1. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 1 CIGNA Medicare Services 2009 Product Overview

2. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 2 Contents Medicare Advantage Service Area3Medicare Advantage Service Area3 Medicare Advantage Premiums & Benefits5Medicare Advantage Premiums & Benefits5 Medicare Advantage Recruitment Messaging7Medicare Advantage Recruitment Messaging7 Medicare PDP Service Area8Medicare PDP Service Area8 Medicare PDP Benefits9Medicare PDP Benefits9 Medicare PDP Premiums10Medicare PDP Premiums10 Medicare PDP Recruitment Messaging11Medicare PDP Recruitment Messaging11

3. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 3 Medicare Advantage Service Area, by State Benefit Package 1 Benefit Package 2 For 2009, CIGNA has 2 benefit packages, each containing 4 standard plans— 2 MA-Only plans and 2 MA-PD plans. The 28 states in the 2009 service area are shown here.

4. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 4 Medicare Advantage Service Area, by County 1512 counties Double click here for county level details (two tabs) For 2009, CIGNA has 4 county types, A, B, C & D. Premiums are lowest and benefits are richest in A counties. 2009 counties are shown here.

5. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 5 Medicare Advantage 2009 Premiums & Benefits Benefit Package & Plan Name/Type Benefit Package 1Benefit Package 2 Plan One MA-Only Plan Two MA-PD Plan Three MA-Only Plan Four MA-PD Plan One MA-Only Plan Two MA-PD Plan Three MA-Only Plan Four MA-PD A County Premium B County Premium C County Premium D County Premium Out of Pocket Max Co-pays Hospital Inpatient SNF, days 1-20 SNF, days 21-100 Emergency Room Urgent Care World-wide Cvrg World-wide Max Lab Services Diagnostic Tests Hospital OP Outpatient Surgery Ambulance DME $0 $20 $40 $70 $3000 $10/$35 $175 days 1-6 $0/day $125/day $50 $10/$35 $50 $50,000/yr 15% $35 $175 $150/trip 15% $0 or $10 $38 or $45 $58 or $65 $88 or $95 $3500 $10/$40 $250 days 1-6 $0/day $125/day $50 $10/$40 $50 $50,000/yr 15% $40 $250 $150/trip 15% $55 $75 $95 $125 $2500 $10/$20 $50 days 1-6 $0/day $50/day $50 $10/$20 $50 $100,000/yr 15% $20 $50 $100/trip 15% $93 or $100 $113 or $120 $133 or $140 Not Offered $2000 $5/$10 $30 days 1-6 $0/day $30/day $50 $5/$10 $50 $100,000/yr 10% $10 $30 $100/trip 10% $0 $20 $40 $70 $3600 $15/$40 $250 days 1-6 $0/day $125/day $50 $15/$40 $50 $50,000/yr 15% $40 $250 $150/trip 15% $18 or $25 $38 or $45 $58 or $65 $88 or $95 $3800 $15/$45 $250 days 1-6 $0/day $125/day $50 $15/$45 $50 $50,000/yr 15% $45 $250 $150/trip 15% $55 $75 $95 $125 $3400 $10/$20 $100 days 1-6 $0/day $100/day $50 $10/$20 $50 $100,000/yr 15% $20 $100 $100/trip 15% $93 or $100 $113 or $120 $133 or $140 Not Offered $3000 $10/$20 $50 days 1-6 $0/day $50/day $50 $10/$20 $50 $100,000/yr 10% $20 $50 $100/trip 10% Plan Benefits

6. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 6 Medicare Advantage 2009 Benefits Continued Benefit Package & Plan Name/Type Benefit Package 1Benefit Package 2 Plan One MA-Only Plan Two MA-PD Plan Three MA-Only Plan Four MA-PD Plan One MA-Only Plan Two MA-PD Plan Three MA-Only Plan Four MA-PD Blood Nursing Hotline Dental, Medicare Dental, Other* Eye, Routine Eye, Medical Hearing, Routine Hearing, Medical Drugs, Part B Drugs, Part D Tier 1 Tier 2 Tier 3 Tier 4 $0 Yes $35 25% Not covered $35 Not covered $35 20% Not covered $0 Yes $40 25% Not covered $40 Not covered $40 20% Covered $7 $33 $70 or $80 33% $0 Yes $20 25% $20 20% Not covered $0 Yes $10 25% $10 20% Covered $7 $33 $70 or $80 33% $0 Yes $40 25% Not covered $40 Not covered $40 20% Not covered $0 Yes $45 25% Not covered $45 Not covered $45 20% Covered $7 $33 $70 or $80 33% $0 Yes $20 25% $20 20% Not covered $0 Yes $20 25% $20 20% Covered $7 $33 $70 or $80 33% * 2 oral exams, 2 cleanings, & 1 x-ray per year Note that this is a representation of all plans available in all 1512 counties. In a single state, a producer/ beneficiary would only be presented a single Benefit Package and a single premium for each MA-PD plan and a single Tier 3 co-pay for the MA-PD plans.

7. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 7 The CIGNA Medicare Access Advantage Plans available in over 1500 counties in 28 states. 4 Standard plan designs across all counties in each of 28 states. Both MA-Only and MA-PD plans available. $0 premium MA-Only and $0 premium MA-PD plans available. Maximum Out-of-Pocket limits between $2000 and $3800. Hospital Inpatient co-pays as low as $30 for days 1 - 6. Outpatient Lab Services and Diagnostic Tests lower than Original Medicare (10% - 15% co-insurance). Dental benefit* covered at 75%–and, members can use their own dentists. * Member pays 25% co-insurance for 2 oral exams, 2 cleanings, and 1 x-ray per year. Recruitment Messaging

8. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 8 Medicare PDP Service Area CIGNA’s Three simple, affordable, and easy- to-use Prescription Drug Plans are available in all 50 states and the District of Columbia. In 2008, CIGNA has plans with premiums under the state Low-Income-Subsidy benchmark in 24 states—and is within $1 of the LIS benchmark in another 4. We expect similar results in 2009.

9. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 9 Medicare PDP Benefits, 2009 $295 Plan One 30-day 1 $2 - $3 † $25 - $33 † $60 - $95 † 25% Co-insurance N/A After yearly drug costs reach $2700, member pays 100% of discounted drug price Member pays 5% of covered drug costs 2 No Deductible Plan Two 30-day 1 $0 $6 $33 - $48 † $75 - $88 † 33% Co-insurance After yearly drug costs reach $2380 - $2700*, member pays 100% of discounted drug price Member pays 5% of covered drug costs 2 No Deductible Plan Three 30-day 1 $6 $35 $60 33% Co-insurance N/A After yearly drug costs reach $2530 - 2630*, member pays 25% for select generics and 100% of discounted drug price for all other drugs Member pays 5% of covered drug costs 2 † Co-payments differ by Medicare Region—consult the CIGNA Medicare website or CIGNA Medicare Rx Information Guide for specific co-pay levels. 1 Co-payments are for a 30-day supply at an in-network retail pharmacy. 90-day co-payment is three (3) times the 30-day levels. 90-day mail-order co-payment at our preferred pharmacy is two-and-a-half (2.5) times the 30-day levels. 2 Or a co-payment of $2.40 for generic (including brand drugs treated as generic) and $6.00 for all other drugs if co-payment is higher than 5% of cost. Three Simple Plans Annual Deductible Initial Coverage: Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Coverage Gap: After Coverage Gap: After out-of-pocket drug costs reach $4,350 * ICL differs by Medicare Region

10. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 10 Medicare PDP Premiums, 2009

11. All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change. For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited. 11 The CIGNA Medicare Rx Advantage Plans available in all 50 states and the District of Columbia. Three simple, affordable, and easy-to-use plans in each state. Broad national network of over 55,000 pharmacies. Plan One has low premiums—premiums that were under the LIS benchmark in 24 states in 2008. Plan Two has $0 co-pay for select generic drugs, including drugs used to treat High Blood Pressure and High Cholesterol—high frequency conditions in the Medicare population. Plan Three has a broad formulary with select generic coverage in the doughnut hole. Online enrollment available to producers. Recruitment Messaging