Value-added Health and Lifestyle Programs addressing some of today’s most important issues

The Solution:The HealthPerx™ Card addresses this challenge by providing users with lowcost access to the healthcare they need while offering businesses an innovative solution that reduces absenteeism, increases productivity, promotes consumerism and decreases overall healthcare costs. Using Telemedicine as the core benefit, studies have shown reductions in doctor office visits, ER visits, absenteeism and overall healthcare costs while promoting wellness, prevention and personal responsibility.

The Issue:One of the most challenging issues of our time is affordable healthcare. More employers have been forced to restructure their benefit plans, often reducing benefits or shifting to consumer-driven health plan options or other high-deductible high co-pay options. Many offer no benefits at all.

Most Notable Feature – Telemedicine

• Access to board certified physicians 24/7 allows quick diagnosis and treatment

• Case studies show 45%-64% reduction in overall physician office visits and 15%-35% reduction in ER visits for non-emergency health issues

• Successful diagnosis and treatment for 94% of calls with 98% satisfaction level

• Significant ROI

These benefits all use “best of class” provider networks, making this program a valuable and strategic solution to many of today’s healthcare challenges.

Lifestyle Needs: In addition to savings on healthcare, consumers are also seeking innovative strategiesto save money on everyday products and services without sacrificing quality. Our Lifestyle Benefits program targets some of the most popular of these products and services offering incredible discounts. These include roadside assistance, identity theft protection, legal care, fitness clubs, tax help and pet care.

BenefitsHealth

SavingsLifestyle Savings

Health BenefitsTelemedicine ✓Pharmacy Savings Card ✓Dental Care ✓Vision Care ✓Hearing Care ✓Lab & Imaging ✓

Lifestyle BenefitsIFCN Fitness Club Discounts ✓ ✓Identity Theft Protection ✓Emergency Roadside Assistance ✓Legal Care Direct ✓Tax Help Line ✓Pet Care ✓

Monthly Investments $19.99 $21.99Stand-alone Value $71.65 $71.20

Additional health benefits include:

• Pharmacy Savings Card

• Dental Care

• Vision Care

• Hearing Care

• Lab & Imaging

• Fitness Center Discounts

✓ Everyone is accepted

✓ Good for the whole family

✓ Immediate availability–unlimited usage

✓ Easy to use–no paperwork

✓ Satisfaction Guaranteed

Health Perx can save families thousands of dollars a year!

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. Telemedicine Disclosures: Telemedicine physicians do not prescribe controlled medications. Telemedicine is not insurance. Telemedicine does not replace your primary care physician. Telemedicine does not prescribe medications in OK. 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. Aetna Dental Access*: Actual costs and savings vary by provider, service and geographical area.** According to the Aetna Enterprise Provider Database as of November 1, 2010. All other disclosures available on www.HPerx.com. This program is not available in KS, WA and VT.

For More Information: www.HPerx.com

Actual Savings Using Health Perx CardConsider the Johnson’s Family Expenses for 2011

The Johnsons have 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 and 1 with a stomach ache and 2 ear infections saving 4 doctor office visits, 1 urgent care and 1 ER visit.

$1,096

3 of the Johnsons don’t have dentalinsurance, but saved on 3 cleanings through Aetna. One saved 38% on a crown.

$523

They have no vision insurance, but needed 2 pairs of glasses ($504 cost reduced to $311).

$193

Mr. Johnson’s monthly drug was made “Non-Formulary” and now costs $62. His Prescription Discount Card had it for $26. Save $36/month.

$432

Total Savings $2,244

Lifestyle Savings

Roadside Assistance Daughter locked her keys in the car. Wife had a flat tire.

$170

Identity Theft Priceless

Legal Care DirectDiscussed issues related to veterans benefits and Medicare eligility or attorney specializing in elder car

Had an attorney write a letter to a company that refused to return defective TV. (TV was returned for a full refund)

$500

Tax Help LineReceived advice when filling out tax returns.

$100

Pet Care Dog needed surgery – discount of $250 $250

Fitness Center Received $50 discount on enrollment fee and $5/month reduction.

$110

Total Savings $1,130