National Health Options is a comprehensive, low-cost medical assistance program including all medical providers. Offers membership based pharmacy, dental, medical and hospitalization programs starting as low as $7 per month Click to edit Master subtitle style for individuals and families.
What is National Health Options
National Health Options provides our nation’s uninsured and underinsured individuals with unprecedented access to both insured and non-insured healthcare programs. Highlights: – Comprehensive portfolio of medical services and Guaranteed Issue, A Rated, Immediate Coverage limited liability medical plan for individuals, groups and associations. – Telephonic and Web based sales, enrollment and service differentiation – Eight current product options designed to fit any need or budget. Post – sale consumer advocacy to assist with all healthcare matters. – Private labeled capabilities and customized options according to your needs Substantial commission share
Business Background Developed and backed by The Lungen Group •
The Lungen Group leverages market expertise and analysis, thought leadership and industry perspective and to create innovative and strategic solutions that drive revenue growth.
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Employs expertise with deep healthcare payer knowledge to cost-effectively drive profitable revenue on behalf of service providers
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Support business development initiatives with operational project management based on actual experience working in the payer, provider and service sectors
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A focus on specialization ensures that every relationship fostered is efficiently and costeffectively implemented with all party's expectations optimally satisfied
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The Lungen Group assembled partners and solutions to create what is the unique promise of value that is National Health Options
46 Million Uninsured Americans
Sources: WLP estimates; Dubay, Holahan, Cook, “The Uninsured And The Affordability Of Health Insurance Coverage,� Health Affairs, 11/2006; U.S. Census Bureu, 2009.
NHO’s Mission • To assemble the nation’s best affordable healthcare assistance program with options that help eliminate the widening disparity in access to quality dental and medical care • To ensure that these options address the daily challenges faced by the individuals and families we serve and offer information and support in a clear, fair and equitable manner • To include options which emphasize preventative healthcare and improved quality of life • To treat our members with dignity, empathy and respect while supporting efforts to better their access to quality healthcare
Solutions •
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Limited Liability Plans –
cost effective
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A rated
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Guarantee issue/immediate coverage
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viable solution
Wrap-around Value Services –
Debit Card
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Pharmacy Card
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Wellness Platform
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Telephonic Physician Access
Delivery managed by NHO –
No administrative or start-up headaches
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Structured for direct contact with the employee
Substantial incremental revenue –
Commissions can be earned by your organization
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Fully accredited methodology
Available Products Insurance Services: Short-term Medical Plans, Guaranteed Issue Limited Medical/Indemnity Plans, InHospital, Surgery, Diagnostic, Labs, Ambulance, ER, Wellness Visits Health Care: Dental, Vision, Pharmacy, Physician and Hospitals, Chiropractic, Podiatry, Hearing Aids, 24 Hour Nurse-line, Diabetic Supplies, Durable Medical Supplies, Patient Advocacy Wellness: Alternative Health & Medicine, Mental Health Counseling, Smoking Cessation, Vitamin & Nutritional Supplements, Diet & Weight Loss, Health Coaching, Healthy Habits Web Site, Gastric Banding Financial Services: Accident Insurance, Emergency Air Transportation / Air Ambulance, Tax Preparation & Planning, Legal Services, ID Theft Insurance, Medical Financing Travel & Leisure: Roadside Services, Emergency Travel Assistance, Repatriation, Shopping & Consumer Services, Car Rental & Hotel Discounts, Concierge Services, Travel and Entertainment Services Family Life: Long Term Care, Child & Elder Care, Funeral Planning, Personal Health Record, EDoc, Teladoc, Pet Discounts
Consumer Experience • Seamless - web based or telephonic service • Simple • Bilingual
Print Cards for immediate use
New Customer Inquiry
Biling ual Supp ort
Web Phone
Product/ Service Selection
New member packet mailed
Consumer Experience
• One phone number • Post sale advocacy to assist with all healthcare issues I need to find a doctor.
Where can I get my lab work done?
I thought my surgery was discounted. Can you help me ?
One Phone Number – NHO Healthcare Advocate
I want to add a family member to my plan.
Can you find me a Spanish speaking doctor?
My doctor prescribed antibiotics. How much will I pay?
How do I file a claim after an accident? How much will my dental visit cost?
Operations • One number call center for sales and service • Bilingual healthcare advocates • Payment triggers fulfillment process – custom kit built each time based on purchase elections • Enrollment files create eligibility that is routed to discount and insured product partners • Payments and claim processing routes payment to partners based on member elections
Co m pa ss
Co ns u m er
N H O
Package within Value Proposition
Group increases revenue, adds cost free coverage and increases employee satisfaction
Purchase Monthly auto payment Print materials online
Enrollment kit fulfillment
Monthly fee disbursement
Service Inquiry
Central call center for all service and sales inquiries
Insured product claim
Insured product claim routing
Add to eligibility file
Co m pa ss
Receive eligibility notification
Receive monthly fee where appropriate
Insured product claim processing and payment
Fulfillment and Billing Resources •
Fulfillment –
State-of-the-art, in-house fulfillment services • Ability to produce 50,000 fulfillment pieces per eight hour shift
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Design, production and mailing services • Enrollment brochures and booklets • Enrollment notifications and welcome letters • Membership booklets and ID cards
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Multiple branding options • Private label • Co-branded
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Detailed reporting and tracking capabilities
• Billing − Group Billing − Individual Billing » Check » ACH » Credit Card − eCheck − Commission payments − Order processing and payment processing − Member reporting − PCI compliant
Revenue Opportunity •
Revenue share vehicles designed to drive revenue back to you, where applicable
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Discount medical programs do not require “agency” status for revenue share
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Partners with in house agencies can receive commission premium on medical products
Next Steps • • • • •
Designate implementation team Identify initial group for trial/beta LOI Revenue share options discussion What is the balance of the “to do’s”?
Contact National Health Options Suite 340 100 South Bedford Road Mt. Kisco, NY 10549 www.nationalhealthoptions.com Office: (914) 304 - 8127 Fax: (914) 304 – 8137 Richard Lungen President richardl@nationalhealthoptions.com Charlie Falcone Chief Operating Officer charlief@nationalhealthoptions.com