Simple. Health plan benefits you can understand. What s inside Windstream Retiree Medical PPO Plan Myuhc.com Benefits at a Glance

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1 Simple Health plan benefits you can understand. What s inside Windstream Retiree Medical PPO Plan Myuhc.com Benefits at a Glance

2 You have a lot to consider when you sign up for a health plan. What will I pay for a doctor visit? May I choose my own doctors? What coverage best meets my needs? How will my health plan help me understand my benefits and keep my costs low? We re here to help. Need more help? To learn more about your plan, call:

3 Let s walk through your benefits. Your medical plan. Plan Name National network No referrals required Out-ofnetwork coverage No primary doctor required Retiree Medical PPO Plan Plus, these free extras are part of every plan. 24-hour nurse services Help from a live registered nurse by phone anytime Get doctor and appointment recommendations with personal follow-ups Personal Health Support Support for chronic conditions, like cancer and diabetes and treatment decisions Coaching on how to communicate with doctors and specialists Health and wellness programs Learn to eat right, stop smoking or just relax available online anytime Test your health knowledge using online quizzes and interactive games How to find a doctor Wondering if your doctor is in our network? Or, are you looking for a different doctor? Click Find a Physician & Facility on myuhc.com. 1. Visit myuhc.com. 2. Click on Find a Physician or Facility. 3. Choose Search for a Physician. 4. Select: UnitedHealthcare Options PPO. You can also narrow your search by geography, gender, and languages spoken. It s one of many helpful tools included with your plan. Estimate your plan costs ahead of time. The Plan Cost Estimator gives you a look at what your plan expenses might be before you sign up. The tool uses average costs and will show you expenses based on your health status and how many people will be in your plan. 1. Visit myuhc.com. 2. Click on Plan Cost Estimator. 3. The tool will lead you through a set of questions. It takes 15 to 30 minutes to answer the questions and get your estimate.

4 Your benefits at a glance. We re excited to offer this solid package of health benefits to you. Medical Retiree Medical PPO Plan Network/Non-network Deductible Individual Family Out-of-pocket maximum Individual Family Lifetime maximum benefit $500 / $500 $1,000 / $1,000 $2,500 / $4,500 $5,000 / $9,000 Unlimited Doctor visit $20 copay then 100%/70%* Specialist visit $35 copay then 100%/70%* Urgent care visit $0 copay then 80%* Emergency room $100 copay then 80%* Ambulance 80%* / 70%* Outpatient surgery $0 copay then 80%* Lab and X-ray 80%* / 70%* Hospital stay 80%* / 70%* Well-child visits $20 copay in the office then 100%/70%* Mammogram $20 copay in the office then 100%/70%* Annual adult physical $20 copay in the office then 100%/70%* *After you ve reached your deductible This information is a brief, general description of your coverage, and is not a contract and does not replace your Certificate of Coverage/Summary of benefits. For a complete list of your coverage, including exclusions and limitations relating to your coverage, please read your Certificate of Coverage/Summary of Benefits. If descriptions, percentages, and dollar amounts conflict with official benefit coverage documents, the official benefits coverage documents prevail.

5 Common sense ways to keep yourself healthy Take a walk Help prevent obesity and high blood pressure while walking your worries away. Get a good night s sleep Research shows people who sleep at least seven straight hours a night are at reduced risk for everything from diabetes to heart disease. Eat colorful fruits and vegetables Foods like broccoli, carrots, spinach, and berries contain disease-fighting nutrients, and are low in calories. Drink water Drinking water helps you stay at the right temperature and digest your food. De-stress Chronic stress harms your ability to fight infection and can lead to depression. For simple stress relief, try yoga or a massage. Find help when you need it Use your medical plan to get support. Take advantage of your benefits.

6 Several ways myuhc.com can help As a plan member, you get a private, personal Web site myuhc.com. Log on to take advantage of benefits like these: See the details of your coverage. View your current claims. See your whole family s claims history in one view. Find a doctor in your area. Learn more about a health condition. Find out how much a treatment might cost ahead of time. Read up on common symptoms and what they might mean. Take a personal health quiz. Use tools, quizzes and calculators on everything from aging to world travel. myuhc.com Your Personal Health Record Organize and store all of your health information in one place. Your Personal Health Record lets you keep track of your family s health history. You can see your lab results and claims. Use it to track your progress with Health Trackers like blood pressure, cholesterol and weight. Create reports, print a claim summary, and more. Keep track of your health care expenses the easy way. As a plan member, you have free access to Quicken Health SM Expense Tracker. This online tool keeps all of your health care claims and expenses in one place. Saves time No more figuring out bills and wondering if your medical plan portion has been paid. And, in early 2010, you ll even be able to pay your medical bills online. Saves money Knowing exactly how much you are spending helps you budget. Saves paper With your records online, you don t need to make copies or get paper bills.

7 Your personalized newsletter Healthy Mind Healthy Body is a newsletter made just for you. Get access to UnitedHealthcare s award-winning health and wellness newsletter each month. Healthy Mind Healthy Body gives you the health and medical news that s meaningful to you. Get great tips on prevention, fitness, nutrition and much more. Choose the health topics you d like to see and we ll send them to your inbox once a month. Topics in each issue Managing your health Tools and tips for wellness Making the most of your medical plan Topics you can choose Diabetes Asthma Women s health Men s health Family and child health Fitness, nutrition and weight management Healthy living Muscles, bones and back care Source4Women Real answers to your health questions Women typically make the majority of health care decisions, for themselves and their families. When you visit uhc.com/source4women, you will find a Web site with clear, honest information about topics that affect women. Look there for tips on keeping your family healthy. Find doctors who treat everything from high-risk pregnancy to sick kids. Visit uhc.com/source4women to take control of your health and wellness.

8 And we help you save money. Network discounts You get a discount when you see a doctor or a hospital in our network. Almost seven out of 10 doctors, and nearly nine out of 10 hospitals, are in our network. 24-hour NurseLine services You hurt your ankle. Call a registered nurse before you limp to the hospital. It might save you from a big bill. Plan Cost Estimator tool Find out how much your health plan will cost before you sign up. Knowing the costs of each type of plan helps you choose the one that fits your needs and budget. Treatment Cost Estimator Costs of treatment can be different depending on where you live and which doctor or hospital you use. Get facts about how much a treatment will cost and how much you will need to pay. Convenience care centers Walgreens, Target and other stores are in our network (so you can get savings). Costs may be lower than going to a clinic. And, you don t need an appointment. Contacting us is easy Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by UnitedHealthcare Insurance Company, United HealthCare Services, Inc., or their affiliates. Health Plan coverage provided by or through a UnitedHealthcare company. For informational purposes only. UnitedHealthcare does not diagnose problems or recommend specific treatment. The information provided in this document is not a substitute for your physician s care. Services and medical technologies referenced herein may not be covered under your plan or be available in all states or for all groups. The Healthy Pregnancy Program follows national practice standards from the Institute for Clinical Systems Improvement. The Healthy Pregnancy Program cannot diagnose problems or recommend specific treatment. The information provided is not a substitute for your doctor s care. Source4Women content and materials are for information purposes only, are not intended to be used for diagnosing problems and/or recommending treatment options, and are not a substitute for your doctor s care. Lists of potential treatment options and/or symptoms may not be all inclusive. Intuit, the Intuit logo, Quicken and Quicken Health are trademarks, service marks or registered trademarks and/or service marks of Intuit Inc C Windstream 2010 United HealthCare Services, Inc. UHCEW