STRENGTHS OF HUMANA

1
U K
HUMANA OVERVIEW OF ADMINISTRATIVE
SERVICES OCTOBER 3, 2001
2
HUMANA PARTICIPANTS

• Cindy Wise, Director of Large Group Sales
• Ninette Gaither, Director Large Account
  Executives
• Terri Lacefield, Director Operations, Self-Funded
  Solutions
• Reno Altschul, Account Manager, Lexington Market
• Debbie Griffith, Manager Self-Funded KY Market
• Carla Whaley, VP Commercial Sales
• Betsy Warren, Clinical Manager, Outcomes Analysis
• Kevin Zurlage, Director Provider Operations,
  Lexington Market

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Agenda

• Reno Altschul Introduction
• Cindy Wise Humana Today
• Terri Lacefield Operations
• Kevin Zurlage Network
• Betsy Warren Pharmacy
• Cindy Wise Administrative Services Humana
  in the Future

4
University of Kentucky/Humana Network Strategy

• Goals
• Maximize member access to participating providers
  in a PPO network
• Access best provider discounts to lessen costs to
  University/Employees
• Strategy
• Utilize Humanas cost effective network wherever
  member access is adequate
• Supplement with Choice Care Network for wider
  coverage and more provider choice
• Fill gaps with Healthstar/PPO Next network to
  offer maximum number of members access to PPO plan

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Humana/Choice Care Network - 88 counties
Humana Healthstar (PPO Network) - 11 counties
Choice Care Healthstar (PPO Network) - 12
counties
Boone
Kenton

Campbell
Humana (Indemnity) - 9 counties

13
13
Gallatin
24
Robertson
Carroll
Grant 21
4
Pendleton 2
3 Bracken

Trimble
Mason 60
4
4
Greenup 19
Lewis 9
Owen 15
3
Oldham
Harrison 51
Henry 3
Boyd 95
Fleming 14
Carter 13
30 Nicholas
13
Scott 244

Franklin 112
Shelby 26
Bourbon 181
Rowan 21
Bath 23
Jefferson 338
Elliott 4
Lawrence 5
Wood- ford 325
4 Spencer
66 Montgomery
Fayette 9941
Henderson
Hancock
80 Anderson
Morgan 4
Clark 244

Bullitt 11
Menifee 8
Jessa- mine 744
Johnson 36
Meade 9
27 Powell
Martin 8

Nelson 10
Mercer 91
Wolfe 14
Magoffin 9
Brecken- ridge 5
Wash- ington 14
Estill 20
Madison 275
4
Floyd 92
Daviess 70
Hardin 133
101
Boyle 67
Garrard 74
Lee 12
Union 6
Pike 24
Breathitt 77
Webster 12
Marion 6
Larue 10
Lincoln 23
Rock- castle 17
Jackson 19
Owsley 7
McLean 4
Livingston
Ohio 13
Knott 17
Grayson 15
Taylor 2
Perry 133
Crittenden 3
Casey 6
McCracken
Hopkins 93
Hart 6
Green 4
Muhlen- burg 7
Clay 7
Letcher 43
Butler 6
Edmon- son 5

Leslie 19
Laurel 24
Pulaski 170
Ballard
Caldwell 48
15
Adair 4
Met- calfe 4
Russell 8
4
Warren 17
Lyon 12
Barren 3
Knox 11
128
Christian 58
Harlan 98
Logan 6
Carlisle
24 Marshall
Cumber- land 2
4
Whitley 21
Todd 5
Wayne 21
Hickman
Trigg 9
Simpson 6
Allen 6
Bell 23
13 Mccreary
Graves 20
Monroe 5
6
Fulton
Clinton 5
Calloway 11
5
UK Actives and Retirees
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Fayette Surrounding CountiesHumana Choice
Care Network Participation

Area Penetration Hospital - 90 Area
Penetration Physician - 90 Statewide Penetration
Hospital - 79 Statewide Penetration Physician
- 76
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Network Status/Next Steps

• Expand Choice Care Network
• 124/214 targeted physicians completed
• 4/12 targeted hospitals completed
• Pulaski County
• Humana/Choice Care Networks

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Humana Today

• Health Benefits Company - 40 years old
• Kentucky Corporate Office with National Presence
• 15 Years of Experience in Self Funding
• Presence in all 50 States
• Disease Management
• Disease Management News Ranked Humana Best in
  Nation
• Disease Management Purchasing Consortium
  Recognition
• Internet Abilities
• Top 10 Ranking by Web Criteria for User
  Experience Accessibility
• Ranked 29th of 500 in PC Week
• Web Site Link to Healtheon/MD
• Onsite Claims Summary for Individuals

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Humana Today

• Technology
• On-Line Enrollment and Eligibility Verification
• Automated Enrollment
• Secure, Convenient Access to Health Records
• Information Management Software for Claims
  Payment and Customer Service
• ID Card Requests On-Line
• Member Benefit Information
• SPD On-Line Requests

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UK Administrative Services

• Claims Administration
• Network Access
• Utilization Review (Personal Nurse)
• HumanaFirst
• HumanaBeginnings
• Interface with Stoploss Carrier
• Reports (Monthly, Quarterly, Annually)
• On-Site Representation - Local Representatives
• -
  Monthly On-Site Claims Processor
• ID Cards
• Production of Summary Plan Descriptions (SPDs)

11
Humana in the Future

• Testing New Products on Ourselves
• Emphysis
• Provider Directory Printing on Demand
• E-Mail Access to Customer Service
• Notification of Doctors Appointment
• Smart Card Technology
• Constant Evolution
• Making it Easier to do Business with Us Lexmark,
  GE, Dell Computers
• _at_ Humana
• Revolutionizing the Health Care Experience
• for our Large Group Customers