GlidePath:BCBSM’s Private Exchange Solution

Why GlidePath?

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It satisfies both employer and employee needs,while providing predictability, choice, and control.

GlidePath Current State

Over 10,000 Michigan residents are using the GlidePath platform!

Seven active groups – 5,500 members Two retiree groups – 4,900 members

Who is eligible for GlidePath?

During Focused Release phase, fully insured and self-funded active

groups, 51+ FTEs

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2013 – 5 Product Families

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Premium Costs HighLow

Low

High

Cove

rage

2014 Product FamiliesMenu A* Coinsurance OOPM PCP OV/SPEC OV/UC/ER

PPO HMO Simply Blue 1000 BCN 1000 20% $3,500 30/50/60/150

Simply Blue HSA 1250 BCN HSA 1250 20% $2,250 80% after in-network deductible, with 20% coinsurance

Simply Blue 2500 BCN 2500 20% $5,000 30/50/60/150

Simply Blue HSA 3000 BCN HSA 3000 20% $4,000 80% after in-network deductible, with 20% coinsurance

Simply Blue 4000 BCN 4000 30% $6,350 30/50/60/150

Menu B*

PPO HMOSimply Blue 250 BCN 250 20% $1,750 20/40/60/150

Simply Blue 500 BCN 500 20% $2,000 20/40/60/150

Simply Blue 1000 BCN 1000 20% $3,500 30/50/60/150

Simply Blue HSA 1250 BCN HSA 1250 0% $2,250 N/A

Simply Blue HSA 2000 BCN HSA 2000 0% $3,000 N/A

PPO HMORx Option A 15/50/50%/20%/25% 4/15/40/80/20%/20%Rx Option B 10/40/80 10/40/80

Pharmacy Options:*2014 menu options are dependent on OFIR approval

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2014 Sponsored Dental and Vision Options

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Note: Sponsored Ancillary Options require a minimum monthly contribution. Dental: $15 - Vision: $3.75 - Both: $16.65 (This is a per subscriber contribution)

Vision:

Dental:

2014 Voluntary Dental and Vision Options

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Vision:

Dental:

GlidePath Process

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This process “engages” employees in the health

insurance buying decision

Significant GlidePath Results

66% of employees substantially “bought down” on the exchange

62% of employees took the GlidePath Decision Support survey

79% of members believe their enrollment experience is as good as

or better than last year

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Working with GlidePath Advisors

GlidePath Advisor

Available 8 am – 11 pm Eastern timeSeven Days a

Week!

Licensed

Individualized

Trusted

Customer- focused

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One-on-one support to navigate the health care system.

Consumer health care education and coaching

Staffed by registered nurses and other credentialed advisors

Available to the entire family, including parents

Resource for Employee Empowerment

The GlidePath™ Service Advantage

Employer

Selection

Employee

“Shopping”

Member

ServiceBroad nationwide provider networks

Neutral to agent and consulting partners

GlidePath AdvisorsOnline enrollment

system

Health Advocate™Customer Service

ProfessionalsWalk-in CentersAccess to best-in-

class providers nationwide

Delivering a best-in-class, high touch end-to-end customer experience from selection through utilization

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A Review of Our Experience With GlidePath

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• Two years of experience operating a private exchange serving Michigan Companies

• Provide stability before market introduction

• Satisfied group references