The document discusses a HealthPerx Card program that provides affordable healthcare access and reduces costs through various benefits like telemedicine consultations, pharmacy discounts, dental/vision care, and wellness programs. Studies show telemedicine reduces office visits and ER costs by 45-64% and 15-35%, respectively, while diagnosing 94% of issues and achieving high patient satisfaction. Additional lifestyle benefits offer savings on services like fitness memberships, identity theft protection, and pet care. The program aims to help families save thousands annually on healthcare and everyday costs through its comprehensive network and discounts.

1. Value-added Health and Lifestyle Programs
addressing some of today’s most important issues
The Issue:
One of the most challenging issues of our time is affordable healthcare. More employers have been forced to restructure their
benefit plans, often reducing benefits or shifting to consumer-driven health plan options or other high-deductible high co-pay
options. Many offer no benefits at all.
The Solution:
The HealthPerx™ Card addresses this challenge by providing users with lowcost access to the healthcare they need while
offering businesses an innovative solution that reduces absenteeism, increases productivity, promotes consumerism and
decreases overall healthcare costs. Using Telemedicine as the core benefit, studies have shown reductions in doctor office
visits, ER visits, absenteeism and overall healthcare costs while promoting wellness, prevention and personal responsibility.
Most Notable Feature – Telemedicine Additional health benefits include:
• Access to board certified physicians 24/7 allows • Pharmacy Savings Card • Hearing Care
quick diagnosis and treatment • Dental Care • Lab & Imaging
• Case studies show 45%-64% reduction in overall • Vision Care • Fitness Center Discounts
physician office visits and 15%-35% reduction in
ER visits for non-emergency health issues
• Successful diagnosis and treatment for 94% of
calls with 98% satisfaction level
• Significant ROI
Health Lifestyle
These benefits all use “best of class” provider networks, Benefits Savings Savings
making this program a valuable and strategic solution to
many of today’s healthcare challenges. Health Benefits
Telemedicine ✓
Lifestyle Needs: In addition to savings on healthcare,
consumers are also seeking innovative strategiesto save Pharmacy Savings Card ✓
money on everyday products and services without sacrificing Dental Care ✓
quality. Our Lifestyle Benefits program targets some of the Vision Care ✓
most popular of these products and services offering
incredible discounts. These include roadside assistance,
Hearing Care ✓
identity theft protection, legal care, fitness clubs, tax help Lab & Imaging ✓
and pet care.
Lifestyle Benefits
IFCN Fitness Club Discounts ✓ ✓
✓ Everyone is accepted
Identity Theft Protection ✓
Emergency Roadside Assistance ✓
✓ Good for the whole family
Legal Care Direct ✓
✓ Immediate availability–unlimited usage
Tax Help Line ✓
✓ Easy to use–no paperwork
Pet Care ✓
✓ Satisfaction Guaranteed
Health Perx can save families thousands Monthly Investments $19.99 $21.99
of dollars a year! Stand-alone Value $71.65 $71.20

2. Actual Savings Using Health Perx Card Lifestyle Savings
Consider the Johnson’s Family Expenses for 2011
The Johnsons have high-deductible Roadside Assistance
health insurance. Last year they Daughter locked her keys in the car. $170
had 9 doctor visits, but 6 of those Wife had a flat tire.
were handled on the phone:
2 calls with the flu, 1 with bronchitis $1,096 Identity Theft Priceless
and 1 with a stomach ache and
2 ear infections saving 4 doctor Legal Care Direct
office visits, 1 urgent care and 1 Discussed issues related to veterans
ER visit. benefits and Medicare eligility or
attorney specializing in elder car $500
3 of the Johnsons don’t have dental
insurance, but saved on 3 cleanings Had an attorney write a letter to a
$523 company that refused to return defective
through Aetna. One saved 38% on
a crown. TV. (TV was returned for a full refund)
They have no vision insurance, but Tax Help Line
needed 2 pairs of glasses ($504 $193 Received advice when filling out tax $100
cost reduced to $311). returns.
Mr. Johnson’s monthly drug was Pet Care
$250
made “Non-Formulary” and now Dog needed surgery – discount of $250
costs $62. His Prescription $432
Fitness Center
Discount Card had it for $26.
Received $50 discount on enrollment $110
Save $36/month.
fee and $5/month reduction.
Total Savings $2,244 Total Savings $1,130
For More Information:
www.HPerx.com
This plan is NOT insurance. This plan provides discounts at certain healthcare providers for medical
services. This plan does not make payments directly to the providers of medical services. The plan
member is obligated to pay for all healthcare services but will receive a discount from those healthcare
providers who have contracted with the discount plan organization.
Telemedicine Disclosures: Telemedicine physicians do not prescribe controlled medications.
Telemedicine is not insurance. Telemedicine does not replace your primary care physician.
Telemedicine does not prescribe medications in OK.
Pharmacy Savings Card Disclosures: Pharmacy discounts are Not Insurance, and are Not Intended
as a Substitute for insurance. The discount is only available at participating pharmacies. The program
administrator may obtain fees from pharmacies based on your prescription drug purchases.
These fees may be retained by the program administrator or shared with you and/or your pharmacy.
Aetna Dental Access*: Actual costs and savings vary by provider, service and geographical area.**
According to the Aetna Enterprise Provider Database as of November 1, 2010. All other disclosures
available on www.HPerx.com.
This program is not available in KS, WA and VT.