TOP 5 THINGS YOU NEED TO KNOW ABOUT FLORIDA COMBINED LIFE
- We have the State’s #1 (Copayment) and #2 (Choice) plans in the STATE based on NETWORK and effective BENEFITS!
- Most competitors have a 12 month wait for major services, we offer 6!!
- Benefit Summary available to email clients info before they buy
- ONLY 4% of clients ever reach the OPMAX! They can have 2 cleanings, a filling, and a root canal and still have money roll over to next year. (Calculated: Market Rate – Contracted Rate= Claim Paid – that’s the figure used for OPMAX).
- Prepaid HMO: No waiting period, no deductible, no dollar limit, no claim forms, no exclusions for pre-existing. Narrow network (online).
Quick Reference for BlueDental Plans:
BlueDental Care FI315 Plan Benefit Summary
BlueDental Care Individual Plan FI315 – Pre-Enrollment & After Enrollment
Application/Change Form for Individual Insurance for BlueDental Choice/Copayment PPO
Accident
TOP 5 THINGS YOU NEED TO KNOW ABOUT USAble ACCIDENT PLAN
- Main Subscriber must be ages 19-64 at time of enrollment
- Cannot enroll after 65th birthday or prior to 19th birthday. (Primary cannot enroll after 65th birthday with minor dependent either)
- Must be age 19 to be primary subscribe
- 30% commission of first annual premium
- Wellness visit benefit
- 1st and 15th effective dates
- Has workplace knockout questions
Quick Reference for USAble Accident Plan:
USAble Life – Accident Brochure English
USAble Life – Folleto de Accidente de Vida en Español
Critical Illness
TOP 5 THINGS YOU NEED TO KNOW ABOUT USAble CRITICAL ILLNESS PLAN
- Immediate underwriting – 30 seconds to 1 minute processing
- Plan pricing almost doubles after age 59, best to have approaching age 60 enroll prior to birthday.
- Enrollees must be Ages 19-64
- Pre-existing clause, 12 month look back. Including pregnancy. Husband can be primary holder with baby filing claim. For hospital stay at birth.
- 30% commission of first year annual premium
Quick Reference for USAble Critical Plan:
USAble Life – Critical Illness Brochure English
USAble Life – Folleto de Enfermedades Graves en Español
Hospital Confinement
TOP 5 THINGS YOU NEED TO KNOW ABOUT USAble HOSPITAL CONFINEMENT PLAN
- Immediate underwriting – 30 seconds to 1 minute processing
- Plan pricing almost doubles after age 59, best to have approaching age 60 enroll prior to birthday.
- Enrollees must be Ages 19-64
- Pre-existing clause, 12 month look back. Including pregnancy. Husband can be primary holder with baby filing claim. For hospital stay at birth.
- 30% commission of first year annual premium
Quick Reference for USAble Hospital Confinement Plan:
USAble Life – Hospital Brochure English
USAble Life – Folleto de Estadias en el Hospital en Español
Vision
TOP 3 THINGS YOU NEED TO KNOW ABOUT VISION PLAN
- Enroll on VSP site, not Florida Blue.
- No child only policies
- Agent can email benefit structure, Q and As, and member card – keep on desktop for easy access
Ancillary Training Videos
- June 29 – Lunch and Learn w/Trista – GeoBlue with Jill Cappelli (Access Passcode: Murray#1)
- July 13 – Lunch and Learn w/Trista – FCL and USAble (Access Passcode: Murray#1)
Quick Reference for Ancillary Products
USAble Accident & Critical Illness Automatic Payment Authorization Form
- Form can be emailed to: custserv@usablelife.com