humana agent marketing guide - messer financial · 2020. 2. 28. · marketing guide 2014-2015 your...

Humana Agent Marketing Guide2014-2015Your comprehensive resource for marketing Humana’s 2015 individual health insurance plans and catalog of the new marketing campaigns and materials.

What’s inside? Page

Health Insurance Marketplace 1 and Plan Tiers

Financial assistance 3

Comparing HMOs, EPOs, and PPOs 8

2015 Humana plans 9

Lead generation materials 13

Health Insurance Seminar kit

Multi-touch campaigns for families & boomers

Tools and resources 22

FOR AGENT USE ONLYConfidential. For Humana or Humana Agent/Agency use only. This training material including any subpart(s) is not to be used as marketing and is not to be provided to a prospect, an applicant, member, group or the general public.

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Our commitment to you

This guide is designed as a reference and planning tool for you as you prepare to guide your clients and prospects in choosing and enrolling in an individual health plan.

We know you work hard to grow your business. Our mission is to provide you with all the resources necessary to help you become a valuable resource to your clients who are trying to navigate the new healthcare landscape and choose an individual health plan.

Since 40% of today’s uninsured will likely buy health insurance this year, there’s never been a better time to get into this growing market.*

This is an exciting time for our industry and agents, and we are happy to provide new resources, including this guide to help you maximize this opportunity. Consider this your go-to resource about:• What’s happened as a result of the Affordable Care Act

• What it means to YOU as an agent

• What it means to your clients and prospects

• The new plans and how to sell them

• Sales strategies, tools and resources

• Relevant links and references

• Customizable shared-marketing campaigns and materials detailed inside

We are committed to keeping you informed with the changes on the horizon and providing you with the right tools so that your business can thrive in the coming years. Thank you!

Thriving Together!

*Deft Research Study: Likely Buyers, Retention, and the ACA Consumer Experience, June 2014

Note: This agent guide is designed to provide a general overview of products and the Affordable Care Act as it relates to the individual health insurance market, with references and links to other resources. It does NOT attempt to cover all product details or all of the law’s provisions and should NOT be construed as legal advice.

We encourage you to seek any professional advice, including legal counsel and/or a professional tax consultation, regarding how the new requirements will affect you, your business or your client’s specific plans. Insurance and tax laws and interpretations of those laws are complex and subject to change. None of the information herein is intended or written to be used, and it cannot be used, for the purpose of avoiding taxes or penalties that may be imposed.

Confidential. For Humana or Humana Agent/Agency use only. This training material, including any subpart(s), is not to be used as marketing and is not to be provided to a prospect, an applicant, member, group or the general public.

Healthcare exchanges – what they are and how they work ..........................................................1

Plan tiers..............................................................................................................................................................................2

Financial assistance. .........................................................................................................................................................3

Uninsured tax penalties ...................................................................................................................................................5

When and how to enroll in plans...................................................................................................................................6

Selling strategies ...............................................................................................................................................................7

Humana 2015 individual plansHMOs, EPOs and PPOs .....................................................................................................................................................8

2015 Humana plans .........................................................................................................................................................9

CVS ......................................................................................................................................................................................10

Humana 2015 plan names and markets ...................................................................................................................11

Marketing materials, tools, resourcesStrategy planning and best practices. ........................................................................................................................12

Signage. .............................................................................................................................................................................13

Seminar kit. .......................................................................................................................................................................14

Multi-touch campaign Boomers/general audience ...................................................................................................................................16 Families with children .............................................................................................................................................18

Email to young invincibles. ............................................................................................................................................19

Sales collateral. ................................................................................................................................................................19

Agent recruitment. .........................................................................................................................................................21

Additional tools and resourcesTracking and reporting. ..................................................................................................................................................22

How to access and customize materials. ..................................................................................................................22

Where to find it ...............................................................................................................................................................22

Quick-click links ................................................................................................................................................................22

What you’ll find inside

1

Health Insurance Marketplace

Healthcare exchanges – what they are and how they work

Marketplace fast facts:• Designed for comparing and purchasing

health insurance

• Each state must have a state exchange or use the Health Insurance Marketplace

• Carriers have the option of whether or not to sell plans on a state exchange or the Health Insurance Marketplace

• Carriers and their agents can still sell directly to consumers

• Consumers eligible for financial assistance must apply for the subsidies and advance premium tax credits on the Marketplace

• When enrolling on Humana.com, you are seamlessly redirected to the Marketplace for the financial assistance calculator and application portion of the process, and then automatically redirected back to Humana.com

Your clients and prospects need your help more than ever!

Humana is participating in the Marketplace in 15 states:

• Many of Humana’s products on the Health Insurance Marketplace will be HMO plans utilizing a high value local network with very affordable premiums

• We will also offer additional medical plans outside of the Marketplace (“off-exchange”) in these 15 states

• Familiarize yourself with your state’s exchange or the Health Insurance Marketplace and Humana’s product offering

• Review and become familiar with the Humana products available in your state (refer to your state’s product availability grid and benefit summaries)

Off-exchange onlyAll of Humana’s products offered on the Health Insurance Marketplace are available off-exchange in the 15 states mentioned above. In addition, Humana offers plans off-exchange in the following seven states:

• Alabama• Arizona• Colorado• Florida• Georgia• Illinois• Kentucky• Louisiana

• Michigan• Mississippi• Missouri• Ohio• Tennessee• Texas• Utah

• Indiana• Kansas• North Carolina• Nevada

• Oklahoma• Virginia• Wisconsin

2

Plan tiers

How are the plans categorized?

Platinum

Silver

Bronze

Catastrophic

Gold

• Lower cost • Limited benefits• Under 30 years old• Or facing financial

hardship

• Lowest premiums• Highest

deductibles, coinsurance, and/or copays

• Highest premium• Lower

out-of-pocket costs

Individual medical plans are organized in five categories known as “metallic tiers.”

Explaining the Metallic Tiers:The highest tier is Platinum, followed by Gold, Silver, and Bronze, and basic Catastrophic coverage is the lowest.

Basically, the more benefits a plan offers, the higher the premiums will be. Premiums, often paid monthly, are the payments a member makes for their healthcare coverage.

Bronze plans are frequently the least expensive with the lowest monthly premiums, but they may have the highest out-of-pocket costs when insurance is used. Out-of-pocket costs include deductibles, coinsurance and copays. On the other hand, Platinum plans generally have the highest premium payments, with lower out-of-pocket costs when healthcare services are received.

So for example, if a member wants more benefits, and wants to pay less for services when the benefits are used, they may want to consider a Platinum plan.

Catastrophic plans are lower-cost with limited benefits for people under 30 or others above 30 with financial hardship. Financial hardship would apply to those above

the 400% federal poverty level (FPL), who would pay a premium exceeding 8% of their income for the lowest-priced Bronze plan.

Actuarial value – fast facts Silver plans have an actuarial value of 68%-72%. That means, for a standard population:

• The plan will pay around 70% of their healthcare expenses.

• The enrollees themselves will pay around 30% through a combination of deductibles, copays, and coinsurance.

How does it relate to financial assistance?For Americans with incomes below 250% of the federal poverty level, who qualify for financial assistance in the form of cost-sharing reduction, their out-of-pocket portions will be less on Silver plans.

Source: Cracking the Code III Webinar presentation

Plan tiers are categorized by actuarial value

Metallic Tiers: 5 levels of plans:

Metallic tiers do not apply to large group medical insurance plans.

3

Financial Assistance

Any individual who makes $46,680 or less should check to see if they qualify for a subsidy

Fast facts about financial assistance:• Lower- and middle-income families can qualify

• 138% of the federal poverty level (FPL) is the new cutoff to qualify for Medicaid (may vary by state)

• Rather than referring to the federal poverty level, simply say, “A lot of people don’t even know they may qualify for financial assistance based on their income.”

Advance premium tax credits • For clients who are 100% to 400% FPL

(many states start at up to 138%)

• They ensure that your clients don’t pay more than a certain percentage of their income for health insurance premiums

• To use an advance tax credit or cost-sharing subsidy, they must enroll on state Marketplace or exchange

• There’s a tool on the Health Insurance Marketplace where you and your client can check if they qualify

• When enrolling online directly with Humana, the site seamlessly redirects you and your client to the state Marketplace to qualify and apply for financial assistance, then automatically sends you back to Humana to complete plan enrollment

• Tax credits can be: – Taken in advance to lower monthly payments – Or taken later to lower taxes owed or increase refund at the end of the year

• An individual may receive health insurance coverage subsidized by the premium tax credit only for the months they are enrolled in a qualified health plan through a Marketplace

• Changes after enrollment in income or family size may change the tax credit amount

• People eligible for public coverage, like Medicaid, aren’t eligible for premium assistance, and people who have employer-based health insurance coverage that meets a minimum value of 60% and is affordable are not eligible for a premium tax credit either

Cost-share reductions• For clients who are 100% to 250% federal poverty level

(many states start at 138%)

• Protects from high out-of-pocket costs at point of service

• Cost-sharing reductions are available only on silver plans

• So, depending on your client’s income, instead of 68%-72%, they could receive somewhere in the range of 73%-94% actuarial value by purchasing a silver plan

• This means they pay less out-of-pocket for services without any added premium costs for the eligible client

• Shopper sees only the plan levels for their income

In 2014, enrollees in a federally facilitated exchange plan received a lot of financial assistance through the Affordable Care Act (ACA):

• Nearly 90% received help paying for insurance*

• Tax credits lowered premiums an average of 76%*

• Nearly 50% paid $50 or less per month for their plan*

*Source: Department of Health & Human Services. Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014.

4

Average Household Income/year

Family of 4

Couple

Individual

$95,400

$62,920$46,680

$46/hour $30/hour $22/hour

The total household incomes and the related approximate hourly wage associated with each would be for the combined earnings for wage earners in the family in the plan year.

• A family of four making up to $95,400 per year would qualify for some assistance.

• A couple would qualify at up to $62,920 together

• An individual making up to $46,680, which is about $22 per hour, might qualify.

Those in certain income ranges may qualify for Medicaid coverage instead of financial assistance. The qualifying income levels for Medicaid vary by state – for example, in some states individuals with incomes under $16,000 would qualify for Medicaid instead of a subsidized plan through the exchange.

Here is a chart of the new poverty level guidelines and the thresholds for qualifying for Medicaid coverage or premium assistance for private insurance in 2015:

Federal Poverty Guidelines 2014

Persons in Household 2014 Federal Poverty Level for Continental U.S.

Medicaid Eligibility (138% of FPL)

Premium subsidy threshold (400% of FPL)

1 $11,670 $16,105 $46,680

2 $15,730 $21,707 $62,920

3 $19,790 $27,310 $79,160

4 $23,850 $32,913 $95,400

5 $27,910 $38,516 $111,640

6 $31,970 $44,119 $127,880

7 $36,030 $49,721 $144,120

8 $40,090 $55,324 $160,360

Source: 2014 Annual Federal Poverty Guidelines Chart and the Income Level/Premium as a Percentage of Income Chart

Financial Assistance

Who is Eligible for Financial Assistance on 2015 Health Insurance Plans?

5

Tax penalties are increasing for those who don’t purchase insurance.

*Maximum penalty for family of 4 is $975 or 2% of household income, whichever is greater.

Child Adult Family of 4

$325$975*

$162.50

2015 Uninsured Tax Penalties

Those who do not have health insurance may find that they will incur a penalty as they file their taxes at the end of the year. Penalties in 2015 are $325 per adult and $162.50 per child. A family maximum of $975 is in place for 2015, or 2% of their household income, whichever is greater.

In 2016, the penalties will go up to $695 per adult and $347.50 per child up to a family maximum of $2085, or 2.5% of household income, whichever is greater.

2015 Uninsured Tax Penalties

$95 per adult and $47.50 per child (up to a family maximum of $285) ... or 1% household income, whichever is GREATER

$325 per adult and $162.50 per child (up to a family maximum of $975) ... or 2% household income, whichever is GREATER

$695 per adult and $347.50 per child (up to a family maximum of $2,085) ... or 2.5% household income, whichever is GREATER

2014 2015 2016

Penalties are increasing

Maximum penalty rules for 2015-2016 for a family of 5 have not yet been released by the IRS.

6

When and How to Enroll in 2015 Plans

All Americans MUST have health insurance or face a penalty*Must purchase during Open Enrollment Period: Nov. 15 - Feb. 15 (unless purchasing through your employer or have a qualifying life event like a new baby)

*With some exceptions – to learn more, visit healthcare.gov.

How and when to enroll

If you need a plan starting… Buy it…Jan. 1, 2015 Nov. 15-Dec. 15, 2014Feb. 1, 2015 Dec. 16, 2014 – Jan. 15, 2015Mar. 1, 2015 Jan. 16 – Feb. 15, 2015

Why Humana? If your prospects ask “Why Humana?” here are some reasons why:

• Humana is one of the largest health plan providers in the country

• Humana offers many health insurance options to choose from

• And along with your insurance come some special services:

> MyHumana on Humana.com gives you 24-hour secured, personal access to details about your benefits, costs, claims history and more – online anytime.

> MyHumana Mobile app is available to help you stay connected through your smartphone while on the go.

> HumanaFirst® Nurse Advice Line is a toll-free number you can call 24 hours a day, seven days a week, to talk to a registered nurse who can help you decide which level of care is right for you. Should you visit an urgent care center, a convenient care center or the emergency room? Or can you just wait until your doctor’s office is open?

How does enrollment work in markets where Humana plans are available in the state Marketplace?Here’s what the enrollment process looks like in markets where Humana plans are available in the state Marketplace:

To enroll clients through Humana’s website:1. Sign in

2. You can still run a quote and interact with our online enrollment process

3. Once you initiate an enrollment for a plan listed on a state exchange, you’ll be seamlessly directed to the marketplace website to determine your client’s subsidy eligibility

4. After subsidy eligibility is determined, you’ll be sent back to Humana.com to complete plan selection and enrollment

5. You’ll just sign in to Humana.com, and we’ll automatically direct you from there to take you through the process

6. Tools available via our Agent Workbench, like our AOA and AIA processes, will be modified to comply with ACA

Enrolling via Marketplace sites:1. Consumer signs in directly to Marketplace

2. Agent assists consumer with eligibility application

3. Agent assists consumer in comparing plans and completing the application

4. Consumer enters agent’s identification information so agent receives credit for sale

5. Marketplace sends information to Humana

7

Selling Strategies

The following tips will help you be successful selling in the individual product market.

1. Begin early – Even though the Open Enrollment Period doesn’t begin until November 15th, you can work to establish yourself as a knowledgeable resource by holding educational seminars or utilizing the Health Insurance education email templates prepared for you (see Lead Generation Tools section of this guide). Many of the currently uninsured looked at plans last year but could not decide in time.

2. Be consistently visible – Consumers in this market will largely be unaware of their opportunity to buy or switch plans during this Open Enrollment Period, so it is important to keep your message in the market frequently and in various formats. In addition, some consumers are procrastinators so communicating in the last couple weeks and days of the period will help you to connect to those who have put off the decision until the end of the period.

3. Be an educator – Because consumers are largely unaware of the financial assistance that is available or the penalties they could face if they don’t purchase insurance, you can be a hero by bringing these things to their attention. See the email series on page 19 and seminar PowerPoint presentation on page 13 for talking points.

4. Take care of your current book of business – Contact your current customers early to ensure that they are happy and that they have used their benefits. The insurance education emails provide messages. Know what, if anything, is changing in 2015 for them and discuss it with them openly. Reassure them that they do not have to do anything to continue their existing coverage – their plan continues as long as they continue to pay their premiums.

5. Get referrals – When you contact your current customers, always ask if they know of anyone who may benefit from having the type of health insurance they do.

6. Multi-touch approach – Cultivating a prospect may take several points of contact. That’s why we’re providing several touch points in the materials on page 16.

7. The pre-approved materials in this catalog are created for your convenience in accordance with insurance marketing best practices. They may save the expense and time of creating your own materials, since any use of Humana name, logo, or mention of Humana’s plans, premiums, benefits or services must be approved by Humana.

Using the Campaign Materials We have created a variety of direct response advertising tools for you to use during open enrollment. There is a campaign developed to help you promote seminars and another intended to encourage personal consultations. You will notice that some of the campaigns are for the general audience while another is intended specifically for families with children or the young invincible audience.

We recommend you try a mix of materials and audience targets to increase your exposure and opportunities for lead generation.

Purchasing Print MediaWhen placing a print ad, be sure to gather information about the publication where you are placing an ad. These tips should be helpful when purchasing print media:

1. Make sure the publication reaches your target audience. Publications should be able to supply demographics on their audience, which can aid in your decision-making.

2. Advertise in community sections and/or family-centered publications. Many communities have local publications, which can serve as great outlets to deliver your message to the consumer in your local area.

3. Plan your marketing campaign in advance. If you know you will run your ad in a publication multiple times, ask the rep for information on their frequency discounts.

NOTE: The pre-approved materials in this catalog are created for your convenience in accordance with insurance marketing best practices. They may save the expense and time of creating your own materials, since any use of Humana name, logo, or mention of Humana’s plans, premiums, benefits or services must be approved by Humana.

Important messages this year:• Financial assistance awareness

• Let me help you avoid a possible increased tax penalty for not having health insurance in 2015

• Educate about the benefit of insurance and how to use it

8

HMOs, EPOs and PPOs

Be the expert – know the differences

The different types of plans can be confusing. But Humana has developed some tools to simplify this discussion with your clients.

New Consumer Educational Plan brochureThis 8-page customizable booklet explains the different plan types, defines basic insurance terms and describes the new Humana plans.

You can find it in the Marketing Resource Center, where you can customize it with your personal contact information, and order or download to conveniently print locally. Or click on the form number below to view the document.

Form Number/Spanish StateGCHJ2YYEN / GCHJ2YYSP AL & MO

GCHHY9GEN / GCHHY9GSP AZ, LA, MI, OH, UT

GAHHN7TEN / GAHHN7TSP GA

KYHJ2VZEN / KYHJ2VZSP KY

FLHHN7REN / FLHHN7RSP FL

GCHHN7TEN / GCHHN7TSP MS & TN

TXHHY9VEN / TXHHY9VSP TX

ILHHY9WEN / ILHHY9WSP IL

COHHY9XEN / COHHY9XSP CO

GCHHY9SEN / GCHHY9SSP IN, KS, NC, NV, OK, VA, WI

The majority of markets will have Humana HMOs and PPOs, and/or EPOs in Texas. Here’s how they differ:

HMO - Health Maintenance Organization*• Local network of physicians, hospitals, and specialists

offering services at a reduced fee

• Members must choose a primary care physician (PCP) from the network who helps coordinate care

• Members must get a referral to see an in-network specialist, go to an urgent care facility and for hospitalization, with few exceptions

• No coverage for providers outside of the HMO network, i.e. patient is charged the full fee with the exception of medical emergencies

EPO – Exclusive Provider Organization • EPOs, sometimes referred to as open-access HMOs, use

a local network of physicians, hospitals and specialists

• Somewhat of a hybrid between an HMO and a PPO

• Only cover in-network doctors, specialists or hospitals (except emergencies like HMOs)

• Referrals and PCP selection are not required (like PPOs)

PPO – Preferred Provider Organization* • Referrals are not required to see a specialist

• Offers the freedom to receive care from any provider of choice, but members save money by choosing those in the network

• Monthly premiums are typically higher than HMO due to the increased flexibility

Bottom line ... HMOs are the most affordable option. EPOs allow direct access to any in-network providers. PPOs cost a little more but allow members more choices for when and where they can access healthcare. There are different plans in different metallic tiers and levels of cost and benefits to meet the different needs of your customers.

GCHHY9GEN 814

Humana.com

Arizona

Georgia

Kentucky

Louisiana

Michigan

Missouri

Ohio

Utah

Health insurance todayYour guide to choosing health coverage

http://apps.humana.com/marketing/documents.asp?file=2485431












http://apps.humana.com/marketing/documents.asp?file= 2485470








9

Humana’s HMOsEncourage a strong relationship with a primary care physician who will refer to other healthcare providers, like specialists, urgent care centers and hospitalization, when needed.• Affordable particularly in the lower metallic plan tiers • Offered in markets where we are most competitively

priced both on- and off-exchange • Off-exchange plans include embedded children’s dental • The Rx network is “Select Rx,” which includes the

convenience of two major retail pharmacies: CVS/pharmacy and Walmart pharmacies like Walmart, Sam’s Club, Neighborhood Market, and Walmart Express. A mail order option, RightSourceRx.com, is also considered “in-network.” If members use an out-of-network pharmacy, there is no coverage. *HMO Premier plans are offered in some states. Referrals and PCP selection are not required for members who purchase a Humana Premier HMO plan.

• On-exchange plans have silver tier cost-sharing options

Humana’s EPOs (Texas only)• Referrals and PCP selection not required• Must use providers from the plan’s network to be

covered, except for certain types of care not available from network providers or for medical emergencies.

• The Rx network is “Select Rx” which includes the convenience of two major retail pharmacies: CVS/pharmacy and Walmart pharmacies like Walmart, Sam’s Club, Neighborhood Market, and Walmart Express. A mail order option, RightSourceRx.com, is also considered “in-network.” If members use an out-of-network pharmacy, there is no coverage. On-exchange plans have cost-sharing options.

Humana’s PPOs • Offers freedom to choose any doctor, hospital or

specialist to receive care from • Referrals not required whether in- or out-of-network• Offer out-of-network coverage at a higher out-of-pocket

cost than in-network • The Rx network is “National Rx.” Members can choose

from more than 60,000 participating pharmacy locations – from independent pharmacies to major chains. A mail order option, RightSourceRx.com, is also available to members. *PPOx plans are offered in some states. PPOx plans include a broad network of local healthcare providers. Members can receive care from any provider of choice, but can save more money by choosing those in the network. The Rx network for PPOx plans is “Select Rx,” which includes two major retail pharmacies: CVS/pharmacy and Walmart pharmacies like Walmart, Sam’s Club, Neighborhood Market and Walmart Express. A mail order option, RightSourceRx.com, is also considered “in-network.” If members use an out-of-network pharmacy, there is no coverage.

• The off-exchange product includes embedded children’s dental

Humana 2015 plans

All new Humana plans are Qualified Health Plans, guaranteed issue, include the new required Essential Health Benefits, and are generally available in all metallic tiers.

Check your area’s benefit summaries and product availability grid on page 11 for the plans in your area.

Likely prospects: those already using local HMO doctors and hospitals, and who like the idea of working with their PCP to coordinate their healthcare with specialists

Likely prospects: Those already using doctors and hospitals in our EPO network and those who want direct access to in-network providers without a referral

Likely prospects: those already using doctors and hospitals in our PPO network and those who want freedom to choose

HMOs, PPOs and EPOs are offered with many tier, coverage and price options: • Basic (catastrophic) tier, for those under 30 or those

with certain hardship situations, have high deductibles. The plan includes copays for doctor visits; otherwise the member has 100% coverage after they meet their deductible. The advance tax credit is not available with this tier, but the premium will be lower.

• Bronze plan will be the lowest-priced plan where the advance premium tax credit can be used. Appeals to those looking to just “comply with the insurance mandate.”

• Silver is the only plan tier where those who qualify can apply a cost share reduction subsidy and the advance premium tax credit.

• Gold and Platinum tiers have higher premiums, but much lower deductibles, copays and maximum out of pocket.

10

Humana 2015 plan names

Humana’s new 2015 product names have been streamlined to incorporate the metallic tier, the plan’s individual medical deductible, the network name and product type.

Plan names describe important details of the plans: Humana <metallic tier> <$deductible> <Network area/type>Our plan names include some of the details you will want to consider in making a selection. These include:

The metallic tier – Basic, Bronze, Silver, Gold or Platinum. (Bronze might have the lowest premiums and the highest out-of-pocket costs. Platinum plans generally have the highest premium payments, which buys you lower out-of-pocket costs when healthcare services are received.)

The individual medical deductible amount (again, that is the cost you would be responsible for)

The network name as it is listed in the provider directory and the member’s ID card. Some networks serve a specific area and others are national in scope.

The type of plan, HMO, PPO or EPO

Example:Humana Gold $4600 Atlanta HMOx

Exciting opportunities with CVS• Humana has an in-store opportunity with CVS, giving

agents increased exposure

• In the 15 “on-exchange” states, discounts will be offered by CVS to members with Humana HMO, EPO and PPOx plans (AL, AZ, CO, FL, GA, IL, KY, LA, MI, MO, MS, OH, TN, TX, UT)

Beyond the new state marketplace system – or “off-exchange” (IN, KS, NC, NV, OK, VA, WI):• Even if we aren’t on your state’s marketplace, off-

exchange markets remain very important to our business and yours!

• A large portion of business is projected to be off- exchange

• 80% projected to be from agents!

11

Humana is offering new 2015 individual medical plans in these 22 states.

Humana 2015 markets

Participate in the Health Insurance Marketplace for 2015

7.3 million uninsured consumers within our three target segments

Will sell individual medical plans outside of the Health Insurance Marketplace in 2015

Click on your state abbreviation to link to and view the Humana product offering.
























12

Marketing Health Insurance Best Practices

Audiences: The lead generation marketing tools we have developed target the following three audience segments:

• Boomers (age 50-64) – An important audience segment that values insurance because they seek healthcare services more frequently. They also are the most likely audience to value/prefer human contact to help them understand plans. This audience also offers opportunities for transitioning to Medicare as they age.

• Families (age 35-50) – Families are targeted because the adults have an inherent desire to take good care of their children. The security of being insured is an important catalyst to buy.

• Young Invincibles (age 18-34) – While this audience is not the most eager to own insurance, they will be motivated to buy because of the penalty they could incur if they remain uninsured and the financial assistance they may qualify for.

Many of the materials are written to appeal to all audiences.

Messages: The primary marketing message is centered on financial assistance.

Seminar Best PracticesHumana has found seminars to be successful marketing tools for many years in the Medicare marketing arena and has created a “seminar in a box” for use in the individual under-65 market. Consider the best practices and suggestions below when planning, conducting and following up on seminars.

• Seminars are likely to work best for the Boomer population. Younger families may attend if convenient.

• Promote seminars 7-10 days in advance of the event, mailing postcards, emailing e-vites, placing ads and posting posters in high traffic areas for your target audience like community centers, coffee shops, libraries, pharmacies and fitness centers

• Coordinate with your Humana representative

• Add your seminar to GetHealthcareInfo.com/addevent listing of community events • Complete the short request form.

• You will receive notification within 2 business days.

• Schedule seminars at various times throughout the day to catch people when they are available.

• Choose a central location with easy parking.

• Be sure to staff your seminar to include a “roamer” who can help late arrivers sign in, offer help to those who may not be following along, field questions, and schedule one-on-one appointments after the seminar.

• After the seminar, follow up with every attendee within two days.

• Report the results of your seminar via the Humana survey link https://www.surveymonkey.com/r/IndividualInsuranceMarketingSurvey

Marketing Materials• The materials listed below are available for downloading

from the Marketing Resource Center. • After downloading, print at your preferred printer in

quantities to support your marketing efforts.

• Each piece can be personalized with your

• Name

• Phone Number

• Email Address

• URL (select pieces) The pre-approved materials in this catalog are created for your convenience in accordance with insurance marketing best practices. They may also save the expense and time of creating your own materials, since any use of Humana’s name, logo, or mention of Humana’s plans, premiums, benefits or services must be approved by Humana.

http://GetHealthcareInfo.com/addevent

https://www.surveymonkey.com/r/IndividualInsuranceMarketingSurvey


13

Orderable Signage

6" x 3" grommeted Outdoor bannerBefore ordering, please confirm the ability to hang this banner on the exterior of a building. Same content is available for download to print locally in 11"x17", 16"x20", 38"x18" poster sizes.GCHHLQUHH

Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., or Humana Health Benefit Plan of Louisiana, Inc. or o�ered by Humana Medical Plan Inc., Humana Employers Health Plan of Georgia, Inc., or Humana Health Plan of Texas, Inc. For Arizona residents: Insured by Humana Insurance Company. For Texas residents: Insured by Humana Insurance Company or o�ered by Humana Health Plan of Texas, Inc.Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.

ENROLL HERE

Appointed Agent for Humana

How to Buy Health Insurance Seminar

How to Buy Health Insurance What you need to know

Seminar PPT - State-Specific Product ListingsGNHHN94EN_<Your State>_0914

Customize in the Marketing Resource Center and download to print locally.

12" x 12" Window clingInside facing - GN46051HOOutside facing - GCHHPWREN

Appointedhealthinsuranceagent

GN46051HO 7/13

HUIN2750 – 8.5” x 11” – 4C – Single Agent

Before you spend money on a health plan, spend some time with a licensed insurance agent.I can answer your questions and give you information about health insurance plans you can buy that fit your family and budget.

You can even find out if you qualify for financial assistance.

Call me today to set up a private appointment or to register for an upcoming, FREE seminar. You’ll learn if you’re eligible to have your premiums or costs lowered.

Get help with health insurance

How to Buy Health Insurance <Seminar location><Address><Day(s)><Time(s)>

Humana licensed agent <Name> <000-000-0000> <Email address /website>

FreeSeminar

Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GCHJ2L2EN_SEM_FLYER

Seminar 8.5" x 11" FlyerGCHJ2L2EN_SEM_FLYER

GNHHN94EN_CO_0814 IMM CO Insurance Seminar GNHHN94EN_MI_0922 IMM MI Insurance SeminarGNHHN94EN_UT_0922 IMM Pre-Nov UT Insurance SeminarGNHHN94EN_TX_0923 IMM Pre-Nov TX Insurance SeminarGNHHN94EN_OH_0922 IMM OH Insurance SeminarGNHHN94EN_IL_0922 IMM IL Insurance SeminarGNHHN94EN_KY_0922 IMM KY Insurance Seminar

GNHHN94EN_LA_0922 IMM LA Insurance SeminarGNHHN94EN_AZ10-10 IMM AZ Insurance SeminarGNHHN94EN_FL_0922 IMM FL Insurance SeminarGNHHN94EN_GA_0914 IMM GA Insurance SeminarGNHHN94EN_AL,TN0914 IMM AL & TN Insurance SeminarGNHHN94EN_MO,MS0914 IMM MO & MS Insurance Seminar

State Seminar Links














14

*Source: Department of Health & Human Services. “Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014.” Humana Individual plans are Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GNHJ2GSEN

Need help? There’s no extra cost to you.I can help you choose and enroll in a plan. And avoid costly penalties.

I can also help you find out about financial assistance. • A lot of people pay less than half of their premiums.

• Nearly 90 percent of those buying through the Health Insurance Marketplace cut their 2014 premiums by 76 percent on average.*

Call to discuss or sign up for this FREE seminar.

<Agent name>, Licensed Sales Agent <Phone number> <E-mail address>

<Street address/PO Box><City, State, ZIP> <Postage

required>

< Health Insurance Made Easy Seminar> <Day, Date, Time> <Venue Name> <Street address> <City, State, Zip>

Seminar 11"x 5.5" Postcard - GNHJ2GSENGNHJ2GSSP

Now’s the time to find the right health plan for you.Let us help

Free SeminarHealth Insurance Made Easy

Seminar Kit

Boomers/General Audience






Humana licensed agent<Name> <000-000-0000> <Email address /website>

FreeSeminar

Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GCHJ2L2EN_SEM_POSTER

Seminar 11" x 17" Poster - GCHJ2L2EN_SEM_POSTERGCHJ2L2SP_SEM_POSTER

<Agency/Partner Name><Street address/PO Box><City, State, ZIP>

<Postage required>

GCHJ2DREN_SEM



Seminar Bi-fold Self-mailer - GCHJ2DREN_SEMGCHJ2DRSP_SEM


IMPORTANT NOTE:These materials are downloadable ONLY. You will need to print locally.

*Department of Health & Human Services. Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014. Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.

GCHJ2DREN_SEM

<Agent name> Licensed Humana Sales Agent <Phone number> <E-mail address>

Need help choosing an insurance plan?

I’m a licensed Humana sales agent and I am here to help.Now is the time to enroll in a new individual health plan or switch from your current one.

I can help you choose a new plan that suits your needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. And, you don’t pay more for using my services.

I can also help you find out if you qualify for financial assistance. Nearly 90% of people who bought a plan through the Health Insurance Marketplace cut their 2014 premiums by an average of 76%.*

And since Humana offers many plans that may be affordable and are designed to keep you healthy and take care of chronic conditions, there’s sure to be one that’s right for you.

Call me today. We can talk about what you need or you can sign up for Health Insurance Made Easy, a FREE seminar that will show you how to maximize your savings, while choosing a plan that meets your healthcare needs.

Health Insurance Made Easy seminar <Day, Date, Time> <Venue Name> <Street address> <City, State, Zip>

Downloadable in Spanish!

15

Seminar E-vite Email - GCHJ2DREN_EGCHJ2DRSP_E

Seminar Flyer - GCHJ2L2EN_SEM_FLYERGCHJ2L2SP_SEM_FLYER

Seminar 8.5" x 17.75" Print ad - GCHJ2DREN_ADGCHJ2DRSP_AD








FreeSeminar

Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GCHJ2L2EN_SEM_FLYER

HUIN2750v6_SingleAgentFlyer.indd 1 9/24/14 11:51 AM

Seminar 8.5" x 11" Take One Flyer - GCHJ2L2EN_SEM_TAKE_ONEGCHJ2L2SP_SEM_TAKE_ONE

HUIN2750 – 8.5” x 11” – 4C – Single Agent Tabbed

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>


FreeSeminar

Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GCHJ2L2EN_SEM_TAKE_ONE






HUIN2750v6_SingleAgentFlyer.indd 2 9/24/14 11:51 AM

Seminar Letter - GCHJ2DREN_LGCHJ2DRSP_L

HUIN2632-3 – 8.5” x 11” – B&W – Letter – Front

Hello,

My name is <Name> and I’m a licensed Humana sales agent. Now is the time to enroll in a new individual health plan or switch from your current one.

I can help you choose a new plan that suits your needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties.



Call me today. We can talk about what you need or you can sign up for Health Insurance Made Easy, a FREE seminar that will show you how to maximize your savings, while choosing a plan that meets your healthcare needs.

<Agent name>, Licensed Humana Sales Agent <Phone number> <E-mail address>


<Date> <Agency Name> <Street address/P.O. Box> <City, State, Zip>

HUIN2632-5 – 8.5” x 17.75” – 4C – Ad

*Department of Health & Human Services. Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014. Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker. GCHJ2DREN_AD

I’m a licensed Humana sales agent. I can help you choose a new plan that suits your needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. And, you won’t pay more for using my services.

I can also help you find out if you qualify for financial assistance.

Nearly 90% of people who bought a plan through the Health Insurance Marketplace cut their 2014 premiums by an average of 76%.*

Call to learn more or sign up for this FREE seminar.





HUIN2632v2-5_Ad.indd 1 10/3/14 5:14 PM

Seminar Kit


(can be reduced to 7" x 10")




16

11" x 5.5" Postcard - GNHJ2GSEN_MPCGNHJ2GSSP_MPC


Bi-fold Self-mailer - GCHJ3XFENGCHJ3XFSP

Letter - GNHJ3XGENGNHJ3XGSP


Hello,

My name is <Name> and I’m a licensed Humana sales agent. Now is the time to enroll in a new individual health plan or switch from your current one.

I can help you choose a new plan that suits your needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. And, you won’t pay more for using my services.



Call me today for a personal consultation. Together we can find a plan that’s right for you and determine how much financial help you might be eligible for. I am happy to talk with you on the phone or visit you in the comfort of your own home.


<Date><Agency Name><Street Address / PO Box><City, State Zip>

Email - GNHJ3XHENGNHJ3XHSP

Multi-Touch Campaign #1




GCHJ3XFEN

HUIN2784-1 – 11” x 8.5” flat (8.5” x 5.5” folded) – 4/4 – Exterior


HUIN2784v3-1_DM.indd 210/27/14 10:34 AM

*Department of Health & Human Services. Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014. Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker. GCHJ3XFEN



I’m a licensed Humana sales agent and I am here to help.

Now is the time to enroll in a new individual health plan or switch from your current one.

I can help you choose a new plan that suits your needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. And, you won’t pay more for using my services.



Call me today for a personal consultation. Together we can find a plan that’s right for you and determine how much financial help you might be eligible for. I am happy to talk with you on the phone or visit you in the comfort of your own home.

HUIN2784-1 – 11” x 8.5” flat (8.5” x 5.5” folded) – 4/4 – ExteriorHUIN2784v3-1_DM.indd 1 10/27/14 10:34 AM



17



Flyer - GCHJ2L5EN_FLYERGCHJ2L5SP_FLYER

8.5" x 17.75" Print ad - (can be reduced to 7" x 10") GNHJ3XJEN_ADGNHJ3XJSP_AD




Call today to set up a private appointment.



Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GCHJ2L5EN_FLYER

HUIN2751v5_SingleAgentFlyer.indd 1 9/24/14 12:00 PM

Take One Flyer- GCHJ2L5EN_TAKE_ONEGCHJ2L5SP_TAKE_ONE

HUIN2751 – 8.5” x 11” – 4C – Single Agent Tabbed



Call today to set up a private appointment.

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

<Name>

<000-000-0000>

Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GCHJ2L5EN_TAKE_ONE



HUIN2751v5_SingleAgentFlyer.indd 2 9/24/14 12:00 PM

HUIN2784-5 – 8.5” x 17.75” – 4C – Ad

*Department of Health & Human Services. Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014. Humana Individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker. GNHJ3XJEN

I’m a licensed Humana sales agent. I can help you choose a new plan that suits your needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. And, you won’t pay more for using my services.

I can also help you find out if you qualify for financial assistance.

Nearly 90% of people who bought a plan through the Health Insurance Marketplace cut their 2014 premiums by an average of 76%.*

Call me today for a personal consultation.

Together we can find a plan that’s right for you and determine how much financial help you might be eligible for.



HUIN2784-5v1_Ad.indd 1 10/3/14 11:15 AM




18


Families

Families 11" x 5.5" Postcard - GCHJ2JYEN_PCGCHJ2JYSP_PC

Find out if your family can get help paying for insurance.

<Postage required>

GCHJ2JZEN_M_CO


Now’s the time to find the right health plan for your family.Let us help.

Families Bi-fold Self-mailer - GCHJ2JZEN_MGCHJ2JZSP_M

Families Letter - GCHJ2JZEN_LGCHJ2JZSP_L


Hello,

My name is <Name> and I’m a licensed Humana sales agent. Now is the time to enroll your family in a new health plan or switch from your current one.

I can help you choose a new plan that suits your family’s needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. And, you won’t pay more for using my services.


And since Humana offers many plans that may be affordable and are designed to help keep families healthy, there’s sure to be one that’s the right fit for yours.

Call me today for a personal consultation. Together we can find a plan that’s right for your family and determine how much financial help you might be eligible for. I am happy to talk with you on the phone or visit you in the comfort of your own home.


<Date> <Agency Name> <Street address/P.O. Box> <City, State, Zip>

Families Email - GCHJ2JZEN_EGCHJ2JZSP_E

Families 8.5" x 11" Print ad - Ad can be downloaded and printed as a flyer. (can be reduced to 7" x 10") GCHJ2JYEN_ADGCHJ2JYSP_AD

*Source: Department of Health & Human Services. “Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014.” Humana individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker. GCHJ2JYEN

You may be eligible for help, too.I can help you learn more.Your family could be paying less for health insurance.

• Nearly 90% of people who enrolled on the Health Insurance Marketplace were able to reduce their 2014 premiums by 76% on average.*

• 50% paid $50 OR LESS per month for their insurance plan.*

You don’t pay more by using an agent. Together, we can look at plans that fit your family’s health needs—and your budget. If you’re not insured, I can help you enroll in a plan and avoid costly penalties.

CALL NOW to see if your family can get help paying for health insurance. <Agent name>, Licensed Sales Agent <Phone number> <E-mail address>

4 million people have gotten help paying for their health insurance.*


*Department of Health & Human Services. Premium Affordability, Competition, and Choice in the Health Insurance Marketplace, 2014. Humana is pleased to offer health plans through Connect for Health Colorado. Learn more about Connect for Health Colorado and new financial assistance at ConnectforHealthCO.com. Humana individual plans are offered by Humana Health Plan, Inc., and/or insured by Humana Insurance Company. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.GCHJ2JZEN_M_CO


I’m a licensed Humana sales agent and I am here to help.

Now is the time to enroll your family in a new health plan or switch from your current one.

I can help you choose a new plan that suits your family’s needs; or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. And, you won’t pay more for using my services.


And since Humana offers many plans that may be affordable and are designed to help keep families healthy, there’s sure to be one that’s the right fit for yours.

Call me today for a personal consultation. Together we can find a plan that’s right for your family and determine how much financial help you might be eligible for. I am happy to talk with you on the phone or visit you in the comfort of your own home.




19

Young Invincibles Email - GCHJ3XRENGCHJ3XRSP

Mobile enrollment kitGCHHLQVHH

Everything needed to set up an event, including retractable vertical banner, collateral display stands, buttons, branded table wrap, pens

Available only through your Humana representative. Work with them to schedule use for your events.

Sales Collateral

Prospect Email - Tips for Using Individual InsuranceGCHJ333ENGCHJ333SP

Educational Emails

Email Campaign

Prospect Email - Help Paying for Individual InsuranceGCHJ332ENGCHJ332SP

Prospect Email - Tips for Choosing an Individual Insurance Plan GCHJ336ENGCHJ336SP

Current Member Email - Tips for Getting the Most from Your Individual InsuranceGCHJ335ENGCHJ335SP


Send these emails out to prospects and existing customers prior to the beginning of open enrollment or early in the open enrollment season. Each email is written to encourage the recipient to click through to your website or contact you by phone or email to learn more about the product.

IMPORTANT NOTE:These emails are downloadable ONLY.

20

Brochure Humana Individual products overview: medical, dental, vision, life and supplemental. (Also available as a flyer)GCHHMUBEN 0614GCHHMUBSP 0614

Preventive Health Guide GCHHYUTENGCHHYUTSP

Enrollment ChecklistGCHJ2LWENGCHJ2LWSP (Poster)

Physician Finder FlyerGCHHTS4ES

Answers to Health Insurance Questions brochure GCHHZSDENGCHHZSDSP

Brochures and flyers

*If you believe you may be eligible for a subsidy, you will need to visit the Health Insurance Marketplace. Enrolling outside the Marketplace will mean forfeiting your subsidy.

This information is only a high-level summary of certain provisions of the healthcare reform law. This information does NOT attempt to summarize all provisions of the healthcare reform law. This information is not and should NOT be used as legal or tax advice; it should not be used as a basis for decisions regarding how healthcare reform law will affect you and/or your business. Should you have any questions on how the healthcare reform law (including the high-level summary of certain provisions of healthcare reform) will affect you and/or your business, you should seek professional advice from attorneys or other advisors. These materials are for educational use only.

GCHHZSDEN

Answers to Health Insurance Questions

visit HumanaHelps.com

Why should I buy health insurance? • Under the Affordable Care Act, health insurance provides

100% coverage for preventive care like physicals and vaccines with a doctor in your plan’s network

• There are no added costs or exclusions for pre-existing conditions

• Children up to age 26 can stay on your plan

GCHHZSDEN

visit HumanaHelps.com

Answers to Healthcare Reform Questions

Will my current plan change?There may be changes to your plan to make sure it covers things the new law requires, like:

Children up to age 26 can stay on your plan

No added cost or exclusions for kids with

pre-existing conditionsThis is true for adults beginning in 2014

100%coverage for preventive care like physicals and vaccines with a doctor in your plan’s network

*If you believe you may be eligible for a subsidy, you will need to visit the Health Insurance Marketplace. Enrolling outside the Marketplace will mean forfeiting your subsidy.

This information is only a high-level summary of certain provisions of the healthcare reform law. This information does NOT attempt to summarize all provisions of the healthcare reform law. This information is not and should NOT be used as legal or tax advice; it should not be used as a basis for decisions regarding how healthcare reform law will affect you and/or your business. Should you have any questions on how the healthcare reform law (including the high-level summary of certain provisions of healthcare reform) will affect you and/or your business, you should seek professional advice from attorneys or other advisors. These materials are for educational use only. It should not be used as a substitute for professional medical advice, diagnosis or treatment. YMCA is a registered trademark of YMCA of the USA. YMCA of the USA is a not-for-profit corporation, and an organization exempt from federal income taxation under Section 501(c)(3) of the Internal Revenue Code of 1986. YMCA of the USA does not endorse any of the products or services mentioned in this material.

GCHHP3AEN

visit Humana.com/HealthcareForYou

100%coverage for preventive care like physicals and vaccines with a doctor in your plan’s network

visit Humana.com/HealthcareForYou

Who can help me?

A licensed insurance agent can give you advice about which plan is right for you and can help you see if you qualify for financial help for insurance. It doesn’t cost any more to talk with an agent. You get personal, one-on-one service to help you make the right choice for you and your family.

Call me:Licensed Humana Agent

[Agent Name]

[xxx-xxx-xxxx]

[Agent email]

[Agent website]

[Agent producer #]

Humana Individual plans are Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado.Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.

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Whether you’re shopping for health insurance or you’re already a Humana member, our online Physician Finder helps you quickly see if your doctor, pharmacy, hospital or other specialist is in your network.

Find out:• Doctor’sspecialty

• Ifdoctorisacceptingnewpatients

• Languagesspoken

• Maps/directionsthatcanbetextedoremailedtoyou

Finding your doctor is easy with Humana’s Physician Finder

FindadoctorthatfitsyourneedsatHumana.com/PhysicianFinder

1. Go to: Humana.com/PhysicianFinder

A Shopping for health insurance? Select your coverage type, enter your ZIP code, then select a network.

Already a member? Simply enter your member ID. From there you can find all of the providers in your network.

2. Select all for a general search. Or be more specific by choosing physician name, specialty or condition. You can also see a list of participating hospitals by typing in the word hospital.

Entername,symptom,conditionorspecialty

*Search

Search

All hospital

JustLooking MemberID

Thephysicianlistvariesbynetwork.Tohelpusnarrowthesearch,chooseacoveragetype,andenteryourhomeZIPcode.Thiswillgiveyoualistofnetworkstoselectforyoursearch.

MemberID

Thephysicianlistvariesbynetwork.Tohelpusnarrowthesearch,chooseacoveragetype,andenteryourhomeZIPcode.Thiswillgiveyoualistofnetworkstoselectforyoursearch.

JustLooking


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Count on Humana

Protection for individuals and families

Humana has plans and extras to help you take control of your health and make the most of your personal goals.

For more information about Humana plans contact <Joe Agent at XXX-XXX-XXXX>

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Health Plan Enrollment Checklist

Your enrollment calendar.If you need a plan starting… Buy it…January 1, 2015 November 15 – December 15, 2014February 1, 2015 December 16, 2014 – January 15, 2015March 1, 2015 January 16 – February 15, 2015

Gather the information you need.• Social Security numbers of everyone who will be on your plan • Income information: A recent W-2 or pay stub will do• Current health insurance policy number, if applicable• Names of your current doctors, if applicable• Names of your current medications, if applicable

Decide how you are going to apply.• Online• By phone• Through the mail• With the help of an assister or a licensed sales agent

Compare your options. Five tiers of plans are available, each with different cost and benefit features:

• Platinum• Gold• Silver• Bronze• Basic/Catastrophic

Enroll.Depending upon when you submit your application, you could be covered as early as the beginning of the month after you apply.

Remember, an agent can help you:• Find out if you’re eligible for financial help• Understand the differences between plans• Choose a plan• Enroll in a plan

All at no additional cost to you!


Healthcare is for Everyone brochure GCHHZRHEN GCHHZRHSP

Family size

Combined household income (premium subsidy threshold/400%

of FPL*)

Total household hourly earnings

Up to $46,680 Approx. $22.00/hr.

Up to $62,920 Approx. $30.00/hr.

Up to $79,160 Approx. $38.00/hr.

Up to $95,400 Approx. $45.90/hr.

Up to $111,640 Approx. $53.70/hr.

Up to $127,880 Approx. $61.50/hr.Eligibility is based on household income and size for plans sold on the Health Insurance Marketplace or a state exchange. Total household hourly earnings: Income divided by 52 weeks, 40 hours per week. *Federal Poverty Level

• Nov. 15, 2014 – Open enrollment begins• Dec. 15, 2014 – Enrollment deadline to be

guaranteed coverage on Jan. 1, 2015• Feb. 15, 2015 – Open enrollment endsThese dates are important because if you don’t have health coverage during 2015, you may have to pay a fee. The fee in 2015 is higher than it was in 2014 – 2 percent of your income or $325 per adult/$162.50 per child, whichever is more.Like to know more? Contact me to find out if you qualify for financialassistance. I can help you find a plan that best fitsyour needs and budget.

You may be eligibleWhat you should know Today, help is available for many individuals and families to offset the cost of healthcare premiums and out-of-pocket expenses.

In fact, nearly 85 percent of the 5.4 million individuals purchasing coverage through the Health Insurance Marketplace were eligible for tax credits or subsidies. On average, this lowered consumer premiums by 76 percent.*

What does this mean for you? It means you may qualify for financial assistance and lower out-of-pocket costs that could help make healthcare coverage more affordable. Take a look at the chart to see if you may qualify.

Coverage no matter what You can get health insurance even if you have diabetes, asthma or another chronic condition. Plus, Humana plans include prescription drug coverage as well as coverage for preventive services when provided by a network physician.

You’re covered for the unexpected Humana wants you to stay healthy, so our plans encourage you to have regular preventive check-ups with your doctor and help you budget for routine care. However, even a short hospital stay can cost thousands of dollars. In fact, according to the National Institutes of Health, the average cost per hospital stay is more than $9,700.

The time to enroll is now!There are a few important dates to know:

* Department of Health & Human Services, “Health Insurance Marketplace: Summary Enrollment Report for the Initial Annual Open Enrollment Period”

Humana individual plans are insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc., Humana Health Plan, Inc., Humana Health Plan of Texas, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc. For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.

Financial assistance may be available

Healthcare is for everyone

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[[AgentName]]

[[AgentPhone]]

[[AgentEmail]]

Most downloadable in Spanish!

21

Expand your product portfolio and your client base.Join <Agency Name> and experience first-hand how becoming a licensed Humana sales agent offers unparalleled opportunities for your business.

Humana also offers:• High commissions • Agent support staff • Lead generation support with customizable marketing materials • High-demand products such as individual medical, dental and vision

Call <Agency> today for details about becoming a licensed Humana sales agent.

<Contact phone number>

<Agency Name><Street address/PO Box><City, State, ZIP>

<Postage required>

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Agent Recruitment

Agent Recruitment EmailGCHHZZEEN_E

Agent Recruitment FlyerGCHHZZEEN_F

Agent Recruitment PostcardGCHHZZEEN_PC

Grow your business with us. Expand your product portfolio and your client base.Join <Agency name> and experience first-hand how becoming a licensed Humana sales agent offers unparalleled opportunities for your business.

Give your clients the products they want and get access to the tools you need to make your job easier. From customizable marketing materials to a dedicated customer service team, being a licensed Humana sales agent helps you build your business and better serve your clients.

Humana also offers:• High commissions • Agent support staff • Lead generation support with customizable marketing materials • High-demand products such as individual medical, dental and vision

Call <Agency> today for details about becoming a licensed Humana sales agent.

<Contact phone number>

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Grow your business with us.



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Additional Tools and Resources

Tracking and ReportingWe value your feedback. In exchange for the use of these materials, Humana asks that you provide information about the volume of leads and sales resulting from them using the short survey link below. This will help us gauge their effectiveness and continue to build upon the success of these materials.


If you do not have a tracking system in place to monitor this activity, please consider logging the information, simply asking a caller how they heard about you and filling in what information you can using the survey link above.

How to Access and Customize MaterialsThe materials in this guide are available through the Marketing Resource Center ordering system in the agent portal or through agent workbench. In addition, you can find the following:• Benefit summaries• Product availability grids• Supplemental plans materials• Applications and promotional materials

Tools to Help You Be an Expert• Quarterly Webinars• Agent Expo Center

http://vshow.on24.com/vshow/humana#home• Agent Workbench• New Humana.com/HealthcareForYouHumana’s new website featuring articles, videos and infographics to help understand insurance and the changes resulting from healthcare reform.• New MarketPoint Agent University! Access from

Humana.com, click on the agent tab to access the Agent Portal.

• Stay Smart Stay Healthy VideosHealthcare: What It Means To You http://www.youtube.com/playlist?list=PLPXxOv6jQVSQ7k1jq3OM2mXzxq2ZY3XBYHow Can You Get the Most Out of Your Health Insurance? http://youtu.be/-5rUVkRK7zIHow Do I Choose the Healthcare Plan That is Right For Me? http://youtu.be/ai38NtMyJwkHow Do You Budget For Healthcare? http://youtu.be/W_UPeQMHU5E

What is the HumanaOne Accident Benefit Plan? http://youtu.be/K-p3TDkfT9

• Humana’s Healthcare For You Emag Humana.com/hc4u

Important contacts and websites• Agent service center

[email protected] 1-800-309-3163 Monday – Thursday 7 a.m. – 7 p.m. Central time Friday 7 a.m. – 6 p.m. Central time

• Application team 1-800-552-0758

• Billing and premium 1-800-458-1354 1-800-833-6917

• Health claims and customer service 1-800-833-6917

• Dental claims and customer service 1-866-537-0232

• Secured agent quoting: HumanaOne Agent Workbench Humana.com > Sign-in > Select “HumanaOne Agent Workbench”

• e-Query HumanaOne Agent Workbench > Select “e-Query/Ask an Underwriter”

• Unsecured quoting: humana.com/agentquote

• Sales support materials, incentive information, sales news: HumanaOne Agent Workbench



http://humana.com/healthcareforyou

http://www.youtube.com/playlist?list=PLPXxOv6jQVSQ7k1jq3OM2mXzxq2ZY3XBY

http://www.youtube.com/playlist?list=PLPXxOv6jQVSQ7k1jq3OM2mXzxq2ZY3XBY

http://youtu.be/-5rUVkRK7zI

http://youtu.be/ai38NtMyJwk

http://youtu.be/W_UPeQMHU5E

http://youtu.be/K-p3TDkfT9

http://Humana.com/hc4u

This agent guide is designed to provide a general overview of products and the healthcare reform law as it relates to the individual health insurance market, with references and links to other resources. It does NOT attempt to cover all product details or all of the law’s provisions and should NOT be construed as legal advice.

We encourage you to seek any professional advice, including legal counsel and/or a professional tax consultation, regarding how the new requirements will affect you, your business or your client’s specific plans. Insurance and tax laws and interpretations of those laws are complex and subject to change. None of the information herein is intended or written to be used, and it cannot be used, for the purpose of avoiding taxes or penalties that may be imposed.

Confidential. For Humana or Humana Agent/Agency use only. This training material, including any subpart(s), is not to be used as marketing and is not to be provided to a prospect, an applicant, member, group or the general public.

Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., or Humana Health Benefit Plan of Louisiana, Inc., or offered by Humana Medical Plan Inc., Humana Employers Health Plan of Georgia, Inc., or Humana Health Plan of Texas, Inc., Humana Health Plan, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana Medical Plan of Utah, Inc.

For Arizona residents: Insured by Humana Insurance Company or offered by Humana Health Plan, Inc. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc.

These companies are Qualified Health Plan Issuers in the Health Insurance Marketplace, kynect, or Connect for Health Colorado.

Applications are subject to eligibility requirements. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.

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humana agent marketing guide - messer financial · 2020. 2. 28. · marketing guide 2014-2015 your...

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