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CAREINGTON INTERNATIONAL

CAREINGTON INTERNATIONAL. CARE INGTON Total-Care Plan. CARE INGTON Total-Care Plan. MEDICAL DENTAL VISION PRESCRIPTION DRUG HEARING CHIROPRACTIC & WELLNESS 24/7 NURSE LINE DIABETES MANAGEMENT. CARE INGTON Total-Care Plan. Corporate Profile:

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CAREINGTON INTERNATIONAL

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  1. CAREINGTON INTERNATIONAL CAREINGTON Total-Care Plan

  2. CAREINGTON Total-Care Plan • MEDICAL • DENTAL • VISION • PRESCRIPTION DRUG • HEARING • CHIROPRACTIC & WELLNESS • 24/7 NURSE LINE • DIABETES MANAGEMENT

  3. CAREINGTON Total-Care Plan Corporate Profile: • PHCS is the first and only national PPO to earn four endorsements of quality from two independent, nationally recognized quality assurance organizations, the National Committee for Quality Assurance (NCQA) and URAC. • NCQA certification for Credentialing and Re-credentialing (August 2001) • NCQA certification for Utilization Management (May 2001) • URAC accreditation for Health Network with Credentialing (October 2001) • URAC accreditation for Health Utilization Management (July 1993) Key Features of PHCS: • PHCS is the largest proprietary PPO in the country with nationwide access • Member receives identification card and ‘Dear Doctor’ letter in their fulfillment kit with instructions to call CAREINGTON’S Physician Relations Department • CAREINGTON’S Physician Relations Department will provide the member with a list of providers after verifying which PHCS provider is participating in the discount card program. • CAREINGTON Physician Relations Specialist (PRS) will call the provider to confirm participation and make an appointment for the member • The live-operator feature ensures a positive member/provider experience • Providers must pass strict credentialing criteria • PHCS has relationships with providers associated with the majority of specialties.

  4. CAREINGTON Total-Care Plan Physician Discounts with PHCS • 20% to 45% Savings on medical procedures including tests, office visits, mammograms, chest x-rays, outpatient and hospital stays • Over 350,000 medical doctors including Allergy, Pediatric, Oncology, Radiology, Internal Medicine, Neurology, Cardiology, Orthopedic, OB/GYN, and Family Practice

  5. CAREINGTON Total-Care Plan Key Features of Galaxy: • Pre-Planned Services: members call 800-975-3322 to receive savings for pre-planned/non-emergency services; available only with the required pre-certification and referral number. The negotiated estimate payment portion amount needs to be secured prior to Member receiving any services. Network will confirm payment ability and provide a referral number • Emergency Visits: members must notify network and receive a referral number within forty-eight (48) hours of an Emergency Visit by calling 800-975-3322 How it works… • Members select a local participating provider by calling 800-975-3322 and asking for the “Medical Savings Card” department, or by accessing on line at www.galaxyhealth.net • Members must show ID card at the time of their visit in order to receive a discount. • Provider will follow instructions on the back of the card to “re-price” the bill by applying the predetermined savings according to the negotiated contract. • Member is responsible for paying remaining balance due to provider at the time of service. If member has any additional medical coverage, that amount will be applied to the bill according to the medical plan or policy in place.

  6. CAREINGTON Total-Care Plan Hospital Discounts with Galaxy Health Network • Discounts of 10% to 30% • Network of over 2,500 acute care hospitals* *Hospital discounts not available in some states.

  7. CAREINGTON Total-Care Plan CAREINGTON International is the largest independently owned dental network in the nation, and we currently serve about five million members with a nationwide provider panel consisting of more than 24,000 general dentists and specialists. In addition, we  continue to lead the industry offering superb discount health care products including pharmacy, vision, chiropractic and wellness, and much more. In addition to our flagship reduced-fee-for-service provider network, CAREINGTON International also offers PPO networks for traditional indemnity of self-funded programs. We are the only company that offers three levels of discounts within our provider panels. This combination allows us to meet the unique needs of each client, regardless of size or type.  Our discounts are some of the deepest in the industry, and our set fee schedule is what makes it possible. Based on regional averages, our fees can amount to significant savings of 20% to 60%, substantially deeper than our competitors. Our members appreciate the savings.

  8. CAREINGTON Total-Care Plan Dental Services with CAREINGTON International • Discounts of 20% to 60% on most all dental procedures • Up to 50% discount on complete dentures • Cosmetic dentistry included at a 20% discount • Orthodontia included at a 20% discount • Over 24,000 providers nationwide

  9. CAREINGTON Total-Care Plan CAREMARK is one of the largest pharmaceutical services companies in the United States. With more than 25 years experience the company’s goal is to enhance each participant’s health, doing everything from providing proactive health education to monitoring prescription history for potential drug interactions. CAREMARK provides the most convenient service, personal care and attention, and relevant, up-to-date information to participants and sponsors.

  10. CAREINGTON Total-Care Plan Pharmacy Discounts with CAREMARK • Up to 15% discount on brand name drugs • Up to 55% discount on generic prescriptions • Average savings of 24% • Convenient and money-saving mail order and internet pharmacy • Over 57,000 participating pharmacies including major chains and independents • “MEMBERS ONLY” discounts on over-the-counter remedies, vitamins and minerals from the online pharmacy

  11. CAREINGTON Total-Care Plan Cole Managed Vision (CMV) has the largest company-owned, company-operated core provider panel of any vision network in the nation. Company philosophy is to complement the best names in retail optical with a network of private practice optometrists and ophthalmologists. The discount program for laser vision correction includes the initial pre-screening, post-operative care and reimbursement for initial prescription on post-operative drops. A national network of surgeons participates in this program. Managed care is the fastest growing market segment of the optical business, currently representing 30% of the industry. Over 80 million people receive vision benefits through Cole’s vision care program. Cole Managed Vision specializes in marketing to and partnering with employers, health plans, and associations to provide the highest quality vision benefits in the marketplace. The key to company success has always been a focus on forming mutually beneficial, long-term relationships with all plan sponsors and a commitment to the satisfaction of plan members.

  12. CAREINGTON Total-Care Plan Vision Discounts with Cole Managed Vision Care • 45% to 60% discount on frames and lenses • $5 off routine exams and $10 off contact lens exams • 10% discount on disposable contact lenses and 20% on conventional contact lenses • Up to $400 per eye discount on LASIK surgery • Over 9,000 providers nationwide include Target Optical, Pearle Vision, Sears Optical, JCPenney Optical, and more

  13. CAREINGTON Total-Care Plan American WholeHealth, Inc. is the leading online/offline provider of integrative health solutions for consumers, medical practitioners, health plans and employers. The company’s core business focuses on providing chiropractic and alternative medicine product management and risk-sharing arrangements to managed health care plans throughout the country. The company has a network of over 25,000 complementary and alternative medicine (CAM) providers including, but not limited to, chiropractors, physical and occupational therapists, acupuncturists, yoga instructors, nutritionists, and naturopathic practitioners. Products are designed to meet the needs of members and clients with managed alternative medicine, internet services, and health and wellness content for health plans and individuals.

  14. CAREINGTON Total-Care Plan Chiropractic & Complementary Health Services with American Wholehealth • UNLIMITED visits and NO LIMITS on access to Care • SAVE 10% to 30% from Chiropractors, Dieticians, Acupuncturists, Massage Therapists, Holistic Practitioners, Herbal Consultants, and Exercise Specialists • SAVE 10% to 30% on Yoga, Nutrition, Tai Chi, Bio Feedback, Meditation, and • Reflexology • SAVE up to 25% on Vitamins and Nutritional supplements • Over 25,000 participating providers nationwide

  15. CAREINGTON Total-Care Plan HearPO is a network of credentialed audiologists who provide quality hearing care services and hearing aids throughout the United States. With over 1,600 credentialed affiliates, access to hearing care services and products is both convenient and affordable. All HearPO providers are audiologists with either a Master’s or Doctoral degree from an accredited university assuring the highest quality care possible and are licensed in the state in which they practice. HearPO realizes that patients who see our providers are our number one concern. Patient satisfaction is the most important variable we can monitor. To that end, HearPO surveys a significant number of our customers to assure our audiologists are providing only the highest quality care. HearPO is a nationwide healthcare company with convenient clinic locations. Our parent company, Sonus USA, is the largest provider of hearing healthcare services and products in North America. This advantage gives us the ability to negotiate substantial savings on products which are passed on to the consumer.

  16. CAREINGTON Total-Care Plan Hearing Discounts with HEARPO • Largest provider of audiology and hearing aid services in the United States • 30% to 62% discount on hearing aids • Discounts on repair costs and batteries • Comprehensive follow-up services at no cost

  17. CAREINGTON Total-Care Plan Optum delivers personal health management solutions designed to help individuals stay healthy, get healthy, and live with illness. Optum delivers an integrated, cohesive approach to managing the health of each individual, as an individual. With capabilities ranging from wellness promotion to self-care and triage to complex case management, Optum helps 27 million people take better control of their health and the health of their families. Supporting the Entire Health Care Continuum:Optum's skilled nurses deliver satisfaction and peace of mind for nearly any health concern 24 hours a day, seven days a week. For example, NurseLine nurses help callers: • Learn self-care for minor illnesses and injuries • Understand diagnosed conditions • Manage chronic diseases • Discover and evaluate possible benefits and risks of various treatment options • Learn about specific medications • Prepare questions for doctor visits • Develop and maintain healthful living habits • Locate health care facilities and physicians • Connect with community support groups • Know how to choose the right care at the right time • Bilingual nurses are available to address the needs of Spanish-speaking callers, and through the Language Line translation service, we can support callers in more than 140 languages. Individuals also have access to more than 1,700 recorded messages, with nearly 600 available in Spanish, through the audio Health Information Library.

  18. CAREINGTON Total-Care Plan Key Features of Liberty Medical: • Free shipping • 30-day 100% Satisfaction Guarantee • No complicated forms to fill out • No inconvenient trips to the pharmacy • Call 1-800-743-0572 to order

  19. CAREINGTON Total-Care Plan 24 Hour Nurse Line • FREE and UNLIMITED telephone service from Registered Nurses • 24/7 access 365 days a year • Access to audio tape library on over 450 health topics • Information about self care techniques for common symptoms • Decision support for high cost treatments, recently diagnosed medical conditions, home medical emergencies, diagnostic and surgical procedures, prescription and non-prescription information, expectation for medical testing Diabetes Management with Liberty Medical • 15% Discount on Diabetes supplies • Supplies and medications delivered to your home with no charge for mailing

  20. CAREINGTON Total-Care Plan *Dental Program savings are based on the 2003 National Dental Advisory Fee 80th percentile fee schedule. This is a discount program, not an insurance plan. Member is responsible for discounted fee at time of service. T he program and its administrators have no liability for providing or guaranteeing service and have no liability for the quality of service rendered. Note to Utah Residents: This contract is not protected by the Utah Life and Health Guaranty Association. THIS IS NOT INSURANCE.

  21. CAREINGTON INTERNATIONAL PLEASE NOTE THAT THIS IS NOT HEALTH INSURANCE AND WE DO NOT MAKE PAYMENTS DIRECTLY TO MEDICAL SERVICES PROVIDERS. YOU ARE OBLIGATED TO PAY FOR ALL HEALTH CARE SERVICES. YOU WILL RECEIVE DISCOUNTS AT CERTAIN HEALTH CARE PROVIDERS FOR MEDICAL SERVICES WHO HAVE CONTRACTED WITH THE PLAN. THIS PLAN IS ADMINISTERED BY CAREINGTON INTERNATIONAL CORPORATION, 7400 GAYLORD PARKWAY, FRISCO, TX 75034.

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