The affordable way to pay for healthcare expenses not covered by your regular health insurance

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1 The affordable way to pay for healthcare expenses not covered by your regular health insurance America s #1 option for individuals and families that have a $2,000 health insurance deductible or more Enroll in less than 5 minutes!

2 Average individual health insurance deductible $2,563 1 Average family health insurance deductible $3,456 2 That means you have to pay thousands of dollars out of you own pocket before your health insurance begins paying your medical bills. Some deductibles are $6,000-$12,000 Do you have enough cash to pay for medical services? 1 Kaiser Family Foundation. January 8, 2015, Medical Debt Among Insurance Consumers: The Role of Cost Sharing, Transparency, and Consumer Assistance

3 Broken Wrist ER visit $684-$5,481 Doctor visit $73-$194 X-ray and cast $390 Patient responsibility $1,147 - $6,065 If your health insurance company requires you to pay a $6,300 deductible first, this bill is entirely your responsibility. Colon Cancer Average cost $35,000-$80,000 $5,000 insurance deductible 80% co-insurance Insurance pays $23,000-$59,000 Patient responsibility $12,000-$21,000 (Not including extensive treatment or prescription drugs) 3

4 In the U.S., someone has a heart attack every 43 seconds, and recovery costs $129,000 on average. 1,2 The average cost for one day in the hospital ranges from $1,747 to $2, A cut that requires 10 stitches costs an average of $5, Medical debts account for a majority of debt collections (52%) that appear on consumer credit reports. 5 1 in 3 Americans struggle to pay medical bills 70% of those who do have health insurance 6 1 Centers for Disease Control and Prevention. Heart Disease Fact Sheet. 2 KevinMD.com. Why Does Treating Heart Attacks Cost So Much Money? Janice Boughton. December 7, Realtors Insurance Marketplace. How Much Does It Cost To Spend a Day In The Hospital? 4 The Advisory Board Committee. Why Does a Stitch Cost $500? December 5, Kaiser Family Foundation. January 8, 2015, Medical Debt Among Insurance Consumers: The Role of Cost Sharing, Transparency, and Consumer Assistance 6 Ibid

5 Cash benefits for what your health insurance doesn t cover* Diagnosis of a major illness Accidents Disability suffered during an accident Term life insurance Accidental death insurance Plus more benefits that help save you money! * Some benefits subject to a waiting period

6 6 With Pivot Health, If This Happens Cancer Heart Attack Stroke Kidney Failure and more! Car Accident Slip and Fall Broken Bones Concussion and more! = You Get Paid Without Pivot Health Illness diagnosis with no Pivot Health coverage Accident with no Pivot Health coverage = You Owe Money

7 Four Plans to Choose From Premier memberships provide cash benefits Premier One Two Three Four Critical illness insurance* $2,500 $5,000 $7,500 $10,000 Accident medical expense insurance* $2,500 $5,000 $7,500 $10,000 (Subject to Deductible) ($100) ($250) ($500) ($500 ) Term life insurance* $2,500 $5,000 $7,500 $10,000 Accidental death and dismemberment insurance* $5,000 $10,000 $10,000 $10,000 Accident disability income insurance* $1,000 $1,000 $1,000 $1,000 Discount Rx savings 70% 70% 70% 70% *Underwritten by Madison National Life Insurance Company, Inc., a Wisconsin insurance company.. All benefits terminate at age 70 and coverage is not available in all states. Accident medical expense benefits are reduced by benefits payable under other insurance plans. Additional exclusions and limitations apply and provisions may vary by state. Refer to policy form number GAO-P-1207 for a complete listing of benefits and limitations.

8 8 First doctor visit free others at 75% below retail Up to 70% savings on Rx medications 15%-40% Discount on Vision Emergency Roadside Reimbursement All for no additional charge!

9 Doctor On Demand is a new company of board certified physicians that can diagnose, treat and write prescriptions for nearly any non-emergency medical condition $40 video consultation saves time and transportation Average cost of a doctor office visit is $180 First visit is FREE ($40 savings) Amazing experience. I was diagnosed with bronchitis within 10 minutes and script faxed to the pharmacy. When you feel too bad to get dressed and wait hours in a clinic, this is what you need. I am an RN and was a little skeptical about using Doctor on Demand. I have to admit I was very impressed. I was seen, diagnosed and picked up my Rx at the pharmacy in 45 minutes. Easiest doctor visit I have ever had. 9

10 Member Rx discount plan saves members an average of 42% on drugs, which is about $12 per prescription Rx savings can be as much as 70%. Average savings todate for those enrolled in supplemental plans are more than 28%. More than 66,000 prescription drug providers 46% of Americans take a prescription drug. Do you? 1 Top Masters in Healthcare Administration. Over Prescribed America. 10

11 11 Enroll in less than 5 minutes No medical questions asked. Guaranteed coverage. Online or paper application Coverage starts next day* *There could be a delay in processing your application if you have been treated for a pre-existing condition.

12 Make sure you can pay for medical expenses not covered by your high deductible health insurance plan. Start your application today. It takes less than five minutes. PivotHealth.com

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