Welcome to CADR+Healthcare the way it should be!Updated: July 31st, 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, email 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 ConsultationsVia Phone, Web (Video/Email) and Mobile Apps

Symptom CheckerInteractive questionnaires designed to narrow down condition or illness

Health Risk AssessmentInteractive health tools identify health risks and promote wellness

Wellness ToolsPromote 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 ToolsPrograms 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 PrescribedCommon 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.

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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: http://cadr.biz/AADQvChris 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 RESOURCESThere 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 WELLBEINGA 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, email, 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 AccessMultiple ways to

Consult 24/7

Lowers CostAvoid high cost settings like the Doctor’s office,

Urgent Care/ER

Care Coordination24/7 consultations

Clinically efficient, effective and most convenient

Quality CareQualified professionals that

can provide information, diagnose and prescribe

Rx medication*

* If appropriate

Phone, Email, Video, Mobile Application

Save TimeSave Money

Reduce Absenteeism

Get Information/Diagnosis Anytime,

Anywhere 24/7

Get Well FastAffordable Cost Setting

Better Outcomes

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THANK YOU!!