Exhibit 2 - Marketing AnalysisPage 1
Vendor AM
Best Comments Financial Size Notes
Aflac - FD A+ In Force Accident, Cancer,
Critical Illness & Hospital
XV ($2 billion or
greater)Not currently on Workterra
Aflac - Group A+ Quoted Group Accident, Critical Illness, Cancer & Hospital XV ($2 billion or greater)
Could do discovery call to determine if Workterra is compatible.Online technology partner, Selerix,
offered $1 pepm credit to use their platform.City's decision whether or not to partner with current Aflac
rep. Claims for hospital and wellness can be submitted at any time as long as it was incurred during
the policy period. No limitations even if policy is no longer in force. All coverages are portable.
Colonial NR Quoted Accident, Critical Illness,
Cancer and Hospital (Individual)-
Custom benefits education website, Workterra is not currently listed as a partner - but could do a call
with Workterra to discuss, Each lines has different riders the employer can select and also riders and
employee can select to add - premiums may vary from the group rates listed based on these
selections, All enrollments must be through face to face meetings with a benefits counselor or
telephonically with a benefits counselor - Colonial must have access to at least 50% of the employee
population
Symetra A Quoted Group Accident, Critical Illness, Cancer, Hospital XV ($2 billion or greater)
Currently work with Workterra on other Symetra benefits. Benefits would be integrated with the life and
disability. If someone files a claim they will look internally to see if they have CI plan to apply for the
benefit. Would work with Rachel on these lines of coverage. Currently Portable up to 18 months,
expecting it refile and be totally portable sometime this year. Members have one year to submit a claim
for hospital or wellness claims.
UHC A Quoted Group Accident, Critical
Illness w/ Cancer and Hospital
XV ($2 billion or
greater)
Proposal includes a 1X implementation credit of $3,000 per line up to $9,000 - would be paid within 90
days of implementation, already integrated with Workterra. All plans are portable. Members have one
year to submit a claim for hospital or wellness claims.
City of Denton
Accident, Critical Illness, Cancer & Hospital Indemnity Bid List
Effective: 6/1/2021
Note: if the fire department enrollment is removed rates could change for all proposals.
This is not an insurance contract: This proposal is for comparison purposes only. Please refer to certificate booklet or proposal for additional details, including limitations and
exclusions.
Final rates and benefits will be determined by actual enrollment and plan selection.
City of Denton
Group Accident Marketing Analysis
Effective 6/1/2021
Page 2
Current FD Policy
Aflac - Option 4 Aflac High w/ Wellness Symetra Classic
Wellness
Symetra
Premier
Wellness
UHC Option C w/ Wellness
Eligibility Currently offered to Fire
Department employees
Full Time Active Employees
working 16+ hours per week,
excludes temp & seasonal
Underwriting Guidelines Guarantee Issue - some policies
may have 1 underwritten question
Guarantee Issue - No Health
Questions for New Hires, during
OE or QLEs
General Accident Medical
Expense
Physician Office/UC:$150/$120*
Physical Therapy: $40
Prosthesis: $1,000/covered
accident
Physician Office/UC:$100/$200*
Physical Therapy: $50
Prosthesis: $3,000/covered
accident
Physician
Office/UC:$75
Physical Therapy:
$50
Prosthesis: $2,000
Physician
Office/UC:$10
0
Physical
Therapy: $75
Prosthesis:
$2,500
Physician Office/UC:$100
Physical Therapy: $50
Prosthesis: 1: $1,000
2: $2,000
Accidental Death EE & SP: $50,000
CH: $15,000
EE: $50,000
SP: $25,000
CH: $10,000
EE: $50,000
CH: 50% of EE
Ambulance - Ground $250 $400 $250 $400 $400
Emergency Room $200 w/ X-ray, $170 w/out x-ray $200/$250 w/ x-ray $200 $300 $200
Initial Hospitalization Benefit $1,500 if at least 18 hrs.$1,250 $1,250 $1,500 $1,500
Hospital Confinement Daily
Benefit $300 per day $300 per day $250 per day $300 per day $325 per day
Fractures $150 - $4,000
$320 - $8,000 depending on
location and whether open or
closed reduction
$300 - $4,000
depending on
location
$400 - $5,000
depending on
location
$250 - $5,000 depending on
location and whether open or
closed reduction
Child Organized Sports Rider Additional 25% of payable benefits,
limited to $1,000/policy/cal yr.N/A
Wellness Screening $60 once per cal yr. per covered
dependent
$50 once per cal yr. per covered
dependent
On/Off Job On & Off Job Coverage On & Off Job Coverage
Participation Requirement -None - but need 25 enrolled to
do group billing
Rate Guarantee -3 Years
Rates Monthly Monthly Monthly Monthly Monthly
Employee Only $34.44 $17.78 $13.83 $17.60 $9.28
Employee + Spouse $45.12 $28.87 $23.26 $29.65 $14.46
Employee + Child(ren) $51.84 $37.56 $26.85 $34.37 $18.24
Employee + Family $64.56 $48.65 $38.15 $48.87 $27.73
*With x-ray/without x-ray
*Additional $50 w/ x-ray
Line of Duty rider - 20% of
benefit
Gunshot wound rider - $5,000
for EE
Full Time Active Employees
working 30+ hours per week.
Guarantee Issue - No Health
Questions
On & Off Job Coverage
N/A
EE: $50,000
SP: $25,000
CH: $5,000
$50/ covered person/calendar year
Full Time Active Employees working
15+ hours per week.
Guarantee Issue - No Health
Questions for New Hires, during OE
or QLEs
Proposed
3 Years
Increases amounts payable
under Follow Up Care and
Common Injuries sections by
25% up to $10,000
Proposed Proposed
N/A
$50/insured/cal yr.
2 Years
Greater of 25 employees or 10%
On & Off Job Coverage
City of Denton
Individual Accident Marketing Analysis
Effective: 6/1/2021
Page 3
Colonial - Basic 1 w/ Wellness Colonial - Preferred 1 w/
Wellness
Eligibility
Underwriting Guidelines
General Accident Medical
Expense
Physician Office/UC:$125
Physical Therapy: $35
Prosthesis: 1: $750
2: $1,500
Accidental Death EE & SP: $40,000
CH: $10,000
Ambulance - Ground $200
Emergency Room $125
Initial Hospitalization Benefit $1,000
Hospital Confinement Daily
Benefit $325 per day
Fractures $250 - $6,000 depending on
location and whether open or
closed reduction
Child Organized Sports Rider N/A
Wellness Screening $50/ covered person/calendar
year
On/Off Job On & Off Job Coverage On & Off Job Coverage
Rates Monthly Monthly
Employee Only $17.15 $21.70
Employee + Spouse $26.05 $32.63
Employee + Child(ren) $28.59 $36.95
Employee + Family $37.17 $47.43
$275 per day
$225 - $5,000 depending on
location and whether open or
closed reduction
12/12 pre-ex, 6/12 if over age 65
Proposed
Physician Office/UC:$100
Physical Therapy: $25
Prosthesis: 1: $500
2: $1,000
EE & SP: $25,000
CH: $5,000
N/A
$50/ covered person/calendar
year
Active Employees working 15+ hours per week
Guarantee Issue - No Health Questions for New Hires, during OE
or QLEs
$150
$100
$1,000
City of Denton
Group Critical Illness Marketing Analysis
Effective: 6/1/2021
Page4
Current FD Policy Proposed
Benefits Aflac - Option 4 Aflac Symetra Wellness UHC 2 Wellness UHC 3 Wellness
Eligibility Currently offered to
Fire Department
employees
Full Time Active
Employees working
16+ hours per week
Full Time Active
Employees working
20+ hours per week
Underwriting Guidelines
Guaranteed Issue:
EE: $7,500
SP: $7,500
Child: $10,000
Guaranteed Issue:*
EE: $30,000
SP: 50% of EE
Child: 50% of EE
EE: $5,000 - $20,000
SP: 50% of EE
Child: 25% of EE
Guaranteed Issue:
EE: $10,000
SP: 50% of EE
Child: 25% of EE
Guaranteed Issue:
EE: $20,000
SP: 50% of EE
Child: 25% of EE
Pre-Existing Conditions Unknown None None
Heart AttackStrokeMajor Organ FailureEnd-stage renal (kidney) failure
Coronary Artery Bypass Surgery
(Coronary Artery Disease)
25% of selected
benefit
25% of selected
benefit
Cancer (Invasive)N/A 100% of selected
benefit
100% of selected
benefit
Health Screening Benefit N/A $50 per covered
member/year
$50 per insured per
year
Reoccurrence Included - 180 days Included - 6 months Included - benefit
varies
Participation Requirement -
None - but need 25
enrolled to do group billing
Greater of 25 employee
or 10%
Rate Guarantee -3 Years 2 Years
Employee Rates (Attained Age)$7,500 Benefit $10,000 Benefit $10,000 Benefit $20,000 Benefit
30 Yr. Old Non-Smoker $19.68 $5.53 $8.80 $17.60
40 Yr. Old Non-Smoker $29.88 $11.93 $12.20 $24.40
50 Yr. Old Non-Smoker $43.32 $24.84 $20.10 $40.20
60 Yr. Old Non-Smoker $58.80 $50.40 $33.20 $66.40
Employee Rates (Issue Age)$10,000 Benefit
Non Tobacco
30 Yr. Old Non-Smoker $7.53 $11.00 $22.00
40 Yr. Old Non-Smoker $13.53 $16.80 $33.60
50 Yr. Old Non-Smoker $25.15 $26.20 $52.40
60 Yr. Old Non-Smoker $47.11 $42.10 $84.20
Additional Benefits:
ICU daily benefit,
hospital confinement,
continuing care,
ambulance,
transportation, lodging
*Can enroll in 10k,
20k or 20k
Proposed Proposed
100% of selected benefit
25% of selected benefit
100% of selected benefit100% of selected
benefit
Full Time Active Employees working 30+
hours per week.
Covered benefits: heart
attack, stroke, coronary
artery bypass, sudden
cardiac arrest, 3rd
degree burns, coma, paralysis, major organ
transplant, end stage
renal failure & persistent
vegetative state
100% of selected
benefit
-
-
-
Additional conditions:
ALS, Parkinson's,
severe burns, loss of
hearing/speech,
Alzheimer's, Multiple
Sclerosis, paralysis.
Do not offer Issue Age
Rates
$50 per insured per year
None
-
Included 50% of benefit
Non Tobacco Rates listed
Additional Covered Benefits: ALS, Blindness,
Alzheimer's, Multiple Sclerosis, Parkinson's. Child
Only: Cerebral Palsy, Cleft Lip/Palate, Cystic
Fibrosis, Down Syndrome, Muscular Dystrophy,
Spinal Bidfida
3 Years
City of Denton
Group Critical Illness Rates
Page 5
Age EE Only EE+ SP EE+CH EE+Fam Age EE Only EE+SP EE+CH EE+Fam Age EE Only EE+SP EE+CH EE+Fam Age EE Only EE+SP EE+CH EE+Fam Age EE Only EE+ SP EE+CH EE+Fam
18-35 $19.68 $38.04 $31.44 $42.48 Under 25 $6.70 $9.10 $7.00 $9.40 Under 25 $8.60 $11.90 $8.90 $12.20 Under 25 $8.00 $11.10 $8.30 $11.40 18-29 $5.09 $8.37 $5.09 $8.37
36-45 $29.88 $54.12 $39.84 $58.44 25-29 $7.90 $10.95 $8.20 $11.25 25-29 $10.70 $14.95 $11.00 $15.25 25-29 $9.50 $13.30 $9.80 $13.60 30-39 $7.53 $12.03 $7.53 $12.03
46-55 $43.32 $81.12 $51.60 $85.68 30-34 $8.80 $12.30 $9.10 $12.60 30-34 $13.30 $18.70 $13.60 $19.00 30-34 $11.00 $15.50 $11.30 $15.80 40-49 $13.53 $21.03 $13.53 $21.03
56-70 $58.80 $113.40 $71.52 $120.72 35-39 $9.80 $13.90 $10.10 $14.20 35-39 $17.40 $24.45 $17.70 $24.75 35-39 $13.30 $18.85 $13.60 $19.15 50-59 $25.15 $38.46 $25.15 $38.46
40-44 $12.20 $17.35 $12.50 $17.65 40-44 $24.20 $33.75 $24.50 $34.05 40-44 $16.80 $23.75 $17.10 $24.05 60+$47.11 $71.40 $47.11 $71.40
Age EE Only EE+SP EE+CH EE+Fam 45-49 $15.90 $22.50 $16.20 $22.80 45-49 $32.60 $45.50 $32.90 $45.80 45-49 $21.20 $29.90 $21.50 $30.20
Under 25 $6.80 $9.25 $7.10 $9.55 50-54 $20.10 $28.20 $20.40 $28.50 50-54 $43.10 $59.75 $43.40 $60.05 50-54 $26.20 $36.70 $26.50 $37.00 Age EE Only EE+ SP EE+CH EE+Fam
25-29 $8.20 $11.35 $8.50 $11.65 55-59 $25.10 $34.95 $25.40 $35.25 55-59 $56.50 $78.10 $56.80 $78.40 55-59 $32.50 $45.35 $32.80 $45.65 18-29 $8.70 $13.79 $8.70 $13.79
30-34 $9.30 $13.00 $9.60 $13.30 60-64 $33.20 $46.55 $33.50 $46.85 60-64 $76.60 $107.55 $76.90 $107.85 60-64 $42.10 $59.50 $42.40 $59.80 30-39 $13.60 $21.13 $13.60 $21.13
35-39 $11.00 $15.50 $11.30 $15.80 65-69 $42.00 $60.60 $42.30 $60.90 65-69 $94.50 $136.90 $94.80 $137.20 65-69 $51.50 $74.70 $51.80 $75.00 40-49 $25.60 $39.13 $25.60 $39.13
40-44 $15.00 $21.15 $15.30 $21.45 70-74 $56.70 $80.75 $57.00 $81.05 70-74 $118.50 $167.90 $118.80 $168.20 70-74 $65.60 $93.95 $65.90 $94.25 50-59 $48.82 $73.97 $48.82 $73.97
45-49 $22.00 $30.75 $22.30 $31.05 75+$79.40 $107.15 $79.70 $107.45 75+$152.40 $199.10 $152.70 $199.40 75+$85.30 $115.80 $85.60 $116.10 60+$92.75 $139.86 $92.75 $139.86
50-54 $30.40 $42.20 $30.70 $42.50
55-59 $40.90 $56.40 $41.20 $56.70 Age EE Only EE+SP EE+CH EE+Fam Age EE Only EE+SP EE+CH EE+Fam Age EE Only EE+SP EE+CH EE+Fam Age EE Only EE+ SP EE+CH EE+Fam
60-64 $58.20 $81.35 $58.50 $81.65 Under 25 $13.40 $18.20 $14.00 $18.80 Under 25 $17.20 $23.80 $17.80 $24.40 Under 25 $16.00 $22.20 $16.60 $22.80 18-29 $12.32 $19.21 $12.32 $19.21
65-69 $78.50 $113.45 $78.80 $113.75 25-29 $15.80 $21.90 $16.40 $22.50 25-29 $21.40 $29.90 $22.00 $30.50 25-29 $19.00 $26.60 $19.60 $27.20 30-39 $19.66 $30.23 $19.66 $30.23
70-74 $107.10 $151.30 $107.40 $151.60 30-34 $17.60 $24.60 $18.20 $25.20 30-34 $26.60 $37.40 $27.20 $38.00 30-34 $22.00 $31.00 $22.60 $31.60 40-49 $37.66 $57.22 $37.66 $57.22
75+$145.00 $188.85 $145.30 $189.15 35-39 $19.60 $27.80 $20.20 $28.40 35-39 $34.80 $48.90 $35.40 $49.50 35-39 $26.60 $37.70 $27.20 $38.30 50-59 $72.50 $109.49 $72.50 $109.49
40-44 $24.40 $34.70 $25.00 $35.30 40-44 $48.40 $67.50 $49.00 $68.10 40-44 $33.60 $47.50 $34.20 $48.10 60+$138.39 $208.32 $138.39 $208.32
Age EE Only EE+SP EE+CH EE+Fam 45-49 $31.80 $45.00 $32.40 $45.60 45-49 $65.20 $91.00 $65.80 $91.60 45-49 $42.40 $59.80 $43.00 $60.40
Under 25 $13.60 $18.50 $14.20 $19.10 50-54 $40.20 $56.40 $40.80 $57.00 50-54 $86.20 $119.50 $86.80 $120.10 50-54 $52.40 $73.40 $53.00 $74.00 Age EE Only EE+ SP EE+CH EE+Fam
25-29 $16.40 $22.70 $17.00 $23.30 55-59 $50.20 $69.90 $50.80 $70.50 55-59 $113.00 $156.20 $113.60 $156.80 55-59 $65.00 $90.70 $65.60 $91.30 18-29 $6.68 $10.75 $6.68 $10.75
30-34 $18.60 $26.00 $19.20 $26.60 60-64 $66.40 $93.10 $67.00 $93.70 60-64 $153.20 $215.10 $153.80 $215.70 60-64 $84.20 $119.00 $84.80 $119.60 30-39 $11.11 $17.40 $11.11 $17.40
35-39 $22.00 $31.00 $22.60 $31.60 65-69 $84.00 $121.20 $84.60 $121.80 65-69 $189.00 $273.80 $189.60 $274.40 65-69 $103.00 $149.40 $103.60 $150.00 40-49 $20.66 $31.73 $20.66 $31.73
40-44 $30.00 $42.30 $30.60 $42.90 70-74 $113.40 $161.50 $114.00 $162.10 70-74 $237.00 $335.80 $237.60 $336.40 70-74 $131.20 $187.90 $131.80 $188.50 50-59 $40.06 $60.83 $40.06 $60.83
45-49 $44.00 $61.50 $44.60 $62.10 75+$158.80 $214.30 $159.40 $214.90 75+$304.80 $398.20 $305.40 $398.80 75+$170.60 $231.60 $171.20 $232.20 60+$73.18 $110.51 $73.18 $110.51
50-54 $60.80 $84.40 $61.40 $85.00
55-59 $81.80 $112.80 $82.40 $113.40 Age EE Only EE+ SP EE+CH EE+Fam
60-64 $116.40 $162.70 $117.00 $163.30 18-29 $11.88 $18.56 $11.88 $18.56
65-69 $157.00 $226.90 $157.60 $227.50 30-39 $20.75 $31.86 $20.75 $31.86
70-74 $214.20 $302.60 $214.80 $303.20 40-49 $39.85 $60.51 $39.85 $60.51
75+$290.00 $377.70 $290.60 $378.30 50-59 $78.66 $118.72 $78.66 $118.72
60+$144.90 $218.08 $144.90 $218.08
Aflac Proposed Wellness Tobacco
$20,000 EE, $10,000 SP
Aflac Proposed Wellness Non Tobacco
$10,000 EE, $5,000 SP
Aflac Proposed Wellness Non Tobacco
$20,000 EE, $10,000 SP
Aflac Proposed Wellness Non Tobacco
$30,000 EE, $15,000 SP
Aflac Proposed Wellness Tobacco
$10,000 EE, $5,000 SP
UHC Attained Age Non-Tobacco Wellness
$20,000 EE, $10,000 SP, $5,000 CH
UHC Attained Age Tobacco Wellness
$10,000 EE, $5,000 SP, $2,500 CH
UHC Attained Age Non-Tobacco Wellness
$10,000 EE, $5,000 SP, $2,500 CH
UHC Attained Age Tobacco Wellness
$20,000 EE, $10,000 SP, $5,000 CH
Aflac Current FD Wellness UHC Issued Age Tobacco Wellness
$10,000 EE, $5,000 SP, $2,500 CH
UHC Issued Age Tobacco Wellness
$20,000 EE, $10,000 SP, $5,000 CH
UHC Issued Age Non-Tobacco Wellness
$10,000 EE, $5,000 SP, $2,500 CH
UHC Issued Age Non-Tobacco Wellness
$20,000 EE, $10,000 SP, $5,000 CH
City of Denton
Individual Critical Illness Marketing Analysis
Effective: 6/1/2021
Page 6
Proposed
Benefits Colonial
Eligibility
Full Time Active Employees
working 20+ hours per week, excludes seasonal and
temporary
Underwriting Guidelines
EE: $5,000 - $75,000
SP: 50% of EEChild: 25% of EE
Pre-Existing Conditions 12/12
Heart Attack
Stroke
Major Organ FailureEnd-stage renal (kidney) failure
Coronary Artery Bypass Surgery
(Coronary Artery Disease)25% of selected benefit
Cancer (Invasive)N/A
Health Screening Benefit $50 per covered
member/year
Reoccurrence Included - benefit varies
Participation Requirement -
Rate Guarantee -
Employee Rates (Attained Age)30 Yr. Old Non-Smoker
40 Yr. Old Non-Smoker
50 Yr. Old Non-Smoker
Employee Rates (Issue Age)$20,000 Benefit 30 Yr. Old Non-Smoker $9.95
40 Yr. Old Non-Smoker $17.15
50 Yr. Old Non-Smoker $29.15
-
100% of selected benefit
City of Denton
Individual Critical Illness Rates
Page 7
Age EE Only EE+ SP EE+CH EE+Fam
17-24 $6.95 $10.50 $6.95 $10.50
25-29 $8.35 $12.70 $8.35 $12.70
30-34 $9.95 $15.30 $9.95 $15.30
35-39 $13.15 $20.10 $13.15 $20.10
40-44 $17.15 $26.30 $17.15 $26.30
45-49 $22.75 $34.90 $22.75 $34.90
50-54 $29.15 $44.90 $29.15 $44.90
55-59 $35.95 $55.10 $35.95 $55.10
60-64 $44.95 $68.90 $44.95 $68.90
65-70 $53.75 $82.50 $53.75 $82.50
Age EE Only EE+ SP EE+CH EE+Fam
17-24 $8.95 $13.70 $8.95 $13.70
25-29 $11.55 $17.70 $11.55 $17.70
30-34 $14.95 $22.90 $14.95 $22.90
35-39 $21.15 $32.30 $21.15 $32.30
40-44 $27.35 $42.10 $27.35 $42.10
45-49 $35.35 $54.50 $35.35 $54.50
50-54 $44.35 $68.30 $44.35 $68.30
55-59 $56.15 $86.30 $56.15 $86.30
60-64 $67.75 $104.10 $67.75 $104.10
65-69 $81.95 $125.90 $81.95 $125.90
Colonial Issue Age Non-Tobacco Rates w/ Wellness
$20,000 EE, $10,000 CH & SP
Colonial Issue Age Tobacco Rates w/ Wellness
$20,000 EE, $10,000 CH & SP
City of Denton
Group Cancer Marketing Analysis
Effective: 6/1/2021
Page 8
Current FD Policy Current FD Policy Proposed
Aflac - Option 2 Aflac - Option 3 Symetra Age EE Only EE+SP EE+CH EE+Fam
Underwriting Guidelines
EE: $5,000 - $20,000
SP: 50% of EE
Child: 25% of EE
Under 24 $3.41 $6.17 $3.75 $6.49
Initial Diagnosis
Employee/Spouse: $4,000
Dependent Child: $8,000
(once per covered person/lifetime)
Employee/Spouse: $6,000
Dependent Child: $12,000
(once per covered person/lifetime)
25-29 $4.14 $7.25 $4.46 $7.57
Surgery
$100-$3,400
Anesthesia: Addtnl 25% of surgery
benefit not to exceed $4,250 total
$140-$5,000
Anesthesia: Addtnl 25% of surgery benefit
not to exceed $6,250 total
30-34 $5.33 $9.02 $5.65 $9.35
Lodging $65/day (limit 90 days/year)$80/day (limit 90 days/year)35-39 $7.24 $11.88 $7.56 $12.21
Transportation $0.40/mile up to $1,200/round trip $0.50/mile up to $1,500/round trip 40-44 $11.03 $17.59 $11.37 $17.92
Ambulance 45-49 $16.75 $26.18 $17.09 $26.50
Hospice Care 50-54 $25.56 $39.38 $25.87 $39.69
Outpatient Surgical $200/day $300/day 55-59 $37.46 $57.26 $37.80 $57.55
Hospitalization < 30 days: $200 (EE/SP)/$250 (CH)
30 days+: $400 (EE/SP) / $500 (CH)
< 30 days: $300 (EE/SP)/$375 (CH)
30 days+: $600 (EE/SP) / $750 (CH)60-64
$53.67 $81.49 $53.98 $81.86
Wellness Screening $75 per covered person/year
(Cancer Screening)
$100 per covered person/year
(Cancer Screening)$50/calendar year 65-69 $73.64 $111.51 $73.99 $111.85
Participation Requirement Greater of 10% or 25 enrolled 70-74 $87.43 $132.40 $87.84 $132.40
Rate Guarantee 2 years 75-79 $99.80 $150.97 $100.15 $150.97
Rates Monthly Monthly Monthly 80-84 $107.06 $161.69 $107.06 $161.69
Employee Only $37.26 $50.06 85+$105.39 $159.19 $105.39 $159.19
Employee + Spouse $67.02 $88.44
Employee + Child(ren) $38.10 $50.90
Employee + Family $67.86 $89.28
Took Critical Illness Plan, but
stripped all benefits except the
cancer benefits.
Symetra Attained Age Wellness
$20,000 EE, $10,000 SP, $5,000 CH
See Rate Table
Invasive Cancer: 100% of
selected benefit
Minor Cancer: 25% of
selected benefit$250
$1,000 day 1, $50/day after; $12,000 lifetime max
-
-
City of Denton
Individual Cancer Marketing Analysis
Effective: 6/1/2021
Page 9
Colonial $5,000 Level
1
Colonial $5,000 Level
2
Colonial $10,000 Level
1
Colonial $10,000 Level
2
Underwriting Guidelines
Initial Diagnosis
Surgery Up to $2,500 Up to $3,000 Up to $2,500 Up to $3,000
Lodging
Transportation
Ambulance
Hospice Care
Outpatient Surgical $100/day up to
$300/year
$200/day up to
$600/year
$100/day up to
$300/year
$200/day up to
$600/year
Hospitalization < 30 days: $100/day
30 days+: $200/day
< 30 days: $150/day
30 days+: $300/day
< 30 days: $100/day
30 days+: $200/day
< 30 days: $150/day
30 days+: $300/day
Wellness Screening
Participation Requirement
Rate Guarantee
Rates Monthly Monthly Monthly Monthly
Employee Only $20.20 $23.75 $27.70 $31.25
Employee + Spouse $32.50 $37.75 $45.00 $50.25
Employee + Child(ren) $20.85 $24.55 $28.85 $32.55
Employee + Family $33.15 $38.55 $46.15 $51.55
-
Proposed
Internal Cancer Health Question & AIDS/HIV question
$5,000
$50 per day, w/ $1,000 initial benefit
$250/trip (limit 2/confinement)
$0.50/mile up to $1,000
$50/day (limit 70 days/year)
N/A
3 Enrolled
N/A
3 Enrolled
$10,000
$50 per day, w/ $1,000 initial benefit
$250/trip (limit 2/confinement)
$0.50/mile up to $1,000
$50/day (limit 70 days/year)
City of Denton
Group Hospital Marketing Analysis
Effective: 6/1/2021
Page 10
Current FD Policy Proposed
Aflac - Option 1 Aflac Group Symetra 3 UHC C Wellness
Underwriting Guidelines Guarantee Issue - No Health
Questions for New Hires, during
OE or QLEs
Hospital Confinement $2,000
payable once/calendar yr.
$2,000 Admission then $200 per
day up to 31 days
First day: $2,000 then
$200 daily up to 30 days,
no limit on the first day admission benefit
$2,000 Admission, then $250 per day up to 364
days*
Rehabilitation Facility
$100/day (15
days/confinement)
30 days/calendar
yr./covered person
Emergency Room $100 (2 payments/calendar
yr.)
Physician Visit
$25/visit (3 visits/calendar
yr. for ind. coverage, 6 for
family)
Lab & X-Ray $35 (2/covered
person/calendar yr.)
Imaging $150 (2/covered
person/calendar yr.)
Ambulance $200 (2 trips/covered
person/calendar yr.)
Surgery Benefit
$50-$1,000
1 payment/24 hr.
period/covered person
Participation Requirement --
Rate Guarantee -3 Years
Rates Monthly*Monthly Monthly Monthly
Employee Only $37.50 $31.94 $27.52 $17.29
Employee + Spouse $61.92 $61.92 $58.64 $40.29
Employee + Child(ren) $51.48 $48.96 $45.11 $32.05
Employee + Family $64.92 $78.94 $81.65 $61.96
*Rates are for $2,000
benefit, age 18-49
Non HSA Compliant
ProposedProposed
Greater of 25 employees
or 10%
N/A
Includes Health
Advocacy Services,
EAP+Work/Life Program,
Wellness Program,
Pharmacy Discount
Program and Survivor
benefit
2 Years
Guarantee Issue - No
Health Questions for New
Hires, during OE or QLEs
Guarantee Issue - No
Health Questions for New
Hires, during OE or QLEs
-
3 Years
*1 admission per plan
year
$50 health screening
benefit
N/AN/A
1 admission benefit per year, Daily
confinement benefits limited to 31
days/confinement. If confinement
for same condition occurs w/in 6
months of original it is treated as a
continuation of the first.
Subsequent confinements for
different conditions covered up to
31 days.
$50 health screening benefit
City of Denton
Group Hospital Rates
Page 11
Age EE Only EE+ SP EE+CH EE+Fam
18-49 $37.50 $61.92 $51.48 $64.92
50-59 $40.86 $71.40 $53.58 $73.56
60-75 $45.60 $80.58 $58.26 $84.48
Aflac Monthly Premium $2,000 benefit
City of Denton
Individual Hospital Marketing Analysis
Effective: 6/1/2021
Page 12
Proposed
Colonial Plan Level 3
Underwriting Guidelines
Hospital Confinement $1,500
Rehabilitation Facility
Emergency Room
Physician Visit
Lab & X-Ray
Imaging
Ambulance
Surgery Benefit
Participation Requirement
Rate Guarantee
Rates
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
-
-
$100/day up to 15 days per
confinement
Guarantee Issue - No
Health Questions for New
Hires, during OE or QLEs
See rate table.
N/A
City of Denton
Individual Hospital Rates
Page 13
Age EE Only EE+ SP EE+CH EE+Fam
17-49 $12.30 $23.40 $16.80 $27.90
50-59 $17.40 $33.05 $21.90 $37.55
60-64 $23.80 $45.20 $28.30 $49.70
65+$31.70 $60.20 $36.20 $64.70
Age EE Only EE+ SP EE+CH EE+Fam
17-49 $18.00 $34.25 $24.50 $40.75
50-59 $25.25 $47.95 $31.75 $54.45
60-64 $34.60 $65.70 $41.10 $72.20
65+$46.10 $87.55 $52.60 $94.05
Colonial Monthly Premium $1,000 benefit
Colonial Monthly Premium $1,500 benefit
Disclaimer
The following summary of coverages is to be used only as an overview of each policy written and in no way should it be used, nor is intended to be used, as a substitute for
the original policy provisions. It has been prepared as a guideline for your reference only.
The policy/policies contain conditions, limitations and exclusions which may affect or limit coverage to be provided and should be reviewed by the insured to verify that coverage has been written as requested.
All of the information contained in this proposal is subject to the terms, conditions and limitations contained in the policies. Values are based on information provided by the
client.
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