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Simple, Balanced, Loaded A look at the entire health insurance marketplace
As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans.
As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. ,[object Object]
As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. ,[object Object],[object Object]
As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. ,[object Object],[object Object],[object Object]
As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans. ,[object Object],[object Object],[object Object],[object Object]
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Simple, Balanced, Loaded
Simple, Balanced, Loaded A look at the entire health insurance marketplace
Loaded Balanced Simple
3 General Approaches Loaded Balanced Simple
3 General Approaches Hospitalization/Outpatient Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20  50/50  70/30 Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations Loaded Balanced Simple
3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches Day-to-Day Doctor Visit Co-pays Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches Day-to-Day Doctor Visit Co-pays $15, $25, $35 Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches ,[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches ,[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches ,[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches $1000 month ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few limitations  Expectations Met Loaded Balanced Simple
3 General Approaches $1000 month $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Looks the same as a Loaded Plan Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Looks the same as a Loaded Plan Scaled back to reduce costs Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Looks the same as a Loaded Plan Scaled back to reduce costs Doctor Visit Co-pays Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Looks the same as a Loaded Plan Scaled back to reduce costs Doctor Visit Co-pays $25, $40, $50 Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family / Per Person / Per event 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3x Per Family / Per Person / Per event 3. 100 % Coverage Small annual limits  Scheduled Benefits Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1. One Deductible for Entire Family Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage One Deductible Plan Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted,  Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 $250 month ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 $250 month $250 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
3 General Approaches $1000 month $500 $500 $600 month $300 $300 $250 month $250 $0 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Day to Day is done differently becoming more cost effective No more co-pays for doctor visits or prescriptions Discounted, count towards deductible Covered at 100% once deductible is met Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance  80/20 ($1000) 50/50 ($1250)  70/30 ($2000) 2X 3. 100 % Coverage Comprehensive  High quality Few  limitations  Expectations Met Looks the same as a Loaded Plan Scaled back to reduce costs 1.Deductible $500, $1000, $1500 3x Per Family 2. Co-insurance  80/20 ($2000) 50/50 ($2550)  70/30 ($4000) 3. 100 % Coverage up to smaller lifetime or annual  amounts  Comprehensive Coverage 1.One Deductible Plan $2200, $3200, $4000, $5600 1x Per Family 2. 100% Coverage between Three to Eight Million $ per person Loaded Balanced Simple
 

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Simple, Balanced, Loaded Power Point Presentation[1]

  • 1. Simple, Balanced, Loaded A look at the entire health insurance marketplace
  • 2. As an agent, this powerpoint is intended as a tool for improving your appointment skills in presenting the SIMPLE BALANCED LOADED nature of health insurance plans.
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  • 9. Simple, Balanced, Loaded A look at the entire health insurance marketplace
  • 11. 3 General Approaches Loaded Balanced Simple
  • 12. 3 General Approaches Hospitalization/Outpatient Loaded Balanced Simple
  • 13. 3 General Approaches Day-to-Day Hospitalization/Outpatient Loaded Balanced Simple
  • 14. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 Loaded Balanced Simple
  • 15. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family Loaded Balanced Simple
  • 16. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance Loaded Balanced Simple
  • 17. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 50/50 70/30 Loaded Balanced Simple
  • 18. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X Loaded Balanced Simple
  • 19. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Loaded Balanced Simple
  • 20. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive Loaded Balanced Simple
  • 21. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Loaded Balanced Simple
  • 22. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Loaded Balanced Simple
  • 23. 3 General Approaches Day-to-Day Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 24. 3 General Approaches Day-to-Day Doctor Visit Co-pays Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
  • 25. 3 General Approaches Day-to-Day Doctor Visit Co-pays $15, $25, $35 Hospitalization/Outpatient 1.Deductible $500, $1000, $1500 2x Per Family 2. Co-insurance 80/20 ($1000) 50/50 ($1250) 70/30 ($2000) 2X 3. 100 % Coverage Comprehensive High quality Few limitations Expectations Met Loaded Balanced Simple
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