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My clients are extremely happy with Array Health’s service. From its easy-to-use web-based tools to its superior customer service, Array does a fantastic job. Because of its defined contribution model, my Array clients require far less time than my other clients. Since I don’t have to spend time on renewals and other customer service issues, I have more opportunity to meet with prospective clients and deepen my relationships with existing ones. Deborah Levy Sr. Benefits Consultant AH&T Insurance

Array Bulletin: Service & Market Updates for September 2009

In this newsletter, we examine the workforce characteristics of companies that are best-suited for defined contribution health benefits plan. Then, we announce a recent addition to the Board of Directors, the successful certification of our online Standard Health Questionnaire, and we explain how reimbursement works for Medicare premiums.

Workforce Characteristics of Companies Well-Suited for Defined Contribution Health Benefit Plans

Array Health has clients in a wide variety of industries. Our service has proven to be a great solution for industries with at least one of the following characteristics:

High employee turnover
Low group medical plan participation
Large populations of low-wage workers
High group underwriting industry factors (loads)

A new section of our website lists eight industries where Array has been particularly effective and the reasons for the successes. This page is intended to help you mine your client and prospect lists for possible opportunities to work with Array.

Ralph Derrickson Joins Array Health's Board of Directors

We are pleased to announce that Ralph Derrickson has been appointed to Array Health's Board of Directors. Ralph is President and CEO of Carena, Inc, a Seattle-based company providing healthcare for the way we live and work today.

Mr. Derrickson has more than 25 years of senior management and venture investment experience, and a proven track record of innovation. Prior to joining Carena, Mr. Derrickson was Managing Director of Venture Investments at Vulcan Capital and a founding partner of Watershed Capital. Mr. Derrickson held senior management positions at Metricom, Inc., Starwave Corporation, and NeXT Computer, Inc. He also serves on the board of directors of Perficient (NASDAQ: PRFT).

Array's Online Standard Health Questionnaire Approved

There is a new, more user-friendly Standard Health Questionnaire, which is Washington State's medical underwriting form for individual policies. We are pleased to announce that our online version was recently approved by the Washington State Health Insurance Pool (WHSIP) and is now live.

Reimbursing for Medicare

The standard plans offered in the individual health insurance market are not available to people who are Medicare eligible. Those who are Medicare eligible can purchase Medicare Advantage, Medigap, and Medicare Part D plans in the private market. The premium for these plans are HRA reimbursable expenses. In addition, employees can use their HRA dollars to be reimbursed for Medicare Parts A and B.

The HRA reimbursement process works differently for employees on private and public Medicare plans than it does for non-Medicare eligible employees with individual insurance. People who choose Medicare Advantage, Medigap, and Medicare part D plans have premium bills sent to their homes which they can then submit to Array for reimbursement. Employees with Medicare Parts A and B can submit their quarterly statements to Array for reimbursement.

Please contact me directly if you have questions or comments on the issues above, or if you have any groups you would like to discuss.

Sincerely,

Christopher Moneta

Director of Sales

1-800-640-7086