1. Leo GarneauVice President of MarketingPHX,IncFounderSculptedFog,LLC

2. A Strategy for Effective Communication of Healthcare Benefits

4. the Issues/Opportunities

6. Yesterday’s Actuality Today’s Reality Employee Responsibility increased 40% from 2004-2009 Government and Employer Responsibility

7. Healthcare Market Dynamics Influenced by Consumerism $ Employer Consumer Control Decisions Responsibility

8. Employer Role Shift Gatekeeper Enabler

10. B2B2C Competitive Advantage

12. 66% of Consumers are confounded by their coverage and benefits¹ 70% said they could explain their plan to a co-worker¹ ¹Guardian Life Insurance Company of America 10/07 *National Survey of Employer-Sponsored Health Plans, Mercer 2007

14. Only 49% of Employees believe their plan is easy to understand

15. Only 46% of Employees are confident in the quality and value of their Employers communication about their health plan.¹Towers Perrin 2007 ABHP (Account Based Health Plan) Survey

16. All is Well HuH?

17. Solutions

19. Seek to understand the relationship between your Customer and the Consumer

20. Understand the distinct psyches of the employee as he/she resides in the patient, consumer, care giver, employee roles

23. Innovate and simplify processes

24. ‘Easy ‘ is the mantra of Consumers

25. Blast away obstacles that impede utilization

27. Spouses want open access to plan information, account balances…¹Data on file McNeil Consumer Healthcare 2008

28. Frequency employees want to receive health-related communications 73% Source: Midwest Business Group On Health and GlaxoSmithKline, November 2008

30. FSA and You “Give yourself a Raise”

31. FSA and YouStrategic Employee Outreach Program

33. Employees exposed to “Consumerized” health materials used their accounts 3X more often than those who weren’t

35. Customizable Tools

36. Video

37. Mobile

38. Games

39. Advergames

40. Social Media

41. Virtual WorldsData on File McNeil Consumer Products Company 2008¹

42. Confidential Copyright: McNeil Consumer Healthcare division McNeil-PPC 2007

43. B2B2C Results Pitney Bowes – 132% increase Staples – 1544% increase Adding an incremental $3MM/YR to Pitney Bowes bottomline Copyright: McNeil Consumer Healthcare division McNeil-PPC 2008 Copyright: McNeil Consumer Healthcare division McNeil-PPC 2008

45. Cross sold programs like pain management and wellness

46. TPA partners increased participation on average 81%

47. PayFlex transitioned to a B2B2C strategic approach

48. Won 13 of 13 targeted RFP’s

49. Customer loss ratio dropped from 6% to <1%

51. Increased Customer Retention

52. Increased New Business Development

53. Increased Cross Sell Opportunities

55. Set aggressive goals

56. Target Customers that are “Consumer Centric” first

57. Build a Communication strategy

58. Speak the language of the Consumer

59. Pulse communication using meaningful bursts

60. Needs, Motivations and Priorities change– What worked yesterday???

61. ‘Easy’ = success

63. Thank You Confidential Copyright: McNeil Consumer Healthcare division McNeil-PPC 2007