crg professional services 2010

About Us . . . . . Founded 1982 Locally Owned & Operated By:

Steve Brookshire, CLU Bob Cox, RHU Carol Dobbs, RHU Ruppert Reinstadler, RHU

Representing over 40 quality national and local insurance companies.

Servicing hundreds of Oregon and Washington Employer Groups.

Member of the National Association of Health Underwriters (NAHU).

About Us . . . . .

CRG is a proud Participant in the HRBA Group. Our participation in this national group of affiliated independent Human Resources and Benefits Advisors gives our clients more ways to reduce operational costs and simplify the administration of human resources, benefits and payroll.

Our Mission

Extraordinary ServiceAt Coordinated Resources Group we work hard to earn your business by selling quality insurance products and following through with the professional service you deserve.

Our compensation comes from commission’s payable by the insurance carriers we represent. As a result, there are no extra costs for clients to use our services.

To earn your trust, confidence, and continued business, we are pleased to provide the following services:

Consultation

“In today’s challenging economic climate, health insurance is the largest single employee benefit expense . As a result it is essential for employers to provide cost effective employee benefit solutions.”

We ask questions to determine your needs and objectives.

We strive to understand the special nature of your business or organization.

Consultation

Quality Insurance Companies

Market Research An RFP (Request For Proposal) is developed

based on the needs and objectives identified in our consultation.

The RFP is sent to several qualified insurance carriers and/or administrators.

RFP responses are reviewed to determine if they meet client objectives and needs.

Plan Comparisons

We summarize the most competitive quotes on an easy to understand spreadsheet that . . .

Compares Plan Features

Compares Benefits

Calculates Premium Savings

Sample Plan ComparisonREGENCE BCBSO BLUE PREFERRED PROVIDENCE HEALTH PLAN

PLAN HIGHLIGHTS IN NETWORK OUT OF NETWORK PE 20/20/2000/500DDeductible $500 $500Family Deductible 3 Ind Ded Per Family $1,500Insurance Pays 80% 60% 80% Less Co-PayOut of Pocket Per Member $2,000 + Ded $8,000 + Ded $2,000 + DedOut of Pocket Per Family $2,000 X # Mbrs + Ded $8,000 X # Mbrs + Ded $6,000 + DedLifetime Maximum $2,000,000 $2,000,000Pre-existing Conditions 6 Months Covered Immediately

PHYSICIAN SERVICES Ded Waived** **Ded WaivedOffice Calls $20 Co-Pay PP/$40 Spec/** 60% $20 Co-Pay/100%**Preventive Exams $20 Co-Pay/$200 Max** Not Covered $20 Co-Pay PPP Only**Outpatient Surgery 80% 60% 80%Inpatient Surgery 80% 60% 80%

FACILITY SERVICES Hospital Inpatient 80% 60% 80%Emergency Room $100 Co-Pay/80% $100 Co-Pay/80%/60% $125 Co-Pay/100%**Urgent Care Facility $20 Co-Pay PP/$40 Spec** 60% $25 Co-Pay/100%**

PRESCRIPTION DRUGS 3TC35 $10/$35/$50 Participating Pharmacy Rx 15/45

Tier 1 (Pharmacy/Mail Order) $10 Co-Pay/$30 Co-Pay Only $15 Co-Pay/$30 Co-PayTier 2 (Pharmacy/Mail Order) $35 Co-Pay/$105 Co-Pay $45 Co-Pay/$135 Co-Pay Tier 3 (Pharmacy/Mail Order) $50 Co-Pay/$150 Co-Pay N/ASupply (Pharmacy/Mail Order) 34 Days/90 Days 30 Days/90 Days

OTHER SERVICES Lab and X-Ray 1st $500**/80% 60% 80%**Vision Optional Optional 80%**Chiropractic Included in Alternative Care Not Covered OptionalAlternative Care $20 Co-Pay/100% $15 Co-Pay/$1,500 Max

PREMIUM SUMMARY 4T

Employee 26 $357.80 $328.91Employee + 1 10 $751.40 $690.73Employee + Family 15 $1,073.35 $958.77Employee + Child(ren) 18 $586.75 $524.71

Monthly Total $43,478.55 $39,285.29

ANNUAL PREMIUM $521,742.60 $471,423.48ANNUAL SAVINGS (COST) ($142,410.00) $50,319.12

Preferred Network (PPP)RENEWAL RATES

Compares important plan provisions

Compares specific benefits

Compares premiums

Calculates annual premium savings

PresentsPresents

Employee Benefit Meetings

PLAN FEATURES

HEALTH PLAN

Annual Individual DeductibleAnnual Family Deductible

Annual Individual Out-of-Pocket Max $3,000 $9,000Annual Family Out-of-Pocket Max $9,000 $27,000Maximum Lifetime Benefit $2,000,000 $250,000

$3,000

In-Network Provider

Out-of-Network Provider

STANDARD PPO PLAN

$1,000

CRG Website Relevant, timely, and helpful information Online quotes for individual/family health insurance Online quotes for term life insurance Portal to customized client websites

Client Websites Client specific customization Benefit information available through portal 24/7/365 HR Version available for group administrator

www.crginsurance.com

HR and Benefits Technology Demo Center

Weekly HR Newsletter

HR Navigator

HR Essentials

Our Mission

Thank you for your time and consideration!

5440 SW Westgate Drive, Suite 325Portland, Oregon 97221

(503) 297-8401 or (800) 297-8401