1. For Agent use only. Not for distribution to Consumers.
National General Accident and Health markets products underwritten by National Health Insurance Company, Time Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation.

2. Why a fixed-benefit indemnity plan
Plan design & how it works
State availability & eligibility
Post-sale administration

3. Why fixed-benefit indemnity plans
2017 ACA plans’ premiums rose by 25% on average 1
2017: There was an average of 3.9 insurers on the Health Insurance Marketplace (down from 5.4 in 2016)2
Approximately 62% of Americans have less then $1,000 in savings 3
This slide talking about price increase and limiting the number of doctors people can go to
1 Retrieved 11/29/2016 from
2 Retrieved 11/29/2016 from
3 Retrieved 11/29/2016 from

4. Why fixed-benefit indemnity plans
A fixed-benefit indemnity plan is great for clients who:
Don’t have the budget for major medical plans
Don’t want to pay for benefits they don’t use
Missed Open Enrollment and still need help paying for health care expenses
These plans are not suitable for all clients and may not be a good fit if your client:
Utilizes a lot of medical services
Is looking for comprehensive medical coverage, financial protection, and doesn’t mind paying higher premiums
Has a serious illnesses or chronic condition
Make sure your clients know this is not a major medical plan and does not satisfy the requirements of minimum essential coverage under the Affordable Care Act. They may be subject to a tax penalty.
THESE PLANS PROVIDE LIMITED BENEFITS. Make sure your clients know this is not a major medical plan and does not satisfy the requirements of minimum essential coverage under the Affordable Care Act. They may be subject to a tax penalty.

5. National General Foundation Health overview
Benefits start right away – no waiting period
First-dollar benefits – no deductibles or copays
Access to the MultiPlan Network of doctors and hospitals for added savings
Includes a L.I.F.E. Association membership

6. Why National General Foundation Health
Offers predictable and affordable access to health care
Clients can go to any doctor or hospital they want
They save more when they use MultiPlan Network providers
Benefits for office visits, lab and x-rays, surgeon costs, and more
Benefits are paid on top of other coverage
No coordination of benefits
Automatic renewals

7. Office visits & lab work
Plan Details: Benefits for office visits and lab work
Level 1
Level 2
Level 3
Office visits & lab work
Doctor’s Office Visit
$50/day
2 days per year
$70 /day
$90 /day
Diagnostic Tests
Ex: MRI, Mammogram
$100/day
1 day per year
$200/day
$300/day
X-Ray Benefits
3 days per year
Laboratory Benefit
Ex: Cholesterol, A1C
$75/day

8. Plan Details: Hospital and Ambulance benefits
Level 1
Level 2
Level 3
Hospital Charges
Confinement Benefit
Requires a stay for more than 24 hours
$1,000 per day
Up to 31 days per year
$2,000 per day
Up to 60 days per year
$3,000 per day
Up to 90 days year
Hospital Admission
Limited to one admissions per year
$250
$500
$1,000
Emergency Room Visit
$100 per day
1 day per year
$200 per day
2 days per year
$300 per day
Ambulance
Ground
1 time per year
$300
$400
Air
$2,000
$3,000

9. Plan Details: Surgeon Benefits
Level 1
Level 2
Level 3
Surgeon Benefit
Inpatient
Admitted for no less than 24 hours
$1,000/per day
$2,000/per day
$3,000/per day
Outpatient
Admitted and released in a period less than 24 hours
$500/per day
$1,500/per day
Maximum days per policy year: 3 (combined inpatient and outpatient benefits)
The surgical services benefit is based on the CPT code for the procedure. Customers will be responsible for the difference between the physician charge and the plan benefit payment.
Benefits are paid per covered person, per policy year.
Benefits and product availability may vary by state

10. Average 42% discount for Physicians and Specialists!
Plan Details: Network
MultiPlan Network
Over 4,800 hospitals
100,000 ancillary facilities
800,000 health care professionals
Assignment of benefits – we pay providers directly
Average 42% discount for Physicians and Specialists!
Network discount is an average of 20% for inpatient/outpatient care. Customers save an average of 42% on visits to physicians and specialists.

11. How the plan works Like other insurance plans, customers should:
Use the network website to search for network providers:
Set an appointment with the provider
Present his/her ID Card when checking in
After receiving treatment(s),
The EOB will show the network discount and the plan benefit paid
The insured is responsible for paying any remaining balance after the plan benefit is paid
The plan benefit your client receives is the same regardless of where they receive care or how much the provider charges.

12. How the plan works: $570 Total out-of-pocket: $161 $2001 Office visit
National General Foundation Health Level 2 plan
Office visit for illness
That’s about a 70% savings when you add the network discount and plan benefits
Office visit
$2001
Chest x-ray
$3702
Total charges
$570
Network discount 3
$239
Office visit/ X-ray benefits
$70/$100
Total out-of-pocket:
$161
Not an actual case. For Illustration purposes only. 1. 2.
3. Multiplan discounts average 42% for physicians and specialists

13. That’s big savings when you add the network discount and plan benefits
How the plan works:
National General Foundation Health plan – level 2
Overnight stay for an Appendectomy1
Hospital stay charge
$5,784
Surgeon fee
$1,586
Anesthesia fee2
$908
Network discount 3
$1,453
Cost after network discount
$6,825
Surgeon benefit
$2,000
Hospital admission benefit (1st visit)
$500
Hospital confinement benefit
Total out-of-pocket:
$2,325
That’s big savings when you add the network discount and plan benefits
Savings of approximately72%
Not an actual case. For Illustration purposes only
1. =69&dataset=MD&g=Appendectomy
2. Anesthesia not covered under plan
3. Multiplan network discount for acute inpatient average 19.72%

14. NG Foundation Health Plan Sample Rates
Sample rates for primary age
Sample rates for primary age
Family
Composition 
Plan Level 1
Plan
Level 2
Level 3
Individual
$87.46
$169.96
$252.96
Couple
$174.93
$339.92
$505.93
1 Parent Family
$202.04
$391.12
$581.59
2 Parent Family
$289.51
$561.08
$834.55
Family
Composition 
Plan Level 1
Plan
Level 2
Level 3
Individual
$120.48
$235.00
$350.11
Couple
$240.96
$470.01
$700.22
1 Parent Family
$221.49
$429.97
$639.90
2 Parent Family
$341.98
$664.97
$990.01
Rates shown are representative of rates in most states. However, rates may vary by state and age. Always refer to our quoting tool for specific rates.
Rates shown are representative of rates in most states, however, rates may vary by state and age. Always refer to the quoting tool for specific rates for your clients.

15. Bundle with our supplemental plans for even more coverage
We have many coverage options to choose from
TrioMed: AME, Critical Illness, and AD & D
Cancer and Heart/Stroke
Term Life – Critical Illness
AcciMed: AME and AD & D
Plan Enhancer: AME with optional CHS and SIP riders*
Dental PPO or Dental Indemnity plans also make a great add-on
Add more financial protection
*Riders not available in all states

16. Added value with membership in the L.I.F.E. Association
Health Care
Telemedicine
WellCard savings: discounts on vitamins, prescriptions, and more
Direct Labs
Senior Medical Alert
Family Benefits
Fitness program savings
Identity theft protection discounts
Auto service discounts
Entertainment
Discounts on
Travel services
Retail stores
Dining & entertainment
*If sold with the National General STM or TrioMED, client would receive only one L.I.F.E. Association Membership

17. National General Foundation Health State availabilityID MO OK TX AR IL MS PA VA AZ IN NC RI
WI** DC LA
NM* SC WV FL MI NV TN WY GA OH
*In New Mexico, any person applying for coverage that has prior health insurance with any carrier, including a National General Foundation Health plan, must have at least a 95-day gap before applying for a National General Foundation Health plan.
**L.I.F.E. Association not available in WI

18. Eligible Ages Primary applicant Age 18 – 64 at time of application
Children up to age 26
No child only
Requires a Health Questionnaire

19. Who it’s good for
A fixed-benefit indemnity plan is good for clients who:
Don’t have the budget for major medical plans
Don’t want to pay for benefits they don’t use
Missed Open Enrollment and still need help paying for health care expenses
These plans are not suitable for clients who:
Utilize a lot of medical services
Want comprehensive medical coverage and don’t mind paying higher premiums
Have a serious illnesses or chronic condition
A fixed-benefit indemnity plan is good for clients who:
Don’t have the budget for major medical plans
Don’t want to pay for benefits they don’t use
Missed Open Enrollment and still need help paying for health care expenses
These Plans are not suitable for clients:
Who utilize a lot of medical services
Who want broad medical and financial protection and don’t mind paying higher premiums
Who are looking for comprehensive medical coverage and/or have a serious illnesses

20. Example of exclusions Pre-existing conditions Pregnancy
Dental procedures
Elective or cosmetic surgery
Prescriptions and medications
Pregnancy
Workers compensation
Hazardous activities
Mental disability and chemical abuse
This is not a comprehensive list of limitations and exclusions, always refer to the Policy Certificate for a complete listing of limitations and exclusions
There is no coverage for pre-existing conditions for a continuous period of 12 months following the Certificate Effective Date of a covered person.
*Not a comprehensive list of exclusions. Please refer to the policy of the marketing product brochure for a complete list.

21. Enrollment 1st or 15th Must apply by 25th for 1st
Must apply by 9th for 15th
Initial Payment
Reoccurring Payment
Form of Payment
Drawn at time of application
5 days before the monthly anniversary of start date (monthiversary)
EFT
Visa, MasterCard, or Discover

22. Product Enrollment E-Signature Voice Signature
Login to e-sign their application
Easiest Method
Voice Signature
3-way call with insured on the line
Dial
Instructions present on each application

23. Post Sale: Instant Access
Electronic policy fulfillment
Customers can view all policy documents at
ID card(s) will arrive separately in the mail.
Customers can manage their policies at
Change payment types
Change of address
Your clients will have access to the member portal, vipmemberbenefits.com, where they can change payment types or update their address information for each policy they have with National General Accident & Health.

24. Post Sale: Member Services
Cancellations
Plan cancellations received 10 days prior to the monthiversary date will stop payment for the next months premium withdrawal
National General Accident & Health
PO BOX 1070
Winston Salem, NC 

25. Field Training available so take advantage and get your agent training sessions set up with Dan Giancola!
You can him at:
Your Sales Team is also available to help:
Lori Bartoshevich -
Karen Papp-

26. Thank You!