Sales Flashes

December 2008   12/19/08 2009 Eligibility Manuals for Maryland and DC/VA 12/19/08 Active Marketing of Medicare AdvantageBlue PFFS Suspended 12/19/08 Reporting Wages for Maryland Subsidy Program 12/16/08 Three Additional Services Added to Benefit Designs 12/16/08 Reminder - Redesigned Member ID Cards to be Distributed 12/11/08 FlexAmerica HRA/HSA Debit Cards 12/09/08 A New Look for CareFirst's Broker Portal 12/05/08 CareEssentials December Wellness WebEx for Employer Groups 12/03/08 Maryland Health Insurance Partnership Subsidy Updates 12/03/08 Update - Revised Member Enrollment Forms Available Online

November 2008   11/21/08 CareFirst's Position Regarding Provider "Concierge" Fees 11/17/08 PC RateQuote Update Now Available 11/14/08 MSGR Self-Employed Renewals Reminder 11/14/08 Medicare Secondary Payer Legislation 11/14/08 No Late Benefit Changes for December Effective Dates 11/10/08 CareEssentials November Wellness WebEx for Employer Groups 11/10/08 Multi-Ply Application Forms No Longer Available 11/07/08 Updates to the MHCC Registry for Subsidy Groups 11/05/08 Subsequent Enrollment for Subsidy Groups 11/04/08 Massachusetts Health Care Reform Act of 2006

October 2008   10/28/08 CareFirst Increases Broker Compensation for 2009 10/27/08 Blue365 Program Offers Discounts to Members 10/27/08 Updates to CareFirst's Preferred Drug List 10/27/08 Member ID Cards to be Redesigned 10/17/08 New Minimum Requirements for E & O Insurance 10/17/08 Medicare Part D Products No Longer Available through Broker Network 10/17/08 January 2009 Pricing Update 10/10/08 CareFirst CEO to Testify Before DC Council Today 10/10/08 CareEssentials October Wellness WebEx 10/08/08 Updates to Timeline for Subsidy Groups with 11/1 Effective Dates 10/07/08 Updates Regarding BlueFund HRA Debit Cards 10/06/08 Changes to Required CareFirst Products in MHCC Registry 10/02/08 ACS/Mellon to Contact Employer Groups 10/02/08 CareFirst Expands Broker Satisfaction Research 10/02/08 New National Dental Network Available Effective January 2009 10/01/08 Transition from Delaware to New FSA Administrator

September 2008   09/30/08 Update - CareFirst Connect Training Begins October 1 09/29/08 Additional CareFirst Connect Training Sessions Begin October 1 09/24/08 Update - HSA Compatible Pans Added to Subsidy Program Offerings 09/24/08 Broker Customer Service Closing Early on September 25 09/19/08 Revised VA Group Contract Applications Available Online 09/19/08 Creditable Coverage Update 09/19/08 CDH Issue Resolution Update 09/12/08 CareEssentials September Wellness WebEx for Employer Groups 09/12/08 No Late Benefit Changes for October & November Effective Dates 09/10/08 New Broker Compensation System 09/05/08 FDL Announces LTD 3-Year Guarantee 09/05/08 Subsidy Program Details for Effective Dates 11-1 and After 09/02/08 CareFirst Announces Top Producers

August 2008   08/29/08 Revised Member Enrollment Forms Available Online 08/29/08 Health Insurance Partnership Subsidy Program 08/28/08 Updated MSGR Product Portfolio Available Online 08/22/08 MSGR BluePreferred Options 1, 2, 7 & 9 08/19/08 Reminder: How to Accelerate the Availability of HSA Funds through ACS/Mellon 08/13/08 Meetings for Maryland Small Business Owners Regarding Health Insurance Partneship 08/13/08 CareEssentials August Wellness WebEx for Employer Groups 08/13/08 Updated Guidelines for CDH Retroactive Transactions 08/06/08 BlueFund HRA Debit Cards 08/05/08 ACS/Mellon Bank Updates

July 2008   07/25/08 4th Quarter 2008 Small Group Rate Adjustment 07/25/08 CareEssentials Programs in Español 07/16/08 BlueWorldwide Expat No Longer Available for MSGR Groups 07/16/08 New Sales of Group Dental HMO Products Resume in Maryland 07/15/08 CareEssentials July Wellness WebEx 07/15/08 Maryland Small Group Subsidy Program 07/11/08 Clarification: No Late Benefit Changes for August and September Effective Dates 07/01/08 No Late Benefit Changes for August and September Effective Dates

June 2008   06/25/08 Updates to CareFirst's Preferred Drug List 06/19/08 Annual Sales Conference 06/19/08 Fort Dearborn Rated Excellent by TheStreet.com 06/13/08 2009 HSA Limits 06/13/08 New Sales Ordering System Coming Soon 06/13/08 CareEssentials June Wellness WebEx 06/10/08 Physician Associates Provider Group Term 06/10/08 Medical Management Telephonic Campaigns 06/04/08 Standard Domestic Partner Contract Rider 06/04/08 Broker Service Calls for CareFirst Connect 06/02/08 MSGR BluePreferred Limited Benefit Plan No Longer Available - Effective Dates July 1, 2008 and After

May 2008   05/23/08 Telephonic COB Survey Pilot for Members Begins June 2nd 05/14/08 E-health Newsletter Available to Members 05/12/08 CareEssentials May Wellness WebEx 05/05/08 FDL 2009 Incentive Trip to Mexico 05/05/08 3rd Quarter 2008 Small Group Rate Adjustment 05/02/08 FlexAmerica FSA Materials Available Online 05/01/08 New Broker Express System for Quotes, Proposals and Account Installation

April 2008   04/29/08 Greater Southeast Hospital Termination 04/17/08 CareEssentials April Wellness WebEx 04/17/08 Changes to CareFirst's Preferred Drug List 04/08/08 FSA Administration No Longer Available through BCBS of Delaware 04/02/08 New Hire Waiting Period Changes 04/02/08 Certain DME Items Are Not Covered

March 2008   03/31/08 Small Group Audit Reminder 03/31/08 Underwriting Requirements for Groups Moving from Over 50 to Under 50 03/31/08 Updated Guidelines for CDH Retroactive Transactions 03/20/08 Reminder: Medicare AdvantageBlue Certification & Training 03/18/08 Update: Contacts for Urgent CDH Deductible Inquiries 03/18/08 My Account CD for Broker Demonstration 03/14/08 Private Subscriber Data Exposed through TDN Website 03/14/08 Refunds Being Issued for CDH Deductible Overpayments 03/05/08 ACH Debit Payment Option Available for Groups Billed by CareFirst

February 2008   02/27/08 Fort Dearborn Life Has Record Sales Year 02/27/08 Updates to the CareFirst Preferred Drug List 02/27/08 Medicare AdvantageBlue Private Fee for Service Product - Broker Certification & Training Required 02/21/08 Sales Offices Closed February 25, 2008 02/21/08 Web Version of PC RateQuote Updated 02/14/08 Reminder: 2008 HSA Limits 02/01/08 Unauthorized Broker/Agent Remittance & Collection of Premiums

January 2008   01/31/08 CareFirst Connect CDs from Broker Forums 01/31/08 RateFirst2 Update 01/31/08 2nd Quarter 2008 Small Group Rate Adjustment 01/25/08 Accelerate the Availability of HSA Funds through ACS/Mellon 01/25/08 New Business Rules for Deductible Credit 01/22/08 Broker Sales Department Announces Streamlined Management Structure 01/14/08 Additions to CareEssentials Health & Wellness Program 01/14/08 Reminder: Off Cycle Benefit Change Policy Effective 2/1/08 - 1/31/09 01/08/08 2008 DC/VA Eligibility Manual Available Online 01/07/08 2008 Eastern Shore Broker Forum Invitation 01/07/08 January 2008 Broker Forum Invitation 01/04/08 New Sales of Dental HMO Products in Maryland Not Available