Phone:   (216) 732-8600   Toll Free:   1-877-PRIDE-99   Fax:   (216) 732-7191

Our Commitment Healthcare benefits are a key priority to everyone. Healthcare can be complex and is ever-changing. P.R.I.D.E is dedicated solely to you and your healthcare benefits.   We work directly for you, not the insurance companies. We do this by researching all health insurance carriers and finding the best health insurance benefits that suit you and your employee’s needs, at a competitive cost. Then we back it up with the best quality customer service, so we can guarantee you and your employee’s satisfaction.                             Did You Know? Health insurance claims outnumber all other insurance claims combined by more than 2 to 1. It costs a family more for their health insurance each month than all of their other typical insurance plans combined. Health insurance premium increases have outpaced normal inflation by 4 to 1. Prescription cost and usage have inflated more than 250% in the past five years. There are more federal and state laws and regulations that govern or interact with health insurance benefits, than all other types of insurance coverage combined.                       P.R.I.D.E vs. the Rest Captive Agencies works directly for one insurance carrier can not present another carrier’s products. Provides little or no servicing, mainly set up to sell one insurance carrier’s plans Traditional Brokerage Agencies usually works for 3-4 insurance carriers, selling their products exclusively They sell numerous other products such as: annuities, life, 401K’s, disability etc. Most services are handled by the insurance carrier that they sell you.                                    P.R.I.D.E Our loyalty is to our clients not the insurance companies. We handle only healthcare benefits, no other types of insurance. Research all health insurance carriers and their numerous plans. We have clients with over 20 different health insurance carriers. Provide extensive in-house client servicing for employers and employees. Our brokers are consultants, not salesmen. It is easy to see the difference between everyone else and P.R.I.D.E. We have dedicated all of our resources toward satisfying you and your employees with the best healthcare benefits.  We have committed ourselves only to the health insurance field, due to the high cost and fast pace changes in healthcare such as: numerous state and federal laws, constant changes in healthcare coverage, hospital networks, prescription drug formularies, and especially the ever increasing cost of your health insurance plans.                                 Our Research All groups are not created equal, and have various needs and desires. We are very diligent in researching all carriers and their variety of plans for you, to ensure that you and your employees are on the proper plan that fits your needs. The types of plans that we research: Individual, Small and Large Group Health Coverage Medical, Prescription, Dental and Vision Traditional, PPO, POS, EPO, and HMO Self-Funded, Partial / Flex Funded, MSA, and Fully Insured Below are just a few insurance carriers that we research: American Medical Security          Cigna Aetna/US Healthcare           Kaiser Midwest Security                Pacific Life Medical Mutual of Ohio          Guardian Medical Mutual of Ohio/COSE      AFLAC Anthem Blue Cross/Blue Shield    QualChoice Anthem BC/BS/Chamber of Com.     UPMC United Healthcare          Unicare/Wellpoint Metropolitan Life         American Community The Provident                 Golden Rule Continental General Life      Great West Equitable                      Summacare Highmark Blue Cross/Blue Shield Empire/Zurich Life         Fortis Mutual of Omaha         Celtic Nationwide/Ohio Farm Bureau      Allianz Fidelity Security Life Health Assurance Humana/Employers Health     John Alden       We also research numerous TPA’s self-funded plans for large groups with 100 + employees. We find that over 70% of prospective clients that we meet, would be better suited with a different plan and/or insurance carrier. If you are part of the other 30%, we will be the first to inform you that you would be better off staying with your current health coverage. In cases such as these, we can still be of service to you. If you would like us to work for you, all you would have to do is sign a change of agent form. Then we will provide you with all of our various services with no additional cost to you.                            P.R.I.D.E Brokers The three most important qualities P.R.I.D.E looks for in a broker are trust, knowledge, and service. Along with these three qualities, P.R.I.D.E brokers stand out because of the following traits: § They are consultants, not salesmen § Our brokers have at least 10 years of experience in the healthcare field § They specialize in healthcare benefits only § Will make recommendation and assist with union negotiations § Consult on federal and state insurance laws as well as COBRA, Family Medical Leave Act, and other labor laws pertaining to healthcare § Present healthcare plans at open enrollment to all employees and throughout the rest of the year for new hires § Will also consult with employees leaving your company, regarding COBRA and other health insurance options § Have vast knowledge of health insurance industry and medical field, and how healthcare plans interact on a daily basis with providers of medical care PRIDE brokers do not receive commissions directly from any insurance companies, and are not allowed to accept Caribbean Cruises, vacations of any type, cash bonuses, gold coins or any other incentive or inducement from any insurance companies or marketing agencies pushing certain plans or carriers.  PRIDE brokers only added incentives are provided by PRIDE and are based on the retention of clients. This ensures that our brokers are consultants not salesmen. Please contact our main office to verify PRIDE Brokers!                How is P.R.I.D.E compensated? PRIDE charges no extra fees or dues for any of our services to our clients.  We receive the same commission that all other captive agents and brokers would receive, set by whichever insurance carrier you choose, and is already calculated into all premiums.  The only exception is groups of 50 or more employees, which will vary depending on the insurance carrier you choose.                       Application Department This department is instrumental in processing new clients, and existing client’s applications for new coverage.  It also processes all other changes such as: * Add new hires * Change billing * Change of agent forms * Change of benefits * Cancel former employees When accepted by a new insurance carrier the application department assures the cancellation of the present insurance carrier. The application department verifies that you have received your policy, medical cards, network books, and much more!                          Our Client Services A very important part of your benefits are the services that we provide to you and your employees. Therefore, we have devoted ourselves to your satisfaction, by providing you with the best quality customer service possible. The following are just a few of the services we offer:                         Services to Employer Ø Add new employees to plan Ø Cancel former employees from plan Ø Refund of premiums for cancelled employees or cancelled plans Ø Change of coverage or benefits Ø Surveys for industry benefit comparisons Ø Assistance with COBRA employees Ø Assistance with Medicare/HCFA coordination of benefits Ø Premium billing problems Ø Plus numerous other services                        Services to Employee Ø Getting medical cards issued or reordered Ø Adding dependents to coverage Ø Assist with all claims problems Ø Help try to get doctors in the network Ø Find primary care as well as specialty physicians in network Ø Filing claim appeals with insurance carrier and/or State Dept. of Ins. Ø Assist with pre-certification and pre-authorization process Ø Providing healthcare educational material Ø Plus numerous other services Now each employee has someone they can call that works for them and their best interest and not the insurance company or medical providers. This helps assure your employee’s satisfaction with their benefits and at the same time reduces Human Resource Department workload. We also assist with government and hospital programs § Healthy Start - free healthcare coverage for children if you qualify (A family of 5 with a gross annual income $41,340.00 or less would qualify) § Medicare - for under 65 yrs of age if disability qualifies under SSI § Medicaid and free hospital programs for people meeting the federal poverty guidelines and also numerous hospital discounts depending on financial status Our service department is famous for winning over 90% of the complaints filed with the State Department of Insurance on behalf of our clients.                                Renewals As healthcare cost continue to rise, the insurance carriers, every 12 months will increase their premium rates. We realize that renewal time for our clients is usually not a joyous occasion, nor can we promise to turn it into one, but we will utilize all our agency’s expertise and resources to ensure the best possible outcome. * Our renewal department requests our clients rate renewals 60 days before the rate renewal would be in effect(large groups 90 days). This gives our Brokers time enough to contact the insurance carriers to question and negotiate the rate renewal.   * Then most importantly, we contact you to discuss your numerous options, from accepting the rate renewal to researching all other viable options. This is the best way for us to assure your satisfaction. Introducing our new and exclusive “Healthy Lifestyle Incentive Program” This program was designed by the founders of PRIDE for groups of 25 or more employees. The purpose of the program is to help maintain and improve your employee’s and their spouse’s overall health by presenting a fun contest that gives then incentive rewards. We have recruited numerous well-known sponsors that provide us with great prizes such as:   ¨ Cavs  / Rockers, and Indians tickets ¨ Gift certificates to popular restaurants ¨ Passes to movie theatres and them parks ¨ Three days getaways to Orlando,Las Vegas, Myrtle Beach, Pocono Mountains, etc. ¨ As well as other great prizes This program focuses on five main categories, that if not maintained properly can lead to serious health conditions: * Quit smoking * Maintain healthy weight * Blood pressure * Cholesterol level * Blood sugar level The contest also rewards contestant’s points for participating in healthy programs like: * Health clubs *Aerobics classes * YMCA fitness classes * Player in sports league * Other qualified healthy programs * Attending quarterly or semi-annual Healthy Lifestyles seminars Employees and spouses are teamed up and employees that are in the normal range of all five categories can gain points for being a healthy buddy, which is someone who encourages another employee to quit smoking, lose weight, etc. We have pre-designed programs, or for groups of 50 or more employees we can design a program for your company. “Healthier employees are not only more productive, but will help keep your health insurance premiums lower”                      Message from Management Healthcare is an important asset to everyone and this is why we feel that health insurance brokers should be consultants and not salesmen.  Here at PRIDE we always put the client first making your needs our top priority and also ensuring that you receive the best possible benefits for you and your employees. We are diligent in making sure that we do our part as well by providing the best service that we know we can deliver.  When you are a client of PRIDE, you can rest assure that you will get the most out of you insurance plan and much more.                           P.R.I.D.E Facts * We only handle healthcare benefits, no other types of insurance * We have clients with 24 different health insurance carriers * We have clients in over 20 counties in Ohio, also in 5 other states * We can research coverage in 48 states (excluding Alaska and Hawaii) * 5 years leading field in consulting, research and customer service We are a one of a kind agency, others may try to imitate, but will never be able to duplicate our services or dedication in healthcare benefits 25701 Lakeland Blvd., Suite 105 Euclid, Ohio 44132 Phone (216) 732-8600 Fax   (216) 732-7191 Toll free (877) PRIDE-99 E-Mail Pridehealth@pridehealthcarebenefits.com Licensed under Pride, Inc. #23661 by the Ohio Department of Insurance POC–BRC 001 01/02