Level 1 · the grids, as the broker gets them

Three medical grids and the other products

Every value on this page is synthetic, written for the specimen. The three medical tabs are the ones the marketing workbook builds today: the split grid, the in-network and out-of-network grid, and the renewal opener with every current-and-renewal pair side by side. Dental, vision and life carry example data in the same house layout.

Mkt_MedicalMkt_Medical_IORenewal_MedicalMkt_Dental · exampleMkt_Vision · exampleMkt_Life · example

Medical · benefit and cost comparison · split format · member pays

	Current · Carrier A HDHP (synthetic)				Renewal · Carrier A HDHP (synthetic)
Benefit	Copay	Deductible	Coins.	Out-of-Network	Copay	Deductible	Coins.	Out-of-Network
PLAN LEVEL
Deductible (single / family)	$4,000 / $8,000				$4,500 / $9,000
Out-of-pocket maximum (single / family)	$7,000 / $14,000				$7,000 / $14,000
Coinsurance (member pays)	20%				20%
PHYSICIAN SERVICES
Primary care visit	-	(d)	20%	40% (d)	-	(d)	20%	40% (d)
Specialist visit	-	(d)	20%	40% (d)	$50	waived	-	40% (d)
Preventive care	-	waived	0%	40% (d)	-	waived	0%	40% (d)
FACILITY SERVICES
Emergency room	-	(d)	20%	20% (d)	-	(d)	20%	20% (d)
Inpatient hospital	-	(d)	20%	40% (d)	-	(d)	20%	40% (d)
PRESCRIPTION DRUGS (retail 30-day)
Generic / Preferred / Non-preferred	$15 / $30 / $45	(d)	-	not covered	$15 / $35 / $60	(d)	-	not covered
Specialty	-	(d)	20% to $250	not covered	-	(d)	20% to $250	not covered
MONTHLY RATES
Employee / Employee + spouse / Employee + child(ren) / Family	$612 / $1,286 / $1,163 / $1,897				$655 / $1,376 / $1,244 / $2,030

(d) = after the deductible · waived = deductible does not apply · - = not provided · shaded bold = renewal cell that differs from its current plan (4 cues on this specimen)

Mkt_MedicalMkt_Medical_IORenewal_Medical

Medical · benefit and cost comparison · in-network and out-of-network · member pays

	Current · Carrier A HDHP		Renewal · Carrier A HDHP		Option 1 · Carrier B PPO
Benefit	In-Network	Out-of-Network	In-Network	Out-of-Network	In-Network	Out-of-Network
PLAN LEVEL
Deductible (single / family)	$4,000 / $8,000	$8,000 / $16,000	$4,500 / $9,000	$9,000 / $18,000	$1,500 / $3,000	$3,000 / $6,000
Out-of-pocket maximum	$7,000 / $14,000	$14,000 / $28,000	$7,000 / $14,000	$14,000 / $28,000	$5,000 / $10,000	$10,000 / $20,000
PHYSICIAN SERVICES
Primary care visit	(d)/20%	(d)/40%	(d)/20%	(d)/40%	$30	(d)/40%
Specialist visit	(d)/20%	(d)/40%	$50	(d)/40%	$50	(d)/40%
Urgent care	(d)/20%	(d)/40%	(d)/20%	(d)/40%	$75	(d)/40%
FACILITY SERVICES
Emergency room	(d)/20%	(d)/20%	(d)/20%	(d)/20%	$300 then 20%	$300 then 20%
Inpatient hospital	(d)/20%	(d)/40%	(d)/20%	(d)/40%	(d)/20%	(d)/40%
PRESCRIPTION DRUGS
Generic / Preferred / Non-preferred / Specialty	(d) $15 / $30 / $45 / 20%	not covered	(d) $15 / $35 / $60 / 20%	not covered	$10 / $35 / $60 / 25%	not covered

(d)/20% = deductible first, then the member pays 20% · composed strings read as printed · shaded bold = renewal cells that differ from the current plan

Mkt_MedicalMkt_Medical_IORenewal_Medical

Medical · renewal opener · every current and renewal pair side by side · member pays

	Pair 1 · Current · HDHP		Pair 1 · Renewal · HDHP		Pair 2 · Current · PPO		Pair 2 · Renewal · PPO
Benefit	In	Out	In	Out	In	Out	In	Out
PLAN LEVEL
Deductible (single)	$4,000	$8,000	$4,500	$9,000	$1,500	$3,000	$1,500	$3,000
Out-of-pocket maximum (single)	$7,000	$14,000	$7,000	$14,000	$5,000	$10,000	$5,500	$11,000
PHYSICIAN SERVICES
Primary care visit	(d)/20%	(d)/40%	(d)/20%	(d)/40%	$30	(d)/40%	$30	(d)/40%
Specialist visit	(d)/20%	(d)/40%	$50	(d)/40%	$50	(d)/40%	$50 (d)	(d)/40%
MONTHLY RATES · EMPLOYEE / EE + SPOUSE / EE + CHILD(REN) / FAMILY
Rates	$612 / $1,286 / $1,163 / $1,897		$655 / $1,376 / $1,244 / $2,030		$748 / $1,571 / $1,421 / $2,319		$791 / $1,661 / $1,502 / $2,452
Change vs current (employee rate)	-		+$43 · +7.0%		-		+$43 · +5.7%

pair 1 cues gold · pair 2 cues blue · each pair compared to its own current plan · one PAIR tab per pair follows with up to three selected options compared to the renewal

Mkt_Dental · example data

	Current	Renewal
Deductible (single / family)	$50 / $150	$50 / $150
Annual maximum	$1,500	$2,000
Preventive / Basic / Major	100% / 80% / 50%	100% / 80% / 50%
Orthodontia (child)	50% to $1,500	50% to $1,500
Employee rate	$38	$41

Mkt_Vision · example data

	Current	Renewal
Exam copay	$10	$10
Frames allowance	$150	$175
Lenses (single / bifocal / trifocal)	$25 copay	$25 copay
Contacts allowance	$150	$175
Employee rate	$7.20	$7.20

Mkt_Life · example data

	Current	Renewal
Basic life / AD&D	1 x salary to $100,000	1 x salary to $100,000
Guarantee issue	$100,000	$100,000
Age reduction	65% at 65, 50% at 70	65% at 65, 50% at 70
Rate per $1,000	$0.18	$0.19
Volume (example)	$6.2M	$6.2M

exports: new format · legacy A · legacy B · format version stamped on every file marketing grids, not certificates of coverage · plan-design fields only · all values on this page synthetic