DRIVING HEALTH CARE CONSUMERISM VIA TRANSPARENCY

TODAYS ENVIRONMENT.

• High deductible health plans

• Narrow networks

• Tiered networks and plan designs

• Cost variability

• Rising health coverage costs

• Consumers are expected to make informed choices

WHAT IF THERE WAS A TOOL…

• That helped consumers know the cost of a procedure?

• And their share of the cost?

• Compared the cost for the same procedure at different places of service?

• By different providers?

• That helped consumers understand that they have choice in where they receive care?

• That provides “shopping advice” on how to save on care?

• Available to them in their home or office or on the go?

A TOOL DESIGNED TO KEEP YOUR HEALTH CARE COSTS DOWN

EMBEDDED IN FIND A DOCTOR Quality

• Provider information• Physician & Hospital• Patient Reviews

Cost• Cost of Care Estimates• Shoppable procedures• Savings alerts

Experience• Engagement strategies• Personalized messages

WHAT IF THE TOOL WAS WHERE THEY WERE ALREADY LOOKING FOR INFORMATION?

…AND WHAT IF THE TOOL WAS POWERED BY ROBUST NATIONAL DATA?

The Blues have a distinct advantage in providing transparency tools due to the breadth and depth of data available

96% of Hospitals and92% of Physicians

100 Million Lives

Every ZIP in the US

UnparalleledConsumer Research

DeeperInsights

AND THE TOOL FOCUSED ON “SHOPPABLE” PROCEDURES.

2013 2014 2015Total

Coverage(Vol % of

Shoppable)

Spring Fall Spring Fall Spring

Short Term+256 new TCs

Additional 113 procedure detail

Additional 87 new category costs

54 new treatment categories

Plus new chronic conditions methodology

86%

424 treatment categories

Long Term+213 additional new TCs

Apx. 105 Apx. 105 100%

617 treatment categories

TRANSPARENCY SOLUTION.

Available Now

FIND A DOCTOR PLATFORM• Treatment cost estimator (170+ procedures)• Physician quality• Physician recognition• Hospital quality measures• Blue distinction centers• Patient reviews of physicians• Mobile-enabled site• Spanish

Available May 2013

MEMBER OUT OF POCKET • Additional procedures added to treatment cost estimator• Member-specific cost estimator• Customer service integration• Displays SelectAccount® balances• Procedure-specific messaging

Standard Solution

AVAILABLE AT NO ADDITIONAL COST

BLUE CROSS’ STANDARD SOLUTION VS. THE COMPETITION.

Transparency vendor capabilities vary*UHC and Aetna have selected geographies

Feature Blue Cross Competition

National treatment cost estimator (claims/network pricing) a *

Out of pocket estimator (benefits and accumulator integration) a a

Quality — physician and hospital a a

Patient review of physician a a

Embedded in plan find a doctor tool a

Mobile a a

Customer service integration a

QUESTIONS?