These four products have been developed to help you and your employees better manage rising health care costs. Each offers a variety of special features designed to include the employee in making better-informed health care decisions. And when used in conjunction with our empowerment tools, each product promises a long-term answer to the problem of rising costs. Power CareAdvocate PPOSM* This PPO gives members their own health care concierge. The concierge helps the member navigate the complex healthcare system by translating complex medical jargon, assisting in finding the right provider, and introducing members with chronic conditions to a health coach. HSA-Compatible Plans** This defined contribution strategy is currently creating much excitement in the health care industry. This plan design allows employees to take advantage of tax-saving accounts and get the benefit of the biggest network discounts of Blue Cross. Power HealthFund PPO* The Blue Cross answer to defined contribution plans combines a national PPO with a Power Fund Account. It provides a web site that helps members manage their accounts making it one of today's most hassle-free plans. Power Select HMO*** Power Select HMO meets the challenge of providing underserved markets and communities with affordable insurance and access to care. This means rates are up to 15% lower than our traditional HMO with these high-quality providers. *  Medical plans from Blue Cross of California and BC Life & Health Insurance Company **  From BC Life & Health Insurance Company ***  From Blue Cross of California

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