1. Individual Experience Advisory Group July 17, 2012

2. 2 Agenda Welcome & Introductions10 min Policies60 min –Display & Pricing of Supplemental Plans Public Forum 10 min Wrap-up 10 min

3. 3 Supplemental Plans Definitions –Embedded Plans There is a single premium and the consumer must purchase all of the benefits together –Bundled Plan The consumer may be charged a single premium but the plan has a separate premium for each component/policy –Stand Alone Plan A plan that contains only a small subset of benefits like dental coverage –Supplemental Benefits Benefits that are not included in the EHB – adult dental, adult vision, various employer benefit options –Supplemental Plan A plan that contains only supplemental benefits

4. 4 Pediatric Dental Per HHS Regulations – Pediatric Dental must be included as part of the Essential Health Benefits –May be embedded –May be bundled –If there is a standalone dental plan, only a stand alone medical plan may be offered Embedded Single $ Bundled $ Medical Stand Alone Medical $ Medical $ DentalStand Alone Dental $ Dental

5. 5 Supplement Benefits Options Allow Supplemental Benefits to be embedded Allow Supplemental Benefits to be sold as stand alone plans Allow Supplemental Benefits to be bundled into a medical policy and a supplemental policy(s)(may have a lower price)

6. 6 Topic Summary & Board Target Decision Dates Standard Comparative Plan Information 6/25 Display & Pricing of Supplemental Plans 7/23 Single Streamlined Application Aug Navigator & Compensation ModelAug Customer Service Center Aug/Sept Consumer Rights & ResponsibilitiesAug/Sept