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ABC Organizationname and/or logo

HSA-Qualified Health Plan from CIGNA

12/0612/06

CUSTOMIZETHIS SLIDE

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You bought health care the way you buy groceries?

You would:

Insist on quality and value

Look for the best price

Have easy access to information to help you decide what care is right for you

What if...

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CIGNA can help you...

Find the highest quality providers– The CIGNA Open Access Plus network offers discounts from

more than 520,000 physicians and health care providers and over 8,800 hospitals and healthcare facilities nationwide

Learn how to make the most of your patient/doctor relationship

Make informed decisions about your care

Use your plan as more than just a safety net in case of illness or injury

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Today’s Discussion

CIGNA HSA-qualified health plan components

How it works

Tools and resources

Why an HSA-qualified plan from CIGNA

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Key Components Working Together

An HSA-Qualified Health Plan Provides Protection

• Meet the deductible• Coinsurance• Annual out-of-pocket maximum • 100% preventive care coverage

A Tax-Exempt Savings Account

• Open an account with JPMorgan Chase (www.chase.com/hsa) or choose your own bank

• Set aside pre-tax dollars that you own (up to annual federal limits)

• You choose when to use your HSA for qualified expenses (medical, pharmacy, dental, other)

• Balances remain at the end of the year

• Earn interest tax-free• Possible investment options• Possible debit card and check

book options

100

% P

reve

nti

ve C

are

The Health Plan

100%Coverage

CIGNA Health Plan

(coinsurance)

Deductible

$Health Savings Account

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Health Savings Account (HSA) Investment Options Through JPMorgan Chase

Tax-free growth of interest earnings

Multiple mutual funds to choose from (optional)– $2,000 minimum in HSA to invest– Allocate into any or all funds

Nominal monthly participant fee from JPMorgan Chase– No additional fees for online trading– Trading fee of $10 if completed over the phone

Track your balance online or with convenient monthly statements

Optional Slide

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Two Important Things Before We Move On

If you select the CIGNA HSA-qualified plan and open an HSA:

You cannot have other health coverage (such as that provided by spouse’s company) unless it is a federally qualified plan and compatible with an HSA.

You cannot be eligible to be claimed as someone’s dependent on their tax return.

2007 Maximum HSA Contributions: the lesser of

Your health plan deductible, or

Individual: $2,850 / Family $5,650

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Your deductible and coinsurance costs are typically less when you visit in-network providers.

ABC Organization – Option One

EMPLOYEE

Health Plan* 10%/30%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

*

EMPLOYEE & FAMILY

Deductible* $2,000/$4,000

100% Coverage

Health Plan*10%/30%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

*

Deductible* $4,000/$8,000

100% Coverage

PLAN ONE

$4

,00

0/$

12

,00

0

*In-/Out-of-network Coverage Level

$8

,00

0/$

24

,00

0

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ABC Organization – Option Two

EMPLOYEE

Health Plan*10%/30%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

EMPLOYEE & FAMILY

Deductible* $2,500/$5,000

100% Coverage

Health Plan*10%/30%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

Deductible* $5,000/$10,000

100% Coverage

PLAN TWO

Your deductible and coinsurance costs are typically less when you visit in-network providers.

$5

,00

0/$

15

,00

0

*In-/Out-of-network Coverage Level

$1

0,0

00

/$3

0,0

00

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ABC Organization – Option Three

EMPLOYEE

Health Plan*10%/30%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

EMPLOYEE & FAMILY

Deductible* $3,000/$6,000

100% Coverage

Health Plan*10%/30%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

Deductible* $6,000/$12,000

100% Coverage

PLAN THREE

Your deductible and coinsurance costs are typically less when you visit in-network providers.

$5

,25

0/$

18

,00

0

*In-/Out-of-network Coverage Level

$1

0,5

00

/$3

6,0

00

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ABC Organization – Option Four

EMPLOYEE

Health Plan*0%/20%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

EMPLOYEE & FAMILY

Deductible* $3,000/$6,000

100% Coverage

Health Plan*0%/20%

Pre

ven

tive C

are

10

0%

Ou

t-of-

Pocket

Maxim

um

Deductible* $6,000/$12,000

100% Coverage

PLAN FOUR

Your deductible and coinsurance costs are typically less when you visit in-network providers.

$4

,00

0/$

12

,00

0

*In-/Out-of-network Coverage Level

$8

,00

0/$

24

,00

0

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An Ounce of Prevention . . . and Then Some

100% coverage for preventive care from in-network providers

What is Preventive Care?– Screening tests or interventions provided, when no

symptoms are present, to people at general risk in the population to detect or prevent a common or targeted condition

Preventive care tests are recommended based on age, gender, family history and health status

Take charge and schedule a preventive care visit

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When You Need Prescription Drugs

Retail Pharmacy(30-Day Supply)

Your Share*

Mail-Order(90-Day Supply)

Your Share*

Generic 30% 30%

Preferred Brand 40% 40%

Non-Preferred Brand 50% 50%

*After you meet your deductible.

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Two cards for your medical and financial needs

Show your ID card to your provider when you receive care.

Use your debit card to access your HSA funds (as provided by your bank)

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CIGNA HealthCare

Using Your CIGNA HSA-Qualified Plan Step 1 - Select a CIGNA participating provider*

Step 2 - Present your CIGNA ID Card

Step 3 - Your provider’s office bills CIGNA

Step 4 – CIGNA receives the bill and determines what you owe

Step 5 - CIGNA sends you an Explanation of Benefit (EOB), including:– Amounts CIGNA paid to your provider– Any amount you owe your provider

Step 6 – You decide how to pay your share: with your HSA or out of your pocket.

Step 7 – You can track your claim through myCIGNA.com and your EOBs. – If you select JPMorgan Chase for your HSA, you can track your HSA

transaction and balance information through monthly statements provided by Chase, or by linking to the Chase website from myCIGNA.com.

*Non-participating providers may require you to file claims.

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Using Your HSA at the Pharmacy

Step 1 - Select a CIGNA HealthCare participating pharmacy*

Step 2 – The pharmacy processes your claim and determines how much you owe

Step 3 – You decide how to pay your share: with your HSA or out of your pocket.– If you open an account with JPMorgan Chase you may use your

JPMorgan Chase Visa® debit card or checkbook to pay for the expense from your HSA.

*Benefits apply only with participating pharmacies.

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Meet TracyTracy is married and in her late 30s. She and her husband are starting a family, so she has a new focus on health.

She’s concerned about managing her diabetes during her pregnancy.

Her CIGNA HSA-qualified plan includes:

HSA (with her $500 contribution) $ 500

Family deductible (in-network) $ 4,000

Coinsurance (in-network) 10%

Family out-of-pocket maximum (in-network) $ 8,000

Plan One

Pharmacy benefits are part of her CIGNA health plan

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Pre

ven

tive C

are

10

0%

How Claims are Paid $8,280 HSA used toward deductible - 500

$7,780Tracy’s remaining deductible -3,500 $4,280

Health Plan Coverage (90%) $3,852Tracy’s Coinsurance (10%) $428

What a Year Looks Like for Tracy

Preventive Care Annual exam, screenings, $376 Flu shotCovered 100%; no cost to Tracy

Out-of-Pocket $3,500

HSA$500D

ed

ucti

ble

$4,0

00

HSA DepositsBy Tracy $500Medical ExpensesDiabetes (MD visits & meds) $2,180Pregnancy/delivery 6,100TOTAL $8,280

100% Coverage

Ou

t-of-

Pocket

Maxim

um

$ 8

,00

0

Coinsurance $428

Health Plan Coverage

$3,852

Plan One

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Meet TracyTracy is married and in her late 30s. She and her husband are starting a family, so she has a new focus on health.

She’s concerned about managing her diabetes during her pregnancy.

Her CIGNA HSA-qualified plan includes:

HSA (with her $500 contribution ) $ 500

Family deductible (in-network) $ 5,000

Coinsurance (in-network) 10%

Family out-of-pocket maximum (in-network) $ 10,000

Plan Two

Pharmacy benefits are part of her CIGNA health plan

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How Claims are Paid $8,280 HSA used toward deductible - 500

$7,780Tracy’s remaining deductible -4,500 $3,280

Health Plan Coverage (90%) $2,952Tracy’s Coinsurance (10%) $328

What a Year Looks Like for Tracy

Preventive Care Annual exam, screenings, $376 Flu shotCovered 100%; no cost to Tracy

HSA DepositsBy Tracy $500Medical ExpensesDiabetes (MD visits & meds) $2,180Pregnancy/delivery 6,100TOTAL $8,280

Plan Two

Pre

ven

tive C

are

10

0%

Out-of-Pocket $4,500

HSA$500D

ed

ucti

ble

$5,0

00

100% Coverage

Ou

t-of-

Pocket

Maxim

um

$1

0,0

00

Coinsurance $328

Health Plan Coverage

$2,952

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Meet TracyTracy is married and in her late 30s. She and her husband are starting a family, so she has a new focus on health.

She’s concerned about managing her diabetes during her pregnancy.

Her CIGNA HSA-qualified plan includes:

HSA (with her $500 contribution ) $ 500

Family deductible (in-network) $ 6,000

Coinsurance (in-network) 10%

Family out-of-pocket maximum (in-network) $ 10,500

Plan Three

Pharmacy benefits are part of her CIGNA health plan

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How Claims are Paid $8,280 HSA used toward deductible - 500

$7,780Tracy’s remaining deductible -5,500 $2,280

Health Plan Coverage (90%) $2,052Tracy’s Coinsurance (10%) $228

What a Year Looks Like for Tracy

Preventive Care Annual exam, screenings, $376 Flu shotCovered 100%; no cost to Tracy

HSA DepositsBy Tracy $500Medical ExpensesDiabetes (MD visits & meds) $2,180Pregnancy/delivery 6,100TOTAL $8,280

Plan Three

Pre

ven

tive C

are

10

0%

Out-of-Pocket $5,500

HSA$500D

ed

ucti

ble

$6,0

00

100% Coverage

Ou

t-of-

Pocket

Maxim

um

$ 1

0,5

00

Coinsurance $228

Health Plan Coverage

$2,052

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Meet TracyTracy is married and in her late 30s. She and her husband are starting a family, so she has a new focus on health.

She’s concerned about managing her diabetes during her pregnancy.

Her CIGNA HSA-qualified plan includes:

HSA (with her $500 contribution ) $ 500

Family deductible (in-network) $ 6,000

Coinsurance (in-network) 0%

Family out-of-pocket maximum (in-network) $ 8,000

Plan Four

Pharmacy benefits are part of her CIGNA health plan

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How Claims are Paid $8,280 HSA used toward deductible - 500

$7,780Tracy’s remaining deductible -5,500 $2,280

Health Plan Coverage (100%) $2,280Tracy’s Coinsurance (0%) 0

What a Year Looks Like for Tracy

Preventive Care Annual exam, screenings, $376 Flu shotCovered 100%; no cost to Tracy

HSA DepositsBy Tracy $500Medical ExpensesDiabetes (MD visits & meds) $2,180Pregnancy/delivery 6,100TOTAL $8,280

Plan Four

Pre

ven

tive C

are

10

0%

Out-of-Pocket $5,500

HSA$500D

ed

ucti

ble

$6,0

00

100% Coverage

Ou

t-of-

Pocket

Maxim

um

$ 8

,00

0

Coinsurance $0

Health Plan Coverage

$2,280

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Support and Resources

Easy access to care since no referrals are needed

The provider directory on myCIGNA.com helps her find an OB/GYN

Personal contact with a Well Aware Advisor helps her manage her diabetes and her pregnancy

Personalized messages on myCIGNA.com help her monitor her progress and continue to focus on her health

CIGNA supports Tracy in a number of ways

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Support Continues Throughout the Year

Toll-free member service line 1.800.CIGNA24

CIGNA HealthCare 24-Hour Health Information LineSM

– Round the clock access to registered nurses

Healthy Rewards® — discounts on laser vision correction, weight management, smoking cessation and more

EOBs to help track claim transactions – Monthly Statements from JPMorgan Chase (other banks may

vary)

Online Well-Being newsletter on myCIGNA.com

Award-winning personal member website, myCIGNA.com

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Review benefit coverage levels

Track your account balance, claims and payments

Support for your important health decisions

Cost and quality information

Get personalized messages

myCIGNA.com, Your Personal Secure Website

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Health Quotient by WebMD available at myCIGNA.com

Secure, confidential health assessmentCompares your health with others in your age and gender groupShows areas of greatest opportunityOffers information and tips to improve health

A Quick Way to Check Your Health Status

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Prescription Cost InformationPharmacy-specific Pricing

Learn what you will pay at local retail pharmacies or CIGNA Tel-Drug and compare prices

Displays generic equivalent, if available

Friendly Pharmacy123 Main StreetAnytown, ST 00000(999) 555-1234

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Compare Hospital Cost and QualityIdentify CIGNA Centers of Excellence

19 conditions rated

1 – 3 star rating system

3 Stars = Center of Excellence

Ratings based upon HealthShare plus CIGNA data

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100% Preventive

Care

No PCPs or ReferralsRequired

A Tax-advantaged Account You

Own

Rollover Unused Funds

Cost & Quality

Comparison Information

Above and Beyond the Usual Health Benefit

Lower costs when using

CIGNA providers

Single ID card for

medical and drugs

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“CIGNA” and “CIGNA HealthCare” refers to various operating subsidiaries of CIGNA Corporation. Products and services are provided by these subsidiaries and not by CIGNA Corporation. These subsidiaries include Connecticut General Life Insurance Company, Tel-Drug, Inc. and its affiliates, CIGNA Behavioral Health, Inc., Intracorp, and HMO or service company subsidiaries of CIGNA Health Corporation and CIGNA Dental Health, Inc.

In Arizona, HMO plans are offered by CIGNA HealthCare of Arizona, Inc. In California, HMO plans are offered by CIGNA HealthCare of California, Inc. In Virginia, HMO plans are offered by CIGNA HealthCare of Virginia, Inc. and CIGNA HealthCare Mid-Atlantic, Inc. In North Carolina, HMO plans are offered by CIGNA HealthCare of North Carolina, Inc. All other medical plans in these states are insured or administered by Connecticut General Life Insurance Company.

12/06 ©2006 CIGNA