This document discusses rising healthcare costs for employers and proposes a telehealth solution. It notes that healthcare premiums per employee rose to $10,475 in 2012 and up to 70% of doctor visits are unnecessary. The proposed solution, MD@U, allows unlimited access to licensed physicians via phone, text, or email for a low flat monthly fee per employee. This solution aims to reduce costs for employers by providing convenient medical care that avoids unnecessary office visits while improving employee satisfaction.

1. Healthcare 2014: Realities
and Opportunities
Nasir Kamal, MD
MD@U
Mobile Express Medical Care and Wellness

2. Our Mission
• As employers struggle to reconcile
skyrocketing healthcare costs with their desire
to offer attractive health and wellness benefit
packages, we seek to assist them with cost-
effective solutions that can increase employee
satisfaction, boost productivity, and lower
overall healthcare expenses.

3. Factoids
• The average total healthcare premium cost
per employee for large companies in 2012
was estimated to be $10,475.
• Up to 70% of doctor office visits are merely
informational and avoidable with a phone call,
e-mail or text message, according to the AMA.
• Companies that use telehealth and prevention
can reduce their healthcare costs by up to
26%, according to the American Jounral of
Public Health.

4. Into the Stratosphere
• Health Insurance Premiums are Rising Rapidly
– PPACA places additional demands and regulations
on insurance companies, who will aim to pass on
the additional anticipated costs to the consumer.
– The cost of existing healthcare services is
increasing at a higher rate than overall inflation.
– Newer and more costly pharmaceuticals,
diagnostic tests and treatment modalities are also
fueling a higher demand for expensive healthcare
services.

5. Conserving Healthcare Dollars
• Utilization Management is Vital to the
Financial Viability of any Health and Wellness
Benefits Program.
– Self-insured groups are becoming more common
– Health insurance companies study your group’s
utilization patterns , claims history and risk profile
in order to establish rates and plan offerings.
– The most common category of utilization for many
groups is Physician Office Visits, up to 70% of
which can be largely informational and avoidable.

6. An Issue of Access
• Traditional Primary Care Offices Will Continue
to Face an Increasing Demand for Services.
– A worsening nationwide shortage and
misdistribution of primary care physicians.
– Expect longer wait times to get an appointment
with your doctor.
– Physicians will continue to face increased time-
constraints as they attempt to accommodate the
increased demand from an aging population.

7. The Employee Gets Squeezed
• Patients will continue to bear an increasing
percentage of healthcare expenses in the form of
higher deductibles, higher copayments, and “limited
benefit” health insurance plans.
• Many individuals may find it cheaper to pay the
PPACA penalty for not buying health insurance.
• As sick leaves are reduced into general PTO hours,
more employees might show up sick to and
potentially expose their colleagues to infectious
diseases.

8. A Perfect Storm
• Increasing Costs
• Increasing Demand
• Countless Avoidable Physician Office Visits
• Decreasing Access with limited MD Availability
• Cost-shifting to the Employee
• Decreasing Employee Satisfaction and Loyalty
• Higher Employee Turnover
• Lost Productivity

9. A Lose/Lose Proposition
• The above realities are continuing to force
employers to reduce their health and wellness
offerings.
• This can have the following undesirable
consequences:
– Poor recruitment and retention of top talent
– Higher rates of absenteeism
– Decreased employee satisfaction and morale
– Lower productivity and a poorer bottom line.

10. A Prescription for Success
• Direct same-day consultation access to licensed
US MDs from virtually any cell phone or mobile
device via voice, texting or email
• Unlimited service for an unbelievably low rate per
employee per month
• Unmatched value and efficiency
• No long-term contracts, satisfaction guaranteed
• Compatible with virtually any health benefits
package and/or wellness program

11. What Makes Us Unique?
• No expensive hardware or tech expertise needed.
• A dedicated MD is accessible from virtually any cell phone
or other mobile device via voice, texting or e-mail.
• Uses state-of-the-art HIPAA compliant communications
technology that enables us to maintain “the human touch”.
• A single, low flat monthly fee for unlimited usage.
• Includes direct physician consultation and advice,
diagnostic and therapeutic recommendations, and
prescriptions when appropriate.
• No bills are ever sent to insurance companies.
• A dedicated, locally licensed physician is at your service, not
an unknown provider thousands of miles away.

12. A Paradigm Shift
• Traditionally, employees have obtained healthcare
services by waiting for an appointment, taking time
off from work, traveling to a healthcare facility,
paying a copayment, waiting some more, finally
getting seen hastily and receiving a treatment
recommendation and/or prescription.
• We eliminate the above-mentioned steps by
empowering your employees with prompt,
competent and compassionate physician care that
they can access at their convenience from their cell
phone or other mobile device. All this for a flat
monthly fee with unlimited usage.

13. An Invitation to Share Ideas
• The people of MD@U understand that business
owners face an ever-growing dilemma when it
comes to offering health and wellness benefit
packages.
• We would love to talk about how your group can
effectively employ MD@U as a low-cost add-on
service to strengthen your existing set of benefits.
• We always welcome your comments and
feedback.

14. The Fine Print
• Please read: We have nothing to hide!
• We are not health insurance, nor do we sell or
endorse any health insurance company or plan.
• Our physicians are happy to serve your needs in a
medically and legally appropriate manner.
• We are not a replacement for your primary care
provider, a relationship with whom we encourage
you to maintain for your ongoing healthcare needs.
• In the event of a medical emergency, call 911 or
proceed to the nearest emergency room.

15. MD@Usm
Mobile Express Medical Care and Wellness
Simply Your Health. Simply Your Way.sm
Get Your Health On!sm

16. SAVE TIME. SAVE MONEY.
MD@Usm
Mobile Express Medical Care and Wellness
Simply Your Health. Simply Your Way.sm
No Deductibles. No Copayments.
No Waiting Rooms. No Doctor Bills.
Call, Text, or Email
(949) 547-0298
doctor@getyourhealthon.net