The Choice of Successful Businesses

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1 The Choice of Successful Businesses

2 Discover Ultimate Health Every type of company has a select group of individuals who are ultimately responsible for the company s performance. They are the visionaries, the holders of critical client relationships or the leaders of important operations who move the company forward. Because these employees are vital to long-term success, businesses must make every effort to keep them happy with the right compensation and benefits package as well as productive and focused by protecting their health. Both of these goals can be accomplished with Ultimate Health by ArmadaCare. A supplemental fully-insured plan, Ultimate Health helps businesses provide their top talent with enhanced coverage and access to superior health care providers. Our 4-in-1 solution offers: When a key performer is ill, it also affects the health of the business. Now companies have a tool to help these executives get better and back to business. This has real bottom line impact. Keith Sullivan Co-Founder and Managing Partner Robust medical reimbursement VIP access to specialty physicians 24/7 access to Travel and Medical Emergency Support Coverage for and coordination of Executive Physicals The plan is available in 44 states excluding KS, WA, MT, VT, NH and CT.

3 The Ultimate Difference Ultimate Health is making a difference for all types of businesses large, small, for-profit and non-profit across all industries. These business leaders recognize the value of this plan as a: Gap Solution With this plan s flexibility, it is possible to implement a more cost-effective base plan while maintaining consistent health coverage for top talent. Since Ultimate Health is a fully insured and excepted supplemental plan, it is not subject to nondiscrimination and other rules. Plus, the plan is backed by A+ rated carriers.* Financially Compelling Benefit As a fully insured supplemental plan, Ultimate Health s premiums may be tax deductible to the corporation and the benefits received non-taxable to the enrolled participant. That means financial leverage for your company and compensation value for your key people. Total Rewards Enhancement Attracting and retaining top talent is becoming more and more difficult. Many businesses fuel their Total Rewards package with this plan because it is a cost effective way to reward employees with a proven high value benefit. Insured by Transamerica Financial Life Insurance Company and Monumental Life Insurance Company both are rated by A. M. Best as A+ (Excellent, 2 out of 16 categories) as of 4/13/12 This is not local, state or federal tax advice. It is recommended that you seek the independent counsel of a professional tax advisor. See section 105(h).

4 Medical Reimbursement: Expanded Coverage Ultimate Health is designed to fill the growing gaps in primary coverage, providing reimbursement for a broad range of health care expenses, such as: Out-of-network balance bills Brand name prescriptions Extensive dental procedures Corrective vision surgery Other flex-type expenses Medical plan gaps Rapid Reimbursement We take special care to ensure the reimbursement process is simple, convenient and catered to our members busy lifestyle. The claims process is directly between us and each member, allowing us to provide rapid reimbursement with average turnaround times between 5 to 7 business days. Prescription MasterCard The plan includes a Prescription MasterCard for added convenience. With this swipe-and-go prepaid card, members receive immediate reimbursement for all prescription co-pays and even for prescriptions that aren t covered by their primary health care plan.

5 Access and Advice to Achieve the Best Care Our clinical support services, Armada HealthConnections SM, enable our members to access the most experienced specialists so they can have the best care and outcome possible. At the core of our clinical support service suite are our ArmadaSelect SM Specialty Physicians: a world-class, by-invitation-only selection of medical and surgical specialists. Our world-renowned medical leadership identifies potential specialists for our community using a rigorous, multifaceted review process. Their multiple levels of review provide a discerning way to locate the best, most experienced specialists in virtually every specialty and sub-specialty. Finding the specialist or sub-specialist with the greatest experience and expertise in treating a member s specific condition is vital to achieving the best outcome.

6 Unparalleled Health Advisory Services Through our ArmadaSelect SM Specialty Physicians, we offer: Clinical Navigation: We objectively identify and match members with the most appropriate specialty physician for their particular medical need based on their unique condition and personal preferences. Facilitated Access: Because of our existing relationships with these top physicians, we help our members gain special access with appointment times that are typically weeks or even months sooner. Virtual Second Opinions: Our members can tap into the leading minds in medicine the very doctors who have pioneered innovative treatments for their condition or who are world authorities in their field. Medical Intelligence: Our members can contact us for the latest information on their condition so they are well prepared to ask informed questions about their care.

7 Travel and Medical Emergency Support: 24/7 Protection Around the Globe Ultimate Health protects members when they travel for business or pleasure more than 100 miles from home. The fully paid medical air evacuation service will transport any member who is hospitalized while traveling to a hospital closer to home.* This benefit is in addition to the plan s annual maximum family coverage maximum. Additional services include: Global medical and dental referrals for emergency or urgent care Facilitation of hospital payments to ensure access to local care Delivery arrangement for medication, corrective lenses, vaccines or blood Emergency travel arrangements Travel Portal Members can access a Travel Portal that provides extensive medical and security information about virtually every destination. The portal includes translation tools, immunization requirements and a place where they can create a secure medical history profile. This helps members plan safe trips and have vital information on hand as they travel the world. *Emergency medical evacuation is available when traveling 100 miles or more from home. Subject to FrontierMEDEX terms and conditions.

8 Executive Physicals: Preventive Protection Ultimate Health includes coverage toward Executive Physicals because these comprehensive evaluations are a powerful tool to benchmark current health and outline areas for improvement. These top-to-toe evaluations offer a comprehensive view of a member s health through various tests, such as extensive blood work, EKG for signs of heart disease, as well as screenings for skin cancer, diabetes, vision and hearing. The physical often concludes with a review of available exam results, as well as recommendations for follow-up care, procedures and lifestyle changes. Ultimate Health provides reimbursement for Executive Physicals to members and their spouses up to the stated plan benefit limits, which ranges from $2,000 to $10,000 each. In addition, we help members locate a Center of Excellence that performs these types of physicals. If follow-up care is recommended, we can coordinate those appointments as well, tapping into our ArmadaSelect SM Specialty Physicians.

9 Ultimate Health Plan Options Benefits Type Samples of What Is Covered Option A Option B Option C (Not a Complete List) Platinum Diamond Diamond Plus (Groups of 15+) Per-Occurrence (each injury, condition or illness) for medical out-of-pocket costs * Deductibles, co-pays, balance bills or other out-of-pocket costs for medically necessary services $5,000 $10,000 $10,000 Additional Coverage Per Covered Person Dental Orthodontia, crowns and bridges $4,000 $5,000 $10,000 Vision Counseling Prescriptions LASIK surgery, contact lenses and prescription sunglasses $1,000 $1,500 $10,000 Mental and substance abuse programs $2,000 $3,000 $10,000 Co-pays, brand name and lifestyle prescriptions $2,500 $3,000 $10,000 Durable medical equipment, wigs Medical Equipment and hearing aids $2,000 $5,000 $10,000 Acupuncture, massage therapy Wellness/Lifestyle and chiropractic care $1,000 $1,500 $10,000 Executive Physicals Top-to-toe physical for the executive and spouse $2,000 each $2,500 each $10,000 each Annual Family Maximum $50,000 $100,000 $100,000 * Covered medical expenses that are incurred by the same covered person during any one plan year and that result from the same or related sickness or injury, the same course of dental treatment or the same course of vision treatment. For instance, if you break an arm, any eligible expenses for that arm break (ER visit, doctor visits or physical therapy) fall under that same occurrence. ArmadaCare does not diagnose, treat or otherwise perform medical services or make medical treatment decisions or recommendations. Plans and coverage may vary by state. Detailed coverage and plan exclusions and limitations are listed in the Certificate of Coverage. Plan Benefits Underwritten by

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