THRIVENT HEALTH PRODUCT PORTFOLIO

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1 2018 THRIVENT HEALTH PRODUCT PORTFOLIO Welcome to LeClair Group. We are pleased to be Thrivent s preferred third-party brokerage for health insurance products, giving Thrivent FRs the opportunity to bring health insurance to their clients. This product portfolio, endorsed by Thrivent, has been developed with the successful advisor in mind, providing only the best products in each health insurance category. Here for you. Better together. LeClair Group is the people s company. We lead in health and life insurance brokerage services, support, IT and education to thousands of advisors across the United States. LeClair Group 1 LeClair Center 6701 Upper Afton Road Saint Paul, MN Thrivent@LeClairGroup.com

2 Thrivent Approved Carrier Grid for Health Insurance Aetna* Ameritas CARRIER Anthem (BC of WI)* Blue Cross and Blue Shield of MN Blue Cross and Blue Shield of ND Cigna GeoBlue Medicare Advantage Medicare Supplement Part D Plans Major Medical PRODUCT TYPE Group Medical Indemnity & Accident Critical Illness Dental & Vision Short Term Medical HealthPartners Humana HumanaOne The IHC Group IMG LifeSecure Medica Molina HealthCare National General SilverScript UCare United HealthCare United HealthOne Global Travel *Aetna and Anthem Blue Cross formerly offered individual major medical plans to Thrivent reps in several states. However, these carriers are leaving the individual market in all states as of 12/31/2017. For quotes, support or assistance with getting appointed with any of the approved carriers in this catalogue, contact LeClair Group at Thrivent@LeClairGroup.com or (877)

3 Thrivent-Approved Carrier Summaries Blue Cross and Blue Shield of Minnesota Geographic availability: Minnesota Individual major medical Medicare Supplement* Medicare Advantage Medicare Part D Dental and Vision Small Group Blue Cross and Blue Shield of Minnesota is not-for-profit and the largest health plan in Minnesota. Many of their plans have access to the national Blue Cross PPO network, giving your clients peace of mind when they choose BCBS. With comprehensive options in the individual, small group and Medicare markets, BCBS is a key carrier for agents. BCBS provides Medicare to over 50% of eligible clients in the Minnesota market. As a Preferred General Agency for Blue Cross and Blue Shield of Minnesota, LeClair Group will provide the highest level of training, product knowledge and customer support. *Thrivent FRs can only sell Medicare Supplements from this carrier in states where Thrivent does not have its own proprietary Medicare Supplement product, or if the proposed insured is not eligible for Thrivent membership. Cigna Medicare Supplement* Cigna is a global health service company, headquartered in Connecticut. Using their subsidiaries, American Retirement Life and Loyal American Life, they currently feature some of the very best rates on Medicare Supplements. Cigna offers Medicare Supplement plans in most states, including Minnesota, Florida and Georgia. The flagship Cigna Medigap plan was recently redesigned and is winning high praise for its pricing and service standards. The CIGNA Medicare Supplement plan has different names in different states. Visit the Cigna website or consult our team at LeClair Group for more information. *Thrivent FRs can only sell Medicare Supplements from this carrier in states where Thrivent does not have its own proprietary Medicare Supplement product, or if the proposed insured is not eligible for Thrivent membership. Thrivent-Approved Carrier Summaries

4 Humana / HumanaOne Medicare Advantage Medicare Part D Dental and vision insurance Critical Illness insurance Small group Founded in 1961, Humana Inc. is a for-profit health insurance company based in Louisville, Kentucky. Humana has been a leader in the healthcare industry for employers, employees, and individuals by offering coordinated health insurance coverage. HumanaOne provides under 65 ancillary and short-term insurance, whilst Humana delivers Medicare Advantage plans for the senior market. Humana also provides Medicare Advantage plans without drug coverage. These plans can be an important option for Military Veterans, Union retirees or others that already have access to creditable drug benefits. UnitedHealthCare / UnitedHealthOne Medicare Supplement* Medicare Advantage Medicare Part D Short Term Major Medical Insurance (UHC is a national leader, with product in 35 states) Dental and Vision insurance Critical Illness Insurance Hospital indemnity (UHC has a new and very generous plan in this growing market) Accident insurance Small and large group UnitedHealthcare (UHC) is committed to improving the health care system. It is number 17 on Fortune Magazine s top 500 companies in the United States. UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the country. UHC provides Medicare Advantage and Medicare Supplement plans, including their line of AARP Medicare products. The AARP plans, only available thru UHC, are very popular with 96% of people surveyed saying they are happy with their plan. UnitedHeathOne (UHOne) focuses on ancillary, short term and ACA alternative products. The UHOne Protector Guard series offers everything from prevention, accident, illness and surgical coverage and is one of the most comprehensive ACA alternatives on the market. UnitedHealthCare and UnitedHealthOne provide plans in all market segments. As agents become familiar with UHC they find that the carrier s offerings are a great one-stop shop for health insurance in almost all states. *Thrivent FRs can only sell Medicare Supplements from this carrier in states where Thrivent does not have its own proprietary Medicare Supplement product, or if the proposed insured is not eligible for Thrivent membership. Thrivent-Approved Carrier Summaries

5 UCare Geographic availability: Minnesota Medicare Advantage Under 65 individual and family (only on exchange) UCare plans are known for broad networks, attentive service, and low prices. Originating in Minnesota, UCare has a great reputation for customer service. With UCare, Thrivent FRs are well prepared for the coming Medicare market changes in Minnesota. UCare also provides Medical only MA plans appropriate for Veterans and those with creditable drug. Advantage plans are based on local or regional networks. Consult our team at LeClair Group to find Ucare s plan offerings in your area. UCare is an independent, non-profit company in MN with over 300,000 members. SilverScript Medicare Part D SilverScript is owned by CVS Corporation, and was the first insurer in the Part D program in SilverScript has insured more individuals into Part D than any other carrier. Standalone Part D plans are specifically designed as an addition to original Medicare or a complement to Medicare supplements. It is important that Medicare supplement clients are invited to sign up for a Part D plan to ensure they do not become liable for a late enrollment penalty (LEP). SilverScript has two plans: Choice and Plus. Choice has a preferred network of more than 25,000 pharmacies, and Plus has a preferred network of over 35,000 pharmacies. For clients likely to enter the donut hole the Plus plan may offer greater coverage during this period. The SilverScript Part D plans have no deductibles, which is appealing to Medicare buyers and may result in the lowest net costs for the member. SilverScript is accepted by over 60,000 pharmacies including all major chains. Thrivent reps can write Medicare Part D plans in 50 states to complement Medicare Supplements with this specialized carrier. Thrivent-Approved Carrier Summaries

6 Blue Cross and Blue Shield of North Dakota Geographic availability: North Dakota Individual Major Medical Medicare Supplement* Small Group Blue Cross and Blue Shield North Dakota is the state s largest health insurance provider, serving more than half of North Dakota s population. Thrivent FRs can write a variety of Blue Cross products for their North Dakota members only. *Thrivent FRs can only sell Medicare Supplements from this carrier in states where Thrivent does not have its own proprietary Medicare Supplement product, or if the proposed insured is not eligible for Thrivent membership. HealthPartners Geographic availability: Regional - Minnesota; Western Wisconsin; Iowa Individual Major Medical (MN & WI, on and off exchange) Medicare Advantage (MN & IA) Small Group (MN) HealthPartners was founded in 1957 as a cooperative. It s the largest consumer governed nonprofit health care organization in the nation, serving more than 1.8 million medical and dental health plan members nationwide. Medica Geographic availability: Regional - Minnesota; Western Wisconsin Individual Major Medical (MN, IA, WI, ND, SD, KS, NE). In some states, Medica is the only insurer offering product for Medicare Advantage (MN) Medicare Cost Plans (MN & WI) Medica s vision is to become the community s health plan of choice, trusted for their integrity, respected for their service and admired for their commitment to innovation and efficiency. Medica has been expanding U65 coverage whilst many carriers are withdrawing from markets. With new Medicare Advantage plans in MN for Their popular Medicare Cost plans will still be available in 17 Counties in MN and throughout Western Wisconsin for the foreseeable future. Thrivent-Approved Carrier Summaries

7 Molina Healthcare Geographic availability: Select states - California; Florida; Michigan; New Mexico; Ohio; South Carolina; Washington and Texas. Individual Major Medical Molina Healthcare, a multi-state health care organization, arranges for the delivery of health care services and offers health information management solutions to nearly five million individuals and families. Within the states listed above, Molina sells in selected counties and only sells on the health care exchanges. Always check on under 65 coverage availability before discussing options with your clients. National General Short Term Medical (in 43 states, including guaranteed issue plans) Dental Insurance Critical Illness Hospital Indemnity Accident Insurance Small Group Health, including self-funded plans National General is the new owner of what Thrivent reps knew as Assurant, which left the health business in National General focuses on Ancillary insurance to help clients cover out of pocket health care costs. With today s higher deductibles and out of pocket expenses, many agents are working with their clients to insure these financial risks. National General are market leaders with their level funded small group plans. Their product is focused on providing affordable options for clients in the small group market. Agents interested in offering level funded plans should discuss these plans with the LeClair Sales desk team to ensure they understand the features and risks of a level funded plan. Thrivent-Approved Carrier Summaries

8 IHC Group Metal Gap ACA deductible coverage Short Term Medical Critical Illness Dental IHC policies offer easy, online enrollment. The customer has their plan document, insurance card and valid insurance via the moment their application is complete. Thrivent reps have an excellent source for short term medical across the nation and one of few carriers with products filed in key states such as Minnesota and California. The IHC Metal Gap plans are designed to cover the ACA deductible with U65 major medical whilst providing an additional Critical Illness benefit. These plans especially complement high deductible individual and family plans. The benefit amount is fixed with the Metal Gap plans and aims to reflect current ACA deductible limits. IHC short term major medical is an important option for those in transition, setting up their own business or waiting to age into Medicare. Short Term Medical is not ACA coverage. Independence Holding Group is a conglomerate of eight companies in the ancillary benefits field. LifeSecure Hospital Indemnity (to help cover high deductibles) Accident Insurance LifeSecure s plans are important in that they cover work and play. Workplace coverage can provide peace of mind to individuals, families and seniors. Accident plans provide a cash reimbursement to cover deductibles and out of pocket medical expenses. The reimbursement can be used for any purpose and does not coordinate with health insurance benefits. Accident plans are popular with individual and families living active lives that want protection from the financial risk of today s high deductible medical plans. Hospital Indemnity plans provide a per diem cash sum. This can be used to pay for any out-of-pocket medical or lifestyle expense. Expenses and costs inevitably go up, not down, when in hospital. Accident and Hospital plans with LifeSecure are available to age 74 and are popular alongside U65 and Medicare coverage, especially in the early active years of retirement. The benefit amount for either plan can be adjusted to fulfill any out-of-pocket expense your client wishes to cover, up to a maximum of $25,000. LifeSecure is a wholly owned subsidiary of BCBS of Michigan.

9 Ameritas Dental Vision Ameritas offers a competitive array of individual dental and vision insurance. Ameritas Life Insurance Corp. and its affiliated companies have a proud and rich heritage dating back to the late 1880s. Ameritas dental and vision insurance provides first day cover, free preventative services, an average of 30% network discounts and insurance that significantly reduces the cost of oral health. With great networks and competitive pricing, agents can easily quote and enroll clients using Ameritas s online tools. Ameritas dental coverage is priced the same for all ages, making dental insurance an especially great value for your senior clients. Thrivent reps can sell dental and vision insurance for Ameritas in all 50 states. GeoBlue Health insurance for travel abroad Health insurance for schools, mission trips or corporations travel abroad programs Health insurance for foreign nationals who come to work in America Most health plans do not have adequate overseas travel insurance; that s where GeoBlue comes in. GeoBlue provide high quality single or multi-trip travel insurance and helps fill the gaps in Group, Individual and Medicare coverage. Whether if it s a 2-week vacation or a 2-year assignment, GeoBlue has you covered with higher maximum benefit health insurance and and a state-of-the-art mobile technology. GeoBlue has networks in 190 countries, a 24-hour concierge, direct payments to network providers, repatriation for treatment or if a death occurs. GeoBlue is backed up by the Blue Cross and Blue Shield PPO network. Complement your individual and Medicare sales by introducing your clients to the security of GeoBlue. GeoBlue is affiliated with Blue Cross and Blue Shield plans across the nation.

10 International Medical Group Health insurance for travel abroad Health insurance for schools, mission trips or corporations travel abroad programs Health insurance for foreign nationals who come to work in America IMG is a specialized international travel insurance plan. For more than 25 years International Medical Group (IMG) has provided global benefits and assistance to millions of members across the world. IMG Travel Medical plans are ideal for mission trips and travelers of all ages. IMG Global issues health insurance worldwide. Policies are renewable up to 24 months for policies up to $2M. IMG Global has been a leader in this field since Special Resources for Thrivent FRs More sales tools and resources are available on the LeClair Group Advisor Advantage Website. The website is available to Thrivent Financial Reps 24 hours a day, and includes: Carrier updates Sales quoting tools Medicare quoting engine Access to carrier portals Training and continuing education opportunities LeClair Group Contact Information For quotes, support or assistance with getting appointed with any of the approved carriers in this catalogue, contact: LeClair Group 1 LeClair Center 6701 Upper Afton Road Saint Paul, MN (877) Thrivent@LeClairgroup.com