UnitedHealthcare

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• UnitedHealthcare
• Underwritten By Golden Rule

This presentation currently excludes the
marketing states of CT, DE, GA, KS, KY, LA
Strengthen your product portfolio with affordable
health insurance plans
Not For Consumer Use 36256-0606 All Gen 21 States
and Georgia
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Todays Agenda

• Evolution of Golden Rule, A United Healthcare
  Company
• Product Portfolio and Competitive Rate
  Comparisons
• Network Size and Strength
• Ease of Doing Business
• Value Added Benefits
• Setting Ourselves Apart From the Rest
• E-Store Online Quoting and Application
  Submission

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Why Golden Rule?

• Leader in the individual and family market
• Experience and expertise spans 60 years
• Pioneer of consumer driven health care solutions
• Strong financial ratings
• Rated A by A.M. Best
• Rated A by Standard Poor

These ratings are an indication of financial
strength and stability
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Resolving Claims

• Over 3.5 million claims processed in 2006!
• Over 14,000 claims processed per work day
• Over 2.2 million dollars paid out per
  work day!
• 90 are processed in 10 working days or less!
• 99 benefit accuracy rate!

Actual health claims results 2006
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Rate Reduction for New Business
Population gt 5 rate decrease 93.47
Population gt 10 rate decrease 35.49
Population gt 15 rate decrease 15.23
Pennsylvania 5 - 23
Michigan Up to 19
Illinois 5 15
Indiana 5 - 14
Maryland 10
Missouri 5
Iowa 5 - 7
Oklahoma 5 - 12
South Carolina Up to 7
Texas 5 20
Tennessee 14 - 15
Nebraska 5
Arizona 5 - 19
Ohio 5 - 18
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Top States By 2007 Production
Most Competitive
1 FL
2 GA
3 TX
4 OH
5 MI
6 MO
7 AZ
8 CO
9 PA
10 WI
11 MD
12 CT
13 VA
14 SC
15 NC
16 AL
17 LA
18 IL
19 TN
20 OK
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Product Portfolio
UnitedHealthcare, Underwritten by Golden Rule
Today were positioned to be your go-to-carrier
for all plan types in the individual health
market!

• Our goal is to provide you with a choice
• of health plans designed to fit your
• clients needs at a price they can afford.

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Health Savings Accounts (HSA)
Qualified HSA Plans give clients the option to
establish a Health savings Account

• HSA 100 Our comprehensive HSA
• HSA Saver More limited benefits and priced
  20-40 less

Optional Benefits Available with HSA Plans Optional Benefits Available with HSA Plans
5 Million Lifetime Maximum Benefit Term Life Benefit
Enhanced Preventive Care Benefits Package HSA Hospital Indemnity Rider
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HSA 100

• Who does the HSA 100 fit?
• Those who are willing to trade low deductible
  health insurance for
• higher deductible plans
• Those interested in saving money on premium
• Those who prefer comprehensive coverage
• Comprehensive Coverage
• 100 after the deductible for all covered
  expenses including
• Doctor office visits
• Rx coverage
• In hospital patient services
• Out patient services
• Preventive mammogram, Pap Smear, PSA Testing

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HSA Saver

• HSA Saver our most affordable HSA plan
• Priced 20-40 less than HSA 100
• Limited Coverage
• Outpatient doctor visits - not covered
• Outpatient Rx not covered
• Outpatient X-ray and lab
• (covered if within 14 days of surgery or
  confinement)
• Coverage provided for the more costly expenses
• Inpatient hospital
• Inpatient Rx
• Outpatient surgery, MRI, CAT Scan, chemotherapy,
  radiation treatment, hemodialysis
• Coverage provided for Preventive
• Mammogram, Pap Smear, PSA Testing

Same deductible choices as HSA 100
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Monthly Base Premium Comparison
HSA Saver (catastrophic) vs. HSA 100
(comprehensive)
Husband Wife, aged 40
Golden Rule Golden Rule
HSA 100 HSA Saver
5,800 Ded 100 5,800 Ded 100
156.86 122.55
Dublin, OH 430
21 Savings
Premium based on preferred health status, Rx
copay. Premium based on January 07 effective
date. Each plan has its own benefit design and
other characteristics not presented here. Not For
Consumer Use
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Exante Bank

• Wholly owned subsidiary of UnitedHealth Group
• Crediting 4 interest rate
• FDIC insured account balances
• Investment opportunities
• HSA pre-paid debit card or checkbook
• Easy online account management

Prompt customer service Exante Bank 866-234-8913
Rate as of 6/1/06 subject to change
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High Deductible Plans

• High Deductible Plans (non-HSA qualified)
• Plan 100 our simplest plan
• Plan 80SM similar to Plan 100 but with 80/20
  coinsurance
• Saver 80SM our most affordable plan

Optional Benefits Available with High Deductible Plans Optional Benefits Available with High Deductible Plans
5 Million Lifetime Maximum Benefit Term Life Benefit
Prescription Drug Card Benefit First-Dollar Accident Benefit
Enhanced Preventive Care Benefits Package Maternity Benefit
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High Deductible Plans

• Plan 100 - our simplest plan
• Choose a Plan Deductible
• 1,500, 2,500, 3,500, 5,000
• 100 after the deductible
• Doctor office visits
• Rx coverage
• Preventive care
• In hospital patient services
• Out patient services
• Max of two deductibles per family, per calendar
  year

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High Deductible Plans

• Plan 80SM - similar to Plan 100 but with 80/20
  coinsurance
• 15 - 25 less premium than Plan 100
• 80/20 to 15,000 coinsurance, then 100
• Same deductibles as Plan 100
• Saver 80SM our most affordable plan
• 30 - 40 less premium than Plan 100
• 80/20 to 15,000 coinsurance, then 100
• Limited Coverage
• Outpatient doctor visits - not covered
• Outpatient Rx not covered
• Coverage provided for the major (catastrophic)
  expenses

Plan 80 Deductibles 1500 2500 3500 5000
Saver 80 Deductibles 500 1000 1500
2500 3500 5000

• Hemodialysis, radiation, chemotherapy, and organ
  transplant drugs
• Surgeon, assistant surgeon and facility fees
• CAT Scans, MRIs
• Emergency room fees

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Monthly Base Premium Comparison
Husband Wife, aged 35 with two children
Sarasota, FL - 342
Golden Rule Golden Rule Golden Rule
Plan 100 Plan 80 Saver 80
2500 Deduct 100 2500 Deduct 80 / 20 2500 Deduct 80 / 20
262.79 228.39 175.97
1500 Deduct 100 1500 Deduct 80 / 20 1500 Deduct 80 / 20
323.39 279.17 213.65
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Premium based on preferred health status, Rx
copay. Premium based on January 08 effective
date.
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Copay Plans

• Copay Plans
• Copay SelectSM our most benefit rich plan with
  excellent preventive care benefits
• Copay SaverSM our most affordable copay plan

Optional Benefits Available with Copay Plans Optional Benefits Available with Copay Plans
5 Million Lifetime Maximum Benefit Term Life Benefit
Prescription Drug Card Benefit Buy-Up (Copay Select only) Two Additional Doctor Office Visits (Copay Saver only)
Maternity Benefit First-Dollar Accident Benefit
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Copay SelectSM
Copay SelectSM - Our benefit-rich copay plan with
excellent preventive care

• 35 doctor office copays regardless of
  deductible!
• Copay is unlimited
• General practitioner, specialist, urgent care
• Covers history and exam
• Core plan benefits remain the same regardless of
  deductible!
• Includes Rx copays regardless of deductible!
• Generic - 15 copay (no deductible)
• Name Brand - 100 per person deductible
• 30 preferred
• 60 non-preferred
• Annual maximum of 3,000 per insured (Optional
  Prescription Drug Benefit Buy-Up)
• Preventive care not subject to the plan
  deductible!

Copay SelectSM Deductibles 500 1000 1500 2500
5000
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Copay SelectSM Preventive Care

• Preventive Care Doctor Office Visit
• History and exam - 35 copay
• X-ray and Lab - 80 / 20 (not subject to
  deductible)
• 300 annual maximum per person
• Child Immunizations (ages 0-18)
• Vaccine - 80 / 20 (not subject to deductible)
• Separate 300 annual maximum per person
• Preventive mammogram, pap smear, PSA testing
• 80 / 20 (not subject to deductible)

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Copay SaverSM

• Copay SaverSM our most affordable copay plan
• Priced 20-30 less
• 35 doctor office copay
• Limited to 2 per person, per calendar year
• Optional buy-up to total of 4 visits
• 15 copay for Generic Rx (Brand name drugs not
  covered)
• Preventive Mammogram, pap smear, PSA testing 80
  / 20
• X-ray and lab are covered if performed within 14
  days of a surgery or confinement

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Monthly Base Premium Comparison
Copay SelectSM (comprehensive) vs. Copay SaverSM
(catastrophic)
Husband Wife, aged 35 with two children
Golden Rule Golden Rule
Copay SelectSM Copay SaverSM
5,000 Ded 80 / 20 5,000 Ded 80 / 20
351.26 273.69
Austin, TX - 787
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Premium based on preferred health status, Rx
copay. Premium based on January 08 effective
date. Each plan has its own benefit design and
other characteristics not presented here. Not For
Consumer Use
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Optional Benefits

• To Enhance Plans

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Enhanced Preventive Care Benefits Package
This optional benefit is available with all
plans except Copay SelectSM.
No waiting period
300 annual max on covered expenses
PSA testing, pap smear, mammography
35 copay per doctor office visit
Doctor office x-ray and lab covered at 100
Well care visits
Child (0-18) immunizations
Annual max does not apply
Primary care, OBGYN, etc.
Plan deductible is waived
Separate 300 annual max
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Prescription Drug Card Benefits

• Prescription Drug Card Benefit
• This optional benefit is available only with Plan
  100 and Plan 80SM
• Generic 15 copay
• Name-Brand Preferred 30 copay
• Name-Brand non-preferred 60 copay
• Name brand copay is after a 100 per person,
  calendar year deductible
• 3,000 annual maximum
• (If generic is available, name brand is
  reimbursed at generic price)
• Prescription Drug Card Benefit Buy-Up
• This optional benefit is available only with
  Copay SelectSM.
• Eliminates the 3,000 annual drug maximum

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Maternity Benefit
This optional benefit is available with all plans
except HSA plans
This benefit helps cover the costs for routine
pregnancy or delivery

• Client pays 20
• Golden Rule pays 80
• Graded benefit with a maximum of 7500

Years Covered Annual Maximum
1 2 2,500
3 4 5,000
5 7,500
Not available in AR, MD, NC, VA
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Optional Benefits

• 5 Million Lifetime Maximum Benefit
• Available with all plans
• Upgrades coverage to 5,000,000 per person

• Term Life Benefit
• Available with all plans
• Decreasing term life benefit
• Benefit payout based on primary insureds age at
  the time of death

Two Additional Doctor Office Visits
This optional benefit is available only with
Copay SaverSM

• Increases the number of copay doctor office
  visits from 2 to 4 per person, per year

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Optional Benefits
First Dollar Accident Benefit
This optional benefit is available will all plans
except HSA plans.

• Upfront coverage for unexpected injuries
• Treatment of an injury within 90 days of an
  accident
• Benefit choice of 500 or 1,000
• Plan deductible must be greater or equal to the
  
• benefit amount selected

Not available in VA Not available in NC
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Preferred Network

• UnitedHealthcare
• ChoicePlus

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UnitedHealthcare Choice Plus

• Expansive national network
• Owned by UnitedHealth Group
• Choice of network providers at all times
• Offers significant provider discounts
• Average network discount of 45
• Leverage strength of UnitedHealth Group
• Strength in numbers

UnitedHealthcare Choice Plus Network is not
offered with Golden Rule Health plans in all
states. Discounts vary by provider, geographic
location, and service provided
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Preferred Network Discounts
Sample doctor visit EOB
45 Discount
68.69
125.00
.
.
Discounts vary by provider, geographic location,
and service provided
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Preferred Network Discounts
Sample lab work EOB
90 Discount
34.39
357.75
.
.
Discounts vary by provider, geographic location,
and service provided
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Update Network
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Top 10 Health Plans Accepted by Office-Based Physicians Top 10 Health Plans Accepted by Office-Based Physicians
Health Plan Physicians Accepting
UnitedHealth 64.8
Blue Cross Blue Shield 64.3
Humana 52.3
Aetna 43.4
Cigna 39.6
Wellpoint 38.3
Wellcare 37.7
Medicare 27.3
Healthnet 17.8
Sierra 10.5
Source SKA Information Services, October 2007 Source SKA Information Services, October 2007
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Golden Rule
Eligibility and Underwriting
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Underwriting

• Its a new day the UnitedHealthcare way!
• Sound pricing data from actuaries on treatment
  and prescription costs
• Opportunity to issue apps with fewer riders
• Looking closely at plan design and deductible
  size
• Initiated auto-issue through E-Store
• Issue applications in 48 hours or less
• Application matches certain underwriting criteria

Actual health underwriting results February 2006
- not all applicants qualify
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Rate Classes (Broker Guide page 24)

• Preferred .90 61
• Preferred HW chart (Broker Guide page 25)
• No history of high blood pressure
• No medical exclusionary riders longer than one
  year
• Standard I 1.00 35
• Standard II 1.25 4
• Expanded height and weight table, to help accept
  more cases (Broker Guide page 25)
• Male 60 aged 45 max considered weight
• Was 257lbs
• Now 279lbs
• Female 56 aged 45 max considered weight
• Was 205lbs
• Now 228lbs

Guidelines button on the rating software will
help determine which health class status to quote
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Rate Classes (Broker Guide page 24)

• Elimination of the Tobacco Rate Class
• Relative tobacco surcharge based on Issue Age
  Rate Class

Issue Age Preferred Standard I Standard II
Under 40 1.20 1.35 1.60
40-54 1.30 1.55 1.80
55 1.50 1.65 1.90

• Elimination of Motorcycle Exclusion
• 20 individual rating in lieu of an exclusion
  rider will be applied during underwriting
• Added in underwriting if applicant has driven a
  motorcycle in the past 24 months

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Clearance Periods

• Atrial fibrillation 2 years
• Cancer depends on type
• Colon cancer 5 years
• Prostate cancer 2 years
• Epilepsy 1 year since last seizure
• Hyperthyroid 6 months
• Gastric Bypass 5 years and stable weight for at
  least 12 months

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Riders

• Increased deductible rider
• Example Controlled hypertension
• Increase overall deductible by 400
• Premium remains the same
• Hypertension is considered a covered expense

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Riders

• Option Two Temporary Rider
• Placed on a condition for a specific period
• Usually one to two years
• Premium remains the same
• Condition is not covered during rider period

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Preliminary Evaluation
Broker Service Center 800-474-4467 Select
prompt 1 for underwriting assistance

• Necessary information needed to effectively
  prescreen
• Age and gender
• Diagnosis and date
• Prescribed treatment, medications, and dosages
• Quick Response Prescreen
• Specialty Team
• Refer to underwriting manual
• Confer with underwriter
• Advise of underwriting opinion

• No guarantee of coverage. Final decision is up
  to underwriting at time of submission

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Service Standards

• We issue 83 of all applications
• 61 of applicants receive preferred rating class
• We handle all underwriting requirements
• Amendments
• HBQ questionnaires
• APS (when medical histories are unclear or
  complex)
• MIB reports
• Underwrite at time of application / telephone
• Certificates are mailed to you / I.D. cards are
  mailed to your client

Actual 2006 health underwriting results
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What Your Clients Can Expect

• Each individual listed on the application is
  underwritten separately
• Effective date of choice
• Premium modes
• Monthly bank draft (EFT)
• Direct quarterly billing
• Submit premium at time of application
• Premium is refunded if non-issue
• 12-month initial rate guarantee
• I.D. cards for certificates or policies are
  mailed directly to client

Subject to benefit or location change
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Golden Rule E-Store

• ESTORE

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E-Store Overview

• Available to all appointed brokers
• Offers convenient online access
• Creates a professional web presence
• Can reduce operating expenses
• Fast and efficient
• Can help grow your business

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E-Store Features

• Online quoting and application submission
• Quote archiving and application tracking
• Simple navigation to support your Golden Rule
  business
• Print all forms and brochures needed to write
  Golden Rule plans
• Check correspondence for lapses and re-rate
  notification
• Status of pending applications
• Download quoting software
• Network link for checking doctors and hospitals

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E-Store Online Quoting

• E-mail customized quote directly to client
• View quote
• Complete app and apply online
• Broker Assisted Application
• Assist client in completing majority of the app
• E-mail completed app to client for review and
  electronic signature
• Client submits to Golden Rule

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On E-Stores My New Business and My Block of
Business sections youll find

• Tracking by app number, name, paid to date, plan
  name, current billed premium, and more.
• Information on health class, ratings, riders,
  and premium.
• Details on dependents.

Visit www.goldenrulehealth.com/broker for full
details.
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Update E-Store improvements
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• My Book of Business

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Golden Rule

• Resources Training

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Resources

• Broker Service Center
• [phone]
• keybroker_at_goldenrule.com
• E-Store
• www.goldenrule.com
• National Key Broker Sales Manager
• Annette Dahlke
• [phone] Ext. 12312
• [phone] Direct line
• Annette.Dahlke_at_eams.com
• Webinars
• https//goldenrule.webex.com (no WWWs)
• www.goldenrule.com/OnDemand/OnDemand.shtml

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Why Choose Golden Rule?

• Our commitment to YOU and the individual health
  insurance market
• Best in Class Broker support
• UnitedHealthcare brand recognition and leadership
  
• Full range of health plans to fit your clients
  needs and budgets
• Ease of doing business
• Competitive rates!
• Strength of network for claims repricing
• Fast and flexible underwriting
• E-Store technology
• Continued training opportunities

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