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et r - --, If you n_eeo a,ted bi.-,! medical ca[e.

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· l2) lnstagram.com/UnttedHealthcare C YouTube.comjUnttedHealthca;e

• A TTY is a special device that lets people who are deaf, hard of hearing or speech-impaired use the telephone to communicate by allowlng them to type messages back and forth to one another. - ..

0 Get started.

@ Activate your myuhc.com® account. When it comes to managing your health plan, myuhc.com lets you see what's covered, manage costs and so much more. To help everyone get the most from their plan, it's important that each member age 18 and over create their own account. Then, use it to: • Find a network doctor. • View and pay claims. • Check your account balances. • Learn about preventive care. • Find and estimate costs. • Watch a personalized video about your plan's coverage and costs:

Set up your account today. • Go to myuhc.com > Register Now. • Have your ID card handy and follow the step-by-step instructions.

9 Download the UnitedHealthcare® app. The UnitedHealthcare app puts your health plan at your fingertips. Download it to: • Find nearby care options in your network. • See your claim details and view progress toward your deductible. • View and share your health plan ID card. • Video chat with a doctor-without leaving the app.

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Access your plan from your car. Orfrom

your couch.

· 1nfom,ation will vary to reflect your actual coverage. Members with a Health Incentive Account are not ehg1b!e for the video.

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Get started .

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Simple ways to save. Stay in the network. The doctors and faci lities in the network have agreed to provide services at a d iscount-so staying in network makes sense, especially when visiting an out-of-network provider could end up costing you a lot more for care. Sign in to myuhc.com > Find Care & Costs to locate:

• Labs • Hospitals • Mental health professionals • Network doctors • Pharmacies • And more

Look up the cost of a medication. Sign in to myuhc.com > Phanmacles & Prescriptions to find information about your medication, prices

and lower-cost options.

Shop around. With such a wide variety of services. from minor procedures to major surgeries, it's a good idea to check approximate pricing first. Visit myuhc.com > Find Care & Costs to estimate your costs. Members who comparison shop may save up to 36 percent" for care near them. · UnitedHealthcare Internal Claims Analysis, 2015.

Know everything from your benefits to your balances.

Q Watch your personalized video for a quick and easier way to understand your coverage, out-of-pocket costs and how your plan· works. Watch (and re-watch) anytime by signing in to myuhc.com > Coverage & Benefits.

A little planning ... may save a

lot of money.

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· Information will vary to reflect your ac1ual coverage. Members with a Health Incentive Account are not eligible for the Video.

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e If you need medical care.

• How to get the most out of your benefits. Pick a network PCP. A PCP is a primary care provider, sometimes called a primary care physician or doctor. It can be a family practitioner. internist, pediatrician or general medicine physician. Although your plan may not require you to choose a PCP,· fs a good idea to have one. Your PCP generally: • Knows your history. • Builds an in-depth knowledge of your health over time. • Helps guide you on the best path of care. • Can advise you when to see a specialist and provide electronic referrals.

Find a network provider. Sign in to myuhc.com > Find Care & Costs to find a network PCP, clinic, hospital or lab based on location, specialty, reputation, estimated cost of services, availability, hours of operation and more. You can even see patient ratings and compare quality and costs before you choose a provider. If you would like more information about a provider's qualifications, call the toll-free member phone number on your ID card.

Make more informed choices. The UnitedHealth Premium'" Program uses national, evidence-based, standardized measures to evaluate physicians in various specialties to help you locate qualtty and cost-efficient providers. Find UnitedHealth Premium Care Physicians by going to myuhc.com > Find Care & Costs. Look for blue hearts.••

Keep up on preventive care. Preventive care-such as routine wellness exams, certain recommended screenings and immunizations-is covered by most UnitedHealthcare plans at no additional cost when you see network providers. Learn more at uhc.com/preventivecare.

Depending on your health plan, selection of a primary care physician may be required

If you need medical care.

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8 Know what to do if you need: Referrals. If your ID card states "Referra ls Required." you'll need an electronic referral from your PCP before seeking services from another network provider. Please refer to your coverage details to learn which services require referrals.

Hospital care. Talk to your PCP first to determine which hosprtal in your network can meet your medical or surg ical needs. You or the admitt ing physician may be required to notify UnrtedHealthcare before you're admitted.

Prior authorization. Your plan may also require prior authorization before you receive certain services. This means that you or your network provider may need to get approval from your plan before the services are covered. Call the tolefree member phone number on your ID card or sign in at myuhc.com > Coverage & Benefits to check if prior authorization is needed.

• Here's an example of how a health plan works. Let's take a look at an example of how a typical plan works when you receive care from a network provider. Your plan may be different. Find your specific plan details at myuhc.com > Coverage & Benefits.

At the start of your plan year ...

I

-. You're responsible for paying 100 percent of your covered health services until you reach your deductible, which is the amount you pay before your health plan pays a portion.

Along the way ...

You may also be required to pay a fixed amount - or copay - each time you see a provider.

Once you reach your deductible ...

Your health plan starts to share a percentage of the costs for covered health care services wrth you-this is your coinsurance.*

When you reach your out-of-pocket limit ...

Your plan covers your costs (the al lowed amount) at 100 percent. Your out-of-pocket limit is the most you'll pay for covered health services in a plan year-copays and coinsurance count toward th is.

YOU PAY 100%

YOU PAY 100% of the copay

YOU PAY 30% '

YOUR PLAN PAYS 70%

YOUR PLAN PAYS 100%

· Your coinsurance may vary by service Th,s example Is for illustra!we purposes onty Please visit myuhc.com > Coverage & Benefits for your coverage details

-If you need medical care.

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8 Get to know your care options and costs.

Care Options

Average cost~

Hours

How much you pay tor care can depend on where you go. You'll want to make your PCP your first stop whenever possible. For life-tt1reatening conditions, call 911 or go to an emergency room.

START HERE

I PCP Virtual Visits

Gare from the d oc1or Seo a d octor \\llQ kro.vs you best V1.henEM:?r .... 11erever

Varies by plan type +w1w+w Varies by locatfon 24/7

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Convenience Care

Basic concJ,hons !hdl aren t l,'e threa:en,ng

Varies by location

Urgent Care

Se nous cond 110ns that aren t lfe--threato:m•nJ

Varies by locatlon -maybe open

nights/ weekends

Emergency Room

Ve and hmDmrea'Af\lng eme,g-onoes

II 24/7

How to Connect Contact your PCP myuhc.comjvlrtualvlslts myuhc.com myuhc.com myuhc.eom

indicates the recommended place for care when ii comes lo the following common conditions;

Broken bone

Chest pain

Cough

Fe,,e,

Muscle strain

Pinkeye

Shortness of breath ----

Sinus problems

Sore throat

Sprain

Unnary tract infection

Did you know? Emergency room s are the m ost expensive p lace to get care. When you need to be seen, consider the chart above to help you find care. If you're still unsure about what's best for your situation, sign in to myuhc.com > Find Care & Costs to locate a network provider or call the member phone number on your ID card for support. If you have a question about what's covered by your plan. visit myuhc.com > Coverage & Benefits for answers.

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E) Using your pharmacy benefits.

f) Say hello to savings. With OptumRx" . your pharmacy care provider, it's easier to save on medications and easier to keep track of them, too-whether you're online or on the go.

Manage your meds. Visit myuhc.com > Pharmacies & Prescriptions to:

i>~ • Find and compare medication costs. • Locate a network pharmacy. • See if your medications have any

requirements before filling them.

0 Two easy ways to fill your prescriptions. 0 Home delivery.

Order up to a 3-month supply of medications you take regularly. Sign up on myuhc.com, use the UnitedHealthcare app or call the number on your ID card. There's free standard shipping to U.S. addresses. Make sure you have at least a 1-month supply to cover you through the transition.

8 Pick up at the pharmacy. Show your ID card at any United Healthcare network pharmacy-which can be found by checking the Pharmacy Locator on myuhc.com, the UnitedHealthcare app or by calling the member number on your ID card.

z·zm re, ww Get your fill.

One way or another.

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--C, Programs designed for better health.

Once your health plan becomes active, you can choose to participate in the fo llowing programs. There's no additional cost to you-just the opportunity to get information and support. Find out more at myuhc.com .

• Health and Wellness Everything you need to help you lose weight and keep it off.

Jump in.

W hether you want to lose a lot of weight or just a few extra pounds, try Real Appeal". · · a digital weight loss program focused on making small changes to help you live a healthier life . It includes:

• A personalized transfonmatlon coach who will guide you by customizing steps to fit your needs, personal preferences, medical history and goals.

• 24/7 online support and a mobile app to help you stay on track and reach your goals.

• A success kit featuring program guides, exercise videos, a digital food scale and more. The Roal Appeal program is available at no add11+onal cost to eligible members as pan of vour hoatth plan. • • Access to Real Appeal not available in Hawaii.

Your path to better health. Sign up for Rally" on myuhc.com. It's a program to help you move more and eat better. It even rewards you for your progress. How it works: • Take your health survey. It'll guide you with visual prompts. You' ll receive your results as a "Rally Age5M" - a number

to help you assess your actual age compared to your health age based on your survey responses. • Pick your focus. Get personalized activities and recommended missions- or individual action plans- based on your

survey results. Missions provide activities to help improve or maintain your health. Choose ones that fit your lifestyle. • Earn rewards. As you complete certain activities, you'll earn Rally coins. Use them to enter sweepstakes for

chances to win prizes, get discounts, support charities or bid in auctions. The more you participate in Rally. the more coins you earn.

8 Decision Support Have a health plan question? We're here to help you find information and resources.

• Have questions about your benefits?

• Need help resolving a claim?

• Not sure where to go for care? • Have questions about a recent screening or test?

• Can't find a doctor? Contact us for help with a personal touch. Call the member phone number listed on your ID card or sign in to

myuhc.com and click the Call or Chat button.

Get access to the nation's leading health care facilities. If you have a special condition, our Centers of Excellence network provides help finding a doctor and medical center as well as help with understanding your illness. To see covered conditions, sign in to myuhc.com.

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Programs designed for better health.

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8 Support for Parents Get support throughout your pregnancy. Learn wl1at to expect, how to stay healthy, and manage your health through pregnancy and postpartum using various resources and tools offered by UnitedHealthcare. Call the number on your health plan ID card to get more information.

8 Care for Specific Conditions Get 24/7 care by video with Virtual Visits. A Virtual Visit lets you video chat with a doctor 24/ 7 from your computer or mobile device· for everyday condrtions like the flu, coughs, infections and more without an appointment. The doctor can provide a diagnosis and, if appropriate, send a prescription·· to your local pharmacy. It's all part of your health benefits. Doctors can diagnose and treat a wide range of non-emergency medical conditions, including :

• Allergies • Eye infections • Rashes • Bladder/ Urinary tract infections • Flu • Sore throats • Bronchrtis • Headaches/migraines • Stomachaches

It's easy to get started. Visit myuhc.com/virtualvisits to sign in to your account or set one up if you don't have one. Complete a brief health profile and request a visrt. You will pay your portion of the service costs according to your medical plan, and then you will enter a virtual waiting room. During ycur visit, you'll be able to talk to a doctor about your health concerns, symptoms and treatment options. · Data rates may apply. •• Certain prescriptions may not be available, and other restrictions may apply.

Start living tobacco-free. Since 1985, Quit For Life® has helped more than 3.5 million tobacco users quit for good. It's a personal support program available at no addrtional cost to you. Choose from a variety of online tools and get access to a Ourt Coach~ and a mobile app to customize a qun plan to help you break free from tobacco. Enroll today at myuhc.com.

Emotional support. Your behavioral health benefit provides access to a network of nearby providers with options for either in-person care or a Virtual Visit 24/7. Get started and find a provider today by visiting liveandworkwell.com or call the tol,free member phone number on your ID card. The behavioral health benefit offers support for: • Alcohol and dnug use recovery. • Coping with grief and loss. • Compulsive habits and disorders.

• Depression, anxiety and stress. • Relationship difficulties. • Medication management.

And that's a wrap.

Easypeasy.

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We do not treat members differently because of sex, age, race, color, disability or national origin.

If you think you weren't treated fairly because of your sex, age, race, color. disability or national origin, you can send a complaint to the Civi l Rights Coordinator:

Mall: UnitedHealthcare Civil Rights Grievance P.O. Box 30608 Salt Lake City, UT 84 130

Online: UHC_Civil_Rights@uhc.com You must send the complaint within 60 days of when you found out about it. A decision will be sent to you within 30 days. If you disagree with the decision. you have 15 days to ask us to look at it again. If you need help with your complaint, please call the tol l-free member phone number listed on your ID card .

ATENCION : Si habla espanol (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposici6n. Uame al nl.lmero de tel8fono gratuito que aparece en su tarjeta de identificaci6n.

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XIN LlfU Y: Ne'u quy vj n6i tie'ng Viet (Vietnamese), qu'y' vise dU'Q'C cung ca'p djch vv trQ' gillp vE! ng6n ngU' mien phi. Vui IOng goi s6 di(!n thoq,i mien phi r1 m~t sau the hQi vien cUa qu'{ vj.

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ATANSYON: Si w pale Krey61 ayisyen (Haitian Creole ), ou kapab benefisye s8vis ki gratis pou ede w nan lang pa w. Tanpri rele nimewo gratis ki sou kat idantifikasyon w.

You can also file a complaint with the U.S Depl of Health and Human Services: Online: h ttps ://ocrpo rtal.hhs,g ov/ oc r/portal/ lobby.jsf

Complaint forms are available at http://www.hhs.gov/ocr/office/ file/index.html.

Phone: Toll-free HI00-368-1019, 1-800-537-7697 (TDD)

Mail: U.S. Dept. of Health and Human Services 200 Independence Avenue SW, Room 509F HHH Build ing Washington, DC 20201

We provide free services to help you com municate with us such as letters in other languages or large print. You can also ask for an interpreter. To ask for help, please call the toll-free member phone number listed on your health plan ID card .

ATTENTION : Si vous parlez fran~ais (French). des services d'aide linguistique vous sont proposes g ratuitement. Veuillez appeler le numero de telephone gratu it figurant sur votre carte d 'identification.

UWAGA: Jeieli m6wisz po polsku (Polish), udost~pnil iSmy darmowe uslugi tlumacza. Prosimy zadzwoniC pod bezplatny numer telefonu podany na karcie identyfikacyjnej.

ATENCAO: Se voce fa1a portugues (Portuguese), contate o servir;o de assistencia de idiomas gratuito. Ligue gratuitamente para o nUmero encontrado no seu cartao de identificayao. ACHTUNG: Falts Sie Deutsch (German) sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen zur VerfUgung. Bitte rufen Sie die gebUhrenfreie Rufnummer auf der RUckseite lhres Mitg1iedsausweises an.

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And now a word from our lawyers. vtslt www.uhc.com/legal/ requlred-slaltH'lotlces to v;ew Important state r~uir~ notices. 11.",,mt>e-• DhOne numb?f E.e<"Vlces should not be used for emer-gency Of u~nt cart! ne-:?'ds In an emergency, ca~ 911 or go to the nearest emergency roorn -.,_e •n1,:ir-ra· ,.. ;:-·:- c~ 1°"1 rr,o:m~r phone r-umt:,,>,r ~l"V'>ce"3 are tor in•ormat,ona: pufPOSPS on", ~d prov,decl as oan of your health plan Wellness nurse5. coaches and otner reoresen·a• Y!>S r:.;,--- . • :: .J;-· prob!,:irns

0, recornmr,ncl treatm..,nt a'"ld are noi a 'jUbsl •..t.:i f.~,r ~ou• doctors ca"'! Please discus.s .,,,,th your doctor how the mformat1on orovid<?d 1,; nght tor you Y~v re2~.1 .. ,. ,_ :l'. ,.

r:onfldt>nl,:l' ,n accordance w;h the la,.,. .. mbl:'r pi'l<Y'"' ..,:ri~ "'2"'-1Ces are nci an ·nsura!"\Ce program and may be dJSCont,nued at any t,me Prevl:'nl"'•-· e,

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0,~,-~e c<1-'e ~.;c;i?<; a'"E' pr:·\i'J;:od as spp,c,f,eo by the Pal ent Protect•on and Affordable Care Act ,PPACA ). based on your and 01/'lf-• n!'!.1 :~ IJ:::• A r

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co,n<;urance or deductble MNay'S re'er 10 'fOIJ' p,a-, d::>eume'11S for yeur speci'ic coverag':! (va-1uaton of New fochnoiog,es Un-'.O(IHl;.'a'lhea•e·s ~'"!'0-ca! Technology Af,Sessment Commrttee reviews chn1cal evidence tnat rmpacts the determ:na:,or of ,..,h,c>•~,e,r n"'w'... ,0,i'I a hea'lh ser..11~ w be CO."E!red nie Wedica' Te,;hno!cx;y Assessment Comm•n~ tS composed of Med,ca! D,rectors wrtn diwrse spec1alt1es and suospec,att.es '·on :nro:.. ._ • ;1

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alf,hated comoan,es. g:.Ji>sl s•~bI~: matter e-..oerts wtien reQu1red. and staff from vanous relevant areas W1tn,n Un.iedHea~ncare The Ccrnm,t·..,.,, -·-"""·.:; r-"r;r·• rev!~ publ,shed e1,nieal 0V1dence, ,nformation from gov~-nment regulatory agencies and na!lonally accepted d,rncat pos1t1on statements for new and eX1S

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lreaiments. to assist UnotedHea!thcare m ma'll.Ing 1n!ormed coverage decis,ons The Unnedl-iea''h Premium• des,gt'\3\•on program rs a resource !or inlormalional purposes onty Oes1gnat1ons are displayed 1n UnitedHealthcare online ohys,coc!"'I d 'OC:,Y e><; ,' .... 'f_,,-. .:co,-You shouid ah,,.-ays visit myuhc.oom !or the most C1Jrrent in'ormat,on. Premium designations are a guide to choosing a physician ~ d may be us~ as one of many factors you constd~, w h en ch<>Mlng 3 physk:lan. tr you already have a physician , you may also wish to confer with him or her (or advice on selecting other physicians. You sh~u!d also discuss deslgnZLUons with a physician before choosing him or her. Physician evaluations haYe a risk of error and should not be the sole basis for selecting a phys,c,an.

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myuhC.com IOI deta \"'(I program 1nlormat1on and methodolog•es The infOfmatK>n 1n this gu•de IS a general descnptIon o! your coverage It IS not a contract and does not replace the official benefit coverag~ documents which may include .i Su,.,r:-ur, c: Benehts and eo,..erage and Cert1hca"e ot Coverage/Summary Plan Descnpt1on ti descnpt,ons. percentages. and dollar amounts 1n 1h1s guide differ from what 1s 1n the of:,c,a; O-?-ie•, !::,.,,::,;;~ documents. the oll!cial benelrts co1:erage documents prevail TWltter IS a reg,stered traaemark o! r ...... ner, Inc Facebook Is a reg•stered trademark of Facebook. Inc You Tube 1s a reg,stered trademark of Google, Inc hstagram iS a reg,s:erea !rad_, .... ., •• J'

1nstagram. LLC The Unitec1Healthcare9 app IS available lor download for !Phone" or Android ...

Andr01d IS a regJStered 1rademark of Google LLC Google Play ana the Google Play IOgo are reg•stered trademarks ol Google lnc Apple, App Store and 1he Apple logo are trademarkS of Apple Inc, reg istered m the US and other countnes

Insurance coverage provided by or 1hrough UnitedHealthcare Insurance Company or its affiliates

OptumRx is an a!filiate of UnitedHealth Group All UnltedHeal1hcare members can access a cost estimate online or on the mobile app None ol the cost est,mates are intended to be a guarantee of your costs or benefits. Your act\,.'.!' coc,:s may vary When accessing a cost estimate. please refer to the Websrte or Mobile applica!lon terms of use under Find Cost and Gare section Refer to your health plan coverage docume"'.S • ·

1nlormat1on regarding your specific benefits. Advocate-4Me· should n01 be used for emergency or urgent care needs In an emergency. ca!l 911 or go to the nearest emergency room The information prOVlded through the prog--ar,, is 1::r 1nforma11ona! purposes only and provided as part of your health plan Wellness nurses, coaches and olher representatives cannot d iagnose problems or recommend treatment and are r-ct a subSt.rtute for your doctor's care Your health informat1on is kept conl1denttal In accordance with the law. The program 1s not an insurance program and may be discon1mued at any 1-me Aadrt1onal ly, 11 there 1s any difference between this 1nformat1on and your coverage documents (Summary Plan Description. Schedule of Benefits, and any allached Riders and /or Amerdmer:; your coverage documents govern. If speaking With a nurse. nurses cannot diagnose problems or recommend specific trea1ment and are not a substitute for your doctor's care

The Centers ol Excellence jCOE) program providers and medical centers are independent contractors who render care and treatment to health plan members The COE prog-am does no; provide direct health care servrces or practice medicine. and tne COE providers and medical centers are solely responsible for medical judgments and related treatments The CO!: pro;ram

15

not habte for any act or omission. including negligence, committed by any independent contracted health care professional or medical center The 1ntorma1Jon provided under the Ma1em1ty Support Program is for general 1nlorma11onal purposes only and is not intended to be nor shoutd be constl'lJed as med·cal and/ or m.rtnt,onai advice Program nurses cannot d iagnose problems or suggest treatment. This program Is not a substitute for your doctor. Participants should consult an appropnate health care pro!e5S'on;;.: tJ determine whal may be right tor them Employers are responsible for ensunng that any wellness programs they offer to their employees comply with applicable state and/ or federal la,v. includ ing. but not limited 10. GINA. ADA and HIPAA wellness reguIa11ons, which m many circumstances contain maximum !ncentrve threshold limits for al! wel lness programs combined rt\1: a-c generally limited to 30 percent ol the cost of self-Only coverage of the lowest-cost plan, as well as obhga1Ions for employers to provide certain notices to their employees Employers stiou d discuss these issues wrth their own legal counsel The United Healthcare Healthy Pregnancy apphcatIon Is only available to eligible members ol certain employer•sponsored plans. Application registration 1s reQu1red Virtual Visits phone and video chats with a doctor are not an insurance product. health care provider or a health plan. Unless otherwise required. bene!1ts are available only when serv,c~arf' delivered through a Designated Virtual Network PrOV1der Virtual Visrts are not intended to address emergency or life-threatening medical conditions and should not be used 1n those crrcumstances Services may not be available at all times or in all locations Rally Health provides health and well--beIng informatJon and support as part of your health plan II does not provide medical advice or other health services, and 1s not a subs11tute for youi doctor's care ti you have specdic health care needs. consult an appropriate health care professional Par11cipation in the health survey is voluntary. Your responses wrll be kept con'ident·al in accordance with the law and will only be used to provide health and wellness recommendat1ons or conduct other ptan activities. Real Appeal is a voluntary we!ght loss program that Is ottered to eligible partJc1pants as part of their benefit plan The information provided under this program is for general informat,ona, .• purposes only and Is not intended to be nor should be construed as medical and/or nutrrtional advice Participants should consult an appropriate health care professional to deterrn,ne i\ i".a

may be right for them Any items/tools that are provided may be taxable and part1Clpants should consult an appropnate tax professional to determine any tax obligations they may nave fr()I"'" recervrng items/tools under the program The Qu it For lite· program provides rnlormat1on regarding tobacC? ce~tron methods and related well-being support. Any health information provided by you 1s kept conf1den1ial in ,. .n'."~

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In an emergency. can 911 or go to the nearest emergency room

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