A flexible benefit plan that offers exclusive advantages to your key executives. ternian
If you want to provide the very best for your organization s leaders, while complying with the complex regulations presented by healthcare reform and tax codes, Ternian has an innovative benefit plan to meet your needs. Our Executive Plan offers exclusive medical benefits to your highly-skilled professional staff members as well as valued-added programs that can improve their health and well-being. Plus, because this plan includes excepted benefits according to the ACA, it is not subject to new rules that expanded benefit discrimination testing to fully-insured coverage. ternian
YOUR EXECUTIVES DEDICATE THEIR TIME AND ENERGY TO THE SUCCESS OF YOUR BUSINESS. NOW YOU CAN REWARD THEM WITH A VALUABLE PACKAGE OF BENEFITS DESIGNED TO MEET THEIR HEALTH NEEDS AND SUPPORT THEIR BUSY LIFESTYLE. Members receive cash payments for costs associated with a variety of medical issues regardless of what other benefits plans are in place Ternian s Executive Plan pays cash directly to your key executives, which can then be allocated toward medical bills as well as other cost of living expenses like transportation and other bills incurred during time off of work. Our Executive Plan provides these flat fee payments for a variety of medical services. It includes up to $100,000 in potential benefits for: FIRST DAY HOSPITAL ADMISSION DAILY HOSPITALIZATION INPATIENT SURGERY EMERGENCY ROOM VISIT OUTPATIENT SURGERY ADDITIONAL DENTAL COVERAGE ADDITIONAL PRESCRIPTION COVERAGE
A complete package of exclusive executive benefits In addition to this package of complementary benefits for medical services, this Executive Plan also provides an array of other valuable programs and value-added benefits. These include: A TELEMEDICINE PROGRAM THAT PROVIDES 24/7/365 ACCESS TO BOARD-CERTIFIED PHYSICIANS AT NO COST Now your executives can consult with a doctor without every leaving their home or office. Teladoc gives these individuals unlimited telephonic, email and/or video access with a licensed U.S. physician day or night. There is no charge for the consultation and diagnoses can be made for many common health conditions. This program is the perfect solution for executives that travel frequently or won t take time out to see a physician because of their busy lifestyle. OUTPATIENT ACCIDENT COVERAGE TO PAY FOR THE COST OF UNEXPECTED MEDICAL EVENTS Unexpected medical costs can have a major impact on an individual s finances as well as their overall quality of life. For example, a broken bone can lead to thousands of dollars in medical costs and the cost-share for these issues can be substantial. This additional benefit provides a set amount of coverage for accidents that require treatment in an emergency room, urgent care or outpatient setting. This plan can also help employees pay for necessary diagnostic testing such as X-rays and MRIs. CRITICAL ILLNESS COVERAGE FOR TEN MEDICAL CONDITIONS Critical illnesses are not always rare. According to the American Cancer Society,* one in two men and one in three women will develop cancer during their lifetime. Rates of heart disease are also rising. The costs associated with receiving treatment for these conditions can be staggering. That s why Ternian offers a cash payment directly to an individual to help cover any costs if they are diagnosed with one of 10 critical illnesses, including: Cancer, Renal Failure, Heart Attack, Stroke, Major Organ Transplant, Multiple Sclerosis, Coronary Artery Bypass Surgery, Alzheimer s, ALS and Terminal Illness. * http://www.cancer.org/cancer/cancerbasics/lifetime-probability-of-developing-or-dying-from-cancer
CONCIERGE SERVICES TO MAKE IT EASIER FOR EXECUTIVES TO MANAGE THEIR BUSY SCHEDULES Through this innovative program, executives will have access to a Personal Assistant that is available to them and the members of their household 24 hours a day, 7 days a week. This Assistant can provide a variety of services including appointment scheduling, purchasing tickets, comparison shopping for best prices and much more. For added value, this program also includes emergency travel assistance and discounts on brand name merchandise, DVDs, dining and more. WELLNESS SCREENINGS THAT PROVIDE COMPREHENSIVE DISEASE RISK ASSESSMENTS FOR CHRONIC CONDITIONS Early identification of chronic illness is critical for ensuring that an individual receives the effective treatment they need to get well and stay well. This Wellness Screening package includes blood, biometric and ultrasound screening services for risk factors that lead to cardiovascular disease, stroke and vascular disease. Individuals receive a detailed report of all findings and this information can be shared with their personal physician for any treatment or follow up necessary. SUPPORT AND ASSISTANCE FOR A VARIETY OF MENTAL HEALTH ISSUES AND LIFE CHALLENGES Behavioral health issues can take a toll on a individual s well-being, as well as their productivity. It is not uncommon for executives to suffer from issues like depression and anxiety, especially if they have high stress jobs. Now you can provide a resource that will allow your executives to receive the discrete support and guidance they need, 24/7/365 through trained professionals that are just a phone call away. This assistance program also includes three in-person counselor visits that can be used to provide additional support for a variety of life challenges. TRAVEL EMERGENCY ASSISTANCE FOR UNEXPECTED MEDICAL, FINANCIAL AND LEGAL ISSUES Emergencies can happen anywhere and they can be especially troubling when an individual happens to be out of town, especially if they are traveling overseas. Now you can provide support and assistance when your executives need it most. This program provides access to international assistance coordinators and case managers as well as nurses and physicians, 24 hours a day. These trained specialists can provide immediate assistance for a variety of issues including medical evaluation and/or repatriation, case management and review, prescription replacement or refill assistance, eyeglass replacement, emergency cash advances, lost baggage help, emergency message relays, access to a security assistance center and more.
HELP YOUR EXECUTIVES PROTECT THEIR MOST VALUABLE ASSET THEIR IDENTITY Identity theft is an epidemic that shows no sign of slowing. Executives are particularly at risk given their high net worth and assets. This identity management program helps individuals take measures to protect against identity theft or fraud and quickly resolve any existing identity theft issues. It also provides concierge assistance on a variety of common identity issues. For example, this trained specialist can help individuals locate missing documents, protect their identity during periods of address change and resolve travel-related identity challenges. SUPPORT AND RESOURCES FOR INDIVIDUALS CARING FOR AN AGING LOVED ONE The stress and strain of caring for an aging loved one can take a serious toll on an individual s health and emotional well-being. In fact, many people neglect their own health, immediate family and work while spending their time and energy to care for an aging family member. Now you can offer a comprehensive program that provides advocacy, resources and support to your executives during these challenging times. This program will provide: assistance locating paid caregivers, a guide to assisted living benefits, a caregiving information center and most importantly, access to a compassionate and knowledgeable case manager for answers and assistance. A VALUE-ADDED BENEFIT PACKAGE THAT INCLUDES THE FOLLOWING: Discounts on Travel, Dining & Entertainment Executives work hard and play hard. Reward them with discounts on the things they enjoy such as movie tickets, theme parks and more. Pet-related Product Discounts & Information Through this innovative benefit, your executives will receive access to discounts, information and advice designed just for pet owners. Online Health & Wellness Resources You can provide health information, guidance and support as well as discounts on many everyday wellness products and services that your executives will value. This online resource center also includes interactive tools that make it easier for these individuals to meet their fitness, nutrition and disease prevention goals. Discounts on Vision & Hearing Products Help your members save on eyeglasses, contact lenses, hearing aids and other vision and hearing-related products.
Flexible benefits designed to provide tax-free payments to executives Your executives will value both the flexibility and value of these benefits. In addition, because of the nature of this employer-paid plan, it can typically provide tax-free payments to executives. Plus, unlike Flexible Spending Accounts there is no use it or lose it time limit for applying these benefits and receiving payments. Ternian s Executive Plan is an ideal way for you to distinguish your benefit package through programs and complementary medical benefits that your executives will use to offset their everyday medical costs and better manage their busy life. The Advantages of Ternian s Executive Plan Comprehensive and flexible with a maximum benefit of $100,000 Easy to implement just three enrollees needed to initiate coverage Backed by A rated carriers PPACA excepted and not subject to section 105(h) rules Ensure that your leaders feel appreciated and empowered Now you can reward your hard-working leaders as they dedicate themselves to the success of your business with an Executive Plan from Ternian. This plan can provide up to $100,000 in additional benefits making it a premier and exclusive offering for valued employees. It can also be customized to include a wide range of benefits that will help your key executives be healthier, happier and more productive. To learn more, contact Ternian today at 602-216-0006 or visit www.ternian.com.
ABOUT TERNIAN Ternian was founded by a team of seasoned executives with decades of experience in the employee benefit industry. Our consultative approach and state-of-the-art technology have helped us meet the needs of employer groups in leading industries nationwide. ternian Ternian Insurance Group LLC 7310 N 16th St, Ste 100, Phoenix, Arizona 85020 602.216.0006 www.ternian.com NOTICE The insurance described in this proposal provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.