Health InsuranceHealth Insurance

An explanation of the An explanation of the programs for distributorsprograms for distributors

Zero Plus Source = Distributor solutionZero Plus Source = Distributor solution

About the Program:

Immunotec recognizes that a benefits program plays an essential part in the ability to retain valued distributors.

A Benefit Program directly affects the well-being and lifestyles of all distributors A Benefit Program assists all distributors in their ability to recruit and retain A Benefit Program should:

provide comprehensive protection for its team and staffoffer everyone a seamless process for administration

Who we work with:

Assurity at Work – Assurity has earned a rating of A- from A.M. Best Company, independent insurance analysts. In October 2003, Woodmen Accident and Life merged with Assurity creating one operating company with over $1.0 billion in assets.

GE – GE has earned a rating of A from A.M. Best Company, independent insurance analysts. GE Financial Employer Services Group is one of the fastest growing, most dynamic, and financially secure consumer financial services companies in the world.

Humana – One of the nation’s largest, publicly traded health benefit companies with approximately 7.0 million medical members. Humana has proven over its 43-year history that it embraces change and has seized opportunities that have helped transform its business. Today, innovation serves as Humana’s growth engine as they transform the company’s business model to give their customers personalized, actionable health benefit information in real time.

Assurant Health – In business since 1892, Assurant Health provides health insurance coverage for more than one million people nationwide. Assurant Health develops and provides a wide range of individual medical, small group, short-term and student health insurance products, and consumer-choice products. Assurant Health's legal entities, Fortis Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Assurant, which is traded on the New York Stock Exchange under the symbol AIZ, has over $20 billion in assets and $7 billion in revenue.

ProvidersProviders

Health Care – A National Health Care – A National CrisisCrisis

The number of Americans without health insurance for all of 2003 hit a record

45 million or 15.6% of the population, the highest percentage since 1998 when it was 16.3%

according to the latest Census Bureau figures

Washington Post

In 2003 / 2004, about 85 millionwere uninsured for some period of time,

an increase of 12.7 million over 1999-2000estimates

Washington Post

For 4 straight years, Americans have paid double-digit increases in health insurancepremiums bringing the price for a typical

family of 4 to nearly $10,000/year

Washington Post

GM alone spends $4.8 billion for health care for 1.1 million workers, retirees and

their dependents. The worlds largest automaker estimates that healthcare costs amount to $1,400

for each vehicle it sells in the US

Detroit News

Most claims are small!Most claims are small! 92% of health insurance participants use less than $1,000 of benefits/year92% of health insurance participants use less than $1,000 of benefits/year

17%

9% 5% 3% 2% 2%

62%

<$100 $101 - 250$251 - 500 $501 - 1,000

$1,001 - 2,500 $2,501 -5,000$5,001 +

BCBS of Ohio Study of Claims Paid on 64,000 Insured

Solution: Insert a plan to cover that need – A low cost Limited Medical PlanSolution: Insert a plan to cover that need – A low cost Limited Medical Plan

“Next to salaries, employee benefit packages are the number-one way employers vie for the best talent.”

-Don Fuller. “Sink-or-Swim Benefit Packages Offer Lifeline in Tight Labor Market,” Employee Benefits News, 9/15/2000.

Health ChallengeHealth Challenge

Competition to recruit and retain other qualified distributors

A tight labor market

A diverse work force

Time and manpower to communicate and administer benefits to new distributors

DistributorsDistributors

The Solution and Program:

Zero Plus Source is proud to present its program to Immunotec distributors.

Each component provides unique added value as part of the total benefit solution:

Part I: Limited Medical Program (No deductible) coverage from $0 to $300,000

Designed to cover your day to day needs.

Part II: Major Medical Program ($5,000 Deductible) coverage from $5,000 to $8 million

Designed to keep your rates low, use your Limited Medical/Basic Medical program to cover day to day and accidents but provide protection in case of a catastrophic event.

The Immunotec Zero Plus Program can be purchased in its entirety, or purchased in segments giving you the ability to pick and choose what components offered by Zero Plus Source will best serve your needs.

SolutionSolution

Benefit Offer – Part IBenefit Offer – Part I

Part I: Low Cost Limited Medical ProgramPart I: Low Cost Limited Medical Program Sure, you're in great shape, eat right, take your vitamins and get a little Sure, you're in great shape, eat right, take your vitamins and get a little

exercise every now and then. Why pay $200 - $300 per month for exercise every now and then. Why pay $200 - $300 per month for something you'll probably never use?  something you'll probably never use? 

Or why pay for coverage provided through your spouse? But what Or why pay for coverage provided through your spouse? But what happens if you break something? Get in a wreck and land in the happens if you break something? Get in a wreck and land in the emergency room? emergency room?

What if you are diagnosed with skin cancer? How about that annual What if you are diagnosed with skin cancer? How about that annual checkup, prostate exam, mammogram or pap smear? Do your kids ever checkup, prostate exam, mammogram or pap smear? Do your kids ever see a doctor?see a doctor?

Now, you can cover your assets for just a couple of dollars a day. Now, you can cover your assets for just a couple of dollars a day. You can now afford reasonable protection for yourself and loved ones, at a You can now afford reasonable protection for yourself and loved ones, at a

reasonable rate. reasonable rate. For a couple of dollars a day, you can have that checkup you've been For a couple of dollars a day, you can have that checkup you've been

putting off, for so long and for a few dollars more, your whole family can putting off, for so long and for a few dollars more, your whole family can be protected against those unforeseen emergencies that occur.be protected against those unforeseen emergencies that occur.

Why have a Part I?Why have a Part I?Why use a Why use a Limited Medical ProgramLimited Medical Program as Part I? as Part I? Spreads the risk between 2 insurance companies lowering riskSpreads the risk between 2 insurance companies lowering risk It helps individuals who cannot afford the high cost of major It helps individuals who cannot afford the high cost of major

medical coveragemedical coverage It helps individuals who have been declined for major medical It helps individuals who have been declined for major medical

coverage.coverage. It helps individuals who are looking for additional coverage to It helps individuals who are looking for additional coverage to

offset co-pays and deductibles on their existing individual high offset co-pays and deductibles on their existing individual high deductible plans.deductible plans.

Hospital StayHospital Stay Doctor VisitsDoctor Visits SurgicalSurgical

First ConfinementFirst Confinement SpecialistsSpecialists Accident/InjuryAccident/Injury

Intensive CareIntensive Care Same Age/Same RatesSame Age/Same Rates …and more …and more

(Embedded) Accident Insurance in Part I(Embedded) Accident Insurance in Part I

Accidents happen in places where you and your family spend the most time; at work, in the home, or during sports and leisure. This plan is included with the Limited Medical Plan.

Why do I need Accident Coverage?•To offset medical costs•To pay for additional expenses covered by accident

Hospital Coverage Physician CoverageEmergency Care Physical Therapy CareTravel Expenses Lodging for familyAmbulance and much more !

Summary – Part ISummary – Part IPart I Limited Medical ProgramPart I Limited Medical Program No DeductibleNo Deductible No Discrimination (age, gender, smoker)No Discrimination (age, gender, smoker) Single Rate NationwideSingle Rate Nationwide Guaranteed Issue Guaranteed Issue Supplements and pays regardless of any other insurance program Supplements and pays regardless of any other insurance program

- The benefits are assignable at the doctor's office and hospital- The benefits are assignable at the doctor's office and hospital Includes Includes AccidentAccident coverage coverage Flat Rate Monthly cost:Flat Rate Monthly cost:

IndividualIndividual Individual & SpouseIndividual & Spouse Individual and Individual and ChildrenChildren

FamilyFamily

Plan IPlan I $69.99$69.99 $129.99$129.99 $119.99$119.99 $179.99 $179.99

Benefit Offer – Part II Benefit Offer – Part II Major Medical Program - Major Medical Program - You never know when you or a family member You never know when you or a family member

will need to be hospitalized, or require surgery. will need to be hospitalized, or require surgery. Why do you need a major medical program? To pay for events beyond Why do you need a major medical program? To pay for events beyond

the day-to-day medical expenses or to pay for a catastrophic event. the day-to-day medical expenses or to pay for a catastrophic event. Minimal paperworkMinimal paperwork - You can apply for coverage over the website. - You can apply for coverage over the website. No hassles. FlexibilityNo hassles. Flexibility to fit your needs. to fit your needs. An annual deductible of An annual deductible of

$5,000 that starts after a Limited Medical Program ends.$5,000 that starts after a Limited Medical Program ends. Guaranteed rates - Guaranteed rates - You'll enjoy an initial 12-month rate guarantee, and You'll enjoy an initial 12-month rate guarantee, and

your premium won't increase based only on your claims.your premium won't increase based only on your claims.

Why have a Part II?Why have a Part II?

You never know when you or a family member will need catastrophic coverage.

Long term care needs Great Rx program included

PPO Plan coverage Up to $8,000,000 in lifetime coverageYou select the doctor Deductible of $5,000 creates low costPrescription coverage

Summary – Part IISummary – Part II

Part II Limited Major Medical ProgramPart II Limited Major Medical Program Freedom to choose your doctorsFreedom to choose your doctors - You can access one of the largest - You can access one of the largest

networks of healthcare providers in the nation.networks of healthcare providers in the nation. Provides Provides catastrophiccatastrophic coverage coverage Add these optional benefits to customize your Individual Health Add these optional benefits to customize your Individual Health

Plan:Plan: Doctor's office visits at a flat co-payment Doctor's office visits at a flat co-payment Pharmacy benefit with no deductible Pharmacy benefit with no deductible Maternity benefitsMaternity benefits

$8 million worth of coverage$8 million worth of coverage - The Individual Health Plan covers each - The Individual Health Plan covers each insured person with a $5 million lifetime benefit. Services include:insured person with a $5 million lifetime benefit. Services include: Routine physical exams Routine physical exams Inpatient & outpatient services/preventative careInpatient & outpatient services/preventative care Psychiatric services Psychiatric services

Monthly cost varies based upon age, gender, location of residence, and Monthly cost varies based upon age, gender, location of residence, and health status. health status. Provides viable benefits and Control Enrollment Cost Provides viable benefits and Control Enrollment Cost

Sample rates (depend on age and non smoking status)Sample rates (depend on age and non smoking status)

IndividualIndividual Individual & SpouseIndividual & Spouse Individual and Individual and ChildrenChildren

FamilyFamily

Plan IIPlan II $39.99$39.99 $89.24$89.24 $79.32$79.32 $98.67 $98.67

Receive Email Click on link to enroll or download

more information Complete the application Follow up with Insurance Company

Underwriters if necessary

How to Enroll:How to Enroll: