CIGNA INCENTIVE PROGRAMS Fully integrated. Expertly designed. Real results.

2 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna REALITY CHECK 1 tobaccofreeflorida.com/english/facts/know 2 medicinenet.com/script/main/art.asp?articlekey= Cigna/Yankelovich U.S. Consumer Survey, 2008 Behavior change can be successful and sustainable with the right motivation. the good news:. 8 attempts smokers make before quitting 1 Changing behavior takes time 13% don’t even try to change an unhealthy behavior 3 People are reluctant to take the first step 41% lose weight and gain back more after one year 2 Relapse is common

3 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna CHANGE BEHAVIORS FOR BETTER HEALTH AND SAVINGS 1. Dr. Raphael Ray Levey, Chairman, Global Medical Forum Foundation Cardiovascular Event Average Monthly Cost: Milliman’s review of MedStat MarketScan TM Commercial Data 2004 Trended to “An Unhealthy America: Economic Burden of Chronic Disease” – 2010 Hypertension direct/indirect costs PPPY. PHYSICAL INACTIVITY Service manager quits smoking, starts walking and avoids a stroke > Save $5,176/month 2 CHRONIC CONDITION Head of finance avoids chronic high blood pressure through exercise, nutrition and stress management > Save $1,116/year 3 POOR NUTRITION Ten people in sales department lose 25 lbs. and bring weight into a healthy range > Save $5,760/year 2

4 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna ACTIONS EMPLOYERS SHOULD TAKE KEYS TO SUCCESS FOR BEHAVIOR CHANGE CHANGE UNHEALTHY BEHAVIORS FOR GOOD Incentive Design Know Your Audience Motivate them with meaningful rewards. Link rewards to activities that support people in achieving their unique health goals. Connect with people where they are and when it’s convenient for them. And do it often. Culture of Health Make Rewards Easy To Earn Communicate Often Incentive Design Know Your Audience Cigna Engagement Best Practices

5 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna INCENTIVES DRIVE BETTER HEALTH ENGAGEMENT AND SAVINGS 1. 15th Annual National Business Health Group/Towers Watson Employer Survey on Purchasing Value in Healthcare, "Predicted participation rates in wellness activities by company incentives, standards, culture and communication tactics.", Page 8, Figure Cigna Study – Results for Your Health First (Chronic Condition Coaching Program), along with aggressive incentive program, e.g., premium reduction offered upon engagement. Savings vary based on population health risks. Health Advocacy Programs Incentives RESULTS + = save up to for every invested for high risk, chronic populations 2 $1$1 $2$2 higher employee engagement 1 in: health assessments biometric screenings health coaching when combined with $350 incentive 2-4x

6 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna TOTAL INTEGRATION – HOW INCENTIVES WORK Our health advocates and service agents have a 360° view into what incentives customers are eligible for, so we can encourage, educate and support them at every touch point. SERVICE ONLINE PRODUCT Customers have access to an online dashboard that allows them to track available incentives and those that have been earned along with status of reward processing. 1 Cigna Health Advocacy Programs Chronic Condition Support Lifestyle Management Programs (Weight, Stress, Tobacco Cessation) Healthy Pregnancies, Healthy Babies ® We offer a breadth of incentive activities to drive engagement in health advocacy programs. 1

7 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna BEST PRACTICE ENGAGEMENT RESULTS Our incentive programs are working, and we have the numbers to prove it. Cigna best practice clients have achieved “high engagement” in the following programs Cigna Analysis Incentives Book of Business. 1.15th Annual National Business Group on Health/Towers Watson Employee Survey on Purchasing Value in Health Care Health Assessment Biometric Screening Coaching By Phone Online Coaching % engagement Industry 2 Cigna best practice 58–83% 48–100% 50 10–20% 11 23–40%

8 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

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10 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

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