Benefit Upgrade Booklet Final

AMERICAS #1 HEALTHCARE BRIDGE PLAN
OFFERING AFFORDABLE EMPLOYEE HEALTH OPTIONS
PHYSICIANS | PRESCRIPTION RX | DENTAL
| & MORE

WE ARE COMMITTED TO PROVIDING
PROFESSIONAL HEALTHCARE OPTIONS THAT DIRECTLY
IMPROVE YOUR EMPLOYEES DAY TO DAY MEDICAL ACCESS.
Services to help Businesses retain valuable employees through affordable comp plan integration
Over the past 3 years we have seen a drastic change within the HealthCare insurance industry and
how it relates to businesses just like yours. Owners and CFOs alike have expressed concern over
rising costs of health insurance premiums along with the ACA/ObamaCare mandates being forced
on them during a struggling economy. Companies are being forced to take alternative actions to
mitigate these rising costs such as moving their employees to part time and dropping all healthcare
options they offer.
We are finding that when companies are receiving ACA / ObamaCare insurance quotes for their
employees, they are seeing an average 14% increase in premium cost every year. At that point what
does the company that employs workers within the 10K-25K per year sector do? Most companies
cannot afford to spend an additional 4-5K per year on an ACA insurance plan for each one of those
employees…so what are the options?
We have the answer!
“We measure our performance according to the impact that
we have in driving your employee retention forward.”

Affordable Bridge Program
$30.00 per month/employee.
$60.00 include employees spouse
+$5/$10 include 3/6 dependents
enrollment subject to $20
enrollment fee per employee
monthly / annual options available
Monthly Product Services
24 Hour Access to Physicians by phone at no cost
Prescription Rx / 60K pharmacies nationwide
Aetna Dental Network Access
Vision /Lasik
Hearing services
Labs / Blood & Diagnostics
Specialty Radiology CT/ PET / MRI & more.
Chiropractic
Diabetic supplies & management
Participation Options
You will have the option of what amount of the Benefit Upgrade cost
you would like to cover when offering this plan to your employees. You
can pay for the entire amount or a portion of the cost associated. You
will also have the option to cover the employees dependents at a rate of
$5 more for up to 3 dependents or $30 more per month to cover a spouse.
Employer Responsibility
Unlike traditional insurance plans, when your employee leaves the
company their plan will discontinue. They can choose to purchase it
again on their own if they would like. You have no responsibility to
continue providing the plan once the employee leaves the company.

SERVICES
• 24 Hour access to Physicians by phone at no cost
• Prescription Rx - 60K locations - All major pharmacies
DUIS AUTEM VEL EUM IRIURE DOLOR IN
• Aetna Dental Network Access - 158K locations
HENDRERIT IN VULPUTATE VELIT ESSE.
• Vision & Lasik - 40K locations
• Labs & Diagnostic Imaging
• Specialty Radiology - MRI / CT / PET scan & more
• Chiropractic
• hearing
• & much more
did you know that each year…
• 43% of americans don't go to the doctor because of cost
• 28% do not fill their prescriptions due to high prices
• 1 out of every 5 people go without dental help when needed
most people do not realize how profoundly large these numbers
are. the fact that millions of people, many within americas
workforce forego the help they need simply because they
cannot afford to.
how many of your employees do you feel are affected by these
numbers and do you think they would benefit from this plan?

“
Support for you and
your Employees
through knowledge,
commitment, and
unmatched service
”
Finally, an affordable bridge program you can stand
behind…because every employee deserves care & support
with their daily needs.
POSTNATAL CARE
“
it is said that a company is only as
”
great as the people who value it
the most

Chiropractic
With the ChooseHealthy program
you will have access to over 31,000
credentialed practitioners to assist
in all of your chiropractic needs.
members receive a standard 25%
reduced rate on all services
provided from participating
providers.
5432 Any Street West, Townsville, State 54321
in addition all members receive
555.543.5432 phone | 555.543.5433 fax
additional savings on all
supplements, vitamins, homeopathic
treatments, and much more.
Vision & Lasik
Members save off retail price
through the superior savings
discount plan. save on everything
from exams, eyeglasses, contact
lenses, and LASIK services. With over
40,000 locations nationwide,
purchasing single vision lenses will
cost you only $40 on average now.
This is a sought after and highly
valued part of the benefit upgrade
plan. this product offers unlimited
usage with zero restrictions.
Hearing
Hearing Loss is the 3rd most
common Health problem affecting
americans today. Members receive
30-60% off their hearing aid
purchase in addition to the
following services at no additional
charge:
Routine Hearing test
One year supply of Batteries
3 year warranty - loss/damage
6 follow up visits
Diabetic Care/DME
Through the Better Living Now
program, members receive an average
20-40% specialty savings on
everything from durable medical
Equipment and Supplies.
This program offers easy access to
state of the art products that ship
directly to your door for little to
no cost for shipping. quit paying
retail for your medical equipment
and take advantage of these savings.

Individual HealthCare Options
24 Hour access to doctors by phone with
zero out of pocket cost per consult
Access to board certified physicians 24 hours a day / 365 days a year. If you or
anyone in the family has the flu/cold/pink eye/etc you simply call the doctor,
give them your symptoms, they will diagnose you and send a prescription to
your local 24 hr pharmacy. unlimited usage all at zero cost per visit.
Dental by Aetna
Did you know that 1 out of every 5
people go without receiving the
dental work they need due to cost?
with 158K locations they will have
access to the help they need.
Average cost with your Benefit
Upgrade Membership:
Prescription Rx
The Prescription Rx part of this
card will save you up to 65% at over
160K locations nationwide along
with our 90 day mail order program.
Here are a few examples of common
medications we found through our
drug pricing website option:
Periodic Oral Exam: $32
Exam with full tooth filling: $92
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X-rays/Bitewings/Four films: $38
Sealant: $32
Lisinopril 5mg: $7.59
ATORVASTATIn 10mg: $10.81
AMLODIPINE 5mg: $6.92
SIMVASTATIN 10mg: $8.70
AMOXICILLIN 250mg: $8.93
Radiology & Imaging
Members save 50%-75% off all services
including but not limited to: MRIs,
CTs, Ultrasounds, Myelograms,
Arthrograms, PET scans, and much
more. Over 3000 centers nationwide.
We have clients that have insurance
use this because their insurance plan
requires you to meet your deductible
before any benefits are given for
radiology. This plan can help!
Lab & Diagnostic Testing
DLS offers a wide variety of
important health and wellness blood
tests at discounted prices, saving
members 10%-80% of regular retail
pricing at over 3000 certified labs
nationwide.
Enjoy privileged rates on everything
from a single blood test to a
comprehensive wellness screening.

Frequently Asked Questions
Commonly asked questions from
business owners
Q: Is there an open enrollment period?
A: No. You have the ability to enroll at any time as long as your state
is actively accepting new business applications. We close out each
state when 600 businesses have enrolled. We do this so that each
business has our 100% support and attention through the initial
process.
Q: Is this an ACA Insurance plan?
A: No this is not an A typical Insurance plan. This is a Discount
Medical Provider Organization. Meaning all services within this
product offer specialty contracted rates for services. The reduced
rate is given at the time the employee is at the participating provider.
Q: What type of Company is this product good for?
A: This plan is perfect for the company that either does not offer any
HealthCare options or will be dropping their current plans due to
the increase in premiums and lack of budget.
Q: Can I expect to see an increase in monthly plan cost ?
A: We typically see increases of 5-6% every 24 months due to economic
inflation. The plan pricing is guaranteed at the rate you purchased
for the first 18 months, regardless of an increase during the middle
of your term.

Monthly Payment Option
When choosing the monthly plan the business is responsible for 1. the employees monthly plan along with 2. The employee
enrollment fees
Example: 150 Employees
Month 1 Plan Membership cost: $4,500 ( based on all individual plans )
Enrollment Fees : $3,000
Total Month 1: $7,500
Each Month Thereafter: $4,500
Total Yearly Cost: $57,000
Yearly Payment Option
If you choose to pay for the memberships up front you will be receiving two additional benefits. 1. Your employees enrollment fee
will be waived. 2. You will receive one months membership fees free. This is based on a
1 year agreement.
If you have employees that leave and are replaced, the new employee will have their Benefit Upgrade plan starting the 1st of the
month and the old employees plan will terminate. If you grow in size, your additional plans will be month to month until your fiscal
year renewal where they can be added. If your company shrinks in size, the company will credit you dollar for dollar when you
renew your annual agreement.
Example: 150 Employees
Yearly Plan Memberships cost: $54,000 ( based on all individual plans )
Enrollment Fees : $0.00 (waived)
Yearly Agreement Discount: -$4,500 (one month all membership dues )
Total yearly paid up front: $49,500
YEARLY TOTAL FOR 150 EMPLOYEES
PAID MONTHLY: $57,000
YEARLY TOTAL FOR 150 EMPLOYEES
PAID ANNUALLY: $49,500
Participation Options
You will have the option of what amount of the Benefit Upgrade cost you would like to cover when offering this plan to your
employees. You can pay for the entire amount or a portion of the cost associated. You will also have the option to cover the
employees dependents at a rate of $5 more for up to 3 dependents or $30 more per month to cover a spouse.
Employer Responsibility
Unlike traditional insurance plans, when your employee leaves the company their plan will discontinue. They can choose to purchase
it again on their own if they would like. You have no responsibility to continue providing the plan once the employee leaves the
company.

Why offering this plan could mean
more to your employees than you think…
We would like to take a minute and share a story with you about a
woman who wrote us about her experience with the Benefit Upgrade
Plan. Please take a moment to read below in hopes that it will help you
understand how this plan assists people who cannot afford typical
insurance coverage.
Hi,
My name is Sheryl. I wanted to write your company to express how happy
I am about your benefit upgrade program. About a month ago my sister told
me about a plan that she had purchased as I was discussing a dental issue
that I was having with my daughter. My oldest needed two wisdom teeth
pulled and a tooth capped and we had been putting off having it done
because we did not have health / Dental insurance. We tried temporary
fixes and had been saving up and still could not afford the procedure. The
money just was not there.
After finding out about the plan and how Aetna discount dental is included
we contacted our dentist and the contracted discount rate took hundreds off
the price and allowed us be able to afford to have the procedure done. I
started using the prescription benefits also and it is saving me almost $100
out of pocket each month. I wanted to just say how wonderful this service
has been. you guys truly are a lifesavor :)
Sheryl, FL
Now let me ask you, do you think you have
someone like Sheryl working for you?

A letter from the owner
I wanted to take a moment to share the story of how the benefit
upgrade program was conceptualized and brought to life. For years
our insurance firm heard the same frustrations from individuals,
along with small and large businesses. We consistently ran into the
same issue with companies who wanted to offer their employees a health
benefit plan but could not afford a standard major medical policy.
So we sat back and asked ourselves if there was a way to create a bridge
plan that assisted employees with their day to day needs while
maintaining a level of affordability for the business owner? Could we
combine benefits that offered Rx, doctors, dental, and more for a price
between $30-$90 per household? The answer was YES. After 2 years of
working with the office of insurance regulation, along with
nationwide companies like Aetna, we created a plan unlike anything on
the market.
I feel honored to have been part of this collaboration, We have created
something very special and look forward to the future growth and
success of this product we have worked so tirelessly on.
John T. Jack
Owner/CEO
Life is short.
Build things
that matter

www.BenefitUpgrade.com