Simple. Personal. Empowering.

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2016 Benefits

Simple.

Personal. Empowering.

Understanding your UnitedHealthcare Medical

Plans offered by Marsh & McLennan

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What’s New for 2016

Key Terms

Medical Plans Overview

Preventive Care

Call Center Enhancements

Network

Tools and Resources to Support You

Prescription Drug Benefit Administered by Express Scripts

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3 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

• The $2,500 Deductible Plan eliminated, new $2,850

Deductible Plan

• Four plans to choose from:

• $350 Deductible Plan and $800 Deductible Plan

• $1,500 Deductible Plan and $2,850 Deductible

Plan – both are HSA Compatible

• Medical and Pharmacy deductibles and out of pocket

maximums are combined

• Centers of Excellence added for Bariatric Surgery

• Access to Telemedicine through UHC Network

• New ID cards will be sent prior to January 1

st

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Plan Definitions

Deductible

The amount you owe for health care services before your medical plan begins to

pay. For example, if your deductible is $350, your plan won't pay anything except for

preventive services until you've met your $350 deductible for covered health care

services subject to the deductible. The deductible may not apply to all services.

Co-insurance

Your share of the costs of a covered health care service, calculated as a percent

(for example, 20%) of the allowed amount for the service. For example, if the

health insurance or plan's allowed amount for an office visit is $100 and you've met

your deductible, your co-insurance payment of 20% would be $20. The health

insurance or plan pays the rest of the allowed amount.

Out-of-Pocket

The most you pay during a policy period before your health insurance or plan

begins to pay 100% of the allowed amount. This limit never includes your premium,

balance-billed charges or health care your health insurance or plan doesn't cover.

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5 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Provision

$350 Deductible Plan

$800 Deductible Plan

Deductible (Individual/Family)

IN: $350 / $700

OON: $2,000 / $4,000

IN: $800 / $1,600

OON: $2,400 / $4,800

Out-of-Pocket Maximum (Individual/Family)

*includes deductible and copayments

IN: $2,000 / $4,000

OON: $4,000 / $8,000

IN: $2,400 / $4,800

OON: $4,800 / $9,600

General Coinsurance

IN: 80% OON: 60%

Office Visit – Preventive

IN:100%, no deductible

OON: 60%, after deductible

IN:100%, no deductible

OON: 60%, after deductible

Office Visit –

Primary Care

IN: $15 copay

OON: 60%, after deductible

IN: 80%, after deductible

OON: 60%,after deductible

Office Visit – Specialist

IN: $30 copay

OON: 60%, after deductible

IN: 80%, after deductible

OON: 60%, after deductible

Outpatient Surgery

IN: 80%, after deductible

OON: 60%, after deductible

IN: 80%, after deductible

OON: 60%, after deductible

Hospital

IN: 80%, after deductible

OON: 60%, after deductible

IN: 80%, after deductible

OON: 60%, after deductible

Emergency Room (waived if admitted)

IN/OON: $100, then 80% after deductible

IN/OON: 80%, after deductible

Urgent Care / Convenience Care

IN: $50 copay

OON: 60%, after deductible

IN: 80%, after deductible

OON: 60%, after deductible

IN: In-Network

OON: Out-of-Network

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Provision

$1,500 Deductible Plan with HSA

$2,850 Deductible Plan with HSA

Deductible (Individual/Family)

IN: $1,500 / $3,000

OON: $3,000 / $6,000

IN: $2,850 / $5,700

OON: $5,700 / $11,400

Out-of-Pocket Maximum (Individual/Family)

*includes deductible and copayments

IN: $3,000 / $6,000

OON: $6,000 / $12,000

IN: $5,500 / $11,000

OON: $11,000 / $22,000

General Coinsurance

IN: 80% OON: 60%

IN: 70% OON: 50%

Office Visit – Preventive

IN: 100%, after deductible

OON: 60%, after deductible

IN: 100%, no deductible

OON: 50%,after deductible

Office Visit –

Primary Care

IN: 80%, after deductible

OON: 60%, after deductible

IN: 70%, after deductible

OON: 50%, after deductible

Office Visit – Specialist

IN: 80%, after deductible

OON: 60%, after deductible

IN: 70%, after deductible

OON: 50%, after deductible

Outpatient Surgery

IN: 80%, after deductible

OON: 60%, after deductible

IN: 70%, after deductible

OON: 50%, after deductible

Hospital

IN: 80%, after deductible

OON: 60%, after deductible

IN: 70%, after deductible

OON: 50%, after deductible

Emergency Room (waived if admitted)

IN/OON: 80%, after deductible

IN/OON: 70%, after deductible

Urgent Care / Convenience Care

IN: 80%, after deductible

OON: 60%, after deductible

IN: 70%, after deductible

OON: 50%, after deductible

IN: In-Network

OON: Out-of-Network

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7 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Preventive Care

7 Preventive vs. Diagnostic

• Symptoms require

further diagnosis

• Previous abnormal test

results prompt earlier or

more frequent

screenings

• Previous abnormal test

results prompt

rescreening.

Diagnostic

• No symptoms, illness, or

history prompting the

screening

• In accordance with age

and gender guidelines

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Preventive Care

Preventive Health Care Coverage

• Preventive care is covered at 100% in-network.

Services includes, but not limited to:

• Immunizations and wellness visits for children

• Adult Screenings: 100% Covered once per

Calendar Year

• Prostate Cancer Screening

• Colorectal Cancer Screening

• Mammography / PAP Smear

• Regular preventive care helps

• Reduce risk of disease

• Detect health problems early

• Protect you from higher costs down the road

No deductible.

No copayment.

No coinsurance.

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New Call Center Philosophy

9 Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

• The reliability of your favorite online retailer

• The ease of streaming a movie… one that was recommended for you

based on your preferences

• The confidence you get from your go-to search engine

• The ability to talk with someone whose goal is to really understand your

needs

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Call Center Overview

Convenient

—

You connect with an Advocate in the way you most

prefer — phone, email and more.

1

2

3

4 Accountable — Each Advocate is responsible for following through

to personally see that each inquiry is resolved.

Valuable — Advocates help earn your employees’ trust and are here

to help you take ownership of your health care by helping you:

• Better understand their benefits

• Better understand care options

• Potentially save time and money

• Feel more confident in your decisions

Personalized — Through our exclusive Predictive Personalization,

we use data, analytics and technology to provide a personalized

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11 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

The UnitedHealthcare network

covers 99% of the U.S. population

and is available in 96% of all U.S.

counties.

You can see any

doctor you want, In

or Out of Network. Out of Network

benefits coinsurance and deductibles

may be higher.

You do not need referrals to see

specialists.

Some services may require

pre-authorization by UHC.

1

2

3 KEY FEATURES OF THE NETWORK

Source: UnitedHealthcare Network and national network data provided by Strenuus and industry standard access requirements for hospitals and primary care physicians, May 2012

4

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UnitedHealthcare Networks

Residents of MA, ME or NH ( Harvard Pilgrim Network Area)

Passport Connect

®

_{with Harvard Pilgrim}

Ability to access Harvard Pilgrim and UnitedHealthcare networks

• If you receive care in the Harvard Pilgrim network service area,

you receive network benefits from Harvard Pilgrim network

• If traveling and receiving care outside the Harvard Pilgrim network

service area, you receive network benefits when you use

UnitedHealthcare’s network

Combined Features

• Access to myuhc.com

• Co-branded health plan ID card

Passport Connect

®

_{with Medica}

As a resident of MN, ND or SD (Medical Network Service

Area)

Ability to access Medica and UnitedHealthcare networks

• Receive care in Medica network service area, you receive

network benefits from Medica network

• If traveling and receive care outside the Medica network

service area, you receive network benefits when you use

UnitedHealthcare’s network

Combined Features

• Access to myuhc.com

• Co-branded health plan ID card

UnitedHealhcare

*Choice Plus National Network

No matter where you are in the country, a

UnitedHealthcare network doctor,

pharmacy, hospital and convenience care

clinic are likely nearby.

The UnitedHealthcare network covers

99% of the U.S. population and is

available in 96% of all U.S. counties.

•Search for a doctor or hospital at

www.myuhc.com®

•Call the number on the back of your

health plan ID card for help from

myNurseLine

SM

_{or Customer Care}

•Use UnitedHealthcare Health4Me™ on

your smartphone

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13 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Virtual Visits

Deliver consistency with flexibility around technology,

credentialing and billing standards

Virtual visits network

Virtual visits benefit

Virtual visits access

Doctor on

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• Search for a doctor or hospital at

www.myuhc.com® or

• Call the number on the back of your

health plan ID card for help from

Customer Care

• Use UnitedHealthcare Health4Me™

on your smartphone.

Search by:

• Name or specialty

• Procedure

• Office hours

• Gender

• Education

• Location

• Languages spoken

How to Find a Network Doctor or

Hospital

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15 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

The UnitedHealth Premium

®

_program

evaluates doctors for quality and cost

efficiency to help you choose a doctor

with confidence

The program uses national industry standards to

evaluate quality and local market benchmarks for

cost efficiency

UnitedHealth Premium Tier One doctors:

• Practice evidence-based care

• Are more likely to follow new research and clinical trials

• May have lower surgery repeat rates

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Take charge of your health

care with myuhc.com

• Estimate your health care costs

• Search for network doctors

• Talk with an online

health coach

• Track your claims and expenses

• Safely record and store your family

health history

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17 Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

myHealthcare Cost Estimator is available on Health4Me and myuhc.com

®

All UnitedHealthcare members can access a cost estimator online tool. Depending on your specific benefit plan and the ZIP code that is entered, either the new myHealthcare Cost Estimator or the current Treatment Cost Estimator will be available. A mobile version of myHealthcare Cost Estimator will be launched soon, and additional ZIP codes and procedures will be added soon.

myHealthcare Cost Estimator is your personalized online tool to make more

informed health care decisions

Start with what you need

• Look up a symptom, treatment or test.

Choose your care path

• Learn about the care, cost and time to treat

your condition. The care path allows you to

see the appointments, tests and follow up

care involved.

See the big picture

• Learn about costs ahead of time to help you

plan. Create a custom estimate based on

your plan details and preferred provider and

facilities.

1

2

3

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Use myuhc.com wherever you are — download

the UnitedHealthcare Health4Me

TM

mobile app.

Health4Me provides instant access to your

family’s health information — anytime and

anywhere. Whether you want to find a physician

near you, check the status of a claim or speak

directly with a health care professional,

Health4Me is your go-to resource.

•It’s responsive

•It simplifies

•It goes where you go

•It’s personal

HEALTH4ME

Health4Me

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19 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

HAVE MORE QUESTIONS?

Learn more:

1-866-374-2662

8am – 8pm

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TRAINING MODULE

Thank you!

The information provided on included programs is for informational purposes only and is not a

substitute for your doctor’s care. Please discuss with your doctor how the information provided is

right for you.

All trademarks are the property of their respective owners. Used by permission.

© 2014 United HealthCare Services, Inc.

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Confidential and Proprietary Information

21

This document contains Express Scripts, Inc. proprietary information and/or data. Recipient, by accepting this document, agrees that it will not duplicate, use, or disclose—in whole or in part—this document, or the information contained therein, or any part thereof to others for any other purpose except as specifically authorized in writing by Express Scripts, Inc.

Confidential and Proprietary Information

21 What You Need to Know About

Your Prescription Drug Benefit

Administered by Express Scripts

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This document contains Express Scripts, Inc. proprietary information and/or data. Recipient, by accepting this document, agrees that it will not duplicate, use, or disclose—in whole or in part—this document,

Information about today’s web meeting

• For privacy purposes, please

refrain from asking questions that

are specific to medications that

you or a family member may be

taking.

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Confidential and Proprietary Information

23 Agenda

• About Your Prescription Drug Benefit administered

by

Express Scripts

• The Features of Your Prescription Drug Benefit

• $350/$800 Deductible Plan Coverage Options

• $1500/$2850 High Deductible Health Plan Coverage Options

• Information You Need to Know About Your Plan’s Prescription

Drug Coverage

• Making the Best Use of Your Benefit

• Choosing a pharmacy

• Choosing lower-cost medications

• Using Express-Scripts.com

• We’re Here to Help Answer Your Questions and Address Your

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About Your Prescription Drug Benefit

Administered by Express Scripts

• Your prescription drug benefit is administered by Express Scripts.

• If you are a new enrollee during 2016 AE you will receive a Welcome

Package containing:

• Your plan summary information

• Your prescription drug ID card

• In the event you do not have your ID cards

• Call Member Services at 1-800-987-8360 to request an ID card or

• Register at Express-Scripts.com to print a temporary ID card or to

• Download the

Express Scripts™ Mobile App to display a virtual ID card to

your local pharmacist.

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Confidential and Proprietary Information

25 About Your Prescription Drug Benefit

Administered by Express Scripts

• You automatically receive prescription drug coverage when you elect

medical coverage under the $350/$800 Deductible Plans and the

$1500/$2850 High Deductible Plans

• Coverage includes the option to purchase medications from a retail

pharmacy and from the Express Scripts

®

_{mail-order service.}

• Your prescription drug costs will vary based on whether the medication is a

generic, formulary brand-name, or non-formulary brand name.

• If you have questions or need further information to better understand

your prescription drug plan:

• Call Member Services at 1-800-987-8360 24 hours a day,

7 days a week except Thanksgiving and Christmas.

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What You Need to Know About

Your 2016 Prescription Drug Benefit

Administered by Express Scripts

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Confidential and Proprietary Information

27 Reminder during today’s webcast:

For privacy purposes, please refrain

from asking questions that are

specific to medications that you or a

family member may be taking.

(28)

Agenda

• About Your Prescription Drug Benefit administered

by

Express Scripts

• The Features of Your Prescription Drug Benefit

• $350/$800 Deductible Plan Coverage Options

• $1,500/$2,850 High Deductible Health Plan Coverage Options

• Information You Need to Know About Your Plan’s Prescription

Drug Coverage

• Making the Best Use of Your Benefit

• Choosing a pharmacy

• Choosing lower-cost medications

• Using Express-Scripts.com

• We’re Here to Help Answer Your Questions and Address Your

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Confidential and Proprietary Information

29 About Your Prescription Drug Benefit

Administered by Express Scripts

• Your prescription drug benefit is administered by Express Scripts.

• If you are a new enrollee during 2016 AE, you will receive a Welcome

Package containing:

• Your plan summary information

• Your prescription drug ID card

• In the event you do not have your ID cards

• Call Member Services at 1-800-987-8360 to request an ID card or

• Register at Express-Scripts.com to print a temporary ID card or

• Download the

Express Scripts™ Mobile App to display a virtual ID

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About Your Prescription Drug Benefit

Administered by Express Scripts

• You automatically receive prescription drug coverage when you elect

medical coverage under the $350/$800 Deductible Plans and the

$1,500/$2,850 High Deductible Plans.

• Coverage includes the option to purchase medications from a retail

pharmacy and from the Express Scripts

®

_{mail-order service.}

• Your prescription drug costs will vary based on whether the medication is a

generic, formulary brand-name, or non-formulary brand name.

• If you have questions or need further information to better understand

your prescription drug plan:

• Call Member Services at 1-800-987-8360 24 hours a day, 7 days a week

except Thanksgiving and Christmas.

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Confidential and Proprietary Information

31 Confidential and Proprietary Information

31 The Features of Your

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Your Plan’s Drug Coverage

Your plan covers a broad range of medications that fall into three categories:

• Generic medications (Tier I)

 May cost you less than plan-preferred and non-preferred medications.

• Formulary brand-name medications (Tier 2)

 A broad list of brand-name drugs. Drugs on this list may cost you less than

non-formulary brand-name medications.

• Non-formulary brand-name medications (Tier 3)

 Brand-name drugs that are not included on the plan-preferred list. You may pay the

most toward the cost of these drugs.

Your plan encourages you to choose generics and formulary brand-name medications. Unless your physician

specifically prescribes a brand-name medication without substitution, prescriptions will be filled with the generic

equivalent when allowed by state law.

If you or your physician requests the brand-name prescription drug when a generic prescription drug is available and

there is no medical reason for the brand-name prescription drug, you pay the generic drug copayment for the drug in

addition to the difference between the brand-name prescription drug and generic prescription drug gross cost.

Please note, that some drugs may not be covered under your prescription benefit when there are similar safe and

effective alternatives.

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Confidential and Proprietary Information

33 How much you will pay toward your prescriptions under the $350 or $800

Deductible Plans:

Note: For all maintenance prescription drugs, after the first three fills at a retail pharmacy, if you

choose to continue to fill the prescription at a retail pharmacy, you will pay 100% of the price for

all subsequent fills.

Participating Retail Pharmacies

(30 day supply)

Retail Generic

Retail Formulary

Retail Non-Formulary

$350 Deductible Plan

$10

$30

$60

$800 Deductible Plan

_{(min. $10/ max. $20)}

30%

_{(min. $25/ max. $50)}

30%

_{(min. $40/max. $80)}

45%

Express Scripts Mail Order Pharmacy

(up to a 90 day supply)

Mail Generic

Mail Formulary

Mail Non-Formulary

$350 Deductible Plan

$25

$75

$150

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Maximum Out of Pocket

• The $350 and $800 Deductible Plans will have a yearly Maximum Out

of Pocket in conjunction with your medical carrier.

• Express Scripts will share claims with your medical carrier and track

yearly spending – this will reset every year on January 1.

• Once maximum out of pocket is met, your copay will be $0 for Rxs

(excluding applicable penalties).

Plan

_{Single / Family OOP amounts}

IN NETWORK

_{Single / Family OOP amounts}

OUT OF NETWORK

$350 Deductible Plan

_{Family -$4000}

Single -$2000

Single - $4000

_{Family -$8000}

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Confidential and Proprietary Information

35 High Deductible Plans (HDHP) Options

($1,500 and $2,850):

• The HDHP health plan is your combined medical and prescription drug benefit. You may

make pre-tax contributions to your HSA and use all the funds in your HSA to help pay for

medical and prescription drug expenses.

• You pay 100% of your medical and prescription drug expenses until you meet your

annual deductible.

• Once you have met your deductible, you pay the copayment / coinsurance amounts until

you reach your out-of-pocket maximum.

• Once you have reached your out-of-pocket maximum, including your deductible, your

plan pays 100% of eligible medical and prescription drug expenses for the remainder of

the benefit year.

• The Plan will bypass your deductible on certain preventive drugs. Preventive drug

expenses are not subject to a deductible but you will still be responsible for the

copayment / coinsurance. To find out if your medication is considered preventive – price

your medication on express-scripts.com.

• Under the Affordable Care Act (ACA) certain medications will be covered at 100% and

are not subject to deductible or copayment. Please note that over the counter (OTC)

drugs under ACA require a prescription to be covered at 100%.

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How much you will pay toward your prescriptions under the $1,500 or $2,850 High

Deductible Plans:

Participating Retail Pharmacies

(up to a 30 day supply ) and

Express Scripts Mail Order

Pharmacy

(up to a 90 day supply)

Retail Generic

Retail Preferred

Retail Non-Preferred

$1,500 Deductible Plan

20%,

after deductible

20%,

after deductible

20%,

after deductible

$2,850 Deductible Plan

30%,

after deductible

30%,

after deductible

30%,

after deductible

Participating Retail Pharmacies (up to a

30 day supply) and Express Scripts Mail

Order Pharmacy (up to a 90 day supply)

IN NETWORK

Single / Family DED

amounts

OUT OF NETWORK

Single / Family DED

amounts

IN NETWORK

Single / Family OOP

amounts

$1,500 Deductible Plan

Single-$1500 /

_Family-$3000

Single-$3000 /

_Family-$6000

Single-$3000 /

_Family-$6000

$2,850 Deductible Plan

Single-$2850 /

_Family-$5700

_{Family-$11400}

Single-$5700 /

_{Family-$11000}

Single-$5500 /

OUT OF NETWORK

Single / Family OOP

amounts

Single-$6000 /

Family-$12000

Single-$11000 /

Family-$22000

Note: For all maintenance prescription drugs, after the first three fills at a retail pharmacy, if you

choose to continue to fill the prescription at a retail pharmacy, you will pay 100% of the price for

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Confidential and Proprietary Information

37 Information You Need to Know About Your Plan’s

Prescription Drug Coverage

• Your plan covers a broad range of medications. You may be subject to several different

types of drug management programs. These include quantity management, prior

authorization and qualification by history or step therapy.

• Some medications may not be covered by your plan unless you receive approval

through a coverage review (prior authorization).

• This review helps ensure a particular drug is being prescribed appropriately and in

accordance with your plan’s coverage.

• The review uses plan rules that are based on FDA-approved prescribing and safety

information, clinical guidelines, and uses that are considered reasonable, safe, and

effective.

• Some covered medications may also have limits (for example, only for a certain

amount or for certain uses) unless you receive approval through a review.

• As new drugs become available or new indications are approved for already available

drugs, the drugs that require prior authorization may be modified. To obtain prior

authorization for coverage ask your doctor to call Express Scripts at 1 800-753-2851.

After Express Scripts receives the necessary information, you and your doctor will be

notified confirming whether or not coverage has been approved.

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Making the Best Use

of Your Benefit

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Confidential and Proprietary Information

39 Using Your Prescription ID Card at a Participating Retail

Pharmacy

This is a separate card in addition to your medical plan’s card

• A retail pharmacy is a perfect choice for medications to treat an acute

or temporary condition, such as antibiotics for an infection.

• There is a network of participating retail pharmacies associated with

this Plan. The Plan generally pays higher benefits if you use an

in-network retail pharmacy.

• If you use a non-participating pharmacy, in addition to your

coinsurance/copayment, you will be responsible for the cost above the

Plan’s discounted price.

• To locate a participating retail pharmacy:

• Go to Express-Scripts.com and select “Locate a Pharmacy” or

• Check on the mobile app or

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Using the Express Scripts Mail Order Pharmacy

• A convenient, safe, and less costly way to have certain medications

delivered right to you.

• You can receive up to a 90 day supply of your ongoing medications.

• The perfect choice for medications you take on an ongoing basis,

such as those used to treat:

• High blood pressure

• High cholesterol

• Diabetes

• To learn more about how to get started:

• Go to Express-Scripts.com or

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Confidential and Proprietary Information

41 Member Services

Web/Mobile App

Member services can

transfer

an existing prescription

Savings opportunities called out on

the dashboard

Patients can request prescription

transfers with a click of a button

Getting Started with the Express Scripts Pharmacy

Its easy to get started with mail service

ePrescribe

Physicians can ePrescribe

prescriptions directly to the

Express Scripts Pharmacy

•Ask your doctor to fax or submit your

prescription electronically. Prescriptions are

processed and delivered within 5 to 8 calendar

days (after receipt of your prescription).

•Mail in your prescription.



Print a mail-order form.



Mail prescription and completed order form

to the Express Scripts Pharmacy.



First-time orders will usually be delivered

within 8 to 11 calendar days after

we receive your order.

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Refilling Prescriptions at the Express Scripts Pharmacy

• When you have a 14-day supply of your

medication remaining, you can order refills:

• Online at Express-Scripts.com

• By phone: Call us toll-free at 1-800-987-8360

• By mail: Mail in your refill slip (included

with your last prescription order)

• Express Scripts Mobile app

• Have some of your prescriptions refilled and

sent automatically with Worry-free Fills

®

• Refills are processed and delivered within

3 to 5 calendar days (online or phone orders) or

6 to 9 calendar days (mailed-in orders) after

receipt of your order

Refills for long-term prescriptions

filled at retail can be transferred

to the Express Scripts

Pharmacy at

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Confidential and Proprietary Information

43 Have a question about a medication?

Call to speak to a pharmacist

You can call one of our

pharmacists for general

counseling—or an

Express Scripts Specialist

Pharmacist for complex

concerns.

Each Express Scripts

Specialist Pharmacist has

had specialized training in

the medications used to

treat a specific condition,

such as:

 High cholesterol

 High blood pressure

 Depression

 Diabetes

 Asthma

 Osteoporosis

 Cancer

You can call

an Express Scripts

Specialist Pharmacist

24/7 to ask

questions about:

 Drug interactions

 Side effects

 Risks and benefits of your

medication

 The challenges of taking

your medication as

prescribed—one of the

best ways to help maintain

or improve your health

To speak to a pharmacist, call Member Services at

1-800-987-8360

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Facts About Generic Drugs*

• Generics are commonly used:

• Eight out of 10 prescriptions filled in the United States are for generic drugs.

• FDA-approved generic drugs are as safe and effective as their

brand-name counterparts:

• The FDA requires generic drugs to have the same quality and performance

as their brand-name counterparts.

• Generic drugs are chemically equivalent to their brand-name counterparts.

• Generics cost less:

• On average, the cost of a generic drug is 80% to 85% lower than the

brand-name product. Actual member savings will depend on the

specific prescription plan.

*Source: http://www.fda.gov/Drugs/ResourcesForYou/Consumers/BuyingUsingMedicineSafely/UnderstandingGenericDrugs/ucm167991.htm.

Accessed 7/19/12

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Confidential and Proprietary Information

45 Ask Your Doctor if a Generic Medication

Will Work for You

When you receive a prescription from

your doctor, or if you are taking brand-name

drugs today, ask:

• If a generic version of the medication

is available.

• If generic medications are right

for you.

• If there are any risks if you change from

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Manage your prescriptions at Express-Scripts.com

Register now to experience the fast,

easy way to manage your

prescriptions and costs – anywhere,

anytime

• Check order status and track your prescriptions

• Refill and renew prescriptions for you and your family

• View claims history and pay balances

• Find potential lower-cost options using My Rx Choices®

• Receive safety alerts for possible medication interactions

• Contact a pharmacist anytime, day or night

• Locate an in-network retail pharmacy in your area

• Review your plan’s coverage guidelines

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Confidential and Proprietary Information

47 See how you can save on your prescriptions with My Rx

Choices

• My Rx Choices is an enhancement to your benefit program services that helps

you lower your out-of-pocket costs.

• My Rx Choices shows you a personalized and confidential comparison of the cost

of medications that you take on an ongoing basis – and how much could be saved

if you and your doctors choose available lower-cost alternatives.

• Doctors are interested in helping patients save money but don’t always know

which medications are covered or how much they cost. Now they can.

• My Rx Choices provides your doctors with the cost of your prescription drug

options so you can receive the most appropriate medication at the lowest possible

cost.

• The sooner you call or log on, the sooner you could start paying less for

medications you take on a regular basis.

• Available online at

Express-Scripts.com

, via the

Express Scripts mobile app

, and

through customer service, this unique program provides members with cost

comparisons between the medications they take regularly with possible lower-cost

alternatives available under their prescription plan.

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Registration on Express-Scripts.com

is easy

Get Started Today!

Registering is safe and simple. Your information is secure and confidential.

Please have your member ID number available.

• Go to Express-Scripts.com and select Create online account or

download the Express Scripts Mobile App for free from your

mobile device’s app store and select Register Now

• Complete the information requested, including personal information and

member ID number, and create your user name and password, along

with security information in case you ever forget your password

• Click Register now and you’re registered

**• On the final page, you can set preferences* now, or later in My Account**

on Express-Scripts.com

• Click Continue

*Preferences include the option to share your prescription information with other adult members

of your household (aged 18+) covered under your prescription drug plan. All covered adults

(aged 18+) in the household need to register separately. When you grant permission to share

your prescription information with other registered household members, they can view your

information, place orders on your behalf and more.

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Confidential and Proprietary Information

49 The Express Scripts Mobile App - Pharmacy That Goes

Farther.

SM

• The Express Scripts mobile app helps you stay on track with instant access to your personal medication information

– anytime, anywhere. You’ll have instant access to these great features:

• Claims and History - View your past prescription activity and payment details.

• Refills and Renewals

-

_{Running low? One touch and you’re good to go. Get home delivery refills right to your door}

• Order Status

-

_{On its way? Just swipe the screen with your finger to track your home delivery prescription order}

status.

• Medicine Cabinet - Check interactions, set reminders, manage medications and update your history

– all in one spot.

• Transfer to Home Delivery

-

_{Save the runaround (and maybe some money) on prescriptions you take on an ongoing}

basis.

• My Rx Choices



-

_{View lower-cost options available under your plan and discuss them while you’re still in the doctor’s}

office!

• Pharmacy Care Alerts

-

_{Get personalized alerts to help make sure you’re following your doctor’s prescribed treatment}

plan.

• Locate a Pharmacy

-

_{Search for the nearest in-network preferred retail pharmacies, view contact information and}

access directions.

• Virtual Member ID Card

-

_{Forgot your wallet? No problem. If you’ve got your device, you’ve got your ID.}

• Drug Information - Search detailed drug information and see potential side effects, drug interactions, pill images and

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We’re here to help answer your questions and address

your concerns

• Visit Express-Scripts.com.

• Information you will need to complete registration can be found on your

prescription drug ID card.

• To get the most from your online account, you’ll also need a recent prescription

number to view your personalized information.*

• Call Express Scripts Member Services at 1-800-987-8360, 24 hours

a day, 7 days a week except Thanksgiving and Christmas.

• MMC representatives cannot answer Rx specific questions.

*A prescription number is not required to register on this site.

Visit www.express-scripts.com/mmc during annual enrollment, to

compare drug prices within the different plans as well as see

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Confidential and Proprietary Information

51

Questions

and Answers

For privacy purposes, please refrain from asking

questions that are specific to medications that you