Trustmark Affinity Markets A Powerful Combination for Success

Agenda Introductions and Purpose Trustmark Overview Association Value Proposition to Membership Features –Comprehensive Program Program Summary Q & A

Trustmark Overview Trustmark Affinity Markets and Starmark are divisions of Trustmark Life Insurance Company. Rated “A-” (Excellent) by A.M. Best, the industry’s most-watched analyst of financial stability Began in 1913 as the Brotherhood of All Railway Employees A health insurance and benefits administration leader More than $1.74 billion in assets More than 5,000 employees Two million policyholders Mutual holding company managed for the benefit of policyholders

Trustmark Affinity Markets Advantages More than 50 years of association experience Smart, easy way to offer members comprehensive, affordable healthcare coverage Participating member groups join together to obtain coverage Starmark is celebrating their 25 year selling and servicing the small group market this month

Value Proposition – Association Level Long term partnership and solution Offering Flexible product designs, with Personal service, from a Trusted carrier Scheduled reviews and strategy sessions to develop programs that meet the needs of the Association

Value Proposition – Member Group Member group receive a fully insured Starmark contract (2+ employees) 1000’s of Medical Plan Combinations available –$250-$10,000 deductibles –100/80 – 60/40 coinsurance –$5,000 - $20,000 coinsurance limits –$20, $30 and $40 office visit encounter fee –Five RX card co-pay options –Large groups (100+) have even greater flexibility

Health Management Health Management Solutions –Health & Wellness Outreach –Care Champion –MyNurse 24/7 –MaternaLink –Quarterly e-newsletter –Online Decision Tools Health A-Z Hospital Quality Guide Rx Price Comparison Physician Quality Guide

Cost Containment Access to extensive, nationwide physician and hospital networks, including Aetna Signature Administrators SM (ASA) PPO Network, plus more than 20 regional networks Caremark/CVS Pharmacy benefits Lab services through Quest Diagnostics Case Management Centers of Excellence Fraud Protection Easy, paperless enrollment with Express Connect

Indiana PPO networks Aetna ASA First Health PHCS – Multi Plan Health Link Sagamore

Member Underwriting Member Groups are underwritten using the following –Current census of employees –Plan selection –Group / Area demographics –Network chosen –Medical conditions –Claims experience will be used to underwrite larger groups (100+)

Express Connect Unique paperless individual underwriting –Streamlines process –10 minute average interview –No tracking down paper applications –Safeguarded confidentiality and medical information gathered during the process –Accurate premium rates reflecting health status –Enrollment card completed during the process –English and Spanish on site, 177 other languages through a language line

Marketing Developed to enhance membership value. “Brought to you by Association” Surveying of member base to determine needs prior to kick-off blasts Website links / landing pages Customized proposals Available to the group’s current broker

Lead Generation Process Marketing materials mailed/ ed in advance of calls Lead generator contacts the member firm and captures: –Renewal date –Group size –Characteristics (census) –Current carrier Trustmark sales consultant will work with group’s current broker, if desired –Educates on association program Quote presented to group If interested, group proceeds to paperless enrollment via Express Connect Final rates presented

10 Great Reasons to Choose Starmark® 1. Affordable coverage through flexible health plans employers can customize to meet their needs and budget, including HSA-friendly plans. 2. Strong network access and in-network discounts with access to national and regional PPO networks, plus network access while outside the primary PPO area. 3. CareChampion 24/7® health advocacy program to help employers and members navigate the healthcare system. 4. Healthy Foundations®, a comprehensive suite of health and wellness management tools, helps maximize the health potential of every plan member. Plus, plans include a discount program for vitamins, and vision and hearing services/supplies. 5. Easy enrollment online or via telephone through Express Connect®.

10 Great Reasons to Choose Starmark® 6. Seamless integration of claims processing and HRA administration with the Starmark HRA. 7. Unparalleled personal service, including a personal welcome call for each new group. Plus, Starmark follows up to ensure customer satisfaction continues throughout the year. 8. Small group specialist, small business is our only business 9. Convenient online tools help producers sell new groups and retain existing business. 10. Quick access to information through makes plan administration easy for employers. Plus, members can view claims and a summary of benefits, as well as access tools and information to better manage healthcare costs.

Trustmark Affinity Markets An Affinity for Excellence Thank you