Get to know your benefits.

9126775.1 8/19 19-13383 Welcome & Agenda

• 2021 Medical Plan Changes & Options • How to find a Network Provider • Pharmacy Benefit • Health Savings Accounts (HSAs) • Flexible Spending Accounts (FSAs) • Health Resources

Knowing your benefits helps you make more informed decisions.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126775.1 8/19 19-13383 2 Medical plan changes for 2021

Choice Plus Savings Plan: • Decrease In Network Deductible from $3,500 individual/$7,000 family to $3,000 individual/$6000 family • Change In Network Coinsurance from 100% to 90% • Increase In Network Out of Pocket from $3,500 individual/$7,000 family to $4,000 individual/$8,000 family • Decrease Out of Network Deductible from $7,000 individual/$14,000 to $5,000 individual/$10,000 family

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Choice Exclusive plan (EPO): • Increase In Network Out of Pocket maximum from $2,500 individual/$5,000 family to $3,000 individual/$6,000 family • Increase Pharmacy Copays from $0/$40/$80 to $10/$45/$90

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Choice Plus Preferred (PPO) • Change In Network Coinsurance from 100% to 90% • Change $300 Inpatient Hospital Copay and $150 Outpatient Surgery Copay to deductible and 90% coinsurance • Increase In Network Out of Pocket Maximum from $2,500 individual/$5,000 family to $3,000 individual/$6000 family • Increase Office Copays from $20/$40 to $25/$50 • Change Out of Network Coinsurance from 80% to 70% • Increase Out of Network Out of Pocket Max from $5,000 individual/$10,000 family to $6,000 individual/$12,000 family • Increase Pharmacy Copays from $0/$40/$80 to $10/$45/$90

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 3 Employee Contributions - 2021

2021 Rates Choice Plus Preferred Plan (PPO) EE only $100.00 EE + 1 $215.00 EE + 2 $280.00 Family $382.55

Choice Exclusive Plan (EPO) EE only $70.00 EE + 1 $155.00 EE + 2 $200.00 Family $287.71

Choice Plus Savings Plan EE only $0.00 EE + 1 $23.48 EE + 2 $35.21 Family $46.95

For help deciding which plan to choose, you can access Alex, your interactive benefits counselor at https://www.myalex.com/commvault/2021

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 4 Common medical terms.

Copayment Coinsurance A fixed amount of money you pay The percentage you pay as a provider for a covered visit your share of a covered health or prescription. care service.

Deductible Out-of-pocket limit The amount you’ll need to pay The most you could pay during a coverage before your plan starts to pay period (January 1 to December 31) for your for covered services. cost share of covered services. After you meet this limit, the plan will usually pay 100 percent of the allowed amount.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126827 5/19 19-12448 5 Medical – Comparing the plans

Your in-network costs: Choice Plus Choice Exclusive Choice Plus Savings Plan Plan (EPO) Preferred Plan (PPO) Annual Deductible $3,000/$6,000* $0 $500/$1,000 (Single/Family) Preventive Plan Coinsurance 90% 100% 90% care is 100% payable under Preventive care 100% 100% 100% all plans*** (deductible does not apply) Doctors office visits 10% after deductible $20 PCP $25 PCP $40 Spec $50 Spec Emergency room 10% after deductible $150 $150 Once you meet Inpatient Hospital 10% after deductible $300 10% after deductible your out of pocket Annual out-of-pocket 4,000/$8,000** $3,000/$6,000 $3,000/$6,000 maximum, your maximum eligible claims (Single/Family) are paid at *If you have 2 or more members in the family, you must meet the family deductible before benefits begin. 100% for the **If you have 2 or more members in the family, you must meet the family out-of-pocket before benefits balance of the begin. year. *** For more information on preventive care visit www.uhcpreventivecare.com

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 6 Preventive care is covered 100 percent in our network under all plans

This includes: • Immunizations. • Age-appropriate preventive exams and health screenings.

For more information, check your plan documents. For a list of preventive care guidelines, visit uhc.com/preventivecare 7

9126775.1 8/19 19-13383 Covered preventive care.

• One physical checkup every year. • One OB/GYN checkup every year (Pap smear). • One breast cancer screening every year (mammogram) starting at age 40. • Birth control (Tier 1). • Shots for measles or other childhood diseases, including flu shots. • One colonoscopy every 5 years starting at age 50.

Please read your plan documents. Additional information such as benefit details, plan limitations and exclusions, and the costs of coverage can be found in the Summary of Benefits.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 8 Want to save money? Use network providers.

Network providers help you save money because they provide services at a contracted rate.

UnitedHealthcare’s Covered services networks include: include1:

1,123,000+ Doctor office visits physicians and health care professionals* 5,773+ Prescription drugs hospitals*

67,000+ Hospital care pharmacies** And more

*UnitedHealthcare internal analysis Q1 2020 **As of 3/31/17. Facts 2017 Q1 UnitedHealth Group. 1 This is not the complete list of covered services. For more details, see your official health plan documents.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126775.1 7/20 19-13383 3 easy ways to find a network provider.

Look for the “Find a Doctor” 1 button on myuhc.com®.

Call the number on your 2 health plan ID card.

Search using the 3 UnitedHealthcare® mobile app.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126775.1 8/19 19-13383 10 Searching our network.

If you are not a member yet you can check for your providers on our website myuhc.com

Select the Choice network if you are choosing the Choice 1 Exclusive plan (EPO). Select the Choice Plus network if you are choosing the Choice Plus Savings or Choice Plus Preferred plan (PPO).

Search by name, location 2 and specialty.

Find Your Doctor

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 11 Pharmacy Benefit Prescriptions

1220157 5/19 19-12448 Your covered medications.

OptumRx® is your UnitedHealthcare® plan’s pharmacy care services manager.

OptumRx is committed to helping provide you with safer, easier and lower-cost ways to get the medication you need.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 1220157 5/19 19-12448 13 How we cover prescriptions.

The UnitedHealthcare Prescription Drug List (PDL) is a list of commonly prescribed medications covered by the plan. Medications are placed into tiers that represent the cost you pay out of pocket.

TIER TIER TIER 1 2 3

• Lower-cost medications. • Mid-range cost. • Higher-cost medications. • Highest overall value. • Good overall value. • Lowest overall value. • Mostly generics. • Mix of brands and generics. • Mostly brands.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 1220157 5/19 19-12448 14 Prescription Drug Coverage

Your Costs:

Choice Plus Choice Plus Choice Plus Savings Plan Exclusive Plan (EPO) Preferred Plan (PPO)

Retail Prescription Drugs (31 day supply) Tier 1 90% after deductible* $10 copayment $10 copayment Tier 2 90% after deductible $45 copayment $45 copayment Tier 3 90% after deductible $90 copayment $90 copayment Mail Order Prescription Drugs (90 day supply)

Tier 1 90% after deductible* $20 copayment $20 copayment Tier 2 90% after deductible $90 copayment $90 copayment Tier 3 90% after deductible $180 copayment $180 copayment

* Certain Tier 1 preventive maintenance drugs and are not subject to the deductible. Healthcare Reform preventive medications are covered at 100% across all plans. Some examples are: Tier 1 contraceptives; Fluoride tablets

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 15 Promoting safe and appropriate prescription use.

Prior authorization. • Requires your doctor to tell UnitedHealthcare why you’re taking a medication to determine if covered under your plan. • To start the process, talk to your doctor or call the number on your ID card. Supply limits. • The largest quantity of medication covered per copayment or in a defined time period. • Based on FDA guidelines for medication dosage, clinical guidelines or usage patterns.

Step therapy. • Step 1 Medications: Proven to be clinically similar and effective. • Step 2 Medications: Treats the You get a Try a lower cost Before a higher cost same condition but may cost more. prescription medication first medication is covered

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 1220157 5/19 19-12448 Advantage of using home delivery.

Free Get up to a May cost less 24/7 pharmacist Refill shipping. 3-month supply. than retail. access. reminders.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 1220157 5/19 19-12448 17 Manage your pharmacy benefits on the go.

With myuhc.com® and the UnitedHealthcare® app1, you can:

Enroll in home delivery.

Find network pharmacies.

Refill prescriptions and myuhc.com® set up reminders.

Estimate and compare medication costs.

Search your plan’s PDL.

1 The UnitedHealthcare app can also help determine how a medication is covered and whether or not there are other options to help save you money.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 1220157 5/19 19-12448 18 Health Savings Account Available When Electing The Savings Plan

1220157 5/19 19-12448 Why use a Health Savings Account (HSA)?

It’s a bank account with tax advantages.

You can build savings for retirement.

The money is there when you need it:

• Use your Bank® debit Mastercard® to pay at the pharmacy, doctor’s office or at locations that accept Mastercard®.

• Or save it. Your HSA is yours, so it stays with you if you change health plans, employers or retire.

Please read your plan documents. Additional information such as benefit details, plan limitations and exclusions, and the costs of coverage can be found in the Summary of Benefits.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126842 5/19 19-12448 20 HSA eligibility.

You must be enrolled in the Choice Plus Savings Plan. 2021 Contribution You cannot be covered by any other Limits. health coverage other than a High Deductible Health Plan (HDHP) The IRS limits how much you can put into your HSA each You cannot be enrolled in , year. The 2021 limits are: or TRICARE for Life. $3,600 for individual coverage You cannot be claimed as a dependent $7,200 for family coverage on someone else’s tax return.

Other restrictions apply. Please consult Are you age 55 or older? You can put in an extra a tax, benefits or financial advisor. $1,000 this year.

Please read your plan documents. Additional information such as benefit details, plan limitations and exclusions, and the costs of coverage can be found in the Summary of Benefits.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126842 5/19 19-12448 21 Optum Bank advantages.

The mobile app makes it Your Google Home or Conveniently link to easy to track your HSA and Alexa-enabled device can Optum Bank and your HSA to connect it to Apple Pay. connect to Optum Bank. information at myuhc.com.

Easy payment options include an Contribute to your account by: Optum Bank debit Mastercard®, • Payroll deduction. online bill payment and reimbursement. • Electronic deposits.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126842 5/19 19-12448 22 Choice Plus Savings Plan with HSA.

Save on taxes.

You don’t have to pay federal or, in most instances, state income taxes on your HSA deposits, qualified expenses and interest earned.

The 2021 IRS HSA contribution limits are:

Individual $3,600

Family $7,200

Please read your plan documents. Additional information such as benefit details, plan limitations and exclusions, and the costs of coverage can be found in the Summary of Benefits.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126842 5/19 19-12448 23 Choice Plus Savings Plan with HSA.

It’s your money. Qualified expenses:

Set savings goals. Doctor Check with your employer to see office visits. how you can set up regular, pretax deposits through payroll deduction. Prescriptions.

Open your account. Make sure your money gets Eyeglasses and contacts. deposited!

Dental care and braces.

Chiropractic services and more.

Please read your plan documents. Additional information such as benefit details, plan limitations and exclusions, and the costs of coverage can be found in the Summary of Benefits.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126842 5/19 19-12448 24 Flexible Spending Accounts (FSAs)

9201290 6/19 19-12566 Flexible Spending Account

In 2021 UnitedHealthcare will continue to administer your flexible spending Healthcare and Dependent care plans.

You can contact customer service for Flexible spending account questions by calling the number on your medical ID card.

If you are signing up for FSA for the first time, you will receive a new FSA Debit MasterCard in the mail prior to 01-01-2021. Please Note: You will need to activate your card before using. If you have not received your card the number to call is 866-755- 2648.

If you had an FSA last year, you can continue to use your Debit MasterCard until the expiration date upon which time we will send you a new one.

Healthcare and Dependent care claim forms can be found on myuhc.com, click forms or https://www.uhc.com/individual-and-family/member-resources/forms

You can submit an FSA claim electronically on www.myuhc.com. Fill out the request and download the receipts, by mail or by fax.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 26 An FSA is designed to help you:

Pay for care and services Save money by paying that may not be covered less in taxes. by other benefits.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 27 Understanding FSAs.

You choose to set aside money—tax-free—to put into an FSA to pay for medical or dependent care expenses.

You don’t have to pay taxes on this money.

Both the IRS and your employer can limit the amount you can contribute.

There is no carryover of FSA funds. If you don’t spend all of your funds in a plan year, you lose them.

You have 2 ½ months into the next plan year to spend down your prior years FSA balance.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 28 Understanding FSAs.

The different types of FSAs available to you include:

Health care FSAs, Dependent care FSAs, which let you set aside which let you set aside money to pay for eligible money to pay for eligible health care expenses. dependent care expenses.

You can NOT enroll in the Health care FSA if you are enrolled in the Choice Plus Savings plan for 2021.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 29 How FSAs work.

1 Estimate your expenses for the year and decide how much you want to set aside in your FSA.

2 Enroll when you enroll in your benefits. You must re-enroll each year.

3 Money will be set aside into your FSA from each paycheck after the plan year starts. You pay no taxes on that amount.

4 As you incur eligible expenses, you can use your debit card for payment or pay out of pocket and reimburse yourself from your FSA.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 30 Health care FSA.

For 2021, you can set aside $2,750.

Use it for medical, dental and vision expenses such as:

Doctor visits and procedures, including copayments, coinsurance and deductibles.

OTC medicines and drugs Eyeglasses, contact lenses and vision exams. require a valid prescription.

Dental treatments, including X-rays, cleanings, Keep your receipts! fillings and orthodontic treatment.

Covered prescriptions.

Over-the-counter (OTC) supplies and equipment (with a prescription from your physician), such as insulin.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 31 Dependent care FSA.

Keep your receipts!

Use a dependent care FSA for qualifying child(ren) under age 13 or other qualifying relative. Eligible expenses include: In 2021, you can set aside: • Before- and after-school programs, including $2,500 if married and extended care. filing jointly, • Babysitter expenses. OR • Child care, nanny or au pair costs. $5,000 if a married couple • Nursery school, Pre-school. filing jointly or a single parent • Adult day care. filing as head of household. • Elder care. • Travel costs to and from eligible care if provided by your care provider.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 32 More reasons to have an FSA.

All health care FSA dollars are available the first day. You can use a dependent care FSA as soon as money is available in the account.

Health care FSAs can help pay for hundreds of expenses. Some surprising examples: laser eye surgery, stop-smoking programs and acupuncture.

Eligible expenses are paid automatically from the FSA.

You can submit and pay bills online at myuhc.com®.

Get your money faster with direct deposit.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 33 Health Care Spending Card

Your FSA will come with the Health Care Spending Card Debit Mastercard® to make paying easier.

No reimbursement forms to submit.

Most grocery stores and pharmacies can identify eligible expenses on receipts.

Automatic reimbursement from your FSA when a medical claim is filed When a claim is filed by yourself or your medical provider and there is a patient responsibility indicated, a claim will file automatically with the Flexible spending plan for reimbursement to you. If you have already paid your provider using your Health Care Spending Card, no worries, we will not reimburse you for that expense.

If you decide not to have automatic reimbursement, you may disable this function by clicking on account settings on www.myuhc.com

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9201290 6/19 19-12566 34 Health Resources

9201290 6/19 19-12566 ® UnitedHealthcare app

© 2018 UnitedHealth Group. Any use, copying or distribution without written permission from UnitedHealth Group is prohibited. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Go digital and get the most out of your benefits.

Activate your myuhc.com account after enrolling and gain access to:

• Find network providers and locations.

• Check account balances.

• View and pay claims.

• Estimate costs for care.

• Learn about covered preventive care.

• Find and compare medications.

• Refill, renew and transfer home delivery prescriptions.

Download the UnitedHealthcare® app. Find nearby care options in your network, video chat with a doctor 24/7 — without leaving the app, see your claim details and view progress toward your deductible, view and share your health plan ID card, and log on easily with Touch ID®

The UnitedHealthcare® app is available for download for iPhone® or AndroidTM. Touch ID and iPhone are a registered trademarks of Apple, Inc. Android is a trademark of Google LLC..

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9126768 .1 8/19 19-13383 37 Secure, on-the-go access to personalized health information. UnitedHealthcare app

The app is designed to help members understand and use their health plan effectively, and engage them by simplifying the experience.

Features:

Find care and costs, including virtual care.

Review plan information, including deductibles and copays/coinsurance.

Check on claim status.

Pharmacy.

View Optum Bank balances.

Contact UnitedHealthcare.

38 Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Virtual Visits

© 2019 UnitedHealth Group. Any use, copying or distribution without written permission from UnitedHealth Group is prohibited. Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Virtual Visits. See a doctor whenever, wherever. Virtual Visits

During a 20-minute* Virtual Visit, members can obtain a diagnosis and have a prescription sent to their pharmacy, if appropriate.

Accessible myuhc.com® and our smartphone app.

1 Proprietary informationAverage of UnitedHealth based Group. on monthly Do not distribute data reports or reproduce from Virtualwithout express Visit providers. permission of UnitedHealth Group. 40 How to get started.* Virtual Visits Teladoc® can be accessed directly through myuhc.com landing page.

Visit uhc.com/virtualvisits and register with either virtual providers. Consider downloading their app for even quicker access.

® Use the UnitedHealthcare app

Visit the Amwell or Doctor On Demand websites.

* Data rates may apply. Apple, App Store and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play Proprietary informationlogo of areUnitedHealth trademarks Group. of Do Google, not distribute Inc. or reproduce without express permission of UnitedHealth Group. 41 Ready to register? Virtual Visits

Have your health plan ID card and your method of payment (debit or credit card) ready to set up an account with a Virtual Visit provider group.

Go to uhc.com/virtualvisits to get started. You’ll need to choose a provider.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 42 Sanvello

Behavioral Health Solutions On-demand help for stress, anxiety and depression.

Sanvello™ is a top-rated self-help app that uses clinically validated techniques such as cognitive behavioral therapy (CBT) to engage you in your mental health wellness anytime, anywhere. It can help relieve symptoms through: • Daily mood tracking. • Personalized progress. • Guided journeys. • Community support.

The Sanvello Mobile Application should not be used for urgent care needs. If you are experiencing a crisis or need emergency care, call 911 or go to the nearest emergency room. The information contained in the Sanvello Mobile Application is for educational purposes only; it is not intended to diagnose problems or provide treatment, and should not be used as a substitute for your provider’s care. Please discuss with your doctor how the information provided may be right for you. Available to all UnitedHealthcare members at no additional cost as part of their benefit plan. Participation in the program is voluntary and subject to the terms of use contained in the Application. ©2019 Optum, Inc. All rights reserved.

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 43 The Power of Partnership Talkspace

Connecting people to quality care with an effective alternative to face-to-face therapy

Aa

MAC ANDROID DESKTOP TEXT VOICE VIDEO MEDIA

• 4000+ licensed therapists across all 50 states • Digital provider matching tool • Send text, audio and video messages and receive responses daily, 5 days per week • Schedule real-time video sessions as needed • Ability to begin therapy within hours of selecting a provider, no appointment needed

of users found Talkspace more fewer missed hours of work over 98% convenient than traditional therapy 50% a 7 day period after treatment

Talkspace study with Columbia University. Results reflect respondents to a study after 3 months of using Talkspace. Recent studies suggests text-messaging based psychotherapy delivery systems like Talkspace are effective, show statistically and clinically significant decreases in patients’ levels of dysfunction, and achieve results that compare favorably with past clinical trials of face-to-face psychotherapy. Still, therapy through Talkspace may not be right for everyone, please review all terms and conditions. To learn more, go to Talkspace.com and read about our User Survey and recent studies - https://research.talkspace Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Rally Health and Wellness

Rally supports and motivates you to meet your health targets and maximize your well-being.

The wellness incentive program is found within the Rally consumer experience and includes strategies to drive engagement:

Personalized Missions.

Rally Coins.

Step-by-step support.

Results tracking.

Available through www.myuhc.com or Rally App

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 45 Real Appeal

Real Appeal: Helps you to lose weight and keep it off • A personalized transformation coach will customize a plan to fit your needs. • Get online support and a mobile app to stay on track and reach your goals. • Receive a success kit featuring a personal blender, digital food scale and more.

Invitation Registration

1 2

Success Kit Group classes

4 3

Coaching Tools

5 6 Pounds lost

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 46 More information

More information on your benefits can be found at:

Welcometouhc.com/Commvault Myuhc.com Optumbank.com Benefits.commvault.com

Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 47