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Delete this slide before distribution All Chapters provided in the 2016 Employee Presentation are intended to be part of a module series There are 6 chapters Follow along with and compile these into your own presentation (see below) in the order they are presented Text items in red are variable. Please modify them as necessary in order to fit your customers’ needs Please pick and choose from the slides provided to create a custom presentation that is right for you and your customers.If your client is not offering a CDH plan, do not include any of the slides in this chapter Welcome to Chapter 4 – CDH PlansPlease remember:

Health Reimbursement Accounts BENEFITS Your Health Reimbursement Account (HRA) is a savings account funded by your employer. Your employer funds it each year.It will help you play for covered services.This includes paying for services that apply to your deductible, such as doctor visits, lab work, hospital stays, and more. You won’t pay for services until it’s spent.The HRA will automatically pay for all covered services first. You won’t pay as long as you have money in your HRA. The money in the HRA may be enough to cover all of your health care costs for the year.Remaining money will roll over to use next year.

Using your HRA BENEFITS It’s easy to use your HRAAutomatic payment1 If a service is covered by your health plan, we will automatically pay the bill (claim) from your HRA first, so you don’t have to.Online claim formIf you need to submit a claim for reimbursement, you can easily do so online at myuhc.com. You can even sign up for emails to stay up to date on claim payments.Health Care Spending Card MasterCard1This handy debit card makes it easy to pay from your HRA. You can use it to pay by phone, online or at locations that accept MasterCard. 1. May not be available for some plans

Choice Plus Plan with HRA With the Choice Plus plan with HRA, you can use any doctor, clinic, hospital or health care facility. You can save money when you use a health reimbursement account (HRA) and the network. Save money by staying in our network. If you go out-of-network, you’ll have to pay for all of the costs.There’s no need to choose a primary care provider (PCP) or get referrals to see a specialist.Preventive care is covered 100% in our network. BENEFITSPaying for network careCO-PAYMENT* PCP<$XX>Specialist <$XX>DEDUCTIBLE*[Self<$XXXX> [Family<$XXXX> CO-INSURANCE* <XX%> OUT-OF-POCKET LIMIT [Self <$XXXX> [Family <$XXXX> If you go out-of-network, your costs may be higher. Out-of-network providers can even bill you for amounts higher than what your plan will cover. For COVERAGE DETAILS , see your official health plan documents.

Navigate® Plan with HRAWith the Choice Plus plan with HRA, you can use any doctor, clinic, hospital or health care facility. You can save money when you use a health reimbursement account (HRA) and the network. Save money by staying in our network. If you go out-of-network, you’ll have to pay for all of the costs.There’s no need to choose a primary care provider (PCP) or get referrals to see a specialist.Preventive care is covered 100% in our network. BENEFITSPaying for network careCO-PAYMENT* PCP<$XX>Specialist <$XX>DEDUCTIBLE*[Self<$XXXX> [Family<$XXXX> CO-INSURANCE* <XX%> OUT-OF-POCKET LIMIT [Self <$XXXX> [Family <$XXXX> If you go out-of-network, your costs may be higher. Out-of-network providers can even bill you for amounts higher than what your plan will cover. For COVERAGE DETAILS , see your official health plan documents.

<Choice Plus> Plan w/ HRA: About HRA An HRA is an account funded by <your employer> to help you pay for covered health care services.An HRA saves you money.When you have money in your HRA, that’s less you have to pay out of your pocket for covered services. Your funds roll over each year.If you don’t spend all of your HRA during the plan year, it will roll over to the next yearBENEFITSWays to pay withyour HRASet up automatic payments.[Use the Health Care Spending MasterCard.®][Submit claims on myuhc.com to get reimbursed.] <Choice Plus> Plan with HRA

<Choice Plus> Plan w/ HRA: Step 1 BENEFITS How paying for network care works with an HRA Your deductible: Your HRA automatically pays for covered services first. If you spend all of your HRA, you’ll have to pay until you reach your deductible. Your deductibleYour HRA pays firstYou pay+ STEP 1 STEP 1 <Choice Plus> Plan with HRA

<Choice Plus> Plan w/ HRA: Step 1 Access Point BENEFITS How paying for network care works with an HRA Your deductible: You have to pay for covered services until you reach the HRA access point. Then your HRA will pay until you reach your deductible. STEP1Your deductible STEP 1 Your HRA pays first You pay You pay until you reach the HRA access point. + <Choice Plus> Plan with HRA

<Choice Plus> Plan w/ HRA: Step 1 Access Point + You Pay Again BENEFITS How paying for network care works with an HRA Your deductible: You have to pay for covered services until you reach the HRA access point. Then your HRA will pay. If HRA funds run out, you will pay again until you reach your deductible.Your deductibleHRA paysYou pay until you reach the HRA access point.You pay firstYou pay again + + STEP 1 <Choice Plus> Plan with HRA STEP 1

<Choice Plus> Plan w/ HRA: Step 1 50% share before deductible How paying for network care works with an HRA Your deductible: Your HRA will pay 50% of the cost of each covered service and you will pay the other 50% until the deductible is paid.BENEFITS STEP1Your deductibleSTEP 1Your HRA pays 50% You pay 50% + <Choice Plus> Plan with HRA

<Choice Plus> Plan w/ HRA: Step 2 How paying for network care works with an HRAYour co-insurance: After you reach the deductible, you share the costs with the plan. You can use an HSA to help pay your share . BENEFITS STEP2Your co-insurance STEP2 Your plan pays % You pay % + Your deductible STEP 1 Your HRA pays 50% You pay 50% + <Choice Plus> Plan with HRA

<Choice Plus> Plan w/ HRA: Step 3 How paying for network care works with an HRAYour out-of-pocket limit: When you reach the limit, you are done paying. The plan pays 100% of covered services.BENEFITS STEP3Your out-of-pocket limitYour co-insurance Your plan pays % You pay % + Your deductible You are done paying Your HRA pays 50% You pay 50% STEP 3 STEP 2 STEP 1 + <Choice Plus> Plan with HRA

Health Savings Accounts BENEFITS Your Health Savings Account (HSA) is a savings plan for health care you’ll need today, tomorrow and into the future. It’s a real bank account You don’t pay federal income tax on the money you deposit into it, and the money you use for qualified medical expenses. Your savings also grows tax free.You can build savings for retirementAnyone can contribute. No “use it or lose it” rule. You can invest savings.The money is there when you need itUse your UnitedHealthcare HSA MasterCard debit card to pay at the pharmacy, doctor’s office or at locations that accept MasterCard. Or save it, the money in your Health Savings Account is yours, so it stays with you if you change health plans, employers, or retire.

HSA Eligibility 2016 contribution limitsThe IRS limits how much you can put into your HSA each year. The 2016 limits are: $3,350 for individual coverage$6,750 for family coverageAre you 55 or older?You can put in an extra $1,000 this year. BENEFITS You must be eligible to open or fund a Heath Savings Account (HSA)You must be enrolled in a high-deductible health plan (HDHP).You cannot be covered by any other health coverage Unless it is permissible coverage like vision or dental.You cannot be enrolled in MedicareYou cannot be claimed as a dependent on someone else’s tax return.Some other restrictions apply. Please consult a tax, benefits, or financial advisor.

Optum Bank SM BENEFITS UnitedHealthcare’s preferred health care bankIs dedicated to helping people save for health care The national leader in HSA banking with more than a million account holdersOffers the convenience of banking through myuhc.com Open your HSA with Optum BankSM, Member FDICOnly Optum Bank lets you do your banking through your plan website, myuhc.com® or optumbank.comEasy online bill payment and reimbursementAn HSA MasterCard ® debit card to make it easy to payInvestment options to grow your retirement savings.Start by setting a savings goalThere are several ways to contribute to your account. Payroll deduction : Pre-tax dollars are taken out of your paycheck and deposited into your HSA. It’s the easiest way to build your savings. Electronic deposits : Transfer money to the HSA from another bank account.

Choice Plus Plan w/ HSA With the Choice Plus plan with HSA, you can use any doctor, clinic, hospital or health care facility. You can save money when you use a health savings account (HSA) and the network. Save money by staying in our network. If you go out-of-network, you’ll have to pay for all of the costs.There’s no need to choose a primary care provider (PCP) or get referrals to see a specialist. Consider a PCP; they can be helpful in managing your care. Preventive care is covered 100% in our network.BENEFITSChoice Plus Plan with HSACO-PAYMENT* PCP<$XX>Specialist <$XX>DEDUCTIBLE*[Self <$XXXX>[Family<$XXXX> CO-INSURANCE* <XX%> OUT-OF-POCKET LIMIT [Self <$XXXX> [Family <$XXXX> Paying for network care If you go out-of-network, your costs may be higher. Out-of-network providers can even bill you for amounts higher than what your plan will cover. For COVERAGE DETAILS , see your official health plan documents.

Navigate® Advanced Plan w/ HSA This plan requires you to select a PCP to help guide you through the health care system. Plus, you can save money when you use a health savings account (HSA). You need to select your personal PCP from the network. You need to get referrals to see a specialist.There’s no coverage if you go out-of-network or if you see a network specialist without a referral. You will be responsible for the entire cost of the service.Preventive care is covered 100% in our network. BENEFITSNavigate® Advanced Plan with HSACO-PAYMENT* PCP<$XX>Specialist <$XX>DEDUCTIBLE*[Self<$XXXX> [Family<$XXXX> CO-INSURANCE* <XX%> OUT-OF-POCKET LIMIT [Self <$XXXX> [Family <$XXXX> Paying for network care If you go out-of-network, your costs may be higher. Out-of-network providers can even bill you for amounts higher than what your plan will cover. For COVERAGE DETAILS , see your official health plan documents.

<Choice Plus> Plan w/ HSA: About HSA An HSA is a personal bank account to help you save and pay for your health care. It’s your money.There’s no “use it or lose it” rule and you get to keep it even if you change plans, change employers or retire. Set a goal, even a small one.Check with your employer to see if you can set up regular, pretax deposits through payroll deduction. [Open your account.Don’t leave money on the table. Open an account to make sure you get the money [your employer] is giving you.]BENEFITSQualified expenses: Doctor office visits Prescriptions Eyeglasses and contacts Dental care and braces Chiropractic services and more <Choice Plus> Plan with HSA

<Choice Plus> Plan w/ HSA: HSA Taxes Save on taxes.You don’t have to pay federal or, in most instances, state income taxes on your HSA deposits, qualified expenses and interest earned. The 2016 IRS HSA limits are:BENEFITS Open an account with Optum Bank.Individual$3,350Family$6,650 LEARN MORE and see if you’re eligible at welcometouhc.com</ xxxxxxxxx >. VISIT optumbank.com . <Choice Plus> Plan with HSA

<Choice Plus> Plan w/ HSA: Step 1 How paying for network care works with an HSA Your deductible: You pay for all services, including prescriptions, until you meet your deductible. You can use an HSA to help pay it.BENEFITS STEP1Your deductiblePay with your HSA or pay another way STEP 1 <Choice Plus> Plan with HSA

<Choice Plus> Plan w/ HSA: Step 2 How paying for network care works with an HSA Your co-insurance: After you reach the deductible, you share the costs with the plan. You can use an HSA to help pay your share. BENEFITS STEP2Your co-insuranceSTEP 2Your plan pays % You pay % + Your deductible Pay with your HSA or pay another way STEP 1 <Choice Plus> Plan with HSA

<Choice Plus> Plan w/ HSA: Step 3 How paying for network care works with an HSA Your out-of-pocket limit: When you reach the limit, you are done paying. The plan pays 100% of covered services.BENEFITS STEP3Your out-of-pocket limit STEP3You are done paying Your co-insurance STEP 2 Your plan pays % You pay % + Your deductible Pay with your HSA or pay another way STEP 1 <Choice Plus> Plan with HSA

Delete this slide before distribution Copy and paste slides from Chapter 5 into your Master Click on the first slide and then press shift while you click on the last slide Right click on the first slide and select copy Go to your Master (Chapter 1) Click below the thumbnail of the last slide in that section Right click there and select Copy—Use Source Formatting Whichever slides from Chapter 5 that do not apply to your customer’s needs, deleteThis ends Chapter 4 – CDH Plans Please open Chapter 5 – Pharmacy