businessto businessppp jun 2012
TRANSCRIPT
U.S. Healthcare Today
• Healthcare in the U.S. is broken, and will likelyget worse before it gets better.
• Over $2.5 TRILLION will be spent in the U.S.on healthcare this year alone!
• Expected to grow to over $4.5 Trillion injust 3 years!
Accessibility to quality care3
2
1 Cost of Healthcare
Quality of Care
Big Three of Healthcare
Unfortunately, in the U.S., these elements are in direct competition with each other!
Everyone fits into one of two categories:
• They have some coverage foryou and your family.
• There is monthly premiumbased upon multiple criteria:age, health, gender, pasthealth issues…
• There is an annualdeductible. (this is an out- of-pocket expense)
• They’re somewhat protected!
They Don’thave
Insurance
They haveInsurance
• No premium, but NOCoverage.
• You have to pay CASHfor all medical services.• IF you can get them!
• This leaves your familyand your finances veryvulnerable!
AFFORDABLE HEALTHCAREFOR EVERYONE IN THE U.S.?
• Current estimates are that over 50 MillionAmericans are not covered by any form ofhealth insurance.
• These numbers are most likely SHORT of the realnumber due to the mass groups of self-employed,under-insured, and other factors.
• Those who actually do have insurance arepaying HUGE premiums and typically have HIGHdeductibles to meet annually.
Health Insurance Issues
• Current average costs for a family of four, with an80-20 co-pay after deductibles, are as follows:– Average annual deductible is around $2500– Average monthly premium is about $1255
• If employer sponsored, avg. of 30% is paid by employee– Average wait period before use is 60 days– Clauses for Pre existing, age, gender, etc…– Deductibles and premiums are expected to rise by 25%-
35% (each) over the next 3 years.– Estimates are that 30% of ALL US companies will
completely eliminate “Employer Sponsored” healthcare.
When your employee or their familymember is really ill, what do they do?
1. Call a Primary Care Physician?2. Go to a Walk-In clinic and sit for hours in a
small room with more very sick people?3. What if it is late at night, or if they are
traveling out of town?4. Is it a trip to the nearest Emergency Room?
Some Major issues we face today
Primary Care– Severe shortage of primary care physicians.
• Over 25,000 short now, est. to 130,000 by 2020• Over 15,000 short of RN’s now, to over 200,000 by 2020!
– Average wait for an appointment for a primary carephysician in US is 22 days! (if they have a PCP)
– Average cost for the visit with Insurance is $45– Without insurance it could be $125 or…– If there is no insurance, they probably won’t get an
appointment!
Some more issues…
Walk-in Clinic or Urgent Care– Shortage of primary care physicians.– Average wait for a walk in clinic is 2-3 hours!– Average cost for the visit is around $125.– You will most likely visit with a LPN or RN.– This can go against your insurance deductible,
but is cash out of pocket.– You will likely pay retail for your prescriptions.
Almost 70% of all E.R. visits areNOT life threatening emergencies.
Emergency Room Care– Severe shortage of ER physicians.
• 27% of ERs closed in 2011 due to this and financial issues.– Average wait in an ER is 6-8 hours!– Average cost for the ER visit is over $1500.– This can go against your insurance deductibles,
but is still cash out of pocket.– If you have no insurance you will be billed
immediately, and have few options to resolve.• OVER 60% of all bankruptcies are caused by
unpaid medical bills.
NOW THERE’S A CHOICE, TIMELY AND AFFORDABLEACCESS TO QUALITY MEDICAL CARE,
WHETHER YOU HAVE INSURANCE OR NOT!!
Your Name Here…
Call MD Plus NOT INSURANCE!
We are…A Concierge Tele-medicine company withan outstanding Discount Medical Programand Prescription discount service.
Registered Nurses and Board-CertifiedPhysicians are on call 24/7/365.
We offer 3 plans to serve your needs.
Basic Plan
You’ll have 24 / 7 /365 access to Registered Nurses andBoard-Certified Doctors! Call as often as you like with questions orhealth concerns.
Safe and Secure Storage: Your data will be stored withinFILE MD, our HIPAA-compliant Electronic Medical Record (EMR)for future use by you and/or your approved Physician.
Prescriptions*: After a phone consultation with a Board-CertifiedPhysician (consultation fee of $35.00), you will have the opportunityto have prescriptions called into your local pharmacy.
Discount Prescriptions, Save up to 70% on brand name andgenerics at over 60,000 Pharmacies nationwide.
* Prescriptions: (non-narcotic), with sufficient information, where allowed by law
Ultimate Plan
The Basic Plan, plus…Over 500,000 Doctors & health professionals within. , a UnitedHealth Group Company.
• Vision Care• Orthodontics• Alternative Care• Massage Therapy• Physical Therapy• Imaging & Lab Work
X-rays, MRI, CT Scans• Health & Fitness
• Primary Care & Specialists• Dental Care• Chiropractic Care• Behavioral Health• Psychology & Psychiatry• Infertility Treatment• Weight Loss memberships
V.I.P. Plan
Ø No-Cost Consultations with our nationwidenetwork of physicians 24/7/365 *Ø A premier I.D. Theft Protection program
Ø Discounted Legal Services
Ø Our invaluable Patient’sAdvocacy Protection Program
ALL THE ELEMENTS OF THE ULTIMATE PLAN,
*Included Consultations are for Call MD Plus telemedicine services and may be limited to 12 per year and nomore than 2 in one calendar month.
Plus,
Utilizing our products as an addition toa company’s current benefits package,can help negotiate lower premiumswith higher deductibles and still havesome protection for employees!
Thank you for your time and attention!Please contact the Associate that invited you
to this presentation for answers to anyquestions that you may have!
Helping America turnHealthCare into WealthCare!