1. ©2008 Regence BlueCross BlueShield of Utah Regence HSA Healthplan A new kind of health care coverage [Enter Your Own Information Here] [Enter Your Clients Information Here]

2. ©2008 Regence BlueCross BlueShield of Utah 2 Regence HSA Healthplan What is an HSA? How does it work? The Power of HSA The Power of Regence Banking Partners Seamless Integration – Regence Financial Services Banking Solution – HSA Bank Banking Solution – Wells Fargo Comparison of Banking Partners

3. ©2008 Regence BlueCross BlueShield of Utah 3 What is an HSA? How does it work?

4. ©2008 Regence BlueCross BlueShield of Utah 4 Health Savings Accounts: How it Works Enroll in anHSA-qualified health plan Open a Health Savings Account The health plan and HSA work together The health plan and HSA work together coverage under the health plan kicks in once the deductible is reached the account belongs to the member contributions are tax-deductible start paying for qualified medical expenses from the HSA right away save and invest for future health care expenses or retirement

5. ©2008 Regence BlueCross BlueShield of Utah 5 More About the Health Plan Members must be covered by an HSA-Qualified health plan to be eligible for a Health Savings Account Premiums are generally more affordable than traditional health plans You control your overall costs by determining how much youd like to fund the savings account with your savings in premium on the health plan IRS Rules for IRS Rules for HSA-Qualified Health Plans HSA-Qualified Health Plans Larger deductible amounts Maximum OOP amounts Preventive care can be offered before the deductible Preventive care can be offered before the deductible Prescription benefits are built into the medical plan Prescription benefits are built into the medical plan

6. ©2008 Regence BlueCross BlueShield of Utah 6 Contribution to the account Annual contribution maximums are determined by the IRS Anyone can make contributions to the members savings account Contributions are fully tax-deductible for the member Ownership & use of the account The member owns the funds permanently, which roll-over each year and follow you wherever you go HSA funds can be invested for future medical expenses or retirement HSA funds can be spent tax-free for qualified medical expenses More about the HSA HSA-Qualified Medical Expenses HSA-Qualified Medical Expenses Deductibles Coinsurance Prescription medications Alternative care OTC medications Contacts & Glasses Expenses covered by the health plan, such as… Lasik eye surgery Weight-loss surgery And many more! Expenses over and above whats covered by the health plan, such as…

7. ©2008 Regence BlueCross BlueShield of Utah 7 Eligibility Rules Eligibility to the Regence HSA Healthplan Same Regence BlueCross BlueShield Individual medical plan eligibility guidelines apply Eligibility to the savings account (IRS guidelines) Members must meet the following IRS guidelines to open an HSA Must be enrolled in an HSA-qualified health plan Not have coverage under another health plan, such as a spouses plan Cannot be enrolled in Medicare Cannot be claimed as a dependent on someone elses tax return

8. ©2008 Regence BlueCross BlueShield of Utah 8 The Power of HSA

9. ©2008 Regence BlueCross BlueShield of Utah 9 HSA: A Different Kind of Health Plan Contribution Control You choose the contribution amount, giving you more control over your annual health care costs Your contribution expenses become growing assets, as they roll over each year and even offer tax-free investment You have ultimate choice – you can spend your HSA funds today on services you choose, or save them for future health care expenses You have ultimate ownership over their health care dollars You own the funds You own the decisions Plan Personalization Roll Over OWNERSHIP

10. ©2008 Regence BlueCross BlueShield of Utah 10 Triple Tax Advantages An HSA is the only investment opportunity that offers this unique triple tax savings Tax Free Contributions are not included in the members taxable income Tax Free Interest and investment gains are not taxed Tax Free Money for qualified medical expenses can be withdrawn tax-free When money goes inWhen money growsWhen money comes out

11. ©2008 Regence BlueCross BlueShield of Utah 11 The Power of Regence

12. ©2008 Regence BlueCross BlueShield of Utah 12 Regences Full Service Solution Robust Benefit Package Navigationa l Tools PersonalizedSupport Unlimited, upfront preventive care and built-in wellness programs Coverage against the unexpected Support at each step of the way, with an option for seamless integration Multiple lifelines for personalized support Guided tours from the basis to plan customization and total ownership

13. ©2008 Regence BlueCross BlueShield of Utah 13 Robust Benefit Package Unlimited preventive care coverage before the deductible gives you access to the care you and your family are most likely to use Built-in wellness programs help you lead healthier life, including: 24 access to CareEnhance ® Nurseline Regence Health Coaches for 1:1 support Special Beginnings maternity programWellness Preventive Financial Protection Catastrophic coverage protects you against the unexpected

14. ©2008 Regence BlueCross BlueShield of Utah 14 Benefit Snapshot Benefit Options Provider Networks Lifetime Maximum Deductible Options OOP Maximum Coinsurance Office Visits Preventive Care Prescriptions In-Network Traditional or ValueCare $2 million $1,500 single / $3,000 family $2,500 single / $5,000 family $3,500 single / $7,000 family $5,000 single / $10,000 family 80% Deductible & Coinsurance Deductible waived No annual limits 80% coinsurance 50% (Subject to medical deductible) Out-of-Network Non-Contracting Providers 60% Deductible & Coinsurance Deductible waived No annual limits 60% coinsurance

15. ©2008 Regence BlueCross BlueShield of Utah 15 Your Guide to HSA Welcome. Navigational Tools Scenario-based education tool & calculator for plan selection Scenario-based education tool & calculator for plan selection HSA Flash Tutorial HSA-trained customer service advocates HSA-trained customer service advocates 24-hour Nurseline 24-hour Nurseline Personal health coaches Personal health coaches Member Welcome Kit Guided tour takes members through the set-up process and HSA resources Guided tour takes members through the set-up process and HSA resources A community of Regence members A community of Regence members Ask-the-HSA Expert Ask-the-HSA Expert Podcasts, webinars and helpful articles Podcasts, webinars and helpful articles Personalized 1:1 Support myRegence.com

16. ©2008 Regence BlueCross BlueShield of Utah 16 Seamless Integration: Regence Financial Services

17. ©2008 Regence BlueCross BlueShield of Utah 17 Introducing Regence Financial Services Simple Solutions - Powerful Tools - One Point Of Accountability CAUSE Reducing Waste, Confusion & Fear Integrated Enrollment one implementation process Integrated Claims automatic payment Regence Member Service single source for help Integrated online access tools to manage wealth & health Flexible options customized to your needs = = = = Regence Financial Services CONSUMERISM Actively Engaging our Members in their Health Care Decisions COMMUNITY Leveraging the Power of our Members =

18. ©2008 Regence BlueCross BlueShield of Utah 18 RFS – Industry-Leading Services One website for all your needs Online enrollment Review account balances, payment status, contributions, and transactions Enroll or change investment choices Make payments from HSA account Monthly consolidated statements Activity from all accounts held by the member will be summarized on a statement, including: Debit card transactions Payments, contributions, and balances Investment activity Unmatched Online Services Easy Money Management

19. ©2008 Regence BlueCross BlueShield of Utah 19 RFS – Investment Optimization HSA Investments Members can invest in more than 60 funds, managed by Fiserv Trust Company One low monthly fee for participation in investments After initial investment of $500, investments can be made in increments as low as $25 each Online enrollment & investment management via myRegence.com Competitive interest rates paid on funds that are not invested HSA BalanceInterest paid on deposit balances $0-1,0001.25% $1000.01-2,5002.00% $2,500.01-5,0002.75% $500.01-15,0003.5% $15,000.01 and over4.75%

20. ©2008 Regence BlueCross BlueShield of Utah 20 RFS (Blue Healthcare Bank) Rate Chart HSA Set-Up One Time Enrollment FeeMonthly Fees/ Participant* PaperOnlineAccountInvestment No Agent Commission$15.00$10.00$3.00$1.75 With Agent Commission$16.00$12.00$3.50$1.75 * Monthly fees waived if balance is over $2,000

21. ©2008 Regence BlueCross BlueShield of Utah 21 Banking Solution: HSA Bank

22. ©2008 Regence BlueCross BlueShield of Utah 22 HSA Bank Banking Experience A national leader in HSA Accounts with a high level of experience Provides both online and paper enrollment Website allows members to check account balance, transfer funds, and integrates with MS Money or Quicken Debit card, checks and manual reimbursement available Investment Options Employees can transfer funds easily between their HSA account and the Brokerage Access to stocks, bonds, and over 11,000 mutual funds Employees can make trades online, over the phone, or through a broker

23. ©2008 Regence BlueCross BlueShield of Utah 23 HSA Bank Rate Chart Service Description Rate or Charge Monthly Fee$3.25 (waived if balance is over $3,000) Set-up FeeNo charge Debit CardsNo charge InvestmentsSee terms and conditions

24. ©2008 Regence BlueCross BlueShield of Utah 24 Banking Solution: Wells Fargo

25. ©2008 Regence BlueCross BlueShield of Utah 25 Wells Fargo Bank Banking Experience Wells Fargo is one of the largest Financial Services institutions in the nation Paper enrollment only Website allows members to view account balance and download forms Funds are accessed through debit cards or through manual reimbursement requests – reimbursements are direct deposited to employees account Investment Options 6 different investment options are available Options range from more conservative money market funds to a 100% equity option

26. ©2008 Regence BlueCross BlueShield of Utah 26 Wells Fargo Rate Chart Service Description Rate or Charge Monthly Fee$3.75 (waived if balance is over $2,500) Set-up FeeNo charge Debit CardsNo charge InvestmentsNo charge

27. ©2008 Regence BlueCross BlueShield of Utah 27 Banking Partner Comparison

28. ©2008 Regence BlueCross BlueShield of Utah 28 Comparison of Banking Partners FeatureBlue HealthCare BankHSA BankWells Fargo Monthly Fee $3.00 (waived for balances over $2000) $3.25 (waived for balances over $3000) $3.75 (waived for balances over $2500) Set up fee $15 paper, $10 onlineNone Investment Options 60 different investment funds available through Fiserv Ameritrade & HSA Bank Money Market Account 6 Wells Fargo managed funds Enrollment Online and paper Paper only Access to Funds Debit card and checks available or via reimbursement request Debit card or via reimbursement request Account Management Integrated on the Regence Engine Separate website Customer Service Regence Customer service handles both HSA and health plan questions HSA bank customer service handles HSA questions. Regence handles health plan questions. Wells Fargo customer service handles HSA questions. Regence handles health plan questions.

29. ©2008 Regence BlueCross BlueShield of Utah 29 Regence HSA Healthplan Regence offers a full-service HSA solution, with: A robust benefit package that combines comprehensive preventive care and wellness programs with solid coverage A full suite of member tools and personalized support to facilitate navigation at every step of the way Providing one-stop integrated service for both health plan and financial services