Proud to Serve You

Thank you for coming!Thank you for coming!

Before we start:– Who is currently on Medicare? Who is on a Medicare

Advantage program?– Who has heard of Freedom Health?– Who would like more benefits for less money?– Who wants the freedom to choose your own plan

and/or your own physician?– Who wants to work with a company that really

understands your healthcare needs and really cares about customer service?

What We Will Discuss TodayWhat We Will Discuss Today

Discuss Your Current Coverage

Compare Medicare Advantage to Medicare

Introduce Freedom Health

Explain The Benefits of a Freedom Health Plan

Help You Decide The Best Freedom Health Plan For You

Answer Questions and Show You How to Enroll Today!

Please hold questions until the end of the presentation.

• What do you have now in addition to Medicare Parts A and B?

• Is there a cost to your plan?

• What do you like about your plan? What would you like to change about your plan?

• What type of plan would you prefer?– Comprehensive coverage with more benefits– A plan that will reduce your out-of-pocket expenses– Unique services outside traditional Medicare

Your Current CoverageYour Current Coverage

SupplementalPlan

Medicare Advantage ProgramsMedicare Advantage Programs

Medicare Advantage Plan with Prescription

Drug Coverage

Medicare Advantage programs often have

more benefits at less cost to you.

Original Medicare

Medicare Part D

Medicare Advantage ProgramsMedicare Advantage Programs

Companies like Freedom Health offered to assist the government with Medicare

Freedom Health basically became

a new and improved

‘Medicare’ for you.

Medicare pays Freedom Health

to provide benefits and

customer service.

Through developing a

network, Freedom Health provides lower premiums and more benefits.

Medicare Advantage programs often have more benefits at less cost to you.

Benefits of Medicare Advantage Benefits of Medicare Advantage

Extra benefits beyond original Medicare*

• No Monthly Plan Premiums

• For Part B Reimbursement Plans: (Refunds vary by county)

• No Medicare Deductibles

• Brand & Generic Rx Coverage

• World Wide Coverage

• Extra Benefits for Dental, Vision and Hearing

• Health Club Membership & Fitness Programs

• Opportunity to see network specialists without referrals, if applicable

• No Medicare supplement Needed

• Over the Counter Benefits

*Limitations & Co pays may apply; Details vary by plan and plans are available by county; the social Security Administration reduces your Part B Premium on Part B payback plans For Plans without premium refunds, you have to continue to pay the Part B premium. The Part B premium for 2009 is $96.40

{

Government Funds

Original Medicare Medicare Advantage

• Limited coverage

• Limited preventive care benefits

• Deductibles

• Coinsurance

• Supplement needed• Join a Prescription Drug Plan (PDP) for Part D coverage

• Covers all benefits of Original Medicare + No Medicare deductibles

• Part D included

• No supplement needed

• Additional Benefits

Medicare Beneficiary

Benefits of Medicare AdvantageBenefits of Medicare Advantage

* One of the plans available under the annually renewable Medicare Advantage contract.

{

How a Medicare Advantage Plan is ReimbursedHow a Medicare Advantage Plan is Reimbursed

Medicare Part AFinanced in part by payroll taxes paid by workers and employers

Medicare Part BFinanced in part by deductions from your monthly Social Securitycheck.

US Government Medicare Funds

Hospitals PharmacyDoctors

Additional BenefitsOther health

care providers

Freedom Health

Do you have Medicare Parts A & B?

Is your permanent residence here in this county?

Do you live here at least six months out of the year?

Do you have end stage renal disease?

Are You Eligible?Are You Eligible?

• Freedom Health was started by and still managed by doctors. These doctors care about developing better Medicare Advantage programs and providing customers with excellent service.

Introducing Freedom HealthIntroducing Freedom Health

Introducing Freedom HealthIntroducing Freedom Health

• Unlike other very large Medicare Advantage companies, we are a local Florida company that really understands your needs and can talk to you in person.

We are now in 30 Florida counties with headquarters in Tampa and five concierge offices around the State.{

Excellent Customer ServiceExcellent Customer Service

Freedom Health is committed to

EXCELLENT CUSTOMER SERVICEwith local claim centers, a concierge department and consistently

friendly and very knowledgeable service.

In fact, Freedom Health is one of the fastest growing companies because of referrals by satisfied customers. In addition, out of 150 Medicare Health plans in 80 cities, Freedom Health has won the Senior Choice Gold Award the last two years.

{

Concierge ServicesConcierge Services

• A concierge desk at each office to expedite your Member Service needs. (i.e. replacement cards, PCP changes, address changes and more).

• Friendly trained staff who would like to meet you to learn more about what you need from your health plan.

• Information on scheduled Events and Health related issues.

• A one hour resolution time. Licensed Agents available to assist with benefit information.

AwardsAwards

• National Committee for Quality Assurance-Toughest Quality Accreditationfor Managed Care Organizations-3 Year Accreditation (2007 - 2009)

• HealthMetrix Research Inc. (Medicare News Watch)

- An independent managed careresearch firm in Columbus, Ohio

(Independent Industry Analyst)-Awarded Freedom Health their Senior Choice Gold Award For Excellence in Benefit Value

(cost comparisons for over 150 Medicare health plans in 80 cities, November 1, 2006 and 2007)

• New Health Plan A Best Value(Tampa Tribune 2006 & 2007)

AwardsAwards

Plans Offered By Freedom HealthPlans Offered By Freedom Health

• Savings RX• Medicare RX• Choice• VIP Care• VIP Care Savings• Medi-Medi

Freedom Health provides customized plans that fit your unique needs all of which provide more benefits and are less expensive than Medicare.

Compare Your Health Care OptionsCompare Your Health Care Options

This table is a brief overview comparing Original Medicare, a popular Medicare supplement and Freedom Health Medicare Advantage plans. The Summary of Benefits will go into more detail about benefits.

Original MedicareOffice visits when you are sick

Hospitalization

* Limitations and co-payments may apply. May not be available on all plans.* You may be required to continue to pay your Medicare Part B premium

A common Medicaresupplement - Plan CCoverage for all Medicare

deductibles and coinsurance

Freedom Medicare Advantage Plan *Original Medicare benefits plus no Medicare deductibles. Additional benefits for prescriptions, extra coverage for dental, vision and hearing. No Medigap supplementneeded.

Using The PlanUsing The Plan

25

Important note: Statement of Understanding

Starting on the date your coverage begins with Freedom Health, you must receive all of your

healthcare from Freedom Health providers with the exception of emergency or urgently

needed services or temporary out of area renal dialysis.

Can I Choose My Doctor?Can I Choose My Doctor?

We have formed a very large network ofdoctors, specialists and hospitals that you can

choose from.

You must stay within our network of services while with

Freedom Health.

You Are In ControlYou Are In Control

Primary Care Physician

Your Choice

SpecialistFreedom to see

Network Doctors and Specialist without a

Referral* if applicable

HospitalYour PCP will refer you to a

Participating Hospital

Emergency coverage at any hospital

Urgent care coverage at any health care provider

Other ProvidersWell woman visits

Dental, Vision, Hearing

*Limitations & copays may apply*See evidence of Coverage for details*You must receive all routine care from Plan Providers*Varies by county{

Your Freedom Health Representative will present

the specifics of your Freedom Health Medicare Advantage plan benefits,

using the Summary of Benefits booklet and drug

formulary.

This Year’s Benefits From Freedom HealthThis Year’s Benefits From Freedom Health

Freedom Fitness ProgramFreedom Fitness Program

• The Freedom Fitness program combines free access to Fitness Centers with multiple programs directed at improving the health and welfare of our members

• Group Exercise Programs

Top Reasons to Join Freedom Health* Top Reasons to Join Freedom Health*

• A local company run by doctors who wanted to make Medicare better

• Consistently voted to provide excellent customer service by industry

experts and, more importantly, our customers

• Freedom to choose your own plan to fit your needs

• No monthly plan premiums

• No Medicare supplement needed

• For plans with Part B reimbursement: Refunds vary by county

• Worldwide Emergency, urgent and temporary out-of-area renal

dialysis coverage

*Limitations & Co pays may apply; Details vary by plan and plans are available by county; the social Security Administration reduces your Part B Premium on Part B payback plans{

Top Reasons to Join Freedom Health* Top Reasons to Join Freedom Health*

• Part D coverage included

• Preventive care, including physical exams

• Brand and generic prescriptive coverage

• Extra coverage for dental, vision and hearing

• Freedom fitness health club and fitness membership

• Predictable costs for easier budgeting

• Access to see network specialists without referrals, if applicable

• Low out of pocket maximums

* Limitations & Co-payments may apply; Varies by County{

EnrollmentEnrollment

• Complete your enrollment form.• You will receive a welcome packet, Evidence of Coverage

and ID card.

EnrollmentEnrollment

• During the 2008 Annual Enrollment Period (AEP), MA eligible individuals may enroll in or end their enrollment in an MA plan. The AEP occurs November 15 through December 31 of every year.

• The last election made, determined by the application date, will be the election that takes effect .

• Enrollments submitted during the 2008 AEP will have an effective date of 1st January, 2009.

New Member OrientationNew Member Orientation

• We will go over your welcome packet

• Show you how to:– set up your prescriptions by mail

– set up your over the counter benefits

– set up your dental benefits

– set up your fitness membership

• Review membership benefits

• Go over member services contact numbers

• Answer any questions you may have

Extra HelpExtra Help

Medicare Subsidy InformationYou may be able to get extra help to pay for your prescription drug

premiums and costs. To see if you qualify for getting extra help, call:

• 1-800-MEDICARE (1-800-633-4227). TTY/TTD users should call 1-877-486-2048, 24 hours a day, 7days a week

• The Social Security Administration at 1-800-772-1213 between 7.00 AM and 7.00 PM Monday through Friday. TTY/TTD users should call 1-800-325-0778

• Your State Medicaid Office

• Florida SHINE (1-800-963-5337, TTY 1-800-955-8771)

We would love to help give you peace of

mind with your health care!

Are there any

questions?

We would love to help give you peace of

mind with your health care!

Are there any

questions?

Before we finish……Before we finish……

Thank You! Help us share the News.Thank You! Help us share the News.

Many of our members have been referred by their friends.

Who do you know that could benefit

from Freedom Health’s Medicare Advantage Plan?

Carepath of PinellasCall: 727-565-4655

Monday thru Friday 8:00 am – 5:00 pm

www.carepathins.comwww.freedomhealth.com