Cardiac Output, Venous Return, and Their Regulation
America's Most Affordable Healthcare Plan
1. Cloud Based Telemedicine Solutions
Revolutionizing Americans’ Healthcare
Access & Delivery
Presented by
WaveFront Brokerage Services
2. The System Is Broken
It doesn’t matter who Presented by we’ve all felt the pain
you are,
of the current healthcare system and we feel in the
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core of our being that there has to be a better way!
3. According to a recent MetLife study…
Two thirds of bankruptcies today stem from medical debt.
Of those, 78% had medical insuranceby went bankrupt any way due
Presented but
to preexisting conditions, out-of-network visits, high co-pays or
services not covered under their insurance.
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Many people may be covered by health insurance themselves but
unable to afford the cost of cover their entire household which can
again create a ton of exposure to financial strain
Bankruptcy issues severely affect the workforce – producing poor
work, more time off, emotional problems and more
4. 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
75 to Of Doctor’s visits originate from stress factors
90%
5. Did You Know…
Top 3 ER visits in 2012 were
Ear, Sinus, Upper Respiratory
Infections
Not broken bones or car accidents
American Medical Association
6. 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
7. 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.*
Cell Phone Medicine
http://www.msnbc.msn.com/id/21134540/vp/50582822#50582822
8. Understanding the Telehealth
Landscape
There are 3 main providers of telemedicine services:
Virtually every other company offering telemedicine benefits is a ‘white-labeled’
carrier for one of these 3 providers Presented by
such as:
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There are some significant differences in the
platforms, plan offerings, quality of services, and cost.
9. • Low-PEPM of $2 - $5 (Physician • Employee + Family $30/month • Employee + Family $10/month
consult = $38/consult; Wellness (Unlimited usage; no fees) (Unlimited usage; no fees)
consult = $27/consult)
• 2 - 12% utilization rate • 18 % utilization rate • 26+% utilization rate
nationally (lowest in nation)
• Avg. Physician response time: • Avg Physician response time: • Avg. Physician response time:
up to 3 hrs. 24 mins. 90 secs.
• Consultations available by • Presented by
Consultations available by • Consultations available by
telephone only after going telephone, internet and video. telephone, internet, video, sma
online prior. WaveFront Brokerage Services rt phone app, secure
email, chat, and text msg.
• No recording of consultations • Record consultations and post • Record consultations and post
to personal health record. to personal health record.
• SureScripts Access – No. • SureScripts Access – No. • SureScripts Access – Yes.
• Secure Email Consultations – • Secure Email Consultations – • SecureEmail Consultations –
No. No. Yes.
• 2,000 GP Physician network (not • Nation’s largest physician
• Very modest physician
enough physicians to handle current network; includes specialists
network (reason physician rate of enrollments) (ONLY Physician Network equipped to
response time slowest) handle current rate of enrollments).
10. Key Differentiators Between CADRPlus and the Competition
The lowest cost, highestphysician? Because we understand that members
1. How can members connect with a
impact soluction to many of
the issues plaguing we havehealthcarethem to connect to CADR. They
use technology differently the multiple ways for system today.
can call our care center; request a call from a physician via the member portal, secure
email, chat, video, mobile application and, of course, telephone. Others require that
members go online first; we understand that not all will have access to a computer or
the internet so this is not a requirement.
2. Education/Communication: Driving utilization is what makes us superior to our
competition. Across our book of business, CADR boasts a 26+% utilization rate for clients
that have been with us for at least 12 months. We will work with your company to
understand how to best work with your different employee populations. This can
consist of email blasts, phone mail messages, mailers, hard copy flyers, posters, etc.
3. A member can be on the phone with one of our physicians in less than 90 seconds.
When deciding whether to go to a higher cost setting or whether a condition can be
handled via telemedicine this is key. No other telemedicine company has this
functionality.
11. Key Differentiators Between CADRPlus and the Competition
The lowest cost, highest impact soluction to many of
the issues only telemedicine organization that has thesystem today. all
4. We are the plaguing the healthcare unlimited plan which includes
consultations.
5. We are the only telemedicine organization that records all consultations and attaches it
to the personal health record of our patients. We do this not only for patient history
but as a tool for quality control.
6. We are the only telemedicine organization that has access to SureScripts which allows
us to see 24 months of prescriptive history for our patients. This is available whether or
not the prescription has been prescribed through CADR or another physician.
7. CADR physicians have access to the patient’s formulary through SureScripts.
8. We provide secure email consultations; Teladoc does not.
12. TELEHEALTH IS THE ANSWER AND CADR+
IS THE VERY BEST BUNDLE AVAILABLE!
• It’s convenient – 24/7 access from anywhere
• It’s unlimited – no hidden fees or per-use charges
• It’s easy – just call or click and you’re connected
• It’s quality – Masters- level Clinicians, US Board Certified Doctors, Vetted
Partners/Resources
• It’s proven – our partners have over 3 million members and counting
• It’s comprehensive – for the body, mind and pocket book
• It’s affordable - $15/mo. PMPM for individuals; $10/mo. for groups
13. 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 all
Employers, Employees and the healthcare
system.
15. So, how does this program work?
The lowest cost, highest impact soluction to many of
the issues plaguing the healthcare system today.
+
=
+
16. Access to the nation’s premiere and largest network of 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 students
& staff to consult with physicians
via Telephone, Mobile APP, Video, On-line, Email & Text,
on an immediate basis, 24/7/365 AND receive a refill or
prescription for their illness…ready when they are!
Give them a call and you will be connected within 2 minutes!
18. More Quality Time
Average time spent with a Doctor
during a traditional office visit is
only 4 minutes
Average time spent with a
Doctor during a
Consultation is over 15 minutes
19. National Telemedicine
Physician Network
Telemedicine Services
Enterprise Platform PLUS CADR’s National
Network of Primary Care Physicians
50 State PCP Provider Network
U.S.-based, Board Certified/Eligible
Credentialed to NCQA Standards
170 Languages Supported
On-Demand (24/7) Via Secure Phone, Web
(Video/Email) or Mobile App
Additional Specialties Now Online:
Pediatrics, Cardiology, OB/GYN
Mental Health, Endocrinology
20. Quality Assurance
& Patient Safety
Continuous Quality Improvement process as a tool to monitor, analyze and
improve the medical care delivery mechanisms practiced by Consult A Doctor
physicians
100% of consults are documented and recorded; controlled substances never
prescribed
Regular CQI Medical Records Reviews are performed consisting of at least 3
initial priority consultations for each new doctor and at least 10% of
randomly selected priority consultations per week for existing physicians
Weekly CQI Audio Recording Reviews consisting of 3 initial priority
consultations for new doctors and 2 random priority consultations for
existing doctors per week
21. 9 Most Common Reasons People Visit a
Doctor, Urgent Care or Emergency
1. Allergies
Doctors 2. Bronchitis
address 3. Earache
4. Sore Throat
the top 9 most
5. Pink Eye
common
6. Sinusitis
reasons for a
7. Strep Throat
visit to the 8. Upper Respiratory Infections
doctor 9. Urinary Tract Infections
AND MORE!
22.
23. Employee Experience
Provide CADR+
Call CADR+ to
medical schedules call
request a with an
consultation history appropriate doctor
Doctor reviews
the online patient
Member
history and calls
receives
the member*
follow-up
survey call
If prescription is
Doctor updates required Doctor
Call recording
EMR with calls in Rx to
is posted
consultation member’s choice of
notes pharmacy
*Average on-call response time by a physician is 2 minutes! Fastest in the nation.
24. Member/Patient Portal
+ HIPAA Compliant
+ Web-based for convenient access
+ Simple to use
+ Electronic Medical Records
+ Send emails to doctors
+ Upload pictures to send to Doctor or for reference
+ View Doctor’s notes and follow-up communications
immediately after consultation
+ All calls and video consultations are recorded and
stored for accurate history and reference
25. My Message Center
Send and receive secure emails
to a licensed physician for
My Consult Center confidential and convenient
information. Receive lab
Schedule appointments, e-mail a requisitions and results.
doctor, store and forward your medical
history to your primary care physician
and more.
My Health Center My Symptom Checker
Symptom Checker, Health Evaluate symptoms and
Library, Interactive Health Tools
recommend treatment options
26. – Mobile Apps
My Health Center
First Aid
Medications
Medical Tests / Labs
Wellness
Chronic Condition Management
Challenges
Rewards
Support Groups
27. ePrescriptions
Features / Benefits
Electronic prescribing
Less errors
Surescripts
RX history
Med2Med
interaction
Decision support
Evidence based
Pharmacy of choice
By
home, work, hot
el, school
Less wait
Formularies
Insurance
Documented in EMR
Reported to PCP/Plan
28. Follow Up/Referral
Post Consult Benefits
Follow up care
instructions
Telemedicine
consultations
In-person referrals
Patient education
Scheduled
messages/reminders
Diagnostic labs
Health tracking tools
Health risk assessments
Coding
CPT
ICD-9
29. Follow Up/Referral
Through the use of next-stage technology
CADR partners with Payers to enhance and
support their care management and cost
containment approach
Data integration between CADR and Payer
provides health related information to
providers and patients at the point of care to Data Sources
improve clinical outcomes Paid Claims Data
Laboratory Results
CADR’s data warehouse serves as the
Prescriptions
central repository of data derived from
Health Risk Assessments
numerous sources Evidence – Based
Raw data becomes critical information Clinical Guidelines
readily available to effectively manage care Member & Provider
Communications
30. Key Stats…
2 Average on call 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
98% Reported being very satisfied with their consult
(highest in the industry)
31. Member Benefits
Resources For Living
Employee Assistance Program (EAP)
• Customized EAP (Employee Assistance Program), 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
32. 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 are 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.
33. TELEPHONIC CONSULTATION
Unlimited access
Masters-level clinicians
Available 24/7
Live Answer
Confidential Service
170 Languages
Crisis Support
34. LEGAL & FINANCIAL SERVICES
Telephonic or face to face attorney consultations*
Domestic/family, civil, landlord/tenant, criminal, estate planning, immigration,
motor vehicle, etc.
Free online will for all eligible dependents
Simple Wills, Power of Attorneys, Living Wills
Telephonic financial consultations*
Tuition/investment/tax planning, 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
35. 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 50%)
36. Surgery Saver
Designed for self-insured
employers. We shop prices for
surgery procedures and suggest
lowest cost/best value for
comparable services before the
surgery takes place, providing
Plan Member with a brief
summary of available options.
Metrics: typical 300-400% ROI
37. Resources For Living
How it Works: Give it a TRY!
Phone Number
1-877-856-1788
Website
www.mylifevalues.com
Login: CADRPdemo
Password: demo
38. A free prescription and health care discount card
that provides access to savings on a wide range of
health care products and services, including
prescription drugs, lab tests, vision care and dental
care.
39. SIGNIFICANT SAVINGS
• Pharmacy Savings – save up to 65%
• Dental Care – save up to 50%
• Vision Care – save up to 50%
• Hearing – save up to 15%
• Lab Savings – save up to 60%
• MRI & Imaging – save up to 70%
• And more!
40. Pick Your Plan
Families & Group Group
Individuals Voluntary Sponsored
Unlimited, 24/7 Access Unlimited, 24/7 Access Unlimited, 24/7 Access
Individual Enrollment Multiple Groups Multiple 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
41. Benefits of
Your + High value benefit for low cost
+ Less hours missed for doctor appointments
Company +
+
Fewer sick days taken
Healthier workforce
+ Easy for your employees to address health
needs
+ Measurable reductions in healthcare costs
healthier employees
+ Reductions in health risk factors
better quality of work
fewer missed days + Improved employee awareness and
higher productivity engagement
workplace wellbeing
42. 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.
43. 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.
44. 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.
45. Cloud Based Telemedicine Solutions
Thanks for the opportunity to share this
great program by
Presented with you!
WaveFront Brokerage Services
Need to know more?
Consult with your local broker/agent