Quicken Health Expense Tracker with Consumer Directed Health Plan feature

1. Quicken Health Expense Tracker with Consumer Directed Health Plan feature Coming soon

2. Overview • Available through myuhc.com, Quicken Health Expense Tracker is a new online tool that guides employees through their medical expenses. • Quicken Health Expense Tracker can help employees understand how much they owe and why so they can be sure they are paying only what they should • In the next few slides, you’ll see • Employee and Employer Benefits of Quicken Health Expense Tracker • Examples of how Consumer Directed Health Plan (CDHP) funds will be applied and tracked within Quicken Health Expense Tracker • Note: CDHP feature is under development; final design may differ by launch time

3. Quicken Health Expense TrackerEmployee Benefits • Provides step-by-step guidance so employees pay only what they owe • Health care terms and codes translated to everyday language • Claim details show step-by-step how employee responsibility is calculated • Automatically downloads and organizes employee and family health care expenses all in one place • Tracks health care expenses to better estimate future spending or how much to budget for an FSA/HSA account • Displays status for individual and family deductibles and out-of-pocket maximums • Simplifies tax time by automatically organizing and tracking total medical expenses • E-mail alerts when an insurance claim has an outstanding balance or needs other follow-up • Enables employees to act instantly on their health care bills – either pay online or get help on who to call and what to say

4. Quicken Health Expense TrackerEmployer Benefits • Greater employee awareness and transparency into costs • Provides visibility into employees’ total medical expenses • Gives the knowledge to make informed financial decisions which can lead to more accountability and lower costs • Supports greater employee responsibility • Offers guidance on how to take care of issues on their own, saving everyone time and money • Decreases time spent calling the health plan during work hours • More employee appreciation of their benefits • Shows both the employee’s costs as well as the total cost of health care expenses incurred • Leads to a better understanding and appreciation of the benefits you provide • Less employee frustration • Explains medical claims so employees understand how much they owe and why, so they never pay more than they should

5. Quicken Health Expense Tracker HomepageQuickly see what you need to pay attention to

6. Quicken Health Expense Tracker Claim DetailFor each claim, see what you owe after CDHP funds are applied In this example, the member has used up his HRA funds and can pay online to resolve the amount owed. *Starting in 2010, pay bills online *Note: CDHP feature is under development; final design may differ by launch time

7. Quicken Health Expense Tracker Expenses ListTrack how you’ve spent your CDHP funds Track your historical expenses to plan for the futuree.g., budget for FSAs *Note: CDHP feature is under development; final design may differ by launch time

8. For more information • Visit www.quickenhealth.com/UHC to: • Try the clickable traditional plan demo to see other Quicken Health Expense Tracker functionality • See additional Quicken Health Expense Tracker benefits • Contact your UHC account representative for the latest news on Quicken Health Expense Tracker