MEDICAL ARTS INSURANCE. a Horton Group Company. Specializing in Professional Liability, Employee Benefits and Insurance for Health Care Providers

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1 MEDICAL ARTS INSURANCE a Horton Group Company Specializing in Professional Liability, Employee Benefits and Insurance for Health Care Providers

2 MEDICAL ARTS INSURANCE PROVIDES BEST IN CLASS SOLUTIONS FOR THE HEALTHCARE INDUSTRY In just over a quarter century, Horton has evolved from a small insurance agency to one of the leading brokerage firms in the country. Still, we have not lost sight of our entrepreneurial roots or our core strength helping growing, entrepreneurial companies address complex insurance, risk management and employee benefit issues. Insuring hospices, out-patient facilities, hospitals and over 1800 physicians in the midwest, MAI/Horton has emerged as one of the premier brokers servicing the unique needs of the health care industry. Our full service platform and team approach provides one contact for all of your insurance requirements. Working together to deliver seamless risk management solutions, our property casualty experts combine talents with our employee benefit professionals to facilitate a true holistic approach to all of your insurance needs. THE HORTON GROUP STRIVES TO OPERATE AS A BEST IN CLASS COMPANY While the largest public firms worry about pleasing shareholders, The Horton Group puts all of their focus on serving their customers. PROPERTY & CASUALTY / RISK MANAGEMENT MAI provides property, general liability, automobile, excess liability, workers compensation, employment practices liability, crime, fiduciary liability, professional liability and directors and officers insurance as well as many other products to our clients in a variety of healthcare settings. EMPLOYEE BENEFITS MAI helps explore all of your options insured, self-funded and consumer-directed alternatives. The goal is to help employers achieve a balance between cost management and employee satisfaction. We also understand the physician/owner dynamic and develop strategies to maximize capital deployment. INTERNATIONAL As one of 100+ privately-held Assurex Global partners we have access to talent and capabilities in more than 500 offices in over 70 countries. MAI/Horton has the resources to deliver costeffective risk management, insurance and employee benefit solutions anywhere in the world.

3 ALTERNATIVE RISK Specialized expertise has enabled MAI/Horton to create multiple group captive insurance companies. With loss ratios performing well below industry standards, success among our Captive groups is impressive. SAFETY CONSULTING AND LOSS CONTROL From employee orientation and training to facility inspections, MAI helps clients manage claims, facilitate appropriate return-to-work programs and incorporate safety into every aspect of their business operation. VOLUNTARY BENEFITS MAI helps companies improve morale and free up staff by offering well-designed, optional products such as individual life, short-term and long-term disability and supplemental vision, dental, critical illness and accident insurance. As one of the largest privately-held insurance brokers in the country, The Horton Group offers a comprehensive portfolio of products and services for the healthcare industry. Your business will not outgrow The Horton Group.

4 THE HORTON GROUP PROVIDES BEST IN CLASS RISK MANAGEMENT SERVICES Horton Risk Management Services manages risk for clients in a variety of industries, including construction, manufacturing, retail/wholesale, transportation, restaurant/ hospitality, municipal, health care and numerous specialty niches. Our capabilities range from securing basic insurance coverage to overseeing comprehensive risk management programs and providing advanced, specialized services. We help businesses lower the true cost of their risk by focusing on risk management, supported by the best claims advocacy, loss control and core insurance services available. The Horton Group s strong relationships with a large and diverse group of regional, national, and international insurance carriers enable us to develop customized insurance programs and negotiate the best terms and conditions for our clients. Furthermore, by utilizing Horton s full menu of resources, we are able to successfully address our clients needs and execute effective risk strategies. RISK MANAGEMENT CAPABILITIES & SERVICES Formalized Service Schedules Exposure & Coverage Reviews Alternative Market Placements Risk Transfer Consultation File Audit Services Contract Reviews Policy Form Comparisons In-House Attorney Service Experience Modification Reviews & Projections Unit Stat Re-Filing Service Smart Comp Reports Certificate Tracking/Managing Web-Based Certificate Processing Mergers & Acquisitions Due Diligence INSURANCE PROCUREMENT CAPABILITIES & SERVICES Property & Liability Automobile Umbrella & Excess Cargo/Marine Directors & Officers Liability Fiduciary Liability Captives Workers Compensation Garage Loss Sensitive & Large Deductible Programs Executive Risk Employment Practices Liability International/Foreign SAFETY CONSULTING CAPABILITIES & SERVICES Safety & Compliance Assessments Supervisory Safety Training Bilingual Training Capabilities Industrial Hygiene Services Written Safety Program Development Injury Prevention Programs Specialized Employee Safety Training OSHA, DOT & Regulatory Compliance Fleet Safety & Driver Training Work Area/Job Site Safety Inspections Worksite Wellness Programs CLAIMS MANAGEMENT CAPABILITIES & SERVICES Claims Advocacy/Consultative Services Detailed Loss Summaries Reserve Reviews Loss Ratio Analysis Reserve Analysis Litigation Oversight Return-To-Work Programs SURETY & FIDELITY CAPABILITIES & SERVICES Customized Contract Bond Programs Employee Dishonesty/Crime Bonds Miscellaneous Surety Bonds Niche Programs PROFESSIONAL CAPABILITIES & SERVICES Medical Malpractice Liability Specified Professional Liability Risk Management Seamless Risk Management

5 THE HORTON GROUP PROVIDES BEST IN CLASS EMPLOYEE BENEFIT SOLUTIONS ASSESSMENT & REVIEW Coordination of all The Horton Group activities relating to our clients employee benefits program Periodic review of market trends to ensure plan compliance PLAN DESIGN Plan design consultation and benefit benchmarking Benefit/cost analysis, including detailed claims and member behavior study MARKET ANALYSIS Renewal preparation with plan changes, alternative options, and cost impact summary Network disruption and discount analysis COMPLIANCE Communication with human resources or benefits personnel regarding benefits program issues Meetings with management or benefits personnel as requested and at agreed-upon regular intervals Legislative and regulatory updates provided, with communication regarding state and federal mandates Legal expertise from on-staff corporate attorney and retained ERISA attorney COMMUNICATION & ENROLLMENT Ensure accurate implementation of policy changes with carrier(s) Renewal contracts and plan summaries reviewed for accuracy Resources for COBRA, HIPAA, Section 125, and FMLA Simplification of administrative procedures using Broker Suite Solutions WELLNESS & HEALTH RISK MANAGEMENT Review and implementation of proven health cost containment support Activity-based incentive programs Total rewards Education-based communications The Horton Group has managed medical benefits programs for hundreds of employer groups in an effort to keep costs below comparable levels experienced by other employers. Our aggressive management technique includes medical management and preventive health initiatives. As the healthcare industry continues to change, The Horton Group has remained ahead of the game. With leading-edge technology, we are able to obtain meaningful information that helps us evaluate cost drivers, trends, and savings opportunities associated with our clients medical benefits. In addition, we work to evaluate the impact of various plan management initiatives and to forecast the impact of future plan changes. The Horton Group provides employer groups with tools that will provide consistent year-toyear data, reporting formats, and comparative benchmarks. This highly meaningful yet understandable information enables us to work together with your data in a continuous, interactive manner as plan management issues arise. EMPLOYEE EDUCATION Act as a HIPAA compliant resource for difficult claim situations and escalated issues Monthly newsletters provided for employer s management and benefits personnel Custom employee communications Resources for provider questions or issues Act as a resource for hardship provisions or late entrants Enrollment coordination of employees and dependents CLAIMS ANALYSIS Quarterly plan performance reviews with claim analysis and member behavior review Annual detailed claims analysis using downloaded carrier data with drill-down analysis capabilities Claims advocacy MERGER/ACQUISITION DUE DILIGENCE SUPPORT Benefit program strategy review and risk analysis related to merger/ acquisition activities

6 THE HORTON PRIVATE CLIENT GROUP IS DEDICATED TO HIGHLY SUCCESSFUL INDIVIDUALS The Horton Private Client Group is a team dedicated to providing exclusive concierge services for high net worth individuals. As one of the largest brokers in the United States, the Horton Group has strong relationships with the three premier insurance carriers designed to insure highly successful individuals. It is important to remember that not all insurance carriers, or their personal insurance policies, are created equal. Every insurance carrier designs their personal insurance policies for the types of risks they desire to insure. The standard insurance carriers design their policies for the general public who own standard type homes. They are not designed for luxury, landmark or historical properties owned by affluent people. Insurance studies have found that 7 out of 10 luxury homes do not have adequate coverage. Studies have found that most luxury homes are still insured with only standard policies that do not offer the comprehensive coverage needed for a high valued custom designed home. The limited protection provided in a "standard" policy will almost always be found unsuitable at the time of a loss to a luxury home. Horton Private Client Group is committed to protecting you and your family by providing the most comprehensive insurance coverage available. At The Horton Group, we provide you with a Best in Class coverage review, showing you what you currently have and where your insurance protection may fall short. The protection of your home(s), personal property and assets should never be left to chance. THE BENEFITS OF WORKING WITH THE HORTON PRIVATE CLIENT GROUP Comprehensive protection, providing superior coverage and identifying your exposure to threats that can lead to a loss Client-centric coverage, designing policies around you to ensure broad and flexible coverage by identifying your individual concerns Competitive pricing, allowing you full protection with reasonable premiums. High deductibles are also available! Global reach, with the ability to insure homes in more than 130 countries EXCLUSIVE ACCESS TO PREMIER CARRIERS AND SPECIALTY PRODUCTS Ace Private Risk Services Chartis Private Client Group Chubb Insurance Companies Fireman s Fund Insurance Companies

7 THE HORTON GROUP BEST IN CLASS SOLUTIONS We believe that to deliver Best in Class insurance, risk management and employee benefit solutions, The Horton Group must operate as a Best in Class company. Orland Park, IL Chicago, IL Schererville, IN Waukesha, WI We invite you to learn more about our company, our capabilities and our people. MEDICAL ARTS INSURANCE a Horton Group Company

8 Our Medical Arts division provides Best in Class insurance solutions for healthcare clients with complex needs and limited resources. Glenn Horton President and CEO The Horton Group MEDICAL ARTS INSURANCE a Horton Group Company