Our Parent Company Founded in 1990 Dallas, TX based, privately held with

over 100 employees Supports over 3,000

Private Label Companies

OVER 20,000,000 Members Registered, Bonded & Licensed in all

states required by law to provide discount

Medical Benefits

Privately HeldNational Headquarters in Memphis TNAffiliates in San Juan, Tampa, CT and AZ OVER 80 Years

Combined Professional Business Experience

We RepresentTop Rated Companies with an emphasis on the BEST Medical Benefits in a rapidly growing market

CommittedIntegrity – Principals – Ideals

… for Ourselves and our Clients

A Healthcare Crisis Escalating Cost for Coverage

Reduced Benefits

Reduced Access to Physicians

Higher Co-Pays and Deductibles

Limited Competition among Providers

An industry that places employers in the

middle of health benefits decisions and

payments

Future Uncertainty

The LBC Solution: Healthcare – A New Vision Consumer Centric – On Demand

Improved Access to Physicians &

Pediatricians

Open Formulary

No Exclusions. No Co-Pays. Total Wellness Solution: Medical,

Vision, Hearing, Dental, Diagnostic, Pharmacy, etc.

Do You want to: Lower Your Health Care Costs?

Increase Your Access to Doctors?

Reduced Your Out-of-Pocket

Expenses?

Learn MORE about LBC?

Who uses LBC?

Employees with high deductibles

Employers who face higher health

care costs

Employees with NO health care

coverage

People with no time to waste on

office visits

Everyone who wants to save Time &

Money without sacrificing benefits

This is NOT Insurance!

Easy to use and understand

No health restrictions

No waiting period; start using

immediately

No limit on usage or discounts

received

People with no time to waste on

office visits

One card for the whole family

No paperwork

(no compliance or government regulation worries)

LBC Services

Medical Benefit Card

Pharmacy Plus Card

Medical Benefits: Tela-Health

Program Description: A National Network of U.S. Board Certified Physicians using

Telephone consultations and Online consultations to diagnose,

recommend treatment and write non-DEA controlled

prescriptions, if appropriate.

Accessible 24 hours a day, 365 days a year, from virtually

anywhere.

Average Doctor call-back time of 22 minutes, 1 hour guarantee

The Best Solution for non-emergency, after hours, away from

home or when your primary care physician is not available.

How Tela-Health Works:

Call or Teleconference a US Licensed Physician or Pediatrician 24 / 7 / 365

Speak to a physician about your condition in most cases less than 22 minutes, but within 1 hour guaranteed

Physician will diagnose your condition, and, if necessary, prescribe medication.

Sinus Infections Respiratory Conditions Urinary Tract Infections Allergies

Bronchitis Poison Ivy Pink Eye Cold or Flu

*These Symptoms Account for

OVER 91% of All ER and PHP Visits.

*Tela-Health is your Best Choice for these common conditions:

Tela-Health: Serious MedicineU.S. Residents and U.S. Board Certified All Tela-Health physicians live and work in the United States and have an average of 15 Years clinical experience with certification in internal medicine, family practice, emergency medicine or pediatrics.

Tele-HealthTela-Health receive specialized training in talking with patients, diagnosing over the phone or with online video while adhering to strict clinical protocols:

. Pediatric Telephone Protocols, 12th Edition

- Barton Schmitt, MD

. Adult Telephone Protocols, 2nd Edition

- David A. Thompson, MD FACEP

Verified - Verified through the National Physician Data Base (NPDB) and the American Medical Association (AMA) for medical licensure, training and education, work history and malpractice history.

Credentialed - Quality processes meet the National Committee for Quality Assurance (NCQA) standards. Tela-Health doctors must be recertified and credentialed every three years.

Does your Doctor do YOUR job?

Then why are YOU trying to do HIS ???

STOP Buying expensive, over-the-counter medications that only mask symptoms.

Get REAL medical diagnosis when you need it 24 / 7 / 365!

Get REAL Medical Access When you need it!

 

Take Advantage of our Nation-Wide Network!Our US Board Certified Physicians and Pediatricians service over 3 million members

Reduce Your Out-of-Pocket Expenses! No Co-Pays! No Exclusions or Exceptions!

Tela-Health by the numbers:

Why wait with Sick People in a Germ-Filled Clinic or ER?

Save up to 50% on services on general dentistry, cleanings,

root canals, crowns and orthodontia Over 92,500 dental practice locations. No Limit on number of visits or services No waiting period or schedules Save on routine dental services such as x-rays and fillings. Save on specialty care such as orthodontics and periodontics

where available. The program provides access to the Aetna Dental Access® network.

This network is administered by Aetna Life Insurance Company (ALIC)

Medical Benefits: Aetna Dental Access® Network

Dental Services ComparisonAetna Dental Access Network VS Other Common Dental Plans

Carrier Premium Oral Exam Full Mouth X-Ray Cleaning

Filling (amalgram, 1

surface)

Porcelain Crown (ADA Code 2752)

Root Canal (ADA Code

3310)

Complete Upper or

Lower Denture

Simple Extraction (ADA Code

7140)

Cost of doing business (Family) - Membership +

Exam + X-Ray + Cleaning + Filling (1)

Compared the difference of cost from

LBC

Carrington Care 500 1 member - $75.06 per/YR 2 members - $129.06 per/yr 3 member - $172.26 per year 0ne time $20 processing fee

$14.00 $ 40.00 $ 29.00 $ 40.00 $ 447.00 $ 272.00 $ 595.00 $51.00 $295.26 ($111.26)

Aetna Dental Access (Direct from Aetna)

1 member - $75.06 per/YR 2 members - $129.06 per/yr 3 member - $172.26 per year 0ne time $20 processing fee

$19.00 $56.00 $43.00 $66.00 $565.00 $334.00 $754.00 $58.00 $356.26 ($172.26)

Carrington Point of Service

1 member - $75.06 per/YR 2 members - $129.06 per/yr 3 member - $172.26 per year 0ne time $20 processing fee

$22.00 $65.00 $42.00 $57.00 $512.00 $330.00 $713.00 $72.00 $358.26 ($174.26)

Tennessee Dental Plan 1 member - $114.95 per/YR Family - $169.95 per/YR $17.00 $45.00 $33.00 $63.00 $550.00 NA $685.00 NA $232.95 ($48.95)

Alliance HealthCard Gold Card

1 member - $144.95 per/YR Family - $199.95 per/YR $21.00 $60.00 $46.00 $61.00 $541.00 $313.00 $709.00 $46.00 $387.95 ($203.95)

Preferred Network Access by CIGNA

1 member - $134.95 per/YR Family - $189.95 per/YR $21.00 $60.00 $46.00 $61.00 $497.00 $313.00 $1,146.00 $56.00 $377.95 ($193.95)

Dent-All Plan, Inc. Nationwide Program

1 member - $114.95 per/YR Family - $169.95 per/YR $21.00 $60.00 $39.00 $62.00 $482.00 $310.00 $1,184.00 $69.00 $351.95 ($167.95)

LBC’s Aetna Dental

Access

LBC Medical Card - Price per month per family, Includes: Telehealth, Dental, Vision, Hearing, Pharm, Diabetic Supplies, Vitamin Supplies, Lab & Imaging

$19.00 $56.00 $43.00 $66.00 $565.00 $334.00 $754.00 $58.00 $184.00

Highlights Over 12,000 eye care locations nationwide. Members save on:

Eyeglasses, Contacts, Eye Exams and Surgical Procedures Our benefit provider network is the Most Comprehensive in the U.S. and

includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, EyeMasters and QualSight LASIK.

Savings of up to 60% on Prescription Eyewear Save up to 20% on contact lenses (excluding disposables) Savings of up to 30% on eye exams

Medical Benefits: Vision

Eye Care Benefits Save up to 50% off the overall national average on LASIK surgery

(PRK and CK available at select locations), frames, lenses and specialty items such as tints, coatings and UV protection are available.

No Limit on the number of times membership may be used during the year.

Guarantees: 30-Day, Unconditional Money-back Satisfaction GuaranteeLow Price Guarantee on Eyeglasses

Members may nominate their own eye care professional to join the network.

Medical Benefits: Vision

Program Description VIP Diabetic Product Packages members save dramatically over the

retail price of their diabetic supplies. Product Packages include a premier Glucose Meter, control solution, test strips, lancets and lancing device. Supplies are shipped regularly at no additional cost.

Program Highlights Many different product packages to choose from based on testing

requirements. Product packages are designed for everyday testing. Product packages are priced from $29.99/month to $169.99/month,

up to 60% off the average competitors’ retail prices. Save up to 15% off on any single order items including test strips,

lancets, lancing device, and more. Convenient home delivery on all diabetic supplies.

Medical Benefits: Diabetic Supplies

Program Description One-stop shop for thousands of top brand vitamins, supplements, low-carb

merchandise and personal care products. Save up to 10% on over 12,000 name brand vitamins and nutritional

supplements including sale priced items. Members can place orders online or by phone.

Program Highlights Additional 10% discount off our already low prices on all vitamins and

nutritional supplements Toll-free telephone or online ordering Over 12,000 products in stock everyday

Medical Benefits: Vitamin and Nutritional Supplements

Prescription Savings Save up to 60% on most medications and prescriptions. Pharmacy discount accepted at most major pharmacies including

Pharmacy card accepted at over 60,000 retail pharmacies. Guaranteed lowest prices on mail order and maintenance

medications. For Seniors, you will save an average of 10% below AARP prices. Open Formulary (includes new and experimental drugs)

Medical Benefits: Pharmacy Savings

Medical Benefits: Pharmacy Savings

Highlights Save up to 85% on most prescriptions. Guaranteed lowest pricing on maintenance medications. In 2011* we had 38% Average Savings Prices average 10% below AARP Over 60,000 national and regional pharmacy chains participate as well

as independent pharmacies: Kroger, CVS, Rite Aide, Wal-Mart, Walgreens and most local pharmacies.

Open Formulary (includes new and experimental drugs) Home delivery with no postage or dispensing fees.

*

Medical Benefits:Hearing & Hearing Aids

The number one disability in the world is hearing loss.

Save up to 35% on over 70 models of Beltone hearing aids at over 4,000 retail locations. Save up to 60% on over 100 makes and models of hearing aids through the mail order service. Our program offers Free Hearing Screening Access to Newport Audiology Centers, the nation’s leading provider of audio logical and hearing-aid services with a network of more than 2,000 full service centers.

Highlights 35% discount off Newport Audiology’s hearing aid prices Two year supply of hearing aid batteries with purchase Complimentary audio logical (hearing screening) evaluation Two year manufacturer’s warranty, including a one-time replacement for

loss or damage and a 45-day trial period Unlimited follow-up visits during the useful life of the hearing aid for

cleaning and check ups 100% Service Satisfaction Guarantee during the first 60 days A complimentary audio logical (hearing) evaluation every two years Belcare™ and Lifetime Care™ program 2,050 provider locations across the U.S., made up of a cross section of

audiologists, hearing specialists and professionals

Medical Benefits: Hearing & Hearing Aids

Medical Benefits: Lab & Imaging

Highlights Largest panel of radiologists and imaging specialists in the US Discounts of up to 60% on CT and MRI procedures from

credentialed radiology providers Over 2,900 outpatient radiology facilities in all 50 states Multilingual customer service staff Priority appointment scheduling Scheduling with open or closed imaging equipment based

on specific needs or member preference. Coast-to-coast network** with hours of operation

8:00 am-8:30 pm EST No limit to the number of times you may use this service

Past Current New or Current New

Insu

ran

ce

Insu

ran

ce

Out Of Pocket

$

Out Of Pocket

$

⇧ Premium

⇧ Deductible

⇧ Out of

Pocket $

⇧ Money

⇧ Time

⇧ Access

Insu

ran

ce

Insu

ran

ce

Out Of Pocket

$

Out Of Pocket

$

Insu

ran

ce

Insu

ran

ce

Out Of Pocket

$

Out Of Pocket

$

Old vs Current vs New Generation LBC Services Reduce Out-of-Pocket Costs

Out Of Pocket

$

Out Of Pocket

$

Out Of Pocket

$

Out Of Pocket

$

Save on:

Money

Time

Access

For:

Doctors

Dentist

Hearing

Pharmacy

Medical Benefit CardIncludes:Tela-HealthDental DiscountVision DiscountPharmacy Discount Lab & Imaging DiscountHearing & Hearing Aid Discount Diabetic Supply DiscountVitamin Discount

$10.95/mo. Family Coverage *

A small price to pay for piece of mind…

Medical Express CardIncludes:Tela-HealthFamily ConsultationPharmacy Discount Lab & Imaging DiscountHearing & Hearing Aid Discount Diabetic Supply DiscountVitamin Discount

$9.95/mo. Family Coverage*

*One time Application fee $9.95

Pharmacy Plus CardIncludes:

Discount Drugs

Hearing Services

Lab & Imaging

Your Cost: $0 Family Coverage

A small price to pay for piece of mind…