1. HumanaOne health plans for individuals and families1 1 1

2. Product Portfolio Map * Association States – AZ, FL, MI, WI WI* MI* NE
HumanaOne New Business States
WI*
MI* NE OH NV IL IN UT VA CO KS MO KY NC TN
AZ* OK SC NM AR MS AL GA TX LA
FL*
Old Plans
New Plans
* Association States – AZ, FL, MI, WI

3. Portability
If a client has a child who attends college in another state, that child will receive in-network benefits by seeing an in-network provider
If a client moves to another state they can take their policy with them even if HumanaOne is not sold in that state
This is not the case for new sales in FL Open Access counties, WI Coalition Counties and GA policies

4. HumanaOne Individual Health Plans
(OLD PRODUCTS)
Alabama, Arkansas, Illinois, Indiana, Kansas, Kentucky, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee and Virginia 4 4

5. PORTRAIT Share 80 Plus Rx Unlimited
80% coinsurance
Deductibles:
single: $1,000; $2,500
family: $2,000; $5,000
Unlimited doctor visits
Separate $500 Rx deductible
$0 Rx deductible buy-up option
Read slide.
For family deductible, two individuals must meet their single deductibles.

6. AUTOGRAPH Share 80 Plus Rx
80% coinsurance
Deductibles:
single: $3,500; $5,000; $6,000
family: $7,000; $10,000; $12,000
Six office visits, then 80% after deductible
Separate $1,000 Rx deductible
$500 Rx deductible buy-up option
35% reduction in premium over Portrait!
First 2 of 5.
Read slide.
As with the Portrait plan, the “Share 80” and “Share 70” describes the coinsurance portion of the plan, and the “Plus Rx” signifies that both of these plans have Rx coverage.

7. Rx benefit for Portrait and Autograph Plans
Level 1: $15 copay ONLY
no deductible
38% of Rx claims fall into Level 1
Separate $500 (Portrait) or $1,000 (Autograph) deductible then copay:
Level 2: $35 copay
Level 3: $55 copay
Level 4: 25% copay (Up to $2,500 maximum out-of-pocket per person per calendar year)
Option to buy up to a $0 deductible on Portrait or a $500 deductible on Autograph.
Read slide.
Level 1, like amoxicillin, are lowest cost generic and brand-name drugs
Level 2 are higher cost generic and brand-name drugs
Level 3 are higher cost, mostly brand-name drugs that may have generic or therapeutic equivalents in Levels One or Two
Level 4 – are high technology drugs (certain brand-name drugs, biotechnology drugs and self-administered injectable medications)

8. Office Visit Co-pay Doctor visits for injuries / illnesses
UNLIMITED Office Co-pays (Portrait) or 6 Co-pays per person (Autograph Share 80 Plus Rx)
$35 co-pay for primary care physician
$50 co-pay for specialist
$200 allowance for diagnostics and labs at 100% before deductible

9. AUTOGRAPH Total Plus Rx / HSA
HSA-Qualified
100% coinsurance
Deductibles:
single: $1,500, $2,500, $3,500; $5,000
family: $3,000, $5,000, $7,000, $10,000
Rx expenses integrated with medical deductible

10. AUTOGRAPH Total / HSA 100% coinsurance Deductibles:
single: $2,000, $3,000, $4,000; $5,200
family: $4,000, $6,000, $8,000, $10,400
No Rx benefit; but discount card
Use HSA to fund discounted prescriptions
Allows for favorable UW and rate-ups are avoided
Does not cover mental health (except where mandated by the state)

11. Monthly premium for a 25 year old male = $51.72
MONOGRAM Total Plus Rx
100% coinsurance
Deductibles:
single: $7,500
family: $15,000
Separate $1,000 Rx deductible
Same Rx tier structure with slightly higher copays on tiers 2-4 (see your benefit summary)
Read slide.
As with the other plans, the “Total” represents that coinsurance is 100%, and the plan has Rx coverage.
Monthly premium for a 25 year old male = $51.72

12. Back by popular demand - Share 70 Plus Rx
70% coinsurance
Deductibles
Single: $2,500 or $5,000
Family: $5,000 or $10,000
Out-of-pocket maximum coinsurance
Single: $3,000
Family: $6,000
Separate $1,000 Rx deductible
Available in CO, FL, GA, MI, TX, WI 12 12

13. Important Notes Applicants Who Are Not Replacing Coverage Other Notes
If an applicant has not had coverage in the last 63 days
Earliest effective date is 30 days from the date of complete application
UW will complete a “not replacing” questionnaire
If an applicant has not had coverage in the last 2 years
Underwriting will require the applicant to have a physical examination prior to application
Other Notes
Integrated 4th Quarter deductible carry-over on non-HSA plans
90 day wait period for preventive care
Optional Benefits covered in next section with New Plan Designs
Dental, Term Life and Supplemental Accident Coverage

14. HumanaOne Individual Health Plans
(NEW PRODUCTS)
Arizona, Colorado, Florida, Georgia, Louisiana, Michigan, Texas, Utah and Wisconsin 14 14

15. Enhanced Copay 80% (Similar to Portrait)
80% coinsurance
Deductibles
Single: $500, $1,000, $1,500, $2,000, $2,500, $3,500, $5,000
Family: Once three family members meet their single deductibles, the family deductible will be met for all other family members
Out-of-pocket maximum coinsurance
Single: $2,500 / Family: $5,000
Unlimited doctor office visits $35 copay primary care physician/$60 copay specialist
$60 copay for an urgent care visit
Separate $500 Rx deductible (buy-up to $150)
Similar to Portrait
Office visit is an office visit regardless of preventive care or illness
In-network coinsurance and deductibles are shown 15

16. Copay 80% (Similar to Autograph Share 80 Plus Rx )
80% coinsurance
Deductibles
Single: $3,500, $5,000
Family: Once three family members meet their single deductibles, the family deductible will be met for all other family members
Out-of-pocket maximum coinsurance
Single: $3,500 / Family: $7,000
Six doctor office visits
$35 copay primary care physician /$60 copay specialist
$60 copay for an urgent care visit
After six visits then 80% after deductible
Separate $700 Rx deductible (buy-up to $300)
similar to Autograph Share 80 Plus Rx plans
In-network coinsurance and deductibles are shown 16

17. Copay 70% (Similar to the Autograph Share 70)
70% coinsurance
Deductibles
Single: $1,500, $2,500, $5,000
Family: Once three family members meet their single deductibles, the family deductible will be met for all other family members
Out-of-pocket maximum coinsurance
Single: $5,000 / Family: $10,000
Three doctor office visits $35 copay primary care physician /$60 copay specialist
$60 copay for an urgent care visit
After 3 visits then 70% after deductible
Separate $1,000 Rx deductible (buy-up to $500)
similar to the Autograph Share 70 plans recently re-introduced in a subset of states
In-network coinsurance and deductibles are shown 17

18. Value 100% (Similar to Monogram)
100% coinsurance
Deductibles
Single: $5,000, $7,500
Family: Once three family members meet their single deductibles, the family deductible will be met for all other family members
Separate $1,000 Rx deductible
Perfect plan for first time insurance buyers and those not yet eligible for Medicare
Similar to Monogram
In-network coinsurance and deductibles are shown 18

19. Prescription benefit: Rx4
Level 1: $15 copay (No deductible applies- copay only)
50% of all Rx claims fall into Level 1
Level 2: $35 copay ($40 copay for Copay 70% and Value 100%)
40% of all Rx claims fall into Level 2
Level 3: $60 copay ($65 copay for Copay 70% and Value 100%)
10% of all Rx claims fall into Level 3
Level 4: 35% copay
Up to $5,000 copay maximum, level 4 only out-of-pocket expense per person per calendar year
No maximum that Humana will dispense
Less than 1% of all Rx claims fall into Level 4
Separate prescription deductible applies for Levels 2 through 4: 19

20. Enhanced HSA 100% (Similar to Autograph Total Plus Rx HSA)
100% coinsurance
Deductibles
Single: $1,500, $2,500, $3,500, $5,000, $5,950
Family: Benefits will be paid once the family deductible is met, regardless of the number of members on the plan
Rx expenses integrated with medical deductible
Enhanced HSA is similar to today's Autograph Total Plus Rx HSA 20

21. HSA 100% (Similar to Autograph Total/HAS)
Deductibles
Single: $1,500, $2,500, $3,500, $5,000, $5,950
Family: Benefits will be paid once the family deductible is met, regardless of the number of members on the plan
No Rx benefit; discount card available at up to 25% savings
Does NOT cover mental health (except where mandated by state)
Applicants will NOT be rated up for current Rx medications
Coverage for spinal manipulations, adjustments and modalities is not included (except where mandated by the state)
HSA is similar to today's Autograph Total/ HSA 21

22. Reform Changes to Benefits
Plans sold on or after Sept. 23, 2010 (excluding HumanaOne Short Term Medical plans) will have the following benefit changes:
Plans will have an unlimited lifetime maximum benefit
Plans will cover in-network preventive care services at 100 percent, and there will be no dollar limit on coverage for in-network preventive care services
Plans will have no limit on coverage for ambulance services
Plans will have no dollar limit on coverage for mental health care

23. Supplemental Accident Benefit option
$1,000 or $2,500 benefit choice is provided for accidental injuries only
- Old product has $500 or $1,000 benefit
Treatment must be administered within 90 days of the accident
Not subject to deductible or coinsurance - first dollar coverage administered before applicable co-pays
After benefit amount is exhausted, remaining charges are applied to the medical policy provisions
No limit on number of accidents per year
Ideal supplemental benefit to add on to higher deductible plans!
Read slide.
It also applies to both par and non par services. Previously we offered $500 and $1,000 benefit. We are providing the additional coverage as the agent desired to have an enhanced benefit.
Do not read:
The Medical Glossary of the members contract defines bodily injury as:
“Bodily Injury means damage resulting from sudden, violent, external physical trauma which could not be avoided or predicted in advance. Bodily damage resulting from infection or muscle strain due to athletic or physical activity is considered a sickness and not a bodily injury.”
This is an optional rider the members can elect to add to their plans.
(Do not read: An accident is defined by the ICD codes (International Classification of Disease). These are standard with doctors, and are used in claims payments.)

24. Dental Traditional Plus
Preventive Services: Plan pays 100% no deductible
Oral exams
Routine cleanings
X-rays
Basic Services: Plan pays 50% after deductible
Emergency exams
Composite fillings
Oral surgery
Major services: Plan pays 50% after deductible
Crowns
Root Canals
Dentures
Other benefits: Orthodontia discount
Read slide.
Waiting periods, limitations and exclusions may apply See your benefit summary for complete details and covered services

25. Dental Preventive Plus
Preventive Services: Plan pays 100% no deductible
Oral exams
Routine cleanings
X-rays
Sealants and fluoride treatments
Basic Services: Plan pays 50% after $50 deductible (six-month waiting period applies)*
Extractions
Space maintainers
Composite fillings
Oral surgery
Annual Maximum (excludes discount services) $1,000
Discount services
Receive a discount on services not covered under this plan. Savings average 27% nationwide on in-network services including Orthodontia services
Checkbox add-on in AZ, CO, MI, UT, WI
Read slide.
* Please refer to your state specific summary as benefits may vary

26. Term Life option Simple, convenient process
Amounts start at $25,000 up to $150,000
Combined Medical/Life Application - If your clients are approved for a health plan they are approved for life as well (up to $150K)
10, 15, and 20-year level premiums
Rates are guaranteed for the full term of the policy
Renewable to age 95 after the level premium period
Read slide.

27. New plan enhancements Rate classes
HumanaOne offers three competitive rate classes for its medical products. These classes are:
Preferred rating: our best rate for applicants who are in good health overall, take no current medication (except birth control), and who have had major medial coverage within the past 63 days (proof may be required)
Standard rating: applicants who don’t qualify for the preferred rating and/or have minor ongoing medical conditions
Stardard+ rating: applicants who are in fair health and require additional rating due to moderate medical conditions
Simplicity, Competitive advantage and extend more first dollar coverage.
Your client will be covered for preventive care immediately, not after 90 days. Preventive care is important and we’re extending the benefit.
Enhanced Copay 80%, Copay 80%, Copay 70%
Combined preventive and diagnostic office visit, and urgent care copay benefit (Unlimited, 6 and 3 visits based on plan)
Urgent care copay increased to $60 regardless of the provider type
Combined preventive and diagnostic x-ray and lab first dollar coverage benefit ($500, $400 and $300 based on plan)
Value 100% and Enhanced HSA 100%
$500 Preventive Care maximum on services not subject to the deductible (e.g. exams, mammograms)
HSA 100%
No preventive care maximum but all services are subject to deductible

28. Sickness effective date
New plan enhancements
Sickness effective date
Applicants will have peace of mind knowing they are covered for an injury immediately after policy issue
No longer moving the effective date forward 30 days
Applicants will start with a plan (injury) effective data and a sickness effective date
If applicant had a least 63 days of prior coverage at time of application, the sickness effective date will not apply
Sickness effective date is the 15th day after the policy effective date for bodily injury
Sickness effective date is issued at the member level
Simplicity, Competitive advantage and extend more first dollar coverage.
Your client will be covered for preventive care immediately, not after 90 days. Preventive care is important and we’re extending the benefit.
Enhanced Copay 80%, Copay 80%, Copay 70%
Combined preventive and diagnostic office visit, and urgent care copay benefit (Unlimited, 6 and 3 visits based on plan)
Urgent care copay increased to $60 regardless of the provider type
Combined preventive and diagnostic x-ray and lab first dollar coverage benefit ($500, $400 and $300 based on plan)
Value 100% and Enhanced HSA 100%
$500 Preventive Care maximum on services not subject to the deductible (e.g. exams, mammograms)
HSA 100%
No preventive care maximum but all services are subject to deductible

29. Underwriting 29 29

30. Other Important Notes Eligible Ages Effective Dates
2 weeks to 64 ½ years old
No Child Only Applications
Effective Dates
Any day of the month including the day they apply
Up to 45 days in advance
Special rules for those not replacing coverage

31. When do we need requirements?
Medical Records (<15%):
Not replacing coverage & recent medical care
Chronic type conditions
Information obtained from 3rd party data
Parameds (<10%):
Applicant is close to 50% ratable or declinable build
Additional Information
Blood Pressure/Cholesterol Readings (when applicants’ answer “don’t know”).
Test Results
Physician or treatment information.
Third Party Data review/validation

32. Opportunity – Financial Protection Products32 32 32

33. Humana Financial Protection products
Further diversify your product portfolio
Wider selection of products to offer your clients based on their varying budgets and needs
Our consumer-focused products are simple to understand, easy to obtain, affordable, and transparent
Cross sell: huge potential for consumers to purchase multiple products
With health reform, consumers will be considering added protection for their personal and financial health

34. Life coverage: Memorial Fund*
A whole life plan to offset final expenses; available in benefit amounts from $1,000 − $25,000
Offers a graded death benefit with level premiums for prospects with health issues (becomes level after the third policy year)
Guaranteed cash value
Coverage for issue age is 45 − 80 (nearest age)
Premium options are life pay or 10-year pay
* Product availability will vary by state.

35. Health coverage: Critical Illness Cash plan*
Pays lump-sum cash benefits for critical illnesses such as heart attack, stroke, and cancer
Benefit amount from $5,000 − $50,000
Same lump-sum amount paid for all covered family members
Issue ages 0 − 69 (may vary by state)
Pays in addition to any benefits client already has
Guaranteed renewable
30-day free look
Optional Return of Premium rider
* Product availability will vary by state.

36. Health coverage: Hospital Cash plan*
Provides lump-sum benefits directly to client for:
Hospital confinement
Outpatient surgery
Accidental injury or sickness
Issue ages 0 − 69 (may vary by state)
Guaranteed renewable to age 70
Lump-sum hospital confinement from $250 − $2,000
Maximum coverage $2,000 for all in-force policies
$150 lump-sum accidental injury and sickness benefit per emergency room visit
$150 lump-sum outpatient surgery benefit
Optional hospital confinement daily benefit rider: $50 ($200 ICU); $100 ($400 ICU; $200 ($800 ICU)
* Product availability will vary by state.

37. Quoting and Enrollment37 37

38. Quoting and Enrollment
To create a quote go to humanaoneagentquote.com
Enter Humana Agent SAN and click Next.
Use for quoting and enrollment only
Agent can not reassig the quote to another agent

39. Quoting and Enrollment
Agent Workbench
Simple Registration Process!
Your Humana Agent number is required for
registration and can be found:
– On your welcome letter after appointment
– On your commission statement
– From the Agent Service Center

40. Accessing Agent Workbench
Log onto
Enter your username and password
Click Log In

41. Accessing Agent Workbench

42. Accessing Agent Workbench
To begin a quote, hover over Generate a New Quote in either of the two locations and select a product:
Medical (Health and STM)
Stand Alone Dental and Vision
Supplemental Insurance
Stand Alone Life

43. Generate a Quote Agent Workbench or humanaoneagentquote.com

44. Generate a Quote

45. Generate a Quote

46. Generate a Quote

47. Generate a Quote
Once the quote is saved, the quote can be printed, ed or applied for.

48. Application Methods 48 48

49. How Can Clients Apply? Clients can apply two different ways:
Agent Initiated Application (AIA) – Online with your assistance
Agent Online Application (AOA) – Online, on their own

50. Agent Initiated Application

51. Agent Initiated Application
On the agent disclaimer screen, the agent must read and agree to all statements by checking the boxes.

52. Agent Initiated Application

53. Agent Initiated Application
Enter the information for all applicants on the applicant details screen.
Select which signature type the client wishes to use: e-signature or wet-signature. Click Next

54. Agent Initiated Application

55. Agent Initiated Application

56. Agent Initiated Application
The application is now ready to send to the client. In order to provide your client with a link to review and sign their documents, the agent must click Send .

57. Signing an Agent Initiated App

58. E-Signature Process

59. E-Signature Process
Your client will need to click on the link within the . A new browser window will open.
The application number will pre-populate. Your client will enter the required information and click Next.

60. E-Signature Process
The applicant(s) are required to read and agree to the Online Service Agreement and the Notice of Privacy Practices.
They should review each document and click the checkboxes next to their name. Click Next.

61. E-Signature Process

62. Track Quotes and Applications Agent Workbench62 62

63. Track Quotes and Applications
Agents can access Track Quotes and Applications to view status up to the point of payment verification.

64. Track Quotes and Applications
Enter your search criteria
Search results can also be exported into excel
Status Information

65. Issued Business Tab