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19. If covered, explain the process that allows the general dentist to refer to the specialist.
20. Are any of your specialists board eligible/certified?
21. How do you fund your specialty care?
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1. What are the primary services you offer as part of your HSA product?
2. Do you offer an HSA-qualifying high deductible health insurance plan?
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1. Is an approval procedure required for getting a specialist referral or a diagnostic test or treatment in-network or out-of-network?
2. Are there any restrictions on getting second opinions from an in-network provider or an out-of-network provider?
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1. Do you guarantee a time limit on getting referral/treatment routine, urgent, emergency? If not, how many days does it take?
2. Do you have any conditions/diagnoses/symptoms that are referred automatically?
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1. What percentage of the cases you underwrote last year were issued at your top two preferred non-smoker classes?
2. What percentage of the cases you underwrote last year were issued at your top two standard nonsmoker classes?
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Assembling Our First Assembling Our First Voluntary Benefits Survey
Finding the Right Benefits Package for Your Clients
1.Please list the voluntary/employee-paid benefits that you offer along with the minimum group size for each offering:
2. Do you have any benefit offerings for employees that work fewer than 40 hours a week?
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American's Health Trends
Good Medicine or Bitter Pill?
• CA's Changing Healthcare Market
• The Value of CE in Healthcare Market
• Selling Self-Funding Plans
• Mini-Meds
• Healthcare Reform

Also Inside: -
• Fixed Annuities
• Dental Plans
• HSA Survey PT II
• Disability
• Life Settlements

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