Anthem Health RewardsAn integrated wellness solution that motivates your employees toward better health.

Anthem Health Rewards is available at an additional charge.

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No Data <10% 10%–14% 15%–19% 20%–24% 25%–29% ≥30%

In 2010, 39% of Americans were

obese. Medical care costs from

obesity were estimated at $147

billion.

Source: CDC, 2010

1990 1999

2010

U.S. Adult Obesity Trends

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Our Situation…We face a national health crisis.

▪ More than half of all Americans live with one or more chronic health conditions.1

▪ The majority of chronic diseases can be prevented through lifestyle changes.2

▪ The prevalence of obesity among children aged 6 to 11 more than doubled in the past 20 years.3

▪ Chronic health conditions account for an estimated 75% of the nation’s $2 trillion medical care costs, which translates to over 15% of the U.S. gross domestic product.4

1- Center for Science in the Public Interest, The Key to Affordable Health Care Reform: Better Health through Prevention, April 20082- The Economic and Health Impacts of Obesity, Institute on the Costs and Health Effects of Obesity, National Business Group on Health, February 20093- The Commonwealth Fund, Bending the Curve, December 2007 4- Centers for Disease Control and Prevention. Early Release of Selected Estimates Based on Data from the January-September 2008 National Health Interview Survey. March 2009

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(Survey included 489 employers with 1,000 or more employees.)Source: "The Keys to Continued Success: Lessons Learned from Consistent Performers," National Business Group on Health/Watson Wyatt Employer Survey, 2009

Employers offering financial incentives to boost wellness programs and employee health.

Employers are responding…

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Poll #1One third of Americans choose to eat very poorly every

day. For this group, what percent of their daily calories come from junk food?

a) 28%b) 36%c) 47%

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Incentives can lead to new employee choices…

…leading to new behaviors…

…resulting in positive lifestyle changes…

...and improved wellness and more favorable cost trends!

Incentives Behaviors Lifestyle Wellnessand Costs

As part of a comprehensive wellness strategy, incentives can encourage new healthy behaviors by employees.

How do wellness-incentive programs work?

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Evidence of Impact:Anthem Consumer-Driven Health study

When looking at all members identified as eligible for Anthem's clinical programs, members who were offered incentives:

• engaged in Anthem's clinical programs 2.2 times more often

• graduated 2.7 times more often 0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

18.0%

20.0%

Incentive GroupSubscribers

Non-Incentive GroupSubscribers

Engaged

Graduated

Incentives helped to drive higher levels of engagement in and graduation from Anthem's Clinical programs.

Anthem CDH business

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Introducing: Anthem Health Rewards

An integrated and comprehensive total wellness solution that motivates members to make healthier choices and positively impacts lifestyle behaviors.

Anthem Health Rewards is available at an additional charge.

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Anthem Health Rewards is a critical part of a total wellness solution. It is designed to increase health and wellness engagement for employees and their families.

An Integrated Wellness Solution

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A Total Wellness SolutionWhen Anthem Health Rewards is integrated with Anthem medical plans, significant results can be achieved by:

▪ Identifying specific unhealthy member behaviors▪ Targeting those behaviors with health improvement

programs▪ Tracking members’ activities▪ Rewarding members for taking actions to help improve

their health

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A Comprehensive Program Anthem Health Rewards is a complete solution for you and your employees. It includes:

▪ A robust menu of eligible member activities

▪ A variety of popular rewards▪ On-line tracking tools for members▪ Ongoing member communications▪ Customer service support▪ Timely client reporting

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Anthem Health Rewards: Currently Available• Self-Funded Groups• States:

• California Wisconsin• Nevada Indiana• Colorado Ohio• Kentucky Missouri• Maine New Hampshire• Connecticut

• Stay Tuned– a new fully insured program and more states coming in January!

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Direct Points Program Focus: Employees with current medical needs including disease management and pregnancy

Program Focus: A broader group of employees: those with current medical needs and pregnancy, plus a variety of wellness programs for others

Choose 1-4 programs:• Health Assessment completion• Future Moms—maternity management• ConditionCare—disease management

▪ Includes: Coronary Heart Disease, Heart Failure, Diabetes, Asthma, COPD

• Validated Biometric Health Screenings

Choose 4 or more programs:• Health Assessment completion• Future Moms—maternity management• ConditionCare—disease management

• Includes: Coronary Heart Disease, Heart Failure, Diabetes, Asthma, COPD

• Validated Biometric Health Screenings• Better Health On-Line Coaching

▪ Weight • Exercise▪ Smoking • Insomnia▪ Nutrition • Stress

• Self-Reported Activities:• Biometric Health Screenings• Preventive Care• Online Fitness & Nutrition Trackers• Adherence to Standards of Care

Some programs may need to be purchased. Reward Choices: Gift cards, discounts toward health plan costs, account deposits (HRA, HSA, HSA+, HIA, HIA+, My Incentive Account-not all types available in all states).

Available Now: Self Funded Groups

BONUS! Special Campaigns—employer-initiated activities and events

BONUS! Special Campaigns—employer-initiated activities and events

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• Account deposits• Includes (HSA, HSA Plus, HRA, HIA, HIA Plus, and MyIncentive Account)

• Discounts toward health plan costs

• Gift cards to leading national merchants:

Choose From A Variety of Popular Rewards

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Direct Package Points Package

Anthem Health Rewards Package Highlights

▪Quick start-up for companies new to incentives▪Targeted, simple program▪Shorter program lifecycle▪Emphasis on condition management▪Choice of rewards▪Turnkey employee promotional materials

▪Longer-term perspective▪Wellness program that target a wider audience▪Offers secure, online points accumulation and tracking▪Choice of rewards▪Turnkey employee promotional materials

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Member logs into anthem.com…

…selects “Get My Rewards”, and moves to the Anthem Health Rewards home page.

Anthem Health Rewards: A Sample Web Experience

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Effective Communications for Employers

Available Resources: ▪ Comprehensive suite of materials

in multiple formats (print and electronic) to promote incentives and wellness in the workplace.

▪ Tips on how to use the tools in the workplace

▪ Email alerts to stay informed about new topics that are added

▪ Sample communication plans, strategies and tactics to support employers

▪ Custom communications calendar for year long planning and promotions

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Anthem Health Rewards: January, 2012

• New State:• California Wisconsin• Nevada Indiana• Colorado Ohio• Kentucky Missouri• Maine New Hampshire• Connecticut Virginia

• All states: New Fully Insured Program• packages for three group sizes:1,000+, 100-999, and 2-99• packages and availability depend on your state

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Direct Points Program Focus: Employees with current medical needs including disease management and pregnancy

Program Focus: A broader group of employees: those with current medical needs and pregnancy, plus a variety of wellness programs for others

Choose 1-4 programs:• Health Assessment completion• Future Moms—maternity management• ConditionCare—disease management

▪ Includes: Coronary Heart Disease, Heart Failure, Diabetes, Asthma, COPD

• Validated Biometric Health Screenings

Choose 4 or more programs:• Health Assessment completion• Future Moms—maternity management• ConditionCare—disease management

• Includes: Coronary Heart Disease, Heart Failure, Diabetes, Asthma, COPD

• Validated Biometric Health Screenings• Better Health On-Line Coaching

▪ Weight • Exercise▪ Smoking • Insomnia▪ Nutrition • Stress

• Self-Reported Activities:• Biometric Health Screenings• Preventive Care• Online Fitness & Nutrition Trackers• Adherence to Standards of Care

Some programs may need to be purchased. Reward Choices: Gift cards, discounts toward health plan costs, account deposits (HRA, HSA, HSA+, HIA, HIA+, My Incentive Account-not all types available in all states).

Available 1/1/12: Fully Insured GroupsGroup Size: 1,000+

BONUS! Special Campaigns—employer-initiated activities and events

BONUS! Special Campaigns—employer-initiated activities and events

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▪Package A is a great start –a direct rewards program

▪Package B includes self-reported activities – a points program

▪Package C involves your total population – a points program

▪ Reward Types include Gift Cards, discounts towards health plan costs, and account deposits (where applicable).

For Fully Insured Clients, Group Size 100-999:Choose From Three Targeted Packages*

* Minimum 500 subscribers

* Some states vary by group size and date of availability

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Package A – Dollar Awards Program

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Package B-Points Accumulation Program

Includes Package A plus these additional programs:

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Package C-Points Accumulation Program

Includes Package B plus these additional programs:

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•This program contains our popular and effectivematernity and disease management programs, along with a health assessment incentive.

•This is a direct rewards program, with Gift Cards

Includes:

For Fully Insured Clients, 2-99*:A Package of Core Programs

* Some states vary by group size and date of availability. Not available in Connecticut.

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Next Steps… Contact your Anthem Account Manager to:

▪ Learn more about Anthem Health Rewards▪ Determine the right package for your business▪ Get started!

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Poll #2Are you planning to contact your Sales Representative for

more information on Anthem Health Rewards?

a) Yesb) Noc) Maybe

Anthem Health RewardsAppendix

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Merchant selection subject to change. State restrictions may apply.

Amazon.com Gift Cards ("GCs") sold by Hallmark Business Connections, an authorized reseller of Amazon.com Gift Cards. Amazon, Amazon.com, the Amazon.com logo, and the Amazon Gift Cards logo are trademarks of Amazon.com, Inc. or its affiliates. GCs may be used only for purchases of eligible goods on Amazon.com or its affiliated website Endless.com. GCs cannot be redeemed for purchases of gift cards. Except as required by law, GCs cannot be reloaded, resold, transferred for value, redeemed for cash, or applied to any other account. See www.amazon.com/gc-legal for complete terms and conditions. GCs are issued and © 2010 by ACI Gift Cards, Inc., a Washington corporation.

THE HOME DEPOT® is a registered trademark of Homer TLC, Inc. Anthem Blue Cross and Blue Shield is not affiliated with The Home Depot®. Gift certificates for The Home Depot® will be issued as a gift card. The Home Depot® is not a sponsor of this promotion.

Marriott is not a sponsor of this promotion. Marriott is a registered trademark of Marriott International, Inc. All rights reserved.

Sears Holdings Corporation participation is not an in-store offer and is not a sponsor of this promotion. Fulfillment of gift cards will be done through Hallmark Business Connections. Gift cards are subject to all terms and conditions printed on the gift cardsand are subject to change at Sears Holding Corporation’s discretion.

The Bulls eye Design and Target are registered trademarks and Target GiftCard is a service mark of Target Brands, Inc. All rights reserved. Terms and conditions are applied to GiftCards. Target is not a participating partner in or sponsor of this offer.

Sports Authority is not a sponsor of this program. Use of Sports Authority names and/or logos are by permission of TSA Gift Card, Inc.. All rights reserved. Terms and conditions are applied to gift cards.

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The Anthem National Accounts business unit serves members of: Anthem Blue Cross Life and Health Insurance Company and Blue Cross of California using the trade name Anthem Blue Cross in California; using the trade name of Anthem Blue Cross and Blue Shield for the following companies in: Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. Connecticut: Anthem Health Plans, Inc.; Georgia: Blue Cross and Blue Shield of Georgia, Inc. and Blue Cross Blue Shield Healthcare Plan of Georgia, Inc.; Indiana: Anthem Insurance Companies, Inc.; Kentucky: Anthem Health Plans of Kentucky, Inc.; Maine: Anthem Health Plans of Maine, Inc.; Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits; Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada.; New Hampshire: Anthem Health Plans of New Hampshire, Inc.; Ohio: Community Insurance Company; Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123.; Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWi), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation (Compcare), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. In 28 eastern and southeastern counties in New York, Empire Blue Cross Blue Shield, the trade name of Empire HealthChoiceAssurance, Inc., underwrites and/or administers the PPO, EPO, POS and indemnity policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

Questions?