1. Benefit Strategies, Inc. Learn a bit about Us!

2. Today’s Meeting Agenda  Overview  Product Spectrum  RFP Process  Why Benefit Strategies, Inc.

3. Benefit Strategies, Inc. at a Glance Experience Products Expertise Broad spectrum of products and financial arrangements Medical, Dental and Group Insurance Products Voluntary Worksite Portfolio Independent health broker 27 years of industry knowledge In-House Underwriter Consumer Driven Health Focus on Phases of Change Designs for the Future of Healthcare Process Plan Analysis & Design Plan Management & Support Value-Added Technology COBRA, HIPAA, Custom-Web Development, On-Line Enrollment Customers Representing mid-sized employers in the Delaware, Lehigh & Lancaster Valley Area Licensed in 12 states

4. Benefit Strategies, Inc. Our Pledge  Benefit Strategies, Inc. is committed to helping employers and employees seek the highest quality health care solutions in the marketplace.  Our focus is on educating the healthcare consumer at all levels of engagement.  Our promise is to secure the best policy for the best price.

5. Benefit Strategies, Inc. Our Experience  Coletta Robinson, President began career in 1981.  Served on the AETNA Broker Advisory Board for the last 5 years. Recently chosen by AETNA to spearhead Women-Owned Business initiative.  Member of the National Association of Alternative Benefit Consultants (NAABC)  Professional Designation - Alternative Benefit Consultant (ABC)  Member Company - 2008 PHILADELPHIA 100 Business Award

6. Benefit Strategies, Inc. Our Consulting Process Phase I - Strategic Planning  Identify objectives & determine priorities  Survey & gather data  Measure effectiveness of current plans  Evaluate utilization patterns  Establish budgetary goals Phase III - Implementation & Deployment  Roll-Out Plan  Communications  Customized Website  Enrollment Support Tools  On-line Enrollment Module Phase II - Analysis & Procurement  Prepare RFP  Analyze carrier contracts & proposals  Provide recommendations  Focus on efficiencies  Conclude carrier negotiations Phase IV - Review  Proactively monitor plan outcome  Gather satisfaction ratings  Revise.

7. Benefit Strategies, Inc. Product Spectrum Medical Pharmacy Life & Disability Dental Value-added Products and Services

8. Benefit Strategies, Inc. Core Medical Plans HMO Point of Service (POS) Open Access PPO Referral Referral No Referral HMONo Referral No Referral POS NEW APPROACH: Consumer-Directed Health Care Products (CDHC) Health Reimbursement Accounts (HRA) Employer Owned Account Health Savings Account (HSA) Employee Owned Account

9. Benefit Strategies, Inc. Value-added Products & Services Vision FSA Medicare Worksite Voluntary Programs Administrative Services Special Programs Additional Products Employee Life & Disability Dependent Life & Disability Accident Expense Hospital Expense COBRA HR Support Suite & Regulatory Compliance Enrollment Education & Processing On-Line Enrollment Transaction “Be In” Benefit Institute Financial Planning Education

10. Why Benefit Strategies, Inc?  Leader of health care and related group benefits solutions.  Flexible, comprehensive product spectrum  Expertise in the design & deployment of Consumer-Directed Health Care (CDHC) Plans (HRA & HSA)  Value-added products and services  Commitment to technology  Dedicated to achieving balance between quality & price  Focused on efficiencies

11. Benefit Strategies, Inc. Making Sense of the Benefit Puzzle BEGYMLFMDP LODSTSTBEW CPFKSTANBQ ZOHSAYWSIU AFRRAPPETI DCAPSCDHCM MGPKTARPAD ICONSUMERA LPDHQVTRDN COBRASDOSD TPRILOYKTS B E N E F I T S T R AT E G I E S, INC YOURBROKER 6104699107