Cigna Choice Fund® Health Reimbursement Account (HRA) Train the Trainer Client Name (required) Presenter Name (optional) Presenter Title (optional) Month, Day, Year (required)

What’s Changing? Current New (The Standard Plan) (Product/Network) – xxx,xxx doctors/specialists – x,xxx hospitals/facilities Deductibles: $x,xxx individual $x,xxx family Preventive Care $xx coinsurance Pharmacy: (Cap Limits – $ and year) HRA Rollover: (Cap Limits – $/individual; $/family) New Cigna Choice Fund® Health Reimbursement Account (HRA) Open Access Plus – 520,000 doctors/specialists – 8,800 hospitals/facilities Deductibles: $x,xxx individual $x,xxx family Pharmacy: (Cap Limits – $ and year) HRA Rollover: (Cap Limits – $/individual; $/family) Preventive Care coverage (covered at? Preventive Care $0 coinsurance/deductible – Covered at 100% Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

I heard these account-based plans are unique I heard these account-based plans are unique. How is this different from a traditional plan? Same Wide choice of doctors/hospitals Covers routine, emergency and catastrophic care Pay percentage of bill for in-network care Pay higher percentage for out-of-network care Plan pays claim after plan deductible met CIGNA receives bills, sends payment to doctors/hospitals Different No copayment due at time of visit Preventive care covered 100% You pay a portion of deductible; account pays rest Cap on out-of-pocket expenses for in-network care Unused funds rollover to next year Earn extra funds for taking health assessment Max individual pays after deductible met 100% after $3,250 (in-network) Health Plan 80% / 60% Employee Share $1,000 FSA** Fund up to $2,500 tax-free Out-of-Pocket Maximum 100% Preventive Care (in-network) Deductible HRA $1,000 Earn extra $ for taking health assessment Unused $ rollover to next year’s fund Employer funds account Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Components of Health Reimbursement Account (HRA) Max individual pays after deductible met 100% after $3,250 (in-network) Features Employer funds account High deductible health plan HRA pays first, creating sense of employee ownership Preventive care covered at 100% to promote wellness and early detection Incentives Flexibility of expenses payable Rollover of unused funds Integrated Flexible Spending Account (FSA) and Pharmacy POS claim system Health Plan 80% / 60% Employee Share $1,000 FSA** Fund up to $2,500 tax-free Out-of-Pocket Maximum 100% Preventive Care (in-network) Deductible HRA $1,000 Earn extra $ for taking health assessment Unused $ rollover to next year’s fund Employer funds account Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Claim Examples The next few slides show example of how the plan works with Autopay (Auto-claim forwarding) Feel free to pull in the new Claim flow slides for the appropriate plan set up the client has elected SEE FUSE 7722 Health Reimbursement Account (HRA)   (08/12)   Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Meet Kevin Kevin is enrolled as Employee Only. He is healthy, gets his yearly wellness exams and completed his online Health Risk Assessment. Kevin gets $750 in his Health Reimbursement Account (HRA). His HRA plan includes: HRA Fund Account $750 His Share $750 Health Plan 85%/65%* Out of Pocket Maximum $3,000/$6,000* $1,500/$3,000 Deductible* *In/Out of Network Coverage Level Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Out-of-Pocket Maximum 100% Preventive Care (in-network) Kevin – Year 1 100% after $3,000 (in-network) Preventive Care Expenses Annual exam $ 300 Covered 100%; no cost to Kevin Medical Expenses Urgent care visit 100 1 medical visit 160 TOTAL $ 260 Health Plan 85% / 65% Employee Share $750 Out-of-Pocket Maximum 100% Preventive Care (in-network) Deductible How Claims are Paid HRA 750 Medical Expenses* - 260 Rollover Amount $ 490 HRA $750 Total Paid by Plan $ 560.00 Total Paid by Kevin $ 0 * Medical expenses are automatically forwarded to the HRA Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Out-of-Pocket Maximum 100% Preventive Care (in-network) Kevin – Year 2 100% after $3,000 (in-network) Preventive Care Expenses Annual exam $ 300 Covered 100%; no cost to Kevin Medical Expenses 2 Visits to Specialist 200 1 visit to Chiropractor 80 TOTAL $280 Health Plan 85% / 65% Employee Share $750 Out-of-Pocket Maximum 100% Preventive Care (in-network) Deductible How Claims are Paid HRA $750 + $490 Rollover 1240 Medical Expenses* - 280 Rollover Amount $ 960 HRA $750 Total Paid by Plan $ 580.00 Total Paid by Kevin $ 0 * Medical expenses are automatically forwarded to the HRA Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Meet the Smith Family The Smiths are enrolled in family coverage. All family members get their yearly wellness exams and Mr. Smith completed the Online Health Risk Assessment. Mrs. Smith has high cholesterol and severe low back pain. The Smiths get $1,500 in their HRA. Their HRA plan includes: HRA $1,500 Their Share $1,500 Health Plan 85%/65%* Out of Pocket Maximum $6,000/$12,000* $3,000/$6,000 Deductible* *In/Out of Network Coverage Level Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

The Smiths– Year 1 Preventive Care Expenses Preventive exams $ 1500 Max individual pays after deductible met 100% after $6,000 (in-network) Preventive Care Expenses Preventive exams $ 1500 Covered 100%; no cost to Smiths Medical Expenses 6 Chiropractic visits 510 2 Urgent care visits 360 2 PCP visits 160 TOTAL $1030 Health Plan 85% / 65% Employee Share $1500 Out-of-Pocket Maximum 100% Preventive Care (in-network) Deductible HRA $1500 How Claims are Paid HRA 1500 Medical Expenses* - 1030 Rollover Amount $ 470 Total Paid by Plan $ 2530 Total Paid by Smiths $ 0 * Medical expenses are automatically forwarded to the HRA Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

The Smiths– Year 2 Preventive Care Expenses Preventive exams $ 1750 Covered 100%; no cost to Smiths Medical Expenses 6 Chiropractic visits 650 1 Urgent Care visit 90 2 Emergency Room visits 1450 4 PCP visits 350 TOTAL $2540 Max individual pays after deductible met 100% after $6,000 (in-network) Health Plan 85% / 65% Employee Share $1500 Out-of-Pocket Maximum 100% Preventive Care (in-network) Deductible How Claims are Paid HRA $1500 + $470 Rollover 1970 Medical Expenses* - 1970 Rollover Amount $ 0 HRA $1500 Total Paid by Plan $ 3720 Total Paid by Smiths $ 570 * Medical expenses are automatically forwarded to the HRA Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Comparing Cigna Choice Fund Options for (insert client name) HRA Option 1 HRA Option 2 HRA Employee Share Health Plan Deductible Out-of-Pocket Max $X,XXX XX%/XX%* HRA Employee Share Health Plan Deductible Out-of-Pocket Max $X,XXX XX%/XX%* Employee HRA Employee Share Health Plan Deductible Out-of-Pocket Max $X,XXX XX%/XX%* HRA Employee Share Health Plan Deductible Out-of-Pocket Max $X,XXX XX%/XX%* Employee + Spouse or Employee + Child Now let’s talk about the Health Reimbursement Arrangement or HRA for short. There are some elements of an HRA that are familiar to you, and some that are new. The HRA is an account set up for you by your employer (cite company name). At the beginning of the plan year, your employer (cite company name) will deposit a set amount of benefit dollars in your account. The amount depends on how many people you cover. The dollars in your HRA dollars will automatically pay first and cover 100% of your eligible expenses, as long as dollars are available. These dollars can help you meet your deductible. The HRA dollars may not fully meet your deductible, so you may have some out of pocket cost to help you meet the deductible. Once you meet the deductible, you will share expenses with the plan, up to a pre-determined maximum out of pocket limit based on the number of people you cover. Once you meet the maximum out of pocket limit, the health plan pays for all covered services beyond that amount. Because providers that are part of the CIGNA network automatically agree to discounted reimbursement, your out of pocket expenses are reduced when you use CIGNA providers. You can see doctors outside the network, though you will pay more out of pocket. HRA Employee Share Health Plan Deductible Out-of-Pocket Max $X,XXX XX%/XX%* HRA Employee Share Health Plan Deductible Out-of-Pocket Max $X,XXX XX%/XX%* Employee + Family *In/Out of Network Coverage Level Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Financial Protection For the Unexpected Medical Plan Highlights Open Access Plus – High Basic Cigna Choice Fund® with HRA Single Family Premium – deducted from payroll $XX $XXX Deductible – what you pay before the plan pays In-network $XXX Out-of network $X,XXX Out-of-network $X,XXX In-network Out-of-pocket maximum $X,XXX $XXXX n-network HRA contribution from employer n/a Lifetime maximum Unlimited Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Financial Protection For the Unexpected Medical Plan Highlights Open Access Plus – High Cigna Choice Fund® with HRA Single Family Premium – deducted from payroll $XXX Deductible – what you pay before the plan pays $XXX In-network $000 Out-of network $0,000 Out-of-network Out-of-pocket maximum $X,XXX In-network $X,XXX Out-of-network HRA contribution from employer n/a Lifetime maximum Unlimited Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Financial Protection For the Unexpected Medical Plan Highlights Cigna Choice Fund® with HRA Single Family Premium – deducted from payroll $XX $XXX Deductible – what you pay before the plan pays Out-of-pocket maximum HRA contribution from employer Lifetime maximum Unlimited Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Financial Protection For the Unexpected Prescription Plan Highlights Open Access Plus – High Basic Cigna Choice Fund® with HRA In-Network Retail (30-day supply) Home Delivery (90-day supply) Home Delivery (90-day supply) Generic You pay %XX CIGNA preferred brand You pay XX% Non-preferred brand Self-injectable medications $XXX max. per prescription Out-of-network Retail (00-day supply) Home Delivery (00-day supply) You’ll pay XX% for all out-of-network prescription medications, regardless of your plan. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Financial Protection For the Unexpected Prescription Plan Highlights Open Access Plus – High Cigna Choice Fund® with HRA In-Network Retail (30-day supply) Home Delivery (90-day supply) Home Delivery (90-day supply) Generic You pay %XX CIGNA preferred brand You pay XX% Non-preferred brand Self-injectable medications $XXX max. per prescription Out-of-network Retail (00-day supply) Home Delivery (00-day supply) You’ll pay XX% for all out-of-network prescription medications, regardless of your plan. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Financial Protection For the Unexpected Prescription Plan Highlights Cigna Choice Fund® with HRA In-Network Retail (30-day supply) Home Delivery (90-day supply) Generic You pay %XX CIGNA preferred brand You pay XX% Non-preferred brand Self-injectable medications $XX max. per prescription Out-of-Network Retail (00-day supply) Home Delivery (00-day supply) You’ll pay XX% for all out-of-network prescription medications, regardless of your plan. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Enrollment

Innovative and Helpful Enrollment Support myCIGNAplans.com CIGNA Customer Services at 1.800.401.4041 www.myCIGNAplans.com for instructions and helpful tips to build and customize benefits User ID: Password: Open Enrollment (List Dates) myCignaplans.com user guide available on Fuse 7722 – feel free to insert slides or use as standalone presentation Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Help to Improve Health and Quality Care Great opportunity to include New Cost and Quality tool – see slides on FUSE 10072 External Sales Presentation  (Cat# 850409, 02/2012) - Download Here  Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Dedicated Personal Health Advisor Also a great opportunity to include bullets or slide referring to Health Advisor FUSE 8069 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Important Transition Information Plan Effective Date: January 1, 20XX ID Cards: New cards mailed mid-December Temporary cards available online on or after January 1, 20XX Claims Processed by previous medical plan for service/care received prior to January 1, 20XX Processed by CIGNA for service/care received on or after January 1, 20XX HRA balances with your previous medical plan (If applicable) Previous plan holds balances for 90 days – late March – to pay bills for service/care received prior to January 1, 20XX. In April, previous plan sends any remaining balances to CIGNA who deposits into your CIGNA HRA. This money is transferred and is available in April to pay claims for service/care received on or after January 1, 20XX. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Life Status Coverage Change During Plan Year If increasing coverage: Additional HRA funds are added and adjusted based on the effective date of the change in coverage level. Deductible and out-of-pocket levels also increase to the higher level. Additional HRA funds are available to pay for claims incurred after the effective date of the new coverage level. If decreasing coverage: HRA funds are reduced to the lower coverage level amount based on the effective date of the change. The deductible and out-of-pocket maximum are also reduced to the lower level. The higher amount will remain available to pay for claims incurred prior to the effective date of the new coverage level. PRESENTER NOTES SEE PREVIOUS Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna

Strong Customer Support 24/7 live service 150+ languages and dialects spoken One service center for Medical and HRA Simple and easy experience Mobile access to claims and balances from any web-enabled device One website – myCigna.com AutoPay claims from fund account Combined financial statements for Medical and HRA Personal Health Advocate for decision support Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna 25

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