Anthems Lumenos HRA Plan A health plan that

Anthem’s Lumenos HRA Plan A health plan that is part of the solution

How Does the Lumenos HRA Plan Work?

Anthem’s Lumenos HRA Plan • Stay healthy with Preventive Care coverage • Your employer makes an annual allocation to your account • Use your account dollars to pay for medical care and prescription drugs • Once you spend all of the funds from your HRA, you pay an out-of-pocket amount to satisfy your annual deductible • Unused funds rollover year to help offset future out-of-pocket costs • Traditional Health Coverage then covers additional expenses (using the open access POS network) • An annual out-of-pocket maximum protects you from large medical expenses Preventive Care 100% In-Network> HRA Funded by annual employer allocation + + Out-of-Pocket = Annual Deductible Traditional Health Coverage 3

Your HRA Plan Details At-a-Glance Lumenos HRA Plan Preventive HRA Traditional Health Coverage Nationally recommended services Single Coverage Singe + 1 Coverage Family Coverage No cost deduction from HRA Employer's annual allocation $500 $750 $1, 000 Out-of-pocket amount to satisfy remaining annual deductible $500 $750 $1, 000 Your OOP amount will vary depending on whether you have rollover funds available Then, you pay for coinsurance for covered services 20% for In-Network Services 40% for Non-Network Services Plan pays 100% after annual out-of-pocket maximum In-network: $2, 500 In-network: $3, 500 In-network: $5, 000 (consists of annual deductible and coinsurance amounts) Non. Network: $3, 000 Non-Network: $4, 500 Non-Network: $7, 000 *OOP amount = annual deductible minus employer annual HRA allocation 4

Using the HRA Plan

Meet Carol Lewis | Single Coverage Preventive Care 100% HRA Year 1 Carol Lewis’ Lumenos HRA Plan $500 allocation from employer OB/GYN visit & lab tests - $350 $500 + $500 Out-of-Pocket $500 = Paid by Preventive Care benefit at 100% $350 Annual Deductible $1, 000 Paid from HRA $150 HRA Rollover to Year 2 $350 Expenses: Prescription drugs - $150 Traditional Health Coverage 80% In-Network Providers 60% Non-Network Providers 6

Meet Carol Lewis | Single Coverage Preventive Care 100% HRA Year 2 $500 Carol Lewis’ Lumenos HRA Plan HRA Balance: $350 rollover from Year 1 plus $500 Year 2 allocation + $850 $500 OB/GYN visit & lab tests - $150 Expenses: Physician visits - $100 Out-of-Pocket $450 = Annual Deductible $1, 000 Prescription drugs - $200 Paid by Preventive Care benefit at 100% $150 Paid from HRA $300 HRA Rollover to Year 3 $550 Traditional Health Coverage 80% In-Network Providers 60% Non-Network Providers 7

Meet the Wilsons | Family Coverage Preventive Care 100% In-Network Year 1 The Wilsons’ Lumenos HRA Plan $1, 000 allocation from employer $1, 000 HRA $1, 000 + Out-of-Pocket Expenses: Preventive visits & lab tests - $500 $1, 350 $1, 000 = Physical therapy - $600 Prescription drugs - $250 Paid by Preventive Care benefit at 100% $500 Paid from HRA $850 HRA Rollover to Year 2 $150 Annual Deductible $2, 000 Traditional Health Coverage 80% In-Network Providers 60% Non-Network Providers 8

Meet the Wilsons | Family Coverage Year 2 The Wilsons’ Lumenos HRA Plan HRA Balance: $1, 000 Year 2 allocation plus $150 rollover from Year 1 Expenses: Preventive Care Preventive visits & lab tests - $300 Hospital and surgery - $14, 300 Prescription drugs - $450 Paid by Preventive Care benefit at 100% Paid from Year 2 HRA allocation Year 1 Rollover help pay out-of-pocket to meet annual deductible 100% In-Network $1, 150 $1, 000 $15, 050 Wilsons pay coinsurance under Traditional Health Coverage (20% x $14, 750 = $2, 950) Total amount HRA and Plan pay Total amount Wilson’s pay HRA Rollover to Year 3 + Out-of-Pocket $300 $1, 000 $150 Charges paid by Traditional Health Coverage (80% x $14, 750 = $10, 800) HRA $10, 800 $1, 000 = Annual Deductible $2, 000 $2, 950 $12, 250 $2, 950 $0 Traditional Health Coverage 80% In-Network Providers 60% Non-Network Providers 9

HRA Consumer Experience Physician Service 2) Doctor submits claim to Anthem 1) Consumer visits doctor 4) Anthem debits consumer’s HRA and applies amount to network deductible, then pays doctor for the services 3) Anthem determines consumer’s benefits and HRA funds available 5) Consumer pays nothing out of pocket. Anthem sends consumer Claims Recap record of benefit applied and account funds used 10

HRA Consumer Experience Pharmacy Service with Medco as PBM 2) Pharmacy connects to Medco -- Medco “pings” Anthem to determine consumer’s benefit and funds available 1) Consumer visits Pharmacy to fill a prescription 5) Pharmacy provides consumer with prescription. Consumer pays nothing out of pocket 3) Anthem determines consumer’s benefits “real -time” and passes back to Medco the amount the consumer is responsible for paying 4) Anthem debits consumer’s HRA and pays Pharmacy for the prescription 11

360 Health Programs 360°Health is our approach to surrounding you with the resources, tools, guidance and support to help you manage your health • • • My. Health Coach Future Moms Healthy Lifestyles Condition. Care Programs Complex. Care 24/7 Nurse. Line 12

Anthem’s Lumenos HRA Plan Questions? ? ?