Group Retiree Health Insurance for the Retirees of the County of Fresno Jill M. Cooke, CEBS Regional Sales Director – Western Region October 29, 2010

October 2010County of Fresno2 Agenda Why The Hartford? Group Retiree Health – What is it? – How does it work? The County of Fresno Group Retiree Health Plan with The Harford How do I get enrolled? Questions

October 2010County of Fresno3 Group Retiree Health Why The Hartford? Solutions. We listen and work with employers to provide their retirees with necessary solutions. Flexibility. We recognize that there’s no such thing as a one-size-fits- all approach. Experience. Over 60 years of group benefits experience and over 20 years in group retiree health - a proven track record of success. Integrity. We honor our commitments.

October 2010County of Fresno4 Group Retiree Health Why The Hartford?

October 2010County of Fresno5 Group Retiree Health What is it? It’s an employer sponsored retiree medical plan for retirees and their spouses of the County of Fresno that are eligible for Medicare benefits. A fully insured indemnity plan that works with original Medicare. The plans include: – NO networks – NO co-payments – NO deductibles – NO referral required to see a specialist – NO worries when seeking emergency care – Guarantee issue for both you and your spouse – Seek coverage from any doctor that accepts Medicare patients – Countrywide coverage

October 2010County of Fresno6 Group Retiree Health (cont) – Retiree focused – Specially trained staff in senior issues – Plan is sponsored by the County of Fresno * Customized for YOU by the County to best meet your health and financial needs * Only available to you as a retiree of the County and for your spouse and not available on an individual basis

October 2010County of Fresno7 Group Retiree Health How Does it Work? – Integrates with Medicare…supplements Medicare Parts A and B – Secondary to Medicare – no need to ask you doctor if they take Hartford – Fills the “gaps” in Medicare : Pays Part A and B deductibles and co- pays – Paperless/electronic claims processed by your provider

The County of Fresno Hartford’s Group Retiree Health Plan

October 2010County of Fresno9 Group Retiree Health – Summary of Coverage 1

October 2010County of Fresno10 Group Retiree Health – Summary of Coverage 1

October 2010County of Fresno11 Group Retiree Health – Summary of Coverage 1

October 2010County of Fresno12 How do I get Enrolled?

October 2010County of Fresno13 Group Retiree Health How do I get Enrolled? If you are currently enrolled in the County’s sponsored private fee service plan through Anthem, you have been auto enrolled into The Hartford’s Group Retiree Insurance Plan effective January 1, You do not need to complete an enrollment form. If you would like to enroll for the first time into The Hartford’s Group Retiree Insurance Plan, you simply need to complete the enrollment form found in your packet of information that you received from the County. The completed enrollment form is due back to the County by November 10, 2010.

October 2010County of Fresno14 Questions

October 2010County of Fresno15 Group Retiree Health Questions How to contact us: - Representatives from Hartford are here today: Karolyn Schillinger and Jill Cooke to answer your questions - Plan Administrator – Benistar at NS 02/10 ©2010 The Hartford, Hartford, CT The Hartford ® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

Insurance. Investments. Retirement.

3668 NS 02/10 October 2010County of Fresno17 The Hartford ® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. This presentation explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability.