Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA your medical plan options Plan year: 1/1/ /31/2010 Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA

What’s Changing? Copay Plan Lifetime Maximum – Unlimited Emergency Room Copay - $150 Inpatient Hospital Copay - $350 Outpatient Surgery Copay - $200 Outpatient Mental Health/Substance Abuse visits - $10 with no visit maximum Incentive Plan Outpatient Mental Health/Substance Abuse visits – 85% coinsurance (no deductible) with no visit maximum New CIGNA Choice Fund Health Savings Account (HSA) Open Access Plus – 520,000 doctors/specialists – 8,800 hospitals/facilities Deductibles: $1,300 individual $2,600 family Preventive Care $0 copay/deductible – Covered at 100%

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA A tax advantaged health plan that provides coverage for current medical/pharmacy expenses and allows the option to save for future health expenses. Combines a Qualified Medical Plan (medical/pharmacy coverage) with a Health Savings Account. You, your employer or both can contribute to the Health Savings Account. Money deposited into the Health Savings Account is generally not taxable. You have the option to invest the money into interest-bearing investment vehicles. Interest on these investments is also not taxable. 2 What Is a Health Savings Account (HSA) plan? + = Health Savings Bank Account Qualified Medical Plan Tax Advantaged HSA Plan

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA *In/Out-of-Network Coverage Level How does an HSA work? 7 IndividualFamily Out-of-Pocket Max 100% after $3,300/$6,600* Deductible $1,300/$2,600* Health Coverage 80%/50%* Preventive Care 100% Deductible Out-of-Pocket Max 100% after $6,600/$13,200* Deductible $2,600/$5,200* Health Coverage 80%/50%* Preventive Care 100% Deductible Fund contributions can be used to pay for current year qualified health expenses or saved to pay for future year health expenses Contribution $850 Employer + Employee $ Contribution $1,700 Employer + Employee $

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Because HSA Plans have special tax advantages, the IRS defines specific rules on participation. To be eligible you: Must be enrolled in a qualified HSA medical plan (CIGNA Choice Fund is a qualified medical plan) Cannot have any other health coverage Not covered by spouse’s medical or pharmacy plan Not covered through Medicare Part A or Part B Not covered through a general-purpose Flexible Spending Account (FSA) plan (either Employer’s or Spouse’s) Cannot be claimed as a dependent on another person’s tax return Am I eligible to participate in a HSA plan? 4

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA What is the maximum I can contribute annually to the HSA? Because HSAs offer special tax advantages, the IRS puts limits on the maximum amount that can be contributed to the account: Under age 55 and not enrolled in Medicare: (based on a 12 month period) up to $3,050 individual coverage* up to $6,150 family coverage* Age 55 or older: Maximum contribution increases by $1,000 (considered a “catch-up” contribution) up to $4,050 individual coverage* up to $7,150 family coverage* *Employer and incentive contributions reduce the maximum an employee can contribute by an amount equal to the contribution. 5

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA I want to save for the future. What are my HSA saving and investment options? $2,000 minimum in HSA to invest Once the investment account is open, no minimum balance applies Eight mutual funds from which to choose Investments can be allocated into one fund or multiple funds No minimum deposit for any fund Tax-free growth of interest or investment earnings Monthly fees apply Online trading – no fees apply Track your balance online or with convenient monthly statements 17

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA I want a plan that provides protection from the unexpected. How do you protect me financially? Medical Plan Highlights Open Access Plus – Copay Plan Open Access Plus – Incentive Plan Purdue Choice Fund ® with HSA SingleFamilySingleFamilySingleFamily Deductible – what you pay before the plan pays none In-network $500 Out-of-network none In-network $1,000 Out-of- network $400 In-network $800 Out-of network $800 In-network $1,600 Out-of-network $1,300 In-network $2,600 Out-of-network $2,600 In-network $5,200 Out-of-network Out-of-pocket maximum none In-network $4,000 Out-of-network none In-network $8,000 Out-of- network $1,800 In-network $3,600 Out-of-network $3,600 In-network $7,200 Out-of-network $3,300 In-network $6,600 Out-of-network $6,600 n-network $13,200 Out-of-network HRA contribution from employer n/a $200 + $650$400 + $1,300 Lifetime maximumUnlimited

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Prescription Plan Highlights I want a plan that provides protection from the unexpected. How do you protect me financially? Open Access Plus – Copay (Medco) Open Access Plus – Incentive (Medco) Purdue Choice Fund ® with HSA (CIGNA) In-Network Retail (30-day supply) Home Delivery (90-day supply) Retail (30-day supply) Home Delivery (90-day supply) Retail (30-day supply) Home Delivery (90-day supply) GenericYou pay 20%You pay 15%You pay 20%You pay 15% You pay 20% after plan deductible You pay 15% after plan deductible Preferred brandYou pay 30%You pay 25%You pay 30%You pay 25% You pay 30% after plan deductible You pay 25% after plan deductible Non-preferred brandYou pay 50%You pay 45%You pay 50%You pay 45% You pay 50% after plan deductible You pay 45% after plan deductible Generic Preventative medications n/a No charge Brand Preventative Medications n/a You pay 30% or 50%, no plan deductible You pay 25% or 45%, no plan deductible Preventative medications are used to prevent any of the following medical conditions: Hypertension, high cholesterol, diabetes, asthma, osteoporosis, stroke, and prenatal nutrient deficiency.

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA My life is busy. How do you help me understand and track my health care expenses? 24/7 Customer Phone Assistance One toll-free number – on the back of the ID card and Debit Card Specially-trained Customer Service Representatives answer questions about: Medical and pharmacy benefits and claims HSA IRS requirements HSA transaction activity and balance Live transfer to JPMorgan Chase for specialized activity (investments, lost debit card, debit card transaction questions) Direct members to tools available via myCIGNA.commyCIGNA.com 14

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA 24/7 Online Health Account Management Personalized and secure online account tool Review plan coverage levels Check available balances Track claims and payments Get HSA bank account information Manage investment accounts via link to JPMorgan Chase My life is busy. How do you help me understand and track my health care expenses? Hello Karen 1515 Tools to find and compare cost and quality care Tools to find and compare cost and quality care Manage Bank Account Manage Medical Plan Logged in as: Karen Smith At-A-Glance Account Summary At-A-Glance Account Summary Karen Smith

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA My life is busy. How do you help me understand and track my health care expenses? Explanation of Benefits Mailed to your home after each claim Shows how and when claims were paid, and how it impacted the funds in your account Account Statement Mailed to your home quarterly Shows year-to-date deductibles, out-of-pocket expenses, and all claim activity for that quarter

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA I’m healthy. What will your plan do for me? Easy-to-use, confidential health assessment gives you an overall health “score” and a personalized report Online coaching programs to help you maintain a healthy lifestyle 100% coverage for wellness checkups, immunizations and preventive screenings (varies by plan) Save money on health and wellness products and services like fitness clubs, eyewear, massage therapy and more A personal health advocate to help you prepare for office visits, improve your lifestyle and reduce your health risks, explore and choose treatment options, and answer health and coverage questions Healthy pregnancy education programs with March of Dimes  helps every baby get a healthy start. Programs to help you better manage stress, quit tobacco or lose weight

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA I have a serious health condition. What can you do to make my life easier? Information and resources help you learn about your condition and treatment options and tips for self-care Help with coordinating care if you’re admitted to the hospital Online calculators help you compare medical treatment costs A dedicated health advocate to help you manage Your health condition, treatment options and self-care Services to help you find quality daycare, eldercare – even pet care

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Life is unpredictable. How can you help me when something changes – my health, I move, I’m traveling, I get married? Find a doctor whenever you need one, online or by phone Get same-as-home medical coverage for a temporary relocation Talk to a health advocate who can help you make decisions about your treatment Avoid the emergency room for minor injuries – visits to urgent care and retail clinics are covered Balance the stresses of work and life – online or on the phone – talk to people who can help Keep your doctor during transitions (if you’re new to CIGNA, your doctor leaves our network) for certain health care conditions

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Life is unpredictable. How can I reach you when I need help? Call us anytime day or night – live, 24/7 customer service Find information when you need it at myCIGNA.com We speak many languages For J.D. Power and Associates Certified Call Center Program SM information, visit Fund OA Plus HRA

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Voted 2008 Best Managed Care Organization and Best Employee Assistance Program by Business Insurance Winner of “Innovation in Multicultural Health Care” Award from independent National Committee for Quality Assurance (NCQA) Top industry rankings for Effectiveness of Care by NCQA Our customer call centers are certified by J.D. Power and Associates* for providing “an outstanding customer service experience” Doctors and hospitals ranked us #1 and #2 respectively on our payment, accuracy and efficiency in the annual survey by AthenaHealth Everyone says they are the best. Why should I trust you? *For J.D. Power and Associates Certified Call Center Program SM information, visit

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA I need help enrolling. What help can you provide? CIGNA Customer Service at for instructions and helpful tips to build and customize your benefits User ID: Purdue2010 Password: cigna Open Enrollment 10/26/2009 to 11/13/2009 myCIGNAplans.com

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA I need help enrolling. What help can you provide? Plan Comparison Tool View CIGNA Plan options Benefit Details Descriptions Compare cost of plans CIGNA network discounts Use demographic to determine utilization or modify to individual circumstances Includes payroll cost of plans Includes ability to model HSA contributions Medical and pharmacy cost tools 18

Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Questions? 35 Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA