EXHIBIT 9.1
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003.

* Distribution is statistically different from the previous year shown: 2000-2001, 2001-2002, 2002-2003.

Generic drugs: A drug product that is no longer covered by patent protection and thus may be produced and/or distributed by many firms.

Preferred drugs: Drugs included on a formulary or preferred drug list; for example, a brand name drug without
a generic substitute.

Non-preferred drugs: Drugs not included on a formulary or preferred drug list; for example, a brand name drug with
a generic substitute.

Brand name drugs: Generally, a drug product that is covered by a patent and is thus manufactured and sold exclusively by one firm. Cross-licensing occasionally occurs, allowing an additional firm to market the drug. After the patent expires,
multiple firms can produce the drug product, but the brand name or trademark remains with the original manufacturer’s product.

EXHIBIT 9.2
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003.

* Estimate is statistically different from previous year by drug tier, 2000-2001, 2001-2002, 2002-2003.

Generic drugs: A drug product that is no longer covered by patent protection and thus may be produced and/or distributed by many firms.

Preferred drugs: Drugs included on a formulary or preferred drug list; for example, a brand name drug without a generic substitute.

Non-preferred drugs: Drugs not included on a formulary or preferred drug list; for example, a brand name drug with a generic substitute.

Brand name drugs: Generally, a drug product that is covered by a patent and is thus manufactured and sold exclusively by one firm. Cross-licensing occasionally occurs, allowing an additional firm to market the drug. After the patent expires, multiple firms can produce the drug product, but the brand name or trademark remains with the original manufacturer’s product.

Note: On average, generic drugs cost $7.42 in 2000, $8.05 in 2001, $8.74 in 2002, and $9.47 in 2003.

EXHIBIT 9.3
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Distribution is statistically different from the previous year shown: 2000-2001, 2001-2002, 2002-2003.

Generic drugs: A drug product that is no longer covered by patent protection and thus may be produced and/or distributed by many firms.

Preferred drugs: Drugs included on a formulary or preferred drug list; for example, a brand name drug without a generic substitute.

Non-preferred drugs: Drugs not included on a formulary or preferred drug list; for example, a brand name drug with a generic substitute.

Brand name drugs: Generally, a drug product that is covered by a patent and is thus manufactured and sold exclusively by one firm. Cross-licensing occasionally occurs, allowing an additional firm to market the drug. After the patent expires, multiple firms can produce the drug product, but the brand name or trademark remains with the original manufacturer’s product.

EXHIBIT 9.4
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

Generic drugs: A drug product that is no longer covered by patent protection and thus may be produced and/or distributed by many firms.

Preferred drugs: Drugs included on a formulary or preferred drug list; for example, a brand name drug without a generic substitute.

Non-preferred drugs: Drugs not included on a formulary or preferred drug list; for example, a brand name drug with a generic substitute.

Brand name drugs: Generally, a drug product that is covered by a patent and is thus manufactured and sold exclusively by one firm. Cross-licensing occasionally occurs, allowing an additional firm to market the drug. After the patent expires, multiple firms can produce the drug product, but the brand name or trademark remains with the original manufacturer’s product.

EXHIBIT 9.5
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2001, 2002, 2003.

* Estimate is statistically different from previous year for years 2000-2001, 2001-2002, 2002-2003.

EXHIBIT 9.6
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Tests found no statistically different distributions from All Plans.

EXHIBIT 9.7
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2003.

* Tests found no statistically different distributions from All Plans.