HealthAllies, Inc. Overview

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HealthAllies, Inc.Overview
Presented by

Helping Consumers Save Real Money on Health
Care www.healthylife.healthallies.com
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HealthAllies Company Information

• About HealthAllies
• A UnitedHealth Group Company
• Current membership 15 million members
• About UnitedHealth Group (NYSE UNH)
• Annual revenues of 76 billion
• An innovative leader in the health and well-being
  industry, serving approximately 70 million
  Americans
• Ranked in the top 25 of the Fortune 500
• Ranked No. 3 on Fortune magazines 2007 list of
  the Most Admired Health Insurance Companies

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Health Discount Program

• The HealthAllies Mission Helping consumers save
  real money on health care purchases outside of
  insurance
• A health care alternative for those that do not
  have insurance
• A health care complement for those that have
  insurance

because no one should pay retail for health care.
Disclosure The HealthAllies discount program is
administered by HealthAllies, Inc., a discount
medical plan organization located at 505 N. Brand
Blvd., Suite 850, Glendale, CA, 91203,
1-877-259-4226. HealthAllies is not insurance.
HealthAllies provides discounts at certain health
care providers for medical services. HealthAllies
does not make payments directly to the providers
of medical services. The program member is
obligated to pay for all health care services but
will receive a discount from those health care
providers who have contracted with the discount
plan organization
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HealthAllies Markets and CustomersA Partial
Listing of Companies Offering Health Allies
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The Health Discount Program Market

• The market is a nearly 2 billion dollar industry
  growing at over 20 per year.
• Over 90 of current discount program cardholders
  purchased their membership voluntarily

Employer Involuntary 1.3M Cards 9
Employer Voluntary 5.2M Cards 33
Consumer Fee Paid 9M Cards 58
Est. 2006 market size 15.5 million members
The discount health business is a 1.78 billion
industry, estimated to grow at 20 per year

Source Discount Health Plan Market Assessment,
study conducted for HealthAllies by BlueFrame
Strategic Intelligence, October 10, 2006
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HealthAllies Market Differentiators
Quality of Networks and Partnerships
Outstanding Member Support
Stability and Strength of Brand

• Fully integrated Web site and call center
• Discount confirmation process and outbound
  provider concierge calls assure positive
  point-of-service experience
• Minimum Discount Guarantee policy - HealthAllies
  members are guaranteed to save!
• Member Kit including card and handbook
• Ongoing member engagement

• Established 1999
• Part of UnitedHealth Group, a 76 billion company
• Licensed Discount Medical Plan Organization
  (DMPO)
• Available in all fifty states

• Leading provider networks, including UnitedHealth
  Group companies Spectera, DBP and ACN Group
• Approximately 600,000 provider locations
  nationwide
• Savings available on well-known brands such as
  Jenny Craig, Spa Finders, Champion apparel,
  NordicTrack and dozens more

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A Passion for Customer Service

• Customer Service
• HIPPA certified
• Service center voted 2 best place to work in the
  nation for mid-sized companies
• Network provider search on-line or by calling
  customer service
• Unique toll-free number customized greeting
  available
• Spanish speaking representatives
• Hours 7 am to 8 pm Central Monday Friday
• Fulfillment
• Immediate access to benefits upon enrollment via
  credit card
• Personalized Member ID cards for member and
  spouse
• Co-branded handbook with customizable welcome
  text
• On-going member communication via direct mail
• Informative opt-in monthly e-newsletters

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Benefits for You!

• Benefits for your company
• Single-source solution
• Valuable wellness tools and information
• Turn-key administration
• Complements existing benefits
• Opt-in newsletter promotes program usage and
  encourages healthy lifestyles
• Increases value of FSA accounts

• Benefits for employees/members
• Guaranteed savings!
• Offers discounts on non-covered services makes
  health care more affordable for those without
  coverage
• Family membership
• No eligibility restrictions or health questions
• No claim forms or maximums
• A program that members can use everyday

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As a Complement to existing Benefit Plans

• The problem Employees need help with non-covered
  spending
• In 2005, 6 of all household personal income was
  spent on health care, including premiums,
  deductibles, co-pays and non-covered expenses1.
• On average, consumers with private insurance
  paid
• 76 of the cost of vision care
• 37 of the cost of dental care
• 21 of the cost of home health care
• 56 of other non-covered health expenses2
• Vision, dental, home health care and other
  out-of-pocket purchases accounted for 29 of all
  out-of-pocket spending1.

• The Solution HealthAllies
• Typical savings of 10-50 on many non-covered
  health care purchases such as
• Weight loss
• Alternative care
• Health supplies
• Cosmetic dental
• LASIK
• and much more

1 Centers for Medicare and Medicaid Services
(CMS), Jan 2007 2Non-elderly persons with
private insurance. 2003 data. Snap Shots Health
Care Costs Distribution of Out-of-Pocket
Spending for Health Care Services, May 2006,
Kaiser Family Foundation, www.kff.org
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As an Alternative to Health Benefits

• The Problem Small employers are finding it
  increasingly unaffordable to offer health
  insurance to their employees.
• In 2006, only 60 percent of all employers with
  between three and 199 workers provided insurance,
  down from 68 percent five years earlier1.
• Fewer than half of very small firms (those with
  three to nine employees) offer employer-sponsored
  health insurance to their employees2.
• The cost of health care has replaced concern
  about energy and fuel as the leading issue
  impacting small businesses3.

• The Solution HealthAllies
• Typical savings of 10-50 on a wide range of
  health care needs, including
• Medical care, including hospitals
• Pharmacy
• Dental care
• Vision care
• Alternative care
• Wellness
• Health supplies
• Long-term care services
• Hearing
• Infertility treatment
• Behavioral health

1Employer-sponsored Health and Retirement
Benefits Efforts to Control Employer Costs and
the Implications for Workers, (GAO-07-355), U.S.
Government Accountability Office, June 2007 2
Econometrica, Inc. Bethesda, MD, Structural
Factors Affecting the Health Insurance Coverage
of Workers at Small Firms. U.S. Small Business
Administration, Office of Advocacy, March 2007 3
Small Business Research Board (SBRB) Study
Health Care Costs Again Leading Concern of Small
Business. Conducted by International Profit
Associates IPA, Inc. Buffalo Grove, Il, April
2007
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As an Option for Benefits-ineligible Workers

• The problem Nonstandard workers (part-timers,
  contract and seasonal workers) make up about 25
  percent of the U.S. workforce, 4.3 million
  workers.
• Less than 25 percent of part-time and seasonal
  employees have employer-sponsored health
  coverage1.
• Seventy-two percent of ALL size companies do not
  offer health benefits to part-time workers2.
• Nonstandard workers are twice as likely to be
  uninsured in a twelve-month period compared with
  all working-age Americans3.

• The Solution HealthAllies
• Typical savings of 10-50 on a wide range of
  health care needs, including
• Medical care, including hospitals
• Pharmacy
• Dental care
• Vision care
• Alternative care
• Wellness
• Health supplies
• Long-term care services
• Hearing
• Infertility treatment
• Behavioral health

1 Popkin, Joel, and Company (2005). Cost of
Employee Benefits in Small and Large Businesses.
Small Business Administration, Office of
Advocacy. August, 2005. Cited in Econometrica,
Inc. 2007 2 The Kaiser Family Foundation/Health
Research and Educational Trust 2006 Annual
Employer Health Benefits Survey (Kaiser/HRET) 3
On the Fringe The Substandard Benefits of
Workers in Part-time, Temporary, and Contract
Jobs. Elaine Ditsler, Peter Fisher, and Colin
Gordon, Iowa Policy Project, December 2005,
Commonwealth Fund pub. no. 879.
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Available Discount Categories Typical Savings
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Online Marketplace

• Features a broad portfolio of partnerships
  offering savings on everyday health and wellness
  needs

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Helping Members Stay Healthy

• Interactive informative tools

• NurseLine Talk to a registered nurse anytime by
  phone or online chat

• Useful health assessments
• Health risk assessment (health mirror)
• Cancer prevention quiz
• Stress awareness quiz
• Are you wise about exercise?
• Child safety quiz
• Depression quiz
• Medical myths quiz

• Checklists worksheets
• Baby sitters checklist
• Growth percentile charts
• Immunization worksheet
• Healthy weight chart

• Calculators
• Body mass index
• Dietary fat
• Financial calculators
• Savings
• Mortgage
• Credit card debt

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Helping Members Stay Healthy

• Up-to-date health education
• Health library with encyclopedia dictionary
• Audio library health information is a phone
  call away
• Symptom guides (whats behind your symptoms)
• News summaries featured articles
• How to info (choose a training program, prevent
  injuries, etc)

• Wellness 360 rewards members for a healthy
  lifestyle
• Members earn redeemable rewards points by
  simply
• Updating electronic medical records
• Reading targeted messages
• Participating in surveys
• Using online health and wellness services offered
  through wellness360
• These points are converted to cash and paid out
  quarterly when the member reaches a minimum of
  25.

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HealthAllies Offers Real Savings!
Savings Examples
Based on mystery shopping data, January 2007-May
2007. The prices in this chart are for example
purposes only. Actual prices and savings may vary
among individual providers.
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Check Out a Demo Program

• Step 1
• Visit www.healthylife.healthallies.com
• Input
• Username healthylife123
• Password password1
• Step 2
• Select a discount category (such as Vision)
• Step 3
• Select a specialty (such asLaser Vision
  Correction) to get a list of participating
  providers by ZIP code

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HealthAllies Is at the Intersection of Key Market
Trends
HealthAllies
Transparency
Financial Services
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Dont miss out

• To sign up for the HealthAllies discount program,
• Contact our Preferred Broker
• Jim Newhouse
• Direct Tel [phone]
• jnewhouse_at_newhousefinancial.com
• www.groupinsurance.net