3. Insurance coverage underwritten by UniCare Life & Health Insurance Company. Registered Mark and SM Service Mark of WellPoint, Inc. 2005 WellPoint, Inc.

4. Introducing...........

5. Michigan Individual Plans Individual plans are grouped into three categories; Individual plans are grouped into three categories; UniCare PPO Plans UniCare PPO Plans The Saver Plan The Saver Plan High Deductible Health Plans (HSA-Compatible) High Deductible Health Plans (HSA-Compatible)

6. Six (6) UniCare PPO Plans offering the following deductibles: Six (6) UniCare PPO Plans offering the following deductibles: –$5,000- $1,500 –$3,000- $1,000 –$2,000- $ 500 The UniCare Saver 2000 Plan The UniCare Saver 2000 Plan Four (4) High Deductible Health Insurance Plans (HDHP) for Health Savings Accounts (HSAs) Four (4) High Deductible Health Insurance Plans (HDHP) for Health Savings Accounts (HSAs) Dental Plans Dental Plans Term Life Coverage Term Life Coverage Individual Plan Choices

7. Lifetime maximum of up to $5 million per member Lifetime maximum of up to $5 million per member FamilyFlex ® FamilyFlex ® Each family member can have a different plan Each family member can have a different plan Preventive Care Preventive Care Out-of-Pocket Maximums provide protection against catastrophic expenses Out-of-Pocket Maximums provide protection against catastrophic expenses MedCall® and HealthyExtensions sm programs MedCall® and HealthyExtensions sm programs No claim forms with network providers No claim forms with network providers Our Individual Medical Plans Offer

8. – UniCare PPO Plans – UniCare Saver Plan – UniCare High Deductible Health Insurance Plans(HSA-Compatible) Michigan Individual Plans

9. UniCare PPO Plans UniCare PPO Plans –Consisting of six (6) plans with selected deductibles and varying co-insurance, these plans offer rich and valuable benefits; yet they are competitively priced.

11. – UniCare PPO Plans – UniCare Saver Plan – UniCare High Deductible Health Insurance Plans(HSA-Compatible) Michigan Individual Plans

12. Individual UniCare Saver 2000 Plan Features This is a hospital plan with two office visits and some limited outpatient pharmacy and lab & xray This is a hospital plan with two office visits and some limited outpatient pharmacy and lab & xray Benefits include 2 office visits to participating providers per member per year before deductible is met at a $30 Copay Benefits include 2 office visits to participating providers per member per year before deductible is met at a $30 Copay Preventive care benefit Preventive care benefit

13. Individual UniCare Saver 2000 Plan Benefits $2,000 medical deductible $2,000 medical deductible UniCare pays 70%, you pay 30% for inpatient facility and eligible professional charges UniCare pays 70%, you pay 30% for inpatient facility and eligible professional charges $200 Brand Name drug deductible $200 Brand Name drug deductible $500 Drug Maximum, per member per year (in- and out- of network) $500 Drug Maximum, per member per year (in- and out- of network) Two office visits per member per year Two office visits per member per year Drug Co-pays: Retail ( 30 days supply ) $10 for Generic with No Deductible No Deductible $30 for Brand Name Formulary Formulary $50 for Brand Name Non-formulary Non-formulary

14. – UniCare PPO Plans – UniCare Saver Plan – UniCare High Deductible Health Insurance Plans(HSA-Compatible) Michigan Individual Plans

15. Health Savings Accounts ( HSAs ) Health Savings Accounts are not insurance policies, but separate agreements between an eligible individual and a qualified financial institution. For convenience, UniCare has partnered with JPMorgan Bank, N.A. (Chase) who can offer this service to you, however, it is not a requirement to use the Chase HSA to apply for UniCares HDHP. You may establish your account with any qualified financial institution. First a word about HSAs...........

16. Health Savings Accounts ( HSAs ) President Bush signed into law on December 8 th as part of the Medicare RX bill ( Eff. 1/1/2004 ) President Bush signed into law on December 8 th as part of the Medicare RX bill ( Eff. 1/1/2004 ) Who is eligible to open an HSA? Who is eligible to open an HSA? Anyone who is covered under a High Deductible Health Plan (HDHP) Anyone who is covered under a High Deductible Health Plan (HDHP) Generally anyone under the age of 65 (not Medicare eligible) Generally anyone under the age of 65 (not Medicare eligible) Cannot be claimed as dependent on another persons tax return Cannot be claimed as dependent on another persons tax return Not covered by any other health plan Not covered by any other health plan

17. What are the contribution rules and tax treatment of an HSA? An HSA is generally exempt from tax (like an IRA) as long as a HDHP exists An HSA is generally exempt from tax (like an IRA) as long as a HDHP exists Contributions may be made annually up to the lesser of the HDHP deductible amount or $2650 Contributions may be made annually up to the lesser of the HDHP deductible amount or $2650 Individuals, employees or employers may contribute to the HSA account Individuals, employees or employers may contribute to the HSA account The HSA account is owned by the individual, not an employer The HSA account is owned by the individual, not an employer Withdrawals may be made without tax consequences to pay for medical expenses and in some instances for insurance premiums Withdrawals may be made without tax consequences to pay for medical expenses and in some instances for insurance premiums Un-used account balances may carry over from year to year Un-used account balances may carry over from year to year Health Savings Accounts (HSAs)

18. More information regarding HSA Administration Services can be found on the following Web sites: More information regarding HSA Administration Services can be found on the following Web sites: –www.hsainsider.com www.hsainsider.com –www.nahu.org www.n UniCare/WellPoint Integrated HSA Program through Chase Bank UniCare/WellPoint Integrated HSA Program through Chase Bank Health Savings Accounts (HSAs)

19. What is an HDHP? In order to qualify for an HSA, you must be enrolled in a qualified HDHP. An HDHP is a health insurance plan that meets the following U.S. Treasury requirements: In order to qualify for an HSA, you must be enrolled in a qualified HDHP. An HDHP is a health insurance plan that meets the following U.S. Treasury requirements: –Annual Deductible of at least $1,000 ($2,000 family) –Annual Out of Pocket not in excess of $5,100 ($10,200 family) –No first dollar benefits-Deductible must apply to all benefits High Deductible Health Plan (HSA-Compatible)

20. UniCares High Deductible Health Insurance Plans consist of four (4) plans with selected deductibles and varying co- insurance which, when coupled with a Health Savings Account, offers premium savings, tax advantages*, and investment opportunities. UniCares High Deductible Health Insurance Plans consist of four (4) plans with selected deductibles and varying co- insurance which, when coupled with a Health Savings Account, offers premium savings, tax advantages*, and investment opportunities. High Deductible Health Plan (HSA-Compatible) *UniCare does not offer tax advice. For further information please consult your attorney or qualified tax advisor.

23. UniCares Dental Insurance Plan provides affordable coverage for dental care including: Access to quality care at discounted fees Access to quality care at discounted fees A wide range of dental services for preventive, diagnostic, basic and major dental care A wide range of dental services for preventive, diagnostic, basic and major dental care Freedom to choose any dentist Freedom to choose any dentist Additional savings for visiting an independently contracted, in-network dentist Additional savings for visiting an independently contracted, in-network dentist Annual deductible of $50 per person or $150 per family, waived for preventive and diagnostic services performed by a contracted dentist Annual deductible of $50 per person or $150 per family, waived for preventive and diagnostic services performed by a contracted dentist

25. Affordable Term Life Insurance Individual Term Life insurance is available to anyone who qualifies for one of our medical plans Individual Term Life insurance is available to anyone who qualifies for one of our medical plans Easy to apply for: Have applicant check the box on application form and complete the Term Life Insurance Application Addendum Easy to apply for: Have applicant check the box on application form and complete the Term Life Insurance Application Addendum

26. Marketing Strategies 70% of those in the market dont have a Life insurance agent 70% of those in the market dont have a Life insurance agent Window of opportunity: people dont buy Term Life insurance unless YOU sell them Term Life insurance Window of opportunity: people dont buy Term Life insurance unless YOU sell them Term Life insurance Sound financial planning; Term Life is a financial safety net for your clients and those who depend on them Sound financial planning; Term Life is a financial safety net for your clients and those who depend on them

28. Key Features to Look For in an Agent Agreement Future renewals based on commission schedule in force when case was written. Renewals paid for as long as case is in force. Ownership and assignment provisions.

29. Our Commitment to You: Your UniCare Agent Agreement Ownership contract Ownership contract (six cases issued) Corporations can be licensed Corporations can be licensed UniCare does not accept agent of record changes on individual business UniCare does not accept agent of record changes on individual business

30. UniCare Competitor UniCare Competitor Plans Plans Plans Plans First Year Commission* 20%? First Year Commission* 20%? Renewal Commision* 10%? Renewal Commision* 10%? Contract Ownership Yes!? Contract Ownership Yes!? Free Quoting Software Yes!? Free Quoting Software Yes!? Access to Underwriters Yes!? Access to Underwriters Yes!? AgentOnline/AgentConnect Yes!? AgentOnline/AgentConnect Yes!? UniCare: Compare the difference! * Based on level 1 premium

31. Example of individual production at one case per week. one case per week. Average premium of $150 per case, 20% commission 20% commission first year-accruing scale. Month 1$120 Month 2 $240 Month 3$360 Month 4$480 Month 5$600 Supplemental Income

32. Thank Y U forAttending for Attending