Home Health Care Insurance Plan - Alabama
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1 Kemper Senior Solutions Welcome! Just dial , then 8754# when prompted. Home Health Care Insurance Plan - Alabama Today s Webinar: Kemper- A History of Excellence Home Health Care Plan HHC & HHC Aide Benefits Prescription Drug Reimbursement Basic Rates Optional Benefit Rider & Rates Triggers, App. & Forms Guaranteed Issue Whole Life Plan Plan Highlights & Details A Few Rate Examples Application & Forms States Approval Update 1
2 1/17/2017 Home Care Insurance Plan Alabama Forms 2
3 Outline of Coverage - Alabama Kemper Senior Solutions Home Health Care Coverage - Alabama Kemper s Home Health Care Benefit: $150 maximum benefit per day for 360 days is equivalent to $54,000 maximum benefit. (You can sell 2 policies to same person!) Since this is an indemnity plan it will pay out even if Medicare or other health insurance pays! Home Health Care Aide Benefit We will pay, subject to the policy provisions and limitations, a daily benefit of $40 for each day (60 days maximum) you require the services of a Home Health Care Aide immediately following a hospital confinement of not less than three days*...$2,400 maximum benefit. * 0 Day Confinement in: IA, LA, MD, MI, MO, NV, PA, SC, SD, TN, TX, UT & WV. 3
4 Kemper Senior Solutions Home Health Care Indemnity Benefits What is Covered? A benefit is paid each day you receive the following services in your home from an Approved Home Health Care Practitioner, up to a daily maximum benefit of $150. Skilled Nursing Care (RN). General Nursing Care (LPN or LVN).. Physical Therapy. Speech Pathology.. Occupational Therapy. Chemotherapy Specialist Services. EnterostomalTherapy $ 75 $ 60 $ 75 $ 75 $ 75 $ 60 $ 50 Respiration Therapy. $ 50 Medical Social Services. $ 100 Subject to the policy provisions and limitations Kemper s Home Health Care Rx Drug Benefit* Retail Cost of the Rx Drugs: $ Nasal Spray 1 $ Nasal Spray 2 $ Z Pack. $ Total Retail Cost Deductible. $ Total minus Deductible X 80% Kemper pays 80% after $50 Deductible $ (Client would receive $250.00!) * Benefits may vary by state, for example, no deductible / $25 per Rx / $300 Max. in LA, MD, NV, PA, SC, TN, UT & WV. 4
5 Kemper s Home Health Care Rx Drug Benefit Kemper s Home Health Care Coverage is Affordable Sample Premium Example: Ages Basic Plan: $ Annual Premium $ Rx Drug Benefit. $ Effective Yearly Expense $ 7.41 Effective Monthly Expense 5
6 Buckets HHC Basic Benefits 1 2 Sample Premium Chart - Same Premium *Note: Premiums Go Up With Age. $.78 Per Day $.94 Per Day 6
7 Home Health Care Indemnity Policy Optional Benefit Rider Insurance Benefits Provided by Reserve National Insurance Company Optional Benefit Rider - Alabama Annual Physical Exam 7
8 Optional Benefit Rider - Alabama Vision Optional Benefit Rider - Alabama Hearing Benefit 8
9 Optional Benefit Rider - Alabama Ambulance Optional Benefit Rider - Alabama In-Hospital Private Duty Nurse Benefit 9
10 Buckets HHC with Optional Benefit Rider Sample Premium Chart - Same Premium $1.05 Per Day $1.34 Per Day* * $ $250 Rx = $ or $.64/day! 10
11 Items to Note policy triggers A policy owner qualifies for Benefits if they: Cannot perform two or more of the A.D.L. s (eating, bathing, dressing, toileting, transferring) or, Have a Cognitive impairment (such as Alzheimer s or Dementia) Restoration of Benefits The Restoration of Benefits provision fully restores the Maximum Benefit Period of the Home Health Care Benefit if the Covered Person has used all or a portionof the client s Maximum Benefit Period, and then: Does not receive or require Home Health Care or Home Health Care Aide Services for 180 consecutive days; and The Covered Person s Physician certifies that the Covered Person has recovered to the point of not requiring Home Health Care or Home Health Care Aide Services. There is no limit for the number of times the Maximum Benefit Period can be restored in a covered person s lifetime! 11
12 Home Health Care Indemnity Policy The Application Alabama Insurance Benefits Provided by Reserve National Insurance Company Alabama HHC Application There is a simple and easy to use Client Application. Here is how it works Guaranteed Issue Whole Life only Home Health Care Indemnity only Insurance Benefits Provided by Reserve National Insurance Company 12
13 Alabama HHC Application Alabama HHC Application 13
14 Alabama HHC Application Alabama HHC Application Date of Application can only be selected when paying annually. Date of Issue is determined by home office. Other: Future date selected by Payor usually the requested draft date on a monthly. If someone other than the proposed insured signs, Power of Attorney paperwork will be needed. 14
15 Alabama HHC Application Home Care Insurance Plan Medical Notice You Can Send Your Applications to AIM/GC, or send them direct to: Kemper Senior Solutions PO Box 9965 Austin, TX
16 Kemper Senior Solutions Guaranteed Issue Whole Life Insurance Plan Whole Life Plan Forms 16
17 Kemper Senior Solutions Guaranteed Issue Whole Life Insurance Plan Highlights & Details*: Guaranteed Issue NO Health Questions Issue Ages (40-75 in MO) Benefit Choices of $2K, $3K, $4K, $5K, $7.5K, $10K, $15K, $20K or $25K Non-accidental death during the first 2 years pays 120% premiums paid Accidental death anytime or non-accidental death after 2 years pays full Same premium for tobacco vs. non-tobacco Premiums guaranteed for life and non-cancellable for life Guaranteed cash values that can be borrowed against to pay premiums * This is a brief description of benefits only benefits and policy provisions may vary by state. Sample Life Premium Chart Male Rates Female Rates 17
18 Guaranteed Issue Whole Life Insurance Plan The Application Insurance Benefits Provided by Reserve National Insurance Company Life Application There is a simple and easy to use Client Application. Here is how it works Guaranteed Issue Whole Life only Home Health Care Indemnity only Insurance Benefits Provided by Reserve National Insurance Company 18
19 Life Application Life Application Joshua Miller Son 03/08/ Anystreet,, His City, Iowa
20 Life Application Date of Application can only be selected when paying annually. Date of Issue is determined by home office. Other: Future date selected by Payor usually the requested draft date on a monthly. If someone other than the proposed insured signs, Power of Attorney paperwork will be needed. Life Application 20
21 Home Care Insurance Plan Medical Notice You Can Send Your Applications to AIM/GC, or send them direct to: Kemper Senior Solutions PO Box 9965 Austin, TX States Approval Update HHC Plan (Life = All but CA, NY & RI) HHC Not Filed: CA NY RI Approved Pending Not Filed PENDING: AK CT* DE FL* HI ME MA* MN* MT NH* NJ ND OR VT WA WI * Educated Guess = Long Shot 21
22 Your Support Team Thank You! American Independent Marketing GoldenCare USA
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