“ Guaranteed Issue ” Health Insurance Plans Marketed by Licensed Representatives of GoHealth...

“Guaranteed Issue” Health Insurance Plans

FirstChoice

Marketed by Licensed Representatives of

GoHealth VMO

Agents, please understand that any prospect who can

afford and qualify for a Major Medical plan should be encouraged to purchase

one. We do not endorse agents utilizing our plan if

it is possible for the prospect to purchase coverage that is more

comprehensive than our plan.

With that said, also understand that we have two excellent plan designs,

Traditional and Super Supp, that are

specifically designed to reduce or eliminate the out of pocket

costs left over by Major Medical for an average period

of hospital confinement.This is one of the reasons that a high

percentage of all FirstChoice applicants are in perfect or near perfect health, which also contributes to the success

and longevity of our program.

Central United Life is a member of the Manhattan Insurance Group.

Manhattan Life ( Est 1850 ) was the first insurance company to

issue a life insurance policy on the life of a female.

They also earned the nickname “Old Reliable” pay paying claims on the

lives of deceased Confederate soldiers during the Civil War.

FirstChoice Proud of our Roots!

The Best BenefitsThe Best PriceThe Most Secure PolicyThe Highest CommissionsFantastic Incentive Trips

Our Value Proposition

FirstChoice Plan Design

FirstChoice Plans are true “Defined Benefit” plans. As such, the stipulated benefit is always paid in full,

regardless of the billed amount. There is no

“pays UP TO $$$” language in

FirstChoice policies!

FirstChoice Guaranteed Issue Health Plans

Who qualifies for “Guaranteed Issue”

Consideration?

Individuals (W-2 or 1099) age 18-65 who work an average of

30+ hours per week, their spouse ( if 18-65 ) and their children.


By limiting eligibility to employees who work an

average of 30+ hours/week, and avoiding marginal

benefits subject to abuse, we are able to provide what we believe to be the strongest

package of “Guaranteed Issue” benefits available in

our industry today!


Remember that all FirstChoice plans are

GUARANTEED RENEWABLE POLICIES, not certificates of a

Group Master policy or Association Plan.

This provides much greater protection for the

insured's!


If the policy holder is still actively at work on the policy anniversary date after age 65, and they desire to continue the coverage, they may keep the policy by maintaining employment and renewing at policy anniversary dates until age 70!

Are there any Ineligible Conditions or

Ineligible Occupations with FirstChoice?

NO!Individuals 18-65 working an average of 30+ hours per week may apply regardless of their

Occupation or Pre-Existing Conditions!



How are Pre Existing Conditions treated?

Conditions for which an insured sought or received medical

treatment in the 12 months prior to application date, or which manifest symptoms that would have caused

an ordinarily prudent person (a person of average intelligence) to have done so will not be covered for 12 months after the effective

date, whether or not they are disclosed on the application.


There are THREE important areas that must be considered when selecting which Guaranteed

Issue plans to market. We feel that the FirstChoice Plan Series is superior to the competition in all three!

PLAN DESIGN, PREMIUM, and

COMPENSATION


The FirstChoice PLATINUM

Plan has 6 separate benefits,

including the 4 most significant, that are equal

to or superior to ANY GUARANTEED

ISSUE PLAN currently being sold!

Get a FirstChoice Brochure & Note These Benefits:• Hospital Benefits, Up to $4500 per day!

($2500 day 1, & days 3 – 6, $1500 for day 2) $500 per day for days 7 – 365. Then, ICU pays an additional $2000 for up to 20 days/yr!)

• Surgical Schedule of $10,000 per occurrence + 25% to the • Anesthesiologist.• Accidental Injury scheduled benefits up to $1800, plus $200 per

injury, plus any applicable surgical/anesthesiology benefits.• Maternity as any other illness• Wellness ($400 MAM, $100 PAP)• Doctor’s Office $100 x 4 (or $150 per visit if ER for Sickness)• ( SIR rider not available in NC & GA, HII not available in GA, Surgery • Rider is available in PA instead of Surgery + Rider. )



Most FirstChoice plan designs include a unique combination of features that provide significant “front loaded” benefits when

they are needed the most. There are three separate benefits designed to provide

cash when hospital confined.

1) The Daily Room Benefit2) The Indemnity Benefit3) The First Hospital Confinement Benefit


The Daily Room Benefit is paid for up to

365 days per period of confinement,

much longer than any competitor.

( Others are usually 30 or 31 days maximum )


The Indemnity Benefit is paid on

the first day of hospital

confinement in any calendar

year.


The First Hospital Confinement Benefit is

paid during the first period of hospital

confinement of any calendar year. Depending

on the plan selected, it can be as much as

$10,000 over the first 6 days.

The First Hospital Confinement Benefit in both the GOLD and PLATINUM plan designs pays as follows:


Day 1: $1,000Day 2: $1,000Day 3: $2,000Day 4: $2,000Day 5: $2,000Day 6: $2,000TOTAL:

$10,000

If a period of confinement lasts less than 6 days, the balance of the benefit is

available for a subsequent confinement for the same

condition, provided it occurs within 90 days.


Unlike the competition, some of which have no benefit for

Intensive Care, or pay it “in lieu” ( instead of! ) the DRB, FirstChoice

policies pay all ICU benefits IN ADDITION TO any and all other

benefits of the policy, including the DRB. This is a HUGE advantage

to the policyholder!


Virtually ALL Guaranteed Issue Plans

address SURGERY in one of two ways. Many pay a percentage, often 100%, of the Medicare reimbursement rate ( RBRVS,

or Resource Based Relative Value Scale ). What many agents and most clients do not realize is that this amount IS NOT based upon the total cost of the procedure, but

simply on the amount charged by the PRIMARY SURGEON ONLY! This does not include the Operating Room, Suture Kits,

dressings, etc.!

Some GI plans pay based upon the RBRVS, or Resource Based

Relative Value Scale, also referred to as the Medicare

Discount Rate. The rest address Surgery with an established Surgical Schedule, usually with a maximum benefit of

$10,000.



Often, since the RBRVS is applied to the charges of the SURGEON ONLY, the benefit

from a $10,000 Surgical Schedule will be more than for the identical procedure

under a 100% RBRVS Medicare Reimbursement

rate!


One drawback to many plans with Surgical

Schedules is that they tend to limit coverage to

one or two surgical procedures per year,

maximum!


FirstChoice incorporates the best of both, with a

$10,000 Surgical Schedule that can be accessed an

UNLIMITED number of times each year, for either

inpatient or outpatient procedures!

FirstChoice Indemnity Insurance CULBMCFC 001 (08/10) FOR AGENT USE ONLY Central United Life Insurance Company Page 37, HEART

Heart Transplant 100.0 Catheterization of Heart 7.5 Suture of Heart wound or injury

50.0

Valvotomy, aortic and pulmonic valve

75.0

Valvotomy, mitral valve 70.0 Valvuloplasty or Replacement, aortic and mitral valve

100.0

Coronary Bypass, single or multiple

100.0

Repair of Myocardinal Aneurysm

100.0

Repair of Septal Defect 90.0 Angioplasty, percutaneous 50.0

These are just a few examples

of the FirstChoice Surgical Benefits

The FirstChoice benefit for Anesthesia is the highest

percentage paid, 25% of the amount paid for Surgery.

Since our Surgical Schedule will often deliver more

benefits and for more times than other plans, the

Anesthesia Benefit is usually correspondingly higher as

well!


For example, with a Platinum Plan $10,000 Surgical Schedule, the following would be provided for

Anesthesia ( 25% of Surgery Benefit provided for Anesthesia )

Surgical Event Surgical Schedule Dollar Amount Percentage for Anesthesia

Heart Bypass 100% / $10,000 $2,500

Cholosystectomy 30% / $3,000 $750

Hysterectomy, 50% / $5,000 $1,250Radical

Appendectomy 20% / 2,000 $500 A complete surgical schedule can be seen in the FirstChoice Product Guide on the FirstChoice Website: www.FirstChoiceGI.com


Unlike the vast majority of competitors, FirstChoice plans provide benefits for

MATERNITY, both Natural Delivery as well as

Caesarian Section, effective 10 months after the

policy effective date!!


FirstChoice plans are among the few

“Guaranteed Issue” plans currently known to include Private Duty

Nursing benefits.


The total paid for an Accident will come from several different

plan benefits. They are:1) Accident Rider2) Specific Injury Rider ( Not

available in NC and GA )

3) Surgery Schedule4) Anesthesia


Accident Rider: Pays a (first dollar) benefit for each accident.

Specific Injury Rider: Pays as much as $1,800 per accident from a (first dollar) schedule of procedures.

Surgery Schedule: Pays a (first dollar) percentage of the Surgery Schedule, plus 25%+ for anesthesia!


There are benefits absent from FirstChoice that appear

with other Guaranteed Issue plans. They include

Prescription Drugs, Outpatient Labs & X-Rays, Critical Illness,

and “Association Junk”

Occasional Drugs are most commonly Antibiotics, used

infrequently, and Pain Medication, usually very

inexpensive. It is usually less costly over time for the client to ‘pay as you need’

these, as opposed to building in costs that drive

up plan premiums.



X-Rays and Lab tests are legitimate medical procedures, but have

become abused as doctors increasingly practice ‘defensive medicine.’ We have chosen to

avoid coverage for these elements in favor of additional

coverage for expensive confinements/procedures.

Yet, you’ll still have access to HUGE PPO discounts through

Beechstreet Network.


Today, even though numerous “Guaranteed Issue” plans exist

that feature solid Health Insurance benefits, most plans

are still littered with movie tickets, rental cars, Disney discounts, and vitamins.

With FirstChoice, you get quality INSURANCE BENEFITS,

period.

Clients are provided access to a quality PPO repricing and Discount

Medical benefits relationship

through Beechstreet Network.

This plan costs NOTHING to the policyholder!

(This is a stand alone program, provided as a courtesy, and is not otherwise affiliated with

CUL)

Beechstreet now offered with Platinum and Gold plans!

FirstChoice Premiums

Ranging from the “Super Supplement” to the

“PLATINUM” plan design with the richest benefits we have

seen in any Guaranteed Issue chassis, FirstChoice plan

designs are available in a variety of configurations, all of which are lower in price than competitor plans with

fewer and smaller benefits!

FirstChoice COMPENSATION

Almost all “Guaranteed Issue” plans today pay a ‘levelized’ commission, and very few

offer annualization.

FirstChoice plans provide ‘heaped’ first year commission

with 6 months advanced

commissions available to agents that qualify!

BMC Agency, Inc. and CUL FirstChoice

STRONG BENEFITS!************************************************************************************************************

Low Premiums!***********************************************************************************************************

High Compensation!**************************************************************************************************************

“The FirstChoice in Guaranteed Issue Health

Plans!”

In our opinion, this is what makes FirstChoice the finest Guaranteed Issue program in America.

But…How can we be of immense value to folks who qualify for and can afford Major Med?

Our Traditional

Supplement and Super Supplement may be even better

values than our incredible Platinum

and Gold plan designs!

When used in conjunction with Major Medical plans for “an average period of hospital

confinement”*, our Traditional Supp and Super Supp plans will often deliver sufficient funds to “reduce or eliminate the Out-of-Pocket charges associated with the confinement.” * According to the

Statistical Abstract of the U.S. the average period of confinement in 2009 was 4.83 days.

One way to use the FirstChoice supplements is simply purchase them in

addition to existing Major Med plans to “fill the gaps.”

EXAMPLE:For an ‘average’ confinement ( 5 days ) our Super Supp plan would pay, for a qualified stay, $5,000!

$100 per day X 5 days = $500$500 on day one = $5005 days of FHC = $4,000------------------------------- Total = $5,000

EXAMPLE:For an ‘average’ confinement ( 5 days ) our Traditional Supp plan would pay, for a qualified stay, $5,000$100 per day X 5 days = $500$500 on day one = $5005 days of FHC = $4,000------------------------------- Total = $5,000

Plus, Up to $5,000 more for Surgery & $1,250 for Anesthesia!

The Super Supp would deliver very similar benefits to the Traditional Supp plan, with the exception of Surgical and OP Sickness, for an even lower premium cost.

In addition, the Super Supp complies with IRS section 223, and would not restrict an insured from making a tax free deposit into an HSA account if they so desired.

Let’s take a 5 minute break, and then reconvene to discuss CUL’s excellent suite of Ancillary Cancer and Accident products that let you

Stand out from the Worksite competition!

“ Guaranteed Issue ” Health Insurance Plans Marketed by Licensed Representatives of GoHealth...

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