1. Differentiate Using the Power of BHI September 14, 2010 BCBS IM Symposium, Niagara Falls, NY Don Brumfield, Executive Director, BHI Linda Schwank, Director, Enterprise Analytics, HCSC Gretchen Vermeulen, Account Manager, BHI

2. © 2010 BHI® All Rights Reserved. No reproduction without permission. 2 Blue Health Intelligence The nations largest health information data warehouse, bringing together the claims experience of 54 million BCBS members nationwide - HIPAA compliant to protect member privacy Broadest, deepest pool of claims information ever created More than twice the size of next largest data warehouse - with proportionate advantage in accuracy Foundation of the Blues approach to evidence-based healthcare to help deliver higher quality care, improve health and manage costs BHI will deliver data-driven solutions to multiple stakeholders Consumers EmployersProvidersConsultants Government/ Regulatory

3. 290656 3 BHI data warehouse is representative of the commercial group population BHI benchmarks available for MSAs, mapped to U.S. zip codes Unmatched Breadth & Depth Includes claims from over 14 million National Account members

4. © 2010 BHI® All Rights Reserved. No reproduction without permission. 4 Individual and group commercial products Pharmacy Only Products Consumer Direct Products All networks (e.g. BlueCard, local, custom) The working aged, individuals over 65 for which the Plan provides primary or secondary Commercial coverage Retirees with Commercial group coverage, for which the Plan provides primary or secondary Commercial coverage Group health insurance programs for uninsured workers and their families (small businesses, sole proprietors, and individuals) All Plan Exclusive Products - unique products that do not fall into standard industry models. They may be experimental in nature The BHI data contains both medical and pharmacy claims, as well as: Fully Integrated Data Set

5. © 2010 BHI® All Rights Reserved. No reproduction without permission. Functionally Driven Workgroups 5 Account Executive and Sales Leadership Workgroup Medical and Network Management Workgroup Analytic Workgroup Actuarial and Underwriting Workgroup

6. 290656 6 BHI current capabilities span three areas: BHI Tools National (drillable) Medical / Pharmacy BHI Extracts Jumpstart Benchmarks Ad-hoc query capabilities Enterprise reports ADaM Data feed consolidation Segment specific products Research Products

7. © 2010 BHI® All Rights Reserved. No reproduction without permission. ADaM Ad Hoc Report Templates ADaM Enterprise Reports 7 BHI Account Analytic Blueprint BHI Portal provides three (3) tools to identify Account opportunities Jumpstart Industry Account Comparison (plus) Data Source BHI Benchmarks Plan-specific Comparative Statistical Extracts BHI claim- and member-level data Tool / Data Advantages Fastest run-time Pre-calculated benchmark results Completion factors applied to benchmarks and comparative extracts Detailed drill down capabilities to very specific diagnosis, procedure, geography, and provider level Customized comparisons (e.g. Physician Specialty, Place of Service, Group vs. individual, ASO/FI, MSA, etc.) Analytic Value High-level benchmark comparisons for aggregated data Account or SIC to Benchmarks Targeted, customized drill - down analyses Ad hoc plus report templates Account versus All-Plan Pre-defined drill path analyses Additional time and inclusion criteria Pre-calculated ADaM metrics Next fastest run-time Additional level of detail compared to Jumpstart includes diagnosis groups, procedure, and revenue codes

8. © 2010 BHI® All Rights Reserved. No reproduction without permission. 8 Industry Account Comparison Jumpstart Released July 27 Select the following Jumpstart folder to access the reports: Public Folder > Industry Account Comparison Reports Industry Account Comparison (Multi-product options) Industry Account Comparison (PPO) Industry Account Comparison (Single Data Page) Industry Benchmark Report

9. © 2010 BHI® All Rights Reserved. No reproduction without permission. BHI Cost Analyzer 9 Scope of Analysis Identifies top performing accounts on a risk-adjusted basis across BHI dataset Identifies key drivers of top performance Performs comparisons of account data with best-in-class cost performers Provides actionable strategies to help accounts improve cost performance by: –Prioritize cost management initiatives –Evaluate their own performance against comparable top performers

10. HCSC FINDS INCREASING VALUE IN BHI Linda Schwank, Director, Enterprise Analytics, HCSC

11. © 2010 BHI® All Rights Reserved. No reproduction without permission. HCSC Early Adoption: 2009 HCSC introduced BHI analytics into its national account client analytic suite January 2009 Initial deployment referenced BHI account performance against applicable benchmarks, accessible through its customer reporting solution HCSC selected a narrow set of comparative data to best ensure a successful client response Market feedback was entirely favorable

12. © 2010 BHI® All Rights Reserved. No reproduction without permission. HCSC Today With ADaM, HCSC has been able to greatly expand the use of BHI both internally and externally. Providing a large multi-national communications client with aggregated information sufficient to eliminate the clients reliance on third party benchmarking. Evaluating potential savings opportunity across the System related to more stringent enforcement of payment policy guidelines. Drilling into the four digit SIC code, determining that HCSC employee and dependent utilization was on par with the industrys in our geographical domains. Evaluating a vendors savings opportunity estimation for chiropractic and physical therapy management services.