Health Insurance Resource Guide · • A health care plan through the public Health Insurance Marketplace (also known as the “exchange”); or • A health care plan through a private

Health Insurance Resource Guide

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What’s InsideAbout This Resource page 2

Finding the Right Coverage for You page 3

Understanding the Basics pages 4-5

Decide Which Type of Plan is Right for You pages 6-7

Research Your Medical Plan Options

Enroll

Researching a Dental Plan

Medical Contact Information by State

Important Legal Information

page 10-11

page 12-25

page 26

page 8

page 9

About This Resource GuideTo help you explore potentially more cost-effective medical and or dental plans, this Health Insurance Resource Guide provides a good starting point, including:

• Basic health care terminology;

• An overview of the difference between the public Health Insurance Marketplace and private insurers;

• Contact information for the public Health Insurance Marketplace(either federally- or state-facilitated) in your state—you can enroll in a plan directlyeither online or by phone;

• Contact information for a sampling of the insurance carriers that provide private plansavailable for purchase* in your state—you can enroll in a plan directly through thecarrier of your choice online or by phone;

• Information about how to shop for a dental plan and a list of dental plan options.

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*Please note that the enclosed provider list may change and is not all-inclusive, nor is it an endorsement of particular carriers.

You may wish to contact a broker if you need further assistance in researching the plans and pricing available in your area. Please keep in mind that individual brokers are not employed by or agents of 3M and 3M does not endorse or recommend and is not responsible for any advice, actions, views, opinions or statements of the brokers.

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Understand the basics

Enroll—by the 15th of the month prior to your desired effective date

• What is the 3M non-Medicare Health Reimbursement Arrangement (HRA)?(See page 4 for more details.)

• Am I eligible to receive the Premium Tax Credit (or “subsidy”) and what are the advantagesof receiving that subsidy? (See page 4 for more details.)

• How do the public and private health insurance marketplaces work?(See pages 5-7 for more details.)

Finding the Right Medical Coverage for YouThere are three main steps to help you find the right coverage:

• Compare prices, plan coverage, providers and other features for the following two options:

– Public Health Insurance Marketplace (or “exchange”) plan options in your state(see overview on page 5).

– Individual plan through a private insurer in your state (see overview on page 5).

• Review the plans that are available in your state either through the public or privatemarketplace.(See pages 12-25 as a starting point to research qualified health plans.)

Call or enroll online through private plan or broker

1

Research your medical plan options2

3Private insurersPublic exchange

If eligible and paying with Premium Tax Credit

Call or enroll online through the Exchange

Call 3M FIRST Line Center to defer your HRA

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Use your 3M non-Medicare HRA to help pay your post-tax medical and/or dental premium• The 3M non-Medicare HRA can be used to help pay your post-tax premiums for a medical plan

in the public Health Insurance Marketplace or through a private insurer. Effective Jan. 1, 2016,it can also be used to pay your post-tax dental plan premium.

Find out if you qualify for a premium tax creditSome people may qualify for a premium tax credit to help pay their premium or out-of-pocket costs.

To find out if you qualify, you will need to visit the exchange site for your state. See the contact information by state beginning on page 12. You will need to provide financial and other information, so make sure you have the following information:

• W-2 forms

• Pay stubs or tax returns

• Social Security Numbers for all those applying for coverage

• Policy numbers for any current health coverage you and all members of your household may have

• Employer information

Note: You may only receive the premium tax credit if you enroll in a plan through the public Health Insurance Marketplace.

If you take advantage of a premium tax creditIf you are eligible for a premium tax credit and choose to receive the credit by enrolling in a public Health Insurance Marketplace Plan:

• You are not allowed to use your 3M HRA credits to help pay your medical or dental premiums,because the government doesn’t allow individuals who receive the premium tax credit to alsoparticipate in an HRA.

• Notify 3M FIRST Line Center of your decision, otherwise you may have tax implications.Call (888) 611-5500 (toll free). You may save the credits in your HRA account for future use(such as when you become Medicare eligible).

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Understand the basics1

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What is the public Health Insurance Marketplace?Your state Health Insurance Marketplace is a one-stop shop that allows you and your family to compare health insurance plan prices, quality and benefits, select the plan that’s best for your needs, and enroll in it.

The public Health Insurance Marketplaces are available in each state and are operated by the state, by the federal government or through a partnership between the state and federal government. The health plans in the marketplace are offered by private health insurance companies and must cover certain services as directed by your state and the federal government.

How does the public Health Insurance Marketplace work?You will be able to enroll online or speak with a representative to help you find a health insurance plan that meets your needs. Each state’s Health Insurance Marketplace will offer a range of plan choices, and each will provide its own set of benefits and have its own cost. But all the plans available through the public Health Insurance Marketplace will have some benefits in common.

• Preventive care services, like routine check-ups and well-baby care visits, will be covered at 100%—youpay nothing.

• No lifetime dollar maximums, or dollar caps, on essential health benefits. Those include hospitalization,outpatient services, maternity care, prescription drugs, emergency care and preventive services.

• Limits on how much an individual pays out-of-pocket (such as a copay, coinsurance or annual deductible)in any given year.

How do the public and private marketplaces compare?Here are some important facts to know:

Individual plans in the private marketplacePublic exchange

• Offered through the federalgovernment, the state ora partnership between the two

• Premium tax credit availabledepending on household income

• Offered by insurance companies, benefits brokerages and various other organizations

• No premium tax credit available

Insurers

Premium Tax Credit

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Decide Which Type of Plan is Right for YouLevels of coverageWhen you choose health coverage, you have a choice to spend more up front and pay less when you receive care, or you can spend less up front and pay more when you receive care. The public Health Insurance Marketplace classifies plans according to how much they cost and how much they cover. The levels of coverage are broken down into tiers:

Key terms to knowAnnual Deductible—The annual deductible is an amount you pay out-of-pocket each year towards the cost of certain covered care before your plan begins to pay coinsurance.

Coinsurance—The percentage you pay for covered health care services and prescription drug costs after you’ve satisfied the annual deductible, if applicable. The percentage varies by health insurance plan.

Copayment—A fixed dollar amount that you pay for certain services at the time of service.

Drug Formulary—This is a list of prescription drugs, both generic and brand name, used by practitioners to identify drugs that offer the greatest overall value.

Out-of-Pocket Costs—These are your expenses for medical care that are not reimbursed by your health plan. They include annual deductibles, coinsurance and copayments for covered services, plus all costs for services that are not covered.

Out-of-Pocket Maximum—The out-of-pocket maximum is the most you pay during the calendar year before your health plan begins to pay 100%. This generally includes copayments, annual deductibles and coinsurance payments. This limit never includes your premium, balance-billed charges from health care providers, or health care your health plan doesn’t cover.

60%70%80%90%

TierBronzeSilverGoldPlatinum

Lower

Higher

Higher

Lower

Percentage of health care

costs covered Potential premiumsPotential

out-of-pocket costs

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Through the public Health Insurance Marketplace or a private insurer, you will be able to select the right type of plan.You can choose from a number of plans, including:

• HMOs (health maintenance organizations) and EPOs (exclusive provider organizations): In these typesof plans, you pick one primary care physician. You need a referral before you can see any other health careprofessional (except in an emergency), and visits to health care professionals outside of your networktypically aren’t covered by your insurance.

• PPOs (preferred-provider organizations): In a PPO plan, you don’t need a primary care physician or areferral to see other health care professionals. You’ll pay lower costs when you stay in the plan network.

• POSs (point-of-service plans): POS plans combine the features of an HMO and a PPO. Like an HMO plan,you may be required to designate a primary care physician who provides referrals to specialists whenneeded. Like a PPO plan, you’ll pay lower costs when you stay in the plan network.

• HDHPs (high-deductible health plans): HDHP premiums are lower than premiums in other types of plansin exchange for the responsibility of paying higher costs out of your pocket (up to a maximum limit) whenyou receive care. HDHPs also provide the opportunity to contribute pre-tax dollars to a Health SavingsAccount (HSA).

Option 1: Explore the public Health Insurance Marketplace (or exchange) by state.

Option 2: Explore individual plans offered through private insurers by state.

Learn more about the plans available.

Premium tax creditWhen purchasing health coverage in your state marketplace, you may be eligible for a premium tax credit based on your household income and family size. These thresholds will be adjusted over time to keep pace with inflation. The threshold is slightly higher in Alaska and Hawaii, where cost of living is higher.

Two types of subsidies are available: A premium assistance tax credit and cost-sharing assistance may also be available. In addition, if your income falls below certain levels, you may qualify for Medicaid, or your children may be eligible for the Children’s Health Insurance Program (CHIP). You can find out if you qualify for any of these programs when you fill out your state’s Health Insurance Marketplace application.

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If you wish to research your options in the public Health Insurance Marketplace and/or through a private insurer, consider the following:

What level of coverage do you need? You have a choice to spend more up front and pay less when you receive care, or you can spend less up front and pay more when you receive care. See more details beginning on page 6.

What type of plan is best for you? See page 7 for definitions of the different types of plans.

Which network(s) does your provider(s) participate in?

How are prescription drugs covered? Are your drugs on the formulary? (See page 6 for definition.)

What are the premiums for the type of plan you’ve selected? Your answers to the above questions will determine how much you’ll pay for coverage.

You and your eligible non-Medicare dependent(s) may enroll in one of the following options:

• A health care plan through the public Health Insurance Marketplace (also known as the “exchange”); or

• A health care plan through a private insurer, which could include your spouse's plan or another employer'splan if you become employed somewhere else.

Understand Your Coverage Options

Research your medical plan options2

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Enroll3

The third step is to enroll in the plan of your choice.

If you choose a public Health Insurance Marketplace plan:• Watch for new ID cards from your new medical plan administrator.

• If you have questions about your coverage or your new plan, contact your new plan administrator directly.

If you choose an individual plan offered through a private insurer:• Watch for new ID cards from your new plan administrator.

• If you have questions about your coverage or your new plan, contact your new plan administrator directly.

Enroll in a Plan

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4

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Researching a Dental PlanHelpful Information as You Shop for a Dental PlanHere are some things to consider as you explore your dental plan choices.

Check to see if your health plan offers dental coverage. Dental coverage is offered as part of some health plans, but not all of them—so review your health plan carefully to see if dental is covered.

Understand that plans and carriers differ by state. The local markets and regulatory requirements drive the products available in each state.

Review each plan’s provider network . Most independent dental insurance plans will only pay for your dental services if you go to a contracted and participating in-network dentist. Find out if you are required to go to a participating dentist or if you can choose your own. If the plan requires you to see an in-network dentist, ask for a list of the dentists in your area with whom they are contracted so you can decide if there is a dentist you would consider seeing. If you wish to stay with your current dentist, some policies allow you to see an out-of-network dentist, but the costs the plan covers may be significantly less.

Understand the yearly maximum . The yearly maximum is the most money that the dental insurance plan will pay within one full year. The yearly maximum will automatically renew every year. If you have unused benefits, these will not roll over.

Compare dental insurance waiting periods . A waiting period is the length of time an insurance company will make you wait after you are covered before they will pay for certain procedures.

Determine which plans cover which procedures . Dental procedures are typically broken down into three categories: preventive, basic or restorative and major. Since all dental insurance carriers are different, it is important to clarify which dental procedures fall under each specific category. This is important because some insurance plans don't cover major procedures and others have waiting periods for certain procedures.

1. Preventive: Most insurance companies consider routine cleanings and examinations as preventivedental care; however, X-rays, sealants and fluoride can be deemed as preventive or basic, dependingupon the specific insurance carrier.

2. Basic or Restorative: Basic or restorative dental treatment usually consists of fillings and simple extractions. Root canals can be considered basic or major. However, the majority of dental plans list root canals as basic.

3. Major: Crowns, bridges, dentures, partials, surgical extractions and dental implants are dentalprocedures that most dental insurance companies consider major procedures.

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Dental plan options*• Delta Dental in your state of residence: http://www.deltadentalmn.org/3m-retirees/

• AARP: aarp.org or http://www.aarphealthcare.com/insurance/dental-insurance.html(You may be required to have an AARP membership.)

• Renaissance Dental: http://www.renaissancedental.com/

• Brokers

*This list is meant to serve as a starting point, it is not inclusive of all insurance carriers nor is it anendorsement from 3M.

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The contact information listed below may not display or provide all data on qualified health plans that are available in your state. You are encouraged to use this list as a starting point for your more comprehensive research.

Public Health Insurance State Name Marketplace or “Exchange” Private InsurerAlabama www.healthcare.gov BlueCross BlueShield of Alabama

www.bcbsal.org855-890-7416Celtic Insurance Company www.celtic-net.com 800-779-7989

Alaska www.healthcare.gov Premera Blue Cross Blue Shield of Alaska www.premera.com 877-773-6372

Arizona www.healthcare.gov Blue Cross and Blue Shield of Arizona www.azblue.com 877-864-4899Cigna Health and Life Insurance www.cigna.com 877-683-2268Health Net www.healthnet.com 877-527-8410

Arkansas www.healthcare.gov Arkansas Blue Cross & Blue Shield www.arkansasbluecross.com 800-392-2583


QualChoice Health Insurance www.qualchoice.com 800-235-7111Ambetter from Arkansas Health & Wellness www.ambetter.arhealthwellness.com 877-617-0390

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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerCalifornia www.coveredca.com Anthem Blue Cross

www.anthem.com/ca 888-553-5423Blue Shield of California www.blueshieldca.com 888-273-0010Cigna Health and Life Insurance www.cigna.com 877-683-2268Health Net Life Insurance www.healthnet.com 877-527-8409

Colorado www.connectforhealth.com Anthem BlueCross BlueShieldwww.anthem.com855-629-9665

Cigna Health and Life Insurance www.cigna.com 877-683-2268Colorado Choice Health Plans www.cochoice.com 800-475-8466Elevate, Denver Health Medical Plan www.elevatehealthplans.org855-823-8872

Bright Healthwww.brighthealthplan.com 844-691-6150


Kaiser Permanente www.kp.org800-464-4000Molina Healthcare www.molinahealthcare.com888-562-5442Oscar Health Plan of California www.hioscar.com855-672-2755

Kaiser Permanente www.kp.org800-632-9700

State Name Public Health Insurance Marketplace or “Exchange” Private Insurer

Connecticut www.accesshealthct.com Anthem BlueCross BlueShield www.anthem.com 855-629-9665ConnectiCarewww.connecticare.com 860-674-5757

Delaware www.healthcare.gov Highmark BCBSD www.highmarkbcbsde.com 877-959-2562


Florida www.healthcare.gov Blue Cross and Blue Shield of Florida (Florida Blue) www.bcbsfl.com 877-465-1125Ambetter from Sunshine Health www.ambetter.sunshinehealth.com 877-687-1169

Cigna Health and Life Insurance www.cigna.com 877-683-2268

UnitedHealthOne www.uhone.com 800-985-2870

Molina HealthCare www.molinahealthcare.com866-472-4585

Georgia www.healthcare.gov Alliant Health Plans www.alliantplans.com 800-811-4793Blue Cross Blue Shield of Georgia www.bcbsga.com 888-553-5426Cigna Health and Life Insurance www.cigna.com 877-683-2268Ambetter from Peach State Health Plans www.ambetter.pshp.georgia.com877-687-1180

Hawaii www.healthcare.gov Hawaii Medical Service Association (BCBS) www.hmsa.com 800-620-4672Kaiser Permanentewww.buykp.org800-488-3590

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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerIdaho www.yourhealthidaho.org Blue Cross of Idaho Health Services

www.bcidaho.com 888-462-7677Mountain Health Co-op www.mhc.coop 855-447-2900

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Regence Blue Shield of Idaho www.regence.com 888-734-3623

Illinois www.healthcare.gov Blue Cross and Blue Shield of Illinois www.bcbsil.com 866-514-8044

Health Alliance Medical Plans www.healthalliance.org 866-247-3296Cigna Health and Life Insurance www.cigna.com877-683-2268

Indiana www.healthcare.gov Anthem Blue Cross and Blue Shield in Indiana www.anthem.com 888-556-9101CareSource www.caresource.com 844-539-1733

Iowa www.healthcare.gov Wellmark Blue Cross and Blue Shieldwww.wellmark.com800-978-3221Medicawww.medica.com800-670-5935

Kansas www.healthcare.gov Blue Cross and Blue Shield of Kansas City www.bcbsks.com 800-438-1565Ambetter Sunflower Health Plan www.ambetter.sunflowerhealthplan.com844-518-9505

Ambetter Insured by Celtic www.ambetter.illinicare.com 855-745-5507

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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerKentucky www.kynect.ky.gov

www.healthcare.gov Anthem Blue Cross and Blue Shield in Kentucky www.anthem.com 888-556-9135CareSource www.caresource.com 844-539-1733


Louisiana www.healthcare.gov Blue Cross Blue Shield of Louisiana www.bcbsla.com 855-343-0361

Maine www.healthcare.gov Anthem Blue Cross and Blue Shield www.anthem.com 855-875-6458Maine Community Health Options www.healthoptions.org855-624-6463

Maryland www.marylandhealthconnection.gov CareFirst Blue Choice www.carefirst.com 888-432-4380

Vantage Health Planwww.vantagehealthplan.com 888-823-1910

Kaiser Permanentewww.kp.org 800-632-9700

Public Health Insurance State Name Marketplace or “Exchange” Private Insurer

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Michigan www.healthcare.gov Meridianwww.meridianchoice.com 855-537-9746Blue Cross Blue Shield of Michigan www.bcbsm.com 855-237-3501HealthPlus www.healthplus.com 877-562-0907Priority Health Insurance www.priorityhealth.com 844-200-8971

Massachusetts Blue Cross and Blue Shield of Massachusetts www.bluecrossma.com 800-422-3545BMC HealthNet Plan www.bmchp.org 800-792-4355

www.mahealthconnector.org

Fallon Community Health Plan www.fchp.org800-868-5200

Harvard Pilgrim Health Carewww.harvardpilgrim.org888-888-4742

Health New Englandwww.healthnewengland.org800-842-4464

Neighborhood Health Planwww.nhp.org800-462-5449

Tufts Health Plan Direct & Premier www.tuftshealthplan.com888-257-1985


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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerMinnesota www.mnsure.org Blue Cross Blue Shield of Minnesota

www.bluecrossmn.com 800-262-0823HealthPartners www.healthpartners.com 877-838-4949Medica Insurance Company www.medica.com 800-670-5935Ucare Minnesota www.ucare.org 855-307-6975

Mississippi www.healthcare.gov Magnolia/Ambetterwww.ambetter.magnoliahealthplan.com 877-687-1187

Missouri www.healthcare.gov Anthem Blue Cross and Blue Shield in Missouri www.anthem.com 844-290-7588Cigna www.cigna.com855-215-3025

Montana www.healthcare.gov Blue Cross and Blue Shield of Montana www.bcbsmt.com 800-438-2268

PacificSource Health Plan www.pacificsource.com 866-695-8684

Nebraska www.healthcare.gov Medicawww.medica.com800-952-3455

Nevada www.nevadahealthlink.comwww.healthcare.gov

Health Plan of Nevada www.myhpnonline.com800-777-1840


PreferredOne www.preferredone.com 800-997-1750

Montana Health Co-op www.mhc.coop 855-447-2900

Silver Summit www.silversummithealthplan.com844-366-2880

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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerNew Hampshire www.healthcare.gov Ambetter

www.ambetter.nhhealthyfamilies.com 844-265-1278

Anthem Blue Cross and Blue Shield www.anthem.com 888-557-8432

New Jersey www.healthcare.gov Ameri Health www.amerihealthnj.com877-744-5422Horizon Blue Cross Blue Shield of New Jersey www.horizonblue.com 888-765-7786

New Mexico www.bewellnm.com www.healthcare.gov

Blue Cross and Blue Shield of New Mexico www.bcbsnm.com 888-809-1135Christuswww.christushealthplan.org844-282-3025


Harvard Pilgrim www.harvardpilgrim.org800-208-1221

New Mexico Health Connections www.mynmhc.org 800-769-6642Molinawww.molinahealthcare.com855-542-1991



New York www.nystateofhealth.ny.gov

Empire BlueCross BlueShield www.empireblue.com 888-553-5429

Excellus BlueCross BlueShield www.excellusbcbs.com 888-679-7105

North Carolina www.healthcare.gov Blue Cross Blue Shield of North Carolinawww.bcbsnc.com800-894-2880Cigna Health and Life Insurance www.cigna.com 877-683-2268

Emblem www.emblemhealth.com877-411-3625

Fidelis Care New York www.fideliscare.org888-343-3547

Health First www.healthfirst.org 855-456-3668HealthNow New York www.healthnowny.com800-945-0556

Independent Health www.independenthealth.com716-631-8701

MVP Health Plan www.mvphealthcare.com800-825-5687

Oscar www.hioscar.com855-672-2788UnitedHealthCare of New York www.uhc.com877-856-2429

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Medical Contact Information by StatePublic Health Insurance

State Name Marketplace or “Exchange” Private InsurerNorth Dakota www.healthcare.gov Blue Cross Blue Shield of North Dakota

www.bcbsnd.com 800-342-4718Sanford Health Plan www.sanfordhealthplan.org 800-752-5863

Ohio www.healthcare.gov Ambetterwww.ambetter.buckeyehealthplan.com877-687-1189CareSource www.caresource.com800-750-0750

Oklahoma www.healthcare.gov BlueCross BlueShield of Oklahoma www.bcbsok.com 800-942-5837

Oregon www.coveroregon.comwww.healthcare.gov

Bridge Span www.bridgespanhealth.com 800-750-0846

Kaiser Permanente www.kp.org800-632-9700

Moda Health www.modahealth.com888-393-2940PacificSource Health Plans—Oregon www.pacificsource.com 866-695-8684

Providence Health Plan www.healthplans.providence.org800-878-4445

Med Mutual (Medical Health Insuring Corp of Ohio)www.medmutual.com866-488-3266

Paramount www.paramounthealthcare.com800-462-3589

Summa www.summahealth.org330-375-3000

Molina Healthcare www.molinahealthcare.com888-562-5442

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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerPennsylvania www.healthcare.gov Capital BlueCross

www.capbluecross.com 800-451-1181

UPMC Health Plan www.upmchealthplan.com877-563-0292

Highmark Choicewww.highmark.comCentral PA: (855) 865-4326Western PA: (855) 865-4325Northeast PA: (855) 856-0316

Independence Blue Cross www.ibx.com 888-475-6206

Puerto Rico Not applicable Humana Health Insurance of Puerto Rico 866-836-6162Triple-S (Puerto Rico) 787-792-2226

Rhode Island www.healthsourceri.com Blue Cross & Blue Shield of Rhode Island www.bcbsri.com 855-690-2583Neighborhood Health Plan of Rhode Island www.nhpri.org855-321-9244

South Carolina www.healthcare.gov BlueCross BlueShield of South Carolina www.southcarolinablues.com 877-313-2583


South Dakota www.healthcare.gov Avera Health Plans www.averahealthplans.com 855-692-8372Sanford Health Plan www.sanfordhealthplan.org 800-752-5863

Tennessee www.healthcare.gov BlueCross BlueShield of Tennessee www.bcbst.com 888-995-7786Cigna Health and Life Insurance www.cigna.com 877-683-2268Oscar www.hioscar.com855-672-2788

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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerTexas www.healthcare.gov AmBetter (Celtic)

www.celtic-net.com 800-779-7989Blue Cross and Blue Shield of Texas www.bcbstx.com 800-531-4456Christus Health www.christushealthplan.org844-282-3025

IdealCare (Sendero Health Plans) senderohealth.com/idealcareeng/512-593-6227Molina www.molinahealthcare.com855-540-1985

Utah www.healthcare.gov Select Healthwww.selecthealth.org800-538-5038


Oscarwww.hioscar.com855-672-2788

Community Health Choicewww.communityhealthchoice.org/855-315-5386

University of Utah Health Plans uhealthplan.utah.edu801-587-6480

Vermont www.VermontHealthConnect.gov Blue Cross and Blue Shield of Vermont www.bcbsvt.com 800-247-2583MVP Healthwww.mvphealthcare.com 800-825-5687



Virginia www.healthcare.gov CareFirst BlueCross BlueShield www.carefirst.com 888-432-4380

Kaiser Foundation Health Plan of the Mid-Atlantic www.thrive.kaiserpermanente.org/800-488-3590

Cigna www.cigna.com/individuals-families/800-997-1654Health Keepers (Anthem) mss.anthem.com/va/virginia-home.html855-323-4687

Optima Health Insurance www.optimahealth.com800-745-1271Piedmont Community Healthcare www.pchp.net800-400-7247

Washington www.wahealthplanfinde .org

Molina Healthcare of Washington www.molinahealthcare.com 888-542-1990

Coordinated Care Corporation www.coordinatedcarehealth.com877-644-4613

Bridgespan www.bridgespanhealth.com 800-750-0846

LifeWise Health Plan of Washington www.lifewisewa.com 888-304-0693

Kaiser Foundation Health Plan of Washington wa.kaiserpermanente.org 800-290-8900

Premera Blue Cross www.premera.com 877-773-6372

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Public Health Insurance State Name Marketplace or “Exchange” Private InsurerWest Virginia www.healthcare.gov Highmark West Virginia

www.highmarkbcbswv.com 877-959-2562

Wisconsin www.healthcare.gov Aspirus Arise www.aspirusarise.com800-332-3297

Common Ground Healthcare Cooperative www.commongroundhealthcare.org877-514-2442

Dean Health Plan, Inc. www.deancare.com 800-279-1301

Medica Insurance Company www.medica.com 800-670-5935

Wyoming www.healthcare.gov Blue Cross Blue Shield of Wyoming www.bcbswy.com 800-851-2227

List current as of Nov. 1, 2017. Please note that coverage and carrier options vary by county. Not all private carriers may be offered in your county.


CareSource www.caresource.com/marketplace/wv/855-202-0622

Group Health Cooperative of South Central Wisconsin www.ghcscw.com608-828-4831

HealthPartners www.healthpartners.com952-883-5599

Mercycare HMO www.mercycarehealthplans.com800-895-2421

Network Health www.networkhealth.com800-826-0904Security Health Plan of Wisconsin www.securityhealth.org800-472-2363

Quartz, Unity Health Insurance www.unityhealth.com800-362-3310

Please recycle. Printed in U.S.A. © 3M 2017. All rights reserved.

Human Resources3M CenterBuilding 0224-02-W-15St. Paul, MN 55144-1000

This document is prepared for U.S. non-Medicare eligible active employees considering retirement.

Important Legal InformationThis document is intended to provide general information and is not intended to provide specific advice to individuals. This document should not be construed and is not intended to provide advice about the Health Insurance Marketplace, dental options in the private insurance marketplace, Medicare and your health care choices. You should consult with your own advisor for guidance specific to your own situation.

3M does not endorse or recommend any particular insurance plan. Individuals are encouraged to investigate individual insurance plans themselves and make their own informed decision about which individual insurance plan is best for them. The insurance plan that individuals select is their own individual plan and is not sponsored or maintained by 3M and is not part of any plan or program established or maintained by 3M.

This document is not the official plan document for the plan, and in the event of any conflict, inconsistency or ambiguity between this information and the official plan documents, the terms of the official plan document will control. 3M reserves the right to modify, amend or terminate the benefit plan, in whole or in part, at any time.

Neither receipt of this document nor its use of the term “you” indicate eligibility for 3M benefit plans. Only those individuals who satisfy the eligibility requirements and other criteria contained in the official plan document are eligible to participate in a 3M benefit plan.

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Documents

Health Insurance Resource Guide · • A health care plan through the public Health Insurance Marketplace (also known as the “exchange”); or • A health care plan through a private