1. 40962-G-1011 COPAY SELECT SM VALUE WITH SUPPLEMENTAL ACCIDENT RIDER Copay Select SM Value provides pricing flexibility. Value Packaging allows for significant cost savings.

2. 40962-G-1011 Copay Select SM Value What is a common deciding factor when purchasing a health insurance plan? Plan Design Network Name Recognition Price

3. 40962-G-1011 Copay Select SM Value Allows for Pricing Flexibility What is Copay Select SM Value 4 Doctor Office Visit Copays $15 Generic Rx Copay Card 70/30% Coinsurance 24% Savings

4. 40962-G-1011 Price Flexibility Deductible & Coinsurance Sample Rate $5,000, 80%; unlimited $35 DOC & 4-tier Rx copay$331.53 $7,500, 80%; unlimited $35 DOC & 4-tier Rx copay$282.08 $10,000, 80%; unlimited $35 DOC & 4-tier Rx copay$241.41 Husband & Wife Age 35 with one child, age 10, Preferred I rate, Orlando FL 32891

5. 40962-G-1011 4 Doctor Visit Copays Why 4 Doctor Office Visit Copays? Two doctor office visits on average is 2 per member* Additional doctor office visits covered, subject to deductible and coinsurance *All plans except Saver plans in a twelve month period ending September, 2010 Preventive care visits are covered and do not count toward office visits!

6. 40962-G-1011 Generic R X Coverage? Nearly 80% of FDA-approved drugs have generic counterparts. 1 75% of total prescriptions dispensed are generic. 2 Information from HHS. IMS Health Website, April 2010 Why $15 Generic Rx Copay?

7. 40962-G-1011 70/30% Coinsurance Why 70/30% Coinsurance? Reduces premium Same copay applies Significant provider discounts can reduce the likelihood of meeting a calendar year deductible

8. 40962-G-1011 Copay Select SM Value Why ? Lower Premium Same Preventive Care Benefit Deductible Credit applies 24% Savings

9. 40962-G-1011 Copay Select SM Value vs. Competitor 1* Copay Select SM Value provides flexibility Copay Select SM Value $5,000 Deductible $35 Copay (4) 70% Coinsurance Competitor 1 $5,000 Deductible $40 Copay 80% Coinsurance Monthly Premium $254$312 Specialist Dr. Visit Copay $35$60 Deductible Credit? YesNo Emergency Room Copay $100**$700 *Preferred I rate, husband and wife age 35 with 1 child. Zip 32891. Rate as of 10/01/2011 **Applies for Illness if not admitted. Deductible and Coinsurance apply.

10. 40962-G-1011 Copay Select SM Value When? To bring your client back from “no” When your lead product does not meet your client’s budget Need a lower price point to allow for Supplemental Coverage

11. 40962-G-1011 Supplemental Accident Coverage Helps reduce out of pocket expenses Benefits range from $500-$10,000 Benefits are per person, per accident Helps reduce out of pocket expenses Benefits range from $500-$10,000 Benefits are per person, per accident Applies to: Deductible Coinsurance & Copays Applies to: Deductible Coinsurance & Copays Gives clients confidence in choosing higher deductibles Helps you generate more income

12. 40962-G-1011 Supplemental Accident Client Example, $5,000 Benefit 12 Copay Select Value $5,000 Deductible, 70% Coinsurance, 4 DOC, Generic Rx copay Copay Select SM Value $5,000 Deductible, 70% Coinsurance, 4 DOC, Generic Rx copay Plan pays 70% for covered expenses once deductible is met. $5,000 Deductible $5,000 Supplemental Accident

13. 40962-G-1011 It’s Easy on E-Store Just Three Easy Steps in E-Store to Save! Choose “Copay Select”

14. 40962-G-1011 It’s Easy on E-Store Just Three Easy Steps in E-Store to Save! Step 1: Choose 70/30 in the Coinsurance drop- down menu.

15. 40962-G-1011 It’s Easy on E-Store Just Three Easy Steps in E-Store to Save! Step 2: Choose Generic Only Rx

16. 40962-G-1011 It’s Easy on E-Store Just Three Easy Steps in E-Store to Save! Step 3: Choose 4-Office Visit Copays That’s it!

17. 40962-G-1011 Less Premium can provide MORE E-Store makes quoting easy!

18. 40962-G-1011 Choices You Want. Coverage you Need. ® Justin Clements National Key Broker Account Executive Copyright © 2011 Golden Rule Insurance Company, the underwriter of these plans marketed under the UnitedHealthOne brand. UnitedHealthOne is a brand name used for products underwritten and/or administered by the following Insurance Companies: American Medical Security Life, Golden Rule, PacifiCare Life and Health, UnitedHealthcare. The brand name may also be used for PacifiCare Life Assurance Company products. Plans are medically underwritten. Not for Consumer Use 40962-G-1011