1. Welcome!

2. Who is IAC? Established 1978 Member of the IHC Group since 2006 Specializing in the development, marketing and administration of fully insured health plans Leader in forward-thinking plan designs Reliable claims payment history www.iacusa.com

3. $1.3 billion in assets 1 million customers Three carriers rated “A-” (Excellent) by A.M. Best NYSE: IHC More than 25 years of life, health and stop-loss insurance experience www.ihcgroup.com

4. New Generations Portfolio Overview Insured by Standard Security Life Rated A- Excellent by A.M. Best

5. Offering the coverage you deserve. Variety of plans Affordable, flexible plan options Choice of prescription drug benefits $1 million calendar year and $5 million lifetime maximums More than 70 PPO networks

6. Deluxe Plan $40 office visit copay Deductibles range from $1,000 to $25,000 50%, 70% or 80% coinsurance Out-of-pocket maximum ranges from $2,000 to $10,000 For individuals looking for traditional, comprehensive coverage

7. Advantage Plan $40 office visit copay Deductibles range from $1,000 to $25,000 80% coinsurance Two separate out-of-pocket maximums $3,000 for medical services and supplies $6,000 for surgery and hospitalization An affordable alternative to the Deluxe Plan that offers lower premiums without sacrificing benefits Save 38%

8. Premier Plan $40 office visit copay $4,000 or 8,000 out-of-pocket maximum $250, $500 or $1,000 daily deductible 100% coinsurance after the daily deductible is met! A smart health plan designed to keep premiums low without exposing clients to high deductibles Save 18 - 50%

9. Copay Plan $500 or $1,000 deductible Once the in-network deductible is met, all covered services are covered by copays $4,000 or $8,000 out-of-pocket maximum Inpatient surgical services and confinement copay of $500 is per day, and is the only copay that applies to the out-of-pocket maximum An affordable plan for clients that prefer the predictability of copays Save 10 - 20%

10. Value Plan Deductibles range from $2,500 to $25,000 80% coinsurance $6,000 out-of-pocket maximum Peace-of-mind coverage with maximum affordability

11. Value Plan Maximum limitations on some services: $40 office visit copay, limit 2 visits per year $40 Dx lab or x-ray copay, limit 2 per year $20,000 calendar-year maximum for outpatient surgery $500 calendar-year maximum for outpatient diagnostic imaging Mental/nervous/chemical dependency benefits Chiropractic care Ambulance Peace-of-mind coverage with maximum affordability Save 52%

12. High Deductible Health Plan Individual deductibles range from $1,800 to $5,250 Family deductibles range from $3,600 to $10,500 Coinsurance options of 100% or 80% Out-of-pocket max for the 80% coinsurance option is $5,250 individual, $10,500 family A consumer-directed health plan that offers the opportunity to invest in a health savings account (HSA) Save 22 - 50%

13. The Individual Can Choose An HSA With IAC’s Vendor OR Can Choose Their Own HSA Provider. American Health Value is IAC’s HSA provider. Learn more about them at www.americanhealthvalue.com

14. You Choose an affordable prescription drug option! Option 1Option 2Option 3 Discount drug programRx applies to deductible and coinsurance Generic: $30 copay Formulary, non- formulary and specialty drugs available with discount card Option 4Option 5Option 6 Generic: $30 copay Formulary, non-formulary and specialty drugs subject to the deductible and coinsurance Generic: $30 copay $500 Rx ded. Formulary: $50 Non-formulary: $75 Specialty: $100 Generic: $30 copay $1,000 Rx ded. Formulary: $50 Non-formulary: $75 Specialty: $100

15. When should plan participants use TelaDoc? When the primary care physician is not available For non-emergency medical issues, questions or concerns Prescription refills Short-term, limited refills only No DEA-controlled substances When the participant is traveling and needs medical care TelaDoc is a convenient and economical way for participants to receive routine medical care.

16. Preventive care is included with every IAC Health Plan 100% coverage, not subject to deductible & coinsurance: Routine cervical cytological screening (Pap) Mammography Subject to deductible & coinsurance: Prostate and colorectal cancer screening Child-wellness screening

17. Improve access to preventive care with an optional wellness benefit. 100% benefit up to $250 or $500 Per insured per calendar year at in-network providers No waiting period! Includes: Routine physical exams and diagnostic testing Well-child screening Prostate cancer screening Colorectal cancer screening Flu shots

18. IAC Personal Health Plans cover more than just the basics. Optum ® 24-Hour NurseLine Wellsource ® Personal Wellness Profile ™ Access to the ASH Network ™ of naturopaths, dieticians, chiropractors and alternative health providers LabOne Select ® MyHealthCompass.com ®

19. Extend coverage with our optional benefits. Secure DentalOne EyeMed Vision Care Supplemental accident coverage Life insurance 24-hour occupational coverage 18-month rate guarantee

20. You have 24/7 online access to your health plan. View claim payment status View EOBs Request a new ID card Request certificate of creditable coverage Submit name changes Links to value-added health plan services

21. Questions?

22. Let’s See if you Qualify Open Quote EZ Desktop Software now