USAmeriCare

1. USAmeriCare Product Training 9/6/2014 1

2. USAmeriCare Highlights • Membership that “Educates and Informs” • Quality Products / Competitive Premiums • Rewards program??? • Guaranteed Issue • Rate stability (12 month rate Guarantee) • Level commissions throughout • Affordable & Accessible • 30-day Money Back Guarantee (does not include enrollment fees) • Easy online enrollment for both Marketers and Clients • Personal Back Office access for our Marketers 9/6/2014 2

3. USAmeriCare • Command Financial through its AmeriCare Health Plans provides limited medical indemnity insurance and much more… • Plans are underwritten by United States Fire Insurance Company, rated "A" (Excellent) by AM Best Company (2010 Edition). • Member packages include a wide variety of Association benefits and discounts. Membership provides guaranteed access to one of 4 limited medical plans; fully insured group insurance. • Guaranteed Acceptance for All Benefits! 9/6/2014 3

4. How We Work… • Single, Couple, Parent + Child(ren) or Family Coverage • No Medical Questions or Physical Exams • Doctor Office Visits (8 depending on plan election) • Hospitalization Benefits • Emergency Room Benefits • Surgery Benefits “paying more than 100% of Medicare” • Accidental Medical Benefits • Freedom to choose any provider • “Guaranteed Acceptance” • And options to include Critical Illness, AD&D, Accident Medical & Dental benefits, Disability Income and Term Life; all offering “Guaranteed Acceptance” 9/6/2014 4

5. Member Benefit Options… • AmeriCare Limited Medical Plans: Elite, 1000, 750, & 500 • AmeriCare Advantage with Critical Illness with benefit levels at $5,000, $10,000 and $20,000 • AmeriCare Advantage Accident Medical Dental Expense Benefit; $5,000 or $10,000 options w/ AD&D • AmeriCare Advantage Accident plus Plan providing $2,500 for accidental medical expense with a $100 deductible • Americare Advantage; Accident & Disability Income from $1,000 to $10,000 monthly 9/6/2014 5

6. AmeriCare Membership… • One-Time Enrollment Fee of $65 (non-refundable) 9/6/2014 6

7. Physician/Wellness Benefits • Doctor Office Visit w/ $30 co-pay • When you use a doctor in our national BeechStreet EPO you will only have a $30 co-pay with no further out-of-pocket cost.Benefits are paid if a covered person visits a doctor’s office for medically necessary treatment, care, or advice on an injury or sickness covered under the policy. Billed Charges, up to $80 per visit, max. 2 per person/8 for family per policy year • Wellness Doctor Visit w/ $30 co-pay • $30 co-pay utilizing an in-network provider.Benefits are paid if a covered person visits a doctor’s office for medically necessary wellness care, or advice on an injury or sickness covered under the policy. Pays up to $100 per visit up to one visit per person per year. Elite Plan Includes Child Wellness visit. • Maternity • Benefits are paid under the applicable provision for Doctor’s Office Visits, Outpatient X-Ray & Lab, Surgery or Hospital Confinement for pregnancy - related expenses, if conception occurs after the effective date of coverage. • Diagnostic Testing, X-ray & Lab • When x-rays, laboratory and other diagnostic tests are ordered or performed by a Doctor, coverage is provided for such tests, including the services of a radiologist or radiology group and for services of a pathologist or pathology group for interpretation of diagnostic tests or studies that are Medically Necessary due to an Injury or Sickness. Benefits are paid for outpatient laboratory tests and X-Rays ordered by a doctor if a covered person is not confined in a hospital and the tests or X-rays are performed by an appropriately licensed technician. Benefits are paid up to $200 per sitting or draw, two visits per person per year with a family maximum of eight. • Wellness Diagnostic Testing, X-ray & Lab • Benefits are paid for annual routine examinations. Covered services include a medical history, physical examination, X-rays and laboratory testing including Pap test, colorectal screening, prostate cancer screening, mammography and bone density screening. Benefits are paid up to $200 per sitting or draw, 2 visits per person per year. 9/6/2014 7

8. Hospital Benefits • Anesthesia Benefit: In-Patient / Out-Patient • Anesthesia Benefits are paid if a covered person undergoes medically necessary surgery at the direction of a doctor for a covered injury or sickness. Benefits are paid at $2,000 maximum or 25% of the paid surgical benefit whichever is higher. Benefit paid for anesthesia services for pre-operative screening and the administration of anesthesia during a surgical procedure whether performed as an inpatient or on an outpatient basis. *12 month Pre-existing Condition Limitations only apply to Hospital, ICU/CCU Surgery and Anesthesia. • Hospital Admission Benefit (1st day of Confinement) • Benefits are paid as a Hospital Admission Benefit as shown on the Certificate Schedule if any Covered Person incurs charges and is admitted to a Hospital as the result of injuries received in a Covered Accident or Covered Sickness while this coverage is in force. Pays $1,000 maximum per person per year. • Daily Hospital Confinement Benefit • Benefits are paid if a covered person is confined as an inpatient in a hospital because of a covered injury or illness. Pays up to $1,000 per day for days 2-31 with a maximum of 30 days per year per covered person. • Intensive Care Unit Benefit • Benefit is paid in addition to the Hospital Confinement Room benefit described above. For purposes of this benefit, “Period of Confinement” means one continuous ICU or CCU confinements, or two or more separate ICU or CCU confinements for the same or a related cause that are each separated by less than 72- hours. Pays $1,000 per day up to10 days person per year. • Inpatient / Outpatient Surgical Benefit • Benefits are paid if a covered person undergoes medically necessary surgery at the direction of a doctor for a covered injury or sickness. Pays a scheduled surgical benefit up to an Annual Maximum of $8,000 per covered person per year. • Emergency Room/Urgent Care Visit • If a Covered Person requires Medically Necessary treatment by a Doctor in a Hospital emergency room for a Medical Emergency due to an Injury or Sickness, coverage is provided for treatment, services and supplies. Benefits are paid up to $100 per visit one visit per person per year. (Increased Benefit Option Available) 9/6/2014 8

9. Additional Benefits Included • AmeriCare Rx Benefit Retail Services • $10 co-pay for covered outpatient generic drugs when prescriptions are filled at participating pharmacies.* • $50 Annual deductible per family member. • No Annual Maximum. • Co-pay applies to each 30 day supply. • Over 58,000 Participating Pharmacies. • Up to 25% off brand medications. • Mail Order Services • $30 co-pay for covered outpatient generic drugs when filled through our mail order service, maximum supply of 90 days* • Purchases are applied toward the annual deductible and annual maximum if applicable. • Order long term medications through APS and save 5% to 50% off the regular retail price. • Medical Tourism Benefit “Surgical Trip” • Surgical Trip provides members with access to world class hospitals and expert surgeons that offer affordable “fixed” prices. You will see savings between 40% and 90% off on specific medical procedures. Best of all, the Surgical Trip network is included in with your other AmeriCare ELITE benefits. You can stretch the value of the plan and receive significant savings on major medical procedures both overseas and in the USA. Surgical Trip covers a wide variety of surgical procedures, including Orthopedic, Heart, Spine, Urology, Gynecology, Bariatric, and General Surgery, just to name a few. Procedures are available both domestically and overseas at accredited hospitals in these locations: Costa Rica, Germany, Mexico, Singapore, Taiwan, Turkey, USA and others! 9/6/2014 9

10. AmeriCare Advantage… • National availability except CT, MT, NJ, NY, SD and VT • A surgical schedule that pays more than 100% of Medicare’s RBRVS • No deductibles in our “Limited Medical Plans” • No co-insurance • Indemnity Benefits pay direct to member or provider • BeechStreet EPO Network; Freedom to Choose any Health Service Provider • 12 month Pre-Existing Condition waiting period • Pays in addition to other Private Insurance 9/6/2014 10

11. AmeriCare’s Surgical Schedule and Medicare’s RBRVS benefit comparative… CPT Code/Relative Values based on 2010 CPT codes and Medicare payment information. Medicare 2010 RBRVS Benefit 9/6/2014 11

12. AmeriCare’s Surgical Schedule and Medicare RBRVS benefit comparative, continued Medicare 2010 RBRVS Benefit 9/6/2014 12

13. AmeriCare’s Surgical Schedule and Medicare RBRVS benefit comparative, continued Medicare 2010 RBRVS Benefit 9/6/2014 13

14. AmeriCare’s Surgical Schedule and Medicare RBRVS benefit comparative, continued Medicare 2010 RBRVS Benefit 9/6/2014 14

15. AmeriCare’s Surgical Schedule and Medicare RBRVS benefit comparative, continued Medicare 2010 RBRVS Benefit 9/6/2014 15

16. Assignable Benefits • Assignable benefits are when your provider bills the insurance company directly for reimbursement of your claims.  This is good, when you visit a provider (doctor, hospital, etc...) you want to be able to show them an insurance card.  If you present them with an assignable benefits card (like AmeriCare) it will instruct them to bill the insurance company directly; where the insurance company will process the claim and send you a Explanation of Benefits (EOB).  Many limited medical plans in the marketplace only offer direct reimbursement where they are paying you benefits only after you have paid the provider.  With AmeriCare Insurance plans you can walk into the provider’s office with confidence.  You will receive a professional ID card that you can present and the provider will have instructions to bill for your services. 9/6/2014 16

17. Optional Insured Benefits • Critical Illness Benefits: $5,000, $10,000 or $25,000 • AD&D Benefit: $5,000 or $10,000 • Accident only Insurance Benefit: • Accident Medical Expense Reimbursement ($100 Deductible): $2,500 • Emergency Room Visit: $100 • Daily Hospital Confinement Benefit: $300 per day • Accident Hospital Lump Sum Benefit after 60 days: $5,000 • Accident Hospital Lump Sum Benefit after 90 days: $5,000 • Accident Disability Monthly Benefit: $1,000 • 24 Hour Accidental Death Benefit: $50,000 • Automobile Accidental Death Benefit: $100,000 • Common Carrier Accidental Death Benefit: $1,000,000 9/6/2014 17

18. Additional Fully Insured Benefits… • Catastrophic Accident Disability Benefit: Up to $10,000 per month • If, as a result of an injury the insured is rendered Permanently Totally Disabled within 90 days of the accident that causes the injury and if the Permanent Total Disability due to that injury continues for the Short Term/Long Term Waiting Period specified in the Benefit Schedule the Company will pay the monthly benefit starting with the 1st consecutive month of Short Term/Long Term Permanent Total Disability following the Waiting Period. • Short Term Monthly disability Benefit: $5,000 per month – Pays up to 6 Months.(Subject to a 6 month waiting period.) • Long Term Monthly disability Benefit: $10,000 per month – Pays up to 10 years.(Subject to a 12 month waiting period.) • Accident Disability Benefit w/ AD&D • Benefit pays $1,000 per month subject to a 30 day elimination period and a 12 month pre-existing condition period – pays up to 4 monthly benefits. Pays the beneficiary up to $10,000 for the member’s death or loss of certain body parts in a covered accident or a portion of that amount for the accidental death of a family member 9/6/2014 18

19. American Advantage Association Benefits • Prescription Drug Discount • Dental & Vision Discount Benefit • Online Discount Shopping Mall • Full Service Travel Agency • Roadside Assistance • Free & Discounted Legal Care • Identity Theft Restoration & Insurance Services 9/6/2014 19

20. We are “Connected” • United States Fire Insurance Company • Beech Street Network • Ameritas Group – Dental & Vision • APS – Prescription Plan Benefit • American Advantage – Health Savings/Privileges • ConsultADoctor– 24/7 access to network of U.S. Licensed Physicians for telephone and secure email medical consultations. 9/6/2014 20

21. Command’s commitment is to provide every individual the details and information necessary to become an educated member of the American Advantage Association. An informed member realizing the benefits of membership will be a lasting relation for all; Command, the American Advantage Association, our Marketers and our Members. 9/6/2014 21