1. Proud to Serve You

2. Thank you for coming! Before we start: –Who is currently on Medicare? Who is on a Medicare Advantage program? –Who has heard of Freedom Health? –Who would like more benefits for less money? –Who wants the freedom to choose your own plan and/or your own physician? –Who wants to work with a company that really understands your healthcare needs and really cares about customer service?

3. What We Will Discuss Today Discuss Your Current Coverage Compare Medicare Advantage to Medicare Introduce Freedom Health Explain The Benefits of a Freedom Health Plan Help You Decide The Best Freedom Health Plan For You Answer Questions and Show You How to Enroll Today! Please hold questions until the end of the presentation.

4. What do you have now in addition to Medicare Parts A and B? Is there a cost to your plan? What do you like about your plan? What would you like to change about your plan? What type of plan would you prefer? –Comprehensive coverage with more benefits –A plan that will reduce your out-of-pocket expenses –Unique services outside traditional Medicare Your Current Coverage

5. Supplemental Plan Medicare Advantage Programs Medicare Advantage Plan with Prescription Drug Coverage Medicare Advantage programs often have more benefits at less cost to you. Original Medicare Medicare Part D

6. Medicare Advantage Programs Companies like Freedom Health offered to assist the government with Medicare Freedom Health basically became a new and improved ‘Medicare’ for you. Medicare pays Freedom Health to provide benefits and customer service. Through developing a network, Freedom Health provides lower premiums and more benefits. Medicare Advantage programs often have more benefits at less cost to you.

7. Benefits of Medicare Advantage Extra benefits beyond original Medicare* No Monthly Plan Premiums For Part B Reimbursement Plans: (Refunds vary by county) No Medicare Deductibles Brand & Generic Rx Coverage World Wide Coverage Extra Benefits for Dental, Vision and Hearing Health Club Membership & Fitness Programs Opportunity to see network specialists without referrals, if applicable No Medicare supplement Needed Over the Counter Benefits *Limitations & Co pays may apply; Details vary by plan and plans are available by county; the social Security Administration reduces your Part B Premium on Part B payback plans For Plans without premium refunds, you have to continue to pay the Part B premium. The Part B premium for 2009 is $96.40 {

8. Government Funds Original Medicare Medicare Advantage Limited coverage Limited preventive care benefits Deductibles Coinsurance Supplement needed Join a Prescription Drug Plan (PDP) for Part D coverage Covers all benefits of Original Medicare + No Medicare deductibles Part D included No supplement needed Additional Benefits Medicare Beneficiary Benefits of Medicare Advantage * One of the plans available under the annually renewable Medicare Advantage contract. {

9. How a Medicare Advantage Plan is Reimbursed Medicare Part A Financed in part by payroll taxes paid by workers and employers Medicare Part B Financed in part by deductions from your monthly Social Security check. US Government Medicare Funds Hospitals Pharmacy Doctors Additional Benefits Other health care providers Freedom Health

10. Do you have Medicare Parts A & B? Is your permanent residence here in this county? Do you live here at least six months out of the year? Do you have end stage renal disease? Are You Eligible?

11. Freedom Health was started by and still managed by doctors. These doctors care about developing better Medicare Advantage programs and providing customers with excellent service. Introducing Freedom Health

12. Unlike other very large Medicare Advantage companies, we are a local Florida company that really understands your needs and can talk to you in person. We are now in 30 Florida counties with headquarters in Tampa and five concierge offices around the State. {

13. Excellent Customer Service Freedom Health is committed to EXCELLENT CUSTOMER SERVICE with local claim centers, a concierge department and consistently friendly and very knowledgeable service. In fact, Freedom Health is one of the fastest growing companies because of referrals by satisfied customers. In addition, out of 150 Medicare Health plans in 80 cities, Freedom Health has won the Senior Choice Gold Award the last two years. {

14. Concierge Services A concierge desk at each office to expedite your Member Service needs. (i.e. replacement cards, PCP changes, address changes and more). Friendly trained staff who would like to meet you to learn more about what you need from your health plan. Information on scheduled Events and Health related issues. A one hour resolution time. Licensed Agents available to assist with benefit information.

15. Awards National Committee for Quality Assurance -Toughest Quality Accreditation for Managed Care Organizations -3 Year Accreditation (2007 - 2009) HealthMetrix Research Inc. (Medicare News Watch) - An independent managed care research firm in Columbus, Ohio (Independent Industry Analyst) -Awarded Freedom Health their Senior Choice Gold Award For Excellence in Benefit Value ( cost comparisons for over 150 Medicare health plans in 80 cities, November 1, 2006 and 2007) New Health Plan A Best Value (Tampa Tribune 2006 & 2007)

16. Awards

17. Plans Offered By Freedom Health Savings RX Medicare RX Choice VIP Care VIP Care Savings Medi-Medi Freedom Health provides customized plans that fit your unique needs all of which provide more benefits and are less expensive than Medicare.

18. Compare Your Health Care Options This table is a brief overview comparing Original Medicare, a popular Medicare supplement and Freedom Health Medicare Advantage plans. The Summary of Benefits will go into more detail about benefits. Original Medicare Office visits when you are sick Hospitalization * Limitations and co-payments may apply. May not be available on all plans. * You may be required to continue to pay your Medicare Part B premium A common Medicare supplement - Plan C Coverage for all Medicare deductibles and coinsurance Freedom Medicare Advantage Plan * Original Medicare benefits plus no Medicare deductibles. Additional benefits for prescriptions, extra coverage for dental, vision and hearing. No Medigap supplement needed.

19. Using The Plan 25 Important note: Statement of Understanding Starting on the date your coverage begins with Freedom Health, you must receive all of your healthcare from Freedom Health providers with the exception of emergency or urgently needed services or temporary out of area renal dialysis.

20. Can I Choose My Doctor? We have formed a very large network of doctors, specialists and hospitals that you can choose from. You must stay within our network of services while with Freedom Health.

21. You Are In Control Primary Care Physician Your Choice Specialist Freedom to see Network Doctors and Specialist without a Referral* if applicable Hospital Your PCP will refer you to a Participating Hospital Emergency coverage at any hospital Urgent care coverage at any health care provider Other Providers Well woman visits Dental, Vision, Hearing * Limitations & copays may apply *See evidence of Coverage for details *You must receive all routine care from Plan Providers *Varies by county {

22. Your Freedom Health Representative will present the specifics of your Freedom Health Medicare Advantage plan benefits, using the Summary of Benefits booklet and drug formulary. This Year’s Benefits From Freedom Health

23. Freedom Fitness Program The Freedom Fitness program combines free access to Fitness Centers with multiple programs directed at improving the health and welfare of our members Group Exercise Programs

24. Top Reasons to Join Freedom Health* A local company run by doctors who wanted to make Medicare better Consistently voted to provide excellent customer service by industry experts and, more importantly, our customers Freedom to choose your own plan to fit your needs No monthly plan premiums No Medicare supplement needed For plans with Part B reimbursement: Refunds vary by county Worldwide Emergency, urgent and temporary out-of-area renal dialysis coverage *Limitations & Co pays may apply; Details vary by plan and plans are available by county; the social Security Administration reduces your Part B Premium on Part B payback plans {

25. Top Reasons to Join Freedom Health* Part D coverage included Preventive care, including physical exams Brand and generic prescriptive coverage Extra coverage for dental, vision and hearing Freedom fitness health club and fitness membership Predictable costs for easier budgeting Access to see network specialists without referrals, if applicable Low out of pocket maximums * Limitations & Co-payments may apply; Varies by County {

26. Enrollment Complete your enrollment form. You will receive a welcome packet, Evidence of Coverage and ID card.

27. Enrollment During the 2008 Annual Enrollment Period (AEP), MA eligible individuals may enroll in or end their enrollment in an MA plan. The AEP occurs November 15 through December 31 of every year. The last election made, determined by the application date, will be the election that takes effect. Enrollments submitted during the 2008 AEP will have an effective date of 1 st January, 2009.

28. New Member Orientation We will go over your welcome packet Show you how to: –set up your prescriptions by mail –set up your over the counter benefits –set up your dental benefits –set up your fitness membership Review membership benefits Go over member services contact numbers Answer any questions you may have

29. Extra Help Medicare Subsidy Information You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call: 1-800-MEDICARE (1-800-633-4227). TTY/TTD users should call 1-877-486- 2048, 24 hours a day, 7days a week The Social Security Administration at 1-800-772-1213 between 7.00 AM and 7.00 PM Monday through Friday. TTY/TTD users should call 1-800-325-0778 Your State Medicaid Office Florida SHINE (1-800-963-5337, TTY 1-800-955-8771 )

30. We would love to help give you peace of mind with your health care! Are there any questions? Before we finish……

31. Thank You! Help us share the News. Many of our members have been referred by their friends. Who do you know that could benefit from Freedom Health’s Medicare Advantage Plan? Carepath of Pinellas Call: 727-565-4655 Monday thru Friday 8:00 am – 5:00 pm www.carepathins.com www.freedomhealth.com