2018 PRODUCTS AT A GLANCE INDIVIDUAL, SMALL AND LARGE GROUP

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2018 PRODUCTS AT A GLANCE INDIVIDUAL, SMALL AND LARGE GROUP This Summary is intended only to highlight the benefits provided by MHP and should not be relied upon to fully determine coverage.

1 2018 PRODUCTS AT A GLANCE INDIVIDUAL, SMALL AND LARGE GROUP This Summary is intended only to highlight the benefits provided by MHP and should not be relied upon to fully determine coverage. This health plan may not cover all health care expenses. Please refer to the MHP Certificate of Coverage for a complete listing of covered services, limitations and exclusions, and a description of all the termas and conditions of coverage. If this description conflicts in any way with the policy issued to the enrolling group, the policy will prevail. For answers to questions about information that appears in the summary, call Customer Service at (888)

2 2018 McLaren Health Plan (MHP) HSA Off Exchange Product Information Bronze HMO HSA The MHP High Deductible Health Plans utilize the MHP Community Network of providers. These plans are HSA (Health Savings Account) compatible plans. 0% Covered 100% Covered 100% Young Adult/ Catastrophic 2018 McLaren Health Plan (MHP) Young Adult/Catastrophic On and Off Exchange Product Information MHP Young Adult/Catastrophic Plans utilize the MHP Community Network of providers. $7,350 $14,700 Two or 0% $7,350 $14,700 Two or Covered 100% Covered 100% Ind HSA_YA

3 2018 McLaren Health Plan (MHP) On and Off Exchange Product Information MHP Silver Standard MHP Standard Plans utilize the Commercial Network of physicians. A referral is not required to see specialists, however some services require pre-authorization. Only available off the exchange. 30% $7,350 $14,700 Two or $80 Specialist $400 $20//$200/$300 MHP Bronze Standard MHP Standard Plans utilize the Commercial Network of physicians. A referral is not required to see specialists, however some services require pre-authorization. Only available off the exchange. $5,500 $11,000 Two or 50% $7,350 $14,700 Two or 50% 50% 50% $30/$70/$200/$300

4 2018 McLaren Health Plan (MHP) On and Off Exchange Product Information Gold Standard Standard Plans utilize the Commercial Network of physicians. A referral is not required to see specialists, however some services require pre-authorization. Available on and off the exchange. $1,400 $2,800 Two or $5,000 $10,000 Two or $50 Specialist $10/$40/$75/30% Silver Standard Standard Plans utilize the Commercial Network of physicians. A referral is not required to see specialists, however some services require pre-authorization. Available on and off the exchange. $3,500 $7,000 Two or $7,350 $14,700 Two or $30 Primary Care $65 Specialist $75 $15/$50/$100/40%

5 Platinum Rewards Gold Rewards Silver Rewards 2018 McLaren Health Plan (MHP) Commercial HMO Products for Small Groups On and Off the Exchange MHP Rewards Plans offer two networks of providers to members; the larger MHP Commercial Network and the MHP Rewards Network which can reduce costs for members. A referral is not required to see specialists, however some services require pre-authorization. Note: MHP Rewards Network is limited and not available in all counties $500 $1,000 Two or 10% $1,800 $3,600 Two or 25% $6,000 $12,000 Two or 30% $2,000 $4,000 Two or $6,000 $12,000 Two or $7,350 $14,700 Two or $25 Primary Care $50 Specialist Specialist $250 $5/$30/$200/$300 $400 $20//$250/$350 $30/$100/$250/$350 MHP Standard Plans utilize the MHP Commercial Network of providers. Referrals are not required to see specialists, however some services require pre-authorization. Platinum Standard $750 $1,500 Two or 10% $1,500 $3,000 Two or $25 Primary Care $50 Specialist $250 $5/$30/$200/$300 Gold Standard $1,250 $2,500 Two or $4,800 $9,600 Two or $30 Primary Care Specialist $250 $20/$40/$200/$300 Silver Standard 30% $7,350 $14,700 Two or $80 Specialist $400 $20//$200/$300 Bronze Standard $5,500 $11,000 Two or 50% $7,350 $14,700 Two or 50% 50% 50% $30/$70/$200/$300 Community Small Group Plans

6 2018 McLaren Health Plan (MHP) Commercial HMO Products for Small Groups HSA Off the Exchange The MHP HMO High Deductible Health Plans utilize the MHP Commercial Network of providers. Referrals are not required to see specialists, however preauthorization is required for some services. These are HSA (Health Savings Account) compatible plans. Plans are designed with a variety of, coinsurance, and out of pocket maximum. HSA HDHP Platinum 1350 $1,350 $2,700 Two or 0% $1,350 $2,700 Two or HSA HDHP Gold 1750 $1,750 $3,500 Two or $2,500 $5,000 Two or $10/$40/$80/20% HSA HDHP Silver 3000 $3,000 $6,000 Two or 30% $6,000 $12,000 Two or $10/$40/$80/20% HSA HDHP Bronze % Small Group HSA Plans

7 2018 McLaren Health Plan (MHP) Commercial HMO Products for Small Groups HRA Off the Exchange The MHP HMO HRA plans utilize the MHP Commercial Network of providers. Referrals are not required to see specialists, however, some services require preauthorization. These plans are designed with a variety of, coinsurance, out of pocket maximum, copay combinations and predetermined employer contributions. HRA Platinum 1500 $1,500 $3,000 Two or OOP and Employer Contribution $750 Office Visit Urgent Care $10/$30/$200/$300 HRA Platinum 2000 $2,000 $4,000 Two or $750 $10/$30/$200/$300 HRA Platinum 4000 $2,000 $20/$40/$200/$300 HRA Platinum 5000 $5,000 $10,000 Two or 30% $2,500 $20/$40/$200/$300 HRA Gold 2500 $2,500 $5,000 Two or 30% $500 $10/$30/$200/$300 HRA Gold 3500 $3,500 $7,000 Two or 30% $500 $80 Specialist $20/$40/$200/$300 HRA Gold 4500 $4,500 $9,000 Two or 30% $500 $10/$30/$200/$300 Small Group HRA Plans

8 Product Description 2018 McLaren Health Plan (MHP) Commercial Products for Large Groups Office Visit Urgent Care Drug Options Point of Service The MHP Point of Service Plans utilize the MHP Commercial Network of providers for Option A Benefits (Lowest cost to member). Members can seek care of Out of Network providers at Option B. (Member costs will be higher and providers may balance bill). The Point of Service Plans are customized for each large group based on available riders. Deductibles range from $0 to $5,000 and $0 to $10,000 Family ranges from 70% to 100% from $10 to $50 from $25 to $75 from $50 to $300 $5/$20/$50 $5/$30/ $10/$20/$30 $10/$25/$50 $10/$30/$50 $10/$30/ $10/$40/$40 $10/$40/$80 $10/$20/$200/$300 $20/$40/$80/$100 $20/$50/$80/$200 $20/$40/$200/$300 HMO The MHP HMO Plans utilize the MHP Commercial Network of providers. Referrals are not required to see specialists, however some services require preauthorization. The HMO Plans are customized for each large group based on available riders. Deductibles range from $0 to $5,000 and $0 to $10,000 Family ranges from 70% to 100% from $10 to $50 from $25 to $75 from $50 to $300 $5/$20/$50 $5/$30/ $10/$20/$30 $10/$25/$50 $10/$30/$50 $10/$30/ $10/$40/$40 $10/$40/$80 $10/$20/$200/$300 $20/$40/$80/$100 $20/$50/$80/$200 $20/$40/$200/$300 Large Group

9 2018 McLaren Health Plan (MHP) Commercial HMO High Deductible Health Plans for Large Groups The MHP HMO High Deductible Health Plans utilize the MHP Commercial Network of providers. These plans are HSA (Health Savings Account) compatible plans with a variety of, coinsurance, out of pocket maximum and copay options. Referrals are not required to see specialists, however some services require preauthorization. New HSA Plan 1350 $1,350 $2,700 Two or 0% $1,350 $2,700 Two or New HSA 1750 Plan A $1,750 $3,500 Two or $2,500 $5,000 Two or $10 Primary Care $20 Specialist New HSA 1750 Plan B $1,750 $3,500 Two or $2,500 $5,000 Two or $20/$35/$80 Current Plan HDHP Plan 1/2000/0% $2,000 $4,000 Two or 0% or $15/$25/$50 Current Plan HDHP Plan 2/2000/20% $2,000 $4,000 Two or or $15/$25/$50 Large Group HDHP

10 2018 McLaren Health Plan (MHP) Commercial HMO High Deductible Health Plans for Large Groups The MHP HMO High Deductible Health Plans utilize the MHP Commercial Network of providers. These plans are HSA (Health Savings Account) compatible plans with a variety of, coinsurance, out of pocket maximum and copay options. Referrals are not required to see specialists, however some services require preauthorization. Current Plan HDHP Plan 1/3000/0% $3,000 $6,000 Two or 0% or $15/$25/$50 Current Plan HDHP Plan 2/3000/20% $3,000 $6,000 Two or or $15/$25/$50 New HSA 3000 Plan A $3,000 $6,000 Two or 30% $6,000 $12,000 Two or $15 Primary Care $30 Specialist New HSA 3000 Plan B $3,000 $6,000 Two or 30% $6,000 $12,000 Two or $80 Specialist $20/$35/$80 Large Group HDHP

CARING FOR YOUR SMALL BUSINESS. Off-Exchange 2018 Plans and Services for Groups With Up to 100 Employees

CARING FOR YOUR SMALL BUSINESS Off-Exchange 2018 Plans and Services for Groups With Up to 100 Employees SMALL GROUP PLANS AT A GLANCE EmblemHealth offers small group plans with the needs and budgets of