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TABLE OF
                                                                                     CONTENTS




    Table of Contents
    Company Overview……………………….........................................................       2
    Program Overview……………………..............................................................   4
      • Core Health Advocacy..…………………………………..………...……….... 11
      • Wellness……………………………………………………………........…….. 20
      • MedChoice Support………………………………………………........….….. 27
    Communications……….………………………………....................................... 33
    How to Reach Us……………………………………………...…………………... 36




1
COMPANY
                   OVERVIEW




    Company Overview




2
COMPANY
                                                                         OVERVIEW




    Health Advocate Company Overview
    Providing personalized help resolving clinical, administrative
    and insurance-related issues.
    • Nation’s leader in healthcare advocacy and assistance
    • Serves 21 million Americans, through more than 7,500 clients
    • Expert staff of healthcare, benefits and claims professionals
    • One-source support for a variety of needs, saving time and money
    • Dedicated to finding the right answers
    • Independent and confidential




3
PROGRAM
                       OVERVIEW




    Program Overview




4
PROGRAM
                                                                     OVERVIEW




    Welcome to Health Advocate
    Your New Health Advocate Benefit provides:

    • Three integrated features to make life easier:
       Feature 1: Core Health Advocacy
       Feature 2: Wellness
       Feature 3: MedChoice Support
    • Unlimited access for you and your eligible family members*
    • Health Advocate is provided by your employer or plan sponsor
    • A single number connects you 24/7




    * Eligibility varies by program



5
PROGRAM
                                                                          OVERVIEW




    How Health Advocate Helps
    The New Health Advocate Benefit provides:

    Feature 1: Core Health Advocacy
     Personal Health Advocates (PHAs) provide one-on-one help to resolve
     clinical, administrative and insurance-related issues
    Feature 2: Wellness
     Unlimited access to Wellness Coaching through telephone or email,
     plus online Wellness tools, to help you get—and stay—healthy
    Feature 3: MedChoice Support
     Self-directed online tool guides you through key health decisions to choose
     the medical care option that is right for you




6
PROGRAM
                                                                          OVERVIEW




    An Important Note About Our Service
    Health Advocate
      • Does not replace health insurance coverage
      • Does not provide medical care or recommend treatment

    Rather, Health Advocate
      • Helps resolve healthcare and insurance-related issues
      • Interacts with healthcare professionals and insurance companies




7
PROGRAM
                                                                      OVERVIEW




    Private and Confidential
    • We protect your privacy
    • All healthcare information is kept strictly confidential
    • We fully comply with the federal Health Insurance Portability
      and Accountability Act (HIPAA)




8
PROGRAM
                                                         OVERVIEW




    Medical Authorization Release Form
    • Authorizes Health Advocate to interact with your
     doctors, other providers and health insurance
     companies on the your behalf

    • One-page form can be downloaded from
     website or emailed, mailed or faxed to you to
     complete and return

    • Ensures complete confidentiality and privacy




9
PROGRAM
                                                                       OVERVIEW




     Member Website
     What is included:                    How to log on:
     •   Features of the program          • Visit www.ipersonalhealthcenters.com
     •   Access communication materials   • Login using your iPHC account
     •   Health information               • Go to the Members Area and click on the
     •   Member videos                     Health Advocate Logo
                                          • Click on the member login link
                                          • Enter iPHC as the organization
                                          • Follow the steps to register by clicking on
                                           the registration tab




10
CORE HEALTH
                      ADVOCACY




     Feature 1

     Core Health Advocacy




11
CORE HEALTH
                                                               ADVOCACY




     What is the
     Core Health Advocacy service?
     Personal Health Advocates can help you and your eligible family
     members navigate healthcare and insurance-related issues.
     • Helping with complex conditions
     • Finding the right doctors, including specialists
     • Addressing eldercare issues
     • Clarifying insurance coverage
     • Helping to resolve claims issues
     • Helping negotiate medical bills
     • Locating the right services at the right time




12
CORE HEALTH
                                                                            ADVOCACY




     How does the
     Core Health Advocacy service work?
     • Call the single, toll-free number
     • You are assigned to a Personal Health Advocate (PHA)
     • Unlimited access to PHAs for healthcare and insurance-related issues
     • Same PHA works with you until issue is resolved, available for follow-up
     • PHA interacts with providers and health plans on your behalf




13
CORE HEALTH
                                             ADVOCACY




     Who is Eligible?
     • You
     • Your spouse and dependent children
     • Your parents and parents-in-law




14
CORE HEALTH
                                                                            ADVOCACY




     Special Help for Seniors
     We assist with retiree and eldercare issues:
     • Retirees transitioning to a new         • Locate eldercare services that fall
      health plan                                outside traditional healthcare coverage

     • How to enroll in Medicare               • Assist with the transition from
                                                 traditional insurance to Medicare HMO
     • Clarify Medicare A, B, D and
      supplemental plans                       • Facilitate early care
                                                 management intervention
     • Inform about pre-existing conditions;
      dependents under age 65

     • Locate and inform about adult day
      care, assisted living, long-term care




15
CORE HEALTH
                                                                          ADVOCACY




     Spotlight on $AVING$
     Health Cost Estimator™                  SavingsNet™
     • Estimates medical services costs by   • If insurance does not cover service,
      zip code                                finds other options

     • Summary report detailing              • Options include government programs,
      estimated costs                         community services, etc.

     • Information helps you become a        • Attempts to negotiate
      better healthcare consumer              provider discounts




16
CORE HEALTH
                                                                               ADVOCACY




     What are the features
     of the Core Health Advocacy service?
     • Find qualified doctors, dentists,        • Navigate insurance plan to
      hospitals and other healthcare             obtain appropriate approvals for
      providers, nationwide                      needed services
     • Expedite appointments, including         • Explain conditions, answer
      those with hard-to-reach specialists;      questions about tests, treatments
      arrange for specialized treatments         and medications to help you make
      and tests                                  informed decisions
     • Provide cost estimates                   • Assist with the transfer of medical
      for medical procedures                     records, X-rays and lab results
     • Untangle claims, negotiate billing       • Secure second opinions with a
      and payment arrangements,                  qualified healthcare provider for the
      uncover billing errors                     right care
     • Locate eldercare services, such as
      finding adult day care, assisted living
      and other related issues facing
      parents, parents-in-law

17
CORE HEALTH
                                                                         ADVOCACY




     What are the benefits
     of the Core Health Advocacy service?
     • Personal Health Advocates do the   • Easy for you to use
      legwork, available for follow-up
                                          • Helps you make better use
     • Helps reduce medical costs          of health benefits

     • Helps members improve health       • Saves you and your family time
                                           and money




18
CORE HEALTH
                                                                                ADVOCACY




     Real Stories. Real People. Real Results.
     Problem: Coverage for hospitalization
     Elizabeth had been trying for more than a year to get her health insurance to cover the
     cost of a lengthy hospital stay, as her plan stipulated.


                     Solution: Health Advocate found a coding mistake and worked
                     with Elizabeth’s doctor, hospital and health plan to correct it. After
                     four months, all claims were processed for payment, saving
                     Elizabeth $3,500.




19
WELLNESS




     Feature 2

     Wellness Program




20
WELLNESS




     What is the
     Wellness program?
     • Convenient, comprehensive program with unlimited Wellness Coaching
     • Wellness Coaches personally help you set and reach health goals
     • Coaching available through telephone or email
     • Comprehensive tools to support Wellness Coaching
     • Seamless integration with Core Health Advocacy for healthcare help




21
WELLNESS




     How does the
     Wellness program work?
     • Just call toll-free number or log on to website to connect with Coach
     • Work with same Coach to reach manageable health goals
     • Online tools include Health Risk Assessment (HRA) to learn risks for diseases




22
WELLNESS




     Who is Eligible?*
     • You
     • Your spouse
     • Your dependent children age 18 and older




     * Note: The eligibility for the Wellness program is slightly different from the other features.


23
WELLNESS




     What are the features of the
     Wellness program?
     • Unlimited Wellness Coaching          • Authoritative, online heath
      through telephone or email             information, from A-Z

     • Health Risk Assessment (HRA)         • MedChoice Support™ helps you
      summarizes risks for diseases          compare the pros and cons of
                                             medical options
     • HRA includes ways to reduce risks,
      including lifestyle changes           • Integrates with other Health Advocate
                                             program features
     • Online health trackers to chart
      blood pressure, cholesterol, etc.




24
WELLNESS




     What are the benefits of the
     Wellness program?
     • Personalized, action-oriented approach for long-lasting change
     • Addresses spectrum of healthcare and wellness issues
     • Integrates seamlessly, coordinates with Core Health Advocacy service
     • Improves health outcomes




25
WELLNESS




     Real Stories. Real People. Real Results.
     Problem: Risk for Diabetes
     After completing a Health Risk Assessment, Ann realized she was past due for
     a physical exam and promptly scheduled an appointment. Her doctor told her
     she had high cholesterol, and that she was pre-diabetic. She was also told she
     needed to lose weight, change her diet and exercise.

                    Solution: Ann’s Health Advocate Wellness Coach suggested
                    ways to eat healthier and use her lunch break to walk. In
                    addition, a Personal Health Advocate helped her locate a
                    diabetes education class.




26
MEDCHOICE
                      SUPPORT




     Feature 3

     MedChoice Support




27
MEDCHOICE
                                                                               SUPPORT




     What is the
     MedChoice Support program?
     • Interactive, online tool helps you understand and choose care options
     • Self-directed tool guides you through key health decisions
     • Learn risks, benefits and costs of each option, assess your feelings
     • Care topics range from medications to diagnostic tests and surgery, etc.




28
MEDCHOICE
                                                                             SUPPORT




     How does the
     MedChoice Support program work?
     • Log on to site, choose condition or topic for detailed information
     • You will be guided through six decision steps
     • Compare options, gauge feelings, record concerns, assess confidence
     • Decision summary can be printed to share with healthcare team
     • Personal Health Advocate available for assistance




29
MEDCHOICE
                                             SUPPORT




     Who is Eligible?
     • You
     • Your spouse and dependent children
     • Your parents and parents-in-law




30
MEDCHOICE
                                                                         SUPPORT




     What are the features of the
     MedChoice Support program?
     • Physician-reviewed information      • Practical assessments gauge
       on conditions from A-Z               personal needs and wants

     • Covers more than 150 decision       • Printable summary to share with
       topics, such as surgery, tests       healthcare team

     • Details less costly or less risky   • Integration with Core
       options with fewer complications     Health Advocacy service

     • Compares benefits, risks, costs,
       side effects, recovery, outcomes




31
MEDCHOICE
                                                                         SUPPORT




     What are the benefits of the
     MedChoice Support program?
     • Comparative measures support       • Promotes shared decision making
      consumer-driven health plans
                                          • 24/7 access
     • Latest information leads to less
      costly decisions and better care    • Saves you time and money

     • You may be less likely to use      • Integrates with other Health Advocate
      inappropriate care                   program features




32
COMMUNICATIONS




     Communications




33
COMMUNICATIONS




     Communications:
     Get Started Materials




        Email Announcement   Welcome Brochure       Member Poster   Wallet Cards




         Member Website       Table Tent        Member Video




34
COMMUNICATIONS




     Communications:
     Reminder Materials




         Member Newsletter   “Top Reasons to   Feature Flyers   Trifold
                              Call Us” Flyer




35
HOW TO
                       REACH US




     How to Reach Us




36
CONTACT US




     How to Get More Information:


              Telephone: 855.521.5313

              Email: members@ipersonalhealthcenters.com

              Website: www.ipersonalhealthcenters.com




     Sponsored by:




37

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Health Advocate Introduction

  • 2. TABLE OF CONTENTS Table of Contents Company Overview………………………......................................................... 2 Program Overview…………………….............................................................. 4 • Core Health Advocacy..…………………………………..………...……….... 11 • Wellness……………………………………………………………........…….. 20 • MedChoice Support………………………………………………........….….. 27 Communications……….………………………………....................................... 33 How to Reach Us……………………………………………...…………………... 36 1
  • 3. COMPANY OVERVIEW Company Overview 2
  • 4. COMPANY OVERVIEW Health Advocate Company Overview Providing personalized help resolving clinical, administrative and insurance-related issues. • Nation’s leader in healthcare advocacy and assistance • Serves 21 million Americans, through more than 7,500 clients • Expert staff of healthcare, benefits and claims professionals • One-source support for a variety of needs, saving time and money • Dedicated to finding the right answers • Independent and confidential 3
  • 5. PROGRAM OVERVIEW Program Overview 4
  • 6. PROGRAM OVERVIEW Welcome to Health Advocate Your New Health Advocate Benefit provides: • Three integrated features to make life easier: Feature 1: Core Health Advocacy Feature 2: Wellness Feature 3: MedChoice Support • Unlimited access for you and your eligible family members* • Health Advocate is provided by your employer or plan sponsor • A single number connects you 24/7 * Eligibility varies by program 5
  • 7. PROGRAM OVERVIEW How Health Advocate Helps The New Health Advocate Benefit provides: Feature 1: Core Health Advocacy Personal Health Advocates (PHAs) provide one-on-one help to resolve clinical, administrative and insurance-related issues Feature 2: Wellness Unlimited access to Wellness Coaching through telephone or email, plus online Wellness tools, to help you get—and stay—healthy Feature 3: MedChoice Support Self-directed online tool guides you through key health decisions to choose the medical care option that is right for you 6
  • 8. PROGRAM OVERVIEW An Important Note About Our Service Health Advocate • Does not replace health insurance coverage • Does not provide medical care or recommend treatment Rather, Health Advocate • Helps resolve healthcare and insurance-related issues • Interacts with healthcare professionals and insurance companies 7
  • 9. PROGRAM OVERVIEW Private and Confidential • We protect your privacy • All healthcare information is kept strictly confidential • We fully comply with the federal Health Insurance Portability and Accountability Act (HIPAA) 8
  • 10. PROGRAM OVERVIEW Medical Authorization Release Form • Authorizes Health Advocate to interact with your doctors, other providers and health insurance companies on the your behalf • One-page form can be downloaded from website or emailed, mailed or faxed to you to complete and return • Ensures complete confidentiality and privacy 9
  • 11. PROGRAM OVERVIEW Member Website What is included: How to log on: • Features of the program • Visit www.ipersonalhealthcenters.com • Access communication materials • Login using your iPHC account • Health information • Go to the Members Area and click on the • Member videos Health Advocate Logo • Click on the member login link • Enter iPHC as the organization • Follow the steps to register by clicking on the registration tab 10
  • 12. CORE HEALTH ADVOCACY Feature 1 Core Health Advocacy 11
  • 13. CORE HEALTH ADVOCACY What is the Core Health Advocacy service? Personal Health Advocates can help you and your eligible family members navigate healthcare and insurance-related issues. • Helping with complex conditions • Finding the right doctors, including specialists • Addressing eldercare issues • Clarifying insurance coverage • Helping to resolve claims issues • Helping negotiate medical bills • Locating the right services at the right time 12
  • 14. CORE HEALTH ADVOCACY How does the Core Health Advocacy service work? • Call the single, toll-free number • You are assigned to a Personal Health Advocate (PHA) • Unlimited access to PHAs for healthcare and insurance-related issues • Same PHA works with you until issue is resolved, available for follow-up • PHA interacts with providers and health plans on your behalf 13
  • 15. CORE HEALTH ADVOCACY Who is Eligible? • You • Your spouse and dependent children • Your parents and parents-in-law 14
  • 16. CORE HEALTH ADVOCACY Special Help for Seniors We assist with retiree and eldercare issues: • Retirees transitioning to a new • Locate eldercare services that fall health plan outside traditional healthcare coverage • How to enroll in Medicare • Assist with the transition from traditional insurance to Medicare HMO • Clarify Medicare A, B, D and supplemental plans • Facilitate early care management intervention • Inform about pre-existing conditions; dependents under age 65 • Locate and inform about adult day care, assisted living, long-term care 15
  • 17. CORE HEALTH ADVOCACY Spotlight on $AVING$ Health Cost Estimator™ SavingsNet™ • Estimates medical services costs by • If insurance does not cover service, zip code finds other options • Summary report detailing • Options include government programs, estimated costs community services, etc. • Information helps you become a • Attempts to negotiate better healthcare consumer provider discounts 16
  • 18. CORE HEALTH ADVOCACY What are the features of the Core Health Advocacy service? • Find qualified doctors, dentists, • Navigate insurance plan to hospitals and other healthcare obtain appropriate approvals for providers, nationwide needed services • Expedite appointments, including • Explain conditions, answer those with hard-to-reach specialists; questions about tests, treatments arrange for specialized treatments and medications to help you make and tests informed decisions • Provide cost estimates • Assist with the transfer of medical for medical procedures records, X-rays and lab results • Untangle claims, negotiate billing • Secure second opinions with a and payment arrangements, qualified healthcare provider for the uncover billing errors right care • Locate eldercare services, such as finding adult day care, assisted living and other related issues facing parents, parents-in-law 17
  • 19. CORE HEALTH ADVOCACY What are the benefits of the Core Health Advocacy service? • Personal Health Advocates do the • Easy for you to use legwork, available for follow-up • Helps you make better use • Helps reduce medical costs of health benefits • Helps members improve health • Saves you and your family time and money 18
  • 20. CORE HEALTH ADVOCACY Real Stories. Real People. Real Results. Problem: Coverage for hospitalization Elizabeth had been trying for more than a year to get her health insurance to cover the cost of a lengthy hospital stay, as her plan stipulated. Solution: Health Advocate found a coding mistake and worked with Elizabeth’s doctor, hospital and health plan to correct it. After four months, all claims were processed for payment, saving Elizabeth $3,500. 19
  • 21. WELLNESS Feature 2 Wellness Program 20
  • 22. WELLNESS What is the Wellness program? • Convenient, comprehensive program with unlimited Wellness Coaching • Wellness Coaches personally help you set and reach health goals • Coaching available through telephone or email • Comprehensive tools to support Wellness Coaching • Seamless integration with Core Health Advocacy for healthcare help 21
  • 23. WELLNESS How does the Wellness program work? • Just call toll-free number or log on to website to connect with Coach • Work with same Coach to reach manageable health goals • Online tools include Health Risk Assessment (HRA) to learn risks for diseases 22
  • 24. WELLNESS Who is Eligible?* • You • Your spouse • Your dependent children age 18 and older * Note: The eligibility for the Wellness program is slightly different from the other features. 23
  • 25. WELLNESS What are the features of the Wellness program? • Unlimited Wellness Coaching • Authoritative, online heath through telephone or email information, from A-Z • Health Risk Assessment (HRA) • MedChoice Support™ helps you summarizes risks for diseases compare the pros and cons of medical options • HRA includes ways to reduce risks, including lifestyle changes • Integrates with other Health Advocate program features • Online health trackers to chart blood pressure, cholesterol, etc. 24
  • 26. WELLNESS What are the benefits of the Wellness program? • Personalized, action-oriented approach for long-lasting change • Addresses spectrum of healthcare and wellness issues • Integrates seamlessly, coordinates with Core Health Advocacy service • Improves health outcomes 25
  • 27. WELLNESS Real Stories. Real People. Real Results. Problem: Risk for Diabetes After completing a Health Risk Assessment, Ann realized she was past due for a physical exam and promptly scheduled an appointment. Her doctor told her she had high cholesterol, and that she was pre-diabetic. She was also told she needed to lose weight, change her diet and exercise. Solution: Ann’s Health Advocate Wellness Coach suggested ways to eat healthier and use her lunch break to walk. In addition, a Personal Health Advocate helped her locate a diabetes education class. 26
  • 28. MEDCHOICE SUPPORT Feature 3 MedChoice Support 27
  • 29. MEDCHOICE SUPPORT What is the MedChoice Support program? • Interactive, online tool helps you understand and choose care options • Self-directed tool guides you through key health decisions • Learn risks, benefits and costs of each option, assess your feelings • Care topics range from medications to diagnostic tests and surgery, etc. 28
  • 30. MEDCHOICE SUPPORT How does the MedChoice Support program work? • Log on to site, choose condition or topic for detailed information • You will be guided through six decision steps • Compare options, gauge feelings, record concerns, assess confidence • Decision summary can be printed to share with healthcare team • Personal Health Advocate available for assistance 29
  • 31. MEDCHOICE SUPPORT Who is Eligible? • You • Your spouse and dependent children • Your parents and parents-in-law 30
  • 32. MEDCHOICE SUPPORT What are the features of the MedChoice Support program? • Physician-reviewed information • Practical assessments gauge on conditions from A-Z personal needs and wants • Covers more than 150 decision • Printable summary to share with topics, such as surgery, tests healthcare team • Details less costly or less risky • Integration with Core options with fewer complications Health Advocacy service • Compares benefits, risks, costs, side effects, recovery, outcomes 31
  • 33. MEDCHOICE SUPPORT What are the benefits of the MedChoice Support program? • Comparative measures support • Promotes shared decision making consumer-driven health plans • 24/7 access • Latest information leads to less costly decisions and better care • Saves you time and money • You may be less likely to use • Integrates with other Health Advocate inappropriate care program features 32
  • 34. COMMUNICATIONS Communications 33
  • 35. COMMUNICATIONS Communications: Get Started Materials Email Announcement Welcome Brochure Member Poster Wallet Cards Member Website Table Tent Member Video 34
  • 36. COMMUNICATIONS Communications: Reminder Materials Member Newsletter “Top Reasons to Feature Flyers Trifold Call Us” Flyer 35
  • 37. HOW TO REACH US How to Reach Us 36
  • 38. CONTACT US How to Get More Information: Telephone: 855.521.5313 Email: members@ipersonalhealthcenters.com Website: www.ipersonalhealthcenters.com Sponsored by: 37