Welcome to the Aetna Answer SM Presentation Discussion Topics  What is Medicare?  What choices do I have?  Why Aetna Medicare?  How do I enroll? M0001_7A_80822 (01/2009) The Aetna Answer SM

 A federal health insurance program  Available to those age 65 and older:  who are entitled to monthly Social Security benefits  Widows or widowers who are entitled to monthly Social Security benefits  Available to those under age 65:  who have been entitled to Social Security disability benefits for at least 24 months  with ALS (Amyotrophic Lateral Sclerosis), known as Lou Gehrig’s disease, the first month they are entitled to Social Security benefits  who are entitled to Social Security benefits and need maintenance kidney dialysis or a kidney transplant What is Medicare? Page 2

 Part A – is primarily for hospitalization.  Part B – pays doctor bills as well as outpatient costs, including preventive services.  Part C – is also known as the Medicare Advantage program. Medicare Advantage plans are offered by private insurance companies that have a contract with the federal government.  Part D – the Medicare prescription drug benefit, which provides coverage for prescription drugs. This benefit is only available through private insurance companies. Which “Parts” of Medicare are you interested in? Page 3

What choices do I have? Both medical and prescription drug coverage are available. We’ll explain your choices. Overview of Options

Medical Plan and Pharmacy Plan Choices Page 5 1. Original Medicare2. Original Medicare & Supplement 3. Medicare Advantage Plan (MA)  Covers part of hospital care (Part A) and other care the doctor provides (Part B)  No prescription drug coverage  Original Medicare covers basic hospital and doctor care  The supplement provides coverage for expenses Original Medicare does not cover (MediGap Plans)  Different benefits and premiums are available  If you enrolled in a Medicare supplement plan prior to December 31, 2005, your plan may have some prescription drug coverage.  Otherwise, you must choose and pay an additional premium for a free-standing Prescription Drug Plan  Typically offers more benefits than Original Medicare and a supplement  May have lower monthly plan premiums than a supplement  Includes Original Medicare benefits typically with lower predictable copays  Plus coverage for:  Routine physicals  Eye exams  Preventive care  Options that combine prescription drug and medical coverage  One plan, one card, one company

 Benefits provided with Aetna Medicare Advantage plans:  Comprehensive medical coverage that includes Original Medicare benefits plus additional benefits, such as:  Routine yearly physicals, yearly eye exams and preventive care at no additional cost  Specialist and hospital coverage  Emergency medical coverage worldwide  Plans that include Medicare prescription drug coverage (MA-PD)  Optional dental plans and other Aetna Extras SM Aetna Golden Medicare Plan ® Aetna Golden Choice  Plan Aetna Medicare Open SM Plan  Health Maintenance Organization (HMO) plan  Monthly plan premiums starting at $0 in many markets  Access to a network of nearly 100,000 doctors nationwide  Preferred Provider Organization (PPO) plan  Access to in-network or out- of-network doctors  Stay in-network to reduce your out-of-pocket expenses  No referrals required  Private Fee-For-Service (PFFS) plan  These are non-network plans  Access services from any doctor or hospital that is eligible to receive payment from Medicare and accepts Aetna Medicare terms and conditions Aetna Medicare Advantage Plans (MA) Page 6

All Medicare prescription drug plans must be at least as good as or better than the federal base benefit Federal Medicare Prescription Drug Base Benefit Page 7 95% Medicare / Plan Contribution 5% Enrollee Co- insurance 100% Enrollee Payment at Aetna Discounted Rate Coverage Gap 75% Plan Contribution 25% Enrollee Co-insurance $295 Enrollee Deductible $0 $2,700 $6, $295 Total Drug Expenditures $0 $ $4,350+ $295 Enrollee Out-of-Pocket Expenditures

Aetna also offers stand-alone Medicare prescription drug plans.  Aetna Medicare prescription drug plans are open formulary, meaning they cover all Medicare Part D prescription drugs*  All plans have $0 deductibles for preferred generic prescription drugs  The variety of prescription drug features included in our plans may include:  No deductible  Aetna Rx Home Delivery ®*  Specialty Pharmacy  Coverage gap protection * * Subject to precertification, step therapy and quantity limits. Aetna Medicare Prescription Drug Plans (PDP) Page 8

Aetna Medicare Advantage Prescription Drug Plans (MA-PD) Page 9  Aetna Medicare Advantage plans offer medical and prescription drug coverage in one plan  One company, one number to call, one premium (in addition to your Part B premium)  Our Medicare Advantage plans may cost less than Medicare supplements  Our Medicare Advantage medical plans with prescription drug benefits may be cost effective compared to paying for separate Medicare supplement and prescription drug plans Medicare Advantage Plans (MA) Medicare Prescription Drug Plans (PDP) Medicare Advantage Prescription Drug Plans (MA-PD)

 Aetna Medicare Advantage plans that combine medical and prescription drug coverage offer comprehensive benefits for one monthly Medicare Advantage plan premium  Aetna Medicare Advantage plans with prescription benefits are open formulary, meaning they cover all Medicare Part D prescription drugs*  There are a variety of features included in our Medicare Advantage plans with prescription drug coverage, such as:  Over 59,000 pharmacies throughout the U.S.  Aetna Rx Home Delivery ®, which mails prescription drugs to your door  Pay a 2-month copay for a 3-month supply of covered prescription drugs  Our Specialty Pharmacy provides access to highly specialized drugs and clinical advice from pharmacists  No generic prescription drug deductible  Plans with $0 copays for preferred generic prescription drugs  Plans with varying types of coverage gap protection * Subject to precertification, step therapy and quantity limits. Aetna Medicare Advantage Prescription Drug Plans (MA-PD) Page 10

Why Aetna Medicare Advantage? The Aetna Answer SM

Page 12  Over 150 years of health insurance experience and service, including 40 years of Medicare experience  All-in-one plans that incorporate Medicare benefits and more:  Routine and preventive services covered at a $0 copay  Predictable copays  Emergency coverage worldwide  Medicare prescription drug coverage available with features such as gap coverage to suit your needs  Additional Benefits :  Lifestyle Coaching. Helps you develop a specific health improvement program based on your needs. To qualify for the smoking cessation, weight management or healthy living package, you must complete three phone call sessions with a coach.  Healthy Fitness. Free membership at a participating fitness center nationwide.*  Hearing-aid allowance  Eyewear allowance*  Cancer screening reminders. For breast, colorectal and cervical cancers.  Annual preventive reminders. Regular mailers that help you to remember to get your flu shots and other vaccinations.  Optional dental benefits through an Aetna dental supplemental plan.* Why Aetna Medicare Advantage? * Available with most plans.

Page 13  Aetna Extras SM at no extra cost:  Vision discounts. Up to 40% off the retail prices of eyeglass frames, savings on all types of lenses and up to 15% off Lasik procedures.  Discounts on dental services.* Discounts on exams, x-rays, cleaning and polishing, fillings, crowns, root canals, minor denture adjustments and more.  Aetna Weight Management SM Program. Discounts on weight-loss programs and products from Jenny Craig ®, one of the largest weight management firms worldwide.  Aetna Natural Products and Services SM Program. Discounts on over-the-counter vitamins, herbal and nutritional supplements and natural products, plus reduced rates* from chiropractors, acupuncturists, massage therapists and nutritional consultants. Aetna Extras SM * Available with most plans.

Page 14  Aetna Medicare Advantage plans include tools to help you manage your health.  Online tools:  Aetna Navigator TM helps you understand how your coverage is working for you.  Personal Health Record allows you to securely manage your personal health information online and access the information you and your doctor need to make informed decisions about your health.  Aetna InteliHealth ® provides helpful wellness and healthy lifestyle information.  Phone tools:  Informed Health ® Line is a toll-free 24-hour telephone service that puts you in touch with experienced registered nurses. Managing your health

Page 15 The Aetna Answer SM is an integrated Medicare Advantage plan with prescription drug coverage. With this plan you will receive medical and prescription drug coverage, plus more benefits than you typically get with the Original Medicare Plan alone Medical & Prescription Drug Coverage Choices What do you want in a health plan? Original Medicare Med Supp* PDPMA MA-PD Medical Coverage XXX X Extra Medical Coverage XX X Prescription Drug Coverage* X X Optional Dental Coverage X X Aetna Extras SM XX X Total Integrated Solution X * Prescription drug coverage available only to H, I, or J Medicare supplement policy holders who enrolled prior to December 31, The Aetna Answer SM

Page 16 Optional Supplemental Dental Benefit Large Selection of Doctors Leading Customer Service Emergency Coverage Anywhere Over 150 Years of Experience Simple Plan Designs Low or No Monthly Plan Premium Medicare Prescription Drug Coverage Aetna Extras SM Predictable Copayments Get all the coverage you need with an Aetna Medicare Advantage plan. Why Aetna Medicare Advantage?

How do I enroll? Enrolling is as simple as 1 – 2 – 3. Enrollment Process

Page 18 Complete the enrollment form. Step 1 Mail your completed form to Aetna. Hand in your application, or… Review your enrollment kit and select a plan. Enrollment Step 3Step 2 Enrolling is as simple as 1–2–3. Once you know that you are eligible for the plan, follow the steps below. You can also enroll online at

Page 19  Initial Enrollment Period (IEP) – the 7-month period surrounding your Medicare eligibility, including the three months prior to your 65 th birthday, the month of your 65 th birthday and the 3 months after your 65 th birthday.  Annual Election Period (AEP) – Nov. 15 through Dec. 31  Enroll in the 2009 plan of your choice for a Jan. 1 effective date  Open Enrollment Period (OEP) – Jan. 1 through March 31  Allows one limited plan change to the same type of plan * You may qualify for a Special Election Period (SEP) – ask your Aetna Representative. Important dates to remember Annual Election Period Open Enrollment Period 1/1/09 OEP begins 12/31/08 AEP ends* 11/15/08 AEP begins 3/31/09 OEP ends* November 2008January – March 2009December 2008

Do you have any questions? Thank you, we look forward to serving you. For additional information, you can also contact Medicare at MEDICARE or Medicare.gov. Welcome to Aetna

Page 21 Benefits coverage is provided by Aetna Health Inc., Aetna Health of California Inc., Aetna Health of Illinois Inc. and/or Aetna Life Insurance Company, which are Medicare Advantage organizations with a Medicare contract, and benefits, limitations, service areas and premiums are subject to change on January 1 of each year. This material is for informational purposes only. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Pharmacy clinical programs such as pre-certification, step therapy and quantity limits may apply to your prescription drug coverage. Providers are independent contractors and are not agents of Aetna. Aetna does not provide care or guarantee access to health services. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Discount programs provide access to discounted prices and are not insured benefits. You must be entitled to Medicare Part A and continue to pay your Part B premium and Part A, if applicable. ©2008 Aetna Inc (10/08)