Anthem’s Lumenos ® HSA Plan

Genesys Anthem’s Lumenos® HSA Plan Open Enrollment 2013

Using Anthem’s Lumenos® HSA Plan You have a high-deductible medical plan coupled with a Health Savings Account (HSA) • Fund your HSA through pre-tax payroll contributions or post-tax contributions (which are deductible when you file your taxes) • The money in your HSA can be used to pay for your medical care, including prescriptions, that goes toward satisfying your deductible • Once you’ve satisfied your deductible, the Anthem’s Lumenos with HSA plan’s Traditional Health Coverage component kicks in, which helps protect you against further health expenses—similar to a PPO

Anthem’s Lumenos® HSA Plan How It Works Preventive Care 100% In-Network • Stay healthy with Preventive Care coverage • You and your employer make contributions to your account to use toward your deductible and/or co-insurance • You can use your account dollars to pay for medical care and prescription drugs • Once you have satisfied your annual deductible, Traditional Health Coverage then covers additional expenses (similar to a PPO) • An annual out-of-pocket maximum protects you from large medical expenses HSA Funded by you and employer to help satisfy annual deductible and save for future medical expenses Annual Deductible Traditional Health Coverage

Well Baby Exams Well Child Exams Adult Exams Exams include immunizations and screenings. Anthem’s Lumenos® with HSA Plan Preventive Care* *These Preventive Health Guidelines reflect recommendations for individuals of average risk. Individuals who are higher-risk, including but not limited to those in certain racial/ethnic groups or with personal/family medical history, should check with their health care provider for preventive health guidance.

Anthem’s Lumenos® HSA Plan Anthem’s Lumenos® HSA Plan Details At-A-Glance

Using Anthem’s Lumenos® HSA Plan Meet Carol Lewis | Single Coverage Lumenos HSA- Standard Preventive Care 100% In-Network HSA $2,250 employee contribution $1,000 employer contribution Year 1 Annual Deductible$2,000Can be paid from HSA Traditional Health Coverage 10% In-Network Providers 40% Non-Network Providers

Using Anthem’s Lumenos® HSA Plan Meet Carol Lewis | Single Coverage Lumenos HSA- Standard Preventive Care 100% In-Network HSA $2,250 employee contribution $1,000 employer contribution Year 2 Annual Deductible$2,000Can be paid from HSA Traditional Health Coverage 10% In-Network Providers 40% Non-Network Providers

Using Anthem’s Lumenos® HSA Plan Meet the Wilsons | Family Coverage Preventive Care 100% In-Network HSA $200 employee contribution $2,000 employer contribution Year 1 Annual Deductible$3,000Can be paid from HSA Traditional Health Coverage 10% In-Network Providers 30% Non-Network Providers

Using Anthem’s Lumenos® HSA Plan Meet the Wilsons | Family Coverage Preventive Care 100% In-Network Year 2 HSA $200 employee contribution $2,000 employer contribution Annual Deductible$3,000Can be paid from HSA Traditional Health Coverage 10% In-Network Providers 30% Non-Network Providers

Using Anthem’s Lumenos® HSA Plan Using Your Plan to Get Care When you visit an in-network doctor: • Show your ID card at the time of service • Typically you pay nothing at the time of service. Your provider will file a claim • You will receive a Claim Recap showing the total cost and the “allowed” cost Your provider will then bill you for the “allowed” cost of the service(s) • If you have funds in your HSA you can pay your provider using your HSA debit card When you visit a doctor that is not in the network: • Show your ID card at the time of service • You may be asked to pay at the time of services • Use your HSA debit card to pay your provider for services (provided you have the funds available) • If your provider does not file a claim on your behalf, you will need to file a claim with Anthem Blue Cross to ensure expenses get applied towards your out-of-pocket. You can download a claim form at anthem.com/ca

Using Anthem’s Lumenos® HSA Plan Using Your Plan to Get Care When you visit a pharmacy: • Show your ID card at the pharmacy • Until you have satisfied your annual deductible, you will pay the full discounted cost of your prescription drug • You can pay for your prescription at the pharmacy using your HSA debit card as long as there are funds available in your account • Once Traditional Health Coverage begins, you pay the copay amount depending on the drug tier. • To get the lowest cost, visit our online health site to learn about generics or other low-cost alternatives Or order your prescriptions through home delivery: • Order a 90-day prescription drug supply • Take advantage of our ability to buy in volume and potentially save money • Download a home delivery form from anthem.com/ca and obtain refills by phone

Using Anthem’s Lumenos® with HSA Plan for Qualified Medical Expenses

Using Anthem’s Lumenos® with HSA Plan Covered and Qualified Medical Expenses For a complete listing of qualified medical expenses, visit www.irs.gov and search “Publication 502”.

Using Anthem’s Lumenos® with HSA Plan Using your Anthem’s Lumenos® HSA Plan to Pay for Non-Qualified Medical Expenses • Any amount you spend will be considered taxable income (you will have to pay taxes on the amount used), and you will have to pay a 20% penalty on the amount • Non-qualified expenses will not count toward your out-of-pocket responsibility under the Traditional Health Coverage • Once you are 65, you can withdraw the money without penalty, but it will be considered taxable income

Funding Your Health Savings Account (HSA)

The IRS and the U.S. Department of the Treasury have specific rules. You can open an Anthem’s Lumenos®withHSA if you: Are enrolled in the Anthem’s Lumenos® with HSA Plan, because it includes an HSA-compatible health plan Are a U.S. resident and not a resident of Puerto Rico or American Samoa Are not enrolled in Medicare Are not claimed as a dependent on another individual’s tax return Are not active military Others—refer to online health site FAQs About Anthem’s Lumenos® with HSA Plan Am I Eligible for the Anthem’s Lumenos® with HSA Plan? Note: You cannot open an Anthem’s Lumenos® with HSA if you have coverage under any other health plan that is not an Anthem’s Lumenos® with HSA-compatible health plan.

Funding Your HSA Making Contributions to Your HSA There are several ways you can contribute to your account: • Tax-free through payroll deductions • Post-tax by personal check • When you file your taxes, you can make an adjustment to your gross income to receive the tax benefit • You’ll receive deposit slips for your HSA in the mail • Anyone may contribute to your HSA, provided the total contributions to your HSA do not exceed your maximum allowable annual limit • $3,250 for individual coverage • $6,450 for family coverage • You can make catch-up contributions if you are 55 years of age or older ($1,000 for 2013)

Funding Your HSA HSA Tax Benefits • Contributions made via payroll deduction are pre-tax • Reduces your federal adjusted gross income (the amount you pay tax on) • Contributions made by personal check are post-tax • You will need to make an adjustment on your gross income when you file your taxes to receive the tax benefit If you use your HSA for a non-qualified expense (e.g. not covered services or qualified medical expenses), you will have to pay tax on the expense and are subject to a 20% penalty on the amount.

CDHP Results • CDHP consumers are more engaged in wellness programs* • 20% of CDHP consumers enroll in a smoking cessation program compared to 6% of non-CDHP consumers • 27% of CDHP consumers enroll in nutrition and diet programs compared to 12% of non-CDHP consumers • 29% of CDHP consumers enroll in exercise programs compared to 12% of non-CDHP consumers • CDHP consumers are more likely than non-CDHP consumers to research health information* • CDHP consumers are more likely to choose generic over brand-name prescription drugs** • CDHP consumers use more preventive services and are more aware of the tools and resources available to them** *Blue Cross Blue Shield Association: CDHPs: Consumer Perspectives, 2007 **WellPoint CDHP Member Engagement Study, 2008

Anthem’s Lumenos® with HSA Plan Post-Enrollment Communications

Anthem’s Lumenos® with HSA Plan Monthly Health Statement

Anthem’s Lumenos® with HSA Plan Claim Recap

Anthem’s Lumenos® with HSA Plan Monthly Consumer Tips—Sample Postcards sent to your home (or e-mail if provided) with wellness tips and smart ways to make the best use of your Consumer-Directed Health Plan.

Additional Benefits:Dental Complete & EAP

ANTHEM DENTAL COMPLETE STANDARD

ANTHEM DENTAL COMPLETE ENHANCED

Highlights of the plan • Your Dental Complete plan includes the following features: • Visit any licensed dentist or specialist you like- costs are usually lower when you choose one within our large network. • Separate Dental Complete ID card for all members on the plan • International Emergency Dental Program • Dental implants covered • Brush biopsy, for oral cancer detection • Total of two cleanings: (anytime of year; not spaced 6 months apart) • If pregnant or a diabetic can have 1 extra cleaning

How to Find a Provider Go to: www.anthem.com/ca/mydental Find Doctor (click on dentist) Select a Plan Select Specialty (General Dentist) Click Next Enter location criteria or look up by name 29

Employee Assistance Program

What is an EAP? • An employee assistance program (EAP) provides quick and easy access to confidential resources to help you meet the challenges you face daily.

What is an EAP? • Employer-sponsored program • Available to you and your household members at NO COST • 8 face to face sessions per each concern • Services are confidential • EAP representatives are available 24 hours a day, 365 days a year to assist you • Access services via phone or web

Confidentiality • Confidentiality is essential to your EAP. We make every effort to protect your privacy and abide by the legal and ethical requirements to maintain confidentiality.

Counseling • Relationship or family problems • Alcohol or drug abuse • Feelings of loss or grief • Depression or anxiety • Stress management • Times of crisis • Work issues

Providers • Clinical social workers • Professional counselors • Marriage and family therapists • Psychologists

Child care referral and resources • Adoption, pregnancy, and infertility • Child care and backup care • Child development norms • Resources for children with special needs • Summer camps and programs • Education issues and preparing for college • Before and after school programs

Navigating the elder care maze Housing options Caregiving issues Successful aging Adjusting to retirement Health concerns Adult day care Elder care referral and resources

Budgeting College funding and student loans Small business financing Divorce Insurance Financial consultation • Retirement • Financial planning • Credit and debt • Mortgages • Taxes

Online legal forms Personal business Civil or consumer issues Criminal matters Estate law Divorce and child custody IRS Personal injury Real estate issues Landlord/tenant issues Personal or family legal services Legal and mediation services

Parenting and child care Marriage and relationship concerns Health and wellness Finance/legal Adult care Online resources • Workplace issues • Education • Mental health • Daily life • Consumer education • Moving • Pet care

Call us! We can help. • Substance abuse • Relationships • Work issues • Emotional concerns • Elder or child care providers • Stress management • Financial and legal matters • Wellness and prevention

For assistance – day or night – simply call 1-800-999-7222. Or, you visit us on our website at:www.anthemeap.com Log in: GenesysWe’re here to help you!

360° Health® Surrounding you with the resources, tools, guidance and support to help you manage your health

Convenient tools that improve member health 360° HEALTH® TOOLS Symptom Checker MyHealth Assessment MyHealth Record Health Trackers Healthy Lifestyles Condition Centers WebMD Articles

360º Health® 24/7 NurseLine There for you and your family 24/7 Skilled Clinical Nurse team AudioHealth Library with 400+ health topics Bilingual nurses, language line and hearing-impaired services

360º Health® Future Moms Maternity Program Toll-free, 24/7 access to a registered nurse Assigned prenatal/postnatal nurse health coach, supported by on-site team of clinical specialists Useful tools to help you, your doctor and your Future Moms nurse track your pregnancy and identify possible risks Maternity web site with easy access to educational resources

360º Health® ConditionCare Multi-specialty team approach that includes registered dietitians, clinical social workers and pharmacists 24-hour, toll-free access to registered nurses to answer questions, provide support and education A health evaluation and consultation, as needed Educational materials on preventions, self-management and lifestyle factors that can help you improve your health, including condition-specific care diaries, self-monitoring charts, self-care tips and more PROGRAMS INCLUDE: Asthma (Pediatric and Adult) Diabetes (Pediatric and Adult) Chronic Obstructive Pulmonary Disease Heart Failure Coronary Artery Disease

360º Health® ComplexCare Personalized attention, goal planning, health and lifestyle coaching Resources to answer health-related questions for specific treatments Coordination of care between multiple providers and services Help in making informed decisions about health care

360º Health® • MyHealth Note • Specific actions you can take to improve your health • Recap of recent services and prescriptions • Reminders for routine tests and prescription refills

Other Resources Tools, information and savings at anthem.com/ca Click to View the Online Member Demo: http://www.anthem.com/ca/demo

Anthem’s Lumenos ® HSA Plan