Administered by United Healthcare Introduction ACEC The American

Administered by United. Healthcare

Introduction ACEC The American Council of Engineering Companies • • • The Oldest & Largest of America’s engineering Associations Over 5, 100 member firms ranging from individuals to large corporations Over 500, 000 Employees combined AThe C ACEC EC Life/Health Trust United. Healthcare & the ACEC Life/Health Trust • • • The ACEC Life/Health Trust was formed in 1965 to provide aggregate life & health benefit plans to ACEC members Currently there is approximately 1800 employer groups with over 75, 000 members combined. Member firms range from 1600 employees (average groups size is 28) • UHC began administering the Trust in August of 2007 • UHC offers Medical, Dental, Vision, Life & Disability insurance to participants • Member firms receive a certificate of coverage

ACEC Life/Health Trust Competitive Advantage Small employers with common interests may band together to form association health plan. ACEC Life/Health Trust qualifies as an association health plan as a result of our structure, governance, and common interests Treated as one large employer for purposes of rating rules. Therefore, not subject to rating restrictions. The Trust’s unique structure allows engineers to have a voice in how their benefits are administered. Through the Trust, members receive both product and price flexibility to fit their needs.

Benefits of the ACEC Life/Health Trust to Member Firms Preferred Price Advantage Product Flexibility Dream Team Compass: Professional Health Services Designed Wellness

ACEC Preferred Pricing 2 -50 Employees New Business Medical Discounts Ancillary Discounts 2 -50 Eligible Employees: • • • The ACEC Life/Health Trust is seen as a single large employer; therefore, rates all firms as though they are a 100+ size group 36 different plan design options Can choose up to 2 different plans Dental: 10% Discount off UHC Dental Rates Vision: 5% Discount off UHC Vision Rates Life: 30% Discount off UHC Life Rates Disability: 25% Discount off LTD & STD Rates Employer Sponsored Dental: 1% Discount off final UHC Medical Rates Employer Sponsored Vision: 1% Discount off final UHC Medical Rates Employer Sponsored Dental & Vision: 2% Discount off final UHC Medical Rates *ACEC Groups are not eligible for package savings Firms that are Currently with United. Healthcare We can move current UHC business to the ACEC Life/Health Trust at their UHC renewal period. *You can request ACEC rates from your insurance broker

ACEC Preferred Pricing 51+ Employees New Business Medical Discounts Ancillary Discounts 51 -99 Eligible Employees: • 12% medical discount other states (17% in KY & 20% in CA) 100+ Eligible Employees: 5% medical discount ACEC Plan Designs: • 150 ACEC Plan Options • Group can choose up to 5 plan designs (50% financial spread) • All Discounting is applied to the ACEC Plans Dental: 10% Discount off UHC Dental Rates Vision: 5% Discount off UHC Vision Rates Life: 30% Discount off UHC Life Rates Disability: 25% Discount off LTD & STD Rates Employer Sponsored Dental: 1% Discount off final UHC Medical Rates Employer Sponsored Vision: 1% Discount off final UHC Medical Rates Employer Sponsored Dental & Vision: 2% Discount off final UHC Medical Rates *ACEC Groups are not eligible for package savings Firms that are Currently with United. Healthcare We can move current UHC business to the ACEC Life/Health Trust at their UHC renewal period. *You can request ACEC rates from your insurance broker

Meet your ACEC Dream Team 2 - 50 Eligible Employees 51+ Eligible Employees Renewal Account Executives Laura Wiegert Tiffany Rocha-Landkammer Strategic Account Executives Deb Goodman Scott Bolens Account Manager Claims/Eligibility Questions James Parmeter Account Managers Tracy Valentine Jon Babler Billing Advocate Heather Jacobsen Your dedicated account management team is U. S. -based, with 20+ years of combined engineering industry/ health care coverage experience. When you choose the ACEC Life/Health Trust insured by United. Healthcare, you’re aligned with experts who provide solutions that may lead to healthier employees and lower health care coverage costs.

ACEC Life/Health Trust is proud to announce our partnership with Compass Professional Health Services. The Compass program is now available to Trust members and their families. We believe that this program will provide significant value to our members by empowering them to get the healthcare they deserve for a fair price.

What is Compass? Compass is a patient-advocacy firm that lowers benefit costs with tools and support for healthcare consumers. What is Compass’ Value? Compass lowers healthcare costs by up to 10% How does Compass Lower Costs? Compass lets employers take advantage of the lower prices within their existing network. In-Network prices vary by 300% locally – that means the same CT Scan costs $500 or $1500 depending on where you go. What makes Compass Unique? Compass has created a proprietary price-transparency software tool based on tens of millions of medical claims. Compass Health Pro patient-advocates then use that tool to give employees cost and quality comparisons for medical services. Compass Health Pros continue to support employees with appointment scheduling, bill review and other concierge services.

MISSION: Provide member firms with a wellness program that was designed by engineers for engineers. THE WELLNESS PROGRAM WILL: • Address the unique needs of our members • Achieve outstanding health outcomes • Distinguish the Consulting Engineer Industry as the healthiest in the United States

What is designed wellness? A Comprehensive wellness program created to improve health, wellness and well-being of our member population. Designed wellness utilizes a secure, HIPAA compliant web portal and offers the following features to participants: Personal Health Assessment, Biometric Screening, Lifestyle Coaching (Telephonic and E-Coaching Classes). Health Trackers, Challenges and Competitions, Educational materials and more! Who can Participate? Any firm that is currently insured by one of the ACEC Life/Health Trust medical plans is eligible to participate in the program. ALL of your firm’s employees and spouses can participate and use all of the program and web portal features including employees & spouses not covered by ACEC Life/Health Trust medical insurance plan. What will it cost my firm? There are no out of pocket costs to participating firms or their employees and spouses. The Trust pays all participation costs (including biometric screenings) and also funds incentive plans for employees and spouses covered by the Trust medical plan. There are three annual incentive plan options to choose from: $50, $100, and $150. Each plan differs in the number of activities that are required to earn the incentive. How can my firm benefit from Designed Wellness? Designed Wellness provides you with a unique opportunity to access a high-quality wellness program that is usually only available to organizations with several hundred employees. Wellness programs are a great added value to any benefits package and can provide you with any or all of these outcomes: improvements in productivity and attendance, improved employee morale, lower turnover rate, improved health status of employees, and reductions in health care costs. To start Designed Wellness within your firm, please confirm your participation with Lindsay Naso, the Trust Wellness Coordinator, at (708) 257 -8332 or by email, Lindsay@aceclifehealthtrust. com

ACEC Renewals • The ACEC Life/Health Trustees manage the member groups to a higher BCR rate than the normal United. Healthcare book of business. Therefore, ACEC Trustees (volunteer engineers) participate in the setting of the renewal rates. • The Renewal Rates are calculated based on standard United. Healthcare underwriting practices based on the market segment. • The Renewal rates for ACEC groups are calculated across the entire book of ACEC Life/Health Trust business. The renewal rates are then distributed to the individual group in accordance with the experience of the group and to remain consistent with how they fare outside of the Trust. From 2007 -2013 the ACEC Life/Health Trust has had greater than 93% Retention

Please feel free to reach out with any questions: • Kaley Krause - Kaley_Krause@uhc. com 952 -912 -6784 States assigned to Kaley: AL, CT, DC, DE, FL, GA, IL, IN, KY, LA, MD, ME, MI, MS, NC, NH, NY, OH, PA, RI, SC, TX, VA, VT, WI, WV • John Krebsbach – John_Krebsbach@uhc. com 952 -912 -6785 States assigned to John: AK, AR, AZ, CA, CO, HI, IA, ID, KS, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TN, UT, WA, WY