The document introduces a partnership between Healthy Business Group (HBG) and the recipient to expand benefit solutions for employers. Key points include: - HBG aims to explore a partnership that provides innovative virtual solutions to employers through a single platform, with the goals of reducing costs, improving outcomes, and increasing employee engagement. - HBG's platform would provide various virtual solutions such as telemedicine, chronic disease management, and emotional wellness programs, with centralized implementation, reporting and client support. - Benefits of partnering with HBG include access to proven solutions, high-volume pricing, simplified delivery, and expert client support to help employers meet demands and control costs.

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I N T R O D U C T I O N T O :
W i n t e r 2 0 2 0

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TODAY’S
OBJECTIVE
Explore a partnership that expands
your benefit solutions
to meet employer demands and grow
your market share.
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a g r e e t h a t w i l l
h a v e a s i g n i f i c a n t . 1
63%
1National Business Group on Health. 2020 Large Employers’ Health Care Strategy and Plan Design Survey.
August 2019. Available at: https://www.businessgrouphealth.org/benchmarking/survey-reports/2020-report/
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LARGE EMPLOYERS PROJECTED DEPLOYMENT
VIRTUAL SOLUTIONS BY 2022
Telemedicine
Emotional Wellbeing
& Resiliency
Weight Management
Diabetes Care Management
Health & Lifestyle Coaching
Medical Decision Support
Prenatal Care

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Service? Delivery? Employee engagement? Financial and clinical outcomes?
A new company every day. Is the solution proven?
Does the company deliver on its promise?
Efficient implementation? Easy effective employee communications?
Data integration with carriers?
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EMPLOYERS EXPECT SOLUTIONS TO DELIVER VALUE

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THE HBG SOLUTION
AGENDA
TODAY’S
DISCUSSION
5
NEXT STEPS
PLATFORM NAVIGATION
WHY HBG?

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HBG achieves high-volume pricing on behalf of
our full book of business. We partner to deliver
employer process and pricing that scales with
your business
HBG simplifies delivery of disparate solutions on
one platform to optimize employee engagement
HBG leads efficient implementations of multiple
solutions, with one-time data integration;
designated client service to bring expertise to
your employers
HBG brings solutions down-market to make
best-in-class solutions available to
employers
P L AT F O R M N AV I G AT I O N
S O L U T I O N S PAR T N E R
S C AL E & F L E X I B I L I T Y
E X P E R T C L I E N T S U P P O R T
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A SINGLE PARTNER FOR ALL INNOVATIVE, VIRTUAL SOLUTIONS

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H EA LTH Y LIVIN G
C A R EGIVIN G
EMOTION A L H EA LTH
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AN ARRAY OF INNOVATIVE, VIRTUAL SOLUTIONS IN ONE CONTRACT
TELEMED IC IN E FIN A N C IA L H EA LTH
SEC ON D OPIN ION &
D EC ISION SU PPOR T
CARE ADVOCACY &
C OST TR A N SPA R EN C Y
C H R ON IC D ISEA SE
MA N A GEMEN T

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Our Health Innovation Team evaluates
and tests innovative solutions so that you
don’t have to, demonstrating:
 Proven employee engagement
 Expected outcomes
 Affordability and VOI
Through the partnership with HBG,
Channel Partners experience:
 Innovation to controls claims cost
 Improved client persistency
 Consistent service and reporting
Vic e Pr es ident, Oper ations
T h i r d P a r t y A d m i n i s t r a t o r
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“Working with HBG eliminates a lot of
the pain we’ve been feeling while
providing the desired end-benefit to
employers.”

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Our Health Innovation Team seeks the best in class
innovations proven to achieve results so you can meet
employers’ demands with confidence.
Identifying the truly disruptive solutions early, our
Health Innovations Team can test solutions for you to
leverage a competitive advantage.
Our Health Innovation Team is responsible for
uncovering unique offerings that serve employers’
unmet needs.
A wonderful serenity has taken possession of my
entire soul, like these sweet mornings of spring which
I enjoy with my whole heart. I am alone, and feel the
charm of existence in this spot, which was created for
the bliss of souls like mine. I am so happy
2017
OUR HEALTH INNOVATION TEAM TARGETS THE BEST SOLUTIONS
INNOVATIVE
DISRUPTIVE
UNIQUE
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C O M P L I AN C E
O U T C O M E S
Do they have the appropriate insurance types
and levels in place? Are they HIPAA-
compliant (PHI, PII, BAA’s etc.)?
Can the solution produce consistent and
transparent data? Can they provide
measurable engagement data and ROI?
Does the solution deliver consistent and desired
results to the employers? Does it satisfy employer
needs and exceed market standards?
Does the solution have the short- and long-term
funding necessary for partnership? Do they have
the appropriate leadership in place?
F I N AC I AL
S TAB I L I T Y
R E P O R T I N G
OUR HEALTH INNOVATION TEAM ASSURES SUSTAINABLE SERVICE
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A designated Client Service Manager
will serve as subject matter expert on
your team to align employers with the
right solutions.
OUR CLIENT SERVICE TEAM HELPS SUPPORT EMPLOYERS
Our easy-to-use employee
communications templates incorporate
best practices and drive employee
activation into solutions.
We have configured employer
implementation to reduce the
burden on your team and your
employers. You’ll only need one
eligibility feed for all solutions.
HBG consolidates program enrollment
and outcomes reports from all solutions
to deliver consistent, clear and concise
program reports.
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Average savings per user for ER redirection$1,572
Average annual savings per employee intervention$1,800
Average employee savings via healthcare navigation$1,148
Average savings with a second opinion
THE PARTNER VALUE
Michele Butman
Aetna, Senior Vic e Pr es ident - N Y/N J
OUR SOLUTIONS CONTAIN HEALTH COSTS AND BRING VALUE TO YOU
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“HBG’s approach to fostering employee
engagement will further serve to
strengthen the customer experience.
Together, we will deliver a customer-centric
health care experience for our members
and their families.”
$5,300

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EMPLOYEE NAVIGATION HUB
 Client-level customization of resources
 Accessible via web or optimized mobile experience
 Enhanced wellness benefits all in one location
 Real-time updates as new solutions are introduced

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EMPLOYEE NAVIGATION+ HUB
 Navigation Hub
 Dedicated Clinical Navigator
 Clinical Care Coordination
 Provider Search
 Price Transparency
 Quality Ratings
 Benefits Integrator & Insurance
Profile
 Medical Bills Assistance & Issue
Resolution
 Clinical Advocacy
 Targeted Messages to Employees
August 31,
2019
ONE PLATFORM TO STEER MEMBERS TO THE RIGHT
PLACE, AT THE RIGHT TIME, AND AT THE RIGHT PRICE
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15. LET HBG TAKE THE WORK OUT OF
ALIGNING VIRTUAL SOLUTIONS TO
YOUR EMPLOYERS’ NEEDS
One vendor contract One
point of contact for support
and service
Diverse and flexible
offerings to attract and
retain employers
Financial savings
Clinical outcomes
Employee engagement
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16. ☐ Solutions Deep Dive
☐ Pricing
☐ Onsite Meeting
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Founded in 2009, Healthy Business Group enables
Channel Partners with the unique ability to bring an array
of innovative and proven healthcare services down-market
through strategic partnerships. HBG delivers solutions
that reduce the total cost of care, provide a valued,
engaging employee experience, and allow employer-specific
configuration.
(646) 275-4440
Call or Text Me
t.morrissey@hbgnow.co
m
Email
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TOM MOR R ISSEY
C EO
A 30-year expert in the Healthcare and Wellness
sector dedicated to reducing employers’ health care
costs. . Leader in using metrics-based solutions to
analyze and provide targeted solutions to provide
sustainable health care cost controls for companies.
A R T H OWA R D
PR ESID EN T
A veteran in the Healthcare and Wellness sector
concentrated on helping employers reduce their
healthcare costs while improving the wellness of
their employees. Experienced in using proven
metrics to assist companies to gain a total health risk
summary for its employees.
R ON ELLE LIC H MA N
D IR EC TOR , H EALTH IN N OVATION
Respected professional accomplished at managing
long-term client relationships; driver of enhanced
profitability and persistency by leading teams to
exceed client needs and expectations.
B R IA N SC OPIN IC H
D IR EC TOR , TEC H N OLOGY
A wonderful serenity has taken possession of my
entire soul, like these sweet mornings of spring
which I enjoy with my whole heart. I am alone, and
feel the charm of existence in this spot, which was
created for the bliss of souls like mine. I am so
happy, my dear friend.
JA SON H A N SEN
C OO
Jason is passionate about closing gaps in the lack of
healthcare programs available to mid-market
companies due to their size and budgets. Prior to
joining HBG, Jason was a management consultant
within Deloitte's Strategy and Operations practice..
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OUR APPROACH PROVIDES FLEXIBILITY TO ALIGN WITH YOUR BUSINESS
BUNDLED PRICING
 A flat PEPM for an offering of a
bundle of solutions to all clients
based on the size of your book of
business
 Each employer can pick specific
solutions
 Easy to sell
 Offers flexibility
NAVIGATION VALUE-
BASED
 Employee Navigation Hub is
offered to every client at a low
PEPM rate.
 Each employer can pick specific
solutions to offer
 Each solution is priced on a per
case rate.
NAVIGATION +
VALUE-BASED
 Employee Navigation+ Hub is
offered to every client at a
$xx.xx PEPM rate. Includes:
 Advocacy, Price
Transparency,
 Data Analytics
 Telemedicine ($0 Copay)
 Each employer can pick specific
solutions to offer
 Each solution is priced on a per
case rate

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EMPLOYEE NAVIGATION HUB
 Client-level customization of resources
 Accessible via web or optimized mobile experience
 Enhanced wellness benefits all in one location
 Real-time updates as new solutions are introduced
August 31,
2019
20

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P R O P R I E T A R Y & C O N F I D E N T I A L | A L L R I G H T S R E S E R V E D
EMPLOYEE NAVIGATION+ HUB
 Navigation Hub
 Dedicated Clinical Navigator
 Clinical Care Coordination
 Provider Search
 Price Transparency
 Quality Ratings
 Benefits Integrator & Insurance
Profile
 Medical Bills Assistance & Issue
Resolution
 Clinical Advocacy
 Targeted Messages to Employees
August 31,
2019
ONE PLATFORM TO STEER MEMBERS TO THE RIGHT
PLACE, AT THE RIGHT TIME, AND AT THE RIGHT PRICE
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Caregiving and complex
healthcare coordination
Diabetes prevention program
& metabolic syndrome
reversal
Telehealth
Healthcare advocacyPersonalized fitness
Speech therapy Chronic Disease Management
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Healthcare navigation &
advocacy
Activity tracker
Expert decision support and
second opinions
Child developmentMaternity Support
Behavioral health
Financial Wellness Healthcare advocacy

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Activity tracker
Caregiving and complex healthcare
coordination
Diabetes prevention program &
metabolic syndrome reversal
Expert decision support and second
opinions
Telemedicine
Healthcare concierge
Personalized fitness
Child development
Speech therapy
Mental Health
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Health Advocacy
(Rightway)
Emotional Support

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2ND.MD
24
 Unlimited second opinions
 Consults savings: $5,300 – available in 3-4 days
 No Claims cost by employee or insurance carrier
 No geographic barriers to elite specialists
 120+ sub specialties
Expert video consultations
No matter where you are, speak with one
of our specialists via video at $0 per
consult

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FINANCIAL WELLNESS
BRIGHTDIME
Empowering through
education
A real-time 360 degree view of your holistic
financial picture
 Improve spending habits, set budgets, and tackle debt
reduction
 Keep track of everything: 401k, HSA/FSA, bank account,
mortgage, brokerage account, and more.
 Set goals and track progress to keep moving towards financial
security

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CLEO
The solution for working
parents
A worldwide network of practitioners
supports families through their lifecycle
 Preconception and fertility
 Pregnancy: from bump to baby
 Support for parents with kids 1-5 years old
 Adoption and surrogacy support
 Return to work coaching

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COGNOA
 Clinical developmental assessment is the fastest way to get reliable answers about
your child’s development
 Personalized recommendations based on your child’s unique needs
 Expert advice through Ask Cognoa
 Early Intervention can identify signs of developmental delays, including autism,
as early as 18 months
Child developmental
screening
Clinically-validated and trusted by 300,000
families

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HEALTHCARE ADVOCACY
COMPASS
Dedicated patient advocate
Smart recommendations and in-the-
moment benefit guidance
 Compare cost by facility
 Unbiased doctor recommendations
 Hospital cost and quality
 Bill reconciliation
 Answers about your benefits

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FITBIT
 HBG and Fitbit partnership to offer exclusive member discounts
 Track exercise, food, weight, and sleep for real time data and progress
 Members join GetFit Community
 Corporate challenge sponsorship
Lead healthier, more active
lives
Exclusive discounts to the #1 wearable
brand globally

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BEHAVIORAL HEALTH
GINGER
Personalized care for every
individual
On demand access to behavioral health
coaching, therapy, and psychiatry
 Behavioral health coaching: One-on-one, human-to-human text-based
coaching within seconds
 Therapy & psychiatry: One-on-one, human-to-human video sessions
within days
 Self-led guides & assessments: Curated care resources and exercises
recommended by your coach

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GR8 SPEECH
 Alternative to the traditional speech service model for both adults and children
 Unlimited therapy sessions - $30 copay per session
 Access from anywhere – minimizes missed sessions and conflicts
 No geographical limitations
Video conferencing
technology
Provides live, on-on-one, interactive speech
therapy services worldwide

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MDLIVE
 Speak to a doctor 24/7/365
 $0 and $25 consult fee options
 Prescriptions will be sent instantly to your pharmacy choice
 No claim incurred by the member or insurance carrier
 Behavioral health and dermatology
Virtual care, anywhere
24/7/365 access to board-certified
doctors, therapists and dermatologists

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NATURALLY SLIM
 Foundations®: 10 weeks of weekly 1 hour online classes
 NS4You™: 14 weeks bi-weekly lessons to reinforce new habits
 NS4Life™: 6 months of monthly lessons to keep the weight off
 A dashboard of tools to monitor progress and learn new skills
Lose weight, not pleasure
Lose weight by changing how you eat
instead of what you eat.

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FITNESS
PEERFIT
 Fitness Freedom – access to a variety of classes and studios for all fitness levels: HIIT, Boot
Camps, Yoga, Pilates, Cycling & more
 Employees use monthly credits to discover new classes and workouts
 Stream online classes through FORTË – when your at home or on the go
 Personalized dashboard to schedule classes, invite co-workers, or save favorite studios
Redefining wellness in the
workplace
A flexible fitness solution that’s easy to use,
easy to manage and easy to enjoy

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RIGHTWAY HEALTHCARE
 Curated doctor recommendations
 Care plans and coordination
 Bill explanations and resolutions
 Prescription Price Comparisons
 Appointment Scheduling
Your dedicated patient
navigator
Single point of access for all things
healthcare

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LIVONGO
Management for chronic
conditions
Empowering people to live better and
healthier lives
 Diabetes: Connected blood glucose meter, test strips, personalized insights, 24/7
expert support
 Weight management: Connected smart scale, automatic weight and steps
tracking, healthy habits challenges and coaching
 Hypertension: Connected blood pressure monitor, personalized insights,
shareable reports
 Behavioral health: Support for depression, anxiety, stress, sleep and more

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TOUCHCARE
Reassuring, Resourceful,
Reliable.
Engaging technology with empathetic
humans to deliver a better experience
 Directs members to high quality, low-cost options
 Reviews and negotiates bills
 Proprietary provider and facility assessments
 Open enrollment support

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WELLTHY
 Wellthy delivers ongoing guidance and always-on assistance for complex care
 Wellthy can help those caring for chronically ill, disabled, aging, depressed, anxious,
mental health, and those who are struggling with addiction or substance abuse
 Common Wellthy tasks include: scheduling appointments, refilling prescriptions, vetting
in-home aides, contesting insurance bills, and more
1 in 5 adult workers are
caregiving
Each caregiver costs a company $2,000 per
year in lost productivity (AARP)