1. Supplemental Insurance Protection
Metal Gap Plan Gen
Approval Date: 09/24/2015
Code :
Supplemental Insurance Protection
Metal Gap Plan®
Form CH IP (03/15, or its state variation)
See Separate Presentation for State Specific Variations
©2015 SureBridge® Product Training Materials | Proprietary and Confidential.
For more plan details, refer to the product materials.
The benefits described in this presentation are subject to all provisions, terms, definitions, and limitations and exclusions of the applicable policy.
Supplemental plans serve a specific purpose in the insurance market. These plans are not intended as substitutes for accident and sickness health insurance and should not be construed as such.

2. Supplemental Products Availability
Chesapeake’s SureBridge product suite is one of the largest supplemental insurance portfolios in the industry and includes critical illness, cancer, accident, disability income, hospital and fixed indemnity, dental and vision policies1. Chesapeake also has one of the broadest marketing footprints in the industry through its producer distribution systems. AK WA ID MT ME OR ND MN NH WI NY VT MI WY SD CA MA RI NV CT UT PA NE IA IL OH IN NJ CO WV DE MO VA KS MD HI KY DC AZ NC NM OK TN TX AR SC GA MS AL
All products available
Subset of products available
No products available LA FL
1 Product Availability varies by state.

3. Supplemental Products Superior Client/Broker Experience
Quoting
Compare packages with different combinations of supplemental products
Present total price for solution
Commissions
Initial Premium and any application fee are taken upon policy issue
Most policies issued within 24 hours
Book of Business report available on your Broker Portal
Application
Single e-app for any combination of supplemental products
Flexibility to select different products and/or benefit options for each family member on app
Smart app – only the questions for the products selected are asked
Simplicity – all questions are yes/no
Product Brochure provided
Claims
Claim form provided with complete instructions for submission
Claim forms are typically analyzed and adjudicated within 7 days after receipt

4. Supplemental Products Sales Pitch
Changes in the market present opportunities to sell supplemental plans
During 2015, Essential Health Benefit (EHB) plans can have out-of-pocket limits as high as $6,600 for individuals and $13,200 for families (increased in 2016 to as high as $6,850 for individuals and $13,700 for families).
This can leave large gaps in coverage which may be filled with supplemental plans.
Advanced premium tax credits for EHB plans are available for individuals or families making up to 400% of the federal poverty level. Premium dollars saved due to premium tax credits may allow your customer to purchase supplemental insurance that can help fill gaps left by high deductibles and coinsurance on EHB plans.
Number of family members
Poverty Guideline for family income (as of 2015)
Can still qualify for a subsidy under the ACA with an income up to 1
$11,770
X 400%
$47,080 2
$15,930
$63,720 3
$20,090
$80,360 4
$24,250
$97,000 5
$28,410
$113,640
Premium dollars saved due to tax credits can be used to pay for supplemental plans and help reduce coverage gaps.
Need a subsidy calculator? Try

5. Metal Gap Plan Sales Pitch
The Metal Gap plan is a piece of the puzzle that can help fill in gaps caused by high out-of-pocket expenses or to supplement lost wages.
On the right, health insurance is supplemented by the following:
Metal Gap Plan for lump sum hospital coverage,
CancerWise®* for lump-sum cancer coverage,
Accident Companion* for lump sum accident coverage.
Coverage
Gap
Health Coverage
Accident
Companion
Cancer
Wise
Metal Gap !
The Metal Gap Plan can help fill gaps with ACA Bronze, Silver, Gold and
Platinum health plan cost sharing. However, it cannot completely fill all coverage gaps. Make sure your customers understand this. They may want to consider more than one type of supplemental coverage.
*See the appropriate training documents for more details on these other products.

6. Metal Gap Plan Product Comparison
The Metal Gap Plan is designed to provide customers a lump sum cash benefit.
For inpatient hospital confinement and outpatient surgery due to sickness or injury
For emergency room visit for injury
There is no annual deductible
In comparison, the Hospital Confinement Direct provides daily benefits for hospital confinement, including ICU/CCU.
LUMP SUM BENEFITS
DAILY BENEFITS
Metal Gap Plan
Hospital Confinement Benefit
Outpatient Surgery Benefit
Injury Only Emergency Room Benefit
Hospital Confinement Direct
Hospital Confinement Benefit
Intensive Care/Cardiac Care Unit Confinement Benefit

7. Metal Gap Plan Navigation?
The Metal Gap Plan is located under the Illness tab of the SureBridge Point of Sale Tool.

8. Metal Gap Plan Benefit Schedule
Package A
Package B
Package C
Waiting Period
Sickness – 30 days
Injury – 0 days
Applies to all options
Pre-Existing Condition Limitation
(All Plans)
One year - Applies to all options
Calendar Year Maximum
(All Benefits Combined)
Per Insured Person
Per Family
$2,000
$4,000
$8,000
$6,000
$12,000
Lump Sum Hospital Confinement Benefit
(Due to Sickness or Injury, per Insured Person, per Calendar Year)
Outpatient Surgery Benefit
$1,000
$3,000
Injury Only Emergency Room Benefit
(Due to injury, per Insured Person, per Calendar Year)
$250
$350
$500
Need to update for product

9. Metal Gap Plan Claims Example
Jenny Heart, age 43, had a car accident. Jenny fractures her skull, suffers a concussion, and has multiple contusions. Due to the fracture in her skull, Jenny is confined in the hospital for 7 days. She spends the first and second day in an ICU room to monitor for swelling of the brain and spends the third through seventh days in a regular hospital room. Luckily, in addition to her bronze level EHB health insurance, Jenny has a Level B Metal Gap plan.
The Bronze EHB plan only paid $3,900, leaving Jenny OOP $6,600. SureBridge paid $4,000, covering most of the gap left by the EHB plan. Other supplemental products, such as the Accident Direct Plan, could have paid additional benefits.
BILL
After PPO Discounts
ICU
Room
(1st - 2nd Day)
Hospital Room
(3rd – 7th Day)
$6,000
$4,500
Paid By Health Plan $0
$3,900
Out of Pocket
$6,000
$600
Paid By SureBridge Plan
Hospital Confinement Benefit
$4,000
Calendar Year Maximum for all benefits combined
$6,600
$4,000

10. Metal Gap Plan Renewability
The policy is guaranteed renewable to age 65, subject to the Company’s right to discontinue or terminate the coverage as provided in the TERMINATION OF COVERAGE section of the policy.

11. Metal Gap Plan Metal Gap FAQs
New Business and Underwriting
This product cannot be sold with another Lump Sum Fixed Indemnity plan offered by CLICO.
This coverage is issued as Simplified Issue only.
Claim Payment
Cash benefit to the member – no assignment of benefits.
No coordination of benefits with any health plans.
No network of providers.
Maternity is not covered.
Average claim processing time is 7 business days unless an additional review is conducted for provisions of the coverage (i.e. pre-existing, etc.)

12. Metal Gap Plan Underwriting Quick Reference
Important Information
Summarized questions are based on the generic 2015 application.
See the Metal Gap Plan section of the Chesapeake Underwriting and Product Guide for detailed application question information.
Applicable Questions for Metal Gap Plan
Applicants Info, Height/Weight
Heart Brain and Circulatory System
Medicare eligibility
Renal System
Minimum Essential Coverage
Endocrine System
Minimum Essential Coverage Replaced
Organ Transplant
Abnormal test results
Maternity, fertility treatments
Impending test
Respiratory System
Cancer history: full
Hepatitis
HIV AIDS
Other serious conditions
Prescription*
Alzheimer’s Disease
ADL (Activities of Daily Living)
Crohn’s disease
Cholesterol/Blood Pressure
Impending surgery*
Mental Diseases or Disorders
*Requires additional manual review !
The Metal Gap Plan requires that the customer have Minimum Essential
Coverage (MEC) in place in order to purchase. If you require more information on MEC, go to:

13. Metal Gap Plan Pricing Examples
Rates can change. The chart above is only an illustration of benefit and premium options. These rates come from the generic brochure: CH GAP 815. The chart below is only an illustration of benefit and premium options per covered person for plans. Premiums may vary by state.
Monthly Premiums¹
Option A
Option B
Option C
30 Year old Male Non-Tobacco
$17.79
$34.47
$51.53
30 Year old Male Tobacco
$21.35
$41.37
$61.83
30 Year old Female Non-Tobacco
$32.62
$63.20
$94.46
30 Year old Female Tobacco
$39.14
$75.84
$113.36
45 Year old Male Non-Tobacco
$29.91
$57.97
$86.64
45 Year old Male Tobacco
$35.90
$69.56
$103.97
45 Year old Female Non-Tobacco
$36.78
$71.28
$106.54
45 Year old Female Tobacco
$44.14
$85.53
$127.84
Dependent Child
$24.83
$47.83
$71.44
Sample

14. Metal Gap Plan
This presentation is not inclusive of all policy provisions.
See product materials and/or state-specific training presentation for complete details and any additional state variations regarding Termination of Coverage, Renewability, Premium Changes, Eligible Dependents, Exclusions and Policy Definitions.
SureBridge® is a registered trademark used for both insurance and non-insurance products offered by subsidiaries of HealthMarkets, Inc. Supplemental insurance products are underwritten by The Chesapeake Life Insurance Company®. Administrative offices are located in North Richland Hills, TX.
SureBridge products are individual supplemental products and are not available as group coverage.
This material cannot be copied or used in any way for advertising or presentation purposes.
THIS POLICY PROVIDES LIMITED BENEFITS. This type of plan is not considered “minimum essential coverage” under the Affordable Care Act and therefore a Metal Gap Insurance Policy does not satisfy the individual mandate that you have health insurance coverage.
This is not Medicare Supplement Insurance.
Benefits may vary by state. See state variations and product materials for more detail.

15. Metal Gap Plan Thank You For Everything You Do!
Lump Sum Fixed Indemnity Insurance Policy