1. PRESENTED BY 2016 PRODUCT UPDATES 1 WELLMARK BLUE CROSS AND BLUE SHIELD WARD BUTTOLPH Team Leader, Agency Account Management

2. PRODUCT STRATEGY Comprehensive Sustainability Customer Focused Innovative Compliant 2

3. EXPANDED NETWORK CHOICE - IA All IFP plans will have both a PPO and HMO option Plans names will reflect network name (also in small group) Provide greater price and benefit choice in our portfolio Wellmark’s HMO is a great option for PPO members who are happy with their current benefits but who are looking for savings (approximately 10% pricing differential) 3

4. MYBLUE HSA PLANS: EMBEDDED DEDUCTIBLE Silver and Bronze myBlue H.S.A. plans will have embedded deductibles in 2016 Gold myBlue HSA will remain an unembedded deductible due to IRS requirements on the minimum family deductible 4

5. 5 Plan Rationalization – simplified portfolio You will see revisions to plans due to AV calculator HMO expanded to all plan designs IFP Updates - Takeaways

6. 6 1-100 New ACA Definition Now back to 1-50 Plan Rationalization – simplified portfolio New plan offerings and AV calculator updates Small Group Updates - Takeaways

7. PHARMACY TREND DRIVERS 7

8. 8

9. THANK YOU! Wellmark Blue Cross and Blue Shield is an Independent Licensee of the Blue Cross and Blue Shield Association. Confidential and Proprietary – Wellmark Blue Cross and Blue Shield. 9