Exclusively for Health Advocate Members. All-in-1 Benefit. Benefits Gateway Personal Dashboard Healthcare Help Wellness Support EAP+Work/Life

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1 Exclusively for Health Advocate Members All-in-1 Benefit Benefits Gateway

2 Benefits Gateway Connect to the right benefit Welcome to HealthAdvocate Health Advocate is a service provided by your employer or plan sponsor, at no cost to you, featuring: Benefits Gateway We look forward to serving you. Just Make One Call Single, toll-free number to call Expert quickly guides you to the right employeerelated benefits Streamline access to all benefits, including medical, dental, vision, pharmacy Advice on how to make the most of your benefits Get answers to benefits questions What is the Benefits Gateway program? The Benefits Gateway program allows you to quickly reach any of your health and employee-related benefits through a single, toll-free number. A Personal Health Advocate (PHA) benefits expert will guide you to the appropriate benefit. When is it available? You can access the program 24/7. Normal business hours are Monday-Friday, between 8 am and 9 pm Eastern Time. After hours and during weekends, staff is available for assistance. What does it do? Through a single number, you can connect to any of your benefits, including medical, dental, vision and pharmacy, at any time. A Personal Health Advocate, knowledgeable about your employee benefits, will make sure you get to the right service provider, quickly and efficiently. How does it work? Just call the toll-free number. Your Personal Health Advocate will listen to your needs, answer any questions and put you directly through to the benefit you need. Your PHA can also help you take full advantage of your benefit programs, to help you save money and make better healthcare decisions. At any time, you can call the same number and be assigned a Personal Health Advocate for one-on-one help to resolve a healthcare or insurance-related issue. Who can use it? The Benefits Gateway program is available to you, your spouse, dependent children, parents and parents-in-law.

3 KEY MEMBER ALERTS FIRST NAME JAMES LAST NAME SMITH EFFECTIVE DATE OF BIRTH 05/10/1955 TYPE CARRIER Medical BCBS IL Health Spending Signal Rx Caremark Advocacy Health Advocate Wellness XYZ Disease Management ABC Dental Delta EAP HMS Not sure what resources to use? CALL: NAME SPECIALTY PHONE LAST VISIT Primary Dr. Jones CARDIO Dr. Andrews ENT Need Help Finding a Physician CALL: (Click location for directions) Rockford Mini Clinic 24 Hour Care 15 Amsterdam Avenue 5 Hanover Lane New York, NY New York, NY Rx GENERIC vs. BRAND TYPE PHYSICAL AND EYE EXAM RECOMMENDED CARE Colonoscopy HbA1c Test Eye Exam HEALTH RISK (Click spotlight for details) COLONOSCOPY SMOKING Colonoscopy Reminder Sent: HbA1c Test Reminder Sent: HRA Status Completed PROGRAM AVAILABLE FEBRUARY FEBRUARY APRIL Diabetes YES NO Smoking YES NO Weight YES YES ACTION REQUIRED DIABETES EARLIEST EXAM DATE Would you like Health Advocate to schedule an appointment? CALL: (Click to view reminders) PARTICIPATION IN PROGRAM Would you like to participate in a health risk program? CALL: DRUG BRAND OR GENERIC BRAND GENERIC COST COST MAIL ORDER Alli Brand $95 $40 N/A Welchol Brand $200 $75 N/A Colesevelam Hcl Generic $50 YES Contact Health Advocate if you need assistance CALL: (Click on thumbnail to view chart) BLOOD PRESSURE WEIGHT ASTHMA Peak Expiratory Flow Incurred... $30,000 Member Paid... $3,000 Employer Paid... $27,000 Financial tips and information CLICK HERE UTILIZATION Total Calls... 3 See how Health Advocate can better serve you CLICK HERE ONE TIP AT A TIME Diabetes: Keeping Your Blood Sugar at a Healthy Level. Read Article DIABETES Blood Glucose Feature 2 Online tool to better manage your health Information to Benefit You View a detailed screen shot of your own personal health information and get answers to your questions. Your customized screen displays: Health Advocate Benefits Gateway Health Information Dashboard GENERAL INFORMATION HEALTH RESOURCES DOCTORS URGENT CARE CENTERS 2011 Health Advocate, Inc. Privacy and Security Statement Scrolling text window containing updated health information, precautions and plan guideline changes that may affect you and your family.? SPOTLIGHTS? PRESCRIPTIONS!???? PERSONAL MESSAGING CENTER PERSONAL HEALTH PROFILE Benefits and insurance plans Doctor information Nearby urgent care centers Medication options Alerts of health risks Advised preventive care Employer-sponsored programs Section to track blood pressure, weight, etc. Health spending! XYZ Company Member Screen PERSONAL TRACKERS TOTAL MEDICAL COSTS HEALTH ADVOCATE MEDICAL TIPS? Information as of: 3/30/11 What is the Personal Health Information Dashboard? This online Dashboard provides quick access to your important health information, all in one place. Based on information supplied by various benefit providers, the Dashboard can help you take better control of your health and lower your costs. When is it available? The Dashboard is available to view 24/7. It is frequently updated. What does it do? You ll instantly see your doctor information, alerts about your health risks, tests that are due, actions you need to take and more. You ll also find cost-saving measures such as using an urgent care center instead of an ER for minor, everyday ailments. You can always contact a Personal Health Advocate through the Dashboard or the Health Advocate phone number for any questions. Your PHA has a similar screen and can help find in-network doctors, make appointments, ensure that your insurance covers the testing facilities and more. How does it work? Simply go to HealthAdvocate.com/members and log in, using your employer information. To register, create your user name and password. On the Welcome page, click on Personal Health Dashboard and then View. The screen is customized based on your health status. It is private, secure and no one else can view it. Who can use it? The Dashboard feature is available to all eligible employees, your spouse and dependent children. Parents and parents-in-law will not have access to the Dashboard feature.

4 Feature 3 Assistance resolving healthcare-related issues Your Personal Health Advocate can help you and your family: Find the right doctors, hospitals Schedule tests, appointments Locate eldercare services Secure second opinions Untangle claims Correct billing errors Navigate your insurance plan Explain conditions, treatments Help you make informed decisions What is? The feature provides personalized assistance to help you and your family navigate the complexities of the healthcare system. When is it available? You can access the program 24/7. Normal business hours are Monday-Friday, between 8 am and 9 pm Eastern Time. After hours and during weekends, staff is available for assistance. What does it do? A Personal Health Advocate can help you with a full range of healthcare and insurance-related issues to save you time, money and worry. How does it work? If you have a healthcare or insurance-related issue, call our toll-free number. You ll be assigned a Personal Health Advocate, who works with you one-on-one to find solutions to time-consuming issues, such as sorting out billing concerns, finding qualified doctors, transferring medical records, finding eldercare and more. Our Health Cost Estimator service offers the average estimated costs of common medical procedures. Call us and we can give you the cost information you need, so you can make an informed decision. Who can use it? The feature is available to you, your spouse, dependent children, parents and parents-in-law.

5 Don t Know Where to Turn? We point the way Find the right doctors, dentists, specialists and other providers Schedule appointments, arrange for special treatments and tests Locate the right treatment facilities, clinical trials Answer questions about test results, treatments and medications Research and locate newest treatments; secure second opinions Help transfer medical records, X-rays and lab results Confused by Health Insurance? We cut through the red tape Explain coverage stipulations, alternatives for uncovered services Get appropriate approvals for covered services Address coverage for simple and complex treatments Overwhelmed by Medical Bills? We go to bat for you Uncover mistakes Get cost estimates for medical services Supply providers with required information to pay a claim Get to the bottom of coverage denials Advise about appeals rights Address any doctor, dental, hospital bill Billing and claims experts negotiate fees Interact with doctors and other providers Make payment arrangements Need Eldercare and Caregiver Services? We ease your burden Find in-home care, adult day care, assisted living, long-term care Clarify Medicare, Medicaid and Medicare Supplemental plans Coordinate care among multiple providers Research transportation to appointments

6 Feature 4 Helping you make healthy changes Our Wellness program helps you every step of the way to: Choose your own online Wellness Workshops Learn self-guided ways to make healthy changes Use food logs, trackers, planners Determine your risk profile Set and stick with health goals Attain easy-to-read, reliable information Access powerful, interactive, online health tools 24/7 Ensure full privacy protection What is the Wellness program? The Wellness program offers a comprehensive, convenient website with a range of online health tools to help you reach your personal health goals. The selfguided Wellness Workshops help you make healthy behavioral changes in seven different areas. Additional online health tools help you track and analyze your fitness, nutrition and wellness data to better manage your health. When is it available? The Wellness website s online health tools are available to you 24/7. What does it do? The Wellness program is customized to help you reach your personal goals, such as weight loss, eating better, maintaining exercise or reducing stress. You can choose one or several Wellness Workshops which offer weekby-week, interactive steps to follow at your own pace. The Health Risk Assessment tool gives you a profile of your health risks; goal trackers help you track your progress; and the MedChoice Support tool helps you weigh medical care options. How does it work? You can activate your Wellness program by logging on to the website: HealthAdvocate.com/members. The online health tools are available on the website. Who can use it? The Wellness program is available to you, your spouse and dependent children age 18 and over.

7 How does the Wellness program work? It starts when you go to HealthAdvocate.com/members Your password-protected login leads you to a Wellness menu where you can access all your Wellness tools. You ll first be prompted to provide personal information related to your Wellness goals. This helps create your customized Dashboard home page, showing all the tools that help track and analyze your health, fitness and nutrition data. Accessible links help you make a Wellness plan. Wellness Workshops Choose self-guided, online Wellness Workshops for step-by-step support in seven areas including: exercise, nutrition, weight management, diabetes prevention, stress reduction and more. Health Risk Assessment An online, confidential questionnaire that gives you a profile of your health risks, along with recommended activities to reduce risks. Health Information Look up a disease, the latest medical news and more. Health Trackers Track your food intake and exercise as well as blood pressure, weight and more. Meal and Exercise Plans and Logs Use these tools to meet your health goals. MedChoice Support Comparative tool helps you choose the right care options for you. Activate Your Wellness Program Go to: HealthAdvocate.com/members If you need assistance: just call

8 Feature 5 Assistance and resources for real support Employee Assistance Program (EAP) Talk to a certified counselor to learn coping skills. You may be referred to the appropriate professional for in-depth, long-term help. Your counselor can address: Stress, depression, anxiety Marital relationships, family/parenting issues Work conflicts Anger, grief and loss Drug and alcohol abuse Work/Life Our Work/Life specialists find supportive services, check availability and make the referrals to help with: Eldercare, childcare Legal concerns Financial issues What is EAP and Work/Life? The EAP and Work/Life program is a comprehensive program designed to help you lead a happier and more productive life at home and at work. All of us have experienced some type of personal problem, concern or emotional crisis at one time or another. Balancing the needs of work, family and personal responsibilities isn t always easy. Our program offers the right support at the right time. When is it available? The program is available 24/7. What does it do? The EAP and Work/Life program provides a professional counselor to listen and 1) help define the problem clearly, 2) assess the type of help needed, and 3) either provide the required help or make the most appropriate, cost-effective referral for you. How does it work? Simply pick up the phone and dial (toll-free) and talk to a counselor or visit online at HealthAdvocate.com/members to access the EAP and Work/Life services. Who can use it? The EAP and Work/Life program is available to you, your spouse, dependent children, parents and parents-in-law. Time management Parenting Adoption and more

9 Search Provider Databases Find a range of resources including childcare, eldercare, parenting and volunteering Learning Center Health and Lifestyle Information Get practical tips, facts, articles and interactive personal plans in these and other categories Wellness, health and behavior Personal development Mental health Parenting, childcare and aging Skill Builders Build your knowledge and skills in these areas Workplace stress Career development Anger management Personal financial planning Relocation Center Get valuable information about your new community Local schools, hospitals, houses of worship Neighborhood demographics Real estate agents; mortgage applications Legal, Financial and Identity Theft Assistance Find out what you need to know Real estate issues Criminal matters Estate planning Debt management, budgeting Retirement strategies Fraud recovery specialists to help with identity theft

10 Summary of Features Benefits Gateway Connect to the right benefit. Just one number is all it takes Quickly reach all of your benefits, including medical, dental and pharmacy. A benefits expert can guide you to the benefit you need. Instant, online health profile. Snapshot view to take control View a detailed screen of your health information including benefits, doctors and recommended tests and screenings to better manage your health and lower costs. Get the right answers. We ll stay with you all the way A Personal Health Advocate will help resolve your healthcare and insurance-related problem, no matter how complicated. Start using it today. Go to: HealthAdvocate.com/members Take the Health Risk Assessment An online, confidential questionnaire that gives you a summary of your risks for leading diseases, along with suggestions for reducing those risks. Real support when you need it. We re always here Get short-term assistance to help you cope with personal, family and work issues, and the right resources to better balance your work and life. Emergency help is available 24/7 Always at Your Side We re here when you need us most Your Health Advocate benefit can be accessed 24/7. Normal business hours are Monday-Friday, between 8 am and 9 pm Eastern Time. After hours and during weekends, staff is available for assistance. There is no cost to use our service Your employer or plan sponsor offers your Health Advocate benefit at no cost to you. We re not an insurance company We don t replace your health insurance plan. Instead, we help with your healthcare and insurance-related problems. Your privacy is protected Our staff follows careful protocols and complies with all government privacy standards. Your medical and personal information is strictly confidential. Independent. Confidential. Convenient. Health Advocate is not affiliated with any insurance or third party provider. Health Advocate does not replace health insurance coverage, provide medical care or recommend treatment.

11 Easy to Reach Just make one call Send us an . Visit us on the internet. HealthAdvocate.com/members

12 2011 Health Advocate, Inc. HA-CWEGM BRO

13 Member Wallet Cards

14 Member Wallet Cards Just Make One Call Connect to the Right Benefit Benefits Gateway 2011 Health Advocate, Inc. HA-CWEGM BRO Just Make One Call Connect to the Right Benefit Benefits Gateway 2011 Health Advocate, Inc. HA-CWEGM BRO Just Make One Call Connect to the Right Benefit Benefits Gateway 2011 Health Advocate, Inc. HA-CWEGM BRO Just Make One Call Connect to the Right Benefit Benefits Gateway 2011 Health Advocate, Inc. HA-CWEGM BRO Just Make One Call Connect to the Right Benefit Benefits Gateway 2011 Health Advocate, Inc. HA-CWEGM BRO