2016 Open Enrollment: Spurwink Services

Meeting Overview Harvard Pilgrim Company Overview and Provider Network 2016 Medical Plans 2016 Pharmacy Benefits Member Savings Member Support and Resources Questions and Answers

Feel good knowing your plan is highly recognized Harvard Pilgrim is one of five private health plans in the country rated 5 out of 5 for 2015-2016.* By the Boston Business Journal (BBJ) One of the Best Places to Work in Massachusetts (2003 - 2015) Only company to be named to the BBJ's annual regional awards program for the 13th year in a row. One of the top 10 Area’s Largest Corporate Charitable Contributors seven out of eight years in a row according to the BBJ’s Corporate Philanthropy Summit (2007 – 2014**) ** NCQA's Private Health Insurance Plan Ratings 2015-2016.

More of the Doctors and Hospitals your Employees Know and Trust – Single integrated network providers Seamless 6 State Regional Network – MA, NH, VT, ME, RI & CT Strong Regional Presence throughout New England Outside MA, NH, VT, ME, RI & CT – Strong National Presence through UnitedHealthcare’s broad network: 650,000 providers and 5,050 hospitals* *Includes nationally recognized specialty and teaching hospitals First and foremost, more than 28,000 doctors and clinicians in the region and 135 hospitals, including Boston’s nationally recognized specialty and teaching institutions, accept Harvard Pilgrim health plans. Doctors who accept Harvard Pilgrim also practice in all kinds of settings – small offices, group and hospital-based practices – you name it. And with Harvard Pilgrim, it’s likely your employees can keep their current doctors. Harvard Pilgrim Enrollment Area 3

Preventive Services for all plans Preventive services are covered in full Routine physicals and annual gyn exams Outpatient Prenatal care Many common preventive tests, including (but not limited to): mammogram and pap smear routine urinalysis immunizations for children and adults non-diagnostic colonoscopy certain tests recommended based on age and habits Complete list is at www.harvardpilgrim.org Must be billed as preventive service by your provider and on the list to be covered in full

Spurwink Services, Benefit Options - 2016

Spurwink Services, Benefit Options - 2016

Pharmacy Program

Prescription Drugs Retail Prescription co-pays $10 / $30 / $50 / 30% to a $250 max per fill (30-day supply) Mail Order Prescriptions co-pays $20 / $60 / $100 / 30% to a $500 max per fill (90-day supply) Order prescriptions on the Web Home delivery convenience 90 day supply also available at Maine retail pharmacies for the same co-pay Large network of pharmacies More than 65,000 pharmacies nationwide Online pharmacy search Utilization Management (Prior Authorization, Step Therapy, Quantity Limitations) still applies to some covered drugs Preventive Rx rider on both HSA plans – deductible waived 9

Helping employees to stay healthy, for less! Your Member Savings Helping employees to stay healthy, for less!

Count us in for member discounts to help you maintain a healthier lifestyle Save on many products and services: Eye and Ear Discounts at many popular locations like Visionworks, JCPenny Optical, LensCrafters, Pearle Vision, Sears Optical and Target Optical Laser vision correction Hearing aids Dental 30 – 50% off all procedures at participating dentists through Universal Dental Plan This does not replace group dental coverage Complementary and alternative medicine 10-30% off acupuncture, chiropractic care, yoga, Chinese herbal medicine and more Massage Envy Mindful magazine RESPerRATE blood pressure therapy Nutrition Dash for Health online program Diet.com iDiet Jenny Craig Meals to Heal Weight Watchers $150 Fitness reimbursement We offer many discounts to help our members stay healthy and feel great! Go through list

Fitness Reimbursement* $150 per Harvard Pilgrim policyholder (i.e., per subscriber) per calendar year Reimbursement automatically available for fully insured subscribers Must be a member of both Harvard Pilgrim and a qualified fitness facility for at least four months in a calendar year Qualified fitness facilities are full service, health clubs that include cardiovascular and strength-training equipment and facilities for exercising and improving physical fitness (most “traditional” health clubs, YMCAs and JCCs qualify) Qualifying facilities also include fitness studios/facilities that offer yoga, Pilates, Zumba, aerobic/group classes, spinning, kickboxing, CrossFit, personal training (taught by a certified instructor) Read through slide * $150 maximum reimbursement per Harvard Pilgrim policy. Restrictions apply. Reimbursement is not available to all members. Visit www.harvardpilgrim.org/reimbursement or call for details. 12 12

Encourages healthy shopping and promotes improved health A wellness program that centers around grocery shopping purchases that engages all members – healthy, at-risk, and those with chronic diseases Integrates into member’s regular shopping routine Delivered and supported with mobile technology – easy to implement and use Encourages healthy shopping and promotes improved health Addresses affordability by offering coupons and/or employer- based incentive options Scores healthiness of grocery purchases and educates about healthier options

Member Support and Resources

Spurwink Services – Microsite www.harvardpilgrim.org/spurwink Resource for open enrollment 2016 plan information Find your doctor Look up prescription information Check back in for updated materials throughout the year Health content Calendar of upcoming wellness events Access to complete suite of wellness resources on www.harvardpilgrim.org/wellness Sample Micro-site This is just one example – can certainly send you links to many more Will notice that each site is entirely unique – very little about what we offer is “scripted” Great solution to cover a lot of ground General benefits information Plan tools and services Wellness initiatives Even better solution to keep up to date – just cannot keep print material fresh and in front Plus since this isyour own page, we can publish material, content, links that are uniquely your own This particular customer invested IT time to have deep links/authentication within this tool such that employees could access their benefit system through this tool

Telemedicine – Doctor On Demand Physician network available 24/7 in all states – group of board-certified physicians and psychologists. Access via smartphone, tablet or computer using highly rated app Convenient alternative to more costly care  PCP cost sharing paid with credit card at time of virtual visit Doctor on Demand medical telemedicine visit: $40 (HDHP) No referral or authorization Low acuity, urgent visits Sore throat, cough, conjunctivitis, rash, cold & flu, UTI Prescriptions electronically submitted to member’s pharmacy No controlled substances

Online services at your fingertips: www.harvardpilgrim.org Find doctors and access contact information and profiles Look up prescription information Take our interactive quizzes, calculate your personal health metrics calculator and use our Symptom Checker Find up-to-date and credible health information on topics that interest and relate to you Search over 8,000 health-related topics Enroll into your own member portal: HPHConnect Read through slide

Ways to use your plan – day or night through HPHConnect online Account information Update information Select a primary care provider (PCP) Order ID Cards Take a health assessment to develop your personal action plan Personal Health Record Claims - the status and amount of medical bills Benefits and eligibility - specifics on your coverage and costs Illnesses/conditions Medical history - includes immunizations and procedures Visit summary Medication profile – personal medication history Family and social history Wallet card - create personal portable medical summary HPHConnect makes it so easy to manage your HPHC benefits…go online 24 hours a day, 7 days a week. It’s also a highly secure and confidential system. HPHConnect lets you… read through slide Our system is simple, secure and free…it’s just one of the many ways we’re making great health care easier! We’re also continually updating our web site, www.harvardpilgrim.org with new features that are innovative, exciting and reliable…log on today to see what’s new!

HPHConnect for Members ABC Member # HP

Count us in to have your back, with more ways to serve you better Access by phone - 1-888-333-4742 Timely and accurate responses to your questions Interactive Voice Response (IVR) offers 24-hour access to general information Access via www.harvardpilgrim.org - 24/7 Self-service with HPHConnect E-mail Member Services and get responses quickly

Questions