VIP WORKSITE COMPARISON STUDY.xlsx

	A	B	C	D
1	Accident - Worksite Comparison Study
2	Accident - Worksite Comparison Study
3	CARRIER	Aflac	Colonial	Assurity
4	OVERALL SCORE:	7	5	42 (1st)
5	Plan Names (comparing like 24 hour policies)	Option 3	Colonial Preferred	Accident Expense 3
6	Initial Physican Visit:	$200	$175	$150
7	Urgent Care Visit:	$200	$175	$150
8	Emergency Room	$200	$175	$300
9	Emergency Observation Room	$200	$0	$150
10	Telemedicine	$0	$0	$60
11	Ambulance (ground)	$200	$300	$300
12	X-ray	$0	$60	$300
13	Major Diagnostic exam	$200	$300	$150
14	Blood and Plasma Replacement	$200	$500	$900
15	Follow Up Visits	$35 per visit	$75 per visit	$150 per visit
16	Physical Therapy	$35 per visit	$50 per Visit	$90 per visit
17	Occupational or Speech Therapy	$0	$0	$90
18	Chiropractic Treatment	$0	$0	$90
19	Epidural Pain Management	$100	$0	$150
20	Perscription Meds	$0	$0	$15
21	Medical Supplies (over the counter)	$0	$0	$15
22	Appliances (mobility devices)	$125	$150	$375
23	Prosthetics	$800	$1,150	$3,000
24	Home Modification	$3,000	$0	$1,500
25	Vehicle Modification	$0	$0	$1,500
26	Transportation (ground)	$600	$900	$300
27	Family Lodging	$125x30 days	$175x30 days	$300x30 days
28	Specific injury benefits	$35-$12,500	$150-$18,000	$150-$45,000
29	Poisoning	$0	$0	$75
30	PTSD	$0	$300	$600
31	Occupational HIV	$0	$0	$900
32	Initial hospital Admission	$1,000	$1,250	$1,500
33	Hospital Confinement	$250x365 days	$250x365 days	$300x365 days
34	ICU Benefit	$400x15 days	$500x15 days	$600x30 days
35	Sub Acute ICU	$0	$400x30 days	$450x30 days
36	Rehab Unit	$150x30days	$50x15 days	$300x30 days
37	Hospital Confinement Child Care benefit	$0	$0	$60x30 days
38	Inpatient Surgery	up to $1250	up to $2100	up to $3000
39	Outpatient Surgery	$0	$0	$300
40	Exploratory Surgery	$0	$0	$750
41	Anesthesia	$0	$0	$300
42	Accidental Death	$50,000	$20,000	$75,000
43	Common Carrier Death (plane, train, etc)	$150,000	$80,000	$150,000
44	Accidental Death Children Education Benefit	$0	$0	$1,500
45	Dismemberment	up to $45,000	up to $30,000	up to $60,000
46	Wellness Benefit	$60/year no wait	$50/year no wait	$50 x2x2 no wait
47	Coverage availability	Up to Age 80	Up to Age 80	No Age Limit
48	Coverage Portability	Fully	Fully	Fully
49	Enrollment Platform/Process	Everwell	Harmony	All Tech Platforms
50	Rate Guarantees	Permanent	Permanent	Permanent
51	Participation Requirement	3 Apps	3 Apps	2 Apps
52	Waiver of Pre-Ex on 10+ cases	No		Yes
53	Customer Service Hold Times and Response	Average 3 hours	Average 25 min	Average 1 min
54	PRICE: (MONTHLY for the employee - 24 hr coverage)	$31.42	$21.00	$20.24
55	All plans are based upon the most popular offerings experience from each carrier. All plans illustrated are similar and competitive. Rates and benefits may vary slightly by state and risk class. Not all plans and plan designs are available in all states.
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58	Assurity's underwriting is a special offer for Voluntary Insurance Partners, LLC
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