1. Welcome to CADR+
Healthcare the way it should be!
Updated: June 25th, 2013

2. THE STATE OF HEALTH CARE
 Average family spends $1,430 and loses around 35
hours each year to doctor’s office visits alone
 That’s about $120 and 3 hours every month
 Most doctors offices are closed 75% of the hours/week
 Over 66% of ER visits are for non-emergency reasons
 25% of people have skipped a recommended medical
test due to cost
 24% of people do not fill their prescriptions
 Over 75% of Doctor visits originate from stress factors
 1 in 3 Americans state their level of stress is “extreme”

3. GETTING TO THE DOCTOR
 Difficult to meet face-to-face with a physician/specialist
(and getting harder all the time)
 Difficult to get a timely appointment
 Can be difficult to actually get to the appointment
 Emergency Rooms and Urgent Care are frustrating and
expensive options
 Missing work can be a costly proposition

4. THE BOTTOM LINE…
 Getting well has become extremely inconvenient
 Additionally, it isn’t cheap
 For most people, healthcare reform will inevitably lead to
 Increased costs
 Longer waits
 Shorter interactions
 Increased stress levels

5. A NEW PARADIGM
 Cell phones (early ’80s)
 Google (late ’90s)
 Online banking (past 3 years)
 Telemedicine or telehealth (next 5 years!)
 4 of 5 office visits can be better handles over the phone
 Over 90% of calls solve problem with no need for follow-up
 89% of Healthcare executives believe telemedicine will
transform Healthcare in the United States

6. WELCOME TO CADR+
CADR+ is a program designed specifically to save
you time and money by utilizing technology to
provide efficient, immediate access to Healthcare
solutions and other personal services.

7. UNLIMITED, 24/7 ACCESS…
 U.S. Based, Trained, Board Certified Doctors
 Bill Review & Mediation Specialists
 Telephone Consultations
 Legal & Financial Services
 Discount Health Card
 Online Life Resources
All from the comfort and convenience of your
phone or computer!

8. ANYTIME, ANYWHERE, ANYONE
 Unlimited access, unlimited value
 Instant, 24/7 availability, from wherever you are
 High-quality healthcare, the moment you need it
 Peace of mind, for you and your family
 Connect in minutes to the help you need
 Total care, for your body, mind and wallet
 Only $.66 per day, for the entire family!
Finally… the care you need, on your schedule!!

9. CONSULT A DOCTOR
 The backbone of the CADR+ program
 A technology that connects you with a physician
 On-demand, 24/7 access by phone, email and video
 A network of of U.S.-based, state-licensed doctors
 Diagnosis and prescriptions or common conditions
 ePrescriptions and Electronic Health Records
 SureScripts provides two years of prescriptive history
 All consultations are recorded and added to your EHR

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

11. 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

12. 50 STATE PHYSICIAN NETWORK
 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

13.  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
 No $$ incentives to prescribe meds
 More convenient & accessible
 Less effort or aggravation for patient
~40%
 Cipro
 Lisinopril
 Tamiflu
 Prednisone
 Metformin
 Flonase
 Diflucan
 HCTZ
 Levaquin
Of the top 50 diagnosis treated
with telemedicine
 Stomach Ache/Diarrhea
 Eye infections
 Ear Infections
 Rash/Skin Irritation
 Yeast Infection
 Other GYN complaints
Common Medications PrescribedCommon Conditions
82%
Patients triaged to alternative
level of care when necessary

14. 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 1,000’s of hours of lost
productivity due to medical absenteeism.
14
HOW CADR+ REDUCES COSTS

15. STATS:
 2300 employees
 26 locations
 7 states
 17% utilization
 99% satisfaction
 413% ROI
SAVINGS:
Office visits $18,337
ER visits $121,849
Urgent Care $5,195
Productivity $82,170
Total (annual) $227,551
Video: http://cadr.biz/AADQv
Chris McCool, SVP Sales & Marketing
CASE STUDY

16. USE CONSULT A DOCTOR WHEN
 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

17. A WHOLE LOT MORE!
CADR+ provides a host of additional resources, all
specifically selected to give you the very best group
of services available for achieving true wellness!

18. 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 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

19. BILL REVIEW & MEDIATION
 Provides a personal negotiator who acts on the
patient’s behalf, mediating solutions directly with
medical facilities.
 Who is eligible?
 Active member of the CADR+ program
 Received care for a single related medical event at a hospital,
emergency clinic or surgical center
 Minimum of $2,500 balance after discounts & are benefits applied.
 Solutions could include:
 Applying for financial assistance
 Negotiating a settlement
 Arranging a payment plan

20. FREE DISCOUNT CARD*
 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!
*CADR+ membership not required for WellCard Discount program.

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

22. LEGAL & FINANCIAL SERVICES
 Attorney consultations by phone or face to face*
 Domestic/family, civil, landlord/tenant, criminal, estate
planning, immigration, motor vehicle, etc.
 Free online legal documents for all eligible dependents
 Simple Wills, Power of Attorneys, Living Wills
 Financial consultations by phone*
 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

23. ONLINE LIFE 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

24. SELFCARE AND WELLBEING
A partner to help you achieve positive, long-
term improvement in health and wellness
 Fitness
 Smoking cessation
 Weight management
 Stress management
 Targeted webinars
 Discount Center
 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!

25. WHAT’S IN IT FOR THE MEMBER?
Convenience:
 Licensed physicians and industry professionals available 24/7/365
 No waiting rooms, no closed offices, no waiting weeks for an appointment
 Receive answers and treatment within minutes via phone, email, or video
Peace-of-mind:
 100% acceptance regardless of preexisting conditions or age
 No limitations on usage
 Board certified, state specific Physicians and other Aetna vetted partners
 “Do it for yourself; do it for the ones you love”
Money-savings:
 Significantly less expensive than typical Office, ER/UC visits
 Saves on out of pocket expenses i.e. high deductibles, co-pays
 Less time off needed for next day doctor appointments
 Bill mediation available in the event of excessive medical billing

26. WHAT’S IN IT FOR EMPLOYERS?
Saves Money:
 Avoids many costly visits to doctors, urgent care and ER
 Lowers total cost of healthcare
Saves Time:
 Less employee time off work
 Early intervention & recovery leads to increased productivity
Happier, Healthier Employees:
 Goodwill: employees love it!
 Fosters self-directed wellness (online tools)
 Address hidden mental health issues
 Additional lifestyle / concierge resources for “everyday living”

27. Improve Access
Multiple ways to
Consult 24/7
Lowers Cost
Avoid high cost settings
like the Doctor’s office,
Urgent Care/ER
Care Coordination
24/7 consultations
Clinically efficient, effective
and most convenient
Quality Care
Qualified professionals 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
Get Well Fast
Affordable Cost Setting
Better Outcomes
+ ++

28. THANK YOU!!