1. priorityhealth.com Priority Health Medicare The choice is easy. NCMS_6000_6014_A 05092013

2. priorityhealth.com 25+ years of health care experience in Michigan Priority Health is a nationally recognized health benefits company. We consistently rank among the nation's top health plans for quality and service #1 Medicare plan in the state 19,000+ providers– including the University of Michigan Health System 57,000 pharmacies nationwide. 98% of pharmacies in the U.S. are in our national network Priority Health is health plan with a Medicare contract. Great reasons to choose us

3. priorityhealth.com High Employer involvement low – simply wants to assist Medicare-eligibles with transition into individual coverage Mid Employer contributes money/stipend and Medicare-eligibles choose desired individual coverage (MAPD or Medigap plan) Low Employer sponsors coverage for Medicare-eligibles via an MAPD plan – technically known as Employer Group Waiver Plan (EGWP) Employer-sponsored options:

4. priorityhealth.com Why choose a Priority Health Medicare plan? Control rising health care costs with our growing portfolio of high quality, affordable Medicare plans. Offer competitive benefits to both retired employees and those looking forward to retirement.

5. priorityhealth.com Three great reasons to choose Priority Health Medicare #1 Improve your bottom line Save 10 – 15% by moving people 65 and older away from your group plan without sacrificing the quality of their benefits. Drug plan administration handled by Priority Health now that Affordable Care Act removed your Retiree Drug Subsidy (RDS).

6. priorityhealth.com Three great reasons to choose Priority Health Medicare #2 Enhance your benefits Retain the best employees by adding an employer- sponsored Priority Health Medicare plan to your overall benefits package.

7. priorityhealth.com Three great reasons to choose Priority Health Medicare #3 Plans for employers of all sizes Choose from two standard Medicare Advantage plans with enhanced hospitalization benefits, prescription drug coverage in the “donut hole” and worldwide coverage for urgent and emergency care. No minimum employer contribution necessary for companies of 20 or more employees. We can create custom plans for (companies with 100 or more employees).

8. priorityhealth.com Our members love us! More individuals choose Priority Health Medicare Advantage plans over any other plan in Michigan* Our individual PriorityMedicare Value SM (HMO-POS) and PriorityMedicare SM (HMO-POS) plans were awarded 4.5 stars (out of 5) by the Centers for Medicare and Medicaid Services** Our plans received the highest accreditation status of "Excellent" from the National Committee for Quality Assurance (NCQA). *According to January 2012 - April 2013 monthly enrollment reports from the Centers for Medicare and Medicaid Services. **Plan performance star ratings are assessed each year and may change from one year to the next.

9. priorityhealth.com Our group Medicare Advantage plans Offer additional benefits beyond what you get with Original Medicare Include prescription drug coverage with no “donut hole” and a home delivery option Coverage in the United States and around the world Have predictable out-of-pocket expenses Include doctor visits and hospital coverage Don’t require a referral to see a specialist Local, exceptional customer service

10. priorityhealth.com Standard plan benefits Benefits in-network PriorityMedicare (HMO-POS) BasicPriorityMedicare (HMO-POS) Enhanced Annual deductible$250$0 Doctor/specialist office visit $15/$30 copayment$10/$25 copayment Inpatient medical hospital care $0 copayment Emergency/urgent care $65/$45 copayment$65/$40 copayment Diagnostic tests and lab services $0/$150 copayment$0/$100 copayment Preventive care $0 copayment for all preventive services covered by Original Medicare $0 copayment for an annual physical exam

11. priorityhealth.com Standard plan benefits Benefits in-network PriorityMedicare (HMO-POS) (basic)PriorityMedicare (HMO-POS) (enhanced) Part D prescription drug coverage (31- day retail copay/ coinsurance) $15 for generics $50 for preferred brand $80 for non-preferred brand 20% specialty up to $150 maximum $10 for generics $40 for preferred brand $70 for non-preferred brand 20% specialty up to $100 maximum Includes coverage through the coverage gap Hearing $0 copayment for routine hearing tests, including Medicare-covered diagnostic hearing exams. An office visit copayment may apply. $300 allowance for hearing aids every three years $0 copayment for routine hearing tests, including Medicare-covered diagnostic hearing exams. An office visit copayment may apply. $200 allowance for hearing aids every three years Vision $30 copayment for Medicare-covered exams to diagnose and treat diseases and conditions of the eye. $60 allowance for eye wear every two years. $25 copayment for Medicare-covered exams to diagnose and treat diseases and conditions of the eye. $0 allowance for eye wear every two years.

12. priorityhealth.com Medicare Advantage eligibility Individuals must have both Medicare Part A and Part B to enroll Must be a permanent Michigan resident and reside in our service area for at least six months of the year. May temporarily be outside the service area for 6 months or less

13. priorityhealth.com Enrollment periods & eligibility Mid-year enrollment may lower your group’s average age and positively impact your renewal premium. Enrollment changes (elections) made on the group’s renewal date thereafter.

14. priorityhealth.com Simple 4 step process MAPD Group Agreement MAPD Eligibility Verification Form 30-day Notification Letter PriorityMedicare MAPD Group Enrollment Form Get started: *Contact your account manager for MAPD quotes for Mid- and Large-size groups.

15. priorityhealth.com Mid Employer contributes money/stipend and Medicare-eligibles choose desired individual coverage (MAPD or Medigap plan) Employer-sponsored options: Low Employer involvement low – simply wants to assist Medicare- eligibles with transition into individual coverage

16. priorityhealth.com Our Individual Medicare Advantage plans PriorityMedicare Value SM (HMO-POS) PriorityMedicare SM (HMO-POS) PriorityMedicare Merit SM (PPO) PriorityMedicare Select SM (PPO)

17. priorityhealth.com

18. 2013 Individual Priority Health Medicare Advantage premiums Premiums range from $0 to $154* Vary by county and plan Refer to the Summary of Benefits in your individual packet for premium information *You must continue to pay your Medicare Part B premium

19. priorityhealth.com Individual MAPD benefits Benefits In-network PriorityMedicare Value (HMO-POS) PriorityMedicare (HMO-POS) PriorityMedicare Merit (PPO) PriorityMedicare Select (PPO) Annual deductible$0 $325 combined in and out of network $0 PCP/specialist office visit $20/$45 copayment$15/$40 copayment$30/$45 copayment$20/$40 copayment Inpatient medical hospital care $800 copayment per hospital stay $130 copayment per day (days 1-5) $0 copayment per day (days 6+) $250 copayment per day (days 1-5) $0 copayment per day (days 6+) $125 copayment per day (days 1-5) $0 copayment per day (days 6+) Emergency/urgent care $65/$50 copayment Lab services and diagnostic tests $0-$175 copayment$0-$100 copayment$0-$150 copayment$0-$100 copayment Preventive care $0 copayment for all preventive services covered by Original Medicare $0 copayment for an annual physical exam The benefits information provided is a brief summary, not a complete description of benefits. For more information contact Priority Health Medicare.

20. priorityhealth.com Individual MAPD benefits Benefits In-network PriorityMedicare Value (HMO-POS) PriorityMedicare (HMO-POS) PriorityMedicare Merit (PPO) PriorityMedicare Select (PPO) Part D prescription drug coverage (31- day retail copay/ coinsurance) $9 for generics $40 for preferred brand $90 for non- preferred brand 33% specialty $8 for generics $35 for preferred brand $80 for non- preferred brand 33% specialty $10 for generics $45 for preferred brand $90 for non- preferred brand 33% specialty $8 for generics $40 for preferred brand $85 for non- preferred brand 33% specialty Dental coverage Includes 1 annual preventive oral exam and 1 annual dental cleaning. 50% coverage for one set of dental x- rays annually. $45 copay for Medicare covered dental benefits. Includes 1 annual preventive oral exam and 1 annual dental cleaning. 50% coverage for one set of dental x- rays annually. $40 copay for Medicare covered dental benefits. Not applicable Includes 1 annual preventive oral exam and 1 annual dental cleaning. 50% coverage for one set of dental x- rays annually. $40 copay for Medicare covered dental benefits.

21. priorityhealth.com Individual MAPD benefits Benefits In-network PriorityMedicare Value (HMO-POS) PriorityMedicare (HMO-POS) PriorityMedicare Merit (PPO) PriorityMedicare Select (PPO) Enhanced Dental coverage for $17 a month in addition to your monthly plan premium 100% coverage for 2 annual preventive oral exams and 2 annual dental cleanings. 100% coverage for one set of dental x-rays annually. 50% coverage for endodontic services. 50% coverage for minor restorative fillings. Not applicable100% coverage for 2 annual preventive oral exams and 2 annual dental cleanings. 100% coverage for one set of dental x-rays annually. 50% coverage for endodontic services. 50% coverage for minor restorative fillings. Silver&Fit Free fitness club membership or at-home fitness kits

22. priorityhealth.com Affordable - plans as low as $100 a month Give you access to any Medicare provider in the U.S. Generally have no copays at the time of service Help pay some of the health care costs that Original Medicare doesn’t cover Have low out-of-pocket expenses Automatically process and pay claims to providers 2 Preferred rates apply for beneficiaries who are in their Open Enrollment Period or who have Guaranteed Issue Rights, or who may qualify if they meet certain medical criteria. Non-Standard rates apply for those not in their Open Enrollment Period or don’t have Guaranteed Issue Rights; also based on health status and tobacco use. Why choose a Priority Health Medigap plan?

23. priorityhealth.com Plan APlan DPlan FPlan N Hospitalization (Medicare Part A copays plus coverage for 365 additional days after Medicare benefits end) Covered Skilled nursing facility care ( Part A daily copays) Covered Medicare Part A deductible: $1,156 Covered Medicare Part B deductible: $140 Covered Medigap benefits

24. priorityhealth.com Plan APlan DPlan FPlan N Outpatient hospital services (Part B coinsurance) Covered 100% after copay/coinsurance of up to $20 office visit & up to a $50 ER visit Medicare Part B excess charges Covered Hospice care ( Part A coinsurance & copays) Covered Blood (First 3 pints under Parts A & B) Covered Foreign travel emergency services 4 Covered Medigap benefits 4 Lifetime maximum of $50,000 on care received outside the U.S.

25. priorityhealth.com Plan F: 65 year old Female, Guaranteed Issue Kent, Ottawa$120 Grand Traverse, Livingston, Monroe$129 Genesee, Ingham, Macomb, Oakland, Saginaw, Washtenaw, Wayne$132 Kalamazoo, Muskegon, St. Clair $136 Medigap Premium Example

26. priorityhealth.com Eligibility requirements Beneficiaries must be eligible for Medicare Part A and enrolled in Medicare Part B Must be a permanent resident of Michigan and physically reside in the state for six months of the year Can’t have more than one Medigap plan Can’t have a Medigap and an MAPD plan at the same time Neither Priority Health Medigap plans nor agents authorized to sell Priority Health Medigap plans are connected with or endorsed by the United States government or the federal Medicare program.

27. priorityhealth.com Questions?