Most Affordable Healthcare Plan For Every Employer And Americans
Transcript of Most Affordable Healthcare Plan For Every Employer And Americans
Presented by
WaveFront Brokerage Services
Welcome to Cloud Based Telemedicine Solutions
Revolutionizing Healthcare Access & Delivery
NOTE: This is NOT a Nurse Help Line
UNLIMITED24/7 Access to Doctors
Licensed, Board Certified & reside in the USCredentialed using NCQA standardsAvailable by phone, video, or email
Diagnose, prescribe, informService available in all 50 states
Less than $15/month…for the ENTIRE family!
Plus, Electronic Medical Records
Of USA’s GDP will be spent on healthcare by 2017US Health & Human Services Dept.
Of the time Doctors offices are closed during week
Average wait time to make a doctor appointment
Average wait time in physician’s waiting room
Some Key Stats…
19.5%
76%
3 weeks
23min.
Did You Know…
Top 3 ER visits in 2012 were Ear, Sinus, Upper Respiratory Infections
Not broken bones or car accidents American Medical Association
Did You Know…
4 of 5 of all ER, urgent care, and doctor office visits could be better handled over the
phone…safely and effectively.
American Medical Association
Did You Know…
92% of consultations with CADRPlus doctors are
resolved without the need for a follow-up.
89% of healthcare executives believe telemedicine will
transform healthcare.
The Solution:
Revolutionizing Healthcare Access & Delivery
• UNLIMITED, 24/7 Access to DoctorsNO additional charges; NO limits to how many times you use it; 24/7/365 day access
• Convenient, on-demand, anywhere• Comprehensive
For the body & mind – work issues, stress issues als o included
• Best in class care, services, technology• Low monthly cost
At less than $15/month for entire family virtually everyone can afford
The lowest cost, highest impact soluction to many of the issues plaguing the healthcare system today.
Simply put…
The lowest cost, highest impact solution to many of the issues plaguing the healthcare system.
The lowest cost, highest impact soluction to many of the issues plaguing the healthcare system today.
So, how does this program work?
= +
Member Benefits
Access to a nationwide network of 5,000+ licensed, board certified doctors & specialists anytime, anywhere – day or night; no one is denied, and there is no waiting, period.
Multiple Ways to ConsultCADR+ provides a technology and service platform which allows
patients & members to consult with physiciansvia Telephone, Mobile APP, Video, On-line, Email & Text,
on an immediate basis, 24/7/365
Give them a call and you will be connected within 2 minutes!
Multiple Ways to Consult
SAVE TIMESAVE TIME
Diagnostic & Wellness Testing In 3 Steps:
Order Test
�Select wellness panel
�Complete order online
�Approval in as little as 30 minutes
Go to Lab
�Receive notification of lab requisition
�Print online lab order
�Visit local lab
�Get tested
Get Results
�Receive notification
�View results online
�Consult with a doctor immediately about results
�Send results to your Doctor
SAVE TIME SAVE MONEYREPLACE UP TO 2 DOCTOR VISITS PER TEST
Average physician response time
Average consultation duration
Avoided a doctor office visit, Urgent Care or ER visit
QA follow up with patient, within 72 hours of consult
Reported being very satisfied with their consult (highest in the industry)
Key Stats…
22min
15+min
92%
100%
97%
Member Benefits
Resources For Living Employee Assistance Program (EAP)
• Customized EAP, Work/Life & Concierge Services supporting all facets of your life.
• UNLIMITED telephonic consultation.• 24/7 access to vetted life coaches, counselors & professionals
handling issues such as crisis counseling, legal, financial, ID theft, life coaching & work issues.
• 100% private, confidential• Tailored for personal needs, plan of attack• 170 languages supported• Online Resource Center
Member Benefits
PATIENT ADVOCACY• The Karis Group• For hospital and medical balances $2,500 and up• Negotiates on your behalf to reduce balance; set up a
payment plan; or establish final payment• Drives down cost significantly (national average cost savings 30%)
Resources For Living
How it Works: Give it a TRY!Phone Number
1-877-856-1788Website
www.mylifevalues.comLogin: CADRPdemoPassword: demo
Pick Your PlanFamilies & Individuals
Unlimited, 24/7 AccessIndividual Enrollment
Credit Card or Bank PaymentUp to 6 Family Members
$14.95/month
Employee Voluntary
Unlimited, 24/7 AccessMultiple Employee Groups
Opt-In Enrollment/Payroll DeductUp to 6 Family Members
$12.95/month
Employer Sponsored
Unlimited, 24/7 AccessMultiple Employee GroupsWhole Group EnrollmentUp to 6 Family Members
$10/month
NO Underwriting, ALL Qualify – Pre-existing Conditions Included
Employer Cost Savings The savings for an employer comes by way of five components:1. Through employee utilization and participation fewer claims are paid and
therefore less insurance is used. This impacts cost differently depending on the plan the employer is providing to his employees.a) If you are self insured with a stop loss, every month you are paying
your own claims up to the cap. Even if your claims are small one month you continue to pay in the larger amount creating a reserve for unknown future use. CADR+ impact: Reduction in claims via CADR+ means less to payout and less to reserve, the impact is immediate.
b) If you are fully insured, less insurance is used annually. CADR+ impact: At the end of the year the insurance company’s rate renewal will effect the reduction in insurance used and therefore the rate renewal will be less.
Employer Cost Savings
2) Part of insurance cost is driven by administration. There is a cost to administer claims regardless of size. The reason why higher employer deductible plans are less expensive than lower deductible plans is because of the claims administration. Higher deductible plans mean fewer claims to administer. CADR+ impact: Using the CADR+ system eliminates a substantial portion of the number of claims to administer providing cost savings.
3) Productivity and fewer hours missed from work. We know that people will take time off to see a doctor when sick for either themselves or a family member. Typically we compute that to be a half day or 4 hours. CADR impact: We are confident that time-off is reduced through the convenience and immediacy of telemedicine.
Employer Cost Savings
4) Wellness in general. CADR+ impact: Early medical intervention means better medical results, which computes to a healthier more productive workforce. This is the foundation of all the wellness programs in the marketplace. The difference with CADR+ is that it doesn’t require long term behavioral change to take place to affect cost. Cost can be affected immediately through it’s use.
5) 45% of all employee absences are driven by some mental debilitation/problem; yes we can get sick when we are stressed and dealing with non work related problems. CADR+ impact: The ability to speak with a licensed clinical social worker 24/7 and unload those burdens will keep people healthier and more productive. People do come to work distracted and in a funk….CADR+ can help them through their personal, financial or legal problems with just a phone call.