READY. SET. GROW HEALTHY.

1. READY. SET. GROW HEALTHY. • Your 2012 UnitedHealthcare Plan Benefits • Glendale Elementary School District

2. What We Will Cover Today Medical Plan Options Medical Plan 104 HSA 1500 Plan HSA 2500 Plan UHC Tools and Resources Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 2

3. What We Will Cover Today Open enrollment April 30 to May 11th Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 3

4. Changes effective July 1st Buy-Up Medical Plan 03 has been eliminated Medical Plan 104 has increased prescription copays from $10/$20/$40 to $10/$25/$50 HSA 2500 Plan has decreased prescription copays from $10/$30/$50 to $10/$25/$50 HSA 2500 Plan deductible and OOP max has been enhanced from a two tier to a three tier program making the program more attractive to those with dependent coverage. New HSA 1500 Plan offering Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 4

5. Take Advantage Of Your Preventive Care Coverage • Certain preventive services are covered without charging a deductible, copayment or coinsurance when these services are provided by a network provider. • It’s important to review your plan documents for the preventive services included in your specific benefit plan. • Regular preventive care may help • Reduce risk of disease • Detect health problems early • Protect you from higher costs down the road • www.uhcpreventativecare.com for age and gender-specific guidelines Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

6. Your Medical Benefits at a Glance Medical Plan 104 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

7. Medical Plan 104 Pharmacy Costs Lowest Cost Highest Cost Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 7

8. UnitedHealthcare Health Savings Account Plans (HSA’s)

9. 50% of health care costs driven by behaviors Consumer-driven health Factors affecting rising health care costs • For every 100 employees: • 64 are overweight or obese: average health costs 10-12% higher • 23 smoke: average health costs 30-33% higher and annual productivity costs 60% higher • 19 experience stress: average health costs46% higher Genetic20% Behavior50% Access10% Environment20% Source: Adapted from Department of Health and Human Services, Centers for Disease Control and Prevention Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 9

10. Consumer-driven health We need to encourage more informed healthcare decisions People are currently removed from the true cost of health care Health care costs are skyrocketing There’s a need to save for future health care costs Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 10

11. Your Medical Benefits at a Glance HSA 1500 – Non-Embedded Plan* Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 11

12. Your Medical Benefits at a Glance HSA 2500 – Embedded Plan* Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 12

13. HSA Plan Pharmacy Costs Lowest Cost Highest Cost Members are subject to their Medical/Pharmacy deductible before copay’s apply. Medications listed on Preventative Drug List are subject to copays. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

14. Introducing the HSA Combines a high-deductible health plan that allows you the option to open a health savings account (HSA) High-deductible health Plan Optional health savings account(HSA) Annual out-of-pocket protection Personal support and messages, health coaches 100% network preventive care Annual deductible Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

15. What is a health savings account (HSA)? You can open and fund the HSA to pay the plan deductible and other qualified health care costs – or you can let your account grow. HSA • Pay for today’s $$ or save for tomorrow’s • Triple tax savings • It’s yours even if you switch jobs or plans • Use for qualified expenses not covered by the plan • Use it for retirement, investing* HSAs are designed to help you save and pay for your health care Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

16. What you should know about the HSA An HSA is not health insurance Used to pay/reimburse qualified expenses Each covered individual can open an HSA No “use it or lose it” requirement HSA is owned by you Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

17. You may be eligible to open an HSA if: You are not covered by any other non-high deductible health plan, such as a spouse’s plan You are not enrolled in Medicare You do not receive health benefits under TRICARE You have not received Veterans Administration (VA) benefits within the past three months You cannot be claimed as a dependent on another person’s tax return You cannot be covered by a health care FSA or HRA HSA eligibility requirements Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

18. Contributions above the annual limit are subject to income taxes and a 20% penalty. Amount of Funding Annual Contribution Rules • 2012: $3,100 for individuals & $6,250 for families Those 55 years of age or higher, but not entitled to Medicare benefits, can fund an additional $1,000/year “catch-up” contribution! Additional Funding Annual HSA contribution limits Annual contribution limits are set by the IRS Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

19. Any money you take out of your HSA for eligible medical expenses is federal income-tax free How you can use the HSA Medical plan deductibles and coinsurance Pharmacy, dental, vision care services Use HSA dollars to pay for qualified medical expenses for your spouse or dependents Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

20. How you can use the HSA Other qualified expenses 1 2 3 4 • Coverage while receiving unemployment benefits • Medicare premiums and out-of-pocket expenses • COBRA continuation coverage • Eligible long-term care Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

21. 1 The money Steve puts into his HSA is federal income tax-deductible. 2 Any money Steve withdraws from his HSA to pay for qualified medical expenses is withdrawn federal income tax-free. 3 Steve may earn interest on his account, and it is not taxable. 4 The amount not spent during this year carries over for use in future years. How the HSA Helps You Save Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

22. 1 In 2012, Steve will deposit $6,250 into his HSA, the maximum contribution for family coverage. 2 Steve will withdraw $3,000 to pay for qualified health care expenses for him and his family. How Much Did Steve Save? Steve’s federal and state income tax savings and FICA on his contributions for the year are $2,478. Steve will not have to pay income taxes on the $3,000 as long as he uses it to pay for qualified expenses. 3 Steve earns interest on his account. Steve does not have to pay federal income taxes on his interest. 4 With a traditional plan, Steve wouldn’t have this carryover option, which helps him save for the future. Steve will carry over $3,250 HSA dollars (contributions – expenses + account earnings) into. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

23. Present ID card to network doctor Doctor sends claim to UnitedHealthcare UnitedHealthcare applies network discount and notifies doctor of amount you may owe. Doctor bills you for payment 1. You can use your HSA to pay 2. Or you can choose to pay another way (cash, credit card) and reimburse yourself later When you have claim activity, you will receive a Health Statement. How the HSA Plan Works HSA Payment Process Present ID card to doctor. Doctor sends claim to UHC. If no HRA funds available and you have paid your member part, health coverage will pay provider. If you owe coinsurance, provider will bill you for your portion. When you have claim activity, you will receive a Health Statement. TIP: Use your HSA to help you pay qualified expenses Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

24. Explanation of Benefits (EOBs) • You may notice some changes on your EOBs beginning late 2011. You will see more information on: • Appeal rights • Consumer assistance programs • What’s more the EOB has been designed for easier readability. • We encourage you to access your EOBs online at myuhc.com. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

25. Comparing an HSA with an FSA HSA Limited-Purpose FSA • Owned by employee • Funded by the employee and employer • Funds automatically rollover to next plan year • Qualified expenses determined by IRS and employer • Automatic enrollment • Owned by employer • Funded by the employee • All funds must be used by the end of the plan year or grace period • Only vision & dental care are reimbursable • Must enroll each year enrollment Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

26. Common HSA Questions 1 2 3 4 • Enroll during your Open Enrollment period • Check your employer benefit information for details How do I enroll? Can I take the funds in my HSA with me if I leave the company? Can others contribute to my HSA? How do I access the funds in my account? Yes. Funds belong to you even if you leave your job, change health plans or retire. Yes. Anyone can contribute to your HSA. Keep in mind that annual contribution limits above what is allowed are subject to income taxes and a penalty. • Use your HSA debit card • Pay by check, cash or credit care and reimburse yourself later from your HSA Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

27. OptumHealthSM Bank, Member FDIC FDIC-insured so you know your money is safe Dedicated to helping people save for health care One of the nation’s leading HSA custodians Offers a Health Savings Account Debit MasterCard® Account holders will receive Health Savings News e-newsletter Only OptumHealth Bank offers the convenience of HSA banking through myuhc.com Pay bills Make deposits Reimburse yourself Track spending See your tax savings And more UnitedHealthcare’s health care bank of choice Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

28. Health eAccess Health eSaver Health eInvestor $0 if balance exceeds $5,000 $3 if balance is $1-$4,999.99 $0 if balance exceeds $5,000 $3 if balance is $1-$4,999.99 $0 if balance exceeds $500 $1 if balance is $1-$499.99 Monthly Maintenance Fee Balance Required to Obtain APY Annual Percentage Yield (APY) Annual Percentage Yield (APY) Annual Percentage Yield (APY) 0.00% $0-$499.99 $500-$999.99 0.00% 0.00% $1,000-1,999.99 $2,000-$4,999.99 0.00% $5,000-$14,999.99 0.00% 0.00% $15,000+ Investment Threshold $2,000 $500 $2,000 Monthly Investment Fee $0 $2.50 $3 Choose the Right Mix of Fees and Interest Understand the rates, fees and features for each account type: Variable based on balance Variable based on balance Variable based on balance Investments are not FDIC-Insured, are not guaranteed, and may lose value. 28

29. How the HSA Plan Works

30. How the HAS Plan Works *From www.healthcarelane.com Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

31. How the HSA 2500 Plan Works • Chris chooses the HSA Plan for himself because: • No cost monthly premiums • His employer is contributing $2,000 • Chance to use HSA to save for future expenses • Here is what Chris’s plan looks like: Employer deposits $2,000 in HSAChris deposits $1,000 in HSA 80%/20%network coinsurance 100%network coverage $2,500 $4,500 Annual deductible Out-of-pocket maximum *From www.healthcarelane.com Cheryl is a fictitious person used to illustrate UnitedHealthcare products. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

32. How the HSA Plan Works Paid 100% by plan 1 preventive exam per member $400 1 visit to urgent care $200 1 doctor visits $100 2 prescriptions $100 Non-preventive total $400 And Chris still has $2,600 in his HSA! Chris uses HSA to pay HSA paid total $400 Chris paid $400 $2,600 $3,000 in HSA $2,500 $4,500 Annual deductible Out-of-pocket maximum *From www.healthcarelane.com Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

33. How the HSA 2500 Works • Jane chooses the HSA Plan because: • No monthly premiums • Typically has few health expenses • Ability to open and save with an HSA • Tax savings • Here is what Jane’s plan looks like: District funds $2,000 in HSA 80%/20%network coinsurance 100%network coverage $2,5000 $4,500 Annual deductible Out-of-pocket maximum *From www.healthcarelane.com Chris is a fictitious person used to illustrate UnitedHealthcare products. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

34. How the HSA Works All other expenses are covered 100% for the rest of the year Jane uses HSA to meet a portion of her deductible Remaining bill $100,000 Insurance pays (80%) $80,000 Jane to pay (20%) $20,000 But she pays only $2,500 to get to her $4,500 maximum. Emergency surgery $100,000 6 Doctor visits $1,000 11 Prescriptions $1,000 Total actual cost $102,000 Jane pays $2,500 District deposits $2,000 in HSA $2,500 $4,500 80%/20% 100% Reaches deductible Annual deductible Out-of-pocket maximum *From www.healthcarelane.com Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

35. Jane compares plans… Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group. 35

36. Wellness Tools

37. myuhc.com Find network doctors/hospitals Estimate costs Track claims status Build a health improvement program Keep a Personal Health Record Get health product discounts Review plan details Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

38. Large National Network More than: 660,000 doctors 5,100 hospitals 60,000 pharmacies 1,000 convenience care clinics And world-wide emergency care coverage Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

39. Our Large National Network Your doctor is likely already in our network. Available to 98% of Americans Includes 2out of3 providers More than 1,000 conveniencecare clinics Includes 95,000 Specialists designated for their quality and cost efficiency based on national standards Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

40. Promoting Quality & Affordable Health Care • The UnitedHealth Premium® program evaluates doctors for quality and cost efficiency to help you choose a doctorwith confidence • Doctors who meet both quality and cost-efficiency guidelines receive two stars, and those who meet quality receive one star + = Quality Care UnitedHealthcare awards one star to physicians who meet national standards for quality care. Cost-efficient Care UnitedHealthcare awards a second star to physicians who meet local area benchmarks for cost-efficient use of resources in delivering health care. UnitedHealth Premium Two-Star Physicians Two-star physicians have been recognized for providing quality and cost-efficient care to their patients. They meet or exceed nationally recognized guidelines, and they’re likely to recommend the right tests and treatments for a variety of conditions. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

41. Treatment Cost Estimator • Designed to calculate and compares cost differences for treatments between providers, locations and facility types, including both plan and member expenses for each treatment Includes treatment costs for: ~ 116 diseases/conditions ~ 90 surgeries/procedures ~ 500+ individual services ~ 3,000+ medications SOURCE: UnitedHealthcare service data, April 2010 41 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

42. Health Assessment Take a free, online questionnaire about your health from the University of Michigan Program includes interactive online health coaching Feedback on progress toward living a healthier life Recommendations for online health and wellness services Information to help members have productive conversations with doctor Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

43. Care24 Nurseline and EAP Connect with a registered nurse and highly experienced counselors Get help with legal, financial and emotional needs Prepare yourself before you seek a doctor’s care Access recorded messages on health topics Communicate in live, one-to-one Nurse Chats at myuhc.com Care24 1-866-271-7340 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

44. Healthy Pregnancy Program Get support through every stage of pregnancy Nurses available, toll-free, 24/7 Personalized pregnancy assessment Educational materials and resources No Additional Cost Gifts and Savings Your Journey Through Pregnancy, a book that will help you learn more about your nine-month journey.. A booklet from Johnson & Johnson: What’s Next?: The magic unfolding of the first days of life.  Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

45. Mary Winters Fred Winters, spouse Ann Winters, dependent Susan Winters, dependent Health plan ID cards • Mailed to new members within 30 days of enrolling • Includes your plan information • Lets providers know how to bill Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

46. Get Health4Me and DocGPS® App Today! Find network doctors with our new mobile phone app • Uses Google® Maps • Search based on your location • Download for iPhone®, BlackBerry® and Droid phones® Google Android is a trademark of Google, Inc.iPhone is a registered trademark of Apple, Inc. BlackBerry is a registered trademark of Research in Motion LimitedDroid is a registered trademark of Lucasfilms Ltd. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

47. Explore Health Care Lane Today! A fun and interactive way to learn about health insurance healthcarelane.com/VSEBT Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

48. QUESTIONS?