The document outlines the agenda for the Q4Live conference on August 27-29, 2018 in San Diego. It includes presentations from various speakers on topics related to transforming healthcare such as engaging consumers in healthcare decisions, increasing transparency in healthcare quality and costs, strategies for self-funded health plans, analyzing healthcare claims data, and reducing prescription drug costs. Presenters include futurists, benefits advisors, healthcare executives, and medical professionals.

1. www.q4intel.com
#Q4Live: “Building a new normal”
Keynote Speaker and Featured Guest
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Dr. Josh Luke, Futurist and Founder of Health-Wealth
Presenting:
Health-Wealth: The Six Words that Killed American Healthcare

2. www.q4intel.com
#Q4Live: “Building a new normal”
Keynote Speaker and Featured Guest
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Dr. Josh Luke, Futurist and Founder of Health-Wealth
Presenting: Health-Wealth: The Six Words that Killed American Healthcare
Hyper inflation in healthcare is killing the American dream. We shop for cars by comparing
quality and price. We do the same when buying a home. Why don’t we shop healthcare?
Well, because we’ve always been told that our insurance will pay for it. As long as we keep
that attitude costs will continue to skyrocket.
This entertaining presentation identifies the connection between engaging in healthcare
decisions and preserving wealth. It showcases how millennial culture can positively infect the
home and workplace to not only shift the paradigm in America to a healthy living perspective,
but at the same time drive your personal healthcare costs down by as much as 30%.
The key to reducing healthcare costs is to become an Engaged Healthcare Consumer.
Healthcare has become unaffordable for the average American. It’s also bankrupting
American business as the hyperinflation is out of control year over year. After conducting
extensive research in preparation for authoring a book for Forbes, Dr. Luke discovered a true
length between health and wealth, and developed a formula of proven tactics and practices
that can save both individuals and businesses significant dollars on healthcare spending while
living a healthier lifestyle! But until the individual becomes and EHC, it will never happen!

3. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Jeff Bernhard, President, Continental Benefits
Shane Wolverton, Sr. VP, Quantros, Inc.
Presenting: Healthcare Transparency: You Deserve to Know!

4. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Jeff Bernhard, President, Continental Benefits
Shane Wolverton, Sr. VP, Quantros, Inc.
Presenting: Healthcare Transparency: You Deserve to Know!
As a participant in the Q4i conference, we assume you are here because you want to help
transform the healthcare business and solve for the runaway cost issues and lack of quality
outcomes that have led to the situation that Employers find themselves in.
In this presentation, we will reshape the paradigm and truly focus on quality transparency and
make us all realize how silly it has not existed up until now. To accept that quality is a
constant for all providers is like assuming that every human was meant to be 7 feet tall. Not
accurate or far from true. The fact of the matter is that quality does matter and patients
deserve to know. In addition, many brokers and consultants are misguided into thinking that
network discounts matter, they don’t. In fact, if you are paying network discounted rates at
55% or whatever it might be, you are paying retail costs for care. Who pays retail costs
anymore? Answer: No one.
In this presentation, be ready for the new norm and do not accept network discounts or the
belief that every doctor provides the same quality of care.

5. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Christy Vago, SVP Specialty Health Sales
Julie Bobak, SVP Specialty Health Underwriting
Amy Carlson, Business Development Manager
Presenting: Stop Loss Building Blocks for the New Normal

6. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Christy Vago, SVP Specialty Health Sales
Julie Bobak, SVP Specialty Health Underwriting
Amy Carlson, Business Development Manager
Presenting: Stop Loss Building Blocks for the New Normal
Our OneBeacon team is excited for the opportunity to speak at your Q4Intel conference.
Julie, Amy and I will be collaboratively presenting on educating the audience on the “Stop
Loss Building Blocks for the New Normal”.
Our focus will be on how to transition from the status quo medical stop loss approach to
valuable consultative methodology. Key strategic concepts for consultants to consider include
transparency, commissions, policy features, managing large dollar claimants, disclosure,
eliminating gaps and lasering. In this session, OneBeacon will provide a solid foundation on
how to build out the appropriate catastrophic medical stop loss policy to adequately cover
your client’s health plan.

7. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Troy Parant, West Coast Sales Director
Presenting: How to reap rewards of self-funding while in a fully insured plan

8. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Troy Parant, West Coast Sales Director
Based on an employer’s business needs, being fully insured may be the best and/or only
option.
By redesigning the way they deliver their benefits while still being fully insured, you can
provide the upside that employers typically enjoy by going truly self-funded: significantly
lower cost, completely customized benefits and fully transparent claims reporting, with
virtually none of the risk.
When only paying for claims as they’re incurred, with a guaranteed cap, employers are able to
offer the most cost effective plan, control their own claims data to track where the dollars are
actually being spent and get out of the cycle of potentially having to move carriers, change
networks or take benefits away from employees to control costs.
Presenting: How to reap rewards of self-funding while in a fully insured plan

9. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Keith Lemer, Chief Executive Officer
John Augustine, Senior Vice President of Business Development
Presenting:
Connecting the Dots...What the Insurance Companies Don’t Want You To Know

10. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Keith Lemer, Chief Executive Officer
John Augustine, Senior Vice President of Business Development
Presenting:
Connecting the Dots...What the Insurance Companies Don’t Want You To Know
Focusing on frequency and per unit cost is a function of managing the health care supply
chain.
This paradigm shift is available for any group that chooses to pursue a self-funded or partially
self-funded (level-funded) arrangement, as employers only pay for the health claims their
people consume.
By managing the supply chain, which are the actual cost of the items utilized like office visits,
surgeries, imaging, hospitals and drugs, buyers are able to pay attention to the cost and
quality of each unit of healthcare, then collectively they are able to lower costs together and
improve the predictability of outcomes.
Reduce the health care costs, and you reduce the health insurance costs.

11. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Deb Ault (aka Nurse Deb), President
Christopher Ault, Chief Operating Officer
Presenting: Medical Management Done Right: The Secret to Success in Health Care
Supply Chain Management

12. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Deb Ault (aka Nurse Deb), President
Christopher Ault, Chief Operating Officer
I know So&So on the plan is pretty sick...why isn't anyone from insurance helping him/her? Stoploss is
asking questions about these high dollar claimants and the only information I can get is "they failed to
engage so the case was closed". Isn't there something more that can be done? I've got all these
reports OR claims data, but I'm not quite sure how to analyze it, OR what to do with it after it's
analyzed. Can somebody help? I'm not sure which cost containment strategies are going to be
meaningful and/or generate ROI for my client. Is there some way I can cut through the vendor clutter
and actually make reliable recommendations? I've already purchased every cost containment product
I can find, but my client's plan is still running hot. I've got this fully insured group that really ought to
be self-funded, but I can't get good data from the carrier, can't get a competitive stoploss quote, or
am having trouble getting the client to understand their REAL financial risk versus their potential
maximum liability. I've got this really unique, weird, special, hard, at risk/high jeopardy (they're going
to fire me if I don't do something), needy, demanding, cutting edge, creative, "really gets it", about to
go bankrupt, frustrated, unionized, paternalistic, about to get an 85% rate hike/renewal, has two $5m
lazers, cost conscious group...won't somebody please save me? (OBTW, they're only 6 ee lives!! LOL)
If you've found yourself in any of these situations, or you've asked yourself these (or similar)
questions, then this is for you. Nurse Deb is here to help (and specializes in really unique, weird....etc)
Presenting: Medical Management Done Right: The Secret to Success in Health Care
Supply Chain Management

13. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Bill Hepscher, Founder
Presenting: Peeling The Onion... 20 Incredibly Stinky Facts About High
Prescription Drug Prices

14. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Bill Hepscher, Founder
Presenting: Peeling The Onion... 20 Incredibly Stinky Facts About High
Prescription Drug Prices
We all know that prescription drugs are the primary driver of employer health care costs,
rising an average of 12% a year.
But why are drug prices so high in the US? And why do American's pay 60% more for
prescription drugs vs. the rest of the world? Let’s peel back the onion and take a look.
Warning its gonna stink and it may make you cry, but in order to find a solution, we must first
understand the problem.

15. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Julien Emery, CEO & Co-founder
Jake Smith, Account Executive
Presenting: The Operating System for Building, Modeling and Underwriting
Self-Insured Health Plans

16. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Julien Emery, CEO & Co-founder
Jake Smith, Account Executive
Presenting: The Operating System for Building, Modeling and Underwriting
Self-Insured Health Plans
Benefit advisors have an incredible opportunity to make healthcare more affordable and
accessible.
There are strategies that have emerged, and are evolving, that allow you to help employers
regain control over their healthcare purchasing. Executing on these strategies is far more time
consuming and requires juggling way more variables than before. This additional work comes
at a time when advisors are facing far greater demand on their time for compliance,
marketing, HR, etc.
I want to show you how you can execute on these innovative healthcare strategies you hear
about in the most efficient way possible.

17. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Rhea Campbell, Co-founder, Presenting: How does DPC fit into VBID?
Alex Lickerman, MD, Co-founder, Presenting: The Undefeated Mind:
On the Science of Constructing an Indestructible Self

18. www.q4intel.com
#Q4Live: “Building a new normal”
Sponsoring Partner
Networking conference for forward-thinking benefits advisors
August 27 – 29, 2018 | San Diego, CA
Rhea Campbell: Direct Primary Care (DPC) is a true team player in health plan design. It can fit
into any plan along the continuum of plan designs from fully insured to partially self-funded
to self-funded with bundles. We think of DPC as your partner, creating and communicating
insight into the population health of the group to inform plan design changes and to show
where diverting care saved costs that will not show up in claims.
Alex Lickerman, MD: “Based on his book, The Undefeated Mind: On the Science of
Constructing an Indestructible Self, Alex Lickerman, MD will argue that resilience isn’t
something with which only a fortunate few of us have been born, but rather something we
can all take action to develop.
In this groundbreaking talk, Dr. Lickerman outlines four of the eight principles discussed in the
book and details not only the data that supports their effectiveness in increasing resilience,
and decreasing anxiety and depression, but also how audience members can put those
principles to work in their own lives."
Presenting: How does DPC fit into VBID?
Presenting: The Undefeated Mind: On the Science of Constructing an Indestructible Self