Newsura TeamNewsura Team

• Scott Terpstra – 916-580-1807 scottterpstra@newsura.com

• Ida Trimmer – 916-580-1806 idatrimmer@newsura.com

Purpose of Today’s MeetingPurpose of Today’s Meeting

Illustrate value to Orthopaedic Specialties of North County

Provide plan options that can save money while enhancing benefits for plan members

RequestsRequests1. No further reduction in employees’ benefits

2. No further shift to employees’ cost

3. Be creative

4. Show Self Funded option

5. Provide quality helpful support for Joyce

Why Newsura?Why Newsura? Newsura desires to earn your business by providing:

– Exclusive dedication to California medical groups;

– An extra level of service you may not currently be experiencing;

– Superior benefit expertise;

– Tools that will assist you and your employees with their employee benefit plans;

– Provide creative and innovative benefit plan enhancements

Extra Level of ServiceExtra Level of Service• Account Executive – Ida

– 30+ years of group benefit experience– Ida’s Teammate- Leslie Caruthers- 16 years experience– Reference - North County Radiology

• Scott Raymond- CEO 760-547-8010• Sylvia Ramirez – Benefits Coordinator – 760-547-8082

Today’s MeetingToday’s Meeting• Illustrate Newsura Tools:

– Simplify administrative duties– Provide easy access for plan members– Help plan members have better understanding of benefits

• Self-Funding• SeeChange Health• Broker-of-Record

TOOLSTOOLS• Custom Employee Benefits Intranet Site

osnc.newsura.com

Self FundingSelf Funding• Plan Design (used current three plans)• Administration (Third Party Administrator – TPA)• Network (Utilization Review & Case Management) -

CIGNA• Insurance Fixed Costs (insurance that caps risk)• Self Insured Variable Costs (Claims)

Employee Dependent Employee Dependent Employee Dependent

Alleyne, Neville 54 FAM $476.00 $759.00 $358.00 $571.00 $312.00 $496.00

Amory, David 47 EE/CH $362.00 $248.00 $272.00 $187.00 $237.00 $162.00

Baker, Christy 27 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Bobick, Brian 36 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Borham, Charles 27 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Brooks, Tovi 35 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Canedo, Enedina 41 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Carter, Vanessa 33 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Cecil, Ellen 64 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00

Corning, Laurie 54 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00

Couter, Melissa 27 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Cuthill, Lois 56 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00

Daugherty, David 52 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00

Donaldson, Lesley 42 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Dunlap, Janet 55 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00

Espinoza, Chantel 44 EE/SP $362.00 $382.00 $272.00 $288.00 $237.00 $250.00

Fleming, Paige 42 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Galindo, Monique 46 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Garber, Marc 36 FAM $298.00 $625.00 $224.00 $470.00 $195.00 $409.00

Geddis, Pamela 56 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00

Haffner, Erin 29 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Hartman, Andrew 40 EE/CH $362.00 $248.00 $272.00 $187.00 $237.00 $162.00

Helgager, James 65 EE/SP $996.00 $1,339.00 $749.00 $1,007.00 $652.00 $876.00

Henderson, Shirley 35 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Hill, Tina 50 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00

Imoto, Joyce 54 EE/CH $476.00 $238.00 $358.00 $179.00 $312.00 $155.00

Kay, Irene 58 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00

Kennedy, Christine 62 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00

Koskela, Carol 60 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00

Krebs, Lori 56 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00

Larson, Christina 28 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Lopez, Nicholas 31 FAM $298.00 $625.00 $224.00 $470.00 $195.00 $409.00

Luna, Elizabeth 48 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Marlatt, Gregg 64 EE/SP $843.00 $814.00 $634.00 $613.00 $552.00 $533.00

Masukawa, Leah 31 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Moss, Nicholas 28 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Mullen, Julia 46 FAM $362.00 $605.00 $272.00 $456.00 $237.00 $396.00

Obregon, Kathryn 26 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Paull, Lory 48 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Pettis, Mellissa 37 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Phillips, Melodie 52 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00

Sanchez, Raul 38 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Sandoval, Josielyn 44 EE/CH $362.00 $248.00 $272.00 $187.00 $237.00 $162.00

Schnegelberger, Joan 64 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00

Stark, Erick 37 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Tapprich, Jill 45 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Walker, Patricia 32 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Wallig, Heather 42 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Walsh, Jake 32 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Watson, Patti 53 EE/SP $476.00 $610.00 $358.00 $459.00 $312.00 $399.00

$21,636 $6,741 $16,266 $5,074 $14,165 $4,409

Monthly Total

COMPOSITE RATES

Employee Age StatusAetna $3,500 HSA

$28,377 $21,340 $18,574

Aetna $2,000 PPO Aetna $2,500 PPO

Employee Only 38 $12,208.02Emp & Spouse 4 $2,828.13Employee & Children 4 $2,317.15Family 4 $3,986.70

$21,340.00

$321.26$707.03$579.29$996.68

COMPOSITE RATES

Medcap Terms

Current Plan Design Used $2,000 $2,500 3500 H.S.A.

Premium Rates

Employee Only 38 $160.85 $153.14 $152.61Emp & Spouse 4 $321.69 $306.28 $305.22Employee & Children 4 $305.61 $290.96 $289.96Family 4 $466.46 $444.11 $442.58Estimated Monthly Premium $10,487 $9,985 $9,950

Administration Cost

Employee Composite $25.00 $25.00 $25.00CIGNA Provider Network & UR & LCM $15.50 $15.50 $15.50

Total Fixed Costs

Employee Only 38 $201.35 $193.64 $193.11Emp & Spouse 4 $362.19 $346.78 $345.72Employee & Children 4 $346.11 $331.46 $330.46Family 4 $506.96 $484.61 $483.08Total Monthly Fixed Costs $12,512.25 $12,009.78 $11,975.31

Aggregate Stop Loss Funding Factors

Employee Only 38 $163.49 $155.65 $155.12Emp & Spouse 4 $326.98 $311.30 $310.24Employee & Children 4 $310.63 $295.74 $294.73Family 4 $474.12 $451.39 $449.85 Monthly Funding $10,660 $10,148 $10,114

Employee Only $364.84 $349.29 $348.23Emp & Spouse $689.17 $658.08 $655.96Employee & Children $656.74 $627.20 $625.19Family $981.08 $936.00 $932.93

SELF FUNDINGCoverage: Med, Rx Contract Type 12/12

FIXED COSTS

VARIABLE COSTS

COMBINED FIXED & VARIABLE COSTS

Premiums

Employee Only $160.85 $153.14 $152.61Emp & Spouse $321.69 $306.28 $305.22Employee & Children $305.61 $290.96 $289.96Family $466.46 $444.11 $442.58

AdministrationEmployee Composite $25.00 $25.00 $25.00CIGNA Provider Network & UR & LCM $15.50 $15.50 $15.50

Aggregate Stop Loss Funding Factors

Employee Only 38 $163.49 $155.65 $155.12Emp & Spouse 4 $326.98 $311.30 $310.24Employee & Children 4 $310.63 $295.74 $294.73Family 4 $474.12 $451.39 $449.85

Pay these for 3 months

AGGREGATE TERMINAL LIABILTY (Used if go back to fully insured)

Pay these for 2 months

Pay these for 3 months

12/12

Aetna Plan Variable Terminal ¹ Total

Employee Only 38 $321.26 $193.64 $155.65 $74.35 $423.64Emp & Spouse 4 $707.03 $346.78 $311.30 $132.33 $790.41Employee & Children 4 $579.29 $331.46 $295.74 $122.03 $749.24Family 4 $996.68 $484.61 $451.39 $3.00 $939.00Annual $21,340 $12,010 $10,148 $3,855 $26,013Monthly $256,080 $144,117 $121,781 $46,258 $312,156

$256,080

¹ Amortized the Total Terminal Liabilty Costs into a montly cost

$265,898 $312,156

SUMMARY

Self Funded

$2500 Fixed

SeeChange HealthSeeChange Health• Updated bid for 3.1.12 effective date• CIGNA PPO Network• Health Reimbursement Arrangement (HRA)• HRA Administered by Newsura

Employee Dependent Employee Dependent Employee DependentAlleyne, Neville 54 FAM $476.00 $759.00 $358.00 $571.00 $312.00 $496.00 Amory, David 47 EE/CH $362.00 $248.00 $272.00 $187.00 $237.00 $162.00 Baker, Christy 27 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00 Bobick, Brian 36 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Borham, Charles 27 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00 Brooks, Tovi 35 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Canedo, Enedina 41 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00 Carter, Vanessa 33 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Cecil, Ellen 64 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00 Corning, Laurie 54 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00 Couter, Melissa 27 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Cuthill, Lois 56 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00 Daugherty, David 52 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00

Donaldson, Lesley 42 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00 Dunlap, Janet 55 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00

Espinoza, Chantel 44 EE/SP $362.00 $382.00 $272.00 $288.00 $237.00 $250.00 Fleming, Paige 42 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Galindo, Monique 46 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00 Garber, Marc 36 FAM $298.00 $625.00 $224.00 $470.00 $195.00 $409.00

Geddis, Pamela 56 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00 Haffner, Erin 29 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Hartman, Andrew 40 EE/CH $362.00 $248.00 $272.00 $187.00 $237.00 $162.00 Helgager, James 65 EE/SP $996.00 $1,339.00 $749.00 $1,007.00 $652.00 $876.00

Henderson, Shirley 35 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00 Hill, T ina 50 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00

Imoto, Joyce 54 EE/CH $476.00 $238.00 $358.00 $179.00 $312.00 $155.00 Kay, Irene 58 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00

Kennedy, Christine 62 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00 Koskela, Carol 60 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00

Krebs, Lori 56 EE $643.00 $0.00 $484.00 $0.00 $421.00 $0.00 Larson, Christina 28 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00 Lopez, Nicholas 31 FAM $298.00 $625.00 $224.00 $470.00 $195.00 $409.00 Luna, Elizabeth 48 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00 Marlatt, Gregg 64 EE/SP $843.00 $814.00 $634.00 $613.00 $552.00 $533.00

Masukawa, Leah 31 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00 Moss, Nicholas 28 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Mullen, Julia 46 FAM $362.00 $605.00 $272.00 $456.00 $237.00 $396.00 Obregon, Kathryn 26 EE $228.00 $0.00 $171.00 $0.00 $149.00 $0.00

Paull, Lory 48 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00 Pettis, Mellissa 37 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Phillips, Melodie 52 EE $476.00 $0.00 $358.00 $0.00 $312.00 $0.00 Sanchez, Raul 38 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00

Sandoval, Josielyn 44 EE/CH $362.00 $248.00 $272.00 $187.00 $237.00 $162.00 Schnegelberger, Joan 64 EE $843.00 $0.00 $634.00 $0.00 $552.00 $0.00

Stark, Erick 37 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00 Tapprich, Jill 45 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Walker, Patricia 32 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00 Wallig, Heather 42 EE $362.00 $0.00 $272.00 $0.00 $237.00 $0.00

Walsh, Jake 32 EE $298.00 $0.00 $224.00 $0.00 $195.00 $0.00 Watson, Patti 53 EE/SP $476.00 $610.00 $358.00 $459.00 $312.00 $399.00

$21,636 $6,741 $16,266 $5,074 $14,165 $4,409

Monthly Total

CURRENT AETNA PLAN COSTS

$28,377 $21,340 $18,574

Employee Age StatusAetna $2,000 PPO Aetna $2,500 PPO Aetna $3,500 HSA

EE Only 38 $254.00ES 4 $559.00EC 4 $458.00EF 4 $788.00

50 $16,872

$1,00015.8%

EMPLOYER COST COMPARISON

SeeChange $5,000 HRA

Aetna Rates Converted to 4 T ier Composite Rates1.682 1.265 1.101

$427.20 $321.26 $279.62$940.18 $707.03 $615.39$770.31 $579.29 $504.20

$1,325.34 $996.68 $867.49

$28,377 $21,340 $18,574

Employer Annual Cost: SeeChange Health AetnaPremiums ¹ $152,400 $192,758

HRA Claims Cost ² $22,658 $7,879Claims Admin Fee ³ $3,450 $3,600

Total Cost $178,508 $200,637

Estimated Projected Savings: $22,129

Expected HRA Utilization:

First $1,000 (double current utilization) $15,758 Current HRA Amount:

² This is the result of the HRA promised to the employee times the utilization.³ Newsura: One time set up fee of $450, then $5.00/employee/month. TASC: Estimated $6.00/month for fees.

$2,500 to $4,800 ($2,300) x 3 $6,900 Current Utilization :Total Estimated HRA Utilization $22,658

¹ 100% of the employee cost for the $2,500 Aetna PPO plan and 100% of the employee cost for the SeeChange Health $5,000 HRA plan.

Status HRA $5,000 Total Gross OOP 1

EE Only $0.00 $5,500ES $305.00 $18,160 Single $5,500EC $204.00 $16,948 Family $14,500EF $534.00 $20,908

NOTE: Assumes employer pays 100% of the employee only cost of this plan.

Status $2,000 PPO Total Gross OOP 1

EE Only $105.94 $7,271ES $618.92 $20,427 Single $6,000

EC $449.05 $18,389 Family $13,000 3

EF $1,004.07 $25,049

Status $2,500 PPO Total Gross OOP 1

EE Only $0.00 $6,500ES $385.77 $18,629 Single $6,500

EC $258.02 $17,096 Family $14,000 3

EF $675.41 $22,105

NOTE: Employer pays 100% of the employee only cost of the $2,500 PPO plan.

1. Total Gross OOP = Out-of-Pocket claims + Employee annual premium cost2. Maximum OOP = Out-of-Pocket claims maximum (includes deductible)3. Two family members must meet their full maximum OOP. Therefore, for employees covering more than one dependent, their maximum OOP could potentially be much greater.

Maximum OOP 2

Maximum OOP 2

SeeChange Health Costs to Employee

Aetna Costs to Employee

Maximum OOP 2

Plan: HRA $5,000 Select $8,000 Select $10,000 HSA $5,000 HSA $4,000 HSA $3,000Employee Only $254.00 $227.00 $224.00 $264.00 $283.00 $309.00

Employee + Spouse $559.00 $499.00 $493.00 $580.00 $623.00 $680.00Employee + Child(ren) $458.00 $409.00 $404.00 $475.00 $510.00 $557.00

Employee + Family $788.00 $704.00 $695.00 $817.00 $877.00 $958.00

Plan: $2,000 PPO $2,500 PPO $3,500 HSAEmployee Only $427.20 $321.26 $279.62

Employee + Spouse $940.18 $707.03 $615.39Employee + Child(ren) $770.31 $579.29 $504.20

Employee + Family $1,325.34 $996.68 $867.49

SeeChange Health Rates

Aetna Rates

SeeChange HealthSeeChange Health

• Use $5000 HRA Plan - $40,358/year less for employer– Also provides savings for employees who cover dependents

• Use savings to fund additional into HRA– Make HRA subject to completing SeeChange Health Assessment

requirements– Provides better benefits for employees– Still provides savings for Orthopaedic Specialists

EE Only 38 $254.00ES 4 $559.00EC 4 $458.00EF 4 $788.00

50 $16,872

2nd Yr. est. 2nd Yr.

1.08 $164,592 1.08 $208,179

$22,658 $7,879

$3,000 $3,600

$190,250 $219,658

$1,00015.8%

² This is the result of the HRA promised to the employee times the utilization.³ Newsura: One time set up fee of $450, then $5.00/employee/month. TASC: Estimated $6.00/month for fees.

2nd Year Savings$29,408

2 year Savings $51,537

$2,500 to $4,800 ($2,300) x 3 $6,900 Current Utilization :Total Estimated HRA Utilization $22,658

¹ 100% of the employee cost for the $2,500 Aetna PPO plan and 100% of the employee cost for the SeeChange Health $5,000 HRA plan.

Estimated Projected Savings: $22,129

Expected HRA Utilization:

First $1,000 (double current utilization) $15,758 Current HRA Amount:

Claims Admin Fee ³ $3,450 $3,600Total Cost $178,508 $200,637

Premiums ¹ $152,400 $192,758HRA Claims Cost ² $22,658 $7,879

$28,377 $21,340 $18,574

Employer Annual Cost: SeeChange Health Aetna

$770.31 $579.29 $504.20$1,325.34 $996.68 $867.49

$427.20 $321.26 $279.62$940.18 $707.03 $615.39

EMPLOYER COST COMPARISON

SeeChange $5,000 HRA

Aetna Rates Converted to 4 T ier Composite Rates1.682 1.265 1.101

Two Year Savings

SeeChange HealthSeeChange Health– Financial Strength

• Funded by $72,000,000 of Venture Capital • California Department of Insurance requires 250% of capital &

surplus to risk• SeeChange has agreed to maintain 300%• Currently @ 2000+%

AGENDAAGENDA1.1.Who is Newsura Who is Newsura (2 minutes)(2 minutes)

2.2.Service Oceanside from Sacramento… HUH??? Service Oceanside from Sacramento… HUH??? (2-3 Minutes)(2-3 Minutes)

3.3.Newsura ValueNewsura Value Added Services Added Services (4-5 minutes)(4-5 minutes)

4.4. Review of Small Group Quotes Review of Small Group Quotes (5-10 Minutes)(5-10 Minutes)

5.5. Review of Large Group quotes Review of Large Group quotes (2-3 minutes)(2-3 minutes)

6.6. Thorough review of possible new competitive opportunity Thorough review of possible new competitive opportunity – SeeChange Health – SeeChange Health (20-25 minutes) (20-25 minutes)

Who Is Newsura?Who Is Newsura?

Who Is Newsura?Who Is Newsura?

Who Is Newsura?Who Is Newsura?

Who Is Newsura?Who Is Newsura?

Who Is Newsura?Who Is Newsura?

Service Oceanside from Sacramento?Service Oceanside from Sacramento?• Southwest Airlines … 10 scheduled flights per day from Sacramento to San Diego• 75% of Newsura’s clients are over 300 miles away… San Luis Obispo, Santa Barbara, LA, Orange, San

Diego, Riverside and San Bernardino• It is our business model – • Team Approach –

– Scott Terpstra – Sr. Vice President 33 years group health experience – Oversee all insurance strategy and negotiations– Leslie Caruthers – Account Executive – 16 years experience (she is one of the very best at what she does) – Joyce’s dedicated daily

assistant & day to day advocate for employees and their dependents

• 99% of all issues are handled via phone or e-mail – Leslie is available all day 5 days per week to work on behalf of Joyce and all employees and their dependent spouses

• Perform all open enrollment meetings in person (as many as needed)• Will make as many in person meetings per year as you require

Value Added ServicesValue Added Services• Health Butler http://healthbutler.com/

• MySecure Advantage - http://www.mysecureadvantage.com/

• Benergy: http://xuberant.benergy.com – User ID: newdemo– Password: newdemo

Value Added ServicesValue Added Services• Benefits Web link: http://osnc.newsura.com/

• Administration Services: www.newsura.com

Small Group ReviewSmall Group Review

• Must have at least 50 or less employees per tax IDMust have at least 50 or less employees per tax ID

• Aetna is quite competitive in San Diego… not typically as mush so in other areasAetna is quite competitive in San Diego… not typically as mush so in other areas

• Review of other insurance company quotesReview of other insurance company quotes

Large Group ReviewLarge Group ReviewSent bid requests to:Sent bid requests to: • Anthem Blue Cross – Quoted … Not competitiveAnthem Blue Cross – Quoted … Not competitive• Blue Shield – Declined to quote… Stated they could not be competitiveBlue Shield – Declined to quote… Stated they could not be competitive• CIGNA –Declined to quote*CIGNA –Declined to quote*• Great West Life (self-funded division of CIGNA) declined to quote*Great West Life (self-funded division of CIGNA) declined to quote*• HealthNet – Did not respondHealthNet – Did not respond• United HealthCare – Still awaiting quote United HealthCare – Still awaiting quote • SeeChange Health – Quoted and was competitiveSeeChange Health – Quoted and was competitive

*Most (if not all) insurance companies in the large group market will place an “Industry *Most (if not all) insurance companies in the large group market will place an “Industry Load” on any group that is in the medical related business, so most often, the Small Load” on any group that is in the medical related business, so most often, the Small Group marketplace remains the most competitive as there are no industry loads and Group marketplace remains the most competitive as there are no industry loads and all groups are pooled.all groups are pooled.

SeeChange HealthSeeChange Health

• New insurance company in California (2 years old)New insurance company in California (2 years old)• Just began insuring employers in 2010Just began insuring employers in 2010• Insurance companies are traditionally evaluated by a rating agency called “AM Best.” Insurance companies are traditionally evaluated by a rating agency called “AM Best.”

AM Best does rate companies until they have been in business for at least 5 years; AM Best does rate companies until they have been in business for at least 5 years; therefore, they have no rating.therefore, they have no rating.

• Other methods of evaluation:Other methods of evaluation:–Capital & Surplus RatiosCapital & Surplus Ratios–Financial BackingFinancial Backing–ManagementManagement

SeeChange HealthSeeChange Health

•Newsura is currently is performing our due- diligence of SeeChange HealthNewsura is currently is performing our due- diligence of SeeChange Health•Initial review is favorableInitial review is favorable

Broker of RecordBroker of Record

1.1. Have Newsura begin working for you now, while Have Newsura begin working for you now, while we continue to evaluate SeeChange Healthwe continue to evaluate SeeChange Health

2.2. Experience “Insurance Management” peace of Experience “Insurance Management” peace of mindmind

3.3. Begin to use Newsura “Value Added” services Begin to use Newsura “Value Added” services nownow