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Group & Individuals

• What changes can be expected?• What can you do to stay ahead of the

changes?• What strategies will maximize the

effectiveness of your insurance spending?

The Future of Health Insurance

Most industry experts suggest: whether there is a government component or if it is entirely employer base…

there will be a CORE (or Traditional) Plan coupled with a SUPPLEMENTAL (or Voluntary) Plan that fills in the GAPs

Traditional Plan

Supplemental

Plan

Changes

• Do nothing in anticipation of the changes and hope for the best > then watch your insurance costs go up year after year,

• Pass more of the health insurance costs on to your employees > in effect: lower their wages each yearOR;

• Use existing insurance products to set up a comprehensive, cost effective insurance program right now.

Your Options

CORE

GAP

Combine a High Deductible Major Medical Plan (CORE Plan) with a GAP Plan.

The Cost Effective Strategy

Steps

First, enroll in a traditional high deductible health insurance plan.

Immediate savings on your annual cost of insurance.

Then, add GAP coverage.Covers the Traditional Plan deductible.Keeps out-of-pocket employee expenses as low as possible.

Features

CORE PLAN

NOTE: No matter what level of deductible or claims experience, premiums have consistently risen each year by at least 15%.

PRO: • Comprehensive coverage

CON:• High premium costs regardless of

usage• Escalating annual premium

Core Plus GAP Plan

PRO: • Comprehensive coverage• Low out-of-pocket expenses• Low annual premium costs• Stabilized annual insurance

costs

Prescription Plan: No Change in current coverage or costs.

Traditional (CORE) + GAP

How It Works

• You receive two insurance cards; one for CORE Medical Plan and one for GAP Plan.

• You also receive an information card that tells you which card to use when you go for office visits, lab work, exams, hospital or emergency room—wherever you receive medical attention.

• If the service is not covered by CORE Medical but is covered by GAP, your bill will be paid by the GAP insurance company.

Benefits

• GAP pays up to the first $10,000 of most in-patient services and $5,000 of most out-patient services eliminating most out-of-pocket expenses.

• GAP coverage reduces the number of claims under your Major Medical Plan slowing the rate of annual increases in insurance premiums.

• GAP insurance rates have not risen in the last 10 years stabilizing your annual insurance costs.

Insurance Facts

• 91% of average yearly medical claims are under $5,000.• Insurance rates have risen between 15% to 20% each

year since 2007.• Average Traditional Family premiums have increased

from $750 in 2007 to $1,290 this year.• With a traditional health insurance plan, GAP coverage

typically saves you $1,000 a year per employee in direct insurance costs.

Questions?

Office: (248) 853-6535sue@EmeryBenefitSolutions.comwww.EmeryBenefitSolutions.com