1. Open Enrollment for 2013 Benefits AACPSAACPSAACPSAACPS Introduction to the BlueChoice HMO Plan CareFirst BlueCross BlueShield is an independent licensee of the Blue Cross and Blue Shield Association. ® Registered trademark of the Blue Cross and Blue Shield Association. ® Registered trademark of CareFirst, Inc.

2. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice HMO Plan Benefit NetworkBlueChoice PCP RequiredYes Referrals Required Yes Copays$5 PCP $10 Specialist Independent LabLabCorp – No charge Preventive Services No copay Highlights Benefit Urgent Care Center $10 copay Emergency Room $50 copay; waived if admitted Inpatient Hospitalization No charge Occupational, Physical, Speech Therapy Combined 30 visits per condition/per yr

3. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice HMO Primary Care Physician At time of enrollment, you select a Primary Care Physician (PCP). Your PCP will be listed on your ID card. The PCP can be changed at any time, simply contact Member Services (800-628-8549). Dependents may select their own PCP. Each member will have their own personalized ID card with PCP information

4. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice HMO Access to care through your Primary Care Physician or Specialist with referral You pay a $5 PCP or $10 Specialist co-pay No Deductible No coinsurance No need to file claim forms Independent Lab - Lab Corp

5. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice HMO Over 32,000 Providers in the MD, DC, Northern VA area Full 3 Year NCQA Accreditation BlueChoice Customer Service - 800-628-8549 Medical / Vision will be on the same ID Card. Dental will be on a separate ID Card. Visit our website at carefirst.com to find a doctor, PCP or Specialist. You can also find information about our Options discount program, in addition to other services and resources CareFirst offers.

6. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits Away From Home Care Members who live in another part of the country for at least 90 consecutive days may be eligible forAway From Home Care. Contact Member Services to enroll (telephone number is on the back of your ID card) and ask for the Away From Home Care Coordinator. Once enrolled, you have access to routine and urgent care through an affiliated BCBS HMO. Great program for out-of-state college students.

7. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice HMO Questions & Answers

8. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits

9. AACPSAACPSAACPSAACPS The Benefits of Changing to the Triple Option Plan CareFirst BlueCross BlueShield is an independent licensee of the Blue Cross and Blue Shield Association. ® Registered trademark of the Blue Cross and Blue Shield Association. ® Registered trademark of CareFirst, Inc.

10. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Plan 3 Health Care Plans in 1 Triple Option Plan Annual Deductible Individual Family Level 1 Level 2 Level 3 N/A $200 $300 N/A $400 $600 Out-of-Pocket Individual Family N/A $500 $1,000 N/A $1,000 $2,000 Lifetime MaximumUnlimited Unlimited Unlimited Co-pays Primary Specialist $10 $15 N/A Coinsurance 100% 90% 80%

11. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Plan 3 Health Care Plans in 1 Primary Care Physician At time of enrollment, you select a Primary Care Physician (PCP). Your PCP will be listed on your ID card. The PCP can be changed at any time, simply contact Member Services (800-628-8549). Dependents may select their own PCP. Each member will have their own personalized ID card with PCP information

12. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Plan 3 Health Care Plans in 1 Level 1 (BlueChoice HMO) Access to care through your Primary Care Physician or Specialist with referral You pay a $10 PCP or Specialist co-pay No Deductible No coinsurance No need to file claim forms Independent Lab - Lab Corp

13. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Plan 3 Health Care Plans in 1 Level 2 (PPO Providers, Local and National) Access to care through a PPO Provider – no referral required You pay a $15 co-pay for office visits After you meet $200 individual deductible, services are covered at 90% AB up to the $500 maximum out-of- pocket. No need to file claim forms

14. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Plan 3 Health Care Plans in 1 Level 3 (Participating and Non-Participating Providers) Direct access to care through participating or non- participating providers After you meet your annual $300 individual deductible, services are covered at 80% of the allowed benefit up to the $1,000 maximum out-of-pocket. Participating Providers may not balance bill, however, Non-Participating Providers may balance bill the difference between the allowed benefit and total charge

15. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits Away From Home Care Members who live in another part of the country for at least 90 consecutive days may be eligible forAway From Home Care Contact Member Services to enroll (telephone number is on the back of your ID card) and ask for the Away From Home Care Coordinator. Once enrolled, you have access to routine and urgent care through an affiliated BCBS HMO. Great program for out-of-state college students

16. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Helpful Reminders Select PCP at time of enrollment. You may change your PCP at any time during the year. When accessing Level 1 Benefits, remember to get a referral for specialty care from your PCP. Level 2 does not require a referral. Remember to use Lab Corp for Level 1 Benefits. Quest Diagnostic will be processed under Level 2. Medical / Vision will be on the same ID Card. Dental will be on a separate ID Card.

17. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Helpful Reminders Visit our website at carefirst.com to find a doctor, PCP or Specialist. You can also find information about our Options discount program, in addition to other services and resources CareFirst offers.

18. AACPSAACPSAACPSAACPS Open Enrollment for 2013 Benefits BlueChoice Triple Option Questions & Answers