How To Use Your New “Two Card” Health Insurance Program

1. How To Use Your New “Two Card”Health Insurance Program And High Deductible Major Medical Plan Insured by Standard Life and Accident Insurance Company, Galveston, TX SLPS 2011-11-14 DCPP

2. Your Employer has purchased 2 insurance policies that work together to provide you great medical health insurance benefits.

3. Your major medical insurance program now has a large deductible. That’s the amount you are responsible for before major medical begins paying benefits.

4. Your second insurance policy pays most of your new large deductible. .

5. Together, both policies provide great coverage at an affordable cost. LOW COST COVERAGE

6. Whenever you use medical services, Present BOTH cards. There is a toll free 800 number on each card for medical providers to call to answer any billing questions • HOSPITAL • LAB • EMERGENCY ROOM • URGENT CARE

7. The Premium Saver Insured HRA Plan covers the same expenses as the major medical plan except for the professional fee in a doctor’s office or medical clinic or outpatient prescription drugs. If you have a copay requirement on your major medical plan, you’ll still have to pay those at the time of service. • EMERGENCY • OFFICE VISIT • URGENT CARE • PRESCRIPTIONS

8. Your Major Medical and Premium Saver plans will pay their benefit portions leaving you to pay your portion: DEDUCTIBLE PAYMENTS • $250 • $500 • $1000 • ETC.. Your portion will be the Premium Saver deductible and coinsurance that your Employer has established.

9. In the mail, you will receive what’s called an “explanation of benefits” or “EOB” from your Major Medical plan AND Morgan White Administrators, the Administrator of the Premium Saver plan.

10. Most medical providers will send a copy of your bill and your EOB to Morgan White Administrators for you. Morgan White Administrators will process both documents to determine the amount of deductible or coinsurance you may owe.

11. The EOB from Morgan White Administrators informs you the deductible or coinsurance amount you may owe. It should match your final bill from your medical provider. You pay that amount to your medical provider as your deductible or coinsurance responsibility.

12. ANY QUESTIONS??? Contact Your Agent Or Morgan White Support 888-888-2519 THIS POLICY PROVIDES SUPPLEMENTAL COVERAGE.Policy Form SLIC-GAP-P(0405) The policy contains exclusions and limitations. For a complete description of the terms and conditions, please contact your insurance agent.