LISI CARRIERS LATEST UPDATES

Transcription

1 LISI CARRIERS LATEST UPDATES Table of Contents Aetna Aetna Q Updates 3 Aetna Q Update Reminders 3 Anthem Q Update 4 Specialty ONLY Sales 4 Two-Year Rate Guarantee on New Prime and Complete Dental Sales 4 Blue Shield Blue Shield of California Q Updates 5 Underwriting Updates 5 Quick Match for Small Business, Lower Composite Life Rates and Specialty Bundling Discounts 5 Small Business Bundled Savings Gives Your Clients a 5% Discount on Specialty Plans 5 CaliforniaChoice CaliforniaChoice Q Rate Update 6 CaliforniaChoice Q Update Reminders 6 Broker Commission 6 New Quote Features from CaliforniaChoice 6 Covered California for Small Business Covered California for Small Business (CCSB) has released their portfolio of plans for Commission Change Effective January 1, Health Net Rate Update, Q Kaiser Permanente Promotions Extended through February Rate and Portfolio Updates, Q Sharp Health Plan Q Updates from Sharp Health Plan 10 Rev. Date 2/5/18 Page 1 of 14

2 Table of Contents (continued) Sutter Health Plus Sutter Health Plus Announces Expansion 11 Provider Search Reminder 11 UnitedHealthcare Owner Only Guideline Change 2/1/18 12 Rate Update, Q UnitedHealthcare and Warby Parker: Press Release 12 BenefitComply Free Online HIPAA Crash Course from Benefit Comply 13 CoPower CoPower Getting Glasses Has Never Been Easier 13 Selling Voluntary? Choose CoPower 13 SelectAccount Have you considered SelectAccount? 14 Rev. Date 2/5/18 Page 2 of 14

3 Aetna Aetna Q Updates Aetna has released new rates for effective dates April to June PPO plans have received a rate pass, while HMO plans will increase 5.9% (statewide average). Quoting is now available in HealthConnect. Please keep in mind that Aetna has added a new criterion for the employer signature in the group application. You can find it in the Underwriting Guidelines, under Employer Eligibility, and included below: The owner or officer signing the employer group application for the group must be a resident for tax purposes in the state in which the group is applying for medical coverage. For any questions and region-specific details, please contact your LISI Regional Sales Manager. Aetna Q Update Reminders Benefit Changes New Formulary Aetna will be switching to a new formulary with no deductible and lower cost share for Generic Rx. However, the coinsurance for Specialty Rx increased and there will be limited brand name drugs. The open formulary is called ACA Formulary, and the brochure will be released by November. Generic Prescription Benefit Changes Aetna has moved all generic drugs to the Tier 1 Rx benefit level effective 1/1/18. Previously generic drugs were divided between Tier 1 and Tier 2 copay structures, meaning that some generic drugs shared a copay tier with Preferred Brand drugs. These changes were announced after the original release of the 2018 portfolio changes and therefore may be incorrectly represented on benefit materials. It is especially important to note that this change impacts all active California plans in 2018, and not just those that become effective 1/1/18. For existing Aetna groups this change will happen upon their renewal in 2018; until their 2018 renewal, they will continue to see generic drugs split across Tier 1 and Tier 2. All Other MH/SA/Behavioral Therapy and Autism ABA Changes 5 plans in the 2018 portfolio are receiving an adjustment to the following benefit categories. These changes were announced after the original release of the 2018 portfolio changes and therefore may be incorrectly represented on benefit materials. All Other MA/SA/Behavioral Therapy Autism ABA In-network member copay is reduced to $0. There will be no change to the out-of-network benefit on these plans. The affected plans are: Platinum Savings Plus 0 90/50 Gold MC 0 80/50 Gold Savings Plus 0 80/50 Silver MC 2000 Copay Silver Savings Plus 2000 Copay Underwriting Updates Employers may have a benefit waiting period of exactly 90 days after the date of hire. Aetna does not prorate the premium, so this means that they will not bill the member if the coverage starts in the middle of the month. Visit the LISI website for more on Aetna Rev. Date 2/5/18 Page 3 of 14

4 Anthem Q Update Anthem reports no rate or benefit changes for Q With a rate pass and underwriting promotions extended through Jun. 15, 2018, Anthem is a carrier you want to include in your quotes. For the past three years, every Q2 has received a rate pass. This is rolls up to their market position of lower overall rate trend and consistent pricing AVG QUARTER CHANGE Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 PPO 0.0% 2.7% -0.4% -1.2% 0.0% 3.1% 3.2% -0.4% -0.4% 0.78% HMO 0.0% 2.3% -1.0% -4.6% 0.0% 2.8% 2.2% 2.4% 2.4% 0.46% Underwriting guidelines and promotions continue through June 15, As a refresher, the promotions are: 30% relaxed participation promo for groups with 5+ enrolled On and Off-exchange IFP is considered a valid waiver DE-9C is not required for groups with 6+ enrolling, excludes virgin groups. Groups with prior coverage must submit prior carrier bill. Dual HMO: Groups can select both HMO networks to be offered alongside each other. Same-day turnaround for new business is subject to completeness. Case must use census Enrollment Tool for same-day turnaround. Holidays excluded. NEW! And Improved Member ID cards are now paperless to promote convenience and quicker turn-around times. Here is how Anthem describes the process: Upon member enrollment, an ID card image is generated. An is sent to the member with an activation code directing the member to register on mobile. If the member registers and selects digital preference within 48 hours, card is immediate available for viewing. No ID card mailed. If the member does not register within 48 hours OR selects hard copy ID card, a hard copy id card will be mailed to the member. It will also be available for mobile viewing. If Anthem does not have an address on file, a hard copy is mailed to the member automatically. Member can change preference at any time. Anthem has also improved their Enhanced Employer Package and Member Welcome Kit with tools and colloquial terminology that better explains their medical and ancillary benefits. Another exciting improvement relates to their provider search tool. Available to PPO members, Anthem s improved provider search tool integrates with the member s benefits, so they can compare costs and anticipate co-pay or coinsurance estimates for a particular procedure ahead of time. Similar to Yelp, members can also read reviews and see if certain providers received recognition and rewards. It s not just about finding out what provider is in a particular network. It s a transparency tool that allows members to better make informed decisions that impact their health and personal finances. Specialty ONLY Sales Anthem Blue Cross has updated their Underwriting guidelines. Effectively immediately, they no longer require a DE-9C for Specialty Only sales. This includes new sales of specialty lines only, or sales for groups that already have medical in place and add specialty lines. This affects all lines of ancillary coverage, Dental, Vision, Life & Disability. Two-Year Rate Guarantee on New Prime and Complete Dental Sales Anthem Blue Cross is offering a two year rate guarantee with no premium load on new Prime and Complete Dental sales. This is effective November 2017 through March 2018 effective dates and includes Metallic plans. Note that you do not need to request the guarantee, Anthem will automatically apply it. Visit the LISI website for more on Anthem Rev. Date 2/5/18 Page 4 of 14

5 Blue Shield Blue Shield of California Q Updates There will be a second-quarter rate action of 1.9% for all PPO medical plans and 1.0% for all HMO medical plans. All portfolio dental, vision, and life insurance plan rates will remain unchanged. Growing networks for more choice Beginning with April 2018 effective dates, groups may offer both Tandem PPO and Full PPO plans together for savings and flexibility. Similarly, your small business clients can offer their Trio ACO plans alongside full network Access+ HMO plans. Their Trio ACO HMO Network continues to expand with new medical groups and hospitals, with coverage now in 24 California counties. 25% Relaxed participation requirement Extended into 2018! Blue Shield continues to maintain relaxed participation requirements through June 30, 2018, with a minimum of five enrolling with Blue Shield. Underwriting Updates No DE9C Promotion Update Blue Shield s No DE9C promotion went from 10+ enrolled to 5+ enrolled effective now. To qualify, the group must have 5 or more enrolling employees and submit a prior carrier bill with a completed attestation form. A DE9C may be required if the difference between enrollment and the carrier bill varies by +/-10%. Groups with union and non-union employees, start-up groups, and virgin groups are not eligible for this DE-9C promotion. Refusal of Coverage Alongside Another Carrier A Refusal of Coverage for groups offering Blue Shield alongside another carrier can be submitted using either (a) other carrier s bill, (b) other carrier s employee enrollment form, or (c) standard Blue Shield of California Refusal of Coverage Form. Coverage Alongside MediExcel Their latest underwriting change adds more flexibility, making it even easier to enroll with Blue Shield. Effective October 1, 2017, groups may now offer plans from MediExcel, a cross-border carrier, alongside Blue Shield, even when also offered alongside another carrier s HMO. The standard participation requirement will be updated to reflect this change in the Underwriting Guidelines. Additionally, these groups may take advantage of the 25% relaxed participation promotion when five employees are enrolling. This rule does not apply to their Mirror package. Mirror plans cannot be offered alongside another carrier s plans. Quick Match for Small Business, Lower Composite Life Rates and Specialty Bundling Discounts Blue Shield of California is kicking off the summer with a triple treat for Specialty Small Business Sales: 1. They ve extended their Small Business Quick Match SM promotion through the end of the year. Their Quick Match Program provides streamlined underwriting by matching renewal rates from the group s current life insurance company. Click here to read more. 2. They ve lowered their composite Life Insurance rates for groups with 10 or more eligible employees. 3. They re saving small businesses a bundle with a 5% specialty discount any time dental and/or vision is added to a new or existing small business client s medical coverage. Click here to read more. Small Business Bundled Savings Gives Your Clients a 5% Discount on Specialty Plans Blue Shield is making it easier than ever to sell Small Business specialty coverage. A 5% discount applies any time you add dental and/or vision to a new or existing Small Business client s medical coverage. Contact your LISI Representative for more details. Visit the LISI website for more on Blue Shield Rev. Date 2/5/18 Page 5 of 14

6 CaliforniaChoice CaliforniaChoice Q Rate Update CalChoice has released rates for effective dates April to June Five of the seven health plans received a rate pass. Be sure to talk to your LISI Regional Sales Manager for region-specific details! As a reminder, please use the correct version of employer and employee applications for the requested effective date (earlier versions will not be accepted). The Employer Application and Employee Application for April to June 2018 effective dates are available to download on the LISI website. CaliforniaChoice Q Update Reminders NEW Value Add Program: Member Value Program Member Value Program is an online store where members can access some amazing discounts on high-products and services like Fitbit, Jawbone and Polar products. The website went live on calchoice.com on January 1st, Underwriting Updates Effective January 1, 2018, groups that want to move from CaliforniaChoice to Kaiser, or Kaiser to CaliforniaChoice, may only move on the group s anniversary date and there is no exception to this guideline. Form Updates New employer & employee applications are available for 2018; ensure you are using the correct forms based on effective dates! The 2018 forms can be found on the LISI website. Broker Commission While able to hold off on commission changes in 2017, CaliforniaChoice is implementing a new level 5% on all new and renewing CaliforniaChoice business (1-100 employees) beginning January 1, New Quote Features from CaliforniaChoice The days of printing out entire documents just to get specific sections from your CaliforniaChoice quote are over. Now, you can select which sections to print with the new customization options. From a single quote, you can print or an Intial Quote, Mini Quote, or Select Sections. Now, after creating an Initial Quote, a newly redesigned Delivery Options screen will display. You can choose what you want an Initial Quote, Mini Quote, or Select Sections to print for review with your client. You can also choose a default printing selection for your most frequently used option. You can open and preview a PDF and if changes are needed, go back to update it before printing, saving, or ing it. Once your quote is complete, you can request a PDF be sent to your CaliforniaChoice inbox or other address. For any questions about your new quoting options, please contact your LISI Regional Sales Manager. Visit the LISI website for more on CaliforniaChoice Rev. Date 2/5/18 Page 6 of 14

7 Covered California for Small Business Covered California for Small Business (CCSB) has released their portfolio of plans for 2018 Rates CCSB has offered an average increase of 5.6% in 2018 averaged across all plans and all regions. This is down from 2017 increase of 5.9% and 2016 increase of 7.2%. Portfolio Changes All carriers, with the exception of Western Health Advantage, are returning to the portfolio. In addition to this change, Blue Shield, Chinese Community Health Plan and Health Net are all offering new plans. Health Net is also discontinuing plans for In addition to these whole plan changes, there are changes to copay, coinsurance, deductibles and OOP maximums, with most changes needing to be made to meet the new Actuarial Value calculations new in New Plans Blue Shield has filled out their Trio ACO portfolio by now offering a non-infertility version of their plans, which drops the monthly premium and gives employees more benefit and price point options. And CCHP has included a new HDHP plan that is available in the Bronze Metal Tier. Lastly, Health Net has added 3 new plan designs, two of which are utilizing a new EnhancedCare PPO network. Discontinued Plans All Western Health Advantage plans have been removed for 2018 and members will be migrated to a similar plan with another carrier at their open enrollment. They will have the option to change that selection by submitting a request at open enrollment. In addition to these plan discontinuations, Health Net is also removing their two EPO plans that were tied to the EPO network. These plans are being replaced by the EnhancedCare PPO plans that is now available. The plans and rates are now available to quote using HealthConnect. Commission Change Effective January 1, 2018 Each year Covered California for Small Business (CCSB) engages with their carrier partners to ensure that they have competitive products, affordable rates, and that their distribution costs are aligned with current market levels. After meeting with their carrier partners they are confident that Covered California for Small Business will continue to offer competitive products at rates that are affordable for your customers and provide industry standard commission rates for our agents. However, achieving this outcome required a change in our agent commission structure that will take effect for all new business written on January 1, 2018 and beyond. Beginning January 1, 2018, a 5% commission will apply to any new enrollment for groups with 1-50 enrolled employees. All 1-50 groups written from January 1, 2014 through December 1, 2017 will remain on the current 6.5% down-graded commission schedule and will not be affected. For groups , no changes are being made. For further details on the commission schedule changes going into effect January 1, 2018, please review the Agent Commission Structure found here. As per the terms of the Agency Agreement, Exhibit F, Schedule of Commissions, has been updated and will effectively replace the current Schedule of Commissions found in the Agency Agreement. Visit the LISI website for more on CCSB Rev. Date 2/5/18 Page 7 of 14

8 Health Net Rate Update, Q There are no plan benefit changes, and PPOs receive a rate pass. For HMO/HSP plans, Health Net reports an annual renewal change of -2.2%. However, we report a statewide average increase of 0.9% for Full HMO and 4.6% for Limited HMO/HSP plans specific to Q2 over Q1. Please note that above are statewide averages, and rates vary by region. With the recent launch of EnhancedCare PPO, CommunityCare HMO Bronze $45, Silver $40 HMO and Silver HDHP plans, Health Net continues to provide a wide range of networks, offering multiple price points. We will keep you up-to-date on what Health Net brings to the marketplace ahead. Contact your LISI Regional Sales Manager to learn where Health Net is positioned in your market. Visit the LISI website for more on Health Net Rev. Date 2/5/18 Page 8 of 14

9 Kaiser Permanente Promotions Extended through February 2018 Great news from Kaiser Permanente! The following underwriting promotions from Q have been extended to February 1, 2018 effective dates: A DE 9C is not required for new groups with 6 or more enrollees. For startup groups that do not have a DE 9C, Kaiser Permanente will write the group with a minimum of 4 weeks of payroll (standard guideline requires a minimum of 6 weeks). For any questions, please contact your LISI Regional Sales Manager. Rate and Portfolio Updates, Q Rate Updates All medical and ancillary plans have rate changes for January Medical rates are effective for January 1, 2018 through June 1, Ancillary rates are effective for January 1, 2018 through December 1, Statewide average for medical plans shows an increase of 4.1% on HMO and 8.5% on PPO. Kaiser Permanente rates reflect the new age bands for 2018: ages 0-14, 15, 16, 17, 18, 19 and 20. Please see LISI s ACA Rating Methodology 2018 Updates and FAQ for an explanation of the age band change. The child dental cost for all plans and rating areas remains the same as last year $ Kaiser Permanente direct HMO and CaliforniaChoice plans include cost of child dental to age bands under 19. PPO plans have embedded child dental with the cost spread across all age bands using the standard age-curve. Plans and Portfolio Updates For 2018, the plans and rates available through CaliforniaChoice are identical to the plans through direct sell. The 2017 plans will continue in 2018 with some benefits changes. Plans with a deductible and/or copay changes required a plan name change PLAN NAMES 2018 PLAN NAMES Gold 80 HMO 0/30 + Child Dental Gold 80 HMO 0/25 + Child Dental Gold 80 HMO 500/35 + Child Dental Alt Gold 80 HMO 500/30 + Child Dental Alt Gold 80 HRA HMO 2000/30 + Child Dental Gold 80 HRA HMO 2250/35 + Child Dental Gold 80 PPO 0/30 + Child Dental Gold 80 PPO 0/25 + Child Dental There are no changes to ancillary benefits, including child dental. Material and Form Updates The 2018 Kaiser Permanente Plan Highlights and employer/employee applications are now available on the LISI website. Other materials will be available as they are released. Kaiser, Kaiser Permanente, Kaiser Foundation Health Plan and the Kaiser Permanente Logo are registered trademarks or service marks of Kaiser Foundation Health Plan, Inc., in the United States. Visit the LISI website for more on Kaiser Permanente Rev. Date 2/5/18 Page 9 of 14

10 Sharp Health Plan Q Updates from Sharp Health Plan Sharp Health Plan has released new HMO rates for effective dates April June HMO plans will increase 0.6%. If you are looking at PPO options with Sharp, keep in mind that the rates released January 1, 2018 are valid for the entire 2018 calendar year. As a reminder, Sharp offers their Best Health Coaching program to all members. This is an NCQA-accredited wellness program that includes a robust online wellness tool, interactive workshops, one-on-one health coaching and more. Members log on and complete a personal health assessment to identify opportunities for improving their health and get a baseline for measuring their progress, in addition to receiving resources that are customized to their individual needs. View the Best Health Coaching program flyer for details! Visit the LISI website for more on Sharp Health Plan Rev. Date 2/5/18 Page 10 of 14

11 Sutter Health Plus Sutter Health Plus Announces Expansion Sutter Health Plus, a not-for-profit HMO affiliated with Sutter Health, announced plans to offer health care coverage to employers and consumers in Santa Cruz County. The health plan will begin its sales and marketing efforts now with coverage effective as of Jan. 1, It s exciting to give employers and consumers in Santa Cruz County new health plan options and ways to access high-quality care. The expansion will complement our Bay Area provider network and will also benefit consumers in the South Bay who live or work in Santa Cruz County, says Phil Jackson, Sutter Health s CEO of Health Plan Products. The Sutter Health Plus network in Santa Cruz County will include Palo Alto Medical Foundation and its care centers throughout the county, Sutter Maternity & Surgery Center and Watsonville Community Hospital. Members will also have access to El Camino Hospital in Los Gatos, a Sutter Health Plus participating provider since The move into Santa Cruz County will mark the third geographic expansion since the health plan s launch in The health plan s provider network will include 30 hospitals, seven Walk-in Care facilities, 45 urgent care centers, and more than 5,000 physicians. Provider Search Reminder Sutter Health s brand is well known across 22 counties in Northern California; however, not every Sutter-affiliated hospital or doctor is included in the Sutter Health Plus 14-county network of participating providers. To assist a member with selecting a Sutter Health Plus network provider, please direct them to the provider locator at sutterhealthplus.org/providersearch. Do not direct them to the Sutter Health website. If a member inadvertently navigates to the Sutter Health provider locator, they will see a link directing them back to the Sutter Health Plus website. Visit the LISI website for more on Sutter Health Plus Rev. Date 2/5/18 Page 11 of 14

12 UnitedHealthcare Owner Only Guideline Change 2/1/18 A change has been made to the Owner Only Guidelines effective February 1, UnitedHealthcare will no longer write a group that is owner only, where the common-law employee is waiving coverage. These groups must now have at least 1 eligible commonlaw non-spouse employee on the DE-9C and enrolling in coverage. For C-Corp., S-Corp., and LLCs, UnitedHealthcare will continue to allow owner only groups with at least 2 non-spouse owners, with at least 1 enrolling owner actively working the minimum required hours. However, if these business types have only 1 owner then they must defer to having 1 eligible common-law non-spouse employee on the DE-9C and enrolled in coverage, per the new guideline. Please keep in mind there will be no exceptions available to this new rule. Any group submitted 2/1/18 and beyond, regardless of effective date, must comply with the new guideline or they will be declined. Rate Update, Q UnitedHealthcare has released their Q2 rate update. HMO plans will recieve a rate pass, while PPO plans will increase (statewide average) by 5%. These new rates are valid from April through June UnitedHealthcare UnitedHealthcare and Warby Parker: Press Release New network relationship enables millions of UnitedHealthcare Vision plan participants to purchase custom eyewear for little or no out-of-pocket cost starting in MINNETONKA, Minn. (Sept. 19, 2017) People enrolled in UnitedHealthcare employer-sponsored and individual vision plans can access Warby Parker s designer prescription eyewear at affordable prices, online or at any of the more than 50 stores nationwide, beginning in This marks the first time Warby Parker is accepting vision insurance, and will enable millions of people to purchase prescription eyeglasses for only their copay. Warby Parker is constantly exploring new ways to provide people access to affordable, high-quality and fashionable eyewear, said Dave Gilboa, co-founder and co-ceo of Warby Parker. We look forward to working with UnitedHealthcare, nationwide, to enable millions of Americans to purchase their glasses at a fraction of the price they might pay through traditional channels. As people now enter the open enrollment season for 2018 health benefits, this new relationship will help meet the needs of UnitedHealthcare plan participants nationwide. Warby Parker and UnitedHealthcare will help more Americans access designer eyewear at affordable prices to help meet the eye care needs of the people we serve, said Tom Wiffler, CEO, UnitedHealthcare Specialty Benefits. We are grateful Warby Parker selected UnitedHealthcare to be its first in-network vision plan. About Warby Parker Warby Parker was founded with a rebellious spirit and a lofty objective: to offer designer eyewear at a revolutionary price, while leading the way for socially conscious businesses. Every idea starts with a problem. Theirs was simple: glasses are too expensive. By circumventing traditional channels, designing glasses in-house, and engaging with customers directly, they re able to provide higher-quality, better-looking prescription eyewear starting at $95 (a fraction of the going price). Warby Parker also believes that everyone has the right to see. There are 2.5 billion people around the world who need glasses but don t have access to them. Of these, 624 million cannot effectively learn or work due to the severity of their visual impairment. To help address this problem, Warby Parker partners with non-profits like VisionSpring to ensure that for every pair of glasses sold, a pair is distributed to someone in need. Visit the LISI website for more on UnitedHealthcare Rev. Date 2/5/18 Page 12 of 14

13 BenefitComply Free Online HIPAA Crash Course from Benefit Comply Employers often struggle to understand how HIPAA regulations affect their benefits administration. Benefit Comply has created a high-level crash course that helps them determine: if HIPAA applies; the risks associated with non-compliance; and the steps necessary for compliance. Give your clients a free and easy resource to help them start assessing their HIPAA risk before it becomes a problem. Visit to learn more. CoPower CoPower Getting Glasses Has Never Been Easier If you wear glasses, you know what a time-consuming process it can be. Make an appointment. Hope you find a pair that suits you. Second-guess the style. The list goes on! CoPower is here to make the experience a whole lot easier. Thanks to their carrier offerings, you can now do a trial run of the specs until you find the right fit for you. Warby Parker with UnitedHealthcare With the Warby Parker Home Try-On program, you can try the frames from the comfort of your home in just 3 steps: 1. Pick 5 frames Five frames will be mailed to you for free. You have 5 days to test them out and see which ones you like. 2. Buy at any time Like what you see? Buy it online and receive a brand new pair. 3. Return your frames Once your 5 days are up, place your box in the mail with the prepaid return label. You can get most frames through the Home Try-On program, but if you love a pair that isn t available, you can still try it with the free 30-day return or exchange policy. Need help deciding? Warby-Parker s personal stylists for an expert eye at PS@warbyparker.com or text them at between 6 AM and 6 PM PST. For more information go to Eyeconic with VSP With Eyeconic s Virtual Try-on program, a variety of brands and styles are at your fingertips. Get set up in two easy steps: 1. Record a five-second video of yourself. 2. Take a self-portrait for scale. You can then virtually try on any frames to see how they look from every angle. Test drive any style with no commitment! Share your video with your friends for feedback and choose your favorite no showroom required. For more information, click here. Selling Voluntary? Choose CoPower Fact: Groups as small as two are eligible for large company benefits with CoPower s exclusive ancillary plans. That s not all. With CoPower, employers don t have to settle for less. Your clients have access to a breadth of voluntary options that are budget-friendly without compromise. CoPower offers voluntary plans: Rev. Date 2/5/18 Page 13 of 14

14 for every major line of coverage from most of our carriers 1,2 with no waiting period whatsoever with no DE-9C requirement with rich benefits, like implants and posterior composites With a range of options and reliability your clients can count on, the answer is easy choose voluntary with CoPower. Don t wait. Contact your LISI Regional Sales Manager and get started today. 1 Not all carriers offer disability. 2 Landmark does not offer voluntary SelectAccount Have you considered SelectAccount? SelectAccount is one of the largest health savings account (HSA) custodians and account administrators in the nation. They ve been at the forefront of innovation in health spending accounts for 25 years, and have earned a reputation as one of the most experienced and trusted account administrators in the country. In addition to HSA accounts, SelectAccount also offers FSA, DCAP, HRA, TRA, WalletDoc, and POP. Clients can obtain all the financial services they need in one location. Unique Cost Model Why it Matters: The SelectAccount cost model is quite unique in the market and can significantly reduce premiums for individuals enrolling in multiple products! Vendors typically charge a fee per enrolled product, but SelectAccount will only charge the account fee of the highest cost product. Contact your LISI Representative to learn more! SmartCard: SelectAccount Smart card. One card is issued per member, all product lines get tied to the single card. When a member uses their card, the charge is automatically debited from the appropriate account based on the type of service. Additional Key Differentiators: No monthly minimum fees. No group size limits can enroll down to a group of 2. No signatures required a simplified enrollment process for both you and your clients. POP included with purchase of another other product line. All information published herein is gathered from sources which are thought to be reliable, but the reader should not assume that the information is official or final. Reliance on this information received from LISI shall be at your sole risk, and LISI assumes no responsibility for any errors, omissions, or damages arising. Users of this information are encouraged to confirm with other sources, and to seek qualified advice if embarking on any actions that could carry personal or organizational liabilities. CONTACT ANY OF OUR FULLY-STAFFED OFFICES: San Mateo Sacramento Fresno Los Angeles Orange San Diego LISI (5474) Rev. Date 2/5/18 Page 14 of 14