1. March 2009 TONIK Health Plans

2. TONIK  3 health plans  Targeted to 20-something's  Simplified benefit and design  Online enrollment 2

3. Mature Mavericks  No longer covered under a family policy  Not yet established in the workforce  Healthy, not overly preoccupied with health care  In the process of discovering themselves and experiencing life first-hand  Want to be seen as independent and responsible 3

4. Mature Mavericks  Prefer instant gratification  Use internet as resource  Individuality and quality of life are big  It’s about health vs. health insurance  Most are healthy 4

5. What did our research uncover? Why aren’t they buying health insurance?  Costs too much  It’s complicated  Tendency to procrastinate 5

6. What did they want in a plan?  Comprehensive  Not just about a Product  Service  Online  Easy to use  Instant decision  In their language 6

7. Solution = TONIK  An original approach to health insurance  Simplified plans with the benefits they’re looking for  A new way of talking  TONIK talks about health coverage in a straightforward, conversational style – their style  A new way of connecting  It has it’s own website  It has attitude  A new way of applying  It’s online – because they are  Easy and painless  Simplified underwriting 7

8. Solution = TONIK  TONIK appeals to target on emotional and logical levels  Independent  Confident  Peer  Irreverent  Straightforward  Affirming and Positive  Approachable 8

9. Solution = TONIK  Affordability  The 19-29 segment can find a comprehensive plan for around $100* that even includes dental and vision  We make it easy to pay by credit card, paper or electronic check, or monthly bank draft which can be automated, making it easier to prioritize the cost  Procrastination - Wait and see  The combination of easy to buy and affordable coverage  Confusion - Head in the sand  Communicating in their language means they will listen, not tune out  With 3 simple health plans, it’s easy *Can be more or less depending on plan, where they live and their medical history. 9

10. Solution = TONIK  Reasons to buy  Being insured reflects independence, responsibility and maturity  Affirmation  Their parents have less to complain about, less to point out as another sign of adolescent behavior 10

11. What about the benefits? 11

12. TONIK Benefits Benefits (in-network) Thrill Seeker Part-Time Daredevil Calculated Risk-Taker Annual Deductible $5,000$3,000$1,500 Annual Out-of-Pocket Maximum $5,000$3,000$1,500 Doctor Visit Copay Deductible waived $20 4 visits/year $30 4 visits/year $40 unlimited visits Lifetime Covered Charges $5,000,000 12

13. TONIK Benefits Benefits (in-network) Thrill Seeker Part-Time Daredevil Calculated Risk-Taker Prescription — Generic only $15 Emergency Room $0 after deductible In/Outpatient Hospital $0 after deductible In/Outpatient Professional Services $0 after deductible There is no maternity coverage on these plans. 13

14. TONIK Benefits In-Network Cleanings, Exams, X-rays $0, deductible waived Annual Deductible $25 Fillings 20% Annual Maximum Benefit $500 Dental  Included in all plans  PPO network  No waiting periods! 14

15. TONIK Benefits In-Network Preventive/Diagnostic*0% Basic and Adjunctive Services*20% Major (oral surgery, endodontics, periodontics, prosthodontics) 50% Annual Maximum Benefit - $1,000 Annual Deductible (waived for preventive/diagnostic) - $25 Optional Enhanced Dental Buy-Up  Coverage for additional services like oral surgery, scaling, root canals and crowns for around $25/month  PPO network *In addition to coverage included with TONIK Waiting periods: 6 months for Basic/Adjunctive; 12 months for Major services 15

16. TONIK Benefits Vision  Included in all plans  Deductible waived Glasses, Contacts (every 24 months) $100 benefit for frames or $80 for contact lenses Pay only $25 for basic eyeglass lenses Exam, Glasses, Contacts (every 12 months) $50 benefit 16

17. TONIK Benefits Optional Term Life Coverage  Part of the TONIK application process  $15K, $30K, $50K, $75K or $100K benefit choices 17

18. TONIK Rates 20-year-old femaleThrill Seeker Part-Time Daredevil Calculated Risk-Taker Annual Deductible$5,000$3,000$1,500 Rates$70 - $104$87 - $131$122 - $188 Prices depend upon where your client lives, their age, their gender and their medical history 18

19. Agent Value  Same commission as all plans  Online tool agents need to reach market  Online application takes about 15 minutes  Auto-adjudication – instant answer  AMAP materials available 19

20. Selling TONIK  Send a TONIK introduction letter to your clients  Query a list of your likely "empty-nester" clients (adult children prospects)  Target Small Group overage dependents  Identify community-based speaking opportunities at youth-oriented events  Contact a medical group in your area and ask if you can put TONIK information in their facilities 20

21. Selling TONIK  Contact your local community college or university  Would they permit a bill stuffer?  Could you speak to students about how being uninsured can have a devastating financial impact on young people?  Consider placing an ad in the Orange County Weekly or Los Angeles Weekly or similar paper in your area  Youth usually read these publications for the concert/event listings  Ask about placing TONIK materials, such as brochures, in surf shops, bike shops, etc.  Consider sponsoring a booth at a surfing event, skating event or dirt bike event 21

22. TONIK is happening online… are you? Don’t miss out on this growing opportunity Get Connected – It’s easy! 22

23. Agent Sales Technology AgentConnect AgentConnect is the process of linking your agency’s website or URL to ours. There’s no cost to you — but lots of benefits:  Establish a comprehensive, professional web presence without developing a custom website  Get easy sales with the PlanFinder and Apply On-line Now features for new clients  Strengthen existing client relationships by providing access to Member Services and MyBCCLink  Create a one-stop resource for many forms and features that are very helpful for new and existing clients To create the AgentConnect Link:  Select AgentConnect from the Technology drop-down menu  Click on Get Connected Now!  Follow the brief instructions and… …GET CONNECTED NOW! 23

24. Agent Online Agent Online offers links to companies that Anthem Blue Cross has partnered with to provide assistance in creating a website. We have also included four downloadable web templates to help in the designing process, should you choose to build a website. 24

25. Get Connected 25

26. TONIK. Sell the plans. Sell the experience. The Tonik plans are offered by Anthem Blue Cross Life and Health Insurance Company. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ® ANTHEM is a registered trademark. ® The Blue Cross name and symbol are registered marks of the Blue Cross Association.