1. Montana Chamber Choices 2013 Renewal Kim Weisert Health Benefits Director Montana Chamber of Commerce

2. 2 Renewal Increase 2013: +5.9% Actual bill rate affected by - Age Rating, - Tier Changes, and - Line Item Billing

3. 3 Rate Level Adjustments 15% of Groups One level UP 15% of Groups One level DOWN 70% remain on the SAME rate level (one level = 7.5%)

4. 4 Renewal History… 2004 – 0.0% 2005 - 9.9% 2006 - 6.9% 2007 - 11% 2008 - 4.2% 2009 - 8.9% 2010 – 11.5% 2011 – 13.9% 2012 – 1.1% 2013 – 5.9% Average – 7.33%

5. 5 Group Premium Invoice Effective 1/1/2013, continuing to separate line items on bill showing: – $.90 PEPM for UNUM (Life, AD&D, EAP, Will Preparation) – $1.46 PEPM for VSP Vision Exam Benefit – $3.14 PEPM for BCBS billing fee, Wellness, Marketing, Administration – TOTAL: $5.50 PEPM

6. 2013 Benefit Changes PPO Plans – Out-of-network Co-insurance CMM 50/50 Plan ($1,000 Ded., $4,000 OOP) – discontinued Health First 50/50 ($1,000 Ded.) & 80/20 ($1,500 Ded.) – New Drug Card option: Full or Pass thru 6

7. Women’s Preventive Services Well woman visit Screening for gestational diabetes Human papillomavirus (HPV) testing Counseling for sexually transmitted infections Screening and counseling for HIV Contraceptive methods and counseling Breastfeeding support, supplies, and counseling Screening and counseling for interpersonal and domestic violence 7

8. Additional Benefit Reminders UNUM $5,000 base life insurance and AD&D for all covered employees (Buy-up available) UNUM Employee Assistance Program for all members (including legal) $10 VSP vision exam for all covered members (Buy-up available) $100 Preventive Dental paid under medical for all covered members 8

9. 9 Choices Champions! Free Throw: Checklist or Article = $10 Two Point: Both Article & checklist = $20 Three Point: Website logo, including hyperlink = $50 All Star Status: Completion of an event = $75 MVP Status: Completion of everything = $100 Oct. 1, 2011 – Sep. 30, 2012 Rewards Paid: $6,981!

10. Questions 10