2.  Over Utilization
Average Cost of a PCP Visit is $153
Average Cost of a Urgent Care Center Visit is $350
Average Cost of a Emergency Room Visit is $1029
Doctors are Paid for Service.
As we get older we tend to need more healthcare.
Employees don’t understand the cost of service.
Doctors practice “Defensive Medicine”.
Most doctors’ 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.

3.  Cost Prohibitive
 25% of 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.
 Untreated Stress
 75 - 90% of visits originate from stress factors.
 25 million Americans will have an episode of depression.
 Employees do not know where to turn when they are stressed.
 No/Limited resources available.
 Uneducated about resources that are available.
 Employees do not seek treatment for stress or depression.
 There is a stigma to receiving help to improve mental health.

4.  Increase in claims.
 Skyrocketing insurance premiums.
 Insured employees do not behave like consumers.
 Individuals visit Immediate Care Clinics & E.R.s instead
of their PCP.
 Individuals who wait to receive treatment seek care
when their illnesses becomes more severe.
 Employees are distracted and less productive at work.
 Employees miss more work.
 Employees incur more costs

5. A Consumer Driven
Health Insurance Plan with an Effective
“First Alternative”
A First Alternative is a low cost, high impact resource
employees & their families can access before seeking a more
expensive healthcare solution.

6. Telemedicine means using information and
communications technologies for the delivery of
healthcare services.
is Telemedicine

7. 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

8. 100+ Carriers across 26 states
reimburse for telemedicine:
States with legislative mandates:
California Colorado
Georgia Hawaii
Kentucky Louisiana
Maine New Hampshire
Oklahoma Oregon
Texas Virginia
Maryland Vermont
Michigan And Growing…
PREDICTION- ALL MAJOR PLANS 50 STATES – 36 MONTHS
Widely reimbursable and becoming fully
integrated into the delivery systems and
benefit offerings of major health plans and
self-funded groups.

9. Resource for LivingTelemedicine

10. Multiple Ways to Consult
Technology and service platform which
allows patients to consult with physicians
via Telephone, Mobile APP, Video, On-line,
Email & Text, on an immediate basis,
24/7/365 AND receive a refill or prescription
for their illness…ready when they are!
Give them a call and you will be connected within 90 seconds!

11. National Telemedicine
Physician Network
 Enterprise Platform PLUS CADR’s National
Network of Primary Care Physicians
 50 State PCP Provider Network
 U.S.-based, Board Certified/Eligible
 Credentialed to NCQA Standards
 170 Languages Supported
 On-Demand (24/7) Via Secure Phone,
Web (Video/Email) or Mobile App
 Additional Specialties Now Online:
 Pediatrics, Cardiology, OB/GYN
 Mental Health, Endocrinology

12. Patients triaged to alternative
level of care when necessary.
 Cold/Flu
 Sinus infections
 Upper Respiratory
Infections
 Allergies
 Headaches
 Urinary Tract
Infections (UTI)
 Zithromax Z-Pak
 Amoxicillin
 Albuterol
 Augmentin
 Tessalon Perles
 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
 Bronchitis
 Stomach Ache/Diarrhea
 Eye infections
 Ear Infections
 Rash/Skin Irritation
 Yeast Infection
 Other GYNE complaints
Conditions treated with Telemedicine
73%
Common Medications PrescribedCommon Conditions
82%

13. 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

14.  Mobile Phone:
 First Aid
 Medications
 Medical Tests / Labs
 Wellness
 Chronic Condition Management
 Challenges
 Rewards
 Support Groups

15. Features / Benefits
Electronic prescribing
 Less errors
 SureScripts
 RX history
 Med2Med
interaction
 Decision support
 Evidence based
Pharmacy of choice
 By home, work,
hotel, school
 Less wait
 Formularies
 Insurance
Documented in EMR
Reported to PCP/Plan
ePrescriptions

16. Follow Up/Referral Post Consult Benefits
 Follow up care
instructions
 Telemedicine
consultations
 In-person referrals
 Patient education
 Scheduled
messages/reminders
 Diagnostic labs
 Health tracking tools
 Health risk assessments
 Coding
 CPT
 ICD-9

17. Presented by
WaveFront Brokerage Services
• Low-PEPM of $2 - $5 (Physician
consult = $38/consult; Wellness
consult = $27/consult)
• 2 - 12% utilization rate
nationally (lowest in nation)
• Avg. Physician response time:
up to 3 hrs.
• Consultations available by
telephone only after going
online prior.
• No recording of consultations
• SureScripts Access – No.
• Secure Email Consultations –
No.
• Very modest physician
network (reason physician
response time slowest)
• Employee + Family $30/month
(Unlimited usage; no fees)
• 18 % utilization rate
• Average Physician response
time: 24 minutes
• Consultations available by
telephone, internet and video.
• Record consultations and post
to personal health record.
• SureScripts Access – No.
• Secure Email Consultations –
No.
• 2,000 GP Physician network (not
enough physicians to handle current
rate of enrollments)
• Employee + Family $10/month
(Unlimited usage; no fees)
• 26+% utilization rate
• Avg. Physician response time:
90 seconds.
• Consultations available by
telephone, internet, video,
smart phone app, secure email,
chat, and text msg.
• Record consultations and post
to personal health record.
• SureScripts Access – Yes.
• SecureEmail Consultations –
Yes.
• Nation’s largest physician
network; includes specialists
(ONLY Physician Network equipped to
handle current rate of enrollments).

18. 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.

19. 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.

20. 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.
 Members can speak with a counselor any time — 365 days per year — from
the comfort and privacy of home or anywhere else they choose.
 Members engage instantly with a clinician — with no limit on the time it takes
to help resolve their issues.
 Legal/Financial , ID Theft, Crisis counseling
 Patient Advocacy
 Personalized assistance with child care, elder care, pet care and everyday
needs
 Coaching or counseling to help members achieve worklife balance
 Access to the online Discount Center, your one stop resource for every day
savings on electronics, travel, movie tickets and more.

21. Resources For Living
How it Works: Give it a TRY!
Phone Number
1-877-856-1788
Website
www.mylifevalues.com
Login: CADRPdemo
Password: demo

22. The lowest cost, highest impact soluction to many of
the issues plaguing the healthcare system today.
Simply put…
The lowest cost, highest impact solution to many of
the issues plaguing all Employers, Employees and the
healthcare system.

23. Benefits of
Reduces health insurance claims.
Reduces premium costs and premium increases.
Reduces costs for employers & employees.
Reduces the need for employees to take off work.
Reduces distractions at work.
Increases productivity.
Turnkey Implementation.

24. Families &
Individuals
Unlimited, 24/7 Access
Individual Enrollment
Credit Card or Bank Payment
Up to 6 Family Members
$19.95/month
Group
Voluntary
Unlimited, 24/7 Access
Multiple Groups
Opt-In Enrollment/Payroll Deduct
Up to 6 Family Members
$14.95/month
Group
Sponsored
Unlimited, 24/7 Access
Multiple Groups
Whole Group Enrollment
Up to 6 Family Members
$10/month
NO Underwriting, ALL Qualify – Pre-existing
Conditions Included
Pick Your Plan

25. You’re in Good Company

26. The lowest cost, highest impact soluction to many of
the issues plaguing the healthcare system today.
Partner: Pepsi Bottling Ventures
Covers 26 locations in 7 States
•- ROI: 413% based on actual usage
•- 99% satisfaction rate
•- 16 minute average response time
•- 80% of people who used the platform would
• have gone to a higher cost setting
•- 48% would have taken time off work, but didn’t
Case Study…

28. Presented by
WaveFront Brokerage Services
Thank you for viewing this presentation!
Presented by:
Mike Sweeney
847-340-8291
msweeney@vital-business-solutions.com