Healthequity, Inc. · NASDAQ:HQY
Healthequity — Investor Day (June 2016)
72 slides from Healthequity's investor day presentation, Jun 21, 2016
Slide 1: HealthEquity Analyst & Investor Day
HealthEquity Analyst & Investor Day June 21, 2016 Copyright © 2015 HealthEquity, Inc. All rights reserved. HealthEquity and the HealthEquity logo are registered trademarks and service marks of HealthEquity, Inc. Confidential and proprietary. Reproduction without express written consent is prohibited
Slide 2: Keynote by Suze Orman: HSAs – The Right Choice for Consumers
Keynote by Suze Orman: HSAs – The Right Choice for Consumers
Slide 3: HealthEquity: The HSA Leader
HealthEquity: The HSA Leader Brad Bennion – SVP of Product & Corporate Development Ashley Dreier – EVP, CTO, CIO
Slide 4: HealthEquity member account dashboard
HealthEquity John Doe (922799) Sign Out tr My Account Claims & Payments Docs & Forms Resources Account Balances ss Are you missing out on $7131.70 important HSA money saving benefits? 52% John Doe Overall Account Optimization $160150 $0.00 Resources
Slide 5: View Claims
HealthEquity John Doe (922799) Sign Out nr My Account Claims & Payments Docs & Forms Resources View Claims @ Ip 19) Sort BID: 0006 : 4/19/16 By Source: Insurance John Doe Date [vy] | + | @Resolve MF @ Details Payment Status | Oras | =, Unresolved PID: 0007 e: 4/19/16 © Insurance John Doe ate: 4/19/1
Slide 6: Claim details and payment history
Provider Name: Billing Organization: Organization ID: Billing Address: Network Status: Date Received: Claim Status: EMERGENCY 4/2016 hb Visit HealthEquity: John Doe (922799) Sign Out Dr. Jones ‘Community Hospital 987654321 580 E Hospital Way Salt Lake City, UT 84118 In 4{2912016 Partially Paid (Scro
Slide 7: Understanding CPT Codes
HealthEqui Doe (922799) Sign 3 My Account Claims & Payments Docs & Forms Resources Q contact Ta 922799-0006 Provider N: Dr. Jones U123456788 ng Orga o Community Hospital 17209 Orga 37654321 e090 Understanding CPT Codes Current Procedural Terminology (CPT) Codes CPT Code: 99282 - EMERGENCY DEPT VISIT
Slide 8: Make a Payment
HealthEquity John Doe (922799) Sign Out nr My Account Claims & Payments Docs & Forms Resources Make a Payment Choose Account ictible Met From which account would you like the money to come out of? @ HSA My Bank - My Banking Institution 11223 Main St. Salt Lake City UT 84114 ###888HHH2121
Slide 9: Make Payment to provider
HealthEquity John Doe (922799) Sign Out PE MyAccount Claims & Payments Make Payment to sears Address 2 (Make a Selection) New Provider Name Community Hospital We strongly recommend you verify the provider's address. Account Number is strongly recommended when paying 4 provider. Payment Amount Pay th
Slide 10: View Claims status
rt My Account Claims & Payments Docs & Forms View Claims @ cm + | Payment Status Unresolved Pending Resolved Provider Ka 71D: 0000 ce: Insurance PID: 0001 ce: Insurance PID: 0002 71D: 0006 Source: Insurance date: 4/20/16 it: John Doe 420/16 it: John Doe HealthEquity John Doe (922799) ider: Dr. Kamil
Slide 11: Prescription Pricing Tool
Prescription Pricing Tool Your Prescription Ox My Doctor Lipitor TAB 40MG 9 You Pay: $318.04 Drug Cost Brand, 1 tablet once = dey Retail Pharmacy: $318.04 Mail Order Pharmacy: $951.11 (3 Month Supply) Drug Information 0) || @ Add to my Medicine Cabinet > About this type of drug Payment Sta} Unresolv
Slide 12: Account balances and optimization
HealthEquity John Doe (922799) Sign Out tr My Account Claims & Payments Docs & Forms Resources Qd Contact Account Balances ss Are you missing out on $7131.70 important HSA money saving benefits? 52% John Doe Overall Account Optimization $160150 $0.00 Resources
Slide 13: Account dashboard with quick links
HealthEquity John Doe ($22799) Sign Out 3 PE My Account Claims & Payments Docs & Forms Resources Q contact a 4 Earnweliness incentives Account Balances im - HSA Available Balance $7131.70 impo \ 4 Boost your HSA before retirement HSA Contributions YTD $160150 = Seeing a doctor just got more convenie
Slide 14: Convenient, affordable online medical care
Convenient, affordable online medical care START AT $49
Slide 15: Account optimization
HealthEquity John Doe (922799) Sign Out tr My Account Claims & Payments Docs & Forms Resources Account Balances ss Are you missing out on $7131.70 important HSA money saving benefits? 52% John Doe Overall Account Optimization Resources $160150 $0.00
Slide 16: Get the most out of your HSA
HealthEquity Claims & Payments Docs & Forms Resources Get the most out of your HSA I im im 5 2% Optimize your HSA contributions John Doe Contributing the IRS maximum means Overall Account Optimization Watch "Add new horsepower to your financial plan" 3:14 Minutes 75% Complete Are you eligible to mak
Slide 17: Boost your HSA before retirement
Boost your HSA before retirement Did you know you are eligible to contribute an extra $1,000 to your HSA? Per IRS rules, those who will be 55 (or older) by the end of the current tax year can contribute an additional $1,000 to their HSA each year they are eligible to contributed leading up to retire
Slide 18: Eligible to begin investing
Healthe PR MyAccount —Claima a Paymoma = Docs Forma = Resources Account Balances cot Are you missing out on important HSA money saving benefits? 52% John Doe Overall Account Optimization Resources CONGRATS! You can now begin investing & increase your earning potential mrs RET
Slide 19: Choose an investing option
Health John Doe (922799) Sign Out tr My Account Claims & Payments Docs & Forms Resources Congratulations, you are eligible to sign up to start investing today! Advisor Auto Pilot Advisor GPS Self-Driven jonalized , wn with F funds Select Auto Pilot
Slide 20: Advisor recommended trades
ADVISOR: Recommended Trades Sells Name Money to Invest American Century Inflation Prot Bd In Metro} Vest Total Return 8: PIMCO Columbia Nicholas Artisan International Value invest Driehaus Emerging Markets Growth te Value nity P Category _ Category Edit Profile | Logout Implement Advice Current Fina
Slide 21: Mobile app login
Health Building Health S Remember Me vee ae Mertens
Slide 22: Mobile app Touch ID login
Slide 23: Mobile app account summary
Health! aw Upload Receipt | HSA $3,929.20 Investments $ 20 mea ove $0.00 (+) ADD CONTRIBUTIONS FSA (2016) $1,929.20
Slide 24: Call us / send us an email
CALLUS (866) 346-5800 SEND US AN EMAIL memberservices@healthequity.com
Slide 25: Mobile app account balances
Health! aw HSA Investments HSA 5 YT (+) ADD CONTRIBUTIONS FSA (2016) $1,929.20
Slide 26: Add Document
ADD DOCUMENT
Slide 27: Member profile
Richard Schmitt Member Id: 790553 it Healthcare Blueboo!
Slide 28: Investment dashboard
Health! DASHBOARD Investment Allocations ALTERR Investments Notices
Slide 29: Pending Trades
Health! Pending Trades © AvDTRADE
Slide 30: HealthEquity: Building Health Savings
HealthEquity: Building Health Savings”
Slide 31: Partner-branded member dashboard
HealthEquity John Doe (790553) Sign Out Account Balances — Are you missing out on HSA Available Balance $11,063.38 important HSA money saving benefits? 52% John Doe Overall Account Optimization $1500.02 0.0% YTD $750.00 $220,642.52 Resources
Slide 32: Health plan care center
San Francisco, CA new Care center Find care Past care oo a $2,000 = $11,063.38 Is a family in your future? remaining | HSA deductible balance F} Doctors Primary Care myStrength Tests Medicines More... If you are considering pregnancy, get familiar with resources that are included in your healthcare
Slide 33: Earn wellness incentives
Earn wellness incentives Your employer is offering you a variety of opportunities to earn incentives for doi things that will help you. Click "Go" below to get started today!
Slide 34: Client Transaction Details
HealthEquity My Account Claims & Payments Client Transaction Details Health Savings Account| ¥] Transaction Contributions John Dee (790553) Sign Out Available HSA Balance: $11,063.33 Balance
Slide 35: Partner account dashboard
HealthEquity John Doe (790553) Sign Out Account Balances — Are you missing out on HSA Available Balance $11,063.38 important HSA money saving benefits? 52% John Doe Overall Account Optimization $1500.02 0.0% YTD $750.00 $220,642.52 Resources
Slide 36: True View healthcare spend
TRUE VIEW? HEALTHCARE SPEND THIS YEAR FOR ME $2,500 You are $1,346 away from reaching the $2,500 deductible. The out-of-pocket maximum will be reached at $3,000. Breast Cancer Awareness Know Your Numbers Don't let the year stip by without having your ve you checked your cholesterol ately? It's ‘annu
Slide 37: Integrated 401(k) and HSA view
HealthEquity TE MyAccount ~—Cllaims & Payments Account Balances HSA Available Balance $11063.38 $1500.02 0.0% YTD $750.00 $220,642.52 Docs & Forms 52% John Doe Overall Account Optimization Resources John Doe (790553) Sign Out Q contact HP A 401k) - Get your full company match! Are you missing out on
Slide 38: Retirement account dashboard
ft Dashboard Changes/Requests Advice/Education Investments Account Balance ‘220,084 $220,084 HSA Account Balance: $11,063.38, ANAGE II Loans & Withdrawals Forms & Reports Contribution Rate Welcome, John Doe 2 % = GLogout IX RFAD
Slide 39: Partner URL priority settings
=p) * URL's will appear in the Priority cious race > Optima
Slide 40: OptimaHealth
OptimaHealth® HealthEquity John Doe 799) Sign Out My Account Claims & Payments Docs & Forms Resources Account Balances Quick Links Maximize yovr tax savings by maximizing your HSAcontribution HSAcontributionlimits: 2015 2016 Individual limit $3,350 $3,350 Family limit $6,650 $6,750 Resources
Slide 41: Member Services message tracking
‘Member Services Member Message Tracking Edit Message Message Employers Partne! LiveHealth’ ONLINE You can have a doctor by your side 24/7. To {12/31/2017
Slide 42: Incentive rules configuration
IncentiveRuleld: Copy to New \| Extract XML || Import XML (Changing this will reassign the incentive rules to a different partner/employer) Partner or Employerld: Put ID Here Program Code: Invoicing Frequency: Load Fee: 0 Overall Start Date: 1/1/2015 End Date: |12/31/2015 CO incentive Emails sent to
Slide 43: Parser code compiled
The following parser code successfully compiled using System; using System Collections: using System.Collections Generic; using System.Xml; using System.Xml.Schema; using System .Xml.Serialization: using System.|O; using System. Text: using System. Text.RegularExpressi using System.Reflection: using
Slide 44: Employer Portal contributions
Empl Portal ELEVATE lth Emplover POS Pes] noes ee eet Contribution Method | Pending Payments @ | Make Contributions | check For Errors | Warnings | Contribution Summary | Invoices | Payment Method Choose a Tax Year: Please indicate the amount of employer and employee contribution for each employee's
Slide 45: Example Employer Dashboard: Acme Corp.
HealthEquity” Building Health Savings Example Employer Dashboard: Acme Corp. HSAs and MSAs by Balance Jan 2016 Feb 2016 Mar 2016 Apr 2016 May 2016 $0 124 41 37 33 30 $0.01 - $500 443 709 780 858 944 $500 - $1,000 703 742 816 898 988 $1,000 - $1,500 866 836 920 1,012 1,113 $1,500 - $2,000 792 701 701
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Slide 47: Legal disclaimers
Legal disclaimers Nothing in this communication is intended as legal, tax, financial, or medical advice. Always consult a professional when making life changing decisions. In addition to restrictions imposed by law, your employer may limit what expenses are eligible for reimbursements. It is the mem
Slide 48: Legal disclaimers
Legal disclaimers HealthEquity, Inc., and HealthEquity Advisors, LLC a wholly owned subsidiary, do not provide legal, tax, financial, or medical advice. Always consult a professional when making life changing decisions. HealthEquity Advisors, LLC™, is a separate, wholly-owned subsidiary of HealthEqu
Slide 49: Delivering Sustainable Health Benefits to Employees
Delivering Sustainable Health Benefits to Employees Dave Adams – AVP Compensation & Benefits at Intermountain Healthcare Phil Belcher – Manager of U.S. Benefits at Eastman Chemical Moderator: Jon Soldan – EVP of Operations
Slide 50: Communications
Communications HSAs GF esrnmans uate FOR RETIREMENT 2016 communications plan FEBRUARY-MAY : Webinars Bathroom brief/digital signage + Message center * Home mailer article; NEW! Member resource site : _ M ENTS NEWIHSA quiz ¢ : SEPTEMBER-NOVEMBER : : Bathroom brief/digital signage : Message center ++
Slide 51: 2015 Eastman Investing Behavior
2015 Eastman Investing Behavior 8% 12% 43% +94%Annual $ (4,238 vs. 2,180) +63%Annual $ (4,977 vs. 3,058) HealthEquity Internal Data as of February 2016
Slide 52: Intermountain Account Growth
Intermountain Account Growth
Slide 53: Intermountain Account Balance
Intermountain Account Balance
Slide 54: Delivering Sustainable Health Benefits to Employees
Delivering Sustainable Health Benefits to Employees Dave Adams – AVP Compensation & Benefits at Intermountain Healthcare Phil Belcher – Manager of U.S. Benefits at Eastman Chemical Moderator: Jon Soldan – EVP of Operations
Slide 55: A Winning Partnership
A Winning Partnership Janet Fava – VP of Product Development of Blue Cross Blue Shield of MI John DeGruttola – SVP, Sales & Marketing of Optima Health Moderator: Steve Lindsay, SVP of Regional & Commercial Sales
Slide 56: 2016 Analyst and Investor Day
2016 Analyst and Investor Day Cragun family HealthEquity members Presented by Matthew Sydney HealthEquity EVP Sales & Marketing
Slide 57: Mission and milestones
Mission and milestones If every American family had an HSA... HOY SAUM SIOM SIOOM HSAs 6/K 2006 2016 HealthEc O
Slide 58: Expanding market
Expanding market *Devenir ** Management estimate 5 8
Slide 59: Growth model
Growth model @ Mature Penetrate | accounts partners MONETIZE CORE HealthEquity:
Slide 60: B2B2C - network partners
B2B2C - network partners HealthEquity partner network 513 Health plans Larger employers 80 513 Network Partners* Health plan sales army, brokers 340 70 33K+ 197 433 Employers* 57 270 2.2MHSAs** 140 FY14 FY15 FY16 *As of January 31, 2016 6 **As of April 30, 2016 0
Slide 61: Historical growth
Historical growth LARGE HEALTH FROM EXISTING OTHER EMPLOYER PLAN PARTNERS HSAs FY16 207,138 297,458 86% 86,029 HSAs FY15 186,463 246,951 77% 42,472 HSAs FY14 110,714 159,190 82% 35,916 61
Slide 62: B2B2C drives sales efficiency
B2B2C drives sales efficiency 590,625 475,886 $40 305,820 215,621 $30 $23 $24 FY13 FY14 FY15 FY16 HSAs sold Cost of sale per new HSA 62 62
Slide 63: Future network growth
Future network growth Health plans Large employers (by commercial lives) (by employer count) UNH, HQY AET/HUM, partners Other large CI employers Other health plans HQY partners * * Management estimate 6 3
Slide 64: Network penetration
Network penetration Consumer plan comparison tool Sample health plan marketing site 6 4
Slide 65: Network penetration
Network penetration Sample member education site HSA Design Lab for employers Open enrollment tool box 6 5
Slide 66: Mature accounts
Mature accounts Informed Consumer Spend wisely Spender Deposit & Spend Tax Savings 6 6
Slide 67: Driving maturity
Driving maturity HQY data for CY2015 – Included: only accounts with contributions 6 7
Slide 68: Ecosystem growth
Ecosystem growth @ through integration MANAGE SPEND HEALTH « WEALTH HSAs INTELLIGENTLY Building CONFIDENCE convenient aCceas HealthEquity
Slide 69: Market consolidation
Market consolidation HSA custodians (Total = $30.2B AUM at 12/31/15)* HQY Small HQY Advantages: portfolios • Experience • Independence Acquiring Other top 20 competitors • Speed • Quality *Source: Devenir 2015 year-end study 6 9
Slide 70: Expanding the market
Expanding the market *Fidelity – average 401k 2015; Devenir – 2015 Year End HSA Market Statistics and Trends ** Center for Medicare & Medicaid Services 2015 7 0
Slide 71: Our vision
Our vision * ** * ** ** *Devenir – 2015 Year End HSA Market Statistics and Trends 7 ** Management Estimate 1
Slide 72: HealthEquity Analyst & Investor Day
HealthEquity Analyst & Investor Day June 21, 2016 Copyright © 2015 HealthEquity, Inc. All rights reserved. HealthEquity and the HealthEquity logo are registered trademarks and service marks of HealthEquity, Inc. Confidential and proprietary. Reproduction without express written consent is prohibited