Medicare Part D Prescription Drug Plans CIGNATURE Rx Solutions

1. Medicare Part DPrescription Drug PlansCIGNATURE Rx Solutions NOTES TO SPEAKERS: Welcome. When it comes to choosing a plan for your prescription drug coverage, it’s important that you choose the best plan—the one that best meets your needs for prescription drug coverage. This presentation was created to help you better understand Medicare Part D and the CIGNATURE Rx prescription drug plans. We want to assist you in obtaining the most appropriate prescription drug coverage by giving you the information you need. Let’s look at our specific objectives for this session.NOTES TO SPEAKERS: Welcome. When it comes to choosing a plan for your prescription drug coverage, it’s important that you choose the best plan—the one that best meets your needs for prescription drug coverage. This presentation was created to help you better understand Medicare Part D and the CIGNATURE Rx prescription drug plans. We want to assist you in obtaining the most appropriate prescription drug coverage by giving you the information you need. Let’s look at our specific objectives for this session.

2. 2 Medicare Overview Medicare Part D – Who is eligible? Selecting a plan – What to consider? Costs & Savings Coverage Convenience Comfort CIGNATURE Rx – Which plan is right for you? How to enroll Agenda NOTES TO SPEAKERS: Today, we’ll give you an overview of the new Medicare Part D Prescription Drug Program – why it’s important and why you might want to consider enrolling in a plan like CIGNATURE Rx. We’ll talk about who is eligible and what you might want to consider when you select a plan. And we’ll show you the benefits of the CIGNATURE Rx Prescription Drug Plans – we can even help you enroll today if you’re ready!NOTES TO SPEAKERS: Today, we’ll give you an overview of the new Medicare Part D Prescription Drug Program – why it’s important and why you might want to consider enrolling in a plan like CIGNATURE Rx. We’ll talk about who is eligible and what you might want to consider when you select a plan. And we’ll show you the benefits of the CIGNATURE Rx Prescription Drug Plans – we can even help you enroll today if you’re ready!

3. 3 Medicare Overview NOTES TO SPEAKERS: Medicare is comprised of four “parts”. Part A covers hospital insurance. Part B covers medical insurance like doctors’ visits, outpatient care and laboratory services. Part C is a combination of Parts A and B and is hospital and medical insurance administered by a private company. Part D is prescription drug coverage and it what we’re really here to talk about today.NOTES TO SPEAKERS: Medicare is comprised of four “parts”. Part A covers hospital insurance. Part B covers medical insurance like doctors’ visits, outpatient care and laboratory services. Part C is a combination of Parts A and B and is hospital and medical insurance administered by a private company. Part D is prescription drug coverage and it what we’re really here to talk about today.

4. 4 Medicare Overview NOTES TO SPEAKERS: Medicare Part D is Medicare’s newest program, covering prescription drugs. Medicare Part D is what we are going to talk about today. A couple of things you should keep in mind about Medicare Part D: Medicare Part D prescription drug coverage is insurance that provides prescription drug coverage for the drugs you are on today – and the drugs you may need to take in the future. It’s not a discount card. Participation is voluntary – you must decide if you want to enroll; and There may be penalties – 1% a month – for those who don’t enroll during your initial enrollment period. This means that if you wait 12 months to enroll, you may pay an additional 12 % to your premium when you do enroll. NOTES TO SPEAKERS: Medicare Part D is Medicare’s newest program, covering prescription drugs. Medicare Part D is what we are going to talk about today. A couple of things you should keep in mind about Medicare Part D: Medicare Part D prescription drug coverage is insurance that provides prescription drug coverage for the drugs you are on today – and the drugs you may need to take in the future. It’s not a discount card. Participation is voluntary – you must decide if you want to enroll; and There may be penalties – 1% a month – for those who don’t enroll during your initial enrollment period. This means that if you wait 12 months to enroll, you may pay an additional 12 % to your premium when you do enroll.

5. 5 Medicare Part D You are eligible to join a CIGNATURE Rx Prescription Drug plan if: NOTES TO SPEAKERS: NOTES TO SPEAKERS:

6. 6 Enrolling in Part D Initial Enrollment Period (IEP): The IEP is the 7-month period that begins 3 months before an individual meets eligibility requirements (generally, your 65th birthday) and ends 3 months after the month of eligibility. Annual Election Period (AEP): The AEP occurs November 15th through December 31st every year. During this period, beneficiaries can: Enroll for the first time; or Switch plans if dissatisfied with their current plan.* * There is one AEP enrollment/disenrollment choice available for use during this period. Once that choice is effective, the individual has exhausted the AEP. NOTES TO SPEAKERS: The Initial Enrollment Period in which an individual may enroll in Medicare Part D is the 7-month period that begins 3 months before an individual meets eligibility requirements and ends 3 months after the month of eligibility. The Annual Election Period occurs every year from November 15th through December 31st. During this time, new members can enroll and existing members can change plans. Special Election Periods (SEPs) are available to members for certain reasons such as: Change in Residence Dual-eligible individuals or individuals who lose their dual-eligibility Contract violation on the part of the health plan Non-renewal or termination of a plan offered by another carrier Involuntary loss of creditable prescription drug coverage Exceptional conditionsNOTES TO SPEAKERS: The Initial Enrollment Period in which an individual may enroll in Medicare Part D is the 7-month period that begins 3 months before an individual meets eligibility requirements and ends 3 months after the month of eligibility. The Annual Election Period occurs every year from November 15th through December 31st. During this time, new members can enroll and existing members can change plans. Special Election Periods (SEPs) are available to members for certain reasons such as: Change in Residence Dual-eligible individuals or individuals who lose their dual-eligibility Contract violation on the part of the health plan Non-renewal or termination of a plan offered by another carrier Involuntary loss of creditable prescription drug coverage Exceptional conditions

7. 7 What’s Your Prescription Drug Coverage Situation? NOTES TO SPEAKERS: To start, we’d like to review your prescription drug coverage today. There are several situations to consider. Do you know where you fit in? Let’s review each situation.NOTES TO SPEAKERS: To start, we’d like to review your prescription drug coverage today. There are several situations to consider. Do you know where you fit in? Let’s review each situation.

8. 8 I have prescription drug coverage from a current or former employer or union NOTES TO SPEAKERS: Do you have Prescription Drug Coverage from a former employer or union? You may have received a letter of creditable coverage from your former employer or union. If your coverage is creditable – meaning that it’s as good as the standard Medicare plan – then you can choose to keep that coverage. If it’s not creditable, however, you should consider joining a creditable plan. Here is an example of someone with Prescription Drug Coverage from an employer or union Grace is retired. Her former employer notifies her that her coverage is creditable, which means that the coverage is as good as the standard Medicare model. She elects to keep her coverage with her former employer. Because her current coverage is creditable, she can later choose to get Medicare prescription drug coverage without penalty. If her former employer later stops offering prescription drug coverage, she should join a Medicare drug plan within 63 days after her current coverage ends to avoid any penalty.NOTES TO SPEAKERS: Do you have Prescription Drug Coverage from a former employer or union? You may have received a letter of creditable coverage from your former employer or union. If your coverage is creditable – meaning that it’s as good as the standard Medicare plan – then you can choose to keep that coverage. If it’s not creditable, however, you should consider joining a creditable plan. Here is an example of someone with Prescription Drug Coverage from an employer or union Grace is retired. Her former employer notifies her that her coverage is creditable, which means that the coverage is as good as the standard Medicare model. She elects to keep her coverage with her former employer. Because her current coverage is creditable, she can later choose to get Medicare prescription drug coverage without penalty. If her former employer later stops offering prescription drug coverage, she should join a Medicare drug plan within 63 days after her current coverage ends to avoid any penalty.

9. 9 I have prescription drug coveragethrough a Medicare Advantage Plan NOTES TO SPEAKERS: Do you have Prescription Drug Coverage through a Medicare Advantage Plan or other Medicare Health Plan? (different types of MA plans) If you do, then your plan will notify you about your choices. Here is an example: Esther has Medicare Part A and Part B and joined a Medicare HMO. She gets all of her health care from the plan, including some prescription drug coverage. Starting January 1, 2006, her Medicare HMO will provide her with new prescription drug coverage that is better than Medicare’s standard plan. Although her premium will increase, Esther will now have more prescription drug coverage. She decides to stay with her HMO. NOTES TO SPEAKERS: Do you have Prescription Drug Coverage through a Medicare Advantage Plan or other Medicare Health Plan? (different types of MA plans) If you do, then your plan will notify you about your choices. Here is an example: Esther has Medicare Part A and Part B and joined a Medicare HMO. She gets all of her health care from the plan, including some prescription drug coverage. Starting January 1, 2006, her Medicare HMO will provide her with new prescription drug coverage that is better than Medicare’s standard plan. Although her premium will increase, Esther will now have more prescription drug coverage. She decides to stay with her HMO.

10. 10 I have prescription drug coverage through a Medigap (supplemental insurance) policy NOTES TO SPEAKERS: Do you have Prescription Drug Coverage through Medigap – a supplemental insurance plan you purchased? If you do, you should check with your Medigap insurance company before making a change – however, most prescription drug coverage offered by Medigap is NOT creditable. Here’s an example: Regina has a Medigap policy with prescription drug coverage, which is a type of insurance she has purchased to supplement her coverage. She received a notice from her Medigap insurer that her drug coverage is NOT creditable. She buys a Medigap policy from her Medigap company that doesn’t have drug coverage. She also joins a Medicare Part D Prescription Drug Plan to save money. She avoids a penalty by enrolling by 5/15/2006. She now pays monthly premiums for her Medicare Part B, her Medicare Part D Prescription Drug Plan, and her Medigap policy. NOTES TO SPEAKERS: Do you have Prescription Drug Coverage through Medigap – a supplemental insurance plan you purchased? If you do, you should check with your Medigap insurance company before making a change – however, most prescription drug coverage offered by Medigap is NOT creditable. Here’s an example: Regina has a Medigap policy with prescription drug coverage, which is a type of insurance she has purchased to supplement her coverage. She received a notice from her Medigap insurer that her drug coverage is NOT creditable. She buys a Medigap policy from her Medigap company that doesn’t have drug coverage. She also joins a Medicare Part D Prescription Drug Plan to save money. She avoids a penalty by enrolling by 5/15/2006. She now pays monthly premiums for her Medicare Part B, her Medicare Part D Prescription Drug Plan, and her Medigap policy.

11. 11 I have creditable prescription drug coverage through TRICARE, Veteran’s Affairs or FEHB It may be to your advantage to keep your current coverage. As long as you still qualify, your TRICARE, VA, or FEHB prescription drug coverage is not changing. If you lose your TRICARE, VA or FEHB coverage and you join a Medicare drug plan after 5/15/2006, in most cases, you won’t have to pay a penalty as long as you join within 63 days of losing TRICARE, VA or FEHB coverage . NOTES TO SPEAKERS: Do you have Prescription Drug Coverage through TRICARE, Veteran’s Affairs or FEHB? If you do, you should contact your benefits administrator before making any changes. Your coverage is not changing, and it may be to your advantage to keep your current coverage. Here’s an example of someone who has prescription drug coverage through TRICARE: Sam retired from the military and has TRICARE. His TRICARE plan pays for his prescription drugs. Sam elects to keep his creditable coverage. And someone who has coverage through Veteran’s Affairs: Douglas is a veteran. He gets his prescription drugs from the VA. Douglas elects to keep his creditable coverage.NOTES TO SPEAKERS: Do you have Prescription Drug Coverage through TRICARE, Veteran’s Affairs or FEHB? If you do, you should contact your benefits administrator before making any changes. Your coverage is not changing, and it may be to your advantage to keep your current coverage. Here’s an example of someone who has prescription drug coverage through TRICARE: Sam retired from the military and has TRICARE. His TRICARE plan pays for his prescription drugs. Sam elects to keep his creditable coverage. And someone who has coverage through Veteran’s Affairs: Douglas is a veteran. He gets his prescription drugs from the VA. Douglas elects to keep his creditable coverage.

12. 12 I have prescription drug coverage through my state Medicaid program Medicare, not Medicaid, began paying for your prescription drugs on January 1, 2006. In most cases you will pay only a small amount out of your own pocket. If you decide you want another plan, you can switch to another plan at any time.* Coverage will begin on an effective date determined by the government in a manner that will avoid a gap in coverage to the extent possible. NOTES TO SPEAKERS: (This example is only for Medicaid members – please emphasize because enrollment eligibility varies.) Do you have Prescription Drug Coverage through Medicaid? If you do, your prescription drug coverage is changing. Medicare, not Medicaid, began paying for your prescription drugs on January 1, 2006. Medicaid will still cover other care that Medicare doesn’t. You will have continuous Medicare prescription drug coverage. Here’s an example: Linda has full coverage from Medicaid. She received a letter telling her she could join a Medicare Part D Prescription Drug Plan. Since she didn’t join a plan, Medicare enrolled her in a Medicare Part D Prescription Drug Plan in her area to ensure she wouldn’t miss a day of coverage. Linda can look at other plans in her area. If she feels the plan she was enrolled in isn’t meeting her needs, she can switch to another plan at any time. NOTES TO SPEAKERS: (This example is only for Medicaid members – please emphasize because enrollment eligibility varies.) Do you have Prescription Drug Coverage through Medicaid? If you do, your prescription drug coverage is changing. Medicare, not Medicaid, began paying for your prescription drugs on January 1, 2006. Medicaid will still cover other care that Medicare doesn’t. You will have continuous Medicare prescription drug coverage. Here’s an example: Linda has full coverage from Medicaid. She received a letter telling her she could join a Medicare Part D Prescription Drug Plan. Since she didn’t join a plan, Medicare enrolled her in a Medicare Part D Prescription Drug Plan in her area to ensure she wouldn’t miss a day of coverage. Linda can look at other plans in her area. If she feels the plan she was enrolled in isn’t meeting her needs, she can switch to another plan at any time.

13. 13 I do not have prescription drug coverage and my health care coverage comes from Original Medicare without a Medigap policy To have Medicare help pay for your drugs, you must join a plan. Even if you do not use a lot of prescription drugs now, joining before the initial enrollment period will ensure you avoid any penalty. NOTES TO SPEAKERS: There also are some of you here today who currently do not have Prescription Drug Coverage. This may be because your health care coverage comes from the Original Medicare Plan with or without a Medigap policy. Either way you must join a plan. For example, Martin has ONLY Original Medicare. He enrolls in a Medicare Part D Prescription Drug Plan, and chooses a plan that covers the drugs he is taking and includes the pharmacy he uses. His Original Medicare plan service continues unchanged. Or, as another example, Lillian has Original Medicare and a Medigap policy with prescription drug coverage that is creditable. She uses a few prescription drugs but joins a Medicare Part D Prescription Drug Plan to save money and limit future costs. She will pay separate monthly premiums for her Medicare Part B, her Medigap policy, and her Prescription Drug Plan. NOTES TO SPEAKERS: There also are some of you here today who currently do not have Prescription Drug Coverage. This may be because your health care coverage comes from the Original Medicare Plan with or without a Medigap policy. Either way you must join a plan. For example, Martin has ONLY Original Medicare. He enrolls in a Medicare Part D Prescription Drug Plan, and chooses a plan that covers the drugs he is taking and includes the pharmacy he uses. His Original Medicare plan service continues unchanged. Or, as another example, Lillian has Original Medicare and a Medigap policy with prescription drug coverage that is creditable. She uses a few prescription drugs but joins a Medicare Part D Prescription Drug Plan to save money and limit future costs. She will pay separate monthly premiums for her Medicare Part B, her Medigap policy, and her Prescription Drug Plan.

14. 14 NOTES TO SPEAKERS: If you have limited income and resources, you may qualify for extra help paying for your prescription drug costs. If you qualify, you will get help paying for your drug plan’s monthly premium, yearly deductible, and prescription copayments.NOTES TO SPEAKERS: If you have limited income and resources, you may qualify for extra help paying for your prescription drug costs. If you qualify, you will get help paying for your drug plan’s monthly premium, yearly deductible, and prescription copayments.

15. 15 Medicare Part D Reasons to enroll now A recent Medicare Today study showed how beneficiaries spending as little as $381 per year could realize savings.* Even if you don’t use prescription drugs now, it may protect you from paying more for prescriptions that you will need in the future. Penalties for those who don’t enroll during the initial enrollment period. 1% per month (for example, if you wait 12 months to enroll, you will pay an additional 12% to your premium when you do enroll). NOTES TO SPEAKERS: There are many reasons why you should consider enrolling in Medicare Part D as soon as possible. Let’s review them.NOTES TO SPEAKERS: There are many reasons why you should consider enrolling in Medicare Part D as soon as possible. Let’s review them.

16. 16 NOTES TO SPEAKERS: When you consider a Medicare Part D plan, there are 4 important areas to look at : Cost – What will you be paying for out of your own pocket and what will any particular plan potentially save you? Convenience – Will you be able to get your prescriptions at a local, easy to reach pharmacy? Coverage – Does the plan include the prescriptions you need? Comfort – Do you feel taken care of? We’re going to review each – and as we do, we’re also going to begin to explain how CIGNATURE Rx may be the right plan for you. NOTES TO SPEAKERS: When you consider a Medicare Part D plan, there are 4 important areas to look at : Cost – What will you be paying for out of your own pocket and what will any particular plan potentially save you? Convenience – Will you be able to get your prescriptions at a local, easy to reach pharmacy? Coverage – Does the plan include the prescriptions you need? Comfort – Do you feel taken care of? We’re going to review each – and as we do, we’re also going to begin to explain how CIGNATURE Rx may be the right plan for you.

17. 17 Costs and Savings NOTES TO SPEAKERS: Your costs will vary depending on which Medicare prescription drug plan you choose. As you learn more about Prescription Drug Coverage and the related costs, you’ll become more familiar with these terms: Premium: The periodic (typically monthly) payment to an insurance company or a health care plan for prescription drug coverage. CIGNATURE Rx plans have been designed to be affordable and easy to use. CIGNATURE Rx plans have low premiums. Copayment: In some Medicare Prescription Drug Plans, the amount you pay for each prescription. A copayment is usually a set amount you pay. For example, this could be $5 or $10 for a prescription. CIGNATURE Rx uses copayments because we believe it’s more helpful – more convenient for you to always know what you’re going to pay for your prescriptions. Deductible: The amount you must pay for prescriptions before your prescription drug plan begins to pay. For example, many prescription drug plans use the standard $265 deductible. Two of the three CIGNATURE Rx plans don’t even have a deductible – you’re coverage begins right away.NOTES TO SPEAKERS: Your costs will vary depending on which Medicare prescription drug plan you choose. As you learn more about Prescription Drug Coverage and the related costs, you’ll become more familiar with these terms: Premium: The periodic (typically monthly) payment to an insurance company or a health care plan for prescription drug coverage. CIGNATURE Rx plans have been designed to be affordable and easy to use. CIGNATURE Rx plans have low premiums. Copayment: In some Medicare Prescription Drug Plans, the amount you pay for each prescription. A copayment is usually a set amount you pay. For example, this could be $5 or $10 for a prescription. CIGNATURE Rx uses copayments because we believe it’s more helpful – more convenient for you to always know what you’re going to pay for your prescriptions. Deductible: The amount you must pay for prescriptions before your prescription drug plan begins to pay. For example, many prescription drug plans use the standard $265 deductible. Two of the three CIGNATURE Rx plans don’t even have a deductible – you’re coverage begins right away.

18. 18 Convenience NOTES TO SPEAKERS: When it comes to convenience, you should find out which pharmacies the various drug plans in your area use, to make sure that they are convenient to you. CIGNATURE Rx contracts with more than [55,000] pharmacies throughout the country, including all major national chains. This network of chain and independent retail, mail-order, home infusion and long-term care pharmacies provides our members with convenient access to Medicare Part D pharmacies in your area. Your plan must offer pharmacies within a reasonable distance from your home, and you must go to one of the pharmacies within your plan's network, except in unusual circumstances. Going out of network will likely cost more. Many plans will also offer mail order services, which is a convenient way to make sure you always have the prescription medicines you take on a regular basis. NOTES TO SPEAKERS: When it comes to convenience, you should find out which pharmacies the various drug plans in your area use, to make sure that they are convenient to you. CIGNATURE Rx contracts with more than [55,000] pharmacies throughout the country, including all major national chains. This network of chain and independent retail, mail-order, home infusion and long-term care pharmacies provides our members with convenient access to Medicare Part D pharmacies in your area.

19. 19 Coverage Drug List/Formulary. A list of prescription drugs that a Medicare drug plan will cover subject to limits and conditions. Four-Tier Formulary. The level of coverage depends on the tier in which your prescription is listed: Generic; Preferred brands; Non-preferred brands; or Specialty drugs. NOTES TO SPEAKERS: Coverage is also important, because you’ll want to make sure your current prescription drugs are covered. All drug plans have drug lists – also known as formularies. Drug plans also can cover different generic and brand-name drugs in different drug categories. A Formulary is the list of certain kinds of prescription drugs that a Medicare drug plan will cover subject to limits and conditions. CIGNATURE Rx has a four-tier structure formulary to help you better control your medical expenses. Having a four-tier formulary means that payment for your prescriptions – your copayment or coinsurance amount – depends on the tier in which your prescription medicine is listed. The four tiers are: Generic drugs are covered at the “generic” copayment or coinsurance amount. A generic drug is labeled with the medication’s basic chemical name and usually has a brand-name equivalent. The U.S. Food and Drug Administration (FDA) requires that generic drugs have the same active chemical composition, same potency and be offered in the same form as their brand-name equivalents. Generic drugs must meet the same FDA standards as brand-name drugs and are tested and certified to be as effective as their brand-name counterparts. Preferred brand-name drugs generally have no generic equivalent. You’re covered for these medications at the “preferred brand” copayment or coinsurance under this benefit. Non-preferred brand-name drugs generally either have a generic equivalent that is equally effective and less costly and/or one or more preferred-brand options. You or your doctor may decide that a medication in this category is best for you despite the generic and preferred brand options. If you choose a third-tier brand-name drug, you’re covered at the “non-preferred brand” copayment or coinsurance under this benefit. Specialty Drugs high cost brand and generic drugs with a 30-day supply cost of over $500. NOTES TO SPEAKERS: Coverage is also important, because you’ll want to make sure your current prescription drugs are covered. All drug plans have drug lists – also known as formularies. Drug plans also can cover different generic and brand-name drugs in different drug categories. A Formulary is the list of certain kinds of prescription drugs that a Medicare drug plan will cover subject to limits and conditions. CIGNATURE Rx has a four-tier structure formulary to help you better control your medical expenses. Having a four-tier formulary means that payment for your prescriptions – your copayment or coinsurance amount – depends on the tier in which your prescription medicine is listed. The four tiers are: Generic drugs are covered at the “generic” copayment or coinsurance amount. A generic drug is labeled with the medication’s basic chemical name and usually has a brand-name equivalent. The U.S. Food and Drug Administration (FDA) requires that generic drugs have the same active chemical composition, same potency and be offered in the same form as their brand-name equivalents. Generic drugs must meet the same FDA standards as brand-name drugs and are tested and certified to be as effective as their brand-name counterparts. Preferred brand-name drugs generally have no generic equivalent. You’re covered for these medications at the “preferred brand” copayment or coinsurance under this benefit. Non-preferred brand-name drugs generally either have a generic equivalent that is equally effective and less costly and/or one or more preferred-brand options. You or your doctor may decide that a medication in this category is best for you despite the generic and preferred brand options. If you choose a third-tier brand-name drug, you’re covered at the “non-preferred brand” copayment or coinsurance under this benefit. Specialty Drugs high cost brand and generic drugs with a 30-day supply cost of over $500.

20. 20 Comfort Personalized Customer Service Highly trained representatives No interactive voice response – you can talk directly to a representative and talk as long as you need to From CIGNA HealthCare, a leading health care benefits provider with more than 80 years of experience NOTES TO SPEAKERS: Decide what your future needs might be. Even if you don’t use a lot of prescription drugs now, you still should consider joining a Medicare prescription drug plan now. As people age, most need prescription drugs to stay healthy. For most people, joining as soon as they are eligible means they will pay the lowest possible monthly premium. CIGNATURE Rx wants you to be comfortable with your benefits and choosing a prescription drug plan. That’s why we offer personalized customer service from experts who understand benefits and can help you choose a plan that’s right for you. All coming from CIGNA HealthCare—a leader in the health care benefits industry who’s been helping American’s lead healthier, more secure lives for more than 80 years. NOTES TO SPEAKERS: Decide what your future needs might be. Even if you don’t use a lot of prescription drugs now, you still should consider joining a Medicare prescription drug plan now. As people age, most need prescription drugs to stay healthy. For most people, joining as soon as they are eligible means they will pay the lowest possible monthly premium. CIGNATURE Rx wants you to be comfortable with your benefits and choosing a prescription drug plan. That’s why we offer personalized customer service from experts who understand benefits and can help you choose a plan that’s right for you. All coming from CIGNA HealthCare—a leader in the health care benefits industry who’s been helping American’s lead healthier, more secure lives for more than 80 years.

21. 21 Standard Benefit, 2007 NOTES TO SPEAKERS: You may have seen this diagram which provides information on the “standard” Medicare Prescription Drug Plan. CIGNATURE Rx provides 3 simple and affordable plans. Let’s look at these plans in a simpler way…..go to next slide. Should questions arise regarding this slide, use the notes below; This is the standard Medicare Part D plan. Generally, standard coverage will work like this: You pay a monthly premium [varies depending on your plan, but estimated at about $288 a year in 2007]. You also may or may not need to pay a deductible. You pay 25 percent of drug costs, and Medicare pays 75 percent. Once your total drug costs reach $2,400, you pay 100 percent of drug costs from $2,400 to $5,451. Once your total drug costs reach $5,451 (equal to $3,850 true out-of-pocket costs), you pay only 5 percent of any costs for the rest of the calendar year, and Medicare will pay the remaining 95 percent. Now, let’s look at coverage with the three CIGNATURE Rx plans. NOTES TO SPEAKERS: You may have seen this diagram which provides information on the “standard” Medicare Prescription Drug Plan. CIGNATURE Rx provides 3 simple and affordable plans. Let’s look at these plans in a simpler way…..go to next slide. Should questions arise regarding this slide, use the notes below; This is the standard Medicare Part D plan. Generally, standard coverage will work like this: You pay a monthly premium [varies depending on your plan, but estimated at about $288 a year in 2007]. You also may or may not need to pay a deductible. You pay 25 percent of drug costs, and Medicare pays 75 percent. Once your total drug costs reach $2,400, you pay 100 percent of drug costs from $2,400 to $5,451. Once your total drug costs reach $5,451 (equal to $3,850 true out-of-pocket costs), you pay only 5 percent of any costs for the rest of the calendar year, and Medicare will pay the remaining 95 percent. Now, let’s look at coverage with the three CIGNATURE Rx plans.

22. 22 Overview of 2007 CIGNATURE Rx Plans NOTES TO SPEAKERS:NOTES TO SPEAKERS:

23. 23 Value Plan Monthly Premium: [$XX.XX] Deductible: $265.00 (brand drugs only) In-network Copay: Coverage Gap: 100% of discounted drug costs Catastrophic Coverage: The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance NOTES TO SPEAKERS: Here’s a look at the CIGNATURE Rx Value Plan Monthly Premium. Varies by state but is [$XX.XX] in the state of [State]. Annual Deductible. $265 – you pay the first $265 before coverage begins for brands only—the generic copay is $0.. Before your yearly drug costs exceed $2,400. In-Network Pharmacy Copayments – what you pay out-of-pocket: Generic drugs: $0 for a 30-day supply. Formulary preferred brand drugs: $20 for a 30-day supply. Formulary non-preferred brand drugs: $60 for a 30-day supply. Specialty drugs: 30% of the cost of the drug The 90-day Mail Order copayment at the CIGNA Tel-Drug pharmacy is 2.5 times the 30-day copay. Out-Of-Network Pharmacy Copayments 40% of the cost of the prescription drug. After your yearly drug costs exceed $2,400 (Coverage Gap). 100% of discounted drug costs. After your yearly out-of-pocket drug costs reach $3,850 (Catastrophic Coverage). The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance. Remember, you always pay the lesser of the two amounts if your copayment is greater than the retail price. NOTES TO SPEAKERS: Here’s a look at the CIGNATURE Rx Value Plan Monthly Premium. Varies by state but is [$XX.XX] in the state of [State]. Annual Deductible. $265 – you pay the first $265 before coverage begins for brands only—the generic copay is $0.. Before your yearly drug costs exceed $2,400. In-Network Pharmacy Copayments – what you pay out-of-pocket: Generic drugs: $0 for a 30-day supply. Formulary preferred brand drugs: $20 for a 30-day supply. Formulary non-preferred brand drugs: $60 for a 30-day supply. Specialty drugs: 30% of the cost of the drug The 90-day Mail Order copayment at the CIGNA Tel-Drug pharmacy is 2.5 times the 30-day copay. Out-Of-Network Pharmacy Copayments 40% of the cost of the prescription drug. After your yearly drug costs exceed $2,400 (Coverage Gap). 100% of discounted drug costs. After your yearly out-of-pocket drug costs reach $3,850 (Catastrophic Coverage). The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance. Remember, you always pay the lesser of the two amounts if your copayment is greater than the retail price.

24. 24 Plus Plan Monthly Premium: [$XX.XX] Deductible: $0.00 (Coverage starts immediately) In-network Copay: Coverage Gap: 100% of discounted drug costs Catastrophic Coverage: The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance NOTES TO SPEAKERS: Here’s a look at the CIGNATURE Rx Plus Plan Monthly Premium. Varies by state but is [$XX.XX] in the state of [State]. Annual Deductible. $0 – coverage begins right awy Before your yearly drug costs exceed $2,400. In-Network Pharmacy Copayments – what you pay out-of-pocket: Generic drugs: $4 for a 30-day supply. Formulary preferred brand drugs: $30 for a 30-day supply. Formulary non-preferred brand drugs: $50 for a 30-day supply. Specialty drugs: 30% of the cost of the drug The 90-day Mail Order copayment at the CIGNA Tel-Drug pharmacy is 2.5 times the 30-day copay. Out-Of-Network Pharmacy Copayments 40% of the cost of the prescription drug. After your yearly drug costs exceed $2,400 (Coverage Gap). 100% of discounted drug costs. After your yearly out-of-pocket drug costs reach $3,850 (Catastrophic Coverage). The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance. Remember, you always pay the lesser of the two amounts if your copayment is greater than the retail price. NOTES TO SPEAKERS: Here’s a look at the CIGNATURE Rx Plus Plan Monthly Premium. Varies by state but is [$XX.XX] in the state of [State]. Annual Deductible. $0 – coverage begins right awy Before your yearly drug costs exceed $2,400. In-Network Pharmacy Copayments – what you pay out-of-pocket: Generic drugs: $4 for a 30-day supply. Formulary preferred brand drugs: $30 for a 30-day supply. Formulary non-preferred brand drugs: $50 for a 30-day supply. Specialty drugs: 30% of the cost of the drug The 90-day Mail Order copayment at the CIGNA Tel-Drug pharmacy is 2.5 times the 30-day copay. Out-Of-Network Pharmacy Copayments 40% of the cost of the prescription drug. After your yearly drug costs exceed $2,400 (Coverage Gap). 100% of discounted drug costs. After your yearly out-of-pocket drug costs reach $3,850 (Catastrophic Coverage). The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance. Remember, you always pay the lesser of the two amounts if your copayment is greater than the retail price.

25. 25 Complete Plan Monthly Premium: [$XX.XX] Deductible: $0.00 (Coverage starts immediately) In-network Copay: Coverage Gap: $4 copay for generic drugs, 100% of discounted drug cost for brands Catastrophic Coverage: The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance NOTES TO SPEAKERS: Here’s a look at the CIGNATURE Rx Complete Plan Monthly Premium. Varies by state but is [$XX.XX] in the state of [State]. Annual Deductible. $0 – coverage begins right awy Before your yearly drug costs exceed $2,400. In-Network Pharmacy Copayments – what you pay out-of-pocket: Generic drugs: $4 for a 30-day supply. Formulary preferred brand drugs: $30 for a 30-day supply. Formulary non-preferred brand drugs: $50 for a 30-day supply. Specialty drugs: 30% of the cost of the drug The 90-day Mail Order copayment at the CIGNA Tel-Drug pharmacy is 2.5 times the 30-day copay. Out-Of-Network Pharmacy Copayments 40% of the cost of the prescription drug. After your yearly drug costs exceed $2,400 (Coverage Gap). $4 copay for generic drugs and 100% of discounted drug costs for brands. After your yearly out-of-pocket drug costs reach $3,850 (Catastrophic Coverage). The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance. Remember, you always pay the lesser of the two amounts if your copayment is greater than the retail price. NOTES TO SPEAKERS: Here’s a look at the CIGNATURE Rx Complete Plan Monthly Premium. Varies by state but is [$XX.XX] in the state of [State]. Annual Deductible. $0 – coverage begins right awy Before your yearly drug costs exceed $2,400. In-Network Pharmacy Copayments – what you pay out-of-pocket: Generic drugs: $4 for a 30-day supply. Formulary preferred brand drugs: $30 for a 30-day supply. Formulary non-preferred brand drugs: $50 for a 30-day supply. Specialty drugs: 30% of the cost of the drug The 90-day Mail Order copayment at the CIGNA Tel-Drug pharmacy is 2.5 times the 30-day copay. Out-Of-Network Pharmacy Copayments 40% of the cost of the prescription drug. After your yearly drug costs exceed $2,400 (Coverage Gap). $4 copay for generic drugs and 100% of discounted drug costs for brands. After your yearly out-of-pocket drug costs reach $3,850 (Catastrophic Coverage). The greater of $2.15 for a generic or a preferred brand that is a multi-source drug, and $5.35 for all other drugs, or 5% coinsurance. Remember, you always pay the lesser of the two amounts if your copayment is greater than the retail price.

26. 26 A Savings Illustration—Are You Like Paul? NOTES TO SPEAKER: ARE YOU LIKE PAUL? Paul is 70 years old. He takes four prescriptions every month (three generics and one brand name drug). He has original Medicare Parts A and B. He does not qualify for any financial assistance for prescriptions and does not have prescription coverage. He pays about $2,886 every year for his medications. Paul compared the savings from enrolling in CIGNATURE Rx Plans. For the Value Plan, Paul would pay a monthly premium of $24 ($288 per year), would pay a $265 deductible on the brand drug (generics are $0 even through the deductible period), and would pay $180 through the Initial Coverage period. He’d also pay $480 in the Coverage Gap (“doughnut hole”) meaning his total yearly cost would be $1,213—a savings of $1,687 from the $2,900 he was paying without prescription drug coverage. For the Plus Plan, Paul would pay a monthly premium of $33 ($396 per year), would pay no deductible—coverage begins immediately—and would pay $420 through the Initial Coverage period. He’d also pay $480 in the Coverage Gap (“doughnut hole”) meaning his total yearly cost would be $1,296—a savings of $1,604 from the $2,900 he was paying without prescription drug coverage. For the Complete Plan, Paul would pay a monthly premium of $43 ($516 per year), would pay no deductible—coverage begins immediately—and would pay $420 through the Initial Coverage period. He’d also pay $380 in the Coverage Gap (“doughnut hole”) where generics are covered. His total yearly cost would be $1,316—a savings of $1,584 from the $2,900 he was paying without prescription drug coverage. Keep in mind that Paul’s example is unique to his prescription situation and everyone’s situation is different. If you’d like to model your potential savings based on your unique prescription situation, I can do that for you.NOTES TO SPEAKER: ARE YOU LIKE PAUL? Paul is 70 years old. He takes four prescriptions every month (three generics and one brand name drug). He has original Medicare Parts A and B. He does not qualify for any financial assistance for prescriptions and does not have prescription coverage. He pays about $2,886 every year for his medications. Paul compared the savings from enrolling in CIGNATURE Rx Plans. For the Value Plan, Paul would pay a monthly premium of $24 ($288 per year), would pay a $265 deductible on the brand drug (generics are $0 even through the deductible period), and would pay $180 through the Initial Coverage period. He’d also pay $480 in the Coverage Gap (“doughnut hole”) meaning his total yearly cost would be $1,213—a savings of $1,687 from the $2,900 he was paying without prescription drug coverage. For the Plus Plan, Paul would pay a monthly premium of $33 ($396 per year), would pay no deductible—coverage begins immediately—and would pay $420 through the Initial Coverage period. He’d also pay $480 in the Coverage Gap (“doughnut hole”) meaning his total yearly cost would be $1,296—a savings of $1,604 from the $2,900 he was paying without prescription drug coverage. For the Complete Plan, Paul would pay a monthly premium of $43 ($516 per year), would pay no deductible—coverage begins immediately—and would pay $420 through the Initial Coverage period. He’d also pay $380 in the Coverage Gap (“doughnut hole”) where generics are covered. His total yearly cost would be $1,316—a savings of $1,584 from the $2,900 he was paying without prescription drug coverage. Keep in mind that Paul’s example is unique to his prescription situation and everyone’s situation is different. If you’d like to model your potential savings based on your unique prescription situation, I can do that for you.

27. 27 Benefits of CIGNATURE Rx Cost. Three Simple and Affordable Plans Value Plus Complete Convenience. Extensive National Pharmacy Network More than 55,000 retail pharmacies, including major chains coast-to-coast Coverage. Four-tier, Open Formulary Includes nearly all prescription medications* Comfort. Personalized Customer Service Knowledgeable representatives available to assist you A health care provider with more than 80 years of experience NOTES TO SPEAKERS: Now that we’ve reviewed the three CIGNATURE Rx plans, let’s review these four important factors and see how CIGNATURE Rx fits in: Cost Convenience Coverage ComfortNOTES TO SPEAKERS: Now that we’ve reviewed the three CIGNATURE Rx plans, let’s review these four important factors and see how CIGNATURE Rx fits in: Cost Convenience Coverage Comfort

28. 28 How to Enroll Enroll Today! Call [1-800-XXX-XXXX] Online through your broker Mail your enrollment form to: CIGNATURE Rx, P.O. Box 269005, Weston, FL 33326 Fax your completed form to: [1-800-XXX-XXXX] NOTES TO SPEAKERS: We hope this presentation as helped you better understand Medicare Prescription Drug Plans – and possibly decide which plan is right for you. Your next step will be to enroll in a plan. If you’re considering CIGNATURE Rx, you have some choices. If you’re ready, a representative can help you enroll today. Or you can call CIGNATURE Rx directly and a representative will help you enroll. We also have enrollment forms available in the information guide. You may complete this form and either mail or fax it to CIGNATURE Rx. You also can visit our web site – another way to learn more about us – and print an enrollment form off the site.NOTES TO SPEAKERS: We hope this presentation as helped you better understand Medicare Prescription Drug Plans – and possibly decide which plan is right for you. Your next step will be to enroll in a plan. If you’re considering CIGNATURE Rx, you have some choices. If you’re ready, a representative can help you enroll today. Or you can call CIGNATURE Rx directly and a representative will help you enroll. We also have enrollment forms available in the information guide. You may complete this form and either mail or fax it to CIGNATURE Rx. You also can visit our web site – another way to learn more about us – and print an enrollment form off the site.

29. 29 Resources CIGNA Member Service 1-800-222-6700 (TTY/TTD users call 1-800-322-1451 ) 8 a.m.- 8 p.m., local time, 7 days www.cignature-rx.com Medicare 1-800-MEDICARE www.medicare.gov Social Security Administration 1-800-772-1213 for Extra Help (TTY/TDD users call 1-800-325-0778) www.ssa.gov NOTES TO SPEAKERS: If you have additional questions or would like some more information, here are some additional web site resources for you.NOTES TO SPEAKERS: If you have additional questions or would like some more information, here are some additional web site resources for you.

30. Thank you for your interest in CIGNATURE RxMedicare Prescription Drug Plans NOTES TO SPEAKERS: Thank you for taking the time today, to learn more about CIGNATURE Rx. Now we’d like to answer your questions and, if you are ready, help you enroll.NOTES TO SPEAKERS: Thank you for taking the time today, to learn more about CIGNATURE Rx. Now we’d like to answer your questions and, if you are ready, help you enroll.