Individual & Family Medical, Dental & Life Plans

2 Policies and Plans Anthem Blue Cross Life & Health Insurance Policies  SmartSense Plus  ClearProtection Plus  CoreGuard Plus  Lumenos HSA Plus  Premier Plus  Tonik 5000 Anthem Blue Cross Plans  PPO Share  HMOs

3 Deductible Options Three options!  2- member maximum  Once 2 members each reach the deductible, the deductible is satisfied for the entire family. (Share PPO, HMO Plans)  Aggregate  When one or more family members’ eligible covered expenses (combined) meet the aggregate amount, the requirement is satisfied for all covered family members. (Lumenos HSA)  Embedded deductible  The family deductible can be satisfied by 2 or more family members. (Premier Plus, SmartSense Plus, CoreGuard Plus, ClearProtection Plus)

4 Policy/Plan Terms  Network Discounts- Negotiated costs between Anthem Blue Cross 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 you have to pay each calendar year for covered services before your health plan starts paying.  Out-Of-Pocket Maximum- The most that you 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.  Specialty Drugs- typically high in cost, scientifically engineered drugs used to treat complex, chronic conditions.  Health Savings Account (HSA) – is 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.

5 Find a plan that meets your clients needs You can achieve this by simply asking the following questions to your client:  PPO or HMO?  Are you looking for maternity coverage?  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?

6 Things to keep in mind  Maternity and Pharmacy are the main cost drivers on each plan.  The higher the deductible option, the lower the premium.  If coming off of group coverage, enrollment under Individual is medically underwritten.  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 would be 15 calendar days after receipt of the application.

7 PPO Policies/Plans  Premier Plus  SmartSense Plus  ClearProtection Plus  CoreGuard Plus  Lumenos HSA  Lumenos HSA Plus  Tonik 5000  PPO Share

8 Premier Plus  Six deductible options from a $1000-$6000  Unlimited - First dollar (no deductible) office visits with separate office visit copays for family practice and specialist ($30 & $50)  Routine vision exam  100% Preventive Care Coverage  Comprehensive drug coverage from generics to specialty drugs  “Embedded” family deductible and out-of-pocket maximum  No maternity coverage Benefits shown are in-network

9 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 ) Annual Deductible (embedded deductible) $1,000, $1,500, $2,500, $3,500, $5,000, $6,000 (single) $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 ( Deductible waived ) $30 copay for primary care physician; $50 copay for specialist (Deductible waived) Preventive Care Includes all nationally recommended preventive services including well-child care, immunizations, PSA screenings, PAP tests, mammograms and more. 0% Coinsurance, not subject to deductible Professional/Diagnostic Services (x-ray, lab, anesthesia, surgeon, etc.) 25% after the deductible Inpatient/ Outpatient Services25% after the deductible MaternityNot covered Drug BenefitsTier1: (Generic drugs) $15 copay $500 annual Prescription Drug deductible per member applies before the following: Tier2: (Formulary Brand name drugs) $40 copay Tier3 : (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

10 SmartSense Plus  Choice of 4 new deductibles  Choice of standard or upgrade drug coverage  “Embedded” family deductible and out-of- pocket maximum  3 office visits before deductible  No maternity coverage  100% Preventive care Benefits shown are in-network

11 Annual Out-of-Pocket Maximum Single/Family (in addition to deductible) $3,500/$7,000 Annual Deductible $1,000, $2,000, $3,500 or $6,000 (single) $2,000, $4,000, $7,000 or $12,000 (family) Office Visits3 before deductible w/ $30 copay, then 30% after deductible Preventive Care Includes all nationally recommended preventive services including well- child care, immunizations, PSA screenings, PAP tests, mammograms and more. 0% Coinsurance, not subject to deductible Hospital In/Outpatient30% after deductible Drug Benefits Standard Upgrade 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) MaternityNot covered SmartSense Plus Benefits shown are in-network

12 Lumenos HSA Plus Consumer-Driven Health Plans (CDHPs )  HSA-compatible  100% coverage after deductible  Preventive care benefits  Various deductible options  Special programs for Smoking Cessation and Weight Management  Powerful online health management tools  Access to our 24-Hour nurse Line Benefits shown are in-network

13 HSA Account  Funded by subscriber, up to maximum limit set by U.S. Treasury  Unused dollars rollover year-to-year  Subscriber “owns” HSA Annual Out-of-Pocket Maximum (in addition to deductible) 0% Annual Deductible Single: $3,000/$4,500/$5,950 Family: $3,500/ $5,500 (Aggregate Deductible) or Family: $7,500/$11,900 (Embedded Deductible) Coinsurance after deductible 0% Office Visits0% Preventive Care (nationally recommended services) $0 (deductible waived) Hospital In/ Outpatient0% MaternityNot covered Drug Benefits0% Lumenos HSA Plus Benefits shown are in-network

14 Lumenos HSA Plus Examples – 2 members on policy Lumenos HSA Plus $3500 (aggregate) Husband meets $1750 After wife meets other $1750, they both are covered at 100% Family deductible can also be met by just one family member (example once husband meets $3500 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% ***Please note examples given are based on In-Network benefits

15 HSA Account  Funded by subscriber, up to maximum limit set by U.S. Treasury  Unused dollars rollover year-to-year  Subscriber “owns” HSA Annual Out-of-Pocket Maximum/Member (in addition to deductible) $3,500 (single) $7,000 (family) Annual Deductible $1,500 (single) $3,000 (family maximum) Coinsurance after deductible 30% Office Visits30% after deductible Preventive Care (nationally recommended services) 0% (deductible waived) Hospital In/ Outpatient30% after deductible MaternityNot covered Drug Benefits30% after deductible Lumenos Health Savings Account (HSA)-Compatible Benefits shown are in-network

16 CoreGuard Plus  Higher percentage of member cost sharing in exchange for lower premiums  Choice of 5 deductibles  Full drug coverage  “Embedded” family deductible and out-of-pocket maximum  No maternity coverage  Inpatient/outpatient facility copays for 3 lowest deductibles  Separate in-network and out-of-network deductibles and out-of- pocket maximums Benefits shown are in-network

17 Annual Out-of-Pocket Maximum Single/Family (in addition to deductible) $3,500/$7,000 Annual Deductible $750, $1,500, $2,500, $3,500, $5,000 (single) $1,500, $3,000, $5,000, $7,000, $10,000 (family) Office Visits50% after deductible Preventive Care 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 50% after deductible plus: For $750/$1500/$2500 plans: $500 inpatient facility copay for first 3 days, $200 outpatient facility copay per admission Drug BenefitsGeneric: $15 copay Brand name: $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 MaternityNot covered CoreGuard Plus Benefits shown are in-network

18 ClearProtection Plus  Two deductible levels (negotiated rates apply before and after meeting deductible)  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)  Two deductibles work together to meet out-of-pocket maximum  2 office visits before deductible  Full drug coverage with unique formulary and $2000 brand/specialty deductible  “Embedded” family deductible and out-of-pocket maximum  No maternity coverage  Coverage for generic and brand name prescription drugs Benefits shown are in-network

19 Annual Out-of-Pocket Maximum (including deductible) $4,500/$6,800 (single) $9,000/$13,600 (family) Annual Deductible (inpatient/Outpatient Surgical/ER) $1,000 or $3,300 (single) $2,000 or $6,600 (family) Annual Deductible (outpatient/professional/diagnostic) $4,500/$6,800 (single) $9,000/$13,600 (family) Office Visits2 before deductible w/ $40 copay, then 0% after out-of-pocket met Preventive Care 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 Inpatient/Outpatient Surgical/ER: 40% after deductible Outpatient professional/diagnostic services: 0% after out-of-pocket met Drug BenefitsGeneric: $15 copay Brand name: $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 MaternityNot covered ClearProtection Plus Benefits shown are in-network

20 Tonik  Lowest out of pocket maximum  100% coverage after deductible/ out of pocket have been met  Built in dental and vision benefits  100% preventive care coverage  Non maternity coverage  Generic prescription coverage $15 copay Benefits shown are in-network

21 Annual Out-of-Pocket Maximum/Member (in addition to deductible) $0 Annual Deductible$5,000 Coinsurance after deductible 0% Office Visits$20 copay/first 4 visits, then 0% after deductible Preventive Care (nationally recommended services) $0 (deductible waived) Hospital In/ Outpatient$0 after deductible MaternityNot covered Dental$0 for cleanings, exams, and X-rays 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 Tonik 5000 Benefits shown are in-network

22 PPO Plans Comprehensive PPO plans  Once deductible is met, member pays 0% or 30% co-insurance (depending on plan) for most covered services  Deductible waived for office visits, annual physical exam and preventive care  Maternity coverage  Generic and Brand name prescription coverage PPO Share (7500/5000/3500) Benefits shown are in-network

Annual Out-of-Pocket Maximum (in addition to deductible) (2-member maximum, par/non-par) $0 per member $2,500 per member $4,000 per member Annual Deductible (2-member maximum) $7,500 per member $5,000 per member $3,500 per member Office Visits $40 copay deductible waived $40 copay deductible waived $40 copay deductible waived Preventive Care (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 Hospital In/ Outpatient30% of negotiated fee or 0% (with 7,500 deductible plan) Maternity30% 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 $15 generic or 40% which ever is greater; $15 brand copay or 40% which ever is greater after $750 brand deductible PPO Share (7500/5000/3500) Benefits shown are in-network

24 HMO Plans  HMO Saver  Individual HMO  Select HMO

25 HMO Plans  First dollar coverage on:  Office visits  Generic drugs  Preventive care  Unlimited office visits with set copays  Coverage for services from doctors and hospitals in HMO network  Comprehensive drug plan  Maternity coverage HMO Saver, Individual HMO, Select HMO Benefits shown are in-network

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

27 Plan Options Based on Prospect’s Needs If Main Need Is:Recommended Plans: Budget Tonik 5000, Premier PPO, ClearProtection Plus, CoreGuard Plus Immediate coverage for office visits before deductible PPO Share and HMO (unlimited) Tonik 5000 (4 visits before deductible) Premier Plus (unlimited) ClearProtection Plus (2 visits before deductible) SmartSense Plus (3 visits before deductible) No deductibleIndividual HMO or Select HMO 100% coverage of most services after deductible Lumenos HSA plus Tonik 5000 Control over finances, including health care expenses Lumenos HSA Lumenos HSA Plus Maternity coveragePPO Share HMO Benefits shown are in-network

28 Three Individual dental options:  Dental Blue Basic*  Dental Blue Enhanced*  Dental SelectHMO** *Anthem Blue Cross Life & Health Insurance Company **Anthem Blue Cross Dental Plans

29 Dental Plans

30 Dental SelectHMO

31 Individual Life Insurance  Anyone who qualifies for one of medical plans 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) Term Life Insurance

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.