Dan's Providence Plan Overview for PDF Free Download

COMPANY Providence Providence Providence Providence Providence Connect 2500 Silver Standard Gold Plan Standard Silver Plan Plan Connect HSA Eligible Choice Connect 7900 Plan Choice Network Choice Network Network 6650 Connect Network Plan Name Dan's Providence Plan Overview for 2019 Contracted Provider Network Choice Network Choice Network Connect Network Choice Network Connect Network Where to Purchase Direct or Marketplace Direct or Marketplace Direct or Marketplace Direct or Marketplace Direct or Marketplace Annual Deductible $1,000 $2,850 $2,500 $6,650 $7,900 Coinsurance you pay after the annual deductible is met 20% 30% 30% 0% 0% Annual Calendar Year Out-of-Pocket Maximum $6,850 $7,900 $7,900 $6,550 $7,900 Maximum Out-Of-Pocket Explanation Preventative Care: Exam, wellbaby, prenatal, gynecological, mammogram, pap test, colonoscopy (over age 50) Primary Care Provider visit *The Maximum-out-of-pocket below includes BOTH the deductible met, the coinsurance percentage you pay after the deductible, and all covered prescription drug costs for In-Network covered services in the calendar year. before deductible $20 (Requires a Medical Home Selection) before deductible $40 (Requires Medical Home Selection) before deductible before deductible $45 (Requires a Medical Home Selection) Deductible then $0 before deductible $65 (Requires a Medical Home Selection) Naturopath as PCP visit $40 (Req. MH referral) $80 (Req. MH referral) $45 (ref from MH required) Deductible then $0 $65 (Req. MH Referral) Specialist office visit $40 (Req. MH referral) $80 (Req. MH referral) $65 (Req. MH referral) Deductible then $0 $115 (Req. MH Referral) Urgent Care visit $60 $70 $75 Deductible then $0 $125 Outpatient Mental health visit $20 (30 visit max) $40 (30 visit max) $45 Deductible then $0 $65 Outpatient Rehabilitation $20 (30 visit max) $40 (30 visit max) Deductible then 30% Deductible then $0 Deductible then $0 Prescription Drugs: See full benefit summary See full benefit summary See full benefit summary See full benefit summary See full benefit summary Chiropractic & Acupuncture Not covered Not Covered $25 (First 3 visits) Not Covered $25 (First 3 visits)

MONTHLY PREMIUMS (PER PERSON) FOR 2018 COMPANY Providence Providence Providence Providence Providence Plan Name Standard Gold Standard Silver Connect 2500 HSA 6650 Connect 7900 PREMIUM PER PERSON Monthly Monthly Monthly Monthly Monthly Age 20 & Under $247 $217 $207 $166 $150 21 $389 $342 $324 $262 $236 22 $389 $342 $324 $262 $236 23 $389 $342 $324 $262 $236 24 $389 $342 $324 $262 $236 25 $390 $343 $325 $263 $237 26 $390 $350 $331 $268 $242 27 $407 $358 $339 $274 $248 28 $423 $372 $352 $285 $257 29 $435 $383 $362 $293 $265 30 $441 $388 $367 $297 $268 31 $451 $396 $375 $303 $274 32 $460 $405 $383 $310 $280 33 $466 $410 $388 $314 $283 34 $472 $415 $393 $318 $287 35 $475 $418 $395 $320 $289 36 $478 $421 $398 $322 $291 37 $481 $423 $401 $324 $293 38 $484 $426 $403 $326 $295 39 $491 $432 $408 $330 $298 40 $497 $437 $414 $334 $302 41 $506 $445 $421 $341 $308 42 $515 $453 $429 $347 $313 43 $528 $464 $439 $355 $321

MONTHLY PREMIUMS (PER PERSON) FOR 2018 COMPANY Providence Providence Providence Providence Providence Plan Name Standard Gold Standard Silver Connect 2500 HSA 6650 Connect 7900 Non-Smoker premiums Monthly Monthly Monthly Monthly Monthly 44 $543 $478 $452 $366 $330 45 $561 $494 $467 $378 $341 46 $583 $513 $485 $393 $355 47 $608 $534 $506 $409 $370 48 $636 $559 $529 $428 $387 49 $663 $583 $552 $447 $403 50 $694 $611 $578 $467 $422 51 $725 $638 $604 $488 $441 52 $759 $667 $632 $511 $462 53 $793 $698 $660 $534 $482 54 $830 $730 $691 $559 $505 55 $867 $763 $722 $584 $527 56 $907 $798 $755 $611 $552 57 $948 $833 $789 $638 $576 58 $991 $871 $825 $667 $602 59 $1,012 $890 $842 $681 $615 60 $1,055 $928 $878 $710 $642 61 $1,093 $961 $909 $735 $664 62 $1,117 $982 $930 $752 $679 63 $1,148 $1,009 $955 $773 $698 64 $1,165 $1,025 $970 $784 $708 RATES ABOVE ARE NON-SMOKERS RATES FOR CERTAIN COUNTIES IN THE PORTLAND AREA

2019 IMPORTANT CHANGES, NOTES & DISCLAIMERS: RATES VARY BY COUNTY: Rates above are non-smoking rates for Multnomah, Washington & Clackamas, Yamhill & Hood River Counties. Rates for other counties are available. Networks also vary by county. Make sure you know what Network of contracted providers your plan uses. VIRTUAL/COMPUTER Visits: Virtual Visits to available for such things such as colds, infections, sometimes refilling prescriptions. Available under many plans at no copay. A great, low cost visit before you go into the doctor. RATES ARE DIFFERENT FOR SMOKERS: The smoker rate can be up to 50% higher. The rates above are nonsmoker rates. After 3 months non-smoking you can qualify for standard rates again. MOST PLANS REQUIRE YOU TO PICK A MEDICAL HOME CLINIC: If your plan is a Choice Network plan, you must pick one of the 230 Choice clinics to be your Medical Home (MH). So find out which clinic your doctor of choice works out of. To see a specialist you must have your Medical Home Clinic give a referral. The goal is to coordinate your care. QUALIFYING FOR A TAX-CREDIT--you must use www.healthcare.gov: Please note that if you qualify for a tax credit, you must purchase your coverage through www.healthcare.gov, NOT direct with Providence. I can help you with this. FINAL RATES AND EFFECTIVE DATES ARE DETERMINED BY THE INSURANCE COMPANY Final rates & Coverage are determined by the Insurance Carrier, not by this overview. Please read full plan brochure prior to enrollment and double-check the rates. The insurance company has final say on your effective date. THIS SPREADSHEET IS FOR ILLUSTRATION PURPOSES ONLY: This spreadsheet is a high level look only. Consult the insurance contract to verify all benefits and read the plan brochure prior to enrollment. Also consult the full benefit summary for the plan you are considering. I can email you the full summary upon request: email danneils@gmail.com PLEASE UNDERSTAND YOUR NETWORK! There is no out of network coverage except for ER visits.. There is also no coverage if are in the Connect Network, and you go to another Providence doctor that is not in the Connect Network your visit and healthcare will NOT be covered. This is critical to understand for 2019 as a misunderstanding could be costly. PROVIDENCE EXPRESS CLINICS: There are 14 Clinics in various Walgreens around the Portland Area. With most plans (Standard Bronze excluded) you can see a provider at no copay.

Your Benefit Summary HSA Qualified 6650 Bronze - Choice Network Providence Choice Network Individual Calendar Year Deductible (family amount is 2 times individual) $6,650 Individual Out-of-Pocket Maximum (family amount is 2 times individual) $6,650 This amount includes the deductible. Important information about your plan This summary provides only highlights of your benefits. To view your plan details, register and login at www.myprovidence.com. Once you have registered, you can select your Medical Home online or by calling customer service. This plan provides benefits only for medically necessary services when provided by physicians or providers in your Medical Home. The only exception is Emergency Care and Urgent Care services. Referrals are required. When two or more family members are enrolled, the in-network per person limit on cost-sharing is $7,900. Some services and penalties do not apply to the out-of-pocket maximum. Prior authorization is required for some services. View a list of in-network providers and pharmacies at www.providencehealthplan.com/providerdirectory. Limitations and exclusions apply. See your contract for details. On-Demand Visits Virtual visits (such as Providence Express Care Virtual, phone and video PCP visits or by Web-direct visits where available) Providence Express Care Retail Health Clinic visits Virtual phone and video visits to a specialist Preventive Care Periodic health exams and well-baby care Routine immunizations and shots Colonoscopy (preventive, age 50+) Gynecological exams (1 per calendar year), breast exams and Pap tests Mammograms Nutritional Counseling Tobacco cessation, counseling/classes and deterrent medications Physician/Professional Services Office visits to a Primary Care Provider Office visits to an Alternative Care Provider (such as naturopath) (Chiropractic manipulation and acupuncture services are not covered) Office visits to specialists Inpatient hospital visits Allergy shots and allergy serums, injectable and infused medications Surgery and anesthesia in an office or facility Diagnostic Services X-ray, lab and testing services (includes ultrasound) High-tech imaging services (such as PET, CT or MRI) Sleep studies PIC-OR 0119 IND HSA CHC 1 HSA-412 56707OR1420001-00

Your Benefit Summary Emergency Care and Urgent Care Services Emergency services (For emergency medical conditions only. If admitted to the hospital, all services subject to inpatient benefits.) In-Network Out-of-Network Emergency medical transportation (air and/or ground) (Emergency transportation is covered regardless of whether or not the provider is an in-network provider.) Urgent care visits (for non-life threatening illness/minor injury) In-Network Out-of-Network Hospital Services Inpatient/Observation care Skilled nursing facility (limited to 60 days per calendar year) Inpatient rehabilitative care (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Inpatient habilitative care (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Outpatient Services Outpatient surgery at an ambulatory surgery center or at a hospital- based facility Colonoscopy (non-preventive) at an ambulatory surgery center or a hospital based facility Outpatient dialysis, infusion, chemotherapy and radiation therapy Outpatient rehabilitative services: physical, occupational or speech therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Outpatient habilitative services: physical, occupational or speech therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Maternity Services Prenatal visits Delivery and postnatal physician/provider visits Inpatient hospital/facility services Routine newborn nursery care Medical Equipment, Supplies and Devices Medical equipment, appliances, prosthetics/orthotics and supplies Diabetes supplies (such as lancets, test strips and needles) 50% Removable custom shoe orthotics (Limited to $200 per calendar year) Mental Health and Chemical Dependency (All services, except outpatient provider office visits, must be prior authorized. For information, please call 800-711-4577.) Inpatient and residential services Day treatment, intensive outpatient, and partial hospitalization services Outpatient provider visits PIC-OR 0119 IND HSA CHC 2 HSA-412 56707OR1420001-00

Your Benefit Summary Mental Health and Chemical Dependency (All services, except outpatient provider office visits, must be prior authorized. For information, please call 800-711-4577.) Applied Behavior Analysis Home Health and Hospice Home health care Hospice care Respite care (limited to members receiving Hospice care; limited to 5 consecutive days, up to 30 days per lifetime) Biofeedback Biofeedback for specified diagnosis (limited to 10 visits per lifetime) PIC-OR 0119 IND HSA CHC 3 HSA-412 56707OR1420001-00

Prescription Drugs Formulary J Up to a 30-Day Supply (From a participating retail, preferred or specialty pharmacy) 1 - Preferred generic 2 - Non-preferred generic 3 - Preferred brand-name 4 - Non-preferred brand-name 5 - Preferred specialty 6 - Non-preferred specialty 90- Day Supply (From a participating mail order or preferred retail pharmacy) 1 - Preferred generic 2 - Non-preferred generic 3 - Preferred brand-name 4 - Non-preferred brand-name Pharmacies Your prescription drug benefit requires that you fill your prescriptions at a participating pharmacy. There are four types of participating pharmacies: Retail: a participating pharmacy that allows up to a 30-day supply as outlined in your handbook of short-term and maintenance prescriptions. Preferred Retail: a participating pharmacy that allows up to a 90-day supply of maintenance prescriptions and access to up to a 30-day supply of short-term prescriptions. Specialty: a participating pharmacy that allows up to a 30-day supply of specialty and self-administered chemotherapy prescriptions. These prescriptions require special delivery, handling, administration and monitoring by your pharmacist. Mail Order: a participating pharmacy that allows up to a 90-day supply of maintenance prescriptions and specializes in direct delivery to your home. To order prescriptions by mail, your provider may call in the prescription or you can mail your prescription along with your member identification number to one of our participating mail-order pharmacies. View a list of our participating pharmacies www.providencehealthplan.com/planpharmacies. Using your prescription drug benefit To find if a drug is covered under your plan check online at www.providencehealthplan.com/pharmacy. Note that your plan s formulary includes ACA Preventive drugs which are medications that are covered at no cost when received from participating pharmacies as required by the Patient Protection and Affordable Care Act. FDA-approved women s contraceptives, as listed on your formulary, are covered at no cost for up to a 12- month supply, after a 3-month initial fill, at any participating pharmacy. You may purchase up to a 90-day supply of maintenance drugs using a participating mail-service or preferred retail pharmacy at 3 times the copay. Not all drugs are considered maintenance prescriptions, including compounded drugs and drugs obtained from specialty pharmacies. If your brand-name benefit includes a copayment or a coinsurance and you or your provider request or prescribe a brand-name drug when a generic is available, regardless of reason, you will be responsible for the cost difference between the brand-name and generic drug in addition to the brand-name drug copayment or coinsurance indicated on the benefit summary. Your total cost, however, will never exceed the actual cost of the drug. Approved non-formulary non-specialty drugs will be covered at the highest non-specialty tier. Approved nonformulary specialty drugs will be covered at the highest specialty cost sharing tier. Compounded medications are prescriptions that are custom prepared by your pharmacist. They must contain at least one FDA-approved drug to be eligible for coverage under your plan. Compounded medications are covered for up to a 30-day supply at a 0% coinsurance after the deductible. Claims are subject to clinical review for medical necessity and are not guaranteed for payment. PIC-OR 0119 IND HSA CHC 4 HSA-412 56707OR1420001-00

Prescription Drugs Formulary J Specialty drugs are prescriptions that require special delivery, handling, administration and monitoring by your pharmacist. Most specialty and chemotherapy drugs are only available at our designated specialty pharmacies. Certain drugs, devices, and supplies obtained from your pharmacy may apply towards your medical benefit. Diabetes supplies may be obtained at your participating pharmacy, and are subject to your medical supplies and devices' benefit limitations, and coinsurance. See your Member Contract for details. Some prescription drugs require prior authorization for medical necessity, place of therapy, length of therapy, step therapy, or number of doses. If a drug to treat your covered medical condition is not in the formulary, please contact us. Self-administered chemotherapy is covered under the Prescription Drug Benefit unless the Outpatient Chemotherapy coverage results in a lower out-of-pocket expense to you. Please refer to your Handbook for more information. Self-injectable medications are only covered when they are being self-administered and labeled by the FDA for self-administration; in some cases, a prior authorization may be required for the drug. Documentation of self-administration may also be required. Drugs labeled for self-administration that are being administered by a provider will fall to the member s medical benefit. Be sure you present your current Providence Health Plan member identification card. PIC-OR 0119 IND HSA CHC 5 HSA-412 56707OR1420001-00

Routine Vision Services Provided by VSP VSP Advantage Network (For customer service call 800-877-7195) Pediatric Vision Services (under age 19) Routine eye exam (limited to 1 exam per calendar year) Lenses (limited to 1 pair per calendar year) Single vision Lined bifocal Lined trifocal Lenticular lenses Frames (limited to 1 pair per calendar year; select from VSP s Otis & Piper Eyewear Collection) Contact lens services and materials in place of glasses Standard: 1 pair per calendar year (1 contact lens per eye) Monthly: 6 month supply per calendar year (6 lenses per eye) Bi-weekly: 3 month supply per calendar year (6 lenses per eye) Dailies: 3 month supply per calendar year (90 lenses per eye) PIC-OR 0119 IND HSA CHC 6 HSA-412 56707OR1420001-00

Explanation of terms and phrases ACA Preventive Drugs - ACA Preventive drugs are medications, including contraceptives, which are listed in our formulary, and are covered at no cost when received from Participating Pharmacies as required by the Patient Protection and Affordable Care Act (ACA). Over the counter preventive drugs received from Participating Pharmacies cannot be covered in full without a written prescription from your Qualified Practitioner. Annual Limit on Cost-sharing - The maximum amount a member pays out-of-pocket per calendar year for innetwork essential health benefit covered services when two or more family members are enrolled in this plan. Coinsurance - The percentage of the cost that you may need to pay for covered services. Copay - The fixed dollar amount you pay to a healthcare provider for a covered service at the time care is provided. Deductible Individual - The Individual Deductible is the amount that applies when only one Member is enrolled in this plan, and is the amount that must be paid by the Member before the plan pays for any Covered Services for that member. Family - The Family Deductible is the amount that applies when two or more family member are enrolled on the plan, and is the amount that must be paid by the Family Members before the plan pays for any Covered Service for any enrolled Family Member. All amounts paid by Family Members towards Covered Service apply toward the Family Deductible. When the deductible is met, the Plan will begin pay for Covered Services for all enrolled Family Members. Formulary - A formulary is a list of FDA-approved prescription drugs developed by physicians and pharmacists, designed to offer effective drug treatment choices for covered medical conditions. The Providence Health Plan formulary includes both brandname and generic medications. Health Savings Account (HSA) - A tax-exempt medical savings account available to taxpayers who are enrolled in a high-deductible health plan (HDHP) to be used for current and future health care expenses. Contributions can be deducted pre-tax from paychecks, and the money rolls over year to year and stays with the member even with job changes and retirement. In-network - Refers to services received from an extensive network of highly qualified physicians, health care providers and facilities contracted by Providence Health Plan for your specific plan. Generally, your out-of-pocket costs will be less when you receive covered services from in-network providers. Limitations and Exclusions - All covered services are subject to the limitations and exclusions specified for your plan. Refer to your member handbook or contract for a complete list. Maintenance Prescriptions - Medications that are typically prescribed to treat long-term or chronic conditions, such as diabetes, high blood pressure and high cholesterol. Maintenance drugs are those that you have received under our plan for at least 30 days and that you anticipate continuing to use in the future. Compounded and specialty medications are excluded from this definition; and are limited to a 30 day supply. Medical Home - A full service healthcare clinic which has been designated as a Medical Home providing and coordinating members medical care. Medical Home Referral - A referral from your Medical Home to receive services from an in-network provider that is not part of your Medical Home. Non-Formulary Medication - An FDA-approved drug, generic or brand-name, that is not included in the list of approved formulary medications. These prescriptions require a prior authorization by the health plan and, if approved, will pay at either the highest non-specialty or specialty cost sharing tier. Out-of-pocket maximum Individual - The Individual Out-of-Pocket Maximum applies when only one Member is enrolled in this plan, and is the total amount of Copayments, Coinsurance and Deductible that a Member must pay for specified covered services before the plan begins to pay 100% for Covered Services for that Member. Family - The Family Out-of-Pocket Maximum applies when two or more Family Members are enrolled in this plan, and is the total amount of Copayments, Coinsurance and Deductible that a family must pay for specified covered services before the plan begins to pay 100% for any enrolled Family Member. The Family Out-of-Pocket Maximum can be met by the combined expenses of enroll Family Members. Once the Family Out-of-Pocket Maximum is met, the plans will begin to pay 100% for Covered Services for enrolled Family Members. Primary Care Provider - A qualified physician or practitioner that can provide most of your care and, when necessary, will coordinate care with other providers in a convenient and cost-effective manner. Preferred brand-name drugs/non-preferred brandname drugs - Brand-name drugs are protected by U.S. patent laws and only a single manufacturer has the rights to produce and sell them. Your benefits include drugs listed on our formulary as preferred brand-name or non-preferred brand-name drugs. Generally your out-of-pocket costs will be less for preferred brandname drugs. PIC-OR 0119 IND HSA CHC 7 HSA-412 56707OR1420001-00

Explanation of terms and phrases Preferred generic drugs/non-preferred generic drugs - Generic drugs have the same active-ingredient formula as the brand-name drug. Generic drugs are usually available after the brand-name patent expires. Your benefits include drugs listed on our formulary as preferred and non-preferred generic drugs. Generally your out-of-pocket costs will be less for preferred drugs. Preferred specialty drugs/non-preferred specialty drugs - Specialty drugs are injectable, infused, oral, topical, or inhaled therapies that often require specialized delivery, handling, monitoring and administration and are generally high cost. These drugs must be purchased through our designated specialty pharmacy. Due to the nature of these medications, specialty drugs are limited to a 30-day supply. Your benefits include drugs listed on our formulary as preferred specialty or non-preferred specialty drugs. Generally your out-of-pocket costs will be less for preferred specialty drugs. Prescription drug prior authorization - The process used to request an exception to the Providence Health Plan drug formulary. This process can be initiated by the prescriber of the medication or the member. Some drugs require prior authorization for medical necessity, place of therapy, length of therapy, step therapy or number of doses. Visit us online for additional information at www.providencehealthplan.com. Prior authorization - Some services must be preapproved. In-network, your provider will request prior authorization. Out-of-network, you are responsible for obtaining prior authorization. Safe Harbor Preventive drugs - The safe harbor drug list is made up of medications that Providence Health Plan has selected, with the guidance of our Clinical Pharmacy Division. These are first-line medications that may prevent the onset of a disease or condition when taken by a person who has developed risk factors for the disease or condition that has not yet manifested itself or has not become clinically apparent, or may prevent the recurrence of a disease or condition from which a person has recovered. Safe Harbor Preventive drugs are subject to formulary and tier status, as well as pharmacy management programs such as prior authorization, step therapy and/or quantity limits. The IRS definition of safe harbor is contained in Notice 2004-23, section 223 (c) (2) (C). Retail Health Clinic - A walk-in health clinic, other than an office, urgent care facility, pharmacy or independent clinic that is located within a retail operation. A Retail Health Clinic provides same-day visits for basic illness and injuries or preventive services. Web-direct Visit - A consultation with Network Provider using an online questionnaire to collect information to diagnose and treat common conditions such as cold, flu, sore throat, allergies, earaches, sinus pain or UTI. Currently Web-direct visits are offered only by Providence Medical Group providers. Virtual visit - Visit with a Network Provider using secure internet technology such as Providence Express Care phone and video visits-(where available). Contact us Portland Metro Area: 503-574-7500 All other areas: 800-878-4445 TTY:711 www.providencehealthplan.com/contactus PIC-OR 0119 IND HSA CHC 9 HSA-412 56707OR1420001-00

Your Benefit Summary Oregon Standard Bronze Plan - Choice Network Providence Choice Network Individual Calendar Year Deductible (family amount is 2 times individual) $6,550 Individual Out-of-Pocket Maximum (family amount is 2 times individual) $6,550 This amount includes the deductible. Important information about your plan This summary provides only highlights of your benefits. To view your plan details, register and login at www.myprovidence.com. Once you have registered, you can select your Medical Home online or by calling customer service. This plan provides benefits only for medically necessary services when provided by physicians or providers in your Medical Home. The only exception is Emergency Care and Urgent Care services. Referrals are required. Some services and penalties do not apply to the out-of-pocket maximum. Prior authorization is required for some services. View a list of in-network providers and pharmacies at www.providencehealthplan.com/providerdirectory. Limitations and exclusions apply. See your contract for details. On-Demand Visits Virtual visits (such as Providence Express Care Virtual, phone and video PCP visits or by Web-direct visits where available) Providence Express Care Retail Health Clinic visits Virtual phone and video visits to a specialist Preventive Care Periodic health exams and well-baby care Routine immunizations and shots Colonoscopy (preventive, age 50+) Gynecological exams (1 per calendar year), breast exams and Pap tests Mammograms Nutritional Counseling Tobacco cessation, counseling/classes and deterrent medications Physician/Professional Services Office visits to a Primary Care Provider Office visits to an Alternative Care Provider (such as naturopath) (Chiropractic manipulation and acupuncture services are not covered) Office visits to specialists Inpatient hospital visits Allergy shots and allergy serums, injectable and infused medications Surgery and anesthesia in an office or facility Diagnostic Services X-ray, lab and testing services (includes ultrasound) High-tech imaging services (such as PET, CT or MRI) Sleep studies PIC-OR 0119 IND STN CHC 1 CHC-272 56707OR1400001-00

Your Benefit Summary Emergency Care and Urgent Care Services Emergency services (Deductible applies) (For emergency medical conditions only. If admitted to the hospital, all services subject to inpatient benefits.) In-Network Out-of-Network Emergency medical transportation (air and/or ground) (Emergency transportation is covered regardless of whether or not the provider is an in-network provider.) Urgent care visits (for non-life threatening illness/minor injury) In-Network Out-of-Network Hospital Services Inpatient/Observation care Skilled nursing facility (limited to 60 days per calendar year) Inpatient rehabilitative care (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Inpatient habilitative care (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Outpatient Services Outpatient surgery at an ambulatory surgery center or at a hospital- based facility Colonoscopy (non-preventive) at an ambulatory surgery center or a hospital based facility Outpatient dialysis, infusion, chemotherapy and radiation therapy Outpatient rehabilitative services: physical, occupational or speech therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Outpatient habilitative services: physical, occupational or speech therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Maternity Services Prenatal visits Delivery and postnatal physician/provider visits Inpatient hospital/facility services Routine newborn nursery care Medical Equipment, Supplies and Devices Medical equipment, appliances, prosthetics/orthotics and supplies Diabetes supplies (such as lancets, test strips and needles) Removable custom shoe orthotics Mental Health and Chemical Dependency (All services, except outpatient provider office visits, must be prior authorized. For information, please call 800-711-4577.) Inpatient and residential services Day treatment, intensive outpatient, and partial hospitalization services Outpatient provider visits PIC-OR 0119 IND STN CHC 2 CHC-272 56707OR1400001-00

Your Benefit Summary Mental Health and Chemical Dependency (All services, except outpatient provider office visits, must be prior authorized. For information, please call 800-711-4577.) Applied Behavior Analysis Home Health and Hospice Home health care Hospice care Respite care (limited to members receiving Hospice care; limited to 5 consecutive days, up to 30 days per lifetime) Biofeedback Biofeedback for specified diagnosis (limited to 10 visits per lifetime) PIC-OR 0119 IND STN CHC 3 CHC-272 56707OR1400001-00

Your Benefit Summary Connect 2500 Silver Providence Connect Network Individual Calendar Year Deductible (family amount is 2 times individual) $2,500 Individual Out-of-Pocket Maximum (family amount is 2 times individual) $7,900 This amount includes the deductible. Important information about your plan This summary provides only highlights of your benefits. To view your plan details, register and login at www.myprovidence.com. Once you have registered, you can select your Medical Home online or by calling customer service. This plan provides benefits only for medically necessary services when provided by physicians or providers in your Medical Home. The only exception is Emergency Care and Urgent Care services. Referrals are required. Some services and penalties do not apply to the out-of-pocket maximum. Prior authorization is required for some services. View a list of in-network providers and pharmacies at www.providencehealthplan.com/providerdirectory. Limitations and exclusions apply. See your contract for details. On-Demand Visits Virtual visits (such as Providence Express Care Virtual, phone and video PCP visits or by Web-direct visits where available) Providence Express Care Retail Health Clinic visits Virtual phone and video visits to a specialist Preventive Care Periodic health exams and well-baby care Routine immunizations and shots Colonoscopy (preventive, age 50+) Gynecological exams (1 per calendar year), breast exams and Pap tests Mammograms Nutritional Counseling Tobacco cessation, counseling/classes and deterrent medications Physician/Professional Services Office visits to a Primary Care Provider Office visits to an Alternative Care Provider (such as naturopath) (Chiropractic manipulation and acupuncture services are covered separately from the office visit at the levels listed for those benefits.) Office visits to specialists Inpatient hospital visits 30% Allergy shots and allergy serums, injectable and infused medications 30% Surgery and anesthesia in an office or facility 30% Diagnostic Services $50 $45 $45 $65 X-ray, lab and testing services (includes ultrasound) 30% High-tech imaging services (such as PET, CT or MRI) 30% Sleep studies 30% PIC-OR 0119 IND PROV CNC 1 CNC-371 56707OR1380003-00

Your Benefit Summary Emergency Care and Urgent Care Services Emergency services (Deductible applies) (For emergency medical conditions only. If admitted to the hospital, all services subject to inpatient benefits.) In-Network $250 then 30% Out-of-Network $250 then 30% Emergency medical transportation (air and/or ground) 30% (Emergency transportation is covered regardless of whether or not the provider is an in-network provider.) Urgent care visits (for non-life threatening illness/minor injury) In-Network $75 Out-of-Network $75 Hospital Services Inpatient/Observation care 30% Skilled nursing facility (limited to 60 days per calendar year) 30% Inpatient rehabilitative care 30% (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Inpatient habilitative care 30% (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Outpatient Services Outpatient surgery at an ambulatory surgery center or at a hospital- 30% based facility Colonoscopy (non-preventive) at an ambulatory surgery center or a 30% hospital based facility Outpatient dialysis, infusion, chemotherapy and radiation therapy 30% Outpatient rehabilitative services: physical, occupational or speech 30% therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Outpatient habilitative services: physical, occupational or speech 30% therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Maternity Services Prenatal visits Delivery and postnatal physician/provider visits Certified nurse midwife 20% Primary Care Provider 20% OB/GYN Physician/Provider 30% All other licensed maternity providers 30% Inpatient hospital/facility services 30% Routine newborn nursery care 30% Medical Equipment, Supplies and Devices Medical equipment, appliances, prosthetics/orthotics and supplies 30% Diabetes supplies (such as lancets, test strips and needles) 30% Removable custom shoe orthotics 30% (Limited to $200 per calendar year) PIC-OR 0119 IND PROV CNC 2 CNC-371 56707OR1380003-00

Your Benefit Summary Mental Health and Chemical Dependency (All services, except outpatient provider office visits, must be prior authorized. For information, please call 800-711-4577.) Inpatient and residential services 30% Day treatment, intensive outpatient, and partial hospitalization services 30% Outpatient provider visits $45 Applied Behavior Analysis 30% Home Health and Hospice Home health care 30% Hospice care Respite care (limited to members receiving Hospice care; limited to 5 30% consecutive days, up to 30 days per lifetime) Biofeedback Biofeedback for specified diagnosis (limited to 10 visits per lifetime) 30% Chiropractic Manipulation and Acupuncture (Massage therapy not covered) (Copayments and coinsurance do not apply to your out-ofpocket maximums) Chiropractic manipulations and acupuncture (limited to 3 visits $25 combined per calendar year) Additional Cost Tier for Professional Services (Inpatient or Outpatient) (Additional cost tier does not apply to services related to cancer diagnosis/ treatment or tissue injuries resulting from an external force which require immediate repair. Prior authorization is required for some services.) Knee arthroscopy $500 then 30% Knee, hip resurfacing $500 then 30% Knee, hip replacement $500 then 30% Shoulder arthroscopy $500 then 30% Sinus Surgery (minor) $100 then 30% Sinus Surgery (major) $100 then 30% Spinal injections for pain $100 then 30% Spine procedures $500 then 30% Upper GI endoscopy $100 then 30% PIC-OR 0119 IND PROV CNC 3 CNC-371 56707OR1380003-00

Prescription Drugs Formulary J Up to a 30-Day Supply (From a participating retail, preferred or specialty pharmacy) 1 - Preferred generic $20 2 - Non-preferred generic $35 3 - Preferred brand-name $75 4 - Non-preferred brand-name 50% 5 - Preferred specialty 50% with $200 per script cap 6 - Non-preferred specialty 50% 90- Day Supply (From a participating mail order or preferred retail pharmacy) 1 - Preferred generic $60 2 - Non-preferred generic $105 3 - Preferred brand-name $225 4 - Non-preferred brand-name 50% Pharmacies Your prescription drug benefit requires that you fill your prescriptions at a participating pharmacy. There are four types of participating pharmacies: Retail: a participating pharmacy that allows up to a 30-day supply as outlined in your handbook of short-term and maintenance prescriptions. Preferred Retail: a participating pharmacy that allows up to a 90-day supply of maintenance prescriptions and access to up to a 30-day supply of short-term prescriptions. Specialty: a participating pharmacy that allows up to a 30-day supply of specialty and self-administered chemotherapy prescriptions. These prescriptions require special delivery, handling, administration and monitoring by your pharmacist. Mail Order: a participating pharmacy that allows up to a 90-day supply of maintenance prescriptions and specializes in direct delivery to your home. To order prescriptions by mail, your provider may call in the prescription or you can mail your prescription along with your member identification number to one of our participating mail-order pharmacies. View a list of our participating pharmacies www.providencehealthplan.com/planpharmacies. Using your prescription drug benefit To find if a drug is covered under your plan check online at www.providencehealthplan.com/pharmacy. Note that your plan s formulary includes ACA Preventive drugs which are medications that are covered at no cost when received from participating pharmacies as required by the Patient Protection and Affordable Care Act. FDA-approved women s contraceptives, as listed on your formulary, are covered at no cost for up to a 12- month supply, after a 3-month initial fill, at any participating pharmacy. You may purchase up to a 90-day supply of maintenance drugs using a participating mail-service or preferred retail pharmacy at 3 times the copay. Not all drugs are considered maintenance prescriptions, including compounded drugs and drugs obtained from specialty pharmacies. If your brand-name benefit includes a copayment or a coinsurance and you or your provider request or prescribe a brand-name drug when a generic is available, regardless of reason, you will be responsible for the cost difference between the brand-name and generic drug in addition to the brand-name drug copayment or coinsurance indicated on the benefit summary. Your total cost, however, will never exceed the actual cost of the drug. Approved non-formulary non-specialty drugs will be covered at the highest non-specialty tier. Approved nonformulary specialty drugs will be covered at the highest specialty cost sharing tier. Compounded medications are prescriptions that are custom prepared by your pharmacist. They must contain at least one FDA-approved drug to be eligible for coverage under your plan. Compounded medications are covered for up to a 30-day supply at a 50% after the deductible. Claims are subject to clinical review for medical necessity and are not guaranteed for payment. PIC-OR 0119 IND PROV CNC 4 CNC-371 56707OR1380003-00

Routine Vision Services Provided by VSP VSP Advantage Network (For customer service call 800-877-7195) Pediatric Vision Services (under age 19) Routine eye exam (limited to 1 exam per calendar year) Lenses (limited to 1 pair per calendar year) Single vision Lined bifocal Lined trifocal Lenticular lenses Frames (limited to 1 pair per calendar year; select from VSP s Otis & Piper Eyewear Collection) Contact lens services and materials in place of glasses Standard: 1 pair per calendar year (1 contact lens per eye) Monthly: 6 month supply per calendar year (6 lenses per eye) Bi-weekly: 3 month supply per calendar year (6 lenses per eye) Dailies: 3 month supply per calendar year (90 lenses per eye) Adult Vision Services (Copayments do not apply to your out-of-pocket maximums) Routine eye exam (limited to 1 exam per calendar year) $25 PIC-OR 0119 IND PROV CNC 6 CNC-371 56707OR1380003-00

Pediatric Dental Service (under age 19) For customer service, including dental prior authorizations and claims, call 800-878-4445. Preventive Routine Exams Two per every 12 months Bitewing X-rays Four per every 6 months Cleanings One per every 6 months Topical Fluoride One per every 6 months Fissure sealants One service per tooth (molar) per every 60 months Space Maintainers Basic Restorative fillings 50% Major Oral surgery (extractions and other minor surgical procedures) 50% Endodontics and Periodontics 50% Stainless Steel Crowns/Anterior Primary or Posterior Primary/ 50% Permanent One service per tooth in a 7-year period Porcelain Crowns 50% One service per tooth in a 7-year period for children ages 16 and older (limited to tooth numbers 6-11, 22 and 27 only) Denture and bridge work (construction or repair of fixed bridges, 50% partials and complete dentures) Limited to 1 every 10 years for complete dentures and 1 every 10 years for partials for members ages 16 and older PIC-OR 0119 IND PROV CNC 7 CNC-371 56707OR1380003-00

Your Benefit Summary Oregon Standard Silver Plan - Choice Network Providence Choice Network Individual Calendar Year Deductible (family amount is 2 times individual) $2,850 Individual Out-of-Pocket Maximum (family amount is 2 times individual) $7,900 This amount includes the deductible. Important information about your plan This summary provides only highlights of your benefits. To view your plan details, register and login at www.myprovidence.com. Once you have registered, you can select your Medical Home online or by calling customer service. This plan provides benefits only for medically necessary services when provided by physicians or providers in your Medical Home. The only exception is Emergency Care and Urgent Care services. Referrals are required. Some services and penalties do not apply to the out-of-pocket maximum. Prior authorization is required for some services. View a list of in-network providers and pharmacies at www.providencehealthplan.com/providerdirectory. Limitations and exclusions apply. See your contract for details. On-Demand Visits Virtual visits (such as Providence Express Care Virtual, phone and video PCP visits or by Web-direct visits where available) Providence Express Care Retail Health Clinic visits Virtual phone and video visits to a specialist Preventive Care Periodic health exams and well-baby care Routine immunizations and shots Colonoscopy (preventive, age 50+) Gynecological exams (1 per calendar year), breast exams and Pap tests Mammograms $65 Nutritional Counseling Tobacco cessation, counseling/classes and deterrent medications Physician/Professional Services Office visits to a Primary Care Provider $40 Office visits to an Alternative Care Provider (such as naturopath) (Chiropractic manipulation and acupuncture services are not covered) $80 Office visits to specialists $80 Inpatient hospital visits 30% Allergy shots and allergy serums, injectable and infused medications 30% Surgery and anesthesia in an office or facility 30% Diagnostic Services X-ray, lab and testing services (includes ultrasound) 30% High-tech imaging services (such as PET, CT or MRI) 30% Sleep studies 30% PIC-OR 0119 IND STN CHC 1 CHC-265 56707OR1330002-00

Your Benefit Summary Emergency Care and Urgent Care Services Emergency services (Deductible applies) (For emergency medical conditions only. If admitted to the hospital, all services subject to inpatient benefits.) In-Network 30% Out-of-Network 30% Emergency medical transportation (air and/or ground) 30% (Emergency transportation is covered regardless of whether or not the provider is an in-network provider.) Urgent care visits (for non-life threatening illness/minor injury) In-Network $70 Out-of-Network $70 Hospital Services Inpatient/Observation care 30% Skilled nursing facility (limited to 60 days per calendar year) 30% Inpatient rehabilitative care 30% (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Inpatient habilitative care 30% (Limited to 30 days per calendar year; 60 days for head/spinal injuries. Limits do not apply to Mental Health Services.) Outpatient Services Outpatient surgery at an ambulatory surgery center or at a hospital- 30% based facility Colonoscopy (non-preventive) at an ambulatory surgery center or a 30% hospital based facility Outpatient dialysis, infusion, chemotherapy and radiation therapy 30% Outpatient rehabilitative services: physical, occupational or speech $40 therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Outpatient habilitative services: physical, occupational or speech $40 therapy (Limited to 30 visits per calendar year; up to 30 additional visits per specified condition. Limits do not apply to Mental Health Services.) Maternity Services Prenatal visits Delivery and postnatal physician/provider visits 30% Inpatient hospital/facility services 30% Routine newborn nursery care 30% Medical Equipment, Supplies and Devices Medical equipment, appliances, prosthetics/orthotics and supplies 30% Diabetes supplies (such as lancets, test strips and needles) Removable custom shoe orthotics 30% Mental Health and Chemical Dependency (All services, except outpatient provider office visits, must be prior authorized. For information, please call 800-711-4577.) Inpatient and residential services 30% Day treatment, intensive outpatient, and partial hospitalization services 30% Outpatient provider visits $40 PIC-OR 0119 IND STN CHC 2 CHC-265 56707OR1330002-00

Your Benefit Summary Mental Health and Chemical Dependency (All services, except outpatient provider office visits, must be prior authorized. For information, please call 800-711-4577.) Applied Behavior Analysis 30% Home Health and Hospice Home health care 30% Hospice care 30% Respite care (limited to members receiving Hospice care; limited to 5 30% consecutive days, up to 30 days per lifetime) Biofeedback Biofeedback for specified diagnosis (limited to 10 visits per lifetime) $40 PIC-OR 0119 IND STN CHC 3 CHC-265 56707OR1330002-00

Prescription Drugs Formulary J Up to a 30-Day Supply (From a participating retail, preferred or specialty pharmacy) 1 - Preferred generic $15 2 - Non-preferred generic $15 3 - Preferred brand-name $60 4 - Non-preferred brand-name 50% 5 - Preferred specialty 50% 6 - Non-preferred specialty 50% 90- Day Supply (From a participating mail order or preferred retail pharmacy) 1 - Preferred generic $45 2 - Non-preferred generic $45 3 - Preferred brand-name $180 4 - Non-preferred brand-name 50% Pharmacies Your prescription drug benefit requires that you fill your prescriptions at a participating pharmacy. There are four types of participating pharmacies: Retail: a participating pharmacy that allows up to a 30-day supply as outlined in your handbook of short-term and maintenance prescriptions. Preferred Retail: a participating pharmacy that allows up to a 90-day supply of maintenance prescriptions and access to up to a 30-day supply of short-term prescriptions. Specialty: a participating pharmacy that allows up to a 30-day supply of specialty and self-administered chemotherapy prescriptions. These prescriptions require special delivery, handling, administration and monitoring by your pharmacist. Mail Order: a participating pharmacy that allows up to a 90-day supply of maintenance prescriptions and specializes in direct delivery to your home. To order prescriptions by mail, your provider may call in the prescription or you can mail your prescription along with your member identification number to one of our participating mail-order pharmacies. View a list of our participating pharmacies www.providencehealthplan.com/planpharmacies. Using your prescription drug benefit To find if a drug is covered under your plan check online at www.providencehealthplan.com/pharmacy. Note that your plan s formulary includes ACA Preventive drugs which are medications that are covered at no cost when received from participating pharmacies as required by the Patient Protection and Affordable Care Act. FDA-approved women s contraceptives, as listed on your formulary, are covered at no cost for up to a 12- month supply, after a 3-month initial fill, at any participating pharmacy. You may purchase up to a 90-day supply of maintenance drugs using a participating mail-service or preferred retail pharmacy at 3 times the copay. Not all drugs are considered maintenance prescriptions, including compounded drugs and drugs obtained from specialty pharmacies. If your brand-name benefit includes a copayment or a coinsurance and you or your provider request or prescribe a brand-name drug when a generic is available, regardless of reason, you will be responsible for the cost difference between the brand-name and generic drug in addition to the brand-name drug copayment or coinsurance indicated on the benefit summary. Your total cost, however, will never exceed the actual cost of the drug. Approved non-formulary non-specialty drugs will be covered at the highest non-specialty tier. Approved nonformulary specialty drugs will be covered at the highest specialty cost sharing tier. Compounded medications are prescriptions that are custom prepared by your pharmacist. They must contain at least one FDA-approved drug to be eligible for coverage under your plan. Compounded medications are covered for up to a 30-day supply at a 50% after the deductible. Claims are subject to clinical review for medical necessity and are not guaranteed for payment. PIC-OR 0119 IND STN CHC 4 CHC-265 56707OR1330002-00