Welcome to Medicare Prescription Drug Coverage Discussion Topics  What is Medicare?  What is the Medicare Prescription Drug Plan benefit?  Can I also get Medical coverage?  How do I enroll? S5810_7D_80805 (03/2009) The Aetna Answer SM

Page 2 What is Medicare?  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

Page 3  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 – is 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?

What is the Medicare Prescription Drug Plan benefit? Understand the benefit

Page 5 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 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 $0 $ $4,350+ $295 Enrollee Out-of-Pocket Expenditures

Page 6  Aetna Medicare prescription drug plans are open formulary, meaning they cover all Medicare Part D drugs*  All plans have $0 deductibles for preferred generic prescription drugs  The variety of prescription drug features in our plans may include:  No deductible ▪ Aetna Rx Home Delivery ® *  Specialty Pharmacy▪ Coverage gap protection *  The Aetna Medicare Rx Plus SM Plan is currently available through Costco in these states: AK, AZ, CA, CO, FL, HI, ID, IL, MI, NM, NV, NY, OH, OR, UT, VA, WA Aetna Medicare Rx Essentials SM Plan Aetna Medicare Rx Plus SM Plan Aetna Medicare Rx Premier SM Plan  Alternative to Medicare base drug benefit  $0 generic tier deductible  Predictable cost-sharing with $0 or low generic prescription drug copay  Discounted generic and brand prescription drugs within the coverage gap  All Part D prescription drugs covered by Medicare are available*  $0 deductible  Predictable cost-sharing with $0 preferred generic copay  $10 preferred generic copay in the gap; other Part D prescription drugs discounted in the coverage gap  All Part D prescription drugs covered by Medicare are available*  Generic Benzodiazepines and Barbiturates  $0 deductible  Predictable cost-sharing with $0 preferred generic drug copay  $10 preferred generic, $25 non- preferred generic copay in the coverage gap  Discounted brand prescription drugs in the coverage gap  All Part D prescription drugs covered by Medicare are available*  Generic Benzodiazepines and Barbiturates * Subject to precertification, step therapy, and quantity limits. Aetna Medicare Prescription Drug Plans (PDP)

Page 7  You can find the Aetna drug plan that best meets your needs at  Compare plan options  Check for nearby pharmacies that accept Aetna negotiated discounts for prescription drugs  Over 59,000 pharmacies throughout the United States  Aetna Specialty Pharmacy provides access to highly specialized drugs and clinical advice from pharmacists  Aetna Home Delivery ® mails prescription drugs to your door at a savings  Pay a 2-month copay for a 3-month supply of covered prescription drugs  Pharmacists available at toll-free line for clinical advice  Detailed prescription drug list (also called a formulary):  Find our printable formulary guide at  Request a printed version  Access to discounts on services and value-added benefits Aetna Medicare Prescription Drug Plans (PDP)

Page 8  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.  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 and reduced rates from chiropractors, acupuncturists, massage therapists and nutritional consultants.  Online tools such as:  Aetna Navigator TM helps you understand how your coverage is working for you.  Aetna InteliHealth ® provides helpful wellness and healthy lifestyle information. Aetna Extras SM

Can I also get medical coverage? The Aetna Answer SM

Page 10  You may find our Medicare Advantage plans cost less than Medicare supplements  Aetna also offers Medicare Advantage plans that combine medical and prescription drug coverage in one, easy-to-use plan (MA-PD)  You may find our Medicare Advantage medical plans with prescription drug benefits (MA-PD) are cost effective, compared to paying for separate Medicare supplement and prescription drug plans  All of our Medicare Advantage plans are administered by one company, with one number to call Medicare Advantage Plans (MA) Medicare Prescription Drug Plans (PDP) Aetna Medicare Advantage Plans (MA) Medicare Advantage Prescription Drug Plans (MA-PD)

Page 11 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. * Prescription drug coverage available only to H, I, or J Medicare supplement policy holders who enrolled prior to December 31, The Aetna Answer SM 2009 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

Page 12 Leading Customer Service Over 150 Years of Experience Simple Plan Designs Low or No Monthly Plan Premium Prescription Drug Coverage Aetna Extras SM Predictable Copayments Get all the coverage you need from Aetna Medicare. Why Aetna Medicare?

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

Page 14 Complete the enrollment form. Step 1Step 2 Mail your completed form to Aetna. Step 3 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 Hand in your application, or… Review your enrollment kit and select a plan. Enrollment 1 –2 – 3

Page 19 Page 15 *You may qualify for a Special Election Period (SEP) – ask your Aetna Representative.  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 plan of your choice for a Jan. 1 effective date Important dates to remember Annual Election Period 12/31 AEP ends* 11/15 AEP begins November 2008December 2008

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

Page 17 Benefits coverage is provided through Aetna Life Insurance Company, a Medicare Prescription Drug Plan Sponsor 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, if not otherwise paid for under Medicaid or by another third-party. You must reside in the Aetna Medicare Prescription Drug Plan service area. © 2008 Aetna Inc (10/08)