GlidePath:+BCBSM’s+Private+Exchange+Solu;on+

Why+GlidePath?+

2

It#sa&sfies#both#employer#and#employee#needs,#while#providing#predictability,+choice,+and+control.+

GlidePath+Current+State+

Over+10,000+Michigan+residents+are+using+the+GlidePath+plaForm!+######Seven#ac&ve#groups#–#5,500#members######Two#re&ree#groups#–#4,900#members##Who+is+eligible+for+GlidePath?++

####During#Focused+Release+phase,#fully#insured#and#selfCfunded#ac&ve##

####groups,#51+#FTEs#

3

2013+–+5+Product+Families+!

4 4 4

Premium+Costs High Low

Low

High

Co

verage

2014+Product+Families+Menu%A* Coinsurance OOPM PCP+OV/SPEC+OV/UC/ER

PPO HMO+ Simply#Blue#1000 BCN#1000 20% $3,500 30/50/60/150

Simply#Blue#HSA#1250# BCN#HSA#1250 20% $2,250 80%#aTer#inCnetwork#deduc&ble,#with#20%#coinsurance

Simply#Blue#2500 BCN#2500 20% $5,000 30/50/60/150

Simply#Blue#HSA#3000 BCN#HSA#3000 20% $4,000 80%#aTer#inCnetwork#deduc&ble,#with#20%#coinsurance

Simply#Blue#4000 BCN#4000 30% $6,350 30/50/60/150

Menu%B*

PPO HMO Simply#Blue#250 BCN#250 20% $1,750 20/40/60/150

Simply#Blue#500 BCN#500 20% $2,000 20/40/60/150

Simply#Blue#1000 BCN#1000 20% $3,500 30/50/60/150

Simply#Blue#HSA#1250 BCN#HSA#1250 0% $2,250 N/A

Simply#Blue#HSA#2000 BCN#HSA#2000 0% $3,000 N/A

PPO HMO Rx#Op&on#A 15/50/50%/20%/25% 4/15/40/80/20%/20% Rx#Op&on#B 10/40/80 10/40/80

Pharmacy+Op;ons:+*2014#menu#op&ons#are#dependent#on#OFIR#approval#

5

2014+Sponsored+Dental+and+Vision+Op;ons++

6

Note: Sponsored Ancillary Options require a minimum monthly contribution. Dental: $15 - Vision: $3.75 - Both: $16.65 (This is a per subscriber contribution) +++

Vision:+++

Dental:++

2014+Voluntary+Dental+and+Vision+Op;ons++

7

Vision:+++

Dental:++

GlidePath+Process+

8

This+process+“engages”+employees+in+the+health+insurance+buying+decision+

Significant+GlidePath+Results+

66%+of#employees#substan&ally#�bought##down�#on#the#exchange#

#

62%+of#employees#took#the#GlidePath#Decision#Support#survey#

#

79%+of#members#believe#their#enrollment#experience#is#as#good#as#

or#be]er#than#last#year#

#

9

Working+with+GlidePath+Advisors+

GlidePath+Advisor+

Available++8+am+–+11+pm++Eastern+;me+Seven+Days+a+

Week!+

Licensed

Individualized

Trusted

Customer- focused

10

!  OneConCone#support#to#navigate#the#health#care#system.#

!  Consumer#health#care#educa&on#and#coaching#

!  Staffed#by#registered#nurses#and#other#creden&aled#advisors#

!  Available#to#the#en&re#family,#including#parents#

Resource%for%Employee%Empowerment%

The+GlidePath™+Service+Advantage+

Employer+Selec;on+

Employee+“Shopping”+

Member+Service+

! Broad+na;onwide+provider+networks+

! Neutral+to+agent+and+consul;ng+partners+

! GlidePath+Advisors+! Online+enrollment+system+

! Health+Advocate™+! Customer+Service++Professionals+

! Walkein+Centers+! Access+to+besteineclass+providers+na;onwide+

Delivering#a#bestCinCclass,#high#touch#end%to%end#customer#experience#from#selec&on#through#u&liza&on#

#

12

A+Review+of+Our+Experience+With+GlidePath+

13

•  Two#years#of#experience#opera&ng#a#private#exchange#serving#Michigan#Companies#

•  Provide#stability#before#market#introduc&on#

•  Sa&sfied#group#references#