1. Rocky Mountain Annual Conference and Extend Health for Retired Clergy

2. TODAY’S AGENDA TODAY’S AGENDA Brief historical reviewBrief historical review Plan of action to keep you “whole” (no harm) and allow retiree plan to survive.Plan of action to keep you “whole” (no harm) and allow retiree plan to survive. Introduction to Extend HealthIntroduction to Extend Health Participant questions/concernsParticipant questions/concerns Review of Packet Supplemental materialReview of Packet Supplemental material Additional questions/concernsAdditional questions/concerns Invitation to ‘Log on”—EH & ConferenceInvitation to ‘Log on”—EH & Conference

3. Why Is Rocky Mountain Changing Plans? Current retiree health plan is no longer sustainable at 17% of the Conference BudgetCurrent retiree health plan is no longer sustainable at 17% of the Conference Budget New Medicare Plan offering provides flexibility in benefits and costNew Medicare Plan offering provides flexibility in benefits and cost Self-Directed choice vs. Sole ProviderSelf-Directed choice vs. Sole Provider

4. Up-Front Issues to Lessen Anxiety No Initial Pre-Existing Condition ExclusionNo Initial Pre-Existing Condition Exclusion Visit Website now to become familiar with Extend HealthVisit Website now to become familiar with Extend Health Question/Answer Blog on Conference WebsiteQuestion/Answer Blog on Conference Website

5. Funding Information Rocky Mountain Conference will fund a Health Reimbursement Account (HRA) for eligible participantsRocky Mountain Conference will fund a Health Reimbursement Account (HRA) for eligible participants Premiums will no longer be deducted from pension checks or paid to Conference office.Premiums will no longer be deducted from pension checks or paid to Conference office. Tax-advantaged account used to reimburse you for eligible health care expensesTax-advantaged account used to reimburse you for eligible health care expenses

6. What Is an HRA? Your HRA funds will be available January 1, 2013Your HRA funds will be available January 1, 2013 Unused $ roll-over for future useUnused $ roll-over for future use Account for a couple is a joint accountAccount for a couple is a joint account You must meet Rocky Mountain eligibility requirements to qualify for HRAYou must meet Rocky Mountain eligibility requirements to qualify for HRA Subsidy levels reviewed every 2 yearsSubsidy levels reviewed every 2 years Conference will establish a “Safety Net” Fund to cover “outlier/extreme” costs.Conference will establish a “Safety Net” Fund to cover “outlier/extreme” costs.

7. Rocky Mountain Funding Information Companion Plan--$480/month Pre-2010 Retiree with MORE than 20 years of Pre-82 service: Savings/Income to you:Single 2-Party Savings/Income to you:Single 2-Party From Eliminating Current Health Flex Premium$120$240 Monthly Subsidy from Conference to your HRA$150$300 TOTAL Savings/Income to you $270$540

8. Rocky Mountain Funding Information Companion Plan--$480/month Pre-2010 Retiree with MORE than 20 years of Pre-82 service: Estimated Monthly Average Health Costs Single 2-Party Selected Health Plan Premium – High Avg$215$430 Selected Dental Plan Premium – High Avg $30 $60 Selected Vision Premium – High Avg $15 $30 TOTAL High Average Monthly Premiums$260$520 Net Monthly Cash Savings/ Income$10$20

9. Rocky Mountain Funding Information Companion Plan--$480/month ALL Retirees with LESS than 20 years of Pre-82 service: Savings/Income to you:Single 2-Party Savings/Income to you:Single 2-Party From Eliminating Current Health Flex Premium$240$480 Monthly Subsidy from Conference to your HRA $50$100 TOTAL Savings/Income to you $290$580

10. Rocky Mountain Funding Information Companion Plan--$480/month ALL Retirees with LESS than 20 years of Pre-82 service: Estimated Monthly Average Health Costs Single 2-Party Selected Health Plan Premium – High Avg$215$430 Selected Dental Plan Premium – High Avg $30 $60 Selected Vision Premium – High Avg $15 $30 TOTAL High Average Monthly Premiums$260$520 Net Monthly Cash Savings/Income$30$60

11. Claims Submission Premiums Reimbursed by filing a paper/on-line claim Reimbursed through Auto-reimbursement process (after set-up) Unreimbursed Medical Expenses Reimbursed by filing an on-line claim or a paper claim by mail or fax

12. Process Overview Conference Contributes Monthly Subsidy Clergy HRA Participant Pays: Monthly Premium, Co- Pays, Deductibles, Other Participant sends paid bills to Extend Health for reimbursement (Typically 2 weeks after receipt of claim) Extend Health

13. Extend Health—Who Are They? Individual Medicare Supplement ‘Connector Model’ ExchangeIndividual Medicare Supplement ‘Connector Model’ Exchange Partner with 70+ health plan carriersPartner with 70+ health plan carriers Objective and trusted U.S.-based licensed benefit advisors (LBAs)Objective and trusted U.S.-based licensed benefit advisors (LBAs) Objectively help each participant make informed and confident decisionObjectively help each participant make informed and confident decision

14. Why Extend Health? Experienced in helping people just like you Experienced in helping people just like you Enrolled almost 400,000 participants Enrolled almost 400,000 participants Their services are provided at no cost to you Their services are provided at no cost to you

15. Type of Plans Offered Medicare Advantage*Medicare Advantage* Medicare Supplement (Medigap)Medicare Supplement (Medigap) Medicare Part D (Prescription)Medicare Part D (Prescription) DentalDental VisionVision * Rx often included

16. Plans Offered (Not Inclusive*) Blue Cross and Blue Shield (Anthem)Blue Cross and Blue Shield (Anthem) HumanaHumana AetnaAetna AARP (Secure Horizons and UnitedHealthcare)AARP (Secure Horizons and UnitedHealthcare) Delta DentalDelta Dental VSP (Vision)VSP (Vision) *Plans can be added and deleted

17. Type of Services Offered EducationEducation ■ Guides and decision tools Objective Evaluation of Needs Objective Evaluation of Needs Enrollment—Initial and Ongoing Enrollment—Initial and Ongoing Lifetime Post-Enrollment Customer Service Lifetime Post-Enrollment Customer Service HRA (Health Reimbursement Account) HRA (Health Reimbursement Account)

18. Licensed Benefit Advisor 100% domestic workforce 100% domestic workforce Objective advocacy Objective advocacy Neutral compensation Neutral compensation Extend University Extend University Licensed, certified, appointed Licensed, certified, appointed Evaluate and Enroll Hours of Operation Monday – Friday 8:00 a.m. – 8:00 p.m., Central time

19. How you can obtain general information NOW Web site for Extend Health is: www.extendhealth.com/gbophb.Web site for Extend Health is: www.extendhealth.com/gbophb. www.extendhealth.com/gbophb When you access the site:When you access the site: Click on “Shop and Compare”Click on “Shop and Compare” Enter the zip code you want to look upEnter the zip code you want to look up Click ‘Go’Click ‘Go’ Complete Box 1 and 2—Click “Go”Complete Box 1 and 2—Click “Go” Answer 3 questions—Click “Go”Answer 3 questions—Click “Go” Click on the Medigap, Prescription Drug or Medicare Advantage tabs to see what plans are available.Click on the Medigap, Prescription Drug or Medicare Advantage tabs to see what plans are available. You can also click the tabs in the upper left hand corner to look at Dental and Vision plans.You can also click the tabs in the upper left hand corner to look at Dental and Vision plans. Speak to an Expert 1-866-322-2824Speak to an Expert 1-866-322-2824

21. Enrollment Data Review (as of January 1, 2012) MeasureCombined Eligible Participants620 Enrollments577 Conversion93% Number of unique carriers51 (20/31) Top 5: Top 5: Humana, AARP MS, BCBS, Aetna, Coventry* Number of unique plan types217 (80/137) % enrolled: MA/MS8%/92% Average premium: MA$36.14 Average MS/Part D Premium$211.21 ($179.22/$31.99)