Welcome to CADR+ Healthcare the way it should be! Updated: July 31 st, 2013

THE STATE OF HEALTH CARE  Average family spends $1,430 and loses around 35 hours each year to doctor’s office visits alone  That’s about $120 and 3 hours every month  Most doctors offices are closed 75% of the hours/week  Over 66% of ER visits are for non-emergency reasons  25% of people have skipped a recommended medical test due to cost  24% of people do not fill their prescriptions  Over 75% of Doctor visits originate from stress factors  1 in 3 Americans state their level of stress is “extreme”

GETTING TO THE DOCTOR  Difficult to meet face-to-face with a physician/specialist (and getting harder all the time)  Difficult to get a timely appointment  Can be difficult to actually get to the appointment  Emergency Rooms and Urgent Care are frustrating and expensive options  Missing work can be a costly proposition

THE BOTTOM LINE…  Getting well has become extremely inconvenient  Additionally, it isn’t cheap  For most people, healthcare reform will inevitably lead to  Increased costs  Longer waits  Shorter interactions  Increased stress levels

A NEW PARADIGM  Cell phones (early ’80s)  Google (late ’90s)  Online banking (past 3 years)  Telemedicine or telehealth (next 5 years!)  4 of 5 office visits can be better handled over the phone  Over 90% of calls solve problem with no need for follow-up  89% of Healthcare executives believe telemedicine will transform Healthcare in the United States  4% of population today, expected to grow to 40% in 2 years

WELCOME TO CADR+ CADR+ is a program designed specifically to save you time and money by utilizing technology to provide efficient, immediate access to Healthcare solutions and other personal services.

UNLIMITED, 24/7 ACCESS… U.S. Based, Trained, Board Certified Doctors Bill Review & Mediation Specialists Telephone Consultations Legal & Financial Services Natural Therapy Professionals Discount Health Card Online Life Resources All from the comfort and convenience of your phone or computer!

ANYTIME, ANYWHERE, ANYONE Unlimited access, unlimited value Instant, 24/7 availability, from wherever you are High-quality healthcare, the moment you need it Peace of mind, for you and your family Connect in minutes to the help you need Total care, for your body, mind and wallet Only $.66 per day, for the entire family! Finally… the care you need, on your schedule!!

CONSULT A DOCTOR  The backbone of the CADR+ program  A technology that connects you with a physician  On-demand, 24/7 access by phone, and video  A network of U.S.-based, state-licensed doctors  Diagnosis and prescriptions for common conditions  ePrescriptions and Personal Health Records  SureScripts provides two years of prescriptive history  All consultations are recorded and added to your records

* Non-Controlled Substances 24/7/365 On-Demand Physician Consultations Via Phone, Web (Video/ ) and Mobile Apps

Symptom Checker Interactive questionnaires designed to narrow down condition or illness Health Risk Assessment Interactive health tools identify health risks and promote wellness Wellness Tools Promote prevention with discount wellness tests for at risk population ePrescribing to Choice Pharmacy Safer and faster way to get RX medication when necessary Interactive Health Tools Programs to help stop smoking, learn about diet, nutrition & more Health Library The latest articles sorted by topics, most popular or key words

50 STATE PHYSICIAN NETWORK*  Network of licensed primary care physicians/specialists  US Board certified, state licensed  Specialists, including:  Pediatrics, Cardiology, OB / GYN  Mental Health, Endocrinology  NCQA Credential review process  Annual re-credentialing  170 Languages Supported  Detailed and Stringent Quality Protocols  Chief Medical Officer: Dr. Douglas Smith  Co-Founder: MinuteClinic *CADR+ not currently available in Idaho.

Cold/Flu Sinus infections Upper Respiratory Allergies Headaches Urinary Tract (UTI) Bronchitis Zithromax Z-Pak Amoxicillin Albuterol Augmentin Tessalon Azithromycin Keflex Bactrim Macrobid Pyridium Biaxin Allegra Bactrim Ibuprofen 800 Nasonex Lipitor * NO DEA CONTROLLED SUBSTANCES Less prescribing than office settings  Doctor less pressured  No $$ incentives to prescribe meds  More convenient & accessible  Less effort or aggravation for patient ~40% Cipro Lisinopril Tamiflu Prednisone Metformin Flonase Diflucan HCTZ Levaquin Of the top 50 diagnosis treated with telemedicine Stomach Ache/Diarrhea Eye infections Ear Infections Rash/Skin Irritation Yeast Infection Other GYN complaints Common Medications Prescribed Common Conditions 82% Patients triaged to alternative level of care when necessary

USE CADR+ WHEN YOU:  Need care after hours or on weekends  Need medical care access from remote locations  Need Rx prescription/refills* for common conditions  Cannot meet face-to-face with physician / specialist  Cannot get a timely appointment  Cannot get to a doctor due to disability  Do not want to go to ER/UC  Cannot afford to take off work  Are traveling and need advice *If appropriate

Data and dollar amounts are based on national averages. Amounts listed may not reflect actual billed charges 65% of members would have gone to PCP at cost of $153 10% of members would have gone to Urgent Care at cost of $350 15% of members would have gone to Emergency Room at cost of $1029 Estimated lost productivity to employers Consult A Doctor telemedicine services help eliminate 1,000’s of hours of lost productivity due to medical absenteeism. 15 HOW CADR+ REDUCES COSTS

STATS:  2300 employees  26 locations  7 states  17% utilization  99% satisfaction  413% ROI* SAVINGS: Office visits $18,337 ER visits$121,849 Urgent Care $5,195 Productivity $82,170 Total (annual) $227,551 Video: Chris McCool, SVP Sales & Marketing CASE STUDY *Plan included Consult a Doctor only.

IN GOOD COMPANY

A WHOLE LOT MORE! CADR+ provides a host of additional resources, all specifically selected to give you the very best group of services available for achieving true wellness!

THE STRESS EFFECT  Over 1/2 of Americans self-report that they are “struggling” with life today and 1/3 state their average stress level as “extreme”  75–90% of doctor visits considered to be stress-related  Stress is linked to all of the leading causes of death including heart disease, cancer, accidents and suicide  The World Health Organization estimates that the equivalent of 7.1 productive days are lost per employee each year due to stress-related factors  25 million Americans will have an episode of major depression this year alone

BILL REVIEW & MEDIATION  Provides a personal negotiator who acts on the patient’s behalf, mediating solutions directly with medical facilities.  Who is eligible?  Active member of the CADR+ program  Received care for a single related medical event at a hospital, emergency clinic or surgical center  Minimum of $2,500 balance after discounts & benefits are applied.  Solutions could include:  Applying for financial assistance  Negotiating a settlement  Arranging a payment plan

FREE DISCOUNT CARD*  Medical – save up to 50%  Pharmacy Savings – save up to 65%  Dental Care – save up to 50%  Vision Care – save up to 50%  Hearing – save up to 15%  Diabetes Care & Supplies – save 52–70%  Lab Savings – save up to 50%  MRI & Imaging – save up to 70%  And more! *CADR+ membership not required for WellCard Discount program.

TELEPHONE CONSULTATION  Unlimited access  Masters-level clinicians  Available 24/7  Live Answer  Confidential Service  170 Languages  Crisis Support

LEGAL & FINANCIAL SERVICES  Attorney consultations by phone or face to face*  Domestic/family, civil, landlord/tenant, criminal, estate planning, immigration, motor vehicle, etc.  Free online legal documents for all eligible dependents  Simple Wills, Power of Attorneys, Living Wills  Financial consultations by phone*  Debt and loan consolidation, mortgage and refinancing.  Telephonic fraud resolution consultation  Provided by Certified Fraud Resolution Specialist *First 30 minutes free per issue, unlimited issues

CHOOSEHEALTY PROGRAM  Discounts over 25% on natural therapy services  Service Include:  Chiropractic  Massage Therapy  Acupuncture  Nutrition Services  Over 19,000 participating professionals nationwide

ONLINE LIFE RESOURCES There are times in everyday life when you may need a little guidance:  Child care  Parenting  Emergency care  Summer care  New baby care  Adoption  Colleges and universities  Elder resources  Disaster relief  Pet care  Primary/secondary education  Patient Advocacy

SELFCARE AND WELLBEING A partner to help you achieve positive, long- term improvement in health and wellness  Fitness  Smoking cessation  Weight management  Stress management  Targeted webinars  Discount Center  Computers and electronics  Travel, car rentals and hotels  Gifts and retail shopping  Movie tickets & video rentals  Theme parks  Fitness centers  Shoes and clothes  Restaurants… and more!

WHAT’S IN IT FOR THE MEMBER? Convenience:  Licensed physicians and industry professionals available 24/7/365  No waiting rooms, no closed offices, no waiting weeks for an appointment  Receive answers and treatment within minutes via phone, , or video Peace-of-mind:  100% acceptance regardless of preexisting conditions or age  No limitations on usage  Board certified, state specific Physicians and other Aetna vetted partners  “Do it for yourself; do it for the ones you love” Money-savings:  Significantly less expensive than typical Office, ER/UC visits  Saves on out of pocket expenses i.e. high deductibles, co-pays  Less time off needed for doctor appointments  Bill mediation available in the event of excessive medical billing

WHAT’S IN IT FOR EMPLOYERS? Saves Money:  Avoids expensive visits to doctors, urgent care and ER  Lowers total cost of healthcare Saves Time:  Employees take less time off work  Early intervention & recovery leads to increased wellness and productivity Happier, Healthier Employees:  Goodwill: employees love it!  Fosters self-directed wellness (online tools)  Address hidden mental health issues  Additional lifestyle / concierge resources for “everyday living”

Improve Access Multiple ways to Consult 24/7 Lowers Cost Avoid high cost settings like the Doctor’s office, Urgent Care/ER Care Coordination 24/7 consultations Clinically efficient, effective and most convenient Quality Care Qualified professionals that can provide information, diagnose and prescribe Rx medication* * If appropriate Phone, , Video, Mobile Application Save Time Save Money Reduce Absenteeism Get Information/ Diagnosis Anytime, Anywhere 24/7 Get Well Fast Affordable Cost Setting Better Outcomes +++

THANK YOU!!