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<br />The Health Plan Product <br /> <br />Care Access offers its health plan product direct to individuals and employers, or <br />through the broker community with a generous commission schedule available to <br />qualified licensed brokers. Care Access has an experienced in-house staff to aid <br />brokers with general assistance, quotes, marketing materials, or by participating in <br />enrollments for new individuals, employer !:,TfOUPS or Associations. <br /> <br />There are three Care Access product offerings; a Low and High Option, and an <br />Association/Chamber Option, all offer various co-pays for covered health care <br />services with no deductibles. Other products will be developed from time to time <br />in response to market conditions. <br /> <br />Individual rates for the Low Option Plan start at $59; blended rates by Age Only <br />or by Age/Sex grouping are available for Employer Groups or Groups of <br />Individuals without minimum participation requirements; Care Access also offers <br />Group Composite Tiered Rates based upon a census, for Employer Groups <br />agreeing to meet a 25% minimum contribution requirement. <br /> <br />The Hospital Product Discussion <br /> <br />Note: Stand-alone hospital defined benefit products are available through <br />independent and licensed A-Rated carriers in Florida, their rates are affordable <br />and their product offerings vary considerably. Some of the larger A-Rated <br />companies in the market are Genworth, Allstate (through its Work-Site Plan), <br />Markel Insurance Company, and Blue Cross Blue Shield, Florida through its Blue <br />Options offerings. <br /> <br />When the affordable comprehensive and routine preventive health care benefits of <br />Care Access are offered, they present a unique opportunity to allow the employer <br />to retain its employees with previously unavailable and unaffordable health care <br />coverage. In addition, and depending upon the unique Employer circumstances <br />and requirements of its employees, an additional unmet need is resolved when <br />Care Access is combined with an affordable defined hospital insurance benefit of <br />an A-Rated hospital insurance provider. This gives the Employer an opportunity <br />to offer a measure of previously unavailable hospital coverage to the employee, <br />and becomes an added retention incentive. <br /> <br />2006 CAHP OvelView <br /> <br />7 <br /> <br />5-06 Emp w-o-h <br />