Beam Benefits

Which Supplemental Health Plan? AC, HI, CI

100

"This group has kids in sports"

What is an Accident Plan

200

This group has mainly older employees

Critical Illness AND OR Hospital Indemnity

300

This group has tons of young couples 

Hospital Plan

400

Would cover ALS and Alzheimers disease 

Critical Illness (PLUS plans!)

500

First treatment must take place in 30 days

Accident Plan

Smile! You're on Camera!

100

The standard out of network UCR coverage 

90th UCR

200

The first thing to look at when asked for a "richer" dental plan

Network (MAC vs. UCR)

300

Implants are covered on this plan
(Pro Tip: Most carriers are taking these off of their small group plans)

All dental plans by default

400

One of the "standard" dental plan options

SmartPremium 100/80/50-1000

SmartPremium PLUS 100/80/50-1000

SmartPremium PLUS 100/80/50-1000-1000

500

The out of network coverage a small group whose dentists are all in network should have

MAC

Make It... Make Sense

100

True or False; Every rep uses roughly the same plans

False - "Standard Plans" very greatly by state and region

200

True or False: Voluntary Life should be quoted anytime Basic Life

Yes - This is a recommendation as these two plans build off one another

300

"I'd like to see richer dental plan options "
What are the three of the five plan considerations?

1. Network → Is the group on a MAC plan? 

2. Plus Plan → Are endo/perio and oral surgery in MAJOR or BASIC? 

3. Co-insurance 

4. Annual Max  

5. Sweeten The Deal → Carryover, 2 year rate guarantee, 95th UCR

400

Name 2 things you can do to "sweeten the deal" on dental

1. Carryover

2. 95th UCR

3. 2 Year Rate Guarantee

500

Chelsea's Pug's Name 

Rocky

Now You See Me

100

What is the network we use for vision?

VSP Choice

200

VSP has the _______ eye care network in the nation

Independent

300

$130 is the average this....

Frame allowance

400

This plan includes Anti-Reflective scratch coating

VSP 4

500

Any frame cost over the plan frame allowance has a...

20% Discount

Life Happens...

100

True or False: A group of 2 brothers can have a STD Policy

False - Members cannot be related by blood or marriage on DI Plans

200

The average Social Security Disability claim takes how long to process

3 years

300

Our plans cover what % of salary?

60% (But can go up to 66 2/3 depending on group size/contribution)

400

Accelerated Death Benefit allows what % of benefit?

75%

500

How does Beam's EOI for Voluntary Life differ in the market?

This is a fully digital process that allows for instant decisions.