ehealth companion for cdhc plans

Welcome to:

RETHINK-Healthcare

Is Your Company Moving in the Direction of Consumer Driven Health Care?

It’s time for a change…

What’s Happening Today…

The cost of health insurance continues to rise with no end in sight.


How companies respond.


Risk Factors for every 100 employees/members

According to the American Public Health Association, chronic illness, including heart disease, diabetes and obesity, accounts for 75% of health costs,.

25 have cardiovascular disease12 are asthmatic 6 are diabetic26 have high blood pressure30 have high cholesterol38 are overweight21 smoke31 use alcohol excessively 20 don’t wear seatbelts24 don’t exercise44 suffer from stress

Department of Health & Human Services, 2007


Presenteeism

The Harvard Business Review * highlighted this as an employee being present in the position but “out of it.”

• Productivity on the job is a basic component to value.

• When employee productivity is affected by health, personal or work-life problems, it is considered “Presenteeism.”

Except for heart disease, the cost of Presenteeism exceeded medications, medical care and services for the vast majority of health conditions.

*Hemp, 2003

The New Cost Culprit


Employers Want…

• Productive employees – because time is money

• Healthy employees – because unhealthy is costly

• Happy employees – because turnover is frustrating and expensive

• Benefits that employees (and their family) will appreciate

An integral part of every company’s success is the health and well-being of their employees.

There are two Primary Methods for Managing Personal Healthcare

Intervention and Self-Care


InterventionTraditional - Business as Usual

• Fix conditions after the fact

• Providers decide what should be done for patients

• Supply healthcare through utilization management

• Costly; time and money

• Little consumer incentive to change unhealthy behavior(s)

• Plan design can reduce supply of healthcare due to:

– Upfront deductibles– Increased co-pays– Benefit limitations

Self-CareConsumer Directed

• Pro-active management of personal health care

• Patient plays larger role in decision making process

• Focus on aspects of health care under individual control

• Decisions made with and without provider assistance

• Empowerment - learn how to:– Enhance and restore health– Prevent disease– Evaluate symptoms– Limit impact of sickness– and more…


The World Health Organization defines Self-Care as:

The Benefits:Informed decisions improve the delivery of healthcare, while at the same time reduce the need for healthcare, thus costs go down.

“Activities individuals, families, and communities undertake with the intention of enhancing health, preventing disease, limiting illness, and restoring health.”

Simply put… Self-Care refers to decisions and actions that one can take to help increase the efficient and appropriate use of medical services.


Self-Care Behavior is comprised of a number of skills that include knowing…

• Is this a real medical emergency

• When to, and when not to see a physician

• When and how to treat oneself at home

• When to use outpatient rather than inpatient services

• When lab and diagnostic tests are appropriate

• When and how to question a provider’s recommendation

The use of self-care is not new:

According to the American Pharmaceutical Association, 80% of Americans treat themselves for headache pain, 76% for stomach upsets or heartburn, 73% for colds, coughs and 71% for fevers.


The Benefits of Medical Self-Care

Includes:

• Reduced unnecessary physician visits

• Reduced unnecessary emergency room visits

• Reduced absenteeism

• Positive affect on Presenteeism

• Increased patient satisfaction with overall healthcare

• Improved quality of care

• Increased patient empowerment and sense of control

• Lays the foundation for positive lifestyle changes

• Opens the door to Wellness and Prevention programs


Benefits of Worksite Wellness Programs


Source: Aldana, SG, Financial impact of health promotion programs: American Journal of Health Promotion, 2001,Source: Chapman, LS, Meta-evaluation of worksite health promotion economic return studies, Art of Health Promotion, 2003

Statistically, the results of a commitment are notable:

Reduction in health care costs by 20-55%. Decrease in short-term sick leave by as much as 32% (Ceridian Prop ROI Tool, 2003) A savings of between $3 and $6 for every $1 invested in wellness (U.S. CDC) Drop in workers compensation and disability by as much as 30%. Enhanced recruitment and retention for all positions.


How do you measure ROI ?

Only one life has to change… to make an impact that will last forever ™


Are all wellness and Self-Care programs the same?

Not necessarily.

Companies of all sizes are introducing medical help and wellness programs. Research shows that many companies begin by deploying programs through their existing group health insurance provider.

Is this a good strategy?

Maybe for the insurance providers.

What happens when you change providers.

Your employees are back to square one relearning a new format with different benefits. This may have a significant impact on forward progress.


Introducing

We are not an insurance company; we are 100% independent.

Should you change insurance carriers, your eHealth Companionbenefit platform and provider relationships will not change.

Personal Health Management System


RETHINK the way you view healthcareRETHINK the way you view healthcareRETHINK the way you view healthcareRETHINK the way you view healthcare

Hier steht Ihre Fußzeile IHR LOGO

For a growing number of American's, the days ofFor a growing number of American's, the days of $20 co-pays are coming to an end.$20 co-pays are coming to an end.

It’s a new world of Consumer Driven Healthcare

• High-deductibles

• HSA’s

• HRA’s

• Limited Benefit Medical plans

Today, we are required to be more pro-active in controlling our medical expenses and equally pro-active in the management of our personal health.


The Key to controlling healthcare costs is more The Key to controlling healthcare costs is more than just plan design…than just plan design…

It’s about helping employees transition to a new way of managing their personal healthcare.

Employers must also help employees “bridge the deductible gap” by providing resources and tools that improve the delivery of healthcare, while at the same time reduce the need for healthcare.


Think Self-CareThe right tools at the right time to guide personal decisions

Think Prevention“Smart and healthy” lifestyle choices

Move in a Positive DirectionTake Action!

Access to Powerful Resources More control over personal healthcare decisions

Empowered healthcare is the Mission…Empowered healthcare is the Mission…


Comprised of two distinct elements.Comprised of two distinct elements.

Wellness and Lifestyle tools that motivate positive change through guidance and encouragement.

Self-Care programs that reduce financial exposure by providing direct access to important medical and health resources.

eHealth CompanioneHealth Companion


Three Benefit GroupsThree Benefit Groups

1. Medi-Health™ Self-Care Resources

2. Wellness, Prevention & Fitness

3. Complimentary Benefits*

*Complimentary Bonus benefits are open access and provided at no cost. Please call for more information


Medi-HealthMedi-Health™™ Resources Resources

Nurse Advisor HelplineNurse Advisor Helpline24-hour toll-free nurse helpline for advice, information and support.

Emergency Room Visits Annually

Approximately 55% of all E.R. visits are unnecessary. At an average cost of $ 560 per visit, the unnecessary costs are quite high.

Total Annual E.R. Visits • 115 million•37.8 visits / 100 personsSource: National Ambulatory Medical Care Survey-2006

Unnecessary Visits • 55% or 63 millionSource: National Ambulatory Medical Care Survey-2006

Average cost - $ 560 / visit Source: U.S. Department of Health and Human Services, 2006



General Reasons for Calling:

• Determine the need to seed medical care.

• Questions about medications, tests, or procedures.

• Information on care of a new or chronic condition.

• Tips on more effective communication with healthcare providers.

• Questions about how to stay healthy

Top 10 Reasons for Calling – Children:• Vomiting• Fever• Colds• Ear Ache• Sore Throat• Diarrhea• Head Trauma• Rashes• Medication Info

Top 10 Reasons for Calling – Adult: • Medicine Information• Abdominal Pain• Headache• Urination Pain• Vomiting• Back Pain• Chest Pain• Diarrhea• Sore Throat• Cough

Registered Nurse Advice Line:

This service provides telephone toll free access to a registered nurse 24 hours per day, 7 days per week. At the start of each call the caller is offered the opportunity to communicate in either English or Spanish.

The registered nurse will advise the caller as to the proper disposition for his/her stated medical concern or problem. These dispositions will range from home care advice to recommended emergency care immediately.

Registered Nurse Advice Line

Registered Nurse Advice Line, callToll Free: 1-866-842- _ _ _ _



Online Physician VisitOnline Physician VisitBoard certified physicians answer health questions and concerns online.





Physician Office Visits Annually – 964 Million

• Average cost per visit $121*

• 25% (241 Million) are considered unnecessary**

• The American Medical Association has reported that as many as 70% of all doctor visits are for information only, matters that could be handled outside a doctor visit

*U.S. Department of Health and Human Services, 2006

**Dunnell, K. and Cartwright, C. Medicine Takers, Prescribers and Hoarders

Studies show that over 70% of patients indicated a willingness to use email as an acceptable form of communication with a physician


Online Physician VisitOnline Physician VisitCritical answers when you need them most.


Intelligent Alternative for Non-emergency Medical Issues

• No waiting days or weeks for an appointment

• Alleviates avoidance of health issues

• Don’t wait to get sicker

• Convenient - saves time and aggravation

• Get second opinion

• Prepare for upcoming physician visit

• Discuss personal issues confidentially

• Board Certified physicians available 365 days a year

• No Limitations on Usage

Easy to use Tutorials to guide you through the program

Tutorial




Online Psychologist and Life Online Psychologist and Life CoachCoachAnswers to mental health questions or concerns for yourself & family members.


Mental Health and Health Care Utilization

A great deal of demand for medical services is due to underlying mental healthissues that some people have.

Important statistics:

66% of patients with undiagnosed depression make more than 6 visits per year to physicians for somatic complaints.*

60% of all depression cases go undiagnosed and untreated.*

Treatment for chronic medical conditions increased 300% to 500% for people who have co-morbid depression compared to people who do not.**

Health care costs are 71% higher in patients with depression or anxiety ($398.00 vs. $233.00 per patient per month).***

*Clinical Psychiatry, Vol. 55, 1994 ** Managed Care, Vol. 11, No.8, August 2002 ***American Journal of Psychiatry, Vol. 152, 1995

Online PsychologistOnline PsychologistAnswers to mental health questions or concerns for yourself & family members.




Online Psychologist and Life Online Psychologist and Life CoachCoachAnswers to mental health questions or concerns for yourself & family members.

Medical Bill NegotiationMedical Bill NegotiationYou have a bill from a medical provider with an outstanding balance due and payable by you. Before you pay, submit your bill to have an experienced professional negotiate a discount on your behalf.


How to Access this Service

Medical Bill Negotiations

Your insurance policy has paid its benefits and there is still an outstanding balance payable by you. If your outstanding bill is $150.00 or more, before you make a payment, submit your bill to have an experienced professional negotiate a discount on your behalf.

eHealth Companion is pleased to provide you free access to the revolutionary consumer medical bill negotiation service, Acting as your personal medical bill cost management advocate, we can assist you and your family to ensure you are paying the lowest price offered by your medical provider.

We deliver these services to you on a performance driven basis – If we cannot save you money, there is no fee. It is always free to have your medical bill reviewed and you NEVER pay more than what you owe right now. When we are successful in reducing the amount you owe to a lower rate, your member service fee is 35% of the amount we SAVE you.

If you already have the lowest rate and we cannot save you money, you pay nothing… Guaranteed !

HOW TO SUBMIT A BILL FOR NEGOTIATIONS:

Simply enter your email address below and click “SUBMIT” to register. You will promptly receive a response at the email address you entered with instructions and forms for submitting your medical bills for negotiation.

All that is required is an email address:

Your Email Address:

Confirm Email Address:

Your email address will only be used to recognize you as an eHealth Companion member and to communicate with you regarding information pertaining to any claim you submit

SUBMIT


Wellness, Prevention & FitnessWellness, Prevention & Fitness

Health CoachingHealth CoachingPersonalized telephone coaching by trained experts in wellness, stress management, weight loss, smoking cessation and more.


Health CoachingThis program pairs you with a professional health coach who learns about you, your needs and goals, then assists you in developing a solution-focused action plan for success. Your personal coaching sessions take place over the telephone or online.

Our health coaches educate and help members make lifestyle changes in the following areas:

• Living-Lean weight management program

• Living-Free smoking cessation

• Living-Fit walking program

• Fitness and exercise

• Stress management

• Pre-and post-natal care

• Menopause

• Chronic conditions: asthma, diabetes, cardiovascular disease, back pain

• Complementary care: chiropractic, yoga acupuncture, massage

As a member, you are free to contact your coach for on-goingcoaching and education as often as needed.



Debbie RockerDebbie RockerCelebrity trainer, professional athlete & author Debbie Rocker helps you attain & sustain physical & mental fitness.


The LivingFit 90 Day Walking Program™ is divided into three phases that take place over a 12-week period. Each phase consists of four weekly modules and each has a specific purpose.

In each phase you will receive:

• a Weekly Activity Objective • words of wisdom • opportunity to journal • a place to log your activity and the minutes walked




My eWellnessMy eWellnessExtensive exercise library with over 700 easy to follow video demonstrations specifically designed for home workouts.


Benefits Include:

• Personal workouts 132 strength program variations 700 different animated exercise variations Over 1,000 conditioning program variations Consecutive 8-week strength programs Consecutive 8-week conditioning programs

Daily health tips on nutrition, weight-loss, exercise and disease prevention.

Special sections for youth, women and senior health initiatives.

Over 4,500 health and wellness related articles.

Health Calculators

Links to hundreds of wellness resources


Home Wellness Workout Resources Saturday January 19, 2008

Create Your Own Individualized Program

To achieve your fitness goals, you must first identify your current fitness level. The Self-Assessment Sections will provide you with the tools to monitor your fitness level and to complete your individualized Profile Set-up. It is simple to create your very own individual program. Follow each step as outlined below.

Continue

Step 1

Self- Assessment Tests Recording Sheet General Health Activity Level Fitness

Step 2

Workout Profile Enter Name, Weight, Age, Sex Select type of activity Select difficulty level Equipment available

Step 3

Create My Program Finalize my settings Create workout calendar


Home Wellness Workout Resources Saturday January 19, 2008

Eworkout Calendar

Active Profile:

Active Program:

Dennis

Free-Weight Dumbbell Only

Pull Movements Sets Reps Rest

Standing Alternating Arm Dumbbell Row 1 15 30

Push Movements

Dumbbell Both Arm Chest Press 1 15 30

Legs Movements

Dumbbell Squat 1 15 30

ABS / Low Back Movements

Body Weight Crunch

Body Weight Double Leg Bridge

Body Weight Face-Down Alternating Straight Leg Raise

Body Weight Face-Up Alternating Wall Touches

1

1

1

1

15

15

15

15

30

30

30

30

Activity Level:

Program Level:

Beginner

Day #1 - Week #1


• KEEP FEET SHOULDER - WIDTH APART WITH YOUR TOES POINTED FORWARD.

• GRIP DUMBBELL IN EACH HAND.

• INHALE AND SQUAT DOWN UNTIL YOUR THIGHS ARE PARALLEL TO THE FLOOR.

• EXHALE AS YOU EXTEND YOUR LEGS AND RETURN TO STARTING POSITION.

• REPEAT FOR PRESCRIBED NUMBER OF REPS.

• LOOK STRAIGHT AHEAD (NOT UP).

• DO NOT ALLOW YOUR HEELS TO COME OFF THE GROUND.

• DO NOT ALLOW YOUR KNEES TO MOVE FORWARD BEYOND YOUR TOES.

• YOUR HEAD, NECK, AND SPINE SHOULD REMAIN IN A STRAIGHT LINE.

• KEEP YOUR SHOULDER BLADES PULLED TOGETHER.

• DRAW YOUR BELLY-BUTTON TOWARDS YOUR SPINE.


Your Professional Health & Fitness Resource


ESSENTIALSESSENTIALS Wellness is about promoting personal health and fitness through the natural therapies of a health diet, nutritional supplements, the benefits of exercise, and having a healthy attitude. Our wellness essentials will attempt to help explain some of these fundamental ingredients. Just (CLICK) on the subject below for more information.

Exercise Benefits Flexibility Measuring Exercise – Intensity Warm-up / Cool Down Classifying Exercise - Intensity Overweight Children Exercising in the cold

Physical Activities

Cardiovascular Cardiovascular Exercise Overview Walking Overview Swimming Overview Running Overview

Strength Training Abs / Low Back Estimated 1-Rep MAX Stability Ball Body Weight Training Principles of Periodzation Strength Training

Exercise Benefits Flexibility Measuring Exercise – Intensity Warm-up / Cool Down Classifying Exercise - Intensity Overweight Children Exercising in the cold

Physical Activities

Cardiovascular Cardiovascular Exercise Overview Walking Overview Swimming Overview Running Overview

Strength Training Abs / Low Back Estimated 1-Rep MAX Stability Ball Body Weight Training Principles of Periodzation Strength Training

Nutrition Overview General Nutrition Guidelines USDA Dietary Guidelines The Fountain of Health

Weight Loss Causes Consequences Eating Strategies Compliance Overweight Numbers Recommendations USDA Weight-loss Guidelines Eat More, Study Finds

Weight Loss Calculators Daily 40-30-30 Diet Body Fat Percentage Calories Ideal Weight

Nutrition Overview General Nutrition Guidelines USDA Dietary Guidelines The Fountain of Health

Weight Loss Causes Consequences Eating Strategies Compliance Overweight Numbers Recommendations USDA Weight-loss Guidelines Eat More, Study Finds

Weight Loss Calculators Daily 40-30-30 Diet Body Fat Percentage Calories Ideal Weight

Of-Interest Coronary Heart Disease Hypertension and Exercise Seniors and Exercise Women’s Exercise Issues Youth Guidelines Parents Don’t See Kids Weight

Problems

Walking Calculators Walking Distance Converter Walking Water target Heart Rate

Fitness Calculators Body Mass Indicator Calories Per Day Heart Rate

Of-Interest Coronary Heart Disease Hypertension and Exercise Seniors and Exercise Women’s Exercise Issues Youth Guidelines Parents Don’t See Kids Weight

Problems

Walking Calculators Walking Distance Converter Walking Water target Heart Rate

Fitness Calculators Body Mass Indicator Calories Per Day Heart Rate





Health AssessmentsHealth AssessmentsOnline tool evaluates lifestyle & risk factors to help safeguard your health.

Conditions / SymptomsLife / Work StyleHealth RiskProfiles


Health Assessments Select an Assessment that you are interested in

Discover things you never knew about yourselfwith our Personal Profiles

o Ayurvedic Profile Determine your Ayurveda constitutional type and how to keep it in proper balance..

o Cancer Prevention Grade Find out if you get an “A” in preventing all types of cancer..

o Chinese Elemental Profile Determine your elemental type according to traditional Chinese medicine..

o Enneagram Profile Self-assess and recognize your primary personality for your dark and light sides..

o General Health Get a picture of your overall health..

o Preventive Care Your personal preventive care recommendations..

o Sleep Are you having problems related to getting enough sleep?.

o Tibetan Medicine Profile Steps to keep in balance with appropriate behaviors, diet, and medicinal herbs. .

o Total Health GradeFind out your health grade in many areas such as overall health, fitness, nutrition, stress/coping, safety, heart health and cancer resistance.




Evaluate your risk for different conditionsand learn how to reduce it

o Bladder Cancer Risk Estimate your risk of developing bladder cancer..

o Breast Cancer Risk Estimate your risk of developing breast cancer..

o Cervical Cancer Risk Estimate your risk of developing cervical cancer..

o Cognitive Decline Risk Estimate your risk of declining mental capacity as you age..

o Colon Cancer Risk Estimate your risk of developing colon cancer..

o Diabetes Risk Estimate your risk of developing diabetes..

o Heart Disease Risk Estimate your risk for a heart attack..

o Kidney Cancer Risk Estimate your risk of developing kidney cancer..

o Leukemia Estimate your risk of developing leukemia..




Discover how your lifestyle effectsyour health at work and home

o Career Burnout Find out if your job is taking a toll on your mental health..

o Eating Behavior Examine your relationship with food..

o Fitness Assessment Take this quiz to see how well you’re doing to stay in shape..

o Fitness Quotient Test your knowledge of fitness. You might be surprised..

o H.E.A.R.T. Are you living in your heart or in your head?.

o Movement Awareness Learn how to function better with more energy and less pain..

o Stress Management Learn how to deal with the stresses of daily life..

o Stress Style How do you react to stress? .

o Work Addiction Are you addicted to work? .




Learn more about any symptoms of healthconditions that you have (or think you have).

o Depression ConsultationEvaluate whether you might be depressed and identify the severity, type, pattern, causes, chronology and associated conditions.

o Depression Screen Learn whether your symptoms might be caused by depression..

o Emotional Health Evaluate your emotional health..

o Insomnia Are you having trouble falling asleep or staying asleep?.

o Menopause Find out whether you might be in menopause or perimenopause..

o Pain and Limitations Investigate causes and prevention of musculoskeletal problems..

o Post-Traumatic Stress Find out if you are suffering from Post-Traumatic Stress..





Health AssessmentsHealth AssessmentsOnline tool evaluates lifestyle & risk factors to help safeguard your health.

Medical LibraryMedical LibraryAccess our medical library containing 2,200 medical topics (600 in Spanish) via toll-free phone or directly from the web.

Complimentary BenefitsComplimentary Benefits

Lab ServicesLab ServicesDirect access to laboratory-testing at a discount of 50-80% less than the same tests would cost when ordered from your doctor, local lab or hospital.

Early Detection is the key to staying well. Many health problems can be detected long before any symptoms are noticed.

Through blood testing:

• 70% of personal healthcare decisions are based on lab results.*

• A wide variety of conditions can be identified including: Liver disorders, diabetes, thyroid disease, anemia, leukemia, blood clotting factors and more.

• Blood tests that indicate abnormalities in your blood system - "out of normal range“ can alert you to take action.

*Quest Diagnostics

About Labs Test We Offer

Get your test results on line in five easy steps

We have partnered with the nation’s largest and most respected reference laboratories to provide you service at over 2000 Patient Service Centers (PSC) across the United States. All PSC’s operate on a walk-in basis and do not require an appointment. All of your questions can be answered through our FAQ on our site or by calling our Toll Free Customer Service Line.

Step 3Print Lab

Order

You will receive an email within 2 hrs. that your order is complete.

Just log on to the secured site and print your order

Step 2Our Doctor

Reviews

Physician in YOUR state reviews your order, approves its and emails you the approved order.

Step 4Visit Local

Lab

Use Lab Locator to find a location near you.

Take printed order to local collection site.

NO APPOINTMENT NEEED

Step 5View Results

Online

You will receive an email when your results are ready.

Log on secured site to view your results

Step 1Order Tests

Online

Go online and find the test or wellness profile you want and place order.

Lab Locator Personal Health Records

Category:

Details:

Diabetes, Body Metabolism

Glucose tells how well your body is utilizing sugar, High values can be from eating before the testing or the possibility of diabetes. If your value is over 200 even if you had eaten prior to testing, consult your doctor.

Category:

Details:

Liver Function

ALT (SGPT) is another test of liver function. Again, if your values are high your doctor should be consulted.

Complimentary Bonus BenefitsComplimentary Bonus Benefits

Lab ServicesLab ServicesDirect access to laboratory-testing at a discount of 50-80% less than the same tests would cost when ordered from your doctor, local lab or hospital.

Diagnostic TestingDiagnostic TestingSave up to 50% on MRI, CT, PET scans and more. Extensive panel of over 1,900 providers in 47 states

Prescription Drug DiscountsPrescription Drug DiscountsAverage savings of 21%, with potential savings of up to 50% on both brand name & generic prescriptions. Over 53,000 national, regional and independent pharmacy chains participate.

• High-deductible• PPO • HMO • HSA, HRA• Self-Insured Plans• Limited Benefit Medical plans

Easy to implementEasy to implement

Web based service platform - compliments all type health insurance plans

Value added program to help employees transition into new type health insurance plans.

Benefits designed to stretch healthcare dollars.


Visit us at eHealthCompanion.comVisit us at eHealthCompanion.comVisit us at eHealthCompanion.comVisit us at eHealthCompanion.comContact us in Orlando, Florida at 407.324.3921 or email [email protected]

Affordable PricingAffordable Pricing

Plus Bonus Benefits at no additional costs

12.95 @MonthIndividuals

10.95 @Month Group Billing

Affordable PricingAffordable Pricing

Plus Bonus Benefits at no additional costs

8.95 @ MonthIndividual

and Voluntary

Group Billing

6.95 @ Month Employer Paid Group Billing

ehealth companion for cdhc plans

Health & Medicine

health costs

restoring health

health care costs

aspects of health care

cost of health insurance

art of health promotion

world health organization

medical care