Future of healthcare

"Moving HealthCare Forward"

http://healthcare4everyone.com

Rising Insurance Costs!

Insurance Premiums have more than doubled in the last 10 years

Insurance Premiums

The National Average is $750 per month and rising

With higher premiums and less benefits, doesn’t it just make sense to have less restrictions while lowering your costs

Insurance adds more and more claim denials and limitations


Renco Puts the Missing Pieces in your Healthcare Puzzle!We’ll spend the next few minutes filling in each of the pieces

and show you how you can save $ while improving your family’s healthcare.


What is Renco Direct Healthcare?

A Nationwide Company Located In Oklahoma

City, OKOver 10 years old

Believes the healthcare and insurance industries are in dire need of reform

On the cutting edge of healthcare reform

•Offers a non-insurance alternative for families to save on costs associated with healthcare


PHCS Galaxy Health Network

Insurance

Companies

Unions

Small

Businesses

Renco Direct

Healthcare

Doctors

Hospitals

Prescription Drug Plan Specialists

Emergency

Care

Other Practitioners and Services

Self-Managed Care

Over 700,000 medical Providers

No third party middleman (The Insurance Companies)All pre-existing conditions allowed

No annual or lifetime maximums

No claim forms

Based on CPT4 codes Regulated by the Federal GovernmentStandardization of ServicesProper Documentation


Health Savings Cards

Primarily were used for dental and vision care needs

Renco Revolutionize them by Expanding to allow

access to:• Doctors and Specialists• Hospitals and Emergency care• Prescription drug plan• Numerous other practitioners and services


No

Coverage

Typical Insurance

Renco Direct Program

ER Visit $844.75 $844.75 $844.75

Cash $844.75 $75.00 $168.95

3rd Party Billing $0.00 $93.95 $0.00

Subtotal $844.75 $75.00 $168.95

Monthly Payment $0.00 $750.00 $88.00

Total Out of Pocket $844.75 $825.00 $256.95

Patient pays PPO rateCo-pay

PPO rate – co-pay

Difference of $568.05

Example ER Visithttp://healthcare4everyone.com

How much can you Save?

Office Visits: 10 – 50%

Ancillary (X-rays, labs, etc.): Up to 80%

Hospitalization: Highest % Savings up to 89%

No Co-PaysNo Deductibles

•Save on Chiropractor, Alternative Medicine, and more.


Example of Standard Office Visit

Average office visit w/o insurance: $100

Average PPO allowable: $50

Average insurance co-pay: $25

With Renco you are paying slightly more for the office visit, but your monthly savings is substantial. For instance, lets take an insurance payment for a family of four ranging between $500-$900. Renco is $88. In the case above, this would mean insurance would cost you $525-$925 that month, whereas with Renco you are only spending $138.


Quantity Cash Renco SavingsEstradoil 90 $42.79 $16.43 62%Dicyclomine 60 $17.89 $11.11 38%Oxycodone 40 $21.39 $10.47 51%Macrobid Caps 14 $36.99 $26.62 28%Cyclobenzaprine (MO) 30 $18.99 $4.82 75%

Prescription Drug SavingsUp To 75%


Dental Network

Advantages– Large Number of Dentists provided: over 30,000– Low rates

• Savings of up to 70% and higher– Compared to normal pricing structure

– Covers most procedures and services including• Orthodontics• Crowns• Root Canals• Oral Surgery• Bridgework


Periodic Oral Exam - $22

Bite Wing – Single Film - $13

Amalgam-one surface (filling) - $58

Extraction – deciduous tooth - $59

Prefabricated Resin Crown - $158

Dental Networkhttp://healthcare4everyone.com

Vision Network

EyeMed Vision Network– Lens Crafters, Sears, JC Penny and more– Access to over 35,000 providers

Includes– Most frames– lenses – specialty items

• Tints, scratch resistant coatings and ultraviolet protection

Savings of up to 60%– Up to 15% on RK and Lasik surgery


The Old Way

The Insurance Companies

PPO (PREFERRED PROVIDER ORGANIZATION)

HOSPITAL, DOCTOR, ETC.

YOU


The Renco Way

YOU

The Insurance Companies

HOSPITAL, DOCTOR, ETC.

PPO (PREFERRED PROVIDER ORGANIZATION)

AND…YOU CAN TAKE THAT POSITION FOR ONLY $88.00 A MONTH PER FAMILY!!!


Using Renco With Insurance

By increasing your deductible on your current insurance plan, you would decrease your premium, be able to include Renco and still save considerable money every month.

You could also use Renco to reduce services not covered by your insurance policy and still have a safety net for emergencies.

You could also find an Indemnity plan which would cover you during a catastrophic event.

We can reduce your left over portion of co-pays. We can save you on anything your insurance doesn’t pay over $100


Example of Renco Combined with Insurance

A typical hospital stay is around $3,600/day. Let’s say an indemnity plan would cover $500/day. The patient is then responsible for $3,100/day.

Using your Galaxy PPO through Renco, at a per-diem hospital, could get costs lowered to around $1000. Combining Renco and an indemnity plan would bring the patient’s costs from $3,600/day to just $500/day.


Final Example

A typical, relatively healthy family of four on an 80/20 insurance plan with a $1000 deductible costs around $750/month.

Let’s say the family has the average number (6) office visits for the year, with a $25 co-pay for each visit. The yearly total would be $9,150 ($750x12+$150 visits total).

If this same family increased their deductible, they could lower their insurance payments to about $400/month, and add Renco for $88/month.

With Renco they would receive a PPO allowable rate of $50 for this example. Yearly total would then be around $6,156 ( $400x12+$88x12+$50x6). You have then saved about $2,994 for the year. *monthly fees and savings may vary depending on your plan and the deductible amount chosen.


Who is Eligible

You and your Spouse or Significant Other

Unmarried children under age 25Includes step children and foster children

Parents/Grandparents over age 60 Reside with memberGuardian is the member

Related children (nieces and nephews)IRS dependents of member

Handicapped children over age 25Must qualify as IRS dependents


What’s the Cost?

$88 per month– $30 One time enrollment fee– No fee increases

Monthly– EZ Pay

• Bank Draft Monthly• Credit Card Monthly• Debit Card Monthly• Savings Account Draft


Supplemental Option

$25/MO Supplemental Family Plan

If you already have Health Insurance......You may want to consider Renco's Supplemental

Package

Includes Dental, Vision, Prescription, Chiropractic, Air Ambulance, 24 Hour Nurse and more!


Customer Convenience

Visit our State of the Art Website to search for providers near you!

Call our customer service to confirm your provider and our team will go to

work for you, we’ll even set your doctor appointment for you.


How to Get Started

You will be activated on the first day of the month (unless other arrangements are made, you will receive a member packet and I.D. cards at that time or within a few days.Read through the packet thoroughly and follow the

instructions on making appointments.Call the appropriate customer service number to confirm

your doctor and make sure you have your I.D. card on your first visit.Be prepared to pay at the time of service.


Conclusion

Renco’s strong points are the numerous programs offered at a low monthly fee, while at the same time, providing an avenue to receive greatly reduced fees for ancillary services and hospitalization.Renco is strongly committed to customer satisfaction and retention.Those with pre-existing conditions, large families, self-employed, and anyone seeking a better alternative to meet their health care needs now have somewhere to turn.What other program can offer so much and require so little in return?


http://www.healthcare4everyone.com/

Future of healthcare

Health & Medicine

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