1. 2015 Medicare Advantage Prescription Drug Plan H2758_SalesPresentation_2015 Approved

2. Presentation Topics  About BeHealthy America  Medicare Eligibility Requirements  A Look at the Four Parts of Medicare (A, B, C and D)  Who is Eligible for BeHealthy America’s Plan?  Enrollment Overview

3. Presentation Topics  How to Enroll on BeHealthy America  How to contact BeHealthy America  What happens after an Enrollment Application is completed?  Member Rights and Safeguards  Important Disclaimer Information  Providers and BeHealthy America’s 2015 HMO Plan.  Q and A

4. Who is BeHealthy America?  A Medicare Advantage Prescription Drug (MAPD) Plan  Founded by local healthcare and medical professionals  Serves members in Sarasota and Manatee counties  Personalized local service  Located in Sarasota, Florida

5. Who is Eligible for Medicare? There are 3 ways to obtain Medicare:  Turning age 65  Social Security Disability for 24 consecutive months (eligibility begins on the 25 th month)  Diagnosed with End Stage Renal Disease (ESRD)

6. A Look at the Four Parts of Medicare Medicare Part A  Inpatient Hospital  Home Health Care  Skilled Nursing  Hospice Care  Nursing Rehabilitation Care  No monthly premium for most individuals  Deductibles and Cost-Sharing Apply

7. A Look at the Four Parts of Medicare Medicare Part B  Physician, Diagnostic, Preventive and Outpatient Services  Medical Equipment  Some Drugs  Deductibles and Cost-Sharing Apply  Monthly premium applies, based on income level

8. A Look at the Four Parts of Medicare Medicare Part C – Medicare Advantage Plans (MA)  Offered through private insurance companies  Includes benefits and services covered under Parts A & B  Additional Benefits that you don’t get with Original Medicare  HMO, PPO, PFFS or Cost Plans  Often includes Prescription Drug coverage (MAPD)

9. A Look at the Four Parts of Medicare Medicare Part D – Medicare Prescription Drug Coverage  Can be offered as a stand-alone plan that goes with original Medicare  Stand Alone Prescription Drug Plans (PDP),may have an additional monthly premium  A Medicare Advantage (MA) plan can offer medical and prescription benefits together as an Medicare Advantage Prescription Drug (MAPD) plan  Part D includes the mandatory use of a drug formulary

10. Who is Eligible to Join BeHealthy America’s MAPD Plan?  Medicare beneficiaries residing in our service areas  Manatee County  Sarasota County  Must be enrolled in Medicare Parts A and B  Medicare beneficiaries with End Stage Renal Disease (ESRD) are not eligible to join

11. Important Eligibility Enrollment Dates When to enroll and/or make a plan change for: Initial Enrollment Period (IEP) A seven month period when you are first eligible for a Medicare Part A and/or B

12. Important Eligibility Enrollment Dates When to enroll and/or make a plan change for: Annual Enrollment Period (AEP) October 15 th through December 7 th of each year For January 1 st effective dates

13. Important Eligibility Enrollment Dates When to enroll and/or make a plan change for: Medicare Advantage Disenrollment Period (MADP) January 1 st through February 14 th each year

14. Important Eligibility Enrollment Dates When to enroll and/or make a plan change for: Lock-In February 15 th through December 31 st each year

15. Important Eligibility Enrollment Dates When to enroll and/or make a plan change for: Special Enrollment Period (SEP) Low Income Subsidy (LIS) eligibility During specific life events

16. How Do I Enroll? BeHealthy America makes it easy to enroll: 1. Enroll after our presentation 2. Schedule an appointment 3. Enroll by telephone at [855-522-2985] 4. Enroll online through the CMS Online Enrollment Center at www.medicare.gov

17. How Do I Contact BeHealthy America? Call Us  Customer Service  Toll-free telephone [855-522-2870] or TDD/TYY [855-522-2973]  We are open: October 1 to February 14: Monday through Sunday, 8:00 am – 8:00 pm February 15 to September 30: Monday through Friday, 8:00 am – 8:00 pm Visit Our Office  We are conveniently located in Lakewood Ranch at: 6948 Professional Parkway East Sarasota, FL 34240

18. What Happens After an Enrollment Application is Completed? 1. Completed enrollment applications are sent to BeHealthy for review 2. The Centers for Medicaid and Medicare Services (CMS) must approve all enrollment applications 3. Outbound Enrollment Verification call or letter 4. Confirmation Letter

19.  New Member Enrollment Package  The BeHealthy America Identification Card  The Evidence of Coverage (EOC)  Provider and Pharmacy Directory  Drug Formulary  Additional Information What Happens After an Enrollment Application is Completed?

20. Member Rights and Safeguards  You always have the right to appeal any denial of coverage or payment for any benefits or services you believe should be covered  You can file a grievance if you are not satisfied with our benefits or services Please refer to BeHealthy America’s Evidence of Coverage or you can contact our Customer Service team for more detailed information

21. Disclaimers  BeHealthy America, Inc. is an HMO plan with a Medicare contract. Enrollment in BeHealthy America, Inc. depends on contract renewal.  The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan.  Limitations, co-payment, and restrictions may apply.  Benefits, formulary, pharmacy network, premium and/or co-payments/coinsurance may change on January 1 of each year.  You must continue to pay your Medicare Part B premium.

22. Disclaimers  This information is available for free in other languages. Please contact the customer service number at 855-522- 2780 or TDD/TTY relay 855-522-2973 Monday – Friday from 8:00 AM to 8:00 PM. From October 1 – February 14, we’re available seven days a week from 8:00 AM to 8:00 PM.  Other Pharmacies, Physicians and Providers are available in our network. Medicare beneficiaries may also enroll in BeHealthy America through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov.

23. Contracted Hospitals  Blake Medical Center  Doctors Hospital of Sarasota  Englewood Community Hospital  Lakewood Ranch Medical Center  Manatee Memorial Hospital

24. Contracted Providers  MAXhealth  21 st Century Oncology  Sarasota Arthritis Center  Sarasota Vascular Specialists  Gulf Coast Medical Group  Kennedy-White Orthopedic Group  The Eye Associates  West FL Physician Network  Manatee Cardiology  Manatee Cardiologists  HCA – Healthcare America  HCA – Pinnacle Medical Group  Coastal Orthopedics and Sports Medicine of SW FL  North River Family Center  Cortez Foot & Ankle Specialists BeHealthy America has contracts with the following medical provider groups in Sarasota and Manatee counties: And many more quality medical providers

25. Why Choose BeHealthy America’s Medicare Advantage Part D (MAPD) Plan?  [$0] Monthly Plan Premium  [$0] Copay for Primary Care Office Visits  [$0] Copay for Tier One Generic Medications  Prescription Drug Coverage in Gap  Dental, Vision and Hearing Services  Health Club Membership  Transportation Service

26. Why Choose BeHealthy America’s Medicare Advantage Part D (MAPD) Plan?  Over the Counter (OTC) Allowance  24/7 Nurse Hotline  Smoking Cessation Assistance  Preventive Services and Screenings  Over 500 Doctors from which to Choose  Friendly Local Service

27. BeHealthy America’s 2015 Benefit Overview BenefitMember Responsibility Monthly Plan Premium[$0] Annual Deductible[$0] Maximum Out of Pocket (MOOP)[$4,500] PCP Visit[$0] Specialist Visit[$35] Annual Wellness Exam[$0 copay] Preventive Screenings and Immunizations[$0 copay] Silver and Fit Gym Membership[100% covered by the plan]

28. BeHealthy America’s 2015 Benefit Overview BenefitMember Responsibility Hospital Inpatient[ $125/day (Days 1-7); $0/day (days 8-90) ] Ambulance[$150 copay] Urgent Care[$35 Copay] Emergency Room[ $65 copay ] Durable Medical Equipment[20% coinsurance] Diabetic Supplies [$0/monitoring supplies; $10 Copay/Orth Shoes or Inserts] Diagnostic X-Rays and Routine Lab[$0 Copay]

29. BeHealthy America’s 2015 Benefit Overview Additional Benefits Podiatry ServicesDental Chiropractic ServicesVision Hearing24 hour Nurse Hotline Over the Counter (OTC) AllowanceTransportation Smoking CessationLocal Customer Service

30. BeHealthy America’s 2015 Prescription Drug Benefit Overview BenefitMember Responsibility Tier 1 Drugs - Preferred Generics[$0 Copay] Tier 2 Drugs - Non-Preferred Generics[$7 Copay] Tier 3 - Preferred Brand[$25 Copay] Tier 4 - Non-Preferred Brand[$55 Copay] Tier 5 - Specialty Drugs[33% Coinsurance] Part B Drugs and Home Infusion Drugs [20% (Part B Drugs) / $0 Copay (Home Infusion Drugs)]

31.  BeHealthy America Drug Formulary. This formulary will be distributed and can also be found at www.BeHealthyus.com.  Tier 1 generic prescriptions are covered 100%  Different out-of-pocket costs may apply for members who:  Have limited income  Live in long term care facilities  Access to Indian/Tribal/Urban (Indian Health Services) providers  Some medications may have quantity limits or they may need authorization from a medical provider  BeHealthy offers national in-network prescription coverage BeHealthy America’s 2015 Prescription Drug Benefit Overview

32. Stage 1 Yearly Deductible Stage Stage 2 Initial Coverage Stage Not ApplicableMembers stay in this stage their year- to-date “total drug costs” reach [$2,960].

33. BeHealthy America’s 2015 Prescription Drug Benefit Overview Stage 3 Coverage Gap Stage Stage 4 Catastrophic Coverage Stage Members pay either: a [$0] copay OR [65%] for covered generic drugs OR [45%] of covered brand drugs. Members stay in this stage until their year-to-date costs reach [$4,700]. Members pay the greater of: [5%] of the cost of the drug, OR a [$2.65] copay for generic (including brand drugs treated as generic) a [$6.60] copay for all other drugs.

34. Understanding Drug Formulary Terms  Formulary Exception: Members can ask the plan to make an exception to the coverage rules  Transition Process: A newly eligible member, switching plans or having a change in level of health care, can receive a one-time 30-day supply of their current medication(s). Members in a long-term care will receive a 31-day supply  Cost Tiers: Each drug is categorized by Tier. These Tiers determine how much members will pay for that drug

35.  Restrictions: Some drugs have Prior Authorization, Quantity Limits and/or Step Therapy requirements  Network: Extensive network of participating pharmacies and well as mail order options for long term medications Understanding Drug Formulary Terms

36. Part D Late Enrollment Penalty  What is it?  Are there exceptions?  Yes, if you have creditable drug coverage or you qualify for Extra Help, you will not pay a penalty

37. Help With Medicare Costs  Beneficiaries may qualify for extra help to pay prescription drug premiums and costs  Beneficiaries can call Medicare to see if they qualify for extra help: 1-800-MEDICARE (1-800-633-4227) or TDD/TTY relay users should call 1-877-486-2048, 24 hours a day/7 days a week

38. Help With Medicare Costs Beneficiaries can also check with the following resources to see if they may quality for “extra help”  Contact the Social Security Office at 1-800-722-1213 between 7 AM and 7 PM, Monday through Friday  TDD/TTY Relay users should call 1-800-325-0778  Or call the Florida Medicaid Office at 1-866-762-2237

39. Review of BeHealthy America’s Summary of Benefits

40. Q & A Session

41. Thank you for considering BeHealthy America for your Medicare Advantage Prescription Drug (MAPD) plan option!