1. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Colby College Welcome to Open Enrollment Plan year: 1/1/2011-12/31/2011 Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA

2. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Today’s Discussion: * 2011 Benefit Plan Updates * Healthcare Reform Changes * Vision Benefits * Health and Wellness Resources and Tools * Customer Service Support * Consumer-Driven Health Care Overview * Questions and Answers We are easy to work with. We protect you from the unexpected. We help you be well and live well. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA 2

3. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA 2011 Medical Plan Options - Open Access In-Network - Open Access Plus - Choice Fund – Health Savings Account Key Features/Advantages No Primary Care Physician required ( optional ) No Referrals required for specialist ( in-network providers ) Access to National Network/CareLink Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA

4. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA What’s Changing? Open Access Plus In-Network Plan - Adding $250 Individual Deductible/$500 Family Deductible ­Adding 90%/10% Coinsurance ­Removing $100 Emergency Room Copay ­Removing $50 Advanced Radiology (MRI, MRA, CAT, PET Scans) Copay 2011 HealthCare Reform Changes -Unlimited Lifetime Maximums (currently in place for all plans) -Preventive Care Covered 100% -Dependent Coverage to Age 26 No Additional changes to the Open Access Plus Plan or Choice Fund Savings Account Plan 3

5. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA 2011 Plan Changes Open Access In-Network Plan Benefit20102011 DeductibleNone$250 Individual/$500 Family Coinsurance100%90%/10% Preventive Care$20 or $25 copay100% Advanced Radiology (MRI, CAT, PET Scans) $50 per scan copay90% after plan deductible Emergency Care$100 copay90% after plan deductible

6. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Medical Plan Highlights Open Access Plus In-Network Plan Open Access Plus Plan In-Network OnlyIn-NetworkOut-of-Network Deductible – what you pay before the plan pays Cross Accumulation $250 Individual $500 Family $500 Individual $1000 Family $500 Individual $1000 Family Coinsurance after Deductible (cost share)90% after deductible80% after deductible60% after deductible The most you will pay next year out-of-pocket Cross Accumulation $1250 Individual $2500 Family $1500 Individual $3000 Family $1500 Individual $3000 Family Lifetime maximumUnlimited Preventive Care Office Visit Copayment Routine Care Office Visit Copayment 100% $20 Primary Care Physician/$25 Specialist Copay 100% $20 Primary Care Physician/$20 Specialist Copay In-network coverage only 60% after deductible

7. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA 2011 Open Access In-Network Plan Changes Open Access Plus In-Network Plan Open Access Plus Plan In-Network OnlyIn-NetworkOut-of-Network Inpatient Hospital/Outpatient Facility Services 90% after plan deductible 80% after deductible 60% after deductible Emergency Room/ Urgent Care 90% after plan deductible 80% after deductible 80% after deductible if a true emergency; otherwise 60% after deductible Lab and Radiology Services 90% after plan deductible 80% after deductible 60% after deductible Short-Term Rehab (PT/OT/ST) $25 per office visit copay $20 per office visit copay 60% after deductible Chiropractic Care $25 per office visit copay $20 per office visit copay 60% after deductible

8. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Prescription Plan Highlights I Open Access In-Network PlanOpen Access Plus Plan Retail 30-day supply ME Retail/ Mail Order 90- day supply Retail 30-day supply ME Retail/ Mail Order 90- day supply Generic$10$20$10$20 Preferred Brand$30$60$25$50 Non-Preferred Brand $50$100$40$80

9. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Open Access In-Network Plan Claim Examples Outpatient Day Surgery – Inland Hospital Submitted charges $4,500. CIGNA Network Discount $1,100. $3,400. Deductible Not Met, applied $ 250. Member paid $3,150. 90% coinsurance applied $2,835. CIGNA paid 10% coinsurance applied $ 315. Member paid Total member responsibility $ 565 ` Member has met $565. of their out of pocket maximum for the calendar year, with a remaining balance of $685. Once the $685 has been met, all future Inpatient/Outpatient services will be covered at 100%. Outpatient Xray – EMMC Submitted charges$ 675. CIGNA Network Discount$ 105. $ 570. Deductible not met $ 250. Member Paid $ 320. 90% coinsurance applied$ 288. CIGNA paid 10% coinsurance $ 32. Member paid Total member responsibility$ 282.

10. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Vision Plan Highlights In Network Coverage Out of Network ReimbursementFrequency Calendar Year Exam Copay$20N/A Exam allowance One every 24 months Covered in Full$45 allowance24 months In-Network Coverage Includes One vision and eye health evaluation including but not limited to eye health examination, dilation, refraction, and prescription for glasses. Vision Network Savings Program Minimum 20% savings on additional purchases of frames and/or lenses, including lens options, with a valid prescription; offered savings does not apply to contact lens materials. Check with your CIGNA Vision Network eye care professional for details.

11. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA 24/7 Online Health Account Management Personalized and secure online account tool Review plan coverage levels Track claims and payments Pay providers online via Quicken Health Expense Tracker Order an ID Card Research Prescription Alternatives My life is busy. How do you help me understand and track my health care expenses? 19

12. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Whether I’m healthy or have a serious health condition. What can you do to make my life easier? Easy-to-use, confidential health assessment gives you an overall health “score” and a personalized report Online coaching programs help you maintain a healthy lifestyle 100% coverage for wellness checkups, immunizations and preventive screenings A personal health advocate to help you prepare for office visits, improve your lifestyle and reduce your health risks, explore and choose treatment options, and answer health and coverage questions Healthy pregnancy education programs with March of Dimes  helps every baby get a healthy start. A dedicated health advocate to help you manage your health condition, treatment options and self-care Programs to help you better manage stress, quit tobacco or lose weight Order at-home prescription delivery by phone or online. Save an average 31% per prescription and get free shipping Compare prescription drug costs – brand vs. generic, retail vs. at-home delivery. Online drug- interaction checker helps you keep track of prescription medications and avoid interactions 23

13. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Need Help Understanding Your Medical Plan Options? Contact the Pre-Enrollment Information Line 1.800.401.4041 24 hours a day, 7 days a week For assistance during Open Enrollment and after you are enrolled

14. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Choice Fund Health Savings Account Plan Underlying Medical Plan Open Access Plus

15. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA No copayment due at time of visit 100% preventive care covered (includes periodic well visits, routine immunization and screenings)* Account can be used to pay the deductible Cap on out-of-pocket expenses for in-network care Unused dollars rollover to next year * Refer to Preventive Care Flyer for recommended Well-Child Care and Adult Care I’ve heard these Health Savings Account plans are unique. How is this different from a traditional plan?

16. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA A tax advantaged health plan that provides coverage for current medical/pharmacy expenses and allows the option to save for future health expenses. Combines a Qualified Medical Plan (medical/pharmacy coverage) with a Health Savings Account. You, your employer or both can contribute to the Health Savings Account. Money deposited into the Health Savings Account is generally not taxable. You have the option to invest the money into interest-bearing investment vehicles. Interest on these investments is also not taxable. What Is a Health Savings Account (HSA) plan? + = Qualified Medical Plan Tax Advantaged HSA Plan

17. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA *In/Out-of-Network Coverage Level How does an HSA work? IndividualFamily Out-of-Pocket Max 100% after $3000/$6000* Deductible $1,500/$3000* Health Coverage 80%/60%* Preventive Care 100% Deductible Out-of-Pocket Max 100% after $6000/12000* Deductible $3,000/$6,000* Health Coverage 80%/60%* Preventive Care 100% Deductible Contributions can be used to pay for current year qualified health expenses or saved to pay for future health expenses Contribution $750 Employer + Employee $ Contribution $1500 Employer + Employee $

18. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Because HSA Plans have special tax advantages, the IRS defines specific rules on participation. To be eligible you: Must be enrolled in a qualified HSA medical plan (CIGNA Choice Fund is a qualified medical plan) Cannot have any other health coverage Not covered by spouse’s medical or pharmacy plan Not covered through Medicare Part A or Part B Not covered through a general-purpose Flexible Spending Account (FSA) plan (either Employer’s or Spouse’s) Cannot be claimed as a dependent on another person’s tax return Am I eligible to participate in a HSA plan?

19. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA What is the maximum I can contribute annually to the HSA? Because HSAs offer special tax advantages, the IRS puts limits on the maximum amount that can be contributed to the account: Under age 55 and not enrolled in Medicare: (based on a 12 month period) up to $3,050 individual coverage* up to $6,150 family coverage* Age 55 or older: Maximum contribution increases by $1,000 (considered a “catch-up” contribution) up to $4,050 individual coverage* up to $7,150 family coverage* To make the maximum contribution in a calendar year, you must: Meet all requirements to be eligible for HSA contributions on January 1 Remain qualified through December 1 If these criteria are not met, maximum contribution is prorated = 1/12 maximum contribution for each month individual is qualified *Employer contributions reduce the maximum an employee can contribute by an amount equal to the contribution. 8

20. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Medical Plan Highlights Choice Fund – Health Savings Account (Open Access Plus underlying medical plan) SingleFamily Combined Medical & Pharmacy Deductible – what you pay before the plan pays* Cross Accumulation $1500 In-network/ $3000 Out-of-network $3000 In-network/ $6000 Out-of-network Coinsurance after Deductible 80% In Network/ 60% Out-of-Network 80% In Network/ 60% Out-of-Network Office Visit CopaymentN/A Out-of-pocket maximum** Cross Accumulation $3000 In-network $6000 Out-of-network $6000 In-network $12000 Out-of-network HSA contribution from employer$750 ($62.50 per month)$1500 ($125.00 per month) Lifetime maximumUnlimited *Deductible- If enrolled in a family plan, all family members contribute to the family deductible which must be satisfied before the plan coinsurance is applied to any family member’s claims. ** Out-of-Pocket Maximum- If enrolled in a family plan, all family members contribute to the family out-of-pocket maximum which must be satisfied before any family member’s claims are covered at 100%.

21. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Prescription Plan Highlights I want a plan that provides protection from the unexpected. How do you protect me financially? CIGNA Choice Fund ® with Health Savings Account*** Retail 30-day supply Retail/Mail Order 90-day supply 10% coinsurance, after plan deductible 20% coinsurance, after plan deductible 30% coinsurance, after plan deductible ***Preventive Drugs covered at 100%, no plan deductible Medical Conditions include Hypertension, High Cholesterol, Diabetes, Asthma, Osteoporosis, Stroke, Prenatal Nutrient Deficiency.

22. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Karen Single, in her 50s Heart disease; controlling health through medication Looking to save money for future health expenses HSA Deposits by Karen $1500 by Employer $750 Preventive Care $ 398 ER Visit $2,600 4 PCP Visits $ 320 Generic Rx (12) $ 288 Brand Rx (3) $ 240 Medical Expenses $3,448 How Expenses Are Paid Preventive $ 398 (100% by Plan) Applied to deductible $1,500 $1948 Paid by Plan (80%) $1,558.40 Paid by Karen (20%) $ 389.60 *In/Out-of-Network Coverage Level Out-of-Pocket Max 100% after $1,500/$3,000* Deductible $1,500/3,000* Health Coverage 80%/60%* Preventive Care 100% Deductible Contribution $750 Colby + Employee $1500 Total HSA Contribution $2,250.00 What Karen Paid from HSA $1,889.60 Remaining HSA Balance $ 360.40 Paid from Karen’s Fund Deductible $1,500.00 20% Coinsurance $ 389.60 Karen’s Premium Contribution ($26 x 12) $ 312.00 Total Annual OOP $2,201.60* *Colby Contributed $750 towards Deductible

23. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Karen’s Claim Example on Open Access In-Network Plan Preventive Care $ 398 ER Visit $2,600 4 PCP Visits $ 320 Generic Rx (12) $ 288 Brand Rx (3) $ 240 Medical Expenses $3,448 How Expenses Are Paid Paid by Plan (coinsurance, balance on $2,115 office visits and Rx) Paid by Karen (ded., coins., copays) $ 775 Karen’s Premium Contribution ($46x12) $ 552 Total Annual Out of Pocket $1,327 What Karen Paid $0 copay $250 deductible; $235 in coinsurance $ 80 in copays $120 in copays $ 90 in copays $ 775. Total Paid Out of Pocket

24. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Karen’s Claim Example on Open Access Plan Preventive Care $ 398 ER Visit $2,600 4 PCP Visits $ 320 Generic Rx (12) $ 288 Brand Rx (3) $ 240 Medical Expenses $3,846 How Expenses Are Paid Paid by Plan $2,631 (coinsurance, balance on office visits and Rx) Paid by Karen $1,215 (ded.,coinsurance and copays) Karen’s Premium contribution ($55x12) $ 552 Total Annual Out of Pocket $1,767 What Karen Paid $0 copay $500 Deductible plus $420 coinsurance $ 80 in copays $120 in copays $ 75 in copays $1,215 Total Paid Out of Pocket

25. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA 24 Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Before opening the account, JPMorgan Chase will: Verify your identity (required by the Federal government) using information provided in the HSA application and enrollment Notify you if additional documentation to verify name, social security number or address is needed JPMorgan Chase will send your HSA information and a debit card within 7-10 days of the start of the plan year or the verification of identity (whichever is later) ID Cards are mailed from CIGNA, Debit cards are mailed separately from JPMC I need help enrolling. How do I open an HSA Bank Account?

26. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA How Does Money in the HSA Get Used? Employee decides how and when to use the money. Four ways to access money in the HSA to pay for qualified medical expenses: Automatic Claim Forwarding (employee selects at enrollment). In this scenario, CIGNA will automatically pay eligible medical expenses from the employee’s Health Savings Account. This option is not available for behavioral or pharmacy claims. Checkbook. Employees can use the Choice Fund checks to pay for out-of-pocket expenses (deductibles and coinsurance). Debit Card. Employees can use the Mastercard ® branded debit card to pay for out-of-pocket expenses. The card can also be used to get cash at ATMs to reimburse themselves for qualified expenses they paid with other personal funds (e.g., didn’t have debit card/checkbook with them at doctor visit so paid in cash). Online Bill Pay 13

27. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA What Are My HSA Investment Options? $2,000 minimum in HSA to invest Once the investment account is open, no minimum balance applies Eight mutual funds from which to choose Investments can be allocated into one fund or multiple funds No minimum deposit for any fund Tax-free growth of interest or investment earnings Monthly fees apply Online trading – no fees apply Track your balance online or with convenient monthly statements

28. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Health Care Reform Impacts on HSAs Dependent Coverage – 9/23/2010 The change in dependent coverage does not apply to HSA funds HSA Funds can only be used for the eligible expenses of tax dependents The extension of coverage to age 26 does apply to the qualifying medical plan Over-the-Counter Drugs – 1/1/2011 Purchases of most over-the-counter drugs and medicines on or after January 1, 2011 cannot be reimbursed without a doctor’s prescription and store receipt Some eligible items, such as insulin, diabetic and first aid supplies, will not require a prescription You should keep a copy of the prescription and receipt for tax purposes The same prescription can be used for purchase of a specific medicine for up to 12 months (subject to change if additional guidance is issued by government) IRS Penalty increase on HSAs – 1/1/2011 The tax penalty on HSA distributions that are not used for qualified expenses will increase from 10% to 20% of the disbursed amount HSA funds can only be used for eligible expenses of tax dependents – even if an adult dependent is covered by the health plan, if that dependent is not claimed as a tax dependent, any expenses paid by the HSA will be subject to tax penalties

29. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNAConfidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Helping you be well and live well.

30. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA 24/7 Online Health Account Management Personalized and secure online account tool Review plan coverage levels Check available balances Track claims and payments Get HSA bank account information Manage investment accounts via link to JPMorgan Chase My life is busy. How do you help me understand and track my health care expenses? Hello Karen 1515 Tools to find and compare cost and quality care Manage Bank Account Manage Medical Plan Logged in as: Karen Smith At-A-Glance Account Summary Karen Smith 19

31. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA Compare Pharmacy Pricing on myCIGNA.com Pharmacy Plan – Prescription Drug Price Quotes Features Learn actual prices you’ll pay Compare cost between retail pharmacies and CIGNA Tel-Drug home delivery See cost for generic equivalent, if available

32. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA THANK YOU for your time! Questions? The Plan is easy to work with. It protects you from the unexpected. We help you be well and live well. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA