Overview

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 Health Perx™ Card addresses this challenge by providing users with low-cost 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 Features and Benefits: Access to board certified physicians 24/7 allows quick diagnosis and treatment Case studies show 45%-64% reduction in overall 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 One card covers the entire family First year ROI with just 25% participation

Additional health benefits include Pharmacy Savings, Dental, Vision and Hearing Care, Medical Health Advisor, EAP, and other services using “best of class” provider networks, making this program a valuable and strategic solution to many of today’s healthcare challenges.

Lifestyle Needs: In addition to savings on healthcare, consumers are also seeking innovative strategies to save money on everyday products and services without sacrificing quality. Our Lifestyle Benefits program targets some of the most popular of these products and services offering incredible discounts. These include roadside assistance, identity theft protection, legal care, tax help, fitness clubs, pet care and more.

NOTE: These benefits have a high perceived value and can be configured and packaged to fit any client’s preferences. Can be offered as stand-alone or embedded complements to existing supplemental products.

Unique Value Proposition: Through special “bundling” arrangements, these benefits offer more features for less cost than offered through direct relationships with these vendors on a stand-alone basis.

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Health Perx: Valuable Health Benefits for the Entire Family

Telemedicine—Consult A Doctor™ or 1-800MD™ Our telemedicine service provides a network of licensed, board certified physicians 24/7, available by

phone or secure email, who can diagnose and treat non-emergency, routine medical conditions. They can prescribe medications when appropriate. This benefit is offered with unlimited calls with no co-pay, a feature not available outside of our program.

Pharmacy Savings Card Good at over 63,000 pharmacies nationwide, this card offers the lowest prices in the store for all

prescriptions. Savings of 11-75% with an average savings of 53%. Physician & Hospital Discounts—Galaxy Network™

Save 10-40% at over 300,000 specialty physicians and thousands of hospitals and urgent care centers nationwide. No age or health restrictions.

Medical Health Advisor—Helps Members: Find the best doctors, hospitals, providers and “best in class” medical institutions Resolve insurance claims and billing issues Schedule appointments with hard to reach specialists Secure second opinions to provide peace of mind

Telephonic Counseling (EAP)--24/7 access to Counselors who assist with problem resolution for member issues—APS Healthcare™

Speak to Skilled Counselors for: depression, anxiety or stress; conflicts at work or home; reliance on alcohol, drugs, tobacco or food; sexual, physical or emotional abuse; loss and grief; change and transition

Vision Care—Coast to Coast Vision™ Over 12,000 eye care professionals in this network. Savings of 20% to 60% on prescription eyewear.

Savings of 10% to 30% on eye exams. Save 40% to 50% off the overall national average on LASIK surgery Dental Care—Aetna Dental Access™

Save 15-50%*at over 92,500** practice locations on everything from general dentistry and cleanings to root canals and crowns. Save on routine services such as x-rays and fillings. Save on specialty care and cosmetic procedures where available.

Hearing Care Free hearing screenings and substantial discounts on retail cost of over 70 models of hearing aids at over

3500 Beltone and Newport Audiology Centers. Medical Travel Assist

Access to a global network of practicing physicians, travel assistance personnel and emergency evacuation benefits when traveling 100 miles from home and suffering a serious injury or illness.

Lab and Imaging Discounts— Save 10%-60% with direct-to-consumer laboratory testing and imaging

Every Benefit Covers the Entire Family Includes Fulfillment Kits and Customer Service Call Center

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The Lifestyle Perx ProgramSuperior Products and Services at Incredible Discounts

Emergency Roadside Assistance—Nation Safe Drivers™ Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges. Flat tire assistance, fuel, oil, fluid and water delivery service, lock-out assistance, battery assistance, &

collision assistance.Legal Services Direct

Nationwide network of thousands of attorneys in all 50 states offering free services for consultations, new legal matters, legal documents, small claims court representation, welfare and INS issues, and simple will.

Capped fees on other commonly used legal services. For additional matters, plan attorneys will either charge $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater

Safe Identity--ID Theft Protection * (for member only—family is extra) Provides early notification whenever they detect your personal information being used to apply for many

forms of credit or services Removal from pre-approved credit offers 24/7 access to live, domestic fraud resolution experts ID Theft Reimbursement Insurance ID Theft Analytics—Risk Score Fraud Databases, Social Networks and Proprietary Data Monitoring

Tax Help Line— Unlimited advice on federal taxation Free tax return preparation for forms 1040 EZ, 1040A and standard 1040 Deep discounts on numerous other tax schedules IRS audit assistance Tax planning Review of prior year's tax return Member portal with tax tips, tax law changes, member advice and much more

Pet Assure™ Savings Program Save 25% on all vet services—no exclusions, no forms to fill out, no deductibles. All pets in the household

included. Pet care is not insurance.Fitness Center Discounts—International Fitness Club Network™

Guaranteed lowest membership rates at over 8,500 fitness centers nationwide. Average annual savings $207 per year. One Week FREE pass at all participating clubs.

Funeral Assistance—Tribute Direct™ Online Comprehensive Funeral Planning and Plan Storage Funeral/Cremation Information and Referral Services Savings of 40% to 70% on caskets, markers and funeral merchandise. Web access to hospice trained grief counselors and ordained ministers

Elder Care/Long Term Care Save 4% to 25% at 5,500 home health or assisted living facilities. Advisors are available 24/7 to

provide assistance with elder care concerns.

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Packages

Benefit packages can be designed to fit our clients’ needs.

Customized Packages:1. Select the benefits you want to bundle2. We will provide wholesale price based on group size and other factors3. Mark it up based on your needs.

Embedded benefits for large groups or as part of plan offerings can be reduced significantly based on expected volume.

Sample Benefit Packages—these do not include every benefit listed above.

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Savings for a Typical Family

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.

Other Disclosures:Telemedicine physicians do not prescribe controlled medications. Telemedicine is not insurance.Telemedicine does not replace your primary care physician.Telemedicine physicians not prescribe medications in OK.

Pharmacy Savings CardPharmacy 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.

This program is not available in KS, WA and VT.

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All other Disclosures available on www.hperx.com

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