1. Florida
Miami/Dade, Broward, Palm Beach, Gulf, Treasure & Space Coast, Orlando, Tampa, Ocala, Daytona, Jacksonville, Tallahassee & Pensacola
Amerilife Agent Value Prop Overview
9/9/13
AGENT TRAINING ONLY

2. Florida Statewide 2014 Value Prop
RPPO Value Prop
Available in all Markets & Counties throughout Florida
Plan details & benefits are the same in all markets
Robust Network Throughout Florida
20,000+ Doctors in Florida
3,300+ Outpatient Facilities in Florida
170+ Hospitals in Florida
Expansive Nationwide Network
425,000+ Nationwide Doctors
44,000+ Nationwide Outpatient Facilities
2,989 Nationwide Hospitals
Worldwide Emergency Coverage
Covers you in case of emergency throughout the world
Land, sea and sky coverage
Star Rating
3.5 Stars Overall
Florida Regional PPO
R RPPO
All counties and all markets in FL
                $0 Premium
                $10 PCP
                $40 Specialist
                $0 Home Health Care
$0 Lab Services Copay
$0 Copay for Preventive Services
                $300 Days 1-5 Inpatient Hospital
$250 Outpatient Copay; $290 in hospital
                $5,900 MOOP
                RX:  5 Tier  $6/$15/$45/$95/29% ($150 Deductible for tiers 4 & 5 only)
                $40 Copay Dental
                $40 Copay Vision
                $40 Copay Hearing
                $20 Over The Counter Benefit (New for 2014)
                Silver Sneakers (New for 2014)
                Right Source Mail Order Pharmacy Rx Savings
Key Markets/Cities
Covers the entire state
All counties and all markets
Agent Training Purposes ONLY

3. Miami-Dade 2014 Value Prop Local Value Prop Key Local Products
Ruben Veliz - Agency Manager
Cell:
Office:
Key Values
Strong brand name in the market
Large network of providers
Rated 4.5 STAR Plan in Dade County (HMO 1036)
Wal-Mart through March 31st - All selected stores are Level 1
On/Off Exchange for IMM opportunity  
Local Office support for: 
Marketing and sales supplies
Training program available
Seminars support
Manager of the week/Agent of the day – Daily help available
Key Local Products
Flagship Plan: HMO MAPD
                $27 Part B Giveback
$0 Premium
                $0 PCP
                $0 Specialist
                $0 In Patient Hospital
                $3000 MOOP
                RX:  5 Tiers Formulary  $0/$0/$5/$35/33%
                Dental, Hearing, Vision & Silver Sneakers
                Transportation to PCP/Spec/Silver Sneaker locations
Part B Giveback Plan: HMO MAPD H                 $99.90 Part B Giveback
                $0 Premium
                $0 PCP 
                $20 Specialist   
                $75 Days 1-5 for Inpatient Hospital
                RX: 5 Tiers Formulary   $0/$0/$35/$45/33%
LPPO/RPPO plans
                H : LPPO - $45 premium
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Special Needs Plans:                 H : For all Dual Eligible levels including partial DE
                H : For Full Dual Eligible
                H : Diabetic SNP
                H : CV SNP/ Cardiovascular Plan
Key Markets/Cities
Miami
Aventura/Miami Beach
Hialeah
Miami-Dade and Monroe Counties
Agent Training Purposes ONLY

4. Broward 2014 Value Prop Local Value Prop Key Local Products
Scott Stanton – Agency Manager E: P:
Key Values
Large Network of providers
Only 4.5 STAR Plan in Broward County (HMO 1036)
Wal-Mart through March 31st  Almost all of them are Level 1 stores
Humana Guidance Center
On/Off Exchange for IMM opportunity    
Local Office support for: 
Supplies
Training
Seminars
Marketing & Sales Guidance
Key Local Products
Flagship Plan: HMO MAPD
                $0 Premium
                $0 PCP
                $5 Specialist
                $0 In Patient Hospital
                $3400 MOOP
                RX:  5 Tier  $0/$0/$20/$50/33%
                Dental, Hearing, Vision & Silver Sneakers
                Transportation to PCP/Spec/Silver Sneaker locations
Part B Giveback Plan: HMO MAPD H                 $92 Part B Giveback
                $0 PCP 
                $40 Specialist   
                $250 Days 1-5 for Inpatient Hospital
                RX: 5 Tier   $0/$10/$45/$95/33%
LPPO/RPPO plans
                H : LPPO - $45 premium
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Special Needs Plans:                 H : For all levels including partial DE
                H : For Full Dual Eligible
                H : CVSNP/ Cardiovascular Plan
                H C: Diabetic SNP
Key Markets/Cities
Fort Lauderdale
Hollywood
Pembroke Pines
Coral Springs
Agent Training Purposes ONLY

5. Palm Beach 2014 Value Prop Local Value Prop Key Local Products
Rich Renner - Agency Manager E:
P: Ext
Key Values
All hospitals in Palm Beach County are in network
Only 4.5 STAR Plan in Palm Beach County (HMO 1036)
Wal-Mart through March 31 all of them are Level 1 stores
Part B Giveback Plan ($96.90)
On Exchange for IMM opportunity
Local Office support for: 
Certification/training
Seminars
Supplies
Marketing & Sales Guidance
Key Local Products
Flagship Plan: HMO MAPD
                $0 Premium
                $0 PCP
                $20 Specialist
                $135 days 1-7 Inpatient Hospital
                $5700 MOOP
                RX:  5 Tier  $0/$0/$40/$90/33%
                Dental, Hearing, Vision & Silver Sneakers
                Transportation to PCP/Spec/Silver Sneaker locations
Part B Giveback Plan: HMO MAPD H                 $96.90 Part B Giveback
                $0 PCP 
                $40 Specialist   
                $195 Days 1-9 Inpatient Hospital
                RX: 5 Tier   $4/$10/$44/$95/33%
               Hearing, Vision & Silver Sneakers
LPPO/RPPO plans
                H : LPPO - $45 premium
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Special Needs Plans:                 H A: For all levels including partial DE
                H : For Full Dual Eligible
                H : CVD/CHF (HMO SNP)
                H C: Diabetic (HMO SNP)
Key Cities
West Palm Beach
Boca Raton
Boynton Beach
Jupiter
Agent Training Purposes ONLY

6. Ft Myers/Gulf Coast 2014 Value Prop
Local Value Prop
Stewart Sarnac – Sales Manager E: P:
Key Values
Addition of 2 new 4.5 STAR rated plans in Lee and Collier Counties
IMM Opportunity in Charlotte County
$0 premium plan to replace existing $32 premium
Plan exit of 3 STAR rated H5426 Plan
Rich physician network which includes Lee Memorial Health Systems
Local Office support for: 
Supplies
Trainings
Marketing & Sales Guidance
Compliance Questions
Key Local Products
Flagship Plan: H (Charlotte County)
H (Lee County)
                Premium: $0
                PCP: $0
                Specialist: $30
                In Patient Hospital: $125/Day
                MOOP: $3,400
                RX:  5 Tier  $0/$10/$40/$75/33%
                Vision & Silver Sneakers
                Transportation to PCP/Spec/Silver Sneaker locations
Flagship Plan: H
All counties in market                 Premium: $0
                Specialist: $35   
                Inpatient Hospital: $175/Day (1-7)
                RX: 5 Tier  $0/$10/$45/$80/33%
LPPO/RPPO plans
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Key Markets/Cities
Ft Myers
Bonita Springs
Lee, Collier, Charlotte, Desoto, Hardee, Glades, and Hendry Counties
Agent Training Purposes ONLY

7. Treasure Coast 2014 Value Prop
Local Value Prop
Kathy Wodraska – Sales Manager E: P:
Key Values
4.5 STAR rated 1036 plan(s)
Plan exit of 3 STAR rated H5426 plan(s)
Rich physician network
Strong brand name through the Treasure Coast
Addition of two Chronic Special Needs Plans
Local Office support for: 
Supplies
Trainings
Marketing & Sales Guidance
Compliance Questions
Key Local Products
Flagship Plan: H
                Premium: $0
                PCP: $0
                Specialist: $30
                In Patient Hospital: $145/Day (1-10)
                MOOP: $6,700
                RX:  5 Tier  0/7/35/75/33%
                Vision & Silver Sneakers
               
Diabetic SNP: H                 Premium: $0
                PCP: $0 
                Specialist: $30   
                Inpatient Hospital: $165/Day (1-8)
                RX: 5 Tier   0/7/35/75/33%
LPPO/RPPO plans
                H : LPPO - $45 premium
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Special Needs Plans:                 H : Partial Dual Eligible
                H : Full Dual Eligible
                H : CVSNP/ Cardiovascular Plan
                H : Diabetic SNP
Key Markets/Cities
Stuart
Ft Pierce
Martin, Okeechobee, and Highlands Counties
Agent Training Purposes ONLY

8. Space Coast 2014 Value Prop Local Value Prop Key Local Products
Todd Zazulia – Sales Manager E: P:
Key Values
RPPO only Humana product offered in the two counties
Strong RPPO physician network
6 WalMart locations
Strong RPPO Product with nationwide coverage
Local Office support for: 
Supplies
Trainings
Marketing & Sales Guidance
Compliance Questions
Key Local Products
Statewide RPPO Plan: R RPPO Plan
               Premium: $0
               PCP: $10
               Specialist: $40
               In Patient Hospital: $300/Day (1-5)                MOOP: $5,900
               RX:  5 Tier  6/15/45/95/33%
                $40 Copay Dental
                $40 Copay Vision
                $40 Copay Hearing
                $20 Over The Counter Benefit (New for 2014)
                Silver Sneakers (New for 2014)
                Right Source Mail Order Pharmacy Rx Savings
               
Key Market RPPO Plan: R RPPO Plan                Premium: $92
               PCP: $5 IN  
               Specialist: $35 IN
               Inpatient Hospital: $225/Day (1-7) IN / 30% ON
               RX: 5 Tier   3/8/40/85/33%
               Dental, Vision, Silver Sneakers & OTC
LPPO/RPPO plans
               R : RPP0  - $0 premium
               R : RPPO - $92 premium
               R : RPPO - $0 premium  (MA ONLY PLAN)
Key Markets/Cities
Titusville
Port St Lucie
Fort Pierce
Brevard, St Lucie and Indian River Counties
Agent Training Purposes ONLY

9. Orlando 2014 Value Prop Local Value Prop Key Local Products
Ruben Rodriguez – Sales Manager E: P:
Key Values
Large Network of Providers
Every Hospital in Orange, Seminole, and Osceola County
4.5 STAR RATING
Humana Guidance Center in Kissimmee
On/Off Exchange for IMM Opportunity
Local Office support for: 
Supplies
Marketing and Sales Guidance
Training
Key Local Products
Flagship Plan: HMO H
                $0 Premium
                $0 PCP
                $27 Specialist
                $75 In Patient Hospital
                $3,400 MOOP
                RX:  5 Tier  0/5/30/85/33%
                Dental, Hearing, Vision & Silver Sneakers            
Statewide RPPO Plan: R RPPO Plan
               Premium: $0
               PCP: $10
               Specialist: $40
               In Patient Hospital: $300/Day (1-5)                MOOP: $5,900
               RX:  5 Tier  6/15/45/95/33%
               Dental, Vision & Hearing
                $20 Over The Counter Benefit (New for 2014)
                Silver Sneakers (New for 2014)
Other PPO Plans:
              R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Special Needs Plans:                 H : For all levels including partial DE
                H : For Full Dual Eligible
                H : Diabetic SNP
Key Markets/Cities
Orlando
Kissimmee
Altamonte Springs
Orange, Osceola and Seminole Counties
Agent Training Purposes ONLY

10. Greater Tampa 2014 Value Prop
Local Value Prop
Dave Heizer – Agency Manager E: P:
Key Values
Large Network of providers
Only 4.5 STAR Plan in Market (HMO 1036) for 2014
25 + years serving Tampa Bay
On/Off Exchange for IMM opportunity
New H HMO for Sarasota County
Local Office support for: 
Training
Marketing and Sales Guidance
Seminars
Supplies
Key Local Products
Flagship Plan: H , 052, 074 Hillsborough (025), Pinellas (052), Manatee (074)
$0 Premium
                $0 PCP
                $30 Specialist
                $95 Days 1-5 In Patient Hospital
                $3400 MOOP
                RX:  5 Tier  $0/$0/$10/$60/33%
                Dental, Vision & Silver Sneakers
                Transportation Unlimited- to PCP/Spec/Silver Sneaker
Part B Giveback Plan: H $96.40 Hillsborough, Pinellas, Pasco, Hernando, & Manatee
                $0 Premium
                $35 Specialist
                $150 Days 1-5 In Patient Hospital
                $5000 MOOP
                RX:  5 Tier  $0/$0/$25/$60/33%
               $10 OTC, Dental, Vision & Silver Sneakers
     
LPPO/RPPO plans
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
H : LPPO - $155 premium
Key Markets/Cities
Tampa & Clearwater
Pinellas, Hillsborough, Pasco, Polk, Hernando, Citrus, Manatee and Sarasota Counties
Agent Training Purposes ONLY

11. Greater Tampa 2014 Value Prop (Continued)
Key Local Products
Key Local Special Needs Plans (SNPs)
Flagship Plan: H , 067 Pasco (040), Hernando (067)                 $0 Premium
                $0 PCP 
                $24 Specialist   
                $75 Days 1-5 for Inpatient Hospital
$3400 MOOP
                RX: 5 Tier   0/0/0/55/33%
                Dental, Hearing, Vision & Silver Sneakers
Transportation unlimited to PCP/Spec/Silver Sneakers
Flagship Plan: H Citrus County
                $0 Premium
                $0 PCP
                $30 Specialist
                $75 Days 1-7 In Patient Hospital
                $3400 MOOP
                RX:  5 Tier  0/5/40/75/33%
                $10 OTC, Vision & Silver Sneakers
                Transportation unlimited to PCP/Spec/Silver Sneakers
Flagship Plan: H Sarasota County                 $0 Premium
                $35 Specialist   
                $ Days for Inpatient Hospital
                RX: 5 Tier   0/10/40/80/33%
                $5 OTC, Vision & Silver Sneakers
Partial Dual Eligible Plan: H (All dual eligibles)
Hillsborough, Pinellas, Pasco, Hernando, Manatee & Citrus
                $8.60 Premium
                $0 PCP  & $0 Specialist   
                $0 per admit for Inpatient Hospital
$3400 MOOP
                RX: 5 Tier   0/0/$45/$95/25%
                $0 copays for Dental, Hearing, Vision
Full Dual Eligible Plan: H (QMB & QMB+ only)
                $10.90 Premium
Diabetic SNP: H
Hillsborough, Pinellas, Pasco, Hernando & Manatee
                $0 Premium
                $0 PCP 
                $30 Specialist   
                $125 days 1 -7 for Inpatient Hospital
                RX: $0 Deductible & 5 Tier  0/0/$45/$95/25%
                $30 copays for Dental, Hearing, Vision
Agent Training Purposes ONLY

12. Greater Ocala 2014 Value Prop
Local Value Prop
Cas Fitzpatrick II – Agency Manager E:
P: x C:
Key Values
PPO Network Reciprocity (50 States)
(11) Wal-Mart Stores (OCT 1 thru DEC 7)
3.5 CMS Star Rating
Strong Network of Providers & Hospitals
OFF the Exchange IMM Opportunity 
Local Office support for: 
Certification Classes
Product Training (On & Offsite)
Emergency Sales Supplies
Compliance, Marketing & Sales Assistance
Key Local Products
Statewide RPPO Plan: R RPPO
                $0 Premium
                $10 PCP
                $40 Specialist
                $300 Days 1-5 In-Patient Hospital
                $5,900 MOOP
                RX:  5 Tier  $6 / $15 / $45 /100% / 100% ($150 Deduct)
                Dental & Vision $20 OTC Benefit Silver Sneakers
                Right Source Mail Order Pharmacy Rx Savings
Key Market PPO Plan: R RPPO (MA ONLY)                 $0 Premium
                $5 PCP 
                $30 Specialist   
                $150 Days 1-10 for In-Patient Hospital
               $4,000 MOOP
Dental & Vision, $20 OTC Benefit Silver Sneakers
Safety Equipment 35% Discount
RPPO/PFFS plans
                R : RPPO - $0 premium
                R : RPP0  - $92 premium
                R : RPPO - $0 premium (MA ONLY PLAN)
                H : PFFS  - $103 premium
Key Markets/Cities
Ocala & The Villages
Gainesville
Alachua, Dixie, Gilchrist, Lake, Levy, Marion and Sumter Counties
Agent Training Purposes ONLY

13. Daytona 2014 Value Prop Local Value Prop Key Local Products
John Bakas – Sales Manager E: P:
Key Values
All Hospitals Contracted for all lines of business
Solid HMO and PPO networks
Largest Medicare membership of all carriers
Serving the Daytona market for over 23 years
Great network of Silver Sneaker locations 
Local Office support for: 
Training
Emergency Materials
Marketing opportunities
Seminar support
Key Local Products
Flagship Plan: HMO MAPD (Volusia/Flagler)
                $0 Premium
                $0 PCP
                $20 Specialist
                $100/day 1-10 Inpatient Hospital
                $3400 MOOP
                RX:  5 Tier  0/0/40/80/33%
                Dental, Hearing, Vision , OTC & Silver Sneakers
                Limited Transportation
Part B Giveback Plan: HMO MAPD (Volusia/Flagler)                 $93.70 Part B Reduction
                $5 PCP 
                $35 Specialist   
                $175 /day Inpatient Hospital
                RX: 5 Tier   3/9/40/80/33%
                Hearing, Vision, OTC & Silver Sneakers
Putnam Flagship Plan: HMO MAPD
RPPO plans
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Special Needs Plans:                 H (Vol/Flg); H (Putnam): Partial Duals
                H (Vol/Flg); H (Putnam): Full Duals
                H (Vol/Flg); H (Putnam) Diabetic SNPs
Key Markets/Cities
Daytona Beach
Deltona
Palm Coast & Palatka
Volusia, Flagler and Putnam Counties
Agent Training Purposes ONLY

14. NE FL Jacksonville 2014 Value Prop
Local Value Prop
Karen Lyndel – Sales Manager
E: P:
Key Values
New Humana Partial & Full Dual Eligible Plans in five core counties
New Wholly-Owned MCCI Center in Clay County across from new St. Vincent’s Hospital
Humana HMO – only 4.5 Star Plan in Service Area
Strong Zero Premium RPPO Plan
Local Office support for: 
Supplies
Training
Marketing & Sales Guidance
Events
Key Local Products
Flagship Plan: HMO MAPD (Baker, Duval, Nassau)
                $0 Premium
                $0 PCP
                $20 Specialist
                $150/day (days 1-10 )In Patient Hospital
                $6,700 MOOP
                RX:  5 Tier  0/4/45/85/33%
                Vision, Silver Sneakers, Transportation, Humana First,
               Rewards Program, OTC and Humana Active Outlook
Flagship Plan: HMO MAPD (Clay, St. Johns, Putnam)                 $0 Premium
                $0 PCP 
                $20 Specialist   
                $150/day (days 1-10) Inpatient Hospital
                RX: 5 Tier   0/4/40/85/33%
               Silver Sneakers, Vision, Transportation, Humana First,
Rewards Program, Humana Active Outlook, Dental, OTC
RPPO plans
                R : RPP0  - $0 premium
                R : RPPO - $92 premium
                R : RPPO - $0 premium  (MA ONLY PLAN)
Special Needs Plans:                 H : Full Dual Eligible (Clay, St. Johns, Putnam)
             H : Partial Dual Eligible (Clay, St. Johns, Putnam)
H : Full Dual Eligible (Baker, Duval, Nassau)
H : Partial Dual Eligible (Baker, Duval, Nassau)
H : Diabetic HMO (Baker, Clay, Duval, St. Johns, Nassau, Putnam)
Key Markets/Cities
Jacksonville
Nassau, Duval, St Johns, Clay, Baker, Bradford, Union, Suwannee and Hamilton Counties
Agent Training Purposes ONLY

15. Greater Panama City/Tallahassee 2014 Value Prop
Local Value Prop
Cas Fitzpatrick II – Agency Manager E:
P: x C:
Key Values
PPO Network Reciprocity (50 States)
(17) Wal-Mart Stores (OCT 1 thru DEC 7)
3.5 CMS Star Rating
Solid Network of Providers & Hospitals
OFF the Exchange IMM Opportunity
Local support for: 
Certification Classes
Product Training (Offsite)
Emergency Sales Supplies
Compliance , Marketing & Sales Assistance
Key Local Products
Statewide RPPO Plan: R RPPO
                $0 Premium
                $10 PCP
                $40 Specialist
                $300 Days 1-5 In-Patient Hospital
                $5,900 MOOP
                RX:  5 Tier  $6 / $15 / $45 /100% / 100% ($150 Deduct)
                Dental, Vision & Hearing $20 OTC Benefit
Silver Sneakers
                Right Source Mail Order Pharmacy Rx Savings
Key Market RPPO Plan: R RPPO (MA ONLY)                 $0 Premium
                $5 PCP 
                $30 Specialist   
                $150 Days 1-10 for In-Patient Hospital
$4,000 MOOP
                Dental, Vision & Hearing $20 OTC Benefit Silver Sneakers
Safety Equipment 35% Discount
RPPO/PFFS plans
                R : RPPO - $0 premium
                R : RPP0  - $92 premium
                R : RPPO - $0 premium (MA ONLY PLAN)
                H : PFFS  - $103 premium
               
Key Markets
Bay, Okaloosa, Walton, Jackson, Holmes, Washington, Calhoun, Gulf, Liberty, Franklin, Leon Gadsden, Wakulla, Jefferson, Taylor and Madison Counties
Agent Training Purposes ONLY

16. Greater Pensacola 2014 Value Prop
Local Value Prop
Cas Fitzpatrick II – Agency Manager E:
P: x C:
Key Values
4.5 CMS Star Rating (HMO)
Solid Network of Providers & Hospitals
(9) Wal-Mart Stores (OCT 1 thru DEC 7)
PPO Network Reciprocity (50 States)
OFF the Exchange IMM Opportunity 
Local Office Support For: 
Certification Classes
Product Training (On & Offsite)
Emergency Sales Supplies
Compliance, Marketing & Sales Assistance
Key Local Products
Flagship Plan: H HMO
                $0 Premium
                $0 PCP
                $30 Specialist
                $150 Days 1-7 In-Patient Hospital
                $3,400 MOOP
                RX:  5 Tier $0 / $5 / $40 / $80 / 33%
                Dental, Vision, $10 OTC Benefit & Silver Sneakers
               Right Source Mail Order Rx Savings
Diabetic SNP: H                 $0 Premium
                $5 PCP 
                $30 Specialist   
                $150 Days 1-10 for Inpatient Hospital
$3,400 MOOP
                RX: 5 Tier $0 / $5 / $40 / $80 / 33%
                Vision, Silver Sneakers, Right Source Mail Order Rx Savings
RPPO/PFFS plans
                R : RPPO - $0 premium
                R : RPP0  - $92 premium
                R : RPPO - $0 premium (MA ONLY PLAN)
                H : PFFS  - $103 premium 
Special Needs Plans:                 H : For all levels including partial DE
                H : For Full Dual Eligible
                H : Diabetic SNP
Key Markets/Cities
Pensacola
Gulf Breeze
Escambia and Santa Rosa Counties
Agent Training Purposes ONLY
Agent Training Purposes ONLY