A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

PPO Features A&M Care Plan Administered by Blue Cross and Blue Shield of Texas (BCBSTX) No primary care physician (PCP) required; no referrals required to see a specialist Select any provider for care within the PPO network or outside the network When you receive care inside the network –Highest level of benefits –No claims to file –No balance billing for amounts over the BCBSTX allowed amount When you receive care outside the network –May have to file own claims –Receive lower level of benefits and can be balanced billed Worldwide coverage for emergency and non-emergency care 2

What’s New? CHANGE FROMCHANGE TO Coinsurance Plan pays 70% You pay 30% Plan pays 80% You pay 20% Copays DO NOT apply to the out-of-pocket maximum DO apply to the out-of-pocket maximum No benefits changes for the 65+ Plan Effective 9/1/2014 for A&M Care Plan 3

More Hospitals and Doctors 4 Available For a current listing of all providers see our website at: bcbstx.com Offers names, addresses, map and directions. For World Wide Assistance Call BLUE (2583) Or Collect In-network coverage is available when traveling or living worldwide 24 Hours a Day, Seven Days a Week

BENEFITS MEMBER SHARE A&M Care In-Network / Out-of-Network Plan 65+ Plan Deductible – Individual $700 / $1,400$500 Deductible – Family $2,100 / $4,200– Out-of-Pocket Maximum – Individual $5,000 / $10,000$1,400 Out-of-Pocket Maximum – Family $10,000 / $20,000– Office Visit (primary care / specialist) Most Lab and X-ray paid at 100% $30/$45 per visit / 50% after deductible 20% after deductible Preventive Services 100% covered / Not covered100% paid after deductible Inpatient Hospital 20% after deductible / 50% after deductible 20% after deductible Emergency Room 20% after deductible / 20% after deductible (50% after deductible for non-emergency) 20% after deductible Chiropractic – 30 visits per plan year $45 per visit / 50% after deductible 20% after deductible Maternity Care – Doctor $30 initial visit only / 50% after deductible 20% after deductible Diagnostic Procedures/MRIs and PET scans 20% after deductible / 50% after deductible 20% after deductible All other covered services 20% after deductible/ 50% after deductible 20% after deductible Retirees over age 65 are not eligible for copays, your benefits are secondary to Medicare Your BlueChoice PPO Benefits 5

Preventive Coverage What’s covered? Recommended routine gender- and age-specific preventive care, such as annual physical, OB/GYN exams, mammograms and other cancer screenings, well-child care and immunizations – both facility and professional services Preventive coverage provided in-network at 100% with no copay, no deductible Stay Healthy by Getting Regular Check-ups Remember: Lab tests related to an illness or condition are not considered preventive and may pay differently 6 Get an annual physical and reduce your monthly premium!

Retiree Information 7 Retirees under age 65 Are considered Network and can use the Network providers Remember: Enroll in BOTH Medicare parts A & B. When you receive your Medicare Card, notify BCBSTX and your Human Resource Office of your Medicare number which includes an alpha character. If you use a Provider that accepts Medicare or is a BCBSTX provider, you cannot be balance billed. Retirees over age 65 Choose from: A&M Care Plan 65 Plus – you must be: –Age 65 and enrolled in Medicare Parts A&B or disabled under 65 and enrolled in Medicare Parts A&B –Working for the A&M System, if at all, less than 50% time or for less than 4.5 months during the plan year –If covering a spouse, spouse must be age 65 or older (or disabled) and enrolled in Medicare Parts A&B

Retiree Coordination of Benefits Example A&M CARE PLAN (deductible not met) A&M CARE PLAN (deductible is met) Charge $500 Medicare paid 80% $400 Patient Share 20% $100 A&M Care Plan Deductible $700MET Applied to Deductible $500Zero BCBSTX Would Have Paid Zero$350 A&M Care Plan Payment Zero$100 Patient’s Responsibility $100Zero Plans calculate the normal plan benefits, then pay that amount, or the difference after Medicare has paid, whichever is less. Your coinsurance will continue until you meet the out-of-pocket maximum, then plan pays at 100%. A&M Care 65 Plus = $1,400 A&M Care Plan = $5,000 individual/$10,000 Family 8

Now you can speak to a BCBSTX Benefits Value Advisor who helps you find quality providers for health care services such as: –Imaging services (X-rays/MRIs/CT scans) –Maternity services –Joint replacement surgery –Back surgery Benefits Value Advisors can also help you plan for your health care by: –Helping you understand your benefits –Finding in-network providers –Scheduling visits –Requesting preauthorization –Helping you access online educational tools 10 Benefits Value Advisor 1. Benefits Value Advisors offer cost estimates for various providers, facilities and procedures. Lower pricing and cost savings are dependent on the provider or facility of your choosing. Same procedure, lower cost 1

11 Benefits Value Advisor Cost comparison for an MRI at two different providers: *Example cost data from Tarrant county. Member communications and information from Benefits Value Advisors are not meant to replace the advice of health care professionals. Members are encouraged to seek the advice of their doctors to discuss their health care needs. Decisions regarding course and place of treatment remain with the member and his or her health care providers. Cost estimates are just an estimate. In addition to your usual deductibles, copayments and/or coinsurance, the actual cost of the services may vary based on a number of factors including the date of service, the actual procedure performed and what services were billed by the provider and your particular benefit plan. Coverage is subject to the limitations and exclusions of your plan. Costs can vary by $2,000 for the same procedure depending on where you go!* PROVIDER A – KNEE MRIPROVIDER B – KNEE MRI $374*$2,573* One call can result in big savings! Just call the number on the back of your member ID card to reach a Benefits Value Advisor.

12 Blue Care ® Advisors – clinical professionals – can help you manage chronic health conditions such as: Asthma, coronary disease, diabetes, COPD or low back pain Understand and follow your physician’s orders Review medications, side effects, compliance, refills and current services Establish goals with caregivers, scheduling follow-ups as appropriate If you have a chronic condition, we offer support If you are identified as being at risk or having one of the managed chronic conditions, one of our Blue Care Advisors will contact you. Condition Management

Tobacco Cessation and Weight Management Programs Personal telephone coaching Secure outreach Self-paced online courses Tobacco cessation resources Weight management resources Lifestyle Management Support 13 Other Resources Counseling and coaching with licensed Wellness Coaches 24/7 Nurseline Well onTarget ® Blue 365 ® Referrals when appropriate Jenny Craig ® Life Time Fitness ® Proctor & Gamble Dental Products Vision Plans And more…

24/7 Nurseline Around-the-Clock Advice and Information by Phone /7 access to registered nurses for health conditions such as: ‒ High fevers ‒ Earaches ‒ Cuts and bruises 1,200 audio health library topics Referral of members with care needs to the appropriate program Follow-up calls for emergency care needs Available in English and Spanish 14

15 A New Way to Experience Wellness Access Well onTarget by logging in to Blue Access for Members and get support to make healthy choices o Health Assessment (HA) o Self-Paced Courses o Trackers o Food and Exercise Diary o Health and Wellness Content o Fitness Program o Complementary and Alternative Medicine

Making wellness simpler, more affordable and more accessible for members Vision Care and Eyewear – Discounts on eyewear, contact lenses and laser vision correction surgery Dental Products – Discounts on Procter & Gamble oral care bundles Hearing Aids – Discounts on hearing aids for members, parents and grandparents Life Time ®´ Fitness – Enrollment fee will be waived for new members who join one of the Life Time Fitness clubs nationwide Weight Management – Discounts at Jenny Craig ®´ on membership and food And more Under the My Coverage tab Register online at blue365deals.com/BCBSTX/ 16

Save time with self-service support tools and health and wellness resources on a convenient and secure online site Check claims and claims history View, save or print Explanation of Benefits (EOBs) Sign up for electronic EOBs, and turn off paper View benefits and covered dependents Check coverage details Manage mobile and texting preferences Request new ID cards or print temporary ID cards Access health and wellness information and guides Get details on wellness, discounts … and more Blue Access for MEMBERS SM 17

My Claim Activity displays recent claims, or go to the Claims Center for all your claim details Form Finder easier to view and find specific forms for members Quick Links for easy access to Health Assessment, Fitness Program, Member Discounts, or to get an ID card Access Provider Finder ® to locate doctors, specialists, facilities, directions and Blue Distinction Centers ® Blue Access Homepage My Health tab links you to health and wellness content, articles, videos, and My Care Profile 18 My Coverage shows who’s covered on your plan, YTD spending for each family member, cost estimator, deductible discounts and ID card request. From My Coverage page, click on Incentives, then Visit Site to view completed activities so you can make sure that your Wellness Exam Incentive has been recorded.

User-friendly health assessment tool Personal Health Assessment designed to be completed in 10 to 15 minutes Choose your assessment topic, such as health and wellbeing or fitness and physical activity All topics must be completed to receive credit Health Assessment Powerful Health and Wellness Tool 19 bcbstx.com Complete all topics under the HA and receive a $50 deductible credit for members and dependents ages 18 and over Know Your Risks Manage Your Health Examines the member’s overall health and wellbeing and provides a personalized report showing areas where you can improve

20 Blue Access Mobile SM Overview Current Mobile Offerings Mobile Web (public) Blue Access for Members SM (secure) Text Messaging (static and dynamic) Provider Finder ® App (iPhone and Android) 20

Provider Finder ® puts you in charge Use Provider Finder to: o Find a network primary care physician, specialist or hospital o Search results by doctor, specialty, ZIP code, language and gender – even get directions from Google Maps™ o Estimate the cost of a provider’s procedures, treatments and tests o Determine if a Blue Distinction Center for Specialty Care ® is an option for treatment o View patient feedback or add your review for a provider o View quality, certifications and recognitions for doctors bcbstx.com 21

What if I Have Questions 22 Toll-free Customer Service Personalized Service 8 am – 8 pm Our Philosophy – “Take the Member Out of the Middle” Call your dedicated customer service team for: ‒ Benefit information ‒ Network provider information ‒ Membership and eligibility ‒ Inquiries (telephone and ) ‒ ID card requests ‒ Claims inquiries ‒ Help with online tools

Your ID Card Need Assistance? Call the Customer Service number on the back of the ID card to: Ask about benefits and claims Talk to a Benefits Value Advisor (BVA) to locate facilities for MRIs, CTs, maternity services, hip/knee/spine surgeries, and more 23