1. Colby College Welcome to Open Enrollment Plan year: 1/1/2012-12/31/2012

2. Review of Important Benefits Cigna’s Network 2012 Medical & Pharmacy Plan Options -Open Access In-Network -Open Access Plus -Choice Fund – Health Savings Account Understanding a Health Savings Account Vision Benefits Health and Wellness Resources and Tools Customer Service Support Questions and Answers We are easy to work with. We protect you from the unexpected. We help you be well and live well.

3. What does the Open Access Network mean to you? You will have access to in-network providers in all 50 States You and your dependents can live anywhere in the US No need to worry when you travel across the US No referrals required for Specialist visits Primary Care Physician (PCP) not required but highly suggested – Quarterback for your health care Same National Network for All Plan Options!

4. Review of OAPIN – In-Network plan OAPIN - KEY COMPONENTS Deductibles = $250 Individual$500 Family Coinsurance after deductible = 10% (Plan pays 90%) Out-of-pocket maximum = $1,250 Individual$2,500 Family Sick office co-pay = $20 PCP$25 Specialist Prescriptions for 30 days = $10 Generic; $30 Cigna preferred; $50 Non-preferred brand  90 day = $20 Generic; $60 Cigna preferred; $100 Non-preferred brand Vision = $20 co-pay for routine annual in-network exam every 24 months  Out of network vision exam = $45 allowance IN NETWORK SERVICES ONLY We help you be well and live well.

5. Review of OAP – In/Out-of-Network Copay Plan OAP - KEY COMPONENTS Deductibles = $500 Individual$1,000 Family In-Network Coinsurance after deductible = 20% (Plan pays 80%) Out-of-Network Coinsurance after deductible = 40% (Plan pays 60%) Out-of-pocket maximum = $1,500 Individual$3,000 Family In-Network Sick office co-pay = $20 PCP/Specialist Out-Of Network Office Visit = 40% Plan pays (60% after the plan deductible is met) Prescriptions for 30 days = $10 Generic; $25 Cigna preferred; $40 Non-preferred brand  90 day = $20 Generic; $50 Cigna preferred; $80 Non-preferred brand We help you be well and live well.

6. 6 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna HSA/OAP Coinsurance Plan- KEY COMPONENTS In/Out-of-Network Deductibles = $1,500/$3,000 Individual $3,000/$6,000 Family In-Network Coinsurance after deductible = 20% (Plan pays 80%) Out-of-Network Coinsurance after deductible = 40% (Plan pays 60%) In/Out-of-Network Out-of-pocket maximum = $3,000/$6,000 Individual $6,000/$12,000 Family In-Network Sick Office Visit Coinsurance after deductible = 20% (Plan pays 80%) Out-of-Network Sick Office Visit Coinsurance after deductible = 40% (Plan pays 60%) Prescriptions (after deductible) for 30days = 10% Generic; 20% Cigna preferred; 30% Non-preferred brand  90days = 10% Generic; 20% Cigna preferred; 30% Non-preferred brand Applicable Preventive Generic and Brand RX covered at 100%, not subject to plan deductible. Choice Fund Health Savings Account Plan Underlying Medical Plan Open Access Plus We help you be well and live well.

7. 7 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Open Access Plus – In-Network Copay Plan Open Access Plus –Copay Plan Cigna Choice Fund with HSA In-Network OnlyIn-NetworkOut-of-NetworkIn-NetworkOut-of-Network Deductible $250 Individual $500 Family $500 Individual $1,000 Family $500 Individual $1,000 Family $1,500 Individual $3,000 Family* $3,000 Individual $6,000 Family* Coinsurance after Deductible Plan pays 90% after deductible Plan pays 80% after deductible Plan pays 60% after deductible Plan pays 80% after deductible Plan pays 60% after deductible Out-of-pocket maximum $1,250 Individual $2,500 Family $1,500 Individual $3,000 Family $1,500 Individual $3,000 Family $3,000 Individual $6,000 Family** $6,000 Individual $12,000 Family** Lifetime maximumUnlimited Preventive Care Office Visit Office Visit 100% $20 Primary Care Physician Copay /$25 Specialist Copay 100% $20 Primary Care Physician/$20 Specialist Copay In-network coverage only Plan pays 60% after deductible 100% Plan pays 80% after deductible In-network coverage only Plan pays 60% after deductible HSA contribution by employer n/a $1,000 Employee Only $2,000 Employee + Family How do you help me plan for my medical expenses? Medical plan highlights Choice Fund with HSA (Cross Accumulation): *Deductible - If enrolled in a family plan, all family members contribute to the family deductible which must be satisfied before the plan coinsurance applied to any family member’s claims. **Out-of Pocket Maximum – If enrolled in a family plan, all family members contribute to the family out-of-pocket maximum which must be satisfied before any family member’s claims are covered at 100%.

8. 8 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Open Access Plus – In-Network Copay Plan Open Access Plus –Copay Plan Cigna Choice Fund with HSA In-Network OnlyIn-NetworkOut-of-NetworkIn-NetworkOut-of-Network Inpatient Hospital/Outpatient Facility Services Plan pays 90% after plan deductible Plan pays 80% after plan deductible Plan pays 60% after plan deductible Plan pays 80% after plan deductible Plan pays 60% after plan deductible Emergency Room/Urgent Care Plan pays 90% after plan deductible Plan pays 80% after plan deductible Lab and radiology Services Plan pays 90% after plan deductible Plan pays 80% after plan deductible Plan pays 60% after plan deductible Plan pays 80% after plan deductible Plan pays 60% after plan deductible Short-Term Rehab (PT/OT/ST) $20 Primary Care Physician/$25 Specialist per office visit co-pay $20 per office visit co-pay Plan pays 60% after plan deductible Plan pays 80% after plan deductible Plan pays 60% after plan deductible Chiropractic Care $20 Primary Care Physician/$25 Specialist per office visit co-pay $20 per office visit co-pay Plan pays 60% after plan deductible Plan pays 80% after plan deductible Plan pays 60% after plan deductible How do you help me plan for my medical expenses? Medical plan highlights

9. 9 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Open Access Plus – In-Network Copay Plan Open Access Plus-Copay Plan Cigna Choice Fund with HSA** In-network Retail (30-day supply) ME Retail/Home Delivery (90- day supply) Retail (30-day supply) ME Retail/Home Delivery (90- day supply) Retail (30-day supply) ME Retail/Home Delivery (90- day supply) GenericYou pay $10You pay $20You pay $10You pay $20 You pay 10% coinsurance, after plan deductible Cigna-preferred brand You pay $30You pay $60You pay $25You pay $50 You pay 20% coinsurance, after plan deductible Non-preferred brand You pay $50You pay $100You pay $40You pay $80 You pay 30% coinsurance, after plan deductible Out-of-networkNot covered **Preventive Drugs covered at 100%, no plan deductible Medical Conditions include Hypertension, High Cholesterol, Diabetes, Asthma, Osteoporosis, Stroke, Prenatal Nutrient Deficiency. How do you help me plan for my prescription expenses? Prescription plan highlights This chart shows the amounts you’ll pay for covered services after your plan deductible has been met.

10. Make sure you get your preventive care- it’s covered at 100%! Some examples Routine Check-Up Immunizations Mammograms Screenings Talk to your primary care physician – what is right for you depends upon your age and whether you’re a male or female –

11. 11 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Karen’s Claim Example on Open Access In-Network Plan Preventive Care $ 398 ER Visit $2,600 4 PCP Visits $ 320 Generic Rx (12) $ 288 Brand Rx (3) $ 240 Medical Expenses $3,448 How Expenses Are Paid Paid by Plan (coinsurance, balance on $2,673 office visits and Rx) Paid by Karen (ded., coins., copays) $ 775 Karen’s Premium Contribution ($46x12) $ 552 Total Annual Out of Pocket $1,327 What Karen Paid $0 copay $250 deductible; $235 in coinsurance $ 80 in copays $120 in copays $ 90 in copays $ 775. Total Paid Out of Pocket

12. 12 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Karen’s Claim Example on Open Access Plan Preventive Care $ 398 ER Visit $2,600 4 PCP Visits $ 320 Generic Rx (12) $ 288 Brand Rx (3) $ 240 Medical Expenses $3,448 How Expenses Are Paid Paid by Plan $2,253 (coinsurance, balance on office visits and Rx) Paid by Karen $1,195 (ded.,coinsurance and copays) Karen’s Premium contribution ($40x12) $ 480 Total Annual Out of Pocket $1,675 What Karen Paid $0 copay $500 Deductible plus $420 coinsurance $ 80 in copays $120 in copays $ 75 in copays $1,195 Total Paid Out of Pocket

13. 13 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna A tax advantaged health plan that provides coverage for current medical/pharmacy expenses and allows the option to save for future health expenses. Combines a Qualified Medical Plan (medical/pharmacy coverage) with a Health Savings Account. You, your employer or both can contribute to the Health Savings Account. Money deposited into the Health Savings Account is generally not taxable. You have the option to invest the money into interest-bearing investment vehicles. Interest on these investments is also not taxable. What Is a Health Savings Account (HSA) plan? + = Qualified Medical Plan Tax Advantaged HSA Plan

14. 14 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna *In/Out-of-Network Coverage Level How does an HSA work? IndividualFamily Out-of-Pocket Max 100% after $3000/$6000* Deductible $1,500/$3000* Health Coverage 80%/60%* Preventive Care 100% Deductible Out-of-Pocket Max 100% after $6000/12000* Deductible $3,000/$6,000* Health Coverage 80%/60%* Preventive Care 100% Deductible Contributions can be used to pay for current year qualified health expenses or saved to pay for future health expenses Contribution $1,000 Colby + Employee $ Contribution $2,000 Colby + Employee $

15. 15 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Karen Single, in her 50s Heart disease; controlling health through medication Looking to save money for future health expenses HSA Deposits by Karen $1500 by Employer $1000 Preventive Care $ 398 ER Visit $2,600 4 PCP Visits $ 320 Generic Rx (12) $ 288 Brand Rx (3) $ 240 Medical Expenses $3,448 How Expenses Are Paid Preventive $ 398 (100% by Plan) Applied to deductible $1,500 $1948 Paid by Plan (80%) $1,558.40 Paid by Karen (20%) $ 389.60 *In/Out-of-Network Coverage Level Out-of-Pocket Max 100% after $1,500/$3,000* Deductible $1,500/3,000* Health Coverage 80%/60%* Preventive Care 100% Deductible Contribution $1,000 Colby + Employee $1500 Total HSA Contribution $2,500.00 What Karen Paid from HSA $1,889.60 Remaining HSA Balance $ 610.40 Paid from Karen’s Fund Deductible $1,500.00 20% Coinsurance $ 389.60 Karen’s Premium Contribution ($23 x 12) $ 276.00 Total Annual OOP $2,165* *Colby contributed $1,000 towards Deductible

16. 16 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Am I eligible to participate in an HSA plan? Because HSA plans have special tax advantages, the IRS defines specific rules for participation. To be eligible, you: Must be enrolled in an IRS-qualified high-deductible medical plan (high-deductible medical plans sold with Cigna’s Choice Fund HSA meet IRS requirements) Cannot have any other health coverage Not covered by spouse’s medical or pharmacy plan Not covered through Medicare Part A or Part B Not covered through a general-purpose Flexible Spending Account (FSA) plan (either employer’s or spouse’s) Cannot be claimed as a dependent on another person’s tax return

17. 17 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna What is the maximum I can contribute annually to the HSA? The IRS has set the following limits: Under age 55 and not enrolled in Medicare (based on a 12-month period): 2011 Up to $3,050 individual coverage* Up to $6,150 family coverage* 2012 Up to $3,100 individual coverage* Up to $6,250 family coverage* Age 55 or older: Maximum contribution increases by $1,000 (considered a “catch-up” contribution) Up to $4,100* individual coverage in 2012 Up to $7,250* family coverage in 2012 To make the maximum contribution in a calendar year, you must: Meet all requirements to be eligible for HSA contributions on January 1 Remain qualified through December 1 If these criteria are not met, maximum contribution is prorated = if 1/12 maximum contribution for each month then individual is qualified *Contributions to your HSA that you receive from your employer and incentives count toward your maximum.

18. 18 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna We’re Here to Help! 1.800.401.4041 24/7 Customer Service THANK YOU for your time! Questions? Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA

19. 19 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA Helping you be well and live well.

20. Delivering information that is easy, helpful and fast Learning how to set up your HSA Deciding how and when to use HSA funds Understanding how claims are paid Tracking health care expense Understanding HSA Investment options Tracking health care expenses Helpful tools and much more…….

21. 21 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna I need help enrolling. How can you help? Before opening the account, JPMorgan Chase will: Verify your identity (required by the Federal government) using information provided in the HSA application and enrollment form Notify you if additional documentation is needed to verify your name, social security number or address JPMorgan Chase will send your HSA information and a debit card within 7–10 days of the start of the plan year or the verification of identity (whichever is later) ID cards are mailed from Cigna Debit cards are mailed separately from JPMorgan Chase JPMorgan Chase cannot open an HSA until it is able to satisfy the requirements of the Federal government.

22. 22 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna How Does Money in the HSA Get Used? Employee decides how and when to use the money. Four ways to access money in the HSA to pay for qualified medical expenses: Automatic Claim Forwarding (employee selects at enrollment). In this scenario, CIGNA will automatically pay eligible medical expenses from the employee’s Health Savings Account. This option is not available for behavioral or pharmacy claims. Checkbook. Employees can use the Choice Fund checks to pay for out-of-pocket expenses (deductibles and coinsurance). Debit Card. Employees can use the Mastercard ® branded debit card to pay for out-of-pocket expenses. The card can also be used to get cash at ATMs to reimburse themselves for qualified expenses they paid with other personal funds (e.g., didn’t have debit card/checkbook with them at doctor visit so paid in cash). Online Bill Pay. Can pay medical expenses directly from HSA. Enables employees to monitor, manage and schedule payments online, anytime. Payments can be scheduled on a one-time or repeating basis. 13

23. 23 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Cigna updates quarterly Health Statement; sends email alert or mails to your home, based on preference setting. Cigna provides an Explanation of Benefits or EOB (“receipt”) showing: Doctor’s fee, Cigna discount, amount billed, amount deducted from the HSA, amount paid to doctor, remaining HSA balance, and what you saved. Sick visit to an in-network doctor/hospital/facility. Show Cigna Choice Fund ID card to obtain Cigna discounted rates. Doctor bills Cigna. Cigna receives the claim and processes it based on the HSA- qualified plan deductible, covered expenses and Cigna-negotiated discounts. If Auto Claim Forwarding was elected, Cigna automatically subtracts the amount owed to the doctor from your HSA and pays the doctor. If no Auto Claim Forwarding in place, you have the option to pay the doctor bill using your HSA (debit card/ checkbook) or pay out of pocket. How are my medical claims paid? Medical claim payment process

24. 24 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Explanation of Benefits (EOB) Available in print or online at myCigna.com Choose if you would like EOBs mailed to your home, or go paperless and receive email alerts after each claim is processed and posted to myCigna.com Clearly shows how and when claims were paid, and by which plan and/or account(s) Quarterly Health Statement Available online at myCigna.com You will be alerted by email after each statement is posted to myCigna.com Shows year-to-date deductibles, all claim activity and out-of-pocket expenses for that quarter Can you help me understand and track my health care expenses?

25. 25 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna What Are My HSA Investment Options? $2,000 minimum in HSA to invest Once the investment account is open, no minimum balance applies Eight mutual funds from which to choose Investments can be allocated into one fund or multiple funds No minimum deposit for any fund Tax-free growth of interest or investment earnings Monthly fees apply Online trading – no fees apply Track your balance online or with convenient monthly statements

26. 26 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna How can you save me time? No claim forms needed when you receive care from in-network participating health care professionals and facilities 24/7 online and phone assistance to find doctors, specialists, hospitals, labs and pharmacies close to home or when you are traveling Talk to a trained nurse for information when you can’t reach your doctor – day or night Self-service through myCigna.com lets you: Print forms or print/order ID cards Check your coverage Track claims, payments and deductibles View, print and download your Explanation of Benefits and health statements Access articles and health education resources, and sign up for online coaching programs Keep track of your health history and records with a secure online database Award-winning decision support tools Learn about common health problems and options for treatment Find doctors, hospitals, specialists and labs Compare treatment and procedure costs Switch a prescription to Cigna Home Delivery Pharmacy with one easy phone call and have your medications delivered to your door

27. My life is busy. How do you help me understand and track my health care expenses? 24/7 Online Health Account Management Personalized and secure online account tool Review plan coverage levels Track claims and payments Pay providers online via Quicken Health Expense Tracker Order an ID Card Research Prescription Alternatives

28. Review personalized plan coverage Check available balances Track claims and payments Get HSA bank account information Manage investment accounts via link to JPMorgan Chase At-A-Glance Account Summary My life is busy. How do you help me understand and track my health care expenses? 24/7 Online Health Account Management

29. 29 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Compare Pharmacy Pricing on myCIGNA.com Pharmacy Plan – Prescription Drug Price Quotes Features Learn actual prices you’ll pay Compare cost between retail pharmacies and CIGNA Tel-Drug home delivery See cost for generic equivalent, if available

30. 30 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Health Care Reform Impacts on HSAs Dependent Coverage – 9/23/2010 With the extension of dependent coverage to age 26, you can add your dependents to the medical plan; however, the change in legislation did not extend to the use of the HSA. If you list a dependent on your Federal income tax return, money in your HSA may be used for eligible expenses for that dependent. Over-the-Counter Drugs – 1/1/2011 Purchases of most over-the-counter drugs and medicines on or after January 1, 2011 cannot be reimbursed without a doctor’s prescription and store receipt Some eligible items, such as insulin, and diabetic and first-aid supplies, will not require a prescription You should keep a copy of the prescription and receipt for tax purposes You may use the same prescription to buy a specific medicine for up to 12 months (this rule may change if government regulations change) IRS Penalty increase on HSAs – 1/1/2011 The tax penalties on HSA distributions that are not used for qualified expenses will increase from 10% to 20% of the amount used HSA funds can only be used for eligible expenses of tax dependents – even if an adult dependent is covered by the health plan, if that dependent is not claimed as a tax dependent, any expenses paid by the HSA will be subject to tax penalties

31. 31 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna 2012 Open Access Plus – In Network Vision Plan Highlights In Network Coverage Out of Network ReimbursementFrequency Calendar Year Exam Copay$20N/A Exam allowanceCovered in Full$45 allowance24 months In-Network Coverage Includes One preventive vision and eye health evaluation including but not limited to eye health examination, dilation, refraction, and prescription for glasses. Vision Network Savings Program Minimum 20% savings on additional purchases of frames and/or lenses, including lens options, with a valid prescription; offered savings does not apply to contact lens materials. Check with your CIGNA Vision Network eye care professional for details.

32. 32 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2011 Cigna Open Access In-Network Plan Claim Examples Outpatient Day Surgery – Inland Hospital Submitted charges $4,500. CIGNA Network Discount $1,100. $3,400. Deductible Not Met, applied $ 250. Member paid $3,150. 90% coinsurance applied $2,835. CIGNA paid 10% coinsurance applied $ 315. Member paid Total member responsibility $ 565 ` Member has met $565. of their out of pocket maximum for the calendar year, with a remaining balance of $685. Once the $685 has been met, all future Inpatient/Outpatient services will be covered at 100%. Outpatient Xray – EMMC Submitted charges$ 675. CIGNA Network Discount$ 105. $ 570. Deductible not met $ 250. Member Paid $ 320. 90% coinsurance applied$ 288. CIGNA paid 10% coinsurance $ 32. Member paid Total member responsibility$ 282.

33. Questions