My Essential Protection – Coverage for when you need it most

Many of those people (and their families) lost their health coverage when they lost their jobs.

Recession Leaves Many Without Adequate Coverage

The current recession is having a “devastating impact” on working
American Families, according to a report published by the Families USA Foundation.2 According to the report, by November 2008, more than 2.7 million people had joined the ranks of the unemployed since the recession began in 2007, and 10.3 million people were unemployed.

Many of those people (and their families) lost their health coverage when they lost their jobs. Researchers estimate that, for every one percentage point increase in unemployment, the number of uninsured people increases by 1.1 million.

What does that mean for health care? With a 3% rise in unemployment in the past 12 months, 3.3 million people have lost job-based health care coverage. While Essential Health cannot replace health care coverage, it can help provide limited insurance coverage including hospitalization, doctor visits and emergency room, as well as non-insurance discount services on prescriptions, dental and vision care.

Don't miss this opportunity to cover you and your eligible family, by enrolling you and your family in Essential Health.

What makes Essential Health’s coverage so appealing is that benefits are paid directly to you or whomever you choose.

The Essential Health Coverage Solution

Many individual consumers do not have the financial resources to cope with the risks of accidents, illnesses and everyday medical care. A typical household has, on average, $200 to
$500 per month in out-of-pocket medical bills, yet budgets less than $100 per month for these expenses.

What makes Essential Health’s coverage so appealing is that benefits are paid directly to you or whomever you choose.— in addition to any other insurance benefits that are paid. Benefit payments are commonly used to offset income lost due to illness or injury, but do not need to be used for medical expenses.

The primary advantages of Essential Health is that it is:

Essential Health is the Essential Plan for Everyone

The Essential Health Plan offers significant discounts on dental, vision, specialty and primary physician care, as well as prescriptions.

Essential Health also offers insurance coverage that can help many in today’s economy, with extra money to help any gaps in your current coverage, and benefits for unexpected health care costs and emergencies.

Essential Health Benefits:
Receive $50 for Doctor’s Visits, up to 3 visits per year, for any doctor you choose.

Receive a $300 benefit for Emergency Room Treatment, up to 4 visits per year, and a $200 Transportation Benefit for illnesses or accidents that require transportation by ambulance, up to 2 trips per year.

Receive up to $10,000 in Long Term Confinement Cash Benefits for accidents or sicknesses requiring a longterm confinement. If you are hospitalized for 30 consecutive days or more, you receive a lump sum cash benefit of $5,000. If your long term-confinement is 60 consecutive days or more, your lump sum benefit is $10,000.

Save up to 60% on mail-order prescriptions, and up to 55% at more than 55,000 pharmacies nationwide.

Save up to 50% on Physician Care when you choose a physician from the Essential Health network of physicians. The network includes family practice doctors and specialists in over 130 areas of practice.

Save up to 50% on Dental Care when you choose your dentist from the Essential Health network of tens of thousands of credentialed dentists.

Savings are offered on everything from cleaning and check ups to oral surgery and orthodontics.

Save up to 50% on Vision Care including eye exams, eyeglasses, contact lenses, corrective surgery and more at over 10,000 participating eye care locations nationwide.

With insurance benefits and discount services like this, many individuals and families can use the insurance protection of Essential Health.

Understanding Health Care Costs

In 2008, total national health expenditures rose 6.9% — 2 times the rate of inflation.4

Also in 2008, employer health insurance premiums increased by 5%.

It is important to understand what makes up these expenses: most health care spending is for care provided by hospitals and physicians.

Health care spending encompasses a wide variety of health-related goods and services, from hospital and prescription drug spending to dental services and medical equipment purchases.

A recent study found that the average out-of-pocket medical debt for those who filed for bankruptcy was $12,000.

The study noted that 68% of those who filed for bankruptcy had health insurance.

In addition, the study found that 50% of all bankruptcy filings were partly the result of medical expenses.

4 Health Insurance Costs, National Coalition on Health Care, 2009.

Online Payment Service

Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038 is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.

The Discount Medical Plans are provided by Patriot Health Florida, Inc., a discount medical plan organization. The features are not health insurance policies and are not available in all areas. The features provide discounts at certain health care providers for medical services and do not make payments directly to the providers of medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791. 800-292-3797 .These plans are not available in AK, FL, MT, ND, OK, SD and VT. Coming soon in FL and OK. This package of benefits is NOT insurance or a substitute for Comprehensive Health Insurance.

THIS DISCOUNT PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN*. This plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. Before purchase, you may access a list of participating health care providers at www.myessentialhealth.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a processing fee not to exceed the amount permitted by your state.

National Union Fire Insurance Company of Pittsburgh, Pa., assumes no responsibility or liability for any of the services provided by Third Parties. Questions or concerns about the services should be addressed directly to the providers.

Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 800-803-9202 or 512-463-6599; website: www.license.state.tx.us/complaints. Note to Utah Residents: The discount programs are not protected by the Utah Life and Health Guaranty Association. * Medicare statements applies to MD residents when pharmacy discounts are part of the program.