The document presents a case for telehealth as a solution to the challenges faced by the current healthcare system, including high costs and access issues. It highlights the benefits of telemedicine, such as convenience and cost-effectiveness, and outlines its potential to reduce healthcare expenditures and improve patient care. Additionally, it discusses various telemedicine platforms and the unique features of CADR+ compared to competitors.

1. Telehealth:
Saving the Health Insurance Industry
Presented by:
Wavefront Brokerage Services Presented by
1(888) 544-6640
info@wavefrontbrokerage.com Brokerage Services
WaveFront

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3. This presentation is NOT to make you smarter;
this presentation is to make you SUCCESSFUL!

4. The System Is Broken
It doesn’t matter who Presented by we’ve all felt the pain
you are,
of the current healthcare system and we feel in the
WaveFront Brokerage Services
core of our being that there has to be a better way!

5. According to a recent MetLife study…
 Two thirds of bankruptcies today stem from medical debt.
 Of those, 78% had medical insurance but went bankrupt any way due
to preexisting conditions, out-of-network visits, high co-pays or
services not covered under Presented by
their insurance.
 Many people may WaveFront Brokerage insurance themselves but
be covered by health Services
unable to afford the cost of cover their entire household which can
again create a ton of exposure to financial strain
Bankruptcy issues severely affect the workforce – producing poor work,
more time off, emotional problems and more

6. Some Key Stats…
19.5% Of USA’s GDP will be spent on healthcare by 2017
US Health & Human Services Dept.
76% Of the time Doctors offices are closed during week
3 Average wait time to make a doctor appointment
weeks
23
min.
Average wait time in physician’s waiting room
75 to Of Doctor’s visits originate from stress factors
90%

7. Did You Know…
Top 3 ER visits in 2012 were Ear,
Sinus, Upper Respiratory Infections
Not broken bones or car accidents
American Medical Association

8. Did You Know…
4 of 5 of all ER, urgent care,
and doctor office visits could
be better handled over the
phone…safely and
effectively.
American Medical Association

9. Did You Know…
92% of consultations with
CADRPlus doctors are
resolved without the need for
a follow-up.
89% of healthcare executives
believe telemedicine will
transform healthcare.*
Cell Phone Medicine
http://www.msnbc.msn.com/id/21134540/vp/50582822#50582822

10. Growth of Telemedicine
By 2015 Industry experts realistically foresee
100 million individuals/year
accessing virtual care services like telemedicine.
This level of growth mirrors the development of
the popular MinuteClinic model, which had less
than 100,000 visits in 2006
and in late 2011 grew to more than
Telemedicine, means using information and
10 million visits/year communications technologies for the delivery
of healthcare services.

11. Trend: Rapid Growth of Telemedicine
100+ Carriers across 26 states Widely reimbursable and becoming fully
reimburse for telemedicine: integrated into the delivery systems and
benefit offerings of major health plans and
self-funded groups.
States with legislative mandates:
California Colorado
Georgia Hawaii
Kentucky Louisiana
Maine New Hampshire
Oklahoma Oregon
Texas Virginia
Maryland Vermont
Michigan And Growing…
PREDICTION- ALL MAJOR PLANS 50 STATES – 36 MONTHS

12. Why Now?
The Affordable Care Act (ACA) specifically mentions
telemedicine as a tool to improve access and information
delivery as part of the focus on more cost-effective care
delivery
 Healthcare now a right/obligation for all by 2014
 ~ 20% of Americans currently uninsured
 Likely to increase strain on already-strained system
 Estimated 100,000 doctor shortfall by 2025
 NYTimes Article: Doctor Shortage Likely to Worsen With Health Law
 Anticipated 1/3 of hospitals close by 2020
 David Houle and Jonathan Fleece

13. TELEHEALTH IS THE ANSWER AND
IS THE VERY BEST BUNDLE AVAILABLE!
• It’s convenient – 24/7 access from anywhere
• It’s unlimited – no hidden fees or per-use charges
• It’s easy – just call or click and you’re connected
• It’s quality – Masters- level Clinicians, US Board Certified Doctors, Vetted
Partners/Resources
• It’s proven – our partners have over 3 million members and counting
• It’s comprehensive – for the body, mind and pocket book
• It’s affordable - $15/mo. PMPM for individuals; $10/mo. for groups

14. Understanding the Telehealth Landscape
There are 3 main providers of telemedicine services:
Virtually every other company offering telemedicine benefits is a ‘white-labeled’
carrier for one of these 3 providers Presented by
such as:
WaveFront Brokerage Services
There are some significant differences in the platforms,
plan offerings, quality of services, and cost.

15. • Low-PEPM of $2 - $5 (Physician • Employee + Family $30/month • Employee + Family $10/month
consult = $38/consult; Wellness (Unlimited usage; no fees) (Unlimited usage; no fees)
consult = $27/consult)
• 2 - 12% utilization rate • 18 % utilization rate • 26+% utilization rate
nationally (lowest in nation)
• Avg. Physician response time: • Avg Physician response time: • Avg. Physician response time:
up to 3 hrs. 24 mins. 90 secs.
• Consultations available by • Presented by
Consultations available by • Consultations available by
telephone only after going telephone, internet and video. telephone, internet, video,
online prior. WaveFront Brokerage Services smart phone app, secure email,
chat, and text msg.
• No recording of consultations • Record consultations and post • Record consultations and post
to personal health record. to personal health record.
• SureScripts Access – No. • SureScripts Access – No. • SureScripts Access – Yes.
• Secure Email Consultations – • Secure Email Consultations – • SecureEmail Consultations –
No. No. Yes.
• 2,000 GP Physician network (not • Nation’s largest physician
• Very modest physician
enough physicians to handle current network; includes specialists
network (reason physician rate of enrollments) (ONLY Physician Network equipped to
response time slowest) handle current rate of enrollments).

16. Key Differentiators Between CADRPlus and the Competition
The lowest cost, highestphysician? Because we understand that members
1. How can members connect with a
impact soluction to many of
the issues plaguing we havehealthcarethem to connect to CADR. They
use technology differently the multiple ways for system today.
can call our care center; request a call from a physician via the member portal, secure
email, chat, video, mobile application and, of course, telephone. Others require that
members go online first; we understand that not all will have access to a computer or
the internet so this is not a requirement.
2. Education/Communication: Driving utilization is what makes us superior to our
competition. Across our book of business, CADR boasts a 26+% utilization rate for clients
that have been with us for at least 12 months. We will work with your company to
understand how to best work with your different employee populations. This can
consist of email blasts, phone mail messages, mailers, hard copy flyers, posters, etc.
3. A member can be on the phone with one of our physicians in less than 90 seconds.
When deciding whether to go to a higher cost setting or whether a condition can be
handled via telemedicine this is key. No other telemedicine company has this
functionality.

17. Key Differentiators Between CADRPlus and the Competition
The lowest cost, highest impact soluction to many of
the issues only telemedicine organization that has thesystem today. all
4. We are the plaguing the healthcare unlimited plan which includes
consultations.
5. We are the only telemedicine organization that records all consultations and attaches it
to the personal health record of our patients. We do this not only for patient history
but as a tool for quality control.
6. We are the only telemedicine organization that has access to SureScripts which allows
us to see 24 months of prescriptive history for our patients. This is available whether or
not the prescription has been prescribed through CADR or another physician.
7. CADR physicians have access to the patient’s formulary through SureScripts.
8. We provide secure email consultations; Teladoc does not.

18. Simply put…
The lowest cost, highest impact soluction to many of
the issues plaguing the healthcare system today.
The lowest cost, highest impact solution to
many of the issues plaguing all Employers,
Employees and the healthcare system.

19. You are in Good Company with

20. So, how does this program work?
The lowest cost, highest impact soluction to many of
the issues plaguing the healthcare system today.
+
= +
+

21. Access to the nation’s premiere and largest network of licensed, board certified
doctors & specialists anytime, anywhere – day or night; no one is denied, and
there is no waiting, period.
Multiple Ways to Consult
CADR+ provides a technology and
service platform which allows students
& staff to consult with physicians
via Telephone, Mobile APP, Video, On-line, Email & Text,
on an immediate basis, 24/7/365 AND receive a refill or
prescription for their illness…ready when they are!
Give them a call and you will be connected within 2 minutes!

22. Multiple Ways to Consult

23. More Quality Time
Average time spent with a Doctor
during a traditional office visit is
only 4 minutes
Average time spent with a
Doctor during a
Consultation is over 15 minutes

24. National Telemedicine
Physician Network
Telemedicine Services
 Enterprise Platform PLUS CADR’s National
Network of Primary Care Physicians
 50 State PCP Provider Network
 U.S.-based, Board Certified/Eligible
 Credentialed to NCQA Standards
 170 Languages Supported
 On-Demand (24/7) Via Secure Phone, Web
(Video/Email) or Mobile App
 Additional Specialties Now Online:
 Pediatrics, Cardiology, OB/GYN
 Mental Health, Endocrinology

25. Quality Assurance
& Patient Safety
 Continuous Quality Improvement process as a tool to monitor, analyze and
improve the medical care delivery mechanisms practiced by Consult A Doctor
physicians
 100% of consults are documented and recorded; controlled substances never
prescribed
 Regular CQI Medical Records Reviews are performed consisting of at least 3
initial priority consultations for each new doctor and at least 10% of
randomly selected priority consultations per week for existing physicians
 Weekly CQI Audio Recording Reviews consisting of 3 initial priority
consultations for new doctors and 2 random priority consultations for
existing doctors per week

26. 9 Most Common Reasons People Visit a
Doctor, Urgent Care or Emergency
1. Allergies
Doctors 2. Bronchitis
address 3. Earache
4. Sore Throat
the top 9 most
5. Pink Eye
common
6. Sinusitis
reasons for a
7. Strep Throat
visit to the 8. Upper Respiratory Infections
doctor 9. Urinary Tract Infections
AND MORE!

28. Employee Experience
Provide CADR+
Call CADR+ to
medical schedules call
request a with an
consultation history appropriate doctor
Doctor reviews
the online patient
Member
history and calls
receives
the member*
follow-up
survey call
If prescription is
Doctor updates required Doctor
Call recording
EMR with calls in Rx to
is posted
consultation member’s choice of
notes pharmacy
*Average on-call response time by a physician is 2 minutes! Fastest in the nation.

29. Member/Patient Portal
+ HIPAA Compliant
+ Web-based for convenient access
+ Simple to use
+ Electronic Medical Records
+ Send emails to doctors
+ Upload pictures to send to Doctor or for reference
+ View Doctor’s notes and follow-up communications
immediately after consultation
+ All calls and video consultations are recorded and
stored for accurate history and reference

30. My Message Center
Send and receive secure emails
to a licensed physician for
My Consult Center confidential and convenient
information. Receive lab
Schedule appointments, e-mail a requisitions and results.
doctor, store and forward your medical
history to your primary care physician
and more.
My Health Center My Symptom Checker
Symptom Checker, Health Evaluate symptoms and
Library, Interactive Health Tools
recommend treatment options

31. – Mobile Apps
My Health Center
 First Aid
 Medications
 Medical Tests / Labs
 Wellness
 Chronic Condition Management
 Challenges
 Rewards
 Support Groups

32. ePrescriptions
Features / Benefits
Electronic prescribing
 Less errors
 Surescripts
 RX history
 Med2Med
interaction
 Decision support
 Evidence based
Pharmacy of choice
 By home, work,
hotel, school
 Less wait
 Formularies
 Insurance
Documented in EMR
Reported to PCP/Plan

33. Follow Up/Referral
Post Consult Benefits
 Follow up care
instructions
 Telemedicine
consultations
 In-person referrals
 Patient education
 Scheduled
messages/reminders
 Diagnostic labs
 Health tracking tools
 Health risk assessments
 Coding
 CPT
 ICD-9

34. Follow Up/Referral
 Through the use of next-stage technology
CADR partners with Payers to enhance and
support their care management and cost
containment approach
 Data integration between CADR and Payer
provides health related information to
providers and patients at the point of care to Data Sources
improve clinical outcomes Paid Claims Data
Laboratory Results
 CADR’s data warehouse serves as the
Prescriptions
central repository of data derived from
Health Risk Assessments
numerous sources Evidence – Based
 Raw data becomes critical information Clinical Guidelines
readily available to effectively manage care Member & Provider
Communications

35. Key Stats…
90 Average on call physician response time
sec
15+
min
Average consultation duration
92% Avoided a doctor office visit, Urgent Care or ER visit
100% QA follow up with patient, within 72 hours of consult
98% Reported being very satisfied with their consult
(highest in the industry)

36. Additional Member
Benefits
Resources For Living
Employee Assistance Program (EAP)
• Customized EAP (Employee Assistance Program), Work/Life &
Concierge Services supporting all facets of your life.
• UNLIMITED telephonic consultation.
• 24/7 access to vetted life coaches, counselors & professionals
handling issues such as crisis counseling, legal, financial,
ID theft, life coaching & work issues.
• 100% private, confidential
• Tailored for personal needs, plan of attack
• 170 languages supported
• Online Resource Center

37. THE STRESS EFFECT
 Over 1/2 of Americans self-report that they are “struggling” with life today
and 1/3 state their average stress level as “extreme”.
 75 – 90% of doctor visits are considered to be stress-related.
 Stress is linked to all of the leading causes of death including heart disease,
cancer, accidents and suicide.
 The World Health Organization estimates that the equivalent of 7.1
productive days are lost per employee each year due to stress-related
factors.
 25 million Americans will have an episode of major depression this year
alone.

38. TELEPHONIC CONSULTATION
 Unlimited access
 Masters-level clinicians
 Available 24/7
 Live Answer
 Confidential Service
 170 Languages
 Crisis Support

39. LEGAL & FINANCIAL SERVICES
 Telephonic or face to face attorney consultations*
 Domestic/family, civil, landlord/tenant, criminal, estate planning, immigration,
motor vehicle, etc.
 Free online will for all eligible dependents
 Simple Wills, Power of Attorneys, Living Wills
 Telephonic financial consultations*
 Tuition/investment/tax planning, debt and loan consolidation, mortgage and
refinancing.
 Telephonic fraud resolution consultation
 Provided by Certified Fraud Resolution Specialist
*First 30 minutes free per issue, unlimited issues

40. Resources For Living
How it Works: Give it a TRY!
Phone Number
1-877-856-1788
Website
www.mylifevalues.com
Login: CADRPdemo
Password: demo

41. PATIENT ADVOCACY
• The Karis Group
• For hospital and medical balances $2,500 and up
• Negotiates on your behalf to reduce balance; set up a
payment plan; or establish final payment
• Drives down cost significantly (national average cost savings 50%)

42. Surgery Saver
Designed for self-insured
employers. We shop prices for
surgery procedures and suggest
lowest cost/best value for
comparable services before the
surgery takes place, providing
Plan Member with a brief
summary of available options.
Metrics: typical 300-400% ROI

43. A free prescription and health care discount card
that provides access to savings on a wide range of
health care products and services, including
prescription drugs, lab tests, vision care and dental
care.

44. SIGNIFICANT SAVINGS
• Pharmacy Savings – save up to 65%
• Dental Care – save up to 50%
• Vision Care – save up to 50%
• Hearing – save up to 15%
• Lab Savings – save up to 60%
• MRI & Imaging – save up to 70%
• And more!

45. Pick Your Plan
Families & Group Group
Individuals Voluntary Sponsored
Unlimited, 24/7 Access Unlimited, 24/7 Access Unlimited, 24/7 Access
Individual Enrollment Multiple Groups Multiple Groups
Credit Card or Bank Payment Opt-In Enrollment/Payroll Deduct Whole Group Enrollment
Up to 6 Family Members Up to 6 Family Members Up to 6 Family Members
$14.95/month $12.95/month $10/month
NO Underwriting, ALL Qualify – Pre-existing Conditions
Included

46. Benefits of
Your + High value benefit for low cost
+ Less hours missed for doctor appointments
Company +
+
Fewer sick days taken
Healthier workforce
+ Easy for your employees to address health
needs
+ Measurable reductions in healthcare costs
healthier employees
+ Reductions in health risk factors
better quality of work
fewer missed days + Improved employee awareness and
higher productivity engagement
workplace wellbeing

47. Employer Cost Savings
The savings for an employer comes by way of five components:
1. Through employee utilization and participation fewer claims are paid and
therefore less insurance is used. This impacts cost differently depending
on the plan the employer is providing to his employees.
a) If you are self insured with a stop loss, every month you are paying
your own claims up to the cap. Even if your claims are small one
month you continue to pay in the larger amount creating a reserve for
unknown future use. CADR+ impact: Reduction in claims via CADR+
means less to payout and less to reserve, the impact is immediate.
b) If you are fully insured, less insurance is used annually. CADR+
impact: At the end of the year the insurance company’s rate renewal
will effect the reduction in insurance used and therefore the rate
renewal will be less.

48. Employer Cost Savings
2) Part of insurance cost is driven by administration. There is a cost to
administer claims regardless of size. The reason why higher employer
deductible plans are less expensive than lower deductible plans is
because of the claims administration. Higher deductible plans mean
fewer claims to administer. CADR+ impact: Using the CADR+ system
eliminates a substantial portion of the number of claims to administer
providing cost savings.
3) Productivity and fewer hours missed from work. We know that people will
take time off to see a doctor when sick for either themselves or a family
member. Typically we compute that to be a half day or 4 hours. CADR+
impact: We are confident that time-off is reduced through the
convenience and immediacy of telemedicine.

49. Employer Cost Savings
4) Wellness in general. CADR+ impact: Early medical intervention means
better medical results, which computes to a healthier more productive
workforce. This is the foundation of all the wellness programs in the
marketplace. The difference with CADR+ is that it doesn’t require long
term behavioral change to take place to affect cost. Cost can be affected
immediately through it’s use.
5) 45% of all employee absences are driven by some mental
debilitation/problem; yes we can get sick when we are stressed and
dealing with non work related problems. CADR+ impact: The ability to
speak with a licensed clinical social worker 24/7 and unload those
burdens will keep people healthier and more productive. People do come
to work distracted and in a funk….CADR+ can help them through their
personal, financial or legal problems with just a phone call.

50. Cloud Based Telemedicine Solutions
Contracting is Very Simple
Commissions are Very High
(residual month in by
Presented
month out)
WaveFront Brokerage Services
Need to know more?
Wavefront Brokerage Services
1(888) 544-6640
info@wavefrontbrokerage.com

51. Cloud Based Telemedicine Solutions
Would you like to take a 30-day FREE test drive?
Presented by
WaveFront Brokerage Services
Wavefront Brokerage Services
1(888) 544-6640
info@wavefrontbrokerage.com