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WaveFront Brokerage Services
Welcome to
                            Cloud Based Telemedicine Solutions

     Revolutionizing Healthcare Access & Delivery

                                   UNLIMITED
                             24/7 Access to Doctors
                           Licensed, Board Certified & reside in the US
                               Credentialed using NCQA standards
                               Available by phone, video, or email
                                   Diagnose, prescribe, inform
                                 Service available in all 50 states
                             Less than $15/month…for the ENTIRE
NOTE: This is NOT a                          family!
         Nurse Help Line        Plus, Electronic Medical Records
Some Key Stats…

19.5% Of USA’s GDP will be spent on healthcare by 2017
        US Health & Human Services Dept.


 76%    Of the time Doctors offices are closed during week

 3    Average wait time to make a doctor appointment
weeks
 23
 min.
        Average wait time in physician’s waiting room
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 Doctors
    NO 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 also included
• Best in class care, services, technology
• Low monthly cost
    At less than $15/month for entire family virtually everyone
    can afford
Simply put…

The lowest cost, highest impact soluction to many of
the issues plaguing the healthcare system today.



The lowest cost, highest impact solution to
many of the issues plaguing the healthcare
system.
So, how does this program work?

The lowest cost, highest impact soluction to many of
the issues plaguing the healthcare system today.

                          =           +
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 Consult
  CADR+ provides a technology and service platform which allows
          patients & members to consult with physicians
    via 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
Diagnostic & Wellness Testing In 3 Steps:

           Order Test                Go to Lab               Get Results



  Select wellness panel     Receive notification      Receive notification
                           of lab SAVE TIME
                                  requisition
  Complete order                                      View results online
 online                     Print online lab order
                                                      Consult with a doctor
  Approval in as little     Visit local lab          immediately about
 as 30 minutes                                       results
                            Get tested
                                                      Send results to your
                                                     Doctor

       SAVE TIME                SAVE MONEY
      REPLACE UP TO 2 DOCTOR VISITS PER TEST
Key Stats…

  2    Average physician response time
min

15+
min
       Average consultation duration

92%    Avoided a doctor office visit, Urgent Care or ER visit

100% QA follow up with patient, within 72 hours of consult

97%    Reported being very satisfied with their consult
       (highest in the industry)
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
  1-877-856-1788
Website
   www.mylifevalues.com
   Login: CADRPdemo
   Password: demo
Pick Your Plan
     Families &                       Employee                       Employer
     Individuals                      Voluntary                      Sponsored
  Unlimited, 24/7 Access           Unlimited, 24/7 Access         Unlimited, 24/7 Access
   Individual Enrollment         Multiple Employee Groups        Multiple Employee Groups
Credit Card or Bank Payment   Opt-In Enrollment/Payroll Deduct   Whole Group Enrollment
 Up to 6 Family Members           Up to 6 Family Members         Up to 6 Family Members

   $14.95/month                    $12.95/month                      $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.

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Most Affordable Healthcare Plan For Every Employer And Americans

  • 2. Welcome to Cloud Based Telemedicine Solutions Revolutionizing Healthcare Access & Delivery UNLIMITED 24/7 Access to Doctors Licensed, Board Certified & reside in the US Credentialed using NCQA standards Available by phone, video, or email Diagnose, prescribe, inform Service available in all 50 states Less than $15/month…for the ENTIRE NOTE: This is NOT a family! Nurse Help Line Plus, Electronic Medical Records
  • 3. Some Key Stats… 19.5% Of USA’s GDP will be spent on healthcare by 2017 US Health & Human Services Dept. 76% Of the time Doctors offices are closed during week 3 Average wait time to make a doctor appointment weeks 23 min. Average wait time in physician’s waiting room
  • 4. Did You Know… Top 3 ER visits in 2012 were Ear, Sinus, Upper Respiratory Infections Not broken bones or car accidents American Medical Association
  • 5. 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
  • 6. 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.
  • 7. The Solution: Revolutionizing Healthcare Access & Delivery • UNLIMITED, 24/7 Access to Doctors NO 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 also included • Best in class care, services, technology • Low monthly cost At less than $15/month for entire family virtually everyone can afford
  • 8. Simply put… The lowest cost, highest impact soluction to many of the issues plaguing the healthcare system today. The lowest cost, highest impact solution to many of the issues plaguing the healthcare system.
  • 9. So, how does this program work? The lowest cost, highest impact soluction to many of the issues plaguing the healthcare system today. = +
  • 10. 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 Consult CADR+ provides a technology and service platform which allows patients & members to consult with physicians via 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!
  • 11. Multiple Ways to Consult
  • 12. Diagnostic & Wellness Testing In 3 Steps: Order Test Go to Lab Get Results Select wellness panel Receive notification Receive notification of lab SAVE TIME requisition Complete order View results online online Print online lab order Consult with a doctor Approval in as little Visit local lab immediately about as 30 minutes results Get tested Send results to your Doctor SAVE TIME SAVE MONEY REPLACE UP TO 2 DOCTOR VISITS PER TEST
  • 13. Key Stats… 2 Average physician response time min 15+ min Average consultation duration 92% Avoided a doctor office visit, Urgent Care or ER visit 100% QA follow up with patient, within 72 hours of consult 97% Reported being very satisfied with their consult (highest in the industry)
  • 14. 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
  • 15. 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%)
  • 16. Resources For Living How it Works: Give it a TRY! Phone Number 1-877-856-1788 Website www.mylifevalues.com Login: CADRPdemo Password: demo
  • 17. Pick Your Plan Families & Employee Employer Individuals Voluntary Sponsored Unlimited, 24/7 Access Unlimited, 24/7 Access Unlimited, 24/7 Access Individual Enrollment Multiple Employee Groups Multiple Employee Groups Credit Card or Bank Payment Opt-In Enrollment/Payroll Deduct Whole Group Enrollment Up to 6 Family Members Up to 6 Family Members Up to 6 Family Members $14.95/month $12.95/month $10/month NO Underwriting, ALL Qualify – Pre-existing Conditions Included
  • 18. 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.
  • 19. 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.
  • 20. 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.