1. Wellness Health Solutions
Market Opportunities
The State of Healthcare
Suite of Benefits
Pricing & Commission Structure
How We Support You

2. Wellness Health Solutions
• Built a program to support brokers with a one-
stop business model
• Offers a suite of benefit plans to help
employers control healthcare cost
• Brokers are supported 24/7 and compensated
above industry standards

3. The Market Opportunity
• Healthcare costs has more than doubled the
past decade
• Employers are reducing benefits
• Employees are being hit with first dollar
exposures
• Cost sharing of health premiums increasing

4. Milliman (MMI) Index

5. MMI: Cost By Source of Payment

6. MMI: Components of Spending

7. Healthcare Reform: What It Means
• Government regulation and mandates
• Commission reduced or eliminated altogether
• Brokers forced to expand their offerings into
other product lines to protect revenue
• 30+ million more consumers into an already
overburdened system

8. Healthcare Reform Issues
• Shortage of physicians
• Longer delays
• Increased absenteeism
• Decreased productivity
• Ignored symptoms will result in more
expensive care which will increase premiums

9. Employer Problems
• Healthcare out-pacing inflation 2:1
• Premiums increasing without any control
• Claim filings increasing causing higher
premiums
• Employee benefits being cut
• Healthcare reform limiting benefits

10. There is a Solution
• We help control costs and premiums by
focusing on the two key healthcare cost
drivers:
– Doctor/Urgent Care/ER visits
– Prescription drugs
• By utilizing Telemedicine and our Pharmacy
Savings Card we can help control costs

11. The Game Changer: Telemedicine
Members have access to a board certified
U.S. based physician 24/7/365 who can
diagnose and treat non-emergency,
routine medical conditions. Physicians
can prescribe medication and access the
service via phone, email, or bi-directional
video.

12. The Benefits of Telemedicine
• Controls claim loss
• Reduces absenteeism
• Increases productivity
• Benefit options to employers
• More benefits to employees
• Controls premiums

13. Telemedicine Facts
• Experienced in Primary Care, Internal Medicine or Emergency Room Practices
• Fully Credentialed by the NCQA
• 80% of doctor visits are for non-emergency conditions
• 15% of emergency room visits are for non-emergency conditions
Common Conditions treated:
 Cold/flu
 Sore Throat
 Sinus and Respiratory
 Fever
Telemedicine can significantly reduce non-emergency visits
resulting in huge savings!

14. Doctor Visit: Current Situation
Set up appointment
Miss two days of work
Wait at doctor’s office with other sick Missed multiple days of work
people Spent time in doctor’s office
See doctor for five minutes Co-pays
Prescribes medication Claim against insurance
Pay co-pay (claim against insurance) or
$120 bill if you don’t have insurance
Pick up medication
Miss additional day of work
Return for follow-up visit

15. Telemedicine: The Alternative
• Call Consult A Doctor • Miss one day of work
• Medication prescribed • No exposure to sick
• Pick up medication people
• Miss one day of work • No cost for visit
• No insurance claim to
file

16. Consult a Doctor ROI
NUMBER OF EMPLOYEES
100
UTILIZATION
25% 33% 50% 75%
REDUCED OFFICE VISITS 118 156 236 354
MONTHLY INVESTMENT REDUCED ER VISITS 4 5 7 11
$1,000
OFFICE VISIT SAVINGS $11,789 $15,561 $23,578 $35,366
ER VISIT SAVINGS $3,645 $4,811 $7,290 $10,935
PRODUCTIVITY SAVINGS $5,013 $6,617 $10,026 $15,040
ANNUAL INVESTMENT TOTAL SAVINGS $20,447 $26,990 $40,894 $61,341
$12,000 TOTAL RETURN ON INVESTMENT $8,447 $14,990 $28,894 $49,341

17. Consult a Doctor ROI

18. Pharmacy Facts
• In the U.S. in 2008 spending for prescription drugs was more that doubled
what was spent in 1999
• Over the last decade the percentage of Americans who took at least one
prescription drug in the past month increased by 10%
• The use of multiple prescription drugs increase by 20% and the use of five
or more drugs increased by 70%
• One out of every five children used at least one or more prescription drugs
compared with nine of every 10 adults aged 60 and over.
• More than 30 million individuals in the US do not have access to PBM
wholesale pricing
• The trend in the healthcare industry shows fewer drugs being covered by
insurance and more individuals required to pay a high deductibles

19. dataRx: Our Pharmacy Partner
• Founded in 1998
• Owned by independent pharmacists
• Processes more than three million prescriptions a month
• Available for use in all 50 states, Guam, and Puerto Rico
• More than 25 million pharmacy savings cards in
circulation
The Pharmacy Savings Card is not Insurance.

20. Comparison of Rx Cards
The Pharmacy Savings Card is not Insurance.

21. Our Pharmacy Card
• Covers all prescriptions except controlled substances
• Offers an interactive Price Look-up Tool
• No claims to file
• Only card that pass on the rebates to the consumer
• Save 11-75% on prescription drug purchases, with an
average saving of 53%
• More than 33,000 prescriptions under $7
• Accepted at more than 65,000 pharmacies
The Pharmacy Savings Card is not Insurance.

22. Participating Pharmacies
The Pharmacy Savings Card is not Insurance.

23. Price Look-up Tool

24. Price Control is Our Bottom-line
• Promoting consumerism by adding look-up
tools to lower prescription cost
• Covering all prescriptions
• No claims to file against insurance which helps
control premiums
• Direct rebates to consumer

25. Controlling Utilization
• Implementing a program to control usage of
benefits Call First Policy™
• Interactive return-on-investment (ROI)
calculators for employers
• Year-end reports showing annual savings

26. Call First Policy™
• Call First Copy.

27. Health Savings Promotion

28. Other Healthcare Benefits
• Dental
• Vision
• Hearing
• Lab and X-ray
• Galaxy Network
• Medical Health Advisor
• EAP
These benefits are built into our Benefits Packages to help control preventive care cost.
These benefits use best in class networks and promote consumerism. We have included
a Provider Look-up Tool on our Website for members to easily locate a doctor in the
network.

30. Commission Structure

31. One Stop Business Solution
• Sales Center
• Call center with LiveChat
• Live training Webinars
• On-demand sales collateral printing
• Mailing and fulfillment
• Website and email marketing support
• Back office/workflow integration

32. Wellness Sales Center