Individual Family Medical Dental Life PoliciesPlans for New

Individual & Family Medical, Dental & Life Policies/Plans for New Sales Benefits Effective July 1, 2012 The benefits of any particular plan or policy are subject to change. This presentation is a summary only and does not list all benefits, exclusions and limitations. The evidence of coverage or policy should be consulted for a detailed description of benefits and limitations. If there is any difference between this presentation and a plan/policy, the provisions of the plan/policy will prevail.

Policies and Plans Anthem Blue Cross Life & Anthem Blue Cross Health Insurance Company Plans Policies §PPO Share §Premier Plus §Smart. Sense Plus §Clear. Protection Plus 3300 §Core. Guard Plus §Lumenos HSA Plus §Tonik 5000 §HMOs 2

Deductible Options Three deductible options! § Embedded § The family deductible can be satisfied by 2 or more family members. (Premier Plus, Smart. Sense Plus, Core. Guard Plus, Clear. Protection Plus, some Lumenos HSA Plus deductibles) § Aggregate § When one or more family members’ eligible covered expenses (combined) meet the aggregate amount, the deductible is satisfied for all covered family members. (Lumenos HSA, some Lumenos HSA Plus deductibles) § 2 - Member Maximum § Once 2 members each reach the deductible, the deductible is satisfied for the entire family. (Share PPO, HMO Plans) 3

Policy/Plan Terms § § § § Network Discounts- Negotiated costs between Anthem and our participating providers. Coinsurance- The percentage of the cost of covered services that the member is responsible for, after the annual deductible has been met. Deductible- The amount member pays each calendar year for covered services before their health plan starts paying. Out-Of-Pocket Maximum- The most that member would have to pay in a calendar year for deductible and coinsurance for in-network covered services. Formulary- a list of prescription drugs our health plans cover. There can be different formularies for different health care plans. Specialty Drugs- typically high in cost, scientifically engineered drugs used to treat complex, chronic conditions. Health Savings Account (HSA) – a special bank account that can be set up by a member enrolled in a qualified HSA-compatible high-deductible health plan if they choose. Contributions to this account can be made with certain tax advantages if used for qualified health care expenses. 4

Find a plan that meets your clients needs You can achieve this by simply asking the following questions to your client: § PPO or HMO? § What type of prescription coverage are you looking for? Generic? Name brand? § What does your budget look like? § Are you looking for coverage that is comparable to group? 5

Things to keep in mind § Pharmacy is a major cost driver on each plan. § The higher the deductible option within a plan family, the lower the premium. § If coming off of group coverage, enrollment under Individual is medically underwritten (except for HIPAA guarantee issue policies/plans). § To increase client retention always include a quote for dental and life products. § Social security numbers are not needed to apply, only California residency for at least 3 months. § The earliest effective date available is 15 calendar days after receipt of the application. 6

PPO Policies/Plans § § § § Premier Plus Smart. Sense Plus Clear. Protection Plus 3300 Core. Guard Plus Lumenos HSA Plus Tonik 5000 PPO Share 7

Premier Plus § 6 deductible options from $1000 -$6000 § “Embedded” family deductible and out-of-pocket maximum § Unlimited number of office visits before deductible - separate office visit copays for family practice ($30) and specialist ($50) § 100% preventive care coverage § Comprehensive drug coverage § Maternity coverage § Routine vision exam Benefits shown are in-network 8

Premier Plus Annual Out-of-Pocket Maximum Single/Family (in addition to deductible) $4, 500/$9, 000 (family out of pocket can be satisfied by 2 or more members) $1, 000, $1, 500, $2, 500, $3, 500, $5, 000, $6, 000 (single) Annual Deductible (embedded deductible) $2, 000, $3, 000, $5, 000, $7, 000, $10, 000, $12, 000 (family) (family deductible can be satisfied by 2 or more members) Office Visits $30 copay for primary care physician; $50 copay for specialist (Deductible waived) Includes all nationally recommended preventive services including well-child care, immunizations, PSA screenings , PAP tests, mammograms and more. 0% Coinsurance, not subject to deductible Preventive Care Professional/Diagnostic Services (x-ray, lab, anesthesia, surgeon, etc. ) 25% after the deductible Inpatient/ Outpatient Services 25% after the deductible Maternity Drug Benefits Covered as other services above Tier 1: (Generic drugs) $15 copay $500 annual Prescription Drug deductible per member applies before the following: Tier 2: (Formulary Brand name drugs) $40 copay Tier 3 : (Non-Formulary Brand name drugs) $60 copay Specialty: 25% Coinsurance up to a $2, 500 Annual OOP Max (the most you’ll have to pay), in -network only and in addition to $500 annual deductible Routine Vision Exam $20 copay (deductible waived) for vision exam only Benefits shown are in-network 9

Smart. Sense Plus § 3 deductible options from $2000 -$6000 § “Embedded” family deductible and out-of-pocket maximum § 3 office visits with $30 copay before deductible § 100% preventive care coverage § Choice of standard or upgrade drug coverage § Maternity coverage Benefits shown are in-network 10

Smart. Sense Plus Annual Out-of-Pocket Maximum Single/Family $3, 500/$7, 000 (in addition to deductible) $2, 000, $3, 500 or $6, 000 (single) $4, 000, $7, 000 or $12, 000 (family) Annual Deductible Office Visits 3 before deductible w/ $30 copay, then 30% after deductible Includes all nationally recommended preventive services including well-child care, immunizations, PSA screenings , PAP tests, mammograms and more. 0% Coinsurance, not subject to deductible Preventive Care Hospital In/Outpatient Drug Benefits 30% after deductible Standard Upgrade Maternity Generic: $15 copay Brand/Specialty: $7, 500 annual brand deductible per member, then: $40 copay (formulary brand), $60 copay (non-formulary brand), Specialty 25% up to $2, 500 annual OOP max. (plus $7, 500 deductible) Generic: $15 copay Brand/Specialty: $500 annual brand deductible per member, then: $40 copay (formulary brand), $60 copay (non-formulary brand), Specialty 25% up to $2, 500 annual OOP max. (plus $500 deductible) Covered as other services above Benefits shown are in-network 11

Clear. Protection Plus 3300 § Two deductibles work together to meet out-of-pocket maximum: § Lower deductible for Inpatient/Outpatient Surgical and Emergency Room § Higher deductible for Outpatient/Professional/Diagnostic (this deductible is equal to the plan out-of-pocket maximum) § “Embedded” family deductible and out-of-pocket maximum § 2 office visits with $40 copay before deductible § 100% preventive care coverage § Comprehensive drug coverage ($7500 brand/specialty drug deductible) § Maternity coverage § In-network and out-of-network deductibles are combined and accumulate toward each other. In-network and out-of-network outof-pocket maximums are also combined and accumulate toward each other. § Benefits shown are in-network 12

Clear. Protection Plus 3300 How the Two Deductibles Work #1 #2 Meet Inpatient/Surgical Meet Outpatient/Professional #1 Meet Inpatient-Surgical deductible plus coinsurance deductible (e. g. , office visits, plus coinsurance (e. g. , hospitalization) #2 Meet Outpatient-Professional (e. g. , hospitalization) outpatient lab (e. g. work) deductible office visits, outpatient lab work) Or any combination of #1 and #2 Total out-of-pocket maximum equals: $6, 800(single)/$13, 600(family) Benefits shown are in-network 13

Clear. Protection Plus 3300 $6, 800 (single) $13, 600 (family) Annual Out-of-Pocket Maximum (including deductible) Annual Deductible (inpatient/Outpatient Surgical/ER) $3, 300 (single) $6, 600 (family) Annual Deductible (outpatient/professional/diagnostic) $6, 800 (single) $13, 600 (family) Office Visits Preventive Care Inpatient/Outpatient Drug Benefits 2 before deductible w/ $40 copay, then 0% after out-of-pocket met Includes all nationally recommended preventive services including well-child care, immunizations, PSA screenings , PAP tests, mammograms and more. 0% Coinsurance, not subject to deductible Inpatient/Outpatient Surgical/ER: 40% after deductible Outpatient professional/diagnostic services: 0% after out-of-pocket met Generic: Brand name: $15 copay $7500 annual brand deductible per member, then: $40 copay for brand name; $60 copay non-formulary 25% coinsurance for specialty up to $2500 annual drug out-of-pocket maximum in addition to $7500 deductible Maternity Covered as other services above Benefits shown are in-network 14

Core. Guard Plus § 5 deductible options from $750 -$5000 § “Embedded” family deductible and out-of-pocket maximum § Office visits – 50% coinsurance after deductible § 100% preventive care coverage § Comprehensive drug coverage ($7500 brand/specialty drug deductible) § Maternity coverage § Higher percentage of member cost sharing in exchange for lower premiums § Inpatient/outpatient facility copays for 3 lowest deductibles Benefits shown are in-network 15

Core. Guard Plus Annual Out-of-Pocket Maximum Single/Family $3, 500/$7, 000 (in addition to deductible) Annual Deductible $750, $1, 500, $2, 500, $3, 500, $5, 000 (single) $1, 500, $3, 000, $5, 000, $7, 000, $10, 000 (family) Office Visits Preventive Care Inpatient/Outpatient Drug Benefits 50% after deductible Includes all nationally recommended preventive services including wellchild care, immunizations, PSA screenings , PAP tests, mammograms and more. 0% Coinsurance, not subject to deductible 50% after deductible plus: For $750/$1500/$2500 plans: $500 inpatient facility copay for first 3 days, $200 outpatient facility copay per admission Generic: Brand name: $15 copay $7500 annual brand deductible per member, then: $40 copay for brand name; $60 copay non-formulary 25% coinsurance for specialty up to $2500 annual drug out-of-pocket maximum in addition to $7500 deductible Maternity Covered as other services above Benefits shown are in-network 16

Lumenos HSA Plus § § § § Aggregate or embedded family deductible options Office visits – 0% coinsurance after deductible 100% preventive care coverage Comprehensive drug coverage (combined medical/RX deductible) Maternity coverage HSA-compatible 100% coverage after deductible Special programs for Smoking Cessation and Weight Management, 24 -hour nurse line, online health management tools Benefits shown are in-network 17

Lumenos HSA Plus HSA Account Annual Out-of-Pocket Maximum (in addition to deductible) § Funded by subscriber, up to maximum limit set by U. S. Treasury § Unused dollars rollover year-to-year § Subscriber “owns” HSA 0% Annual Deductible Single: $5, 950 Family: $5, 500 (Aggregate Deductible) or Family: $7, 500/$11, 900 (Embedded Deductible) Coinsurance after deductible 0% Office Visits 0% Preventive Care (nationally recommended services) $0 (deductible waived) Hospital In/ Outpatient 0% Maternity Drug Benefits Covered as other services above 0% Benefits shown are in-network 18

Lumenos HSA Plus Examples 2 Members on Policy Lumenos HSA Plus $5500 (aggregate) • Husband meets $2750 • After wife meets other $2750, they both are covered at 100% • Family deductible can also be met by just one family member (example once husband meets $5500 both him and his wife will be covered 100%) Lumenos HSA Plus $7500 (embedded) • Husband meets $3750 (half of the family deductible) then he is covered 100% • After wife meets the additional $3750, she gets covered 100% Examples are based on in-network benefits 19

Tonik 5000 § 4 office visits with $20 copay before deductible § 100% preventive care coverage § Generic-only drug coverage § Maternity coverage § Built in dental and vision benefits § Tonik members can purchase Enhanced Tonik Dental plan Benefits shown are in-network 20

Tonik 5000 Annual Out-of-Pocket Maximum/Member $0 (in addition to deductible) Annual Deductible $5, 000 Coinsurance after deductible 0% Office Visits Preventive Care $20 copay/first 4 visits, then 0% after deductible (nationally recommended services) $0 (deductible waived) Hospital In/ Outpatient $0 after deductible Maternity Covered as other services above Dental $0 for cleanings, exams, and X-rays (Enhanced Tonik Dental available) Vision $25 for basic eyeglass lenses and receive up to $100 towards frames or $80 towards contact lenses every 24 months Drug Benefits $15 for a 30 -day supply Benefits shown are in-network 21

Enhanced Tonik Dental Available to Tonik Members Only 22

PPO Share § Three deductible options from $3500 -$7500 § 2 -member maximum deductible and out-of-pocket maximum § Unlimited number of office visits with $40 copay before deductible § 100% preventive care coverage § Comprehensive drug coverage § Maternity coverage § Once deductible is met on $7500 plan, member pays 0% coinsurance for most covered services Benefits shown are in-network 23

PPO Share (7500/5000/3500) 7500 5000 Annual Out-of-Pocket Maximum (in addition to deductible) (2 -member maximum, par/non-par) $0 per member $2, 500 per member Annual Deductible (2 -member maximum) $7, 500 per member $5, 000 per member $3, 500 per member $40 copay deductible waived Office Visits 3500 $4, 000 per member Includes all nationally recommended preventive services including well-child care, immunizations, PSA screenings , PAP tests, mammograms and more. 0% Coinsurance, not subject to deductible Preventive Care (deductible waived) Hospital In/ Outpatient 30% of negotiated fee or 0% (with 7, 500 deductible plan) Maternity 30% of negotiated fee or 0% (with 7, 500 deductible plan) Drug Benefits (Anthem Blue Cross Formulary) (2 -member maximum for brand deductible) $15 generic or 40% which ever is greater; $15 brand copay or 40% which ever is greater after $750 brand deductible $15 generic; $35 brand copay after $750 brand deductible Benefits shown are in-network $15 generic or 40% which ever is greater; $15 brand copay or 40% which ever is greater after $750 brand deductible 24

HMO Plans § HMO Saver § Individual HMO § Select HMO 25

HMO Plans § Deductible and no-deductible options § 2 -member maximum deductible and out-of-pocket maximum § Unlimited number of office visits with $10 or $25 copay depending on plan § 100% preventive care coverage § Comprehensive drug coverage § Maternity coverage § Coverage for services from doctors and hospitals in HMO network Benefits shown are in-network 26

HMO Plans HMO Saver Annual Out-of-Pocket Maximum (in addition to deductible) Annual Deductible Hospital In/Outpatient $3, 000/member (2 -member maximum) $1, 500/member for Inpatient, Outpatient and ASCs only No deductible $10 copay/visit $25 copay/visit 0% Coinsurance, not subject to deductible 0% Coinsurance $1, 500 deductible, then: Inpatient: 20% of negotiated fee Outpatient: 20% of negotiated fee (emergency & non-emergency services subject to deductible) Maternity Drug Benefits (Anthem Blue Cross formulary) Select HMO $1500/member (2 -member maximum) Office Visits (unlimited) Preventive Care Individual HMO Office visits: $10 copay Inpatient/Outpatient: 20% of negotiated fee, after deductible Inpatient: 20% of negotiated fee Outpatient: 20% of negotiated fee Office visits: $10 copay Inpatient/Outpatient: 20% of negotiated fee, after deductible Inpatient: $250 copay/day first 4 days; then covered at 100% Outpatient: 20% of negotiated fee, $250/surgery Office Visits: $25 copay Inpatient: $250 copay per day up to the first 4 days, then 0% per admission $10 generic; $30 brand copay after $250 brand deductible (2 -member maximum) Benefits shown are in-network 27

Options Based on Prospect’s Needs If Main Need Is: Recommended Policies/Plans: Budget Clear. Protection Plus 3300, Core. Guard Plus Immediate coverage for office visits before deductible All open policies/plans come with 100% Preventive Care (innetwork) prior to deductible, and all provide members unlimited office visits (see plan benefit grids for details). Most include office visits at a copay, before deductible: Premier Plus, PPO Share (unlimited number) Tonik 5000 (4) Smart. Sense Plus (3 ) Clear. Protection Plus 3300 (2) Low deductible Core. Guard Plus 750, Premier Plus 1000 100% coverage of most services after deductible Lumenos HSA Plus Tonik 5000 PPO Share 7500 Control over finances, including health care expenses Lumenos HSA Plus Benefits shown are in-network 28

Dental Policies/Plans Three Individual dental options: §Dental Blue Basic* §Dental Blue Enhanced* §Dental Select. HMO** • *Anthem Blue Cross Life & Health Insurance Company • **Anthem Blue Cross 29

Dental Blue 30

Dental Select. HMO 31

Individual Term Life Insurance § Anyone who qualifies for a medical policy/plan can purchase: § $15, 000, $30, 000, $50, 000, $75, 000 or $100, 000 (if over age 19) § $15, 000 or $30, 000 (ages 1 -19) 32

Health • Dental • Life Thank You for Selling Anthem Blue Cross! 33

Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross names and symbols are registered marks of the Blue Cross Association. 34