most affordable healthcare plan for every employer and americans

Presented by

WaveFront Brokerage Services

Welcome to Cloud Based Telemedicine Solutions

Revolutionizing Healthcare Access & Delivery

NOTE: This is NOT a Nurse Help Line

UNLIMITED24/7 Access to Doctors

Licensed, Board Certified & reside in the USCredentialed using NCQA standardsAvailable by phone, video, or email

Diagnose, prescribe, informService available in all 50 states

Less than $15/month…for the ENTIRE family!

Plus, Electronic Medical Records

Of USA’s GDP will be spent on healthcare by 2017US Health & Human Services Dept.

Of the time Doctors offices are closed during week

Average wait time to make a doctor appointment

Average wait time in physician’s waiting room

Some Key Stats…

19.5%

76%

3 weeks

23min.

Did You Know…

Top 3 ER visits in 2012 were Ear, Sinus, Upper Respiratory Infections

Not broken bones or car accidents American Medical Association

Did You Know…

4 of 5 of all ER, urgent care, and doctor office visits could be better handled over the

phone…safely and effectively.

American Medical Association

Did You Know…

92% of consultations with CADRPlus doctors are

resolved without the need for a follow-up.

89% of healthcare executives believe telemedicine will

transform healthcare.

The Solution:

Revolutionizing Healthcare Access & Delivery

• UNLIMITED, 24/7 Access to DoctorsNO additional charges; NO limits to how many times you use it; 24/7/365 day access

• Convenient, on-demand, anywhere• Comprehensive

For the body & mind – work issues, stress issues als o included

• Best in class care, services, technology• Low monthly cost

At less than $15/month for entire family virtually everyone can afford

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 the healthcare system.

The lowest cost, highest impact soluction to many of the issues plaguing the healthcare system today.

So, how does this program work?

= +

Member Benefits

Access to a nationwide network of 5,000+ licensed, board certified doctors & specialists anytime, anywhere – day or night; no one is denied, and there is no waiting, period.

Multiple Ways to ConsultCADR+ provides a technology and service platform which allows

patients & members to consult with physiciansvia Telephone, Mobile APP, Video, On-line, Email & Text,

on an immediate basis, 24/7/365

Give them a call and you will be connected within 2 minutes!

Multiple Ways to Consult

SAVE TIMESAVE TIME

Diagnostic & Wellness Testing In 3 Steps:

Order Test

�Select wellness panel

�Complete order online

�Approval in as little as 30 minutes

Go to Lab

�Receive notification of lab requisition

�Print online lab order

�Visit local lab

�Get tested

Get Results

�Receive notification

�View results online

�Consult with a doctor immediately about results

�Send results to your Doctor

SAVE TIME SAVE MONEYREPLACE UP TO 2 DOCTOR VISITS PER TEST

Average physician response time

Average consultation duration

Avoided a doctor office visit, Urgent Care or ER visit

QA follow up with patient, within 72 hours of consult

Reported being very satisfied with their consult (highest in the industry)

Key Stats…

22min

15+min

92%

100%

97%

Member Benefits

Resources For Living Employee Assistance Program (EAP)

• Customized EAP, Work/Life & Concierge Services supporting all facets of your life.

• UNLIMITED telephonic consultation.• 24/7 access to vetted life coaches, counselors & professionals

handling issues such as crisis counseling, legal, financial, ID theft, life coaching & work issues.

• 100% private, confidential• Tailored for personal needs, plan of attack• 170 languages supported• Online Resource Center

Member Benefits

PATIENT ADVOCACY• The Karis Group• For hospital and medical balances $2,500 and up• Negotiates on your behalf to reduce balance; set up a

payment plan; or establish final payment• Drives down cost significantly (national average cost savings 30%)

Resources For Living

How it Works: Give it a TRY!Phone Number

1-877-856-1788Website

www.mylifevalues.comLogin: CADRPdemoPassword: demo

Pick Your PlanFamilies & Individuals

Unlimited, 24/7 AccessIndividual Enrollment

Credit Card or Bank PaymentUp to 6 Family Members

$14.95/month

Employee Voluntary

Unlimited, 24/7 AccessMultiple Employee Groups

Opt-In Enrollment/Payroll DeductUp to 6 Family Members

$12.95/month

Employer Sponsored

Unlimited, 24/7 AccessMultiple Employee GroupsWhole Group EnrollmentUp to 6 Family Members

$10/month

NO Underwriting, ALL Qualify – Pre-existing Conditions Included

Employer Cost Savings The savings for an employer comes by way of five components:1. Through employee utilization and participation fewer claims are paid and

therefore less insurance is used. This impacts cost differently depending on the plan the employer is providing to his employees.a) If you are self insured with a stop loss, every month you are paying

your own claims up to the cap. Even if your claims are small one month you continue to pay in the larger amount creating a reserve for unknown future use. CADR+ impact: Reduction in claims via CADR+ means less to payout and less to reserve, the impact is immediate.

b) If you are fully insured, less insurance is used annually. CADR+ impact: At the end of the year the insurance company’s rate renewal will effect the reduction in insurance used and therefore the rate renewal will be less.

Employer Cost Savings

2) Part of insurance cost is driven by administration. There is a cost to administer claims regardless of size. The reason why higher employer deductible plans are less expensive than lower deductible plans is because of the claims administration. Higher deductible plans mean fewer claims to administer. CADR+ impact: Using the CADR+ system eliminates a substantial portion of the number of claims to administer providing cost savings.

3) Productivity and fewer hours missed from work. We know that people will take time off to see a doctor when sick for either themselves or a family member. Typically we compute that to be a half day or 4 hours. CADR impact: We are confident that time-off is reduced through the convenience and immediacy of telemedicine.

Employer Cost Savings

4) Wellness in general. CADR+ impact: Early medical intervention means better medical results, which computes to a healthier more productive workforce. This is the foundation of all the wellness programs in the marketplace. The difference with CADR+ is that it doesn’t require long term behavioral change to take place to affect cost. Cost can be affected immediately through it’s use.

5) 45% of all employee absences are driven by some mental debilitation/problem; yes we can get sick when we are stressed and dealing with non work related problems. CADR+ impact: The ability to speak with a licensed clinical social worker 24/7 and unload those burdens will keep people healthier and more productive. People do come to work distracted and in a funk….CADR+ can help them through their personal, financial or legal problems with just a phone call.