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 & 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: ‣ No Reduced Commissions ‣ No Assignment of Commissions ‣ Dedicated Licensed Agent Support ‣ Free unbiased mobile CSG quoting tool ‣ Lead Programs ‣ Incentive Trips ‣ Quarterly training meetings & seminars - no cost ‣ Exclusive VIP Portal

OUR FMO TODAY’S MEETING AGENDA ‣ Medicare Supplements ‣ Medicare Prescription Drug Plans ‣ Hospital Indemnity ‣ Life Products ‣ Cancer, Heart Attack & Stroke ‣ Home Health Care Products ‣ Dental, Vision & Hearing ‣ 2017 Medicare Advantage Benefits

MEDICARE SUPPLEMENTS INCREASE 4.2%! 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 PLAN F ACCOUNTS FOR MORE THAN 50% OF MEDICARE SUPPLEMENTS PLACED.

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 TMG MEDICARE SUPPLEMENT CARRIERS ‣ Aetna Senior Supplemental ‣ Individual Assurance Company ‣ Assurity ‣ LCBA ‣ Bankers Fidelity ‣ Manhattan Life ‣ Central States Indemnity ‣ Medico ‣ Central States Indemnity Life ‣ Mutual of Omaha ‣ Cigna ‣ Oxford Life ‣ Equitable Life ‣ Thrivent ‣ Everest Reinsurance Company ‣ Transamerica ‣ Guarantee Trust Life ‣ United American ‣ Humana ‣ United Health Care

MEDICARE SUPPLEMENTS CSI ‣ Plans A, B, F, G, N ‣ 30 day free look ‣ 12 month rate guarantee ‣ Incentive Trip ‣ A Rated Carrier ‣ Not going up more than 3% over the next 3 years

MEDICARE SUPPLEMENTS BANKERS FIDELITY ‣ A Rated Carrier ‣ Incentive Trip ‣ $50 bonus for every app written ‣ 5 apps for 5 leads

MEDICARE SUPPLEMENTS GUARANTEE TRUST LIFE ‣ Plans A, F, G, N ‣ Top 5 in Rates ‣ Very Stable B++ Carrier ‣ 7% Household Discount ‣ Yes/No Application With a 3-4 Day Turnaround ‣ Great GTL Products to Cross-sell

IS MEDICARE PART D IMPORTANT? TOTAL MEDICARE SPENDING IN 2014 = $613.3 BILLION 13% Part D Spending 3% Part B Spending 84% Other Medicare Spending

MEDICARE PRESCRIPTION DRUGS SILVERSCRIPT ‣ 2017 Plan designs are $0 deductible ‣ More than 67,000 retail pharmacies in network ‣ Some plans have gap coverage for Tier 1&2 drugs ‣ eApplication starting with the 2017 AEP ‣ New to Medicare $71 commission ‣ Renewal / Rollover $36 commission ‣ Annual certifications now available

HOSPITAL INDEMNITY EVEN COVERS HIDDEN COSTS! ‣ Prescription drug expenses ‣ Experimental treatments ‣ Lost time at work ‣ Travel & Food ‣ Lodging

HOSPITAL INDEMNITY PLANS GUARANTEE TRUST LIFE ‣ Guaranteed issue from ages 64 1/2 to 65 1/2 ‣ Easy E-App and iPad app ‣ Covers 24 Hour "Observation" Stays at 100% ‣ Year round selling opportunity ‣ Cash benefits paid directly to the insured ‣ Commissions paid weekly ‣ Cancer Rider (5 year look back)

HOSPITAL INDEMNITY PLANS AETNA ‣ Guaranteed issue from ages 64 1/2 to 65 1/2 ‣ Easy E-App and iPad app ‣ Covers 24 Hour "Observation" Stays at 100% ‣ Year round selling opportunity ‣ Cash benefits paid directly to the insured ‣ Commissions paid weekly ‣ Cancer Rider (5 year look back)

LIFE INSURANCE… DO YOU BELIEVE? Studies show that 1 out of 1 will die.

LIFE INSURANCE TMG LIFE INSURANCE CARRIERS ‣ Aetna Senior Supplemental ‣ Liberty Bankers Life ‣ American General ‣ Medico ‣ Assurity ‣ Mutual of Omaha ‣ Baltimore Life ‣ National Guardian Life ‣ Bankers Fidelity ‣ Oxford Life ‣ Banner Life ‣ Protective ‣ Cincinnati Life ‣ Sagicor ‣ Equitable Life ‣ Settlers Life ‣ Forethought ‣ Standard Life and Casualty ‣ Foresters ‣ Transamerica ‣ Gerber ‣ United American ‣ Great Western ‣ United Home Life ‣ Guarantee Trust Life ‣ Washington National ‣ Kemper

CANCER, HEART ATTACK & STROKE 15.5 MILLION 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 GUARANTEE TRUST LIFE BRAND NEW! ‣ Issue from ages 18 to 90 ‣ Lump Sum Benefit (up to $75K) ‣ Return of Premium Rider ‣ $500 Per Year Skin Cancer Benefit (3 times) ‣ $100 Wellness Benefit for Annual Physical Exam (per year) ‣ Dental Vision Rider ‣ Intensive Care Rider ‣ Recurrence Benefit 100% after 5 years

HOME HEALTHCARE The Fastest Growing Segment of the Healthcare Industry

HOME HEALTHCARE KEMPER ‣ $150/day for home health ‣ Paid directly to the insured ‣ Medicare covers home health at 100% ‣ Used any way the insured desires ‣ Client can own 2 policies ‣ Prescription Drug Reimbursement ‣ Home Healthcare Aid Coverage ‣ Only 2 Health Questions

MEDICARE ADVANTAGE In 2016 there are 55.5 MILLION Medicare beneficiaries. By 2050 that number will rise to: 89 MILLION

MEDICARE ADVANTAGE TOTAL MEDICARE PRIVATE HEALTH PLAN ENROLLMENT 1999-2016

MEDICARE ADVANTAGE SHARE OF MEDICARE BENEFICIARIES ENROLLED IN MEDICARE PRIVATE PLANS BY STATE, 2016 Total Medicare Enrollees NC - 1.78M SC - 950K GA - 1.52M TN - 1.34M

HumanaChoice (RPPO) (R5826-001) Premium $86 MOOP In $6700 / OON $10,000 PCP IN $20 / OON 40% Specialist IN $50 / OON 30% Inpatient IN $325 Days 1-5 Inpatient OON 30% per admit RX Copay Tiers $7 / $17 / $47 / $95 / 29% States of Alabama and Tennessee

HumanaChoice (RPPO) (R5826-065) Premium $0 MOOP IN $3400 / OON $10,000 PCP IN $10 / OON 30% Specialist IN $30 / OON 30% Inpatient IN IN $550 per admit / OON 30% per admit Inpatient OON RX Copay Tiers $4 / $17 / $47 / $100 / 27% States of Alabama and Tennessee

HumanaChoice (LPPO) (H6609-088) Premium $60 MOOP In $6700 / OON $10,000 PCP IN $15 / OON 30% Specialist IN $45 / OON 30% Inpatient IN IN $285 Days 1-6 / OON 30% per admit Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25% Memphis Metro Area

Humana Gold Plus (H4461-004) (HMO) Premium $45 MOOP $5,900 PCP $10 Specialist $30 Inpatient IN $0 per admit Inpatient OON RX Copay Tiers East Tennessee

Humana Gold Plus SNP-DE (HMO SNP) (H4461-022) Premium $0 MOOP $6700 PCP 20% Specialist 20% Inpatient IN $475 Days 1-3 Inpatient OON RX Copay Tiers $0 / $4 / $47 / $100 / 28% Greater Tennessee

Humana Gold Plus (HMO) (H4461-025) Premium $29 MOOP $6,700 PCP $10 Specialist $45 Inpatient IN $295 Days 1-6 Inpatient OON RX Copay Tiers $5 / $17 / $47 / $97 / 25% Memphis Metro Area

Humana Gold Plus (HMO) (H4461-029) Premium $0 MOOP $6,700 PCP $15 Specialist $45 Inpatient IN $345 Days 1-5 Inpatient OON 30% per admit RX Copay Tiers $7 / $17 / $47 / $97 / 25% Nashville Metro Area

Humana Gold Plus (HMO) (H4461-030-001) Premium $108 MOOP $5,900 PCP $10 Specialist $40 Inpatient IN $0 per admit Inpatient OON RX Copay Tiers $5 / $17 / $47 / $97 / 29% East Tennessee

Humana Gold Plus (HMO) (H4461-030-002) Premium $108 MOOP $6,100 PCP $10 Specialist $40 Inpatient IN $0 per admit Inpatient OON RX Copay Tiers $5 / $17 / $47 / $97 / 29% East Tennessee

Humana Gold Plus (HMO) (H4461-030-003) Premium $120 MOOP $6,700 PCP $10 Specialist $40 Inpatient IN $200 Days 1-8 Inpatient OON RX Copay Tiers $5 / $17 / $47 / $97 / 29% East Tennessee

Humana Gold Plus (HMO) (H4461-031-001) Premium $39 MOOP $5,900 PCP $5 Specialist $40 Inpatient IN $245 Days 1-6 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 26% East Tennessee

Humana Gold Plus (HMO) (H4461-031-002) Premium $43 MOOP $6,700 PCP $15 Specialist $40 Inpatient IN $275 Days 1-7 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 26% East Tennessee

Humana Gold Plus (HMO) (H4461-031-003) Premium $45 MOOP $6,700 PCP $15 Specialist $40 Inpatient IN $345 Days 1-5 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 26% East Tennessee

HumanaChoice (LPPO) (H6609-089) Premium $72 MOOP IN $6700 / OON $10,000 PCP IN $20 / OON 40% Specialist IN $45 / OON 40% Inpatient IN $345 Days 1-5 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25% Nashville Metro Area

HumanaChoice (LPPO) (H6609-090) Premium $72 MOOP IN $6700 / OON $10,000 PCP IN $20 / OON 30% Specialist IN $45 / OON 30% Inpatient IN IN $295 Days 1-6 / OON 30% per admit Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 25% Chattanooga Metro Area

HumanaChoice (LPPO) (H6609-091) Premium $69 MOOP IN $6700 / OON $10,000 PCP IN $15 / OON 30% Specialist IN $40 / OON 30% Inpatient IN $250 Days 1-7 Inpatient OON RX Copay Tiers $7 / $17 / $47 / $97 / 27% Chattanooga Metro Area