Life Is Complicated. Selling Benefits Doesn’t Have To Be.

©2015 American Health Resources, Inc. Patent Pending

Personal Benefits Plan

What is the Personal Benefits Plan?

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

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, and help each employee

choose their own benefits package. It’s

that simple!

Here’s How It Works…

1. Use our online analysis tool to calculate the costs and savings for each

employee’s health benefits, based on real market data and actual employee

needs.

2. Based on that, advise the employer how much to deposit into each employee’s Benefits Savings

Account with AHR each month.

3. 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!

It’s Smart, Simple, and Hassle Free!

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:

It eliminates the waste inherent in group

health insurance and improves employees

satisfaction.

In the under 50 Employee Market, Personal Benefit Plans are a Better Solution.

Growth & Retention

Employee Satisfaction & Retention

Plan Stability & Simplicity

Cost Efficiency &

Effectiveness

Employees overwhelmingly prefer to choose their own personal benefits packages over group health insurance.

Once your clients shift to a Personal Benefits Plan, their benefits problem is solved. They don’t have to worry about group health insurance again.

Personal Benefits Plans are more cost efficient, & provide insulation against insurance rate increases. For most employers, these plans cost substantially less than group health insurance.

But YOU are the Key. Your Personalized Help in Choosing Benefits is Essential to Employees.

Choice is bewildering and insurance is confusing to many employees. That is why you are absolutely essential. Your knowledge and expertise makes choosing insurance easy. As their Personal Benefits Advocate, you can 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, including voluntary

The doctors & hospitals they want

The insurance companies they prefer

It’s health insurance with your touch, making benefits choices simple, pleasant and easy for your clients and employees.

Personal Benefit Plans are a Much Better Solution for Brokers, too.

Sell Throughout The Entire Year

Simply because terminating group coverage is a qualifying event.

Enhanced Income Our “Set your Own Commission” approach means that you set your PMPM commissions on each case. Plus, you get 2 revenue streams: your insurance commissions, and AHR commissions. You can earn

more on each case than you could by selling group health insurance.

Cross-selling One-on-one time with each

employee means you get to present all of the products you sell, including

voluntary, financial planning and P&C.

Eliminate BOR RiskYour commissions from AHR are by

contract and can’t be assigned without your approval. And it’s virtually

impossible for a competing broker to get BOR reassignments on each

employee’s individual policies.

Easy RenewalsRenewals are incredibly simple and

efficient. Just meet with the employer to adjust Benefit Savings Account deposit

amounts as may be needed, and that’s it!

AHR Will Support You Every Step Of The Way.

Selling a Personal Benefits Plan and individual policies is a little different than selling group insurance. You are going to need some training and support.

We will train you, for free. In a live, interactive, online session conducted by a professional

benefits educator. It takes about 3 hours to complete.

We will provide you with access to our online Personal Benefits Plan

analysis tool, for free. You will be able to show your

prospective clients exactly how much they will save through a Personal

Benefits Plan.

We will provide you with sales and collateral materials, for free. You can customize them to meet your needs and fit your corporate

image.

We will provide you with an AHR Mentor, who will be your

resource for personal and ongoing advice, help and

support.

Once You Are Trained, This is What You Will Be Able to Show Your Prospects and Clients

An “apples to apples” comparison between the cost of their current group health insurance, including employee out-of-pocket expenses, and the cost of a Personal Benefits Plan, demonstrating:

Real Savings, Based On Real Numbers, And Better Benefits, Within a Vastly Simplified, Sustainable Plan.

It’s a pretty easy sell when everyone is getting what they want.

Together, This is What We Will Provide Your Clients

Analysis & Guidance

Implementation & Support

Regulatory Compliance

Plan Administration

Determine how much to provide for each employee, given each persons’ individual circumstances, while maintaining HIPAA compliance & financial confidentiality

• The rules for employee benefits are complex• The penalties for noncompliance are severe and very expensive.

• Complete plan administration & management, including all of the accounts you want: the Benefits Savings Accounts, as well as HSAs and/or FSAs if you need them.

• Monitor employee enrollment and expenses to ensure that your benefits budget remains appropriate

• Educate & help each employee pick their optimal individual insurance coverage• Manage new enrollments, changes, terminations moving forward• Help you rebalance your benefits budget at plan renewal dates

AHR Is Committed To Your Clients, And You.

AHR takes more care of small and mid-market clients than any other provider, offering a personalized ‘concierge’ benefits experience, that includes a unique combination of technology innovation (AHR Personal Benefits Plan analysis tools), expert advice (from specially trained independent insurance brokers) and dedicated customer service. This gives our clients the freedom to choose the most competitive and hassle-free benefits plan for them and their employees. We’ve been helping employers for over 20 years, and our passion is making benefits simple, pleasant and easy for both you and your employees. AHR also takes more care of our brokers. We give you personal support, let you set your own compensation, pay it promptly, do our best to help you find new clients, and we never compete with the broker community. Your clients are your clients. We are here to serve them, and you.

Thank You!

Health Insurance with a Human Touch.

Get started today! For more information, or to enroll in the next training session, give us a call!

American Health Resources

11 N. 2nd Avenue

St. Charles, IL 60174

800-570-3757

WWW.AHR.NET

Email: recruiting@ahr.net