Step 1:  Replace current high-cost traditional fully insured medical plan with a premium-savings               high deductible health plan (HDHP PPO) • Save 20-50% on premiums • Flexibility of PPO platform • No referrals or medical group limitations Step 2:  Deposit premium savings into a trust spending account with Benefit Advantage, a certified               Third Party Administrator (TPA) • Savings are deposited tax-free • Savings are safe and secure in trust account with TPA Step 3:  Implement one of Benefit Advantage's proven and easy-to-use "sharedfunded" benefit               plans to mirror current employer group plan benefits • 72% of Americans spend $500 or less annually ($42/mo) on healthcare • Savings used to cover benefit differential if and when claims occur, up to plan limits, then carrier pays 100% • Plan members issued Benefit Advantage medical ID card Step 4:  Benefit Advantage ties everything together with expertise and proven claims processing system that is transparent to employer • Benefit Advantage administers and processes employee claims for the employer, with quarterly    reporting and web-based employer interface   Benefit Advantage Options   HIGH MEDIUM LOW   15/500 25/1000 35/1500 Deductible $0 $0 $0 Max Out of Pocket (Family x2) $1,500 $2,000 $3,000 Office Visit $15 $25 $35 Lab/Xray $15 $25 $35 CT/MRI/PET $150 $150 $150 Inpatient Hospital     Hospital Services $500a $1,000a $1,500a     Physician/Prof. Services $0 $0 $0 Outpatient Hospital/Surgery     Hospital Services $150 $250 $350     Physician/Prof. Services $0 $0 $0 Emergency Room $100 $100 $100 Urgent Care $50 $50 $50 Ambulance $100 $100 $100 Prescription Drug $10/$20/$40 $10/$25/$50 $15/$35/$50     Brand Deductible $0 $0 $0 © 2007 Benefit Advantage 10606 Trademark Parkway North #201A Rancho Cucamonga, CA 91730 909-980-1194 phone    •    909-980-1084 fax website development wow-webs