1. BERWICK INSURANCE WELCOME! We will begin Shortly… Sales Meeting & Focus Discussion: “Infinite Possibilities” June 16, 2014

2. AGENDAAGENDA 1.Headline News  AHIP  UnitedHealthcare  Humana  Mutual of Omaha  Aetna/Coventry  Cigna 2.Compliance Member Complaints to CMS How to Prevent Complaints Avoid Rapid Disenrolls 3.Focus Discussion: “Infinite Possibilities”

3. Headline News AHIPwww.ahip.org Available on their website on June 23 rd, 2014 Available on their website on June 23 rd, 2014 Will be 6 sections this year instead of 5 Will be 6 sections this year instead of 5 Fraud, Waste, and Abuse has been added Fraud, Waste, and Abuse has been added Make sure the test you take says 2015 certification Make sure the test you take says 2015 certification The cost is $150 when taken directly from this site The cost is $150 when taken directly from this site Discounted rates are available from the carrier sites if you would like to wait. Discounted rates are available from the carrier sites if you would like to wait. Aetna and Humana will pay for AHIP next year with 10 MA sales in OEP. Aetna and Humana will pay for AHIP next year with 10 MA sales in OEP.

4. Headline News UnitedHealthcare News 1.2015 Certifications July 1 st  Available July 1 st  Stay tuned for Certification incentives from Berwick! 2.ASL Services  UHC provides FREE interpreters  Complete ASL Request form on UHC portal  Contact PHD (AFTER form is completed)  Interpreter will contact you to coordinate meeting time  See “Meeting w/ Hearing Impaired” instructions

5. Headline News  Humana New Newsletter with important news  Mutual of Omaha New Lower Rates – all over country! Check out emails sent to you by Mutual of Omaha

6. Headline News Aetna/Coventry  July 1 st Combined Contract available, Re-contracting to start  July 15 th updated Aetna Producer Guide Released (download from website)  July 17 th 2015 Certification begins  Go to Carrier Website take AHIP Frontrunners get free AHIP  AHIP has 6 sections including FWA for 2015  Aetna/Coventry has 1 online class called core training  Schedule yourself for Local Market Training  After attending local training, go to website online and complete and pass the local market test  Then you are ready to sell.  July 18 th Aetna 2015 First Look Available (Disclaimer-Benefits Not Final)  August 6 th Aetna Broker Training released (Disclaimer-Benefits Not Final)  August 25 th Aetna Sales Presentation and Video Released. (Agents can use in presentations)  September 1 st Broker Plan Booklet (Broker Use Only)  September 15 th Kit Pre Orders (Tentative Date)  September 15 th New Frontrunner program criteria  October 1 st AEP Marketing Begins  October 15 th AEP begins  October ?? 2015 Star Ratings announced

7. Headline News Cigna/Healthspring New Carrier to Berwick Insurance Group New Carrier to Berwick Insurance Group Cigna will only offer MA plan in 2015, PDP will be discontinued Cigna will only offer MA plan in 2015, PDP will be discontinued Offered in 17 States for 2014: Offered in 17 States for 2014: AL, AR, AZ, DE, DC, FL, GA, IL, IN, MD, MS, NC, OK, PA, SC, TN, TX AL, AR, AZ, DE, DC, FL, GA, IL, IN, MD, MS, NC, OK, PA, SC, TN, TX Certifications Certifications AHIP or “New option” for 2015 certs required AHIP or “New option” for 2015 certs required More info to follow on the “new option” More info to follow on the “new option” Internal certifications Internal certifications Face to face Face to face

8. ComplianceCompliance 1.Member Complaints to CMS  Biggest issue affecting Star Ratings  Important to have your client call YOU or UHC if they have an issue  Create Business Card Magnets to leave behind  Have them put your contact info in their phone/address book  Highlight UHC’s number in Enrollment Booklet  You are assessed Complaint points for a CMS complaint!  Too many points and your contract can be termed! 2.Prevent Complaints  #1 Reason for complaints is Wrong Provider!  ALWAYS check ONLINE Provider Directory! 3.Audits are Coming!  We will call you if we need anything!  Make sure you have done FWA training & monthly Exclusions Checks on all NON-agent personnel!

9. ComplianceCompliance 4.Avoid Rapid-Disenrolls  Keep member engaged throughout meeting  Use scenarios to explain benefits/how MA plans work  Follow Up Calls  Contact member to check to see if they received their Enrollment packet  Make sure Doctor is correct on Card  Do a few checks throughout the year to ensure everything is going well and your client is happy with coverage!  DUALS have higher dis-enrollment rates!  Make sure your clients UNDERSTAND!! 5.Generic Advertising  We MUST Review your Ads!  Don’t forget Berwick Portal has Generic Templates  If you need something you don’t see, ASK US & we’ll create it for you!  Please submit your Generic ads for review to: compliance@berwickinsurance.com compliance@berwickinsurance.com

10. Focus Discussion “Awesome New Product” Innovative product: Gives your Clients 24/7 Access to physicians. Anytime! Anywhere! Saves them time and money Avoid ER and Urgent Care Waiting Rooms Costs less than $1 per day Available in all 50 States Over 2300 physicians, largest of its kind Has 97% Customer Satisfaction Rate Doesn’t require a License or Certifications Great way to prospect for new clients You can sell over the phone to Individuals, Families, Groups, Medicare Recipients Cannot be purchased directly from the company, must be through a broker

11. Focus Discussion Introducing healthiestyou OVER THE PHONE!  Over 70% of all ER, Urgent Care & Doctor’s visits can be safely and effectively handled OVER THE PHONE!  9 most common consultations: Allergies Bronchitis Earache Sore Throat Sinusitis Pink Eye Strep Throat Upper Respiratory Infection Urinary Tract Infection It’s the most convenient benefit since doctors made house calls!

12. Focus Discussion healthiestyou Physician Access -24/7 physician access via phone, email or video -Physicians can diagnose & prescribe non-narcotic meds -Utilization encouraged, NO CONSULTATION FEES -Immediate advice or 2 nd opinions -Prescription Savings -Disease Management Personalized Wellness -First-of-its-kind wellness program -Smarter-with-use online member health platform -Clinically-validated through Stanford Medical School -Improves weight, stress, blood pressure, mood & more! Benefits Benefits -Address health issues on own schedule -Fewer sick days taken -No Underwriting -Easy Enrollment -Measurable reduction in health costs -Healthier Employees -Increased employee productivity

13. Focus Discussion healthiestyou Here’s how Plan works:  Client calls healthiestyou #  Healthcare coordinator takes info  Licensed Physician from their state calls back w/in maximum of 3 hours – average time 11 minutes  Doctor consults, diagnoses and prescribes treatment

14. Focus Discussion CLIENT COST$

15. Focus Discussion healthiestyou Here’s how You Contract:  We send you email link  Complete Form & Submit  You receive an email verifying your contract  Log back into site & e-sign contract  Ready to Sell! Here’s how You Sell:  Send Email to Client  Send Email to Client (paper app also available)  Client clicks on link  Completes form w/credit card info  Submits  You Start Getting Paid!

16. Focus Discussion healthiestyou COMMISSION $  Agent receives 15% of Premium  Paid as Earned  No Production Requirements  Paid Monthly FACTS:  No long term contracts- its Month to Month  No Usage Minimums or Maximums  No Co-pays!

17. Focus Discussion healthiestyou Here’s how to Market:   Use as a door opener product Sell this plan now Use those contacts for Medicare referrals in OEP Great source of income & referrals  Appoint someone in your office to call your clients – No Insurance License required!  No CMS regulations for marketing

18. Q & A