Xpress HealthCare Experience The Savings

Form P-19053

Disclosures:

This plan is NOT insurance. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department,

PO Box 671309, Dallas, TX. 75367-1309

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. 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. 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.

Not available in KS, UT, VT, and WA.

Form P-19053

Before We Get Started

Xpress HealthCare

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With our programs, you grow your product offering, and your bottom line. And best of all, with Xpress Healthcare providing the products, administration, print services, billing and compliance, you’re able to

do what you do best – run your business.

Xpress HealthCare gives you the ability to do more for your employees than

you ever thought possible.

Perhaps the BIGGEST challenge of small business owners today is offering a health benefit package for employees in the middle of this current health care crisis that is making insurance premiums sky rocket like never before. Many employers nowadays end up OPTING OUT on employer-paid health coverage because paying out high premiums is just not an option for the company anymore.

Taking Care of Your Employees

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Current Trend

The Kaiser Family Foundation, which releases the annual survey of employer- paid insurance, reported an increase of 9 percent in 2011, up from 3 percent in 2010. The report also documented a dramatic decade-long rise for both employers and employees. Annual employee contributions now total more than $4,100 on average. That’s more than 130 percent higher than back in 2000!

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Employers are doing their best to still offer benefits BUT have already resorted to cutting costs by enrolling in high- deductible policies that cut annual premiums, and requiring employees to pay more out of pocket for medical care. Most large employers who are employing 200 people or more generally self insure. Their costs are going up just as fast as those with health insurance coverage from a major carrier!

Current Picture

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This trend isn’t changing any time soon and both employers and employees alike will have to either continue the struggle with traditional health insurance coverage, or consider creative solutions such as pairing a discount medical card program with a high deductive health plan.

The Solution at Hand

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Product & Services

Xpress HealthCare’s discount membership program gives an opportunity for companies and business owners to offer a discount benefit package to help all their employees – the insured, uninsured and under-insured.

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HEALTH BENEFITS Chiropractic Dental Care Diabetic Care Supplies Durable Medical Equipment Hearing Aids & Products Lab & Imaging Medical Bill Saver Nurse Hotline Pharmacy Physician Visit & Hospital Vision Care Vitamins/Nutritional Supplements

LIFESTYLE BENEFITS Legal Services LifeLock Pet Care Savings Roadside Assistance Cash Back Rewards

Building a best in class business begins with best in class products and services.

Discount Benefits

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+ EASY TO USE

+ NO HEALTH RESTRICTIONS

+ USE IMMEDIATELY UPON RECEIPT OF CARD

+ NO LIMIT ON NUMBER OF VISITS

+ NO PAPERWORK

These Benefits are NOT Insurance

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HEALTH BENEFITS

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CHIROPRACTIC CARE

+ 30% to 50% savings on diagnostic services and treatments

+ Free initial consultation

+ Over 3,000 participating chiropractors nationwide

+ No limits on the number of visits

Chiropractic Benefit is not available to VT residents.

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DENTAL CARE

+ Savings of 15% to 50%* on most dental services

+ Orthodontics, Periodontics & Endodontics

+ Over 92,500 participating dentists nationwide**

+ No limit on the number of visits

*Actual costs and savings vary by provider, service and geographical area. ** According to the Aetna Enterprise Provider Database as of November 1, 2010. Dental Benefit is not available to VT residents.

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DIABETIC SUPPLIES

+ Many different product packages to choose from based on testing requirements. Product packages are designed for everyday testing.

+ Product packages are priced from $29.99/month to $169.99/month, which is 60% off the average competitors' retail prices.

+ Save an additional 15% off on any single order items including test strips, lancets, lancing device, and more.

+ Toll-free ordering, regular shipments and convenient home delivery on all diabetic supplies.

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HEARING AIDS

Beltone Network + Over 1,350 Beltone locations nationwide + Save 15% on over 70 models of Beltone hearing devices. + Free hearing test.

Newport Audiology Centers + 35% discount off hearing aid prices at over 2,000 locations + 100% Service Satisfaction during the first 60 days

Mail Order Service + Over 100 makes and models + Save 40% to 60% off National Average Retail Pricing + Free 45-day in-home trial period. + Low member prices on factory fresh batteries

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LABS & IMAGING

+ Discounts of 10% to 60%* off usual charges for MRI and CT procedures

+ Discounts off usual charges for blood tests and all other lab testing

+ Over 2,900 outpatient radiology facilities in all 50 states

* Savings may vary based on geographic location, provider selected and procedure performed. The lab network portion of this benefit is not available in NJ, NY and RI .

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MEDICAL BILL SAVER

+ Advocates work with healthcare providers and attempt to lower uncovered medical and dental bills over $400

+ Negotiation can result in 25-50% savings

+ Easy-to-read, personal Savings Results Statement

+ Quick-pay fund available in some circumstances

+ Provider sign-off on payment terms and conditions

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MEDICAL SUPPLIES

+ Save 20% to 50% and receive a $5 discount on orders of $100 or more

+ Toll-free and online ordering for convenient home delivery on a wide range of health and wellness products.

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NURSE HOTLINE

+ Toll-free telephone access to experienced registered nurses, 24 hours a day, 365 days a year.

+ Answers to questions about prescription and over-the-counter medication usage and interaction.

+ Audio health information library with over 100 health-related topics in English and Spanish.

+ Services for non-English speaking callers and the hearing impaired.

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PHARMACY - RETAIL

+ Save 10% to 85% on short term, acute care medications such as antibiotics and pain killers.

+ Over 60,000 chain and independent pharmacies nationwide including: Wal-Mart, Rite-Aid, CVS, Walgreens, Kroger and many more.

+ For 2010– we processed more than 4 million prescriptions and saved members more than $70 million with an average savings of 37%.

+ Discount drug pricing tool – www.rxpricequotes.com Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies.

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PHARMACY – MAIL ORDER

+ Guaranteed lowest pricing on maintenance medications.

+ Prices average 10% below AARP.

+ Minimum of $5 off best local retail price quote – brand or generic over $10.00 Guaranteed!*

+ Open Formulary (includes new and experimental drugs).

+ Outstanding quality control.

+ Home delivery with no postage or dispensing fees.

+ Toll-free number for price quotes and ordering.

*The $5.00 guaranteed savings cannot be used in conjunction w ith other discount or insurance cards. *Pharmacy discounts are not insurance and are not intended as a substitute for insurance.

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PHYSICIAN VISIT / HOSPITAL

+ 10% to 40 % savings on physician visits at over 300,000 offices nationwide and 10% to 40% savings at thousands of hospitals and outpatient facilities.

+ Network includes family physicians and specialists (e.g. OB/GYNs, Pediatricians, Cardiologists, Dermatologists and Cosmetic Surgeons).

Hospital benefit not available in Maryland and Vermont Physician Visit Benefit is not available to Vermont residents

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VISION

+ 20% to 60% savings on eyewear.

+ Over 12,000 participating Coast to Coast Vision™ locations nationwide.

+ Most frames, lenses and specialty items are available.

+ 10% to 30% savings on eye exams.

+ No limit on the number of times membership may be used during the year.

+ Accepted by LensCrafters, JCPenney, EyeMasters, Pearle Vision, Sears, Sterling Optical and Target.

Vision Benefit is not available to VT residents.

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VISION (MAIL ORDER CONTACTS)

+ Convenient toll-free ordering

+ 10% to 40% savings on mail order replacement contacts.

+ Most major brands of soft & gas permeable lenses are available including:

Disposable Acuvue Durasoft Encore Freshlook Biomedic Soflens Optima

Gas Permeable Boston Fluoroperm Focus

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VISION (OPHTHALMOLOGY)

+ 10% to 30% savings on eye exams.

+ Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).

+ Nationwide network of Laser Surgery Centers and independent ophthalmologists.

+ PRK and LASIK

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VITAMINS

+ Toll-free and online shopping. Choose from brand names you know and trust such as Country Life, Natures Way, Twinlab and Enzymatic Therapy.

+ Up to 80% savings on the retail price of over 12,000 products.

+ Timely, convenient home delivery of vitamins, supplements and a wide variety of natural health products.

+ All purchases include a 30-day unconditional money-back guarantee.

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LIFESTYLE BENEFITS

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CASH BACK SAVER

+ CashBack on every purchase made in the online mall

+ Access to over 1,000 of the best stores in the nation

+ Hundreds of special deals daily

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LEGAL CARE DIRECT

+ Nine free services which include: Unlimited initial phone consultations for new legal matters Initial one-on-one consultations for new legal matters Document review (6 pages or less) Letters written on the member’s behalf Phone calls made on member’s behalf Assistance with governmental programs Assistance with small claims court representation Free simple will with free annual updates Free living will

+ Eight commonly used legal services deeply discounted, such as

traffic ticket defense, name change, simple divorce, simple trust and more.

+ Plan attorneys will either charge $125.00 per hour, or 40% off their

usual and customary hourly rate, whichever is greater.

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LIFELOCK + LifeLock Identity Alert™ System – provides early notification by email,

postal mail, and/or phone whenever they detect your personal information being used to apply for many forms of credit or services

+ WalletLock™ helps cancel and replace the contents of a lost or stolen wallet. eRecon™ patrols the web and notifies you of illegal selling or trading of your information. TrueAddress™ notifies you when a change of address is requested in your name

+ Free annual credit reports from the three major credit-reporting agencies

+ Fewer pre-approved credit card solicitations. + 24-hour customer service + $1 million total service guarantee – as a LifeLock member, if you

become a victim of identity theft because of a failure in their service, they will help you fix it at their expense, up to $1,000,000 (Restrictions apply. See lifelock.com for details)

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PET CARE SAVINGS

+ Save 25% on most procedures with each visit to a network veterinarian.

+ Save 10% to 35% at participating providers on pet services such as boarding, doggie day care, training, pet sitting and grooming.

+ Save 10% to 35% at participating merchants on pet supplies such as food, beds, toys, treats and vitamins.

+ Free pet ID tag and 24 hour location service for lost pets.

+ Savings for most animals regardless of age or health.

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ROADSIDE ASSISTANCE

+ Available 24 hours a day, 365 days a year

+ Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges

+ Covers Member, spouse and dependent children up to age 21 permanently residing at registered address when driving any vehicles they own or lease (12 months or longer)

+ Towing Assistance

+ Flat Tire Assistance

+ Fuel, Oil, Fluid and Water Delivery Service

+ Lock-out Assistance

+ Battery Assistance

+ Collision Assistance

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Programs & Services

Lifestyle Select $19.95/month

Pet Care

Roadside Assistance Legal

LifeLock Cash Back Rewards

Premium $19.95/month

Dental

Medical Supplies & Equipment Vitamins

Diabetic Supplies Medical Bill Saver

Hearing Vision

Pharmacy / Rx

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Programs & Services Cont.

Premium Plus $29.95/month

Dental

Medical Supplies & Equipment Vitamins

Diabetic Supplies Medical Bill Saver

Hearing Vision

Pharmacy / Rx Physician / Doctor

Nurse Hotline Chiropractic

Labs & Imagining

Xclusive $49.90/month

Dental Medical Supplies & Equipment Vitamins Pet Care Diabetic Supplies Legal Service Medical Bill Saver LifeLock Hearing Roadside Assistance Vision Cash Back Rewards Pharmacy / Rx Physician / Doctor Nurse Hotline Chiropractic Labs & Imagining

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Administration

• Call Center Services – Onsite member services call center – Explain how to use benefits, verify

discounts, and assist with complaint resolution

• Registration, Processing, Payments & Billing – Multiple methods of registration

including secure online applications – Billing department ensures payments

are received and member fees are distributed with precision

• Compliance – Ensure strict adherence with state and

federal regulations

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What our Members are saying…

“I was prescribed Clomiphene Citrate, which isn't covered by my insurance. I went to my local CVS pharmacist, who told me the retail price would be $162.00. I did a search online w ith my discount card and found a pharmacy two doors down selling it for $72.00.” —Raul L. from FL “ “I have a one pill per day maintenance medication (lamotrigine) that is $320 for a 90 day prescription by using my insurance. With my discount prescription card, I get the exact same drug for a fraction of the cost, $31.60 for a 90 day supply!” — James H. from TX “ “Two weeks after receiving my discount card I had a dental emergency. With the discount cards help we were able to locate a dental provider very near our offices. The emergency that I experienced required that I have one tooth capped and another one filled. The discount card saved me $200.” —Wood S. from CA

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Thank You

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