YOUR EVERYDAY GUIDE TO USING THE CONSUMER HEALTH PLAN WITH HEALTH SAVINGS ACCOUNT

Transcription

1 YOUR EVERYDAY GUIDE TO USING THE CONSUMER HEALTH PLAN WITH HEALTH SAVINGS ACCOUNT

2 KNOW WHAT S WHAT You take the time to learn the ins and outs when you buy a car, a house, or invest in a household appliance. You want to make sure you pay the right price for the best value. The same is true when it comes to using your healthcare benefits. The Consumer Health Plan (CHP) with Health Savings Account (HSA): Offers lower monthly contributions but more upfront out-of-pocket costs when you use the plan Works with an HSA that includes contributions from Medtronic, giving you a choice about how you pay for care Helps you manage your healthcare spending Provides peace of mind that you ll be protected from high healthcare costs ABOUT THIS USER S GUIDE This user s guide is designed for online viewing, allowing you to click between sections and link to a variety of resources. Be sure to view in full-screen mode so you can use all the functions. Want to read offline? You can do that, too. Simply print a single page or the whole guide. Includes prescription drug coverage So, as you get ready to use your health plan, understand that your choices matter. And know that Medtronic provides resources like this guide to help you make those choices. Review it today and come back to it throughout the year to make sure you get the right healthcare, save money, and make a healthy difference in your life every day.

3 Your Medical, Prescription Drug, and Health Savings Account Administrators During enrollment, you selected a health plan administrator either BlueCross BlueShield of Minnesota (BCBS) or UnitedHealthcare (UHC). If your health plan administrator is BCBS, your HSA administrator is SelectAccount. If your health plan administrator is UHC, your HSA administrator is Optum Bank. With either plan, your pharmacy benefit is through Prime Therapeutics. You ll find references to tools and resources provided by these administrators throughout this guide. CONTENTS KNOW BEFORE YOU GO

4 FIND THE RIGHT DOCTOR The best time to find a doctor is before you get sick. A primary care physician (PCP) is good for you and your family because you get: Efficient care because your doctor knows you, your family, and your medical history Help navigating the healthcare system, including finding a specialist if you need one Good advice because you ve built a relationship and feel comfortable speaking openly To find a PCP: Visit the BCBS website Visit the UHC website You and your family can also link to your health plan administrator from the Contacts page of benefits.medtronic.com. Quick Tip Have tests performed in the doctor s office or at an in-network freestanding facility to reduce your out-of-pocket costs. Did you know? People who have an ongoing relationship with a PCP have better overall health, live longer, and have lower healthcare costs. Source: Centers for Disease Control

5 PREPARE FOR YOUR DOCTOR S VISIT Going to the doctor for the first time when enrolled in a new medical plan can be a little intimidating. What do you need to bring with you? What questions do you ask? Are you going to have to pay something up front? Take a little time to prepare for your visit by using these tips Make a list of the things you want to discuss Confirm whether the doctor is in- or out-of-network Ask the cost of care With a list, you can be sure to cover everything you need to and you ll be better able to answer your doctor s questions. Here are some suggestions: Any symptoms you are having Smoking, eating, drinking, and exercising habits Your health history Your family health history Whether you re starting a new relationship or have been going to the same doctor for many years, using doctors within the BCBS or UHC network will save you money. You ll pay less for in-network care because your health plan administrator has negotiated lower rates with these doctors and facilities. Let the office assistant know the purpose of your visit (preventive, sick, etc.) and ask the estimated cost. With the CHP, you ll pay the full cost of care until you meet your deductible (except for preventive services). Then, you can decide to either use your HSA debit card to pay, or pay the doctor directly and reimburse yourself with your HSA. Did you know? You can access your medical ID card and find nearby care right from your smartphone. Simply download the UHC Health4Me app or visit the mobile enabled BCBS website Bring a list of all medications, allergies, and other doctors you see Bring your medical ID card The more your doctor knows about your current health regimen, the better he or she can get a grasp on your health needs. Include over-the-counter products (vitamins, herbal remedies, aspirin, etc.) so you can avoid interactions or side effects due to mixing medications. The doctor s office will need your medical plan information to get your cost for treatment put together. Having your medical ID card on hand proves that you re covered and makes the office assistant s job a little bit easier.

6 KNOW WHAT TO ASK YOUR DOCTOR Most doctor visits are only 15 minutes long, so it s important to make the most of your time together by taking an active role in the conversation. After all, it really is all about you. Source: Medscape Physician Compensation Report, 2016 Tell your doctor your medical history. If you have allergies or have experienced a reaction to a specific drug in the past, be sure your doctor is aware of it. If the doctor is your primary care physician (PCP), they may already have this information from prior visits. If not, consider selecting a trusted PCP so you ll be treated by someone familiar with your medical history each time you go to the doctor. Make sure you understand the reason for any medical tests and treatment options that the doctor orders. Ask your doctor to review any medical terms you are unfamiliar with or test results. There s no such thing as a dumb question when it comes to your health. Be sure to ask the cost of any tests and treatments to avoid surprises, and expect that precertification or preauthorization may be required for some procedures. Ask your doctor about his or her experience, or about seeing another doctor for a second opinion. This is your health and your body, so there s nothing wrong with making sure you are comfortable. Ask about any prescriptions being ordered. Find out if they re necessary for your recovery. Ask if a generic drug or over-the-counter equivalent is available. They may work just as well and cost less. If you re receiving a prescription for long-term medication, have your doctor write you a 90-day prescription and take advantage of the mail order pharmacy, or a Choice Rx network pharmacy, to save you time and money. Finally, be sure to ask about dosage and any potential drug/food interactions.

7 KNOW WHAT TO DO AFTER YOUR VISIT You have a treatment plan and a prescription in hand. Now what? Knowing what to do next can save you time and money. Try these tips. Check out. Visiting your PCP? Seeing a specialist? You will pay the full negotiated rate for healthcare until you reach your deductible. Click here to see how to use your HSA to pay. Get any prescriptions filled. Make sure that you use a Choice Rx network pharmacy or the mail order program to save you time and money. There are no claims to file as long as you use a network pharmacy or mail order. Remember, the plan pays 100% for certain generics without having to meet the deductible. Follow your doctor s treatment plan carefully. Over 40% of people do not stick to their treatment and end up getting sicker or being hospitalized don t let that happen to you. Call your doctor with questions. It s your health. Give it the attention it deserves. Review your Explanation of Benefits (EOB) from BCBS or UHC. The EOB is a summary of your processed claim(s), including services rendered, what the plan pays, and what you owe the doctor. It is not a bill. Check to ensure that all listed services were received and coded correctly. If not, contact your health plan administrator.

8 BE A SMART HEALTHCARE SHOPPER Here are a few tips to help you and your family save money on healthcare: Know before you go with cost estimators. Don t be surprised by the cost of your hospital stay. Cost estimators provide personalized cost estimates based on your location, your medical option, and whether or not you ve met your deductible. You can even compare nearby doctors, medical facilities, and hospitals based on the price you will pay and quality of care. Click here to log in and access BCBS s tool Click here to log in and access UHC s tool Stay in-network. You have the option of using in-network or outof-network doctors and facilities each time you receive care. You ll pay less when you visit doctors, medical facilities, and hospitals who participate in the network because your health plan administrator has pre-negotiated rates with them. Urgencies may not be emergencies. Urgent care centers and walk-in clinics are a good alternative when you can t see your regular doctor and want care right away. These centers offer lower-cost walk-in care than emergency rooms (ERs) and help you avoid long wait times in the ER. Convenient virtual care is also available via a phone or video consultation with a U.S. board-certified doctor. Remember until you meet the deductible, you will pay the entire cost for care. Participate in Healthier Together. By completing healthy activities, such as wellness challenges and onsite wellness screenings, you can earn up to 50 Recognize points each year. When your covered spouse also participates, they can help you earn up to an additional 25 Recognize points. Points will be deposited into your online Recognize account, which you can use to purchase a variety of retail items or gift cards. Employees and spouses covered by the Medtronic Medical Plan need to participate in Healthier Together in 2018 to avoid paying $50 per month more for medical coverage in Quick Tip If you want to pay the lowest cost for your healthcare services, it is your responsibility to confirm that a provider, lab, or medical equipment supplier is part of your network before you receive care. This is especially important with referrals. Your referring physician may not know who is in your network when referring you to another doctor or lab. A nurse line is available 24 hours a day, seven days a week and connects you with specially trained nurses who can help you make an informed decision about whether to visit a doctor or care for your sickness or injury at home. HOME PREVIOUS NEXT

9 KNOW WHERE TO GET THE RIGHT CARE Is it a cold or flu? Rash or chicken pox? Mild fever or something more serious? Deciding what type of facility is best for your illness or ailment is an important part of getting healthy and keeping costs down. 24 hours a day, 7 days a week to U.S. board-certified doctors who can diagnose, treat, and write prescriptions (when necessary) for routine medical conditions. It is not a program to replace your current medical plan or PCP, but an added medical benefit that will provide an affordable alternative to more costly urgent care or ER visits. You ll typically pay $40 for virtual care services, which would apply towards the deductible (or, if you ve met the deductible you ll pay coinsurance up to the out-of-pocket ). URGENT CARE CENTER Whenever you need care that is not for an emergency like an ear infection, back pain, or a sprained ankle you will save time and money by going to an urgent care center. These centers are staffed by physicians and offer lowercost walk-in care than ERs. VIRTUAL CARE Virtual care offers a convenient and affordable option to receive quality healthcare outside a physician s office via phone and video conference. This program provides anytime access NURSE LINE Still not sure? Don t worry! With the nurse line, you have access to quality and confidential healthcare advice anytime, anywhere. Call the phone number on the back of your medical insurance ID card to speak to a registered nurse who can give you advice and help you decide on the right place for care. Mounds View Well@Work Clinic and online care/virtual visits are covered at 100% after you meet the deductible. Did you know? A study of claims data for treating common conditions such as ear infection, sore throat, and urinary tract infection (UTI) showed that where you are treated affects how much you pay. According to the study, here s an average of how much you may pay for care for one of those conditions: $0 Nurse Line $40 Virtual Care $105 Urgent Care Center $530 Emergency Room Virtual care doctors can treat a wide range of illnesses, including: Abdominal pain Allergies Asthma Back pain Influenza Rash Sinus problems Strep throat Tonsillitis Urinary tract infections To set up an account for future virtual care appointments: Visit the BCBS website Visit the UHC website Source: Debt.org, 2016 HOME PREVIOUS NEXT

10 HOW YOU PAY FOR CARE THE CHP WITH HSA AT-A-GLANCE In-Network Benefits Company-provided HSA contribution* You Pay Employee only $500 Employee + spouse or Employee + child(ren) $750 Family $1,250 Deductible Out-of-Pocket Maximum (includes deductible) Employee only $1,400 Employee + spouse or Employee + child(ren) $2,800 Family $3,600 Employee only $3,500 Employee + spouse or Employee + child(ren) $7,000 Family $9,000** Preventive care $0; 100% covered by the plan Coinsurance 20% PCP office visit Specialist visit Emergency room Prescription drugs 20% after deductible 20% after deductible 20% after deductible 20% after deductible *If you are hired after July 1, Medtronic will contribute half of the annual HSA contribution. **Individual out-of-pocket will not exceed $7,150.

11 GET 100%-PAID PREVENTIVE CARE It s easy to put off getting an annual check-up. But when it s covered at 100%, why wait? Don t just think about your health when you re sick. Preventive care helps identify potential health problems early when they may be easier and less costly to treat. Your medical plan covers in-network preventive care and screenings at 100%, so take advantage of the benefit and get your preventive care for you and your covered family members without sacrificing your wallet. WHAT IS PREVENTIVE CARE? Preventive care: Routine physical exams and health screenings, as defined by Health Care Reform, which are usually performed by your in-network PCP. Preventive care helps identify potential health problems early when they may be easier and less costly to treat. Guidelines are based on your age and gender. The table to the right lists common preventive services. For a complete list: Visit the BCBS website Visit the UHC website Children Female Male Well-baby care Annual physicals Immunizations Blood pressure checks Pap tests Mammograms Osteoporosis test Annual physicals Immunizations Colonoscopy Prostate cancer screening Annual physicals Immunizations Cholesterol checks Blood pressure Blood pressure checks checks Cholesterol checks Cholesterol checks Diabetes mellitus: baseline for highrisk individuals Colonoscopy Diabetes mellitus: baseline for highrisk individuals Osteoporosis test

12 GET 100%-PAID PREVENTIVE CARE Healthy Quick Tips Drink fresh water and as much water as you can. Water flushes unwanted toxins from your body and keeps your brain sharp. The best way to stay healthy is through prevention. Our medical plans cover in-network preventive care services at 100% with no deductible. Like nutrition and diet, sleep plays an important role in well-being. Ideal adult snooze time = 7 9 hours/night. Keep moving to keep a strong healthy body and weight. Thirty minutes a day, four to five times a week of exercise is ideal. What you eat affects both your physical and mental health. So, skip the fast food and fill up on fresh fruit, vegetables, grains, fish, and lean proteins. Did you know? As many as 30,000 lives could be saved EACH YEAR with preventive screenings. Source: cdc.gov Services coded by your doctor as preventive care are generally covered at 100% in-network. If the same tests are done to diagnose an illness or treat a known condition, they are not considered preventive care and your deductible and coinsurance apply.

13 MEET YOUR DEDUCTIBLE Your deductible applies to all care except for preventive care and certain generic preventive prescription drugs. So, if you go to the doctor with a sore throat, have an overnight hospital stay, or have outpatient surgery before you meet the deductible, you ll pay the full cost of these services. That s why it s important to set aside funds in your HSA to cover these costs. IN-NETWORK DEDUCTIBLE Employee only $1,400 Employee + spouse or Employee + child(ren) $2,800 Family $3,600 Just covering yourself? You ll need to meet the deductible before you start paying coinsurance. Covering you and one or more family members? You ll need to meet the deductible before any family member begins to pay coinsurance. When any combination of family members meets the deductible, the entire covered family begins paying coinsurance. FOR EXAMPLE: You cover your spouse and three children. During the year, you pay $1,500 for healthcare services for you, $750 for your spouse and $1,350 for one of the kids since you haven t met the deductible. The total cost of healthcare services for the three of you is $3,600 and the family deductible is now met. The whole family of five will begin paying coinsurance until the out-of-pocket is met. How you and the plan pay for in-network care Preventive Care The plan pays 100% Care for Treatment of an Illness or Injury You pay 100% up to the deductible You meet the deductible then You pay 20% coinsurance The plan pays 80% You meet the out-of-pocket then The plan pays 100%

14 PAY FOR PRESCRIPTION DRUGS You ve visited your doctor and a medication has been prescribed for you. You have two options for filling that prescription: RETAIL: WHEN YOU NEED IT RIGHT AWAY Get your short-term prescription filled at one of thousands of Choice Rx in-network pharmacies, including CVS (including Target pharmacies), Wal-Mart and Kroger stores, and other community pharmacies. Filling your prescription at a retail pharmacy Present your medical plan ID card when dropping off your prescription. You will pay your medical plan s negotiated rate in full, until you meet your deductible, for your medications right at the pharmacy. You ll pay 20% coinsurance after you meet the deductible. Remember, you can use your HSA debit card to pay for the medications right then as long as you have funds in the account. You ll receive 100%-paid coverage for: Certain prescribed generic diabetes, high blood pressure, and cholesterol medications 90-day supply through mail order or Choice Rx network only Certain prescribed generic contraceptive and tobacco cessation medications Visit your health plan administrator s website for a full list of medications covered at 100%. MAIL ORDER: FOR PRESCRIPTIONS YOU TAKE REGULARLY (MAINTENANCE MEDICATIONS) You can conveniently manage your prescriptions online while saving time and money when you sign up for mail order prescriptions with your health plan administrator. To get started: Visit the BCBS website Visit the UHC website

15 PAY FOR PRESCRIPTION DRUGS Save money on prescriptions Use the mail order pharmacy. Receive up to a 90-day supply of long-term medication (such as cholesterol-lowering drugs) and enjoy the convenience of having your prescription delivered to you. You can also pick up a 90-day supply at a Choice Rx network pharmacy. Go generic. Generic drugs cost less and work just as well. Visit your health plan administrator s website to see what you could be saving. Speak up. Ask your doctor if he or she has any free samples of the medication being prescribed. Get smart. Use your smartphone or tablet to check a prescription cost on your health plan administrator s website or app. Ask your doctor for a lower-cost alternative if the cost is high. Quick Tip Not all prescription drug retailers charge the same price for the same medication. Be sure to check the plan s formulary list before filling your prescription. For more information about the cost of your medications and to view the formulary list, visit your health plan administrator s website.

16 UNDERSTAND YOUR OUT-OF-POCKET MAXIMUM Your out-of-pocket is the most you pay in deductible and coinsurance each year for eligible medical and prescription drug expenses. Once you meet the out-ofpocket, the plan pays 100% for covered services for the rest of the year. In-network and out-of-network s must be met separately.

17 USE YOUR HSA Wondering how to use your HSA to pay for that doctor visit or trip to the pharmacy? Here s how it works. FIRST, YOUR HSA IS FUNDED Money goes into your HSA two ways, if you enrolled in the Medtronic contributions during enrollment (elected the Employer Plan ). Funds must be in the account before you can use them. MEDTRONIC CONTRIBUTIONS YOUR CONTRIBUTIONS 2018 MAXIMUM HSA CONTRIBUTIONS Employee only $500 Employee only 2,950 Employee only $3,450 Employee + spouse or Employee + child(ren) $750 Employee + spouse or Employee + child(ren) $6,150 Employee + spouse or Employee + child(ren) $6,900 Family $1,250 Family $5,650 Family $6,900 If age 55 or over: An additional $1,000 in personal contributions allowed when paid directly to your HSA administrator. These contributions must be made after-tax and cannot be withheld from your paycheck.

18 USE YOUR HSA THEN, YOU CAN USE IT TO PAY FOR CARE You can use your HSA to pay for eligible medical, prescription, dental, and vision out-of-pocket expenses for you and covered family members. The HSA works just like a personal bank account. There are two different ways you can pay for eligible expenses. Swipe your debit card. You will receive a debit card from your HSA administrator after you open your account, which you can use for direct payment at a doctor s office, pharmacy, or other healthcare facility. Your debit card can also be used to pay a bill you receive in the mail from a doctor s office or facility. Reimburse yourself. You don t have to pay with your HSA. You can pay with a different method, if you choose. When you reimburse yourself is completely up to you there is no time limit as long as the claims are incurred after your HSA is opened. You can also submit online or paper claims, and track your payments on your HSA administrator s website. Visit the SelectAccount (BCBS) website Visit the Optum Bank (UHC) website Remember, you can only use HSA money after it has been deposited into your account. For a full list of eligible expenses, click here to see IRS Publication 502. What if I forgot to use my HSA debit card for a transaction? You can request a reimbursement from your HSA online. Log in to your HSA account and follow the instructions for submitting a claim online or a paper form. After completing all requirements, your transaction will be submitted to the bank and can take anywhere from hours to process. HOME PREVIOUS NEXT

19 USE YOUR HSA YOUR ONLINE RESOURCES Visit your HSA administrator s website regularly to check your account balance, review claims received, and view expenses. There are user-friendly tools and resources available, such as a savings calculator, to determine your medical expenses for the year. Visit the SelectAccount (BCBS) website Visit the Optum Bank (UHC) website Newly Hired Employees If you are a new hire and enroll in the CHP with HSA and elect employer contributions, you will receive the Medtronic contribution to your account on the first pay period following your election (or as soon as administratively possible). If you are hired after July 1, Medtronic will contribute half of the annual HSA contribution. Coverage Level Contribution from Medtronic for New Hires on/after July 1 Employee only $250 Employee + spouse or $375 Employee + child(ren) Family $625 Did you know? You can spend your HSA dollars now or save them for future healthcare expenses. It s up to you. Your unused money rolls over each year. And, if you change medical plans, leave Medtronic, or retire, you take the account with you. Once your HSA reaches a certain balance, you can invest a portion of your money in mutual funds to earn even more tax-free dollars. When you reach age 65, you are also able to withdraw HSA funds for any purpose without penalty charges. Visit your HSA administrator s website for more information.

20 EXAMPLES OF THE PLAN IN ACTION Let s look at a couple of examples so you can see the plan in action. Both examples assume in-network care, and assume that the employees use only in-network physicians and pharmacies. Costs of Services Kate s Out-of-Pocket Costs Annual physical $200 Annual physical Covered at 100% by the plan Well-woman visit $250 Well-woman visit Covered at 100% by the plan Physician visit $250 Physician visit $250 1 mail order maintenance prescription ($30 for 4 refills) 1 prescription filled at a retail pharmacy $120 1 mail order maintenance prescription $10 1 prescription filled at a retail pharmacy Total $830 Total Out-of-Pocket Costs Medtronic contributions to her HSA covered her out-of-pocket costs for the year $0 $0 $120 $10 $380 $0 EXAMPLE 1 Kate is 30, single and healthy. This year, Kate had her annual physical and well-woman visit. She made one trip to a physician for bronchitis. She filled two prescriptions: one maintenance medication through mail order and one non-maintenance medication at a Choice Rx retail pharmacy. Kate s annual physical and well-woman visits are preventive care; she went to an in-network physician, so the plan paid 100%. Kate didn t meet her $1,400 deductible, so she paid the full $250 cost of her physician visit and prescription drug costs out-ofpocket. Since she enrolled in the CHP with HSA, Medtronic contributes $500 to her HSA, which she used to cover these costs. Kate also has $120 left in her HSA at the end of the plan year, which she can use towards future qualified healthcare expenses. HOME PREVIOUS NEXT

21 EXAMPLES OF THE PLAN IN ACTION Costs of Services Alec s Out-of-Pocket Costs 4 annual physicals $800 4 annual physical Covered at 100% by the plan Outpatient surgery $2,500 Outpatient surgery $2,500 2 routine immunizations $50 2 routine immunizations Covered at 100% by the plan 3 mail order maintenance prescription ($30 for 4 refills each) $360 3 mail order maintenance prescription ($30 for 4 refills each) $0 $0 $360 2 physician visits $500 2 physician visits $500 Emergency room visit $1,500 Emergency room visit $492 1 prescription filled at a retail pharmacy $10 1 prescription filled at a retail pharmacy Total $5,720 Total Out-of-Pocket Costs Medtronic contributions to his HSA covered $1,250 of his out-of-pocket costs for the year, and Alec paid the additional $2,604 out-of-pocket. $2 $3,854 $2,604 EXAMPLE 2 Alec is 40, married and has two kids. The entire family received their annual physicals. Alec has high blood pressure, so he takes one maintenance medication, which he fills through mail order. His wife, Sarah, takes two maintenance medications filled via mail order. Sarah had a minor outpatient surgery using an innetwork physician Alec and Sarah s sons, Ray and Rob, had routine immunizations in addition to their annual physicals. Ray had one visit to the Emergency Room for a broken arm. Alec paid $240 out of pocket to meet the deductible and paid 20% coinsurance for the remaining cost of the visit. Ray also needed one non-maintenance medication filled at a Choice Rx retail pharmacy. Rob had two physician visits. The family s annual in-network physicals and immunizations are preventive care, so the plan paid 100% of the costs. Alec didn t yet meet his $3,600 deductible, so he was responsible for the full $2,500 for Sarah s surgery out-of-pocket; but he met the deductible with the Emergency Room visit, so he only paid 20% coinsurance for the prescription filled at a retail pharmacy. Since he enrolled in the CHP with HSA, Medtronic contributes $1,250 to his HSA, which he used to cover some of the cost of the surgery. Using innetwork physicians and pharmacies saved Alec out-of-pocket costs. HOME PREVIOUS NEXT

22 UNDERSTAND KEY TERMS Coinsurance: The percentage you and the plan each pay for most covered services and supplies. Deductible: Amount you pay out of your pocket for covered medical and prescription drug expenses during the plan year before you and the plan share the costs. In-network and out-of-network deductibles must be met separately. In-network: Refers to doctors or healthcare facilities that are part of BCBS s or UHC s network and charge pre-negotiated rates for care. Your deductible, coinsurance, and out-of-pocket s are lower for in-network care compared to out-of-network care. Visit benefits.medtronic.com to link to your health plan administrator s website and search your area for an in-network doctor or healthcare facility. Generic drug: A prescription drug with the same active ingredient(s) that is just as safe and effective as its brand-name counterpart, but costs less. Primary care physician (PCP): An internist, general practitioner, family practitioner, pediatrician, or gynecologist who helps coordinate all of your healthcare. Out-of-pocket : The most you pay in a plan year in medical and prescription drug coinsurance. Once you meet it, the plan pays 100% for covered services for the rest of the year. In-network and out-of-network s must be met separately. Out-of-network: Refers to doctors or healthcare facilities that are not part of BCBS s or UHC s network. Your deductible, coinsurance, and outof-pocket s are higher for out-of-network care compared to in-network care. Preventive care: Routine physical exams and health screenings (like routine blood tests, immunizations, Pap tests, prostate screenings, and other ageappropriate health screenings), as defined by Health Care Reform, that are usually performed by your in-network PCP. Services coded by your doctor as preventive care are generally covered at 100% in-network. If the same tests are done to diagnose an illness or treat a known condition, they are not considered preventive care and your deductible and coinsurance apply.

23 USE HELPFUL TOOLS BENEFITS.MEDTRONIC.COM Medtronic provides a one-stop shop for all you need to know about your health, wealth, and work/life benefits at Medtronic. Benefits.medtronic.com is user-friendly and easy to navigate from your computer, tablet, or smartphone. You can access all the information you need on your plan options, along with tools and resources to help you use your benefits wisely throughout the year. Learn more about your benefits, including detailed plan comparison charts and learning modules. Link to health plan administrator websites for finding a doctor or checking the cost of a prescription. Find out how to live a healthier lifestyle with Healthier Together and earn rewards while doing it. Enroll in, update, or view your benefits with one-click access to Workday. Visit often to keep up with the latest updates.

24 USE HELPFUL TOOLS HEALTH PLAN SUPPORT (CARE ADVOCACY/ CUSTOMER SERVICE) A dedicated team is available to you and your family to help simplify the complexity of your medical and prescription drug insurance and help you find care based on the factors that are most important to you. Want to learn how to get the most value out of your medical plan? Health plan support can help walk you through your options and coverage. Need help resolving billing or claims issues? Health plan support will help you get to the bottom of the issue. Concerned about what a diagnosis or treatment plan means for you? You ll get the time, attention, and information to help you make the best decisions for yourself or a family member. Trying to find a doctor that s right for you? Your support team can help you find one, and even make your appointments. Not sure where to go for care? Health plan support will review your symptoms and help you make an informed decision for care. Want to know the cost before you go? You can use a price comparison tool to receive personalized cost estimates based on your location, your medical plan and whether or not you ve met your deductible and out-of-pocket. Questions on a recent screening or blood test? Health plan support can help you make sense of the numbers, and together find ways to help improve them. Visit your health plan administrator s website for more information or call the number on the back of your card.

25 USE HELPFUL TOOLS BCBS OF MINNESOTA WEBSITE Before you make an appointment for care, log into the BCBS website to use the tools to help make costsaving decisions. From BCBS of Minnesota s website, you can: Search for doctors by location or specialty and compare quality first, then cost Locate healthcare facilities such as hospitals, urgent care clinics, and labs/imaging centers Get real-time cost estimates Keep your medical history at your fingertips Check the status of your deductible Print ID cards Review your Explanation of Benefits (EOB) MANAGE YOUR HSA ON-THE-GO With BCBS of Minnesota, you can easily manage your Health Savings Account through the SelectAccount Member App anytime, anywhere. Using the app, you can: See real-time balance updates Scan a product s barcode to see if it s a covered expense Check the status of a payment Make payments, get reimbursed, and manage deposits Take a picture of receipts or prescriptions for a claim Get or cancel a debit card Download the SelectAccount Member App for free on your Apple or Android smart phone.

26 USE HELPFUL TOOLS UHC WEBSITE Before you make an appointment for care, log into the UHC website to use the personalized tools to help you access and manage your medical and wellness information. From UHC s website, you can: Find network doctors and facilities Check your coverage and claims status Review preventive care services Print ID cards Receive monthly e-newsletters: Healthy Mind Healthy Body and Benefit Awareness News

27 FIND OUT MORE AskHR 8:00 a.m. to 8:00 p.m. ET (800) BlueCross BlueShield (BCBS) Client # SelectAccount Prime Therapeutics (866) Nurse line: (800) UnitedHealthcare (UHC) Group # Optum Bank Prime Therapeutics (800) myuhc.com bluecrossmn.com/mdt