1. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA
1
Saint Michael’s College
Plan year: 1/1/2011-12/31/2011
Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA

2. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA
2
Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA
We are easy to work with.

3. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA
Statement of Principles
 Saint Michael’s College is committed to providing competitive and
comprehensive healthcare benefits to its faculty and staff
 The healthcare design should promote healthy choices and encourage
informed use of plan features
 The College will continually investigate new and contemporary plan
designs and market changes
 The College and employees will share in the cost of the plan

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What will we cover today?
 Review the new Choice Fund HRA plan effective 1/1/2011
- What portion of expenses do you pay under the new Health Plan?
- How does the Health Reimbursement Account (HRA) work with the new
Health Plan?
- The Healthy Award Account; Additional ways you can earn $ to help with
your medical expenses
 Resources available to help you with your questions and your health
- Pre-enrollment
- After the effective date (1/1/2011)
 What will it cost you to enroll in the new Choice Fund HRA plan?
 Next steps and future communication topics
 Most importantly! Answer your questions

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Highlights of the new plan
 100% coverage for Preventive Care
 100 % coverage for routine eye exam when you use a CIGNA participating
provider
 Employer funded Health Reimbursement Account to help you with some of
your out of pocket medical costs
 Opportunities to earn additional dollars by voluntarily participating in Healthy
activities
 Unused funds may rollover for use in later years
 Access to Customer Service 24/7/365
 Access to CIGNA’s National Provider Network
 Out of Network coverage
 Transition/Continuation of care
 Primary Care Physician recommended but not required
 Extensive resources to help you improve your physical and financial health
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New Terms to Familiarize Yourself With
 Calendar Year Medical Plan Deductible: Amount you pay before the plan
reimburses you for your medical expenses you incur
 Medical Plan Coinsurance: % of expenses paid by the plan after you
satisfy the deductible
 Calendar Year Medical Plan Out of Pocket Maximum (OOP): A Cap on
the $ amount you pay in deductibles + coinsurance. Once you meet the
OOP maximum, the plan reimburses you for 100% of eligible expenses.
 Health Reimbursement Account (HRA): $ made available to you by Saint
Michael’s to help you offset your medical out of pocket
(deductible/coinsurance) expenses
 Healthy Awards Account (HAA): Additional $ you can earn to help you
offset your medical out of pocket expenses.
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 After you pay your deductible you pay the following coinsurance for services until
you meet your Out of Pocket Maximum (OOP):
 Service In-Network Coinsurance
PCP Office Visit you pay 20%, plan pays 80%
Specialist Office Visit you pay 20%, plan pays 80%
Inpatient Hospital Care you pay 20%, plan pays 80%
Outpatient Hospital Care you pay 20%, plan pays 80%
Emergency Room Visit you pay 20%, plan pays 80%
Lab and X-Ray you pay 20%, plan pays 80%
 The Deductible does not apply to Certain Services!
- Preventive Care covered at 100% (including preventive lab work)
- Prescription Drug coverage (more on that later)
- Annual Eye Exam (more on that later)
Coverage begins after you meet your deductible for most services

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Components of your Out of Pocket Maximum (OOP)
* Note: under 2-person and family coverage each individual has their own
deductible, coinsurance and OOP maximum. Amounts above shown to
illustrate your financial responsibility if multiple family members meet their
per person maximum. Under family coverage this could mean that a family
of five could meet their $1500 maximum deductible without any one person
meeting the $500 per person deductible (5 x $300 = $1500 = family
maximum deductible met.)
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Deductible Your 20%
Coinsurance
Your OOP
Maximum
Per Person: $500 $1000 $1500
Maximum for 2
person coverage:
$1000 $2000 $3000
Maximum for family
(3+ coverage):
$1500 $3000 $4500
+ =

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How your HRA and HAA help you with your deductible or OOP
Maximum
Maximum Family
Deductible
SMC Provided
HRA
$ You can earn
in your HAA
Your Share of
Deductible
Employee
only:
$500 $250 $275 $0 - You have $25 to
help with coinsurance
Employee + 1: $1000 $500 $400 $100
Family (3+): $1500 $650 $525 $325
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After a person meets their deductible the member pays 20%, plan 80% until you meet your maximum out
of pocket.
Maximum Family
Out of Pocket
SMC Provided
HRA
$ You earn in
your HAA
Your Share of Out
of Pocket Max*
Employee only: $1500 $250 $275 $975
Employee + 1: $3000 $500 $400 $2100
Family (3+): $4500 $650 $525 $3325
* This really assumes a worst case scenario. Remember each family member has their own
deductible, coinsurance, OOP Max! However any family members deductible coinsurance
expenses can be reimbursed from the families HRA or HAA – we will show an example later.
- -
- -
=
=

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Prescription Benefits
Medical Plan Deductible does not apply to Pharmacy costs
Retail Pharmacy
 Generic …20% up to a maximum of $10
 Preferred …25% up to a maximum of $30
 Non-preferred …30% up to a maximum of $50
CIGNA Home Delivery Prescriptions
 Generic …20% up to a maximum of $25
 Preferred …25% up to a maximum of $75
 Non-preferred …30% up to a maximum of $125
Prescription out of pocket maximums are:
$1,500 per person (new financial protection feature)
*You cannot use your Health Reimbursement Funds for
Prescription drug costs

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11
Vision Plan Highlights
Benefit In Network Out of Network
Examination Copay $0 n/a
Exam
Covered in
full
$75 allowance
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For In-Network coverage you need to use a CIGNA
Vision Participating Provider. Find Providers at
Mycigna.com

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12
Healthy Awards
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13
Earn Additional dollars with Healthy Awards
Voluntarily
Participate in
activities to
improve health
Earn $ in a Healthy
Awards Account
Use $ to help pay
for eligible claim
expenses
What’s eligible?
Expenses related to:
• Medical Deductible and
Coinsurance you pay
Unused money “rolls over” to next year – you don’t lose it.

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14
Healthy Awards: Eligible Activities and Awards
ACTIVITY AWARD
Complete Health Assessment (Employee) $125
Complete Biometric Screenings (Employee) $150
Complete Health Assessment (Spouse) $125
Complete routine care visit (Children) $125
This enables the following potential for the year
•Employee $275
•Employee & Spouse $400
•Employee & Child $400
•Employee & Children or Employee & Spouse & Child(ren) $525
Unused money “rolls over” to next year – you don’t lose it.
* More information will be provided about the Healthy
Incentives during November and December!
Funds will be made available in
your account once activities have
been completed.
Within 10 business days for:
Health Assessment
Within 5 business days for:
Employer activities reported via
myCIGNA.com
Within 2-3 weeks for:
Employer activities reported via
paper form

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Health Reimbursement Account vs. Healthy Awards Account
What is the difference??
Health Reimbursement Account
 Automatically funded each year
by Saint Michael’s
 Only a portion of unused funds
roll over year to year
- $125 for Employee
- $300 for Employee + 1
- $550 for Family
 These dollars are utilized toward
services covered on the medical
plan that are subject to the
deductible or coinsurance.
Healthy Awards Account
 You earn dollars by participating in
health and wellness programs
 All of your unused funds roll over
year after year
 These dollars are utilized toward
services covered on the medical
plan that are subject to the
deductible or coinsurance.
Both are components of a Health Reimbursement Arrangement

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I’ve heard that I don’t have to pay at the time of service.
How are my medical claims paid?
Medical Claim Payment Process
CIGNA updates quarterly Health Statement;
sends email alert or mails to your home, based
on preference setting
CIGNA provides an Explanation of Benefits
(your receipt) showing:
• Doctor fee, CIGNA discount, amount billed,
amount deducted from HRA-HAA, amount paid to
doctor, remaining HRA-HAA balance.
CIGNA subtracts payment owed from your
HRA -HAA balance and pays doctor.
$200 deducted from HRA-HAA and sent to doctor
and Updates claim and account information on
myCIGNA.com.
Doctor bills CIGNA $200.
CIGNA determines your payment responsibility:
You owe $200
Show CIGNA Choice Fund ID card. Pay nothing
at visit. Doctor discounted CIGNA fee: $200
Sick visit to an in-network doctor/hospital/facility.
Doctor standard fee: $250
Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA
Preventive visits are covered at 100%

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My life is busy. How does CIGNA help me
understand and track my health care expenses?
Explanation of Benefits
• Available by mail or online at myCIGNA.com
• Based on your preference, either mailed to your
home or you're alerted by email after each claim is
processed and posted to myCIGNA.com
• Clearly shows how and when claims were paid, and
how the plan and account(s) paid toward claims
Quarterly Health Statement
• Available by mail or online at myCIGNA.com
• Based on your preference, either mailed to your
home or you're alerted by email after each
statement is posted to myCIGNA.com
• Shows year-to-date deductibles, all claim activity
and out-of-pocket expenses for that quarter
Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA

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18
End of Year 1
100%PreventiveCare
(in-network)
HRA
$280
Carlos’
Share
$220
($250 - $30)
Health
Plan
80%
100% after $1,500
(in-network)100%PreventiveCare
(in-network)
Deductible
Out-of-PocketMax
HRA
$250
Carlos’
Share
$250
Health
Plan
80%
100% after $1,500
(in-network)
Year 1 Year 2
Carlos
Single, 35 yrs. old
Works hard, plays hard
Healthy; occasional sport injury
$300 preventive care exam
Covered 100% by Plan;
No cost to Carlos
+
$ 70 urgent care doctor visit
$150 sports medicine visit
$220 total medical expenses
How Expenses Are Paid
$220 paid from HRA
($300 Preventive Covered by Plan)
$520 paid by Plan
$0 paid by Carlos
$300 preventive exam
Covered 100% by Plan;
No cost to Carlos
+
$200 specialist visits (2)
$ 25 prescription
coinsurance expense (not
eligible for HRA reimbursement)
$225 total expenses
How Expenses Are Paid
$200 HRA
($300 covered by Plan)
$500 paid by Plan
$25 paid by Carlos
End of Year 2
$80 HRA Balance;
Rolls over to
next year’s HRA
$30 HRA Balance;
Rolls over to
next year’s HRA
Remember, Carlos could also earn extra dollars through the Healthy Awards Account

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19
The Coopers
Active family of 6
Spouse has diabetes
100%PreventiveCare
(in-network)
Deductible
Out-of-PocketMax
HRA
$650
Cooper’s
Share
$850
Health
Plan
80%
100% after $4,500
(in-network)
Year 1
$1,500 annual exams (5)
Covered 100% by Plan;
No cost to the Coopers
+
$1,600 Endocrinologist visits (10)
$1,500 Doctor visits (12)
$3,100 total medical expenses
$1200 in Drug costs (her
coinsurance averages 20%)
$5,800 Total
How Expenses Are Paid
$ 500 for Mrs. Cooper’s deductible
$ 520 Coopers’ coinsurance
-$650 (Available HRA not counting HAA)
$370- Net cost to the Coopers*
$ 240 Cooper’s portion of drug cost
$ $610 Cooper’s total responsibility*
The total Medical Expense was $5800
The Coopers paid $610 or about 10%
The Plan paid $5,090 or about 90%
*If the Coopers earned Healthy award $
they could offset an additional $370 of
their Cost
Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA

20. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2009 CIGNA
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The Davidsons
Late 50s, Empty nesters
Husband in severe auto
accident
100%PreventiveCare
(in-network)
Deductible
Out-of-PocketMax
HRA
$500
Davidson’s
Share
$500
Health
Plan
80%
100% after $3,000
(in-network)
Year 1
$600 annual exams (2)
Covered 100% by Plan;
No cost to the Davidsons
+
$25,000 Hospitalization
$ 2,500 Radiology
$ 2,500 Specialist visits (10)
$ 2,500 Rehabilitation (10)
Total = $32,500 medical
expenses
$1,500 in drug costs (their
coinsurance averages 20%)
Total with Preventive =
$34,600
How Expenses Are Paid
$500 for Mr. Davidsons’ deductible
$1,000 Mr. Davidsons’ Coinsurance (he has
met his OOP Maximum)
-$500 (available HRA not counting HAA)
$1,000 (Net Cost to Davidsons*
$ 300 Davidson’s portion of drug cost
$1,300 Davidson’s Total Responsibility
Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA
The total Medical Expense was $34,600
The Davidson’s paid $1,300 or about 4%
The Plan paid $33,300 or about 96%
*If the Davidson’s earned Healthy award
$ they could offset an additional $400 of
their Cost

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Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2010 CIGNA
Helping you be well and live well.

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Help when you need it!
Help with coordinating care if you’re admitted to the hospital
Compare prescription drug costs – preferred brand vs. generic, retail vs. at-home delivery online drug-
interaction checker helps you keep track of prescription medications
and avoid interactions
Easy-to-use, confidential health assessment gives you an overall health “score” and a personalized
report
Online coaching programs to help you maintain a healthy lifestyle
Save money on health and wellness products and services like fitness clubs, eyewear, massage
therapy and more
A personal health advocate to help you prepare for office visits, improve your lifestyle and reduce your
health risks, explore and choose treatment options, and answer health and coverage questions
Healthy pregnancy education programs with March of Dimes helps every baby get a healthy start.
Well Aware disease management program to help you with chronic conditions
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11 conditions addressed in 5 Well Aware programs
COPD
Emphysema
Chronic Bronchitis
Diabetes
Type 1 Diabetes
Type 2 Diabetes
Heart Disease
Heart Failure
Cardiomyopathy
Coronary Artery Disease
Acute Myocardial
Infarction
Angina
Asthma
Low Back Pain
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Participation in these
programs is voluntary
 Claims
 Medical ,Pharmacy
 Health Assessment
 Referral from other programs
• Case Management
• Lifestyle Improvement
• Health Advisor
 Self-Referral
 Health Care Professional
Identify
Activate Support

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Communications
Ongoing nurse outreach by phone
24/7 access to registered nurses
Routine preventive care reminders
Education Materials including:
• Program Workbook
• Quarterly Newsletters
Online tools and resources
• Goal Tracker
• Program Alerts
• Symptom Checker
mywellaware.com
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• Quality rankings let you compare doctors and hospitals
• Online resources let you check for dangerous drug interactions
• Alerts sent to you and your doctor if we see or anticipate
possible gaps or errors in care
• Support from our care coordinators if you are
hospitalized with a serious illness Features
• Quickly compare cost and quality
using 1-3 star rating system
• Ratings for 29 conditions
• Ratings based on Healthshare
plus CIGNA data
1 – 3 star rating system
Find CIGNA Centers of Excellence
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What is CIGNA doing to make sure I’m getting quality care?

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How can I reach CIGNA when I need help?
• Call us anytime day or night – live, 24/7 customer service
• Find information when you need it at myCIGNA.com
• We speak many languages
For J.D. Power and Associates Certified Call Center ProgramSM information, visit www.jdpower.com.
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My life is busy.
How can CIGNA save me time?
• 24/7 online and phone assistance to find doctors, specialists, hospitals, labs and pharmacies
close to home or when you are traveling
• Talk to a trained nurse with questions when you can’t reach your doctor – day or night
• Self-service through myCIGNA.com lets you:
 Print forms or print/order ID cards
 Check your coverage
 Track claims, payments and deductibles
 View, print and download your explanation of benefits and health statements
 Access articles and health education resources, and sign up for online
coaching programs
 Keep track of your health history and records with a secure online database
• Award-winning decision support tools
 Learn about common health problems and options for treatment
 Find doctors, hospitals, specialist and labs
 Compare treatment and procedure costs
• Switch a prescription to CIGNA Home Delivery Pharmacy with one easy phone call and have
your medications delivered to your door at no extra cost
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• Voted 2009 Best Employee Assistance Program as ranked by readers of
Business Insurance
• Winner of “Innovation in Multicultural Health Care” Award from
independent National Committee for Quality Assurance (NCQA)
• Top industry rankings for Effectiveness of Care by NCQA
• Our customer call centers are certified by J.D. Power and Associates*
for providing “an outstanding customer service experience”
• Doctors and hospitals ranked us #1 and #2 respectively on our payment,
accuracy and efficiency in the annual survey by AthenaHealth
• CIGNA’s Explanation of Benefits is one of only three to earn “Excellent”
designation for clarity, content and design from Dalbar
• Earned #1 ranking for Best Innovation in customer intimacy across all
industries for cost and quality tools on myCIGNA.com from Information
Week 500
• Gold medal for “exemplary customer strategy and excellence in customer
experience.”
Everyone says they are the best.
Why should I trust CIGNA?
*For J.D. Power and Associates Certified Call Center ProgramSM information, visit www.jdpower.com.
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Important Dates
• Enrollment packets to home addresses week of October 18, 2010.
• Forms due to Human Resources by November 17, 2010.
Questions about the new plan?
• Call the toll-free hotline 24/7/365 – 1.800.401.4041

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30
"CIGNA", “CIGNA HealthCare”, "myCIGNA.com" and the "Tree of Life" logo are registered service marks of CIGNA Intellectual Property, Inc.,
licensed for use by CIGNA Corporation and its operating subsidiaries. All products and services are provided exclusively by such operating
subsidiaries and not by CIGNA Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company (CGLIC),
CIGNA Health and Life Insurance Company (CHLIC), Tel-Drug, Inc. and its affiliates, CIGNA Behavioral Health, Inc., Intracorp, and HMO or
service company subsidiaries of CIGNA Health Corporation and CIGNA Dental Health, Inc. In Arizona, HMO plans are offered by CIGNA
HealthCare of Arizona, Inc. In California, HMO plans are offered by CIGNA HealthCare of California, Inc. In Connecticut, HMO plans are
offered by CIGNA HealthCare of Connecticut, Inc. In North Carolina, HMO plans are offered by CIGNA HealthCare of North Carolina, Inc.
All other medical plans in these states are insured or administered by CGLIC or CHLIC. All models are used for illustrative purposes only.
838558 08/10 © 2010 CIGNA Some content provided under license.