Improving lives

through better health

AccessProvide convenient and more effective access to health care

Experience Actively engage and empower members to achieve better health

AffordabilityReduce cost to create the best health care value in the industry

ACCESS AFFORDABILITY EXPERIENCE

Unsustainable.

In one decade, the cost of health care

has more than doubled.

1 Milliman Medical Index (MMI) vs. Average Household Income

One in two Americans lives with a chronic condition that is largely preventable.

$9,235

$20,728

2012

2002

As the Affordable Care Act becomes a reality, we've got your back.

You have a seasoned ally for implementation and compliance.• Successfully implemented all required

ACA changes for the past 3 years• Proprietary ACA tools available to all

brokers/consultants and employers at no cost; Financial Subsidy Calculator, Decision Support Tool, and HCR website

• Expert account support to help companies evaluate their options

• Comprehensive communication resources on demand

We’re investing

<$1 BILLION> to enhance our capabilities, products and programs.

• Lowering Costs• Innovating Care Delivery• Connecting Members• Improving Health• Integrated Solutions

Anthem is miles ahead, meeting these challenges on multiple fronts.

We’re lowering costs to create the best health care value in the industry

AFFORDABILITY

Undeniable impactOur size and strength

1 in 3 Americans

382 of the Fortune 500

count on Blue Cross Blue Shield

Incomparable reachOur network

90%+of hospitals 80%+

of providers 95%of America’s Best Hospitals•

Compelling valueDiscounts and savings

#1in 93 of 129

markets

4.3%average discount

advantage

$18.8million in

average savings

18.8 million in savings is a combination of the value of Network Access and Discounts AND Anthem’s claims management programs. Network Access and Discounts value represents the incremental value of our discounts over our key competitors. The gross value of our discounts (i.e. amount saved off billed charges) is much larger than the incremental value. Claims management savings reflect our estimates of the program value. *Source: Anthem Health and Wellness Solutions data study. Actuarial validation, 2011.

Compelling valueDiscounts and savings

5% more claims paid in network95% versus 90%

+More than twice the average savings on out-of-network claims25-40% versus 12-20%

+Higher average hospital discounts53.9% versus 47.4%

11

Our active approach to health management results in healthier employees and lower health care costs.

*WellPoint calculated rates using Quality Compass 2011 Commercial (or Medicaid or Medicare) data. Adjusted rates have been calculated using weights for the Anthem age mix and Medical/Surgical case mix.

NATIONAL UTILIZATION METRICS FOR PPO PLANS*

164 160170 169 160

38 40 40 4340

Anthem Aetna Cigna UHC National Average

INPATIENT DAYS PER 1000MEDICAL + SURGICAL DISCHARGES PER 1000

Provider support• Rewarding doctors for value, not volume• Blue Distinction designation for facilities that

meet stringent quality and cost-of-care requirements

• Linking hospital reimbursements to quality outcomes

• Promoting ACO and Patient-Centered Primary Care strategies

• Leveraging data to improve efficiency and effectiveness

Member support• Providing comprehensive assistance to

help members navigate benefits and utilization

• Providing the education, tools and data to turn members into informed consumers

• Promoting wellness and early detection of high-risk conditions

• Providing cost comparisons and options for CTs and MRIs

A new model of healthWe’re making it easier for providers

and patients to do the right thing.

LOWERING COSTS:Anthem Health Marketplace combines the best in budget control and tailored health solutions.

FOR EMPLOYERS:• Short- and long-term cost control• One Defined Contribution platform for all employees• Reduces administrative cost and burden• Keeps benefits competitive

FOR EMPLOYEES:• Flexibility in spending their health dollars• More choices, with customized benefits solutions• Easy access and consumer-friendly experience• Expert support from Anthem advisors

Compelling valueOur performance record

FORTUNE 100 Company C

200,000+ Anthem Members

Projected savings based on discount analysis, plan and clinical changes: $71 million

$191 MILLIONin savings

FORTUNE 100 Company A

350,000+ Anthem Members

Projected savings based on discount analysis: $75 million

$100 MILLIONin savings

FORTUNE 500Company B

100,000+ Anthem Members

Projected savings based on discount analysis: $50 million

$184 MILLIONin savings

We’re getting back to basics with more effective access

ACCESS

Powering the primary-care revolution

We’re promoting a team approach

to primary care that drives better

health and lower costs.

24-hour care coordination

Risk-stratified care management

Shared decision-making

Greater accountability

Wellness and prevention

A good idea grows.

Pay-for-Performance Programs

Patient-centered Medical Homes

Episode-based Payment

Accountable Care Models

18% fewerhospital admissions

15% fewerER visits,improvement in all diabetes measures

3.6% fewerhospital admissions

6.1% fewerER visits,improvement in all diabetes measures

12-23% fewerhospital admissions

11-17% fewerER visits

Colorado PCMH

New Hampshire PCMH

New York PCMH

* Figures per 1,000 per year.

5.81% fewer hospital admissions

10.6-18% fewerER visits

Dartmouth-Hitchcock ACO

18% fewer hospital admissions

3% feweravoidable ER visits

29% lowerreadmission rate

ConnecticutPCMH

Proof positive.Patient-centered care improves health and lowers costs across the country.

Incentives for change.

We’re driving transformation to value-based care. • Fee schedule increases • Non-visit reimbursements• Shared savings

Unprecedented Data Access – claims information, lab services, disease registry

Risk Stratification – to proactively identify and close care gaps

RHI eClinical Solutions – analytics software to increase clinical targeting

Care Management – to work as an extension of the PCP practice

Medical, Prescription, Lab Histories – to ensure personalized, outcome-based care

Information Sharing.

Medicine works better when doctors know the details.

Intelligence at light speed.

IBM Watson can process, analyze and interpret massive amounts of data in seconds. Anthem brings that capability to health care.

• The latest research• Select population health data• Patient medical history• Lab results• Treatment protocols

One source for extended health-related coverage: dental, vision, life and disability

Integrated solutions

Actively engage and empower members to achieve better health

EXPERIENCE

Engaging our members.Through insights, we’ve created a more personalized and rewarding experience. • Personalized care or prescription-

drug reminders• Alerting physicians to gaps in care• Improved functionality of

Anthem.com• More targeted programs based

on consumer needs

By listening, Anthem makes a good thing even better.• Developing a best-in-class web & mobile experience• Working with third-party transparency vendors• Pioneering Reference Based Benefits packages

A healthy dose of flexibility.Consumer-driven health plans put members in control while easing the cost and administrative burden for employers.• Choice of pre-fund tax options – HRA and HAS• Maximum flexibility with a la carte customization• Optional employer-funded incentives• Robust transparency tools and communications support

Anthem takes holisticto a whole new level.

Connecting everyone to better health care via:

• Assessment & engagement• Good-health incentives• Personalized coaching• Online resources and

transparency tools• Device integration

LiveHealth Online.

There’s ALWAYS a doctor in the house.  • Interactions via video, chat or phone• Choice of credentialed provider• Accessibility anytime, anywhere• No appointments or waiting rooms• Maximizes productivity for

consumers, providers and employers

2012 NATIONAL SERVICE OPERATIONS RESULTS

METRICS 2012 ACTUAL 2012 GOAL

Average Speed of Answer 28 30

Abandon Rate 1.6% 3.0%

Claims Timeliness in 30 Days* 98.82% 98.00%

Claims Payment Accuracy 98.93% 98.00%

Claims Financial Accuracy 99.18% 99.00%

*Enterprise MTM results

We set goals. We exceed goals.

We not only bring value to the table.

We bring the whole table.

Truly innovative, fully integrated programs and partnerships designed to enhance affordability, access and experience.

AccessAffordabilityExperience

Better health

brought to you by Anthem