Kaiser HealthCare On Call KaiserHealthCareOnCall 800-764-0418

1. Kaiser HealthCare On Call www.KaiserHealthCareOnCall.com 800-764-0418

2. The Healthcare Issue Families Employers • Antiquated, Inefficient Healthcare Delivery System • Up to 70% of Doctor’s Office Visits are unnecessary • Over 66% of all ER Visits are Non-Emergencies, with an average cost of $1,200 • 50+ Million Uninsured, 10s of Millions Underinsured • Nationwide shortage of primary care physicians (especially in rural areas) • Even the insured are making choices between rent, groceries & basic health care • Overuse of Doctor’s and ER visits • Losses estimated at $63 billion+ • Excessive health premiums • Employee productivity loss due to medical absenteeism • Losses estimated at ~$100 billion • New studies finding greater loss due to employees being sick at work (“presenteeism”)

3. We all know someone that has one of these conditions… Addison’s Alzheimer's Depression Crohn’s HIV/AIDS Cancer Leukemia Parkinson’s Pregnancy Stroke Dementia Hepatitis These Common Pre-Existing Conditions Are Deemed Uninsurable Under Individual Medical Insurance HealthCare On Call = No Turn-Downs, No Health Restrictions

4. The Doctor Will See You NOW! Consult A Doctor 24/7 Unlimited Access to Licensed US Physicians By Phone or Email Physician Handles Questions/Concerns. No Follow-Up Necessary Physician Calls in Prescription to Local Pharmacy if Warranted Need to See a Doctor in Person? Physician Visit / Hospital Referral Network Offers Discounts 10% - 40% Member Uses Rx Card to Get Pharmacy Discount

5. HealthCare On Calloffers an affordable benefit plan that covers your entire family. $39.90 Per Month (+ $10 One-Time Signup Fee)

6. Ultimate Protection Package • $39.90/month - $10 one-time signup fee Consult A Doctor / Physician & Hospital Referral Network Coast to Coast Vision. Save 20% to 60% on prescription eyeglasses, including frames, lenses and specialty items at participating retail locations nationwide. Unlimited access to Licensed Physicians by phone or email 24/7, 365 days a year Members save 10% to 40% at participating physician offices and hospitals. The network allows members access to over 285,000 providers including family physicians, specialists, alternative care providers, facilities, and hospitals. No age or medical history restrictions, so anyone can receive savings. Lab Services & Imaging Vitamins Choose from over 400 brands and 12,000 items in stock and enjoy savings of 10% on already low prices. Pharmacy Discounts 10% to 85% savings on most short-tem and acute care medications. Online Drug Price Check Utility provides members the ability to find the price of their prescriptions at participating locations in their zip code. Aetna Dental Access In most instances, members may save 15% to 50% on services from general dentistry and cleanings to root canals, crowns and orthodontia. Receive discounts off usual charges for blood tests and all other lab testing. Members receive discounts of 10% to 60% off usual charges for MRI and CT procedures while utilizing credentialed radiology providers. VIP Diabetic Plan VIP Diabetic Plan is a discount medical program that combines the buying power of thousands of diabetics throughout the US. Through the VIP Health & Wellness program, members save dramatically over the retail price of their diabetic supplies. Hearing Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 35% in retail locations nationwide and discounts of 40% to 60% through the mail order program

7. Ultimate Protection Package • Benefits Continued Legal Care Direct Family Includes nine free services, which include unlimited initial phone consultation for new legal matters, initial one-on-one consultations for new legal matters, attorney review of independent legal documents, assistance in solving problems with government programs such as welfare and insurance, and free simple will with annual updates. When deemed appropriate, attorneys will write letters and/or make phone calls on member’s behalf. Roadside Assistance 24/7, 365 access to towing service. Flat tire, fuel, battery, and lock-out assistance. Covers entire family (children up to age 26). Member chooses one benefit: Legal Care Direct Family or Legal Care Direct Small Business Legal Care Direct Small Business Free Attorney Provided Servicesinclude unlimited initial phone consultations during business hours for new legal matters, Initial telephone calls made/Initial letters written on behalf of your business if deemed appropriate by plan attorney (two per month), Initial collection letters (10 per quarter), and One on one consultations for each new legal matter (30 minute time limit per subject matter). Attorney will review 5 contracts (10 pages each) per quarter. Safe Identity - Optional Benefit Safe Identity is a proactive program specifically designed to identify Identity Theft in its early stages, and to help bring the member’s identity back to a pre-theft status. If potential fraudulent activity is found, a personal phone call is placed to the member. Includes Identity Risk Score, ID Restoration Service, ID Theft Insurance (up to $25,000). Members receive a 60-minute telephone consultation on avoiding Identity Theft. Plan includes: Consult A Doctor™, Physician Visit/Hospital Referral Network, Aetna Dental Access, Coast To Coast Vision, Pharmacy, Hearing, Lab Services and Imaging, Vitamins, VIP Diabetic Plan, Roadside Assistance, and Legal Care Direct Family OR Legal Care Direct Small Business. Safe Identity is an optional benefit.

8. The Business Partnership

9. KHCOC As a Voluntary Benefit KHCOC can be offered as a voluntary benefit One study showed that 47% of employees are willing to pay between $25 and $49 more per month for more choices in their benefits plans, with 25% willing to pay $50 more per month. More and more employees are asking for voluntary benefits and are willing to pay for them.  Worksite Implementation • Improve Employee Morale and Overall Health • Benefits are Key in Recruiting and Retention • Shifts Costs from Employers to Employees • Flexibility for Employees • Employee Tax Benefits • Optional Payroll Deduction • Flexibility for employees • Decide how to spread discretionary income on additional products and services that fit their needs • Greater interest in worksite benefits by both employers and employees • Voluntary benefits offer a wide selection of different products that fit the need of the employees • Employers are looking for ways to shift costs to employees • Voluntary benefits provide a viable solution for doing so • Good benefitsare key in recruiting and retention • Comprehensive voluntary benefits are appreciated by employees • Wide array of voluntary benefits gives employees more control and choice • Employees see advertising for certain benefits, get curious and inquire about whether these benefits can be offered on a voluntary basis • Voluntary benefits improve employee morale • Employees can receive tax benefits from voluntary benefits. • Voluntary benefits can be offered with no additional employer costs • Voluntary benefits provide employees with an easy payment method through payroll deduction. • Voluntary benefits have lower costs and/or better options by being offered through the employer. • Accessibility and convenience to employees • rather than having them shop around on their own

10. Kaiser HealthCare On Call Proven Value • 20 Years in Business • Kaiser HealthCare On Call users have reported: • 90% - Avoided a Doctors Office or ER Visit • 85% - Saved Time and Money • 98% - Would Recommend Service • 97% - Physician Spend Appropriate Time • 98% - Physician Answered All Questions • OUTSTANDING PHYSICIANS! • OUTSTANDING QUALITY CARE!

11. Disclosures 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. This discount card program contains a 30 day cancellation period. FL, LA, 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. MD Residents: The membership fee and one-time registration fee (minus $5.00) will be refunded if cancelled within the first 30 days and upon return of the discount card. 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 5.00. 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, PO Box 671309 Dallas, TX 75367-1309, 800-800-7616. Website to obtain participating providers: www.locateproviders.com.

12. Kaiser HealthCare On Call 8000 IH 10 West, Suite 1500 San Antonio, Texas 78230 www.KaiserHealthCareOnCall.com 800-764-0418