2016 BCBSGa Open Enrollment

Agenda What’s new in 2016? BCBSGa Plan Options and Benefits Personal Health Programs Online Tools Questions

What’s new in 2016?

LiveHealth Online HMO Plan: Subject to $35 co-pay HRA Plan: In-network co-insurance applies; member does not have to meet the deductible first What is LiveHealth Online? LiveHealth Online is BCBSGa’s telemedicine offering. This allows members to have a virtual visit with an in-network doctor, providing an alternative method to access quality care. When your own doctor isn’t available or you are short on time, LiveHealth Online can help. LiveHealth Online gives you access to quality medical care 24/7 with no appointments or long wait times With LiveHealth Online you get: Immediate access to in-network, board-certified doctors 24/7 Secure and private two-way video chats with doctors Prescriptions sent directly to your pharmacy, if needed* When to use LiveHealth Online? As always, you should call 911 with any emergency Use LiveHealth Online for common health concerns such as colds, the flu, fevers, rashes, infections, allergies, and family health questions *In certain states, prescriptions cannot be issued as a result of an online interaction with a doctor. For state telehealth availability, check the map on livehealthonline.com.

Roll Over Credits In 2015, members were only allowed to roll over their unused well-being incentive credits between the three BCBSGa HRA plans Beginning in 2016, members can roll over unused well-being incentive credits if they decide to move from plan to plan, regardless of plan type (HRA or HMO) or insurance carrier Example #1: Member moves from the BCBSGa Bronze HRA plan in 2015 to a BCBSGa HMO plan in 2016 Example #2: Member moves from the UnitedHealthcare HMO in 2015 to a BCBSGa HMO plan in 2016 BCBSGa Kaiser Permanente UnitedHealthcare $

BCBSGa Plan Options & Benefits

Active and Early Retirees BCBSGa HRA Plans HRA = Health Reimbursement Arrangement No co-pays Benefits are subject to deductible/co-insurance Our BCBSGa HRA plans offer members true consumerism Active and Early Retirees Gold HRA Silver HRA Bronze HRA Provider Network: SHBP network (Open Access POS) Outside of GA use BlueCard National PPO network No referrals required for specialists Out-of-network benefits available

How the HRA plans work Health Reimbursement Arrangement (HRA) Account Annual Deductible Out-of-Pocket Once your HRA well-being incentive credits are exhausted, you are responsible for meeting an annual deductible before the plan begins to pay a percentage of your covered expenses, called co-insurance. After you meet your annual deductible, you pay a percentage of the cost of your covered expenses, called co-insurance. SHBP contributes base HRA well-being incentive credits to your Health Reimbursement Arrangement (HRA) account. If you still have well-being incentive credits in your HRA account after you've met your annual deductible, you can use them to pay your share of co-insurance. These well-being incentive credits are used to help pay for your covered major medical expenses, such as inpatient or outpatient procedures. You can use the well-being incentive credits in your HRA account to help meet your deductible. Once you reach your annual out-of-pocket maximum, the plan pays 100 percent of any of your remaining in-network covered expenses for the rest of the plan year. .

Active and Early Retirees BCBSGa HMO Plan HMO = Health Maintenance Organization Care is guided by your doctor, but unlike most HMOs, you don’t need referrals to see a specialist. Budget friendly Active and Early Retirees BCBSGa Statewide HMO Provider Network: SHBP network (Open Access POS) Outside of GA use BlueCard National PPO network No referrals required for specialists No out-of-network benefits available

Benefits at a Glance

Personal Health Programs

Online Tools

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