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3. Senator Judson HillSenatorGeorgia State Senate Intro Thank you Sectary Levine, and may I add it is an honor to be part of this panel at this conference. Our perspective for this conference is shaped by our belief that the current and future healthcare systems must have robust health IT design and concepts as its underpinnings. In our business model of processing healthcare transactions and developing systems, we understand that if we do our job well in supporting the healthcare system, we help the medical community be more patent centric by affording more time and focus with the patient. From this perspective, we have three recommendations for health IT Intro Thank you Sectary Levine, and may I add it is an honor to be part of this panel at this conference. Our perspective for this conference is shaped by our belief that the current and future healthcare systems must have robust health IT design and concepts as its underpinnings. In our business model of processing healthcare transactions and developing systems, we understand that if we do our job well in supporting the healthcare system, we help the medical community be more patent centric by affording more time and focus with the patient. From this perspective, we have three recommendations for health IT

4. Ron BachmanSenior FellowCenter for Health Transformation Intro Thank you Sectary Levine, and may I add it is an honor to be part of this panel at this conference. Our perspective for this conference is shaped by our belief that the current and future healthcare systems must have robust health IT design and concepts as its underpinnings. In our business model of processing healthcare transactions and developing systems, we understand that if we do our job well in supporting the healthcare system, we help the medical community be more patent centric by affording more time and focus with the patient. From this perspective, we have three recommendations for health IT Intro Thank you Sectary Levine, and may I add it is an honor to be part of this panel at this conference. Our perspective for this conference is shaped by our belief that the current and future healthcare systems must have robust health IT design and concepts as its underpinnings. In our business model of processing healthcare transactions and developing systems, we understand that if we do our job well in supporting the healthcare system, we help the medical community be more patent centric by affording more time and focus with the patient. From this perspective, we have three recommendations for health IT

5. Newt Gingrich FounderCenter for Health Transformation Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so

6. Ron BachmanSenior FellowCenter for Health Transformation Intro Thank you Sectary Levine, and may I add it is an honor to be part of this panel at this conference. Our perspective for this conference is shaped by our belief that the current and future healthcare systems must have robust health IT design and concepts as its underpinnings. In our business model of processing healthcare transactions and developing systems, we understand that if we do our job well in supporting the healthcare system, we help the medical community be more patent centric by affording more time and focus with the patient. From this perspective, we have three recommendations for health IT Intro Thank you Sectary Levine, and may I add it is an honor to be part of this panel at this conference. Our perspective for this conference is shaped by our belief that the current and future healthcare systems must have robust health IT design and concepts as its underpinnings. In our business model of processing healthcare transactions and developing systems, we understand that if we do our job well in supporting the healthcare system, we help the medical community be more patent centric by affording more time and focus with the patient. From this perspective, we have three recommendations for health IT

7. Chris Schubart Regional Vice PresidentBlue Cross Blue Shield of Georgia Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so

8. Center for Health Transformation ConferenceBlue Cross Blue Shield of Georgia Chris Schubart, Regional Vice President Local Group SalesFebruary 4, 2009

9. Isn�t it time for Georgia to have more control over our healthcare costs? We think so, too.

10. Discussion Topics Healthcare Costs Consumerism Lumenos (Consumer Driven Healthcare Solution) Cost Estimators

11. Rising Costs: The �Big 4� Risk Factors The majority of the rise in private insurance costs is due to population risk factors and their treatment Footnotes on Stress: Two-thirds of all office visits to family physicians are due to stress-related symptoms (Source: Amercian Academy of Family Physicians) More than one in four workers have taken a "mental health day" off from work to cope with stress (Source: American Psychological Association) Cost U.S. businesses $300 billion annually in direct & indirect costs (Source: American Institute of Stress). Costs include absenteeism, diminished productivity, employee turnover and direct medical, legal and insurance fees Source: Thorpe, et al, Health Affairs, June 2005 21% of adults (over 18) smoke - Per the 2004 U.S. census. Footnotes on Stress: Two-thirds of all office visits to family physicians are due to stress-related symptoms (Source: Amercian Academy of Family Physicians) More than one in four workers have taken a "mental health day" off from work to cope with stress (Source: American Psychological Association) Cost U.S. businesses $300 billion annually in direct & indirect costs (Source: American Institute of Stress). Costs include absenteeism, diminished productivity, employee turnover and direct medical, legal and insurance fees Source: Thorpe, et al, Health Affairs, June 2005 21% of adults (over 18) smoke - Per the 2004 U.S. census.

12. Consumerism

13. Consumerism Imagine having greater control over health care costs while improving and maintaining your health � a win-win scenario. Now you can. BCBSGa-Anthem is revolutionizing health care by expanding our industry-leading Lumenos consumer-driven health plans and making them available to everyone � all markets, all segments, and all 35 million current members nationwide.

14. Consumers Are Becoming More Engaged in Their Health Care Survey of consumers enrolled in CDHPs: Value Conscious 50% more likely to ask about cost Prevention-Oriented 25% more likely to engage in healthy behaviors 30% more likely to get an annual checkup because they thought it would save money in the long run Control Costs 20% more likely to follow treatment regimens for chronic conditions Information Needs Many were dissatisfied with information available to them to make health decisions

15. Our Solution Anthem�s Lumenos plans give consumers the control and information they want while rewarding them for being more engaged in their health. Our approach combines unique account-based plan designs with sound clinical strategy; then tops it off with bold and proactive communications to engage consumers before and after enrollment. Consumers will better understand how they can get more value from their health care dollars and will be rewarded for healthy behaviors.

16. Our Experience CDHP Industry Benchmark Innovative Technology High Touch Proactive health improvement

17. Prescription Drug Cost Estimator

18. Prescription Drug Cost Comparison

19. ProviderFinder: Treatment Costs Through the Healthcare Advisor tool from Subimo, but integrated into the Lumenos ProviderFinder for easy access for consumers. Consumers can search for estimated costs (range) for different treatment, for both in-network and out-of-network costs of the most common medical procedures.Through the Healthcare Advisor tool from Subimo, but integrated into the Lumenos ProviderFinder for easy access for consumers. Consumers can search for estimated costs (range) for different treatment, for both in-network and out-of-network costs of the most common medical procedures.

20. How Do We Do It? Our plan designs come with the largest national network of participating providers with no referrals necessary You get a 24/7 NurseLine, health coaching programs, 100% coverage of nationally recommended preventive care services, and an online health site with tools and information to help you get the most value out of your dollars Our integrated plans make it easier on everyone Our turnkey communications help companies create a new culture around health improvement Working together with our brokers/consultants we help customers to make better engaged employee a top down initiative And, we can even include financial rewards for healthy behaviors

21. Does It Work? 53% of Lumenos consumers report increased knowledge in managing their healthcare 62% switched to a generic prescription drug Preventive care services doubled - 5.4% compared to industry average of 2-3% And, Lumenos consumers tell us that they�re happy, more engaged and healthier: 93% consumer satisfaction, 92% would renew, and 93% would recommend 95% cite greater flexibility and control in managing their health 93% cite that our Lumenos plan was the best value for their money

22. Thank you!

23. Todd Slawter Senior Vice President, Aetna, Inc. Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so

24. Todd Slawter Sr. VP, Southeast Regional Head of Sales

25. Aetna�s Position on Health Care System Transformation � To Your Health! Enable the Consumer Plans and Products

26. Get and keep everyone covered (1) Transform health insurance into a civic responsibility (2) Strengthen public programs and the safety net for those most in need Maintain the employer-based system and export its strengths to make the individual market function better (3) Leverage the strengths of the current health care system to advance the goal of universal coverage (4) Use the tax system to expand access and increase affordability (5) Promote greater portability of health insurance Reorient the system toward prevention, value and quality of care (6) Promote preventive care and wellness (7) Improve health care quality and patient safety Use market incentives to improve coverage, drive down costs and make the system more consumer-oriented (8) Create a legislative and regulatory environment conducive to affordable insurance options (9) Make the health care system more transparent and consumer-friendly (10) Harness the power of health information technology to reduce costs and improve quality

28. Our health care transparency availability (as of January 2009) Approximately 190 specialties included Up to 30 of the most common services by provider group (ie, office visit, minor procedures, diagnostic procedures, etc.) Physician-specific information for approx. 460,000 directly contracted network physiciansApproximately 190 specialties included Up to 30 of the most common services by provider group (ie, office visit, minor procedures, diagnostic procedures, etc.) Physician-specific information for approx. 460,000 directly contracted network physicians

29. Aetna Affordable Health Choices (SRC) Limited benefits plans Targets part-time, seasonal and temporary workers Available in 47 states �Middle Med� Plans Niche product piloted Could fill a gap between Limited Benefit plans and Traditional comprehensive benefits Aetna Student Health 450,000 Undergraduate and Graduate students more than 170 institutions

30. 47 million uninsured in the US 1.7 million uninsured in Georgia 380,000 work for Small Businesses 800,000 Small Businesses in Georgia 62,000 without Insurance

31. Targeted to Small Businesses with �Working Uninsured� 4 or more minimum enrolled employees Open Access HMO (plan 709) Open Access POS (plan 708) HDHP Open Access POS (713) Dual & Triple Option available depending on case size Lowered Employer Contrib. level (25%) Lowered Participation Requirement (50%)

32. Thank you! Center for Health Transformation Speaker Gingrich Mr. Ron Bachman Mr. Wayne Oliver Sen. Judson Hill

33. Joe Ochipinti Regional Vice PresidentUnitedHealth Care Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so

35. Improving care variation

36. UnitedHealth Premium Designation Leverages transparency to improve quality and lower costs Physicians are first assessed on quality: we identify specialists who meet or exceed quality standards established by third party professional societies such as the American College of Cardiology and the American Academy of Orthopedic Surgeons Only if they meet quality standards, are they assessed on efficiency of care, based on peer comparison and third party evaluations, i.e. most appropriate treatment, less complications and re-do�s With UnitedHealthcare EDGE, employees who use specialists designated for both quality and efficiency receive increased coverage in the form of lower copays and coinsurance Here is a small listing of the collaborators used to establish quality criteria: - American College of Cardiology (ACC) - American Board of Internal Medicine (ABIM) - National Committee for Quality Assurance (NCQA) - Society of Thoracic Surgeons (STS) - Virtually every other State Society

37. 2009 EDGE Plan Overview EDGE Plans Overview Access to entire UnitedHealthcare Choice Plus Network Open Access POS Plans Significantly lower priced than our base plans Can be paired with an HSA Current EDGE plans in good alignment with market preferences Employers want EDGE deductibles between $1.5K and $2K, so fits with HDHP plan Excluding primary plan design elements of PCP Copay and Deductible, 100% preventive care is the most important feature, so we included it in all new EDGE plan designs Employers prefer to see lower OOP Maximums, so we developed plans that lowered OOP Max down to $3K, $4K and $5K without significant PMPM impact Employers want EDGE plans to be paired with an HSA, so we are offering five national HSA plans EDGE Plans � Benefit Differences Provides members with lower copays and higher coinsurance when using specialty physicians receiving quality and efficiency UnitedHealth Premium designation Per occurrence deductibles apply to inpatient hospitalization and outpatient surgery (Calculated to go toward out-of-pocket maximum) Lab and X-ray applies to deductible & coinsurance except for Preventive Care when plan covers preventive benefits at 100% Covers MH/SA & Chiropractic at state mandate levels

38. Georgia Broker Feedback Platinum Broker �United HealthCare�s EDGE program effectively delivers differentiated value at lower cost for our clients. Offering an EDGE HSA provides even more savings for the Employer. United HealthCare�s EDGE plans are making a positive difference for the healthcare consumer�s market place.�

39. Georgia Customer Feedback Small Business Employer �Smaller businesses such as ours are eager to provide benefit packages in order to attract and retain valuable employees. UnitedHealthcare�s EDGE enables us to offer comprehensive, affordable health care benefits & increased tax advantages for our employees. We believe our employees will have peace of mind knowing they have access to Premium-designated physicians who deliver quality, cost-effective care.�

40. Robert Wolfkiel Market Vice PresidentHumana Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so Thank you How fast is fast enough? Technology will progress Cancer will be cured Tremendous difference how quickly we do so

42. Wellness: The Good

43. Wellness: The Bad

44. Wellness: The Ugly

45. �Just the Facts, Ma�am�

46. Georgia: The Peach State or the Couch Potato State?

47. Georgia: An Expanding Population

48. The �Evolution� of Man

49. Obesity trends among U.S. adults

50. Obesity � a costly �disease�

51. Current Status of Wellness Strategies

52. Top Strategic Objectives for Wellness Programs Reducing Health Care Costs Improving Worker Productivity Reducing Employee Absences Improving Workforce Morale Attracting and Retaining Employees Employers spend an average of $135 per employee per year on Wellness programs, and an additional $100 per employee on incentive rewards