Health Reimbursement Arrangement (HRA) for Medical and Prescription Expenses

1. Health Reimbursement Arrangement (HRA) for Medical and Prescription Expenses

2. Who We Are • ConnectYourCare is your healthcare account administrator. • Online account access • Health education tools • Healthcare payment card • Easy access to funds

3. 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

4. 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

5. Accessing Account Funds • 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)

6. Reimbursement Requests • Pay out of pocket for a qualified expense • Enter your claim online • View claim status online at any time • Receive reimbursement • Set up direct deposit for even quicker reimbursements

7. Saving Receipts • Name of the patient • Date the service was provided • Name of the service provider • Description of the service • Amount/cost of the item or service provided • Always save your itemized receipts!

8. Customer Service Available at All Times Best-in-class service to participant through multiple channels • Robust Online Portal (24 x 7) • Real-time account balances • Transaction history • Interactive Voice Response (24 x 7) • Account information • User name reminder or password reset • Mobile Technology • CYC Mobile: Secure, interactive mobile application for Android, iOS, and Windows devices • Mobile Browser: Streamlined version of participant portal for all smart phones • Mobile Alerts: Two-way texting for all text-enabled phones • Live Customer Assistance • Detailed questions or personal assistance • Trained in adjudication and call assistance

9. 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 medical or prescription expenses. Once your deductible is met, your health insurance pays per your Summary of Benefits.  Deductible Health Insurance

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

11. Substantiation Requirements • IRS requires all charges to be verified as an eligible expense • Some expenses are verified automatically • All others require itemized receipts • Healthcare payment card will be suspended if itemized receipts are not submitted

12. Automatic Substantiation • Some pharmacies automatically check your card purchases for eligibility • Limits the need to submit receipts • IIAS compliant pharmacies can provide auto substantiation • Visit www.connectyourcare.com/stores for a list of IIAS compliant pharmacies • Doctors’ offices, hospitals and other medical providers cannot provide auto-substantiation; receipts are required

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

14. Frequently Asked Questions • How will I be able to access my account funds? • You will receive a healthcare payment card from ConnectYourCare 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 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. • 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, 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.