Real world practical solutions designed with you in mind

1. Real world practical solutions designed with you in mind 2011 Benefits Overview HMO Plan

2. Overview of Health Products Health Options HMO Plan 10

3. Changes From 2010 Benefits • Changes to Benefits • Family Physician/PCP from $20 to $25 • In-Network Specialist from $35 to $40 • Pharmacy from $15/$40/$60 to $15/$45/$65 • Ambulance Per Day Air/Water from $4,000 to $10,000 • Changes to Benefit Maximums based on Health Care Reform • Hospice from $10,000 to No Limit • Home Health Care from $5,000 to 20 Visits • Outpatient Therapy and Spinal Manipulation (Rehabilitation) from $5,000 to 35 visits

4. Office Visits

5. Preventative Health

6. Hospital Services - Inpatient

7. Hospital Services - Outpatient

8. Mental Health/Substance Abuse

9. Out of Pocket Maximum

10. Pharmacy

11. Want to get the most out of your next doctor's visit? • The more you tell your doctor about your health concerns, the better he or she can prevent, diagnose, or treat any problems. Follow these tips to get the most from each doctor visit. • Preparing for your doctor's visit • A little preparation can go a long way, saving you time and money. • Be sure to check our online provider directory to see if your doctor participates in our network. Your cost will be lowest when you use a participating health care provider. • Write down your concerns and questions before your visit, and bring them with you. • Bring paper and pen to take notes. • Ask a family member or friend to come along. They can help you ask questions and understand the answers. • What Your Doctor Needs to Know • Be sure you cover these topics: • Let your doctor know of any health concerns you have–even sensitive subjects • Your symptoms, including when they began, how often they occur, how long they last, and whether they're getting worse • Services or tests other doctors have performed for you • All medications and supplements you take; bring a list or the actual products • Your family's medical history or know before your visit what language you prefer to speak or if you need an interpreter. • What You Need to Know Before you leave the doctor's office, you may want to ask • these questions: • What is my condition, and what caused it? • Which medications or other treatments do you recommend? How will they help? • Will there be any side effects? • Can lifestyle measures help my condition? • Should I avoid certain medicines, activities, or foods? • What kind of tests do I need–and why? • How soon will test results be available, and how will I get them? • If you don't understand an answer or feel concerned about it, speak up!

12. When you need to see a doctor right away… For non-emergency assistance—when you can’t get in to see your family doctor or don’t want to wait hours in the emergency room—urgent care centers are designed to provide prompt, quality service and help you save up to 50% on your out-of-pocket costs. • Urgent care centers are staffed with qualified doctors and nurses that can handle medical problems like cuts and colds, flu symptoms, minor fractures, sprains and burns, ear infections, allergic reactions, animal bites, sprains and even immunizations. • Most urgent care centers offer: Quality care and prompt service • Shorter wait times—compared to an emergency room • Weekend and after-hours care • Service without an appointment • Convenient locations • Check our online provider directory to find participating urgent care centers located near you. Keep the names and addresses in a convenient place should you need them in a hurry. • Serious injuries and emergencies • If you have a serious injury or require immediate attention due to shortness of breath, severe abdominal or chest pains, uncontrolled bleeding, loss of consciousness, changes in vision, severe vomiting or other emergency conditions, call 911 or visit the nearest hospital. • Be sure to contact your family doctor so that follow-up care can be scheduled, if necessary. • Help is a phone call away • If you have questions about a health condition or when to visit an urgent care center, you can speak to a Health coach by calling 1-877-789-2583.

13. Know about generics and how to get them… One of the easiest ways to save money is to use the generic version of a prescribed brand-name drug when one is available. Your cost will be lower without sacrificing quality. So if you are starting a new medicine or re-filling one, you may want to talk to your doctor, or have your pharmacist talk with your doctor, about whether a generic is available and right for you. • Check out this comparison chart and find generics using our online pharmacy tool. • Over-the-Counter options can lower your costs • Looking for ways to save money on medicine? There are other ways of filling the medicine cabinet without depleting your pocketbook. The key? Look for nonprescription, over-the-counter (OTC) medication. • Check with your doctor. An OTC may work for you. • OTC medication is medicine that can be sold without a prescription and is found on the shelves of stores like other packaged products. Many OTC medications are just as effective as prescription drugs. In fact, many OTC drugs were once available only with a prescription. These include popular pain relievers and allergy medications as well as drugs that fight ulcers, help you quit smoking, and more. Your doctor can tell you if an OTC medication can replace one of your prescriptions.

14. How to save on your next scan How to save on your next scan • Not all imaging providers charge the same for their services. For example, an independent imaging center may charge less than a hospital. To help you reduce your out-of-pocket costs, it pays to do a little legwork. • Here are some ways to make the most of your benefits and lower your costs: • Discuss your imaging options with your doctor. Are there other ways to diagnose your condition that are just as effective? • If your doctor recommends a CAT scan, PET scan, MRI, MRA or nuclear cardiology, ask where it will be performed. You’ll have lower out-of-pocket costs if you use providers and facilities that participate in your plan’s network. • To save even more money, ask your doctor if your test can be done at an in-network Independent Diagnostic Testing Facility (IDTF). Services at an IDTF generally cost less than the same services done in an outpatient hospital setting. • Use our online provider directory or call the number on your ID card to verify whether or not the providers and facilities participate in your plan’s network. • Ask your doctor to request a pre-service review for these procedures. That way, you’ll always know up front whether the service is a covered benefit. Please be aware that you may be responsible for the cost of procedures you receive that are not considered medically necessary. • Go to http://www.bcbsfl.com/HealthySavings/surgery/doctorSaysSurgery.html for additional information on healthy savings.

15. FAQ’s • Where can I go to get information about a claim? • Visit Claims under the My Benefits menu section to view and print details of your claims. • When I receive services outside the State of Florida, who submits the claim to BCBSF? • Under the BlueCard Program, if the physician or provider is participating in the Blue Cross and Blue Shield network in that state, they will reimburse the physician or provider for the services you receive and them submit claim to BCBSF for reimbursement. If you should receive a bill from the physician or provider, please contact Customer Service at 800-255-4908 for assistance. • What makes up Member Responsibility? • Member Responsibility is the out-of-pocket portion of a claim that a member is expected to pay. For example, deductibles, copayments, and non-covered services are Member Responsibility. • What if I have a question about a claim? • You can email us a question concerning your claim by selecting Ask a Question about this Claim at the bottom of the Claim Status Detail page. You will receive a reply in the Message Center or you may call us at 800-255-4908. • Do I have to submit claims? • Not if you choose a provider from within your plan provider network. Your provider should process all claim submission paperwork on your behalf. If you choose a provider outside the network, you may have to file claims for reimbursement. • Where can I find my Member Health statement? • Select Claims Statements under the My Benefits menu. • Where can I find my Explanation of Benefits statements? • These are located on your Claims Details pages. Select Claims under the My Benefits menu and locate the specific claim you are looking for. • What is an Explanation of Benefits statement? • An Explanation of Benefits (EOB) is a detailed statement that explains how we processed a medical claim based on your benefits plan. It shows how much was paid by your insurance plan, any out-of-pocket expenses that are your responsibility, and accumulation of deductibles. Depending on your plan, you may or may not receive Explanation of Benefits statements. • What is a Member Health statement? • A Member Health Statement is a detailed reference of finalized health and pharmacy claims activities for the preceding 28-days.  This statement allows members to track claims and reconcile provider balances and can be used as documentation for FSA, HRA and HSA accounts.

16. Things To Remember

17. Save Money • Use Health Options HMO doctors • Use Quest Laboratories • Stay in network using Online Provider Directory • Provide doctor and pharmacy your ID card • Log on to MyBlueService to view claims, benefit information, order new ID Cards and Member Handbooks • Call Customer Service when you have questions 800-255-4908

18. Creating Value for FCSRMC Members • BlueCard Outside State of Florida • Away From Home Care • Discount Programs Through Blue365 • MyBlueService • Health Dialog – 24x7 Nurse Advice • Care Coordinator – Nancy Nicholas • Prevention and Wellness – Better You From Blue

19. Conclusion BCBSF appreciates the opportunity to continue our partnership with FCSRMC and participating colleges. Thank you for your continued support.