1. ROMEO “RO” LAZZARONE, LUTCF 775-673-4456 www.TheLazzaroneGroup.com THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

2. *DISCLAIMER All info. is subject to change at any time and without warning. THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

3. THE ROLE OF THE HEALTH INSURANCE BROKER THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

4. ACCORDING TO A RECENT SURVEY FROM MARKET RESEARCH FIRM TNS THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

5. THE BROKER/AGENT ROLE…. Really hasn’t changed, except, there are many more choices and options than before; a broker can help “you” find a plan that best fits you and your family Use a “qualified broker” Make sure the broker is certified with Nevada Health Link Enroll and provide individuals/groups health insurance plans “on” and “off” the exchange Broker “locator” on the exchange website, to select a broker Use a broker that has experience Discuss possible tax implications on individual subsidy THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

6. OFF EXCHANGE CARRIERS Nevada Health CO-OP* Sierra Health and Life* Health Plan of Nevada* St. Mary’s Health Plans* Hometown Health* Anthem* Humana* Aetna* Time* Celtic* *Carrier plans and rates pending- available sometime in October THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

7. ON EXCHANGE CARRIERS Qualified Health Plan (no dental) Issuers : Anthem* Nevada CO-OP* Health Plan of Nevada St. Mary’s Health Plans *Offering on both Individual and SHOP markets These insurance carriers are providing approximately 80 medical plans and 90 standalone dental plans. Size of network could be limited THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

8. ON EXCHANGE CARRIERS Standalone Dental Plan Issuers: Anthem Best Life Delta Dental Liberty Dental Nevada Dental Benefits, Ltd. Premier Access Dental Guardian Life Insurance Company** **SHOP only. The rest will offer on both individual and SHOP markets. These insurance carriers are providing approximately 80 medical plans and 90 standalone dental plans. Size of network could be limited THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

11. STRATEGIES BEFORE JANUARY 1, 2014 Talk to a “qualified” broker Look at early renewal options- individual/group If insurable, look into new plans by Dec 31, 2013 THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM

12. ROMEO “RO” LAZZARONE, LUTCF 775-673-4456 www.TheLazzaroneGroup.com THE LAZZARONE GROUP 775-673-4456 WWW.THELAZZARONEGROUP.COM