It s Your Health Plan. Make the Most of It.

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It’S Your health Plan.

Make the MoSt oF It.

3M Medical Plan Options

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What’s neW for 2013

More plans. More choices.

3M Advantage Plans. This year, 3M active employees have two high-deductible health plan options that have very affordable premiums and are paired with a Health Savings Account (HSA). The two plans will be the Prime Advantage plan (formerly the 3M Consumer-Directed Plan) and the Choice Advantage plan, which is new for 2013. To help you understand how the 3M Advantage Plans work, 3M and Blue Cross have created a new online resource with videos, plan comparisons and graphical explanations. To learn more about the 3M Advantage Plans, visit bluecrossmn.com/3M and see “Advantage Plans site.”

• Two levels of coverage for HSA plans. In 2013, members who choose one of the HSA medical plans will receive a higher level of benefits when seeing a BlueCard PPO in-network provider. To pay the least out of pocket for medical care, check a provider’s network status to ensure they are in the BlueCard PPO network.

• New HSA account administrator. For 2013, PayFlex will be the new administrator for the Health Savings Account (HSA). To learn more, go to 3M.healthhub.com or call a customer service representative at

(866) 363-5391 (toll free). Representatives are available from 7 a.m. to 7 p.m. CT. Monday - Friday. New ID cards. All 3M members will receive a new member ID card prior to January 1. Please destroy your old ID cards and present the new ID card when receiving care. You are also able to access your ID card online when you sign in at bluecrossmn.com/3M. You have the ability to print, e-mail or fax your member ID card. One network for all 3M plans. All of 3M’s medical plans now use the BlueCard PPO network in 2013, providing access to a comprehensive network of doctors and hospitals in the U.S. and worldwide.

Personal health care shopper

Blue Cross and Blue Shield of Minnesota is making it easier than ever to be a savvy health care consumer. Our enhanced “Find a doctor” web tool helps you easily and quickly get cost and quality information on 96 percent of hospitals and 92 percent of doctors nationwide.

The “Find a doctor” web tool allows you to: • Locate a nearby

doctor, hospital or urgent care center in your network, and get directions and a map

• See estimated costs of more than 150 common procedures • Read patient reviews and post your own experience

with a doctor

• Search doctors by gender, language, specialty and care system

• Search and compare doctors or hospitals based on cost and quality

The tool can be accessed from your computer or “on the go” via your smartphone or tablet by signing in at bluecrossmn.com/3M.

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WELCOME TO BLUE CROSS

Nothing is more important to us than the health and well-being of you and your family. We’re committed to helping you be your healthiest and getting the most from your health plan. When you understand your plan and what comes with it, you’re better able to manage your health and your health care. We’ve made it easy with great benefits, proven support and services and online resources that give you the information you need to be healthy and make smart health care decisions.

Privacy, rights and responsibilities

For information about our privacy procedures or to obtain a copy of your rights and responsibilities, visit

bluecrossmn.com/3M. You may also request a copy

from 3M member services by calling the number on the back of your member ID card.

HOW YOUR PLAN WORKS

You can go to any doctor, specialist or hospital that is in your network for care — without a referral. That’s because these plans are ―open-access‖ BlueCard®_PPO

plans. Open access means you can see any provider you choose. Coverage levels vary depending on the provider’s BlueCard PPO network status and the type of service received.

Each plan pays the highest level of benefits when you see a provider within the BlueCard PPO network.

BlueCard PPO providers agree to accept the plan’s payment in full — called the ―allowed amount‖ (after coinsurance and charges not covered). Your share is any coinsurance or deductible.

By seeing a BlueCard PPO provider, you’ll receive the highest level of benefits and pay the least amount. When you see a health care provider that does not participate in the BlueCard PPO network, you’ll pay more of the cost of your care. When you see a BlueCard PPO provider for eligible preventive care services, the plan pays 100 percent of the allowed amount. BlueCard PPO providers also file claims for you.

No referrals

You don’t need a referral to see a specialist. As long as the health care provider is part of your network, you’ll get all the advantages of in-network benefits.

How we work

with your doctor

We work with your doctor to make sure you get the care that’s best for you. It’s our job to see that the services you receive are effective, appropriate and efficient. Here are examples:

• Review services to make sure you’re getting the right level of care

• Authorize selected services

• Plan and coordinate care for special medical needs through our Dedicated Nurses, and much more.

PREVENTIVE CARE

Get healthy, stay healthy.

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M and Blue Cross are committed to your good health for the long term. Numerous tests and procedures are recommended preventive care and may be covered by your health plan.

You can review the full listing of recommended preventive care for you and your family online. Visit

bluecrossmn.com/3M and see ―Advantage Plans

site.‖ Choose the ―Health Plan‖ section and you’ll find detailed preventive care information. Remember, you are covered at 100 percent for eligible preventive care when you use a Blue Card PPO provider .

Be sure to compare the exams and screenings your doctor recommends with what your plan covers under your preventive care benefits. Refer to your Summary Plan Description or call customer service for more information.

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WHERE CAN I GO FOR CARE?

National and international coverage

The national BlueCard PPO network gives you in-network access to more than 92 percent of the providers in the United States and with BlueCard Worldwide®_you

have in-network access to doctors and hospitals in more than 200 countries. So whether you are traveling or living in another Blue plan’s* service area, the BlueCard PPO network is there for you.

*Each local Blue Cross and/or Blue Shield plan is an independent licensee of the Blue Cross and Blue Shield Association.

FIND A PARTICIPATING PROVIDER

BlueCard PPO network in the

United States

• Sign in to bluecrossmn.com/3M and search

―Find a doctor.‖

• Or, call 3M member services toll free at

1-800-858-0722 Monday to Thursday 7 a.m. to 8 p.m. CT or Friday 9 a.m. to 8 p.m. CT.

• Outside of regular business hours call

1-800-810-BLUE (2583).

BlueCard Worldwide network

• Sign in at bluecrossmn.com/3M and search

―Find a doctor.‖ Select ―BlueCard Worldwide.‖ • Or call BlueCard toll free at 1-800-810-BLUE

(2583) or collect at (804) 673-1177. When you

call, tell the representative that you have ―BlueCard PPO network‖ coverage and what type of health care provider you need.

Behavioral health care

If you or someone covered by your plan needs behavioral health or chemical dependency care, you’ll get the highest level of benefits if you see BlueCard PPO health care professionals. To find a provider, Sign in to

bluecrossmn.com/3M and search ―Find a doctor‖ or

call 3M member services at (651) 662-5510 or toll free at 1-800-858-0722 during normal business hours. Outside of regular business hours call

1-800-810-BLUE (2583).

Chiropractic care

See any chiropractor in the BlueCard PPO network and your plan will pay the highest level of benefits for your care. Chiropractic care is limited annually to 25 visits for in- and out-of-network providers combined. To find a provider, sign in to bluecrossmn.com/3M and search

―Find a doctor‖ or call 3M member services at

(651) 662-5510 or toll free at 1-800-858-0722 during

normal business hours. Outside of regular business hours call 1-800-810-BLUE (2583).

Blue Distinction Centers for Specialty Care

®

Blue Cross, the Blue Cross and Blue Shield Association* and other Blue plans have identified nationwide high-quality providers of complex and rare cancers treatment, bariatric (obesity) surgery, cardiac care, spine surgery, knee and hip replacement and transplant services. Transplant centers are recommended by referral from a member’s doctor.

For more information about Blue Distinction Centers®

(BDC) program, visit bcbs.com/bluedistinction. However, be sure to use the ―Find a doctor‖ search to find a BDC hospital. When you do, you’ll see a BDC icon noting which facilities have received the BDC

designation. You can also call 3M member services at

(651) 662-5510 or toll free at 1-800-858-0722 during

normal business hours Outside of regular business hours call 1-800-810-BLUE (2583).

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Prime Advantage Plan

(formerly the 3M Consumer-Directed Plan)

This plan gives you open access to all providers; you pay less for care when you see providers who participate in Blue Cross’ extensive PPO network. If you see a provider who does not participate in the PPO network, you are responsible for paying higher annual deductible and coinsurance amounts, and you may be responsible for the difference between the actual charge and the allowed amount. There is an out-of-pocket maximum to protect you from unusually high health care expenses. This plan also allows you to contribute to a Health Savings Account (HSA) and 3M makes an annual contribution of up to $600 to an individual HSA or $1,200 to a family HSA. Other key features of the plan:

• 100% coverage of eligible in-network preventive care • Online tools to help you manage your care and your account • No referrals to see specialists • Blue Card PPO network providers file all claims for you • Worldwide coverage through the BlueCard network • HSA-eligible for additional tax savings advantages

In-Network

Out-of-Network*

Health Savings Account (can be used to help pay for out-of-pocket costs on qualified medical expenses)

Individual coverage: 3M contributes an annual amount up to $600 Family coverage: 3M contributes an annual amount up to $1,200 Annual deductible (non-embedded)

Does not include ineligible expenses, expenses in excess of the allowed amount, prescription or vision expenses. With the Prime Advantage plan’s family coverage, either one person or several family members together must meet the family deductible amount before any member’s care is covered at 90% of the allowed amount for in-network services. (This is a “non-embedded” deductible.)

$1,300 individual coverage $2,600 family coverage

In-network expenses do not apply to the out-of-network deductible

$2,600 individual coverage $5,200 family coverage Out-of-network expenses do not apply to the in-network deductible

Coinsurance 90% for most covered services after deductible

65% for most covered services after deductible

Annual out-of-pocket maximum

Includes the annual deductible and coinsurance. Does not allow ineligible charges, expenses in excess of the allowed amount, prescription drugs or vision expenses.

Separate maximums apply for in-network and out-of-in-network expenses

$5,200 individual coverage $10,400 family coverage Separate maximums apply for in-network and out-of-in-network expenses Lifetime benefit maximum Unlimited

Preventive care 100%, no deductible 65% after deductible Office visits 90% after deductible 65% after deductible Other provider services

chiropractic care (limited to 25 visits per year) speech, occupational and physical therapy home health care and hospice

90% after deductible 65% after deductible

Inpatient hospital services1 (includes maternity) 90% after deductible 65% after deductible Outpatient hospital services and surgery 90% after deductible 65% after deductible

Emergency room charges _{90% after deductible} 90% after in-network deductible Urgent care charges 90% after deductible 90% after in-network deductible Ambulance 90% after deductible 90% after in-network deductible Mental health and chemical dependency care

inpatient1 and outpatient 90% after deductible 65% after deductible

Hearing aids and fittings 100% after deductible up to a maximum of $750 per year every 3 years Durable medical equipment 90% after deductible 65% after deductible

Vision Administered by Vision Service Plan (VSP). For more information, visit vsp.com/go/3M or call 1-800-877-7195.

Prescription drugs (view 3M Preventive Drug List) Administered by CVS/Caremark. For more information, visit caremark.com/3M or call 1-800-700-5257.

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Pre-certification is required.

Your out-of-pocket costs depend on the network status of your provider. To check status, call 3M member services or visit bluecrossmn.com/3M.

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Choice Advantage Plan

(NEW for 2013)

This plan gives you open access to all providers; you pay less for care when you see providers who participate in Blue Cross’ extensive PPO network. If you see a provider who does not participate in the PPO network, you are responsible for paying higher annual deductible and coinsurance amounts, and you may be responsible for the difference between the actual charge and the allowed amount. There is an out-of-pocket maximum to protect you from unusually high health care expenses. This plan also allows you to contribute to a Health Savings Account (HSA) and 3M makes an annual contribution of up to $600 to an individual HSA or $1,200 to a family HSA. Other key features of the plan:

• 100% coverage of eligible in-network preventive care • Online tools to help you manage your care and your account • No referrals to see specialists • Blue Card PPO network providers file all claims for you • Worldwide coverage through the BlueCard network • HSA-eligible for additional tax savings advantages

In-Network

Out-of-Network*

Health Savings Account (can be used to help pay for out-of-pocket costs on qualified medical expenses)

Individual coverage: 3M contributes an annual amount up to $600 Family coverage: 3M contributes an annual amount up to $1,200 Annual deductible (embedded deductible)

Does not include ineligible expenses, expenses in excess of the allowed amount, prescription or vision expenses. With the Choice Advantage plan’s family coverage, if one member meets the individual deductible amount (that is, $2,600) on his/her own, the plan will begin covering that individual’s care at 90% of the allowed amount for in-network services. The remaining family members must then collectively meet the family deductible before everyone’s care is covered at 90% (This is called an “embedded” deductible.)

$5,200 individual coverage $10,400 family coverage Out-of-network expenses do not apply to the in-network deductible

Coinsurance 90% for most covered services after deductible

Includes the annual deductible and coinsurance. Does not allow ineligible charges, expenses in excess of the allowed amount, prescription drugs or visions expenses.

$5,200 individual coverage $10,400 family coverage Separate maximums apply for in-network and out-of-in-network expenses

$10,400 individual coverage $20,800 family coverage Separate maximums apply for in-network and out-of-in-network expenses Lifetime benefit maximum Unlimited

Inpatient hospital services1 (includes maternity) 90% after deductible 65% after deductible Outpatient hospital services and surgery 90% after deductible 65% after deductible

Emergency room charges _{90% after deductible} 90% after in-network deductible Urgent care charges 90% after deductible 90% after in-network deductible Ambulance 90% after deductible 90% after in-network deductible Mental health and chemical dependency care

Hearing aids and fittings 100% after deductible up to a maximum of $750 per year every 3 years Durable medical equipment 90% after deductible 65% after deductible

Prescription drugs (view 3M Preventive Drug List) Administered by CVS/Caremark. For more information, visit caremark.com/3M or call 1-800-700-5257.

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Basic PPO Plan

(formerly known as BlueCard PPO 3M Medical Plan)

Like the Prime and Choice Advantage Plans, the Basic PPO (Preferred Provider Organization) Plan gives you open access to all providers; you pay less for care when you see providers who participate in Blue Cross’ extensive PPO network. If you see a provider who does not participate in the PPO network, you are responsible for paying higher annual deductible and coinsurance amounts, and you may be responsible for the difference between the actual charge and the allowed amount. There is also an out-of-pocket maximum to protect you from unusually high health care expenses. Other key features of the plan:

• 100% coverage of eligible in-network preventive care • Online tools to help you manage your care and your account • No referrals to see specialists • Blue Card PPO network providers file all claims for you • Worldwide coverage through the BlueCard network

In-Network

Out-of-Network*

Annual deductible

Does not include ineligible expenses, expenses in excess of the allowed amount, prescription or vision expenses.

$400 individual coverage $800 family coverage

$800 individual coverage $1,600 family coverage Out-of-network expenses do not apply to the in-network deductible Coinsurance _{90% for most covered services after}

deductible

Includes the annual deductible, copays and coinsurance. Does not allow ineligible charges, expenses in excess of the allowed amount, prescription drugs or vision expenses.

Separate maximums apply for in-network and out-of-in-network expenses

Separate maximums apply for in-network and out-of-in-network expenses Lifetime benefit maximum Unlimited

Inpatient hospital services1 (includes maternity) 90% after deductible 55% after deductible Outpatient hospital services and surgery 90% after deductible 55% after deductible Emergency room charges (Copay waived if admitted

within 24 hours) 90% after deductible and a $100 _copay

90% after in-network deductible and a $100 emergency room copay Urgent care charges 90% after deductible 90% after in-network deductible Ambulance 90% after deductible 90% after in-network deductible Mental health and chemical dependency care

Hearing aids and fittings 100% coverage up to a maximum of $750 per year every 3 years Durable medical equipment 90% after deductible 55% after deductible

Prescription drugs Administered by CVS/Caremark. For more information, visit caremark.com/3M or call 1-800-700-5257.

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* Highest out-of-pocket costs: out-of-network nonparticipating providers (You are responsible for the difference between Blue Cross’ allowed amount and the amount billed by nonparticipating providers. This is in addition to any applicable deductible, copay or coinsurance. Benefit payments are calculated on Blue Cross’ allowed amount, which is typically lower than the amount billed by the provider.)

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PRESCRIPTION DRUG

INFORMATION

CVS/Caremark

CVS/Caremark administers the prescription drug benefit. There are many valuable features of the prescription plan, including:

• A dedicated 3M Customer Care team specifically trained to answer your prescription benefit questions. The Customer Care team can be reached toll free at

1-800-700-5257.

• CVS/Caremark Mail Service Pharmacy and Maintenance Choice. Mail service offers the

convenience of a 90-day supply, home delivery for your long-term prescriptions and cost savings with

convenient payment options such as Electronic Check Processing, Bill Me Later®, debit card, credit card and check or money order. Maintenance Choice also offers the convenience and cost savings on a 90-day supply when you fill prescriptions at a CVS retail pharmacy or the CVS/CarePlus pharmacy at

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M Center.

• FastStart® offers easy ways to get started with mail service. FastStart will contact your doctor for new prescriptions, helping you save both time and money. To get started, call the 3M dedicated FastStart number toll free at 1-866-488-4710.

Please note: You should have a separate

CVS/Caremark prescription ID card. Please

use this card – not your Blue Cross member

ID card – when filling prescriptions.

For assistance or questions, please contact a

CVS/Caremark Customer Care representative toll free at

1-800-700-5257 Monday through Friday 6 a.m. to

9 p.m. and Saturday and Sunday 8 a.m. to 7 p.m., CT. CVS/Caremark is an independent company that does not provide Blue Cross products or services and is solely responsible for its prescription drug administration.

Preventive drug list

The Prime Advantage and Choice Advantage plans are paired with the

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M Preventive Drug List, which contains specific prescriptions that are covered at 90 percent before the deductible has been met.

The complete preventive drug list can be accessed online. Visit bluecrossmn.com/

3M and see ―Advantage Plans

site.‖ Choose the ―Health Plan‖ section, then select ―preventive drugs‖, or visit the Caremark website at

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HOW YOUR CLAIMS ARE PAID

By seeing a BlueCard PPO in-network provider, you’ll receive the highest level of benefits and pay the least amount. When you see a health care provider that does not participate in the BlueCard PPO network, you’ll pay more of the cost of your care and you may have to file

your own claims. Also, when you see a BlueCard PPO in-network provider for eligible preventive care services, the plan pays 100 percent of the allowed amount. BlueCard PPO in-network providers also will file claims for you.

Your visit.

Depending on your provider, you may be required to pay some share of your estimated annual deductible and/or coinsurance at the time of service or any copay, if applicable.

Your in-network provider submits your claim to Blue Cross.

Blue Cross processes your claim, generally within two weeks of

receiving all the necessary paperwork from your provider.

You receive an EOB.

If you have any cost share on the claim, you will receive an Explanation of Health Care Benefits (EOB) in the mail. It’s not a bill — it’s a record of what you’ll pay when your provider sends you an invoice, assuming you haven’t already paid this amount. If you have paid any amount in excess of what is noted on the EOB, contact your provider to discuss further. Note: Each covered family member can see their own EOBs on their home page after they register and sign in at bluecrossmn.com/3M.

You can view your own EOBs and those for covered dependents who are 12 and under.

Provider’s bills typically arrive within two weeks after you receive

your EOB.

Compare your EOB to your provider’s bill.

Make sure the amount on the bill matches what is listed on your EOB. If not, contact your provider to discuss further.

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YOUR MEMBER ID CARD

Your member ID card is your passport to care. It tells providers that you have coverage and gives them information they need to submit your claims to Blue Cross.

Always carry your member ID card and keep it handy when you call 3M member services. If you need to replace your card, sign in at bluecrossmn.com/3M

and see the ―member support‖ area. Or call 3M member services. You can also print, e-mail or fax a copy of your member ID card.

The sample below is a guide only. The information and the format of your card may vary.

ID card available online

Need a fast, convenient was to show proof of health care coverage when you don’t have your card with you? All Blue Cross members can access their ID card anytime, anywhere from a computer or iPhone. Simply sign in at

bluecrossmn.com/3M and go to ―See your member

ID card?‖ You will be able to view your card, print it or fax or e-mail it to a health care provider.

This symbol indicates you can see any BlueCard PPO network provider nationwide or overseas.

This symbol means you’re eligible for up to a $20 credit each month on your membership fees at a participating fitness center when you work out at least 12 times per month.

This is your Blue Cross member ID number. Your calls to

member services will be faster if you have this number handy. Use the resources on the back of your member ID card when you have questions.

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FOR THE PRIME ADVANTAGE

AND CHOICE ADVANTAGE PLANS

How your Health Saving

Account (HSA) works

Your HSA helps you manage your health care and your money. You, your employer or both can contribute dollars into an account that you own and manage. 3M contributes up to an annual amount of $600 to the HSA of employees with single coverage who are enrolled in the Prime Advantage or Choice Advantage Plans or up to $1,200 to the HSA of an employee enrolled in the Prime Advantage or Choice Advantage Plans when you cover yourself and additional family members. You pay no taxes on 3M’s contribution as long as you use it for qualified medical expenses.

You can fund your HSA account with pretax payroll deductions and posttax contributions. If you wish to make posttax contributions to your account, you can send them directly to your account administrator, PayFlex.

HealthHub, powered by PayFlex®_{provides everything}

you need to manage your HSA. PayFlex is a leader in servicing health care spending and savings accounts for more than 3,200 companies and millions of individuals nationwide. It offers an FDIC insured interest bearing account to use for your out of pocket expenses and mutual fund investment options to use for saving for the long haul. With HealthHub you can:

Initiate transactions online or via mobile device Manage and track your expenses and documents Customize your account settings and expense reporting

To learn more about HSAs and the services provided by PayFlex to 3M plan members, login to the HealthHub website through 3M Source, visit 3M.healthhub.com or contact customer service at (866) 363-5391 (toll free), 7 a.m.-7 p.m., Monday – Friday and Saturday 9 a.m.-2 p.m. CT.

You can contribute to your HSA each year that you are covered by a qualified high-deductible heath plan, such as the Prime Advantage and Choice Advantage Plans. For 2013, you can contribute up to $3,250 if you have individual coverage and $6,450 if you have family

coverage (this includes any employer contributions). Individuals age 55 and older can also make additional ―catch-up‖ contributions. The maximum catch-up contribution for 2013 is $1,000.

New online resource makes it easy to

understand an HSA plan

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M and Blue Cross have created a new online resource designed to help you understand the 3M Advantage Plans and HSAs. You will find a side-by-side comparison of the

3M

Advantage Plans – Prime and Choice,

graphical explanations of how an HSA plan works and video stories from members who have chosen a high-deductible health plan.

This resource also contains information on: benefits

plan premiums the claims process preventive care prescription drugs health support programs

To visit the site, go to bluecrossmn.com/

3M and see

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MYBLUECROSS: YOUR ONLINE

HEALTH AND HEALTH PLAN

RESOURCE

When you want one-stop convenience for all your health plan information, myBlueCross, found at

bluecrossmn.com/3M, is your best resource. It’s

simple, easy to use and has a wealth of information.

Information at your fingertips

• View claims, HSA account balance and other plan information

• Search for a network doctor, clinic or hospital • See provider cost and quality ratings, including

costs for common procedures/surgeries • Order a replacement member ID card

• Send a secure message to 3M member services • Provide your e-mail address to tell us how you

would like to receive some health support communications — print or electronic

And that’s only the beginning. When you sign in at myBlueCross at bluecrossmn.com/3M, you’ll also

have these features:

Health and wellness resources

Making the right choices for your health is important and this is a great place to start. You’ll find:

• Information and resources on topics such as fitness, nutrition, and stress management and sections dedicated to women’s health, men’s health, children’s health and more

• Personalized support, online health coaching and a customized dashboard page with easy access to the topics of most interest to you

• Interactive calculators to tell you how many calories you burn, your target heart rate and more

• Resources for people with illnesses like diabetes, heart disease and asthma

Find provider cost and quality information

The ―Find a doctor‖ web tool provides health care ratings and quality information. You can see doctor information such as certifications, background checks and education. And for hospitals, you can check on services offered, patient safety, safe practices and more. You can also look up Blue Distinction Centers, urgent care centers and retail health clinics near you.

Register today

Registration is secure and fast. With your member ID card handy, go to bluecrossmn.com/3M, click the

registration link and follow the instructions.

After you register, you’ll have immediate access to your personal information about claims, deductibles and maximums, a health cost summary and more. Registration is a secure process so that only you can access your personal information and that of any covered minor under the age of 12. Covered family members age 12 and older can also register to see their claims information.

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BLUE CROSS HEALTH SUPPORT

When you’re a member of Blue Cross, you can take advantage of a variety of health support resources that are available to 3M members, including:

Health Guides

When you have questions about your benefits, a

treatment plan, a health procedure or more, just call 3M member services. You’ll reach a Health Guide who will listen carefully to your concerns and may even connect you with a Nurse Guide to answer any health and medical questions. Call 3M member services toll free at

1-800-858-0722.

Proven Stop-Smoking Support

Enhanced Stop-Smoking Support has helped thousands of people. It provides one-on-one phone counseling and tools and strategies to help you quit in your own way, at your pace. The program includes five 10-minute calls with a Quit Coach, access to a Weight Coach, an interactive website and nicotine replacement therapy*, the cost for which is covered 100 percent by 3M. Call toll free at 1-888-662-BLUE (2583) to get started.

*Options include the patch, gum or lozenge mailed directly to participants in the program whose medical history does not preclude them from safely using these medications.

24-Hour Nurse Advice Line

Call the toll-free Nurse Advice Line anytime, day or night, when you have symptoms or other health questions. A nurse will ask about your symptoms and help you decide whether to get care right away, wait until your clinic opens or care for yourself at home.

Prerecorded messages on a variety of topics are also available with the 24-hour Audio Library. Call (651) 662-5510 or toll free at 1-800-858-0722.

Fitness Discounts pays you back monthly

Up to two covered members, age 18 or older, can earn up to a $20 credit each month toward fitness center dues by working out at least 12 times a month at a participating fitness center. There are hundreds of fitness centers in our network.

Find a participating fitness center by signing in at

bluecrossmn.com/3M.

Enroll at your participating fitness center. Present your member ID card and tell them you want to enroll.

The fitness center tracks your visits and either credits your discount on a future monthly membership bill or will deposit the funds directly into an account you specify. As long as you are eligible and you meet the minimum number of workout sessions per month, you’ll get the discount.

Healthy Start

®

_{Prenatal Support for healthy}

baby and mom

Healthy Start matches moms-to-be with a registered nurse with obstetric experience who delivers personal support by phone. Participants who complete the program receive a $50 reward card.* Call

(651) 662-1818 or toll free at 1-866-489-6948 to get started. Visit myhealthystart.org for tools and information.

*Reward card may result in a taxable event for you. Consult your tax advisor.

Dedicated Nurse Support for health

challenges

If you experience a major health event or illness or are living with an ongoing condition, a Dedicated Nurse can help you manage and understand your condition, treatment options, and help coordinate care.

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Where to go for help

Blue Cross and Blue Shield of

Minnesota customer service

Online or on the phone, get your questions answered quickly and conveniently.

Visit bluecrossmn.com/3M to register and sign in to the myBlueCross member center. MyBlueCross is where you’ll find the tools and resources needed to manage your health.

(651) 662-5510 or toll free at 1-800-858-0722 TTY toll free 1-888-878-0137

Monday – Thursday 7 a.m. to 8 p.m. CT Friday 9 a.m. to 8 p.m. CT

Find a provider

You’ll want to reference your benefit plan materials to see what network your plan uses.

Visit the “Find a doctor” link on bluecrossmn.com/3M BlueCard®_{national provider network}

Sign in to myBlueCross. Search “Doctors & Hospitals” and select the appropriate network for your plan in 2013. You can also call toll free at 1-800-810-BLUE (2583).

BlueCard international provider network

Sign in to myBlueCross. Search “Doctors & Hospitals” and select “BlueCard Worldwide®_{.” You can also call toll free at 1-800-810-BLUE (2583) or call}

collect (804) 673-1177.

Behavioral health care providers

Call customer service at (651) 662-5510 or toll free at 1-800-858-0722

HSA account administrator

HealthHub®_{, powered by PayFlex}®

Toll free at 1-866-363-5391 3M.healthhub.com

Prescription drugs

CVS/Caremark

Toll free at 1-800-700-5257 caremark.com/3M

Find health and wellness

resources

A wealth of health and wellness resources are at your fingertips. Sign in at bluecrossmn.com/3M and see “health & wellness.”

To find out more about the health services and support listed at right, sign in to myBlueCross and see “plan details,” call customer service or call the phone numbers listed.

Stop-Smoking Support

Toll free at 1-888-662-BLUE (2583) 24-Hour Nurse Advice Line

(651) 662-5510 or toll free at 1-800-858-0722 Fitness Discounts

myBlueCross > plan details > Health Support Healthy Start®_{Prenatal Support}

(651) 662-1818 or toll free at 1-866-489-6948 Vision Service Plan (VSP)

Toll free at 1-800-877-7195 vsp.com/go/3M

Discounted acupuncture, massage and health products myBlueCross > plan details > Health Support