Consult a Doctor Plus The care you need, on your schedule! Prepared For: April 11 th, 2014

STATE OF HEALTHCARE  Getting well has become extremely inconvenient  Most doctors offices are closed 75% of the hours/week  It can take weeks or even months to see your doctor  80% of adult ER visits are due to lack of access  Additionally, it isn’t cheap  Average family spends $1,430 each year on doctors visits  25% of people skip recommended tests, do not fill R x due to cost  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  91% of calls solve problem with no need for follow-up  4% of population today, expected to grow to 40% in 2 years

WELCOME TO CADR+ Consult a Doctor Plus 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.

Step 2. Request consult Step 3. Talk with a physician Step 4. Resolve the issue Step 6. Follow-up You simply log on to your account or call Teladoc, 24/7/365, to request either a telephone or video consultation. A board-certified physician licensed in your state reviews your medical history and provides a consultation over the phone or through video, just like an in- person visit. The physician recommends the right treatment for your medical issue. If a prescription is necessary, it is electronically sent to your pharmacy of choice. Teladoc sends you a follow up to ensure that you got the care you needed and to see if you have any feedback on your experience. Step 1. Medical history You are required to complete your medical history online, by phone, or by faxing a paper form prior to requesting a consultation. Step 5. Continuity of care The physician documents the results of the consultation in your medical history. Consultation information can be sent to your primary care physician. HOW IT WORKS You have cold-like symptoms but don’t have the time to sit in an urgent care waiting room. Instead you use us!

Top 10 Diagnoses 1.Sinus Problems 2.Urinary Tract Infection 3.Pink Eye 4.Bronchitis 5.Upper Respiratory Infection 6.Nasal Congestion 7.Allergies 8.Flu 9.Cough 10.Ear Infection  Electronic prescribing (SureScripts) or by phone.  Frequency of prescribing lower than same diagnoses when comparing best provider practices (about 80% vs. 83%)  Use of antibiotics limited to short durations; patient education and physician reminders for appropriate use  No prescribing of DEA-controlled substances, medication for psychiatric illness, or lifestyle drugs.  Generic drugs automatically recommended Prescription Management COMMON USE

HIGHEST QUALITY OF CARE Better clinical quality comes from directly managing our own network or physicians. 97% Teladoc physician satisfaction rate Board-certified Board-certified in internal medicine, family practice, emergency medicine or pediatrics. State-licensed State-licensed in their respective states. Experienced Experienced, with an average of 15 years of practice. Primary Source Verified Verified through the National Practitioner Data Bank (NPDB) and the American Medical Association (AMA) Board certification, work history, peer reference, State licenses, monthly state sanction reports, DEA license, criminal and civil background. Credentialed The first and only telehealth company in the US to have a provider credentialing process that is certified by NCQA. U.S. residents U.S. residents, living and working in the United States. *NCQA is the National Committee of Quality Assurance

14 min 95% 91% 100% $0 Average Physician response time Member satisfaction Patient issues resolved Follow up QA within 48 hrs. Cost per consultation

USE CADR+ WHEN YOU:  Need basic medical care 24/7  Don’t want to go to UC/ER  Can’t get a timely appointment with your PCP  Need Rx prescription/refills* for common conditions  Can’t afford your insurance copay or deductible  Can’t take off work or school  Can’t meet face-to-face with physician/specialist  Need medical care access from remote locations  Traveling and in need of medical care *If appropriate

“PLUS” THESE ADDITIONAL SERVICES Aetna RFL Consultants Speak directly with highly educated consultants who are ready to help guide you through life’s challenges. Legal & Financial Advisors Talk with a network attorney or financial consultant for up to 30 minutes free per issue, for an unlimited number of issues. ID Theft & Fraud Resolution Victims of ID theft or fraud related crimes receive the education, guidance & legal and financial assistance they need. Bill Review & Mediation Let our Patient Advocacy team work directly with the hospital on your behalf to lower your payments. WellCard Discount Card Savings on a wide range of healthcare products and services like prescription drugs, lab tests, vision and dental care. Online Worklife Resources In-depth resources and guides for daily issues from adoption to college planning, elder care, disaster relief and more.

WHY CADR+?  Licensed physicians and industry professionals available 24/7/365  No waiting rooms, closed offices, or unhealthy offices  No Co-pay and No limitation on use  Board certified State Specific Physicians  Answers & treatment in minutes via phone, video or app  Up to 6 family members – any family member, no age restriction  Feel better faster!

OUR RECIPE FOR YOUR SUCCESS Quality + Convenience = Utilization + Savings

MARKETING & AWARENESS  Awareness, adoption, activation, utilization  Work together to promote the program  Campaigns  Welcome Webinars  Introduction Memos  Posters  Envelope Stuffers  Customized Website (Can be Co-Branded!)  And more! Successful promotion leads to increased ROI!

DELIVERING COST SAVINGS Based on Teladoc reporting. Actual savings may vary based on geography. Productivity savings based on U.S. Dept. of Labor data.

THE ADMIN PORTAL  All member info stored in the cloud  Available to you on-demand, 24/7  Add, edit or terminate employees in real time  Your information is secure, redundant and backed up  We can add any number of employees in minutes  Members s and phone numbers are 100% private

BUSINESS CASE FOR CADR+  Lowers your plan’s claim expense once implemented  The higher the plan utilization the greater the company savings  Return on Investment can be significant 100% to +300%  Improves employee productivity less time off needed  Possible Carrier credits available to help offset cost  Provides you with maximum plan design flexibility to raise co-pay or deductible offset by CADR+  Lowers employee’s out of pocket expenses  Significantly less expensive than typical OV, UC or ER visits  Drives Goodwill

YOU’RE IN GOOD COMPANY

THANK YOU!!