HEALTH & DENTAL COVERAGE
F O R I N D I V I D U A L S
Presented by: Sadie MohajerSenior Consultant, Aon Hewitt Health and Benefits Practice
AGENDA
HEALTH ASSIST - TARGET MARKET
PRODUCT INFORMATION
WHY IS HEALTH ASSIST DIFFERENT?
THE SALES AND APPLICATION PROCESS
THE REFERRAL PROCESS FOR ADVISORS
For internal use only
Small businesses with less than 3 employees (97% of the total number of
business in Canada have less than 50 employees)
Independent Contractors
Seasonal Employees
Temporary or Part time workers
Self employed individuals
Retirees (5.6 M Canadians are over the age of 65 and this number will double to
10 M by 2036)
Surviving Spouses
Overage Dependents and Post Secondary graduates
PROSPECTS TO TARGET
For internal use only
THE PRODUCT
SIMPLE APPROACH
6 pre-packaged plans
Straightforward eligibility criteria
Affordable coverage
Tax advantages - Individual health plans are eligible medical expenses
under the Canadian Federal Income Tax Act
HEALTH ASSIST
For internal use only
SIMPLE PROCESS
PLANS 1,2 &3 Guarantee Acceptance
PLANS 4,5,6 & SEMI-PRIVATE Medical questionnaire only
OPTIONSApprove
Approve with exceptions
Decline (rare cases)
For internal use only
Canadian resident
Covered by provincial government health plan - designed to provide services
that supplement each province’s government health plan.
Single, couple/single parent, and family coverage
Applicant must be between the ages of 18 -74
No termination age
SIMPLE ELIGIBILITY CRITERIA
HEALTH ASSIST
For internal use only
Y N
Single, Couple & Family Coverage ü
No termination age* ü
No waiting period - even for dental ü
Pay Direct Drug Card ü
Plan Member Online Services ü
Vision network (discounts up to 30%!) ü
Out-of Province/Country Travel Coverage ü
Legal Assistance ü
Wellness Resource Library ü
Increasing maximums** ü
*MUST apply and be approved for coverage prior to age 75
** The longer your client remains on the plan, the better their coverage gets!
PLAN FEATURES
For internal use only
ACCESS TO LAWYERS TO GUIDE PLAN MEMBERS THROUGH:
Family law
Criminal law
Civil litigation
Landlord and tenant issues
Residential real estate transactions
Wills and estates
Services are unlimited, bilingual, and include local lawyer referrals at preferred rates
WHY IS HEALTH ASSIST DIFFERENT?
For internal use only
TOOL-KIT OF PERSONAL RESOURCES FOR:
Retirement transitioning
Health and well-being
Parenting and child care
Financial management
Stress management
Crisis ready programs
Career management
Addiction and recovery
Referrals to a network of community resources
WHY IS HEALTH ASSIST DIFFERENT?
For internal use only
SALES & APPLICATION
THE PROCESS
TWO OPTIONS FOR SALE
For internal use only
OPTION 1– DIRECT PURCHASE:
Go directly online to the HA link: www.healthassist.aon.ca
Review the product options available
Choose the appropriate option
Apply online
PLAN COMPARATOR
RATESHEET
APPLICATION
www.healthassist.aon.ca
PLAN INFO – QUOTE – APPLICATION ONLINE
For internal use only
Online claims submission
Claims history
Direct deposit
Benefit booklet
Confirmation of premium statements
Email us
SERVICE YOUR WAYPre-Sale Inquiries: [email protected] or call 1.855.722.0472
Website: www.healthassist.aon.ca
For internal use only
TWO OPTIONS FOR SALE
For internal use only
OPTION 2 – REFER TO A CLIENT:
Forward a copy of the Referral Template to your prospect
Be sure to complete the Prospect information as well as your advisor code at the
bottom of the Referral Template
BCC the GSC email address: [email protected] so that they are able to
track your referrals
For internal use only
For internal use only
For Internal Use Only (By WFG Advisor)
Advisor Details Applicant Details
Code: WFG123 Email: [email protected]
Name: Joe Smith Name: John Do
Telephone Number: 416-123-4567 Telephone Number: 416-123-4567
License Type: A&S
What are you waiting for? APPLY NOW
Simple to understand—simple to apply for—simple to use. Click here to apply
for GSC Health Assist today!
REFERRAL PROCESS
For internal use only
Use the template provided by Aon for Referral
Fill in your information at the bottom of the template
Complete your client’s information at the bottom of the email
Forward the template to your client
Blind Carbon Copy the Green Shield Email provided so that Green Shield can
keep track of your referral at the time of sale
GSC email for referral: [email protected]
FREQUENTLY ASKED QUESTIONS
How do I apply?
You can apply online or submit a completed and signed paper application
Remember to send a VOID cheque if you are planning to pay via pre-authorized debit.
When will coverage take effect?All plans are effective on the first day of the month following approval. For plans that do not require medical underwriting, coverage will be effective on the first of the month following application processing.
For internal use only
How are premiums paid?Premiums are paid monthly either by pre-authorized debit or credit card. Your first payment covers the first two months of coverage and is due on your effective date.
So, for example, if your coverage is effective on March 1, premiums for March and April will be taken on March 1. Subsequent payments will be taken 30 days in advance of the month for which coverage is to be provided. Continuing with this example, premiums for May coverage will be taken on April 1.
What happens with the medical questionnaire?GSC will review the medical information provided, and may:
1. Approve full coverage, or2. Provide a counter offer, or3. In rare cases, decline coverage.
FREQUENTLY ASKED QUESTIONS
For internal use only
A counter offer may consist of one or more specific drug category exclusion(s) or a full drug exclusion for one or more covered person(s), due to pre-existing conditions. A letter outlining the terms of the counter offer will be sent and you will then have the option to either continue with the modified coverage or cancel your application.
What will l receive when coverage is approved?A Health Assist ZONE information kit will be mailed within 10 business days of approval. This includes a welcome letter, the Health Assist ZONE Benefit Plan Contract (which details your coverage), your new GSC Identification Cards and claiming information.
FREQUENTLY ASKED QUESTIONS
For internal use only
When can I make a claim?There is no waiting period so you can start claiming for medical and basic dental expenses that are incurred as of your effective date.
Can I change my coverage?You can upgrade your plan at any time, subject to medical underwriting if required. Requests to downgrade your plan will be accepted after you’ve been covered for one year on your current plan.
How do I terminate my coverage?You can terminate your coverage by providing GSC with written notice 10 business days prior to your next scheduled preauthorized payment, which is forty days.
FREQUENTLY ASKED QUESTIONS
For internal use only
QUESTIONS?
For internal use only
Top Related