THE NATIONAL CHILD CARE ASSOCIATION BRINGS YOU:
NEW 2014 VOLUNTARY BENEFITS
WHAT ARE KEY ISSUES FACING WORKING
AMERICANS TODAY?
Most employed
Americans have
little disposable
income due to
everyday living
expenses.
 Millions – nearly 20% - are either ineligible for or unable to
afford health insurance through their workplace
 According to a recent Harris poll, the average family cannot
financially survive more than 7 weeks without income
 Only 44% of US households had individual life insurance as
of 2010 – a 50 year low, compared with 72% in 1960 and
55% in 1992.
HOW CAN COMPANIES HELP THEIR EMPLOYEES?
The Majority of financial
decisions today are made
in the workplace.
Surveys indicate that 20% of employees are
more likely to choose voluntary benefits if
premiums are taken out of their paychecks,
seeing it as easy, convenient and less
expensive than private policies.
This same study also indicated that these
employees trust their employers’ choices
and offerings in these areas.
YOUR PARTNERS
 Who we are
 What our role is
 National Child Care Association
 Britton Gallagher
 Spotlite
 Key Benefit Administrators
PLANS AND SERVICES
 Accident Expense Insurance
 Short Term Disability
 Limited Medical Plan
 Term Life Insurance
 Telemedicine
 PerkSpot
 Individual Health Insurance
ACCIDENT EXPENSE INSURANCE
Why Accident Expense
Insurance?
 With the high cost of medical care today, a trip down the stairs
can hurt your bank account as much as your body
 Accident expense insurance can pay you benefits based on the
injury and the treatment you receive, whether it is a simple
sprain or something more serious
 No one plans to have an accident but it can happen at any
moment throughout the day, whether at home or at play
 Most major medical plans only pay a portion of the bills,
accident coverage can help pick up where other insurance
leaves off and provide cash to help cover the expenses
ACCIDENT EXPENSE INSURANCE
Key Benefits
 Benefits paid in addition to any other coverage
 The money is paid directly to YOU and YOU decide how to spend
it!
 Coverage that is guaranteed issue, meaning there are no medical
exams or tests for you to complete
 You have the option to purchase coverage for your spouse and
dependent children
 Accident coverage goes with you when you change jobs or retire,
up to the age of 70
 Accidental Death Benefits included
SHORT TERM DISABILITY
Why Short Term Disability?
 Losing your income can be a life-changing event!
 Short Term Disability provides weekly income
replacement if you become disabled and you are unable
to work
SHORT TERM DISABILITY
Key Benefits
 Benefit amounts from $150 to $350, not to exceed 50% of weekly
earnings
 All amounts are guaranteed issue – No health questions!
 Cash benefits paid directly to you to help you pay for everyday
living expenses – from groceries to daycare – whatever you need!
 Benefits for sickness, injuries and even maternity leave!
LIMITED MEDICAL PLAN
What is Limited Medical?

Pays fixed cash payments for a wide range of covered services – such
as doctor visits, outpatient procedures, prescriptions or the everyday
expenses that arise when you have to get medical care.
Note:This coverage does not meet the requirements of essential medical coverage
as defined in the Affordable Care Act. It is intended to be supplemental coverage
that pays “first dollar” benefits with no deductibles to meet.
LIMITED MEDICAL PLAN
Why do you need limited medical?

Benefits for covered expenses can be paid directly to you or your health
care provider – so you decide how the money is used. If you have a health
insurance plan with a deductible and no co-insurance payment, Limited
Medical coverage can help you cover those out-of-pocket expenses.
What does it cover?

Inpatient benefits

Outpatient benefits

Term Life and AD&D

Wellness benefits

Prescription drug benefits
Note:This coverage does not meet the requirements of essential medical coverage as defined in the
Affordable Care Act. It is intended to be supplemental coverage that pays “first dollar” benefits with
no deductibles to meet.
TERM LIFE INSURANCE
What is Term Life Insurance?
 Life insurance protect those who depend on you and your
paycheck.
 Provides your loved ones with the money they can use to
help do things like: pay off debts and funeral costs, pay the
monthly rent or mortgage, create a savings fund for
education or retirement, etc.
TERM LIFE INSURANCE
Key Benefits
 Employee coverage from $20,000 to $60,000
 Spouse option at $20,000 and child option at $10,000
 Benefits are guaranteed issue – NO QUESTIONS ASKED!
 Also offers a living care benefit and coverage goes with you when
you change jobs or retire
TELEMEDICINE
Consult, Diagnose and Prescribe 24/7 Access to a Board Certified
Doctor--On the Go or at Home!

On-Demand Physician Care: Call or e-mail a doctor 24/7, without
long waits at the doctor’s office, urgent care or emergency room. Obtain
information, treatment recommendations, and prescription medication,
when appropriate.

Request Prescription Medication: Get timely prescriptions and
prescription refills, enjoy convenient pickup at your nearest pharmacy.

Coverage for your entire family: Instant, affordable coverage for all
ages – from children to senior citizens – no age limit, even if living at
different addresses!

Nationwide medical expertise: All physicians are U.S.-based, statelicensed, NCQA-certified, with an average of 15 years experience.

Easy-to-use online health tools: Powerful online applications to help
identify and optimize lifestyle factors. Store and share your personal
health records
HOW IT WORKS
You have cold-like symptoms but don’t have the time to sit in an urgent
care waiting room. Instead you use Telemedicine!
Step 1.
Step 2.
Step 3.
Medical history
Request consult
Talk with a physician
You are required to
complete your medical
history online, by phone, or
by faxing a paper form
prior to requesting a
consultation.
You simply log on to your
account or call Teladoc,
24/7/365, to request either a
telephone or video
consultation.
A board-certified physician
licensed in your state
reviews your medical history
and provides a consultation
over the phone or through
video, just like an in-person
visit.
Step 4.
Step 5.
Step 6.
Resolve the issue
Continuity of care
The physician
recommends the right
treatment for your medical
issue. If a prescription is
necessary, it is
electronically sent to your
pharmacy of choice.
The physician documents the
results of the consultation in
your medical history.
Consultation information can
be sent to your primary care
physician.
Follow-up
Teladoc sends you a follow
up email to ensure that you
got the care you needed and
to see if you have any
feedback on your
experience.
COMMON USE
Top 10 Diagnoses
1. Sinus Problems
Prescription Management

Electronic prescribing
(SureScripts) or by phone.

Frequency of prescribing lower than same
diagnoses when comparing best provider
practices (about 80% vs. 83%)

Use of antibiotics limited to short durations;
patient education and physician reminders for
appropriate use

No prescribing of DEA-controlled substances,
medication for psychiatric illness, or lifestyle
drugs.

Generic drugs automatically recommended
2. Urinary Tract Infection
3. Pink Eye
4. Bronchitis
5. Upper Respiratory Infection
6. Nasal Congestion
7. Allergies
8. Flu
9. Cough
10. Ear Infection
PLUS THESE ADDITIONAL SERVICES!
Aetna RFL
Consultants
Bill Review &
Mediation
Speak directly with highly
educated consultants who
are ready to help guide you
through life’s challenges.
Let our Patient Advocacy
team work directly with the
hospital on your behalf to
lower your payments.
WellCard Discount
Card
Legal & Financial
Advisors
Savings on a wide range of
healthcare products and
services like prescription
drugs, lab tests, vision and
dental care.
Talk with a network attorney or
financial consultant for up to
30 minutes free per issue, for
an unlimited number of issues.
ID Theft & Fraud
Resolution
Victims of ID theft or fraud
related crimes receive the
education, guidance & legal
and financial assistance they
need.
Online Worklife
Resources
In-depth resources and guides
for daily issues from adoption
to college planning, elder care,
disaster relief and more.
YOU CAN EARN FUNDS FOR YOUR CHILD
CARE CENTER BY PARTICIPATING!
WWW.TELEMEDFUNDRAISER.COM
HOW THE FUNDRAISER WORKS
 How it works: When you have your families, friends, neighbors and community
enroll in TeleMedicine, a portion of the proceeds go back to your child care center
each month! You can use the funds earned to purchase much needed materials to
continue to educate, entertain and support your center.
 How to enroll: Direct people to enroll online at www.telemedfundraiser.com.
They will enter a unique code for your child care center to ensure you receive the
funds.
FUNDRAISING MARKETING SUPPORT
We have created
marketing pieces to
help you promote the
TeleMedicine
fundraiser in your
community.
Simply add your child
care center code
before distributing.
Not sure of your
center’s code? Contact
us at (216) 658-8577.
Invoice stuffers or mailers to send
out to your child care center families
or vendors.
Flyers to pass out to your center’s
families, your friends, neighbors &
community businesses.
EXCLUSIVE RETAIL DISCOUNTS WITH PERKSPOT
What is it PerkSpot?
 PerkSpot is a private, members-only marketplace that provide
deals from popular merchants
 You will find a range of exclusive ways to save no matter what
you are in the market for – travel, electronics, tickets, flowers
& much more!
 NO COST TO YOU! The NCCA has made PerkSpot available
at no cost to employees.
EXCLUSIVE RETAIL DISCOUNTS WITH PERKSPOT
What kind of discounts?
 Take an extra $7 off order of $70 at Target.com
 Save an extra 5% on all Southwest Vacation packages
 Receive up to 40% off on electronics and accessories from Panasonic
 Save an extra 15% off at Kohls
 Get 15% off all flowers and gifts from 1800flowers.com
 Save up to 30% on select computers, electronics and accessories at
Dell
 AND MORE!
INDIVIDUAL HEALTH INSURANCE
Through the NCCA benefits program, you will
have the opportunity to access individual
health insurance at the Health Insurance
Marketplace in November.
QUESTIONS?
TOLL FREE 1-844-735-3362
childcare@brittongallagher.com
www.nccabenefits.com
www.yourtelemed.com
www.telemedfundraiser.com