Cantor Health Interactive has acquired new healthcare management software to help businesses reduce costs. The software utilizes predictive modeling and simulation to identify unexpected medical and pharmaceutical expenses. It provides tools to monitor costs, understand cost drivers, and implement programs to educate employees and incentivize lower costs. For example, it can encourage switching to generics. Over 100 businesses tested the system, achieving average savings of over 15% on total healthcare costs.

1. Bringing Down The Cost
Of Healthcare
Manage • Measure • Control

2. CANTOR HEALTH INTERACTIVE, a subsidiary of Cantor Fitzgerald, has
acquired a new healthcare software management tool to help businesses
monitor and reduce their healthcare costs. Cantor Fitzgerald, a
leading global financial services firm at the forefront of financial and
technological innovation, has been a proven and resilient leader for
over 60 years. One of 18 primary dealers authorized to trade U.S.
Question:
government securities with The Federal Reserve Bank of New Why do companies
York, the Cantor Fitzgerald franchise includes institutional fixed know more about
income, equity sales and trading, investment banking, real the cost of their
estate private equity, and other businesses and ventures. inventory and
supplies than
the cost of their
healthcare?
Answer:
NO REASON.
CANTOR HEALTH INTERACTIVE
Utilizes proprietary predictive modeling and
simulation capabilities to prevent businesses
from being blindsided by unexpected medical and
pharmaceutical costs
• Simplifies healthcare management information
• Allows clients to understand/pinpoint the source and
magnitude of specific healthcare costs
• Gives businesses the tools to educate employees and
Average savings provide incentives to lower costs today and limit increases
with Cantor in the future
Healthcare • Secure
Interactive • HIPAA – compliant
of more than 15%
of total healthcare
costs

3. UNDERSTAND WHERE YOUR COSTS ARE
HAVE THE ABILITY TO PROJECT YOUR
FUTURE EXPENDITURES
Plan Trends
REDUCE YOUR COST OF DOING BUSINESS
Performance
MANAGE AND CONTROL FUTURE
EXPENDITURES
Leverage Rx
Data to Save
Money
Action Plan
Using prescription drug data, Cantor Health Interactive turns this
information into active strategies, enabling employers to understand
where their risks are before they surface.
HEALTH
www.cantorhealthinteractive.com

4. For more information, or to arrange an initial
demonstration, please contact us:
info@cantorhealthinteractive.com
1-877-994-3251
ST P RISING HEALTHCARE COSTS

5. Overview
Cantor Health Interactive, (“CHI”), a subsidiary of Cantor Fitzgerald, has acquired a
new healthcare software management tool to help businesses monitor and reduce their
healthcare costs. The CHI technology utilizes proprietary predictive modeling and
simulation capabilities to reduce medical and pharmaceutical costs.
Stage 1
The starting point for a business is:
(a) it licenses the CHI software to allow it to monitor, understand and have the
analytical tools to evaluate its pharmaceutical and medical costs, and
(b) self-insures the pharmaceutical portion of its healthcare program to reduce its
costs. (A business may choose only to license the software to allow it to
understand and evaluate the nature of its healthcare costs; but, the initial savings
are derived from self-insuring the pharmaceutical plan.)
If a business self-insures its pharmaceutical plan, CHI can provide stop-loss coverage so
that there is no financial risk to the business.
Stage 2
Once a business understands the sources and magnitude of its pharmaceutical costs, it can
achieve significantly greater savings on its other medical expenditures by utilizing CHI’s
software and implementing recommended programs.
CHI’s software identifies high risk groups within an employee population, and
allows management to determine and deploy specific cost reduction programs,
such as:
1) utilizing the workflow engine to identify groups that could be encouraged
to switch to generic or more effective medications
2) providing incentives to begin certain medications (where appropriate) and
to engage in healthier behavior
3) access to doctors and nurses by telephone and internet, to be available to
work with participants to improve health and lower claims
4) system alerts related to prescription abuses or under use
5) system alerts to employees, physicians and nurses as to new treatments,
approaches or medications targeted at specific conditions.
6) pre-booking of certain medical services
CHI’s program also reduces insurance brokerage fees and hidden insurance company
profits. To date, the CHI technology and software has been tested by more than 100
businesses and has produced an average savings of 15% on total healthcare costs.

6. Cantor Fitzgerald Launches New Technology Offering to
Reduce Corporate Healthcare Costs
New York, NY (October 26, 2009) - Cantor Insurance Group, a unit of Cantor Fitzgerald LP, has joined with
Healthcare Interactive to introduce Cantor Health Interactive, a new healthcare software management tool to help
businesses monitor and reduce their healthcare costs.
“Most corporations know more detail about the cost of their inventory and office supplies than they do about the
cost of their healthcare. Employers need sophisticated tools to measure and control these costs. Our software
provides innovative forecasting and simulation capabilities that prevent companies from being blindsided by
unexpected medical and pharmacy costs,” said Stuart Hersch, President of Cantor Insurance Group.
Healthcare costs do not need to rise inexorably and inevitably,” Mr. Hersch stated. “We want our clients and their
employees to be as educated about healthcare costs as those selling them insurance products and services. Our
technology will promote competition; competition will drive down the costs.”
“Cantor has a long and distinguished history of launching new technologies in the financial services industry
designed to improve transaction efficiency. We are now applying that philosophy and those skills to control runway
healthcare costs,” he added.
“The Cantor Health Interactive service model is designed to simplify healthcare information and delivery. With the
right tools, understanding, education and incentives, we help businesses lower costs today and limit increases in the
future,” said Henry Cha, President of Healthcare Interactive.
The Cantor Health Interactive software, which is delivered through a secure, integrated HIPAA-compliant
intelligent on-line network, has been deployed and tested by more than 100 corporations resulting in average
savings of more than 15% on total healthcare costs.

7. Cantor Health Interactive
Projections for Medical and Rx Costs per employee per year
(for employee groups between 200 - 4,000)
$14,000
$12,000
$10,000 37%
33%
$8,000 29%
$8,000 24%
Base year
$6,000
Prior to CHI
Post CHI
$4,000
$2,000
$0
Base year Year 1 Year 2 Year 3 Year 4
Assuming a base cost of $8,000 per employee per year and a 12% per annum increase

8. We Can Save Your Corporation $$$
On Your Prescription Healthcare Plan……GUARANTEED!
By the Numbers
Corporate Rx Plan
($1800/employee/year est. cost)
Fees Fully-insured Corporations Self-insured Corporations Cantor
(Empire, Aetna, Humana, etc) Health Interactive
Brokerage Fees 2-3% $36 - $54 $24 - $36 0
Rx Admin 7-10% $126 - $180 10-15% $180 - $270* $75*
Insurance Company
Profits 8-12% $144 - $216 0 0
TOTAL FEES $306 - $450 $222 - $306 $75
*As distinguished from other pharmaceutical benefits administrators, the pharmaceutical benefits administrator for
Cantor Health Interactive is required to pass along pharmaceutical discounts and rebates to Cantor’s clients.
SAVINGS BY USING $147 - $375
Cantor Health Interactive per employee annually
Cantor Health Interactive offers stop-loss insurance at approximately 2 - 3% of the total insured cost of
coverage (in this case, $1800), or $36 – $54/per employee per year. This provides a guarantee that your
corporation cannot exceed its projected insurance costs.
Cantor Health Interactive Guarantee – If your Rx expenditures are not less than the projected fully
insured costs, Cantor Health Interactive will waive 100% of its fees.