Revolutionizing Payment Acceptance in Healthcare

Rising healthcare costs Consumer-driven coverage Higher deductibles Higher patient A/R, longer collection cycles and increased write offs. Regain “Elite” control

The McKinsey Report PATIENT BAD DEBT STATISTICS 36% of Patients have a Balance of 60 Days or More Past Due Currently $60 Billion in Patient Bad Debt (5% of Patient A/R) $250 Billion Out-of-Pocket Payments by Patients By 2015 Expected Rise is 68% or $190 Billion = $420 Billion 2-4% increase in bad debt (as a % of revenue) for providers by 2012 Just a 1% increase in bad debt with a 4% operating margin equals a whopping 25% profitability decrease for the average practice. SUGGESTED SOLUTIONS Provider-Centric Approach that includes: Automated Payments Discounts for early or prompt payment Convenience fee for payment plans Payer to provider electronic transactions (claims, payments) Information/Data Integration Source: The McKinsey Report June 2007

While others are simply THINKING about it… ….Elite Healthcare Processing has it!!! Introducing A-Claim™

Point of Service Collection Typical Provider Collection Strategy –Cash in-person –Checks in-person and via mail –Debit/Credit Card Visa/MasterCard brand via mail, phone & in-person SUGGESTIONS FOR IMPROVEMENT –Collect Deductibles and Co-Pays at time of service at ANY location Terminal and/or Virtual Terminal Based –Web Initiated card payment by patient via website –Automate collection of patient financial responsibility at the POS by collecting payment information for delayed payment & payment plans –Expand card types taken (Discover, American Express, JCB) Electronic Check – Available Soon In 2008 –Checks are sent electronically to the bank for deposit –Saves time, reduces “float” and NSF cycle time

Innovation – Enhanced Merchant Processing Front-End & Back-End Functionality  Eligibility Checking (including remaining deductible)  Collection of Co-Pay at POS  Electronic Collection of Patient’s Deductibles, Out of Pocket Expenses, Co-Insurance %’s, including 100% Self-Pay Patients THE TWIST  Collect patient payment data at the front-end for back-end payment  A Unique Methodology & Technology Blended to Collect Patient Debt

Real-time Insurance Eligibility Claims Adjudication Patient Payments Options A-Claim Online Regain “Elite” control

A-Claim Modules Real-time insurance eligibility  Verify eligibility for all-payers  Co-payment amount  Deductible (Individual & Family including met to-date)  In and Out of network Patient Payments Options  Real – Time Payments – Immediately paid by patient at time of service  Delayed Payments – Stored card data for payment after adjudication  Payment Plans – Automated monthly card payments A-Claim Online  Secure, online receivables management; PCI-DSS and HIPAA compliant  Initiate payments and view status of existing claims and payments  Ensure the proper adjudication by payers with 835 Remit Matching  Confirm application of secondary insurance  Generate custom reports and administer payment schedules

Patient checks in Instantaneous insurance eligibility check through A-Claim Patient sees physician Real-time/Delayed claim adjudication through A-Claim* * Regional availability Real-time payment Payment plan Delayed payment Card Based Payment Options Regain “Elite” control

Multiple Entry Options Verifone VX570 w/keyboard ** For use when Electronic Check becomes available Virtual Terminal through any web browser

A-Claim Features & Benefits Product Feature Real-Time Eligibility Real-Time Claim (Limited Area) Real-Time Payments Delayed Payments Benefit to Provider Baseline of patient’s financial responsibility Saves time & increases staff productivity Estimate patient financial responsibility Speeds payment of claim Accelerates cash flow Discounted merchant fees Interchange management Speeds & secures payment Decreases statement mailing Eliminates refunds

A-Claim Features & Benefits Product Feature Payment Plans Automated Payment Capture Multiple Terminal Options Benefit to Provider Secures payment at POS Fosters patient satisfaction Increases cash flow Allows for forecasting Decreases/eliminates staff time for payment entry Shrinks collection accounts Adapts to YOUR environment Multiple entry modes

A-Claim Features & Benefits Product Feature Excel Based Reporting Tool Multi-Merchant, Multi-User & Multi-Location Application Consolidated Reporting HIPPA & PCI Compliant Benefit to Provider Data integration & import capability Custom reports in seconds Easy financial reconciliation User based authority levels Chain/Outlet level reporting Easy electronic statements Secure patient data Reduce fraud risk

A-Claim Features & Benefits Product Feature User Friendly Quick Implementation Cost Effective Benefit to Provider One solution for multiple tasks Easy online administration Staff training provided Fits with existing processes with minimal change days maximum Minimal IT involvement or resources required Low cost hardware Low monthly program fee

Elite Healthcare Processing Toll Free(888) Secure Fax(262) Web Urlwww.elitepaymentsystems.comwww.elitepaymentsystems.com Corporate Office W. National Avenue #310 New Berlin, WI Florida Office 2338 Immokalee Road #242 Naples, FL THANK YOU Elite Healthcare Processing is a division of Elite Payment Systems, LLC 2008