2. NOVA MEDICAL CENTERS 2015

3. Worker’s Compensation The Pink Elephant in the Room

4. What is Worker’s Compensation? Workers' compensation is a state-regulated insurance program that pays medical bills and replaces some lost wages for employees who are injured at work or who have work-related diseases or illnesses. Workers' compensation will pay for the medical treatment of an injury or illness if: The injury occurred at work or the disease or illness is job-related; and The worker's employer has workers' compensation insurance or is certified by the Texas Department of Insurance, Division of Workers' Compensation to self-insure. Workers' compensation will also replace some of the worker's lost wages if: The injury or illness caused the worker to lose some or all income for more than seven days. Texas employers may choose whether or not to maintain workers' compensation insurance. Employers who choose to have insurance may: Purchase insurance policies from private insurance companies; or Self-insure, if they meet the requirements of the Texas Workers' Compensation Act and are certified by the Texas Department of Insurance, Department of Workers' Compensation. Self-insured employers have the same rights and responsibilities as employers who buy policies from private insurance companies.

5. Texas Worker’s Compensation History THEN The first workers' compensation laws were enacted in Texas in 1913 and held fast to the principle that employers should be allowed to choose whether to offer workers' compensation benefits to their employees. At the time, the courts generally held that mandatory, government-administered workers' compensation programs denied the property rights of employers without due process of law. The judicial climate changed in 1917 when the U.S. Supreme Court ruled that it was lawful to require employers to choose whether or not to participate in a state's workers' compensation program. Texas revised its workers' compensation laws in 1917, but retained voluntary employer participation in the system. The 1917 Texas law created the Texas Industrial Accident Board to administer workers' compensation laws in the state and provided the basic framework for the state's workers' compensation system until the late 1980s

6. Texas Worker’s Compensation History NOW Today, Texas is the only state that allows employers to choose whether or not to provide workers' compensation, although public employers and employers that enter into a building or construction contract with a governmental entity must provide workers' compensation. In 1987, amid growing public complaints about high insurance costs for employers and low benefit rates for injured workers, the Texas Legislature appointed a Joint Select Committee on Workers' Compensation Insurance to make recommendations for change. Addressing these concerns, the Texas Legislature adopted the Texas Worker's Compensation Act (Senate Bill 1) on Dec. 13, 1989 ensuring that injured workers are compensated fairly and appropriately for workplace injuries and created more insurance options for employers, including self-insurance for large employers who meet established criteria and are certified by the Division. The Texas Workers' Compensation Commission (TWCC) was created under the Act to administer the workers' compensation system, replacing the Texas Industrial Accident Board. TWCC administered the system until 2005, when it was abolished and replaced by the Texas Department of Insurance, Division of Workers' Compensation (Division). Major Reforms in 2005 and House Bill 7 made way for the addition of health care networks for injured workers, the creation of an Office of Injured Employee Counsel (OIEC) and numerous other improvements for return-to-work outcomes and more efficient measures to control medical costs.

7. Nova Medical Centers – Who Are We? Nova Medical Centers began as a single facility formed 20 years ago in Conroe, Texas, to provide the highest level of healthcare to patients suffering from musculoskeletal injuries. Currently, Nova treats more than 40,000 injuries each year and sees more than 600,000 patient visits in 12 months. Nova operates more than 45 occupational medicine facilities across Texas, Georgia and Tennessee. We achieve our success by providing exceptional, turnkey services for the health and wellness of America's workforce and by delivering unparalleled cost savings to employers. These services include minor emergencies, injury care, pre-employment services, drug screens, physical therapy, online reporting and an expanded complement of occupational health services. Nova Medical Centers meets all standards set forth by OSHA, ADA, NIOSH, as well as all other state and federal guidelines. Additionally, to assure the highest level of professional healthcare, Nova Medical Centers' providers are all credentialed using the National Committee for Quality Assurance (NCQA) guidelines. Simply stated, we at Nova Medical Centers are the best in the industry. Our focus is solely in occupational medicine. Our patients get healthy sooner with optimal results, so that they can make your workforce better, faster and stronger. Allow us to serve you for your best results! Nova Medical Centers was built on ambition and a strong desire to be the best. Our objective is to become a national entity by 2023, so be sure to look for us near you!

8. Nova Medical Centers - Benefits of our Services

9. 1. NOVA Medical Centers Lower Indemnity Cost! 98% Same Day Return to Work Average 14-15 Day Claim Closure Rate A-Z Treatment Control Increased Company Productivity 2. Friendly and Professional Care with a smile from ONE CONSISTENT Friendly Staff! Minimum Wait Times 3. Occuflex Medical Information instantly available to ALL parties Annual reporting Mobile App Real-time web-based reporting Nova's proprietary software 4. 100% Occupational Medicine Research shows that hybrid clinic mix (urgent care/occmed) DOES NOT work No Family Practice No Urgent Care No Sick Visits 5. Patient Satisfaction Happy Patients Great Compliance 6. Outcome-Based Results Fast Return to Work Short Treatment Time Reduced Treatment Cost Lower Indemnity Cost Increased company productivity

10. An Employees potential perception of W/C

11. Broadspire Network (TX HCN) Brownsville ISD (TX 504) Bunch CareSolutions (TX HCN) Chartis (TX HCN) CompKey Plus Network (TX HCN) Corvel (CoreCare) Coventry/First Health (Aetna owned) ESIS (TX HCN) Gallagher Bassett (TX HCN) Genex (TX HCN) Global Excel Management The Hartford (TX HCN) Liberty Mutual (TXHCN) LoneStar HCN (Corvel) Majoris (TXHCN) National Choice Care (TX HCN) OccuNet (Alliance) PSWCA - The Alliance (TX 504) Prime Health Services (PHS) Sedgwick - SWMPN (TX HCN) Texas Healthcare Foundation (THF) Travelers (TX HCN) Worklink (Memorial Hermann TX HCN) WellComp/Rockport (York owned) Zenith (TX HCN) Zurich (TX HCN) NETWORKS / CARRIERS

12. OCCUFLEX - Nova's Real-time Online Reporting System – How to facilitate W/C Information efficiently and effectively REAL-TIME web-basedREAL-TIME web-based communication through Occuflex® allows Nova Medical Centers to coordinate and deliver one of the fastest return to work rates in occupational medicine. Features include: Free Online Injury Management Database Free Real-time Online Customized Reporting & Communication Free Customized & Accurate Billing Procedures Free Customized & Flexible Account Set-up

13. Q & A Thank you for your consideration