of their prescription drug needs. Participants and their families can obtain average savings of 13% to 65% on drug prices through the nationwide network of 58,000 plus pharmacies, including major chains and community pharmacies. Actual savings may vary depending on the medication and the pharmacy the enrolled individual uses.

 

Writing Your Life Insurance Cases with National Benefits-
          
Top Carriers, Top Contracts:
           
West Coast Life

North American Company

Genworth

Fidelity Life
Banner

AIG
Assurity Life

Transamerica  

 

Mutual of Omaha Medicare Supplement Plans-

Mutual of Omaha is the competition in agent sold Medicare Supplement products.  They have been the industry leader for agent sold Medicare Supplement products for the last 4 years.  Four day policy issue with over a 90% placement rate and the lowest F or G plan rates in over 40 states makes them hard to beat.

 

Upcoming Seminars-

Assurant Health is hosting broker training meetings from March 24th to the 26th  to introduce the Assurant ClaritySM Plan.  Call National Benefits for a location nearest to you.

 

Travel Insurance is the easiest of all insurance sales-

National Benefits is the 2008-2009 Producer of the Year with International Medical Group.  Let us help you increase your sales.




HSA Guidelines for 2010:

There are new contribution limits and deductibles for Health Savings Accounts (HSAs) in 2010. 
The following changes will occur:

     ·     The maximum contribution for insureds with single coverage 
          will be raised to $3,050 and the maximum contribution for 
          those with family coverage will rise to $6,150. 

     ·      The maximum out-of-pocket expense that insureds may 
          incur will be $5,950 for single coverage and $11,900 for 
          family coverage
.

     ·     The minimum deductible of the high-deductible health 
          insurance plan, to which HSAs must be linked, will increase 
          to $1,200 for single coverage and $2,400 for family coverage.


 
Reasons to Market HCC Life’s Short Term Medical


Broaden your client base in the coming year by considering the many features and benefits of HCC Life STM: 

  • Competitive premiums
  • Urgent Care visit co-pay benefit of $50, plan deductible is waived 
  • Next-day coverage available
  • Eligibility from age 2 through age 64
  • Fast and easy online quoting
  • Customizable plan options to fit various needs and budgets
  • Broad range of deductibles for affordability ($250 - $7,500)
  • Coverage periods of up to 6 months or 12 months (varies by state)
  • Opportunities for re-application
  • Freedom to choose doctors and hospitals without facing out-of-network penalties
  • Immediate online fulfillment of certificates and id cards (printed in English and Spanish)
  • A menu of attractive quoting links/banners to include on your website (English and Spanish)  
  • Currently available in 38 states including Colorado   
  • Completely available in English and Spanish... whether paper or online
  • Bilingual customer support and online chat capability
  • Available to U.S. and non-US citizens legally residing in the US during coverage
  • Click Here - Get Contracted today!
About the Insurer- 
HCC Life Short Term Medical is insured by HCC Life Insurance Company. HCC Life Insurance Company is rated an 'A+' (Superior) for financial strength by A.M. Best Company ratings services. All of HCC Life products are backed by the financial stability of our parent company, HCC Insurance Holdings, Inc. (NYSE: HCC).

 

Looking for a new dental product for individuals?

Madison Dental is available from National Benefits

Quick and simple online quoting and enrollment for one-life dental!

• Three unique plan designs to choose from
• Plans available for under and over 65
• Custom Web site link for your agency
• Optional discount orthodontia through Orthocare
• Indemnity and PPO options with DenteMax PPO network

Click here to see our electronic brochure for details on this program


 
New, Guaranteed Issue Limited Medical Plans
                                               
Naitonal Benefits is pleased to announce the newest addition to our guaranteed issue, medical benefit product portfolio for the brokerage distribution system…Health Essential. Featuring three attractive plan designs to meet the needs of your clients, Health Essential is a great solution for the growing number of individuals who cannot qualify for, or afford, traditional health insurance; or employees who do not have employer-sponsored health insurance. Health Essential can also be sold as a gap plan for individuals with high deductible health plans.

Here are some of the key product features of Health Essential:
·   Guaranteed Issue.
·   No health questions to enroll.
·   Anyone age 18 to age 64 can participate.
·   4 plan designs with fully insured benefits to meet the needs of your clients.
·   Lifetime maximum to $1,000,000.
·   Choice of daily in-hospital room benefits up to $1,500 per day for 31 days.
·   Surgery benefits, inpatient and outpatient, plus coverage for anesthesia.
·   Doctor office visits and emergency room visits.
·   AD&D coverage included plus association member benefits.
·   Plans include 3-tier discount drug card and discount vision benefits.
·   Easy to sell and purchase online with your personalized quoting tools.  
·   List billing option for employer groups of 2 or more employees.
·   Very affordable… with insurance underwritten by an A- insurance carrier.
·   A great solution for millions of Americans without health insurance.
·   Top producer commissions…28% 1st year and 8% on renewals.
·   No “must be working” requirement.


If you would like to learn more about Health Essential and become appointed to sell it, please contact your MGA, National Benefits and ask for a demo of our easy to use online quoting tool. Health Essential is available in all states except: CT, KS, NJ, VT and WA.


 

Phone: 720-488-9892  or  800-530-8646
Fax:  720-488-9893

Mailing Address:
P.O. Box 370528
Denver, CO  80237-0528

Your General Agent for:
Individual Major Medical / Short-term Medical / Travel Insurance / Dental / Vision
Long-term Care / Disability / Term Life / Substandard Life / Group Benefits