A dynamic, integrated wellness platform and app designed to engage workers on their Personal Pathways to better health.

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1 Vitality Overview

2 Who is Vitality? A dynamic, integrated wellness platform and app designed to engage workers on their Personal Pathways to better health. Vitality encourages individuals to commit to long-term healthy changes in how they live, work, exercise and eat. It includes health education, goals, tools, incentives, and real-time reporting to drive positive behavior change. Wellness

3 Vitality Program Experience Complete VHR Obtain Health Results Select Goals to improve risks or maintain health Complete Activities Earn Vitality Points & enjoy Vitality Rewards

4 Vitality Age Member Input Real-time Algorithm Vitality Age: 60 Years Medical History Stress and Productivity Smoking and Alcohol Nutrition Physical Activity Screening data Medical data Actuarial data Risk factors applied to calculate age Vitality Goals presented

5 Vitality Personal Pathways What we know Smoker High glucose High blood pressure No exercise Vitality Age: 62 What we know Tobacco-free In-range glucose BMI < 25 In-range blood pressure Exercises three times a week Vitality Age: 37 Vitality s recommended goals Explore your smoking habit Start exercising 3x a week Improve your lifestyle to improve your cholesterol John Age 55 High-Risk Individual Vitality s recommended goals Consider a healthier diet Stick with it! Keep exercising 3x a week Kate Age 38 Low-Risk Individual

6 Engagement Tools Partner Health Club network Gym Benefits* Integrated fitness devices Team Challenges Healthy food discounts Preventative care uploads Educational courses Certification programs Vitality Mall Rewards* *rewards are taxable

7 Vitality Status 7

8 Vitality Contribution Manager The Vitality Contribution Manager is a reporting tool that allows employers to adjust workers CHP contributions based on their engagement in the Vitality platform. Vitality Contribution Manager Strategy can be based on employees: Taking the Vitality Health Review Achieving Vitality Silver Status Take Your Vitality Health Review Achieve Silver Vitality Status

9 Employer Administration Employers choose the incentive and administer the contribution adjustment. Employers can choose to adjust workers monthly CHP contributions or personal spending account contribution amounts Difference in workers contribution costs cannot be greater than 30% of the total cost for self-only coverage Using Vitality status ensures ACA compliance and Reasonable Alternative Standards in engagement tracking The cost for CHP coverage billed by the Concordia Plan Services is the SAME regardless of employers or workers participation in the Vitality Contribution Manager (VCM).

10 Example of Contribution Adjustment CHP Total Cost CHP rate self-only $600/month* CHP rate family $1,500/month* (Employer currently pays 75% of self only coverage and 0% of dependents coverage) CHP Cost to worker CHP rate self-only $150/month* CHP rate family $1,050/month* *example for illustrative purposes only

11 Example of Contribution Adjustment Potential Cost Sharing through the VCM CHP rate self-only $600/month* $600 x 30% = $180 Difference in workers contribution costs cannot be greater than 30% of the total cost of self-only coverage ($180) CHP Cost to Worker CHP rate self-only CHP rate- family Silver Status $50/month* $950/month* Non-Silver Status $150/month* $1,050/month* Cost difference < $180

12 VCM Timeline November 1, 2015 Deadline to decide on a VCM strategy January 2016 Vitality program launch Oct 31, 2016 Deadline for workers to complete VCM requirements Prior to Dec 1, 2016 Employers will receive a report with a list of workers who have completed the requirements January 1, 2017 Employers implement adjusted contribution rates for workers New/renewed VCM strategy begins for 2017

13 VCM for Workers Members have an Employee Incentive Tab to view: Incentive requirements Incentive deadline Screening results Target results Reasonable alternatives

14 ACA Waivers Waiver forms are available if there is a medical reason that a member cannot comply with the targeted result or reasonable alternatives. Biometric and Physical Activity Waivers

15 Questions 15

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