ExpertQuote Insurance Services, Inc.

Your Experts In Health & 401K

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Complete Risk Services Offering

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Carrier Relationships
All Carriers All Plans : 250+

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Sample of EQ Customers

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Our Mission Statement

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Medical Inflation! Ouch!

Source: Kasier/HRET Survey of Employer 1999-2008; KPMG Survey of Employers

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Fully Insured Health Plan

INSURNCE POLICY Large & Small Claims

Rx Drugs

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Partial Self Funded Health Plan

INSURANCE POLICY INSURANCE POLICY Large Claims Large & Small Claims
Rx Drugs

SAVINGS

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Limit Maximum Exposure to Company

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Demystifying the Layers

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Monthly Premiums By Plan Type

40 Year Age Male
$650 $615 $600 $450

PPO

HMO

HSA

HRA

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Current Plan Renewal

Monthly Premium $106,812 $115,973

Annual Premium $1,281,744 $1,391,681

ABC Company Migrates to H.R.A. Plan

Proposed Coverage Monthly Premium + $80,910 Annual Premium $970,920

Monthly Savings Annual Savings

$35,063 $420,753

Pay Expenses include Dr. Visits, Labs/X-ray, Hospital

213 Employees / 361 Risk Units
Lower than average claims $151,000 Average Claims $210,000 Higher than average claims $329,000

Annual Savings $269,753

Annual Savings $210,753

Annual Savings $91,753

For illustration purposes only. Individual results may vary based on utilization. Final rates are determined by the carrier.

Analytics & Control = Custom Plan

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

We Are Your Benefits Team

Complete Employee Communication System
Create EQ Benefits Cards Create Custom Benefits Portal Assign Client Advocate & Concierge Create EQ Employee Benefits Packets

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Human Resources Solutions

ExpertQuote HR Support Center - This comprehensive site is your one-stop resource for HR-related workplace information including essentials such as Employee Compliance Resources, Policy Library, Federal and State Law Alerts, www.EQHRVideo.com. ExpertQuote HR Webinars - We have joined together with our legal partner Hoge Fenton for series of HR webinars and seminars on timely and important HR topics. www.EQHRWebinars.com ThinkHR Learn Employee Training Center Over 150 courses including the mandatory AB1825 Sexual Harassment, Wellness, and Leadership Training. www.EQTrainingToday.com The ExpertQuote Total Compensation Report - Provides the full extent of your companys financial commitment beyond direct pay.

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Out-Source your Benefits Mgmt

Conduct Open Enrollment Seminars Renewal Impact Analysis Claims Adjudication Escalation Issues

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

PPACA Mandates
EQObamaCare.com Benefits Compliance Link
PCORI Fee, the annual filing of IRS form 720 Employer W-2 reporting 250 W-2s New SBC Mandate Calculating Full Time Equivalent Employer Requirement to Inform Employees of Exchange Plan Document Requirements Affordability & Dependents Requirement Measurement Periods/Stabilization Period Large Employer Tax Penalties (Pay vs. Play) 50+FTEs Waiting Periods Mandate Annual Informational filing

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Employee Contact Center & Benefits Administration Platform

Our ECC is staffed with trained benefit professionals Our services are: Supported by technology Single platform which the employees and client teams access to manage their benefit plan(s) Same technology used by major companies such as Zappos

Our advocacy support includes: Enrollment guidance Claims support Plan, network, explanation of benefits and provider education

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K

Work with an Expert

True Fiduciary Representation Concierge Service Model Pulse of the Industry

ExpertQuote Insurance Services, Inc. Your Experts in Health & 401K