Simple. Personal. Empowering.

Transcription

1 2016 Benefits Simple. Personal. Empowering. Understanding your UnitedHealthcare Medical Plans offered by Marsh & McLennan Companies.

2 Agenda 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 2 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

3 What s New for 2016 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 3 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

4 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. 4 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

5 2016 Plan Design Options (Non-HSA) 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% IN: 80% OON: 60% Office Visit Preventive Office Visit Primary Care Office Visit Specialist Outpatient Surgery Hospital IN:100%, no deductible OON: 60%, after deductible IN: $15 copay OON: 60%, after deductible IN: $30 copay OON: 60%, after deductible IN: 80%, after deductible OON: 60%, after deductible IN: 80%, after deductible OON: 60%, after deductible IN:100%, no deductible OON: 60%, after deductible IN: 80%, after deductible OON: 60%,after deductible IN: 80%, after deductible OON: 60%, after deductible 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 5 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

6 2016 Plan Design Options (HSA) 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 Office Visit Primary Care Office Visit Specialist Outpatient Surgery Hospital IN: 100%, after deductible OON: 60%, after deductible IN: 80%, after deductible OON: 60%, after deductible IN: 80%, after deductible OON: 60%, after deductible IN: 80%, after deductible OON: 60%, after deductible IN: 80%, after deductible OON: 60%, after deductible IN: 100%, no deductible OON: 50%,after deductible IN: 70%, after deductible OON: 50%, after deductible IN: 70%, after deductible OON: 50%, after deductible IN: 70%, after deductible OON: 50%, 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 6 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

7 Preventive Care Preventive vs. Diagnostic Preventive Care Diagnostic No symptoms, illness, or history prompting the screening In accordance with age and gender guidelines Symptoms require further diagnosis Previous abnormal test results prompt earlier or more frequent screenings Previous abnormal test results prompt rescreening. 7 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

8 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. 100% coverage. 8 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

9 New Call Center Philosophy 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 9 Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

10 Call Center Overview 1 Convenient You connect with an Advocate in the way you most prefer phone, and more Personalized Through our exclusive Predictive Personalization, we use data, analytics and technology to provide a personalized experience for each individual. 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 Accountable Each Advocate is responsible for following through to personally see that each inquiry is resolved. 10 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

11 KEY FEATURES OF THE NETWORK Key Features of the Network 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 preauthorization by UHC. Source: UnitedHealthcare Network and national network data provided by Strenuus and industry standard access requirements for hospitals and primary care physicians, May Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

12 UnitedHealthcare Networks Passport Connect with Harvard Pilgrim Residents of MA, ME or NH ( Harvard Pilgrim Network Area) 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 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. 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 Search for a doctor or hospital at 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 12 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

13 Virtual Visits Virtual visits benefit Virtual visits network Doctor on Demand AmWell Virtual visits access Deliver consistency with flexibility around technology, credentialing and billing standards 13 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

14 How to Find a Network Doctor or Hospital Search for a doctor or hospital at 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 14 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

15 Promoting Quality & Affordability 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 15 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

16 Myuhc.com 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 16 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

17 myhealthcare Cost Estimator myhealthcare Cost Estimator is your personalized online tool to make more informed health care decisions 1 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. 3 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. 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. Confidential Property of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

18 HEALTH4ME Health4Me 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 18 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

19 HAVE MORE QUESTIONS? Learn more: am 8pm 19 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

20 Thank you! TRAINING MODULE 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 United HealthCare Services, Inc.

21 What You Need to Know About Your Prescription Drug Benefit Administered by Express Scripts 2016 Benefits 21

22 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. 22

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 Concerns 23

24 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 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. 24

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 hours a day, 7 days a week except Thanksgiving and Christmas. Log on to Express-Scripts.com and register. 25

26 What You Need to Know About Your 2016 Prescription Drug Benefit Administered by Express Scripts October

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. 27

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 Concerns 28

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 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 card to your local pharmacist. 29

30 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 hours a day, 7 days a week except Thanksgiving and Christmas. Log on to Express-Scripts.com and register. 30

31 The Features of Your Prescription Drug Benefit 31

32 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 nonformulary 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. 32

33 How much you will pay toward your prescriptions under the $350 or $800 Deductible Plans: Participating Retail Pharmacies (30 day supply) Retail Generic Retail Formulary Retail Non-Formulary $350 Deductible Plan $10 $30 $60 $800 Deductible Plan 30% (min. $10/ max. $20) 30% (min. $25/ max. $50) 45% (min. $40/max. $80) Express Scripts Mail Order Pharmacy (up to a 90 day supply) Mail Generic Mail Formulary Mail Non-Formulary $350 Deductible Plan $25 $75 $150 $800 Deductible Plan 30% (min. $25/max. $50) 30% (min. $62.50/max. $125) 45% (min. $100/max. $200) 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. 33

34 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 IN NETWORK Single / Family OOP amounts OUT OF NETWORK Single / Family OOP amounts $350 Deductible Plan Single -$2000 Family -$4000 Single - $4000 Family -$8000 $800 Deductible Plan Single-$2400 Family -$4800 Single - $4800 Family -$

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%. 35

36 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 OUT OF NETWORK Single / Family OOP amounts $1,500 Deductible Plan Single-$1500 / Family-$3000 Single-$3000 / Family-$6000 Single-$3000 / Family-$6000 Single-$6000 / Family-$12000 $2,850 Deductible Plan Single-$2850 / Family-$5700 Single-$5700 / Family-$11400 Single-$5500 / Family-$11000 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 all subsequent fills. 36

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 After Express Scripts receives the necessary information, you and your doctor will be notified confirming whether or not coverage has been approved. 37

38 Making the Best Use of Your Benefit 38

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 innetwork 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 Call Member Services at

40 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 Call Member Services at

41 Getting Started with 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. Its easy to get started with mail service eprescribe Physicians can eprescribe prescriptions directly to the Express Scripts Pharmacy Web/Mobile App Savings opportunities called out on the dashboard Patients can request prescription transfers with a click of a button Member Services Member services can transfer an existing prescription Mail in your prescription 41

42 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 By mail: Mail in your refill slip (included with your last prescription order) Express Scripts Mobile app Refills for long-term prescriptions filled at retail can be transferred to the Express Scripts Pharmacy at Express-Scripts.com 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 42

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

44 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 brandname 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: Accessed 7/19/12 44

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 a brand-name drug to a generic drug. 45

46 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 And so much more! 46

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. 47

48 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. 48

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 more. 49

50 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 , 24 hours a day, 7 days a week except Thanksgiving and Christmas. MMC representatives cannot answer Rx specific questions. Visit during annual enrollment, to compare drug prices within the different plans as well as see details of each plan. *A prescription number is not required to register on this site. 50

51 Questions and Answers For privacy purposes, please refrain from asking questions that are specific to medications that you or a family member may be taking. 51