Why Is It Increasingly Difficult to Grow?

The Strategic Imperative 8™

The Impact of the Top Three Strategic Imperatives on the US Health Insurance Industry

Growth Opportunities Fuel the Growth Pipeline Engine™

US Healthcare Payer Authority

2022 Payer Ecosystem

Important Regulations for US Healthcare Payers

Important Regulations for US Healthcare Payers (continued)

Medicaid Expansion (ACA)

Growth Drivers

Growth Restraints

Medicare

Standard Medicare vs Medicare Advantage (Medicare Part C)—2022

Medicare-Medicaid (Medi-Medi) Beneficiaries

Medicaid Overview

Medicaid Coverage

Medicaid for Long-Term Care

Commercial Health Insurance

Broad Trends and Technology Initiatives by Payers

Growth Opportunity 1—New Era of Portable and Smaller Medical Devices to Address Hospital at Home Demand

Growth Opportunity 1—New Era of Portable and Smaller Medical Devices to Address Hospital at Home Demand (continued)

Growth Opportunity 2—Home Health Agency Business to Evolve Patient Mix and Reimbursement in Response to Virtual Care Growth and PDGM

Growth Opportunity 2—Home Health Agency Business to Evolve Patient Mix and Reimbursement in Response to Virtual Care Growth and PDGM (continued)

Growth Opportunity 3—Hospital at Home a Major Growth Avenue for Care at Home Services, Payers, Healthcare Facilities, and Physician Groups

Growth Opportunity 3—Hospital at Home a Major Growth Avenue for Care at Home Services, Payers, Healthcare Facilities, and Physician Groups (continued)

List of Exhibits

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