1. Health Insurance Maximum Savings for Consumers & Employers Dermot Goode

2. Most over-insured No day-to-day cover Poor value dated plans Complexity – 365 different plans Best advice??? Consumers & Employers!

3. Common Myths…. Public treatment is free Kids get special treatment I can only join certain plans They won’t take me on I have to use my health insurance

4. Paying too much….. ? Health Plus Choice (Plan C) Health Plus Access (B) Company Plan Extra Level 2 Parent & Kids Plans Family or First Plan Plus Level 1 Company Plan Plus Level 1

5. Essential Plus Health Manager or Complete Care Health Smart Plans Company Care Plans Total Health Select Simply Health Excess Paying too much….. ?

6. Level 2 Hospital Level 2 Family Health We or I Plan Level 3 (Optimise Silver) Level 1 Everyday / Level 2 Hospital with Day to Day Business Plans (Extra, Select, Choice, Complete) Health Plans 05, 06 & 16 Paying too much….. ?

7. Better Plan Better Saver Plan Better Smart Plan Best Plan Ultra Plan Paying too much….. ?

8. Corporate Plans – Best O/P Cover €25 per GP visit - 7 per person €40 per GP visit - 16 per person 50% refund on GP visits (unlimited to €6,000) 75% refund on GP visits (unlimited to €6,000) 100% refund on first 2 visits - 50% thereafter

9. New Healthcare Providers

10. Healthcare Savings

11. ‘Put em under Pressure’ - Equivalent Plan - Lower Cost - Check all your Plans - Benefits Lost - Benefits Gained - Upgrade Rule Confirm; - No Better Plan - If Satisfied, then Change - Call Recording Employers: 3 Mths before Renewal / Consumers: 1 Mth before Renewal

12. Health Plus Access €1,945 PMI 25 11 €1,503 PMI 36 13 €1,248 Rates Correct @ 1/5/16 as per HIA PMI 37 13 €1,115 Complete Simplicity €1,434 Simply Connect Plus €1,169 Health Secure Plus €1,603 Ess. Plus Excess €1,928

13. Health Plan 06 €1,763 Be Fit 3 €1,431 Health Plan 28 €1,435 Rates Correct @ 1/5/16 as per HIA Health Plan 16.1 €1,218 Best Smart Plan €1,162 Best Select Max Cash €1,400 Best Ultimate Cash €1,719

14. Health Plus Access – Plan B (€1,945) PMI 36 13 (€1,248) Essential Plus (with excess) (€1,928) Simply Connect Plus (€1,169) Level 2 Hospital (€2,335) Health Plan 16.1 (€1,218) Rates correct at 1 st May 2016 - Source HIA Sample Best Buys…. Best Plan (€1,903) Best Smart (€1,162)

15. €1,920 VSP Eye-Care Health Cash Plan Dental Cover Day-to-Day Cover Same Plan – 2yrs or more Annual Review Wellness Programme Health Insurance: €2,335 Corporate Discount

16. Total H/C Cost Management

17. LCR Exposure Excesses Health Allowance Capped Benefits Full Corporate Discounts Annual Review Employers – Control Your Costs

18. Corporate Plans – check them out Put the health insurers ‘under pressure’ Consider Health Cash, Dental & Eye-Care Plans Claim Day-to-Day Expenses Annual Review Remember!

19. Thank You & Questions