An automated system that deeply engages healthplan subscribers in the process of choice and decision, provides genuine and helpful interactive decision tools and reliable medical information, realigns financial incentives to encourage maximum utilization efficiencies, enables reconnection of the patient-doctor relationship and, ultimately, provides permanent/fully-portable health insurance protection effectively ending the reliance on one's employer for health insurance coverage.

Plan Sponsors will see base premium reductions in the range of 20 - 50% in comparison to traditional healthplans. The premium differential is then used to fund the Plan Member's Medical Investment Accounts (MIAs)-an HRA funding vehicle. At the Plan Sponsors discretion, a slight reduction in MIA allocations will significantly reduce their overall healthplan expense. Additionally, Plan Sponsors will save considerable sums in the reduction of administrative expense, both from a human resources perspective and in direct reduction in healthcare costs. Lastly, because the MHS is a highly sustainable and balanced system, future healthcare premium increases will be substantially less than traditional healthcare models, and should more closely parallel general inflation factors.

Yes. Numerous organizations have indicated initial successes in cost reductions with CDHC programs. Recently, Humana, Inc. reported that their CDHC plans have slowed premium increases to 5% versus their standard plan rate increases of 14%.

The MHS is unique to the healthcare industry. It offers benefits unlike any other:

1. Coverage permanence and portability
2. A three dimensional bridge option feature
3. True group consolidation
4. An incremental implementation process
5. Unique credit bridge offering
6. True defined contribution health benefits mechanism

No. Much of the savings realized to Plan Sponsors is generated by consolidation of their entire workforces into a large predictable risk pools. Additionally, The MHS is a closed system, and necessarily relies on the contractual participation and service delivery of each of its participants.

Yes. Participating insurance Carriers offer their own Preferred Provider Networks, but Plan Sponsors may replace or augment existing networks with proprietary offerings.

Consolidation of the Plan Sponsor's entire work force enables far greater efficiencies then offering numerous competing traditional healthplans which fragment the given risk pool.

For Plan Members selecting the MedInvest option (HDHP coverage), a unique credit bridge system eliminates any potential for large out-of-pocket costs typically associated with HDHPs. Approved medical expenditures that are credited to Plan Member's accounts are paid down by future Plan Sponsor allocations to the Member's MIA. After a credit balance is extinguished, the Member's MIA will again begin to accumulate a positive balance.

Similar to the 401(k) pension revolution of the 1990's, defined contribution healthplans provide a level of personal independence, empowerment and freedom that defined benefits programs cannot. More than ever before Plan Members desire permanent healthcare protection that exceeds COBRA and HIPAA's limited protections. Defined contribution benefits programs provides a mechanism to deliver health benefits, while freeing Plan Sponsors from the onerous burden of ongoing healthplan negotiations and renewals.

The MHS boasts an exceptional array of online decision tools for Plan Sponsors and Plan Members alike. These tools are designed to closely proximate a user's unique and specific needs, and provide a detailed graphical analysis for the users consideration.

Benefit changes are always difficult. Radical benefit changes are destined for failure. This is why the MHS is designed with unparalleled flexibility in plan design, and provides a "graduated" implementation approach. Plan Sponsors may offer up to three front-end options to Plan Members; HDHP, Indemnity plan, and a PPO type plan. Plan Members will essentially see the same options (less HMOs) that they are used to choosing from in the past. While the MHS offers the appearance of three healthplans to Plan Members, it remains, in fact, a highly efficient consolidated single healthplan.

• Engaged Plan Members in free-market healthcare system will elicit positive change
• Empowered Plan Members will have resources and information to take action
• "Ownership" of coverage, independent of employment status, will liberate Plan Members
• Personal financial growth incentives will rectify inefficiencies in current system and serve as the ultimate cost containment mechanism