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1 A NEW WAY TO ELEVATE YOUR WELL-BEING A new partnership between BCBSND and WebMD Health Services brings you powerful online tools and resources to help meet your wellness goals with a healthy dose of encouragement and fun along the way. The New Online Tools KNOW YOUR NUMBERS Health Assessment Personal Health Record Device and App Connection Center STAY MOTIVATED AND ENGAGED Mobile App Wellness Challenges WebMD Content *Rewards FIND COACHING AND ADVICE Digital Health Assistant Pregnancy Assistant Visit for Reward Details rewards matches your interests and lifestyle when you actively engage in healthy behaviors. Check the details in the homepage to start earning rewards. Get Started with the New Today 1 Sign into the online Member Services portal at BCBSND.com. 2 Complete the one-time Authorization for Release of Information - Wellness Programs, after which you ll be able to access directly from the portal. 3 Complete your annual 15-minute health risk assessment and receive your personalized wellness plan. *Rewards, when received as part of an employer s benefit offerings, are considered wages and are subject to federal income taxes, FICA taxes (Social Security and Medicare), federal unemployment taxes and W-2 reporting requirements.

2 What You ll Find on the New, Health Assessment In just minutes, the Health Assessment gives you a complete picture of your health. You ll get a health score, an anonymous average to compare yourself against and an easy-to-read indication of your overall health and fitness. Personal Health Record Use your Health Record to store, maintain, track and manage your health information in one centralized, private and secure location. Your information seamlessly connects to the whole wellness solution, including the Health Assessment and Digital Health Assistant. You can even report additional information yourself to support better treatment, benefits and decisions, and to make it easier for you to talk to your health care provider at any time you need to. Device and App Connection Center More than half of people who own wearable health and fitness devices stop using them. Why? Because most wearables deliver numbers out of context, and raw data is hard to translate into action. The Device and App Connection Center bridges that gap, allowing you to connect wearables, scales, apps and more with an easy-tounderstand dashboard that tracks key health and well-being indicators. WebMD Content There s no shortage of online health and well-being information, but how much time do you have to sift through it all? And how do you know if it s trustworthy? WebMD takes your input and preferences and does the upfront work for you, delivering clinically backed and easy-to-understand content that can help you meet your goals. Mobile App Access the best of our online wellness center from your mobile device using the Wellness at Your Side (WAYS) app. Wellness Challenges When you make getting healthy a group effort, it s more fun to develop healthy habits. Challenges get others around you involved and talking about progress, making wellbeing a natural part of your life. And best of all, you ll have a great time doing it. The mobile app makes it easy to track and upload activities anytime, anywhere and stay one step ahead of your competition. Pregnancy Assistant Through a focus on healthy lifestyle habits and prenatal care, Pregnancy Assistant helps you prepare for and enjoy a healthy pregnancy. With fun features, engaging tools and trusted health information, Pregnancy Assistant is everything an expectant mother could want. But it s not all medical capture your thoughts, feelings and memories in a journal, then export it all by to cherish later. Digital Health Assistant What do you want to do? Eat better? Feel happier? Stop smoking? Lose weight? Whatever your goal, can help you get there with enjoyable activities to help you develop habits that stick. By setting small, attainable goals, the Digital Health Assistant keeps you engaged and motivated to make progress. Achieve health success easier and faster. Blue Cross Blue Shield of North Dakota is an independent licensee of the Blue Cross & Blue Shield Association Noridian Mutual Insurance Company is part of a comprehensive health and wellness platform, BlueElements, which focuses on six dimensions of well-being physical, social, emotional, financial, professional and environmental. WebMD Health Services is an independent company that assists with the administration of BCBSND s health and wellness programs

3 HEALTH AND WELLNESS IN THE PALM OF YOUR HAND New to, a power-filled app from WebMD

4 SWIPE FOR HEALTHIER HABITS The new, powered by WebMD, brings you a new app to take charge of your health and well-being. Fully integrated with our online portal, this handy app lets you set lifestyle goals, track your progress and get personalized well-being recommendations. You re just a swipe and a touch away from starting and staying on your personal journey to being your best. Find the Wellness At Your Side widget within the Device and App Connection Center to activate on your iphone or Android! Blue Cross Blue Shield of North Dakota complies with applicable Federal civil rights laws and does not is part of a comprehensive health and wellness platform, BlueElements, discriminate on the basis of race, color, national origin, age, disability, or sex. This information is available which focuses on six dimensions of well-being physical, social, emotional, financial, in alternate formats, free of charge, by calling Member Services at (toll-free) or through professional and environmental. the North Dakota Relay at or 711. WebMD Health Services is an independent company that assists with the administration ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al of BCBSND s health and wellness programs (TTY: ). ACHTUNG: Wenn Sie Deutsch sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen zur Blue Cross Blue Shield of North Dakota is an independent licensee of the Blue Cross & Blue Shield Association Noridian Mutual Insurance Company Verfügung. Rufnummer: (TTY: )

5 HEALTH CLUB CREDIT Now part of the NEW rewards program, powered by WebMD Exercising at a health club not only provides physical activity, it nurtures your social and emotional health, too. Plus, earning gift cards helps your financial health. Read on to learn how the Health Club Credit (HCC) works. Beginning in 2019, Health Club Credit will come to you as points within your rewards account where you can redeem them for cash gift cards in the online wellness center. Health Club Credit is now a nine-month program with points awarded according to the schedule you see here. Exercise in: Jan Feb Mar Apr May Jun Jul Aug Sep See your points in: Feb Mar Apr May Jun Jul Aug Sep Oct Note: If there are any changes to your eligibility, please let your health club staff know. Also contact BCBSND because it may affect your credit eligibility. If you cancel your health club membership or become ineligible, or if the health club discontinues participation in the program, you may forfeit any unapplied credits. Q & A Q: How will I receive my Health Club Credit? A: Credit will be awarded as points within the online wellness center. Q: How many points will I receive for Health Club Credit each month? A: Visit an NIHCA participating health club 12+ days per month and you will be awarded 2,700 points ($27 value). Q: Why is Health Club Credit now a nine-month program? A: Wellness program rewards are considered taxable wages subject to employment taxes. Because we re required to report reward earnings to employers before the end of the year, we shortened the program. Participants earn more points each month to compensate for the shorter earning period. Q: Will I still get my November and December 2018 credits? A: Yes. In January they ll be credited to your 2019 rewards account. They ll also be reported with 2019 earnings once redeemed. Q: How do I access? A: Go to BCBSND.com to sign in or register for the new online Member Services portal. Once logged in, you will be directed to complete the annual Authorization for Release of Information - Wellness Programs. Upon completion of the Authorization, you ll be able to access directly from the portal. Q: How do I view/redeem points on? A: From the home page, you can click on either the Rewards tab located in the top navigation bar or the Get Rewarded icon. There you can check your balance and redeem your points for cash gift cards. Please note: Your gift card will begin to depreciate by $3.95 each month, after 6 months.

6 Q: How do I enroll in the Health Club Credit program? A: To get started, present your Blue Cross Blue Shield of ND (BCBSND) ID card to a NIHCA participating health club or online at nihcarewards.org where you will fill out a short enrollment form. You can also view your monthly health club submissions and make changes to your information after the initial enrollment. Q: Why am I required to provide my banking information if my credits are now being awarded as points? A: To administer the Health Club Credit, we partner with the National Independent Health Club Association (NIHCA). They administer fitness reimbursement programs for a wide variety of organizations across the country using the same enrollment system, which is universally programmed to require this field during the enrollment process. Q: Why does the health club need my BCBSND ID number? A: The health club needs a unique number to ensure that your workouts are credited to you. Q: I have a family or a dual health club membership. How will the workout be counted? A: Your workouts will be credited toward your unique number. To receive credit, you re required to work out at least 12 days per month. Q: I belong to a health club with multiple locations. Can I work out at any location and still have it count toward my 12 days per month requirement? A: Only workouts that take place in the location where you first enroll will count toward your monthly credit. Q: Is there a deadline to redeem my points? A: Yes. All points must be redeemed by Oct. 31, 2019, or they will be forfeited. Q: Am I eligible for this program even if I am already a member of a participating health club? A: Yes. Just let your club know you want to enroll, and they will walk you through the process. Q: What if I become ineligible for the Health Club Credit program? A: If you become ineligible for the Health Club Credit program, it also likely means that you are no longer eligible for rewards and you may forfeit any unredeemed points. If you know your eligibility status may be changing in advance, redeem any remaining points on as soon as possible. Regardless of eligibility status, all points must be redeemed by Oct. 31, 2019, or they will be forfeited. A new rewards program will begin again on Jan. 1, Q: If I miss one or two workouts one month, can I make them up the next month and still get reimbursed for the month I did not meet the requirement? A: No. The program only provides credits for months where you work out at least 12 days during the month. Q: What do I do if I didn t get my Health Club Credit points? A: Check with your health club or online at nihcarewards.org. Each month when the Health Club Credit file is processed, a report is generated that includes an Error Code Number and description. Common reasons for not receiving your credit: misspelled names, incorrect date of birth, failure to meet minimum visit criteria and no completed authorization on file. Blue Cross Blue Shield of North Dakota is an independent licensee of the Blue Cross & Blue Shield Association Noridian Mutual Insurance Company is part of a comprehensive health and wellness platform, BlueElements, which focuses on six dimensions of well-being physical, social, emotional, financial, professional and environmental. WebMD Health Services is an independent company that assists with the administration of BCBSND s health and wellness programs