For agent use only. Not for distribution to customers. National General Accident and Health markets products underwritten by National Health
Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation.
Agent Guide
for Senior Products
NGAH-SENIOR-AGENTGUIDE
Accident & Health
2
Senior Products Key Contacts
Agent Contacts
General Product Info: [email protected]
Leadership:
Bryan Derheim
VP Senior Product Sales &
National Accounts
Ph: 651-341-8774
Email: [email protected]
Regional Sales Directors:
Glenna Doyle
Ph: 770-709-3975
Email - [email protected]
States: AL, FL, GA, SC
Eric Almassy
Ph: 602-412-3528
Email - [email protected]
States: AZ, CO, NM, OR, UT
Ever Martinez
Ph: 469-499-4776
Email - ever[email protected]
States: AR, LA, OK, TX
Regional Sales Managers:
Chris Neeck – Regional Sales Manager
Ph: 314-493-8852
Email: [email protected]
States: AR, IA, KS, LA, MI (upper), MN, MO, NE, ND, OK,
SD, TX, WI
Philip Mishler
Ph: 215-900-1163
Email - [email protected]
States: CT, DE, MA, MD, ME, NC, NH, NJ, NY, OH, PA, RI, VA, VT, WV
Commissions:
Agent Services:
Commissions and Appointment
888-376-3300
Chaz James
Ph: 585-307-8611
Email - [email protected]
States: AK, CA, ID, MT, NV, WA, WY
Dan Cullen
Ph: 847-732-2484
Email - [email protected]
States: IL, IN, KY, MI (lower), MS, TN
Andy Larson
Ph: 414-908-9810
Email: Andrew[email protected]
States: IA, KS, MI (upper), MN, MO,
NE, ND, SD, WI
Craig Rydzeski
Director Senior Product Sales &
National Accounts
Ph: 214-810-3474
Email: [email protected]
Jennifer Pasquale – Regional Sales Manager
Ph: 314-493-8853
Email: Jennifer[email protected]
States:
AK, AL, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KY, MA, MD, ME,
MI (lower), MS, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN,
UT, VA, VT, WY, WV
Member Contacts
Send Medicare Supplement
claims by mail to
National General
Accident and Health
P.O. Box 17110
Winston-Salem, NC 27116
Policy Administration
Customer Service at National General
Accident & Health
888-966-2345
Customer Service for
Medicare Supplement policies
issued prior to 1/1/2021
833-976-2628
Claims and Benefit Administration
Medicare Supplement
Administered by AMR
Customer Service:
833-976-2628
Meritain Health
DVH (Dental Only)
Network by Aetna
866-221-4988
Avesis
DVH (Vision Rider)
866-909-1085
Amplifon
DVH (Hearing Discount)
866-981-5817
Senior Indemnity
KBA (Key Benefit Administrators)
855-212-5014
Agent Enrollment Portal:
EnrollNatGen.com
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Introduction
Thank you for your interest in National General Accident & Health Senior Products.
We are committed to your success and make every effort to provide you with the products and resources you need,
so you can focus on helping your customers and grow your business.
Our broad portfolio of Senior products gives you the opportunity to sell all year long. With solutions in nearly every
state, you have the opportunity to meet more needs of more customers.
Our Medicare Supplement insurance, Senior Indemnity, and Dental, Vision & Hearing (DVH) plans offer
plenty of options for your Senior customers to customize their coverage in the way that works best for
them.
Medicare Supplement
For Medicare-eligible customers who need protection
from the out-of-pocket costs Medicare Part A and Part B
may not cover.
DVH
A Dental, Vision & Hearing plan designed for customers
age 55 and up, featuring three levels of dental coverage,
two levels of optional vision coverage, and hearing
discounts included with all plans.
Senior Indemnity
Plans to cover hospital stays, office visits, and more,
for customers 55
1
or older who need a supplement to
Medicare Advantage or Medicare Supplement, or need
coverage while they wait for Medicare eligibility.
My LIFE Senior and My LIFE Senior Plus
Association Memberships
These association memberships include discounts on
diabetic supplies, gym memberships, dental procedures,
vision exams and eyeglasses, and more.
It’s important to remember these products pay limited benefits; they do not constitute comprehensive
health insurance coverage (often referred to as major medical coverage) and do not satisfy the
requirement of Minimum Essential Coverage under the Affordable Care Act.
This guide is your sales planning tool — it contains useful information to help you help your customers through the purchase process.
For information about our portfolio of products for customers under age 65, contact your National General Sales Representative, or visit NatGenHealth.
com. Product availability varies by state.
____________________________________________________________________________________
Why work with us?
Did you know …
10,000 Americans turn 65 every day.
2
That’s a huge and growing market for your business. And we’re committed to helping you make the most of this
coming market change.
Products - National General Accident & Health offers a
suite of Senior-focused products that include Medicare
Supplement, Dental, Vision & Hearing, Senior Indemnity,
and various discount programs.
Technology - We offer market-leading technology that
simplifies and expedites the quoting and enrollment
process with our InstaDecision tool. Furthermore,
it includes instant access to ID cards and policy
management tools.
Support - Dedicated Medicare team to help support
all facets of your business, including Contracting,
On-boarding, Product Training, Technology Support,
Commissions, and more.
1. Eligible enrollment age in CO, MO, and PA is 65.
2. Source (09/2021): https://arc.aarpinternational.org/countries/united-states
Commissions:
Agent Services:
Commissions and Appointment
888-376-3300
Agent Enrollment Portal:
EnrollNatGen.com
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Agent Appointments
National General Accident & Health markets products underwritten by National Health Insurance Company
(NHIC), Integon National Insurance Company (INIC), and Integon Indemnity Corporation (IIC). Once you receive
your initial appointment with us, we follow a “just-in-time” appointment process, except in states that require
pre-appointment. Whenever you submit business for the first time in a new state, we will automatically submit
a request for appointment within the time frame required by that state. As appointments are processed, you will
receive an email notification confirming your appointment in a particular state. If you sell in multiple states, you will
receive an email each time you become actively appointed in a state.
In order to solicit our products, you must first complete an online application:
» Your sales representative will provide you with a personalized link, or you can call 888-376-3300.
» Applications are accepted electronically.
» If you hold active licenses in pre-appointment states at the time of your registration, the company will submit
a request to the state for appointment. Pre-appointment states will remain blocked until your appointment
confirmation has been received for those states.
____________________________________________________________________________________
EnrollNatGen.com – quoting and enrolling
EnrollNatGen.com is our one-stop website for quoting and enrolling all our Senior products.
With one tool, you can:
» Quote Senior products in a combined cart, so
you can show customers exactly what they’re
getting by combining products and applicants.
» Get an instant underwriting decision for
most applications with InstaDecision, our
underwriting tool.
» Start filling out applications and getting your
customers enrolled.
» View pending policies and download ID cards
for issued policies.
Getting started with EnrollNatGen.com is easy.
» Go to EnrollNatGen.com and log in with your Agent
Back Office (ABO) username and password, or click
the “Quote National General Senior Products”
button in ABO.
» If you are unable to log in or need to register for
ABO, call 833-408-5392.
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Medicare Supplement
Medicare Supplement Insurance offers customers
protection from out-of-pocket costs for the expenses
Medicare Parts A and B may not cover.
The plans offer customers:
» The flexibility to see any doctor or any hospital,
with no network restrictions or referrals as long as
Medicare is accepted.
» Automatic renewal as long as the premiums are
paid on time, with benefits that increase when the
Medicare deductible increases.
Eligibility Requirements
Applicants are eligible to apply for Medicare
Supplement insurance if they:
» Are covered under Medicare Part A & B.
» Are 65 years of age or older.
» Are Medicare eligible due to disability in a state
requiring under age 65 coverage.
» Reside in any of the following states: AK, AL, AR,
AZ, CA, CO, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA,
MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM,
NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI,
WV, WY
Exclusive MultiDiscount Benefits:
National General Accident & Health has created an
exclusive suite of discounts
1
and upgrades that your
customers will love and you will appreciate.
» 10% Annual Pay discount.
» 10% Household Multi-plan discount.
» 7% Roommate discount.
» 5% Activity Tracker.
Enrollment
Paper Application or online enrollment at EnrollNatGen.
com with E-Signature, Voice Signature, or Security
Question signature options.
Amplifon:
» Members of NatGen’s Medicare Supplement plans
will receive access to special discounts on hearing
exams and hearing devices with Amplifon Hearing
care.
» $75 copay for hearing exams at one of 5,000
credentialed facilities.
» No-cost hearing evaluations at Miracle Ear
locations.
» Hearing aides starting from $695.
(Refer to your states MedSupp brochure
for additional details.)
Active&Fit:
NatGen MedSupp members also enjoy access to
Active&Fit Direct. This program provides access to:
» Over 800 on-demand fitness videos.
» Access to over 10,000 fitness centers with no long-
term contracts.
» Refer to Active&Fit flyer for additional details.
New Business Guidelines
Applications must be submitted and received at the
home office within 30 days of the application signature
date. Once we receive the application, it will be
processed in the order in which it was received. If there
are any errors on the application, you will be notified as
they are found and corrections will be requested. Any
errors will need to be fixed before a policy can be issued.
Effective Date
All applications must contain a requested effective date.
Effective dates must be after the signature date of the
application and is available on the 1st through the 31st
of the month.
The effective date is required when submitting an
application and must be equal to or greater than the
Medicare Part B effective date, and after the signature
date of the application.
1. Varies by state. Not all discounts are available in all states. See your state brochure for details.
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Medicare Supplement (continued)
Guaranteed Issue:
An applicant applying under Guaranteed Issue may
request an effective date up to 60 days beyond the
application date.
Underwritten:
An applicant applying outside of open enrollment may
request an effective date up to 60 days beyond the
application date.
Birthday / Anniversary Rule:
Some states have special rules that allow a current
Medicare Supplement plan member to change from
their current plan to one of equal or lesser value with
a different company during either their birthday month
OR policy anniversary month, without having to pass
medical underwriting. Please refer to the Underwriting
Guide for state-specific guidelines.
Replacements
A replacement takes place when an applicant is
terminating existing Medicare Supplement or Medicare
Advantage insurance and replacing it with new
Medicare Supplement insurance.
National General Accident & Health requires a fully
completed application when applying for a replacement
policy; all replacements involving Medicare Supplement,
Medicare Select or Medicare Advantage insurance
MUST include a completed Replacement Notice.
Open Enrollment:
» An application may be submitted up to 6 months
prior to and 6 months following the first day of the
month of the applicant’s 65th birthday or up to 6
months prior to and 6 months following the date
the applicant becomes eligible for Medicare Part B.
And;
» The coverage effective date must be on or after the
Medicare A and B effective dates.
NOTE: Medicare ID/Claim number is required on all
applicants. For those applying prior to receiving their
Medicare ID/Claim number, be sure to supply this to us
when available. Claim processing can be delayed until
this number is received.
MACRA
The Medicare Access and CHIP Reauthorization Act
of 2015 (MACRA) is a Federal law that was passed
on April 16th, 2015. This law changed the available
Medicare supplement plans for those who become
newly eligible for Medicare on or after January 1,
2020. MACRA requires that Medicare supplement
plans that cover the Medicare Part B deductible cannot
be available to those who become newly eligible for
Medicare on or after January 1, 2020. Those who
become newly eligible for Medicare on or after January
1, 2020 may not be issued a policy for Plans C, F, or
HDF. However, these plans may be available to anyone
eligible on or before December 31, 2019.
For more information about Medicare Supplemental Insurance, see
the Medicare Supplement Underwriting guide.
THIS PLAN PROVIDES LIMITED BENEFITS. THIS IS A LIMITED POLICY DESIGNED TO COVER ONLY THOSE
EXPENSES WHICH MEDICARE APPROVES BUT DOES NOT COVER.
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Senior Indemnity
Senior Indemnity insurance is fixed-benefit insurance
that can help customers deal with out-of-pocket
expenses Medicare Supplement or Advantage plans
don’t cover, or help pay for services while customers
wait for Medicare eligibility.
» Fixed-benefit insurance pays a predetermined
benefit amount based on the type of service
provided or the time period during which the care is
received. The same benefit is paid for the covered
service regardless of the actual cost of the service.
» Senior Indemnity Max Plans One, Two, and Three
can help customers who are waiting for Medicare
eligibility.
» Senior Indemnity Base Plans Four and Five make
great additions to Medicare Advantage and
Supplement plans. They’ll help cover out-of-pocket
costs that other plans don’t.
» All plans feature immediate benefits for sickness,
with a 90-day waiting period for preventive care;
benefits for office visits, urgent care, and lab
services; and up to 31 days of hospitalization per
plan year.
Eligibility Requirements
» Primary must be age 55 – 74. Renewable to age 85.
1
» Dependents: Through age 25 (unless unmarried
and dependent due to disability).
» No child-only plans.
» Simplified Underwriting questions to determine
eligibility for ease of access.
» Senior Indemnity is an association product in some
states. In those states, enrollment into the My
LIFE Senior Association plan is required and/or
automatic.
Enrollment
Online via EnrollNatGen.com.
Effective Date
Effective date defaults to the 1st of the following
month. However, effective date can be changed to
reflect any day of the month.
Replacements
Provide the Health Replacement form with a copy of
the application at time of submission in the application
packet.
DVH: Dental, Vision & Hearing
Our (DVH) PPO plans are designed for adults age 55 and
up who want to live their best lives now. The plans help
pay for dental care, with optional vision coverage and
savings on hearing services.
» Access to Aetna Dental
®
Administrators network,
with 89,000 unique dentists and specialists.
» Three plans to choose from.
» Select benefits double in year two of the plan.
» Savings on hearing tests and devices from Amplifon
at all plan levels.
» Two levels of optional Vision coverage from Avesis.
Eligibility Requirements
» Primary and Spouse are 55-99, renewable to age 99.
» Dependents: Through age 25 (unless unmarried and
dependent due to disability).
» No child-only plans.
Enrollment
Online via EnrollNatGen.com.
Effective Date
Effective date defaults to the 1st of the following
month. However, effective date can be changed to
reflect any day of the month.
Replacements
Provide the Health Replacement form with a copy of
the application at time of submission in the application
packet.
Discounts
» 10% discount on Dental rate when Dental is
purchased on the same application/enrollment as
MedSupp.
» 10% discount on Dental rate when Dental is
purchased on the same application/enrollment as
Senior Indemnity.
1. Eligible enrollment age in CO, MO, and PA is 65.
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Marketing
National General Accident & Health Advertising, Promotions, and Marketing Policy
National General Accident & Health is committed to assuring that advertising and sales promotion materials for
National General products are clear as to the purpose, and truthful and fair as to the content and presentation.
To ensure advertising, promotion, and marketing clarity for any advertising materials, whether created by our home
office staff or by other marketers, you must have written approval from National General Accident & Health’s Legal
and Compliance and Marketing Departments prior to use.
Always refer to your agent agreement for details regarding advertising best practices and work with your National
General sales representative to acquire all appropriate approvals.
Ready-to-Use Marketing Materials
Marketing materials and product brochures can be found on our carrier website:
https://natgenhealth.com/marketing-materials.php
9
What to expect after the sale
ID Cards
If your customer’s plan includes ID cards, they will have
access to their ID cards on MyNatGen.com.
» Temporary ID cards are available right away;
and copies of permanent ID cards are posted
within 4 business days of issuance. Either can be
downloaded and used until the permanent ID cards
arrive in the mail.
» Permanent ID cards should arrive in the mail in
about five to seven business days from the time of
submission.
Medicare Supplement Insurance
Plan ID card
Member
Policy Number
Effective Date
For eligibility, benefits or
policyowner services, call:
[1-866-916-8816]
Plan Description
National General Accident & Health markets products underwritten
by National Health Insurance Company, Integon National Insurance
Company and Integon Indemnity Corporation.
Mail correspondence to:
[National General
Accident & Health
PO Box 3450
Salt Lake City, UT 84110]
[Member name]
[Policy number]
[Effective date]
[Description]
NOTE: This is your customer’s Medical ID card. Remind
your customers to always present their Medical ID card
when visiting the doctor.
Policy fulfillment
During the electronic application process, providing your
customer’s email address means that your customer
agrees to receive their policy, and/or certificate of
issuance, and other correspondence electronically. If
the applicant prefers to have the policy mailed, please
call us at 888-781-0585. If no email is provided at
time of application, policy/certificate and all other
correspondence will be mailed via USPS. Policy
fulfillment will not be mailed out until the first full modal
premium payment is received.
Email Correspondence
» Applicants are not required to provide an email
address in order to apply for Senior products.
» Customers who provide an email address may
elect to receive their policy documents and other
important policy information via email.
Policy Documents
Your customer can access their policy documents on
MyNatGen.com 24 to 48 hours after their signature
is submitted and policy becomes activated. All active
members, whether or not they choose electronic
delivery, will have access to view their policy documents
at MyNatGen.com.
Policy Administration
Member Portal: MyNatGen.com
After your customer has registered on
www.MyNatGen.com, your customer will have access
to the Member Portal to:
» View or download all policy documents and
correspondences.
» Print their ID cards for plans that use ID cards.
» Get answers to frequently asked questions.
» Locate a provider, if applicable to the plan your
customer purchased.
Premium changes
If National General makes any changes to a customer’s
monthly premium amount, the customer will be notified
of the new amount and the reason for the change. Email
notifications are sent to the email address on record.
Any premium changes to a customer’s policy/
policies will be communicated to the customer via
the customer’s chosen communication method, in
accordance with State rules and regulations.
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Important Information
Fair Credit Reporting Act
Federal law requires that a notice be given to any Applicant experiencing adverse action. The notice states that a
consumer report was reviewed as part of the enrollment process.
Notice of Insurance Information Practices
To issue an insurance plan, National General Accident & Health needs to obtain information about the people
proposed for insurance. Some of this information will come from the application, and some will come from other
sources.
All information collected by National General Accident & Health may, in certain circumstances, be disclosed to
third parties without the proposed insured’s specific authorization. The proposed insured has the right to access
and correct collected information that may relate to a claim or civil criminal proceeding. The notice is part of the
application/enrollment form for insurance.
HIPAA Privacy
As a business associate of National General Accident & Health, and as a representative working on behalf of each
applicant, it is your responsibility to protect the confidential information you collect. Health Insurance Portability and
Accountability Act (HIPAA) privacy and security regulations require that you, as a business associate, have physical,
administrative, and technical safeguards in place to protect this information.
Please refer to the National Health Insurance Company privacy notice found at www.natgenhealth.com to
understand how protected health information is handled at National General and how insureds can exercise their
individual rights under HIPAA. Please contact the National General Privacy Office immediately if you are aware of
any breach of protected health information.
Important Information for You and Your Customer
National General relies on your customer’s answers to the application questions, and these answers have a
significant impact on their eligibility for a plan. Information that is not completely and accurately disclosed may
result in plan rescission. If your customer provided you with any health history information that would require a
response of “yes” to a health question, you are required to disclose that information to us. The applicant must
disclose his or her full and complete medical information; obtaining all the required authorizations at the time
of application submissions is critical. Customers should contact National General if they think of any additional
information that should have been disclosed.
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(Rev. 04/28/2022) © 2022 National General Insurance. All rights reserved.
National General Accident & Health PO Box 1070 Winston-Salem, NC 27102-1070
Accident & Health
National General Accident & Health is focused on providing supplemental and short-term
coverage options to individuals, associations and groups. Products are underwritten by
National Health Insurance Company (incorporated in 1965), Integon National Insurance
Company (incorporated in 1987) and Integon Indemnity Corporation (incorporated in 1946).
These three companies, together, are authorized to provide health insurance in all 50 states
and the District of Columbia. National Health Insurance Company, Integon National Insurance
Company and Integon Indemnity Corporation have been rated as A+ (Superior) by A.M. Best.
Each underwriting company is financially responsible for its respective products.
