One guide to make shopping for health insurance simpler.

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1 So many ways into the complex health care system. One guide to make shopping for health insurance simpler. Individual & Family Health Insurance

2 simpler welc me to insurance shopping Open Enrollment Nov. 1, 2015 Jan. 31, 2016

3 We ve got you covered. We offer a variety of health insurance plans on the Individual Marketplace. Whatever plan you choose, you ll get great coverage and benefits, including: Checkups, flu shots & vaccinations. Top doctors, specialists, clinics & hospitals. Convenient locations. Prescriptions. Pre-existing conditions. 24-hour NurseLine SM. Online & mobile tools. Hospital & emergency care. Chiropractic care & more. Ready to sign up? Have questions? Visit uhc.com joinUHC call your broker visit accesshealthct.com

4 Three things to think about: coverage care cost Coverage Our health insurance plans cover things like: Essential health benefits: Doctor and specialist visits, hospital care, prescription drugs, pediatrics, lab tests and more. Preventive care: Annual checkups, flu shots, mammograms, special care for children and pregnant women and more.* Care We connect you with doctors, clinics and hospitals in your area. Have a favorite doctor or need to find one? See what doctors are in your network at uhc.com/docfind Need advice? Call our 24-hour NurseLine any day, any time. * As defined by the policy or state. Your plan documents will explain specific no-cost essential health benefits and preventive coverage and limitations. Get started: 1 Compare plans. 2 Pick a plan category. 3 Check Open Enrollment Nov. 1, 2015 Jan. 31, 2016

5 Cost You ll find a variety of health insurance plans to meet your budget needs. As you re comparing plans, look at the monthly premium, deductible, co-pays, co-insurance and out-of-pocket max. These work together to make up your total cost. Find out more at uhc.com Ways to save on your costs: Generic and mail-order drugs. Lower rates with network providers. Tax-advantaged health savings account. Connecticut residents can check their eligibility at accesshealthct.com Did you know? It s easy to manage your health insurance at home, at work or on the go with a personalized web site and mobile app. Children can stay on their parents health insurance plan until they re 26. You won t be turned down or charged more because of a pre-existing medical condition. Habla español? Get help in Spanish at prescriptions. 4 Sign up. Visit uhc.com, accesshealthct.com or talk to a broker. Ready to sign up? Have questions? Visit uhc.com joinUHC call your broker visit accesshealthct.com

6 In 2015, 87% of people qualified for a subsidy that saved them an average of $263 a month on a Marketplace plan. * Connecticut residents can check their eligibility at accesshealthct.com * Projected savings based on qualification for a federal tax credit subject to verification upon filing an individual s federal tax return. Marketplace selected plans with tax credits and these individual have post-tax credit premiums that were 72% (an average of $263) less than full premium, on average. See Health Insurance Marketplaces 2015 Open Enrollment Period: March Enrollment Report, March 10, 2015, Department of HHS. Actual savings may vary. Open Enrollment Nov. 1, 2015 Jan. 31, 2016

7 We re working hard to make it simpler to shop for health insurance. That s why more than 45 million people rely on UnitedHealthcare for their health insurance.* 3 What you need to sign up. When you sign up for a health plan on the Marketplace, you ll need the following: 3 Social Security number. 3 Income information (pay stubs, W-2s or tax statements). 3 Policy numbers for current health insurance, if you have it. 3 Proof of legal residency. Once you ve bought a health insurance plan, pay the first bill to complete your enrollment. * UnitedHealthcare serves 45 million domestically and internationally through its market facing business. Source: UnitedHealth Group 2014 Annual Report, pg. 6. Ready to sign up? Have questions? Visit uhc.com joinUHC call your broker visit accesshealthct.com

8 Shop now: Just looking? Ready to sign up? Open enrollment: Nov.1, Jan. 31, 2016 Work with us joinUHC TTY 711 uhc.com Work with your broker. Shop on your own. accesshealthct.com 2015 United HealthCare Services, Inc. The content provided is for informational purposes only and does not constitute medical advice. Decisions about medical care should be made by the doctor and patient. Always refer to the plan documents for specific benefit coverage and limitations or call the toll-free member phone number on the back of the ID card. For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call joinUHC and ask for a product brochure. Your plan documents will explain specific no-cost essential health benefits and preventive coverage and limitations. This communication is not intended, nor should it be construed, as legal or tax advice. Please contact a competent legal or tax professional for legal advice, tax treatment and restrictions. NurseLine SM is for informational purposes only. Nurses cannot diagnose problems or recommend specific treatment and are not a substitute for your doctor s care. NurseLine services are not an insurance program and may be discontinued at any time. Federal and state laws and regulations are subject to change. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Medical policy underwritten by UnitedHealthcare Insurance Company. UHCCT /15

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