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 It's
not through chance or luck that Nippon has achieved
the success that it has. A recent survey of 2,000
Nippon medical and dental claimants gave them a 90
percent satisfaction rating. Nippon Life, like the
Palmer Agency, views service as the most integral
part of our daily mission, and by providing the highest
levels of quality service and customer satisfaction,
Nippon Life has earned the loyal support and trust
of their customers.
Why choose Nippon
Life for your client's healthcare benefit plans?
Here are several good reasons:
• Nippon Life offers flexible, multi-state
group insurance products, including Medical, Dental,
Life, and Disability.
• Nippon Life Insurance of America, was ranked
56th in the 2005 Fortune Global 500.
• Nippon Life offers the networks your clients
need: PHCS, First Health, and 1st Medical Network.
• A broad portfolio of products and options
are designed with our clients' needs in mind and
choices tailored to companies of all sizes.
• Competitive compensation package
• A centralized Customer Service Center offers
single-call solutions. One toll-free call to 1-800-YES-NLIA
(1-800-937-6542) puts you in touch with a trained
staff member ready and able to provide answers to
your questions.
• Without fail, Nippon responds to all customer
questions and concerns by the following business
day and processes all transactions accurately and
efficiently.
• Plans are explained in an easy-to-understand
manner, as are employee forms and benefit payment
explanations.
• Innovative managed care services keep disability
and healthcare benefit plan costs down.
• Nippon regularly monitors customer satisfaction
through quality surveys, to assure that services
always meet their high standards.
• Nippon's parent company maintains an A+
(superior) rating from Standard & Poors, an
A.M. Best rating of A+ (superior), and has over
$430 billion in assets.
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•
Nippon Medical Plans
•Nippon
Lab Card Program
•
Nippon Lab Card Benefits
•
Nippon Lab Card Q&A
•
Nippon HSA Plans
•
Nippon Dental Brochure
•
Nippon Dental Plans
•
Nippon Vision
•
Nippon STD
Assurant Health
 Formerly
known as Fortis, Assurant Health has a whole new look!
• Leader in group Health
savings accounts and health reimbursement accounts
• Strong, proven customer
service with consistent performance in the group market
•
Competitive PPO plans with strongGeorgia networks with
variety of copays and deductible options, including
dual plan designs
• Can accommodate
many scattered employee groups in many states
• Strong commissions
and bonus opportunities
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of Adobe WILL NOT PRINT CORRECTLY.
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Kaiser
Permanente
• Competitive
rates and very flexible plans in the extended metropolitan
Atlanta market
•
Multi-Choice Plans are like having
a POS, PPO & INDEMNITY Plan in one!! Your clients
are able to minimize their out-of-pocket costs through
several flexible plans, plus have access to over 6800
Kaiser Permanente and PHCS network doctors & 40
hospitals in the 20 county Kaiser Permanente
service area with no referrals needed!
• Commitment to
Quality: Kaiser Permanente has earned the NCQA Excellent
Accreditation for two years in a row. The Southeast
Permanente Medical Group also received the American
Medical Group Association's Preeminence Award honoring
their leadership, high quality care, and excellent
service.
•
Competitive commissions and easy bonus opportunities
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Allied
National Companies
• One of the nation's oldest and most respected
administrators of group and individual insurance benefit
plans
• Service,
stability, respect, quality, value, tradition and
innovation
•
Backed by one of the largest and strongest reinsurers
in the world (rates A + + Superior)
• Wellness
Horizons Cost-Saver small group limited benefits plan
like no other. It includes benefits people want and
use the most, including immediate coverage for office
visits (subject to copay) and prescription drugs.
BEST OF ALL, this plan is non-medically underwritten.
That means no medical underwriting, no health questions
and no rate ups. The rates you sell are the final
rates!
•
Freedom to design your ideal health insurance based
on one of the four plan types: Traditional PPO, No
Deductible PPO and Premium Advantage PPO plans.
•
Catastrophic coverage options can save 30% to 40%
in premium over traditional plans.
• Adjustable
copays, flexible deductibles and first-dollar benefit
options.
Links:
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here to download.
•
Allied National Group Health Plans
•
Allied National Plan Disclosure
•
Allied National Agent Guide
• Allied National Cost Saver Plan
•
Allied National Cost Saver Plus Major Medical
 IAC
(Insurers Administrative Corporation)
Since 1978, brokers have
relied on Insurers Administrative Corporation (IAC)
for affordable health insurance solutions and professional,
responsive administration. We're all about helping
you find new and inventive ways to save your client's
money and create differentiation in your marketplace.
The Group Advantage Series portfolio is our latest
answer to the health insurance cost crisis.
This small group program (2-50
employees) is designed to help small employers stem
rising health insurance costs by offering many unique
and forward-thinking plan designs, including consumer-driven
arrangements at significant rate savings over traditional
copay plans. We've even included valued added tools
to help employees more efficiently manage their health
care situation.
Recently, IAC was acquired by
Independence Holding Company (IHC), a NYSE listed
corporation (Symbol IHC) with principal interests
in the life and health insurance business. Founded
in 1958, IHC is domiciled and headquartered in the
State of New York, and is licensed in all 50 states.
At December 31, 2005, consolidated assets of Independence
Holding Company were $1.15 billion with total stockholders
equity of $198.8 million.
Standard Security Life
Another wholly-owned subsidiary
of IHC, Standard Security Life Insurance Company of
New York, fully underwrites the Group Advantage Series
portfolio. With approximately $300 million of premium,
$110 million of Statutory Equity and an "A"
rating by A.M. Best, you can feel comfortable knowing
there is a solid financial footing for your insurance
coverage. These are national standards that you can
rely on. - Excellent Compensation - Choice of PPO
- Agent Service Center
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version of Adobe WILL NOT PRINT CORRECTLY.
Click
here to download.
 Framework
Health Plan provides you with the underlying structure
upon which to craft a limited medical health plan
that makes sense for your clients. Contained within
Framework Health Plan are multiple "A" rated carriers,
giving you options, flexibility, and strength. Their
turnkey administrative solution offers you multiple
billing options, enrollment options and dedicated
account managers. Framework Health Plan is where
brokers build limited medical business.
Reliability Counts.
Fringe Benefit Group, founded in 1983, is focused
on serving the needs of America's hourly and part-time
employees. For this market we have pioneered the
development and implementation of turnkey marketing
and program administration solutions. Our growing
list of clients includes well-known leaders in the
retail, restaurant, grocery, nursing home and convenience
store industries. The Framework Health Plan is specifically
designed for employers looking for a health plan
that is affordable, flexible, and easily administered.
Framework Health Plan successfully serves both National
and Middle Market Accounts. Brokers have access
to proven tools that help sell and enroll business.
Middle Markets.
Middle Markets serves clients from 5 to 999 lives.
A focus on marketing and turnkey programs that brokers
can present, sell and enroll quickly, Middle Markets
is the established way to write a case. Brokers
can download marketing material in our agent section
that is ready for presentation today.
National Accounts.
National Accounts focuses on groups
with over 1000 eligible lives. These groups often
have payroll cycle based billing needs and require
effective, flexible enrollment solutions.
We listen to each of our clients and understand
their unique needs. Your plan will be built upon
your input and specific requirements. Therefore,
you receive a customized plan that is ideal for
your organization.
Multiple Billing Methods.
Our system can accommodate weekly, bi-weekly, semi-monthly,
hourly, hour bank, and traditional monthly billing.
This flexibility means that the Framework Health
Plan will work with you existing billing system.
We minimize the workload for a busy HR department.
High Quality Fulfillment
Materials. We can provide you with
customized fulfillment materials, including plastic
ID cards with the employees' names printed on the
cards.
Custom Communications.
We can provide an enrollment strategy
customized to your group's needs that maximizes
employee interest and participation. From teaser
postcards, enrollment brochures, posters, and web-based
communication, we can tailor an enrollment specifically
designed for your group's needs.
Enrollment Methods.
Paper, File Feed, "Live" Call Center and Web Based
- We offer a number of different ways to maximize
participation.
Click
here for a sample proposal.
American Health Value (HSA Bank & Administrator)
(PDF)
Providing Full Service Health Savings Accounts
1. Save On Expenses:
• Using the Cost
Comparison Calculator, the premium savings with
the HDHP over current policy can be shown in actual
dollars and percentages.
• The employer
can transfer these savings (or a percentage thereof)
into funding the HSA for their employees.
• In essence,
you have identified the dollar amount available
that can be used to fund the HSA without increased
expense (or in some cases - a savings).
• Also, contributions
to employees HSA are tax deductible by the employer.
2. Reduce
Administrative Time & Cost:
• HSAs have
no ERISA requirements.
• No requirements
for plan or summary documents.
• They do not
require claims management.
• Federal reporting
requirements are provided for both employer and
employee as part of the complete package with
no additional cost incurred.
3. Long
Term Benefits:
• The more involved
an employee is with their own (HSA) healthcare
dollars, the more they become price shoppers and
wise consumers.
• This discourages
over-utilization because what they don't spend
they keep, rolling over year after year earning
tax deferred interest.
• This results
in better claims experience which provides even
lower renewal rates.
4. Attract,
Retain, & Motivate Quality Employees:
• With a HDHP/HSA
a small business can compete offering an affordable,
attractive, and functional benefit plan. Funded
HSAs are the 'bells & whistles' to the plan.
• An employer
is providing a quality medical plan and the employer
funded HSA provides the employee the ability to
pay for qualified current or future medical expenses
tax free.
• In addition,
because what the employee doesn't spend they keep,
they are able to save for retirement. Just think
of it as a medical IRA.
• Attractive
HSA features include paying their deductible with
pre-tax dollars including expenses for dental,
vision, preventive, chiropractic, over-the-counter
medications, etc. The HSA funds can be used for
any family member whether on the policy or not.
• Employer's
contributions are non-taxable to the employee.
The employee HSA contributions are deducted from
their gross income on Federal tax returns, even
if they don't itemize deductions.
• In essence,
an employer is providing a tax free bonus with
money they used to pay in higher premiums without
the employer cost of FICA, Medicare, etc.
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