John Hancock

                                                     Custom Care II

                                   Conventional reimbursement policy

MedAmerica’s Simplicity

Cutting-edge cash design

Simple Claim Process?

NO

• Benefit-eligible claimant:
• Incurs a bill
• Collects receipts for prior month
• Checks contract for allowable expenses
• Submits claim form
• Awaits approval
• Answers insurer’s questions
• Receives payment for last months bills.

YES

• Benefit-eligible claimant:
• Requests monthly check
• Receives monthly check

Elimination Period

Based on Calendar Days?

NO

Only days on which HHC services are provided count towards EP.

YES

EP is based on Calendar Days from the time the claimant is eligible.  No services required.

Informal Caregiving

Covered?

NO

Qualified HHC providers only

YES

Policyholder can use cash benefit to pay for care from anyone, including family.

Undetermined, Future Services Covered?

NO

No contractual guarantee for new types of services.

YES

Cash benefit pays for undefined services, now and in the future, that the policyholder decides to receive, e.g. new therapies, telemedicine, etc.

True Worldwide

Coverage?

NO

Limited benefits.

YES

No limitations, same monthly benefit, anywhere in the world.

Enhanced Compound Inflation Benefit?

NO

Increased benefit by 5% annual compound, less claims.

YES

Increased benefit by 5% annual compound, regardless of claims.

Highest Rated Product on the Market Today?

NO

Rated 66 out of 100 by SellingLTC.com.

YES

Rated 91 out of 100 by SellingLTC.com.