Deductible Credit From Prior Carrier HOW IT WORKS Deductible Credit From Prior Carrier Date Action Comments June 15 Highmark requests a report from your current healthcare carrier of deductible amounts you have already met to date – you do not need to do anything to initiate this process A second report will be requested later to capture deductible amounts not yet available to include on this report June 30 Highmark applies “credits” Deductible amounts from your current carrier will be applied to your Highmark deductible as a “credit” July 1 Highmark benefits begin You only need to satisfy any remaining balance of your deductible Until all credits are applied, you could experience out-of-pocket expenses for Highmark claims August 15 Highmark requests the 2nd report from your current carrier This report captures amounts not included on the first report (for services prior to 7/1/17) After all credits are applied, Highmark will reprocess claims to reimburse you for any out-of-pocket expenses that should have counted toward your deductible

Preventive Care Your benefits are covered 100% in-network: Preventive Care Visits (adult & pediatric) Pediatric Immunizations Routine Gynecological Exams (including Pap test) Mammograms Preventive Screenings Preventive care is a really important part of your coverage…at every stage of life, from immunizations and vaccines for babies and kids, to women’s care, to health screenings like a colonoscopy and blood work that can quite literally save your life, you and your family members are covered at 100% for your preventive care services.

Virtual Medicine (Telemedicine) Great for non-emergency conditions – such as sinus infections, upper respiratory infections, bronchitis, pink eye, sore throat, cough, etc. You have access to these Highmark approved vendors for telemedicine services – you can choose to use one or all of these vendors for your virtual consultation. KEY VENDOR DIFFERENCES: Doctor On Demand Video consult ONLY Available in 46 states and DC. NOT yet available in Alabama, Alaska, Arkansas & Louisiana Amwell Video and phone consults Available in 46 states and DC. NOT yet available in Alabama, Alaska, Arkansas & Texas

Virtual Medicine (Telemedicine) What is it? A “virtual” doctor’s visit from the convenience of your computer, smartphone, or tablet Why use virtual medicine Convenience – the doctor is available 24/7 Easy – it’s so easy to connect to doctor Care– doctors are able to treat and diagnose More than 90% of urgent care visits When should you consider virtual medicine? When you are on vacation When you don’t want to go the urgent care center Follow-up visits with a PCP or specialist when available Your benefits include Telemedicine coverage (effective 1/1/2016). Effective 12/31/2015, our contract with Teladoc will end. Teladoc will not be available for fully insured. Providers are US-based, board certified and licensed to practice medicine in the state in which the member is located. The technology used is private, secure and HIPAA-compliant in order to provide a safe and confidential consult with a doctor online. Once the member is connected and register, the doctor can review their history, answer questions and at their discretion diagnose, treat and even prescribe medication. If the member receives a prescription, it will be sent straight to the member’s pharmacy.

Find out more now – so you’re ready when you need care Go to the website and register or download the free app: doctorondemand.com amwell.com You need to register with each vendor before being able to use their services. Register/Create Profile Medical history Medications Allergies Select Your Location Doctors will be licensed in the state in which the patient is located

Make the right health care decisions It’s easy with these online health tools at www.highmarkblueshield.com : Find a Doctor: The information you need to find the right doctor in your network. Care Cost Estimator: Eliminate sticker shock over the costs of medical care. Claims Tab: View your claims and stay on top of your health care spending.

Eliminate sticker shock Know ahead of time what you’ll owe for services with our Care Cost Estimator. Cost estimates are based on your specific coverage Compare cost estimates side-by-side Estimates include all charges for a specific procedure, including hospital and doctor fees, anesthesia, medical supplies, etc. Access to over 1,600 procedures to search for cost estimates.

A key part to your health coverage.

What’s a prescription drug formulary? A list of covered prescription drugs and medications Express Scripts is our PBM. CBC uses CVS Caremark. Different PBM = Different Formularies. Highmark’s formulary includes thousands of medications in every major therapeutic category. You can look up formulary medications online at your Highmark member website, highmarkblueshield.com.

Two ways to get your prescription drugs Retail (31-day supply) Generic Copay Formulary Brand Copay Non-Formulary Brand Copay Mail order (90-day supply) 2x Generic Copay 2x Formulary Brand Copay 2x Non-Formulary Brand Copay *QHDHP: rx copays apply after deductible is met

ID Cards Will Be Arriving By The End Of June. Members will receive an ID card in the mail, with a sticker reminding them to call to activate the card. For Internal Use Only. Confidential and Proprietary

Reach Member Service at highmarkblueshield.com Online … or on the phone! Reach Member Service at highmarkblueshield.com or by calling 1-800-345-3806

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For Internal Use Only. Confidential and Proprietary Thank You! For Internal Use Only. Confidential and Proprietary