2. New York’s only CO-OP. Consumer Operated and Oriented Plan 501(c)29 non-profit organization, a signature program of the Affordable Care Act Over half our board are enrollees, elected by enrollees Monitored and audited by state and federal government Profits are mandated to go toward lowering premiums and improving benefits 2 Our focus is where is should be — on our members.

3. 3 Our regulatory oversight. Certificate of authority under article 43 of the New York State Insurance Law Certified as a Qualified Health Plan on the New York State Health Benefit Exchange for 2014 and 2015 Contracts with U.S. Center for Consumer Information and Insurance Oversight — stipulates how we operate and how funds are used

4. 4 Our partners. Network MagnaCare Extra Additional PCMH-certified FQHCs and ACOs More than 70,000 providers Medical and Claims Management The POMCO Group (URAC Accredited) Based in Syracuse, NY Pharmacy Benefits Manager US Script (URAC Accredited) Billing and Enrollment Morneau-Shepell

5. 5 The Counties we Serve. AlbanyOntario BronxOrange ChautauquaOrleans ColumbiaPutnam DelawareQueens DutchessRensselaer ErieRockland EssexSaratoga GreeneSchenectady HamiltonStaten Island KingsSuffolk ManhattanSullivan MonroeUlster NassauWarren NiagaraWashington OnondagaWestchester

6. Our products. 6 All products meet or exceed requirements for Essential Health Benefits under the Affordable Care Act and New York State All preventive services recommended by the U.S. Preventive Services Task Force are available at no charge The drug formulary includes at least two choices in every category, as required in the Essential Health Benefits package

7. PrimarySelect Benefit Design Highlights 7

8. 8 PrimarySelect. Our Signature Programs Builds a beneficial, proactive relationship between each member and his/her preferred providers PLUS Removes barriers of access for important treatments $0 co-pays for primary physician visits, and selected mental health and diabetes support services Reduction of co-insurance to improve access to care Back-end deductible for Platinum, Gold and Silver metal tiers; co-pays for physician visits applied to deductible

9. 9 Deductibles and Maximums PlatinumSilver Deductible (Single)$0$2000 Max Out of Pocket Limit (Single)$1400$6350 Cost Sharing (Co-Insurance)20% Cost Sharing-Medical Services PlatinumSilver Inpatient/SNF/Hospice-Facility (per admission) Coinsurance after Deductible is Met Physician/Surgeon Fee (Inpatient)- (Co- Pay after Deductible) $100 Outpatient FacilityCoinsurance after Deductible is Met Surgeon (Outpatient)Coinsurance after Deductible is Met Primary Care (Member selected)$0 Other Primary Care$15$30 Specialist$75 PT/OT/ST$30 ER (Co-Pay after Deductible)$250 Ambulance (Co-Pay after Deductible)$100$150 Urgent Care (Co-Pay after Deductible)$100 PRIMARYSELECT

10. 10 Outpatient Services PlatinumSilver Diagnostic and Routine Lab and Pathology $75 Diagnostic and Routine Imaging$75  Mental/Behavioral Healthcare (Selected) $0  Diabetic Care and Supplies$0 Chemotherapy$15$30 Radiation Therapy$15$30 Dialysis$15$30 Home Health Care$15$30 Prescription Drugs PlatinumSilver  Tier 1 (Selected Generics)$0 Tier II (Other Generics)-After Deductible$35 Tier III (Brand and Specialty)- After Deductible $70 PRIMARYSELECT

11. 11 Enhanced member support. Discounted access to: Fitness centers throughout the state 40 different types of complementary and alternative providers, including nutritionists, massage therapists, and mind-body practitioners Patient support program: Wellness Navigators to help link members to well-matched providers and community resources Reminders, notifications and alerts for both preventive and chronic care needs Linkage to case management for high-risk members

12. Competitive Advantage 12 Image FPO

13. 13 Our niche. We are focused on the small business market that has not received sufficient attention from health insurers. 9 plans statewide serving small groups on the New York Exchange Consumer Operated and Oriented (CO-OP) Plan Members vote for Board and make decisions Reasonable administrative expenses Right-sized, resourceful organization Benefits decrease barriers and increase access to care Primary physician relationship encouraged Members represent members.