1. Vital Protection Underwritten by: LifeShield National Insurance Co.
Confidential. Do not distribute. For agent use only.
All rights reserved. Health Plan Intermediaries Holdings, LLC, 2018

2. Underwritten by LifeShield National Insurance Co.

3. Important Non-Negotiables to Remember
Agents are required to fully identify this product. Vital Protection is an accident and sickness hospital indemnity plan underwritten by
LifeShield National Insurance Co.
Source: Non-Negotiables “Name and Type of Product”

4. ACA Disclaimer
THIS IS AN ACCIDENT AND SICKNESS HOSPITAL INDEMNITY HEALTH INSURANCE POLICY THAT IS NOT INTENDED TO AND DOES NOT QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A POLICY THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH INSURANCE POLICY THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD.
THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.

5. Important Non-Negotiables to Remember
Agents are required to inform consumers that this plan is not ACA compliant and that they may be subject to a tax penalty.
Source: Non-Negotiables “Product is Not ObamaCare/ACA”

6. Product Highlights Network Doctor’s Office Visits
MultiPlan Limited Benefit Plan, giving members access to in-network negotiated rate
Doctor’s Office Visits
$75 for up to 2 visits
Daily Hospital Confinement Indemnity Benefit
$500, $1,000, or $5,000
Disclaimer: This is a brief description of Vital Protection accident and sickness hospital indemnity plan. Please check the product certificate or master policy for complete details.

7. Plan Benefits Benefit Description Plan 1 Plan 2 Plan 3
Daily Hospital Confinement Indemnity Benefit
$500
$1,000
$5,000
Maximum Number of Days Per Period of Confinement 31
Elimination Period for ICU and Inpatient Hospital
3 days
Daily Intensive Care Unit Confinement Benefit
2x Hospital Benefit
Physician's Office Visit Benefit
$75
Maximum Number of Days 2
X-Ray and Laboratory Benefit
$100
$200
Maximum Policy Year Benefit
$50,000
$100,000
Disclaimer: The amounts listed above are fixed amounts and no other payments will be made.

8. Who can benefit from this coverage?
Eligibility
Adults ages 18-64
Vital Protection is great for those who:
Have been priced out of major medical coverage
Are looking to supplement a higher deductible major medical plan

9. Limitations & Exclusions
Pre-Existing Conditions
Charges resulting directly or indirectly from a condition for which a covered person received medical treatment, diagnosis, care or advice, including diagnostic tests or medications, within the 3 month period immediately preceding such person’s certificate effective date are excluded for the first 12 months of coverage.
Waiting Period
3 days sickness waiting period immediately following the coverage effective date; does not apply to an injury
Other Exclusions
Elective medical services like cosmetic surgeries are not covered
Disclaimer: This is a brief description of Vital Protection accident and sickness hospital indemnity plan. Please check the product certificate or master policy for complete details.

10. Important Non-Negotiables to Remember
Agents are required to educate consumers on how this plan handles pre-existing conditions in their state.
Source: Non-Negotiables “Pre-Existing Conditions (Explanation)”

11. MultiPlan Limited Benefit Plan
Persons insured under this plan may choose to be treated within, or out of, the MultiPlan Limited Benefit Plan network. This membership entitles your clients access to doctors and hospital facilities who have contracted to provide specific medical care at negotiated prices.
Locate providers at:
Approximately 900,000 healthcare providers under contract
Estimated 57 million consumers accessing the network products
40 million claims processed through the networks each year

12. Important Non-Negotiables to Remember
The amount of reduction varies by state and type of medical services received. The repriced amount varies by state and type of medical services received and is not a standard or fixed amount.
Source: Non-Negotiables “Network Repricing”

13. With ScripPal there are no fees or charges to enroll, and it never expires.
Your members can use this card to save an average of 46% for their whole family, including pets, at more than 60,000 pharmacies nationwide.
At the Rx Helpline, a team of advocates specializes in finding the lowest cost alternative for prescription medications. The team has helped over one million people navigate the complex system of prescription coverage and save money on their medications. Telephone consulting with Rx Helpline advocates to navigate options is at members’ fingertips. The team helps individuals get their medications for the lowest possible cost – and sometimes even for free.
Teladoc gives your clients 24/7/365 access to U.S. board-certified doctors who can resolve many of their medical issues via phone or online video. There is a one-time registration fee of $10 per person required before the first consultation.
Disclaimer: Not affiliated with LifeShield National Insurance Co.

14. Important Non-Negotiables to Remember
Agents must inform consumers that discount services and Rx programs are not insurance and do not provide coverage and that they only provide discounts and services.
Source: Non-Negotiables “This is Not Insurance”

15. Start Selling HOW TO GET STARTED
Just in Time appointment is available in most states except in states where pre-appointment is mandatory. To confirm this product is available in the state that you sell, please see the State Availability Chart in your Agent Portal.

16. Important Non-Negotiables to Remember
You must be licensed to sell in the state.
Source: Non- Negotiables “Have Your License # Handy”

17. Questions? Please reach out by:
Calling and selecting option 3
ing
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