2021 Large Group Benefits Health plans designed for flexibility and savings Health | Well-being | Prescription Drug | Dental | Vision | Additional Workplace Benefits Bringing you Table of contents SM What's new in 2021 ....................................................................................... 1 SMARTER, BETTER HEALTH CARE Improving care in every community................................................................. 3 Personalized member engagement .................................................................. 5 Purposeful innovation ..................................................................................11 Improving care in every community Personalized member engagement Tailored health plan solutions ........................................................................13 with a robust portfolio that delivers benefits to help your employees make smart 51 – 99 health plans ...................................................................................24 and programs that drive higher-quality decisions about their health care expenses. Copay health care and lower costs. Deductible/Copay Deductible/Coinsurance HSA-qualified Purposeful innovation Tailored health plan solutions Choice Advantage Tiered Network to change the way health care is designed, that are comprehensive and flexible to meet delivered, and experienced. your business’ unique needs. 100+ health plans .......................................................................................42 Copay Deductible/Copay Deductible/Coinsurance HSA-qualified Choice Advantage Tiered Network What’s not covered ......................................................................................57 Important plan details .................................................................................58 Underwriting summary................................................................................59 Prescription drug plans ................................................................................61 Dental plans ................................................................................................63 Vision plans .................................................................................................65 Quick guide to benefits What’s new in 2021 Quick guide to your benefits solutions Independence Blue Cross (Independence) has everything you need to keep your business and employees as healthy as possible. Create a tailored health plan solution that best meets your needs. You want health care coverage that’s effective, affordable, and simple. We make this a reality for both you and your employees by developing innovative products 51 – 99 customers 100+ customers and solutions that lower costs and improve health outcomes. We’re pleased to Protect employees' health • 59 plans • 168 plans share the following enhancements to our portfolio for 2021. • PPO, DPOS, POS • PPO, DPOS, POS • Tiered Network plans • Tiered Network plans • Copay, deductible, and coinsurance plans • Copay, deductible, and coinsurance plans • Health Savings Account (HSA) • Health Savings Account (HSA) More virtual care solutions More ways to protect your Health plans — pg. 24 – 56 • Biotech/Specialty & Infusion Site of Service benefits • Biotech/Specialty & Infusion Virtual care, like telemedicine, helps increase access to employees’ wealth • Choice Advantage plans with additional Site of Service benefits Site of Service benefits • Choice Advantage plans with additional care, gives an alternative option to Emergency Room (ER) We now offer the opportunity to help your employees • Preventive Plus colonoscopy benefit Site of Service benefits and urgent care visits, and reduces overall costs. We've pay back student loans. GradFin provides members • Lab Site of Service benefits (PPO plans only) • Preventive Plus colonoscopy benefit expanded our virtual care options and made them all with strategies to reduce their debt by refinancing or • Lab Site of Service benefits (PPO plans only) available for $0. Virtual care includes: consolidating their student loans. • Coverage is required • Coverage is optional • Value formulary • Value formulary > Telemedicine services through MDLIVE and Learn more about these programs on page 17. Prescription drug — pg. 61 – 62 Penn Medicine OnDemand • 3 plans • 20 plans • HSA-qualified plans have built-in prescription • HSA-qualified plans have built-in prescription > Telebehavioral health services through Magellan Product enhancements drug coverage drug coverage and MDLIVE The HSA high deductible health plan with a $2,500 • Available to all customers • Available to all customers > Teledermatology services through MDLIVE deductible and 100 percent coverage after meeting Dental — pg. 63 – 64 • Sample PPO plans included for comparison • Sample PPO plans included for comparison the deductible is now available to our 51-99 portfolio. • Additional PPO plans available • Additional customizable PPO plans available • All DPOS/POS medical plans have built-in eye • All DPOS/POS medical plans have built-in eye For more information, see page 18. Learn more about this health plan on page 35. exams and can be paired with vision plans to exams and can be paired with vision plans to Vision — pg. 65 – 66 cover glasses or contacts cover glasses or contacts New well-being program incentives In addition, members with buy-up vision plan coverage • PPO medical plans can be paired with vision plans • PPO medical plans can be paired with vision plans that cover exams as well as glasses or contacts that cover exams as well as glasses or contacts and discounts now have in-network access to Glasses.com and 1800Contacts.com to use their plan’s frame or contact • Included for all fully-insured customers • Included for all fully-insured customers We’ve added rewards to our Achieve Well-being program, Virtual care — pg. 18 lens allowance. • Available to self-funded customers • Available to self-funded customers which offers tools, programs, and incentives to help your Protect employees' wealth employees get and stay healthy. Employees can earn $150 Learn more about this program on page 65. • HSA available with qualified plans • HSA available with qualified plans for completing activities like getting preventive care and • HRA option with all plans except HSA-qualified plans • HRA option with all plans except HSA-qualified plans opting into digital messaging. Spending accounts — pg. 19 • FSA for medical or dependent care available with any plan* Members 18 years and older also have access to the GlobalFit Anywhere app. It’s the first app of its kind to • Available to fully-insured customers at no cost • Available to fully-insured customers at no cost The College Tuition Benefit upon renewal upon renewal and GradFin** — pg. 17 connect members to studios, gyms, and trainers using • Available to self-funded customers • Available to self-funded customers dynamic pricing. Adult members can purchase exercise classes, training sessions, and gym day passes at a Give employees peace of mind discounted rate. They can also access live virtual classes • Life insurance • Life insurance • Disability insurance • Disability insurance through the GlobalFit Anywhere app. Guardian supplemental insurance — pg. 22 • Accident, critical illness, and cancer insurance • Accident, critical illness, and cancer insurance To find out more about our wellness programs, • Hospital indemnity insurance • Hospital indemnity insurance see page 8. Employee assistance program — pg. 23 • Personal Life ManagementSM • Personal Life ManagementSM International health insurance — pg. 23 • 2 plans to choose from (short- or long-term travel) • 2 plans to choose from (short- or long-term travel) Lower your financial risk Stop loss — pg. 23 • Not available • Available for self-funded customers * HSAs can only be paired with a limited-purpose FSA to cover eligible vision and dental expenses. 1 ** Gradfin is available to all customers at no cost. 2021 Large Group Plans | Independence Blue Cross 2 Improving care in every community Improving care in Optimizing the value of health care As stewards of your dollar, we regularly review our programs, processes, and policies. We use industry benchmarks and best practice standards to identify and address outliers in health care costs and utilization. Once we identify opportunities for EVERY COMMUNITY improvement, we embed them into our utilization management and claim payment policies. Driving value in medical management Integrated behavioral health Making health care work better in the communities we serve by empowering Independence has optimized our medical management Employers spend nearly $200 billion per year on treatment providers to improve the quality and affordability of the care delivered to savings to ensure members receive high-quality health for mental illness and substance abuse. What’s more, care in the safest setting. As a result, we are: employees who work with an untreated illness may cost your employees. employers $1,600 per person each year due to absenteeism • Driving evidence-based care and low productivity.* • Reducing the number of unnecessary procedures Value-based programs provide quality and savings and related costs from potential complications Our approach to a member’s health and emotional well-being Independence is a leader in providing value-based health care coverage. Our Facilitated Health Networks (FHN) • Embedding pharmacy benefits with medical benefits starts with a holistic view of their whole health. Our clinical is a