Expert Medical Opinion Program Make access to exceptional care easier

The HIGH cost of diagnostic and treatment errors Up to 36% of diagnoses are delayed, missed or wrong. Diagnostic errors account for almost $40 billion in annual insurance claims Up to 4 in 10 conditions Are misdiagnosed or mistreated 28% of overall medical care is not needed. Sources: Up to 36% of diagnoses are delayed, missed or wrong. Berner ES, Graber ML. Overconfidence as a cause of diagnostic error in medicine. Am J Med. 2008;121(5 Suppl):S2-23. Singh H, Giardina TD, Meyer AN, et al. Types and origins of diagnostic errors in primary care settings. JAMA internal medicine. 2013;173(6):418-425. 28% of overall medical care is not needed, including about a quarter or tests, more than a fifth of prescriptions and more than a tenth of procedures. Lyu, Heather Xu, Tim, et al. Overtreatment in the United States, PLOS One, September 6, 2017 https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0181970 Diagnostic errors account for almost $40 billion in annual insurance claims. Johns Hopkins Medicine https://www.hopkinsmedicine.org/news/media/releases/diagnostic_errors_more_common_costly_and_harmful_than_treatment_mistakes Up to 4 in10 conditions are misdiagnosed or mistreated. Elizabeth A. McGlynn, PhD; Steven M. Asch, MD, MPH; et al. "The Quality of Healthcare Delivered to Adults in the United States," New England Journal of Medicine2003;348:2635-2645. https://www.scientificamerican.com/article/demand-better-health-care-book

17+ years The right partner for expert medical opinions world-class Advanced data analytics and multi-channel communications Access to world-class specialists, academic centers and Centers of Excellence Cost of remote opinions included in program fee 17+ years of experience navigating the healthcare system and locating the right quality specialists for second opinions (in-person and remote) Expert medical opinions fully integrated with comprehensive health advocacy service (clinical + administrative) End-to-end support & seamless member experience Expanded eligibility: employees, spouses, dependents, parents and parents-in-law

National Network of Leading Academic Centers & Centers of Excellence

High touch guidance to the right care and treatment Unlimited access to Health Advocate’s clinical team. End-to-end care coordination Ongoing collaboration with members’ treating physicians Ongoing treatment decision support Pre-visit testing Post-appointment follow-up

One call or click finds the right high-quality, in-network experts Thorough clinical intake including medical history and treatments to date Rigorous, detailed search of specialists, Academic Centers and Centers of Excellence nationwide Contact providers and make appointments Transfer medical records Ongoing follow-up support

State-of-the-art data analytics sends the right messages at the right time Communications, including a mailing and raffle, to promote online registration Push notifications and email reminders help promote second opinions Ongoing promotional materials (including outbound emails) This slide applies only to data clients who have 5,000+ EEs

Backed by complete health advocacy support We’ll save employees time, money and worry Avoid costly mistakes by clarifying benefits and out-of-pocket costs Alleviate uncertainty by explaining medical conditions, treatments and tests Save money by reviewing medical bills and resolving claims and billing issues

Comprehensive Reporting Utilization Reports Awareness mailings Registrations Outbound personalized communications Cases by condition and provider type Reason for EMO Changes in diagnosis Changes in treatment plan Return on Investment (ROI) Reports Cost savings from treatment plan changes Cost differences between updated vs. original plan (including cost of procedures member did not receive; reduced productivity; complications)

Thank You First Name, Last name Title on second line 000. 000 Thank You First Name, Last name Title on second line 000.000.0000 or XXXX@healthadvocate.com