The GTC Medical Aid Survey. Benefit and cost comparisons

The GTC Medical Aid Survey Benefit and cost comparisons - 2015

formerly Grant Thornton Capital Let our 40 years of accredited experience in healthcare consulting guide you to a healthy future Our professional consultants can assist you to select the most appropriate healthcare solutions for you and for your company. Our healthcare consulting services include: An annual review of open schemes in the market An annual review of your scheme with guidance on plan types Co-ordination and management of wellness days Administration escalation and monitoring services A strategic review of your scheme compared with other selections Training of HR on your scheme s benefits and administration Client liaison service provider co-ordination Member guidance regarding queries and options For a personal consultation, please contact: Jillian Larkan Head-Healthcare Consulting t +27 (0) 21 412 1062 c +27 (0) 83 453 3344 e jlarkan@gtc.co.za www.gtc.co.za An Authorised Financial Services Provider FSP No. 731

Disclaimer Index Whilst this survey compares open medical aid schemes with one another, it is not a complete medical aid report/analysis. This survey is not intended to flout the conditions set out in the Financial Advisory and Intermediary Services Act s General Code of Conduct for Authorised Financial Services Providers and Representatives. Board Notice 80 of 2003, Part III, Information on Product Suppliers 4 (4), which clearly states: A provider may not, in dealing with a client, compare different financial products, product suppliers, providers or representatives, unless the differing characteristics of each are made clear, and may not make inaccurate, unfair or unsubstantiated criticisms of any financial product, product supplier, provider or representative. The 2015 product information has been supplied by each of the product suppliers considered in this survey, and a copy of this survey has been returned to each of them for their consideration and comment. Detailed fact sheets are available from each Medical Aid Service Provider on their respective website, and have been used in the production of this survey. Please further note that although every effort was made to include all open medical aid plans in this survey, Community Medical Aid, MediMed, Selfmed, and Thebemed had still not released their 2015 benefits and rates as at 24 November 2014. We have therefore excluded them from this report. KeyHealth was further not included in our Survey. The following Medical Aid and Service Providers are included in our survey: Bestmed Bonitas Cape Medical Plan Compcare Fedhealth Discovery Genesis Hosmed Liberty Makoti Medihelp MediMed MedShield Momentum Profmed OcsaCare Resolution Sizwe Spectramed Suremed Topmed The purpose of this survey is to highlight the similarities and differences in Medical Aid and Service Providers plans, and their design. These plans have been grouped together (as closely as possible) to enable a better comparison between their biggest cost elements. E&OE Foreword for the GTC Medical Aid Survey 2 Introduction to GTC 3 About the author 4 Glossary 6 Executive summary 8 Introduction 12 Categories analysed 13 History of the GTC Medical Aid Annual Survey 14 Methodology 15 Basic cost comparisons 15 Overall or complete cost comparisons 16 Council for Medical Schemes annual report 17 Categorisation of plans 20 Results and comparison 27 Non-hospital plans 30 Starter beginner plans 32 Core plans 44 Saver plans 56 Comprehensive plans 86 Traditional plans 94 a GTC @Grant Thornton, The Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 p P.O. Box 55118, Illovo, 2116 An Authorised Financial Services Provider FSP no. 731 t +27 (0) 10 597 6800 f +27 (0) 10 597 6801 w www.gtc.co.za GTC (Pty) Ltd. reg. no. 1996/001488/07 directors: G.K. Mockler, F. Dildar Employee Benefits Consulting Employee Benefits Administration Private Client Wealth Management Healthcare Consulting Short-Term Risk Solutions Stockbroking Derivatives Trading Unit Trust Management Asset Management Fiduciary Services formerly Grant Thornton Capital 1

Foreword for the GTC Medical Aid Survey Introduction to the GTC Group It gives me great pleasure to introduce the inaugural GTC Medical Aid Survey a definitive review of products currently on offer, providing guidelines, advice and suggestions on a broad range of medical aid offerings in South Africa, highlighting the most suitable and best-value solutions for members. It is with some excitement that GTC undertakes this exercise. Whilst it is a first for our business, Jill Larkan, the author of the publication, has conducted this survey each year for several years before joining GTC. Under Jill s leadership, the GTC Healthcare division advises clients on the most appropriate healthcare programs for their purposes and thereafter manages the relationship between clients and providers, while keeping clients abreast of legislative changes and compliance, industry trends and other related topical issues. Whilst GTC (formerly Grant Thornton Capital) separated from Grant Thornton in 2014 - to the extent necessary in terms of international regulations (Grant Thornton Johannesburg remaining a minority shareholder) - the collaboration between the audit practice and GTC on a project such as this is, is a logical one. 21st Century Pay Solution Group and GTC have established a formal joint venture and the communication of this year s Medical Aid Survey is one of the outcomes of this partnership. The relationship is built on the solid foundation of each party being expert in their own distinct areas of business, whilst enjoying a close synergy with the other. These core disciplines are notably remuneration and payroll consulting on the part of 21st Century and the range of employee benefits disciplines on the part of GTC. We both are enjoying the business interaction and the opportunity for aligned engagement through this initiative. GTC has a number of other business units that support and complement the Healthcare division and we would welcome the opportunity to meet with you to introduce our capabilities. If you would like a hard copy of this survey, or if you would like a personal introduction to this year s findings from one of our consultants, please contact Jillian Larkan on 083 453 3344 or at jlarkan@gtc.co.za. Regards Gary Mockler GTC Group CEO GTC is a leading, diversified financial services company, which was established 24 years ago. The business is nationally represented with offices in Johannesburg, Cape Town and Durban. Core capabilities, products and services include: Employee benefit consulting and administration Private client wealth management Healthcare consulting Asset management, with specific capabilities in stockbroking, derivatives trading, multi-management, transition management, asset consulting and investment analytics. Short-term risk solutions Unit trust management Fiduciary services Formerly Grant Thornton Capital, GTC was established in 1991 from within the Grant Thornton Johannesburg audit practice, itself part of Grant Thornton International. Effective late 2012 GTC was obliged to separate itself from the audit practice as a result of various international regulations separating the asset management and financial advisory capability of any business from that of Grant Thornton. This regulatory change resulted in the business changing its name from that of Grant Thornton Capital to GTC. Today GTC continues to have Grant Thornton as a shareholder. Gary Mockler, the founder of GTC, remains the Chief Executive Officer. Collectively the Group employs over 100 staff in three national centres. Assets under management total some R26 billion with several more billion rand also being under GTC s administration. There are 85 000 participating members of retirement funds through some 300 participating employer schemes, most of these structured through one of several GTC umbrella funds. In addition, GTC consults to more than 2 500 private clients in terms of their wealth management goals. GTC continually aspires to being recognised, in a crowded market place as a benchmark of best practice and innovative thinking. This objective is measured by ensuring that the interests of its clients are protected and placed at the core of all decisions, business practices, company culture and ethics. As testament to its business aspirations, GTC was recently awarded the PMR Golden Arrow award in the 2014 National Survey on Pension Fund Administrators, Consultants, Product Providers and Insurers. GTC participated in the Medium Sized Pension Fund Administrators and Consultants category. GTC was rated excellent in their capabilities of benefit consulting and administration by a random national sample of 200 respondents, comprising principal officers and trustees. The depth of GTC s services, the quality of the staff, the uncompromising stance on integrity and professionalism and the easy accessibility to senior management and shareholders justifies the extraordinary client retention that GTC enjoys. The GTC team lives its corporate brand promise - Consult Partner Manage. 2 3

About the author Biography Jillian Larkan Jill Larkan is head of Healthcare Consulting at GTC, an established financial advisory business. Jill has extensive experience of the financial services sector, in which she has worked for more than 30 years. Whilst having been at GTC for some three years, Jill notes business relationships with several of her GTC colleagues for more than 20 years. Prior to joining GTC in 2012, Jill ran her own successful broking and consulting business in the Western Cape, where she provided services to private and corporate clients. Before establishing her own business, Jill gained large corporate experience through a career path that included Old Mutual, Sage Life and Glenrand MIB. Jill is continuously growing and learning and she has attained her Advanced Post Graduate Diploma in Financial Planning from the University of the Free State. She is a Certified Financial Planner, an internationally recognised financial advisory designation, awarded by the Financial Planning Institute. Jill is a member of the Insurance Institute of South Africa and the Financial Planning Institute. Jill s management style is based on knowledge sharing, believing that regular engagement and continuous information sharing creates an informed audience. Jill enthusiastically states I am passionate about people, honesty and integrity, and about helping clients make the best decisions possible for their future. Jill, a mother of three, is an enthusiastic sportsperson, having played soccer and hockey in her earlier years, and still actively participates in a wide variety of outdoor sports including mountain biking, cycling, water skiing, tubing, boating and hiking. Jillian Larkan Head - Healthcare Consulting t +27 (0) 21 412 1062 c +27 (0) 83 453 3344 jlarkan@gtc.co.za 4

Glossary In Hospital % This refers to the amount of cover that your medical aid will pay for In-Hospital procedures and events. This percentage is based upon the previously accepted National Health Reference Price List. NHRPL - National Health Reference Price List This was a list of all medical procedures and events. This list included a monetary amount per procedure or event, and this was referred to as the 100% rate. This was generally the amount which government hospitals and doctors charged. Medical aids have developed their own derivatives of this list, upon which they base their benefits. OAL - Overall Annual Limit The overall limit that the medical aid is prepared to cover for the year, inclusive of all medical procedures events and costs. ATB - Above-Threshold Benefit A threshold amount set by the plan every year. A prescribed limit of Out-of-Hospital medical expenses that must be reached before your medical aid starts to assist with medical expenses again. The accumulation of benefits, up to this limit, is done at 100% of NHRPL, and once in the ATB, benefits are only payable at between 80% and 100% of NHRPL. SPG - Self Payment Gap A gap that exists between the amount of money that is provided in your savings account and/ or OHEB, and the threshold set by your plan. You will be expected to cover all your own Out-of- Hospital medical expenses while you are in the Self Payment Gap. Basic Costs These are the costs of the In-Hospital Benefit, stripping out the savings element and/or any Out-of- Hospital Benefit provided by the scheme and reducing the premium to its Basic Cost, revealing the In-Hospital rate. Overall/Complete Cost This is the overall cost of having this scheme. This cost is the Overall cost which the member will be asked to bear in a year, to cover the premium, and the Self Payment Gap and extend the Outof-Hospital cover into the Above Threshold Benefit. This excludes any additional costs that the member may have to bear for hospital procedures, excesses above sub-limits set by the scheme, co-payments or for Out-of-Hospital treatment costs that exceeds 100% of NHRPL and assumes that all expenses are charged and covered at 100% of NHRPL only. Hybrid This plan range simulates a standard plan, however it offers additional benefits over and above those of a standard plan. e.g. A savings plan would limit its benefits to allow members to use their full savings account no more, whilst the hybrid plan offers additional benefits over and above the savings account limit. Such additional benefit as wellness programmes, dentistry, a number of or unlimited GP visits, etc. may be provided by medical aids. Network A selected network of hospitals, doctors, specialists or pharmacies chosen by your plan. Your service provider has negotiated favourable rates with them and would prefer that you confine your visits and services to these facilities only. Emergencies will be treated separately and allowed outside of the network. MSA - Medical Savings Account An amount of money set aside by your plan for your Out-of-Hospital expenses. This account is funded by your premiums. This annual amount is allocated for the calendar year, in advance, in January of every year. All Out-of-Hospital expenses are funded from this account until it is exhausted. OHEB - Out-of-Hospital Expenses Benefit Like a Savings Account provided by our plan. Also used to fund Out-of-Hospital expenses for the year, and made available in January of every year. 6 7

Executive summary 1. No shortage of choice It is hardly news that consumers have a vast range of medical schemes and plans to choose from. As always, the correct decision demands that all factors be considered, especially one s personal circumstances and needs, which outweigh all other factors. 2. Top-up or lose out Top-Up insurance is imperative in today s market, and we strongly recommend that this inexpensive additional benefit is made use of. In all our comparisons we acknowledge the need to enhance the In-Hospital cover to 500% to enable a fair comparison of benefits. According to the Council for Medical Schemes in an October 2014 report, 35.5% of all medical aid costs are In-Hospital followed by medical specialists (24.5%), most of whom earn their revenue from hospital-related procedures. Overview of the findings Below is a summary of the research findings into the most competitive service providers for 2015 for single members, married couples (member and spouse) and families (member, spouse and 2 children): Choosing a medical aid that provides the right mixture of cover, peace of mind and value for money is a task that every South African can relate to. With all the providers choosing to promote and position their offering in unique ways, it is incredibly difficult to compare apples with apples. The GTC Medical Aid Annual survey attempts to provide some clarity for medical aid members who have to make critical decisions while mired in both marketing and technical jargon that does little to ease the decision-making. The 2015 edition of this survey has made some headway in alleviating this burden by separating hybrid plans and presenting its findings on the best medical cover according to distinct groups of plan types. This process has been eased somewhat by many of the medical aid schemes realigning their product offerings along similar lines, with most of them identifiable as hybrid schemes. Plan Range Starter Comprehensive - No Network Starter Comprehensive - Network Starter Comprehensive State Network Starter Core - Network Non-Hospital Plans Core Network Preferred Cost vs Benefit provider for 2015 Per family Liberty Traditional Standard CompCare NetworX CompCare NetworX State Discovery KeyCare Core Unable to make a finding BestMed Beat 1N The 2015 survey has therefore grouped hybrid and standard schemes together and rated them accordingly. We still reflect this in a special division for each hybrid range, as these plans offer additional benefits over and above the Savings Account. This has also had the effect that all In- Hospital costs are not strictly accurate, given that many of the additional, special Out-of-Hospital benefits relating to the hybrid plans particularly, are funded from this risk portion. All of that said, there are some key findings in this year s edition of the survey that medical aid members need to bear in mind. Core No Network Genesis Private Choice Saver - Network CompCare MuMed NN R 501 R 7 900 Saver No Network Profmed ProActive R 0 R 5000 Comprehensive - Network Fedhealth Maxima Standard Net Comprehensive No Network Fedhealth Maxima Basis Traditional Unable to make a finding 8 9

Reason says: admire the difference. Instinct says: cherish the individual. At Grant Thornton, we recruit people with a passion for business, who combine reason and instinct to give the kind of advice that makes a real difference to the organisations they work with. They know it s about more than just the numbers, it s about enjoying tough challenges, seeking out opportunities and adding real value to our clients by unlocking their potential for growth. www.gt.co.za 2015 Grant Thornton South Africa. All rights reserved. Grant Thornton South Africa is a member firm of Grant Thornton International Ltd (GTIL). GTIL and the member firms are not a worldwide partnership. Services are delivered by the member firms. GTIl and its member firms are not agents of, and do not obligate, one another and are not liable for one another s acts or omissions. Please see www.gt.co.za for further details.

Introduction Whilst this survey compares open medical aid schemes with one another, it is not a complete medical aid report/analysis. The purpose of this survey is to highlight the similarities and differences in Medical Aid and Service Providers plans, and their design. These plans have been grouped together (as closely as possible) to enable a better comparison between their biggest cost elements. (See Disclaimer on inside front cover). Categories analysed Network and Non-Network plans: many service providers offer members the opportunity to choose a cheaper option by agreeing to be limited to a Network of hospitals. It would be unfair to compare this limited range of hospital choice type of plan with those that are unlimited. Beginner / Starter Plans: these plans offer members the option of using a limited Network for In-Hospital benefits, along with the Network of Out-of-Hospital Service providers, such as dentists, GPs, opticians, radiologists etc. Premiums are usually salary banded, creating an effective crosssubsidisation between high and low earners. These types of plans are generally Capitation plans, as Network Service Providers are paid a set fee for the number of people serviced/situated in their geographic area, and who are likely to make use of that service provider (per Capita). This type of plan is comparable to the Traditional plans of old and its premium is generally based on different salary levels. This survey has given more weight to the plans that charge lower premiums for the lower salary levels given their applicability to this sector. Core: these are In-Hospital only plans that cover In-Hospital costs and Prescribed Minimum Benefits, and/or chronic illnesses, at the level offered by the selected plan. : these plans offer members In-Hospital benefits with the option of having a small or limited Out-of-Hospital Benefit, usually provided in the form of a Savings Account. Comprehensive with Limited Above-Threshold Benefits Plans: this type of plan has been included in the Saver plan section as it is effectively a Saver plan, with two savings accounts, some of which are separated by a Self Payment Gap. While it may seem unfair to include this plan in the Saver plan section, for the purposes of our survey, you will note that these plan types have been separately compared (outside of the Savings section as well), providing members within these plan types an indication of their plan s performance relative to its peers. Comprehensive Plans: these offer members In-Hospital and Out-of-Hospital benefits that rely on different types of accounts, most commonly known as Savings Accounts. These plan types generally have a Self Payment Gap and an unlimited Above-Threshold Benefit. Executive Plans: this separated plan range has also been removed from this year s report, as it is effectively a Comprehensive Plan with enhanced Benefits (savings and chronic). We have therefore included them in the Comprehensive Plan section and also shown their ratings separately, specifically for our members who are in these plan ranges who wish to compare their performances against others in their peer group. Traditional Plans: an effective comparison of Traditional plans has remained extremely difficult as various medical aid schemes offer a myriad of additional benefits. Given this, the survey has not made any comparisons and merely lists their existence. 12 13

Introduction (continued) Hybrid Plans: While a separation of this category is no longer necessary, you will find the comparison of each hybrid category within its relative group. It is acknowledged that this remains an unfair comparison as the additional costs for these added benefits provided by hybrid plans are funded from the Risk portion of the premium. In addition, these costs have not been deducted in the calculation of the Basic cost. The ratings for these options have been listed separately for ease of comparison for members who are on plans that fall within these categories. Doctor Network Plans: these plans provide Out-of-Hospital benefits only, offering access to a Network of Doctors, but exclude any In-Hospital Benefits. Should a member require hospitalisation, this will be provided by public sector facilities. History of the GTC Medical Aid Annual Survey The GTC Medical Aid Annual survey originated from the need to make informed recommendations to clients on preferred plans and benefits for the coming year. In order to provide clients with proper advice, this required an annual investigation into all available plans, whilst still fulfilling the requirements of the FAIS Act. Over the years, this investigation has evolved into an annual survey that has become a standard referred to by our clients and the industry alike. According to the Council for Medical Schemes Annual Survey released in October 2014, 35.5% of all medical aid costs are In-Hospital, followed by medical specialists (24.5%), most of whom earn their revenue from hospital-related procedures. In-Hospital costs borne by medical schemes therefore could account for approximately 60% of contributions. In an effort to identify the In-Hospital only elements of the medical aid plans, it is understood that many service providers have included an Out-of-Hospital element in their plan designs. These expense accounts assist members with Out-of-Hospital expenses and the cost thereof must be deducted from the overall contribution. Many medical aids schemes have further complicated this comparison by adding additional benefits, such as wellness programmes, immunisations, maternity programs, contraception, MRI and CT scans, and even dentistry benefits. To accommodate these additional benefits, these hybrid type plans have been included in the general overall plan group, but also separated into their own Hybrid Category and re-rated accordingly. These Hybrid plans have been listed and rated separately in previous GTC surveys, but as the majority of plans now include wellness programmes, additional GP visits, or special additional benefits in an effort to differentiate themselves from the balance of the schemes out there, they have been included in the general groups. In preparing the 2015 survey, therefore, it was decided not to separate these schemes, but merely indicate the existence of additional benefits by placing such plan ranges into a special division called the Hybrid range and highlighting that these plans offer additional benefits outside of the Savings Account. It would be difficult to place a value on these additional benefits, which skew In-Hospital costs, given that many of the additional special Out-of-Hospital benefits are funded from the risk portion. Methodology It is important to note that this survey is concerned mainly with the major medical expenses members are likely to incur. These expenses relate mostly to In-Hospital costs, as this is where the bulk of medical aid resources are consumed. Some of the medical aids analysed and compared do provide Out-of-Hospital cover, however, the benefit structures of the Out-of-Hospital benefits between plans were not compared. This exercise can be undertaken upon request (between selected plans), however due to time constraints, this level of analysis has been excluded from this survey. An important difference in the analysis applied in this year s survey relates to how Top-up or Gap cover is accounted for. In previous years we had standardised the In-Hospital benefits by making all plans 500% In-Hospital cover plans. To do this, the benefit provided by the plans were enhanced by the appropriate additional level of Top-up or Gap insurance cover to enable a like for like comparison of In-Hospital benefits across all plan types and ranges. The Top-up Gap providers have standardised their cost for the additional benefit, into a single premium, regardless of the level of additional cover required to enhance In-Hospital benefits to 500%. It would cost the same to enhance 100% as it would a 300% plan. For this year s survey the practice of adding this premium to all medical plans has not been done, with the comparison made on the understanding that the same rand value would be added to all plans to make them all 500% plans. Underwriting and previous medical conditions may prohibit this cover for all members, but for purposes of this survey we have assumed that the Top-up/Gap cover will be provided to everyone. It is acknowledged that all plans provide Prescribed Minimum Benefit levels of cover from risk, inclusive of chronic illness benefits, and that these amounts of cover differ from plan type to plan type. We have not included this analysis in our survey. Some plans extend the number of chronic conditions they cover, which is funded out of Risk. This survey does not take this additional funding into account and provides no acknowledgement to those plans that have enhanced their chronic Illness benefits. Basic cost comparisons The methodology used to arrive at a basic cost for each plan type was to strip each plan down to its basic costs. These basic costs reflect that part of the premium the medical aid is charging, which can be ascribed to their risk costs. 14 15

Introduction (continued) In other words, the Out-of-Hospital benefits (like savings accounts, but not PMBs) have been stripped away. As the Top up/gap cover cost is now calculated at the same rate for all plans, this year s survey has dispensed with the past practice of adding this cost to raise the level of In-Hospital cover to 500%. All premiums in the cost comparison are therefore as quoted by the service providers. Should any of the plans have an Overall Annual Limit, this has been extended to a minimum of R2 million per annum. This additional premium has been added to the premium provided by the service provider, which reflects the overall annual Basic cost per plan type. These Basic costs have been used to arrive at the preferential service providers for Core and Saver type plans. Overall or Complete cost comparisons Comprehensive plans offer members the choice of having a savings plan (or not), and provide an Above-Threshold Benefit, which in most cases is an unlimited additional savings type account to fund Out-of-Hospital expenses. These two accounts are usually separated by a Self Payment Gap. To properly indicate a medical aid member s overall annual expense for the year, one would have to assume that members on the comprehensive plans would make use of their full savings and then cover their Self Payment Gap on their way to reaching the Threshold. They would then benefit by using a substantial amount of the Above-Threshold Benefit, which is unlimited. To arrive at an overall or complete cost for each Comprehensive plan, it is therefore necessary to calculate a total premium for the year, add any Overall Annual Limit extender premium (if required), as well as any Self Payment Gap from their own pocket. This could be expressed as: Premium + Gap + Overall Annual Extender + Self Payment Gap = Complete cost. This calculation assumes that all costs for the year will be accumulated and paid out at 100% of the Medical Aid rate, thus not extending the Self Payment Gap experienced by the member. In reality this does not happen and many of the costs payable are at private rates, which extend or seem to increase the Self Payment Gap. For this reason, the Overall or Complete cost indicated is a theoretical figure that would apply only in extremely rare circumstances. It must be noted that the Self Payment Gap is calculated assuming that members costs for the year are all only at 100%. This calculation is only relevant to Comprehensive Plans, as there is no Self Payment Gap or Above-Threshold Benefit on either the Saver or Core plans. Family size comparisons To further assist with the analysis of costs, these have been divided into three family sizes and our results are reflected accordingly. Family size Primary member Primary member + adult dependant Primary member + adult dependant + 2 children P P + A P + A + 2C Council for Medical Schemes annual report No weight was afforded the annual survey issued by the Council for Medical Schemes, which is available from its website. However, some of the more interesting statistics gathered from the survey, which relate to the service providers that are considered in our own survey, are as follows: (This comparison of the 2010, 2011, 2102 and 2013 statistics provided by the Medical Schemes Council shows whether the scheme is growing or not, has more, or less, pensioners and whether it meets the 25% minimum solvency levels required. These are all very important macro level indicators of the schemes well being). 16 17

Introduction (continued) Comparable No of Principal Members Pensioner Ratio Solvency Ratio 2010 2011 2012 2013 2010 % Bestmed 65 857 69 982 73 181 88 184 11.9 12.7 12.9 11.7 32.4 30.2 28.5 29.2 Bonitas 271 441 267 071 273 285 293 700 4.7 4.9 5.2 6.3 36.5 37.3 35.5 33.3 Cape Medical Plan 6 654 6 225 6 043 6 114 11 11.8 12.4 13 130.1 133.8 140.3 133.1 Compcare 13 319 11 693 12 103 12 610 12.5 12.2 12.3 12.7 30.4 22 45.1 42.1 Discovery 983 862 1 048 504 1 111 438 1 191 987 6.1 6.3 7.3 7.1 24.7 23.5 23.4 24.3 Fedhealth 80 996 73 386 74 402 73 389 8.6 9.8 10.7 11.4 30.7 37 40.9 40.2 Genesis 7 111 7 186 7 442 7 715 5.3 5.6 6.2 6.60 108 114.5 123.4 135.4 Hosmed 37 580 34 807 29 757 27 142 30.5 2.4 2.7 3 14.8 37 23.1 24.5 Liberty 76 680 65 335 58 780 56 555 8.8 10.5 11.7 12.8 27 27.9 26.2 24.4 Medihelp 120 040 122 644 105 307 101 701 19 18.5 12 12.1 27.4 29.3 32.4 30.4 MediMed 4 237 4 746 4 960 5 446 3.6 3.3 3.4 3.5 99.6 102.5 101.7 92 MedShield 82 661 103 789 90 256 79 907 8.6 9.7 10.9 11.6 52.5 36.6 45.3 52.2 Momentum 79 100 92 421 195 235 108 108 8 8.1 8.1 8.2 20.2 23.9 28.6 31 Resolution Health 29 194 31 398 37 326 34 559 3.8 4.1 8.3 8.7 17.6 9.1 6.1 8.1 Selfmed 9 863 8 834 8 601 8 115 21.2 22.9 24.3 26.4 43.1 114.5 116.2 111.2 Sizwe 66 199 62 891 60 610 55 965 6.8 6.6 7 7 32.1 27 25.4 33.9 Spectramed 44 111 35 238 26 203 20 890 8.1 10.3 13 16.4 17 27 44.9 48.5 Suremed 1 575 1 486 1 635 8 582 6.1 6.8 6.7 2.4 76.2 72.4 75.9 29 Topmed 11 381 12 254 12 216 15 253 13.9 14.3 8.2 13.9 34.1 169.2 152.3 123.8 2011 % 2012 % 2013 % 2010 % 2011 % 2012 % 2013 % 18 19

Introduction (continued) Categorisation of plans Below are the tables reflecting which categories the different plans have been placed into. NON Hospital Plans Discovery Primary Care Makoti Primary OcsaCare Network Plans Starter Beginner Plan - COMPREHENSIVE Discovery KeyCare Plus Fedhealth Blue Door Plus Sizwe Gomomo Care Bonitas BonCap Momentum Ingwe Network Momentum Access BestMed Pulse 1 TopMed Network Medshield MediPhila CompCare NetworX Makoti Comprehensive Liberty Traditional Basic Hosmed Essential Resolution Foundation Suremed Explorer Starter Beginner Plan - COMPREHENSIVE STATE Discovery KeyCare Access CompCare NetworX Momentum Ingwe - STATE Starter Beginner Plan - CORE Discovery KeyCare Core Network Plans CORE Network Fedhealth Maxima EntryZone Momentum Custom Assoc Any Momentum Custom Assoc Assoc Momentum Custom Assoc State Discovery Classic Delta Core Discovery Essential Delta Core Discovery Coastal Core BestMed Beat 1 N Spectramed Aqua Hybrid Core Network Medshield Core Plus CompCare Axis N Liberty Hospital Select SAVER Network Fedhealth Maxima EntrySaver Momentum Incentive Assoc Any Momentum Incentive Assoc Assoc Momentum Incentive Assoc State Discovery Classic Delta Saver Discovery Essential Delta Saver Discovery Coastal Saver BestMed Beat 2 N Hybrid Limited Comprehensive Network CompCare Pinnacle - Network CompCare Dynamix - Network Liberty Complete Select Hybrid Saver Network BestMed Beat 3 N Medshield MediBonus Medshield MediPlus Medshield Premium Plus Medshield MediValue Medshield Standard 20 21

Introduction (continued) No Network Plans Plans Starter Beginner Plan - COMPREHENSIVE Momentum Ingwe - ANY Network Plans SAVER Network (continued) CompCare Symmetry N CompCare Mumed N R 0 - R 6000 CompCare Mumed N R 6 001 - R 7 900 CompCare Mumed N R 7 901 - R 15 000 CompCare Mumed N R 15 001+ CompCare Mumed NN R 501 - R 7900 CompCare Mumed NN R 7 901 - R 15 000 CompCare Mumed NN R 15 001+ Liberty Saver Select Hosmed Access R 0 - R 7 000 Hosmed Access R 7 001 - R 10 000 Hosmed Access R 10 001+ Resolution Progressive Flex Topmed Active Saver Comprehensive Fedhealth Maxima Standard Net Momentum Extender Assoc Any Momentum Extender Assoc Assoc Momentum Extender Assoc State Discovery Classic Delta Comprehensive Discovery Essental Delta Comprehensive Traditional CompCare Excess Direct Suremed Challenger TopMed Limited Bonitas BonClassic Liberty Traditional Standard BestMed Beat 1 Discovery Classic Core Discovery Essential Core Fedhealth Maxima Core Momentum Custom Any Any Momentum Custom Any Assoc Momentum Custom Any State TopMed Hospital Hybrid Core No Network Bonitas BonEssential Cape Medical Plan Premium CompCare Axis Genesis Private Genesis Private Choice Liberty Hospital Plus Liberty Hospital Standard Resolution Hospital Suremed Shuttle BestMed Beat 2 Bonitas Standard Cape Medical Plan - Select Discovery Classic Saver Discovery Essential Saver Fedhealth Maxima Saver Fedhealth Ultima 200 CORE No Network SAVER No Network 22 23

Introduction (continued) No Network Plans SAVER No Network (continued) Momentum Incentive Any Any Momentum Incentive Any Assoc Momentum Incentive Any State Momentum Summit Spectramed Azure + R 14 700 Spectramed Azure < R 11 500 Spectramed Azure R 11 500 - R 14 700 Spectramed Capri Spectramed Cobalt Spectramed Cyan + R 10 500 Spectramed Cyan <R 10 500 TopMed Savings Hybrid Limited Comprehensive No Network CompCare Dynamix CompCare Pinnacle Discovery Classic Priority Discovery Essential Priority Liberty Complete Standard Resolution Millennium Hybrid Saver No Network BestMed Beat 3 BestMed Beat 4 BestMed Pace 1 BestMed Pace 2 BestMed Pace 3 R 0 - R 8 208 BestMed Pace 3 R 8 209 + BestMed Pace 4 No Network Plans SAVER No Network (continued) Hybrid Saver No Network (continued) Bonitas BonSave Bonitas Primary Cape Medical Plan - Silver CompCare Mumed R 15 001+ CompCare Mumed R 501 - R 6000 CompCare Mumed R 6 001 - R 7 900 CompCare Mumed R 7 901 - R 15 000 CompCare Symmetry Genesis Private Comprehensive Genesis Private Plus Hosmed Plus Hosmed Value R 0 - R 7000 Hosmed Value R 7001+ Liberty Saver Plus Liberty Saver Standard Liberty Traditional Ultimate Profmed ProActive Plus Profmed ProActive R 0 - R 5 000 Profmed ProActive R 5 001 - R 9000 Profmed ProActive R 9 001+ Profmed ProPinnacle Profmed ProSecure Plus Profmed ProSecure R 0 - R 9000 Profmed ProSecure R 9 001+ Resolution Classic Resolution Supreme Sizwe Affordable Care R 0 - R 13 400 Sizwe Affordable Care R 13 401 + Sizwe Full Benefit R 0 - R 16 800 Sizwe Full Benefit R 16 801 + 24 25

Introduction (continued) Results and comparison No Network Plans SAVER No Network (continued) Hybrid Saver No Network (continued) Sizwe Primary Care R 0 - R 7 800 Sizwe Primary Care R 7 801 + Sizwe Savings Care R 0 - R 13 400 Sizwe Savings Care R 13 401+ Suremed Navigator Limited Comprehensive No Network TopMed Paladin Comprehensive COMPREHENSIVE No Network Discovery Classic Comprehensive Discovery Classic Comprehensive R0 MSA Discovery Essential Comprehensive Fedhealth Maxima Basis Fedhealth Maxima Standard Momentum Extender Any Any Momentum Extender Any Assoc Momentum Extender Any State TopMed Professional Hybrid Comprehensive No Network Bonitas BonComprehensive Discovery Executive Extended Comprehensive Fedhealth Maxima Exec Fedhealth Maxima Plus Fedhealth Ultimax Liberty Complete Plus TopMed Rainbow Comprehensive 26 27

Results and comparison (continued) To enable an understanding of the methodology behind the comparisons, please see below an example of how these calculations are performed. For ease of understanding and demonstration, the Discovery Classic Comprehensive plan, that falls within the Comprehensive range mentioned above, has been used. Example This is an example of our comparison table: The Basic costs reflected on the table are an accumulation of the premiums for the year (Medical Aid and Top Ups), less the Annual Medical Savings Account allocation reflected. The Complete costs are the Total Premium (Medical Aid + Top Ups) PLUS any amount in the Self Payment Gap, reflecting the total premium payable for this member to enjoy cover at 100% for the year. A manipulation of the data provided by Discovery, in this case, has facilitated the comparison table, upon which this survey has been based. Comparison tables are prepared for each of the plans considered in this survey. Example Discovery Classic Comprehensive Premium Cumulative Top up premium Subtotal per month Total per annum (R) (R) (R) (R) (R) Single member 3 696 3 696 0 3 696 44 352 Spouse / Adult dependant 3 496 7 192 0 7 192 86 304 Child 737 8 666 0 8 666 103 992 Monthly Savings Total Cumulative Premium (R) (R) (MSA) +OHEB Single member 924 11 088 11 088 33 264 Spouse / Adult dependant 874 10 488 21 576 64 728 Child 184 2 208 78 000 25 992 Annual Threshold Total Cumulative Premium (R) (R) (MSA) +OHEB + SP Single member 12 590 12 590 34 766 Spouse / Adult dependant 12 590 25 180 68 332 Child 2 380 29 940 81 948 Self Payment Gap Total Cumulative Premium (R) (R) + SPG Single member 1 502 1 502 45 854 Spouse / Adult dependant 2 102 3 604 89 908 Child 172 3 948 107 940 Brief Description of Plan % in hospital 200% Overall annual limit No Above threshold benefit Unlimited Network No 28 29

Non-Hospital Plans NON Hospital Plans Single Members Non-Hospital Plans Salary Band R 0 - R 1 000 R 1 001 - R 2 000 R 2 001 - R 3 000 R 3 001 - R 4 000 R 4 001 - R 5 000 R 5 001 - R 6 000 R 6001 - R 7 000 R 7 001 - R 8 000 R 8 001 - R 9 000 R 9 001 - R 10 000 R 10 001 - R 11 000 R 11 001 - R 12 000 R 12 000 - R 13 000 R 13 001 + Rating Plan Name Discovery Primary Care 2388 2388 2388 2388 2388 2388 2388 2388 2388 2388 2388 2388 2388 2388 Makoti Primary 2952 3948 3948 5664 5664 5664 5664 5664 6084 6084 6084 6516 6516 7008 OcsaCare 2268 2268 2268 2268 2268 2268 2268 2268 2268 2268 2268 2268 2268 2268 1 Member + 1 Adult Dep Makoti Primary 5904 7896 7896 10344 10344 10344 10344 10344 11004 11004 11004 11748 11748 12456 1 Member + Adult Dep + 2 Children Makoti Primary 9576 11712 11712 14520 14520 14520 14520 14520 15492 15492 15492 16500 16500 17472 1 30 31

Starter Beginner Plans - COMPREHENSIVE No Network Starter Beginner Plans Single Member Salary Band R 0 - R 4000 Plan Name R 4 001 - R 5000 R 5001 - R 6000 R 6001 - R 7000 R 7 001 - R 8000 Liberty Traditional Standard 18012 18012 18012 18012 18012 18012 18012 18012 18012 18012 18012 1 Momentum Ingwe - ANY 4860 9888 13548 13548 18288 18288 23232 23232 23232 23232 23232 2 Starter Beginner Plan - COMPREHENSIVE - Member + Adult Dep R 8 001 - R 9 000 R 9 001 - R 10 000 R 10 001 - R 11 000 R 11 001 - R 12 000 R 12 000- R 13 000 R 13 001 + Rating Starter Beginner Plans Liberty Traditional Standard 31284 31284 31284 31284 31284 31284 31284 31284 31284 31284 31284 1 Momentum Ingwe - ANY 9048 19104 26424 26424 35136 35136 45288 45288 45288 45288 45288 2 Starter Beginner Plan - COMPREHENSIVE - Member + Adult Dep + 2 Children Liberty Traditional Standard 41484 41484 41484 41484 41484 41484 41484 41484 41484 41484 41484 1 Momentum Ingwe - ANY 13632 19104 34200 34200 43392 43392 58392 57720 57720 57720 57720 2 32 33

Starter Beginner Plans - CORE Network Starter Beginner Plans Single Member Salary Band R 0 - R 4000 Plan Name R 4 001 - R 5000 R 5001 - R 6000 R 6001 - R 7000 Discovery KeyCare Core 7332 7332 7332 7332 9144 9144 9144 14112 14112 1 Member + Adult Dep Discovery KeyCare Core 14664 14664 14664 14664 18288 18288 18288 28224 28224 1 R 7 001 - R 8000 R 8 001 - R 9 000 R 9 001 - R 10 000 R 10 001 - R 11 000 R 11 001 - R 12 000 Rating Starter Beginner Plans Member + Adult Dep + 2 Children Discovery KeyCare Core 18456 18456 18456 18456 22776 22776 22776 34584 34584 1 34 35

Starter Beginner Plans - COMPREHENSIVE STATE Network Starter Beginner Plans Single member Salary Band Plan Name R 0 - R 4000 R 4 001 - R 5 000 R 5 001 - R 6 000 R 6 001 - R 7 000 R 7 001 - R 8 000 CompCare NetworX 4236 6096 6096 6468 6468 6468 6852 13512 13512 13512 13512 1 Discovery KeyCare Access 6456 8616 8616 8616 12432 12432 12432 18672 18672 18672 18672 3 Momentum Ingwe - STATE 5676 5676 6480 6480 7572 7572 13152 13152 13152 13152 13152 2 R 8 001 - R 9 000 R 9 001 - R 10 000 R 10 001 - R 11 000 R 11 001 - R 12 000 R 12 000- R 13 000 R 13 001 + Rating Starter Beginner Plans Member + 1 Adult Dep CompCare NetworX 8388 11244 11244 12612 12612 12612 13368 25668 25668 25668 25668 1 Discovery KeyCare Access 12912 17232 17232 17232 24864 24864 24864 37344 37344 37344 37344 3 Momentum Ingwe - STATE 11352 11352 12960 12960 15144 15144 25716 25716 25716 25716 25716 2 Member + Adult Dep + 2 Children CompCare NetworX 12564 12564 16404 16404 18756 18756 19896 37668 37668 37668 37668 1 Discovery KeyCare Access 18552 23424 23424 23424 31872 31872 31872 47424 47424 47424 47424 3 Momentum Ingwe - STATE 17472 17472 19200 19200 21696 21696 33636 33636 33636 33636 33636 2 36 37

Starter Beginner Plans - COMPREHENSIVE Network Starter Beginner Plans Single Members Salary Band Plan Name R 0 - R 4000 R 4 001 - R 5 000 R 5 001 - R 6 000 R 6 001 - R 7 000 R 7 001 - R 8 000 BestMed Pulse 1 12348 12348 14820 14820 14820 17796 17796 17796 17796 17796 17796 Bonitas BonCap 8100 8100 8100 9852 9852 9852 16056 16056 16056 16056 19716 CompCare NetworX 6276 6480 7752 8112 8112 9900 10464 18684 18684 18684 18684 1 R 8 001 - R 9 000 R 9 001 - R 10 000 R 10 001 - R 11 000 R 11 001 - R 12 000 R 12 000- R 13 000 R 13 001 + Rating Starter Beginner Plans Discovery KeyCare Plus 9168 9168 9168 9168 12828 12828 12828 19104 19104 19104 19104 Fedhealth Blue Door Plus 7860 7860 9972 9972 9972 13980 13980 17760 24084 24084 24084 Hosmed Essential 11208 11208 11208 11208 16368 16368 16368 16368 16368 20292 20292 Liberty Traditional Basic 9792 9792 9792 13680 13680 19236 19236 19236 19236 19236 19236 Makoti Comprehensive 15252 15252 15252 15252 15252 17640 17640 17640 19020 19020 20844 Medshield MediPhila 11424 11424 11424 11424 11424 11424 11424 11424 11424 11424 11424 2 Momentum Access 18828 18828 18828 18828 18828 18828 18828 18828 18828 18828 18828 Momentum Ingwe Network 7764 7764 9708 9708 13272 13272 18528 18528 18528 18528 18528 3 Resolution Foundation 8580 10248 10248 12984 12984 12984 19620 19620 19620 19620 19620 Sizwe Gomono Care 7800 7800 7800 11520 17040 17040 21120 21120 21120 21120 21120 Suremed Explorer 9000 9000 9000 9000 11040 11040 11040 11040 24756 24756 24756 TopMed Network 10032 12768 12768 12768 16488 16488 16488 16488 16488 16488 20832 38 39

Starter Beginner Plans - COMPREHENSIVE Network (continued) Starter Beginner Plans Member + 1 Adult Dep Salary Band Plan Name R 0 - R 4000 R 4 001 - R 5 000 R 5 001 - R 6 000 R 6 001 - R 7 000 R 7 001 - R 8 000 BestMed Pulse 1 24084 24084 28908 28908 28908 33804 33804 33804 33804 33804 33804 Bonitas BonCap 15780 15780 15780 19164 19164 19164 30360 30360 30360 30360 37272 CompCare NetworX 12240 12636 15108 15828 15828 18684 34896 34896 34896 34896 34896 1 R 8 001 - R 9 000 R 9 001 - R 10 000 R 10 001 - R 11 000 R 11 001 - R 12 000 R 12 000- R 13 000 R 13 001 + Rating Starter Beginner Plans Discovery KeyCare Plus 18336 18336 18336 18336 25656 25656 25656 38208 38208 38208 38208 Fedhealth Blue Door Plus 14376 14376 18204 18204 18204 25584 25584 31680 44952 44952 44952 Hosmed Essential 20808 20808 20808 20808 30672 30672 30672 30672 30672 38172 38172 Liberty Traditional Basic 18636 18636 18636 25668 25668 36348 36348 36348 36348 36348 36348 Makoti Comprehensive 28392 28392 28392 28392 28392 32328 32328 32328 34980 34980 38724 Medshield MediPhila 22008 22008 22008 22008 22008 22008 22008 22008 22008 22008 22008 2 Momentum Access 36732 36732 36732 36732 36732 36732 36732 36732 36732 36732 36732 Momentum Ingwe Network 14856 14856 18744 18744 25488 25488 35844 35844 35844 35844 35844 Resolution Foundation 17160 20496 20496 25968 25968 25968 39240 39240 39240 39240 39240 Sizwe Gomono Care 15540 15540 15540 22920 32880 32880 37800 37800 37800 37800 37800 Suremed Explorer 17100 17100 17100 17100 21000 21000 21000 21000 44508 44508 44508 3 TopMed Network 19392 24864 24864 24864 32304 32304 32304 32304 32304 32304 40992 40 41

Starter Beginner Plans - COMPREHENSIVE Network (continued) Starter Beginner Plans Member + Adult Dep + 2 Children Salary Band Plan Name R 0 - R 4000 R 4 001 - R 5 000 R 5 001 - R 6 000 R 6 001 - R 7 000 R 7 001 - R 8 000 BestMed Pulse 1 38916 38916 46692 46692 46692 51588 51588 51588 51588 51588 51588 Bonitas BonCap 23412 23412 23412 28188 28188 28188 42528 42528 42528 42528 52224 CompCare NetworX 16632 17172 20556 21516 21516 25164 26640 47520 47520 47520 47520 1 R 8 001 - R 9 000 R 9 001 - R 10 000 R 10 001 - R 11 000 R 11 001 - R 12 000 R 12 000- R 13 000 R 13 001 + Rating Starter Beginner Plans Discovery KeyCare Plus 24960 24960 24960 24960 32856 32856 32856 48432 48432 48432 48432 Fedhealth Blue Door Plus 21840 21840 27804 27804 27804 36144 36144 45408 63096 63096 63096 3 Hosmed Essential 29352 29352 29352 29352 45840 45840 45840 45840 45840 53340 53340 Liberty Traditional Basic 26076 26076 26076 33972 33972 47772 47772 47772 47772 47772 47772 Makoti Comprehensive 38520 38520 38520 38520 38520 43824 43824 43824 47316 47316 52284 Medshield MediPhila 27336 27336 27336 27336 27336 27336 27336 27336 27336 27336 27336 2 Momentum Access 48012 48012 48012 48012 48012 48012 48012 48012 48012 48012 48012 Momentum Ingwe Network 21360 21360 25512 25512 32904 32904 46356 46356 46356 46356 46356 Resolution Foundation 22320 27552 27552 34248 34248 34248 52704 52704 52704 52704 52704 Sizwe Gomono Care 22020 22020 22020 31560 41040 41040 46200 46200 46200 46200 46200 Suremed Explorer 25260 25260 25260 25260 30960 30960 30960 30960 59220 59220 59220 TopMed Network 27168 36096 36096 36096 46992 46992 46992 46992 46992 46992 59376 42 43

CORE Network Single Member Plan Name Cost Overall Rating / 12 Core / 9 Hybrid Core / 3 BestMed Beat 1 N 11292 1 1 Discovery Classic Delta Core 15528 9 7 Discovery Coastal Core 14340 8 6 Discovery Essential Delta Core 13320 6 5 Fedhealth Maxima EntryZone 12876 4 4 Momentum Custom Assoc Any 17316 11 9 Core Plans Momentum Custom Assoc Assoc 15636 10 8 Momentum Custom Assoc State 12816 3 3 Spectramed Aqua 12540 2 2 Core Plans Hybrid Core Network CompCare Axis N 12924 5 1 Liberty Hospital Select 13716 7 2 Medshield Core Plus 20016 12 3 44 45

CORE Network (continued) Member + 1 Adult Dep Plan Name Cost Overall Rating / 12 Core / 9 Hybrid Core / 3 BestMed Beat 1 N 20064 1 1 Discovery Classic Delta Core 27744 8 6 Discovery Coastal Core 25092 5 5 Discovery Essential Delta Core 23316 4 4 Fedhealth Maxima EntryZone 22500 2 2 Momentum Custom Assoc Any 30972 9 7 Core Plans Momentum Custom Assoc Assoc 27744 8 6 Momentum Custom Assoc State 22500 2 2 Spectramed Aqua 23208 3 3 Core Plans Hybrid Core Network CompCare Axis N 25848 7 2 Liberty Hospital Select 25272 6 1 Medshield Core Plus 36864 10 3 46 47

CORE Network (continued) Member + Adult Dep + 2 Children Plan Name Cost Overall Rating / 12 Core / 9 Hybrid Core / 3 BestMed Beat 1 N 29568 1 1 Discovery Classic Delta Core 40152 10 8 Discovery Coastal Core 36540 8 6 Discovery Essential Delta Core 33996 6 5 Fedhealth Maxima EntryZone 31164 2 2 Momentum Custom Assoc Any 43188 11 9 Core Plans Momentum Custom Assoc Assoc 38808 9 7 Momentum Custom Assoc State 31572 4 4 Spectramed Aqua 31560 3 3 Core Plans Hybrid Core Network CompCare Axis N 33984 5 1 Liberty Hospital Select 35688 7 2 Medshield Core Plus 45936 12 3 48 49

CORE No Network Single Member Plan Name Cost Overall Rating / 17 Core / 7 Hybrid Core /10 BestMed Beat 1 12552 2 1 Discovery Classic Core 19404 15 6 Discovery Essential Core 16668 11 3 Fedhealth Maxima Core 18348 13 4 Momentum Custom Any Any 20460 16 7 Momentum Custom Any Assoc 18876 14 5 Core Plans Momentum Custom Any State 16152 9 2 Hybrid Core Network Bonitas BonEssential 14292 5 4 Core Plans Cape Medical Plan Premium 14400 6 5 CompCare Axis 17232 12 9 Genesis Private 16080 8 7 Genesis Private Choice 10800 1 1 Liberty Hospital Plus 24876 17 10 Liberty Hospital Standard 16380 10 8 Resolution Hospital 14796 7 6 Suremed Shuttle 13800 3 2 TopMed Hospital 14016 4 3 50 51

CORE No Network (continued) Member + 1 Adult Dep Plan Name Cost Overall Rating / 17 Core / 7 Hybrid Core /10 BestMed Beat 1 22296 2 1 Discovery Classic Core 34668 14 6 Discovery Essential Core 29148 8 3 Fedhealth Maxima Core 33888 12 5 Momentum Custom Any Any 36888 15 7 Momentum Custom Any Assoc 33612 11 4 Core Plans Momentum Custom Any State 28344 6 2 Hybrid Core No Network Bonitas BonEssential 25224 4 3 Core Plans Cape Medical Plan Premium 28800 7 5 CompCare Axis 34464 13 8 Genesis Private 32160 10 7 Genesis Private Choice 21600 1 1 Liberty Hospital Plus 47256 16 9 Liberty Hospital Standard 30192 9 6 Resolution Hospital 27384 5 4 Suremed Shuttle 24000 3 2 TopMed Hospital 25224 4 3 52 53

CORE No Network (continued) Member + 1 Adult Dep + 2 Children Plan Name Cost Overall Rating / 17 Core / 7 Hybrid Core /10 BestMed Beat 1 32856 2 1 Discovery Classic Core 50172 15 6 Discovery Essential Core 42516 10 3 Fedhealth Maxima Core 46704 13 4 Momentum Custom Any Any 51504 16 7 Momentum Custom Any Assoc 47316 14 5 Core Plans Momentum Custom Any State 40176 9 2 Hybrid Core No Network Bonitas BonEssential 33600 3 2 Core Plans Cape Medical Plan Premium 33840 4 3 CompCare Axis 45120 12 9 Genesis Private 38640 8 7 Genesis Private Choice 27660 1 1 Liberty Hospital Plus 63336 17 10 Liberty Hospital Standard 42648 11 8 Resolution Hospital 38424 7 6 Suremed Shuttle 35040 5 4 TopMed Hospital 36600 6 5 54 55

SAVER Network Single Member Plan Name Cost Overall Rating / 31 Saver / 4 Hybrid Saver Network / 24 Hybrid Ltd Comp Net / 3 BestMed Beat 2 N 11400 4 1 Momentum Incentive Assoc Any 21948 26 4 Momentum Incentive Assoc Assoc 20172 25 3 Momentum Incentive Assoc State 15024 14 2 Hybrid Limited Comprehensive Network CompCare Dynamix - Network 26076 29 3 CompCare Pinnacle - Network 24935 28 2 Liberty Complete Select 18194 19 1 Hybrid Saver Network BestMed Beat 3 N 17592 18 16 CompCare Mumed N R 0 - R 6000 11328 3 3 CompCare Mumed N R 15 001+ 16380 17 15 CompCare Mumed N R 6 001 - R 7 900 12924 7 6 CompCare Mumed N R 7 901 - R 15 000 14352 12 11 CompCare Mumed NN R 15 001+ 13404 9 8 CompCare Mumed NN R 501 - R 7900 10320 1 1 CompCare Mumed NN R 7 901 - R 15 000 11628 6 5 CompCare Symmetry N 20052 23 20 Discovery Classic Delta Saver 15612 16 14 Discovery Coastal Saver 15396 15 13 Discovery Essential Delta Saver 14064 10 9 Fedhealth Maxima EntrySaver 13356 8 7 Hosmed Access R 0 - R 7 000 15004 13 12 56 57

SAVER Network (continued) Single Member (continued) Plan Name Cost Overall Rating / 31 Saver / 4 Hybrid Saver Network / 24 Hybrid Ltd Comp Net / 3 Hybrid Saver Network (continued) Hosmed Access R 7 001 - R 10 000 19396 21 18 Hosmed Access R 10 001+ 23848 27 22 Liberty Saver Select 14136 11 10 Medshield MediBonus 32084 31 24 Medshield MediPlus 19538 22 19 Medshield MediValue 11242 2 2 Medshield Premium Plus 30348 30 23 Medshield Standard 20088 24 21 Resolution Progressive Flex 18536 20 17 TopMed Saver Active 11472 5 4 58 59

SAVER Network (continued) Member + 1 Adult Dep Plan Name Cost Overall Rating / 31 Saver / 4 Hybrid Saver Network / 24 Hybrid Ltd Comp Net / 3 BestMed Beat 2 N 20256 3 1 Momentum Incentive Assoc Any 39612 26 4 Momentum Incentive Assoc Assoc 36216 21 3 Momentum Incentive Assoc State 26808 13 2 Hybrid Limited Comprehensive Network CompCare Dynamix - Network 46416 29 3 CompCare Pinnacle - Network 42646 27 2 Liberty Complete Select 31143 19 1 Hybrid Saver Network BestMed Beat 3 N 30096 18 16 CompCare Mumed N R 0 - R 6000 20232 2 2 CompCare Mumed N R 15 001+ 29328 17 15 CompCare Mumed N R 6 001 - R 7 900 23088 7 6 CompCare Mumed N R 7 901 - R 15 000 25788 12 11 CompCare Mumed NN R 15 001+ 24024 8 7 CompCare Mumed NN R 501 - R 7900 18576 1 1 CompCare Mumed NN R 7 901 - R 15 000 20892 4 3 CompCare Symmetry N 36588 22 18 Discovery Classic Delta Saver 27924 15 13 Discovery Coastal Saver 26940 14 12 Discovery Essential Delta Saver 24636 10 9 Fedhealth Maxima EntrySaver 22392 5 4 Hosmed Access R 0 - R 7 000 28404 16 14 60 61

SAVER Network (continued) Member + 1 Adult Dep (continued) Plan Name Cost Overall Rating / 31 Saver / 4 Hybrid Saver Network / 24 Hybrid Ltd Comp Net / 3 Hybrid Saver Network (continued) Hosmed Access R 7 001 - R 10 000 36612 23 19 Hosmed Access R 10 001+ 44880 28 22 Liberty Saver Select 25740 11 10 Medshield MediBonus 55964 30 23 Medshield MediPlus 35080 20 17 Medshield MediValue 24054 9 8 Medshield Premium Plus 58788 31 24 Medshield Standard 37296 25 21 Resolution Progressive Flex 37004 24 20 TopMed Saver Active 22944 6 5 62 63

SAVER Network (continued) Member + 1 Adult Dep + 2 Children Plan Name Cost Overall Rating / 31 Saver / 4 Hybrid Saver Network / 24 Hybrid Ltd Comp Net / 3 BestMed Beat 2 N 29856 4 1 Momentum Incentive Assoc Any 56004 26 4 Momentum Incentive Assoc Assoc 51552 25 3 Momentum Incentive Assoc State 38448 15 2 Hybrid Limited Comprehensive Network CompCare Dynamix - Network 60864 28 3 CompCare Pinnacle - Network 60825 27 2 Liberty Complete Select 39481 17 1 Hybrid Saver Network BestMed Beat 3 N 43680 20 17 CompCare Mumed N R 0 - R 6000 26544 2 2 CompCare Mumed N R 15 001+ 38352 14 13 CompCare Mumed N R 6 001 - R 7 900 30408 5 4 CompCare Mumed N R 7 901 - R 15 000 33780 11 10 CompCare Mumed NN R 15 001+ 31512 9 8 CompCare Mumed NN R 501 - R 7900 24408 1 1 CompCare Mumed NN R 7 901 - R 15 000 27444 3 3 CompCare Symmetry N 48540 23 20 Discovery Classic Delta Saver 40476 18 15 Discovery Coastal Saver 39324 16 14 Discovery Essential Delta Saver 35916 12 11 Fedhealth Maxima EntrySaver 30504 6 5 Hosmed Access R 0 - R 7 000 33540 10 9 64 65

SAVER Network (continued) Member + 1 Adult Dep + 2 Children (continued) Plan Name Cost Overall Rating / 31 Saver / 4 Hybrid Saver Network / 24 Hybrid Ltd Comp Net / 3 Hybrid Saver Network (continued) Hosmed Access R 7 001 - R 10 000 42516 19 16 Hosmed Access R 10 001+ 51552 25 22 Liberty Saver Select 36156 13 12 Medshield MediBonus 69182 29 23 Medshield MediPlus 44040 21 18 Medshield MediValue 30634 8 7 Medshield Premium Plus 70164 30 24 Medshield Standard 47088 22 19 Resolution Progressive Flex 49700 24 21 TopMed Saver Active 30528 7 6 66 67

SAVER No Network Single Member Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 BestMed Beat 2 12660 6 1 Bonitas Standard 19345 33 6 Cape Medical Plan - Select 40800 63 15 Fedhealth Ultima 200 28392 55 13 Momentum Incentive Any Any 24264 45 12 Momentum Incentive Any Assoc 21756 39 9 Momentum Incentive Any State 18288 27 5 Momentum Summit 52716 67 6 Spectramed Azure < R 11 500 20998 38 8 Spectramed Azure R 11 500 - R 14 700 22306 42 10 Spectramed Azure R 14 700 + 23602 43 11 Spectramed Capri 16500 16 3 Spectramed Cobalt 30902 58 14 Spectramed Cyan <R 10 500 14196 11 2 Spectramed Cyan R 10 500 + 19956 35 7 TopMed Savings 17520 22 4 Hybrid Limited Comprehensive No Network CompCare Dynamix 27117 52 5 CompCare Pinnacle 32519 60 7 Discovery Classic Priority 12968 8 2 Discovery Essential Priority 12392 5 1 Liberty Complete Standard 20150 36 3 Resolution Millennium 25609 51 4 TopMed Paladin Comprehensive 27564 53 6 68 69

SAVER No Network (continued) Single Member (continued) Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 Hybrid Saver No Network BestMed Beat 3 19548 34 27 BestMed Beat 4 18464 31 24 BestMed Pace 1 15728 15 11 BestMed Pace 2 24600 47 33 BestMed Pace 3 R 0 - R 8 208 34116 61 41 BestMed Pace 3 R 8 209 + 40980 64 43 BestMed Pace 4 29248 56 38 Bonitas BonSave 17040 20 15 Bonitas Primary 11180 4 4 Cape Medical Plan - Silver 14244 12 8 CompCare Mumed R 501 - R 6000 14532 13 9 CompCare Mumed R 6 001 - R 7 900 16548 17 12 CompCare Mumed R 7 901 - R 15 000 18408 28 21 CompCare Mumed R 15 001 + 20940 37 28 CompCare Symmetry 25128 49 35 Discovery Classic Saver 19548 34 26 Discovery Essential Saver 17604 24 18 Fedhealth Maxima Saver 18852 32 25 Genesis Private Comprehensive 17280 21 16 Genesis Private Plus 16620 18 13 Hosmed Plus 30976 59 40 Hosmed Value R 0 - R 7000 18044 25 19 70 71

SAVER No Network (continued) Single Member (continued) Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 Hybrid Saver No Network (continued) Hosmed Value R 7 001 + 22004 41 30 Liberty Saver Plus 27588 54 37 Liberty Saver Standard 18456 30 23 Liberty Traditional Ultimate 46424 66 45 Profmed ProActive Plus 15400 14 10 Profmed ProActive R 0 - R 5 000 5872 1 1 Profmed ProActive R 5 001 - R 9000 10024 2 2 Profmed ProActive R 9 001 + 13624 10 7 Profmed ProPinnacle 42624 65 44 Profmed ProSecure Plus 24841 48 34 Profmed ProSecure R 0 - R 9000 10513 3 3 Profmed ProSecure R 9 001 + 18421 29 22 Resolution Classic 23784 44 31 Resolution Supreme 21914 40 29 Sizwe Affordable Care R 0 - R13 400 16800 19 14 Sizwe Afford Care R 13 400 + 29400 57 39 Sizwe Full Benefit R 0 - R 16 800 25130 50 36 Sizwe Full Benefit R 16 801 + 34970 62 42 Sizwe Primary Care R 0 - R 7 800 12810 7 5 Sizwe Primary Care R 7 801 + 18090 26 20 Sizwe Savings Care R 0 - R 13 400 17544 23 17 Sizwe Savings Care R 13 401 + 24372 46 32 Suremed Navigator 13231 9 6 72 73

SAVER No Network Member + 1 Adult Dep Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 BestMed Beat 2 22500 4 1 Bonitas Standard 39056 40 9 Cape Medical Plan - Select 81600 65 15 Fedhealth Ultima 200 52464 56 13 Momentum Incentive Any Any 43968 45 12 Momentum Incentive Any Assoc 39204 41 10 Momentum Incentive Any State 32700 24 5 Momentum Summit 90912 68 16 Spectramed Azure < R 11 500 34100 31 6 Spectramed Azure R 11 500 - R 14 700 38132 38 7 Spectramed Azure R 14 700 + 42428 43 11 Spectramed Capri 29652 16 3 Spectramed Cobalt 63502 61 14 Spectramed Cyan <R 10 500 27708 14 2 Spectramed Cyan R 10 500 + 38916 39 8 TopMed Savings 30600 20 4 Hybrid Limited Comprehensive No Network CompCare Dynamix 47202 50 4 CompCare Pinnacle 56146 57 7 Discovery Classic Priority 23874 7 2 Discovery Essential Priority 22806 5 1 Liberty Complete Standard 37071 35 3 Resolution Millennium 47344 51 5 TopMed Paladin Comprehensive 50616 53 6 74 75

SAVER No Network (continued) Member + 1 Adult Dep (continued) Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 Hybrid Saver No Network BestMed Beat 3 33432 28 21 BestMed Beat 4 32120 23 17 BestMed Pace 1 24428 8 5 BestMed Pace 2 47880 52 35 BestMed Pace 3 R 0 - R 8 208 61416 60 40 BestMed Pace 3 R 8 209 + 73668 63 42 BestMed Pace 4 69096 62 41 Bonitas BonSave 30240 19 14 Bonitas Primary 22936 6 4 Cape Medical Plan - Silver 28488 15 11 CompCare Mumed R 501 - R 6000 25968 10 7 CompCare Mumed R 6 001 - R 7 900 29664 17 12 CompCare Mumed R 7 901 - R 15 000 32964 26 19 CompCare Mumed R 15 001 + 37452 36 27 CompCare Symmetry 45624 47 32 Discovery Classic Saver 34944 34 26 Discovery Essential Saver 30804 21 15 Fedhealth Maxima Saver 34200 32 24 Genesis Private Comprehensive 34560 33 25 Genesis Private Plus 33240 27 20 Hosmed Plus 47100 49 34 Hosmed Value R 0 - R 7000 26954 13 10 76 77

SAVER No Network (continued) Member + 1 Adult Dep (continued) Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 Hybrid Saver No Network (continued) Hosmed Value R 7001 + 33662 30 23 Liberty Saver Plus 52392 55 37 Liberty Saver Standard 33588 29 22 Liberty Traditional Ultimate 84724 66 44 Profmed ProActive Plus 29672 18 13 Profmed ProActive R 0 - R 5 000 11744 1 1 Profmed ProActive R 5 001 - R 9000 20048 2 2 Profmed ProActive R 9 001 + 26180 12 9 Profmed ProPinnacle 88962 67 45 Profmed ProSecure Plus 52064 54 36 Profmed ProSecure R 0 - R 9000 25988 11 8 Profmed ProSecure R 9 001 + 39716 42 29 Resolution Classic 44712 46 31 Resolution Supreme 46964 48 33 Sizwe Affordable Care R 0 - R 13 400 37730 37 28 Sizwe Affordable Care R 13 401 + 60770 59 39 Sizwe Full Benefit R 0 - R 16 800 57980 58 38 Sizwe Full Benefit R 16 801 + 76820 64 43 Sizwe Primary Care R 0 - R 7 800 25020 9 6 Sizwe Primary Care R 7 801 + 31380 22 16 Sizwe Savings Care R 0 - R 13 400 32736 25 18 Sizwe Savings Care R 13 401 + 43956 44 30 Suremed Navigator 22190 3 3 78 79

SAVER No Network (continued) Member + 1 Adult Dep + 2 Children Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 BestMed Beat 2 33156 6 1 Bonitas Standard 51226 39 8 Cape Medical Plan - Select 93960 66 16 Fedhealth Ultima 200 69384 54 13 Momentum Incentive Any Any 62856 49 12 Momentum Incentive Any Assoc 56316 43 10 Momentum Incentive Any State 47148 32 6 Momentum Summit 84624 62 14 Spectramed Azure < R 11 500 43604 26 4 Spectramed Azure R 11 500 - R 14 700 50660 38 7 Spectramed Azure R 14 700 + 58580 45 11 Spectramed Capri 44652 27 5 Spectramed Cobalt 86532 63 15 Spectramed Cyan <R 10 500 39060 16 2 Spectramed Cyan R 10 500 + 54900 41 9 TopMed Savings 41208 22 3 Hybrid Limited Comprehensive No Network CompCare Dynamix 65034 53 6 CompCare Pinnacle 78372 61 7 Discovery Classic Priority 35310 11 2 Discovery Essential Priority 33738 8 1 Liberty Complete Standard 48121 34 3 Resolution Millennium 60602 47 4 TopMed Paladin Comprehensive 63648 50 5 80 81

SAVER No Network (continued) Member + 1 Adult Dep + 2 Children (continued) Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 Hybrid Saver No Network BestMed Beat 3 48528 35 26 BestMed Beat 4 46064 30 23 BestMed Pace 1 36500 12 9 BestMed Pace 2 63744 51 34 BestMed Pace 3 R 0 - R 8 208 74064 59 40 BestMed Pace 3 R 8 209 + 87396 64 42 BestMed Pace 4 95544 67 44 Bonitas BonSave 40464 20 16 Bonitas Primary 33192 7 6 Cape Medical Plan - Silver 32808 5 5 CompCare Mumed R 501 - R 6000 34128 9 7 CompCare Mumed R 6 001 - R 7 900 39024 15 12 CompCare Mumed R 7 901 - R 15 000 43332 25 20 CompCare Mumed R 15 001 + 49164 36 27 CompCare Symmetry 60432 46 32 Discovery Classic Saver 50592 37 28 Discovery Essential Saver 44892 28 21 Fedhealth Maxima Saver 45048 29 22 Genesis Private Comprehensive 41040 21 17 Genesis Private Plus 39720 17 13 Hosmed Plus 55084 42 30 Hosmed Value R 0 - R 7000 32001 4 4 Hosmed Value R 7001 + 39885 18 14 82 83

SAVER No Network (continued) Member + 1 Adult Dep + 2 Children (continued) Plan Name Cost Overall Rating / 68 Saver / 16 Hybrid Saver / 45 Hybrid Ltd Comp / 7 Hybrid Saver No Network (continued) Liberty Saver Plus 70296 56 37 Liberty Saver Standard 47196 33 25 Liberty Traditional Ultimate 73652 58 39 Profmed ProActive Plus 41580 24 19 Profmed ProActive R 0 - R 5 000 19404 1 1 Profmed ProActive R 5 001 - R 9000 28980 2 2 Profmed ProActive R 9 001 + 36672 13 10 Profmed ProPinnacle 111133 68 45 Profmed ProSecure Plus 74817 60 41 Profmed ProSecure R 0 - R 9000 40149 19 15 Profmed ProSecure R 9 001 + 57477 44 31 Resolution Classic 62664 48 33 Resolution Supreme 64366 52 35 Sizwe Affordable Care R 0 - R 13 400 46730 31 24 Sizwe Affordable Care R 13 401 + 72890 57 38 Sizwe Full Benefit R 0 - R 16 800 69610 55 36 Sizwe Full Benefit R 16 801 + 91810 65 43 Sizwe Primary Care R 0 - R7 800 31740 3 3 Sizwe Primary Care R 7 801 + 38100 14 11 Sizwe Savings Care R 0 - R 13 400 41304 23 18 Sizwe Savings Care R 13 401 + 53556 40 29 Suremed Navigator 34670 10 8 84 85

COMPREHENSIVE Network Single Member Basic Complete Plan Name Core Cost Core Rating / 6 Core Comp / 3 Core Hybrid Comp / 3 Complete Cost Complete Rating / 6 Momentum Extender Assoc Any 33264 6 3 46864 6 3 Complete Comp / 3 Complete Hybrid Comp / 3 Momentum Extender Assoc Assoc 30648 5 2 44248 5 2 Momentum Extender Assoc State 27048 2 1 40648 2 1 Hybrid Comprehensive Discovery Classic Delta Comprehensive 29964 4 3 42554 4 3 Discovery Essental Delta Comprehensive 28524 3 2 41114 3 2 Fedhealth Maxima Standard Net 20552 1 1 30072 1 1 Member + Adult Dep Basic Complete Momentum Extender Assoc Any 59808 6 3 85108 6 3 Momentum Extender Assoc Assoc 55092 3 2 80392 3 2 Momentum Extender Assoc State 47376 2 1 72676 2 1 Hybrid Comprehensive Discovery Classic Delta Comprehensive 58308 5 3 83488 5 3 Discovery Essental Delta Comprehensive 55476 4 2 80656 4 2 Fedhealth Maxima Standard Net 38582 1 1 55382 1 1 Comprehensive Plans Member + Adult Dep + 2 Children Basic Complete Momentum Extender Assoc Any 80688 6 3 113988 6 3 Momentum Extender Assoc Assoc 74364 5 2 107664 5 2 Momentum Extender Assoc State 64032 2 1 97332 3 1 Comprehensive Plans Hybrid Comprehensive Discovery Classic Delta Comprehensive 70236 4 3 100176 4 3 Discovery Essental Delta Comprehensive 66924 3 2 96864 2 2 Fedhealth Maxima Standard Net 52488 1 1 74188 1 1 86 87

COMPREHENSIVE No Network Single Member Basic Complete Plan Name Basic Cost Basic Rating / 16 Basic Comp / 4 Basic Hybrid Comp/ 6 Basic Hybrid ExtComp / 6 Complete Cost Complete Rating / 16 Discovery Classic Comprehensive R0 MSA 33264 7 2 45854 7 2 Momentum Extender Any Any 37800 9 4 51400 9 4 Momentum Extender Any Assoc 34008 8 3 47608 8 3 Momentum Extender Any State 30960 4 1 44560 6 1 Hybrid Comprehensive No Network Complete Comp / 4 Complete Hybrid Comp/ 6 Complete Hybrid Ext Comp / 6 Discovery Classic Comprehensive 33264 7 5 45854 7 5 Discovery Essential Comprehensive 31680 6 4 44270 4 3 Fedhealth Maxima Basis 20826 1 1 30346 1 1 Fedhealth Maxima Standard 23096 2 2 32616 2 2 Liberty Complete Plus 44124 12 7 53794 10 6 TopMed Professional 31440 5 3 44554 5 4 Hybrid Extended Comprehensive Fedhealth Ultimax 82362 15 6 94262 15 6 Bonitas BonComprehensive 40392 10 2 54853 12 3 Discovery Executive 40920 11 3 54560 11 2 Comprehensive Plans Fedhealth Maxima Exec 30254 3 1 39774 3 1 Fedhealth Maxima Plus 54362 14 5 66062 14 5 TopMed Rainbow Comprehensive 48900 13 4 59820 13 4 Comprehensive Plans 88 89

COMPREHENSIVE No Network (continued) Member + 1 Adult Dep Basic Complete Plan Name Basic Cost Basic Rating / 16 Basic Comp / 4 Basic Hybrid Comp/ 6 Basic Hybrid ExtComp / 6 Complete Cost Complete Rating / 16 Complete Comp / 4 Complete Hybrid Comp/ 6 Complete Hybrid Ext Comp / 6 Discovery Classic Comprehensive R0 MSA 64728 9 3 89908 9 3 7 Momentum Extender Any Any 67956 10 4 93256 10 4 9 Momentum Extender Any Assoc 61164 6 2 86464 6 2 5 Momentum Extender Any State 56148 3 1 81448 5 1 4 Hybrid Comprehensive No Network Discovery Classic Comprehensive 64728 8 5 89908 8 5 Discovery Essential Comprehensive 61632 7 4 86812 7 4 Fedhealth Maxima Basis 38854 1 1 55654 1 1 Fedhealth Maxima Standard 43286 2 2 60086 2 2 Liberty Complete Plus 76908 11 6 93808 11 6 TopMed Professional 56592 5 3 80732 4 3 Hybrid Extended Comprehensive Fedhealth Ultimax 153006 16 6 173926 16 6 Bonitas BonComprehensive 78480 12 2 106261 12 2 Discovery Executive 81840 13 3 109120 14 4 Comprehensive Plans Fedhealth Maxima Exec 56396 4 1 73196 3 1 Fedhealth Maxima Plus 101578 15 5 122248 15 5 TopMed Rainbow Comprehensive 89148 14 4 109068 13 3 Comprehensive Plans 90 91

COMPREHENSIVE No Network (continued) Member + 1 Adult Dep + 2 Children Basic Complete Plan Name Basic Cost Basic Rating / 16 Basic Comp / 4 Basic Hybrid Comp/ 6 Basic Hybrid ExtComp / 6 Complete Cost Complete Rating / 16 Discovery Classic Comprehensive R0 MSA 78000 8 2 107940 6 1 Momentum Extender Any Any 91668 10 4 124968 10 4 Momentum Extender Any Assoc 82452 9 3 115752 9 3 Momentum Extender Any State 75156 4 1 108456 8 2 Hybrid Comprehensive No Network Complete Comp / 4 Complete Hybrid Comp/ 6 Complete Hybrid Ext Comp / 6 Discovery Classic Comprehensive 78000 7 5 107940 5 4 Discovery Essential Comprehensive 74400 3 3 104340 4 3 Fedhealth Maxima Basis 52566 1 1 74266 1 1 Fedhealth Maxima Standard 58704 2 2 80404 2 2 Liberty Complete Plus 102372 13 6 125032 11 6 TopMed Professional 75744 5 4 108340 7 5 Hybrid Extended Comprehensive Fedhealth Ultimax 203862 16 6 230802 16 6 Bonitas BonComprehensive 94920 11 2 129557 12 2 Discovery Executive 97392 12 3 129772 13 3 Comprehensive Plans Fedhealth Maxima Exec 76164 6 1 97864 3 1 Fedhealth Maxima Plus 135382 15 5 162272 15 5 TopMed Rainbow Comprehensive 112284 14 4 137196 14 4 Comprehensive Plans 92 93

Traditional Single Member Plan Name CompCare Excess Direct Suremed Challenger TopMed Limited Bonitas BonClassic Traditional Plans Traditional Plans 94 95