Telemedicine PlusHealth and Lifestyle Benefits

The IssueOne of the most challenging issues of our time is affordable and accessible healthcare. More employers have been forced to restructure their benefit plans, often reducing benefits, increasing deductibles or shifting to consumer-driven health plan options. Many offer no insurance benefits at all. That leaves many individuals uninsured, under insured or in the position of finding the right plan for themselves and their families.

The SolutionIndividuals: HealthPerx™ addresses this challenge by providing individuals and their families with convenient access to physicians 24/7/365 and significant savings on prescriptions, dental and vision care as well as access to health advocates, telephonic counselors, medical travel assistance and much more. Regardless of existing healthcare coverage, HealthPerx can easily save individuals and their families thousands of dollars a year in time and money.

Employers: HealthPerx offers businesses an innovative and effective solution that reduces absenteeism, increases productivity, promotes consumerism and decreases overall healthcare costs. The high perceived-value can improve acquisition and retention of employees for minimal cost.

Using telemedicine as the core benefit, studies are showing reductions in physician, urgent care and emergency room visits, while promoting wellness, prevention and personal responsibility.

Other Features, Packages and Pricing• Optional lifestyle benefits

• List-bill capabilities

• Fulfillment kit and membership cards

• Website access to benefits and provider locations

• Onsite member services call center staffed with English- and Spanish-speaking representatives who can help with enrollment, verify discounts and assist with customer service issues

One Card. Unlimited Savings.

Satisfaction 100% guaranteed.If you are not completely satisfied, simply contact us within 30 days for a refund.

Packages can be configured to fit client needs. To see core packages and pricing, go to our website. Group rates are available depending on group size, benefit package and other conditions.

• Everyone is accepted• Good for the immediate family• Immediate availability– unlimited usage• Easy to use–no paperwork• Satisfaction guaranteed

Health and Lifestyle BenefitsHealth Benefits

Telemedicine*Our telemedicine services meet the needs of busy professionals, business travelers and active families by giving them immediate access to professional medical advice, treatment and referrals. Consult with a national network of U.S. licensed, board-certified physicians in minutes by phone or via video consult for personalized, reliable medical advice and prescriptions (when necessary), wherever and whenever needed, 24/7/365. Our network of physicians for pediatrics is the largest in the country, consisting of practicing pediatricians, primary care and urgent care physicians.

Get quality care when needed without any medical consult fees.

Members:• Save time and money by avoiding unnecessary visits to the doctor, urgent care

center or ER

• Prescriptions are phoned into your preferred pharmacy

• The physicians treat all ages—infants to seniors

• Great for college students

• HIPAA compliant and confidential

• Includes free Personal Health Record (PHR) storage, management and file sharing *Telemedicine is not insurance and does not replace a primary care physician. The doctors do not prescribe

controlled medications.

“Telemedicine will play an increasingly central role in getting the right care at the right time to individuals…particularly effective for acute, routine, episodic, self-limited and minor illnesses.”

– “Telephonic Medical Consults Answer the Call for Accessible, Affordable and Convenient Healthcare.” Position Paper. Center for Health Transformation.

Health Benefits, Continued

Employers:Quick Facts and ROI

Based on a recent analysis of 150,000 medical consults:

• 91% were successfully treated by phone or video consult

• 53% of callers would have used PCP @ $100 per visit

• 25% of callers would have used urgent care or specialists @ $153 per visit

• 9% of callers would have used an emergency room @ $900 per visit

• Medical visits would have cost 4 hours of productivity @ $25 an hour

Actual ROI will depend on cost of benefit package selected and utilization rate.*This is an illustration of potential savings and does not represent actual savings figures. Savings vary by provider service and

geographical area.

Imagine the effect on your business if employees called the doctor first!

“I was at work not feeling well but didn’t want to leave work. So I decided to call telemedicine. It was a wonderful experience! The doctor called me back within 30 minutes. I spoke with him for about 15 minutes and he wrote me a prescription that I was able to pick up on my way home from work at my local pharmacy! It was very convenient Telemedicine saved me money and I didn’t have to miss time from work.”

– Janice

Average Savings Per Call = $272.25

How it Works1. Set up your account and complete your health questionnaire online or by phone

2. Request a medical consult

3. A doctor calls you (average wait time: 22 minutes) or schedules a video consult

4. The doctor discusses symptoms, diagnoses your condition and sends a prescription to your pharmacy, if needed.

Problem solved— no medical consult fees

If a condition cannot be treated by phone, the physician can advise what to do and where to go—saving guesswork, time and money.

Industry FactsThere is already a shortage of physicians and medical personnel. The future demand in the number of yearly primary care physician consults due to population increase and expanded coverage will drive the need for even more physicians, creating a greater supply-demand gap for the next 10 years.“Projecting US Primary Care Physician Workforce Needs: 2010-2025”; Stephen M. Petterson, PhD, Winston R. Liaw, MD, MPH, Robert L. Phillips Jr, MD, MSPH, David L. Rabin, MD, MPH, David S. Meyers and Andrew W. Bazemore, MD, MPH; November/December 2012.

What can be treated:• Colds and flu • Sore throat • Bronchitis and

respiratory infections• Sinusitis• Poison ivy and insect bites• Headaches and migraines • Stomach aches• Allergies• Urinary tract infections• Ear infections• Pink eye• Pediatric care• Prescription refills (short term)

Health Benefits, Continued

Wait times for healthcare throughout the country as reported in the Merritt Hawkins Survey (2010) for five specialties will continue to increase as well, driving more people to urgent care and emergency rooms for non-urgent conditions.

Recent CDC and ACEP data about ERs:

• 85% of ER visits were the result of not being able to wait to see a patient’s regular medical provider.1

• 20% of adults from age 18-64 have visited an ER in the past 12 months.2

• 80% of adult ER visits were due to lack of access to other providers.2

• 46% of ER visits were not classified an immediate emergent or urgent at triage.3

Telemedicine has the potential for restructuring medical care in ways that can solve many of the problems in the medical industry while reducing costs and improving quality of care.

The HealthPerx Value PropositionTelemedicine and other non-insurance benefits are playing an increasingly important role as the healthcare industry evolves. HealthPerx is the only company offering a complete solution and a turnkey strategy that provides both businesses and individuals the solutions they seek.

• Telemedicine with unlimited call features, NO medical consult fees and 24/7/365 availability—provides quality medical care anytime from anywhere!

• Other health and lifestyle benefits using best-in-class provider networks *All health benefits are good for member and all legal dependents

• Complete implementation and marketing program that builds awareness and drives utilization

• Call Center open 6 days a week to assist with member benefits

HealthPerx has developed a reputation built on quality, flexibility, product performance, differentiation, reliability and unparalleled customer service.

1 American College of Emergency Physicians Emergency Care Poll 2012

2 “Emergency Room Use Among Adults Aged 18-64: Early Release of Estimates From the National Health Interview Survey”, Renee M. Gindi, Ph.D.; Robin A. Cohen, Ph.D.; and Whitney K. Kirzinger, M.P.H., Division of Health Interview Statistics, National Center for Health Statistics, January-June 2011

3 National Hospital Ambulatory Care Survey published by the CDC 2009 Link: http://www.cdc.gov/nchs/data/ahcd/nhamcs_emergency/2009_ed_web_tables.pdf

Pharmacy• Save 10–85% (an average of 41%) on

prescription and drug purchases at more than 60,000 pharmacies nationwide.

• Whether you have insurance or not, many drugs are not covered and many insurance plans require a deductible to be met. Our card has no limits.

Dental Care• Save on everything from routine

cleanings, x-rays and fillings, to root canals and crowns at thousands of locations nationwide.

• Save on orthodontics, periodontics and cosmetic procedures where available.

Hearing Care• Free hearing screenings and substantial

discounts on hearing aids and other products and services at more than 3,300 locations nationwide.

Vision Care• Save 20–60% on prescription eyewear.

• Save 10–30% on eye exams and 40–50% on the national average on LASIK surgery, from over 14,000 eye care professionals in our network.

Diagnostic Lab & Imaging Discounts• Discounts of 50-75% on MRI and CT

scans and 10-80% on typical lab costs.

Lab portion not available in MA, MD, ND, MI, NY, RI and SD.

Medical Bill SaverTM

• The Health Advocate™ Medical Bill Saver™ benefit can lower out-of-pocket costs on medical bills not covered by insurance.

Medical Health AdvisorTM helps patients:• Navigate the healthcare and

insurance systems

• Find the best doctors, hospitals and other providers

• Resolve insurance claims and billing issues

• Schedule appointments with hard to reach specialists

• Secure second opinions to provide peace of mind

Medical Travel Assistance• Provides members access to a global

network of practicing physicians, travel assistance personnel and emergency evacuation benefits when traveling 100 miles from home and suffering a serious injury or illness.

Telephonic Counseling (EAP)– 24/7 access to counselors who assist with problem resolution for members with issues such as:• Depression, anxiety or stress

• Conflicts at work or home

• Reliance on alcohol, drugs, tobacco or food

• Sexual, physical or emotional abuse

• Loss and grief

• Change and transition

Telemedicine The family has high-deductible health insurance. Last year they had 9 doctor visits but 6 of those were handled on the phone: 2 calls with the flu, 1 with bronchitis, 1 with a stomach ache and 2 with ear infections, saving 4 doctor office visits, 1 urgent care and 1 ER visit.

$1,096

Pharmacy One family member’s monthly drug was changed to “non-formulary” and the price increased to $62. Using the savings card reduced the price to $26, saving $36/month.

$432

Dental Care 3 family members do not have dental insurance. Using the savings card, they saved on 3 cleanings and oral exams, and saved 38% on a crown.

$523

Vision Care The family needed 2 pairs of glasses. The cost with the card was reduced from $504 to $311.

$193

Total Savings $2,244

Here is an example of savings a family of four can expect using the HealthPerx Card.

Health Savings*

Affordable access. Quality care. Substantial savings.

“As a pharmaceutical rep, if I get sick it could take hours out of my day. If I’m out of town, it could result in packing it up and going home. Recently, an allergy turned into a sinus infection and I thought I was going down for the count, but I called telemedicine. Within 30 minutes, a doctor called, knew exactly what was going on, and sent in a prescription that I picked up an hour later. I couldn’t believe how well it worked. It’s the best value for the dollar I have ever seen.”

– Frank

*This is an illustration of savings and does not represent an actual member experience. Savings vary by provider, service and geographical location.

Lifestyle Benefits

Emergency Roadside Assistance• Up to 15 miles towing (up to $80 retail value) per occurrence maximum

for covered charges

• Fuel, oil, fluid and water delivery service; lock-out, flat tire, battery and collision assistance, available 24/7

Identity Theft Protection (for member only)

• Provides early notification whenever they detect your personal information is being used to apply for many forms of credit or services

• Removal from pre-approved credit offers

• 24/7 access to live, domestic fraud resolution experts

• ID theft reimbursement insurance

• ID theft analytics–risk score

• Fraud databases, social networks and proprietary data monitoring

Legal Care• Over 20,000 attorneys offering free services for consultations, new legal

matters, legal documents, small claims court representation, welfare, INS issues and simple wills.

• Capped fees on other commonly used legal services. For additional matters, plan attorneys will either charge $125 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate.

Fitness Club• Guaranteed lowest membership rates at more than 8,500 fitness clubs

nationwide. Average annual savings are $207 per year. Receive a Week FREE pass at all participating clubs.

Tax Help • Unlimited advice on federal taxation

• Free tax return preparation for forms 1040EZ, 1040A and standard 1040

• Deep discounts on numerous other tax schedules

• IRS audit assistance

• Review of prior year’s tax return and tax planning

• Member portal with tax tips, tax law changes, member advice and much more

Lifestyle Services

Pet Care • Save 25% on all vet services–no exclusions, no forms to fill out, no deductibles.

All pets in the household are included (valid at participating veterinarians).

Optional Lifestyle ServicesElder Care/Long Term Care• Save up to 25% at more than 5,500 home health or assisted living facilities.

Advisors available 24/7.

Golf Savings• Save up to 50% on greens fees at more than 2,000 courses throughout the

U.S., including Hilton Head, Myrtle Beach, Pinehurst and Palm Springs, plus courses in Canada, Ireland and Scotland. Save on driving ranges, golf lessons, stay-and-play packages and golf vacation packages.

“This is a fabulous benefit. I have had two issues this year. One was related to an issue with my dad’s Medicaid and Veteran’s Benefits. I was connected with an elder care attorney who was so helpful. I would have had to pay at least $500 for that much legal advice on my own. The other issue had to do with a contract I was asked to sign for my business. The attorney I got this time reviewed the contract and got back to me in a day with his recommendations, which were very helpful. I was very impressed with the service and professionalism from Legal Club of America.”

– William

Employers Note: Adding the Lifestyle Benefits is another opportunity for you to use these offerings as employee incentives, perks, recognition rewards, etc.

Identity Theft Protection Priceless

Emergency Roadside Assistance Service was provided to retrieve keys locked in the car, and to change a flat tire. Towing services up to 15 miles ($80 value). Eighty dollars will be applied toward the total bill for distances greater than 15 miles.

$170

Legal Care Issues were discussed with an attorney regarding veteran’s benefits and Medicare eligibility. A family member talked with an attorney specializing in elder care.

$500

Pet Care The dog needed surgery and the family received a $250 discount.

$250

Tax HelpThe family received advice when filling out their tax returns. $100

Fitness Club The family received a $50 discount on the enrollment fee and a $5 per month discount.

$110

Total Savings $1,130

Lifestyle Savings*

Here is an example of savings a family of four can expect using the HealthPerx Card.

“ My wife and I tried out LA Fitness on a free one-week pass and then joined with our discount. We saved $50 on the enrollment fee and $10 a month on the dues.”

– Bob

*This is an illustration of savings and does not represent an actual member experience. Savings vary by provider, service and geographical location.

Disclosures

This plan is NOT insurance. This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. This discount card program contains a 30 day cancellation period. FL, LA, MD, MS, ND, OK, RI, SC, SD and TX residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date. AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. MA residents: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary services received. The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state, and specialty of each program provider located in the cardholder’s service area. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, P.O. Box 671309, Dallas, TX 75367-1309, 800-800-7616. Website to obtain participating providers: www.locateproviders.com Pharmacy Savings Card Disclosures: Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for insurance. The discount is only available at participating pharmacies. The program administrator may obtain fees from pharmacies based on your prescription drug purchases. These fees may be retained by the program administrator or shared with you and/or your pharmacy. This program is not available in KS, UT, VT and WA. All other disclosures available on www.hperx.com.

For more information on individual and group plans, benefit details and provider locations contact: