Are You Ready for Modernization? In This Issue. MIPPA What s Changed? Start Now!

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1 Newsletter for Representatives of the Pinnacle Benefits Group March 2010 Are You Ready for Modernization? In This Issue Medicare Supplement modernization, that is. In accordance with the Medicare Improvements for Patients and Providers Act (MIPPA), Medicare Supplement plans with effective dates on or after June 1, 2010, must be of the modernized variety. And Mutual of Omaha Insurance Company is leading the way! Mutual of Omaha already has fantastic rates and sales materials approved in a majority of states (click on map to view rates) and is already accepting applications for modernized plans in approved states. ME MT MN OR ID WY NV WI SD MI IA NE IL UT IN Start Now! OK NM KY VA DC NC TN AR SC MS AL Pinnacle Is Your Med Supp Source National Care Making An Impact! Fortify Your National Care Plan With GAP! Critical Illness It Pays! OH WV MO AZ PA The One Carrier Everyone Is Talking About! GA TX Don t wait to start marketing modernized plans. Get your sales materials now for approved states by calling Mutual of Omaha ( ) or downloading them from Sales Professional Access (SPA). Remember that the effective date must be June 1, 2010 or later in order to use the modernized plans and rates. For effective dates, prior to June 1st, continue to market current standardized (1990) Medicare Supplement plans. Want to know more? Call your Pinnacle Marketing Director with any questions you might have. We re ready to help! Lock-In Your Clients Annual Renewal Rate Increase! New 2010 CoventryOne Plans In NC! New PinnaclePoints Website Takes Off MIPPA What s Changed? The changes to Medicare Supplement plans under MIPPA aren t numerous, but they are important. Here s a summary of the benefit and plan changes: New Hospice benefit added as a basic benefit on all plans. At-Home Recovery and Preventive Care benefits are removed (deemed under-utilized by Medicare). Plan G Excess coverage increased to 100%. Plans E, H, I and J are removed since the changes noted resulted in plans offering duplicate benefits. New low-premium Plans M and N that provide for more cost-sharing by the beneficiary.

2 The ONE CARRIER Everyone Is Talking About! What are all the insurance agents in the Medicare Supplement market talking about? Pinnacle s NEW GPM Life Medicare Supplement plans. GPM Life plans offer 2010 Modernized Plans A, C, F, G and the much anticipated Plan N for your clients turning 65 after June 1st, Why is Everyone Talking About GPM Life? Great Rates Solid Company with an A- Rating by A.M. Best Quick Issue Service With 20% Commissions 2010 Modernized plans GPM Life plans have been approved in AL, AZ, GA, IA, IL, KS, KY, LA, MI, MO, MS, NE, OH, SD, TN and have been filed for approval in FL, MN, OK, PA, SC, TX, VA, WA, WI & WV. Don t wait for your carrier to decide what they re doing in Go with the ONE CARRIER everyone is talking about GPM Life! For more information on these ultra-competitive Medicare Supplement plans, contact your Pinnacle Marketing Director today! Pinnacle Is Your Med Supp Source Not marketing Medicare Supplement? Then perhaps you should reconsider. After all, in 2012 (less than two years from now!) the number of people turning 65 will take an incredible leap skyward! There will be a 20% increase in 2012, as compared to a 5% increase in And it will keep growing from there! This is a huge market you shouldn t ignore, and Pinnacle is here to provide you with a competitive portfolio of Medicare Supplement products and training. Presently, Pinnacle offers Medicare Supplement plans from the following carriers: American Republic Insurance Co. Loyal American Life Insurance Co. Conseco Insurance Co. Mutual of Omaha Insurance Co. Gerber Life Insurance Co. GPM Life Family Life Insurance Co. (incl. United of Omaha and United World) Sentinel Security Life Insurance Co. United Commercial Travelers United Healthcare And Pinnacle s pledge to you is to always have products to keep you competitive in the market. Call Pinnacle about marketing Medicare Supplement plans, and look for news on Med Supp training and lead generation programs COMING SOON!

3 National Care Making An Impact! Launched a few short months ago, the National Care Hospital-Surgical-Medical individual health plan is already making an impact on the market. With its broad range of benefits and affordable premium rates, National Care has caught the attention of health care conscientious consumers and insurance agents alike. Insured and Administered by National Health Insurance Company, National Care offers plans designed especially for individuals and families who pay 100% of their health insurance premiums, along with these fantastic features: Unlimited Doctor & Specialist Visits w/copay 100% Coinsurance for Hospital and Surgical Expenses Apps with Type II Diabetes and HBP/HC considered $10 Million Lifetime Maximum E-App w/online Business Tracking Contract online today and make an impact with your National Care sales! Fortify Your National Care Plan With GAP! The Great American Plan (GAP) continues to be one of the most important plans in the Pinnacle portfolio. Not only does GAP help fill the holes in your clients high deductible major medical coverage, it also offers the flexibility you need to develop customized coverage for your clients. As with other major medical products that Pinnacle offers, GAP makes a great companion product for the National Care plan. Consider adding a GAP plan to a National Care policy and demonstrate to your clients how they can be fully covered for some of the catastrophic medical events they fear most: Major Accidents, Heart Attack, Stroke, Cancer, Organ Transplant, Kidney Failure, etc. Here s an example: For a National Care plan with a $5,000 deductible / 100% coinsurance and a $1,000 Enhanced Outpatient deductible / 75% coinsurance to $14,000, the client is responsible for a Maximum Out-Of-Pocket of $9,500. Combine this with a GAP plan with $10,000 Accident Coverage and $10,000 Critical Illness, the client now has zero liability for covered accidents and critical illness. How does this approach benefit the agent? The premium for the National Care plan is $ generating up to $ in advances & the GAP plan has a premium of $53.93 generating up to $ in advances. The agent in this case would receive total advances of $928.08! The competitive premiums of both plans add up to great savings and superior coverage for your clients, as well as increased cash flow for you for the additional sale!

4 Critical Illness It Pays! Critical Illness insurance does what few other forms of insurance can. It provides a lump-sum tax-free benefit at a time when it s needed the most. It s a fantastic supplemental health product that provides invaluable coverage to your clients. And, in these days of health care reform discussion and legislation, Critical Illness insurance can become an additional income-producing product for you! Regardless of the implications of health care reform, Critical Illness will continue to be easy-to-understand insurance that leaves 100% of the control in the hands of the policyholder. Critical Illness is insurance that provides CASH for any or all of the following needs: Covering individual health plan deductible and coinsurance Making mortgage payments Paying medical bills not covered by health insurance Making up for loss of income while out of work Call Pinnacle and ask us about Critical Illness insurance, including plans underwritten by Mutual of Omaha and Loyal American Life Insurance Company. Lock-In Your Clients Annual Renewal Rate Increase! With so many choices of individual health plans available, and the majority of them raising premiums at an alarming rate, consumers have more need than ever for a product that allows them to Lock-In their premiums. Pinnacle s line of CAREAdvantage plans fits their need with a one-of-a-kind 3 year rate guarantee! With CAREAdvantage OPTIMA, CHOICE and ACCESS plans, your clients have the unique ability to lock-in their annual renewal rate increase for the first 2 renewals, not to exceed 15% -- GUARANTEED! Plus your clients can choose to lower their annual adjustment at either 10%, 5% or 0%, where they pay the same premium for 36 months. In addition to Pinnacle s unique rate guarantee benefit, CAREAdvantage plans, insured by American Republic Insurance Company, offer these outstanding features: 3 Plans to choose from: OPTIMA Best Benefit Plan CHOICE Mid-Range Value Plan ACCESS Catastrophic Coverage 4 benefit levels to choose from under each plan: Elite, Premier, Select and Classic Premium saving benefit options for additional customization Extensive Regional & National PPO Networks Quote & Apply software for easy designing, quoting and applying! Start selling these great CAREAdvantage plans today and show your clients how easy it is to Lock-In their Annual Renewal Rates!

5 New 2010 CoventryOne Plans In NC! Strengthening its commitment to consumers in North Carolina, WellPath Select, Inc., a Coventry Health Care Plan, has retooled the CoventryOne individual health portfolio for Utilizing feedback received from consumers, the CoventryOne plans have been streamlined to offer your clients more flexibility, additional product enhancements over the already competitive 2009 plans, and most importantly savings. CoventryOne NC Plans Feature: Premium Savings from 2% - 20% over previous plans Streamlined Product Offering Traditional, Value and Extra Value plans 2 Rx Drug Options with most plans Here s What Pinnacle Offers You: Great Commissions Vested Day One Advances Paid Weekly On Issue CoventryOne Agent Portal Online App Submissions Emergency Room Copays as low as $250 Two New Counties Richmond & Montgomery Improved Claims Processing Procedures Online Contracting (click here) Exclusive Leads Available The CoventryOne product also offers you a great benefit package and competitively priced plans in the states of LA, OK and SC. NEW Website Takes Off! The NEW enhanced PinnaclePoints website has been launched and is ready for agent use! PinnaclePoints allows agents to select the reward of their choice from hundreds of merchandise selections, or deluxe travel packages. PinnaclePoints is an added production incentive as agents can still qualify for all Carrier sponsored incentives. NEW PinnaclePoints website features include: Fresh, more Streamlined Appearance New Merchandise Choices Large Merchandise pictures with descriptions Over 100 Deluxe Travel Packages View Rewards by Category, Points Value or Description Wish List Feature See what all the excitement is about! Visit the NEW PinnaclePoints site today at Please do not solicit business solely on the information in this newsletter. Agents may contact Pinnacle for further information.