HRA Overview

1. ConnectYourCare and Zions Bank’s Health Reimbursement Arrangement (HRA)for Medical and Prescription Expenses

2. HRA Overview

3. What is an HRA? • Your employer has established a Health Reimbursement Arrangement (HRA) to help cover your healthcare expenses. • This account limits your out-of-pocket healthcare costs and is a valuable benefit. HRA Your employer contributes to your HRA. Use your HRA funds for any qualified deductible expense. Once your deductible is met, your health insurance pays per your Summary of Benefits.  Deductible Health Insurance

4. Qualified Deductible Expenses • Doctor’s visits • Hospital stays • Prescription drugs • Outpatient procedures • Laboratory and X-ray fees

5. CYC and Zions Bank’s Services Overview

6. What Does ConnectYourCare Do? • Administer the HRA in accordance with IRS guidelines • Funds can only be used for eligible healthcare expenses • Documentation must be provided • Separate from your health insurance carrier • Provide a secure website to manage account • Provide a healthcare payment card for easy access to funds • Provide health education and information tools to enable you to be a smarter consumer of healthcare

7. Online CDH Portal • 24 x 7 real-time access to: • Obtain real-time account balances • Check transaction history on accounts – contributions and disbursements • Submit online request for reimbursement, check claim status, and view reimbursement schedule • Add/update personal and direct deposit information • Access a variety of health education and wellness tools

8. Health Education Tools • A variety of WebMD tools are available in the online portal. • WebMD Hospital AdvisorSM— Hospital information and rankings for specific procedures • WebMD Medication AdvisorSM— Information on less expensive prescription options • WebMD Treatment Cost AdvisorSM— Cost estimates on 350 of the most common medical conditions, tests, and procedures • WebMD Health TopicsSM— A to Z medical encyclopedia listing of over 1,500 ailments with information, treatment options, prevention, and more • WebMD HealthQuotientSM— State-of-the-art assessment tool that scores participants’ health status, calculates risk levels, and provides recommendations for health improvement and behavior change • Symptom Checker — Information about what medical symptoms could indicate and helpful facts before a doctor’s visit

9. Accessing HRA Funds: Option 1 • Healthcare Payment Card • Use it at healthcare locations where Visa is accepted • Use it for qualified healthcare items • Automatically records purchase online • Money comes directly out of your account • No need to pay upfront and wait for reimbursement • Cannot be used at ATMs • Multiple ConnectYourCare accounts are accessible with the same card (if offered by your employer)

10. Always show your insurance ID card! Accessing HRA Funds: Option 2 • RapidRequest- Pay out of pocket for a qualified expense and receive quick and easy reimbursement! • Visit the Claim Center • Enter new claim information • Print Claim Submission Form • Fax or mail form and documentation • You may view your claim status online at any time.

11. Submitting Itemized Receipts • Each bar-coded claim form is unique! • Submit Claim Form with receipts via • Fax • USPS mail • View the image immediately to ensure receipt. • Enter your direct deposit information online for faster reimbursement!

12. Customer Service Channels • Robust Online Portal • Real-time Account Balances • Transaction History • Interactive Voice Response • Account Information • User Name Reminder or Password Reset • Email • Interactive Communication Method • Limited to Basic Operations, Not Used for Personal Health Information (PHI) • Live Customer Assistance • Detailed Questions or PersonalAssistance • Representatives Trained in Adjudication and Call Assistance

13. Frequently Asked Questions • How much will be contributed to my HRA? • The annual contribution is determined by your employer. • How will I be able to access my account funds? • You will receive a healthcare payment card from Customer Service to access your HRA funds. You can also pay for eligible expenses with any other form of payment and request reimbursement from your account. • When can I request reimbursement from my account? • You have access to the account when your plan becomes effective. • How will I know if I need to submit a receipt to ConnectYourCare for substantiation? • If a receipt is needed, you will be notified by email or letter within a week of your payment card swipe. You can also check by logging into your account and visiting the Claim Center.

14. Frequently Asked Questions, continued •  What if I don’t submit my receipts? • You must provide the receipts within the time requested, or the transaction will be deemed ineligible, and you will be required to refund the amount of the transaction. If you fail to submit required receipts within 60 days, your payment card will be deactivated. If you fail to reimburse the account, the amount of the ineligible expenses may be added to your W-2 or withheld from your pay. •  What information is required on the receipts? • Documentation must include the following: • Name of person who received the product or service • Date of Service • Amount • Description of product or service • Credit Card Receipts and cancelled checks are not sufficient. Examples of acceptable documentation include Explanation of Benefits (EOBs), provider bills and pharmacy receipts.

15. Frequently Asked Questions, continued • What happens if I use the account for a non-eligible expense? • If you file a manual request for reimbursement, the request will be denied. If you used your healthcare payment card and the expense is deemed ineligible, you will be required to reimburse your account for that transaction. • When will I get my healthcare payment card? • You will receive your card in the mail about two to three weeks after the close of your enrollment period. The card comes in a white envelope. Your name and address will show through a window on the envelope. Along with the card, you will find information on how to use the card and how to gain access to your member portal. • How many healthcare payment cards will I get? • Each participant receives one card. You may order an additional card for your spouse or dependent through your online account or by calling customer service. When ordering a card in a spouse or dependent’s name, please be prepared to submit that person’s full name, date of birth and social security number.

16. Reasons to Love Your Account • Limited Out-of-Pocket costs - you can use your HRA to pay for any qualified deductible expense. • The online CDH Portal puts account and health information at your fingertips. • Your healthcare payment card makes it easy to access your account funds. • ConnectYourCare simplifies and speeds up the claims process—eliminating the need to mail in paper claims and decreasing the time for reimbursement.

17. Quiz • What is an example of a qualified HRA expense? • Where can you use your healthcare payment card? • Do you still need to send receipts when you use your card? • Is a credit card receipt sufficient documentation? • If you forget to use your card, can you still request reimbursement? • Where can you buy prescriptions without being required to submit receipts?