Traditional Plan (Fully Insured/Retention)

1. + 10-12% Reserve Factor 130% Aggregate Protection + $10,000/certificate + Trend Factors of 15- 22 EHC/Drugs, & 9 -13% Dental (family) of large claims pooling (i.e. Stop Loss) + $10k per individual + 10-13% Admin. Fees of large claim pooling + 20-25% Admin. Fee Paid Health, Drugs Paid Health, Drugs Paid Health, Drugs and Dental Claims and Dental Claims and Dental Claims Paid Health, Drugs Paid Health, Drugs Paid Health, Drugs and Dental Claims and Dental Claims and Dental Claims Funding of your Program (e.g. 100 plan member group) TraditionalPlan (Fully Insured/Retention) Administrative Services Only (ASO) = LEAST COSTLY way to fund your health, drugs & dental benefits = MOST COSTLY way to fund your health, drugs & dental benefits

2. $10,000 Stop Loss Limit Applied Stop Loss Contract – Layer #1 Per Certificate Catastrophic Protection The Insurer Pays claims above $10,000 per year per family How Does HealthProtectorPlus protect your company from individual/family catastrophic claimers? The Employer Pays claims under the $10,000 Stop Loss Limit per year per family

3. Stop Loss Contract – Layer #2 Group Catastrophic Protection The Insurer covers catastrophic amounts over 130% of last years trended claims How Does HealthProtectorPlus protect your company from group catastrophic claimers? Employer covers up to a max. limit of 130% of last years trended claims

4. Transaction & Administration Costs How you Administer Your Program Which is the BEST way to administer your Benefits Program? … • Through an Insurance Carrier. • Contract directly with the claims payor and each insurer separately. • Through a Third Party Administrator (consolidation of multiple providers into one seamless program).

5. Third Party Administration (TPA) Insurance Administration for Employers Online Enrollment Employer HealthSource enrolls with various partners/insurers