Delete this slide before distribution Welcome to Chapter 2 – Medical Benefits and Cost Please remember: All Chapters provided in the 2016 Employee Presentation are intended to be part of a module series There are 6 chapters Follow along with and compile these into your own presentation (see below) in the order they are presented Text items in red are variable. Please modify them as necessary in order to fit your customers’ needs Please pick and choose from the slides provided to create a custom presentation that is right for you and your customers. Delete this slide before distribution INSTRUCTIONS—DELETE BEFORE FINALIZING

We make it easy to pick a plan that fits your needs. Medical Benefit Intro BENEFITS We make it easy to pick a plan that fits your needs. We make it easy to pick a plan that fits your needs. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Understanding your costs BENEFITS Understanding your costs Co-payment Each time you see a provider or fill a prescription, you’ll pay a co-pay (a fixed amount each time). Deductible You pay your share of care, which is 100% of the costs until you reach your deductible. Some health insurance terms can be unfamiliar or hard to understand. Let’s go over a few key terms that will help you understand how you plan works. Co-payment Each time you see a provider or fill a prescription, you’ll pay a co-pay (a fixed amount each time). Deductible You pay your share of care, which is 100% of the costs until you reach your deductible. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Understanding your costs BENEFITS Understanding your costs Co-insurance After you’ve reached your deductible, you only pay a percentage, called co-insurance. Out-of-pocket limit You’ll never pay more than your out-of-pocket limit during the plan year. The out-of-pocket limit includes all of your network co-payment, deductible and co-insurance payments. ESTIMATE health care costs. Visit welcometouhc.com Co-insurance After you’ve reached your deductible, you only pay a percentage, called co-insurance. Out-of-pocket limit You’ll never pay more than your out-of-pocket limit during the plan year. The out-of-pocket limit includes all of your network co-payment, deductible and co-insurance payments. You can also use our easy-to-use tools to see what a treatment or procedure typically costs, [estimate costs of prescriptions] and see what your share of expenses may be. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Choice Plan Choice Plus Plan Select Plan Plan Choice Options BENEFITS Your plan choices Choice Plan Choice Plus Plan Select Plan 1 2 Presenter Note: Update options with offered plan names, eliminate unnecessary options As an overview, you are being offered the following plans from UnitedHealthcare. 3 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Your medical plan 1 Plan Benefit Chart Plan 1 BENEFITS NO REFERRALS REQUIRED OUT-OF-NETWORK COVERAGE NATIONWIDE NETWORK NO PCP REQUIRED PHARMACY BENEFITS Plan 1 Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points. Here’s a quick glance on what your plan provides. You can see any health care provider including specialists in our nationwide network, without a referral You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you. You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals Your plan includes coverage for prescription medications Now let’s address compare the costs of each plan. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Your medical plan choices 2 Plans Benefit Chart BENEFITS Your medical plan choices NO REFERRALS REQUIRED OUT-OF-NETWORK COVERAGE NATIONWIDE NETWORK NO PCP REQUIRED PHARMACY BENEFITS Plan 1 Plan 2 Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points. Here’s a quick glance on your plan options. You can see any health care provider including specialists in our nationwide network, without a referral You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you. You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals Your plan includes coverage for prescription medications Now let’s address compare the costs of each plan. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Your medical plan choices 3 Plans Benefits Chart BENEFITS Your medical plan choices NO REFERRALS REQUIRED OUT-OF-NETWORK COVERAGE NATIONWIDE NETWORK NO PCP REQUIRED PHARMACY BENEFITS Plan 1 Plan 2 Plan 3 Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points. Here’s a quick glance on your plan options. You can see any health care provider including specialists in our nationwide network, without a referral You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you. You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals Your plan includes coverage for prescription medications Now let’s address compare the costs of each plan. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Your medical plan choices 4 Plans Benefit Chart BENEFITS Your medical plan choices NO REFERRALS REQUIRED OUT-OF-NETWORK COVERAGE NATIONWIDE NETWORK NO PCP REQUIRED PHARMACY BENEFITS Plan 1 Plan 2 Plan 3 Plan 4 Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points. Here’s a quick glance on your plan options. You can see any health care provider including specialists in our nationwide network, without a referral You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you. You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals Your plan includes coverage for prescription medications Now let’s address compare the costs of each plan. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Your medical plan choices 5 Plans Benefit Chart BENEFITS Your medical plan choices NO REFERRALS REQUIRED OUT-OF-NETWORK COVERAGE NATIONWIDE NETWORK NO PCP REQUIRED PHARMACY BENEFITS Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points. Here’s a quick glance on your plan options. You can see any health care provider including specialists in our nationwide network, without a referral You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you. You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals Your plan includes coverage for prescription medications Now let’s address compare the costs of each plan. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Delete this slide before distribution This ends Chapter 2 – Medical Benefits and Cost Please open Chapter 3 – Medical Plans Copy and paste slides from Chapter 3 into your Master Click on the first slide and then press shift while you click on the last slide Right click on the first slide and select copy Go to your Master (Chapter 1) Click below the thumbnail of the last slide in that section Right click there and select Copy—Use Source Formatting Whichever slides from Chapter 3 that do not apply to your customer’s needs, delete Delete this slide before distribution INSTRUCTIONS—DELETE BEFORE FINALIZING