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  •  - PRO Insurance Managers, Inc.
    AMS Health Sciences Amway AmyKate Miniature Gardens Anita Mallory Designs anyArt Arbonne International ArtNest ASEA Ava Anderson Ava Gray Avon AZULI SKYE Bandals International Barefoot Books BeachBody Beautycounter Become International Beijo Belcorp USA Bellaroma Beyond Organic Beyond Power Biltmore Inspirations Blessings Unlimited Bling By Zing Boisset Wine Living BonLook Boresha International Cairnlee Carlisle Collection Carico International Celadon Road Celebrating Grace Celebrating Home Chick Boss CieAura Clever Container Color By Amber Compelling Creations Concoria Conklin Company Country Gourmet Home Crossed by Gypsy Soule CUTCO Vector Marketing Corporation Daisy Blue Naturals Damsel in Defense Delivery com Demarle At Home DeTech Dove Chocolate Discoveries Dudley Beauty Corp Eclipse Candle Empower Network Enagic USA ENERGETIX GmbH Co KG Enfiniti Global Enzacta USA EPIQ Energy Essential Bodywear Etcetera eXfuze Fifth Avenue Collection Flavon USA FM Group USA Forever Living Products For Every Home FreeLife International Fuller Brush Fuxion Gano Excel USA GeneWize Life Sciences Gigi Hill Global Domains International Global Vision Network GNLD International Gold Canyon Gourmet Coffee Stations Grand Circle Corporation Great Big Teas H2O at Home Henkaa Herbalife HomeTec HTE USA Hy Cite Enterprises ID Life Immunotec In A Pikle Independence Energy Initial Outfitters Initials Interush Isagenix International iScentU It Works Global iWowWe com Jade and Jasper JAFRA Cosmetics International Jamberry Nails jBloom Jeunesse Global Jewel Kade Jillian Chase Jockey Person to Person John Amico Haircare Products Jordan Essentials Journey Blooms The Juice Plus Company Jusuru International K K Designs Kilambre Coffee The Kirby Company Kitchen Fair Regal Ware Krysalis Fit Kyani Language People Latasia Company L Bri Pure N Natural Legacy Republic LegalShield Lemongrass Spa Products LEO USA lia sophia Life Force International LifeMax Life Shotz LifePharm Global Network 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Radiantly You Rain International Rastelli Direct RBC Life RedFynn Technologies Regal Ware Reliv International Rena Ware International Rendi Rexair RLM Business Solutions Rockwood Soy Co Rocky Bella Rodan Fields Rosemary Grove Ruby Ribbon Sabika Sanki Global SAS SPURILLA Scent Lit Scentsy Scott Fetzer Company Seacret Send Out Cards SeneGence International Set to a Tea Shaklee Corporation Signature HomeStyles Silpada Designs Simplexity Health Simply Said SimplyFun Simply You Smart Circle International Smart Living Company Snack Healthy Soul Purpose Lifestyle South Hill Designs Southwestern Advantage SOZO Global Sportron International Stampin Up Stanley Home Products Steeped Tea Stella Dot Stemtech HealthSciences Corporation STEMVIDA INTERNATIONAL Stream Cosmetics Stream Energy Stream Gas Electric Ltd Sunrider International Sunway Biotech SwissJust Symmetry Corporation Synergy WorldWide Syntec Take Shape For Life Talk Fusion Tastefully Simple Tealightful Team National Temptu The Compound Factor Thirty One Gifts Thrivent Financial at Home Tobe Entertainment Tomboy Tools Touchstone Crystal TPS Global Traci Lynn Fashion Jewelry Trades of Hope Traveling Vineyard Trevo Tristar Enterprises TriVita Unicity International Union Springs Wellness Univera UndercoverWear Uppercase Living US Zhimingde International USANA Health Sciences Usborne Books More USFundraising Utoria Vantani Vantel Pearls Vemma Nutrition Company Viridia Viridian Energy ViSalus Eco Life Group ViVi Jewelry Vivri Vollara Vorwerk Votre Vu WakeUpNow Wildtree willagirl Willow House WineShop At Home Winnie Kat World Book World Tour Enterprises LTD WowWe XANGO Xyngular YOR Health Young Living Younique Your Inspiration at Home YPCK Zermat International Zija International Zinzino Zrii Zurvita Zyrra End of List If not Listed Required Your Contact Information Full Name Sr Jr II III IV Address City State State AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VT VA WA WI WV WY Zipcode Contact Phone 913 555 1234 Email Address Confirm Email Occupation MAGI Income Modified Adjusted Gross Income MAGI is your adjusted gross income plus any tax exempt Social Security interest or foreign income you have and is that total for all family members in your household regardless of whether they will be included on this insurance or not Health Information Date of Birth Month 01 02 03 04 05 06 07 08 09 10 11 12 Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Year 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1970 1971 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900 Gender Choose Male Female Tobacco No Yes Spouse Information If to be covered Full Name Date of Birth Month 01 02 03 04 05 06 07 08 09 10 11 12 Day 01 02 03 04 05 06 07 08 09 10 11 12 13

    Original URL path: http://pro4.us/healthreq.asp (2016-05-03)
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  • Testimonials - PRO Insurance Managers, Inc.
    to see what we have had to pay for family medical benefits through a company that claims to be for the self employed I was so excited to hear that PRO Insurance was going to be offering benefits to Cookie Lee Consultants and was amazed at the outstanding benefits offered for myself and my family at a considerably lower price We now have an excellent medical plan along with vision dental and life insurance for under the price that we were just paying for medical PRO was so quick to help with choosing a plan that fits my family needs and the application was processed and approved in only a week Having PRO Insurance available to my consultants is such a benefit to myself and so many I really feel that some consultants will be able to fulfill their dream and be a full time consultant and not have to hold onto another job just to keep their benefits Thank you PRO Insurance Managers You have already made a difference in my life and going forward I can t wait to see the differences in so many other consultants lives Shirley Arnett Executive Director National Trainer Cookie Lee Jewelry We are now saving half of what we would have paid through our old health insurance carrier N A S E After becoming agitated by letters every six months that our premium was going up another 100 we changed to broader coverage plans offered through PRO Insurance and were able to go from 700 per month to 368 a savings of 4 000 a year Jamie Brad K Omaha NE I can t begin to tell you the trouble we ve had finding a health insurance plan that would accommodate our family I have diabetes and while it is a mild form companies were not interested in offering me coverage After speaking to PRO Insurance Rich took the extra time necessary to listen to all of my prior problems they came up with a workable solution that provided me with coverage when no one else would With the high cost of health care in today s world I couldn t have gone uninsured and now I don t have to Thank you so much Barbara Rodenhill Plano TX The MultiCare card works to provide coverage where Medicare does not God Bless you PRO Insurance for making this available to us We could not afford the prescriptions sorely needed otherwise Thank You Thank You Thank You Betty Beck Scottsdale AZ Thank you so much for having coverage available for me to quit my full time job and pursue my dream S B Eau Claire WI I just recently got married Lisa s insurance is 340 per month and mine is 190 We wanted to merge our policies into one account After getting personal attention from Rich he reduced our monthly payment to 195 for both of us for a similar plan We are saving 335 per month That is a savings of

    Original URL path: http://pro4.us/testimonials.asp (2016-05-03)
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  • Health Terms - PRO Insurance Managers, Inc.
    the individual can accept or decline the coverage Eligibility period In contributory group insurance plans the period of time usually 31 days during which a new employee may apply for group insurance coverage Eligibility requirements The conditions a person must meet in order to be a participant in a group life insurance group health insurance or retirement plan Exclusions Medical services not covered by an individual s insurance policy the losses for which an insurance policy does not provide benefits such as those related to pre existing conditions cosmetic surgery or self inflicted injuries RETURN TO TOP F Federally qualified HMO In the United States a Health Maintenance Organization which satisfies specific requirements set forth in the Health Maintenance Organization Act of 1973 Federally qualified HMOs are entitled to certain grants and loans from the federal government and are eligible to be used by employers to satisfy the dual choice provision First dollar coverage Medical expense insurance under which no deductible or coinsurance is applicable to covered expenses RETURN TO TOP G Grace period The length of time usually 31 days after a premium is due and unpaid during which the policy including all riders remains in force If a premium is paid during the grace period the premium is considered to have been paid on time Guaranteed issue insurance Insurance coverage for which there is usually no individual underwriting All eligible members of a particular group of proposed insureds who apply for the policy and who meet certain conditions are automatically issued a policy RETURN TO TOP H Health insurance Insurance covering medical expenses or income loss resulting from injury or sickness Health insurance is a general category that includes many different types of insurance coverage including hospital confinement insurance hospital expense insurance surgical expense insurance major medical insurance disability income insurance dental expense insurance prescription drug insurance and vision care insurance Health Maintenance Organization HMO A pre paid or capitated insurance plan in which individuals or their employers pay a fixed monthly fee for services instead of a separate charge for each visit or service The monthly fees remain the same regardless of types or levels of services provided Services are provided by physicians who are employed by or under contract with the HMO HMOs vary in design depending on the type of the HMO services may be provided in a central facility or in a physician s own office RETURN TO TOP I Independent Practice Associations IPA s are similar to HMO s except that individuals receive care in a physician s own office rather than in an HMO facility Insurance A system of protection against loss in which a number of individuals agree to pay certain sums of money called premiums to create a pool of money which will guarantee that the individuals will be compensated for losses caused by events such as fire accident illness or death Insurance agent A representative of an insurance company who sells insurance An insurance agent locates prospective insurance customers determines the insurance needs of each customer and assists the customer in applying for insurance Typically an insurance agent will deliver the policy when the application is approved will collect the initial premium and will provide customer service to policyowners Indemnity health plan Also called fee for service these plans primarily existed before the rise of HMO s IPA s and PPO s With indemnity plans the individual pays a pre determined percentage of the cost of health care services and the insurance company or self insured employer pays the other percentage For example an individual might pay 20 percent for services and the insurance company pays 80 percent The fees for services are defined by the providers and vary from physician to physician Indemnity health plans offer individuals the freedom to choose their health care professionals IPA s are similar to HMO s except individuals receive care in a physician s own office rather than in an HMO facility RETURN TO TOP L Lapse The termination of an insurance policy because premiums were not paid when they came due Long term disability income insurance Disability income insurance which typically provides disability income benefits that begin at the end of a specified waiting period and that continue until the earlier of the date when the insured person returns to work dies or becomes eligible for pension benefits Loss ratio In pricing health insurance the loss ratio is a means of comparing claims losses to premium earnings To determine its loss ratio an insurer divides the dollar amount of claims it incurred during a given year by the dollar amount of premiums it earned during the same year Long term care policy Insurance policies that cover specified services for a specified period of time Long term care policies and their prices vary significantly Covered services often include nursing care home health care services and custodial care LOS LOS refers to the length of stay It is a term used by insurance companies case managers and or employers to describe the amount of time an individual stays in a hospital or in patient facility RETURN TO TOP M Major medical insurance A type of medical expense insurance that provides broad coverage for most of the expenses associated with treating a covered illness or injury Managed care A medical delivery system that attempts to manage the quality and cost of medical services individuals receive Most managed care systems offer HMO s and PPO s that individuals are encouraged to use for their health care services Some managed care plans attempt to improve health quality by emphasizing prevention of disease Maximum dollar limit The maximum amount of money an insurance company or self insured company will pay for claims within a specific time period Maximum dollar limits vary greatly They may be based on or specified in terms of types of illnesses or types of services Sometimes they are specified in terms of lifetime sometimes for a year Medical Information Bureau MIB An organization

    Original URL path: http://pro4.us/health-terms.asp (2016-05-03)
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  •  - PRO Insurance Managers, Inc.
    provides first class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short term travel medical product on the market today Patriot Platinum builds upon the Patriot Travel plan by providing up to 8 000 000 of coverage with enhanced benefits and services and our Global Concierge Assistance Services SM There are two plans available Patriot Platinum International SM provides coverage for U S citizens traveling outside the U S and Patriot Platinum America SM provides coverage for non U S citizens traveling outside their home country Coverage can be obtained from a minimum of five days up to three years Buy Platinum Insurance Review Patriot Platinum Travel Medical Insurance Coverage Patriot Green Travel Medical Insurance SM Environmentally conscious plan Patriot Green Travel Medical Insurance SM is designed for the environmentally conscious traveler and provides up to 2 000 000 of medical coverage and services This plan provides the same comprehensive benefits as the Patriot Travel plan but also includes eco friendly benefits including providing for the purchase of carbon offsets pays an additional 5 000 AD D benefit to an environmentally conscious organization and it is paperless Patriot Green International SM provides coverage for U S citizens traveling outside the U S and Patriot Green America SM provides coverage for non U S citizens traveling outside their home country Coverage can be obtained from a minimum of five days up to two years Buy Green Insurance Review Patriot Green Travel Medical Insurance Coverage Patriot Executive Travel Medical Insurance Business traveler annual coverage Patriot Executive is designed for the executive that takes multiple trips throughout the year outside his or her home country The plan provides coverage up to 30 days in length for each trip It offers the ease and convenience of purchasing a single annual plan at an affordable premium Patriot Executive International provides coverage for U S executives traveling outside the U S and Patriot Executive America provides coverage for non U S executives traveling outside their home country Buy Executive Insurance Review Patriot Executive Travel Medical Insurance Coverage Scholars faculty and student coverage while traveling working or studying outside their home country Patriot Exchange Program SM Cultural Exchange Student insurance plans Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs Two plan options are available The Basic Short Term Travel Plan is an economical plan while the Standard Short Term Travel Plan is designed to meet the U S J1 visa travel insurance requirements Its flexible plan design also provides three areas of coverage U S citizens worldwide except in the U S Non U S citizens worldwide except in their home country and Europe to Europe Plans are available in monthly increments and if a minimum of three months is purchased coverage may be renewed without break in coverage for a total of four years Buy Student Exchange Program Insurance Review Patriot Exchange Program Insurance Coverage Brochure Student Health Advantage SM Long term

    Original URL path: http://pro4.us/international.asp (2016-05-03)
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  • - PRO Insurance Managers, Inc.
    Endorsed By Direct Selling Association No cost No obligation Obtaining premium quotes advice and guidance from PRO Insurance is FREE Shop and compare no one can beat our prices Count on PRO You can count on these plans for their quality designs customer service and exceptional value They are backed by professional companies with longstanding experience and commitment to the highest of standards Need Advice 1 800 821 7383 Mon

    Original URL path: http://pro4.us/leadsource-short-quotit.asp (2016-05-03)
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  •  - PRO Insurance Managers, Inc.
    a far more affordable health insurance alternative Sometimes your best option is a healthcare exchange plan available through the Affordable Care Act click here for info If you find them to be too expensive you may be eligible to enroll in a Short Term Health plan that can last up to 12 months If you need coverage again you just need to reapply most states Because we all know that life can change quickly short term insurance plans give you the flexibility to drop your coverage at any time without penalty Options can include Start coverage as early as the next day Doctors Office Visit Low Co pays Prescription Co pays 30 360 days of coverage AL AR FL IA IL KY MS NC NE OH OR PA SC TN TX WI WV 30 184 days of coverage AZ DE GA IN LA MI MO NV OK VA WY Options can include Lifetime maximum benefit up to 2 000 000 Urgent Care Vists 50 Copay Unlimited Teladoc access 24 7 365 is included Choose single payment for 20 discount or pay as you go 30 360 days of coverage AL AK DE DC IA ID IL KS KY LA ME MS NC NV PA SC TX UT WA WV WY 30 184 days of coverage AR AZ CA CO CT FL GA IN MO MT ND NE NH NM OH OK SD TN VA WI Premier STM Options can include See any provider of your choice Lifetime maximum benefit up to 2 000 000 Primary Care Specialists Low Copays Unlimited Teladoc access 24 7 365 is included Choose single payment for 20 discount or pay as you go 30 360 days of coverage AL AR AZ DE FL GA IA IL IN KS KY LA MA MS MT NE NV

    Original URL path: http://pro4.us/stm.asp (2016-05-03)
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  •  - PRO Insurance Managers, Inc.
    state or if you don t qualify for a premium subsidy get immediate online rate quotes by clicking here or 2 Federal and or State On Exchange Plans If you qualify for a premium assistance Subsidy c l ick here to find out and will then be applying for health insurance coverage through the Exchange in your state PRO can continue to assist you the cost is the same either way Click here for instructions on what to enter while applying Healthcare reform began January 1 2014 The bill has over 2 400 pages long and it seems as though everyone has an opinion as to whether it may be good or bad for Americans To hopefully answer a good many questions and to help cut through some of the hype surrounding healthcare reform PRO Insurance Managers is your resource for plain English unbiased information on coverages plans and more In March 2010 President Obama signed landmark health reform legislation into law This law has two pieces the Patient Protection and Affordable Care Act and the Health Care and Education Affordability Reconciliation Act of 2010 Health Reform Acts When joined together these pieces resulted in major changes across the U S health care system for virtually everyone Specifically the Health Reform Acts led to important changes in the individual family insurance market and will continue to do so in the coming months and years It is important to remember that the specific details of how the changes will be implemented are subject to regulations from the U S Department of Health Human Services HHS National Association of Insurance Commissioners NAIC or other authorized entity Healthcare reform legislation now provides for 100 coverage on many wellness preventive services The services listed on the United States Preventative Services Task Force website are now covered with no waiting period Services listed as grades A and B are paid at 100 before customers pay any deductible or coinsurance All other services not grades A or B would be applied to the deductible and coinsurance provisions of your health plan Please CLICK HERE for specific services and recommendations for preventive care for you If you re feeling confused about health reform you re not alone Although the rules surrounding the health care reform law will continue to be written here is a basic summary of what is included in The Patient Protection and Affordable Care Act PPACA Y ou can also call PRO Insurance for advice and answers toll free at 800 821 7383 Since the start of Reform January 2014 Whether you re an individual buying coverage on your own or a small employer up to 100 employees buying coverage for your employees many rules for how that coverage works will be different First health insurance companies can t turn anyone down for health insurance coverage or ask any questions about their health when coverage is applied for In addition strict rules for how much premiums can vary from one person to another are

    Original URL path: http://pro4.us/health-reform.asp (2016-05-03)
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  •  - PRO Insurance Managers, Inc.
    Lynn Fashion Jewelry Trades of Hope Traveling Vineyard Trevo Tristar Enterprises TriVita Unicity International Union Springs Wellness Univera UndercoverWear Uppercase Living US Zhimingde International USANA Health Sciences Usborne Books More USFundraising Utoria Vantani Vantel Pearls Vemma Nutrition Company Viridia Viridian Energy ViSalus Eco Life Group ViVi Jewelry Vivri Vollara Vorwerk Votre Vu WakeUpNow Wildtree willagirl Willow House WineShop At Home Winnie Kat World Book World Tour Enterprises LTD WowWe XANGO Xyngular YOR Health Young Living Younique Your Inspiration at Home YPCK Zermat International Zija International Zinzino Zrii Zurvita Zyrra End of List If not Listed Your ID Terms Conditions Terms Conditions Completion of this enrollment form confirms your desire to obtain insurance through the Sports Leisure and Entertainment Risk Purchasing Group or the WellnessPRO Purchasing Group The submission of this enrollment form and or acceptance of payment does not guarantee coverage Certain operations are not eligible for coverage under this program PRO Insurance Managers reserves the right to decline any request for coverage You realize that any false or inaccurate statement or misrepresentation in the enrollment form may result in claim denial or contract rescission Any person who injures defrauds or deceives any insurer files a statement of claim or an application containing any false incomplete or misleading information is guilty of a felony of the third degree You understand that the plan applied for will not pay benefits for any expenses incurred on account of any claim before the effective date or for the products services that you sell market You further acknowledge that you have reviewed all information provided with this enrollment form and understand the exclusions that apply as well as the activities and operations for which coverage is not provided I agree to the Terms Conditions Yes No Promo code Required Your Contact Information Currently available in continental U S only NEW or RENEWAL Please fully complete the form below Sellers of Security Systems Devices and or Utilities or services for any of the following Real Estate Financial Education Home Mortgage are ineligible for this program but may be eligible for our Home Based Insurance Program First Name Last Name Sr Jr II III IV If you also use a Business Name Address Street Only No P O Boxes City State AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VT VA WA WI WV WY Zipcode Contact Phone 913 555 1234 Email Address Coverage Date Coverage begins at 12 01am midnight tonight or provide a future effective date here Month 01 02 03 04 05 06 07 08 09 10 11 12 Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Year 2015 2016 Your Direct

    Original URL path: http://pro4.us/gl_enroll.asp (2016-05-03)
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