Whether you have insurance or not, these discount benefits can save you money! Healthy Savings are Here Enhance Your Life!

Transcription

1 Whether you have insurance or not, these discount benefits can save you money! Healthy Savings are Here Enhance Your Life!

2 Disclosures Teladoc does not replace the primary care physician. Teladoc is not available in Oklahoma. Teladoc does not guarantee that a prescription will be written and operates subject to state regulations. Teladoc does not prescribe DEA controlled substances. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc, Inc The discount program provides access to the Aetna Dental Access network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes. This Plan Is Not Insurance. The plan provides discounts at certain healthcare providers for medical services. The plan does not make payment 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 organizations. This discount card program contains a 30 day cancellation period. FL, LA, MD, MS, ND, OK, RI, SC, SD and TX residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date. AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. MA Residents: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box Dallas, TX , Internet website address to obtain participating providers, The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received. The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state, and specialty of each program provider located in the cardholder's service area. Discount Medical Plan Organization New Benefits, Ltd. Attn: Compliance Department P.O. Box Dallas, TX A list of providers is also available in your area online at: DISTINCTBENEFITSOLUTIONS.COM Pharmacy discounts are NOT INSURANCE and are not intended as a substitute for insurance. The discount is only available at participating pharmacies. Actual cost and savings vary by provider and geographical area. Not available in WA.

3 What We Provide to You: Access to Exclusive, Money Saving, Discount Health Benefits Offered by Industry Leading Brands. A Resource to help you offer value to potential new Team National Members.

4 Agenda: Review how Discount Health Benefits work Situations with and without insurance Review new Resources to help you sell value to potential new Team National Members.

5 The Benefits Are Unique EASY TO USE NO HEALTH RESTRICTIONS USE IMMEDIATELY UPON RECEIPT OF CARD NO LIMIT ON NUMBER OF VISITS IMMEDIATE DISCOUNT AT TIME OF SERVICE. NO FORMS TO COMPLETE ONE MEMBERSHIP IS GOOD FOR YOU AND YOUR IMMEDIATE FAMILY Everyone Benefits! ALL AGE GROUPS INSURED INDIVIDUALS WITH HIGH DEDUCTIBLE PLANS THE UN-INSURED CONSUMER UNDER-INSURED CONSUMER THESE BENEFITS ARE NOT INSURANCE

6 Discount Health Benefit Packages

7 Telehealth Benefit Provided by: Provides access to a national network of board-certified, state licensed primary care physicians with over 15 years of experience and training in telehealth who: Diagnose Recommend or refer Prescribe medication (when appropriate) for short term illnesses From Home, Office or on the road Over the telephone 24 hours a day 7 days a week 365 days a year Includes you and your immediate family Never again sit for hours in an Urgent Care waiting room for non-emergency illnesses Electronic Health Record (EHR) from consult sent directly to your primary care physician No consult fee Teladoc does not replace the primary care physician. Teladoc is not available in Oklahoma. Teladoc does not guarantee that a prescription will be written and operates subject to state. regulations. Teladoc does not prescribe DEA controlled substances. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc, Inc

8 Healthy Savings Example*: Employer Paid Insurance Family of Four (Avg. Mo Premium of 325; 2 Visits per Member; 50 Co-pay) Cash Pay (220/visit) DBS Premium Plus Plan includes Annual Premium / Membership Fee 3, N/A Short Term Illness Out of Pocket , Total Out of Pocket Expense per Family 4, , *Annual

9 Vision Care and Eyewear Provided by: 20% to 60% savings on eyewear. Over 12,000 locations nationwide. Most frames, lenses and specialty items available. Accepted by Lens Crafters, JC Penney, EyeMasters, Pearle Vision, Sears, Sterling Optical and Target. 10% to 50% savings on eye exams and surgical procedures including LASIK where available. Mail Order Contacts Convenient toll-free ordering. 10% to 40% savings on mail order contacts. Most major brands of soft and gas permeable lenses available.

10 Vision Savings Example*: VSP Signature Plan DBS Basic Plan Yearly Amount in Premiums Annual Member Fee Eye Exam Eye Exam Lenses - single vision polycarbonate Lenses - single vision polycarbonate Guess GU 1148 Frame Guess GU 1148 Frame Acuvue 2 Disposable Contacts Acuvue 2 Disposable Contacts Total: VSP Signature Plan B with co-pay, a common VSP plan purchased Total: Percent Savings: 29% * Regional average savings; will vary by market

11 Dental Care Provided by: Savings of 15% to 50%* on most dental procedures Orthodontics, Periodontics, Veneers, Whitening, Dentures, etc. Over 92,500 dentists nationwide** No maximums or limits on the number of visits Online Access to Providers in your local market * Actual costs and savings vary by provider, service and geographical location. ** According to the Aetna Enterprise Provider Database as of November 1, 2010 The discount program provides access to the Aetna Dental Access network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are individual contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

12 Dental Savings Examples: Product/Service Adult Cleaning (White) Filling Crown Full Upper Denture Orthodontics Molar Root Canal Select Reg. Avg. Cost Av. Cost w/ Aetna Dental , , , Total Savings , Anticipated national average dental charges for the 2006 calendar year based on the comparison of provider negotiated fees to national average charges. Actual costs and savings vary by provider, service and geographical area.

13 Dental Savings Examples: Insurance Charges Discount Charges First 12 Months Premium (Family) Annual Member Premium Plan Adult Cleaning 5.00 Adult Cleaning Child Cleaning 5.00 Child Cleaning Routine Check-Up 5.00 Routine Check-Up Four Bitewing X-Rays 5.00 Four Bitewing X-Rays Composite (white) Filling Composite (white) Filling Crown Crown Molar Root Canal Molar Root Canal Extraction (single tooth) Extraction (single tooth) , Total Discount Charge: 1, Percent Savings: 37% Total Insurance Charge: Total Savings: * Insurance plan based on the Aetna DMO Plan. ** Anticipated national average dental charges for the 2006 calendar year based on the comparison of provider negotiated fees to national average charges. Actual costs and savings vary by provider and geographical area. Numbers given are regional average fees.

14 Dental Savings Strategies Most Dental Insurance Plans have annual caps for expenses Leverage insurance coverage first, up to maximum out-of-pocket Use DBS discounts for balance* of services needed no annual cap We have received many testimonials from Team National Members about their dental savings paying for their annual or Lifetime Team National Memberships or their DBS plan. The first time we used the benefit was when Buddy had to have three (3) crowns done. We saved I (Sassy) recently had to have a crown redone. Without DBS, it would have cost 1188; with DBS, I paid 680. That savings alone pays for three years subscribing to the DBS Premium + plan. And, it s so easy to look up and find providers online. Buddy and Sassy Ross, Team National IMD *Provider must be part of Aetna Dental Access

15 Prescription Discount Card Provided by: Save 10% to 85% any prescribed medications. Over 60,000 chain and independent pharmacies nationwide including: CVS, Walgreens, Albertsons, Smiths, Costco, Wal-Mart and many more. Can provide savings on medications not covered by insured prescription plan, those with high co-pays or if there is no insured RX benefit. Provides tools to locate pharmacies and price prescription drugs. ( Mail Order Pharmacy Competitive pricing on maintenance medications. Home delivery with no postage or dispensing fees. Toll Free number for price quotes and ordering. Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. This discount is only available at participating pharmacies. The 5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards.

16 Rank Label Name Strength Avg. Retail Price Avg. Member Price 1 Oxycodone HCL 30mg % 2 Plavix 75mg % 3 Suboxone 8mg-2mg % 4 Viagra 100mg % 5 Cialis 20mg % 6 Azithromycin 250mg % 7 Lantus 100 units/ml vial % 8 Hydrocodone-Acetaminophen mg % 9 Alprazolam 2 mg % 10 Proair HFA 90mcg % Total Savings % Savings 34% Top 10 Prescription Medications Consumed in the United States in 2011 (Pharmastrategies report) * Prices are subject to change without notice * Information provided intended to be savings examples and the prices used are not guaranteed. * Actual savings vary by provider and geographical area. All retail prices are based on the average one-month supply of the prescription.

17 Hearing Aids/Products provided by: Retail Hearing Aids 1,350 Beltone locations nationwide Receive a free hearing screening 15% off over 70 models of Beltone Hearing Aids including state of the art digital hearing aids, Completely-In-the-Canal, In-the Ear and Behind-the-Ear models. Members also receive a 35% discount off hearing aid prices at more than 2,000 Newport Audiology Centers. Mail Order Hearing Aids Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing instruments. 45-day in-home trial period and one full year factory warranty Any make/model hearing aid less than five years old may be repaired with a six month warranty for a nominal fee based on model

18 Labs & Imaging Benefit Provided By: Discounts of 10% - 60% on MRI and CT procedures. Over 2,900 locations credentialed radiology providers. Discounts of 10% - 60% off usual charges for blood tests and all other lab testing. Diabetic Supplies Provided By: Plans are priced from 29.99/ month to /month, 60% off the average competitors retail prices. Plans include a premier Glucose Meter, control solution, test strips, lancets, and lancing device. Toll-free ordering, regular shipments, and convenient home delivery

19 TEAM NATIONAL ROI An average family of four, without Health Insurance, can save their entire Team National Membership investment of 2195 in less than 1 year through savings from the DBS Premium + Plan. An average family of four, with Health Insurance, can save an average of in one year through savings from the DBS Premium + Plan

20 Healthy Savings Example*: Family of Four Employer Paid Insurance Cash Pay (220/visit) DBS Premium Plus Plan includes Health Insurance Annual Premium / Membership Fee 3, N/A Short Term Illness Out of Pocket , Vision - Annual Premium / Membership Fee N/A Exams/Frames/Lenses Included in Health Insurance Annual Premium 1, Discount Prescription - Annual Premium N/A Included in DBS Premium + Plan Included in DBS Premium + Plan (avg of 12.6 Rx medications per person annually) (assumes 10 co-pay per member) Dental - Annual Premium & Expenditures , , , , , Total Out of Pocket 7, , , DBS Savings % 28% 54% *Note: The data utilized is for example purposes; savings will vary based on region and provider, and type of insurance plan.

21 Membership Fulfillment Full color laminated cards (2) Membership card is showcased in a window envelope for a custom look mailed to member s home address. Welcome Kits include: "Welcome letter," "How to use benefit information booklet, and personalized provider listings for each member s zip code.

22 One Membership is good for You and Your Immediate Family!

23 QUESTIONS?

24 Integrate DBS Packages in your Business Sales Plans Rising Healthcare Costs are Universal Concerns. Provide solutions to business partners to attract and retain employees. Access to our expertise to increase sales closure rate. Bundled Approach with ADP Payroll and Credit Card Processer. Position Team National as One-Stop-Shop Savings Solution.

25 DBS Provides: Team National Memberspecific Website Rx Discount Card & Rx Savings Access to a Team National Member-specific Portal to order sales materials to assist you in your selling efforts Sales expertise on large client proposals. Marketing Materials (Compliance Approved). Census Enrollment for groups of 10 or more.

26 Marketing Tools: Save & Earn Guidebook Ad

27 Marketing Tools: How To Use Discount Prescription Brochure Discount Prescription Card Team National Sales Brochure