Group Name Employer ID: CHO Plan Year: 01/01/2014-12/31/2014

1. Group NameEmployer ID: CHOPlan Year: 01/01/2014-12/31/2014 Presented By: Name Title

2. Getting Started: Enrollment presentations can be shown to employees to help explain how to use their Choice Strategies plan. • Before showing this presentation to employees, please customize it by finding and replacing the following: • Group Name: Group Name • Health Insurance Carrier: Carrier • Plan Year: 01/01/2014-12/31/2014 • Plan Start Date: 01/01/2014 • HRA Single Out-of-Pocket Responsibility: $$$$$ • HRA Family Out-of-Pocket Responsibility: $$$$$$ • HRA Single Funding: $ • HRA Family Funding: $$ • Carrier Single Deductible: $$$ • Carrier Family Deductible: $$$$ • FSA Maximum: $2,500 Instructions: Find and ReplaceDelete This Slide Before Presenting

3. Deductible: • Single: $$$ • Family: $$$$ Effective01/01/2014, Choice Strategies will be administering: • Health Reimbursement Arrangement (HRA) • Flexible Spending Account (FSA) • Dependent Care Account (DCA) Your Health PlanCarrier

4. Group Name’s HRA Plan: • Plan Year: 01/01/2014-12/31/2014 • BEFORE funds are available in the HRA for use, You must pay a portion out-of-pocket: • Single:$$$$$ • Family:$$$$$$ • AFTER you pay your out-of-pocket responsibility, The HRA reimburses up to: • Single: $ • Family:$$ Health Reimbursement ArrangementHRA

5. Group Name’s HRA Plan: • Eligible Expenses that apply to your Carrier deductible: • Office Visits • Hospital • Prescriptions • Outpatient • To activate the account once out-of-pocket portion has been satisfied: • Complete Employee Shared Responsibility Form and attach supporting documentation • Available under the “For Members” tab and “Forms” page on www.choice-strategies.com Health Reimbursement ArrangementHRA

6. 3 Month Run-Out Period You have 3 months after the plan year ends to submit all outstanding claims for expenses that occurred during the plan year Plan Year: 01/01/2014-12/31/2014 Reimbursement for these expenses must be submitted manually through the claim process during the Run-Out Period Do NOT charge your Choice Strategies Card for dates of service the occurred during a previous plan year. Example: Plan year ends on 12/31/13. You have until 3/31/2014 to submit manual claims for dates of service that occurred during the 2014 calendar plan year. End of Plan YearHealth Reimbursement Arrangement

7. You can elect to contribute up to $2,500 pre-tax • Plan Year: 01/01/2014-12/31/2014 • Contributed through payroll deductions • “Use it or Lose it” • Eligible Expenses: • Medical • Dental • Vision • Prescriptions • Limited Over-the-Counter (OTC) products Flexible Spending AccountFSA

8. 2 ½ Month Grace Period • You have 2 ½ months after the FSA plan year ends to use any remaining funds for expenses that occurred within the current plan year or during the grace period • Plan Year: 01/01/2014-12/31/2014 • You may use your card for FSA eligible expenses during the grace period for any expenses incurred between the beginning of your plan year and the end of the grace period • Example: Plan year ends on 12/31/13. You have until 3/15/2014 to use remaining FSA funds for dates of service that occurred during the 2014 plan year and through the Grace Period. End of Plan YearFlexible Spending Account

9. The FSA Carryover End of Plan YearFlexible Spending Account What is it? A provision for FSAs that allows up to $500 to carryover from year to year. Will the carryover amount effect the amount that can be elected pre-tax for the next plan year? No. So, if the carryover is $500 from a previous year, the available balance for the new year could be anything up to $3,000? Yes.

10. You can elect to contribute up to: • $2,500 if married, filing separate tax returns • $5,000 if single OR married, filing jointly Dependent Care AccountDCA • Plan Year: 01/01/2014-12/31/2014 • Contributed through payroll deductions • Pre-tax! • Pay as you go • You can only spend what you have contributed. • Eligible Expenses: • Custodial care of dependents while employee is at work

11. Employee SavingsExample Based on 13.34% Federal Income Tax, 7% State Income Tax, and 7.65% Social Security Tax Rate

12. MasterCard • Card activates upon first use • If balance available and any shared responsibility portions have been met • Employee and spouse automatically receive cards • Separate envelopes • Additional cards can be issued upon request • Swipe as CREDIT vs. Debit for convenience • If needed - PIN is accessible through Member Online Accounts under the My Card tab. Choice Strategies CardThe Facts

13. Using the CardMedical Providers You will receive an EOB from your Health Insurance and a doctors bill Health Insurance adjusts claim and generates Explanation of Benefits Present Your Health Insurance ID Card. Provider Will Submit Claim To Health Insurance Pay with your Choice Strategies Card! Complete Visit Do not pay on the date of service, wait until you receive the Explanation of Benefits from Carrier.

14. Using the CardPrescriptions Employee pays with Choice Strategies Card! Bring Rx to pharmacy. (Make sure updated Carrier information is on file) Doctor writes a Prescription (Rx) and gives to you. Pharmacist advises price of Rx. • IIAS (Inventory Information Approval System) • No Request for documentation on Rx charges if IIAS Approved Pharmacy is used. (List available on www.choice-strategies.com)

15. Online – Faster Reimbursement! • Login to your Online Account • Select “Submit a Claim” • Fill our required fields • Upload Supporting documentation • Select “Submit” • Email, Fax, or Mail • Fill out a Claim Form available under the “For Members” and “Forms” page on www.choice-strategies.com • Attach supporting documentation Submitting a ClaimNeed Reimbursement?

16. Group Name is required by Federal Law to substantiate all claims. • This means that purchases made with your Choice Strategies Card need to be supported with documentation Substantiation RequirementsDocumentation Requests Receipt Notification Process: • Employees are sent requests via mail or email to provide documentation on card transactions. • Supporting documentation requested may include: • Explanation of Benefits (EOB) • Rx Receipts • Provider Bills

17. Allows Choice Strategies to view your Explanation of Benefits from the online account with Carrier Substantiation ServiceFree and Voluntary Signing Up: • You must set up an online account with Carrier • Sign up for the Substantiation Service by provider yourCarrierUser ID and Password to Choice Strategies • Use the online HIPAA Release Form under the “For Members” section and forms page on www.choice-strategies.com To take advantage of our Substantiation Service, enroll online at: www.choice-strategies.com/substantiation-enrollment

18. Helpful Features! Check available balance Review transaction history Upload supporting documentation Verify the Choice Strategies Card status Update personal information Email, home address, phone number Submit claims online Reimbursement method Member Online Accountswww.choice-strategies.com Video tutorial available

19. Available For iOS and Android Mobile AppAccess Your Information on the Go! You Can: Check available balance Review transaction history Submit claims Upload supporting documentation Video tutorial available

20. Phone:888-278-2555(Option 2) We are Here to Help! Hours: Monday-Friday 8:00am – 8:00pm EST