Revolutionizing Payment Acceptance in Healthcare

1. Revolutionizing Payment Acceptance in Healthcare

2. Higher patient A/R, longer collection cycles and increased write offs. Regain “Elite” control Rising healthcare costs Consumer-driven coverage Higher deductibles

3. PATIENT BAD DEBT STATISTICS 36% of Patients have a Balance of 60 Days or More Past Due Currently $60 Billion in Patient Bad Debt (5% of Patient A/R) 2005 - $250 Billion Out-of-Pocket Payments by Patients By 2015 Expected Rise is 68% or $190 Billion = $420 Billion 2-4% increase in bad debt (as a % of revenue) for providers by 2012 Just a 1% increase in bad debt with a 4% operating margin equals a whopping 25% profitability decrease for the average practice. SUGGESTED SOLUTIONS Provider-Centric Approach that includes: Automated Payments Discounts for early or prompt payment Convenience fee for payment plans Payer to provider electronic transactions (claims, payments) Information/Data Integration The McKinsey Report Source: The McKinsey Report June 2007

4. While others are simply THINKING about it… ….Elite Healthcare Processing has it!!! Introducing A-Claim™

5. Point of Service Collection • Typical Provider Collection Strategy • Cash in-person • Checks in-person and via mail • Debit/Credit Card Visa/MasterCard brand via mail, phone & in-person • SUGGESTIONS FOR IMPROVEMENT • Collect Deductibles and Co-Pays at time of service at ANY location • Terminal and/or Virtual Terminal Based • Web Initiated card payment by patient via website • Automate collection of patient financial responsibility at the POS by collecting payment information for delayed payment & payment plans • Expand card types taken (Discover, American Express, JCB) • Electronic Check – Available Soon In 2008 • Checks are sent electronically to the bank for deposit • Saves time, reduces “float” and NSF cycle time

6. Innovation – Enhanced Merchant Processing Front-End & Back-End Functionality • Eligibility Checking (including remaining deductible) • Collection of Co-Pay at POS • Electronic Collection of Patient’s Deductibles, Out of Pocket Expenses, Co-Insurance %’s, including 100% Self-Pay Patients THE TWIST • Collect patient payment data at the front-end for back-end payment • A UniqueMethodology & Technology Blended to Collect Patient Debt

7. Regain “Elite” control Real-time Insurance Eligibility Claims Adjudication Patient Payments Options A-Claim Online

8. A-Claim Modules

9. Patient checks in Instantaneous insurance eligibility check through A-Claim Patient sees physician Real-time/Delayed claim adjudication through A-Claim* Regain “Elite” control * Regional availability Card Based Payment Options Real-time payment Delayed payment Payment plan

10. Multiple Entry Options Verifone VX570 w/keyboard Virtual Terminal through any web browser ** For use when Electronic Check becomes available

11. A-Claim Features & Benefits • Benefit to Provider • Baseline of patient’s financial responsibility • Saves time & increases staff productivity • Estimate patient financial responsibility • Speeds payment of claim • Accelerates cash flow • Discounted merchant fees • Interchange management • Speeds & secures payment • Decreases statement mailing • Eliminates refunds • Product Feature • Real-Time Eligibility • Real-Time Claim (Limited Area) • Real-Time Payments • Delayed Payments

12. A-Claim Features & Benefits • Product Feature • Payment Plans • Automated Payment Capture • Multiple Terminal Options • Benefit to Provider • Secures payment at POS • Fosters patient satisfaction • Increases cash flow • Allows for forecasting • Decreases/eliminates staff time for payment entry • Shrinks collection accounts • Adapts to YOUR environment • Multiple entry modes

13. A-Claim Features & Benefits Benefit to Provider • Data integration & import capability • Custom reports in seconds • Easy financial reconciliation • User based authority levels • Chain/Outlet level reporting • Easy electronic statements • Secure patient data • Reduce fraud risk Product Feature • Excel Based Reporting Tool • Multi-Merchant, Multi-User & Multi-Location Application • Consolidated Reporting • HIPPA & PCI Compliant

14. A-Claim Features & Benefits Product Feature • User Friendly • Quick Implementation • Cost Effective Benefit to Provider • One solution for multiple tasks • Easy online administration • Staff training provided • Fits with existing processes with minimal change • 15-30 days maximum • Minimal IT involvement or resources required • Low cost hardware • Low monthly program fee

17. Elite Healthcare Processing Toll Free (888) 612-0100 Secure Fax (262) 364-2033 Email sales@elitepaymentsystems.com Web Url www.elitepaymentsystems.com Corporate Office 15417 W. National Avenue #310 New Berlin, WI 53151 Florida Office 2338 Immokalee Road #242 Naples, FL 34110 THANK YOU Elite Healthcare Processing is a division of Elite Payment Systems, LLC 2008