emeryhealthcarereform strategies
TRANSCRIPT
Creating National Health Reform Strategies… Today!
1. The Future of Employee Benefits
2. The New Technique available Today
3. The Advantage in Dollars & Benefits
National Health Care Reform2014 - 2018
What Will National Health Care Look Like ??
• Most experts suggest it looking like our current Medicare model – Govt. or Employer provided “Core” Benefits + Voluntary “Gap” coverage
• Todays’ Medicare “GAP” plans A – J are offered to fill “holes in coverage”
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Medicare“Core” Plan
GAP INSURANCEA – J Plans
National Health Care will most likely look like Medicare
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Medicare“Core” Plan
GAP INSURANCE
National HealthCare “Core” Plan
GAP INSURANCE
Medicare2010 Model:
National Health Reform2018 Model:
OUR STRATEGY: Bring the benefits of National Health Care to your company
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“Core” Plan
GAP INSURANCE
National Health ReformModel available TODAY:
• We suggest combining a $5,000 GAP health insurance plan with a $5,000 deductible plan from your current carrier. The GAP plan handles payment of most claims for up to the first $5,000 of health insurance bills. Your major medical plan covers the rest of the claims.
NATIONAL REFORM MODEL: TODAY!
GAP InsuranceFirst $5,000 of
insurance claims
Major Medical Pays after $5,000 of claims and Co-Pays
•Dr Office•Prescription•Emergency
$ 0
$ 5000
• GAP Insurance plan pays for up to the first $5000 of inpatient/outpatient services• 91% of average yearly claims are under
$5,000• GAP insurance reduces Major Medical plan’s
claims exposure, therefore renewal rates drop.• Major Medical plan still covers Dr. office visit
co-pays, prescription co-pays, and emergency room co-pays.• Sum of GAP premiums + Major Medical =
Significant Savings + “First Dollar” coverage
GAP INSURANCE
• Save $500-$1,000/employee over Renewal costs• Eliminate most deductibles and provide
your employees 1st dollar coverage• GAP rates have not risen in 9 years.
Eliminate fears of annual rate increases• Make changes without changing your
Health Insurance carrier!
HOW GAP INSURANCE CAN IMMEDIATELY BENEFIT YOUR
COMPANY
Check out this recent
case
20 Percent Increase!!
We eliminated Increase!!
More
benefits
than before!
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We welcome your questions and comments on the GAP strategy.
Susan A. Emery248-853-6535