Board of Regents of The University System of Georgia HSA PPO HDHP Plan Plan Year 2010

1. Board of Regentsof The University System of Georgia HSA PPO HDHP PlanPlan Year 2010 Slide 4 October 2009

2. SOMETHING FOR EVERYONE! • For people with few health expenses • Could have no up-front out-of-pocket costs (if HSA funds are available and used), opportunity to save for the future • For people with occasional health expenses • Save dollars from low expense years to help pay in the future • Online health site to prepare for medical procedures • For people with ongoing health conditions • Total out-of-pocket expenses similar to other health plans • Online tools to help manage an ongoing condition Slide 4

3. How Does the HSA PPO HDHP Plan Work?

4. Stay healthy with Preventive Care coverage You and Board of Regents make contributions to your account You can use your account dollars to pay for medical care and prescription drugs You pay a deductible spending any dollars you choose to from your HSA Traditional Health Coverage then kicks in after you have satisfied your deductible (co-insurance) Preventive Care 100% In-Network • HSA Funded by annual employee and BOR (one-time) allocation DEDUCTIBLE • Traditional Health Coverage HSA PPO HDHP Plan Slide 4

5. HSA PPO HDHP PLAN- At a Glance Slide 4

6. Provider Choice • Visit any licensed provider; however, if you select anin-network doctor, hospital or pharmacy, you take advantage of lower out of pocket expenses • Network Doctors and Hospitals: Local access to BCBSGa PPO network of doctors and hospitals, and nationwide access to more than 650,000 doctors and thousands of hospitals and other facilities through the BlueCard® PPO Network • Prescription Drug Plan: Discounts on your prescription drugs are available at 95% of the retail pharmacies. • Use the online ProviderFinder to find and compare network doctors and hospitals Slide 4

7. COMPARING THE HSA PPO HDHP PLAN

8. 2010 Annual Premium Savings When Switching to HSA PPO (HDHP) Slide 4

9. Meet Carol Lewis | Single Coverage HMO Slide 4

10. Meet the Wilson's | Family CoveragePPO Slide 4

11. Using Your HSA PPO HDHP Plan to Get Care • When you visit an in-network doctor: • Show your ID card • Take advantage of discounts provided • In most instances, a claim is filed for you • Payments from your Traditional Health Coverage made directly to your doctor (you will receive and EOB or you can review claim payments online) • May use your HSA checkbook or debit card to pay your doctor for any amounts you owe (provided you have the funds available)- Depending on the Bank you chose to set-up your account with • When you visit a doctor that is not in the network: • Show your ID card • Use your HSA checkbook or debit card to pay your provider for services (provided you have the funds available) • File a claim Slide 4

12. Using Your HSA PPO HDHP Plan to Get Care • When you visit a pharmacy: • Show your ID card • Take advantage of our discounts at over 95% of pharmacies nationwide • Payments from your account are made directly to the pharmacy • If you don’t have available funds in your account, you pay the discounted rate • To get the lowest cost, visit our online health site to learn about generics or other low-cost alternatives Slide 4

13. FAQ’S

14. Am I Eligible for the Health Savings Account? • The IRS and the U.S. Department of the Treasury have specific rules on who can open an HSA. • You can open an HSA if you: • Are enrolled in the HSA plan, because it includes an HSA-compatible health plan • Are a U.S. resident and not a resident of Puerto Rico or American Samoa • Are not enrolled in Medicare • Are not claimed as a dependent on another individual’s tax return • Are not active military Slide 4

15. How Much Can I Contribute to a Health Savings Account (HSA)? • Each plan year, you may contribute money to your HSA up to a maximum contribution limit set by the U.S. Treasury and the IRS. • All combined contributions to your account cannot exceed your annual contribution maximum. • For 2010, the annual contribution maximum set by the U.S. Treasury and the IRS is $3,050 for individual coverage and $6,150 for family coverage. • The contribution maximums set by the U.S. Treasury and the IRS may be increased for inflation annually. Slide 4

16. Can I Have My HSA at a Bank Other Than US BANK? • Yes, as long as you are enrolled in an HSA-compatible plan, you can set up an HSA and make contributions up to the maximum annual allowed amount as defined by the IRS. Slide 4

17. Can I Use My HSA to Pay for Non-Qualified Medical Expenses? • Yes, but… • Any amount you spend will be considered taxable income (you will have to pay taxes on the amount used), and you will have to pay a 10% penalty on the amount • Non-qualified expenses will not count toward your out-of-pocket responsibility under the Traditional Health Coverage • Once you are 65, you can withdraw the money without penalty, but it will be considered taxable income Slide 4

18. Can I Still Have an FSA? • You can, if your FSA: • Is a special-purpose FSA (e.g. for dental/vision or dependent care); or, • Limits payment to those expenses incurred after coverage from the HSA-compatible medical plan begins (e.g. coinsurance) Slide 4

19. How Do I Make Contributions to My HSA? • There are several ways you can contribute to your account: • Tax-free through payroll deductions • Post-tax by personal check • Anyone may contribute to your HSA, provided the total contributions to your HSA do not exceed your maximum allowable annual limit • You can make catch-up contributions if you are 55 years of age or older ($1,000 for 2009 and after) Slide 4

20. What About My Taxes? • Contributions made via payroll deduction are pre-tax • Contributions made by personal check are post-tax • You will need to make an adjustment on your gross income when you file your taxes to receive the tax benefit • If you use your HSA for a non-qualified expense (e.g. not covered services or qualified medical expenses), you will have to pay tax on the expense and are subject to a 10% penalty on the amount. Slide 4

21. 360 Health

22. 360°Health • A comprehensive suite of health management programs, tools and resources • Proactive care management programs for impactable health conditions, such as diabetes or asthma • Online health and wellness information and tools • Discounts on health-related items and services • A member-centric health services model • Surrounds members with resources whether healthy or in need of specialized care • Empowers members to better manage their own health • Provides information and educational resources to help members make informed health care decisions One of the most comprehensive health management programs in the industry. Slide 4

23. Programs Available to HSA Members: Asthma (Adult & Pediatric) Coronary Artery Disease (CAD) Chronic Obstructive Pulmonary Disease (COPD) Heart Failure Diabetes (Adult & Pediatric) 24/7 NurseLine (BlueChoice On-Call) Future Moms Kidney Disease ComplexCare NICU 360º Health Programs Slide 4

24. Consumer Web Toolswww.bcbsga.com\bor

25. Overview Page The Overview tab is designed to give quick access to the most commonly used tools and resources “at a glance” • Secure Message Center • Request ID card • View benefits • Manage Profile • Recently processed claims • Contact Us Slide 4

26. Search the online Provider Directory to find network physicians, hospitals, specialists, and many other healthcare professionals, refine the search by gender and/or office availability, print a map and driving directions. Provider Finder Page Slide 4

27. Order new prescriptions or prescription refills online with BCBSGa. Find a local pharmacy, search the drug formulary, estimate drug costs, and research possible drug interactions. Prescriptions Page HMO/HDHP Slide 4

28. 360°Health - Overview 360˚Health The gateway into leading a better, healthier life and becoming a more informed healthcare consumer • Compare Hospitals • Health Risk Assessment • Explore the Condition Center • Animated Surgery Guide • 3D Symptom Checker • MyHealth Record • Online Communities Slide 4

29. Questions Slide 4 Slide 29