[ [ The ProblemThe Problem ] ]

Rational Consumersin an

Irrational System

[ [ Defined ContributionDefined Contribution ] ]

Employee receivesfixed amount of money to buy

health care coverage

[ [ Vivius Value Proposition Vivius Value Proposition ]]

The Right Benefits

The Right Providers

The Right Price

Choice and Control for Each Family Member

[ [ Physician Defines Fees Physician Defines Fees ]]

[ [ Vivius Calculates Premium Vivius Calculates Premium ]]

[ [ Six Steps to Enroll Six Steps to Enroll ]]1. Pick your copayment levels2. Pick the family member3. Select a doctor who will help make the

network selections 4. State your preferences5. Review the panel 6. Make changes to benefits or network

[[ Consumer and Doctor Define Network Consumer and Doctor Define Network ]]

[[ Consumer Defines Payroll Deduction Consumer Defines Payroll Deduction ]]

= $55/month

[[ Consumer Changes Doctor Consumer Changes Doctor ]]

= $50/month

[[ Consumer Changes Copayments Consumer Changes Copayments ]]

= $45/month

Hospital Inpatient Copayment changed from $300 to $500

Tier I: Co-Payment Benefits

Panel you createdPersonal Panel

Panel Created for YouExtended Network

Tier II: Deductible and Co-Insurance Benefits

Panel you didn’t selectPersonal providers not

selected

Out of area panel created for you

Out of Area Network

[ [ Spokane Results Spokane Results ]]

82% penetration against an HMO, PPO Only 16 of 500 enrollees needed phone support Rated 4.6/5.0 for ease of use

[ [ Denver Denver ]] Joint venture with MMA

Self funded, open access product Wholesale product to insurers

Available for January 1, 2003 business

[ [ The SolutionThe Solution ] ] True competition among providers Incentives for quality Individual values for selections Budgets encouraging price to value decisions Buy coverage not servicesAn open marketplace with rational purchasing

[ [ Vivius Value Proposition Vivius Value Proposition ]]

The Right Benefits

The Right Providers

The Right Price

Choice and Control for Each Family Member

Somebody has to do Somebody has to do something,something,it’s amazing it has to be it’s amazing it has to be us.us.

Jerry GarciaThe Grateful Dead