2. We have a rescue plan! We have a rescue plan!

3. The strategy is simple. You can explain it in 10 minutes or less.

4. Secondary group insurance plan that helps reduce the cost of group medical coverage. What is the Premium Saver?

5. We often save employers 10-20% Maintains or improves benefits No dangerous exclusions We’re not a typical “GAP” Plan!

6. DeductibleCoinsurance Coinsurance Out-of-Pocket Doctor Visit Co-Pay Drug Card Co-Pay Drug Deductible BC/BS Plan$2,00070/30%$2,000$25/50$8/35/50/85$50 Number of EmployeesMedical RatesTotal Monthly Premium* Total Annual Premium Employee59$422.14$24,906.26$298,875.12 EE + Spouse4$864.54$3,458.16$41,497.92 EE + Children3$799.11$2,397.33$28,767.96 Family2$1,295.54$2,591.08$31,092.96 Totals68$33,352.83$400,233.96 Example

7. Renewal Plan DeductibleCoinsurance Coinsurance Out-of-Pocket Doctor Visit Co-Pay Drug Card Co-Pay Drug Deductible BC/BS Plan$2,00070/30%$2,000$25/50$8/35/50/85$50 Number of EmployeesMedical RatesTotal Monthly Premium* Total Annual Premium Employee59$504.14$29,744.26$356,931.12 EE + Spouse4$1,032.47$4,129.88$49,558.56 EE + Children3$954.33$2,862.99$34,355.88 Family2$1,547.30$3,094.60$37,135.20 Totals68$39,831.73$477,980.76

8. Number of Employees Employee59 EE + Spouse 4 EE + Children 3 Family2 Totals68 Premium Saver (High Deductible Plan + Premium Saver to $5,000 Deductible/40% to $1,350 Premium Saver (High Deductible Plan + Premium Saver to $5,000 Deductible/40% to $1,350 Total Monthly Savings: $4,181.78 Total Annual Savings: $50,181.36 Medical Rates PremiumSaver Rates Combined Rates Total Monthly Premium* Total Annual Premium $409.85$41.44$451.29$26,626.11$319,513.32 $839.37$88.77$928.14$3,712.56$44,550.72 $775.84$75.52$851.36$2,554.08$30,648.96 $1,257.82$120.78$1,378.60$2,757.20$33,086.40 $35,649.95$427,799.40

9. Works with large and small groups with as few as 5 employees NO RATE UP for industry, age or location Great strategy for any group

10. Covers the same expenses as the underlying major medical plan Designed to wrap around your major medical plan like a glove What does Premium Saver cover?

11. Want to save even more? Combine an HDHP, the Premium Saver with copay coverage for professional fees of a physician and outpatient prescription drugs

12. Complies with the ACA Saves premium Maintains or improves benefits Safe for Employer and Agent

13. HDHP Fully Insured PPO’s Self-Insured Groups Works with…

14. Groups that prefer richer benefits can select deductibles as low as $250 Those looking to maximize savings can select a lower cost high deductible PremiumSaver Plan Wide range of deductible and coinsurance options Custom plans that fit

15. Access the Premium Saver RFP on our website Most proposals will be sent to you in less than 24 hours How to get a Premium Saver Quote

16. Save money Maintain benefits ACA compliant Level commissions Summary

17. Contact Us Before you renew any group, before you see your next prospect, consider the MWG Premium Saver! 1-877-759-5728 brokerservices@morganwhite.com www.PremiumSaverPlan.com