The document discusses issues with the current healthcare system such as long wait times to see a doctor, high costs, and inefficiency. It notes that traditional healthcare offices are closed most of the time each week, the average wait to make an appointment is 3 weeks, and the average time spent waiting in an office is 23 minutes. Over 66% of emergency room visits are for non-emergency reasons. The document then introduces telehealth/telemedicine as a solution, noting that it provides convenient 24/7 access to care from anywhere via phone, video, or email without high fees. Telehealth solutions allow people to consult with doctors without missing work or paying high costs for visits to urgent care centers or emergency rooms.

2. The System Is Broken
It doesn’t matter who you are, we’ve all felt the pain of
the current healthcare system and we feel in the core of
our being that there has to be a better way!
2

3. THE PROBLEM: TRADITIONAL HEALTHCARE
 Most offices closed over 75% of hours/week
 Avg. time to make an appointment, 3 weeks
 Avg. time spent in waiting room, 23 minutes
 Over 66% of ER visits are for non emergent reasons
 25% or people have skipped a recommended medical
test due to cost
 24% of people do not fill prescriptions
 16% cut pills in half or skip doses
 75 - 90% of visits originate from stress factors
 25 million Americans will have an episode of depression
3

4. IMPACT: THE AFFORDABLE CARE ACT
 Healthcare now a right for all by 2014
 Est. 37 million Americans added to the system
 Medical school enrollment has decreased by nearly
52 % since 1997
 Estimated 100,000 doctor shortfall by 2025
 NYTimes Article: Doctor Shortage Likely to Worsen With
Health Law
4

5. YOU PAY THE PRICE!
 Average family spends $1,430 and loses around 35
hours each year on doctor’s office visits alone.
 Around $1,000 and 24 hours are unnecessary!
 That’s about $85 and 2 hours every month, wasted!
 Bottom Line
 Highly inconvenient
 Extremely expensive
 Wastes our time and money
Something has to change… right?
5

6. Paradigm
a philosophical and theoretical framework of a scientific
school or discipline within which theories, laws, and
generalizations and the experiments performed in
support of them are formulated
6

7. TELEHEALTH IS THE ANSWER AND CADR+
IS THE 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
 It’s comprehensive – for the body, mind and pocket book
 It’s affordable – $15 PMPM for individuals, $10 for groups
It’s healthcare… the way it should be!
7

8. CADR+
Unlimited, 24/7 access to the healthcare you need,
from the comfort and convenience of your phone and
computer. PLUS, discounts on prescriptions, vision,
dental & more!
8

9. WHAT IS CADR+?
• A technology that connects a member and a physician
• A network of 6,000 physicians
• EMR, MD’s access yours
• SureScripts, MD’s access two years of prescription drug history
• Consult by phone (land and mobile) email and video
• Prescriptions are available
• No Life Style drugs or narcotics are prescribed
• Your PCP receives records of your CADR+ consultations
• Pre-paid benefit, unlimited use
• All family members can use CADR+
• Flu Line, Allergy Line, and much more
9

10. Consult A Doctor
On-demand, 24/7 phone, video and e-mail access to
licensed physicians, allowing members to consult
immediately with a network of U.S.-based, state-
licensed doctors for common medical conditions.
10

11. 24/7 Telemedicine Physician Network50
Talk to a Doctor (+/-)90
secs
Total consults / most mature telemedicine platform200k
state
plus
Diverse client populations. S-M-L-XL1500
clients
2010-2011, breakthrough success280%
growth
Personalized post consult follow up100percent
Very satisfied, would recommend, would use it again96%
11

12. Telemedicine, means using informationTelemedicine, means using information
and communications technologies for theand communications technologies for the
delivery of healthcare servicesdelivery of healthcare services.
By 2015 Industry experts realistically foresee
100 million individuals/year
accessing virtual care services like telemedicine.
This level of growth mirrors the development of
the popular MinuteClinic model, which had less
than 100,000 visits in 2006
and in late 2011 grew to more than
10 million visits/year
GROWTH IN TELEMEDICINE
12

13. PRODUCTIVITY LOSS
$2.7 Trillion…
Total U.S. healthcare expenditures in
2011
 $225.8 Billion…
Annual costs to employers for
productivity losses related to
personal/family health problems
 70 Million…
Employees miss work annually due to
illness and medical appointments, for a
total of 408 Million missed days
*Stewart WF, Ricci JA, Chee E, Morganstein D. Lost productive work time costs from health conditions in the
United States: results from the American productivity audit. J Occup Environ Med. 2003;45(12):1234-1246.
Opportunity is calling!
13

14. Ways to Consult
• Telephone
• Secure email
• Video
• Mobile App for
iPhone
““High Tech - High Touch”High Tech - High Touch”
Virtual Care:
• Reduce Cost
• Expand Access
• Improve Outcomes
• Extend services
beyond boundaries
• Right size care
14

15. Improve Access
Multiple ways to
Consult 24/7
Drastically Lower Costs
Avoid high cost settings
like the Doctor’s office,
Urgent Care/ER
Care Coordination
24/7 Physician consultations
Clinically efficient, effective
and most convenient
Quality Care
Licensed Physicians that
can provide information,
diagnose and prescribe
Rx medication*
* If appropriate
Phone, Email, Video,
Mobile Application
Save Time
Save Money
Reduce Absenteeism
Get
Information/Diagnosis
Anytime, Anywhere
24/7
Feel Better Fast
Most Affordable Cost
Setting
Better Outcomes
+ ++
15

16. Activate Call or Click Virtual Care
Online or by phone.
So easy and convenient.
Connect to a board
certified doctor in minutes
Fast, safe, lowest cost
setting care 24/7
EASY FOR MEMBER
16

17. * Non-Controlled Substances
24/7/365 On-Demand Physician Consultations
Via Phone, Web (Video/Email) and Mobile Apps
17

18. Symptom Checker
Interactive questionnaires designed to
narrow down condition or illness
Health Risk Assessment
Interactive health tools identify health
risks and promote wellness.
Wellness Tool & Lab Ordering
Promote prevention with discount
wellness tests for at risk population.
ePrescribing to Choice Pharmacy
Safer and faster way to get RX
medication when necessary.
Interactive Health Tools
Programs to help stop smoking, learn
about diet, nutrition & more
Health Library
The latest articles sorted by topics,
most popular or key words
18

19. iDR 24/7 iPHONE APP
19

20. USE CONSULT A DOCTOR WHEN YOU:
 Need care after hours or on weekends
 Need medical care access from remote locations
 Need Rx prescription/refills* for common conditions
 Can’t meet face-to-face with physician / specialist
 Can’t get a timely appointment
 Can’t get to a doctor due to disability
 Don’t want to go to ER/UC
 Can’t afford to take off work
 Are traveling and need advice
20

21. 50 STATE PHYSICIAN NETWORK
 50-state network of licensed primary care physicians/specialists
 US Board certified, state licensed
 Specialists, including:
 Pediatrics, Cardiology, OB / GYN
 Mental Health , Endocrinology
 NCQA Credential review process
 Annual re-credentialing
 170 Languages Supported
 Detailed and Stringent Quality Protocols
 Chief Medical Officer: Dr. Douglas Smith, Co-Founder:
MinuteClinic
21

22. CREDENTIALING CRITERIA
Each applicant goes through a 7 stage evaluation process prior to
acceptance into our network of physicians
Requirements:
1. Active and current license
2. Board certification (if more than 20 years experience,
may be exempted)
3. Education/training – at a U.S. based medical school,
residency or specialty program
4. Minimum of 3 years experience in clinic or office setting
(average is 10 years)
Stage 1 – Physical Application
Stage 2 – Personal Interview - Physicians Operations
Stage 3 – Initial Credentialing
Stage 4 – Personal Interview with the Medical Director
Stage 5 – 3rd Party Credentialing- NCQA
Stage 6 – Acceptance/Contracting
Stage 7 Monitoring Physicians Ongoing‐
22

23. Patients triaged to alternative
level of care when necessary.
 Cold/Flu
 Sinus infections
 Upper Respiratory
 Allergies
 Headaches
 Urinary Tract (UTI)
 Bronchitis
 Zithromax Z-Pak
 Amoxicillin
 Albuterol
 Augmentin
 Tessalon
 Azithromycin
 Keflex
 Bactrim
 Macrobid
 Pyridium
 Biaxin
 Allegra
 Bactrim
 Ibuprofen 800
 Nasonex
 Lipitor
* No DEA Controlled Substances
Less prescribing than office
settings
Doctor less pressured
More convenient
More accessible
Less effort/ aggravation for patient
~40%
 Cipro
 Lisinopril
 Tamiflu
 Prednisone
 Metformin
 Flonase
 Diflucan
 HCTZ
 Levaquin
Top 25 diagnosis
Top 50 diagnosis
 Stomach Ache/Diarrhea
 Eye infections
 Ear Infections
 Rash/Skin Irritation
 Yeast Infection
 Other GYN complaints
Conditions treated with Telemedicine
73%
Common Medications PrescribedCommon Medications PrescribedCommon ConditionsCommon Conditions
23
82%

24. Data and dollar amounts are based on national averages. Amounts listed may not reflect actual billed charges
65% of members would have
gone to PCP at cost of
$153
10% of members would have gone
to Urgent Care at cost of
$350
15% of members would have gone to
Emergency Room at cost of
$1029
Estimated lost productivity to employers Consult A Doctor
telemedicine services help eliminate 1000’s of hours of lost
productivity due to medical absenteeism & presenteeism
HOW CADR REDUCES COSTS
24

25. Summary:
Reduction of Claims Costs
Expanded Access to Care
Improved Patient Outcomes
Program & Product Extension
Provider Panel Options
Private Label Availability
Well-defined Scope of Services
Most Cost-Effective Setting
New Benefit Options
Competitive Market Advantage
Fraud Mitigation
 Most Comprehensive – Service + Platform
 Most Mature Platform
 Most Proven Platform
 Most Ways to consult with a doctor- phone,
online - secure email, video, mobile APP
 Highest Utilization in the market
 Highest ROI in the Market
 Most Flexible platform
 Lowest cost to deploy
 Lowest cost to maintain
WHY CONSULT A DOCTOR?
NOTE: iPad not required
25

26. “Simply want to say that it's so nice to
be able to call in for things like sinus
infection or ear infection and not have
to miss work or kids to miss school for
minor issues. And the price =)” -
Employer
“Was recommended with our AETNA
insurance and we’re so happy with it”
- Employer
“One client had an employee who
was on the road and feeling really
bad; she called Consult-A-Doctor and
received prescription from a local
pharmacy and was able to continue
her travels and business meetings.. –
Broker Partner
“Many KUDOS to you for wonderful
cost savings, time savings and friendly
service” – Broker Partner
“As premiums increase and benefits
erode, telemedicine services are a
low-cost way to moderate the loss. My
Groups absolutely love it!” – Broker
Partner
“I have heard nothing but good
reports from my employees regarding
all aspects of the service. Access for
rural areas really helps – versus high
cost of ER”
- Employer
BROKER COMMENTSBROKER COMMENTSEMPLOYER COMMENTSEMPLOYER COMMENTS PAYER
COMMENTS
PAYER
COMMENTS
SCORE
D
9
OUT OF
10
26

27. IN GOOD COMPANY
27

28. WHY WE’RE BETTER
 Multiple Access Points (6): On-Line, Email, Telephone,
Mobile APP, Video, Text
 Unlimited, 24/7 access in all 50 states
 Mobile APP, providing Physician access, Personal Health
Manager and Wellness from your iPhone
 Over 200,000 Consultations Provided To-date
 Access to Physicians by Telephone in 2 minutes or less
 No Web Access Required to Consult w/ Physician
 All Video and Phone Consultations Recorded and Attached
to Health Record
28

29. Resources for Living
Aetna Resources For Living provides the resources you
need to help you handle life’s challenges, whether that
be emotional, financial or legal. They’re your partner in
achieving resiliency.
29

30. 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 visit 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.
30

31. WHAT IS AETNA RESOURCES FOR LIVING?
 A no cost, confidential telephone consultation and referral
service for employees and their household members.
 24/7 online access to targeted resources
 A starting place to address personal problems before they can
affect other areas of your life.
 A proactive partner to work with you to facilitate a solution.
31

32. THE GOAL: RESILIENCY
We can’t promise you a stress-free life. But we can provide you
with tools and support to awaken your own resiliency.
resilience:
the ability to spring back into shape
after bending, stretching, or being
compressed; the opportunity to
recover readily from illness or
adversity.
32

33. TELEPHONIC CONSULTATION
 Unlimited access
 Masters-level clinicians
 Available 24/7
 Live Answer
 Confidential Service
 170 Languages
 Crisis Support
33

34. EVERYDAY HELP FOR EVERYDAY STUFF
Someone to talk to… on your schedule.
 Telephone consultation
 Legal services
 Financial consultation
 Tax preparation discounts
 Identity theft
 Patient advocacy
34

35. 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 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

36. PATIENT ADVOCACY PROGRAM
 Provides a personal negotiator who acts on the patient’s behalf,
mediating solutions for remaining bills with medical facilities.
 Who is eligible?
 Active member of a benefit plan which includes Patient Advocacy
 Received care for a single related medical event at a hospital,
emergency clinic or surgical center
 Have a minimum of $2,500 balance after discounts and medical
benefits were applied.
 Solutions could include:
 Applying for financial assistance
 Negotiating a settlement
 Arranging a payment plan
36

37. WORKLIFE RESOURCES
There are times in everyday life when you may
need a little guidance:
 Child care
 Parenting
 Emergency care
 Summer care
 New baby care
 Adoption
 Colleges and universities
 Elder resources
 Disaster relief
 Pet care
 Primary/secondary education
 Patient Advocacy
37

38. SELF-CARE AND WELL-BEING
Could you use a partner to help you achieve positive,
long-term improvement in health and wellness?
 Fitness
 Smoking cessation
 Weight management
 Stress management
 Discount Center
 Targeted webinars
38

39. ONLINE DISCOUNT CENTER
We can also help you save money by providing access to great prices for
over 3.5 million products and services.
Let the savings begin
We help you find the deals you’re looking for with easy search tools and
discount codes. We also feature zones that highlight hot offers, limited time
bargains and regional deals.
The online discount service features savings on brand-name products and
services like:
 Computers and electronics
 Travel, car rentals and hotels
 Gifts and retail shopping
 Movie tickets & video rentals
 Theme parks
 Fitness centers
 Shoes and clothes
 Restaurants… and more!
39

40. HOW IT WORKS: GIVE IT A TRY!
 Phone Number:
 1-877-856-1788
 Website:
 www.mylifevalues.com
 Login: CADRPdemo
 Password: demo
40

41. WellCard Health
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.
41

42. SIGNIFICANT SAVINGS
 Medical – save up to 50%
 Pharmacy Savings – save up to 65%
 Dental Care – save up to 50%
 Vision Care – save up to 50%
 Hearing – save up to 15%
 Diabetes Care & Supplies – save 52–70%
 Lab Savings – save up to 50%
 MRI & Imaging – save up to 70%
 And more!
42

43. HOW IT WORKS
 Step 1: Register for a Card
 www.cadrplus.com/wc/
 Step 2: Find a Provider
 Select ‘Locate a Provider’ on www.wellcardhealth.com
 Step 3: Schedule Your Appointment
 Contact provider of choice, make appointment
 Step 4: Pay Your Discounted Rate at Time of Service
 Show your card and get the discounted rate
43

44. CADR+ PLANS & PRICING
 Individuals & Families - $14.95 PMPM
 Includes payroll deduct, worksite, etc.
 Easy online enrollment via CADRPlus.com
 Groups - $10 PMPM
 Includes employers, unions, etc.
 Discounted plans available or larger groups
 Unbundled
 CADR and Aetna RFL are available individually
 Separate pricing applies
44

45. THE SIGN-UP PROCESS
 Individuals & Families
 Add your broker ID to referring URL
 www.cadrplus.com/?broker=0316
 Groups
 Step 1: Complete the New Client Form
 Collects client/broker info, payment info, etc.
 https://cadrplus.wufoo.com/forms/new-client-information-form/
 Step 2: Gather Member Census
 Name, Address, Phone, Email, Gender, DOB
 Download here: goo.gl/IHSEP
45

46. ONBOARDING COMMUNICATION
 Account Set-Up Instructions
 How to set-up accounts and access benefits
 http://www.cadrplus.com/account-set-up/
 Emails
 Confirmation emails sent to members and brokers
 Welcome emails sent to members on day of enrollment
 Welcome Brochure
 Tri-fold brochure mailed to members
 Includes punch-out card for member’s wallet
46

47. ONGOING MARKETING & AWARENESS
 Email Drip Campaigns
 Posters/Flyers/Brochures
 Onboarding Webinars
 In-Person Lunches
 Landing Pages, Website Support
 Customized Marketing Plans
47

48. THE DIFFERENCE: CADR+
 Unlimited access for one low monthly price
 As low as $10 PMPM
 For the body, mind and pocket book
 Best in class partners
 Flexible, simple plan options
 Whole Group & Individuals
48

49. WANT TO KICK THE TIRES?
 Email the following to adaniels@cadrplus.com
 Full Name
 Phone Number
 Email Address
 Physical Address
 We’ll set-up your VIP trial and send you activation
instructions.
49