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 Introduction to Bravo Health Partners Capabilities  How to Make the Most Out of Your Bravo “Hybrid” powered by Redirect HealthLarry ThextonVice President, Broker RelationshipsSouthwest Region larry.thexton@bravohealthpartners.com817-231-0717www.bravohealthpartners.com

About Bravo Health PartnersOur Mission- provide multiple transparent healthcare plans that are affordable, usable and sustainable for every American. How will we do this- TOGETHER we will focus on building common sense healthcare plan designs in the level & partially self funded vertical. From template and “ground up” health plans we will leverage VPC, DPC, mental health, wellness, rewards, direct contracting, networks, stop loss, and transparent PBMs whose goals mirror our mission. We have trusted working relationships with both local and widely recognized broker partners such as….

Carriers, Stop Loss & NetworksFocus on plan designs that adhere to the needs of the “purchaser & user”- 100% top of mind for Employers with 2 - 1,000+ employees• Hybrid- the look and feel of fully insured with no underwriting, national pricing, zero or low out of pockets built on an ERISA chassis• Level Funded- educate the client on the option of the best of both worlds when focusing on max funding with premium return options.• Self Funded- pull out the recipe book and let's build the plan based on the clients needs and risk profile based on 3-to-5-year time horizon. Yes, this design can lead to great care utilization and BIG SAVINGS to all!!

QTB/RFP and Software/Tech Partners Q. Why should this matter to me as a broker? A. With Bravo you have a team working, learning and looking after your best interests in the everchanging and evolving landscape of Healthcare. Salesforce, Benelinx & Employee Navigator- we know YOU; we know what business you have trusted us with, and we will focus on QUALITY, so you retain the business you worked so hard to earn. We invested in time tested software to stay abreast of enrollment needs, new business, day to day issues, service tickets, marketing and renewal RFPs; we got YOU covered!! Plansight, Zywave & Formfire- RFP software that brokers leverage to save marketing time and allows us to help with all returned quotes into a single place so that you can win or retain the account. We are learning so much and we will pass this learning on to you! RX partners- the cost of Specialty Rx is upwards of 80% of claims so we are partnering with the likes of Global Health Mgmt RX, Samaritan Fund, Evernorth & Rx Pharmacy Assurance to provide assurance and de-risk medical plans App Tech- power of the plan in the palm of your hand. Integrated with network, pricing, steerage and claims data. Medxoom, Hercules, Handl Health & Zakipoint Care Navigation- 24/7/365 virtual care, access to doctors and more. RDH, Telescope, MediOrbis & Rightway help connect the dots to transparency

Hybrid Self Funded Health Plans

Excluded Services & Options Options available Tokio Marine & QBE for Transplant (Not available in all 50 states) Self Administered HRA for Specialty RX and other exclusions (Year 1 – 50% of savings) Advocacy for other financial support from local, state and federal sources for excluded services Advocacy and support for RX manufacturer program process Specialty RX Only Stop Loss Options Embarc Benefit Protection by Evernorth- Gene therapy solutions Samaritan Fund- help when an employee needs it the most and the benefits to the plan8- MEC or EDC Routine- Employer agrees to contribute 100% of the cost and 50% of EE on any Hospital plans offered

Let's BUNDLE…

Available with Bravo HOSP & HOSP PlusGoalOpportunity to reduce out-of-pocket expenses for the employee down to zero! Get all the care you need at a price the members value and can afford!!ValueDeductible and Coinsurance are paid directly to the provider by the GAP carrier and does not require Member to pay and then seek reimbursement. Medical and Rx Copays are paid by the Member and then file for reimbursement by the GAP carrier. SHLI is over 100 years old and carriers a A- rating with AM Best and KrollBasic$0 DeductibleStandard$0 Deductible $0 CoinsurancePremium (Ask Us)$0 Deductible$0 Coinsurance$0 Medical CopaysElite (Ask Us)$0 Deductible$0 Coinsurance$0 Medical Copays$0 Rx Copaysbravo bundles

Confi dential & Proprietary 1How to Make the Most Out of Your Redirect Health Plan

Who is Redirect Health RDH is a Program Manager that manages the healthcare Journey in such a way that healthcare costs are reduced by at least 50%. RESULT: Simple and truly affordable Healthcare EVERYONE can use 2 of the 3 Founders are doctors- health plans “built by doctors”- focus on Care• Over 25 years in practice with 3M visits• Membership in all 50 states for last 10 years – over 70k members in eco system Membership Focus• Groups over 20EE with 10 enrolled (we do have options down to 2 enrolled)• Manages the Self-funded ERISA plan bundled with Reinsurance and transparent upfront premiums• Broker, Medical and TPA licensed in all 50 states• Aligned & Integrated COLLABORATION- focus on the Purchaser and Users!• Checkpoints with Broker and Employer partners• Pre- education Q&A Enrollment & Open Enrollment• Redirect App download and Usage• Weekly touch base until Group says “Got it”

20-40% savings sounds too good to be TRUE…. It doesn’t have to beTransparency of pricingNo Surprise ActVPC, DPC, Hospital/Facilities/Doctors –MRFDirect contractsCash pay discountsFocus on CARECoordination, Navigation, Pre-negotiation for all your employeesLicensed medically and TPA in all 50 statesCollaboration and aligned interests to save time and moneyUse the Redirect AppUse the AppGet all the care you need + right place = right priceUse the appUse the appUse the app

Care, RX & Advocacy ProcessMultiple PBMs RDH pays dispense fees, pass through 100% pricing and 100% rebates go back to the aggregate pool)• Drexi & Kroger Pharmacy• Internal advocacy team to help with financial assistance for RX and other care needsPrimary Care, Urgent Care, Facilities and Hospitals• PHCS Network• Direct Contracts, Single case agreements, Quick Pay• MD Save, Coral and more

Use the App ...Confidential & Proprietary13Access Your ID Card(s)View and update your ID and membership informationUpload Bill & ReceiptUpload a picture of any bill or receipt you may receiveSpeak with a MedicalProviderSchedule a time convenient for you, 24 / 7 / 365Submit an ExtraHelp™Fast-track any questionor concernPay my DoctorEven help your doctorget paid fastOut-of-Pocket SummaryEasily submit to request an overview of allyour Out-of-Pocket costsUpdate your RecordsAdd a dependent, request a new doctor or prescription, and moreAccess Plan DetailsView benefit information or ask a question

How Care Works for Members

REMINDER: If you believe you needcritical help immediately, dial 911 andsimply contact us when you are able toWhy Reach Out to Us?Confidential & Proprietary15Start With the Redirect Health Member AppRequest a virtual visit with a provider or notify us of anyupcoming appointments right from the app!Coordinate Care – Virtual-FirstSimply choose a time and a Redirect Health provider willgive you a callNavigate the Healthcare SystemWe’ll guide you and ensure you receive the care you need, fromprescription refills to helping set up in-person careFollow-UpIf you have questions or concerns, we’ll make sureeverything gets resolved1234We’ll help you determine if you need virtual, in-person,urgent, or emergency care

Common ScenariosConfidential & Proprietary16Many things can happen when navigatingthe world of healthcareRedirect Health is here to make your experience as simple as possibleLet’s go over some common scenarios

Did You Recieve a Bill? Use the App toSubmit a BillConfidential & Proprietary17Use the app for proper coordination and billingSometimes a bill gets sent directlyto the memberIf you do receive a bill, upload itin the Redirect Health MemberApp1On the home screen, tap “UploadBill & Receipt”2Tap “Next” to upload your billor receipt3Upload a photo ofyour bill orreceipt, and fillout the form,then tap “Submit”REMINDER: When we receive a bill upload the processwill usually take just a few days to resolve, however, it is not uncommon forsome providers to take 30-45 days to respond

Have an Important Procedure? Reach OutConfidential & Proprietary18What should you do if you need a surgery orprocedure?1Reach out through the Redirect HealthMember App as soon as possible•Reduce out-of-pocket costs•Limit risks•Best experience possible

Need a Refill? Request a RX RefillConfidential & Proprietary19Submit a refill request in the Redirect Health Member App!1On the home screen, tap “I Need Careor Prescriptions”2Tap “$0” next to Prescription Refill, and then tap“Next” at thebottom3Choose a member, add the Medication name andtap “Next”4Fill out the form and then tap “Next”5Pick a convenient timeand thentap “Submit”

4Enter your first andlast name and date ofbirth and then tap “Next”1Visit us at RedirectHealth.com/App andselect the appropriate appstore for your phone:Apple or Google2Download from the appstore and then open theapp3On the login screen, locate the buttonat the bottom and tap“Register”Make the most out of your benefits and minimize out-of-pocket costs.Always start with the Redirect Health Member App!How to Download the AppAge 18+Aim for 90%Confidential & Proprietary20DownloadedScan to Download, or VisitRedirectHealth.com/App

How to Download the App (Cont.)Age 18+Aim for 90%Confidential & Proprietary21Downloaded8You are logged in5Enter a valid mobile phone number and thentap “SendVerification Code”6Enter the verification codethat you received fromyour text and tap “Verify”7Registration iscompleteMake the most out of your benefits and minimize out-of-pocket costs.Always start with the Redirect Health Member App!Scan to Download, or VisitRedirectHealth.com/App

Need Your Member Information? Access Your MemberID/Rx CardConfidential & Proprietary22Is your pharmacy or provider askingfor your Member ID?•Access it right within the RedirectHealth Member App•Text or email your card

Not Sure What To Do? Submit an ExtraHelp™Confidential & Proprietary23What happens when things get off track?•Submitan ExtraHelp™•Available 24/7