Transition Update Indiana Statewide Group Insurance Trust Aaron Curtis & Dan Bond Capstone Benefit Advisors

Carrier Selection Considerations: Provider Discounts Market Share Trust Experience & Capabilities Future Consolidation

Carrier Selection Why Not NRECA? No Separate Plan for Indiana Co-ops SBC Offered Lower Rates in Recent Years Only Rental Provider Networks in Indiana

Discovery Process: Information Exchange Questionnaire Q & A

Discovery Network Analysis: Provider Disruption for Members Provider Discounts

Trustee Decision Report/Analysis from Capstone Final Interview With Trustees Carrier Selection  Goal: No Later Than April 30, 2011 Final Rate Determination  Goal: No Later Than September 30, 2011

Transition Transition to New Carrier Completed By: January 1, 2012

What To Expect Business as Usual Same Principal Contacts Continue Using Benefit Solver Look for Updates as Progress is Made  Sign-Up for SBC Newsfeed

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Health Care Reform: 1/1/2011 SBC Plans Will Be Non-Grandfathered

Health Care Reform: 1/1/2011 Dependent Coverage to Age 26 Other Eligibility Criteria Does Not Apply –Marital Status, Student Status, Dependency, Residency, Other Coverage Tax Exempt To Age 27 Notice Distribution Required

Health Care Reform: 1/1/2011 Lifetime / Annual Limits Lifetime/Annual Limits Eliminated Applies to Essential Benefits Notice Distribution Required

Health Care Reform: 1/1/2011 No Pre-Ex for Under Age 19 Pre-Existing Condition Exclusions Currently Only Apply to Late Enrollees –This is Now Eliminated for Anyone Who Has Not Reached Age 19

Health Care Reform: 1/1/2011 Preventive Care Services No Cost Sharing for Many Preventive Care Services and Immunizations For a Complete List, Go To:

Health Care Reform: 1/1/2011 External Review Process Member Initiated Claim Decision Review Independent Organization – Not Associated with the Carrier

Health Care Reform: 1/1/2011 Nondiscrimination–Problem Areas Different Benefits for Exec/Exempt Employees Shorter Waiting Periods for Exec/Exempt Employees Larger Contributions for Exec/Exempt Employees

Health Care Reform: 1/1/2011 FSA Limitation No Longer Cover OTC Drugs Requires Prescription Insulin is an Exception Master Cafeteria Plan has been Updated

CONTACTS Aaron Curtis, Capstone Benefits Group , ext. 145 Dan Bond, Capstone Benefits Group , ext. 147

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