1. CBIA Health Connections April 26, 2007

2. Presentation Overview l CBIA Health Connections – Who we are l Choice, Choice, Choice l Rating l What we do - Administration / Technology l Challenges and Considerations

3. CBIA Health Connections l Introduced Jan. 1, 1995 l 4 Health Plan choices l 6000 companies l 88,000 members l Agent / Broker distributed

4. CBIA Health Connections l Employee Choice Model Purchasing Group

5. CBIA Health Connections l Standard Benefits with Health Plans l Employee Chooses the Insurer Price Network Formularies

6. CBIA Health Connections l Plan of choice for the owner l Business loves competition l Never have to “switch” l Consolidated administration / bill l Global budgeting for the employer l Employee gets choice

7. CBIA Health Connections l Employers eligible (3-100) l Multi Vendor (4 Health Plans) CIGNA, ConnectiCare, Health Net, United Healthcare l Employee Choice (38 options) l Standard Plan design

8. Pricing l CT - Small case reform laws Age Rating (5 year) Gender Area Family Tiers No Rating Bands / underwriting Reinsurance Pool

9. CBIA Health Connections l 2 Suites of Plan Design Options HC - 24 options HMO $10, $20, $30 POS $10, $20, $30 HC2 - 38 options HMO $20, $20/40, $30/45 POS $20, $20/40, $30/45 HSA’s, HRA’s

10. CBIA Health Connections l Shift by Plan Type l Shift by Benefit Level

11. Administration / Technology l CBIA Health Connections looks like one large employer but there are a lot of details……

12. Administration l Distribution Materials – Web & Print Proposal (benchmark plan) Decision Tools - CDHP Plans Training Website Information Employee, Employer & Broker Online transaction Wellness / Lifestyle

13. Employer Global Pricing l Ability to benchmark the most cost effective option of a plan design l Set employer contribution based on that plan

14. Specify a Contribution Strategy

15. The Employee Specific Illustration shows choices based on the contribution strategy

16. Administration l Administration Billing (consolidated) Collection / Late Notice Reconciliation (receivable at EE level) Remittance Eligibility Customer Service / CRM Data Sync Commissions / 1099’s

17. Business Partners & Customers Request Mediums CBIA Carriers Agents Employers Employees E-Mail Paper Web Phone Fax Contact Managemt Billing & Admin Health Plans Ancillary Carriers Customer Service Data Entry Agent Reps Action & Follow-up Request Coordination CBIA HC Administration Workflow

18. Administration l Proposal presentation l Meet market practices l Information must be in Health Plan systems l Financial integrity

19. The Changing Market l Cost Pressures l Legislative Challenges l Healthcare Cost Pressures l Consolidation of Health Plans l Consumer Driven Options l Wellness / Lifestyle

20. CBIA Health Connections l Why HC works in the Private Sector: Company’s wary of government involvement Common benefits (standardized but not exact) Other services i.e Life, STD, LTD, Dental, COBRA, Section 125, HRA’s, HSA’s Ability to change and adapt quickly Utilization management and reporting Wellness initiatives Communications