This is the overview provided via ebaY by the company who will administer the ebaY associated power seller health plans. TAG cautions that this is for information purposes only and will only give you an idea of what is available, not the detailed plan or prices that would apply to any specific seller. In addition, TAG finds these plans of no better value or content than the plans ANY small business owner or individual could get by joining your local chamber of commerce or working through one of the many small business organizations. Even our business charge card company offers a hook up for these kind of health care plans.
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Health Plans Offered
This section provides a brief overview for each plan. Monthly costs are included for Medical Reimbursement Plans, Discount Prescription Drug Plan and Discount Health Services Plans. Costs for the Major Medical Plans and Property & Casualty coverage vary and cannot be listed in this illustration.
Available Plans
GE Voluntary Benefits* Medical Reimbursement Plans
Discount Prescription Drug Plan
Discount Health Services
Major Medical Plans
Property & Casualty ˆ Business Owners
Medical Reimbursement Plans
Medical reimbursement plans (sometimes referred to as "mini-medical" plans) provide first dollar reimbursement of a specified dollar amount as listed in the Policy and in the "Plan Details" for certain medical related services. These plans are not comprehensive major medical plans nor should they be construed as such. You should not under any circumstances cancel any existing major medical plan and replace it with a supplemental plan assuming it will be comparable in coverages.
While this plan is limited in coverage, some PowerSellers with no medical plan currently in place might view the reimbursement levels provided under this policy as helping to meet basic benefit needs.
To request coverage under this plan you must first complete an application which asks certain health related questions. Once your application has been reviewed by the insurance company's underwriter, you will be notified of your acceptance/rejection.
GE Voluntary Benefits* Medical Reimbursement Plan
GE Voluntary Benefits* Medical Reimbursement Plan provides specific reimbursement levels for a variety of health related services. Coverage highlights include:
Pays first dollar coverage up to specified limits
Physician office visits are available with the Premium Plan
Hospital stay
Surgery and anesthesia
Emergency room visits
You can use any licensed physician, hospital or clinic as defined in the Policy
Comparison of GEVB Basic Plan and GEVB Premium Plan
Monthly Premium
GEVB Basic Plan *
GEVB Premium Plan *
Single
$33.79
$63.94
Single + Spouse
$65.83
$126.13
Single + Children
$49.88
$104.98
Family
$81.92
$167.17
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Benefits GEVB Basic Plan
Physician Office Visits Not Included
Hospital Confinements $50 per day
Lump Sum Hospital Indemnity
$1,000 first confinement in calendar year
Lump Sum for First Hospital Confinement
(see schedule)
Not Included
Surgical (also incl Anesthesia, mammogram and pap smear) (see schedule)
Up to $1,000 (per schedule)
Emergency $100 ˆ 4 different Injuries per year $100 4 different Injuries per year
Specified Injury Schedule of benefit amount and covered injuries (see schedule)
$25 to $1,800
Note: Plans subject to state-specific availability and limitations.
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* GEVB Premium Plan *
Physician Office Visits $50 4 per yr
Hospital Confinements $100 per day
Lump Sum Hospital Indemnity
$500first confinement in calendar year
Lump Sum for First Hospital Confinement
(see schedule) $500 up to $5,000 first confinement in calendar year
Surgical (also incl Anesthesia, mammogram and pap smear) (see schedule)
Up to $3,000 (per schedule)
Specified Injury Schedule of benefit amount and covered injuries(see schedule)
$25 to $1,800
Note: Plans subject to state-specific availability and limitations.
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* GE Voluntary Benefits products are underwritten by Professional Insurance Company (In California, PIC Life Insurance Company). Professional Insurance Company is part of the GE Financial family of companies.
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Discount Prescription Drug Plan
The Discount Prescription Drug Plan, ScriptASHure, provided by ASHcorp Inc., covers generic drugs with a low copay and discounts on most brand name drugs for all family members covered on the plan. It is guaranteed issue with no pre-exisiting exclusions.
Monthly Premium
Single - $24.95, Single + 1 - $34.95, Family - $44.95
$10 copay (ages 0-49) or $15 copay (ages 50+) for generic drugs
Up to 50% discount on most brand name prescriptions 50,000 locations
Guaranteed issue
No exclusion or waiting periods for pre-existing conditions
Mail order available
Access to discounts on nutritional supplements, vitamins, minerals and more
Monthly maximum: $150 per individual/$450 for family
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Discount Health Services
This is not traditional health insurance. The two plans provided by ASHcorp Inc., HealthASHure Basic and HealthASHure +Plus, give access to certain provider networks offering significant negotiated discount for health services. Plan highlights include:
Guaranteed acceptance
Covers entire household
No waiting periods
No pre-existing exclusions
No deductibles
No claim forms
No age limits
HealthASHure Basic: Provides negotiated discounts for services performed by dentists, vision specialists, chiropractors and hearing specialists just to name a few.
Monthly Premium- $12.95, covers all family members.
HealthASHure + Plus: Provides the same discounts as the basic plan plus you receive discounts from network doctors and hospitals. Network includes over 500,000 physicians and over 40,000 hospitals and other facilities.
Additional discounts for alternative healthcare, counseling services, home health care and home medical equipment are also available. Access to 24-hour nurse hotline and medical travel assistance worldwide. There is a 30-day waiting period for the hospital benefits.
Monthly Premium - $42.95, covers all family members.
Benefits HealthASHure Basic
Dental exams, cleanings, x-rays, orthodontics, etc. Savings up to 75%
Vision exams, contact lenses, frames, corrective lenses Savings up to 60%
Prescriptions Drugs Generic and Brand name (includes mail order) Savings up to 50%
Physician Services
Not Available
Hospital Services
Not Available
Chiropractic Care - diagnostics
Savings up to 50%
Hearing Care hearing aids, exams and tests
Savings up to 50%
Counseling Services family counseling Not available
Alternative Healthcare massage therapy, acupuncture Not available
Home Health Care Not available Savings up to 45%
Home Medical Equipment Not available
24-hour nurse hotline and Medical travel assistance Not available
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HealthASHure + Plus
Dental exams, cleanings, x-rays, orthodontics, etc. Savings up to 75%
Vision exams, contact lenses, frames, corrective lenses Savings up to 60%
Prescriptions Drugs Generic and Brand name (includes mail order) Savings up to 50%
Physician Services
Pre-negotiated Discount
Hospital Services
Pre-negotiated Discount
Chiropractic Care - diagnostics
Savings up to 60%
Hearing Care hearing aids, exams and tests
Savings up to 60%
Counseling Services Savings up to 30%
Alternative Healthcare massage therapy, acupuncture Savings up to 50%
Home Medical Equipment Savings up to 50%
24-hour nurse hotline and Medical travel assistance Included
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Major Medical Plans
This is an opportunity for all those interested in applying for a comprehensive major medical plan. You will need to prove evidence of insurability by answering certain health-related questions before qualifying
for coverage. Each approved insurance carrier will have its own underwriting guidelines and questionnaire that will need to be completed and reviewed before any coverage is offered.
Plan information and applications can be completed on-line. Only plans that are available in your state of residence will be made accessible for your review and application.
One of the unique major medical plans available, depending on state approval, is SpectraOne. SpectraOne provides simplified underwriting with notification of approval/non-approval within 10 business days.
If SpectraOne is not available in your state of residence, you may have access to other national major medical plans such as Golden Rule, Celtic and regional Blue Cross and Blue Shield plans.
Note: Plans subject to state-specific availability and limitations.
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Property & Casualty Coverage - Business Owners
Insurance for Your Business - Why You Need It.
A fire at your business or even a minor fall by a visitor can have a devastating impact on your business. So how can you protect your small business from big financial losses? You can start with two critical kinds of commercial insurance that are often packaged together in a Business Owner's Policy (BOP): property insurance and liability insurance.
What is Property Insurance?
Property insurance covers your physical assets: your building, equipment, furnishings, fixtures, inventory, computers, valuable papers, records, and more. But property insurance can also provide income if your business is forced to suspend operations after a covered loss.
What is Liability Insurance?
Business liability insurance is specifically designed to protect your business assets if your company is sued for something it did or even didn't do that resulted in bodily injury or property damage to someone else.
For example, a liability insurance policy may cover expenses if someone claims to be injured by a product you sell or it can pay for defense costs if a competitor sues you for trademark infringement.
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The information shown here is for illustrative purposes only and does not constitute an offer by any of the insurance companies, discount vendors, eBay or Marsh Advantage America. It is intended to provide an overview of the general description of products and services, to be provided by third
party insurance carriers, which may be included in the Health Care Solutions program. For costs and further details of coverage, including exclusions, any restrictions or limitations and the terms under which the policy or discount program will be issued is subject to the underwriting guidelines, program descriptions, plan documents and summary plan descriptions as provided by the various insurance companies and discount vendors. The insurance programs are not offered, administered or subsidized by eBay.
Copyright ©1995-2003 eBay. All Rights Reserved. Designated trademarks andbrands are the property of their respected owners.
Copyright ©2003 Marsh Advantage America. All Rights Reserved. Designated trademarks and brands are the property of their respected owners.
Copyright ©2003 V-ha.com, LC. All Rights Reserved. Designated trademarks and brands are the property of their respected owners.
FAQs/Help - Frequently Asked Questions and Insurance Definitions
This section provides Frequently Asked Questions and definitions for general insurance terms. FAQs cover program eligibility, submitting an application, policy approval process and processes for premium billing and payment.
FAQs/Help
General Program Frequently Asked Questions
1. What level of PowerSeller does the user have to maintain in order to enroll in the Health Care Solutions program?
This program is available to all of the five PowerSeller levels. When you become eligible for PowerSeller status, you are eligible to participate in Health Care Solutions by Marsh Advantage America.
2. If I lose my PowerSeller status will I also lose my coverage through this program? Also, if my sales are idle over a period of time will I be eligible for this program?
If an individual loses their PowerSeller eligibility for any reason, their existing coverage will remain effective as long as their premiums are paid when due. They will not have access to elect new plans or make changes to existing plans unless they pay ad administration fee of $50.
The requirement is that you are a PowerSeller at the time you elect healthcare coverage. If you lose PowerSeller status and want to make any changes or additions to your healthcare coverage, you will be required to pay a $50 annual administration fee.
3. Will I have the option to cover my family members under Health Care Solutions?
PowerSellers will have the opportunity to enroll themselves and all of their
eligible family members, including spouses and dependent children as defined by each individual carrier. For questions regarding employee coverage, please see Question #4.
4. Will this program extend to the include my employees and their dependents?
Currently Health Care Solutions will be only available for PowerSeller account holders and their eligible dependents. We hope to examine the feasibility to extend this to the employees and their dependents of PowerSellers at some point in the future. You will be provided with regular updates on this progress.
5. Can I combine sales on multiple accounts to meet PowerSeller status and
have access to Health Care Solutions?
The PowerSeller program does not allow you to combine accounts in order to achieve PowerSeller status. It must come from one independent account. You have the option of merging separate accounts into one individual account. If the merged account qualifies for PowerSeller status, you may be eligible for Health Care Solutions. If you lose your PowerSeller status for any reason, your eligibility for program coverage will not be impacted.
6. What do I do if I have lost my PowerSeller membership and need to make changes or additions to my healthcare coverage?
If an individual loses their PowerSeller eligibility for any reason, their existing plans will remain effective. They will not have access to elect new plans or make changes to existing plans unless they pay a $50 administration fee to transfer them to a non-PS portion of the program. No payment will be required unless they want to add new plans or make changes to existing plans.
If the PowerSeller loses their PowerSeller status and has not regained it at the time they are adding new plans or making changes to existing plans, they will be required to pay the $50 annual administration fee.
The $50 administration fee will not be refunded under any circumstances
(i.e. if the individual regains their status or if they decide to cancel their plans). The administration fee will be paid to Marsh Advantage America to cover administrative costs in running the program. Payment of the $50 annual fee allows the user to make changes or additions to their plans for one year from time of payment.
7. Will we be able to add the cost of the health insurance to our eBay bill or will we receive a separate bill?
Your relationship will be with the individual carrier or carriers, so billing and customer support will all be handled with them directly. Customer support is provided by each individual carrier, and is accessed through one central toll free number for PowerSellers.
8. Is the Health Care Solutions a group plan?
No. It is impossible for insurance carriers to treat PowerSellers as a traditional insurable group, so Marsh Advantage America have negotiated a series of individual plans. Because of the large number of PowerSellers, Marsh Advantage America has been able to convince underwriters to make the policies available on a simplified underwriting bases in most cases.
9. What does simplified underwriting mean?
Most individual plans follow an underwriting standard, which is called a long form application. With the long form there are several questions that need to be answered. Simplified underwriting means the number of questions have been reduced to 3 or 4. This makes it easier to qualify for coverage. In addition, there are several discount plans available where no underwriting is needed.
10. Will the healthcare plans be available in all states?
Availability of these plans in all states is dependent upon individual carriers and state specific regulations, which dictate approval of plans. Plans are presented to PowerSellers based upon your local zip code.
11. On January 1, 2003, will I be covered under an insurance plan through the Health Care Solutions program?
On January 1st you will have the ability to apply for coverage, which can be done online. Once an application has been completed, there is always a period of time that is needed for the underwriting and issuance of the policy. Generally, approvals will be made in 4 to 6 weeks.
12. Who is Marsh Advantage America?
A service of Seabury & Smith, Inc., part of Marsh & McLennah Companies (MMC), Marsh Advantage America designs, manages and administers insurance programs. Marsh Advantage America has worked with eBay to develope the Health Care Solutions Program for PowerSellers.
13. Who is eligible to apply for the plans available in the Health Care Solutions Program?
eBay PowerSeller and their family members who reside in the United States and meet the current requirements for the eBay PowerSeller program.
14. What is the definition of an eligible family member?
Spouse and/or dependent child qualify as eligible family members. In addition, the discount health service plans recognize domestic partners as an eligible family member.
15. What is the definition of a dependent child?
Plans can vary on the definition of a dependent child, but generally it is a child age 0 to 19 who qualifies as a dependent under IRS requirements or age 23 if a full-time student and you provide at least 50% of their support. Be sure to read the definition for dependent children for each of the plans.
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How to Complete and Submit Applications for Plans
1. What is the application process?
To enroll and purchase a plan.
Go to the "My Portfolio & Apply" section.
Click on the button at the bottom of the plan you have selected labeled "Apply".
First time user will be prompted to download formatta for access to GE Medical Reimbursement Plans or Ashcorp Major Medical Plans (SpectraOne and Golden Rule).
For other plan applications and return users you will not be prompted to download formatta. Return user application will be access when you select "Apply".
Complete the application and follow instructions for submission.
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Policy Approval and Issuance Processes
1. Who do I contact to follow-up on an application once it has been submitted for processing?
Click on the Contact Us button for a list of the individual plan providers and their phone numbers.
2. What is the process for approval of plans that are medically underwritten and not guarantee issue?
The supplemental medical plans and major medical plans have simplified medically underwriting requirements. Those responses to the questions determine the insurance carriers willingness to provide approval of coverage requested.
3. Are there any other options if an individual does not qualify for coverage?
If you have been turned down for coverage due to your health status you may qualify for a state health care pool. You can find out if there is a state pool in the state you reside by going to www.
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Premium Billing and Payment Processes
1. What is the billing and premium payment process?
There is no monthly billing. All plans have checking and/or savings account draft capabilities. Some of the plans such as ASHCorp. have capabilities for premium collection through credit card debiting.
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How to Contact Customer Service
1. How do I access customer support for Health Care Solutions?
Click on the „Contact Us‰ button. You have the ability to access customer support through e-mail and a toll free number. In this section you also have access to the specific carriers for each plan to follow-up with once your application has been submitted.
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Insurance Terms and Conditions
Co-payment: A set fee is charged every time you receive a specific health service. For example, $10 co-pay for a 30 day supply of a generic drug. The provider of the prescription plan then pays the balance.
Deductible: Set amount of money an individual must pay each year before the insurance policy starts to pay.
Discount Health Services: This is not traditional insurance. It does provide access to negotiated network discounts. This can be for a wide range of health services such as, physician visits, hospital/medical facilities, dental, hearing, vision, chiropractic care, prescription drugs and much more.
Exclusions: Specific conditions or circumstances for which the policy will
not provide benefits. Be sure you check the plan exclusions you are thinking of buying.
Guarantee & Non-guarantee Issue: When your health status is not taken into consideration for coverage this is guarantee issue. When you are required to answer health status questions and based on the responses you will either be approved for coverage or denied, this is non-guarantee issue.
Guaranteed Renewable Coverage: While premiums may increase, once you have qualified for coverage and the policy states it has guaranteed renewable coverage you can not have your coverage cancelled due to health status. Policy must always be in good standing.
Limited Coverage: Limitations set on amount covered. This can be a dollar amount, a percentage or specific number of occurrences.
Non Cancellable Policy: A policy that guarantees you can receive insurance,
as long as you pay the premium. Same as Guaranteed Renewable Coverage.
Pre-existing Condition: This is a health problem that existed before the date your insurance became effective.
Premium or Monthly Charge: The amount you will pay in exchange for the coverage provided in the plan.
Supplemental Medical Reimbursement Plan: Provides first dollar coverage. No co-payment or deductible to meet before benefits is paid. There are limitations such as dollar amount, percentage or number of occurrences that
will be covered.
Waiting Period: Specific amount of time, generally in days, before coverage begins.
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