1. Complete Care Plus Dental, Vision, Prescription, Accidental Medical, Disability Income Protection, AD&D, Medical Air Travel Asst, And Consumer Services Guaranteed Acceptance!

2. Member Benefits

Accidental Medical up to$5000per occurrence per family member

DisabilityIncome Protection$500 per month 30 day elimination period

Accidental Death & Dismemberment$10,000

Multi Tired Dental Plan

Vision

Tiered Prescription $10 and $20 co-pay

Medical Air Travel Assistanceup to $100,000

24 Hr Roadside assistance

24 Hour Nurse Hotline

Gift Card Program!

Carperks Buying program!

And Much More!

3. Multi Tiered Dental Plan

No waiting periods

No pre existing limitations

No co-pays

No deductible

No claim forms

Immediate access to benefits

Free exams

Free X-rays

Guaranteed Acceptance!

4. Multi Tiered Dental Plan

By using the Preferred Providers (tier one dentist) clients receiveFree Exams andFree X-rays(unlimited ).All other services are availableimmediatelyat a set fee schedule from the provider. By having a fixed pricing plan, consumers know exactly what there out of pocket is for any procedure. The payment goes directly to the dentist withNo claim forms, co-pays, or deductibles . Forexample , aRoot Canalaverage price range of$900-$1200will cost$268 . Thats withNo waiting period or pre-existing condition limitations .In comparison to a typical PPO style plan. Root Canal, same cost $900-$1200. Waiting periodtypically 12-18 monthsand benefits usually paid at50% after a $50-$100 deductible . So after waiting at least a year to have the procedure done the client would pay between $500-$700.Even Orthodontia is covered right away , cost of child up to age 16yrs is$2951start to finish!

5. Multi Tiered Dental Plan

There are approximately 16,000 providers in tier one. Theres an additional 17,000 providers in tier 2, combined you have access to over 30,000 providers nationwide. The only difference between tier 1 and tier 2 providers is they dont provide the free exam and x-rays, the fee schedule remains the same. Providers can be searched with the following link, http://locator.memberproviders.com/locator.aspx?searchtype=1&subsearch=0

In the event there are no tier one or two providers available a third tier of providers is available. They again do not provide the free services but the fee schedule is plus or minus approximately 5%. This network is part of theAetna Dental networkand hasover90,000 providersnation wide. You can search for tier three providers with the following link. http://uhp.a1dentallookup.com/

A sample fee schedule is provided for you in the next slide.

For questions or help with locating providers

Consumers can call800-292-3797

6. Sample fee schedule Tier three 7. Tiered Vision Plan

Vision Benefits are accessed through two providers ECI(eye care international) and QVN (quality vision network) Both networks have tier 1 and tier 2 providers. With ECI tier one providers allow 1Freeexam per year with purchase of glasses, if required(no charge if not required).With QVN oneFreeexam per year with purchase of glasses, if required(if not required there will be a $25 charge).You can search for providers with the following link, this will also indicate which tier the providers participate in.

http:// locator.memberproviders.com/locator.aspx?searchtype=2&subsearch=0

Tier 2 providers from both ECI and QVN will give 10-50% off all services, but no free exams. For questions or help with locating providers Consumers can call800-292-3797

8. Tiered Vision Plan

In addition clients will receivespecial pricingfor contacts, lenses, frames, andsunglassesatwww.coastalcontacts.com They just enter thecoupon code QVNand they will instantly receivean additional 10-30% offsome of the lowest prices availableanywhere . They have designer glasses starting at just$38 . This will give clients substantial savings on eye wear, not available at any retail outlet.Designer sunglasseslikeGucci, Kate Spade, Ray Ban, Oakley ,from$74 to $99.

9. 3 Tiered Prescription Plan

This Drug program is accepted at over50,000 participating providers nationwide , includingALL the national chains!

Simply present your card at the pharmacy and pay aMAXIMUMof$10for tier one drugs and a$20for tier two. There are over3100drugs in tier one and some are aslow as $4.More than6000medications are covered in tier 1 and 2 combined. The third tier has more than20,000medications available at special negotiated rates for our clients. The average discount in the third tier is48% off of the retail price . So no matter what medication you clients are taking, they will see substantial savings.

10. Accidental Medical Insurance

Covers unpaid medical expenses up to$5000foreachfamily memberper occurrence , due to injuries and accidents! Perfect for people with high deductible health plans or no health insurance at all.Especially valuable for families!

The plan will cover necessary treatment by a physician, nurse,dentist,hospital both in and outpatient, emergency room, ambulance, drugs, diagnostic test, x-rays, durable medical equipment, and more. You can useANYDoctorANYHospital,Pays directly to the client , only a $100 deductible applies.

Useanydoctor, hospital, or emergency room. Pays directly to you unless you assign to a provider

11. Accidental Medical Insurance

Example of claim. Bike accident falls and breaks leg.

Ambulance$1000

Emergency Room $1200

Doctor and nurse charges $500

Medication in ER $250

Prescription$90

Material charge (casting) $400

Crutches $75

Follow up doctor visit $150

Cast Removal $300

Total =$3965.00

Client receives check for $3865.00

12. Disability Income Insurance

Benefit pays $125/ Week

$500 per month

Benefits are paid up to180 days

Only!30 day eliminationperiod

Helps maintain financial stability in times of need. This benefit is for the Primary Applicant Only.

13. Accidental Death & Dismemberment

If you are injured in a covered accident and the injury causes death or dismemberment within 365 days, the insured or the beneficiaries will receive$10,000 . This benefit covers theEntire family !

14. Medical Air Travel Assistance

As a member, you have access to a worldwide network of medical and travel assistance personnel whenever you travel. Travel Assistance and Emergency Medical Evacuation Services are available when you are traveling over 100 miles away from home and you are faced with a serious injury or illness or a travel related emergency. This benefit is sold by travel agents for $50-$75 per trip. To access benefits call 888-965-9500

15. Medical Air Travel Assistance

Emergency Medical Evacuation

Medically Necessary Repatriation

Transportation of Mortal Remains

Transportation of Escort

Family Visitation

Minor Child or Children Return/Escort

Vehicle Return

24 Hour Information Service

Medical Monitoring

Medical Referral

Guarantee of Medical Expenses

Insurance Coordination

Lost Document Service

Legal Assistance

Emergency Delivery of Prescription Items

Emergency Cash Transfers and Advances

Language Assistance

16. Consumer Services

24-Hour Nurse Hotline

ITC-50 Discount Hotel Program

Association Travel Club

Savers Club Book

24 hour Roadside Assistance

Carperks Buying Network

Gift Card Program

Vitamin Discount

HopTheShops.com

Office Supplies Discounts

UPS Express Delivery Services

DHL Express Overnight Delivery Services

Customized Web Services

ADP Payroll Processing

17. 24-Hour Nurse Hotline

In an effort to assist our members to become more informed about their healthcare, the Association is pleased to offer a telephone service that allows members to ask questions and receive information about their health, illnesses and medications.

Members haveunlimited accesstoregistered nursesvia a toll-free number 24 hours a day, 365 days a year. These nurses are specially trained to offer prompt, confidential medical counseling to help members make informed decisions about their health and the medical care they receive. However, our nurses do not diagnose or provide treatment.

The services include:

Toll-free, confidential availability to registered nurses 24 hours a day at 1-800-982-2401

18. 24-Hour Nurse Hotline

Access to a library of audio tapes on over 700 health topics found in the Nurse Helpline Booklet. Please call Member Services at1-866-215-1376 to request a booklet

Information about self care techniques for common symptoms.

Explanations on what to expect during a medical test

Help from a registered nurse who can answer questions regarding: - Diagnostic and surgical procedures

A recently diagnosed medical condition

Prescription and over the counter medication information

19. ITC-50 Hotel Program

Whether you plan to stay at a hotel, a motel or a resort for a night, a week or more, your association membership qualifies you for International TravelCard (ITC-50) savings.

ITC-50 saves you 50% off the regular non-discounted room rate at participating hotels ITC-50 has made special arrangements with over 4,400 hotels and motels throughout the United States and abroad, ranging from first-class properties to family-style and budget motels. Youll still enjoy the same quality service and accommodations as those paying regular room rates.

Heres How the Discount Hotel Program Works:

Order your ITC-50 Discount Hotel Directory. Simply complete and send theITC-50 Discount Hotel Directory Request Form .

Select a participating hotel and call to make your reservations. Call the number listed in the directory to make your reservation (you must make your reservation directly with the specific property, not through a travel agency). Tell the reservationist that you are an ITC-50 member.

Show your association member card with the ITC-50 logo on it when you check into the hotel. Your membership and ITC-50 savings will be verified when you check into the hotel or motel.

Enjoy immediate savings. The rate you pay will be 50% of a non-discounted room rate or the regular published rack rate, subject to availability.

Participating hotels include: Doubletree, Marriot Suites and Hotels, Fairfield Inn, Ramada Inn, Hilton, Red Roof Inn, Sheraton, Hyatt, Wyndham, and many more!

20. Savers Club Book

Everyday savings are right at your fingertips! With your membership, you can get a free copy of our popular Savers Club Book, containing thousands of discount offers. Use it across the country or close to home.

By using your book, you can:

Save at the countrys most popular theme parks and recreation destinations.

Save at the box office. Get reduced ticket prices at the nations largest movie theatre chains.

Save up to 50% off the rack room rates at more than 4,400 participating hotels, motels, and inns worldwide.

Save on retail services like floral, automotive, health and beauty, dining and shopping.

Receiving Your Savers Club Book is Easy Simply fill in and mail the order form . Once you receive the current years book, you can order next years edition by using the re-order form located in the book or by calling1-800-251-2311.

21. 24-Hour Roadside Assistance

Association Members can gain peace of mind on the road by registering for Emergency Roadside assistance. Once registered, you will receive emergency roadside assistance membership materials including membership cards that will enable you and your family to get assistance from a participating service provider whenever car troubles arise.

You will be covered for the first $50 per occurrence for each covered emergency expense, including towing, flat tire assistance, battery service and lock-out service.

You are responsible for paying providers directly for any charges over $50 per occurrence and for any non-covered expenses. Payment is required at the time services are rendered. To be eligible for coverage, you must register in advance of using the service and receive your roadside assistance membership cards. Only one service call for the same cause will be covered during any seven-day period.

To register, simply call Member Services at1-866-215-1376 . Road America will send you a membership kit detailing the services of the program.

22. Gift Card Program

Enjoy the convenience of buying a gift without any worries or hassles. Perfect for a friend, relative, or the person who has everything, gift cards make great presents and can be used most any time. With this valuable savings benefit, you can purchase gift cards worth $25 while enjoying a discount off the face value of each card. Discounted Gift Cards are available for well-known clothing boutiques, department stores, restaurants and more. Youll enjoy savings on gift cards from participating merchants nationwide!*

*Gift card/gift certificate purchases limited to a total of 500 cards annually. Participating merchants may change at any time without notice.