Health care coverage options for your Medicare-eligible employees backed by one of the most trusted names in health care coverage. Senior.

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1 Health care coverage options for your Medicare-eligible employees backed by one of the most trusted names in health care coverage Senior A Medicare Complementary Coverage offering a full range of health care benefits and services. PPO A Medicare Advantage Plan offering a choice of comprehensive managed care plans with PCP coordinated care. A Medicare Advantage Plan offering a comprehensive standard plan with the freedom to see any physician.

2 Choose the plan that works for you Capital BlueCross Medicare plans provide all of the key features you are looking for. We provide our customers with the best value in health care coverage and complementary services. With a Capital BlueCross Medicare plan, your retirees gain access to our broad provider network and quality customer service. Simply choose a plan for your Medicare-eligible retirees/employees that is right for your business. Our flexible participation requirements mean that our Medicare Advantage plans are available to group customers with at least two Medicare-eligible enrollees 1. And, if you have only one eligible member, you can still select from our Senior program offering. Your Capital BlueCross account executive is here to help you find a program that best fits your needs. You can trust Capital BlueCross to provide the service you and your retirees deserve. With program options featuring PCP coordinated care to plans that give the retiree freedom to choose any provider 2, you can count on us. We ve worked hard to keep pace with all of the recent changes in Medicare. Since 1938, Capital BlueCross has served employers right here in Central Pennsylvania and the Lehigh Valley. We are committed to meeting your special health insurance needs no matter what changes Medicare may bring. Do you have more than 100 enrolled Medicare-eligible members? Group clients who have 100 or more Medicare-eligible enrolled members have the option of choosing from our standard plan designs or customizing a plan design to meet your needs. Your account executive has the expertise to assist you in creating a program that meets your unique business needs. Call today for a consultation. 1 Group customers with 2-99 Medicare-eligibles choose from our standard plan designs. 2 Using network providers reduces out-of-pocket expenses.

3 Senior* Medicare Complementary Coverage Our Senior programs provide group customers with benefit designs for eligible group members who are enrolled in Medicare Parts A and B (hospital and physician insurance programs). Senior programs complement Medicare by providing additional benefits to the services covered by original Medicare. A full range of health care benefits and services is available on an integrated basis through the Capital BlueCross family of companies. Benefit Highlights** Medicare Covers Senior Program Pays Medicare deductibles and coinsurance vary and will be based upon the program limits in effect on the date of service. Medicare Part A Services Inpatient Hospital Care Semi-private room and board General nursing services Operating and recovery room costs Intensive care Drugs Laboratory tests X-rays Blood All necessary medical services and supplies First 60 Days, minus deductible 61st to 90th day, minus coinsurance/day 91st to 150th day, minus lifetime reserve/day Beyond 150 days (lifetime reserve), not covered Deductible Coinsurance/day Lifetime reserve/day Additional 365 days of coverage of which 30 days can be used for inpatient mental illness Skilled Nursing Facility Care (SNF) Includes rehabilitation services Medicare Part B Services Outpatient Hospital Services Outpatient hospital services and supplies (including emergency room visits and therapy services); EXCEPT physician services Professional Provider Services Physician medical and surgical services Ambulance transportation Diagnostic X-ray Laboratory services Pathology Medical supplies Anesthesia Prescription Drug Services Retail Prescription Drugs (per prescription) 30-day supply Mail Service Drugs (per prescription) 90-day supply Calendar year benefit (combination of retail and mail order) First 20 days, 100% of costs 21st to 100th day, minus SNF coinsurance/day Beyond 100 days, not covered Medicare charges after the Part B calendar year deductible is paid 80% of Medicare charges after the Part B calendar year deductible is paid SNF coinsurance/day No additional coverage Medicare charge coinsurance and Part B calendar year deductible if applied by Medicare 20% of Medicare charges after the Part B calendar year deductible is paid *Programs are subject to change. Senior is a group Medicare complementary coverage made available by Capital Advantage Insurance Company, a wholly owned subsidiary of Capital BlueCross, to groups that wish to provide such coverage to their current or retired employees covered by Medicare. This coverage pays the deductible, coinsurance, and copayments included in Medicare Part A and hospital benefits supplementing Part B. Generally, the exclusions and limitations of Senior follow those of Medicare. **This information highlights Senior benefits and is not intended to be a complete list or complete description of available services. Contact your employer, marketing representative, or broker for additional benefit details. Medicare contractors process and pay hospital, physician, and other bills on behalf of Medicare. Although arrangements have been made with selected Medicare contractors to submit adjudicated claims directly to Capital BlueCross for processing of supplemental benefits, members may still have to submit claim forms directly to Capital BlueCross.

4 Another Choice for Groups with Medicare-Eligible Members: Medicare Advantage Programs for 2006 We are pleased to provide our clients with a choice of Medicare Advantage benefit programs that incorporate new federal requirements established for Medicare prescription drug coverage (Medicare Part D). Our Medicare Advantage plans are offered under contract with and authorized by the Centers for Medicare and Medicaid Services (CMS), the federal agency responsible for Medicare. Choose from either HMO or PPO Medicare Advantage plan designs. Our and PPO programs provide all of the coverage physician, facility, and prescription drug in one place while eliminating the need to purchase a separate Medicare Part D Prescription Drug Plan.* provides a variety of copayment options for various types of medical services, resulting in a choice of program options. The program can be combined with a choice of prescription drug program designs. PCP Selection Freedom to choose a Primary Care Physician from our broad network of physicians. Preventive Benefits Easy access to health education programs and preventive health information including self-referral to a network provider for annual routine women s services. A History of Success With consistently low out-of-pocket expenses and virtually no paperwork to fill out or submit, is a popular, well established program boasting a decade of service in Central Pennsylvania. * A no Rx option is available for employers who choose to apply for a Medicare Part D subsidy.

5 Medicare Advantage Programs for Group Clients Medicare Eligible Member Responsibility Medical Services HMO* Option A HMO* Option B HMO* Option C HMO* Option D PPO** PCP Office Visit Copayment $5 $10 $10 $10 $20 Specialist Office Visit Copayment $10 $10 $10 $30 $20 Emergency Room Copayment (waived if admitted) $25 $50 $50 $50 $50 Hospital Admission Copayment $0 $0 $150 $500 $250 Chiropractic Services Copayment $10 $10 $10 $30 $20 Podiatry Copayment $10 $10 $10 $30 $20 Ambulance $0 $0 $0 $75 $50 SNF (Skilled Nursing Facility) $0 $0 $25/day $50/day $25/day Outpatient Services/Surgery $0 $0 $0 $100 $50 Outpatient Rehabilitation Services $0 $0 $0 $30 $20 Durable Medical Equipment Coinsurance 0% 0% 20% 30% 20% Pap Smear/Pelvic Examination $0/$10 $0/$10 $0/$10 $0/$10 $0/$20 PPO PPO provides one standard medical benefit design that can be paired with a prescription drug program that meets Medicare Part D requirements. Prescription Drug PPO provides prescription drug benefits for medications received from either a retail pharmacy or through our preferred mail-order pharmacy. Preventive Benefits We understand that preventive care is an important part of maintaining health. That s why PPO provides coverage for preventive care such as routine physicals and flu shots. Simple, Easy-to-Use With PPO, there are virtually no claim forms to file. Members can see any provider they choose (they may face higher out-of-pocket expenses for using non-plan providers). Referrals are not required, however, certain services do require preauthoriztion. and PPO bring you a broad network of providers, quality health care, and coverage that goes beyond original Medicare including simple, easy-to-use prescription drug programs, and preventive benefits. Programs are subject to change and may require approval from the Centers for Medicare and Medicaid Services (CMS). Generally, the exclusions and limitations of the Medicare Advantage programs follow those of Medicare (i.e., Medicare Part A and Medicare Part B). This information highlights program benefits and is not intended to be a complete list or description of available services. * HMO programs are issued by Keystone Health Plan Central. ** PPO programs are issued by Capital Advantage Insurance Company.

6 PPO Medicare Prescription Drug Standard Plan Design Annual Deductible $250 Next $2000 of Rx charges (or first $2,250 for plans with $0 deductible) Member pays 25% Plan pays 75% and PPO for Gro Option I Option II Available with and PPO $0 $0 $ 4 Generic $30 Preferred $ 10 Generic $ 75 Preferred $ 4 Generic $30 Preferred $ 10 Generic $ 75 Preferred Benefits paid up to $2,250 Costs between $2,250 and $5,100 (soimes referred to as the Donut Hole ) Member pays 100% until True Out-of-Pocket Costs * Member pays 100% until True Out-of-Pocket Costs $ 4 Generic $30 Preferred $ 10 Generic $ 75 Preferred Member pays copayments and coinsurance until True Out-of-Pocket Costs Catastrophic Limit *True Out-of-Pocket: Medicare Part D catastrophic benefit begins when True Out-of-Pocket reaches $3,600. Programs are subject to change and require approval from the Centers for Medicare and Medicaid Services (CMS). Generally, the exclusions and limitations of the prescription drug benefit follow Medicare (i.e., Medicare Part D) guidelines. This information highlights program benefits and is not intended to be a complete list or description of available services. HMO programs are offered in Berks, Centre, Columbia, Cumberland (excluding ZIP Codes 17240, 17241, 17257, and 17266), Dauphin, Juniata, Lehigh, Mifflin, Montour, Northampton, Northumberland, Perry, Schuylkill, Snyder, and Union counties.

7 Compared with the Medicare Standard Plan Design, it s easy to see the advantages with and PPO. Prescription Drug Benefit Designs p Clients Option III Option IV Available with $200 $200 $ 3 Generic $20 Preferred $ 7.50 Generic $ Preferred Benefit paid up to $2,250 $ 3 Generic $20 Preferred $ 7.50 Generic $ Preferred Member pays 100% until True Out-of-Pocket Costs PPO programs are available in the Capital BlueCross 21-county service area (Adams, Berks, Centre, Columbia, Cumberland, Dauphin, Franklin, Fulton, Juniata, Lancaster, Lebanon, Lehigh, Mifflin, Montour, Northampton, Northumberland, Perry, Schuylkill, Snyder, Union, and York counties). $ 3 Generic $20 Preferred $ 7.50 Generic $ Preferred Member pays copayments and coinsurance until True Out-of-Pocket Costs Standalone Medicare Part D Options are available Capital BlueCross has made arrangements with a local vendor to provide a CMS-approved prescription drug program to employers. Call for more information.

8 For more information, contact your account executive, or call: (TTY) A Capital BlueCross Company Health care benefit programs issued or administered by Capital BlueCross and/or its subsidiaries, Capital Advantage Insurance Company and Keystone Health Plan Central. Independent licensees of the Blue Cross and Blue Shield Association. Communications issued by Capital BlueCross in its capacity as administrator of programs and provider relations for all companies. NF-299 (5/2006)