1. Consumerism HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

2. Consumerism HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

3. NO Copays! HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

4. Difficult to get off the “crack” HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. Addicted to Co-pays? Put down the crack pipe, you must!

5. Let it Go! HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

6. Drop the Banana! HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

7. Consumerism HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

8. Part of the Job HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. Good HSA Administrator

9. HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. “I just use the local bank”

10. -They’re local -You may have a relationship with the local bank -They’re local -May not specialize in HSAs -May be slow to open/fund accounts and may have difficulty answering ???s

11. HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. An Important Decision Selecting an HSA administrator is just as important as choosing an insurance carrier. If your employees don’t have a good experience, they’ll blame you. Don’t let the HSA administrator you recommend be “the weakest link.”

12. Consumerism HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

13. Pricing Tools HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

14. When the consumer has a problem, the market delivers a solution. Removing the copays creates a problem for the consumer. HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. SOLVED Problem SOLVED

15. ER Alternatives Extended Hours Online Check-in More convenient and less expensive than an emergency room HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. Urgent Care Centers

16. DR Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Retail Clinics

17. DR Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Retail Clinics 2. Phone-Based Physicians

18. Lab Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Retail Labs

19. Lab Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Retail Labs 2. Diagnostic Testing Websites

20. Rx Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Switch to a Generic Synthroid Retail: $26.09 Discount Card: $20.35 Contracted Price: $18.24 Generic: $11.98 Levothyroxine Sodium

21. Rx Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Switch to a Generic 2. Discount Generic Programs ($4-5)

22. Rx Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Switch to a Generic 2. Discount Generic Programs ($4-5) Synthroid Generic: $11.98 Levothyroxine is on Wal-Mart and Sam’s Club’s $4 Generic List

23. Rx Alternatives HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. 1. Switch to a Generic 2. Discount Generic Programs ($4-5) 3. Ask for Samples

24. Consumerism HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

25. You Are What You Eat HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

26. Photo Essay HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

27. What the World Eats

28. Clean Your Plate HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

29. Clean Your Plate Platter HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

30. How Do We Change Behavior? HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

31. The Portion Plate www.ThePortionPlate.com HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

33. Wellness Programs HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. www.VirginHealthMiles.com GoZone Pedometer

34. Strategic Contributions to HSA HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

35. Consumerism HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

36. Benefits Communication HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc. Source: Watson Wyatt Worldwide Employee Survey

37. Stay Smart Stay Healthy www.StaySmartStayHealthy.com HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.

38. Family Health Budget www.FamilyHealthBudget.com HSA Communication Strategies | Copyright 2009 First Horizon Msaver, Inc.