1. Looking Forward to Good Health Employee Health Benefits Informational Meetings Town of Greenwich October 25, 2000

2. 2 Today’s Agenda u Welcome u Your new options in medical coverage u How your options compare u Introducing: v CIGNA PPO v PHS v Express Scripts u What’s next? u Questions & answers

3. 3 Introductions u Town of Greenwich v Al Cava u CIGNA HealthCare v Twila Palmer u PHS v Charlie Saccavino u Express Scripts v Sherry Krieger

4. 4 New Plans - Jan. 1, 2001 Two medical plans are being offered: u Preferred Provider Organization (PPO), administered by CIGNA HealthCare u Physicians Health Services (PHS), lower-cost HMO plan administered by PHS

5. 5 What’s a PPO? u A PPO is a medical plan that features a special network of doctors and hospitals v When you use doctors and hospitals who are part of the network, you pay less out of your pocket for care v If you use a doctor or hospital that’s not part of the network, you’re still covered

6. 6 What a PPO is NOT... u A PPO is NOT: v An HMO u You are NOT required: v To use ONLY doctors and hospitals that are part of the HMO network v To see a primary care physician before seeing a specialist u In the PPO, you CAN: v Use any doctor you want v See a specialist without receiving a referral

7. 7 PHS u Physicians Health Services (PHS) is a traditional HMO u All services are offered by in-network providers u No referrals are required u $10 copay for most services

8. 8 How PPO & PHS Compare to the Indemnity Plan u Key similarities v Freedom of choice v No referral requirement u Key differences (in-network care) v No deductible or claim forms v 100% coverage with $10 copay for illness & injury v 100% coverage with $0 copay for some types of preventive and routine care (preventive care sticker must be affixed to your ID card for the PPO plan)

9. 9 Introducing...

10. 10 Meeting Objectives u CIGNA Overview u Our Network u PPO Review v What do plans cover? v Information Sources v Special Programs v Transitional Issues

11. 11 Why CIGNA HealthCare? u Nationally recognized u Experienced u Stable u Local presence

12. 12 CIGNA’s National Network National Network u Over 400,000 Physicians u Over 3,250 Hospitals u General Practitioners, Family Practice, OB/GYN’s, Internists, and Specialists

13. 13 CIGNA’s Local Network u Over 2,000 physicians in Fairfield County u Total of 31 hospitals statewide

14. 14 PPO Coverage In-Network Office Visit u lllness / Injury - $10 Copay u Preventive Care*- $0 Copay Hospital u $0 Copay ** * To avoid paying copay, you must place the preventive care sticker on your ID card ** Pre-Admission Certification Required (in-and out-of-network) Out-of-Network Deductible u Individual - $200 u Family - $500 You Pay 20% Up to Out- of-Pocket Maximum u Individual - $800 u Family - $2,000

15. 15 Emergency Care PPO u Always covered at In-Network benefit levels u Does not need to be a contracted provider u Seek immediate care

16. 16 Non-Emergency Hospital Care u Pre-Admission Certification (PAC) and Continued Stay Review (CSR) u Discharge Planning u Case Management

17. 17 u Toll-Free u National Network Information u Questions On Claims, Benefits and Other Programs After You Enroll u Inpatient Pre-Certification u Convenient, Extended-Hours Access CIGNA HealthCare Care Line

18. 18 u Access to a Nurse for Health-Related Questions u Available 24-Hours Daily u Access to Audio Library CIGNA HealthCare 24-Hour Health Information Line

19. 19 u Prenatal Care and Education u Incentive to Receive Early Care u High-Risk Pregnancy Evaluation u Postpartum Follow-Up Call u Voluntary Program CIGNA HealthCare Healthy Babies ® Program

20. 20 u Centers of Excellence u Travel Benefit CIGNA Lifesource Organ Transplant Network ®

21. 21 u Ongoing Conditions and Treatment u Potential to Maintain Relationship With Your Current Doctor u Pre-Approval Required Within 90 Days of Effective Date u Upon Approval - Paid In-Network for Specific Amount of Time CIGNA HealthCare Transition Care

22. 22 Information and Access u Serving Our Members Over the Internet v View our medical directory on-line (PPO / PPA) v Communicate via E-Mail with CIGNA’s internal areas u Our Address: www.cigna.com/healthcare

23. 23 Introducing... PHS

24. 24 Prescription Drug Benefits

25. 25 Rx Plan u When you select either the PPO or PHS plan, your prescription drug benefits are administered by Express Scripts

26. 26 Prescription Drug Benefits

27. 27 What’s Next?

28. 28 Which Plan Do I Choose? Choose the coverage that’s best for you and your family: u PPO - In- and out-of-network coverage u PHS - In-network coverage only Both plans are administered by experienced companies: u PPO - CIGNA HealthCare u PHS - Physicians Health Services

29. 29 How Do I Enroll? To Enroll In the CIGNA PPO: u Complete a CIGNA enrollment form and write “GMEA” at the top u Return the form promptly to the Human Resources Dept. at Town Hall so that it is received no later than November 13, 2000 Remember to place the preventive care sticker on your ID card when it arrives

30. 30 How Do I Enroll? To Enroll In PHS: u Complete a PHS enrollment form and write “GMEA” at the top u Return the form promptly to the Human Resources Dept. at Town Hall so that it is received no later than November 13, 2000

31. 31 Other Important Information u If your enrollment form is not received at Town Hall by November 13, 2000, your coverage will be denied as of Jan. 1, 2001, and you will not be able to obtain benefits until the Town receives your form You must submit a form in order to receive coverage!

32. 32 Questions & Answers