Take Control of Healthcare SpendingHealth Payment Systems (HPS) is the only company

that consolidates a consumer’s healthcare bills and

Explanations of Benefit into one statement.

1One Statement. One Payment. One Place to Call.HPS exists to eliminate billing confusion.

One Statement• Only company that consolidates a family’s healthcare bills and Explanation for Benefits in clear, easy to understand language

• Eliminating multiple EOBs and patient bills that are received at different times

• Statement delivery via consumer’s communications preference: paper statement or online

One Payment• Credit card-like statement enabling one payment to pay all providers that shows exactly what to pay.

• One payment for all providers with multiple payment options online, mail or by phone

• Payment plans available with 0% interest

One Place to Call• Customer Care available to assist with billing questions via phone, email or live chat

• Multilingual advocates available for assistance

• Proactively call new users to introduce them to the SuperEOB®

Who DoesThe Work

MedicalEvents

Patient Experience

BillingProcess

PCP Physical, referral to Specialistfor the problem.

Specialist examinesproblem, orders biopsy.

Specialist tells Patient about biopsy results, refers Patient to Surgeon at Hospital for procedure.

Surgeon repeats biopsy, examines patient, explains procedure.

Surgeon performs procedure with assistance from 2 Anaesthsialogists, and post-procedure biopsy.

Surgeon examines patient, procedure is successful.

Problem Awareness PCP Exam Specialist Exam Pre-Procedure Procedure Post-Procedure Bill Resolution

Awareness of a problem, feeling unwell, unable to return to good health. Schedule appointment for exam with PCP.

8/15/15 10/29/15 12/8/15 2/5/16

2/10/16

2/10/16

12/23/15

12/15/15

1/7/16 1/26/16 2/18/16

3/3/16 3/22/16 4/22/16

5/1/16

Specialist

PCP Exam

10/29/15 11/25/15Claim is approved, the PCP is paid

12/15/15

12/18/15

EOB

No bill is sent to the Patient

My co-pay covers most things when I see my PCP.

$25

Hospital Surgery

1/2/16Hospital Lab send Claim to Insurer

1/22/16Claim is approved, the Hospital Labis paid

1/24/16Hospital sends monthly Bill to Patient

1/26/16

1/26/16

1st Bill: $253.56 Pre-proc biopsy

PCP

Hospital MD Team

This problem is not going away. I haveto see my doctor.

I can’t get an appointment with a specialist for a month! I hope this problem’s not serious.

Now I’m really nervous. I haveto wait for the biopsy results.

I need surgery assoon as possible! What’s the besthospital? Whatare they goingto do to me?

The surgeon was very reassuring.I think this is going to be okay.

Here comes thebills. I don’tunderstandthe description.

That went well. Idon’t have to stayovernight.

I survived surgery.Let’s find out how much this is going to cost me.

Can’t tell you now, we’ll call you backin a few days.

Insurance didn’tcall me back. Ialready have one bill from the hospital that's due in 2 days. Ibetter pay it now.

The hospital charges $20,000 butthey are only allowed to charge$3,190. You will have to pay this amount. Along with othercharges this will take you over your $4,000 deductible.

Specialist Exam

12/8/15Specialist Lab send Claim to Insurer

12/18/15Claim denied, Provider ID was missing

1/2/15

EOB

Claim is then resubmittedto Insurer

3/5/16Specialist and Lab send Bill to Patient

3/10/16

3/10/16

Billed: $284.82 Paid with with credit card, sent in FSA form for reimbusement.

2/12/16

EOB

2/15/16

2/15/16

1st Bill: $253.56 Paid on Hospital portal

I called the doctor’s billing office. I called the FSA manager. I haven’t see a bill yet.

Why did it take 3 months to get this bill?

Lab

12/15/15Outside Lab send Claim to Insurer

12/20/15Claim is approved, the Lab is paid

1/12/16Outside Lab sends Bill to Patient

1/15/16

1/15/16

Billed: $72.30Not paid

2/25/16Payment on FSA card is denied

3/2/16Resend FSA claim form, uploaded to Third Party Portal

Yikes, I can’t use the card to pay for an expense that occurred during the previous year.

The money’s been removed from my 2015 FSA so I guess I did it right.

1/7/16Hopital send Previsit claimto Insurer

1/8/16Claim denied, lacking referral letter code

1/10/16Claim is then resubmittedto Insurer

1/22/16Claim is approved, the Hospital is paid

Claim is approved, the Hospital is paid

2/5/16Hopital sends Procedure Services Claimto Insurer

2/7/16Some service claims are denied for coding errors

2/15/16Claim is then resubmittedto Insurer

3/20/15Hospital sends monthly Bill to Patient

2nd Bill: $667.95 for pre-proc visit and proc services

3/22/163/18/16All Claim are finally approved, the Hospital is paid

2/5/16Hopital sends Procedure Services Claim to Insurer

3/21/16

EOB

4/20/15Hospital sends monthly Billto Patient

3rd Bill: $3,858.32 for pre-proc visit, proc services & facilities

Check: $1,642.88 appears from Third Party

4/22/16

Where did this money come from? What’s it for?

Now I have to figure out how to pay this bill!

3/21/15 3/21/15Deductable is Maxed out. Check is issued from HRA Account

This is not what I was told to expect. What’s going on now?

I received great care but I still don’t know what it will cost me.

Specialist

Diagnostic Biopsy

Billing Stream 1PCP

Billing Stream 2Specialist

Billing Stream 3Lab

Billing Stream 4aLab

Billing Stream 4bServices

Billing Streama 4cFacilities

Pre-procedure Biopsy

Assisting Diagnostic Biopsy

Post-procedure Biopsy

2/15/16

2/15/16

Insured Adult, Urban SettingProblem: Skin growth; Diagnosis: Skin cancer; Treatment: Skin Surgery

Patient Journey Map

Who is this bill from? I’ve never heard of this place or this doctor!

Why was the claim denied? Will I have to pay it later?

$284.82

I still haven’t seen a bill yet. I need to pay before 3/15 to use money from my 2015 FSA.

$50 $0 $0 $0

$72.30 $72.30

$253.56$253.56

$667.95

$3,858.32

Hospital MD Hospital MD

Okay, I’ll just pay it with my FSA card.

This journey map traces a patient’s experience of a single healthcare event over a nine-month period. Most of the actors and institutions represented in the Ecosystem Diagram play a role in this Patient Experience.

The experience follows a common path through the US healthcare system: patient sees her Primary Care Provider (PCP) for a problem, PCP refers her to a Specialist, the Specialist orders diagnostic tests, the Patient is referred for surgery after a positive diagnosis, the diagnostic test is repeated by the Hospital, the Patient meets with the Surgeon, the pro-cedure is performed by a Hospital Team, and the Patient has a post-procedure exam with the Surgeon. There are no significant errors and no medical complications represented in this journey.

This healthcare experience triggers six di�erent billing streams involving claims and payments and bills between the Insurer, the Patient, PCP, Specialist Practice, Labs, Hospital system and a Third Party administering the Patient’s FSA/HRA accounts.

This journey map is provided as an example. There are a multitude of variations that a patient could experience in their medical billing journey and all of the possible variations are not represented here.

Patient Facing

Is it over now or are there more surprises? Should I expect another bill for that last visit?

Claim is approved, the Specialist and Lab are paid

2nd Notice: $72.30Paid over the phone with FSA card

2/15/16Claim appears to be approved

Problem Awareness Primary Care Physician Exam Specialist Exam Pre-Procedure Procedure Post-Procedure

Who Does the Work

Medical Events & Patient Emotional Experience

Patient Journey Map Patient: Insured Adult, Urban SettingProblem: Skin growth; Diagnosis: Skin cancer; Treatment: Skin Surgery

I can’t get an appointment with this dermatologist for a month!

I need surgery assoon as possible!What’s the besthospital?

There’s no way I can pay this bill.

I have to see my doctor.

12/15/15Patient receives SuperEOB® text message and email alerts

PCP Specialist Specialist Hospital MD Hospital MDHospital MD Team

�

��

�� �

� ��

�

��

$

$ $

$$$

� ��

Billing Process

Patient Billing Experience

Satisfied

Frustrated

Provider Claims and Payment Experience

$25$50

$0$0 $0

Diagnostic biopsy Assisting diagnostic biopsy Pre-procedure biopsy Post-procedure biopsy

11/9/15Provider sends claim to HPS- Specialist exam and diagnostic biopsy

11/25/15Provider sends claim to HPS- Assisting diagnostic biopsy

1/11/15 HPS pays provider in single payment

2/5/15 HPS pays provider

2/25/15 HPS pays provider

�

��

� ��

�

I’m nervous. I have to wait for the biopsy results.

��

��

The surgeon was reassuring. This is going to be ok.

So much easier now to pay medical bills.

I’m grateful I had someone to help guide me with my expenses.

Patient pays online with HSA card

Patient pays online with HSA card

1/15/15

Patient receives SuperEOB®12/15/15

Patient receives SuperEOB®• $253.56 Biopsy• $667.96 Exam

Total amount due = $921.52

$25 PCP exam copay

$284.82 Specialist exam and diagnostic biopsy$72.30 Assisting diagnostic biopsy

Total amount due = $382.12

• Biopsy• Exam

Total amount due = $3858.32

These satisfaction scores look good.

Patient calls HPS Customer Care Advocate• HPS contacts hospital and � nds that

patient quali� es for � nancial assistance. • Amount due is adjusted to $1800.• Patient is set up on HPS payment plan.

2/15/15

Patient receives SuperEOB®

10/29/15Provider sends claim to HPS- PCP exam copay

11/30/15 HPS pays provider

12/7/15 HPS pays provider

12/23/15 HPS pays provider

12/8/15Provider sends claim to HPS- Biopsy

12/14/15Provider sends claim to HPS- Exam

1/8/15Provider sends claim to HPS- Biopsy

1/28/15Provider sends claim to HPS- Exam

�

��

10/29/15

PCP Physical, referral to specialist for the problem.

10/30/15

Patient searches HPS online transparency tool for an alternate dermatologist.

11/9/15

Specialist examinesproblem, orders biopsy.

11/25/15

Specialist explains biopsy results, refers patient to surgeon.

11/30/15

Patient searches HPS online transparency tool for procedure pricing.

12/8/15

Surgeon repeats biopsy, examines patient, explains procedure.

1/8/16

Surgeon performs procedure with assistance from 2 anesthesiologists,and post-procedure biopsy.

1/28/16

Surgeon examines patient,procedure is successful.

8/15/15

Awareness of a problem, feeling unwell. Schedule appointment for exam with PCP.

I’m thankful I’m cancer-free.

View HPS Journey Map

The Way Healthcare Should Be

HPS addresses top consumer concerns1 associated with the medical billing experience.

1 According to “A Bill You Can Understand Research Report,” May 6, 2016. Mad*Pow.

Confusion eliminated with HPS

Streamlined experience

No more EOBS and patient bills coming at different times

Leverage transparency platform to find quality doctors and estimate pricing

Receive one monthly consolidated bill for all services that month

Making the Healthcare Billing Experience Easier to Understand

SuperEOB + HPS Online Access

Your Healthcare Transaction Summary

Account #1234Statement Number

Statement Period

Payment Due Date

1458923

12/11/2015 - 1/10/2016

2/10/2016

Total Amount Due $2,575.92

Account Summary

Payments & Adjustments

Payments Plan Summary

PREVIOUS BALANCE LESS PAYMENTS (-) LESS ADJUSTMENTS (-) SUBTOTAL (=) NEW CHARGES (+) AMOUNT DUE

$1,234.16 $1,000.00 $0.00 $234.16 $2,381.76 $2,615.89

PAYMENT DUE DATE AGREED PAYMENT AMOUNT PAYMENT PLAN BALANCE

2/7/2016 $200.00 $234.16

DATE PAYMENT TYPE DESCRIPTION PAYMENT/ADJUSTMENT

Your Previous Balance $1,234.16

12/15/2015 Payment - Other Health Savings Account Payment 800.00

12/15/2015 Web Payment - Credit/Debit Web Credit Card Payment received 200.00

Total Payments & Adjustments $1,000.00

In addition to the new charges listed in your Account Summary, HPS shows an active payment plan with a previous balance. Please contact Customer Care at 888.477.7968 for any questions.

Financial Assistance AvailableYou may qualify for fi nancial assistance through your provider. Visit hps.md/fi nancialhelp or contact 888.477.7968 for details.

Other Insurance CoverageIf you or a dependent on your health insurance plan have secondary health insurance, please complete the section below with other insurance coverage information and return in the enclosed envelope. You may also contact Customer Care at 888.477.7968 to update this information. If your secondary insurance information is not updated, you will continue to receive a SuperEOB and be responsible for payment.

Detach Payment Coupon Here

If any of the following has changed since your last statement, please indicate

First

City

Address

Telephone( )

Name of Secondary Insurance

Claims Address

Policy Number

Dependents Covered Under Secondary Insurance

Middle

Group Number/Name Eff ective Date

Phone Number

State

Email Address

Last

Policy Holder

Zip

Marital Status¡ Separated ¡ Divorced ¡ Widowed

¡ Separated ¡ Divorced ¡ Widowed

¡ Single ¡ Married

Please allow 5 to 7 days for delivery and processing when sending payment by mail.

Account #1234Statement Number

Statement Period

Payment Due Date

Previous Balance

Less Payment (-)

Less Adjustments (-)

Subtotal (=)

New Charges (+)

Deductible Balance

Health Savings Account Balance

Account Summary

Additional Benefi ts Information

Bill Wright1234 Sample StreetTest, WI 53202

Detach Payment Coupon Here 118711-14

Your SuperEOB® Invoice

Account #

1,234.16

1,000.00

0.00

234.16

2,341.76

550.00

1,100.00

1458923

12/11/2016 - 1/10/2016

2/10/2016

Total Amount Due $2,575.92

Statement Number

Statement Period

Payment Due Date

Please make checks payable to HPS & send to:

Health Payment SystemsPO Box 1450Milwaukee, WI 53201-1450

00000000000000000000000000000000000000000000000000000000000

Member Name

Pay by check or debit/credit card.

Bill Wright

¡ Visa ¡ Mastercard ¡ American Express ¡ Discover

I hereby authorize Health Payment Systems to charge the above Credit Card or Debit Card.

Card Number

Signature

Security Code Exp. Date

/

¡ I have an address correction. See reverse side for details.

1234

1458923

12/11/2015 - 1/10/2016

2/10/2016

Total Amount Due

Amount Enclosed $

$2,575.92

Questions?Customer Care is available for assistance.

Call 888.477.7968Monday - Thursday 7 a.m. - 8 p.m. CT

Friday 8 a.m. - 5 p.m. CT

Saturday 9 a.m. - 1 p.m. CT

Email customercare@hps.md

You may qualify for fi nancial assistance through your provider. Visit hps.md/fi nancialhelp or contact 888.477.7968 for details.

Additional Payment Options

Pay Onlinehps.md/pay-now

Pay By Phone 888.477.7968

Financial Assistance

Also Includes:

• Payment plan summary

• Deductible balance

• HSA balance

• Financial assistance information

• Easily recognized headings and summary data

• Appeal language

• Understandable glossary of definitions

• Clear descriptions of services

SuperEOBOne monthly statement for an entire family is delivered with both EOB and patient invoice data.

View SuperEOB

Account Summary

Last Statement Balance:

Last Statement Date:

Total Payments Since Last Statement: (–)

Current Account Balance:

Payment Due Date:

$322.37

March 10, 2015

$322.37

$0.00

April 10, 2016

Summary

Feature Highlight

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Healthcare Transaction Summary

Payments Claims Statements Account Settings

Karen WrightAccount & Settings

Log Out0 NewMessages

$ Make Payment

$ Make Payment

View Last Statement

Total Amount Due: $0.00

View Payment Details

Pending Claims

4/6/2016

4/6/2016

3/26/2016

3/18/2016

Bill Wright

Karen Wright

Ben Wright

Katie Wright

St. Mary's Health Center

Medical Group

Medical Group

Orthopedic & Sports Medicine Specialists

OWEPROVIDER CLAIM #PATIENTSERVICE DATE

$0.00

$108.75

$171.97

$253.08

189774321

167758434

144722842

174589772

ContactInformation

i

• Make a payment, view claims history and transactions - drill down for details

• Multiple payment options: HSA or FSA card, credit/debit card, bank account, PayPal

• YouCaring: Invite friends and family to contribute to your healthcare expenses through crowdfunding

• Receive text or email alerts

• Configurable marketing message section

HPS Online AccessCustomers securely access SuperEOB and make payments.

Summary

New Healthcare Services & Charges

Payments Claims Statements Account Settings

Bill WrightAccount & Settings

Log Out0 NewMessages

$ Make Payment

4/6/2016

4/6/2016

3/26/2016

3/18/2016

3/12/2016

3/6/2016

2/26/2016

2/18/2016

2/12/2016

Bill Wright

Karen Wright

Ben Wright

Katie Wright

Bill Wright

Karen Wright

Ben Wright

Katie Wright

Karen Wright

St. Mary's Health Center

Medical Group

Medical Group

Orthopedic & Sports Medicine Specialists

St. Mary's Health Center

Medical Group

Medical Group

Orthopedic & Sports Medicine Specialists

Medical Group

OWEPROVIDER CLAIM #PATIENTSERVICE DATE

$0.00

$108.75

$99.90

$253.08

$0.00

$108.75

$171.97

$253.08

$36.41

189774321

167758434

144722842

174589772

129776621

182758218

154721794

149582183

128160641

ContactInformation

i

Claims from the last 30 days (0 items) All Claims (37 items)

• List of all services for all family members

• Clarity on amount owed for which family member

• HIPAA compliant so the user is unable to see claim detail without consent per regulations

• PCI compliant

• Currently undergoing HIPAA HITRUST HiTECH certification

HPS Online AccessManage Healthcare Expenses with Confidence and Ease

Export

3/26/2016 Ben Wright Medical Group $99.90144722842

Medical Office/OP VisitsName of Patient: Bill Wright

Relationship to Insured: Subscriber

Service Rendered on: March 26, 2016

Service Rendered through: March 26, 2016

Provider: Medical Group

Service Code: 99202

Office or other outpatient visit for the evaluation and management of a new patient, which requires these 3 key components: • An expanded problem focused History;• An Expanded Problem Focused Examination;• Straightforward Medical Decision Making. Counseling And/Or

Coordination Of Care With Other Physicians, Other Qualified Health Care Professionals, Or Agencies Are Provided Consistent With The Nature Of The Problem(s) And The Patient’s And/Or Family’s Needs. Usually, The Presenting Problem(s) Are Of Low To Moderate Severity. Typically, 20 Minutes Are Spent Face-To-Face With The Patient And/Or Family.

Remark Codes:

Amount Billed:

Non-Covered Charges:

Provider Discounts:

After Discounts:

Insurance Paid:

Deductible Amount:

Co-Pay Amount:

Co-Insurance:

Patient Owes:

TOTAL:

$258.00

$0.00

$96.92

$161.08

$0.00

$81.18

$20.00

$0.00

$99.90

$99.90

Estimate the cost of healthcare before receiving serviceAbility to integrate to transparency tools

• Find quality doctors

• View estimated costs for services

• Make an appointment

White LabelingWhite label and single sign-on opportunities are available for integration into Health Plan/Systems consumer online/mobile access.

“The SuperEOB makes me feel confident that I’m doing the right thing, paying who needs to get paid. It’s easy, it’s simple, it makes my life a lot easier. Whoever designed this had me in mind - the working

mom who has no time to go through bills and try to figure out what’s going on. It took a weight off my shoulders, I love it.”

- Beth, HPS User

HPS CUSTOMER ENDORSEMENT LETTERS

PRESS RELEASE

“That’s the way healthcare should work.”

- Dean Gruner, President & CEO, Thedacare

“Love that all the doctors and hospital are on one bill. It’s hard to keep track so it’s nice to have it on one no matter where we go.”

- Michelle, HPS User

View ThedaCare Letter

View Wheaton Franciscan Letter

View Press Release

What People Are Saying About HPS