Worksite Benefits. 38% of working Americans say they could not pay their bills for more than three months if their employment income was lost.

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1 Worksite Benefits CareFirst BlueCross BlueShield is the shared business name of CareFirst of Maryland, Inc. and Group Hospitalization and Medical Services, Inc. CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. are both independent licensees of the Blue Cross and Blue Shield Association. SUM2051-1E (11/14) Registered trademark of the Blue Cross and Blue Shield Association. Registered trademark of CareFirst of Maryland, Inc. W1

2 Worksite Benefits CareFirst cares about the whole health of your employees. This includes financial well-being should hardships and unexpected events arise. Worksite products can help protect your employees finances. CareFirst has partnered with several vendors who provide access to services that support sound fiscal health. Critical illness * Designed to pay a lump-sum benefit when your employees are diagnosed with critical conditions. Cancer/specified disease * Helps people manage the financial impact of a cancer diagnosis without the added pressures of unexpected bills. Hospital indemnity * Pays a benefit towards daily hospital confinement, intensive care, inpatient physician s attendance, surgery, anesthesia, transportation and other services. Accident insurance * Gives a financial cushion to help pay for medical expenses and living costs when employees get hurt unexpectedly. Tax preparation services ** A network of certified public accountants (CPAs) takes a strategic approach to taxes that focuses on an individual s financial picture, goals and personality. 38% of working Americans say they could not pay their bills for more than three months if their employment income was lost. Council for Disability Awareness, Disability Divide Consumer Disability Awareness Study, 2010 *Critical Illness, Cancer/Specific Disease, Hospital Indemnity and Accident Insurance are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group. American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. The policies provide limited benefit, supplemental insurance, and have limitations and exclusions. **Tax Preparation Services are administered by CapellaTax Network, an independent company that provides tax preparation services to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members. CapellaTax Network is solely responsible for the services it provides. W2

3 Critical Illness Plans With the advancement in medical technology and treatment, people are living longer and once deadly diseases are being controlled and cured. One way your employees can shield themselves and their dependents from the economic consequences of critical illness is to purchase a critical illness policy, which pays a lump sum benefit (paid directly to the employee, or a beneficiary) when they are diagnosed with critical conditions such as heart attack, stroke, organ transplant, Alzheimer s disease and end stage renal failure. There is no direct employer cost. This benefit is underwritten by American Heritage Life.* Critical illness policies can help fill in gaps in medical coverage, and address direct and indirect expenses: Lost income Child care Travel expenses Prescription drugs Mortgage payments Home health care Complete descriptions, including the limitations and exclusions, can be found in Policy Form CILP1 and Rider Forms WBR5 and CICR1, or state variations thereof. *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group. American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. W3

4 Critical illness plans * At-a-glance Maximum of 100% of basic benefit amount is payable in each category. Benefit Amounts Category 1 Included in Plan A and Plan B Plan A Plan B Heart attack 100% Stroke 100% Heart transplant 100% By-pass surgery 25% Angioplasty, atherectomy, stent placement 25% Category 2 Included in Plan A and Plan B Major organ transplant (other than heart) 100% End stage renal failure 100% Multiple Sclerosis 25% Alzheimer s Disease 25% Paralysis (not as a result of a stroke) 50% (2 limbs) & 100% (4 limbs) Rider benefit Included in Plan A and B (3 units) Wellness benefit rider Additional rider benefit Included in Plan B only Critical illness cancer rider *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group. American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. Members who have a Cancer/Specified Disease Policy through American Heritage Life Insurance Company are not eligible for the Cancer Rider. W4

5 Cancer/Specified Disease Coverage This type of coverage protects against the doublewhammy of a cancer diagnosis and the potential for money difficulties during treatment for cancer and other specified diseases. This voluntary benefit can help your employees keep their finances intact. There is no direct employer cost. These benefits are underwritten by American Heritage Life.* Coverage may be purchased by the employee for themselves or can include immediate family. Premiums do not change based on age. Includes coverage for 20 additional specified diseases, such as multiple sclerosis. Complete descriptions, including the limitations and exclusions, can be found in Policy Form CP10B and Rider Forms CLR1, WBR5 and ICR2, or state variations thereof. *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group ( American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. W5

6 Cancer/specified disease plans * At-a-glance Surgery and related benefits Inpatient surgery Outpatient surgery Second surgical opinion Anesthesia Ambulatory surgical center Hospital confinement benefits Hospital confinement Extended hospital confinement Government or charity hospital Private duty nursing services Extended care facility Benefit At home nursing Radiation/chemotherapy benefits Radiation therapy, radio-active isotopes therapy, chemotherapy and immunotherapy Blood, plasma and platelets Rider benefits Wellness benefit Hospital intensive care Cancer initial diagnosis Benefit Lodging and transportation benefits Ambulance Non-local transportation Family member transportation Family member lodging Outpatient lodging Miscellaneous benefits Hospice care (freestanding hospice care center or hospice care team); counseling and bereavement Inpatient drugs and medicine Physician s attendance New or experimental treatment Physical or speech therapy Prosthesis Skin cancer Colorectal cancer screening benefit Waiver of premium cancer only *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group ( selectbenefitsgroup.com/). American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. W6

7 Hospital Indemnity Plans Even a few days in the hospital could be costly for your employees as lost income, medicines and therapies quickly add up. Hospital indemnity plans offer your employees financial protection. And they are available on a voluntary basis, so there is no cost to you. Hospital indemnity plans cover: Daily hospital confinement Intensive care Inpatient physician s attendance Surgery and anesthesia Transportation and other services Hospital indemnity plans are considered supplemental health coverage, meaning that they do not coordinate with or reduce any benefits received under your major medical insurance. Major medical insurance will pay the hospital and doctor directly while a hospital indemnity plan will pay benefits directly to the insured. Therefore, benefits are paid regardless of any other coverage. These benefits are underwritten by American Heritage Life.* Complete descriptions, including the limitations and exclusions, can be found in Policy Form CHC and Rider Forms IHR1, IPBR1, SAR1, OPBR1, OEAR1, AHNR and TR1, or state variation thereof. *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group. American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. W7

8 Hospital indemnity plans * At-a-glance Benefit amounts Basic Enhanced Premier Daily hospital confinement benefit $100 each day $200 each day $300 each day Hospital intensive care unit $100 each day $200 each day $300 each day Waiver of premium Yes Yes Yes Additional riders included with the base Initial hospital rider $500 $1,000 $1,500 Inpatient physician s benefit rider $25 each day $50 each day $100 each day $20-$500 $40-$1,000 $40-$1,000 Surgical benefit rider depending on depending on depending on surgery surgery surgery Anesthesia benefit 25% surgical 25% surgical 25% surgical benefit benefit benefit Outpatient physician s benefit rider $25 each $50 each $75 each occurrence occurrence occurrence Outpatient emergency accident rider $50 each $100 each $100 each occurrence occurrence occurrence At home nursing benefit rider $50 each day $50 each day $50 each day Transportation rider (ambulance) $100 each $100 each $100 each occurrence occurrence occurrence Transportation rider (non-local transportation) $200 each trip $200 each trip $200 each trip *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group ( American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. W8

9 Accident Insurance Accident coverage provides cash benefits for out-of-pocket expenses associated with an accidental injury and can safeguard hard-earned savings should an on- or off-the-job accidental injury occur. Benefits are paid directly to employee, unless assigned to a beneficiary. Supplemental insurance that works in addition to other insurance employees may have. Coverage for employee only, employee and spouse, employee and children, or family. Policy can be used on its own or to fill in gaps left by other coverage. Choose from varying levels of benefits. There is no direct employer cost. These benefits are underwritten by American Heritage Life.* A fatal injury occurs every 4 minutes and a disabling injury every 1 second. Injury Facts 2010 Edition, National Safety Council. Benefits provided by Group Voluntary Policy form GVAP1, or state variations thereof. Complete descriptions, including the limitations and exclusions, can be found in the certificate. *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group. American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. W9

10 Accident insurance coverage * At-a-glance Benefit Amounts Covered Low Option High Option Loss of life or limbs (per schedule below) (loss of life in common carrier is 5x amount shown) Dislocation or fracture (see schedule below) Initial hospital confinement Hospital confinement Ambulance (needed as a result of accidental injury) Medical expenses Outpatient physician s treatment Up to $40,000 Up to $20,000 Up to $10,000 Up to $4,000 Up to $2,000 Up to $1,000 Up to $60,000 Up to $30,000 Up to $15,000 Up to $6,000 Up to $3,000 Up to $1,000 $1,000 $1,500 $200/day Regular $200 Air $600 $300/day Regular $300 Air $900 Up to $500 Up to $750 $50 per visit $75 per visit Benefit amounts shown below are for Low Option and one occurrence. Covered spouse benefit is 50% of the amounts shown and children is 25%. For loss of: For the complete dislocation of: For complete, simple or closed fracture of bone or bones of: Life, or both eyes, or both hands or arms, or both feet or legs, or one hand or arm and one foot or leg One eye, one hand or arm, or one foot or leg One or more entire toes or fingers $40,000 $20,000 $4,000 Hip joint Knee joint**, bone or bones of the foot**, ankle joint Wrist joint Elbow joint Shoulder joint Bone or bones of the hand**, Collarbone Two or more fingers or toes $4,000 $1,600 $1,400 $1,200 $800 $600 $280 Hip, thigh (femur), pelvis*** Skull*** Arm, between shoulder and elbow (shaft), shoulder blade (scapula), leg (tibia or fibula) Ankle, knee cap (patella), collarbone (clavicle), forearm (radius or ulna) Foot***, hand or wrist*** $4,000 $3,800 $2,200 $1,600 $1,400 Two or more ribs, fingers or toes, bones of face or nose $600 One rib, finger or toe, Coccyx $280 **Knee joint (except patella). Bone or bones of the foot (except toes). Bones or bones of the hand (except fingers). ***Pelvis (except coccyx). Skull (except bones of the face or nose). Foot (except toes). Hand or wrist (except fingers). Lower jaw (except alveolar process). One finger or toe $120 Lower jaw*** $800 *These worksite benefits are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, and administered by Select Benefits Group ( American Heritage Life Insurance Company and Select Benefits Group are independent companies that provide worksite benefits to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members and are solely responsible for the services they provide. W10

11 Tax Preparation CareFirst s partner, the Capella Tax Network*, allows your employees to develop a long-term relationship with a CPA for not only tax planning, but also for advice when refinancing, buying/selling a home, divorce and other life dramas. Capella CPAs will also promote other tax-advantaged programs like flexible spending accounts and health savings accounts. Improve your employees financial wellness and increase productivity We also work to improve the financial wellness of your employees, which helps your bottom line through increased productivity and reduced health care costs. Convenient payroll deductions are spread over 12 months and there is no direct employer cost. s can use our network of financial experts for: Preparation of annual tax return Proactive tax planning Optimization of existing tax-saving programs such as flexible spending accounts, health savings accounts, 401(k)/403(b) plans Life s unforeseen events No minimum employer size or participation requirements** At any given time, 15% or more of [your] workforce is struggling with personal finance wellness. Voluntary Benefits Magazine, Oct 2012, Why Employers Should Care about their s Financial Wellness *Tax preparation services are administered by CapellaTax Network, an independent company that provides tax preparation services to CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. members. CapellaTax Network does not provide BlueCross BlueShield products or services and is solely responsible for the services it provides. ** A one-year commitment is required. W11