Navigate Plan

UnitedHealthcare

NAVIGATESM PLANA health plan with a primary care physician who is your first contact and who will help guide you toward the right treatment, or the right specialist, at the right time.

NAVIGATE PLAN

WHAT’S IN IT FOR YOU

You must choose a primary care physician in our network.

You can choose any primary care physician in our Navigate network. Once you choose your primary care physician, he or she will provide most of your regular and routine care. This will include annual well visits and preventive care, as well as care for sickness or injury. You must get a referral from your primary care physician before you see another network physician or specialist.

You save money when you use our network.

If you need a referral, you save money when referred to network physicians and specialists. Depending on your plan, without a referral, your costs may be a lot higher or they may not be covered at all. And emergencies are covered anywhere in the world, including emergency care done at a non-network hospital.

Your preventive care is covered 100 percent in our network.

Preventive care services include routine wellness exams, well-child exams, physicals, mammograms, flu shots and other immunizations. As long as you see network doctors, you don’t even have to worry about copayments.

You have coverage for a wide range of prescriptions.

You can fill your prescriptions through one of our 60,000 retail network pharmacies across the U.S. If you have our mail-order service, you may save money with a three-month medication supply, which is mailed to you with standard shipping at no additional cost.

You have coverage for a routine vision exam.

You and your covered dependents are eligible for one routine vision exam. The exam must be done at a network eye clinic. The coverage does not include the purchase of eyeglasses or contact lenses.

See your benefit plan documents for all of the coverage details.

When you enroll in a Navigate Plan, you get a health plan that puts you on the path to the quality of care you deserve. And you get the protection you need from major health care costs.

The plan comes with predictable copayments and other costs when you see your primary care physician or need a prescription, so that there are no surprises.

We can help you make the move from another health plan or network.

Transition of care is available if you are receiving time-limited care for certain medical conditions from a doctor who is not in our network.

2 welcometouhc.com

HOW THE PLAN WORKS

You must select a primary care physician in our Navigate network once you enroll. Your primary care physician can be a general practice, family practice, pediatrician or internal medicine physician. You can select one physician for your entire family, or each covered family member can select their own. Some states will have different requirements for what qualifies as a primary care physician. If you do not select a primary care physician, we will assign a physician for you based on your location and physician availability.

Once you select your primary care physician, he or she will be your first point of contact when you need care. They will provide most of your regular and routine care. This will include annual well visits and preventive care, as well as care for sickness or injury. Your primary care physician will see that you receive the highest quality of care at the right time.

If your primary care physician feels that you need special care beyond what they can provide, they will help arrange it for you and will provide a referral to see a network physician or specialist.

Selecting a primary care physician in our Navigate network.1

Use these helpful tools at welcometouhc.com

Find your primary care physician. Click on Find a Doctor/Hospital

Estimate the cost of the plan. Click on Plan Cost Estimator

Find an eye doctor. Click on Other Benefits > Vision

Find a network pharmacy or look up a medication.Click on Prescription Benefits

See recommended services based on your age and gender using our preventive care tool. Click on Preventive Care

We’ve done the homework for you. Our network includes physicians who are recognized for meeting quality and cost-efficiency guidelines through our UnitedHealth Premium® Designation program. Physicians who meet quality and cost efficiency guidelines receive two , and those who meet quality guidelines receive one .Visit welcometouhc.com to learn more.

3welcometouhc.com

Take an active part in your health care

You take an active part in your health care when you choose a primary care physician. People who are active in their health care decisions:

• Receive more preventive care

• Have fewer hospitalizations

• Have fewer emergency room visits

• Have lower medical costs

Study of UnitedHealthcare members from 2003 to 2005

You can track your referrals on myuhc.com®

After you enroll, you will be able to see all of your referrals on your member website, myuhc.com. You can even print your referral to bring to your appointment.

4 welcometouhc.com

Obtaining referrals to see another physician or specialist.2

If you enroll in the Navigate Plan, you must obtain a referral from your primary care physician before you can see another network physician or specialist. Without a referral, you will have no coverage for that visit, which means you will be responsible for the entire cost. In addition, if you receive care from a physician or specialist who is not in our network, you will also not have coverage.

Referrals are not needed for services from certain network providers, such as obstetricians/gynecologists, behavioral health or substance use disorder clinicians, or for routine eye exams from network providers. You also do not need a referral for services from a convenience care clinic or urgent care clinic as long as they are in the network. Emergency care does not require a referral and is covered anywhere in the world, including at non-network hospitals.

Some procedures or services will require that your primary care physician or specialist get approval, or prior authorization, from UnitedHealthcare before they can be performed. Please see your benefit plan documents to learn more.

The cairn marks the trail

Mountaineers, explorers and hikers use cairns — carefully constructed stone markers — to guide those traveling along the same path. Like the cairn, there’s a health plan that helps members find their way through the health care system. It’s called UnitedHealthcare Navigate.

1

HOW THE PLAN HELPS YOU NAVIGATE YOUR WAY

Your primary care physician will ask questions to try to understand what may be causing the illness. This may include questions about your life and lifestyle habits. If necessary, your physician may order some tests.

If you require care that is an emergency, call 911 or go to the nearest emergency room immediately.

You do not need to see your primary care physician.

You’re not feeling well. You make an appointment to see your primary care physician.

2

3Provide a treatment plan and/or prescribe medications

Most of the time, your primary care physician will be able to provide the quality care you need. He or she will also educate you about your illness or injury and give you information to help you manage and improve your health.

Refer you to a specialist

Your primary care physician may feel you need treatment that they cannot provide. In this case, they will refer you to another network physician or specialist. And they will work with the specialist to make sure you get the right care.

OR

You make an appointment.

Your physician makes an evaluation.

Based on their findings, your physician may:

5welcometouhc.com

THESE SERVICES ARE INCLUDED AT NO EXTRA COST

24-hour registered nurses

You can call a nurse for help anytime. They can help answer questions such as Should I see a doctor for this problem? Does my medication have side effects? and What are my treatment options? They can direct you to network doctors and even schedule appointments.

Healthy Pregnancy Program

We will help soon-to-be-mothers through every stage of their pregnancy and delivery. We will check for risks, share baby-healthy tips, and keep you informed by phone and newsletter.

Care management

We’ll work with you and your physician to help you understand your options if you need care. We’ll also let you know about special programs to help you make health care decisions, such as disease management programs. Some health care services may require “prior authorization.” This is the approval a person receives for care before it is provided. Please see your benefit plan documents to learn more.

Online health coaches and wellness programs

We can help you lose weight, stop smoking and manage stress – all in the privacy and comfort of your home.

ENJOY DISCOUNTS THAT CAN ADD UP TO BIG SAVINGS.

Enjoy a healthy lifestyle for less, with typical discounts of 10 to 25 percent on fitness club memberships, weight loss programs, teeth whitening and more through our health discount program.

Sign up to receive our Healthy Mind Healthy Body® e-newsletter

Members have the option of receiving our award-winning newsletter in their email. You get to choose the topics you want. Plus, you get access to:

• Health and wellness videos from Dr. Mehmet Oz of “The Dr. Oz Show”

• Attend seminars hosted through Source4Women.com

• Promotions to win health-related prizes

6 welcometouhc.comPowered by:

THE FAST AND EASY WAY TO GET THE INFORMATION YOU WANT IS WITHMYUHC.COM

The more you know about cost and the options you have, the easier it is for you to make better decisions. That’s why we offer these online tools to help you manage your health plan and health care spending.

• TheTreatmentCostEstimatortool lets you search for cost estimates of specific treatments. You can even compare costs.

• TheHospitalComparison tool helps you find the nearest hospital or health care facility that provides quality service at the lowest prices for a procedure or condition.

• Ourmedicationpricingtools let you search and compare prescription medication costs and see costs based on your specific plan. It’s an easy way to find lower cost options, like generic medications.

• Fillingprescriptionsthroughmail-order gets you a three-month supply of your maintenance medications. You save because the cost is usually lower than what you’d pay if you were refilling each month. There is no charge for shipping the medication to your home. And it eliminates frequent trips to the pharmacy for refills.

• TheQuickenHealthExpenseTracker®gives you a simple breakdown of your medical claims. You can track your spending and budget for the future. It’s available at no additional cost.

With myuhc.com, we’ll help you choose a doctor with confidence.

Different people need different doctors. Our UnitedHealth Premium designation program takes the guesswork out of your doctor search because it recognizes physicians and hospitals for meeting quality and cost-efficiency guidelines. Just look for the to find them.

THE PLAN IS HEALTH REFORM READY

• Adult children can be covered to age 26.

• Lifetime and annual dollar limits for essential health benefits have been removed.

• Certain preventive services are now covered 100 percent when received by a network doctor.

• You don’t need prior authorization for emergency care at any hospital.

• Mental health and substance use coverage is provided similar to medical and surgical coverage.

Learn more about health reform at welcometouhc.com.

PUT MYUHC.COM IN YOUR POCKET.

If you have a smartphone, you can enjoy myuhc.com mobile. It’s myuhc.com in your pocket so you can look up doctors and benefit information at any time. It even lets you view, fax and email an electronic image of your health plan ID card.

7welcometouhc.com

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc., or their affiliates.

The information provided on included programs is for informational purposes only and is not a substitute for your doctor’s care. Please discuss with your doctor how the information provided is right for you.

The Healthy Pregnancy Program follows national practice standards from the Institute for Clinical Systems Improvement. The Healthy Pregnancy Program cannot diagnose problems or recommend specific treatment. The information provided is not a substitute for your doctor’s care.

For a complete description of the UnitedHealth Premium® designation program, including details on the methodology used, geographic availability, program limitations and medical specialties participating, please see myuhc.com.®

The UnitedHealth Allies® discount program is administered by HealthAllies, Inc., a discount medical plan organization located at P.O. Box 10340, Glendale, CA 91209, 1-800-860-8773. The discount program is NOT insurance. The discount program provides discounts for certain health products and services. The discount program does not make payments directly to the providers of health products and services. The program member is obligated to pay for all health products and services but will receive a discount from those providers who have contracted with the discount plan organization. The health discount program is offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific discounts and to encourage participation in wellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions or other requirements in the state. UnitedHealthcare does not endorse or guarantee health products/services available through the discount program. This program may not be available in all states or for all groups. Components subject to change.

Source4Women content and materials are for information purposes only, are not intended to be used for diagnosing problems and/or recommending treatment options, and are not a substitute for your doctor’s care. Lists of potential treatment options and/or symptoms may not be all inclusive.

Information for individuals residing in the state of Louisiana or have policies issued in Louisiana: Health care services may be provided to you at a network health care facility by facility-based physicians who are not in your health plan. You may be responsible for payment of all or part of these fees for those non-network services, in addition to applicable amounts due for copayments, coinsurance, deductibles, and non-covered services. Specific information about network and non-network facility-based physicians can be found at myuhc.com or by calling the toll-free Customer Care telephone number that appears on the back of your health plan ID card.

UnitedHealthcare Vision® coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, or its affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06 and associated COC form number VCOC.INT.06.TX.

myuhc.com,® Health Care Lane,® UnitedHealth Premium® and Healthy Mind Healthy Body® are registered trademarks of UnitedHealth Group Incorporated.

Quicken Expense Health Tracker® is a registered trademark of Intuit Inc. Used by permission.

100-10574C Consumer 07/11

UnitedHealthcare Insurance Company

welcometouhc.com

© 2011 United HealthCare Services, Inc. UHCEW537132-000

We’re making health care easier while helping you live healthier.

Use your smartphone to scan the image at right or visit www.healthcarelane.com/mobile/apps.

Digital f les that include the FSC logo artwork and RRi Donnelley License code cannot be printed or otherwise reproduced without the consent and direction of RR Donnelley as the FSC chain of custody certif ed printer. i

IL SAMPLE SR#