Back By Popular Demand ... Protector Plus!

On January 1st, the Protector Plus PPO Plan is being reintroduced in the states of Arizona, Arkansas, Illinois and Nebraska!

The Protector Plus - known for its flexible plan design - will complement our current portfolio of Major Medical products (Unlimited Access, HealthSelect PPO, Preferred Value HDHP & Healthy Savings HSA-Qualified).

A few things have changed since you last sold a Protector Plus policy, so make sure to take a look at our new brochure. However, the basic plan structure remains the same:

• Deductible Options ($500, $1,000, $1,500, $2,500, $5,000 & $10,000)
• Coinsurance Options (80/20 to $10,000 or 80/20 to $5,000)
• Lifetime Maximum Options ($2 million or $5 million)
• Common Accident Benefit
• Prescription Drug Coverage
• Optional Benefits (Prescription Drug Card, Office Visit Copays, Accident Benefit, Dental Benefit, Term Life & More!)

Here's the best part ... you can begin quoting Protector Plus at our website now! The plan can only be quoted with an effective date of 01/01/10 and later.

As a result of these changes, USL&H has also updated its online rater, sales brochures, agent guidelines and applications. The USL&H desktop rating software will be updated with the new rates in early January. Please visit our website, www.unitedsecuritylandh.com, to order or download the revised materials.

New Business Rates Available For 01/01/10

Please review the following. Your new business applications will receive 10/01/09 rates or 01/01/10 rates based on the following criteria:

• USL&H will honor the 10/01/09 rates on all applications received prior to December 17th, regardless of requested effective date.
• The only other policies that will receive 10/01/09 rates are applications that meet all of the following criteria:
  • received at USL&H between 12/17-12/28
  • with a requested effective date of 12/28 or earlier
  • where USL&H receives ALL necessary underwriting information (complete app, payment, PHI and records) prior to 01/01/10.
• All other issued policies will be subject to the 01/01/10 new business rates.