Clarion Care is a benefits administration platform that aims to save employers and employees time and money on healthcare costs. It allows employers to make a single monthly payment into employee Clarion Care accounts, giving employees tax-free money to purchase qualified health insurance and pay medical expenses. On average, employers can save over $9300 per employee annually in healthcare costs by using Clarion Care. It streamlines benefits administration and gives employees easy-to-use tools to manage their health spending and insurance choices.

2. Save Money

4. Outside of core

5. Employee dissatisfactionSource http://ehbs.kff.org/images/abstract/7791.pdf 2008 Health Insurance Benefits Kaiser Family Foundation But you already know all of this… So

6. Employer HSA Savings EMPLOYER $5000* Towards a Clarion Care account $9345 Per employee on average $750,000 New health benefits costs $1,350,000 Currently spent on Benefits + Time, Effort, Research, Guessing - Time, Effort, Research, Guessing $578,400 Minimum Savings in a year * Contributions are set by you on a monthly basis

7. Clarion HSA Savings INDIVIDUAL(Family)/EMPLOYEE $3996 Towards qualified insurance $3767 For traditional premiums $5000 Tax free through Clarion Care + Deductibles, co-pays, co-insurance $3500 Spent on medical services a year = $4500?? $2004 Savings in a year* * Tax savings are not included in calculations

8. How Clarion Works Instead Of Negotiating This Guides and Informs Employees Single Payment, Multiple Choices Simple, Easy, Efficient You Contribute This Medical Dental Alternative Emergency

9. Value Add of Clarion Pay Once Process Health Benefits Distribution Easy Administration Help Educate Employees Secure Web Interface EoY Tax Form Creation Store Medical Records Track Spending Get Medical Surgery Pricing Easily Print out Tax Forms Information Sharing and Community Building Comparison Shop for approved HD and HSA accounts

10. 7 Things to Know 1.) Contributions can earn interest and be invested. 2.) Your balance rolls over from year to year. 3.) There is no “use it or lose it” provision. 4.) Contributions are the property of the accountholder, not the employer. 5.) They are portable. Employees keep their HSAs even if they change jobs. 6.) HSA’s have debit card access 7.) HSA contributions can come tax free from any source.

11. Why it works For Employees For Businesses Free to choose Dr’s Lower H expenses Tax free money Health Management Interface Save money Save Time Focus on your core Simple Health Contributions

12. Contact Clarion Care www.clarioncare.com 800.590.4110 customerservice@clarioncare.com