HumanaOne. Short Term Medical 80/60. About your plan. Nebraska. HumanaOne Short Term Medical plans: Right plan, right time

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HumanaOne Short Term Medical 80/60 Nebraska About your plan HumanaOne Short Term Medical plans: Right plan, right time HumanaOne s Short Term Medical plans can help protect you and your family if you find yourself without health insurance. You can choose the plan you need and have coverage for unexpected illness, injuries and accidents until you receive permanent coverage. This plan is available for a minimum of 30 days and a maximum of twelve months. It s an ideal choice if you re: a student or recent graduate between jobs waiting for employer benefits to begin without coverage due to job or life changes a part-time, temporary or seasonal employee retired and waiting for Medicare eligibility HumanaOne Short Term Medical plans offer: Coverage you need: All of HumanaOne s Short Term Medical plans include coverage for doctor office visits (for illness and injury), inpatient and outpatient procedures, emergency services, and prescription drugs. Coverage when you need it: If you are eligible you can receive coverage as quickly as the day after applying. You don t have to wait weeks for the coverage you need today. Choice of deductibles: We offer a range of deductibles on our Short Term Medical plans to ensure you get the coverage you need at a price you can afford. Network savings: With these short term plans, you have access to a large network of doctors, whether you are at home or traveling. It s likely the physicians you currently use are already among our network providers. Keep in mind that you ll receive the most savings when visiting network providers, but you re still covered for most services if you choose to visit a non-network provider. Service you can rely on: You will be well-taken care of at HumanaOne. Every step of the way has been designed to provide you with a simple and hassle-free experience. Page 1 of 6

HumanaOne Short Term Medical 80/60 plan Nebraska How your plan works The details below give you a general idea of covered benefits for this plan and don t explain everything. To be covered, expenses must be medically necessary and listed as covered in the plan certificate. The plan certificate is a document which outlines the benefits, provisions, and limitations of the plan. Please refer to a certificate for this plan for the actual terms and conditions of the plan. This plan also has limitations and services that are not covered. You should know about these. See page 4 for details. Choose your medical deductible The amount of covered expenses you ll pay out of your pocket before your plan begins to pay IN-network out-of-network Individual: Family: Individual: Family: Important to know: The $500 deductible is only available for plans six months or less in duration $500 $1,000 $1,000 $2,000 $1,000 $2,000 $2,000 $4,000 Deductibles are per benefit period Once two family members meet their individual deductible, the family deductible will be met for all other family members $2,500 $5,000 $5,000 $10,000 $5,000 $10,000 $10,000 $20,000 Your payment toward your out-of-network deductible is not credited to your in-network deductible Coinsurance The percentage of covered healthcare costs you have to pay while covered under this plan Your out-of-pocket maximum The amount you re required to pay toward the covered cost of your healthcare; premium, and deductibles don t apply You pay 20% of covered expenses after you pay your deductible You pay 40% of covered expenses after you pay your deductible $2,000 $4,000 $8,000 $16,000 Important to know: When you obtain care from non-network providers, your out-of-pocket costs are not credited to the out-of-pocket maximum for network providers Out-of-pocket maximum is per benefit period Lifetime maximum The total amount your plan will pay for covered expenses in your lifetime $2,000,000 per covered person Page 2 of 6

HumanaOne Short Term Medical 80/60 plan How your plan works Preventive care includes preventive: office visits, lab, X-ray, child immunizations to age 18, Pap smear, prostate screening, endoscopic services and mammogram Colorectal cancer screening (includes exam and lab tests) Physician services includes: office visits (including allergy injections), diagnostic lab and X-ray, allergy testing, allergy serum, inpatient and outpatient services and surgery Inpatient hospital and outpatient services Emergency services Mental health, chemical and alcohol dependency includes inpatient services, outpatient and office therapy services Other medical services Skilled nursing facility (up to 30 days per benefit period) Home health care (up to 40 visits per benefit period) Physical, occupational, cognitive, speech, audiology, cardiac, and respiratory therapy, spinal manipulations, adjustments, and modalities (combined, up to 10 visits per benefit period) IN-network You pay 20% after you out-of-network Hospice Transplant services when you receive services from a Humana Transplant Network provider Prescription drug. Plan pays up to $35,000 per transplant Important to know: Mail order is not available If you use an out-of-network pharmacy, you ll need to pay the full cost up front and then ask Humana to pay you back by submitting a claim Prescription drug deductible is integrated with your medical deductible and out-of-pocket maximum Page 3 of 6

Network agreement Network providers agree to accept amounts negotiated with Humana as payment in full. The member is responsible for any required deductible or coinsurance. Plan benefits paid to non-network providers are based on maximum allowable fees, as defined in your certificate. Non-network providers may balance bill you for charges in excess of the maximum allowable fee. You will be responsible for charges in excess of the maximum allowable fee in addition to any applicable deductible, coinsurance, or copayment. Additionally, any amount you pay the provider in excess of the maximum allowable fee will not apply to your out-of-pocket limit or deductible. Network primary care and specialist physicians and other providers in Humana s networks are not the agents, employees or partners of Humana or any of its affiliates or subsidiaries. They are independent contractors. Humana is not a provider of medical services. Humana does not endorse or control the clinical judgement or treatment recommendations made by the physicians or other providers listed in-network directories or otherwise selected by you. Limitations and exclusions (things that are not covered) This is an outline of the limitations and exclusions for the HumanaOne plan listed above. It is designed for convenient reference. Consult the certificate for a complete list of limitations and exclusions. Your certificate is not renewable. Eligibility The issue ages for HumanaOne individual health plans are 30 days to 64 years 11 months. The maximum age for a dependent child is 29 years. Pre-existing conditions A pre-existing condition is a sickness or bodily injury which was diagnosed or treated, or which produced signs or symptoms during the 5-year period before the covered person s effective date of coverage. No benefits are payable for any pre-existing condition or any complication of a pre-existing condition. HIPAA eligibility If you recently lost group coverage through your employer and you have a pre-existing medical condition, a short term plan may not be ideal for you. If you purchase a short term plan instead of electing COBRA, you ll become ineligible for other guarantee-issue plans that are available through your state. Other expenses not covered Unless stated otherwise no benefits are payable for expenses arising from: 1. Conditions which first manifested during a prior Short Term Medical certificate issued by us. 2. Services for a condition for which claims were submitted under a prior Short Term Medical certificate issued by us. 3. Services not medically necessary or which are experimental, investigational or for research purposes. 4. Services not authorized or prescribed by a healthcare practitioner or for which no charge is made. 5. Services while confined in a hospital or other facility owned or operated by the United States government, provided by a person who ordinarily resides in the covered person s home or who is a family member, or that are performed in association with a service that is not covered under the certificate. 6. Charges in excess of the maximum allowable fee or which exceed any benefit maximum. 7. Hospice services. 8. Expenses incurred before the effective date. 9. Expense incurred after the date coverage is terminated except as provided under the Extension of Benefits. 10. Cosmetic procedures and any related complications except as stated in the certificate. 11. Custodial or maintenance care. 12. Preventive care services except as stated in the certificate. 13. Any drug, medicine or device which is not FDA approved. 14. Contraceptives, including oral and transdermal, whether medication or device. 15. Medications, drugs or hormones to stimulate growth. 16. Legend drugs not recommended or deemed necessary by us or drugs prescribed for a non-covered bodily injury or sickness. 17. Drugs prescribed for intended use other than for indications approved by the FDA or recognized off-label indications through peer-reviewed medical literature; experimental or investigational use drugs. 18. Over the counter drugs (except insulin) or drugs available in prescription strength without a prescription. 19. Drugs used in treatment of nail fungus. 20. Prescription refills exceeding the number specified by the healthcare practitioner or dispensed more than one year from the date of the original order. 21. Vitamins, dietary products and any other non-prescription supplements. 22. Infertility services. 23. Pregnancy and well-baby expenses. 24. Elective medical or surgical procedures; sterilization, including tubal ligation and vasectomy; reversal of sterilization; abortion; gender change or sexual dysfunction. Page 4 of 6

25. Vision therapy; all types of refractive keratoplasty or any other procedures, treatments or devices for refractive correction; eyeglasses; contact lenses; hearing aids; dental exams. 26. Hearing and eye exams; routine physical examinations for occupation, employment, school, travel, purchase of insurance or premarital tests. 27. Services received at an emergency room unless required because of emergency care. 28. Dental services (except for dental injury), appliances or supplies. 29. War or any act of war, whether declared or not, commission or attempt to commit a civil or criminal battery or felony. 30. Standby physician or assistant surgeon, unless medically necessary; private duty nursing; communication or travel time; lodging or transportation except as stated in the certificate. 31. Any treatment for the purpose of reducing obesity or any use of obesity reduction procedures to treat sickness or bodily injury caused by, complicated by or exacerbated by obesity, including but not limited to surgical procedures. 32. Nicotine habit or addiction; educational or vocational therapy, services and schools; light treatment for Seasonal Affective Disorder (S.A.D.); alternative medicine; marital counseling; genetic testing, counseling or services; sleep therapy or services rendered in a premenstrual syndrome clinic or holistic medicine clinic. 33. Foot care services. 34. Any treatment for mental health, including but not limited to prescription drugs. 35. Charges for non-medical purposes or used for environmental control or enhancement (whether or not prescribed by a healthcare practitioner). 36. Health clubs or health spas, aerobic and strength conditioning, work hardening programs and related material and products for these programs; personal computers and related or similar equipment; communication devices other than due to surgical removal of the larynx or permanent lack of function of the larynx. 37. Hair prosthesis, hair transplants or wigs. 38. Temporomandibular joint disorder, craniomaxillary disorder, craniomandibular disorders and any treatment for jaw, joint or head and neck. 39. Surgical treatment for hernia or removal of tonsils and/or adenoids unless the condition requires emergency care. 40. Surgical treatment for bunions, varicose veins or hemorrhoids. 41. Bodily injury and sickness arising out of the course of any occupation, employment or activity for compensation, profit or gain, whether or not benefits are available under Workers Compensation. 42. Inpatient services when in an observation status or when the stay is due to behavioral, social maladjustment, lack of discipline or other antisocial actions. 43. Attempted suicide or intentionally selfinflicted injury, whether sane or insane. 44. Charges covered by other medical payments insurance. 45. Organ transplants not approved based on established criteria or investigational, experimental or for research purposes. 46. Charges incurred for a hospital stay beginning on a Friday or Saturday unless due to emergency care or surgery is performed on the day admitted. 47. Treatment for complications of noncovered procedure or service. Extension of Benefits: Extension of Benefits provision will apply (for no additional premium) with Short Term Medical plans under the following conditions: 1. You have met your deductible and are totally disabled, coverage for the disabling condition continues, but not beyond the earliest of the following dates: a) The date on which you are no longer continuously confined in a hospital; b) the date your provider certifies you are no longer totally disabled; c) the date any maximum benefit or your individual lifetime maximum is met; d) the last day of a 12 consecutive month period following the expiration of your plan; e) the earliest date permitted by law. 2. You have met your deductible and are being treated for complications of, or need follow-up treatment for, a sickness that commenced or a bodily injury sustained while the certificate was in effect. A $1,000 maximum benefit may be available for expenses incurred during a period of not more than 60 days beyond the expiration date of coverage. Page 5 of 6

Important information about Association plans: The Association, Peoples Benefit Alliance, is a membership organization that provides educational information and discounts on goods and services to its members. Membership in the Peoples Benefit Alliance is required, at an additional cost, in order to be eligible to apply for this health plan. Insured by Humana Insurance Company Applications are subject to approval. Limitations and exclusions apply. This document contains a general summary of covered benefits, exclusions and limitations. Please refer to the certificate for the actual terms and conditions that apply. In the event there are discrepancies with the information given in this document, the terms and conditions of the certificate will govern. Page 6 of 6