The leader in non-insured health, personal security, financial, travel and leisure benefits 27 Years in Business 25 Million Members One Company Headquarters: Dallas, TX Strategic Partner to Jacobson Associates (NFP Benefits Partners)
Primary Challenges Today s Benefits Experience Affordability for employer & employee Access to healthcare difficult and not convenient Healthcare Knowledge consumers lack resources (advocacy) Administrative Burden more options more confusion Out of Sight, Out of Mind employees are not engaged/empowered
WHY NON-INSURED BENEFITS? Complement traditional insurance Help employees save money on healthcare by reducing out-of-pocket expenses Reduce claims experience (i.e. unnecessary ER visits) Promote wellness No health restrictions No limitation on how often benefits can be used Benefits can be used by the entire immediate family
Targeted Solution Packages
TELEHEALTH PACKAGE COMPLEMENT TO TRADITIONAL INSURANCE STRETCH HEALTH CARE SPENDING DOLLARS INCREASED ACCESS POINTS TO CARE & GUIDANCE CORE COMPONENTS Teladoc ($0 Consult Fee) Doctors Online Health Advocate (Nurse Line, Medical Bill Saver)
Telehealth No Consult Fee 72% of doctor visits could be handled over the phone 24/7 access to a doctor via phone or video consult Doctors prescribe medication when necessary Avoid visits to primary care physician, urgent care or ER for non-emergency issue U.S. board-certified doctors with an average 15 years experience Smartphone App provides immediate access
Teladoc tackles the biggest problems in healthcare: Access, Quality and Cost More patients (30MM uninsured) Fewer PCPs More visits and longer wait times (19 day average) Misuse of ER 80% go due to of lack of access; 85% couldn t wait to see their PCP Increasing costs Resolution to patients' issues The Teladoc (re)solution 92 % 24/7 10min 70% $673 Access to a doctor Median response time Of all telehealth visits in 2016 Average savings per claim
Healthcare is becoming harder to understand. Personal Health Advocates help you navigate through insurance and healthcare systems. Advocates research treatments, resolve claims and locate doctors, specialists, hospitals, dentists and pharmacies. Skilled negotiators will attempt to negotiate discounts on your behalf, no matter your benefit status. Registered nurses are oncall 24/7 to answer questions and provide medical explanations. + Untangle medical bills and insurance claims + Clarify benefits and answer questions about tests, treatments and medication options + Coordinate care among multiple providers + Assist with eldercare and related healthcare issues + Arrange second opinions and transfer medical records Health Advocacy Skilled negotiators will attempt to negotiate discounts on medical and dental bills on your behalf, no matter your benefit status. Advocates negotiate payment arrangements with providers and find options for non-covered services. + Lower out-of-pocket costs on medical or dental bills over $400 + Negotiation can result in 25-50% savings + Personal Savings Result Statement summarizes outcome and payment terms + Provider sign-off on payment terms and conditions Medical Bill Saver
How do I save on Prescriptions? Pharmacy Use Discount Card for prescriptions not covered by insurance Includes medications to treat acne, hair/weight loss, infertility, cancer and more For covered prescriptions, present insurance and Total Advantage Card Pharmacist will run both to see which one will cost you less out-of-pocket Sometimes it can even be less than your co-pay! Accepted by 60,000+ pharmacies average savings of 45% CVS, Walgreens, Wal-Mart, Target, Winn Dixie and many more 10-85% savings on medications with no limit on usage for entire family DRUG PRICE LOOKUP
Discount programs complement your dental plan with: Savings of 15% to 50%* off cleanings, x-rays, fillings, root canals & crowns Specialty care included: Orthodontics, Periodontics & Endodontics Unlimited use before and after you reach your plan maximum Immediate availability on any major services Cosmetic dentistry INCLUDED for entire family Dental Savings Over 195,000 participating Aetna dentists nationwide Procedure Average Cost Discount Card Oral Exam $81 $41 X-Ray, Intraoral $135 $72 Filling $161 $86 Crown $1,121 $692 Root Canal $1,053 $706 Upper Denture $1,256 $844 Orthodontia $5,409 $3,558
Vision Savings 20% to 60% savings on eyewear including frames, lenses & specialty items 10% to 30% savings on medical eye exams and surgical procedures 40% to 50% off the overall national average for LASIK 10% to 40% savings on soft contact lenses including disposables Over 20,000 participating providers nationwide including LensCrafters, JCPenney, EyeMasters, Pearle Vision, Sears, Target and many more NO LIMIT on exams, contacts or eyeglasses for the entire family EXAM & GLASSES Retail Cost Discount Card Exam $48.00 $43.20 Frame-Via Spiga Treviso 710 $209.95 $79.95 Single Vision Lenses $59.00 $24.95 Transitions $100.00 $58.00 Anti Reflective Coating $50.00 $29.95 Totals $466.95 $236.05 CONTACTS Discount Card 1-800-Contacts VisionDirect.com Acuvue Oasys $21.95 $29.99 $25.99 O2 Optix $17.75 $24.99 $19.99 PureVision Toric $36.00 $54.99 $43.99 SofLens Multi-Focal $36.00 $44.99 $39.99 Vertex Toric $24.00 $38.49 $38.99 PureVision Multi-Focal $39.75 $64.99 $44.99
Additional Savings Hearing Aids Offering leading manufacturers including Siemens, Rexton, Miracle-Ear, Phonak, ReSound, Unitron, Oticon, Sonic Innovations, Starkey, and Widex. Lab Testing Save 10% to 80% off usual charges for lab testing The network will help you find the location of the nearest major clinical laboratory and provide the necessary order. MRI & CT Scans Save 50% to 75% off usual charges for imaging services Large nationwide panel of radiologists and imaging specialists with over 2,900 radiology centers throughout the United States. Vitamins Toll-free and online shopping. Choose from brand names you know and trust such as Country Life, Natures Way, Twinlab and Enzymatic Therapy Up to 80% savings on the retail price of over 12,000 products Diabetic Supplies Product packages are priced up to 60% off the average competitors' retail prices
IDENTITY THEFT The news is overflowing with stories on data breaches, computer hacks, black market crime, and black hat criminals. As an employee benefit, ID Theft Monitoring and Resolution may not seem the obvious choice. But, it is. The Internal Revenue Service identified over 2.1 million fraudulent tax returns for 2014. Every year more individuals are impacted by this crime. Employers experience: + Distracted employees at work as they try to recover their losses and restore their credit + Absenteeism as employees meet with banks, creditors, attorneys or police + Long lasting effects as problems can surface months or even years later Employees experience: + Calls from debt collectors on unfamiliar purchases + Bills from medical providers on unknown services or a rejection for medical services + Frozen bank accounts and overdraft fees + Credit card rejections and notices on outstanding loans
SECURITY PACKAGE Premium Protection Emergencies are never planned. ID Sanctuary Premium provides protection for life on the go. ID Sanctuary provides proactive monitoring to detect ID theft and the recovery assistance tools needed to quickly respond to an identity or fraud crisis. With ID Sanctuary, your employees will receive immediate, personalized attention from a fraud specialists. They will help recover your employees good name so focus can be kept where it should be - on work. Your employees will rest easy knowing Global Travel Assistance can help with the following medical services: worldwide medical & dental referrals, monitoring of treatment, facilitation of hospital payments, transfer of insurance information to medical providers, and more. Prepare your employees for bumps in the road. Roadside Assistance provides dependable road and tow services, including towing up to 10 miles, flat tire changes, locksmith services, dead battery assistance, gas delivery and more. Car trouble happens, but Roadside Assistance will get your employees back on the road and in the office in no time!
Target, The Home Depot, Anthem who s next? Identity thieves target Americans of all ages at all stages of their lives from childhood, college, and marriage to home ownership and retirement More organizations are providing identity theft management services to their customers and members ID Sanctuary provides the proactive tools and recovery assistance employees need to quickly respond to an identity or fraud crisis Unlimited 24/7 resolution assistance Step-by-step guidance through the identity resolution process ID Theft Protection
Global Travel Assistance When employees travel 100 miles or more from home, help is just a phone call away Members rest easy knowing they have a global network of doctors, 24/7 assistance personnel, and emergency benefits This benefit helps in the following situations: Emergency medical evacuation Monitoring of treatment Replacement of lost or stolen travel documents Transportation to join a family member in the hospital Travel for dependent children Pre-travel and security information Coordination of hospital payments and insurance Medications and vaccines Transfer of money Translation services Return of mortal remains Global Travel Assistance is not available to OR, FL and WA residents.
Available 24 hours a day, 365 days a year Up to 10 miles towing (up to $50 retail value) per occurrence maximum for covered charges Covers Member, spouse and dependent children up to age 21 permanently residing at registered address Towing Assistance Flat Tire Assistance Fuel, Oil, Fluid and Water Delivery Service Lock-out Assistance Battery Assistance Collision Assistance Roadside Assistance
With a national average hourly rate of $381, contacting an attorney may seem out of reach. Give your members access to free and discounted rates on services from experienced lawyers. Attorneys help with traffic tickets, bankruptcy, divorce, spousal and child support. Additional services are also available at no cost. Legal Services Free services* include one-on-one consultations, attorney-made phone calls, help with legal documents, assistance with welfare and INS, representation in small claims court, and a Simple and Living Will Attorneys only charge $125 an hour or 40% off their hourly rate, whichever is greater Members receive 10% off all contingency-based cases Members are referred to plan attorneys based on location, language and area of law Capped fees on eight commonly used legal services, which include: o Traffic ticket defense $ 89.00 o Name change $155.00 o Real Estate closing $250.00 o Chapter 7 Bankruptcy $750.00 o Simple Divorce $275.00 o Simple will with trust $250.00 o Non-support (spouse/child) $275.00 o Regular incorporation $295.00 *In certain situations, attorney liability may require plan attorneys to ask for a retainer prior to providing some of the free legal services.
MEMBER EXPERIENCE EASY ACCESS! Three Ways to Get Benefit Information: Membership kit with booklet & card received in mail MyMemberPortal.com Call center for all inquiries
EMPLOYEE ENGAGEMENT Encourage employee participation by sending timely and informational promotional pieces. We provide a library of marketing material including breakroom posters, payroll stuffers, flyers, emails, postcards, brochures, newsletter copy. Postcards Posters Flyers
BENEFIT REMINDERS To ensure employees get the most out of their benefit program, we provide materials to send throughout the year. TELEHEALTH PACKAGE HEALTH ADVANTAGE PACKAGE SECURITY PACKAGE
QUESTIONS Disclosures: This plan is NOT insurance. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR 5.00. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 671309, Dallas, TX 75367-1309, 800-800-7616. Website to obtain participating providers: MyMemberPortal.com. Not available to VT Residents. Disclaimers 2016 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Consults are not available outside of the U.S. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7am to 9pm, 7 days a week.