1. Take the headache out of healthcare (and more)…
all in one easy-to-use card!
freshbenies 2.0 –
Presentation slides for employers.
Revised 6/19/15.

2. Agenda Why a new strategy? What are the bundles/benefits?
How are they delivered?
Strategies / Q&A
Keep this nice and simple
Couldn’t possibly cover everything, but let’s take the big hitters and break it down!

3. EMPLOYEES STRUGGLE WITH

4. skyrocketing healthcare costs with telehealth, doctors online,
freshbenies offsets
skyrocketing healthcare costs with telehealth, doctors online,
advocacy, health savings
& more –
all in one easy-to-use card.
9 services. 1 card. 1 invoice.
1 member engagement program.

5. Disclosures
This is NOT insurance. This discount card program contains a 30 day cancellation period. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR Member shall receive a full refund of membership fees if membership is cancelled within the first 30 days after the effective date. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box , Dallas, TX , Some state restrictions may apply.
Disclosures for Regulator rules.

6. The Bundle Doctors Online Telehealth Rx Savings Advocacy
STEP 1 ACCESS CARD
Participants
Employer-Paid
Voluntary
5-99
$1000
(minimum 10)
$ 950
$1200
1000+
$ 900
per family
per month
The Access Card is where everybody starts!
This is NOT Insurance *All prices are per month costs Some state restrictions apply.

7. Dental+Vision Savings
Telehealth
Doctors Online
Advocacy
Rx Savings
STEP 1 ACESS CARD
Participants
Employer-Paid
Voluntary
5-99
1000+
$1000
$ 950
$ 900
(minimum 10)
$1200
/ family / month
$ 849 Individual
$2336 Family
$ 400 Family
LifeLock
Legal Savings
Pet Care Savings
Dental+Vision Savings
The Access Card and the Add-On vendor options.
STEP 2 ADD-ONS*
This is NOT Insurance *All prices are per month costs Some state restrictions apply.

8. Telehealth
Call anytime, consult with a U.S. doc & get a prescription written, if needed.
$0 consult fee.
Up to 70% of
medical issues can be
solved over the phone.
Telehealth services are available to you at home, work, or wherever you may be. From Teladoc – the industry leader. You can connect via telephone or online video, free of charge, with our network of physicians for informational or diagnostic consultation. This service is a convenient and inexpensive alternative to non emergent Emergency Room, Urgent Care or Physician office visits. Telehealth provides the least expensive and most convenient care. Telehealth offers 24/7 access to its proprietary nationwide network of U.S. licensed physicians for telephone and online video consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate.
Telehealth can provide medical diagnosis and treatment for common ailments such as:
Cold and flu symptoms Bronchitis Allergies
Poison ivy Pink eye Urinary tract infection
Respiratory infection Sinus problems Ear infection
Many other non emergency acute medical conditions.
* On-demand healthcare– wherever and whenever you need, as often as you need
* Access to a physician from anywhere via telephone or online, 24/7
* Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Never wait for a doctor again!
* Save money by avoiding unnecessary doctor’s office or ER visits
* Our network of physicians is U.S.-based, licensed, board-certified, rigorously credentialed and experienced
* Instant, affordable treatment for all ages - from children to senior citizens
* Powerful online health tools that empower members to lead healthier, more productive lives
* Prescriptions phoned into your local pharmacy for pickup
* HIPAA compliant and confidential
* Free Electronic Health Record (EHR) – Store, manage, and share your medical records from one central location
Disclosures
Telehealth operates subject to state regulation and may not be available in certain states.
Telehealth physicians do not prescribe controlled medications. Telehealth is not insurance. Telehealth does not replace your primary care physician.
© 2015 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Consults are not available outside of the U.S. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7am to 9pm, 7 days a week.
This is NOT Insurance Some state restrictions apply.

9. Teladoc Experience Complete medical history Request a consult
Talk with a physician
Resolve the issue
Continuity of care
How does the member experience work with Teladoc?
Simple 5 steps.
This is NOT Insurance Some state restrictions apply.

10. *Per Teladoc member reporting. Individual results may vary.
Telehealth Saves
If they didn’t use Teladoc, where
would these people have gone?
What would these visits have cost?
hhhhhhhhhh 8%
ER Visit
……………..……
$1,477/visit
42%
Urgent Care
……………..……
$163/visit
39%
Office Visit
……….……….…
$131/visit
11%
Do Nothing
………..………… $?
Unknown future cost of neglected issues
*Per Teladoc member reporting. Individual results may vary.
SHORT-
TERM
SAVINGS:
Average medical savings per call: $237
Cost of 4 hours lost productivity: $ 88
…………………………………..……………………..………………….…………………
Immediate savings/consult: $325
Multiple studies show the unnecessary visits that are treated in expensive locations.
Costs shown here are national averages per E.R. and Dr. visit.
A year’s family membership in the freshbenies Health package ($10/family/month) is depicted here. It is a very low cost – compared to the unnecessary visits.
The short term, hard-dollar savings are $325/consult.
When you consider the ongoing and broader costs, as was analyzed during the Veracity Study, the savings are double this amount.
Even just considering the Short-Term savings, with the level of usage freshbenies members have, companies more than pay for the program with these savings.
SHORT &
LONG-TERM
SAVINGS:
VERACITY study found cost of higher
ER use, readmit rates & neglected issues:
……………………………………………..……………………..………………….…………………
Actual savings/consult: $717
This is NOT Insurance Some state restrictions apply.

11. Doctors Online Get fast answers at no additional cost from specialists
via or app:
physicians, 
psychologists,
dentists, dietitians,
fitness trainers.
Doctors Online provides 24/7 access to web-based answers to medical questions from an expert team of board-certified physicians, psychologists, pharmacists, dentists, dietitians, and fitness trainers. (Other services include physician-written weekly Health Tips, two Health Risk Assessments, a 3D Video Library with access to 250+ medical topics.)
access to the eDocAmerica medical team.
Smartphone App (iPhone/Droid) access to the medical team.
* Ask any medical or health questions and always get personal, direct answers.
* 3D Video Library with more than 250 videos.
* Weekly Health Tips s from doctors.
* Healthy Lifestyle Assessment to help you monitor your current health status.
* Personal Health Record provides secure storage for your health information.
* All services are unlimited, confidential, and include the entire immediate family.
No hidden fees of any kind.
This is NOT Insurance Some state restrictions apply.

12. Doctors Online I have kidney cancer. My doctor suggests
surgery. What questions should I consider first?
I was bit by a dog while jogging. Owner says his
shots are up to date. Should I be concerned?
This is a picture of an odd-shaped growth on my arm.
Is it bad? Any ideas?
My recent blood test is attached. My white cells are low. What does this mean, & what do I do?
My knee hurts when jogging. Can I rehab it myself?
I lost my mom (& best friend) last year. I have no energy & gained 25lbs. I’m so depressed. Can you help?
Sample Doctors Online questions – of the various specialists!
This is NOT Insurance Some state restrictions apply.

13. $156 Every 4th session saves a doctor visit: The average user has
Doctors Online Value
Every 4th session saves
a doctor visit:
$156
The average user has
4 sessions / year.
The Doctors Online service save members a tremendous amount of time and money & frustration! Much more than the cost of freshbenies bundles.
This is NOT Insurance Some state restrictions apply.

14. Unbiased advice & expert guidance!
What’s Advocacy?
A health advocate helps consumers navigate “the system”: price transparency, medical care, bills, insurance, & more!
Medical Health Advisor helps members more easily navigate the complexities of the healthcare and insurance systems. Members can call a toll-free number and talk to their own Personal Health Advocate who helps work with them to resolve issues and problems that they encounter.
Highlights
One call to Medical Health Advisor and we'll help members:
•Navigate the healthcare and insurance systems
•Find the best doctors, hospitals and other providers
•Resolve insurance claims and billing issues
•Save time and money on healthcare bills
•Locate and research current treatments for a medical condition
•Obtain unbiased health information to help members make an informed medical decision
•Schedule appointments with hard to reach specialists
•Secure second opinions to provide peace of mind
•Identify renowned "best in class" medical institutions regarding a serious illness or injury
Major issues can add up to major bills! Call Medical Bill Saver™ and rest easy. Available when an incident is $400+ in out of pocket costs to the member. Experts who know the ins and outs of billing practices will attempt to negotiate discounts on your behalf. Negotiations can lead to a reduction in your out-of-pocket costs. Once an agreement is made, the provider signs off on payment terms and conditions. You’ll receive an easy-to-read personal Savings Results Statement, summarizing the outcome and payment terms.
Unbiased advice & expert guidance!
This is NOT Insurance Some state restrictions apply.

15. EMPLOYERS & EMPLOYEES SAVE TIME, MONEY & FRUSTRATION!
Advocacy saves
MEMBER ISSUE 1:
A member required care at an out-of-network ambulatory surgery center.
RESOLUTION:
Negotiation saved significant amounts off usual charges. Plus, the provider agreed to accept lower fees & not balance bill the member or the plan.
Billed Charges: $60,715
Negotiated Amount: $40,072
MEMBER ISSUE 2:
A member needed an MRI & 2 ultrasounds. Her doctor referred her to an imaging center that would cost $800.
RESOLUTION:
The member asked her Advocate if this was the best option & he found estimates with 2 other local in-network centers for $600 or $950.
Original Cost: $800
Selected Cost: $600
MEMBER ISSUE 3:
Following surgery, an employee received a large bill from a non-participating anesthesia group.
RESOLUTION:
The Advocate negotiated an arrangement that reduced the member’s responsibility.
Billed Charges: $3,275
Negotiated Amount: $2,030
34%
SAVINGS:
$20,643
3 member case studies of how 3 different parts of the Advocacy equation play out!
25%
SAVINGS:
$200
38%
SAVINGS:
$1,245
EMPLOYERS & EMPLOYEES SAVE TIME, MONEY & FRUSTRATION!
Actual costs and savings may vary by provider, service and geographic location.
Medical Health Advisor & Medical Bill SaverTM services do not replace insurance, provide medical care or recommend treatment.

16. at 60,000 pharmacies nationwide including
Prescription Savings
Rx costs are skyrocketing & fewer medications are covered on today’s plans.
Save an average of 46%
at 60,000 pharmacies nationwide including
CVS, Walgreens & more.
Save 10% to 85% on most prescriptions with the local pharmacy program.
It's simple to use. The member simply shows the membership card and prescription to the pharmacist. The pharmacist calculates the discount and the member pays the lower price. No other forms required.
* 10% to 85% savings on most short-term and acute care medications.
* Use the Online Drug Price Check Utility ( to find the price of prescriptions at participating locations by zip code.
* Over 60,000 locations, including independent, national and regional chain pharmacies nationwide.
Disclosures - Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies.
Q. What can I expect to save with this membership?
A. Prices will always vary on prescription drugs and therefore it is impossible to estimate specific dollar savings through any non-insured drug program. The Neighborhood Pharmacy program offers 10% to 85% discounts on acute care medications. Our average savings is 46%. Savings cannot be used in conjunction with other discount or insurance cards.
Q. Do I get a discount on every single drug at the neighborhood pharmacy when I use my Membership card?
A. Not necessarily. Drug stores, like hardware and grocery stores determine their own pricing structures. Due to large discounts from manufacturers, some drugs may already be priced at or below the PBM's discount price. The PBM network pharmacies have agreed to sell prescription drugs at the contract price, or their "usual retail price" whichever is lower.
Q. Why didn't I save any money at the participating local drugstore?
A. More than likely, you ordered a long-term maintenance medication versus a short-term acute care medication such as an antibiotic or pain-killer. Most pharmacies use long-term, maintenance medications as "loss leaders" and price these drugs at or below cost. They do this so that their customers will assume that all their prices are low. It's a marketing strategy. The pharmacy realizes that for long-term medications, you'll shop around in order to get the best price for a medication that you may be taking for the rest of your life. As the consumer, you are led to believe that this pharmacy has low prices on all their prescription drugs and other items. Our pharmacy program has contracted with independent and chain pharmacies nationwide to offer you a discounted price that will normally save you 10% to 85% on short term medications. However, in order to draw customers, many pharmacies opt to price their prescriptions lower than the contracted price. In this case the member gets the lower of the two. Normally, they use high profile maintenance drugs for these "loss leader" price reductions such as Prozac, Zantac, and Premarin.
Q. What if the Pharmacist doesn't recognize the card's name?
A. Always make inquiries in person and be sure to bring your card with you. When the pharmacist sees the Pharmacy Benefit Manager information on the card, the pharmacist then understands which program you are on.
* Pharmacy discounts range from
10% to 85% on most medications.
This is NOT Insurance Some state restrictions apply.

17. Great usage = this more than pays for itself
Savings per Episode
Doctors Online
Telehealth
$717/consult
$39/session
Rx Savings
Advocacy
ROI is there – as long as people use it.
Every service in the Access Card saves members money & time.
For further details, see the freshbenies Savings Report.
$100/call
$35/script
Great usage = this more than pays for itself
This is NOT Insurance Actual costs and savings may vary by provider, service and geographic location Some state restrictions apply.

18. Dental+Vision Savings
Telehealth
Doctors Online
Advocacy
Rx Savings
STEP 1 ACESS CARD
Participants
Employer-Paid
Voluntary
5-99
1000+
$1000
$ 950
$ 900
(minimum 10)
$1200
/ family / month
$ 849 Individual
$2336 Family
$ 400 Family
LifeLock
Legal Savings
Pet Care Savings
Dental+Vision Savings
The Access Card and the Add-On vendor options.
STEP 2 ADD-ONS
This is NOT Insurance *All prices are per month costs Some state restrictions apply.

19. Protect them with the best. Reduce their risk & your liability.
Employees only have
one identity.
Protect them with the best. Reduce their risk
& your liability.
Individual or family membership available.
This is NOT Insurance Some state restrictions apply.

20. & discounted legal care:
Legal Savings
Legal concerns reduce productivity & increase stress. Get peace of mind with 9 free services
& discounted legal care:
$125/hr or 40% off.
Through the
country’s largest
legal savings network.
The legal benefit is provided by a national discount legal referral service. Members are referred to plan attorneys based on location, language and area of law. Attorneys have an average of 19.4 years of experience. Plan attorneys will either charge $ per hour, or 40% off their usual and customary hourly rate, whichever is greater, for legal care that goes beyond the free and discounted services.
A national network of thousands of attorneys in all 50 states.
* Plan attorneys will either charge $ per hour, or 40% off their usual and customary hourly rate, whichever is greater.
* A 10% discount on all Contingency based cases
The referred attorney will provide members with nine free services*, which include:
* Unlimited initial phone consultations for new legal matters.
* Initial one-on-one consultations for new legal matters.
* Attorney review of independent legal documents (6 page max.) per new matter.
* When deemed appropriate by plan attorney, attorneys will write letters on member’s behalf.
* When deemed appropriate by plan attorney, attorneys will make phone calls on member’s behalf.
* Assistance in solving problems with government programs such as welfare and INS.
* Plan attorneys will help members represent themselves in small claims court.
* Free simple will with annual updates.
* A state specific, web based, free Living Will form is available to members on the website. This form can be notarized by a Notary Public.
In certain situations, attorney liability may require plan attorneys to ask for a retainer from the member prior to providing some of the free Legal Services.
This is only an outline of benefits. Please see the details page, for a complete description of benefits.
This is NOT Insurance Some state restrictions apply.

21. pet food, medications, vitamins & more.
Pet Care Savings
Save 25% on vet services & 10-35% on everything else for your pet(s): boarding, training,
pet-sitting, grooming,
pet food, medications, vitamins & more.
Thousands of
providers nationwide.
The Pet Care Savings Program saves members money on everything for their pet! All the pets in the household can use this program. The Pet Care Savings Program is not insurance. Members save 25% at network veterinarians on all medical procedures. They also save from 10% to 35% on pet products and services at participating merchants. The Pet Care Savings Program also includes a free pet ID tag and confidential 24-hour pet location service for lost pets.
* Save 25% on medical procedures with each visit to a network veterinarian.
* Save 10% to 35% at participating providers on pet services, such as: boarding, doggie day care, training, pet sitting and grooming.
* Save 10% to 35% at participating merchants on pet supplies like food, beds, toys, treats and vitamins.
* Free pet ID tags.
* 24 hour location service for lost pets.
* Available for use with most animals, from companions like dogs and cats to exotics like birds and reptiles.
Please Note: Discounts on the following are at the veterinarian’s discretion:
* Food and flea products.
* Low margin medications.
Non-medical boarding and grooming.
* Any outside services, such as lab work or outside specialists. When products are not discounted, members may still find discounts from our participating merchants.
This is NOT Insurance Some state restrictions apply.

22. brand-name glasses, & more.
Dental+Vision Savings
Save on dental & vision
out-of-pocket costs –
with insurance or not.
Including braces,
teeth whitening, LASIK,
brand-name glasses, & more.
DENTAL: The Aetna Dental Access® network provides members with discounts of 15% to 50%* on dental procedures at over 158,000** available dental practice locations nationwide. Members simply present their card bearing the Aetna Dental Access® logo, along with payment in full of the discounted fee, for immediate savings at the time services are rendered. Members will want to utilize their card and enjoy the savings time and time again. Highlights:
 In most instances, members may save 15% to 50%* on services from general dentistry and cleanings to root canals, crowns and orthodontia.
 Over 158,000** available dental practice locations nationwide.
 Save on routine dental services such as x‐rays and fillings.
 Save on specialty dental care such as orthodontics and periodontics where available.
* Actual costs and savings vary by provider and geographical area.
** According to the Aetna Enterprise Provider Database as of December 1, 2014.
• The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
VISION: Your eyes are the windows to your health. Now you and your family can see better savings at over 12,000 vision providers nationwide, including national chains and local retailers. You save 10% to 60% on glasses, contacts, laser surgery, exams and even designer eyewear.
* 20% to 60% off prescription eyewear including most frames, lenses and specialty items such as tints, coatings and UV protection
* 10% to 30% off eye exams
* Participating chains include LensCrafters, Pearle Vision, Visionworks, JCPenney, Sears, Target and more
* Your eye doctor not in our network? The nomination process is a breeze!
10% to 40% off contact lenses through America’s Eyewear mail order service - the lowest contact lens prices
15% to 40% eyeglasses and sunglasses through FramesDirect.com
40% to 50% off the national average cost of LASIK surgery
: 158,000* providers
: 20,000 providers
* As of December, 2014.
This is NOT Insurance Some state restrictions apply.

23. with all state regulations
Telehealth compliant
with all state regulations
This new map with restrictions is as of June 2015.
This is NOT Insurance Revised July 2015

24. Dental+Vision Savings
Telehealth
Doctors Online
Advocacy
Rx Savings
STEP 1 ACESS CARD
Participants
Employer-Paid
Voluntary
5-99
1000+
$1000
$ 950
$ 900
(minimum 10)
$1200
/ family / month
$ 849 Individual
$2336 Family
$ 400 Family
LifeLock
Legal Savings
Pet Care Savings
Dental+Vision Savings
The Access Card and the Add-On vendor options.
STEP 2 ADD-ONS
This is NOT Insurance *All prices are per month costs Some state restrictions apply.

25. What Members Get Questions? Member Services 7-7 M-F 8-5 Sat CST
What do members get?
Member Packet
These are personalized for each member. It includes an Info Booklet explaining the services, and two plastic cards.
Member Services:
Any questions post-sale regarding how to use the services, or if there are any member data issues (hey, did you spell a name wrong?) – call our Member Services!
Materials and service available in English or Spanish!
*Spanish, too!

26. Member Portal
LIFELOCK
DOCTORS ONLINE
Our new website has a Member Portal so the member can dive into and launch all the benefits they specifically have on their card.
Such as logging in, linking to Teladoc, and creating their health profile!
It’s even built on a “Responsive” platform, so it adjusts when members view it from an iPad/tablet or a Smart Phone.

27. Member Applications
LIFELOCK
DOCTORS ONLINE
For the member who wants to use their services on their smartphone, they can link through to the Apps directly through the Member Portal.

28. Engagement + beniebuzz flyers social media
We have shown that our Engagement Program works to get employees activated. It doubles usage!
beniebuzz s
Every member who we receive an address for will be sent the “beniebuzz” s. The first will be sent a couple weeks into their membership – it highlights the need to set up their Teladoc profile, and Q&As around using Teladoc. After that, they come on a monthly basis. The set of benefits promoted in their will match the benefits in their card.
Promotional Flyers
To help employers educate members on using these services (and managers on how to discuss this with employees) – we have a wide range of flyers / posters.
Social Media
For your employees who prefer interacting via facebook, LinkedIn or Twitter - - we are happy to oblige. We’ll have some fun along the way, too!

29. *If Core BuyUp or Voluntary
Simple Setup / Admin
Electronic List Bill
& Census +
Payroll
Deduction
*If Core BuyUp or Voluntary
This will likely be the simplest carrier setup the employer does.
It merely requires a one-page form (completed with an e-signature) and a census of the employees getting the card.
Note we only need employee information – because we send a family packet to everyone, and they add their family members afterwards.
There is a (new) second tab on the spreadsheet – with instructions on how to complete the census. Simple!
If the group is offering the add-ons as an option (“core buy-up”), or if the whole program is pure voluntary, we have a one-page form for the employee election.

30. Questions? all in one easy-to-use card! Take the headache out of
healthcare (and more)…
all in one easy-to-use card!
Questions?