TIDEWATER MANAGEMENT GROUP - RONNIE JAMES OUR FMO ABOUT TMG - - PowerPoint PPT Presentation
TIDEWATER MANAGEMENT GROUP - RONNIE JAMES OUR FMO ABOUT TMG Tidewater Management Group strives to provide education, support, respect and sustainability to all of our agents. Our business is built on relationships with agents &
TIDEWATER MANAGEMENT GROUP - RONNIE JAMES
OUR FMO
Tidewater Management Group strives to provide education, support, respect and sustainability to all of
business is built on relationships with agents & brokers with whom we are committed to achieving success in a professional and quality environment.
OUR FMO
JUST A FEW REASONS TO PARTNER WITH TMG:
OUR FMO
Total premium for actively selling companies totaled approximately $2.2 billion in 2015
Total premium for actively selling companies totaled approximately $2.176 billion in 2014
MEDICARE SUPPLEMENTS
MEDICARE SUPPLEMENTS
EXHIBIT F. PERCENTAGE OF SALES PREMIUM BY SOURCE
It is still beneficial to talk to people over 65 about Medicare Supplements. Underwritten supplements are 40%!!
MEDICARE SUPPLEMENTS
MEDICARE SUPPLEMENTS
Through December 7th
MEDICARE SUPPLEMENTS
MEDICARE SUPPLEMENTS
MEDICARE SUPPLEMENT
Plan G Rates Female Non-tobacco
65 - $91.11 68 - $92.90 70 - $100.50
7% Discount applied
Plan G Rates Male Non-tobacco
65 - $104.72 68 - $106.77 70 - $115.52
7% Discount applied
LOYAL CHRISTIAN BENEFIT ASSOCIATION
13% Part D Spending 3% Part B Spending 84% Other Medicare Spending
MEDICARE PRESCRIPTION DRUGS
HOSPITAL INDEMNITY PLANS
deductible Plan F at any time!
for placed business!
Stable Rates
possibility
HOSPITAL INDEMNITY PLANS
LIFE INSURANCE
CANCER, HEART ATTACK & STROKE
CANCER SURVIVORS IN AMERICA TODAY
36% OF THEM ARE BROKE
IN THE AMOUNT OF TIME IT TOOK YOU TO READ THIS SLIDE, SOMEONE NEW HAD A HEART ATTACK IN THE U.S. EVERY 34 SECONDS.
CANCER HEART ATTACK AND STROKE
CANCER HEART ATTACK AND STROKE
HOME HEALTHCARE
Americans with no dental insurance
Why do they need it?
STUDIES SHOW THOSE WITHOUT:
67% more likely to have heart disease 50% more likely to have
29% more likely to have diabetes
DENTAL VISION & HEARING
MEDICO VS CUL
Medicare beneficiaries.
By 2050 that number will rise to:
MEDICARE ADVANTAGE
MEDICARE ADVANTAGE
TOTAL MEDICARE PRIVATE HEALTH PLAN ENROLLMENT 1999-2016
MEDICARE ADVANTAGE
SHARE OF MEDICARE BENEFICIARIES ENROLLED IN MEDICARE PRIVATE PLANS BY STATE, 2016
NC - 1.78M SC - 950K GA - 1.52M TN - 1.34M
Total Medicare Enrollees
Plan designs and service areas described in this document are pending government approval and are therefore subject to change. For producer use only. Confjdential and Proprietary.
Mid South Market — SOUTH CAROLINA
South Carolina/Greenville, Laurens, Spartanburg, York
Aetna Medicare Premier Plan (PPO) (H5521-140) Why You Should Sell This Plan Aetna’s new $0 PPO plan with a 4.5-star rating and robust provider network. Pairs competitive out-of-pocket costs with a rich Rx formulary and large Tier 1 Rx list. This plan gives you the freedom to access care both In and out of network. Includes extras above Medicare, including both dental and vision allowance and a $0 SilverSneaker membership. Monthly Premium PCP In-Network Specialist In-Network Inpatient Hospital In-Network $290 per day, days 1-6; $0 per day, days 7-90 Out-of-pocket Maximum $6,700 In-Network/$10,000 Combined Prescription Drugs Preferred Pharmacies/ Non-Preferred Pharmacies Tier 1 - Preferred Generic $2/$10 copay Tier 2 - Generic $5/$20 copay Tier 3 - Preferred Brand $47 copay Tier 4 - Non-Preferred Drug $100 copay Tier 5 - Specialty 29% coinsurance
Plan designs and service areas described in this document are pending government approval and are therefore subject to change. For producer use only. Confjdential and Proprietary.
(H5521-140) Aetna’s new $0 PPO plan with a 4.5-star rating and robust provider network. Pairs competitive out-of-pocket costs with a rich Rx formulary and large Tier 1 Rx list. This plan gives you the freedom to access care both In and out of network. Includes extras above Medicare, including both dental and vision allowance and a $0 SilverSneaker membership. Monthly Premium $0 PCP In-Network $15 Specialist In-Network $45 Inpatient Hospital In-Network $290 per day, days 1-6; $0 per day, days 7-90 Out-of-pocket Maximum $6,700 In-Network/$10,000 Combined Prescription Drugs Preferred Pharmacies/ Non-Preferred Pharmacies Tier 1 - Preferred Generic $2/$10 copay Tier 2 - Generic $5/$20 copay Tier 3 - Preferred Brand $47 copay Tier 4 - Non-Preferred Drug $100 copay Tier 5 - Specialty 29% coinsurance
HumanaChoice H6609-120 (PPO) (LPPO)
Premium $49.00 MOOP IN $6700 / OON $10,000 PCP IN $15 / OON 30% Specialist IN $50 / OON 30% Inpatient IN $295 per day (Days 1 - 6); $0 per day (Days 7 - 90) Inpatient OON 30% per admit RX Copay Tiers $5 / $17 / $47 / $95 / 25%
AIKEN, BARNWELL, NEWBERRY, SALUDA
Humana Gold Choice H8145-069 (PFFS)
Premium $85.00 MOOP $6700 PCP $15 Specialist $50 Inpatient IN $360 per day (Days 1 - 5); $0 per day (Days 6 - 90) Inpatient OON $360 per day (Days 1 - 5); $0 per day (Days 6 - 90) RX Copay Tiers $7 / $17 / $47 / $97 / 27%
ABBEVILLE, AIKEN, ANDERSON, BAMBURG, BEUFORT, EDGEFIELD, GREENVILLE, JASPER, LEE, OCONEE, RICHLAND, SPARTANBURG, YORK
HumanaChoice R5826-064 (Regional PPO)
Premium $0 MOOP IN $5900 / OON $7500 PCP IN $15 / OON $45 Specialist $45 Inpatient IN $900 per admit Inpatient OON $1250 per admit RX Copay Tiers
States of Georgia and South Carolina
HumanaChoice R5826-077 (Regional PPO)
Premium $82 MOOP $6700 PCP $20 Specialist $50 Inpatient IN $360 per day (Days 1 - 5); $0 per day (Days 6 - 90) Inpatient OON $360 per day (Days 1 - 5); RX Copay Tiers $7 / $17 / $47 / $97 / 27%
States of Georgia and South Carolina
Humana Gold Plus H2012-006 (HMO)
Premium $19 MOOP $6700 PCP $15 Specialist $45 Inpatient IN $345 per day (Days 1 - 5); $0 per day (Days 6 - 90) Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%
Richland County
Humana Gold Plus SNP-DE H2012-053 (HMO SNP)
Premium $0 MOOP $6700 PCP 20% Specialist 20% Inpatient IN $375 per day (Days 1 - 3); $0 per day (Days 4 - 90) Inpatient OON RX Copay Tiers $0 / $15 / $47 / $100 / 30%
Greater South Carolina
Humana Gold Plus H2012-096 (HMO)
Premium $29 MOOP $6700 PCP $15 Specialist $50 Inpatient IN $360 per day (Days 1 - 5); $0 per day (Days 6 - 90) Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%
BERKLEY, CHARLESTON, COLLETON, DORCHESTER
Humana Gold Plus H2012-100-004 (HMO)
Premium $0 MOOP $6700 PCP $5 Specialist $45 Inpatient IN $345 per day (Days 1 - 5); $0 per day (Days 6 - 90) Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%
ANDERSON, CHEROKEE, SPARTANBURG
Humana Gold Plus H2012-100-005 (HMO)
Premium $0 MOOP $6700 PCP $15 Specialist $45 Inpatient IN $345 per day (Days 1 - 5); $0 per day (Days 6 - 90) Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%
GREENVILLE, OCONEE, PICKENS
HumanaChoice H5525-025 (PPO)
Premium $61 MOOP IN $6700 / OON $10,000 PCP IN $15 / OON 30% Specialist IN $50 / OON 30% Inpatient IN $360 per day (Days 1 - 5); $0 per day Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%
BAMBURG, CALHOUN, FAIRFIELD, GEORGETOWN, KERSHAW, LEE, ORANGEBURG
30% per admit
HumanaChoice H6609-124 (PPO)
Premium $69 MOOP IN $6700 / OON $10,000 PCP IN $15 / OON 40% Specialist IN $50 / OON 40% Inpatient IN $360 per day (Days 1 - 5); $0 per day Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 26%
ALLANDALE, BERKLEY, CHARLESTON, COLLETON, DORCHESTER, HAMPTON
40% per admit
HumanaChoice H6609-127 (PPO)
Premium $47 MOOP IN $6700 / OON $10,000 PCP IN $15 / OON 30% Specialist IN $45 / OON 30% Inpatient IN $360 per day (Days 1 - 5); $0 per day (Days 6 - 90) Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25%
ABBEVILLE, ANDERSON, CHAROKEE, GREENVILLE, LAURENS, OCONEE, PICKENS, SPARTANBURG, UNION, YORK
40% per admit
WellCare Advance (HMO) H1416027 WellCare Value (HMO) H1416037
Counties Abbeville, Cherokee, Greenville, Greenwood, McCormick, Newberry, Pickens, Saluda, Spartanburg, Union Abbeville, Cherokee, Greenville, Greenwood, McCormick, Newberry, Pickens, Saluda, Spartanburg, Union Premium Part B Giveback $0.00 $0.00 Total Premium (Part C part D) $0.00 $0.00 In-Network Plan Deductible N/A N/A Maximum Out of Pocket (MOOP) $4,500 $6,700 Inpatient Hospital - Acute $325 co-pay per day for Days 1-5 $400 co-pay per day for Days 1-4 PCP Office Visits $10 $20 Specialist Office Visits $35 $40 Over-the-Counter Items
P P
Medically Necessary Transportation
P P
Fitness Membership
P P
Dental Benefits
P P
Vision Benefits
P P
Hearing Benefits
P P
Rx Deductible N/A $0 Deductible Tiers N/A N/A Tier 1: Preferred Generic N/A $0 Tier 2: Generic N/A $20 Tier 3: Preferred Brand N/A $47 Tier 4: Non-Preferred Drug N/A 45% Tier 5: Specialty Tier N/A 33%
Producer use only. Confidential and proprietary. Not to be distributed or shared with Medicare beneficiaries. Distribution to any person or
WellCare Access (HMO SNP) H1416036
Counties Abbeville, Cherokee, Greenville, Greenwood, McCormick, Newberry, Pickens, Saluda, Spartanburg, Union Premium Part B Giveback $0.00 Total Premium (Part C part D) $0.00 In-Network Plan Deductible $0 Maximum Out of Pocket (MOOP) $6,700 Inpatient Hospital - Acute $0 co-pay up to 90 days per admission PCP Office Visits $0 Specialist Office Visits $0 Over-the-Counter Items
P
Medically Necessary Transportation Trips
P
Fitness Membership
P
Dental Benefits
P
Vision Benefits
P
Hearing Benefits
P
Rx Deductible $0 Deductible Tiers Tiers 2-5 Tier 1: Preferred Generic $0 Preferred Generics & Preferred Brand Generics: $0 / $1.20 / $3.30 / 15% Brands: $0 / $3.70 / $8.25 / 15% Tier 2: Generic Tier 3: Preferred Brand Tier 4: Non-Preferred Drug Tier 5: Specialty Tier