Presentation to: SHBP Retirees with Medicare

1. 2013 State Health Benefit Plan Retiree Option Change Period Presentation to: SHBP Retirees with Medicare

2. Mission The Georgia Department of Community Health We will provide access to affordable, quality health care to Georgians through effective planning, purchasing and oversight. We are dedicated to A Healthy Georgia.

3. 2013 Retiree Option Change Period (ROCP) • How to Make your 2013 Election • Medicare Advantage MA PPO Changes • Traditional Medicare vs. SHBP MA PPO • SHBP Going Green • Benefit Changes for the HRA, HMO and HDHP Plans

4. Making Your 2013 Benefit Election Online Election - Members must make their health election at www.myshbp.ga.gov Website Open & Close Dates - Website opens at 4 a.m. on October 9, 2012 - Website closes at 4:30 p.m. on November 9, 2012

5. 2013 MA PPO Plan Changes • Humana MA PPO Premium Plan will not be offered. If you are enrolled in this plan and don’t make an election, your coverage will roll to the Humana MA PPO Standard Plan • Increase in co-insurance from 15% to 20% under the United Healthcare MA PPO Premium Plan • Increase in premiums

6. Traditional Medicare vs. SHBP MA PPO

7. Traditional Medicare vs. SHBP MA PPO

8. Going Green-Important Information for 2014 • This means for your 2014 election you will need to make your election online • We understand some members do not have access to a computer. SHBP will mail a postcard in April of 2013 allowing you to elect to receive a packet in the mail for your 2014 ROCP • For your 2013 election you will use the PCF form included in your packet only if you want to make a change

9. 2013 Benefit and Plan Changes • Elimination of the Spousal Surcharge • Increase in deductibles and co-insurance for the HRA, HDHP and HMO Standard and Wellness Plans • Increase in co-payments under the HMO Standard Plans- PCP & Urgent Care- $55; Specialist - $65 • Change in HRA credits in the Standard Plan • Increase in premiums for most plan options and tiers • Elimination of $125.00 HRA credit for annual physical and health assessment.

10. Making Your 2013 ROCP Election • If you are enrolled in the Humana MA Standard PPO Option or the UnitedHealthcare MA PPO Standard or UnitedHealthcare MA PPO Premium you do not need to do anything if you want to remain in the same MA PPO Option for 2013 • Your coverage will roll over in the same MA PPO Option and vendor • If you have Humana Premium MA PPO Plan and take no action, coverage will roll over to Humana MA PPO Standard

11. Making Your 2013 ROCP Election Making your Election- Changes Only • Online at website www.myshbp.ga.gov if possible • Complete Personalized Change Form (PCF) only if you need to make a change. This form is included in the 2013 Retiree Packet – ONLY do one or the other.

12. Questions or Additional Information Cigna -HMO, HRA, HDHP - 800-633-8519 www.mycigna.com/shbp UnitedHealthcare – HRA, HMO& HDHP 877-246-4189 or 800-396-6515 www.welcometouhc.com/shbp Refer to www.myshbp.ga.gov or www.dch.georgia.gov/shbp for additional information TDD – Cigna 800-576-1314 TDD UnitedHealthcare – 800-255-0056 / TTY 711

13. Important Notice The information provided in this presentation is a summary of changes for the 2013 Plan Year. It is intended only to highlight principle benefits Please refer to the Retiree Decision Guide for more details Rates, decision guides and other information will be available at www.dch.georgia.gov/shbp and www.myshbp.ga.gov by October 1, 2012

14. Humana Medicare Advantage SHBP RETIREES 2013

15. Why Should You Choose Humana? • Coverage Backed by over 50 Years of Experience & Financial Security • Extra Benefits & Services • Flexible and Comprehensive Rx Program • Worldwide Coverage for Emergencies • No Referrals Required • Support Services Dedicated to Group Members

16. Why Should You Choose Humana? Humana is dedicated to providing quality customer service to our members!

17. Your Plan Choosing your health plan is an important decision and you should consider both the benefits and monthly premium cost. Step 1: Estimate your annual medical and prescription costs. Step 2: Compare estimated costs including monthly premium and your cost share. Health Care is not “One Size Fits All”

18. Your Medicare Advantage Plan Your SHBP Medicare Advantage Plan is… The Humana Group Medicare PPO • Humana will offer SHBP’s Standard Medicare Advantage Plan through the Humana Group Medicare PPO • If you are enrolled in the Humana Premium Plan, and do not make a n election your coverage will default to the Humana Standard MA Plan • PPO plans traditionally include a network of physicians and hospitals, however -- • Your in-network and out-of-network benefits are the same. If you select an out-of-network physician or hospital who accepts both Medicare and Humana’s payment terms your benefits are the same as if you were in-network.

19. How this PPO Plan Works • Use only your Humana ID card • Use any provider in or out of network as long as they accept original Medicare and will bill Humana • No referrals required for specialty care • All claims processed by Humana

20. Extra Benefits • Silver Sneakers • SmartSummary • Humana Active Outlook • Program • My Humana • HumanaFirst • Quit Net

21. Extra Services • Hearing Discount • NutriSystem • Roadside Assistance • Vision Discount • Mail Order Health & Wellness • Pharmacy and OTC Discounts

22. Humana Pharmacy Program • All Medicare approved medications included • All generics in Tier 1 • 90 day supply available • The drug list includes benzodiapezenes, barbiturates, and erectile dysfunction medication • Mail order available (not required) • Mail order reminders by phone, email, or text message (your choice) • Nearly 65,000 pharmacy locations • RightSource® (Humana owned mail order)

23. Member Services & Additional Information • Pre-Enrollment Hotline & Member Services 800-942-6724 • www.humana.com

24. UnitedHealthcare Group Medicare Advantage Plan Presentation to: SHBP Retirees Presented by: UnitedHealthcare Date: Fall 2012

25. A company you know and trust! • Trusted Partnership - We’ve been servingSHBP actives and retirees for 11 years1! • Health plan of choice – More than 81,000 SHBP retirees1 and their spouses chose an UnitedHealthcare Medicare Advantage plan in 2012. • Experience – We have over 28 years of experience in the Medicare market and serve over 9 million members – that’s one in five people eligible for Medicare2. • National Recognition – UnitedHealth Group was ranked # 1 in its class in the ‘Most Admired Health Care Companies’ by Fortune Magazine annual survey3. 12012 Internal Company Data 22012 UnitedHealth Group Annual Report 3Fortune Magazine, March 19, 2012

26. Dedicated service you can count on! We work hard to provide you the high quality customer service you deserve. And according to you, your dedicated customer service team keeps getting better!! Telephone survey conducted between Feb 23 – Mar 6, 2011 for 600 members. Percent satisfied were those members scoring UnitedHealthcare 3, 4, or 5 out of 5.

27. Access & Convenience Our Medicare Advantage plans include your Part D prescription drug coverage and we know how important convenience and access is for you. Access • Over 2100 retail pharmacies including more than 900 independent pharmacies in Georgia and 65,000 pharmacies nationwide. • Georgia preferred extended day network - For those of you who prefer to stay ‘local’ we have more than 927 retail pharmacies that offer a 90 day supply for 2.5 copays (same as mail order).* *Pharmacy must be contracted for the GA preferred extended day network, otherwise standard copays will apply.

28. Value & Savings Our Medicare Advantage plans help you save on your health care expenses. Convenient mail order • Can save you money and have some of your prescriptions delivered right to your door! Pharmacy Saver Program • Offers some generic medications for as low as $2 at participating pharmacies. • To learn more go to www.UnitedPharmacySaver.comor call Customer Service

29. Health & wellness programs SilverSneakersFitness program • More than 240 locations throughout Georgia. NurseLineprogram • Get answers to your health-related questions, 24 hours a day, 7 days a week. House Calls program • Personalized health assessment delivered by a nurse practitioner in the comfort of you own home. These programs are available at no additional cost. They include:

30. Customized clinical programs to keep you healthy! • Welcome Home – helps ensure that your transition from hospital to home goes smoothly! • Disease Management – helps SHBP retirees with certain medical conditions manage their disease. • Complex Care Management – lets you take advantage of our recognized centers of excellence including our Cancer Resource Services, Kidney Resource Services and Transplant Resource Services. • High Risk Case Management – for SHBP members with complex medical conditions, provides face-to-face access to a personal care manager.

31. Why Choose UnitedHealthcare? • A company youknow and trust • Experience • National Recognition • DedicatedCustomer Service Specialists • Customized clinical programssuch as House Calls give you personalized care • Access to a extensive network of providers and pharmacies. • In-Network? Out-of-Network?No difference • Innovative programs to save on healthcare expenses including Pharmacy Saver and a our hearing aid provider

32. Enrollment made easy! Staying with UnitedHealthcare couldn’t be easier! • If you are already enrolled with us and want to remain in the same plan option, you don’t need to do anything! SHBP will automatically roll your coverage into the same plan option for 2013. • If you’re currently not a UnitedHealthcare member, we’d love to have you as part of our family. • Just complete the Personalized Change Form during the upcoming Retiree Option Change Period found in you 2013 Retiree Decision Guide or complete your election online at www.myshbp.ga.gov.

33. We’d like to THANK YOU for allowing us to be your health care coverage provider and would be honored to continue to serve you in 2013. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Drugs and prices may vary between pharmacies and are subject to change during the plan year. UnitedHealthcare® Medicare Advantage plans are insured through UnitedHealthcare Insurance Company and its affiliated companies, a Medicare Advantage organization with a Medicare contract.

34. FAQsFrequently Asked Questions & Answers QUESTION #1 • I (or my spouse) is not yet 65, but will be turning 65 later this year. How do we get enrolled in the Medicare Advantage (MA) PPO plan? ANSWER • Approximately 3 months prior to your 65th birthday, you will receive a kit from your current vendor and a letter from SHBP explaining the process. • A few important notes: • You must send SHBP a copy of your Medicare Part B card or a copy of the letter from Social Security approving your Medicare as soon as you receive it. • Once we have a copy of your Medicare Part B card, you will automatically be enrolled in the Standard plan option with your current carrier (unless you choose otherwise), effective the first day of your birthday month. • If you do not provide a copy of your Medicare card, you will remain in the Standard option of your current plan and health care vendor. However, you will be charged 100% of the premium. • A current mailing address is a must! All communications are mailed to the last known address. MA PPO enrollment requires a street address.

35. FAQsFrequently Asked Questions & Answers QUESTION #2 • Can we (my spouse and I) pick different plan options or do we both have to elect the same plan option? ANSWER • No. • Spouses and/or dependents must follow the election of the retiree. You cannot mix and match unless… • You and your spouse are BOTH retirees of the State and each have your own single coverage, or • You are a “split-age” family (meaning one is under 65, the other is over 65 and enrolled in one of the MA PPO options).

36. FAQsFrequently Asked Questions & Answers QUESTION #4 • What if my doctor is not in the network? How much will I pay? ANSWER • As long as your provider accepts Medicare, you may continue to see this provider as an out-of-network provider in 2013. • Your cost is the same as if the doctor was contracted and in-network. • Please be sure your provider understands that you have a PPO plan with out-of-network coverage.

37. FAQsFrequently Asked Questions & Answers QUESTION #5 • I have an RX plan under my spouse’s coverage. Do I need to cancel that? ANSWER • As long as your spouse’s plan is not considered a MA or Part D plan, you can maintain both. • However, if your other coverage is a MA or Part D plan, once enrolled in the SHBP MA PPO plan, you will automatically be dis-enrolled from the other MA or Part D Plan as MA plans can not have coverage under two MA or Part D plans. • Since the MA PPO plan includes full-prescription drug coverage, you don’t need two separate plans.