1. 1 1 A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. © 2012. All rights reserved.

2. Blue Care Connection Program Portfolio 2 Wellness ● A key part of Blue Care Connection ®

3. Our new wellness is for Everyone More robust, completely integrated A new way to experience wellness New packaged programs More flexible product components Increased breadth of channel delivery Targeted segment approach for employers More engaging online and mobile presence Enhanced, insightful use of member information Accessible to all employees regardless of health plan 3 Introducing

4. o Free preventive care o Cash or prizes o Lower premiums o Discount gyms o Programs offered are for the ‘less than healthy’ o Limited access to resources of interest to them o Making time to engage is challenging Why Are We Changing? 4 These findings lead us to a new wellness solution…

5. Our Wellness Product Suite Web Portal Health Screening and Assessment Client Reporting Worksite Wellness o onthemark Healthy Worksite consultation o ondemand client website o Fitness center services o Strategy consulting o Program coordination o Member personalized communications o ROI o Online access Weekly utilization reporting o Aggregate reporting o Dedicated coaching o Multiple modalities o Liveon portal o Health Assessment o Self-directed courses o Wellness coaching o Trackers o Health articles o Fitness Program o Social networking o Text messaging o Life Points o onmyway TM Health Assessment o Personal Wellness Report o Biometric screenings o One on one coaching o Oncourse ® o Events and seminars o Online workplace competitions o Health fairs Wellness Coaching Client Engagement, Management, and Staffing Engaged, accountable employee *Package and buy-up dependent 5

6. ondemand Client Resources Health Challenges Client Website Reporting Newsletters Engagement 6

7. Healthy Worksite Wellness Consultation* Wellness Consultants: Designated wellness consultant to provide strategic wellness planning to build a multi-year strategy to help: o Analyze claims data, culture and value of wellness at the organization o Raise awareness of health risks o Motivate people to reduce their risks o Change attitudes to reshape corporate culture o Increase demand for appropriate health services o Improve consumerism to maximize value of health care benefits Engagement Strategy o Tailored for your unique population o Coordinates all Wellness efforts o Includes a targeted communications campaign o Promotes health program engagement o Produces measurable results 7 * Buy-up option available with BCC Enhanced or Custom.

8. Liveon Participant Portal o Member Dashboard o Health Assessment o Self-Directed Courses o Trackers and Tools o Health & Wellness Content o Social Networking o Text Messaging o Food and Exercise Diary o Life Points o Fitness Program Portal Highlights 8

9. Health Assessment o Integrated within the portal o Adaptable o Scientifically-based action steps o Drives engagement with self-directed courses and coaching o Data collected at end of first module and at completion o Personal wellness report 9

10. Integrated Wellness Coaching*, Goals & Trackers o Coaches interact with members via Web –View participant trackers –Secure messages –Push digital content o Mobile settings allow for text reminders 10 Built-in with BCC Enhanced level, or available with Custom

11. Comprehensive Wellness Coaching* Our Wellness Coaches address health topics relevant to the entire population, including: Health TopicClinical Assessment Nutrition Diet quality (balance, variety and overall consumption of food groups) Nutrition score based on 2010 Dietary Guidelines Physical Activity Aerobic activity (moderate and vigorous intensity) Strength training Flexibility and stretching exercises Stress Management Self-reported stress level Perception of stress (PSS-4) Readiness to change, self-efficacy and barriers are also assessed. 11 Built-in with BCC Enhanced level, or available with Custom

12. onmytime Self-Directed Courses Milestone Assessments 12

13. Remember When You Called Exercise Play? * Gamification Individual and group challenges Easy to use Real-time analytics Employers can create their own custom challenges 13 Built-in with BCC Enhanced level, or available with Custom

14. Health & Wellness Interactive Tools and Resources Symptom Checker Articles & Tools Food & Exercise Diary 14

15. Our Fitness Programs Our Fitness Program offers membership to a national network of leading national, regional and local fitness centers for one low monthly price of $25 and no contract. Introducing: Corporate Onsite Fitness Center Program* Facility onsite Tracking of usage by members Access through Blue Access for Members or Wellness universal page Earn Life Points as you work out at work $45.30 Average monthly fee for access to one brand of fitness centers. International Health, Racquet & Sportsclub Association 15 Buy-up option with BCC Enhanced or Custom

16. Biometric Screenings o Integrated member experience o On-site screening with flexible model –Flow model –Single station –Flexi-mobile o Near-site screening –Voucher o Personal physician –Physician Screening Form 16

17. Personalized Wellness Communication* “Campaigns of One” Multimodal communication provides a stronger connection Personalized member communication delivers measurable outcomes 17 Built-in with BCC Enhanced or with Custom, additional buy-up options available.

18. Life Points o Get more with Life Points o Instant recognition o Enhanced member experience o Offerings that earn points –Biometric screenings (voucher and on-site) –Health Assessment –Self-directed courses (5 courses) –Fitness Programs –Tracking 18

19. o Health fair displays o Immunization events Flu immunization o Educational classes and webinars o Worksite wellness allowance Plan year benefit Balance billing Flexibility around employer Wellness initiatives Worksite Wellness Events * *Package and buy-up dependent 19

20. More reporting in 2013 with consistent content, appearance and schedule To be added: BCC Executive Summary Report or BCC “Lite” Report– quarterly Client Level Monthly Member Participation Report – monthly Annual Health Assessment Aggregate Report – annual BCC Executive Summary Report will begin transition to a member-centric approach This approach will incorporate ROI, beginning with average study findings and moving towards true ROI reporting Wellness Reporting Integration 20

21. The Big Picture Strategy, planning and coordination onthemark Healthy worksite consultation Integration with care management and incentives EngageEngage MotivateMotivate SustainSustain MeasureMeasure Liveon Wellness portal ondemand Client engagement website Personalized communications onsite Events Biometric screenings onmyway ™ Health Assessment gameon Health challenges Fitness Program onmytime Self-directed courses onmyteam Dedicated health coaching Reporting and analytics with online access PlanPlan 21

22. Wellness Features Retiring o Liveon Health Portal replaces Personal Health Manager –No historical data will transfer to new wellness portal. Members who wish to print or save information will need to visit the site before 12-31-2012 o Expanded Health Assessment integrated with Liveon portal –No historical data will transfer to new tool. Members who wish to print reports or certificates of completion will need to do so by midnight on 12-31-2012 o Life Points replaces Blue Points SM program –Valid Blue Points balances as of 1-1-2013 will migrate to the Life Points portal within 1Q 2013 What will not migrate? Kids' Stamp program (ages 6-12) and Teen Points program (ages 13-17) must be redeemed by midnight on 12-31-2012 Blue Points history and detailed information for members 18+ will no longer be available after 12-31-2012 22

23. In sickness and in health. 23