TO:      Group Health Administrator
RE:       1. Reducing health insurance costs while improving benefits
            2. Value added administrative services at no cost

Dear Administrator:

Thank you for your interest in reducing the cost and improving the benefits of your health benefits plan. The costs of health insurance coverage for small business is SKYROCKETING! Plus, the service you receive from the insurance carrier sometimes is slow and unresponsive. THE SOLUTION IS IN YOUR HANDS! YOU HAVE MANY OPTIONS AVAILABLE NOW.

Benefits Dynamics specializes in reducing the costs and improving the benefits of small business health insurance plans. Also, we can help you obtain improved administrative services AT NO COST TO YOU. The premiums you pay are the same with or without us.

We will provide you with a FREE review of your current health plan, and present to you alternative health plans currently available. We represent EVERY major insurer in the tri-state area. We might recommend either changing to a lower cost insurance carrier, or installing an HMO or combination traditional/HMO where you can keep the same relationships you already have with your doctor. We might merely revise your current plan.

We can also provide you with NO COST ADMINISTRATIVE services for:

• CLAIMS ASSISTANCE" claims problems can include "reasonable and customary" issues, diagnosis codes, credits for prior plan deductibles etc. Even for HMOs or POS plans there still can be IN-NETWORK issues including obtaining referral forms for specialty services, coverage problems for specific nonroutine treatments etc.

• ENROLLMENT ISSUES: Enrolling of new employees including problems of pre-existing conditions (when applicable), effective dates, coverage of dependents etc.

• BILLING PROBLEMS: Obtaining credits for terminated employees etc.

Also, our 24 hour 800 number can provide that extra layer of emergency service when hospital admitting clerks want information about the benefits offered under your plan. Employees are free to contact us at any time for questions about their benefits.

Our many years of experience in the health benefits specialty includes working with all the major insurers in this area. We can be of service to you both when you need information on current employee benefits trends, as well as assistance with administrative problems.

We will be calling soon to see how we can help you.

Sincerely

Benefits Dyamics