1. Blue View Vision SM Blue View Vision SM is a product of Anthem Blue Cross Life and Health Insurance Company. Independent licensee of the Blue Cross Association. ® ANTHEM is a registered trademark. ® The Blue Cross name and symbol are registered marks of the Blue Cross Association.

2. 2 Agenda  The Value of Vision  Blue View Vision Products and Features  Vision Provider Network  Easy Administration  Sales Tips and Tools

3. 3 The Value of Vision

4. 4 Offering vision benefits is an important way for employers to help their company’s overall health and wellness  More than 65% of today’s workforce wears glasses or contact lenses (147 million nationwide).  More than 28 million Americans over age 40 have eye ailments – risk vision loss.  More than 150 million Americans use corrective eyewear to compensate for refractive errors. Source: Vision Problems in the US © 2002.

5. 5 The Advantages are Easy to See….  Access to a convenient national vision network  Value-added savings –Additional savings up to 40% on unlimited purchases of most extra pairs of eyewear, conventional contact lenses, lens treatment and various accessories  Flexible, easy-to-use benefits  One-stop shopping The Value of Vision

6. 6 Blue View Vision Products & Features

7. 7 Blue View - A Closer Look  2 PPO products - In-network benefits - Out-of-network benefits  National preferred provider network  Basic PPO benefit components – Examination – Lenses – Frames – Contact lenses  Additional savings program

8. 8 Blue View - A Closer Look COVERED: Comprehensive eye exams  With dilation as necessary after exam copay COVERED: Materials (lenses and frame)  Standard Lenses - Single Vision, Trifocal, Bifocal  Frame allowance of $120 retail value - 20% discount off balance over the allowance COVERED: Elective contact lenses (in lieu of eyeglasses)  $115 plan allowance - 15% discount off balance over allowance on conventional lens

9. 9 Blue View - A Closer Look BenefitsBlue View PlusBlue View ExamEvery 12 months Lenses or Contact Lens 1 Every 12 monthsEvery 24 months FrameEvery 12 monthsEvery 24 months In-network Exam Copay $15$25 Employee only $13$7 Employee + Spouse $23$11 Employee & Child(ren) $24$12 Family $36$18 1 Coverage for these PPO vision plans include choice of eyeglass lenses or contacts 2-year rate guarantee!

10. 10 Blue View - A Closer Look at the Savings!! Savings on Non-covered Items  With covered benefits - Fixed fee pricing on lens options - 20% discount on frame overage - An additional 15% off the balance over the allowance for conventional contact lenses  Additional purchases - 40% additional savings for a second pair of glasses (includes lens treatments/upgrades) - 20% discount off of materials purchased separately - 20% discount off of eyewear accessories Members may use savings program as often as they like!

11. 11 Blue View - A Closer Look Lens OptionsPrice UV Coating$15 Tint (solid & gradient)$15 Standard Scratch Resistance$15 Standard Polycarbonates$40 Standard Progressives 1 $65 Standard Anti-Reflective Coating$45 Other Add-Ons and Services20% off retail 1 Cost added to bifocals Negotiated Rates For Lens Options

12. 12 Vision Provider Network

13. 13 Vision Provider Network  Large provider network – Access to 44,000 providers and provider locations nationally – More than 4,000 in California  Network includes: –Ophthalmologists (MD or DO) –Optometrists –Opticians –Retail locations  Desirable network composition –Matches consumer buying patterns

14. 14 Vision Provider Network The Convenience of Retail Providers  Including LensCrafters sm, most Pearle Vision locations, Target and Sears Opticals - 40% of consumers with a vision plan are interested in LensCrafters sm - Offer extensive frame selections  Providers available nights and weekends - Reduces employee time away from work - 15% of retail eyewear purchases are made on Sunday  No lab requirement – potential to receive eyewear faster - 50% of LensCrafters sm provide same day service

15. 15 Easy Administration

16. 16 Blue View Vision Administration Eligibility Guidelines, Contributions & Participation  Mirror medical plans options - Employee Elect: 50% contribution; 75% participation - BeneFits: 25% contribution; 60% participation  Anniversary - Existing groups may add vision throughout the year; effective 1 st of the following month. - Groups who previously had vision with Anthem Blue Cross L&H and dropped it, can again add vision coverage on their anniversary date.  CalCOBRA and COBRA eligible  Premium Only Plan (P.O.P) - Section 125 eligible

17. 17 Blue View Vision Administration  Easy and efficient administration –One application –One bill  Blue View Vision customer service 1-(866)723-0515 –Mon – Sat5 AM - 8 PM Pacific –Sunday8 AM – 5 PM Pacific –24/7 automated IVR

18. 18 Blue View Vision Administration In-Network – Member Experience 1.Member selects network provider 2.Arranges an appointment 3.Presents member Vision ID card at the time of service 4.Provider delivers vision services 5.Member pays copayment and discount rates for non-covered items 6.Member receives materials, in some cases within days or even hours 7.Provider submits claim on behalf of member Member has access to customer service 7 days/week or 24/7 via IVR

19. 19 Sales Tips & Tools

20. 20 Sales Tools and Tips  Regular eye exams are critical for productive, healthy employees.  Employers use benefits to recruit and retain quality employees.  Employer plan offerings can provide employees with 60% or greater savings on vision care.  Vision plans average < 3% of medical health care costs.

21. 21 Sales Tools and Tips Blue View will be supported by E-commerce  EmployerAccess has been developed to accommodate Blue View Vision, including: >online enrollment >benefits inquiry >online billing  Rapid Quote  Blue View Network is included in our Provider Finder  Blue View member access site is available >Includes benefits, Provider Finder and eligibility >hotlink to the Blue View site from MemberAccess on anthem.com/ca

22. 22 Sales Tools and Tips… If You’re Gonna Play, Play to Win Sales!  Focus on Blue View Vision competitive advantages –The power of packaging and flexible design plans –Access to a national convenient network –Value added savings  Cross sell with Anthem Blue Cross Medical –With renewal and new sales –10% commission –Offer one-stop-shopping for employee benefits –Promote easy and efficient administration for employers  Vision is good for retention –Employers with multiple products from a single carrier are less likely to shop a single product  75% of employers want to consolidate the number of carriers with whom they do business (LIMRA)

23. Blue View Vision SM Questions? Blue View Vision SM is a product of Anthem Blue Cross Life and Health Insurance Company. Independent licensee of the Blue Cross Association. ® ANTHEM is a registered trademark. ® The Blue Cross name and symbol are registered marks of the Blue Cross Association.