DRIVING HEALTH CARE CONSUMERISM VIA TRANSPARENCY

TODAYS ENVIRONMENT. High deductible health plans Narrow networks Tiered networks and plan designs Cost variability Rising health coverage costs Consumers are expected to make informed choices

WHAT IF THERE WAS A TOOL… That helped consumers know the cost of a procedure? And their share of the cost? Compared the cost for the same procedure at different places of service? By different providers? That helped consumers understand that they have choice in where they receive care? That provides “shopping advice” on how to save on care? Available to them in their home or office or on the go? A TOOL DESIGNED TO KEEP YOUR HEALTH CARE COSTS DOWN

EMBEDDED IN FIND A DOCTOR Quality Provider information Physician & Hospital Patient Reviews Cost Cost of Care Estimates Shoppable procedures Savings alerts Experience Engagement strategies Personalized messages WHAT IF THE TOOL WAS WHERE THEY WERE ALREADY LOOKING FOR INFORMATION?

…AND WHAT IF THE TOOL WAS POWERED BY ROBUST NATIONAL DATA? The Blues have a distinct advantage in providing transparency tools due to the breadth and depth of data available 96% of Hospitals and 92% of Physicians 100 Million Lives Every ZIP in the US Unparalleled Consumer Research Deeper Insights

AND THE TOOL FOCUSED ON “SHOPPABLE” PROCEDURES Total Coverage (Vol % of Shoppable) SpringFallSpringFallSpring Short Term +256 new TCs Additional 113 procedure detail Additional 87 new category costs 54 new treatment categories Plus new chronic conditions methodology 86% 424 treatment categories Long Term +213 additional new TCs Apx % 617 treatment categories

TRANSPARENCY SOLUTION. Available Now FIND A DOCTOR PLATFORM Treatment cost estimator (170+ procedures) Physician quality Physician recognition Hospital quality measures Blue distinction centers Patient reviews of physicians Mobile-enabled site Spanish Available May 2013 MEMBER OUT OF POCKET Additional procedures added to treatment cost estimator Member-specific cost estimator Customer service integration Displays SelectAccount ® balances Procedure-specific messaging Standard Solution AVAILABLE AT NO ADDITIONAL COST

BLUE CROSS’ STANDARD SOLUTION VS. THE COMPETITION. Transparency vendor capabilities vary *UHC and Aetna have selected geographies FeatureBlue CrossCompetition National treatment cost estimator (claims/network pricing)  * Out of pocket estimator (benefits and accumulator integration)  Quality — physician and hospital  Patient review of physician  Embedded in plan find a doctor tool  Mobile  Customer service integration 

QUESTIONS?