1. Technology & Healthcare Steve Perroots, VP Claims RazWiniarsky, M.D., CMO

2. Technology & Healthcare • Technology Today • Marriott’s Technology Initiatives • Healthcare Overview • How Much Did That Really Cost? • Is Newer Better? • A Future Vision in Healthcare

3. Step One Technology Transformed Our Daily Lives

5. Greater Access • Informed Consumer • Lower Cost Results

6. Step Two Technology Transformed The Way We Work

7. Marriot’s History of Implementing Technology • KPI (2006) • Document Imaging (2007) • Centralized Claims Handling (2008) • Electronic Recorded Interviews (2009) • Electronic Funds Transfer (2011) • Online Incident Reporting (2012)

8. Step Two • Real-time • Better Collaboration • Lower Cost Technology Transformed Our Business Results

9. Step Three Marriott & Technology

10. UNDERSTAND YOUR GOALS • Improve Customer Experience • Improve Collaboration • Improve Quality of Service • Reduce Costs

11. KPI (2006) • Document Imaging (2007) • Centralized Claims Handling (2008) • Electronic Recorded Interviews (2009) • Electronic Funds Transfer (2011) • Online Incident Reporting (2012) TECHNOLOGY INNOVATIONS

12. WHY not healthcare?

13. CHALLENGES IN HEALTHCARE • Reduce Medical Expense • Improve Outcomes / Reduce Disability • Improve Administrative Efficiency

14. Today’s Healthcare System • Fragmented • Pricing model: confusing, opaque • No mechanism to measure, store, utilize provider outcomes

15. How do providers/payers communicate today? What is the impact of poor record exchange? Fragmented Healthcare Phone/Fax

16. Non-Transparent No Universal Price Broker-based Price Models

17. Physician selection is often subjective and arbitrary. How can we include provider performance in decision-making? Measure/Record Outcomes Complication Rates Patient Satisfaction Return to Work

18. Let’s Talk About Pricing

19. What we (don’t) know MRI Provider Cost ADMINISTRATIVE COSTS PROVIDERCOSTS CARRIERCOSTS

20. What we should know. MRI Provider Cost PROVIDERCOSTS ADMINISTRATIVE COSTS CARRIERCOSTS

21. Time to PlayName That Price! Cost for Hip Implant $1,000 $4,000 $12,000 $19,000 All of the above

22. How Many People Does It Take to Sell a Hip Implant? $1,500 $4,000 Manufacturer| Distributor| Broker | Surgical Center|Patient $22,000 $30,000 $12,000

23. Let’s Talk About Quality

24. Does Newer Mean Better? How to Understand Innovation • 1.5 versus 3.0 Tesla MRI • Number of Sequences • Joint Implants • Recalls

25. Grades of Connectivity in Managed Care LOW PHONE / FAX

26. Grades of Connectivity in Managed Care MED CONNECTED THROUGH INTERMEDIARY

27. Grades of Connectivity in Managed Care HIGH REAL-TIME DATA EXCHANGE • Leverage Technology • Direct Connection with Providers • Reduce Medical Costs • Quality-driven Referrals

28. Questions? Thank you.