OptumHealthSM Allies Discount Program Helping Consumers Save Real Money on Health Care

1
OptumHealthSM Allies Discount ProgramHelping
Consumers Save Real Money on Health Care
2
About OptumHealth Allies

• A UnitedHealth Group Company (NYSE UNH)
• 76 billion in annual revenues
• Fortune 25 company
• Leader in the health well-being industry
  serving approximately 70 million Americans
• Ranked 3 on Fortune Magazines 2007 list of the
  Most Admired Health Insurance Companies
• Established in 1999 as HealthAllies, Inc.
• Acquired by United Health Group in 2003
• Headquartered in Glendale, CA
• Licensed DMPO (Discount Medical Plan
  Organization)
• Largest provider of discount health benefits
• Program available in all 50 states
• More than 15 million members
• Serving 280 clients

3
Our Markets and CustomersA Partial Listing of
Key Relationships

• Directly and through our marketing partners,
  OptumHealth Allies provides value to a wide array
  of payers, employers, associations, affinity
  marketers and individuals, including
• Health Plans Employers Associations
  Affinity Marketers

4
Health Discount Program

• Our Mission
• To be the undisputed leader in the health
  discount category by helping consumers save real
  money on health care purchases outside of
  insurance

• A health care alternative for those that do not
  have insurance
• A health care complement for those that have
  insurance

because no one should pay retail for health care.
5
Key Market Differentiators

• Most robust product benefits in the industry - 12
  discount categories
• Single-source solution
• Manufacturer not a middle man
• OptumHealth Allies owns key networks
• Spectera (vision)
• DBP (Dental Benefit Providers)
• OptumHealth Care Solutions (Alternative Care)
• Health A to Z (online tools and information)
• Minimum discount guarantee policy members are
  guaranteed to save!
• Discount confirmation process and provider
  concierge calls
• We encourage usage
• Family membership
• More than 500,000 provider locations nationwide
• Compliance, regulatory legal issues managed by
  UnitedHealth Group

6
Works With Without Health Insurance

• Helps reduce out-of-pocket spending for those
  with insurance.
• 6 of all household personal income is spent on
  health care, including premiums, deductibles,
  co-pays and non-covered expenses3.
• On average, consumers with private insurance
  paid
• 76 of the cost of vision care
• 37 of the cost of dental care
• 21 of the cost of home health care
• 56 of other non-covered health expenses3
• Vision, dental, home health care and other
  out-of-pocket purchases accounted for 29 of all
  out-of-pocket spending3.

1 "Income, Poverty, and Health Insurance Coverage
in the United States 2006." U.S. Census Bureau,
August 2007, table 6, p. 21. 2 Kaiser Family
Foundation health Care Snap Shot, Wages and
Benefits A Long-Term View, Feb 2008 3Non-elderly
persons with private insurance. 2003 data. Snap
Shots Health Care Costs Distribution of
Out-of-Pocket Spending for Health Care Services,
May 2006, Kaiser Family Foundation, www.kff.org
7
Snapshot of Americas Uninsured

• Nearly 47 million Americans, or 16 percent of the
  population, are without health insurance.
• The number of uninsured rose 1.3 million between
  2004 and 2005 and has increased by almost 7
  million people since 2000.
• In 2005, nearly 15 percent of employees had no
  employer-sponsored health coverage available to
  them, either through their own job or through a
  family member.
• Young adults (18 to 24 years old) remained the
  least likely of any age group to have health
  insurance 30.6 percent of this group did not
  have health insurance.
• Nearly 40 percent of the uninsured population
  reside in households that earn 50,000 or more. A
  growing number of middle-income families cannot
  afford health insurance payments even when
  coverage is offered by their employers.
• Source National Coalition Health Care

8
Snapshot of Americas Insured

• Fewer employers are offering coverage to workers,
  down from 69 percent of employers in 2000 to 60
  percent in 2005. The drop stems almost entirely
  from fewer small businesses offering health
  benefits.
• Insurance premiums increased an average of 9.2
  percent in 2005.
• Annual premiums for family coverage reached
  10,880 in 2005, eclipsing the gross earnings for
  a full-time minimum-wage worker (10,712).
• 61 percent of all employees with health coverage
  in 2005 were enrolled in a PPO (up from 55
  percent in 2004). Enrollment in HMOs, which
  generally cost less than PPOs, fell to 21 percent
  of people with insurance in 2005.
• Source Family Foundation Survey of Employer
  Health Benefits

9
The Discount Program Marketplace
The Health Discount Program MarketA Growing
Opportunity
Employer Involuntary 1.3M Cards 9
Employer Voluntary 5.2M Cards 33
Consumer Fee Paid 9M Cards 58
Est. 2006 market size 15.5 million members
Excluding OptumHealth Allies members
The discount health business is a 1.78 billion
industry, estimated to grow at 20 per year

Source Discount Health Plan Market Assessment,
study conducted for OptumHealth Allies by
BlueFrame Strategic Intelligence, October 10,
2006
10
Available discount categories and typical savings
Basic
EnhancedAll of the above, plus
11
OptumHealth Allies Offers Real Savings!
Savings Examples
Based on mystery shopping data, January 2007-May
2007. The prices in this chart are for example
purposes only. Actual prices and savings may vary
among individual providers.
12
Actual Savings Based on 2007 Member Utilization
13
Savings on Trusted Brands

• Online Marketplace a broad portfolio of
  partnerships offering savings on everyday health
  and wellness needs

• More than 12,000 fitness clubs including select
  locations of
• Bally Total Fitness
• Curves
• Golds Gym
• Ladies Workout Express

14
Interactive Informative On-line Tools

• Helping members stay healthy.

• Useful health assessments
• Health risk assessment (health mirror)
• Cancer prevention quiz
• Stress awareness quiz
• Are you wise about exercise?
• Child safety quiz
• Depression quiz
• Medical myths quiz

• Checklists worksheets
• Baby sitters checklist
• Growth percentile charts
• Immunization worksheet
• Healthy weight chart

• Calculators
• Body mass index
• Heart attack risk
• Target heart rate
• Dietary fat
• Healthy weight
• Financial calculators

15
Interactive Informative On-line Tools

• Up-to-date health education
• Health library with encyclopedia dictionary
• Audio library health information is a phone
  call away
• Symptom guides (whats behind your symptoms)
• News summaries featured articles
• How to info (choose a training program, prevent
  injuries, and more)

• Rewards for health-related actions
• Through Wellness360, members earn redeemable
  rewards points by simply
• Updating electronic medical records
• Reading targeted messages
• Participating in surveys Wellness 360
• Using online health and wellness services offered
  through wellness360
• These points are converted to cash and paid out
  quarterly when the member reaches a minimum of
  25.

16
Demo Our Program

• Step 1Visit www.optumhealthallies.comInput
• Username acmedemo
• Password password1

Step 2Select a discount category (such as
Vision)
Step 3Select a specialty (such as Laser Vision
Correction) to get a list of participating
providers by ZIP code
17
A Passion for Customer Service

• Customer Service
• HIPAA compliant
• 23 years as a health care call center exclusively
• Service center voted 2 best place to work in the
  nation for mid-sized companies
• Dedicated OptumHealth Allies team
• Award-winning culture among the lowest attrition
  rates in the industry
• Spanish speaking representatives
• Hours 7 am to 8 pm Central Monday Friday
• Unique toll-free number customized greeting
  available

18
Member engagement

• Fulfillment
• Immediate access to benefits upon enrollment via
  credit card
• Personalized Member ID cards for member and
  spouse
• Co-branded handbook with customizable welcome
  text

• Ongoing communication
• Direct mail
• Informative opt-in monthly e-newsletters
• Special offers
• Timely information

Your logo here
19
Client Sales Support

• Pre-approved, customized materials to help you
  sell
• Dedicated implementation and account management
  teams

20
A Full Service Partner

• Your single source solution
• Stability strength
• Best-in-class customer service
• Co-branded fulfillment Web site options
• Marketing support program design
• On-going program administration
• Reporting

21
Partner with us

• OptumHealth Allies is the market leader
• We are where the market is headed
• We have the relationships with category leaders
• We have our finger on the pulse of health care
  trends
• We have the products
• We have the vision

Disclosure The OptumHealth Allies discount
program is administered by HealthAllies, Inc., a
discount medical plan organization located at 505
N. Brand Blvd., Suite 850, Glendale, CA, 91203,
1-877-259-4226. OptumHealth Allies is not
insurance. OptumHealth Allies provides discounts
at certain health care providers for medical
services. OptumHealth Allies does not make
payments directly to the providers of medical
services. The program member is obligated to pay
for all health care services but will receive a
discount from those health care providers who
have contracted with the discount plan
organization