Retiree Outsourcing Model that Combines an Individual Policy Exchange with a Traditional Group Policy Approach for Medicare Supplement Coverage HR Specialty Products & Services Catalogue Executive Summary A No Frills Distillation of Vendor’s Marketing Collateral Thomas A Ference President & CEO Human Resources Mining & Distribution Co Locating, Validating and Accelerating HR  Innovation   Office: 219-662-0201 Cell: 630-240-2583 Fax: 219-661-0236 e-mail: tference@hrmdco.com Website: www.hrmdco.com

Group and Individual Policy Exchange, Retiree Outsourcing Retiree Medical Outsourcing using an individual insurance policy exchange only can cause consternation for retirees with resultant PR problems for the employer as retirees lose their tried and true coverage under their prior group benefits plan. This vendor has 25+ years of retiree benefits administration Their outsourcing model provides post-age 64 retirees an option of either an insurance exchange or a group plan. Multiple insurance carriers and Medicare Advantage plans are offered as options on the individual exchange side.

Group and Individual Policy Exchange, Retiree Outsourcing A fully-insured, ERISA-exempt, outsourced group plan is also offered to the post-age 64’s by a carefully chosen reputable carrier arranged for by the vendor Retaining group plan allows retirees to participate in a plan design comparable to what they have been used to or in any other customized plan design as group coverage is not constrained by standardized plan designs A thru N. Experience shows that 70%+ of retirees retain the group plan in year 1 with some eventual migration to the exchange side over time. Pre-65’s remain in their current group plan but the administration can be outsourced to the vendor administrator

Retiree Outsourcing Model Customer Care Center Age 65+ Outsourced Group Plan Medicare Exchange Pre-Age 65 Current Group Plan

Customer Care Center Plan Selection and Enrollment Assistance Provider Assistance Claim Questions and Assistance Low-income subsidy filings Interface with Social Security, Medicare and CMS Pharmacy Assistance Billing and Payment Assistance Ongoing Service and Support

Next Steps This product/service is contained in the HR Specialty Products & Services Catalogue™ Operational level details about this particular service provider can be obtained in conference with the vendor The HR Mining &Distribution Co. is an independent and contracted representative of the vendor Upon your request, we will arrange for an introduction that can range from a simple, quick conference call to a services overview / system demo Tom Ference 219-662-0201 (Chicagoland area) or tference@hrmdco.com Thank you for your potential interest in this fresh thinking