An Innovative and Transformative Strategy to Reduce Healthcare Costs

Managing Healthcare Costs• Employers continue to seek creative

solutions to reduce healthcare costs, decrease absenteeism and increase productivity

• They have been forced to restructure their benefit plans, often reducing benefits and raising deductibles and co-pays

• This leaves some gaps in coverage and more exposure for employees

• This also leaves some strategic opportunities

Managing Healthcare Costs

• One creative solution is the HEALTH PERX™ Card, which offers a range of affordable healthcare benefits.

• These benefits offer the entire family thousands of dollars in savings.

• At the same time it offers the employer those creative solutions they seek

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.

• 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.

• 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 service received.

Benefit Choices

Health Benefits

Pharmacy Savings Card

Telemedicine

Vision Care

Dental Care

Hearing Care

Lab, X-ray & Imaging

Complete benefit information, provider locators, FAQs and links to Rx price finder and Lab discounts can be found by

visiting www.wellnesshealthsolutions.com.

Health Care Reform 20-30 million consumers entering the system

A shortage of primary care physicians

What Will Happen? Individuals will ignore symptoms and delay

treatment which can lead to more serious medical complications

Individuals will leave work for minor issues which results in loss of productivity and unnecessary costs

Individuals will overuse Urgent Care and ERs

Telemedicine can eliminate

most of these problems

Health Care Reform and Telemedicine Access Points for Healthcare

Medical Offices—physician assistants and nurse practitioners

Walk-in Clinics–-Grocery Stores and Pharmacies

Urgent Care and ER Clinics

Telemedicine—Doctors by phone or secure email

Telemedicine can provide immediate access to healthcare to every individual wherever they are, whenever they need it.

The most efficient and cost effective method to deliver telemedicine is by phone.

“Telemedicine has the potential for restructuringmedical care in ways that can solve many of

the problems, while reducing costs and improving quality of care.”

 National Center for Policy AnalysisConvenient Care and Telemedicine White Paper, November 2007

National Center for Policy Analysis

Studies ShowPhysician telephone consults … have been proven to replace 45%-64% of doctor office visits and 15%-35% of hospital ER visits. Source:  TelaDoc 2007 Survey and Consult A Doctor Survey Results 2010

Costs can be reduced as the healthcare system moves from in-person physical exams to virtual visits. The average ER visit is $1024 and primary care office visit is $140. Source:  BCBS 2007: Health Cost Estimator

Patient satisfaction with telemedicine is high…due to convenience, comfort , privacy…and the security of having 24-hour access. Source:  Us Department of Commerce, Office of Technology

The Challenge: Most telemedicine services require a  co-pay.  This represents a significant barrier resulting in low usage rates.  

We have eliminated that barrier.

Telemedicine

Proprietary and Confidential

We partner with a network of licensed, board certified physicians, available 24/7/365 by phone or secure email, who can diagnose and treat non-emergency, routine medical conditions. They can prescribe medications when appropriate.

Call :

• When your physician is not available • For non-emergent medical conditions or

questions• After normal business hours, nights,

weekends• When on vacation or in the field• Requesting prescriptions or refills

Survey Results

• Patient calls are diagnosed and treated successfully more than 94% of the time (the other 6% cannot be treated by phone) with 98% satisfaction rating.

• 64% of callers would have gone to physician and 15% to the ER—a significant savings of time and money.

Disclosures:Physicians do not prescribe controlled medications. Telemedicine is not insurance.Telemedicine does not replace your primary care physician.

Facts Physicians: Experienced in Primary Care, Internal Medicine or

Emergency Room practices Fully credentialed by the NCQA

Common Conditions Treated: Cold/flu Sore Throat Bronchitis Allergies Sinus and Respiratory Infections Headaches and Migraines Stomach aches and Diarrhea Urinary tract Infections Minor Burns Sprains Insect Bites Prescription Refills Second Opinions

Return on InvestmentBased on typical investment in this benefit program (results vary according to number of variables)

With 25% participation: Receive $1.86 for every $1 investedWith 33% participation: Receive $3.07 for every $1 investedWith 50% participation: Receive $4.65 for every $1 invested

Disclosures:Office and ER visits taken from CDC Nat’l. Center for Health Statistics.Costs per office and ER visit based on BCBS negotiated rates.Reductions in office and ER visits based on actual survey results.

Imagine if every corporation strongly encouraged a “call first” policyTelemedicine is a game-changer!

Pharmacy Savings Card

Wellness Health Solutions has direct contracts for discounts on both brand-name and generic drugs at more than 67,000 pharmacies.

Savings of 11% to 75% with an average of 53% off the retail price of most Rx purchases.

Pharmacy Savings Card

Even though some individuals may have a pharmacy benefit, many prescriptions aren’t covered.

Ex: cosmetic drugs, appetite

suppressants, smoking cessation prescriptions, prenatal vitamins or nutritional supplies, inject-able supplies, contraceptive devices, immunizations and vaccines and many more

Our card covers them all.

Pharmacy Savings Card

Proprietary and Confidential The Pharmacy Savings Card is NOT Insurance.

Other Features that promote consumerism:

• RxPrice Retriever.

• Generic Navigator

Pharmacy Savings Card

Proprietary and Confidential

Drug SelectedLIPITOR 40 MG Tablet QTY 30 =$133.18 (discounted price)

Generic AlternativeGENERIC PRODUCT NOT AVAILABLE N/A  Optional Drugs within this Therapeutic Class Speak to your Physician about a therapeutic alternative.

SIMVASTATIN 40 MG TabletQTY 30 =$10.66PRAVASTATIN SODIUM 40 MG QTY 30 =$13.67LOVASTATIN 40 MG Tablet QTY 30 =$26.76LESCOL 40 MG Capsule QTY 30 =$90.81MEVACOR 40 MG Tablet QTY 30 =$124.02CRESTOR 40 MG Tablet QTY 30 =$127.01

The Rebate Program

Proprietary and Confidential

The only Pharmacy Savings Card in the country to offer rebates from over 30 pharmaceutical manufacturers on over 1000 branded drugs.

When consumer purchases a drug on rebate list, they will receive a preloaded MasterCard in the mail with their rebate amount. Many drugs offer $12-$20 rebates.

Subsequent rebates will be loaded onto that same card.

Every time a rebate is processed, card holder will be notified by email.

The Pharmacy Savings Card is NOT Insurance.

Mail Order Price Guarantee

Our Clients are eligible for additional programs:

• Smoking Cessation programs at big savings

• Diagnostic Lab, X-ray and Imaging Discounts

• Access to “Health & Wellness Focus” portal

Additional Benefits

Smoking Cessation Program

Additional Benefits

Present Pharmacy Savings Card and receive significant discount on Chantix™ prescription

After 90 day program, receive additional $30 via Rebate Card

Take advantage of educational materials and complete support program available through Pfizer “The Get Quit” Plan

Additional Benefits

Diagnostic Lab, X-Ray and Imaging

Affordable: Deeply Discounted Rates – 10-60%.

Convenient: Choose the lab location that's best for you

Quality: Federally and state certified clinics. Over 2900 radiology centers

Easy Laboratory Testing: Order your tests online or call us. Results within 48 - 72 hours. It's that easy.

No co-paysNo deductibles

Confidential: Results sent only to you.

Additional Benefits

People who do not currently have medication coverage

Many drugs on PBM plan cost more than discount card

People who are taking a drug not covered by their medication coverage

Those with a high co-pay or deductible

Those using another discount card

There are 33,000 prescriptions below $7

Who Can Benefit

• We own our own network—over 65,000 pharmacies

• We offer excellent discounts to the consumer (11-75%)

• We offer cash rebates on many brand drugs• We provide smoking cessation discounts and

educational tools• We provide discounts on Lab, X-ray and Imaging• We provide a comprehensive, user friendly,

wellness portal• Everything can be branded

SUMMARY

This can be a stand-alone benefit

Proprietary and Confidential

This card is now being offered to Associations, Non-profits, Municipalities and other groups for distribution to their members and communities.

Every time a prescription is filled, they earn revenue

We can design website tools for pharmacy cards online or print cards for our distribution partners.

The Pharmacy Savings Card is NOT Insurance.

Generate Revenue with a Free Pharmacy Savings Card

Other Health Benefits

Dental Discounts not available to Vermont residents

Dental Care

Members save 15% to 50% on everything from general dentistry and cleanings to root canals, crowns and cosmetic dentistry where available.  

Over 92,500 dental practice locations.   Save on specialty care, orthodontics,

endodontics and periodontics where available.

No limit on number of visits *Actual costs and savings vary by provider and geographical area.** According to the Aetna Enterprise Provider Database as of October 1, 2008. .

Other Health BenefitsVision Care

Save an average of 20%-60% on prescription eyeglasses, frames, lenses, tints, coatings, UV protection and specialty items

Savings on eye exams and 40-50% off the national average on LASIK surgery and PRK (where available)

Savings of 10%-30% on contacts

More than 12,000 locations including national chains and independent providers

Pearle •Sears • JC Penny •Target • LensCrafters • Sterling •EyeMasters• QualSight LASIK

Other Health Benefits

Proprietary and Confidential

Hearing Care-

Beltone Hearing Centers—1350 locations Free hearing screening and substantial discounts

on hearing aids and other products and services.

Newport Audiology Centers 35% discount off hearing aid prices at over 2,000

locations 100% Service Satisfaction during the first 60 days

Mail Order Hearing Aids Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing instruments. Receive the lowest price available. 45-day in-home trial period and 1year factory warranty

Other Benefits

Proprietary and Confidential

Lifestyle Benefits

Emergency Roadside Assistance

Identity Theft Protection

Legal Services Direct

Pet Care

Fitness Club Discounts

Complete benefit information, provider locators and FAQs can be found by visiting

www.wellnesshealthsolutions.com.

Lifestyle BenefitsEmergency Roadside Assistance – Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges. Flat tire assistance, fuel, oil, fluid and water delivery service, lock-out assistance, battery assistance, & collision assistance.

LifeLock ID Theft Protection * (for member only—family is extra) Identity Alert™ System – provides early notification whenever they detect your

personal information being used to apply for many forms of credit or services WalletLock™ helps cancel and replace the contents of a lost or stolen wallet eRecon™ patrols the web and notifies you of illegal selling or trading of your

information TrueAddress™ notifies you when a change of address is requested in your

name Free annual credit reports from the three major credit-reporting agencies 24-hour customer service $1 million total service guarantee –if you become a victim of identity theft

because of a failure in their service, they will help you fix it at their expense, up to $1,000,000

Lifestyle BenefitsLegal Services Direct

Nine free services which include: Unlimited initial phone consultations for new legal matters Initial one-on-one consultations for new legal matters Document review (6 pages or less) Letters written on the member’s behalf Phone calls made on member’s behalf Assistance with governmental programs Assistance with small claims court representation Free simple will with free annual updates Free living will—state specific

Eight commonly used legal services deeply discounted, such as traffic ticket defense, name change, simple divorce, simple trust and more.

Plan attorneys will either charge $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater.

Lifestyle Benefits

Pet Care- Receive 25% off all services at participating vets. Free pet tag and 24/7 location service. Receive 10-30% off at participating providers on pet services, such as boarding, doggie day care, training, pet sitting and grooming.

Fitness Club Discounts-International Fitness Club Network--Guaranteed lowest rates at over 8,500 quality fitness centers nationwide. Introductory Free Week Trial to all clubs. All meet ACSM guidelines.

Other Features List-bill capabilities

Fulfillment Kit and Membership Cards

Website Access to benefits and provider locators

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. Compliance Department monitoring state legislative

requirements

Marketing assistance and brochures

Money Back Guarantee

All benefits are good for the entire family*

*LifeLock benefit covers cardholder only

Target Applications

Self-funded corporations

Fully insured companies with high deductible

plans

Limited-liability plans

Schools, Government, Associations

These low cost benefits complement any insurance plan by offering innovative strategies for reducing absenteeism, increasing productivity, and decreasing overall healthcare costs for the employer while encouraging employees to take more responsibility for their healthcare costs.

Value Proposition

Employers Employees

• Ability to add a benefit with a high perceived value

• A program that will decrease absenteeism, increase productivity and reduce overall healthcare costs

• Ability to ensure that every employee has access to healthcare when they need it wherever they are

• Ability to promote health and wellness and encourage personal responsibility

• A program that can help with acquisition and retention of employees

• Access to medical consultations 24/7 as well as savings on pharmacy, vision, dental, hearing and more

• A benefit that can fill in many gaps in insurance coverage, particularly with high-deductible and consumer-driven healthcare plans

• A program that eliminates unnecessary visits to the doctor or ER

• A benefit that can save the family thousands of dollars a year

• Lifestyle benefits that can save the family additional money on everyday needs

Our Standard Packages

Packages and PricingVoluntary Benefits

Select benefits to include and we will develop wholesale pricing.

Involuntary or Embedded Benefits

Based upon group size and projections or guarantees, we will develop involuntary pricing package.

Fulfillment Kits can be provided by client and reduce cost.

Contact: