Personal Benefits Plan

Life Is Complicated. Your Company’s Health Benefits Don’t Have To Be.

Your Name©American Health Resources, Inc. 2015 – Patent Pending

What Is PERSONAL BENEFITS PLAN?

Employer funds the benefit plan.

Each employee is given a Benefits Savings

Account.

Funds may be used by the employee to buy whatever health insurance and other benefits they want and need.

You help the employer set the

BUDGET.

Help each employee

CHOOSE their own benefits package.

The Personal Benefits Plan Is An Alternative to Group Health Insurance.

IT’S THAT SIMPLE!

Here’s How The Personal Benefits Plan Works…

It’s Smart, Simple, and Hassle Free!

1. We will use our ONLINE ANALYSIS TOOL to calculate the costs & savings for each employee’s health benefits, and give you a true ‘apples to apples’ comparison between group health insurance and an individual policy solution for your group.

2. Based on that, you decide how much you want to deposit into each employee’s BENEFITS SAVINGS ACCOUNT with AHR each month.

3. We will meet with each employee one-on-one to help them choose their optimal health insurance & other benefits they may want.

4. Employees use their Benefits Savings Accounts at AHR to pay for the benefits they choose. It’s consumer-directed benefits!

Personal Benefit Plans are ACA Exempt

Personal Benefits Plans are not considered a “group health plan” by the ACA, so complex ACA rules & reporting mandates are eliminated:

No annual returns to document healthcare benefits

No Summary Plan Descriptions (SPD) or CMS Credible Coverage reports

No COBRA

Benefits Savings Account deposits are COMPENSATION, NOT premium reimbursement.

They can be ADJUSTED to fit the needs of each individual employee, because there aren’t any nondiscrimination requirements.

ACA EXEMPT MEANS SIMPLE, FLEXIBLE

& STABLE BENEFITS

Personal Benefits Plan: The Smart Alternative to Group Health Insurance

Benefits based on real numbers:

1. Employer’s Budget

Personal Benefits Plan: The Smart Alternative to Group Health Insurance

Benefits based on real numbers:

2. Actual Employee’s Medical Expenses

Premiums paid by employee

Out of pocket expenses

Personal Benefits Plan: The Smart Alternative to Group Health Insurance

Benefits based on real numbers:

3. Actual Individual Insurance Premiums

Plan is designed for the employee’s needs.

Individual policies allow for subsidies.

Personal Benefits Plan: The Smart Alternative to Group Health Insurance

Benefits based on real numbers:

4. Financial Support

Premium Tax Credits

Cost Sharing Reductions

Personal Benefits Plan: The Smart Alternative to Group Health Insurance

Benefits based on real numbers:

5. Alternative Coverage Options

HSA’s

Cafeteria Plans (FSA’s)It eliminates the waste inherent in group health insurance and

improves employees satisfaction.

Personalized ‘Concierge’ Service

Expert help makes choosing insurance easy. Each employee gets a Personal Benefits Advocate who will help them choose their optimal coverage, based on their own unique needs:

Out-of-pocket expense & premium limits

Special kinds of coverage they may need

The doctors & hospitals they want

The insurance companies they prefer

It’s health insurance with a human touch, making benefits choices simple, pleasant & easy for your employees.

Personal Benefit Plans are a Better Solution.

Employee Satisfaction & Retention Retain your top talent! Employees overwhelmingly prefer to choose their own Personal

Benefits Packages over group health insurance.

Plan Stability & SimplicityOnce your clients shift to a Personal Benefits Plan, their benefits problem is solved. They

don’t have to worry about group health insurance again.

Cost Efficiency & EffectivenessPersonal Benefits Plans are more cost efficient, & provide insulation against insurance rate

increases. For most employers, these plans cost substantially less than group health insurance.

Employee Satisfaction and Retention

Out of Pocket Costs?

In network Doctors?

Premium Cost?

Insurance Company?

REAL TIME information and reporting

Online through our website

Call AHR and we will help you

Each employee will have the guidance of an expert healthcare advocate to help them choose their optimal coverage.

Decisions on cost for out-of-pocket expenses & premiums

Decisions on type of coverage they want, with doctors & hospitals they like, and with companies of their preference.

Deductible?Hospital?

Employee Satisfaction and Retention

A variety of compliant health

plans to choose from with the help of an

expert to make it all very simple for you.

Infinite flexibility

We offer HSA’s and FSA’s

Our new BENEFITS SAVINGS ACCOUNT is like no other in the industry

Free Wellness Planning for a healthier workforce

Employee Satisfaction and Retention

That’s what benefits are all about. A Benefits Savings Account lets employees choose the benefits they want, so, they will be more satisfied!

They choose their own health insurance, and may choose less expensive coverage so they have money left over for:

Co-pays and deductibles, & anything not covered by their insurance

Life, accident, disability, dental, vision, critical illness policies

Gym memberships or home exercise equipment

Any kind of health, recreational or nutritional product or service

Tuition and educational expenses

They can save their money for retirement, a new car, a down-payment on a home, emergencies or any other use.

Or not. It’s their choice.

See why Benefits Savings Accounts make so much sense?

..Especially for Lower Income Employees

Offering Group Health Insurance may actually hurt your lower income employees.

They lose eligibility for subsidies and cost-sharing reductions

Group health insurance often costs more than individual policies

May have higher out-of- pocket medical expenses. ©American Health Resources, Inc. 2015 – Patent Pending

A Personal Benefits Plan eliminates this problem,

because it’s not considered a ‘Group Plan’

by the ACA.

Your employees may become eligible for Federal subsidies & cost-sharing

reductions.

Plan Stability and Simplicity

Personal Benefits Plans are far more stable than group health insurance, because you can adapt them as needed without

disrupting anyone’s health insurance policy.

Adjust the dollars, not the insurance.

Personal Benefits Plans are not considered a “group health plan” by the ACA, so complex ACA rules and reporting mandates are eliminated:

No annual returns to document healthcare benefits

No Summary Plan Descriptions (SPD) or CMS Credible Coverage reports

No COBRA ACA exempt means simple & stable!

More Cost Efficient and Cost Effective.

Federal Protection In The Individual Market

If an insurance company overcharges for health insurance

on the individual market, they must return the excess premiums to the

consumer. This is one of the reasons why premiums are typically lower on the individual market than

they are for group policies.

Alignment of Incentives

By providing a Benefits Savings Account, two additional opportunities of savings occur:

You eliminate waste Now, it’s their money, and they will

use it wisely to buy what they actually need.

You eliminate excess enrollment

Dual coverage and unnecessary enrollment is gone.

Why Personal Benefits Plans are More Cost Efficient and Cost Effective.

You no longer have to buy a health policy for your whole group based on the sickest

person in your group.

Personal Benefit Plans are scalable, meaning that you can set the amount

you deposit into each persons’ Benefits Savings Account depending on their individual needs. There

are no discrimination rules, so you can do what makes sense for each

person, and your business.

Federal Subsidies: Premium tax credits and cost sharing reductions that reduce out-of-pocket medical expenses do two important things:

They reduce premiums now

They insulate you from premium increases in the future, because subsidies are based on income, not insurance premiums

Let AHR get you out of this dynamic...

Have increased over 172% over the last 15 years.

Increased FASTER than inflation.

It’s the fastest growing expense faced by businesses to date.

Group Health Insurance Premiums:

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (Apr. To Apr.), 1999-2012; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2012 (Apr. to Apr.).

…And Simplify Your Life.

HAVE A PRO MANAGE YOUR BENEFITS

We help you set a budget, & we take care of the rest. Benefits simplified.

Reduce or eliminate future rate increases.

Never go through the turmoil of changing health plans again!

Single Check Solution: write 1 check to AHR, & we pay all of the voluntary & other related employee benefits for you.

Eliminate the administrative & regulatory hassles of having a group plan. No COBRA, no reporting, no worries.

And most important: Employee satisfaction.

Everyone gets what they want, and you no longer have to choose for

them!

To Get Started, This Is What We’ll Ask Your Employees

This Is What We Will Show You

An “apples to apples” comparison between the cost of your current group health

insurance, including employee out-of-pocket expenses, & the

cost of a Personal Benefits Plan.

AHR Provides Comprehensive Value To You & Your Employees

©American Health Resources, Inc. 2015 – Patent Pending

K E Y A N A LYS I S & G U I DA N C EThe PBP Analysis tool is HOW you analyze the whole picture, including: Group vs. Individual Impact of additional income on subsidies Actual tax effects, based on real effective income tax rates Employee out-of-pocket medical expenses

Give your prospect an ‘apples to apples’ comparison to group health insurance, & determine HOW MUCH to give each employee, net of taxes, while maintaining

HIPAA compliance & financial confidentiality.

AHR Provides Comprehensive Value To You & Your Employees

©American Health Resources, Inc. 2015 – Patent Pending

I M P L E M E N T I O N & S U P P O RTEDUCATE & HELP with individual policies on the exchange.

MANAGE new enrollments, changes, terminations.

Help employers REBALANCE compensation at plan renewal dates .

AHR Provides Comprehensive Value To You & Your Employees

©American Health Resources, Inc. 2015 – Patent Pending

R EG U L ATO RY CO M P L I A N C EThe RULES for group plans are complex & the PENALTIES for noncompliance are

severe.

AHR makes sure their plan stays compliant.

AHR Provides Comprehensive Value To You & Your Employees

©American Health Resources, Inc. 2015 – Patent Pending

P L A N A D M I N I S T R AT I O NPROVIDE HSA’s or FSA’s:

These are often part of the solution in a consumer-directed benefits plan.

MONITOR health plans & out-of-pocket costs to ensure that additional compensation is adequate and appropriate.

We’ll provide the analysis for free, so that you can make an informed decision.

If you choose to move forward, we will help each employee make the transition and provide expert, ongoing support .

There is no downside.

This information will help you to choose the most cost-effective way to provide employee benefits.

Regardless of what you decide to

do, at least you will know you’ve made an informed decision.

©American Health Resources, Inc. 2015 – Patent Pending

AHR Is Committed To Our Clients

AHR takes more care of small & mid-market clients than any other provider, offering a personalized ‘concierge’ benefits experience that includes a unique combination of technology innovation, expert advice (from specially trained independent insurance brokers) & dedicated customer service. This gives our clients and their employees the freedom to choose the most personalized and hassle-free benefits plan for them and their employees. We’ve been helping employers for over 20 years, and our passion is making benefit choices simple, pleasant and easy for both you and your employees.

Thank You!

Broker Contact Information

Health Insurance with a Human Touch.