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

Transcription

1 It s Your Health Plan. Make the Most of It. 3M Medical Plan Options 2013 health benefits

2 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 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) (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, or fax your member ID card. 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. Want more information? Look for the Find a doctor web tool video at bluecrossmn.com. 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.

3 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. 3M 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. 1

4 WHERE CAN I GO FOR CARE? National and international coverage The national BlueCard PPO network gives you innetwork 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 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 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 BLUE (2583) or collect at (804) 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) or toll free at during normal business hours. Outside of regular business hours call 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) or toll free at during normal business hours. Outside of regular business hours call BLUE (2583). Blue Distinction Centers for Specialty Care Blue Cross, the Blue Cross and Blue Shield Association* and other Blue plans have identified nationwide highquality 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) or toll free at during normal business hours Outside of regular business hours call BLUE (2583). *An association of independent Blue Cross and Blue Shield plans Note: Designation as Blue Distinction Centers means these facilities overall experience and aggregate data met objective criteria established in collaboration with expert clinicians and leading professional organizations recommendations. Individual outcomes may vary. To find out which services are covered under your health plan at any facilities, call the 3M member services number on the back of your member ID card. 2

5 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 No referrals to see specialists Worldwide coverage through the BlueCard network Health Savings Account (can be used to help pay for out-of-pocket costs on qualified medical expenses) 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 innetwork services. (This is a non-embedded deductible.) Coinsurance 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. Lifetime benefit maximum Online tools to help you manage your care and your account Blue Card PPO network providers file all claims for you HSA-eligible for additional tax savings advantages In-Network Out-of-Network* Individual coverage: 3M contributes an annual amount up to $600 Family coverage: 3M contributes an annual amount up to $1,200 $1,300 individual coverage $2,600 family coverage In-network expenses do not apply to the out-of-network deductible 90% for most covered services after deductible $2,600 individual coverage $5,200 family coverage Separate maximums apply for innetwork and out-of-network expenses Unlimited $2,600 individual coverage $5,200 family coverage Out-of-network expenses do not apply to the in-network deductible 65% for most covered services after deductible $5,200 individual coverage $10,400 family coverage Separate maximums apply for innetwork and out-of-network expenses 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 services 1 (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 inpatient 1 and outpatient Hearing aids and fittings 90% after deductible 65% after deductible 100% after deductible up to a maximum of $750 per year every 3 years Durable medical equipment 90% after deductible 65% after deductible Vision Prescription drugs (view 3M Preventive Drug List) 1 Pre-certification is required. Administered by Vision Service Plan (VSP). For more information, visit vsp.com/go/3m or call Administered by CVS/Caremark. For more information, visit caremark.com/3m or call 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. * 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.) This is only a summary. Read your Summary Plan Description for more information about what is and isn t covered. 3

6 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 No referrals to see specialists Worldwide coverage through the BlueCard network Health Savings Account (can be used to help pay for out-of-pocket costs on qualified medical expenses) 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 innetwork 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.) Coinsurance 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 visions expenses. Lifetime benefit maximum Online tools to help you manage your care and your account Blue Card PPO network providers file all claims for you HSA-eligible for additional tax savings advantages In-Network Out-of-Network* Individual coverage: 3M contributes an annual amount up to $600 Family coverage: 3M contributes an annual amount up to $1,200 $2,600 individual coverage $5,200 family coverage In-network expenses do not apply to the out-of-network deductible 90% for most covered services after deductible $5,200 individual coverage $10,400 family coverage Separate maximums apply for innetwork and out-of-network expenses Unlimited $5,200 individual coverage $10,400 family coverage Out-of-network expenses do not apply to the in-network deductible 65% for most covered services after deductible $10,400 individual coverage $20,800 family coverage Separate maximums apply for innetwork and out-of-network expenses 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 services 1 (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 inpatient 1 and outpatient Hearing aids and fittings 90% after deductible 65% after deductible 100% after deductible up to a maximum of $750 per year every 3 years Durable medical equipment 90% after deductible 65% after deductible Vision Prescription drugs (view 3M Preventive Drug List) Administered by Vision Service Plan (VSP). For more information, visit vsp.com/go/3m or call Administered by CVS/Caremark. For more information, visit caremark.com/3m or call 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. * 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.) This is only a summary. Read your Summary Plan Description for more information about what is and isn t covered. 4

7 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 No referrals to see specialists Worldwide coverage through the BlueCard network Annual deductible Does not include ineligible expenses, expenses in excess of the allowed amount, prescription or vision expenses. Coinsurance Annual out-of-pocket maximum Includes the annual deductible, copays and coinsurance. Does not allow ineligible charges, expenses in excess of the allowed amount, prescription drugs or vision expenses. Lifetime benefit maximum Online tools to help you manage your care and your account Blue Card PPO network providers file all claims for you In-Network $400 individual coverage $800 family coverage In-network expenses do not apply to the out-of-network deductible 90% for most covered services after deductible $2,100 individual coverage $4,200 family coverage Separate maximums apply for innetwork and out-of-network expenses Unlimited Out-of-Network* $800 individual coverage $1,600 family coverage Out-of-network expenses do not apply to the in-network deductible 55% for most covered services after deductible $4,200 individual coverage $8,400 family coverage Separate maximums apply for innetwork and out-of-network expenses Preventive care 100%, no deductible 55% after deductible Office visits 90% after deductible 55% 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 55% after deductible Inpatient hospital services 1 (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 90% after deductible and a $100 90% after in-network deductible and within 24 hours) copay 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 inpatient 1 and outpatient 90% after deductible 55% after deductible 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 Vision Prescription drugs 1 Pre-certification is required. Administered by Vision Service Plan (VSP). For more information, visit vsp.com/go/3m or call Administered by CVS/Caremark. For more information, visit caremark.com/3m or call 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. * 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.) This is only a summary. Read your Summary Plan Description for more information about what is and isn t covered. 5

8 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 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 3M 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 Preventive drug list The Prime Advantage and Choice Advantage plans are paired with the 3M 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 caremark.com/3m. 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 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. 6

9 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 innetwork 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. Pay your provider. 7

10 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, 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 it to a health care provider. This is where you ll see your health plan name. 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. 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 symbol indicates you can see any BlueCard PPO network provider nationwide or overseas. 8

11 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: 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 3M 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 highdeductible 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 Advantage Plans site. 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) (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 9

12 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 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. Be sure to enter your address by choosing Manage preferences in the member support area. This will help us get you information more quickly in the future. 10

13 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 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 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) or toll free at 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) or toll free at 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. If you are eligible, you will receive more information from Blue Cross about how to take advantage of this service. 11

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15 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. Find a provider You ll want to reference your benefit plan materials to see what network your plan uses. 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) or toll free at TTY toll free Monday Thursday 7 a.m. to 8 p.m. CT Friday 9 a.m. to 8 p.m. CT 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 You can also call toll free at BLUE (2583). HSA account administrator HealthHub, powered by PayFlex Toll free at M.healthhub.com Prescription drugs 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. BlueCard international provider network Sign in to mybluecross. Search Doctors & Hospitals and select BlueCard Worldwide. You can also call toll free at BLUE (2583) or call collect (804) Behavioral health care providers Call customer service at (651) or toll free at CVS/Caremark Toll free at caremark.com/3m Stop-Smoking Support Toll free at BLUE (2583) 24-Hour Nurse Advice Line (651) or toll free at Fitness Discounts mybluecross > plan details > Health Support Healthy Start Prenatal Support (651) or toll free at Vision Service Plan (VSP) Toll free at vsp.com/go/3m Discounted acupuncture, massage and health products mybluecross > plan details > Health Support * Vision Service Plan (VSP) is an independent company that does not provide Blue Cross products or services and is solely responsible for the administration of their vision services.

16 bluecrossmn.com/3m SM For the health of all. We re a health company that stands for the health of all. That means going beyond providing health coverage to deeply investing in programs and initiatives that build healthy cultures at home, at work and in the community not just for our members but for everyone. Blue Cross and Blue Shield of Minnesota is a nonprofit independent licensee of the Blue Cross and Blue Shield Association. X18890 (10/12)