Your guide to being a Super Agent.

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Ross Daniel
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1 Your guide to being a Super Agent. An introduction to Humana. GCHHBXEHH FOR AGENT USE ONLY.

Channel your Super Agent selling powers. It s a suit. It s a shirt. Yep, it s you Super Agent. When you team up with Humana, that s what your clients and colleagues will consider you.

2 Channel your Super Agent selling powers. It s a suit. It s a shirt. Yep, it s you Super Agent. When you team up with Humana, that s what your clients and colleagues will consider you. That s because you ll get our full portfolio of products that can fit all your clients needs at every stage of their lives. You ll also get exceptional support and resources to help you grow your business. At Humana, we can t promise you superhuman strength, but you will enjoy the superhuman ability to close sales and impress clients. 2

Table of Contents Products for all your clients. 4 Read about Humana s full portfolio of products, from major medical and dental to Medicare. Why sell Humana?

3 Table of Contents Products for all your clients. 4 Read about Humana s full portfolio of products, from major medical and dental to Medicare. Why sell Humana? 6 Get to know all your Humana Super Agent tools, rewards, and resources. Meeting all your clients needs. 8 See how Humana s extensive range of products can help you meet the needs of a wide variety of clients. Good health is so rewarding. 9 Check out our exclusive wellness program that rewards clients for making healthy decisions, while rewarding you with happy clients. How does Humana stack up? 10 Find out what other Humana agents have to say about our products, services, resources, and tools. Be a Super Agent. 11 Get started selling Humana products. It s easy with our simple step-by-step guides. 3 Humana.com/sellhumanaone

4 Making clients happy. Another one of your Super Agent powers. Whether your clients are single, married, students, self-employed, veterans, or Medicare age Humana has products to fit their needs throughout their lifetimes. Medical and Short-term Medical Humana s medical plans offer individuals and families: Coverage for doctor visits, emergency services, and prescription drugs Access to a large network of providers A range of deductibles and payment options Medicare Advantage Humana s Medicare Advantage plan replaces Original Medicare Parts A and B and offers extras such as: Fitness programs and gym memberships Access to our HumanaFirst Nurse Advice Line Discounts on healthcare-related products and services Medicare Supplement Humana s Medicare Supplement insurance plans help cover some of the costs not covered by Medicare Parts A and B, such as deductibles and coinsurance. Members can enjoy: The freedom to choose doctors and specialists with no referrals, anywhere in the United States The ability to choose any Medicare-certified hospital, anywhere in the United States Peace of mind with a guaranteed renewable policy 4

5 Dental Humana offers a wide variety of dental plans for individuals and families that provide: Ease of use, with no claims to submit when you use network providers Routine cleanings and exams are covered at 100 percent Services like fillings, root canals, and crowns Easy-to-understand plans with clear-cut costs Vision Humana vision plans provide: Coverage for preventive and diagnostic annual exams Low exam copayments, an allowance for frames, and coverage for contact lenses Discounts on laser vision correction procedures A large network of providers Life and Supplemental Humana offers a variety of life and supplemental plans, which include: Critical Illness Cash Plan Junior Estate Builder Memorial Fund Exclusive Veterans Package Humana is proud to offer veterans and their families an exclusive package of benefits and services. This package provides an extra level of security and savings including: Dental coverage Retail prescription savings Vision care savings Hearing care Clinic care savings Services and Extras In addition to great products, every member with a HumanaOne major medical plan will enjoy these additional features and services: Fast and easy application process Access to our groundbreaking HumanaVitality program (for more details, see page 9) Personal website to manage plan information, find providers, track expenses, and more Free mobile app to access account information on the go 24-hour nurse advice line Mail-order pharmacies for prescriptions Support for chronic conditions Mother/baby programs 5 Discover which products are available in your state, visit Humana.com/sellhumanaone.

6 Superior service meets powerful marketing materials. Say hello to your Super Agent tools. At Humana, we know the value our agents provide. That s why we provide you with the tools and support you need to succeed. Dedicated Support Personal Link As a Humana agent, you ll have a support team unlike any other. Your team members include: Your own dedicated sales representative to help you uncover sales opportunities and build your business Underwriters for any application questions Agent Support Center for immediate help Custom Marketing Materials You ll also get your own exclusive HumanaOne online application link to send to your clients, directing them to your personal page where they can fill out online applications. Your personal link: Connects clients to your unique page with your contact information, so they know they re working directly with you Allows your clients to get a quote and submit an application online anytime, linking them directly back to you Helps you build your business while ensuring that you get credit for your hard work At Humana, we offer free online marketing materials (for select products) to help you promote your business. Order online 24 hours, seven days a week, or contact your Humana sales representative to customize. You can order the following: Brochures Flyers Direct mail Business forms Plan summaries Web banners and more Agent Workbench Every Humana agent gets a personalized HumanaOne Agent Workbench page to help manage their business. Here you can: Fill out applications Track applications and quotes Order supplies and marketing materials View bonus programs and track sales View educational product videos Get news and information Download forms 6

Integrated Quoting Tool You ll also get our improved integrated HumanaOne quoting tool that will help save you time, and make the quoting process simpler, faster, and more customer-friendly.

7 Integrated Quoting Tool You ll also get our improved integrated HumanaOne quoting tool that will help save you time, and make the quoting process simpler, faster, and more customer-friendly. This helpful tool: Enables you to enter clients information only once, and apply it to every Humana plan you re quoting Integrates quotes for multiple Humana products into one concise, easy-to-read document Provides clear-cut quotes that are easier to explain to your clients Is easy to use and navigate, making the sales process smooth, professional, and simple Educational Product Videos We help make the sales process smooth and simple by providing you with fun and engaging videos. They ll help you and your clients better understand all of our products. We have videos for you and your clients for: Major Medical Critical Illness Short-term Medical Junior Estate Builder Dental and Vision Memorial Fund, and more One-of-a-kind HumanaOne Compensation Program We also reward our Humana agents for their successes. Our program offers: Competitive commissions like 10 percent of premium on Major Medical and 90 percent of premium on Term Life with Medical in your first year Rewards for top-producing agents Agents can also take advantage of our new rewards points program. You can earn points that convert to cash just by selling Humana products. Eligible products have a point value*. Sell products, earn points, and redeem for cash: Earn 15 points, get $ points, receive $20 per point points, receive $30 per point points, receive $40 per point points, receive $50 per point 100 points or more, receive $75 per point This compensation is in addition to your commissions giving you even more reasons to sell Humana products. *Points are not awarded for Medicare products. To see all the videos, visit Humana.com/humanaonevideos. 7 Humana.com/sellhumanaone

8 You single-handedly protect the well-being of all your clients. Oh yeah, you re a Super Agent. With our complete portfolio of products, you have the right benefits to cover all your clients needs for their entire lives. Humana s plans for families are easy to understand, easy to explain, and make it easy for your clients to manage their costs. Junior Estate Builder Critical Illness Memorial Fund Dental Vision Medical Medicare Children Parents Humana.com/sellhumanaone

9 Improve the world s health, one client at a time. With HumanaVitality*, you can offer your clients a wellness program unlike any other. HumanaVitality helps members achieve healthier lives by rewarding them for making healthy decisions. Going to the gym, joining a sports league, or even getting a flu shot may earn rewards, depending on your client s plan. How HumanaVitality benefits your clients: They can tailor the program to fit their lifestyle and health needs They ll receive customized health goals, personalized tips, and support They can earn rewards like fitness equipment, movie tickets, gift cards, and more How HumanaVitality benefits your business: It can help you stand out in the marketplace by offering something different to your clients It can help you increase sales and generate new clients It can help you build great client relationships, because healthier clients can mean a decrease in healthcare costs for them With HumanaVitality, good health is rewarding for you and your clients. Humana.com/sellhumanaone *Available with select products in select states. HumanaVitality is not an insurance product. 9

Humana s underwriting is amazingly fast and the communication with agents is excellent. I m kept in the loop every step of the way regarding the status of my applications.

10 Humana s underwriting is amazingly fast and the communication with agents is excellent. I m kept in the loop every step of the way regarding the status of my applications. There s no extra effort on my part, which makes my job much easier. Patrick In regard to healthcare reform, Humana is the one carrier that has truly partnered with their agents in terms of being creative with product design and commissions. Susan Compared to other carriers, selling Humana gives me a huge advantage because they offer me a broader range of products to help me fill all types of clients needs. They make it easy to offer other options besides major medical, which allows me to customize plans and put together benefits packages that work perfectly for all my clients. Michael Here s what other Super Agents have to say. Humana is very supportive of me. Whenever there is a new product or seminar, my Humana rep always keeps me informed. Jason Humana is really superior in terms of technology, service, and support. They re completely committed to the success of agents. And my customers are impressed by their level of service too. Derek The network, hospitals, and doctors perceive Humana as a good carrier. It s easy for them to get contracted and paid. Wendy 10

11 Ready to be a Super Agent? It s easy to get started selling our full portfolio of products. Just follow the checklist for the products you re interested in. HumanaOne Plans Medical, Dental, Vision, Life, and Supplemental 1. Call your Humana sales representative or the Agent Service Center at and tell them that you want to be appointed to sell medical, dental, vision, life, and supplemental products. 2. Get contracted with Humana. 3. Contact your Humana sales representative to walk you through the Agent Workbench and order the marketing materials you need to start selling. Medicare Advantage Plans 1. Call your Humana sales representative or the Agent Service Center at and tell them that you re interested in selling Humana Medicare Advantage plans and Part D plans. 2. Get contracted with Humana. 3. Complete the online AHIP Medicare course and Humana MAPD training program. 4. Complete a sales planning/training session with your local Humana sales representative and start selling. Medicare Supplement Plans 1. Call your Humana sales representative or the Agent Service Center at and tell them that you want to be contracted and appointed to sell Humana Medicare Supplement plans. 2. Get contracted with Humana. 3. Contact your Humana sales representative to get started selling. Medicare Referral Program The Medicare referral program is an ideal opportunity for agents who don t really sell in the 65+ market, but have clients asking for these types of products. 1. Call your Humana sales representative or the Agent Service Center at When a client in your market asks about a Medicare product, call our toll-free number with your client on the phone. Once they sign up, you ll receive a $100 referral commission per client. An appropriate active insurance license is required to contract. 11 To find out about being a Humana agent, visit Humana.com/sellhumanaone.

12 This is intended to provide a high-level overview of Humana plans and benefits to prospective agents. It is not intended to provide detailed information on state-specific benefits, limitations or exclusions. Product availability, options, benefits, and riders vary by state. Products may not be approved in all states. Applications may be subject to approval. Waiting periods, limitations and exclusions may apply. Please contact your Humana agent for a state-specific plan summary for additional information. Humana is a Medicare Advantage organization and stand-alone prescription drug plan with a Medicare contract. GCHHBXEHH 12 FOR AGENT USE ONLY.

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