University Health Plans, Inc.

Student Health Insurance Plan Presented to:

UNIVERSITY HEALTH PLANS

UHP’s Success

•20+ years experience

•Pioneered web-based enrollment/waiver system

•100% Student Health Programs

•60 College and University Clients

•Accountable Management/Decision Making

UHP’s Client Services

•Represent the Client

•Competitive Premiums

•Enrollment/Waiver Billing

UNIVERSITY HEALTH PLANS

UHP’s Client Services (continued)

•Customer Service

•Student/Client Advocate

•Secure Website

•Toll Free Number

•On-Site Training Available

UNIVERSITY HEALTH PLANS

UHP’s Client Services (continued)

•Quarterly reviews/discussions

•Plan Evaluation/Plan Design

•Claim Reports

- detailed claims analysis

- claim run-out

- prescription drug detail

UNIVERSITY HEALTH PLANS

UHP Client Services (continued)

•UHP claims audits

•UHP is the student/client advocate

•UHP’s complimentary products

•State Reports

UNIVERSITY HEALTH PLANS

Customized On-Line ServicesUHP has developed several on-line resources to meet the needs of each school:

•Brochures and other forms on-line or downloadable

•On-Line Waiver and Enrollment

•On-Line Eligibility look-up

•On-Line Claims Status look-up

•On-Line ID Card request

•Preferred Provider and Member Pharmacy look-up

UNIVERSITY HEALTH PLANSwww.universityhealthplans.com

BCBSMA PromiseTo Always Put Our Members’ Health First

Blue Cross Blue Shield of Massachusetts

Your long-term partner should have a long-term vision

Our Mission…Our Philosophy

Blue Cross Blue Shield:

• Social Contract

• Long-term cost & quality focus

• 1% - 2% contribution to reserves

• Views healthcare delivery and administration as local with a national reach (one size does not fit all)

Blue Cross Blue Shield of Massachusetts

Membership & Growth Year end 12/31/06

• Total Members 3,050,000• New members 128,800• Dominant market share 40%

Service ExcellenceYear end 12/31/06

• Strong Member Satisfaction 85%• Strong Provider Satisfaction 88%• Account Retention 95.8%

Financial StabilityYear end 12/31/06

• Earned Premiums $6.81B• Cash & Investments$2.6B• After Tax Net Income $122M• Statutory Reserves $1.6B

World Class Performance...Sustained Excellence

Why Choose Blue?

Blue Cross Blue Shield of Massachusetts

Brand Strength

• #1 market share in all 50 states

• Most recognized brand inhealthcare among consumers

• #1 in delivering the lowest overall costs (Fortune Magazine, Sept. 2005)

• 75% of Fortune 100 companies (9 of the top 10)

• 94 Million covered lives (1 in 3 Americans)

Unaided Brand Awareness

10%

18%

24%

CIGNA

United

Aetna

71%

Source: Brand Strength Measure Survey (2005)

The Blues are the Brand leaders among employers and consumers

Network Access and Discounts

Blue Cross Blue Shield of Massachusetts

*Includes Adult PCPs, Pediatricians, Ob/Gyns, Specialists

The Blue Cross Blue Shield Network Advantage

Local Networks• Over 15,000 providers*• 85 hospitals• Stable mature networks (consistent local benefit delivery)

Regional Networks• Over 32,000 providers*• 181 hospitals throughout New England• Stable mature networks (consistent regional benefit delivery)

National Networks• Over 1,000,000 providers*• Over 6,000 hospitals• Stable, mature networks (consistent national benefit delivery)• Only nationwide network with secondary and rural locations

More claims processed in-network provides savings; unsurpassed access to care allows consolidation ease

Benefit to Bentley College

Benefit to Bentley College

Blue Cross Blue Shield of Massachusetts

The Blue Cross Blue Shield Network Advantage (cont.)

Assessing network value:

• Low unit cost (per claim discounts)

• Care Management (utilization controls)

• Depth & Breadth of networks (access to care)

Blue Cross Blue Shield is the recognized industry leader in network value

Blue Cross Blue Shield of Massachusetts

Healthy Member Interventions

Prevention and wellness communications and programs

• Healthy Blue Programs

• Worksite Wellness Programs

Comprehensive e-health and communication strategies to address a large population with non-complex health issues

• www.ahealthyme.com

• www.bluecrossma.com Award Winning Web Sites

Blue Cross Blue Shield of Massachusetts

Healthy Blue Programs

Support: • LIVING HEALTHY Babies• Living Healthy Smoke-Free• Blue Care Line – 24/7; (888) 247-BLUE• DecisionCare Guide

Campus Wellness• Healthy Blue at School• Personal Edge (fee for service)

Incentives: • Fitness Benefit - $150 per yr.• Weight Loss Benefit - $150 per yr.• Discounts (bike helmets, safety products)• Living Healthy Naturally:

— 20% discount on acupuncture, massage therapy, nutrition counseling

• Living Healthy Vision:— Up to 25% discount (frames, lenses,

contacts)

Blue Cross Blue Shield of Massachusetts

Care Management

Program Goals

• improve health status, quality of life, lower rates of complication and inpatient admissions

Member Identification

• claims data, PHRAs, episodes of care, physician referral, member referral

Specialized Programs

• transplants

• outpatient therapies

• pediatric focus

• rare diseases – multiple sclerosis, cystic fibrosis, Parkinson's

Blue Cross Blue Shield of Massachusetts

Blue Cross Blue Shield’s View of the Future…

Old Thinking: Quality is a given. So, contain costs.

• Gaps in care

• Unsustainable rise in costs

• Think once, Order twice

• Pay for metrics (HEDIS based)

New Thinking: Promote quality and costs will be contained.

• Fewer adverse events

• Reduced waste

• Think twice, order once

• Pay for performance (evidence based)

© 2006 Blue Cross Blue Shield Association. All Rights Reserved.

Blue Cross Blue Shield of Massachusetts

Claims Processing

• Average turnaround time – 3.6 days (year end 2006)

• Auto adjudication rate – 91.2% (year end 2006)

• Claim payment accuracy – 99.7% (year end 2006)

• Financial accuracy – 99.9% (year end 2006)

Blue Cross Blue Shield of Massachusetts

BCBSMA Student Business

• History— Harvard University

— Massachusetts Institute of Technology

— Northeastern University

— UMass Dartmouth

— UMass Worcester

— Berklee College of Music

• Underwriting Rationale

Blue Cross Blue Shield of Massachusetts

Bentley College Student Plans

• PPO Benefit Plan

— Referrals not required

— 100% in-network nationally

— 80% out-of-network nationally

Blue Cross Blue Shield of Massachusetts

PPO Benefits (option 1 – 100/80)Benefit In-Network Out-of-Network

Maximum Unlimited Unlimited

Deductible None $250 per member

Office Visits $15 Co-Pay then 100% 20%*

Emergency Room $50 Co-Pay then 100% $50 Co-Pay the 100%

Maternity Care (inpatient) No charge 20%*

Vision Exam Co-Pay then 100% 20%*

(1 per 24 mos.)

Prescription Drugs (ESI) $10/$25/$45Co-Pay ** Not Covered

*Deductible applies

**No annual maximum

Option 1 = $984.00 annual student rate (add $5.00 for on-call travel assist and $3.00 for $10,000 AD&D coverage)

Blue Cross Blue Shield of Massachusetts

PPO Benefits (option 2 – 90/70)Benefit In-Network Out-of-Network

Maximum Unlimited Unlimited

Deductible $250 per member*** $250 per member***

Office Visits $15 Co-Pay then 100% 20%*

Emergency Room $100 Co-Pay then 100% $100 Co-Pay then 100%

Maternity Care (inpatient) 10%* 30%*

Vision Exam $15 Co-Pay then 100% 20%*

(1 per 24 mos.)

Prescription Drugs (ESI) $10/$25?$45 Co-Pay ** Not Covered

*Deductible applies

**No annual maximum

***In and out-of-network combined

Option 1 = $891.00 annual student rate (add $5.00 for on-call travel assist and $3.00 for $10,000 AD&D coverage)

Blue Cross Blue Shield of Massachusetts

PPO Benefits (option 3 – 80/60)Benefit In-Network Out-of-Network

Maximum Unlimited Unlimited

Deductible $250 per member*** $250 per member***

Office Visits $20 Co-Pay then 100% 20%*

Emergency Room $100 Co-Pay then 100% $100 Co-Pay then 100%

Maternity Care (inpatient) 20%* 40%*

Vision Exam $20 Co-Pay then 100% 20%*

(1 per 24 mos.)

Prescription Drugs (ESI) $10/$25/$45 Co-Pay ** Not Covered

*Deductible applies

**No annual maximum

***In and out-of-network combined

Option 1 = $802.00 annual student rate (add $5.00 for on-call travel assist and $3.00 for $10,000 AD&D coverage)

Blue Cross Blue Shield of Massachusetts

Blue Cross Blue Shield

Member Services

Blue Cross Blue Shield of Massachusetts

Why Choose Blue?

• Brand strength and value

• Network access and discounts

• Innovative products and health care solutions

• World class concierge service

Uniquely positioned to be Bentley College’s long-term partner

Nationwide Life Insurance Company

Nationwide Life Insurance Company

Nationwide Facts:

•Rated A+ by A.M. Best

•Insuring student plans for over 6 years

•$100 Million in student insurance premium

•$30 Million in UHP/Nationwide premium

•Access PPO’s for best possible discounts, including

Multi-Plan/PHCS and FirstHealth (HCVM, CCN)

•ExpressScripts Rx Plan

Consolidated Health Plans (CHP)Claims Administration Services

CHP Facts:

•Headquartered in Springfield, MA

•Providing claims payments services for over 10 years

•Over 100 College and University clients

•$40 Million in paid claims

•Flexible Benefits

Consolidated Health Plans (CHP)Claims Administration Services

CHP Claims Payment Statistics:

•Average turn around time 5-7 business days on “clean”

claims

•Payment at 99% accuracy

•Random audits performed to ensure consistent accuracy

•Utilization review on claims over $10,000

Consolidated Health Plans (CHP)Claims Administration Services

CHP Customer Service Statistics:

•Same day response for calls received before 2:00 pm

•24 hour response time for all email inquiries

•Continual customer service training to ensure accuracy of

responses

Consolidated Health Plans (CHP)Claims Administration Services

CHP On-Line Services:

•Available 24/7

•Eligibility status look-up

•Claims status inquiry

•On-Line “EOB”, including date of service, payment date,

PPO savings, patient responsibility, etc.

•Preferred provider look-up

•On-line/printable brochure

Member Services

Nationwide Life Insurance Company

Option 1Benefits

Aggregate Maximum $50,000 Per Condition per Policy Year

Physician's Office Visit 100% after $15 Copay In-network or $25 Copay Out-of-Network

Emergency Room 80%

Inpatient Hospitalization 80%

Surgical Charges 80%

Lab and X-Ray 80% (100% for labs when samples are taken or drawn at Health Services)

Prescription Drugs 100% after $10 copay for generic or $15 copay for brand name $500 maximum per Policy Year

Premiums

Student Only $828.00

Spouse Only $1,800.00

Child Only $1,325.00

2nd Year Cap of no more than 14%

Nationwide Life Insurance Company

Option 2

Premiums

Student Only $814.00

Spouse Only $1,790.00

Child Only $1,300.00

2nd Year Cap of no more than 14%

Benefits

  In-Network Out-of-Network

Aggregate Maximum $50,000 per condition per policy year $50,000 per condition per policy year

Physician's Office Visit 80% after $15 copay 70% after $15 copay

Emergency Room 80% 70%

Inpatient Hospitalization 80% 70%

Surgical Charges 80% 70%

Lab and X-Ray 80% (100% for labs when samples are taken or drawn at Health Services)

70% (100% for labs when samples are taken or drawn at Health Services)

Prescription Drugs($500 max per policy year)

100% after a copay of $10 generic or $15 for brand name

100% after a copay of $10 generic or $15 for brand name

Nationwide Life Insurance Company

Option 3

Premiums

Student Only $915.00

Spouse Only $2,000.00

Child Only $1,450.00

2nd Year Cap of no more than 14%

Benefits

  In-Network Out-of-Network

Aggregate Maximum $50,000 per condition per policy year $50,000 per condition per policy year

Physician's Office Visit 100% after $15 copay 80% after $15 copay

Emergency Room 100% 80%

Inpatient Hospitalization 100% 80%

Surgical Charges 100% 80%

Lab and X-Ray 100% 80% (100% for labs when samples are taken or drawn at Health Services)

Prescription Drugs($500 max per policy year)

100% after a copay of $10 generic or $15 for brand name

100% after a copay of $10 generic or $15 for brand name

Nationwide Life Insurance Company

Benefit Modifications

Benefit Modification Student Only Rate (Dependents will be proportional)

1.) Increase maximum prescription drug coverage to $750 $18

2.) Immunizations (all combined) $11

3.) Routine physicals (up to $100 per year) $12

4.) STD screening package (all combined) $10