reinventing healthcare delivery and payment through blockchain … · 2018-07-11 · a disruptive...

White Paper v3.0 © UhX | Universal Healthcoin |

A white paper by:Dr. Gordon Jones and Courtney P. Jones

Professional contributions by: Mike Barnard (IBM Healthcare & Blockchain)

Duane Bender (MEDIC Applied Research Director) Stephen Brickell (IBM Healthcare, AI, Cloud & Blockchain)

Brian vanOosten (MEDIC Healthcare Technology Research)Raj Balasubramanain (IBM Program Director, Cloud & Watson)

Joel Garcia (AllCode ICO & Blockchain)with great insight from our Board of Advisors

UhX is a global decentralized health delivery and payment platformthat will increase the quality of healthcare while reducing the cost.Our Cognitive Crypto Collaborative Care Platform (C4P) brings People,Providers and Payers together. We reward for behavior modification,incentivizing wellness through our intelligent personal assistants (IPA)that curate the latest medical breakthroughs to providers andpatients. UhX first platform services will deliver community costsharing and manage global immunizations.

UhXReinventing Healthcare Delivery and Payment

through Blockchain & Cryptocurrency

™


Why is UhX Important Globally

Our mission is to save One Million Lives while also improving the lives of 100 Million more…Every Year!

Universal Healthcoin (UhX) is building something that will have a positive impact on every personon earth. Imagine, reallocating the inefficient waste in a $10 trillion industry to research,diagnose, and care for those with major illnesses like diabetes or cancer.

Imagine, if healthcare providers worldwide had mobile access to collaborate and be assisted byArtificial Intelligence (AI) so they have the cumulative knowledge of all their expert colleaguesand the latest research of relevance.

Envision an individual managing their personal and family’s healthcare proactively andcollaboratively with the information to be informed, supported and empowered. Proactivehealthcare can assist in the prevention of many major illnesses which are at epidemic rates todayincluding diabetes, cardiovascular disease, and certain cancers.

This is why we have created UhX, to enable the world with the tools and services deployedthrough a decentralized and open source blockchain based ecosystem.

We are not executing just any ICO, we are starting a Global Movement! We have already builtrelationships with the most amazing global tech and service partners. UhX is contracted to accessover 53,000 medical providers worldwide and leverage the technology services of IBM, Stellar,Sovrin and many others. Through UhX’s strategic partnerships, we have direct access to over 23million individuals and families, 500,000 employees, and access to another 100 millionunderserved people through NGO partners. Industry leaders are saying “YES, I want to be part ofthe Movement”.

To support the UhX business model a limited ICO release of UhX tokens will be available startingin July, 2018. Annually we plan release a smaller amount of tokens July 2019 and for the followingfive years.

Our business model is simple:

1) Continue expansion of our local, regional & global community of consumers, providers,payers and partners;

2) Expand the functionality & innovation of the UhX platform; and3) Thank and reward our UhX token holders.

We believe that a focus on delivering increasing value and collaboration to the worldwidehealthcare consumer, provider and payer community will drive greater value for our partner eco-community.

The execution of the UhX business model will result in the global success of the community toaccomplish this collective vision.


Table of ContentsWhy the UhX Important Globally 2

The Problem 4

Healthcare is Expensive 4

Why is Healthcare so Expensive? 4

The Insured, Uninsured, and the Underinsured 4

The Universal Health Solution 5

Open Source and Collaborative 5

Our Core Beliefs 5

How does UhX Execute its Vision 6

UhX First Service on the C4P Platform – Health Cost Sharing 6

How does UhX Enhance Health-Cost Sharing? 7

Delivering 7

Onboarding 7

Eliminating 7

Three Perspectives to Deliver Better Healthcare 8

People Helping People 8

Provider Health Systems 8

Payer Systems 8

UhX C4P and Global Immunizations and Healthcare 9

UhX C4P Platform Overview & Initial UhX Services 10

Universal Health Services API 10

What Blockchain Technology did we Select? 10

Security Focus 10

Current Progress and Roadmap 11

Technology 11

Roadmap 12

Token Release 12

Team 12

Founders 12

Advisors & Consultants 13

Why Join the UhX Global Movement? 17

The Need | The Approach | The Team 17

For The Latest Updates 17

Appendix A 19

Payment Flow 20

Did You Know? 21

Community Cost Sharing 22

Partners and Resource 23

Disclaimer 24

Forward-Looking Statements 24


The Problem

Healthcare is ExpensiveThe state of global healthcare is the most important crisis facing mankind today. Today’s $10trillion cost increased 60% from 2004 to 2014. Consumers of healthcare do not understand whythey can not have the same technology conveniences as their banking and shopping experiencesoffer. Globally, people have the same illness and need for healthcare. Why can’t we work acrossorganizations, medical disciplines and geography to create a healthier world where everyone willbenefit? There are numerous ICO’s claiming to fix healthcare with siloed point solutions. Pointsolutions and interoperability are a major issue and part of the problem in global healthcaretoday. Our solution focus will drive a new era of value delivery and interoperability through opensource design, leveraging numerous blockchain and AI technologies. A global healthcareeconomy for consumers, providers, payers, and partners that is democratized and efficient willcreate a new healthcare environment where all can benefit and profit.

Why is Healthcare so Expensive?Healthcare systems are incredibly siloed and inefficient. In the United States alone, $500 billion ofthe annual $3.1 trillion goes to hunting for information, pushing paper and bureaucracy ratherthan actual care. In a U.S. study of 471 primary care physicians using EPIC’s EHR over the threeyears from 2011 to 2014, tracking 31 million transactions for 765,129 patients, primary carephysicians worked an average of 3.08 hours seeing patients face-to-face and 3.17 hours on“desktop medicine” each work day.[1] Physicians spent more time interacting with a computerthan providing care. The payment mechanisms to reimburse healthcare providers are alsoincredibly complex and inefficient. The reimbursement process flows through third-party payerorganizations which can erode funds that could be otherwise designated to providing care. Inaddition, these companies are slow to pay, burying providers in administrative tasks. According tothe Medical Group Managers Association, the third-party payer organizations typically reimbursedoctors within 30 days only 50.1% of the time, the remainder in accounts receivables are 11%under 60 days, and 38% up to 120 days later.[2]

The Insured, Uninsured, and the Underinsured.There are many different degrees of healthcare coverage around the world, and sometimes evenwithin each country. Some governments and companies provide “universal” health coverage, butthe definition of universal is generally quite limited. Some governments only provide coverage forselect groups such as state workers, the impoverished, or the elderly. In some emergingeconomies, employers and governments lack the resources to fund health services, so much ofthe healthcare provided is funded by international charities instead. We expect these charities toleverage our platform to serve their constituents.

A 2016 study of global healthcare funding models found that governments only cover 60% ofhealthcare costs. The cost of that coverage has increased 60% in ten years. This level of inflationin healthcare costs is not sustainable. These statistics represent the largest global opportunity fora disruptive business model supported by disruptive technology.

Needs are different around the world, and the UhX platform is well positioned to serve the needsof the uninsured and to fill the care gaps for the insured and underinsured. There is anopportunity for UhX to assist governments in providing access to affordable quality care and toaugment current coverage plans for those needs that fall outside of government funding.


The table below shows a selection of global health care spending and the public/private share ofthose expenses. We believe the UhX platform and UhX health cost-sharing will contribute to costsavings and better healthcare for many regions with differing levels of public coverage.

Country Per capita spend on

Healthcare (USD) Public Share Private Share

United States $9,403 48% 52%

Canada $5,292 71% 29%

Europe $3,613 78% 22%

Australia $6,031 67% 33%

The Universal Healthcoin Solution

Open Source and CollaborativeUhX offers a collaborative platform where people, providers and payers come together on aglobal scale to solve global health issues.

The time for global healthcare change has arrived due to the enabling drivers of:• The intensity of the cost of an inefficient and costly system,• The availability of technology like Blockchain, AI, IoT, and Cloud, and• The visionary will of people, providers, payer and industry partners will drive The Movement

for change.

Our Core BeliefsWe believe:

1. Families and their healthcare providers can be better served at a lower cost.

2. Families will benefit from getting and staying healthy.

3. Families should be able to reward other people for staying healthy and reducing health carecosts for everybody.

4. Doctors and other healthcare providers will offer a higher quality of care by spending moreof time with their patients and in consultation on complex or unique cases and less timeand money administering insurance claims and accounts receivable.

5. Providers should be rewarded for creating patient care plans that support positive healthgains in their patients.

Blockchain technology will enable the emergence of our globally distributed healthcare deliveryand payment platform with UhX Direct Pay, Telehealth, and Member Advocacy being the firstproducts on the UhX platform for North America. These services will then lead to thedevelopment of the UhX Community Cost Sharing service enabling communities to cometogether to quickly and efficiently manage their healthcare funding, delivery and spending.

With over 53,000 health service providers already under contract, UhX is building a globalcommunity - a Movement - of enlightened people, providers, and payers motivated to disrupt thesiloed status quo of healthcare, and create a new system of quality and efficiency health services.


How will UhX Execute on this Vision?

We have designed the UhX Cognitive Crypto Collaborative Care Platform (C4P) as a healthcaredelivery and payment platform. By improving the flow of value, we can influence the design andbehavior of the system. UhX is building a series of intelligent mobile tools for consumers,providers, and payers. Consumers and providers will have a closer relationship and be informed,supported, and empowered with the right information to make better decisions. Patients willcontrol payments to reimburse doctors and nurses. The platform will support different payermodels. In addition to our own planned services, we anticipate a rich and varied ecosystem ofapps and services emerging from our global partners through our open API architecture.

The goal of UhX is to facilitate 2% of current $10 Trillion in global healthcare payments, from pre-approval through payment. We believe our members will see reductions in overall health costs of35% to 45% through elimination of third party approval overhead, elimination of claimsmanagement, reducing accounts receivables and collections from weeks to seconds, improvehealth through incentives, rewards, community support, and collaboration with health serviceproviders supporting their patients and UhX members.

UhX First Service on the C4P Platform – Health Cost Sharing

Healthcare cost sharing organizations (HCSO) are a well established approach to paying forhealthcare with histories going back millennia. The HCSO model is well suited to the disruptivepotential of decentralized blockchain technology much in the same way that the taxi industry wasdisrupted using smartphone technology. Just as Uber, Lyft and Didi have taken ridesharing andmade it a globally dominant transportation model, UhX will create a trusted sharing network tosupport families and individuals coming together to share their healthcare costs.

In a traditional HCSO, each individual member or member family pays a specific amount everymonth into their member account. Members who have used health services send their bills intothe organization which then pays the healthcare providers.

When funds are left over, the residual remains in the members’ account as health savings forfuture use by the community need. If the health service bills are larger than the current fund cancover, the remaining portion is rolled over to the next month and paid first before more recentbills are paid. This is not insurance, but rather a decentralized financial system with no owner, nomanager, and no entity taking risk on the liability of payment of the health cost other than theindividuals themselves.

There are currently 104 HCSOs in the world that we know of with the largest six in the USsupporting 1.4 million members. We believe that this model of managing healthcare costs can beextended to the world by leveraging the potential of the decentralization and consensus buildingof blockchain. Currently, these HCSOs centralize and manually bear the burden of assessingrequests for funding and paying providers. Under the current model, healthcare providers stillhave the same challenges of administrative overhead to determine potential payment for serviceand then actual collection. Existing HCSOs are an obvious starting market for UhX’s innovativetechnology platform because it will reduce their administrative costs and help their members.

UhX has the former CEO, Tony Meggs, of the largest HCSO, Medishare, on our Advisory!


How does UhX Enhance Health Cost Sharing?

Delivering a healthcare cost-sharing servicemeans building systems to onboard newmembers, mechanisms to approve newhealthcare providers, a set of automaticallyapproved services, systems for approvingoptional services, accounts payable processes,engaging with third-party programs for certainhealthcare events and ongoing reporting andgovernance of the funds. The UhX platform willmake each of those processes more efficientand directly democratic. In addition, UhX willhave built-in mechanisms for enhancingcommunity health by including preventativehealth treatments and rewarding achievementof health goals such as weight loss, bloodpressure reduction and exercise targets.

As a feature of the UhX platform,incentives for becoming healthierwill be built in as configurableelements. Dietitians or doctorscan establish weight-loss goals ascommunity contracts andmembers will be able to vote onwhether to support the goals ornot, including how much currencyor incentive tokens will berewarded to the member and thehealthcare provider.

When preventative healthcare actions are taken by members, such as completing a smokingcessation program or meeting fitness targets, incentive tokens will be provided to them as well.

Onboarding new members and families will be straightforward. Anyone will be able to join. UhXwill provide underlying services and analytics from the UhX Cognitive Crypto Collaborative CarePlatform to put them in virtual empathy groups of like-minded people, or they will join specializedsub-groups created by UhX or third-parties. This will be supported through our mobile apps andmobile apps created by our ecosystem of partners. Members will be able to refer other people toUhX and receive rewards in terms of our reward tokens.

UhX eliminates the need for accounts payable processes. Blockchain smart contracts are escrowcontracts with the funds embedded in the contract. As soon as the healthcare service is verified tohave been delivered, the funds move to the healthcare provider. This eliminates invoicing, 30+ daywaits for payment and collections costs for defaulting.


UhX’s innovative Cognitive Crypto Collaborative CarePlatform (C4P) approach to health delivery and paymentis integrated in order to break down the silo systems. Weare building mobile dApps based on specific to their rolerequirements, Intelligent – Personal / Provider / Payer –Assistance, to exponentially improve decision-making.UhX’s open API architecture will support an ecosystemso others can participate in the development and profitby contributing to the community.

Each IPA will be powered by blockchain, leveraging AI,employing connected IoT devices, and secured in ourcloud environment.

Three Perspectives to Deliver Better Healthcare

People Helping PeopleUhX members will have their own Intelligent Personal Assistant (IPA), paired with wearable IoTdevices to support lifestyle changes. The IPA will keep them informed, supported and empoweredin their healthcare and the intergenerational caring of their family. A key driver of the UhXCommunity is the encouragement of self-awareness using technology to show the cause andeffect of personal decisions while reinforcing positive changes with a rewards system.

Provider Health SystemsProviders will be supported with AI driven Intelligent Provider Assistant that curates the latestmedical information and is able to collaborate with a global community of practice. UhX willenable providers to maximize time spent with patients and incentivize positive health outcomeswhile minimizing friction and administrative overhead. We are changing the health paymentbusiness model by allowing a provider to provide care to people without worrying about paymentissues.

Payer SystemsPayers will be able to leverage an AI driven Intelligent Payer Assistant system to impact systemefficiency and transparency. Health payers are a third critical element in the global health system.

The most common forms today are:

• Government/taxpayer funded (not-for-profit based)

• Insurance (corporate, profit based)

• Employer funded (cost reduction based)

• Community share (self funded HCSO)

• Internal Aid funded (not-for-profit, impact based).

All of these systems want to promote healthy lifestyle decisions and operate efficiently, but eachsystem struggles in different ways to achieve these objectives. The UhX Community is an openplatform designed for the participation of individuals and large-scale health plans to join andrealize the benefits.


“The world invested more than $200 billion to improve health in lower-incomecountries over the past 15 years.”

Institute for Health Metrics and Evaluation, 2015

UhX C4P and Global Immunization & Healthcare

Global immunization and healthcare programs are a primary target for the expansion of the UhXplatform. Our platform will enable new business models for donors, governments, and non-governmental organizations (NGOs) to support global public health and disaster relief programs.Our tools will eliminate the need for myriad intermediaries involved in funding programs such asproviding vaccinations for children in developing nations or providing hot lunches for school-agedchildren.

UhX envisions a system where donor agencies can get real-time analytics on the care delivery andpayment performance of their programs, and provide just-in-time payment for those programs.More funding goes towards providing care and less towards supporting overhead, and each dollarspent is completely traceable. In some cases, the beneficiary can even be the one to confirmservice and initiate payment, further protecting the investment. For example, a new mom canconfirm a vaccination event for her child by using SMS messaging, thereby releasing payment forthe care from a donor to the provider or concerned citizens personally and directly paying forimmunizations of newborn children around the world. By using blockchain technology, all of thisis possible, in a transparent way.

“Vaccines have greatly reduced the prevalence of diseases and they continue to be important for global health today. The World Health Organization (WHO) estimates that vaccination averts an estimated 2 to 3 million deaths every year.1 However, if vaccination coverage is

improved an additional 1.5 million deaths could be avoided.” 2

We have partnered with the OpenIZ.org open source immunization community which developsimmunization solutions that currently cover over 100 million individuals in developing nations.The UhX platform will integrate with OpenIZ so that donors will be able to contribute vaccinationsto the community using our platform. Donors will receive immediate reporting and analytics ontheir investments. Donor money will be used for OpenIZ vaccination services around the world,tracking the supply chain, reducing shrinkage of donations during deployment, and eliminatingmany of the unnecessary intermediaries.

Similar democratized programs are being pursued with state and provincial programs ineverything from cancer societies to hot lunches in grade schools to MEDICAID. Anywhere there isunnecessary overhead for payers, there is an opportunity to leverage our payment platform.

The UhX platform will provide minimal friction and overhead while enabling maximum flexibilityand visibility to create specialized programs by area and in partnership with qualified providers todeliver effective, efficient care to those in need. Populations are incented towards healthybehaviors and the UhX platform can provide organizations with measurable results to the impactthrough analytics.

Our team has a great deal of experience in this areas, one of the systems they successfully builtwas a immunization system for 50 million people in Tanzania.


UhX C4P Platform Overview & Initial UhX Services

The UhX platform will provide numerous opportunities to build the next generation of consumerand institutional applications for healthcare. The initial platform will build out a secure APIservices layer that will be the global payment and delivery platform that UhX and our ecosystemof strategic partners will utilize.

The UhX innovative CognitiveCrypto Collaborative Care Platform(C4P) will enable our business andtechnical vision to globally changehealthcare. Our first UhX builtservices will be the cost- sharingmodel. The next UhX applicationwill support global immunization &healthcare.

UhX Services APIs

Our development team is committed and has diverse experience achieving interoperabilitybetween healthcare systems. UhX is currently active in development and our github site is wherewe share our progress.

At the center of our softwarearchitecture lies the APItechnology which ties togetherthe foundational components.This architectural approach hasbeen selected for a number ofreasons.

It abstracts potentially-changingseries of backend services awayfrom consumer applications.

This allows KYC & AML auditing and compliance functions during the initial token sales and laterwhen various services are operational on the platform. Finally, it creates a friendly developmentenvironment in which third-parties can develop innovative services and software tools which willserve to extend the benefit of the UhX ecosystem.

What Blockchain Technology Did We Select?

The UhX team, in consultation with its advisors and partners, have selected the Stellar blockchainnetwork to develop its platform for financial based transactions and Sovrin blockchain networkfor decentralized identity management. We are convinced that Stellar is the best technology tosupport our initial and ongoing business needs. This platform has a great deal of potential to be aleading technology platform enabling many new technologies yet to be imagined. In order tosupport our own development efforts and to give back to the Stellar community, we have alreadyjoined the consensus network with a full validating node.

Both of these blockchain technology decisions are in alignment with our strategic technologypartner, IBM, as we see this as an accelerator to fast and global deployment success.

UhX Wallet

UIUhX API


Focus on Security

As custodians of our members’ personal information, and managing flows of payment and value,the security of our technical platform is of the highest priority.

We are developing each component of our software systems with security as a central focus fromarchitecture to implementation to testing and back. We are employing industry-standard, bank-level security tools such as OATH, JWT, and SSL and are engaged in ongoing penetration testing.As our solutions mature, we will expose our development hosting environment and invite publicscrutiny of the code. We hope to offer a “bug bounty” to encourage community engagement inour code development and to incentivize the software community to report any bugs orvulnerabilities in our tools. With end to end privacy and security based on advanced standards likeFIPS 140-2 and the innovation in the distributed computing, AI and Bitcoin space, we can haveprovably secure design of cryptocurrency along with rewards management, payment and tokenexchange management systems that is multi-cloud along with support for edge and mobiledevices, helping the user and provider alike.

Current Progress and Roadmap

TechnologyWe are implementing a minimum viable product of the Universal Health Cost Savings applicationdescribed in this paper. See our Github account for updates and information:https://www.github.com/uhctoken.

RoadmapOur two-year roadmap is measured in seconds, minutes, hours and days. We have accomplishedgreat things from a fiscal, involvement and technological perspective. But it’s just the beginning.


Token ReleaseTo support the UhX business model a limited ICO release of UhX tokens will be available startingin July, 2018. Annually we plan release a smaller amount of tokens July 2019 and for the followingfive years. We expect to reward our UhX holders with the first opportunity to purchase these newreleases. A limited amount of tokens will be retained to invest in employee and partnerperformance incentives.

We will announce more details for the sale at the end of Q2. For updates with regards to thetoken sale, please see the following URL: https://www.universalhealthcoin.com/#token

Team

This is our secret sauce. We have assembled a very unique team of people and partners. Theycome from diverse industries and experiences from around the world, but with common traits:

• Disruptive thinkers and executors• Track record of success• Passion to make global healthcare better.

Some of our team and partners are named and many more are waiting to join us as we get theresources to accelerate our plan. We already have technical development in U.S., Canada and theCaribbean.

FoundersCourtney P. Jones - Universal Healthcoin’s Co-founder, Chairman andCEO. Courtney Jones is a serial entrepreneur, with a long interest indiscovering new and better ways to communicate. Courtney was Co-founder and Chairman of FindWhat.com, a pay-per click search enginefounded in 1998, many years before Google embraced the businessmodel. Findwhat.com became the world’s first publicly traded Internetcompany on the NASDAQ to ever post a profit – before Yahoo, Amazon orAOL. As Co-Founder and Chairman, Findwhat.com became the 7th fastesttechnology company in North America from 1998-2003, growing to anearly $1 billion market cap. Courtney is also the expert commentatorproviding crypto market analysis for Cryptotradesmith.com

Gordon Jones, DrHA, MSHA, PAHM, PPM is Universal Healthcoin’s Co-founder, President & COO. After graduating from The Citadel and servingtwo tours in the 82nd Airborne Division USA, he earned a Master andDoctorate in Health Administration from the Medical University of SouthCarolina. He has acquired 25 years of digital health innovation,entrepreneurship, and business development. He has served in seniorleadership positions for public companies such as NDC Health, inVentivHealth, and West Corporation. He founded or has invested in manyprojects including the first web-based physician billing company, the firstcomputer-assisted dental surgery system, wearables & IoT, anddeveloping full-risk health system organizations. Dr. Jones is a co-founderof Augusta’s premier incubator and co-working space, theClubhou.se,and Entrepreneur-in-Residence for its Kauffman Foundation fundedStartupLife program. Dr. Jones is also the author, co-lead, and producer ofthe crypto song – Blockchain Movement - in Music Stores everywhere.


Richard Smith, PhD - Universal Healthcoin’s financial market analyticsexpert. Richard has his PhD in Math and Systems Science. He is CEO ofTradeStops. He has spent the last 10 years researching and developingalgorithms and services that give individual investors the tools they needto remain in their personal investing comfort zone, and to succeed. Withhis background in mathematical theories of uncertainty combined withhis own investing and trading experience, Dr. Smith understands riskmanagement and how to use it as a self-directed investor to master themarket. He has been studying the cryptocurrency markets for the pastfew years and brings that combined expertise to Universal Healthcoin. Dr.Smith believes in the power of the individual investor.

Board of Directors

Brian Beasley - Brian was appointed Beasley Broadcast Group, Inc.’s ChiefOperating Officer on January 1, 2017. Beasley Broadcast Group has 63stations, in 15 markets and reaches 19 million weekly consumers. Hepreviously served as Vice President of Operations from 1997 untilDecember 31, 2016. Mr. Beasley has served as a Director of BeasleyBroadcast Group, Inc. since 1982. He brings 40 years of media experienceto this position. Mr. Beasley serves on the Board of Directors of the RadioAdvertising Bureau and is a past member of the North CarolinaAssociation of Broadcasters Board of Directors. He earned a B.S. degreefrom East Carolina University.

Active AdvisorsJacque J. Sokolov, M.D. - Jacque is chairman and chief executive officerof SSB Solutions, Inc., a diversified healthcare management,development and financial services company. Following his formaltraining as an academic cardiologist, Dr. Sokolov has had the opportunityto serve as board director, corporate officer and advisor, in multiplehealthcare sectors including: Health Plans/Large Employers;Hospitals/Hospital Systems; Physician Practice ManagementOrganizations/Group Practices; Clinically Integrated Organizations(CIOs/ACOs); Pharmaceutical Companies; Device Companies;Biotechnology Companies; and Private Equity/Venture Entities. Hestarted his career as Vice President for Healthcare and Chief MedicalOfficer for Southern California Edison Corporation (NYSE:EIX). Dr. Sokolovcurrently serves or has served in multiple board capacities for PublicCompanies including Hospira (NYSE:HSP), MedCath (NASDAQ:MDTH),and PhyAmerica (NYSE:ERDR); Private Companies including VeteransAccountable Care Group (VACG) / Veterans Accountable CareOrganization (VACO), GlobalMed, Zoonie (SMG), MyHealthDirect, NeuLifeNeurological Services (NeuLife), Calviri and SSB Solutions/Health CareCommunity Development Group (HCDG); and Non Profit Organizationsincluding Phoenix Children’s Hospital, The Health Futures Council at ASU,The National Health Foundation, the American College of MedicalQuality, the National Fund for Medical Education, the National BusinessGroup on Health and the White House Health Project.


Active AdvisorsStephen Brickell - Stephen is a IBM Canadian leader for Cloud, AI,Blockchain, Software, and Services for Canadian Healthcare, ProvincialGovernment, and the Universities & Colleges. In Stephen’s 33 year careerhe has focused the last 10 year on healthcare transformation and createdbusiness and technology solutions that have been adopted globally.Stephen has also lead industry focused teams in finance, manufacturing,retail, distribution, and telecom. Stephen is UhX’s executive lead withinIBM and have provided great value with IBM technology briefings, seniorVP executive meetings, consulting, business and architecturalcollaboration. Stephen’s disruptive and innovation focus aligned withUhX beliefs and business direction.

Duane Bender - Duane is a technology executive that has ledinternational applied research projects in Digital Health since 2007.Duane is currently leading a team of over 40 dedicated researchers andengineers as the Research Director of the federally funded TechnologyAccess Centre for Digital Health in Hamilton, Ontario, Canada where hispassion is to drive innovation in healthcare technology. Duane is alicensed Professional Software Engineer and technology architect withover 22 years of practical experience in large scale systems development.Duane also holds a Faculty position at Mohawk College in Hamilton,Ontario, Canada as Professor of Software Engineering Technology and is apublished author and speaker on digital health and modern softwareengineering. Since 2007 Duane has worked with over 100 public andprivate sector partners on applied research, education and skillsdevelopment programs with organizations and individuals around theworld. Mr. Bender holds governance positions with several national andinternational standards bodies including Canada Health Infoway and theInternational Standards Organization.

Raj Balasubramanian - Raj is the IBM Program Director of the Watsonand Cloud Platform. He is responsible to drive cross portfolio offeringsonto public IBM Cloud, supporting key industries like healthcare, fintech,insurance and public sector. He leads one of IBM’s most important globaldevelopment segments with responsibilities that include marketing,design, dev and ops in IBM Cloud. His responsibilities include working outstrategic roadmap that brings together the offerings, identifying themesand synergies across our portfolio and looking for opportunities toinnovate where we have gaps. Prior to the current role, he lead severaldevelopment, architecture and management positions managing appdevelopment and dev ops teams.

Michael Barnard - Michael Barnard lead a professional consultingengagement to review and progress development of the UhX businessand technology architecture, blockchain and cloud, including the whitepaper. He has over 20 years of global delivery, innovation, transformationand consulting experience, covering a wide span of business andtechnical domains. His specialties include: Healthcare, gridtransformation, blockchain, cloud portfolio transformation strategy,complex program startup.


Active Advisors

Brian vanOosten – going by the name of BvO, BvO is our project lead inthe development of the UhX applications, blockchain wallet, and othertech responsibilities. BvO holds a Master of Health Informatics degreefrom uToronto. He is more excited than any reasonable person should beabout public health and digital immunization records, and is thrilled to beimproving Ontario’s provincial immunization systems. He is a digitalhealth professional with expertise delivering software products thatprovide positive patient experiences in both clinical and public-healthsettings. He brings a strong foundation of technical knowledge and aproven history of understanding the needs of multiple stakeholdergroups. He has served the healthcare industry by strategically applyingemerging technologies to the problems of healthcare, public health, andthe interactions between the public, the clinical environment, andinformation technology.

Joel Garcia - Founder and CEO of AllCode is UhX’s ICO consultant. Joel isinnovative, hands-on executive with a proven record of designing anddeveloping Blockchain, ICOs, Big Data, Software-as-a-Service (SaaS),Mobile, and Desktop Application that must drive revenue. Experienceranges from building teams for a startup that became the top IPO of theyear to product delivery at a large, mature software company. His team isexecuted several ICOs in particular on NEO, ETH and Stellar.

Tony Meggs - Universal Healthcoin’s Health Cost Sharing MinistriesExpert. We have one of the top experts in the field of health cost sharingministries joining our advisory as soon as his/her current contractualobligations are fulfilled. Tony Meggs is the President & CEO of Sharable,LLC. and leads Sharable with a vision and passion to see health caresharing replace insurance as the most effective and human way tofinance America’s healthcare needs. Tony is a pioneer in the sharingeconomy and has more than 15 years of executive experience within thehealth care sharing industry. From 2011 – 2016, Tony was the ChiefExecutive of Medi-Share, the nation’s largest Healthcare SharingOrganization and P2P Sharing Platform. He led Medi-Share in thedevelopment of the industry’s first patented virtual share exchange.

Nick Perez – is UhX’s web-developer. Strategic Digital MarketingConsulting, Operations Consulting and Technology & ProductDevelopment/Project Management. Experienced Online MarketingProfessional, having managed multiple million dollar/monthly digitalspend campaigns resulting in tens of millions of profit for my clients. Heis a Co-Founder of Big Daylight - a Digital Marketing and Digital BrandingStrategy Consulting company that focused on high end marketingconsulting mostly for large agencies across the US. Clients ranged fromAuberge du Soleil, Anchor Brewing Company, Chateau Montelena, andvarious other Fortune 100/500 companies. Nick is a graduate of theUniversity of Michigan (BA) and Lawrence Technological University(MBA).


Active Advisors

Nick van Terheyden, MD - Universal Healthcoin’s International DigitalHealthTech Expert. Dr. Nick van Terheyden brings a distinctive blend ofmedical practitioner and business strategist, both national andinternational, to the realm of healthcare technology. A graduate of theRoyal Free Hospital School of Medicine, University of London, Dr. vanTerheyden is a pioneering creator in the evolution of healthcaretechnology. Formerly of Chief Medical Officer of Dell, He has recentlyfounded Incremental Healthcare where he focuses on seeking outincremental changes from other industries that can be leveraged toimprove quality, reduce cost and increase access to healthcare.

UhX has had the privilege of advisory and consulting services from many other experts in theirrespective fields of blockchain, AI, Cloud, analytics, health system design, pharma, etc. You mayfind them list here: https://www.universalhealthcoin.com/#team

Tricia Nguyen, MD, MBA - Universal Health Coin’s Health System Designand Clinical Integration Expert. Dr. Nguyen is the CEO of theCommonwealth Health Network, the clinical network for the iNovaHealth System serving our Nation’s Capital Region. Previously, she wasPresident of the Texas Health Population Health, Education & InnovationCenter, which serves as the nexus for sharing best practices,disseminating information about innovative approaches, leadingphysician-directed population health initiatives and coordinatingcommunity-based well-being collaboration. She received a bachelor'sdegree from Creighton University School of Pharmacy in Omaha, Neb.,and a medical degree from the University of Missouri at Columbia Schoolof Medicine, and an MBA from the University of Texas. She is boardcertified in internal medicine.

Scott T. Roethle, MD, FASA – Scot is Co-founder and on Executive teamof two healthcare startups, and Advisor to Boards of several healthtechnology companies. We are working on managed services and ITconsulting to bring health wearables and SaaS to employers,practitioners, and directly to the consumer. He has proven experience ingroup management and executive leadership and serves in advocacyleadership as a Delegate for the American Society of Anesthesiology, asPresident of the Kansas Society of Anesthesiology, and Board Member ofKansas City Medical Society.

Bithia Anderson, PharmD serves as the Assistant Director of the PRIMEInstitute at the University of Minnesota College of Pharmacy. Dr.Anderson is trained in and employs strategic issues managementmethodology to her work at the PRIME Institute as well as her otherwork. Strategic issues management allows for the anticipation andidentification of market issues and their major consequences many yearsbefore they occur in the market. In her role, she works with policymakers at the federal and state level, clinical and non-clinicalpractitioners, private corporations, federal and state governmentorganizations, PBMs, health plans, pharmaceutical companies, pharmacyorganizations, startups, and others.


Why Join the UhX Global Movement?

The three common questions people ask to determine if they will participate in an ICO are:

Do I believe in, The Need, The Approach, and The Team?

1) The NeedHealthcare is the most basic human need. Globally, healthcare is in a delivery and financial crisis.Increase in chronic diseases are at epidemic proportions which impacting personal quality of lifeand healthcare costs. The explosion of medical research has made it humanly impossible forproviders to stay current. Our health system have become so complex, siloed, and inefficient thatit is impacting providers and payers who are losing focus on the patients proactive health. Manyexperts assess that the $10 trillion healthcare spend has enormous waste due to these issues.

2) The ApproachWe are building a global community - a Movement - of enlightened people, providers, and payersmotivated to disrupt the siloed status quo and create a new system of quality and efficiency.UhX approach has been vetted my some of the most experience healthcare and technologyprofessionals. We have confidence our approach will be successful based industry expertfeedback, and the number of healthcare industry partners who have joined us. We see the onlyquestion is, “How fast and to what global scale will UhX impact global healthcare?”.

3) The TeamWe have assembled a very diverse group of industry leaders (Healthcare / Technology /Entrepreneur / Broadcasting / Research, etc) with career track records of unquestionable successcoupled with a passion and drive for industry disruption. The UhX team, working with over 25industry leading companies (with over 53,000 medical providers), are driving the Movement for ainnovative, democratized healthcare system that delivers the best care at the lowest cost.

We are creating a global Movement of like minded people in our UhX team, in our partners andmost importantly in our supporters who purchase UhX tokens. Imagine, if you were first in line tohelp Uber change rideshare and transform the world. Now think about healthcare for you, yourfamily and the global community.

For the latest updates on our ICO, the buildout of the UhX platform, the growth of our team,the expansion of our technology and service partners, please review the website, our Twitter,GitHub, Telegram and Reddit channels.

https://t.me/universalhealthcoinx

https://twitter.com/uhxtoken/

https://www.github.com/uhctoken

https://www.universalhealthcoin.com/

https://www.reddit.com/user/uhxtoken

https://www.universalhealthcoin.com/blog/


Appendix & References

PartnersUhX has been actively creating our partnership ecosystem. We are advancing partnerships withtechnology and healthcare service organizations such as IBM, MEDIC Healthcare AppliedResearch, Stellar, Sovrin, GlobalMed, Teledoc/HealthiestYou, and Maple for Telehealth, MiNT andEHN for EMR integration, Veterans Accountable Care Group, The Health First Network and WHFHealth in the Caribbean. Each of these organizations have a common goal to more efficiently andcost-effectively deliver their programs to families and healthcare service providers.

Healthcare is a Team Sport. Our Partners are World Class Players.IBM - UhX is aligning itself with IBM. To deliver our global vision, we need a Global Services,Cloud and Software partner. IBM has offices in 170 countries. We will be hosting our solutions onIBM Private Cloud, using Watson for Health and taking advantage of IBM Security Services todeliver a robust and global solution. IBM Services will be integrating our overall solution andmanaging the technical components. We will leverage IBM’s global Apple Partnership and set ofenterprise apps to extend our reach rapidly. IBM is already partnered with Stellar and Sovrin, theblockchain solution we’ve selected as best for our needs.

MEDIC Health Technology Research - MEDIC is a centre of excellence in the development,adoption, and testing of the application of modern information and communicationstechnologies to healthcare ("Digital Health"). With the sponsorship of Provincial and Federalgovernments in Canada as well as over 50 public and private sector partners, the Mohawk teamdesigns health technology systems, conducts applied research, and provides education and skillsdevelopment programs to government, healthcare agencies and other organizations andindividuals around the world.

GlobalMed - worldwide leader in telemedicine and only vertically integrated provider, GlobalMedtechnologies enable more than 3 million telehealth consults annually. Their evidence-basedsolutions include: telemedicine stations, examination cameras, connected medical devices, videoconferencing and software that allow for connected care and dynamic collaboration of healthcareprofessionals at remote locations. We are at partner of VACG and are credentialed to be in theWhite House.

Healthwise - They built the world's best health content, patient education solutions, andsoftware for the top health plans, hospitals, consumer health web applications and portals.

Apple - HealthKit and Apple PHR - The new Apple PHR feature will aggregate existing patient-generated data in a user's Health app with data from any hospital that has interfaced with thesystem using HL7's FHIR (Fast Healthcare Interoperability Resources) specification. We will enableApple PHR into our ecosystem so members profile may include things like allergies, medications,conditions, and immunizations, lab results. Apple is also adopting Watson into the mix.

Sharable - Sharable is the Virtual Sharing Exchange created by our advisor, Tony Meggs. Weexpect to embed VSE into the community cost sharing service to help us reach market faster.

Human Factors Analytics - An analytics consulting company that brings clarity to vast amounts ofrisk data and yields empirically valid risk management solutions. Outcomes-based analytics andconsulting for small to mid-size self-insured employers, healthcare benefits brokers, and wellnessproviders to analyze risk and identify what is driving present and future cost.


Appendix & References

PartnersTeledoc/HealthiestYou is UhX’s primary telehealth application giving US based members accessto their 3,100 doctor network in all 50 states. Through the UhX app, members will be able toschedule a telehealth visit with a doctor, to ask questions and receive recommendations for care.UhX will also be contracting with other telehealth networks around the world that are legallyavailable to members in other countries as we grow the UhX ecosystem. Further, through ourrelationship with Teladoc, members get access to the Best Doctors network which includes over53,000 health service providers around the world serving over 40 million members with apresence in over 100 countries across the globe. https://bestdoctors.com/

The Karis Group has been contracted to serve as our health advocacy and concierge servicehelping to facilitate the Universal Healthcoin community cost sharing events and answer carecoordination questions. UHX members will be able to access Karis’s 360 platform through theUhX mobile app at any time they have a health question or believe they need to go to a doctor.Karis is not a clinical team, but they will help members access the right resources for your needsaccording to your location and assist members at each stage of their healthcare experience. Youmay learn more about them at: https://thekarisgroup.com/

MiNT and EHN - The health information exchange connecting divergent EMRs together with aninterface currently with a Hyperledger project.

Welwaze Medical - Welwaze Medical is preparing to disrupt the breast cancer market based onan integrated system that includes a medical device, an app, and AI on a blockchain poweredplatform.

Health First Network is an integrated and comprehensive network of 700+ physicians dedicatedto improving the health care experience and quality of life of people in Northwest Florida. HFNIconnects physicians, patients, health plans, businesses, and the greater community, thereby,weaving a web of good health. This web is woven and reinforced through a commitment to localmedical management, education, wellness, innovation, a team approach, and the delivery ofquality, accessible, and affordable health care.

For more partnership information, please visit us at:

https://www.universalhealthcoin.com/#collaborators

An individual joins UhX and

pays their contribution

which is converted into

Universal Healthcoin

The transaction is

represented online as a

block and UhX member

identity is encrypted

The block is

transmitted to

the UhX network

The UhX network approves

the transaction as valid

The block is added to the

blockchain providing an

indelible and transparent

recordThe payment moves into

the member’s UhX wallet

for funding health eventsThe UhX member goes to

see a doctor or other health

services providerThe facility uses the UhX Card

or Mobile App to acknowledge

the member is present

1

The UhX block validates the

member is active and has

available UHX

Doctor sees the member

and provides the health

service

Doctor updates the UhX

block with the health status

of the member and service

notes from the visit

The UhX network approves

the transaction as validThe block is then added to

the blockchain which provides

an indelible and transparent

record of the transactionThe cash payment then moves from

UhX into the Doctor’s payment system

– this transaction is instantaneous

2

3

4

5

6

7

8

9

11

10

12

14

13

15

UhX is a global decentralized health delivery and payment platform that will increase the quality of healthcare while reducing the cost. Our Cognitive Crypto Collaborative Care Platform (C4P) brings People, Providers and Payers together. We reward for behavior modification, incentivizing wellness through our intelligent personal assistants (IPA) that curate the latest medical breakthroughs to providers and patients.

UhX member data is encrypted

in the block and transmitted to

the UHX network

SERVICEPARTNERSWe have established

partnerships with multiple

service providers whose

services will flow through to

our clients. Below are just a

few of our partners.

Back-office and Operations SaaS

Our focus will be on building and

delivering world-class payment

solutions for our clients, not

recreating existing capabilities.

With our IBM partner we will

provide proactive monitoring

and management of threats

and incidents.

We will maintain our infrastructure on IBM

Cloud, a secure, global, micro-service-enabled,

highly scalable infrastructure.

Our clients are connected,

engaged, health-conscious

and mobile. They want health

choices at reasonable costs

wherever they are.

Providers will connect with us through

our apps and theirs, providing quotes,

receiving approvals instantly and viewing their

payment histories.

We have aligned with Stellar:

An IBM partner which uses

blockchain as a platform that

connects banks, payments

systems, and people. We willalso

maintain a Stellar supernode on

our Cloud to provide low-latency

connection and analytics.

We will validate our clients via world-

class KYC identitypartners including

IdentityMind and Sovrin.

We will maintain wallets

on behalf of our clients,

allowing easy on-boarding and

high security.

We will provide connectivity to client

applications and partners through

standard OpenAPI RESTful interfaces.

We will rigorously test all

of our smart contracts for

services using Monte Carlo

simulation and automated testing

internally.

We will deliver world-class

predictive, fraud-detection

and reporting analytics via IBM

Watson and partner analytics.

Human

Resources

Finance Operations Customer

Relations Mgmt

DID

YO

U K

NO

W?

UhX member needs attending by health service provider

Provider recommends surgery

Health Care Event (HCE) summary is created including reputation summary of member (anonymous), with reputation summary of provider, treatment plan summary, and cost

HCE summary is presented to UhX Health Advocate Service for assistance simultaneously as…

HCE Summary is presented to funding members who have been selected by the UhX indexing system specifically based upon this HCE and the member’s profile interests and constraints of their contribution.

Funding members are rewarded for opting in quickly while also reviewing the case for hints of fraud; they may even elect to enable the UhX AI to auto-pay their contribution based upon their profile interests and constraints.

1

2

3

4

5

6

7

$5,600

$5,600

$5,600

$5,600

Rewards for reducing fraud

Rewards for member compliance

11

12

Member’s monthly contribution is used for funding payment until cost is covered

Payment is sent to providers UhX wallet pending validation of service

Upon validation of service, payment is made

Upon Opt-in, funding members may elect to be connected to the member in need to open channels of support and responsibility; all may remain anonymous

Members remain connected during the complete HCE process; and members and provider are rewarded for member compliance and best outcomes

HCE community ends upon member returning to healthy status (opt-in communications may be enable if both parties wish)

10

C O M M U N I T Y C O S T S H A R I N G

Rewards for opting in first

8

9

LOCATIONSUniversal Health Coin Global Inc.

IBM Innovation CentreOne King Street West, Suite 400

Hamilton, OntarioL8P 1A4, Canada

Universal Health Coin, PBCTheClubhou.se Incubator

540 Telfair StreetAugusta, Georgia, 30901 USA


Resources

The sources listed here were all read and absorbed for their insight and our understanding of howUniversal Healthcoin can best benefit the public by meeting a need not currently available to thepublic. You should also read them to increase your knowledge and understanding about howblockchain and cryptocurrency may benefit a particular concern you focus on in your work andpersonal life. These sources provide information that is periodically used to educate our readersherein and may lack a link back to the specific article listed below.

1. Blockchain and Health IT: Algorithms, Privacy, and Data [PDF – 507 KB] - PDF. A peer-to-peer that enablesparties to jointly store and analyze data with complete privacy that could empower precision medicine clinicaltrials and research. Authors: Ackerman Shrier A, Chang A, Diakun-thibalt N, Forni L, Landa F, Mayo J, vanRiezen R, Hardjono, T. Organization: Project PharmOrchard of MIT’s Experimental Learning “MIT FinTech:Future Commerce.”https://www.healthit.gov/sites/default/files/1-78-blockchainandhealthitalgorithmsprivacydata_whitepaper.pdf

2. Blockchain: Securing a New Health Interoperability Experience [PDF – 609 KB] - PDF. Blockchain technologiessolutions can support many existing healthcare business processes, improve data integrity and enable at-scaleinteroperability for information exchange, patient tracking, identity assurance, and validation. Authors:Brodersen C, Kalis B, Mitchell E, Pupo E, Triscott A. Organization: Accenture LLPhttps://oncprojectracking.healthit.gov/wiki/download/attachments/14582699/2-49-accenture_onc_blockchain_challenge_response_august8_final.pdf?version=1&modificationDate=1472657006000&api=v2

3. Blockchain Technologies: A Whitepaper Discussing how Claims Process can be Improved [PDF – 1 MB] - PDF.Smart contracts, Blockchain, and other technologies can be combined into a platform that enables drasticimprovements to the claims process and improves the healthcare experience for all stakeholders. Author:Culver K. Organization: Unaffiliatedhttps://oncprojectracking.healthit.gov/wiki/download/attachments/14582699/3-47-whitepaperblockchainforclaims_v10.pdf?version=1&modificationDate=1472657193000&api=v2

4. Blockchain: Opportunities for Healthcare [PDF – 787 KB] - PDF. Presentation of an implementationframework and business case for using Blockchain as part of health information exchange to satisfy nationalhealthcare objectives. Authors: Krawiec RJ, Barr D, Killmeyer K, Filipova M, Nesbit A, Israel A, Quarre F, FedosvaK, Tsai L. Organization: Deloitte Consulting LLPhttps://www.healthit.gov/sites/default/files/4-37-hhs_blockchain_challenge_deloitte_consulting_llp.pdf

5. A Case Study for Blockchain in Healthcare: “MedRec” Prototype for Electronic Health Records and MedicalResearch Data [PDF - 591 KB]. - PDF A decentralized record management system to handle electronic healthrecords, using Blockchain technology that manages authentication, confidentiality, accountability and datasharing. Authors: Ekblaw A, Azaria A, Halamka J, Lippman A. Organizations: MIT Media Lab, Beth IsraelDeaconess Medical Center.https://www.healthit.gov/sites/default/files/5-56-onc_blockchainchallenge_mitwhitepaper.pdf

6. The Use of a Blockchain to Foster the Development of Patient-Reported Outcome Measures [PDF – 195 KB] -PDF. Use of the Internet of Things in combination with Blockchain technology for Patient Reported OutcomeMeasures (PROMs). Author: Goldwater JC. Organization: National Quality Forum

7. Powering the Physician Patient Relationship with ‘HIE of One’ Blockchain Health IT [PDF-162 KB] - PDF.

8. ‘HIE of One’ links patient protected health information (PHI) to Blockchain identities and Blockchainidentities to verified credential provider institutions to lower transaction costs and improves security for allparticipants. Author: Gropper A. Organization: Unaffiliated.https://www.healthit.gov/sites/default/files/6-42-use_of_blockchain_to_develop_proms.pdf


Resources

9. Blockchain: The Chain of Trust and its Potential to Transform Healthcare – Our Point of View [PDF- 249 KB] -PDF. Potential uses of Blockchain technology in healthcare including a detailed look at healthcare pre-authorization payment infrastructure, counterfeit drug prevention and detection and clinical trial results usecases. Organization: IBM Global Business Service Public Sector.https://www.healthit.gov/sites/default/files/8-31-blockchain-ibm_ideation-challenge_aug8.pdf

10. Moving Toward a Blockchain-based Method for the Secure Storage of Patient Records [PDF – 270 KB] - PDF.Use of Blockchain as a novel approach to secure health data storage, implementation obstacles, and a plan fortransitioning incrementally from current technology to a Blockchain solution. Author: Ivan D. Organization:Unaffiliated.https://oncprojectracking.healthit.gov/wiki/download/attachments/14582699/8-31-blockchain-ibm_ideation-challenge_aug8.pdf?version=1&modificationDate=1472657336000&api=v2

11. ModelChain: Decentralized Privacy-Preserving Healthcare Predictive Modeling Framework on PrivateBlockchain s [PDF – 272 KB] - PDF. ModelChain is a framework used to adapt Blockchain to enable privacy-preserving healthcare predictive modeling and to increase interoperability between institutions. Authors: KuoT, Hsu C, Ohno-Machado L. Organizations: Health System Department of Biomedical Informatics, University ofCalifornia San Diego, La Jolla, CA Division of Health Services Research & Development, VA San Diego HealthcareSystem.https://www.healthit.gov/sites/default/files/10-30-ucsd-dbmi-onc-blockchain-challenge.pdf

12. Blockchain for Health Data and Its Potential Use in Health IT and Healthcare Related Research [PDF – 1.5MB] - PDF. A look at Blockchain based access-control manager to health records that advances the industryinteroperability challenges expressed in ONC’s Coin d Nationwide Interoperability Roadmap. Authors: Linn L,Koo M. Organization: Unaffiliated.https://oncprojectracking.healthit.gov/wiki/download/attachments/14582699/11-74-ablockchainforhealthcare.pdf?version=1&modificationDate=1472657425000&api=v2

13. A Blockchain-Based Approach to Health Information Exchange s [PDF-402 KB] - PDF. A Blockchain-basedapproach to sharing patient data that trades a single centralized source of trust in favor of consensus, andpredicates consensus on proof of structural and semantic interoperability. Authors: Peterson K, Deedvanu R,Kanjamala P, Boles K. Organization: Mayo Clinic.https://www.healthit.gov/sites/default/files/12-55-blockchain-based-approach-final.pdf

14. Adoption of Blockchain to enable the Scalability and Adoption of Accountable Care [PDF-500 KB] - PDF. Anew digital healthcare delivery model that uses Blockchain as a foundation to enable peer-to-peerauthorization and authentication. Author: Prakash R. Organization: Unaffiliated.https://oncprojectracking.healthit.gov/wiki/download/attachments/14582699/13-71-blockchain_for_healthcare_paper_final.pdf?version=1&modificationDate=1472657492000&api=v2

15. A Blockchain Profile for Medicaid Applicants and Recipients [PDF – 190 KB] - PDF. A solution to the problemchurning in the Medicaid program that illustrates how health IT and health research could leverage Blockchain-based innovations and emerging artificial intelligence systems to develop new models of healthcare delivery.Authors: Vian K, Voto A, Haynes-Sanstead K. Organization: Blockchain Futures Lab - Institute for the Future.https://oncprojectracking.healthit.gov/wiki/download/attachments/14582699/14-38-blockchain_medicaid_solution.8.8.15.pdf?version=1&modificationDate=1472657517000&api=v2

16. Blockchain & Alternate Payment Models [PDF - 601KB] - PDF. Blockchain technology has the potential toassist organizations using alternative payment models in developing IT platforms that would help link qualityand value. Author: Yip K., Organization: Unaffiliated.https://www.healthit.gov/sites/default/files/15-54-kyip_blockchainapms_080816.pdf

17. Medical cost trend: Behind the numbers 2018 [PDF – 2.88MB] - PDF. Organization: PwChttp://www.pwc.com/us/en/health-industries/health-research-institute/behind-the-numbers.html


Resources

18. $200 Million in 60 Minutes: Filecoin Token Sale Rockets to Record Amid Tech Issues. Organization:CoinDesk.https://www.coindesk.com/200-million-60-minutes-filecoin-Token Sale-rockets-record-amid-tech-issues/

19. The Token Sale Mania and its Consequences on Neo. Author: Bendella, W. Organization: TheCoinTelegraph.https://cointelegraph.com/news/the-Token Sale-mania-and-its-consequences-on-Neo

20. Shipping Giant Deploys Blockchain to Combat Industry Cyberattacks. Author: Suberg, W. Organization: TheCoinTelegraph.https://cointelegraph.com/news/shipping-giant-deploys-blockchain-to-combat-industry-cyberattacks

21. Principles of Health Economics Including: The Notions of Scarcity, Supply And Demand, Distinctionsbetween Need And Demand, Opportunity Cost, Discounting, Time Horizons, Margins, Efficiency And Equity.Author: Parkin, D. Organization: Health Knowledge.https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwjfwqnqhpbWAhVB4yYKHbMhDPUQFggmMAA&url=https%3A%2F%2Fwww.healthknowledge.org.uk%2Fpublic-health-textbook%2Fmedical-sociology-policy-economics%2F4d-health-economics%2Fprinciples-he&usg=AFQjCNGsTDFSGd4z2qRAoxxolVGxwiotvg

22. The ‘Right’ to Healthcare. Author: Williamson, K. D. Organization: National Review.http://www.nationalreview.com/article/447389/there-isnt-one

23. Physician Supply and Demand Through 2025: Key Findings [PDF - 36KB] - PDF. Organization: Association ofAmerican Medical Colleges.https://www.aamc.org/download/426260/data/physiciansupplyanddemandthrough2025keyfindings.pdf

24. Bill Gates: Bitcoin is ‘Better than Currency’. Author: Shandrow, K. L. Organization: Entrepreneurhttps://www.entrepreneur.com/article/238103

25. How Blockchains Will Solve Healthcare IT's Most Pressing Issues. Organization: PodikDok.https://blog.pokitdok.com/healthcare-it-issues/

26. Patientory to Integrate Dash Payments Using BlockCypher Web Services. Organization: Patientory.https://patientory.com/2017/08/24/patientory-integrate-dash-payments-using-blockcypher-web-services/

27. Blockchain Eyed For Potential Use Cases In Revenue Cycle. Author: Miliard, M. Organization: Healthcare ITNews.http://www.healthcarefinancenews.com/news/blockchain-eyed-potential-use-cases-revenue-cycle

28. Old Ways of Thinking Won’t Work for Blockchain, Experts Say. Author: Miliard, M. Organization: HealthcareIT News.http://www.healthcareitnews.com/news/old-ways-thinking-wont-work-blockchain-experts-say

29. Healthcare rallies for blockchains: Keeping patients at the center [PDF - 523KB] - PDF. Organization: IBM.

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32. First FinTech, Now HealthTech. Author: Harriet, L. Organization: Ingenuity.http://ingenuitylondon.com/first-fintech-now-healthtech/


Resources

33. Blockchain for Healthcare: A Recommended Reading List. Author: Gramling, A. Organization: Healthcare ITLeaders.http://www.healthcareitleaders.com/blog/blockchain-healthcare-recommended-reading-list/

34. Blockchain in Health Care: Decoding the Hype. Authors: Gordon, W., Wright, A., & Landman, A.Organizations: Brigham & Women’s Hospital, Harvard Medical Schoolhttp://catalyst.nejm.org/decoding-blockchain-technology-health/

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36. America's Failing Healthcare System Brings Up An Investment Opportunity You Don't Want To Miss. Author:Garret, O. Organization: Unaffiliated.https://www.forbes.com/sites/oliviergarret/2017/03/01/americas-failing-healthcare-system-brings-up-an-investment-opportunity-you-dont-want-to-miss/#408e96126c7b

37. Why Millennials Keep Bitcoin for Rainy Days. Author: Pollock, D. Organization: The CoinTelegraph.https://cointelegraph.com/news/why-millennials-keep-bitcoin-for-rainy-days

38. Millennials Coming of Age. Organization: Goldman Sachs.http://www.goldmansachs.com/our-thinking/pages/millennials/index.html?cid=PS_01_18_07_00_02_15_01&mkwid=jQEidTUf

39. What Healthcare Gets Wrong About Millennials. Author: Vos, L. O. Organization: Unaffiliated.http://fortune.com/2016/12/16/healthcare-millennials/

40. 7 Ways Millennials Are Changing The Healthcare Industry (And What It Means To You). Author: Wanstrath,K. Organization: HFA.http://www.teamhfa.com/news/insights/7-ways-millennials-are-changing-healthcare-industry/

41. How to stage an Token Sale (and answers to other lingering questions you might have). Author: Loizos, C.Organization: TechCrunch.https://techcrunch.com/2017/05/24/how-to-stage-an-Token Sale-and-other-related-questions-you-might-like-answered/

42. Introduction to the Neo Blockchain. Author, Preethi Kasireddy. Meduim Sept. 27, 2017.https://medium.com/@preNEOikasireddy/how-does-Neo-work-anyway-22d1df506369

43. Blockchain & Healthcare Strategy Guide 2017: Reinventing healthcare: Towards a global, blockchain-basedprecision medicine ecosystem. Kindle Edition by Axel Schumacher, Amazon.com.https://www.amazon.com/Blockchain-Healthcare-Strategy-Guide-2017-ebook/dp/B073JWFP2H/ref=cm_cr_srp_d_product_top?ie=UTF8

If you wish to review the original white paper on the creation of Universal Healthcoin writtenby Dr. Gordon Jones and Courtney P. Jones and published in October 2017, feel free to read iton Dr. Jones’ LinkedIn Articles page:

https://www.linkedin.com/pulse/part-one-unversal-health-coin-dr-gordon-jones/

https://www.linkedin.com/pulse/part-one-unversal-health-coin-dr-gordon-jones/


Disclaimer

By accepting this document, the recipient acknowledges that all information contained in thisdocument or in connection with the offering is confidential and non public. The recipient alsoagrees to keep all of the information in confidence and not use the information for personalbenefit (other than in connection with the recipient's investment decision). However, therecipient’s obligation of nondisclosure does not apply to any such information that is part of thepublic knowledge. Any investor should evaluate their investment based on independentassessments of the Company and its products, business plan, operations, financial condition andother relevant factors necessary to make an investment decision that does not rely solely on theinformation presented herein. All investments will be subject to the execution of appropriateinvestment documentation which will be the basis of all contractual obligations between theparties. The Company does not make any representations or warranties in respect of theinformation provided herein.

Forward-Looking Statements

This document includes forward-looking statements and projections into the future. Theseforward-looking statements are typically subject to the influences of one or more risk factors thatmay or may not be identified in this document. Every potential investor should be aware thatactual results may vary significantly from the statements made. Moreover, the Company does notassume responsibility for the accuracy and completeness of such forward-looking statements; noris the Company obligated to update any such statements for any reason, even if new informationbecomes available or other events occur in the future. It is important to note that the Company'sactual results or activities or actual events or conditions could differ materially from thoseprojected by the Company in such forward-looking statements. The plans, strategies andintentions of management with respect to the business that the Company intends to conductmay change based on increased experience with the Company's business model, changes in theregulatory environment, technological changes, market acceptance of the Company’s serviceofferings, competition (direct and indirect), general economic trends, or other unanticipated risksor other developments. Projections concerning the Company's future results of operations arebased on a number of assumptions and estimates made by management concerning, amongother things, the timely availability of capital on acceptable terms, the results of productdevelopment and testing, marketing and sales efforts, the Company's ability to developmarketable services in a timely and cost-efficient matter, the ability to employ and train suitablyskilled employees, the costs and expenses involved in executing a business plan, and other futureevents and conditions. To the extent that actual events differ materially from management'sassumptions and estimates, actual results will differ from those projected.

Data Protection

GDPR is the General Data Protection Regulation, a sweeping legislation passed by the EU andenforceable as of May 25, 2018. GDPR maintains that data protection is a fundamental humanright and it is the responsibility of any company that controls and processes data to protect thatright. UhX has been and will always be focused on data protection and privacy as a driving forcewithin our overall mission to serve our members, providers, collaborators, and developmentpartners. UhX’s vision is to enable individuals to have full control over their all their online datawhether financial or personal health information! It’s been exciting to see the large adoption ofthese values that GDPR has caused across major sectors of the blockchain community around theworld we live in!