2024 Updated DD Equipment DVO OE Kit : simplebooklet.com

Your Dental BenefitsSpecially Prepared for the Employees ofD & D Equipment Co Inc The summary below does not cover all plan details. Further information can be found in the summary plan description or dental benefit handbook. That document provides a thorough explanation of your dental plan, including any limitations or exclusions that might apply. If there are any discrepancies between information found here and the group contract, the group contract shall govern.Benefit Plan DesignDelta Dental PPODelta Dental PremierWhen you see aWhen you see aDelta DentalDelta Dental PremierPPO dentistor any other dentistIndividual Annual Maximum$1,000 $1,000Deductible Individual$50 $50 Family $150 $150Dependent EligibilityDependents are eligible to the date on which they attain age 26 and full-time students to the date on which they attain age 26; except as noted for orthodonticsDiagnostic & Preventive Services Exams100%100% Cleanings100%100% Fluoride treatments100%100% X-rays100%100% Sealants100%100% Space maintainers100%100% Deductible appliesNoNoBasic & Major Services Emergency treatment to relieve pain80%80% Fillings80%80% Endodontics –nonsurgical50%50% Endodontics –surgical50%50% Periodontics –nonsurgical50%50% Periodontics –surgical50%50% Extractions -nonsurgical80%80% Extractions -surgical and other oral surgery50%50% Crowns, inlays, onlays50%50% Bridges and dentures50%50% Repairs and adjustments to bridges and dentures50%50% Implants 50%50% Deductible appliesYesYesOrthodontic Services Coverage copayment50%50% Individual lifetime maximum$1,000$1,000 Dependents eligible to age1919 Full-time students eligible to age1919 Adult orthoNoNo Deductible appliesYesYesSpecial Plan Provisions (see following pages for more information) Evidence-Based Integrated Care PlanYesYes CheckUp PlusYesYes Vision Discount ProgramYesYes

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Specially prepared for the employees of D & D Equipment Co IncA Better PPO from Delta DentalDelta Dental is the nation’s largest and oldest dental-benefits specialist built on the guiding principle that dental benefits should be simple and hassle-free. Delta Dental of Wisconsin was founded in 1962 with the same goal. Combined, member companies of the Delta Dental Plans Association serve more than 59 million people in nearly 97,000 groups nationwide. With some PPO plans, you don’t get much choice of providers. And if you go out of network, your provider may balance-bill you. But your Delta Dental PPO plan is different. The Delta Dental PPOnetwork, with more than 165,000 dentist locations nationwide, is backed by the Delta Dental Premier network, with more than 247,000 dentist locations nationwide – almost 80% of the nation’s dentists. Your lowest out-of-pocket costs come from seeing a Delta Dental PPO dentist, but you’ll also enjoy cost advantages if you see a Delta Dental Premier dentist. That means savings on out-of-pocket costs and better choice. Here’s an example:PPO Savings, With A “Safety Net”Delta Dental PPO DentistDelta Dental Premier DentistOut-of-Network DentistDentist’s Normal Fee$720$720$720Allowed Amount$590$680$680Dentist Fee Adjustment Due to Delta Dental Agreement$130$40None50% Benefit Paid by Plan$295$340$340Patient Responsibility$295$340$380Advantages of Delta Dental Network DentistsNoncontracted DentistsDelta Dental Premier Network DentistsDelta Dental PPO Network DentistsAgreed-to fee ceilings (no balance-billing): Dentist agrees to fee ceilings. If his/her normal charge is higher than the fee ceiling, he/she can’t pass the balance on to you.Additional fee schedule savings: Dentist agrees to a reduced fee schedule. Saves out-of-pocket expenses for you.Convenient claims processing: Dentist is required to file claims on your behalf, saving you the hassle of doing so yourself. Claims payments go directly to the dentist.Treatment guarantees: Examples -- Repair or replace dental restorations should they fail within 24 months.Confirming Your CoverageIf you are not sure of the effective date of your coverage, please call Delta Dental at 800-236-3712 before you have any dental work done.Also, before scheduling appointments for extensive dental care, you may ask your dentist to send the treatment plan to Delta Dental. The plan will be reviewed by Delta Dental and you and your dentist will receive a Predetermination of Benefits form. You and your dentist may then discuss the treatment and your out-of-pocket costs. Delta Dental encourages you to be informed about your dental care.Delta Dental’s Websitewww.deltadentalwi.com has a lot to offer. You can use it to obtain coverage information under your plan, check the status of a claim, find a network dentist, evaluate your oral health and learn ways to improve and protect it. Visit www.deltadentalwi.com for eligibility, claims or dentist information.Also, our Benefit Advisors are available every weekday from 7:30 a.m. to 5 p.m. (Central Time) to answer your questions. Call us at 800-236-3712. We look forward to talking with you!

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Specially prepared for the employees of D & D Equipment Co IncSpecial Plan ProvisionsYour group dental plan from Delta Dental of W isconsin includes one or more special features designed to encourage good oral health and promote overall health. Details of these provision(s) are addressed in the policy amendments provided with your dental plan handbook. Below is a brief summary.Evidence-Based Integrated Care Plan: Expanded benefits for persons with medical conditions that have oral health implications Delta Dental of Wisconsin’s Evidence-Based Integrated Care Plan (EBICP) option is included in your plan. It provides additional benefits for persons with medical conditions that have oral-health implications. Conditions include:o Diabeteso Pregnancyo Specific heart conditions that pose a risk of certain types of infectiono Kidney failure or dialysiso Suppressed immune systemo Cancer therapyo Periodontal disease EBICP’s unique enrollment mechanism requires no medical claims be filed. EBICP requires self-enrollment by the patient or his/her dentist at www.deltadentalwi.com, or by calling 800-236-3712. Learn more at www.deltadentalwi.com/your-health/medical-conditions.CheckUp Plus™ Promoting wellness  CheckUp Plus™ lets you obtain diagnostic and preventive services - including examinations, X-rays, regular cleanings and other related treatments - without the costs of those services applying to your individual annual maximum.  The full value of your annual maximum is applied to the benefits you receive for basic and major restorative services. CheckUp Plus™ promotes regular visits to the dentist for exams and cleanings, which can improve your oral health and overall health.Vision Discount Program: Save money on your vision-care needs  Your dental plan also includes a vision-care discount program. The vision-care discount is available under a nationwide network of providers administered by EyeMed Vision Care. Under the plan, dental-plan enrollees are eligible for savings up to 35% on exams, eyewear, and contact lenses offered by participating providers. For a complete benefit summary and provider directory, go to www.deltadentalwi.com/visionproviders. This is not insurance.

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Finding a Network DentistAt Delta Dental of Wisconsin, our dentist directories are accessible online, via our mobile app, and by phone.Delta Dental has more than 145,000 participating dentists in our networks across the United States. More than three-fourths of U.S. dentists belong to a Delta Dental network.on the web• Go to www.deltadentalwi.com and select “Find A Network Dentist” from the “Provider Search” tab. • Select a network* (Delta Dental PPO or Delta Dental Premier) from the dropdown menu.• Enter your city and state, or ZIP code. The Advanced Options dropdown allows you to search for dentists by their last name or practice name. Dentist listings will appear according to distance.• You can reﬁne your search by specialty, gender, language spoken, and hours of operation as well as other criteria.• Your search results can be sorted by distance, name, city, or zip code. This list can be printed, emailed, or saved as a PDF.mobile appDelta Dental’s mobile app is available for smart phones and tablets using iOS (Apple) or Android. To download the app on your device, visit the App Store or Google Play and search for “Delta Dental.” • Log in to the mobile app and click on “Find a Dentist.”• Select a network* (Delta Dental PPO or Delta Dental Premier) from the dropdown menu.• Search by address or current location.Once you’ve found a dentist, save your dentist to your contacts, call to schedule a visit, or get directions to their oce with the touch of your ﬁnger.by phoneFrom a touch-tone phone, call 800-236-3712 and follow the automated instructions. Participating dentists are searched by ZIP code.www.deltadentalwi.comSS302-1710Connect With UsA simple search tool tohelp make you smile.*Please visit the member connection at www.deltadentalwi.com to verify plan design and network options available to you.

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Delta Dental Mobile App FeaturesLog in to access the full range of tools and resources.mobile ID cardEmail your ID card to plan dependents from your phone, or easily save it to your device for quick access, including Apple Passbook and Google Wallet.my coverage and my claimsView information on your dental plan and coverage details, and check the status of claims for you and your dependents. Easily add your dependents to your account so you can access the whole family’s coverage in one spot.ﬁnd a dentistIt’s easy to ﬁnd an in-network dentist near you. Search and compare dental oces to ﬁnd one that suits your needs. Save your family’s preferred dentists to your account for easy access.dental care cost estimator* Find out what to expect with our Dental Care Cost Estimator. Our easy-to-use tool provides estimated cost ranges on common dental procedures for dentists in your area. Select your dentist for tailored cost estimates. toothbrush timerHelp your family keep up with their oral health routine by using this handy tool. Our timer counts down for two minutes while reminding you to brush each tooth.schedule dental appointments*View and select open appointment times with participating dentists, making scheduling dental appointments more convenient than ever. (Powered by Brighter Schedule)Secure Access to Your BeneﬁtsYou must log in each time you access the secure portion of the app. No personal health information is ever stored on your device. For more details on security, our Privacy Policy can be viewed by clicking the lock icon on the main menu.SS332A-1706Please note information displayed may vary based on your particular coverage. For more information on your coverage, log in to the Member Connection at www.deltadentalwi.com, or contact us at 800-236-3712. *Feature not available in all geographic areas and is subject to dentist participation

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With a PCP, there’s a doctor in your cornerA PCP is a primary care provider, sometimes called a primary care physician. They are the doctor who can help connect you to the care you need—and help you avoid cost surprises. A PCP can be a family practitioner, internist, pediatrician or general medicine physician.* Although your plan may not require you and each covered family member to select a network PCP,** it can be a good idea to have one. Your PCP:Advises you when to see a specialist and provides electronic referralsGenerally knows your health history and health goalsProvides routine care, which may help identify potential health issues earlier*Laws in some states allow you to choose a specialist, like an OB/GYN, as your PCP. **Depending on your health plan, selection of a PCP may be required.Keep up on preventive carePreventive care—such as routine wellness exams and certain recommended screenings and immunizations —is covered by most of our plans at no additional cost when you see network providers. A preventive care visit may be a good time to help establish your relationship and create a connection for future medical services. Learn more at uhc.com/health-and-wellness/preventive-care.Find a network providerSign in to myuhc.com > Find Care & Costs to find a network PCP, clinic, hospital or lab based on location, specialty, availability, hours of operation and more. You can even see patient ratings and estimate the cost of care before you choose a provider. If you would like more information about a provider's qualifications, call the member phone number on your ID card.Choose a doctor The UnitedHealth Premium® program uses national, evidence-based, standardized measures to evaluate physicians in various specialties to help you locate quality providers. Find UnitedHealth Premium Care Physicians by going to myuhc.com > Find Care & Costs and look for blue hearts.Finding the care you need | 5

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Here’s an example of how a typical health plan worksLet’s take a look at an example of how a typical plan works when you receive care from a network provider. Your plan may be different than this example, so to find your specific details go to myuhc.com > Coverage & Benefits.At the start of your plan year, you pay 100% of your covered health services until you meet your deductible, which is the amount you pay before your plan starts sharing costs.Now, your health plan starts to share a percentage of the costs with you — this is your coinsurance.* Here, your plan’s got you covered at 100%. Your out-of-pocket limit is the most you could pay for covered services in a plan year — copays and coinsurance count toward this.Along the way, you may also be required to pay a fixed amount — or copay — each time you see a provider.You pay 100%*Your plan pays 100%You pay Your plan pays *Your deductible and coinsurance may vary by plan or service. This example is for illustrative purposes only. Please refer to your official plan documents for coverage details.Plan start Deductible reached Out-of-pocket limit metHospital careTalk to your PCP first to determine which hospital in your network can meet your medical or surgical needs. You or the admitting physician may be required to notify us before you’re admitted.Prior authorizationYour plan may also require prior authorization, sometimes called preauthorization, before you receive certain services. Call the member phone number on your ID card <or sign in at myuhc.com > Coverage & Benefits> to check if prior authorization is needed.No referrals neededIf you need to see a specialist, you don’t need to get a referral from your PCP.Here’s what to do if you need:20%80%6 | Finding the care you need

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Compare options, help keep costs downGetting care at the place that may best fit your condition or situation may save you up to $2,400 compared to an emergency room (ER) visit.*Care options to considerPrimary care provider (PCP)24/7 Virtual Visits Urgent care Emergency roomThe provider who may know you bestA care provider over the phone or by videoPhysicians and care teams at walk-in clinicsPhysicians and care teams at hospital emergency departmentsAverage cost*In-person: $170 Virtual: $99 or less*** Less than $49** $185 $2,600AllergiesBladder infection/UTIBroken boneBronchitisChest painCoughCOVID-19 symptomsEaracheFeverFlu/common coldMigraine/headacheMuscle ache/sprainPinkeyeShortness of breathSinus infectionSkin rashSore throatStomach pain (nausea, vomiting, diarrhea)Yeast infection Indicates the care option to consider for the common conditions listed above.START HERE*Source 2021: Average allowed amounts charged by UnitedHealthcare Network Providers and not tied to a specific condition or treatment. Actual payments may vary depending upon benefit coverage. (Estimated $2,400 difference between the average emergency room visit, $2,600 and the average urgent care visit $185.) The information and estimates provided are for general informational and illustrative purposes only and is not intended to be nor should be construed as medical advice or a substitute for your doctor's care. You should consult with an appropriate health care professional to determine what may be right for you. In an emergency, call 911 or go to the nearest emergency room. **The Designated Virtual Visit Provider's reduced rate for a 24/7 Virtual Visit is subject to change. ***Virtual primary care are services available with a provider via video, chat, email, or audio-only where permitted under state law. Virtual primary care services are only available if the provider is licensed in the state that the member is located at the time of the appointment. Virtual primary care is not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Certain prescriptions may not be available, and other restrictions may apply. 24/7 Virtual Visits is a service available with a Designated Virtual Network Provider via video, or audio-only where permitted under state law. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.Check your official health plan documents to see what services and providers are covered by your plan.To learn more, visit uhc.com/quickcare.Finding the care you need | 7

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Keep costs in checkYour Prescription Drug List (PDL) — available on myuhc.com — lists the most commonly prescribed medications covered by your plan. Choosing medications in the lower tiers may help you save money. And, consider generic medications instead of brand names, which may keep costs down. Say hello to Optum Rx Optum Rx® pharmacy services help make it easier to save on medications and keep track of them, too — whether you're online or on the go.Manage your medsWhen you go to myuhc.com > Pharmacies & Prescriptions you can:• Find and compare medication costs• Locate a network pharmacy• See if your medications have any requirements before filling themCritical medications available for $0 out-of-pocket Designed to help make prescription drugs more affordable, the UnitedHealthcare Vital Medication Program eliminates out-of-pocket costs for certain preferred medications that are critical to maintaining health, including:• Insulin — rapid, short and long-acting insulins to treat diabetes• Epinephrine — to treat allergic reactions• Glucagon — to treat hypoglycemia (low blood sugar)• Naloxone — to treat opioid overuse• Albuterol — to treat asthmaUse home delivery Order up to a 3-month supply of medications you take regularly.* Sign up on myuhc.com, use the UnitedHealthcare app or call the member phone number on your ID card. Make sure you have at least a 1-month supply to cover you through the transition.*Not all prescriptions are eligible for home delivery.Pick up at the pharmacyShow your ID card at any network pharmacy — which can be found by checking the Pharmacy Locator at myuhc.com, on the UnitedHealthcare app or by calling the member phone number on your ID card.Two ways to fill your prescriptions8 | Using your pharmacy benefits

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Behavioral SupportTap into behavioral health supportGet connected to self-help digital tools, in-person or virtual behavioral health providers and other resources that may help with a variety of concerns, such as stress relief, depression and anxiety, relationship difficulties, grief and loss, medication management, alcohol and drug use, compulsive habits, eating disorders and more. Call the member phone number on your ID card or visit myuhc.com.Employee Assistance Program It helps to have someone to talk toWhen life gets stressful, the Employee Assistance Program (EAP) is just a phone call away. EAP coordinators are available 24/7 for confidential conversation and referrals to expert care and services to help with personal or work-related challenges — from helping you address depression, stress, anxiety or substance use issues to finding support for child and elder care services and more. Call the member phone number on your ID card or learn more at www.uhc.com/eap.Self CareSupport for when you feel stressed Get access to self-care techniques, coping tools, meditations and more — anytime, anywhere. With Self Care, you'll get new, personalized content each week that's designed to help you boost your mood and shift your perspectives. Tap into clinician-created tools — all here to help support your self-guided journey to better mental health. Get to know Self Care from AbleTo® at ableto.com/begin.UnitedHealthcare RewardsGet in, get rewarded Earn dollars for taking small steps toward creating a healthier lifestyle. How you earn your reward money is up to you, as long as you meet program goals. Choose from a variety of reward activities, including fitness tracking, sleep monitoring and one-time actions specific to your plan. To start earning, download the UnitedHealthcare app and activate UHC Rewards. Real AppealHealthier habits, healthier lifestyle Take small steps for lasting change with Real Appeal®, an online weight management support program. It's designed to help you live a healthier life with online coaching, access to online fitness content, tools to track your progress and more. Get started at enroll.realappeal.com.Quit For LifeQuit tobacco for goodWith a coach on your side, it may be easier to leave tobacco behind. The Quit For Life® program includes online support, a customized action plan and more to help you go tobacco-free. Enroll today at myuhc.com.10 | Exploring your health plan benefits

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If you think you weren't treated fairly because of your sex, age, race, color, disability or national origin, you can send a complaint to the Civil Rights Coordinator:Mail: UnitedHealthcare Civil Rights Grievance P.O. Box 30608 Salt Lake City, UT 84130Online: UHC_Civil_Rights@uhc.comYou must send the complaint within 60 days of when you found out about it. A decision will be sent to you within 30 days. If you disagree with the decision, you have 15 days to ask us to look at it again. If you need help with your complaint, please call the toll-free member phone number listed on your ID card. You can also ﬁle a complaint with the U.S. Dept. of Health and Human Services:Online: https://ocrportal.hhs.gov/ocr/portal/lobby.jsfComplaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.Phone: Toll-free 1-800-368-1019, 1-800-537-7697 (TDD)Mail: U.S. Dept. of Health and Human Services 200 Independence Avenue SW, Room 509F HHH Building Washington, DC 20201We provide free services to help you communicate with us such as letters in other languages or large print. You can also ask for an interpreter. To ask for help, please call the toll-free member phone number listed on your health plan ID card.We do not treat members differently because of sex, age, race, color, disability or national origin.ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al número de teléfono gratuito que aparece en su tarjeta de identiﬁcación.請注意：如果您說中文 (Chinese)，我們免費為您提供語言協助服務。請撥打會員卡所列的免付費會員電話號碼。XIN LƯU Ý: Nếu quý vị nói ếng Việt (Vietnamese), quý vị sẽ được cung cấp dịch vụ trợ giúp về ngôn ngữ miễn phí. Vui lòng gọi số điện thoại miễn phí ở mặt sau thẻ hội viên của quý vị.알림: 한국어(Korean)를 사용하시는 경우 언어 지원 서비스를 무료로 이용하실 수 있습니다. 귀하의 신분증 카드에 기재된 무료 회원 전화번호로 문의하십시오.PAALALA: Kung nagsasalita ka ng Tagalog (Tagalog), may makukuha kang mga libreng serbisyo ng tulong sa wika. Pakitawagan ang toll-free na numero ng telepono na nasa iyong identiﬁcation card.:      ,      (Russian).     ,     .:     (Arabic)       .           .ATANSYON: Si w pale Kreyòl ayisyen (Haitian Creole), ou kapab beneﬁsye sèvis ki gratis pou ede w nan lang pa w. Tanpri rele nimewo gratis ki sou kat idantiﬁkasyon w.ATTENTION : Si vous parlez français (French), des services d'aide linguistique vous sont proposés gratuitement. Veuillez appeler le numéro de téléphone gratuit ﬁgurant sur votre carte d'identiﬁcation.UWAGA: Jeżeli mówisz po polsku (Polish), udostępniliśmy darmowe usługi tłumacza. Prosimy zadzwonić pod bezpłatny numer telefonu podany na karcie identyﬁkacyjnej.ATENÇÃO: Se você fala português (Portuguese), contate o serviço de assistência de idiomas gratuito. Ligue gratuitamente para o número encontrado no seu cartão de identiﬁcação.ACHTUNG: Falls Sie Deutsch (German) sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen zur Verfügung. Bitte rufen Sie die gebührenfreie Rufnummer auf der Rückseite Ihres Mitgliedsausweises an.          (Farsi)     :.              .  ध्यान दें: यदि आप हिंदी (Hindi) बोलते है, आपको भाषा सहायता सेबाएं, नि:शुल्क उपलब्ध हैं। कृपया अपने पहचान पत्र पर सूचीबद्ध टोल-फ्री फोन नंबर पर कॉल करें।D BAA’KONNZIN: Din (Navajo) bizaad bee yniłti’go, saad bee ka’anda’awo’g, t’ jk’eh, bee n’aht’i’. T’ shd ninaaltsoos nitł’iz bee nhozing bine’d’ t’ jk’ehgo bsh bee hane’ bik’g bee hodilnih.Here's the fine print

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Visit www.uhc.com/legal/required-state-notices to view important state required notices.Member phone number services should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. Theinformation provided through the member phone number services are for informational purposes only and provided as part of your health plan. Wellness nurses,coaches and other representatives cannot diagnose problems or recommend treatment and are not a substitute for your doctor’s care. Please discuss with yourdoctor how the information provided is right for you. Your health information is kept confidential in accordance with the law. Member phone number services arenot an insurance program and may be discontinued at any time.Certain preventive care items and services, including immunizations, are provided as specified by applicable law, including the Patient Protection and AffordableCare Act (ACA), with no cost-sharing to you. These services may be based on your age and other health factors. Other routine services may be covered under yourplan, and some plans may require copayments, coinsurance or deductibles for these benefits. Always review your benefit plan documents to determine yourspecific coverage details.Evaluation of New Technologies: UnitedHealthcare’s Medical Technology Assessment Committee reviews clinical evidence that impacts the determination ofwhether new technology and health services will be covered. The Medical Technology Assessment Committee is composed of Medical Directors with diversespecialties and subspecialties from throughout UnitedHealthcare and its affiliated companies, guest subject matter experts when required, and staff from variousrelevant areas within UnitedHealthcare. The Committee meets monthly to review published clinical evidence, information from government regulatory agenciesand nationally accepted clinical position statements for new and existing medical technologies and treatments, to assist UnitedHealthcare in making informedcoverage decisions.The information in this guide is a general description of your coverage. It is not a contract and does not replace the official benefit coverage documents which mayinclude a Summary of Benefits and Coverage and Certificate of Coverage/Summary Plan Description. If descriptions, percentages, and dollar amounts in thisguide differ from what is in the official benefit coverage documents, the official benefits coverage documents prevail.Twitter is a registered trademark of Twitter, Inc. Facebook is a registered trademark of Facebook, Inc. YouTube is a registered trademark of Google, Inc. Instagramis a registered trademark of Instagram, LLC.The UnitedHealthcare® app is available for download for iPhone® or Android®.Android is a registered trademark of Google LLC.Google Play and the Google Play logo are registered trademarks of Google Inc.Apple, App Store and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.All UnitedHealthcare members can access a cost estimate online or on thea mobile app. None of the cost estimates are intended to be a guarantee of your costsor benefits. Your actual costs may vary. When accessing a cost estimate, please refer to the Website or Mobile application terms of use under Find Cost and Caresection. Refer to your health plan coverage documents for information regarding your specific benefits.Optum Rx® is an affiliate of UnitedHealthcare Insurance Company.If you are not currently enrolled with UnitedHealthcare pharmacy benefit coverage, you may access your health plan’s member website for additional informationduring your open enrollment period or you may contact your employer or health plan for additional information.Medications are categorized by common therapeutic conditions in this reference guide for ease of reference only. These categories do not determine coverage forthe medication for your condition. Your benefit plan determines how these medications may be covered for you.Where differences are noted between this reference guide and your benefit plan documents, the benefit plan documents will govern.This document applies to commercial group members of UnitedHealthcare plans.The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physiciandirectories at myuhc.com®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physicianand may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with himor her for advice on selecting other physicians. You should also discuss designations with a physician before choosing him or her. Physicianevaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com for detailed program information andmethodologies.Advocate4Me® should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. The informationprovided through the program is for informational purposes only and provided as part of your health plan. Wellness nurses, coaches and other representativescannot diagnose problems or recommend treatment and are not a substitute for your doctor’s care. Your health information is kept confidential in accordance withthe law. The program is not an insurance program and may be discontinued at any time. Additionally, if there is any difference between this information and yourcoverage documents (Summary Plan Description, Schedule of Benefits, and any attached Riders and/or Amendments) your coverage documents govern. TheUnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark ofGoogle LLC. The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registeredtrademark of Google LLC.The material provided through the Employee Assistance Program (EAP) is for informational purposes only. EAP staff cannot diagnose problems or suggesttreatment. EAP is not a substitute for your doctor’s care. Employees are encouraged to discuss with their doctor how the information provided may be right forthem. Your health information is kept confidential in accordance with the law. EAP is not an insurance program and may be discontinued at any time. Due to thepotential for a conflict of interest, legal consultation will not be provided on issues that may involve legal action against UnitedHealthcare or its affiliates, or anyentity through which the caller is receiving these services directly or indirectly (e.g., employer or health plan). This program and its components may not beavailable in all states or for all group sizes and is subject to change. Coverage exclusions and limitations may apply.The Quit For Life® Program provides information regarding tobacco cessation methods and related well-being support. Any health information provided by you iskept confidential in accordance with the law. The Quit For Life Program does not provide clinical treatment or medical services and should not be considered asubstitute for your doctor’s care. Please discuss with your doctor how the information provided is right for you. Participation in this program is voluntary. If you havespecific health care needs or questions, consult an appropriate health care professional. This service should not be used for emergency or urgent care needs. Inan emergency, call 911 or go to the nearest emergency room.

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Real Appeal is a voluntary weight management program that is offered to eligible members at no additional cost as part of their benefit plan. The informationprovided under this program is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice.Participants should consult an appropriate health care professional to determine what may be right for them. Results, if any, may vary. Any items/tools that areprovided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they may have from receiving items/toolsunder the program.The AbleTo mobile application should not be used for urgent care needs. If you are experiencing a crisis or need emergency care, call 911 or go to the nearestemergency room. The Self Care information contained in the AbleTo mobile application is for educational purposes only; it is not intended to diagnose problemsor provide treatment and should not be used on its own as a substitute for care from a provider. AbleTo Self Care is available to members ages 13+ at noadditional cost as part of your benefit plan. Self Care is not available for all groups in District of Columbia, Maryland, New York, Pennsylvania, Virginia or WestVirginia and is subject to change. Refer to your plan documents for specific benefit coverage and limitations or call the toll-free member phone number on yourhealth plan ID card. Participation in the program is voluntary and subject to the terms of use contained in the mobile application.UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended tobe nor should be construed as medical advice.You should consult an appropriate health care professional before beginning any exercise program and/or todetermine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have taximplications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If anyfraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet astandard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You maycall us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way foryou to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Subject to HSA eligibility, as applicable.24/7 Virtual Visits is a service available with a Designated Virtual Network Provider via video, or audio-only where permitted under state law. Unless otherwiserequired, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to addressemergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, orfor all members. Check your benefit plan to determine if these services are available.

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This Benefit Summary is to highlight your Benefits. Don’t use this document to understand your exact coverage. If this Benefit Summary conflictswith the Certificate of Coverage (COC), Schedule of Benefits, Riders, and/or Amendments, those documents govern. Review your COC for an exactdescription of the services and supplies that are and are not covered, those which are excluded or limited, and other terms and conditions ofcoverage.UnitedHealthcare | Wisconsin | Choice Plus | CICR | C24Choice Plus plan details, all in one place.Use this benefit summary to learn more about this plan’s benefits, ways you can get help managing costs and how you may get more out of this health plan.Check out what’s included in the plan Choice PlusNetwork coverage onlyYou can usually save money when you receive care for covered health care services fromnetwork providers.Network and out-of-network benefitsYou may receive care and services from network and out-of-network providers andfacilities — but staying in the network can help lower your costs.Primary care physician (PCP) requiredWith this plan, you need to select a PCP — the doctor who plays a key role in helpingmanage your care. Each enrolled person on your plan will need to choose a PCP.Referrals requiredYou’ll need referrals from your PCP before seeing a specialist or getting certain healthcare services.Preventive care covered at 100%There is no additional cost to you for seeing a network provider for preventive care.Pharmacy benefitsWith this plan, you have coverage that helps pay for prescription drugs and medications.Tier 1 providersUsing Tier 1 providers may bring you the greatest value from your health care benefits.These PCPs and medical specialists meet national standard benchmarks for quality careand cost savings.Freestanding centersYou may pay less when you use certain freestanding centers — health care facilities thatdo not bill for services as part of a hospital, such as MRI or surgery centers.Health savings account (HSA)With an HSA, you’ve got a personal bank account that lets you put money aside, tax-free.Use it to save and pay for qualified medical expenses. 1

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Here's a more in-depth look at how Choice Plus works.Medical BenefitsIn Network Out-of-NetworkAnnual Medical DeductibleIndividual $3,000 $6,000Family $6,000 $12,000All individual deductible amounts will count toward the family deductible, but an individual will not have to pay more than the individual deductible amount.*After the Annual Medical Deductible has been met.You're responsible for paying 100% of your medical expenses until you reach your deductible. For certain covered services, you may be required to pay a fixed dollar amount - your copay.Annual Out-of-Pocket LimitIndividual $5,000 $10,000Family $10,000 $20,000All individual out-of-pocket maximum amounts will count toward the family out-of-pocket maximum, but an individual will not have to pay more than the individual out-of-pocket maximum amount.Once you’ve met your deductible, you start sharing costs with your plan - coinsurance. You continue paying a portion of the expense until you reach your out-of-pocket limit. From there, your plan pays 100% of allowed amounts for the rest of the plan year.What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkPreventive Care ServicesPreventive Care Services No copay 20%*Certain preventive care services are provided as specified by the Patient Protection and Affordable Care Act (ACA), with no cost-sharing to you. These services are based on your age, gender and other health factors. UnitedHealthcare also covers other routine services that may require a copay, co-insurance or deductible.Includes services such as Routine Wellness Checkups, Immunizations, Breast Pumps, Mammography and Colorectal Cancer Screenings.Office Services - Sickness & InjuryPrimary Care PhysicianAll other covered persons $30 copay 20%*Covered persons less than age 19 No copay 20%*Additional copays, deductible, or co-insurance may apply when you receive other services at your physician’s office. For example, surgery and lab work.Telehealth is covered at the same cost share as in the office.*After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 2

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkSpecialist $60 copay 20%*Additional copays, deductible, or co-insurance may apply when you receive other services at your physician’s office. For example, surgery and lab work.Telehealth is covered at the same cost share as in the office.Urgent Care Center Services $100 copay 20%*Virtual Care Services No copay 20%*Network Benefits are available only when services are delivered through a Designated Virtual Network Provider. You can find a Designated Virtual Visit Network Provider by contacting us at myuhc.com® or the telephone number on your ID card. Access to Virtual Visits and prescription services may not be available in all states or for all groups.Emergency CareAmbulance Services - Emergency AmbulanceAir Ambulance No copay* No copay*Ground Ambulance No copay* No copay*Ambulance Services - Non-Emergency Ambulance¹Air Ambulance No copay* No copay*Ground Ambulance No copay* 20%*Dental Services - Accident Only No copay* No copay*Emergency Health Care Services - Outpatient¹ You pay a $350 per occurrence deductible per visit.You pay a $350 per occurrence deductible per visit.Inpatient CareCongenital Heart Disease (CHD) Surgeries¹ No copay* 20%*Habilitative Services - Inpatient¹ The amount you pay is based on where the covered health care service is provided.Limit will be the same as, and combined with, those stated under Skilled Nursing Facility/Inpatient Rehabilitation Services.Hospital - Inpatient Stay¹ No copay* 20%*Skilled Nursing Facility/Inpatient Rehabilitation Facility Services¹No copay* 20%*Limited to 30 days per Inpatient Stay in a Skilled Nursing Facility.Limited to 60 days per year in an Inpatient Rehabilitation Facility.*After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 3

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkOutpatient CareHabilitative Services - OutpatientManipulative Treatment $30 copay 20%*Other habilitative services $30 copay 20%*Limits will be the same as, and combined with those stated under Rehabilitation Services - Outpatient Therapy and Manipulative Treatment.Home Health Care¹ No copay* 20%*Limited to 60 visits per year.One visit equals up to four hours of skilled care services. This visit limit does not include any service which is billed only for the administration of intravenous infusion.Lab, X-Ray and Diagnostic - Outpatient - Lab Testing¹ No copay* 50%* 20%*Limited to 18 Definitive Drug Tests per year.Limited to 18 Presumptive Drug Tests per year.For Designated Network Benefits, laboratory services must be received from a Designated Diagnostic Provider. Network Benefits include laboratory services received from a Network provider that is not a Designated Diagnostic Provider.Lab, X-Ray and Diagnostic - Outpatient - X-Ray and other Diagnostic Testing¹No copay* 20%*Major Diagnostic and Imaging - Outpatient¹ No copay* You pay a $500 per occurrence deductible per service prior to and in addition to paying any Annual Deductible and any coinsurance amount. 50%*You pay a $500 per occurrence deductible per service prior to and in addition to paying any Annual Deductible and any coinsurance amount. 20%*For Designated Network Benefits, services must be received from a Designated Diagnostic Provider. Network Benefits include services received from a Network provider that is not a Designated Diagnostic Provider.You may have to pay an extra copay, deductible or coinsurance for physician fees or pharmaceutical products.Physician Fees for Surgical and Medical Services No copay* 20%**After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 4

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkRehabilitation Services - Outpatient Therapy and Manipulative TreatmentManipulative Treatment $30 copay 20%*Other rehabilitation services $30 copay 20%*Limited to 20 visits of cognitive rehabilitation therapy per year.Limited to 20 visits of occupational therapy per year.Limited to 20 visits of physical therapy per year.Limited to 20 visits of pulmonary rehabilitation therapy per year.Limited to 20 visits of speech therapy per year.Limited to 30 visits of post-cochlear implant aural therapy per year.Limited to 36 visits of cardiac rehabilitation therapy per year.Scopic Procedures - Outpatient Diagnostic and Therapeutic No copay* 20%*Diagnostic/therapeutic scopic procedures include, but are not limited to colonoscopy, sigmoidoscopy and endoscopy.Surgery - Outpatient¹ No copay* 20%*Therapeutic Treatments - Outpatient¹ No copay* 20%*Therapeutic treatments include, but are not limited to dialysis, intravenous chemotherapy, intravenous infusion, medical education services and radiation oncology.Supplies and ServicesDiabetes Self-Management Items¹ The amount you pay is based on where the covered health care service is provided under Durable Medical Equipment (DME), Orthotics and Supplies or in the Prescription Drug Benefits Section.Diabetes Self-Management and Training/Diabetic Eye Exams/Foot Care¹The amount you pay is based on where the covered health care service is provided.Durable Medical Equipment (DME), Orthotics and Supplies¹ No copay* 20%*Limited to 1 insulin pump per year.Limited to a single purchase of a type of DME or orthotic every 3 years.Repair and/or replacement of DME or orthotics would apply to this limit in the same manner as a purchase. This limit does not apply to wound vacuums.Enteral Nutrition No copay* 20%*Hearing Aids No copay* 20%*Limited to a single purchase per hearing impaired ear every 3 years.Repair and/or replacement of a hearing aid would apply to this limit in the same manner as a purchase.*After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 5

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkOstomy Supplies No copay* 20%*Pharmaceutical Products - Outpatient No copay* 20%*This includes medications given at a doctor's office, or in a covered person's home.Prosthetic Devices¹ No copay* 20%*Limited to a single purchase of each type of prosthetic device every 3 years.Repair and/or replacement of a prosthetic device would apply to this limit in the same manner as a purchase.Urinary Catheters No copay* 20%*PregnancyPregnancy - Maternity Services¹ The amount you pay is based on where the covered health care service is provided except that an Annual Deductible will not apply for a newborn child whose length of stay in the Hospital is the same as the mother's length of stay.Mental Health Care & Substance Related and Addictive Disorder ServicesInpatient¹ No copay* 20%*Outpatient and Transitional Care $30 copay 20%*Partial Hospitalization and Transitional Care¹ No copay* 20%*Other ServicesAutism Spectrum Disorder Services¹ The amount you pay is based on where the covered health care service is provided.Cellular and Gene Therapy¹ The amount you pay is based on where the covered health care service is provided.For Network Benefits, Cellular or Gene Therapy services must be received from a Designated Provider.Clinical Trials¹ The amount you pay is based on where the covered health care service is provided.Dental/Anesthesia Services – Hospital Ambulatory Surgery Services¹The amount you pay is based on where the covered health care service is provided.Fertility Preservation for Iatrogenic Infertility¹ No copay* 20%*Limited to $20,000 per Covered Person per lifetime.Limited to $5,000 for Prescription Drug Products per Covered Person.This Benefit limit will be the same as, and combined with, those stated under Preimplantation Genetic Testing (PGT) and Related Services. Benefits are further limited to one cycle of fertility preservation for Iatrogenic Infertility per Covered Person during the entire period of time he or she is enrolled for coverage under the Policy.Gender Dysphoria¹ The amount you pay is based on where the covered health care service is provided or in the Prescription Drug Benefits Section.Hospice Care¹ No copay* 20%**After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 6

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Pharmacy Benefits* After the Annual Pharmacy Deductible has been met.** Only certain Prescription Drug Products are available through mail order; please visit myuhc.com® or call Customer Care at the telephone number on the back of your ID card for more information. You will be charged aretail Copayment and/or Coinsurance for 31 days or 2 times for 60 days based on the number of days supply dispensed for any Prescription Order or Refills sent to the mail order pharmacy. To maximize your Benefit, askyour Physician to write your Prescription Order or Refill for a 90-day supply, with refills when appropriate, rather than a 30-day supply with three refills.Your Copayment and/or Coinsurance is determined by the tier to which the Prescription Drug List (PDL) Management Committee has assigned the Prescription Drug Product. All Prescription Drug Products on thePrescription Drug List are assigned to Tier 1, Tier 2, Tier 3 or Tier 4.If you are a member, you can find individualized information on your benefit coverage, determine tier status, check the status of claims and search for network pharmacies by logging into your account on myuhc.com® orcalling the Customer Care number on your ID card. If you are not a member, you can view prescription information at welcometouhc.com > Benefits > Pharmacy Benefits.For an out-of-network Pharmacy, you may have to pay the difference between the out-of-network reimbursement rate and the pharmacy's usual and customary charge.Pharmacy Plan DetailsPharmacy Network NationalPrescription Drug List EssentialIn NetworkAnnual Pharmacy DeductibleIndividual You do not have to pay a pharmacy deductibleFamily You do not have to pay a pharmacy deductibleUp to a 31-day supply Up to a 90-day supplyPrescription Drug Product Tier LevelRetail and Specialty Pharmacy NetworkOut-of-Network PharmacyMail Order Network Pharmacy**Tier 1 $$10 $10 $25Tier 2 $$$40 $40 $100Tier 3 $$$$85 $85 $212.50Tier 4 $$$$$250 $250 $625 8

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Other important information about your benefits.Medical Exclusions• Acupuncture• Bariatric Surgery • Cosmetic Surgery• Dental Care (Adult/Child)• Glasses• Infertility Treatment• Long-Term Care• Non-emergency care when traveling outside the U.S.• Private-Duty Nursing• Routine Eye Care (Adult/Child)• Routine Foot Care• Weight Loss ProgramsOutpatient Prescription Drug BenefitsFor Prescription Drug Products dispensed at a retail Network Pharmacy, you are responsible for paying the lowest of the following: 1) Theapplicable Copayment and/or Coinsurance; 2) The Network Pharmacy’s Usual and Customary Charge for the Prescription Drug Product; and 3)The Prescription Drug Charge for that Prescription Drug Product. For Prescription Drug Products from a mail order Network Pharmacy, you areresponsible for paying the lower of the following: 1) The applicable Copayment and/or Coinsurance; and 2) The Prescription Drug Charge for thatPrescription Drug Product.See the Copayment and/or Coinsurance stated in the Benefit Information table for amounts. We will not reimburse you for any non-covered drugproduct.For a single Copayment and/or Coinsurance, you may receive a Prescription Drug Product up to the stated supply limit. Some products are subjectto additional supply limits based on criteria that we have developed. Supply limits are subject, from time to time, to our review and change.Specialty Prescription Drug Products supply limits are as written by the provider, up to a consecutive 31-day supply of the Specialty PrescriptionDrug Product, unless adjusted based on the drug manufacturer’s packaging size, or based on supply limits, or as allowed under the Smart FillProgram. Supply limits apply to Specialty Prescription Drug Products obtained at a Preferred Specialty Network Pharmacy, a Non-PreferredSpecialty Network Pharmacy, an out-of-Network Pharmacy, a mail order Network Pharmacy or a Designated Pharmacy.Certain Prescription Drug Products for which Benefits are described under the Prescription Drug Rider are subject to step therapy requirements. Inorder to receive Benefits for such Prescription Drug Products you must use a different Prescription Drug Product(s) first. You may find out whether aPrescription Drug Product is subject to step therapy requirements by contacting us at myuhc.com or the telephone number on your ID card.Before certain Prescription Drug Products are dispensed to you, your Physician, your pharmacist or you are required to obtain prior authorizationfrom us or our designee to determine whether the Prescription Drug Product is in accordance with our approved guidelines and it meets thedefinition of a Covered Health Care Service and is not an Experimental or Investigational or Unproven Service. We may also require you to obtainprior authorization from us or our designee so we can determine whether the Prescription Drug Product, in accordance with our approvedguidelines, was prescribed by a Specialist.Certain Preventative Care Medications may be covered at zero cost share. You can get more information by contacting us at myuhc.com or thetelephone number on your ID card.Benefits are provided for certain Prescription Drug Products dispensed by a mail order Network Pharmacy or Preferred 90 Day Retail NetworkPharmacy. The Outpatient Prescription Drug Schedule of Benefits will tell you how mail order Network Pharmacy and Preferred 90 Day RetailNetwork Pharmacy supply limits apply. Please contact us at myuhc.com or the telephone number on your ID card to find out if Benefits areprovided for your Prescription Drug Product and for information on how to obtain your Prescription Drug Product through a mail order NetworkPharmacy or Preferred 90 Day Retail Network Pharmacy. 10

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Other important information about your benefits.Pharmacy ExclusionsThe following exclusions apply. In addition see your Pharmacy Rider and SBN for additional exclusions and limitations that may apply.• A Pharmaceutical Product for which Benefits are provided in your Certificate.• A Prescription Drug Product with either: an approved biosimilar, a biosimilar and Therapeutically Equivalent to another covered Prescription DrugProduct.• Any Prescription Drug Product to the extent payment or benefits are provided or available from the local, state or federal government (forexample, Medicare).• Any product dispensed for the purpose of appetite suppression or weight loss.• Any product for which the primary use is a source of nutrition, nutritional supplements, or dietary management of disease, and prescriptionmedical food products even when used for the treatment of Sickness or Injury, except as required by state mandate.• Certain New Prescription Drug Products and/or new dosage forms until the date they are reviewed and placed on a tier by our PDL ManagementCommittee.• Certain Prescription Drug Products for tobacco cessation.• Certain Prescription Drug Products for which there are Therapeutically Equivalent alternatives available.• Certain Prescription Drug Products that are FDA approved as a package with a device or application, including smart package sensors and/orembedded drug sensors.• Certain compounded drugs.• Diagnostic kits and products, including associated services.• Drugs available over-the-counter.• Drugs which are prescribed, dispensed or intended for use during an Inpatient Stay.• Durable Medical Equipment, including certain insulin pumps and related supplies for the management and treatment of diabetes, for whichBenefits are provided in your Certificate. Prescribed and non-prescribed outpatient supplies. This does not apply to diabetic supplies and inhalerspacers specifically stated as covered.• Experimental or Investigational or Unproven Services and medications. This exclusion does not apply to Prescription Drug Products that areprescribed by a Physician for the treatment of HIV infection, illness or medical condition arising from or related to HIV infection, if the medication isapproved by the FDA and prescribed and administered in accordance with the treatment protocol approved for an investigational new drug.• General vitamins, except Prenatal vitamins, vitamins with fluoride, and single entity vitamins when accompanied by a Prescription Order or Refill.• Growth hormone for children with familial short stature (short stature based upon heredity and not caused by a diagnosed medical condition).• Medications used for cosmetic or convenience purposes.• Prescription Drug Products dispensed outside the United States, except as required for Emergency treatment.• Prescription Drug Products when prescribed to treat infertility. This exclusion does not apply to Prescription Drug Products prescribed to treatIatrogenic Infertility and Preimplantation Genetic Testing (PGT) as described in the Certificate.• Prescription Drug Products, including New Prescription Drug Products or new dosage forms, that we determine do not meet the definition of aCovered Health Care Service.• Publicly available software applications and/or monitors that may be available with or without a Prescription Order or Refill. 11

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UnitedHealthcare does not treat members diﬀerently because of sex, age, race, color, disability or national origin. If you think you weren’t treated fairly because of your sex, age, race, color, disability or national origin, you can send a complaint to the Civil Rights Coordinator:Online: UHC_Civil_Rights@uhc.comMail: Civil Rights Coordinator UnitedHealthcare Civil Rights Grievance P.O. Box 30608, Salt Lake City, UT 84130You must send the complaint within 60 days of when you found out about it. A decision will be sent to you within 30 days. If you disagree with the decision, you have 15 days to ask us to look at it again. If you need help with your complaint, please call the toll-free phone number listed on your ID card, TTY 711, Monday through Friday, 8 a.m. to 8 p.m. You can also ﬁle a complaint with the U.S. Dept. of Health and Human Services. Online: https://ocrportal.hhs.gov/ocr/portal/lobby.jsfComplaint forms are available at: http://www.hhs.gov/ocr/oﬃce/ﬁle/index.html.Phone: Toll-free 1-800-368-1019, 1-800-537-7697 (TDD)Mail: U.S. Dept. of Health and Human Services, 200 Independence Avenue, SW Room 509F, HHH Building Washington, D.C. 20201 We provide free services to help you communicate with us such as letters in others languages or large print. You can also ask for an interpreter. To ask for help, please call the toll-free member phone number listed on your health plan ID card.ATTENTION: If you speak English, language assistance services, free of charge, are available to you. Please call the toll-free phone number listed on your identiﬁcation card.ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al número de teléfono gratuito que aparece en su tarjeta de identiﬁcación.請注意：如果您說中文 (Chinese)，我們免費為您提供語言協助服務。請撥打會員卡所列的免付費會員電話號碼。XIN LƯU Ý: Nếu quý vị nói ếng Việt (Vietnamese), quý vị sẽ được cung cấp dịch vụ trợ giúp về ngôn ngữ miễn phí. Vui lòng gọi số điện thoại miễn phí ở mặt sau thẻ hội viên của quý vị.알림: 한국어(Korean)를 사용하시는 경우 언어 지원 서비스를무료로 이용하실 수 있습니다. 귀하의 신분증 카드에 기재된 무료 회원 전화번호로 문의하십시오.PAALALA: Kung nagsasalita ka ng Tagalog (Tagalog), may makukuha kang mga libreng serbisyo ng tulong sa wika. Pakitawagan ang toll-free na numero ng telepono na nasa iyong identiﬁcation card.(Russian). (Arabic)ATANSYON: Si w pale Kreyòl ayisyen (Haitian Creole), ou kapab beneﬁsye sèvis ki gratis pou ede w nan lang pa w. Tanpri rele nimewo gratis ki sou kat idantiﬁkasyon w.ATTENTION : Si vous parlez français (French), des services d’aide linguistique vous sont proposés gratuitement. Veuillez appeler le numéro de téléphone gratuit ﬁgurant sur votre carte d’identiﬁcation.UWAGA: Jeżeli mówisz po polsku (Polish), udostępniliśmy darmowe usługi tłumacza. Prosimy zadzwonić pod bezpłatny numer telefonu podany na karcie identyﬁkacyjnej.ATENÇÃO: Se você fala português (Portuguese), contate o serviço de assistência de idiomas gratuito. Ligue gratuitamente para o número encontrado no seu cartão de identiﬁcação.ATTENZIONE: in caso la lingua parlata sia l’italiano (Italian), sono disponibili servizi di assistenza linguistica gratuiti. Per favore chiamate il numero di telefono verde indicato sulla vostra tessera identiﬁcativa.ACHTUNG: Falls Sie Deutsch (German) sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen zur Verfügung. Bitte rufen Sie die gebührenfreie Rufnummer auf der Rückseite Ihres Mitgliedsausweises an.注意事項：日本語 (Japanese) を話される場合、無料の言語支援サービスをご利用いただけます。健康保険証に記載されているフリーダイヤルにお電話ください。(Farsi)ध्यान दें: यदि आप हिंदी (Hindi) बोलते है, आपको भाषा सहायता सेबाएं, नि:शुल्क उपलब्ध हैं। कृपया अपने पहचान पत्र पर सूचीबद्ध टोल-फ्री फोन नंबर पर कॉल करें।CEEB TOOM: Yog koj hais Lus Hmoob (Hmong), muaj kev pab txhais lus pub dawb rau koj. Thov hu rau tus xov tooj hu deb dawb uas teev muaj nyob rau ntawm koj daim yuaj cim qhia tus kheej.ΠΡΟΣΟΧΗ : Αν μιλάτε Ελληνικά (Greek), υπάρχει δωρεάν βοήθεια στη γλώσσα σας. Παρακαλείστε να καλέσετε το δωρεάν αριθμό που θα βρείτε στην κάρτα ταυτότητας μέλους.PAKDAAR: Nu saritaem ti Ilocano (Ilocano), ti serbisyo para ti baddang ti lengguahe nga awanan bayadna, ket sidadaan para kenyam. Maidawat nga awagan iti toll-free a numero ti telepono nga nakalista ayan iti identiﬁcation card mo.(Navajo) OGOW: Haddii aad ku hadasho Soomaali (Somali), adeegyada taageerada luqadda, oo bilaash ah, ayaad heli kartaa. Fadlan wac lambarka telefonka khadka bilaashka ee ku yaalla kaarkaaga aqoonsiga.ગુજરાતી (Gujarati): ધ્યાન આપો: જો તમે ગુજરાતી બોલતા હો તો આપને ભાષાકીય મદદરૂપ સેવા વવના મૂલ્યે પ્રાપ્ય છે. મહેરબાની કરી તમારા આઈડી કાડડની સૂચિ પર આપેલા સભ્ય માટેના ટોલ-ફ્રી નંબર ઉપર કોલ કરો. Facebook.com/UnitedHealthcare Instagram.com/UnitedHealthcare YouTube.com/UnitedHealthcareAdministrative services provided by United HealthCare Services, Inc. and their affiliates.Twitter.com/UHC B2C 9183517.0 11/19 ©2020 United HealthCare Services, Inc. 19-12550

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When you need care, Care Cash may help What is Care Cash? It’s a preloaded debit card that helps guide you to eligible network care (and helps pay for it). Care Cash® comes loaded with $200 for individual or $500 for family plans. * What care can I use it for? UnitedHealth Premium® Care Providers Urgent care 24/7 Virtual Visits From care at convenience clinics (for ﬂu shots and minor injuries) to urgent care (for broken bones and infections). Virtual urgent care for common concerns (from the ﬂu to allergies). Primary care (routine care from physical to behavioral health) and Specialty care (for speciﬁc concerns from cardiology to orthopedics). * Learn more uhc.com/carecash *Must be a UnitedHealthcare Network provider to be eligible for Care Cash. Care Cash provides a pre-loaded debit card which can be used for certain health care expenses. If the card is used for ineligible 213(d) expenses, individuals may incur tax obligations and should consult an appropriate tax professional to determine if they have such obligations. The information provided in connection with Care Cash is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional to determine what may be right for them. 24/7 Virtual Visits is a service available with a provider via video, or audio-only where permitted under state law. It is not an insurance product or a health plan. Unless otherwise required, beneﬁts are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your beneﬁt plan to determine if these services are available. The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at myuhc.com®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. You should also discuss designations with a physician before choosing him or her. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com for detailed program information and methodologies. Certain preventive care items and services, including immunizations, are provided as speciﬁed by applicable law, including the Patient Protection and Aﬀordable Care Act (ACA), with no cost-sharing to you. These services may be based on your age and other health factors. Other routine services may be covered under your plan, and some plans may require copayments, coinsurance or deductibles for these beneﬁts. Always review your beneﬁt plan documents to determine your speciﬁc coverage details. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its aﬃliates. Administrative services provided by United HealthCare Services, Inc. or their aﬃliates. B2C EI20211108.1 4/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 22-1423102-M

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This Benefit Summary is to highlight your Benefits. Don’t use this document to understand your exact coverage. If this Benefit Summary conflictswith the Certificate of Coverage (COC), Schedule of Benefits, Riders, and/or Amendments, those documents govern. Review your COC for an exactdescription of the services and supplies that are and are not covered, those which are excluded or limited, and other terms and conditions ofcoverage.UnitedHealthcare | Wisconsin | Choice Plus | DEY9 | 0IChoice Plus plan details, all in one place.Use this benefit summary to learn more about this plan’s benefits, ways you can get help managing costs and how you may get more out of this health plan.Check out what’s included in the plan Choice PlusNetwork coverage onlyYou can usually save money when you receive care for covered health care services fromnetwork providers.Network and out-of-network benefitsYou may receive care and services from network and out-of-network providers andfacilities — but staying in the network can help lower your costs.Primary care physician (PCP) requiredWith this plan, you need to select a PCP — the doctor who plays a key role in helpingmanage your care. Each enrolled person on your plan will need to choose a PCP.Referrals requiredYou’ll need referrals from your PCP before seeing a specialist or getting certain healthcare services.Preventive care covered at 100%There is no additional cost to you for seeing a network provider for preventive care.Pharmacy benefitsWith this plan, you have coverage that helps pay for prescription drugs and medications.Tier 1 providersUsing Tier 1 providers may bring you the greatest value from your health care benefits.These PCPs and medical specialists meet national standard benchmarks for quality careand cost savings.Freestanding centersYou may pay less when you use certain freestanding centers — health care facilities thatdo not bill for services as part of a hospital, such as MRI or surgery centers.Health savings account (HSA)With an HSA, you’ve got a personal bank account that lets you put money aside, tax-free.Use it to save and pay for qualified medical expenses. 1

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Here's a more in-depth look at how Choice Plus works.Medical BenefitsIn Network Out-of-NetworkAnnual Medical DeductibleIndividual $3,500 $7,500Family $7,000 $15,000All individual deductible amounts will count toward the family deductible, but an individual will not have to pay more than the individual deductible amount.*After the Annual Medical Deductible has been met.You're responsible for paying 100% of your medical expenses until you reach your deductible. For certain covered services, you may be required to pay a fixed dollar amount - your copay.Annual Out-of-Pocket LimitIndividual $6,650 $12,700Family $13,300 $25,400All individual out-of-pocket maximum amounts will count toward the family out-of-pocket maximum, but an individual will not have to pay more than the individual out-of-pocket maximum amount.Once you’ve met your deductible, you start sharing costs with your plan - coinsurance. You continue paying a portion of the expense until you reach your out-of-pocket limit. From there, your plan pays 100% of allowed amounts for the rest of the plan year.What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkPreventive Care ServicesPreventive Care Services No copay 40%*Certain preventive care services are provided as specified by the Patient Protection and Affordable Care Act (ACA), with no cost-sharing to you. These services are based on your age, gender and other health factors. UnitedHealthcare also covers other routine services that may require a copay, co-insurance or deductible.Includes services such as Routine Wellness Checkups, Immunizations, Breast Pumps, Mammography and Colorectal Cancer Screenings.Office Services - Sickness & InjuryPrimary Care Physician 20%* 40%*Additional copays, deductible, or co-insurance may apply when you receive other services at your physician’s office. For example, surgery and lab work.Telehealth is covered at the same cost share as in the office.Specialist 20%* 40%*Additional copays, deductible, or co-insurance may apply when you receive other services at your physician’s office. For example, surgery and lab work.Telehealth is covered at the same cost share as in the office.Urgent Care Center Services 20%* 40%**After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 2

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkVirtual Care Services No copay 40%*Network Benefits are available only when services are delivered through a Designated Virtual Network Provider. You can find a Designated Virtual Visit Network Provider by contacting us at myuhc.com® or the telephone number on your ID card. Access to Virtual Visits and prescription services may not be available in all states or for all groups.Emergency CareAmbulance Services - Emergency AmbulanceAir Ambulance 20%* 20%*Ground Ambulance 20%* 20%*Ambulance Services - Non-Emergency Ambulance¹Air Ambulance 20%* 20%*Ground Ambulance 20%* 40%*Dental Services - Accident Only 20%* 20%*Emergency Health Care Services - Outpatient¹ 20%* 20%*Inpatient CareCongenital Heart Disease (CHD) Surgeries¹ 20%* 40%*Habilitative Services - Inpatient¹ The amount you pay is based on where the covered health care service is provided.Limit will be the same as, and combined with, those stated under Skilled Nursing Facility/Inpatient Rehabilitation Services.Hospital - Inpatient Stay¹ 20%* 40%*Skilled Nursing Facility/Inpatient Rehabilitation Facility Services¹20%* 40%*Limited to 30 days per Inpatient Stay in a Skilled Nursing Facility.Limited to 60 days per year in an Inpatient Rehabilitation Facility.Outpatient CareHabilitative Services - OutpatientManipulative Treatment 20%* 40%*Other habilitative services 20%* 40%*Limits will be the same as, and combined with those stated under Rehabilitation Services - Outpatient Therapy and Manipulative Treatment.*After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 3

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkHome Health Care¹ 20%* 40%*Limited to 60 visits per year.One visit equals up to four hours of skilled care services. This visit limit does not include any service which is billed only for the administration of intravenous infusion.Lab, X-Ray and Diagnostic - Outpatient - Lab Testing¹ 20%* 50%* 40%*Limited to 18 Definitive Drug Tests per year.Limited to 18 Presumptive Drug Tests per year.For Designated Network Benefits, laboratory services must be received from a Designated Diagnostic Provider. Network Benefits include laboratory services received from a Network provider that is not a Designated Diagnostic Provider.Lab, X-Ray and Diagnostic - Outpatient - X-Ray and other Diagnostic Testing¹20%* 40%*Major Diagnostic and Imaging - Outpatient¹ 20%* You pay a $500 per occurrence deductible per service prior to and in addition to paying any Annual Deductible and any coinsurance amount. 50%*You pay a $500 per occurrence deductible per service prior to and in addition to paying any Annual Deductible and any coinsurance amount. 40%*For Designated Network Benefits, services must be received from a Designated Diagnostic Provider. Network Benefits include services received from a Network provider that is not a Designated Diagnostic Provider.You may have to pay an extra copay, deductible or coinsurance for physician fees or pharmaceutical products.Physician Fees for Surgical and Medical Services 20%* 40%*Rehabilitation Services - Outpatient Therapy and Manipulative TreatmentManipulative Treatment 20%* 40%*Other rehabilitation services 20%* 40%*Limited to 20 visits of cognitive rehabilitation therapy per year.Limited to 20 visits of occupational therapy per year.Limited to 20 visits of physical therapy per year.Limited to 20 visits of pulmonary rehabilitation therapy per year.Limited to 20 visits of speech therapy per year.Limited to 30 visits of post-cochlear implant aural therapy per year.Limited to 36 visits of cardiac rehabilitation therapy per year.Scopic Procedures - Outpatient Diagnostic and Therapeutic 20%* 40%*Diagnostic/therapeutic scopic procedures include, but are not limited to colonoscopy, sigmoidoscopy and endoscopy.*After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 4

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkSurgery - Outpatient¹ 20%* 40%*Therapeutic Treatments - Outpatient¹ 20%* 40%*Therapeutic treatments include, but are not limited to dialysis, intravenous chemotherapy, intravenous infusion, medical education services and radiation oncology.Supplies and ServicesDiabetes Self-Management Items¹ The amount you pay is based on where the covered health care service is provided under Durable Medical Equipment (DME), Orthotics and Supplies or in the Prescription Drug Benefits Section.Diabetes Self-Management and Training/Diabetic Eye Exams/Foot Care¹The amount you pay is based on where the covered health care service is provided.Durable Medical Equipment (DME), Orthotics and Supplies¹ 20%* 40%*Limited to 1 insulin pump per year.Limited to a single purchase of a type of DME or orthotic every 3 years.Repair and/or replacement of DME or orthotics would apply to this limit in the same manner as a purchase. This limit does not apply to wound vacuums.Enteral Nutrition 20%* 40%*Hearing Aids 20%* 40%*Limited to a single purchase per hearing impaired ear every 3 years.Repair and/or replacement of a hearing aid would apply to this limit in the same manner as a purchase.Ostomy Supplies 20%* 40%*Pharmaceutical Products - Outpatient 20%* 40%*This includes medications given at a doctor's office, or in a covered person's home.Prosthetic Devices¹ 20%* 40%*Limited to a single purchase of each type of prosthetic device every 3 years.Repair and/or replacement of a prosthetic device would apply to this limit in the same manner as a purchase.Urinary Catheters 20%* 40%*PregnancyPregnancy - Maternity Services¹ The amount you pay is based on where the covered health care service is provided except that an Annual Deductible will not apply for a newborn child whose length of stay in the Hospital is the same as the mother's length of stay.Mental Health Care & Substance Related and Addictive Disorder ServicesInpatient¹ 20%* 40%**After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 5

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What You Pay for ServicesCopays ($) and Coinsurance (%) for Covered Health Care ServicesDesignated Network NetworkOut-of-NetworkOutpatient and Transitional Care 20%* 40%*Partial Hospitalization and Transitional Care¹ 20%* 40%*Other ServicesAutism Spectrum Disorder Services¹ The amount you pay is based on where the covered health care service is provided.Cellular and Gene Therapy¹ The amount you pay is based on where the covered health care service is provided.For Network Benefits, Cellular or Gene Therapy services must be received from a Designated Provider.Clinical Trials¹ The amount you pay is based on where the covered health care service is provided.Dental/Anesthesia Services – Hospital Ambulatory Surgery Services¹The amount you pay is based on where the covered health care service is provided.Fertility Preservation for Iatrogenic Infertility¹ 20%* 40%*Limited to $20,000 per Covered Person per lifetime.Limited to $5,000 for Prescription Drug Products per Covered Person.This Benefit limit will be the same as, and combined with, those stated under Preimplantation Genetic Testing (PGT) and Related Services. Benefits are further limited to one cycle of fertility preservation for Iatrogenic Infertility per Covered Person during the entire period of time he or she is enrolled for coverage under the Policy.Gender Dysphoria¹ The amount you pay is based on where the covered health care service is provided or in the Prescription Drug Benefits Section.Hospice Care¹ 20%* 40%*Kidney Disease Treatment¹ The amount you pay is based on where the covered health care service is provided.Preimplantation Genetic Testing (PGT) and Related Services¹ 20%* 40%*Benefit limits for related services will be the same as, and combined with, those stated under Fertility Preservation for Iatrogenic Infertility. This limit does not include Preimplantation Genetic Testing (PGT) for the specific genetic disorder. This limit includes Benefits for ovarian stimulation medications provided under the Outpatient Prescription Drug Rider.Reconstructive Procedures¹ The amount you pay is based on where the covered health care service is provided.Temporomandibular Joint (TMJ) Disorder Services¹ The amount you pay is based on where the covered health care service is provided.Transplantation Services The amount you pay is based on where the covered health care service is provided.Not coveredNetwork Benefits must be received from a Designated Provider.*After the Annual Medical Deductible has been met.¹Prior Authorization Required. Refer to COC/SBN. 6

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Pharmacy Benefits* After the Annual Pharmacy Deductible has been met.** Only certain Prescription Drug Products are available through mail order; please visit myuhc.com® or call Customer Care at the telephone number on the back of your ID card for more information. You will be charged aretail Copayment and/or Coinsurance for 31 days or 2 times for 60 days based on the number of days supply dispensed for any Prescription Order or Refills sent to the mail order pharmacy. To maximize your Benefit, askyour Physician to write your Prescription Order or Refill for a 90-day supply, with refills when appropriate, rather than a 30-day supply with three refills.Your Copayment and/or Coinsurance is determined by the tier to which the Prescription Drug List (PDL) Management Committee has assigned the Prescription Drug Product. All Prescription Drug Products on thePrescription Drug List are assigned to Tier 1, Tier 2 or Tier 3.If you are a member, you can find individualized information on your benefit coverage, determine tier status, check the status of claims and search for network pharmacies by logging into your account on myuhc.com® orcalling the Customer Care number on your ID card. If you are not a member, you can view prescription information at welcometouhc.com > Benefits > Pharmacy Benefits.For an out-of-network Pharmacy, you may have to pay the difference between the out-of-network reimbursement rate and the pharmacy's usual and customary charge.Pharmacy Plan DetailsPharmacy Network NationalPrescription Drug List AdvantageIn NetworkAnnual Pharmacy DeductibleIndividual See the Annual Medical Deductible sectionFamily See the Annual Medical Deductible sectionAnnual Deductible - Network and Out-of-NetworkThe Pharmacy Deductible is the amount you pay for pharmacy expenses per year before you begin to receive Pharmacy Benefits.Up to a 31-day supply Up to a 90-day supplyPrescription Drug Product Tier LevelRetail and Specialty Pharmacy NetworkOut-of-Network PharmacyMail Order Network Pharmacy**Tier 1 $$10* $10* $25*Tier 2 $$$35* $35* $87.50*Tier 3 $$$$70* $70* $175* 7

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24/7 Virtual Visits is a service available with a provider via video, or audio-only where permitted under state law. It is not an insurance product or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.Available only for insured plans and self-funded plans with Optum Rx integrated pharmacy benefits.All UnitedHealthcare members can access a cost estimate online or on the mobile app. None of the cost estimates are intended to be a guarantee of your costs or benefits. Your actual costs may vary. When accessing a cost estimate, please refer to the Website or Mobile application terms of use under the Find Care & Costs section.The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC.Health plan coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by All Savers Insurance Company (except CA, MA, MN, NJ and NY), UnitedHealthcare Insurance Company in MA and MN, UnitedHealthcare Life Insurance Company in NJ, UnitedHealthcare Insurance Company of New York in NY, and All Savers Life Insurance Company of California in CA.B2C EI20236611.2 8/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 22-1654250-AGet started at myuhc.comHow to register1Go to myuhc.com or download the UnitedHealthcare app and click Register Now 2Complete the required fields and create your username/password 3Enter your contact information and security questions 4Agree to the terms and conditions and select your email preferences5Go paperless — from your account settings, choose paperless in your communication preferencesGo paperless• Less paper, less clutter• Get your required communications online

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Visit with a doctor 24/7 — whenever, wherever With 24/7 Virtual Visits, you can connect to a doctor by phone or video1 through myuhc.com® or the UnitedHealthcare® app. A convenient and faster way to get care Doctors can treat a wide range of health conditions — including many of the same conditions as an emergency room (ER) or urgent care — and may even prescribe medications,2 if needed. With a UnitedHealthcare plan, your cost for a 24/7 Virtual Visit is usually $0.3 Consider 24/7 Virtual Visits for these common conditions: • Allergies • Flu • Sore throats • Bronchitis • Headaches/migraines • Stomachaches • Eye infections • Rashes • and more $0 cost An estimated 25% of ER visits could be treated with a 24/7 Virtual Visit — bringing a potential $2,0004 cost down to $0. Get started Sign in at myuhc.com/virtualvisits | Call 1-855-615-8335 Download the UnitedHealthcare app 1 Data rates may apply. 2 Certain prescriptions may not be available, and other restrictions may apply. 3 The Designated Virtual Visit Provider’s reduced rate for a 24/7 Virtual Visit is subject to change at any time. 4 Average allowed amounts charged by UnitedHealthcare Network Providers are not tied to a specific condition or treatment. Actual payments may vary depending upon benefit coverage. Estimated Urgent Care savings are based on the difference between average Urgent Care visit cost of $180 and Virtual Visit cost of $0; $2,000.00 difference between the average Emergency Room visit and the average urgent care visit. The information and estimates provided are for general informational and illustrative purposes only and is not intended to be nor should be construed as medical advice or a substitute for your doctor’s care. You should consult with an appropriate health care professional to determine what may be right for you. In an emergency, call 911 or go to the nearest emergency room. The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC. 24/7 Virtual Visits phone and video chat with a doctor are not an insurance product, health care provider or a health plan. Unless otherwise required, beneﬁts are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your beneﬁt plan to determine if these services are available. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its aﬃliates. Administrative services provided by United HealthCare Services, Inc. or their aﬃliates. Health Plan coverage provided by or through a UnitedHealthcare company. B2C EI211092683.0 10/21 © 2021 United HealthCare Services, Inc. All Rights Reserved. 21-1091322-B

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Say hello to the Designated Diagnostic Provider benefitGet startedFind DDPs at myuhc.com or on the UnitedHealthcare® appThe UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC.All UnitedHealthcare members can access a cost estimate online or on the mobile app. None of the cost estimates are intended to be a guarantee of your costs or benefits. Your actual costs may vary. When accessing a cost estimate, please refer to the Website or Mobile application terms of use under Find Care & Costs section.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. B2C EI21553116.2 7/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 22-1620236DDP outpatient lab and imaging servicesUsing a DDP may help you save money on many services, including: Lab services• Blood draws• Blood glucose tests• Metabolic tests/panels• Rapid strep testsImaging services• CT and PET scans• MRI/MRAs• Nuclear medicine scansJust look for the green checkTo find a lower-cost DDP near you, go to myuhc.com® > Find Care & Costs > Medical Directory > Places.Choose whether you’d like lab or imaging services and then look for the green check to confirm DDP status. For DDP imaging services, just make your appointment. For DDP lab work, just be sure to tell your doctor which DDP to use.Designated Diagnostic Providers (DDP) are laboratory and imaging services providers that meet certain quality and efficiency requirements. With your DDP benefit, you’ll have the highest level of coverage — and likely save money — when you use a DDP for outpatient lab and imaging services. If you don’t use a DDP, your lab and imaging services may not be covered, and you may be responsible for 100% of the cost.

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Frequently asked questions What happens if I do nothing? No action is required. You can continue filling 30-day supplies at your current retail pharmacy. There is no penalty for this option, and you will continue to pay your same plan cost share. However, in doing so, you may miss the opportunity to save money on your medications. Are all medications included? No. This program only applies to certain maintenance medications taken on an ongoing basis. Excluded are medications that are taken for a short period of time (such as antibiotics), select controlled substances or medications included in the specialty pharmacy program. How do I get started with OptumRx home delivery? Go to myuhc.com to get started. You can then choose the medication(s) you want shipped directly to you. Or call the number on your health plan ID card any time. We will help transfer your prescription(s) to OptumRx home delivery. How do I transfer a prescription to CVS Pharmacy? Call or visit any CVS Pharmacy location and show your ID card. You can also request to transfer your medication(s) online by visiting CVS.com/transfer. All you need is the name of the medication(s) along with the name and phone number of the transferring pharmacy. How do I transfer a prescription to Walgreens Pharmacy? Call or visit any of approximately 9,000+ Walgreens pharmacies nationwide and show your health plan ID card. You can also request to transfer your medication online by creating an account at walgreens.com or by using the transfer by scan feature on the Walgreens Mobile App. All you need is the name of the medication along with the name and phone number of the transferring pharmacy. The company does not discriminate on the basis of race, color, national origin, sex, age, or disability in health programs and activities. We provide free services to help you communicate with us. Such as, letters in other languages or large print. Or, you can ask for an interpreter. To ask for help, please call the toll-free phone number listed on your ID card. ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al número de teléfono gratuito que aparece en su tarjeta de identificación.請注意：如果您說中文 (Chinese)，我們免費為您提供語言協助服務。請撥打會員卡所列的免付費會員電話號碼。 1 In most cases, your benefit plan design provides medication cost savings through home delivery, CVS, or Walgreens pharmacy. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by UnitedHealthcare Insurance Company, UnitedHealthcare Services, Inc. or their affiliates. Health Plan coverage provided by or through a UnitedHealthcare company. OptumRx is an affiliate of UnitedHealthcare Insurance Company. UnitedHealthcare and the dimensional U logo are trademarks of UnitedHealth Group Incorporated. All other trademarks are the property of their respective owners. B2C 9/21 © 2021 United HealthCare Services, Inc. All Rights Reserved. WF5427660-C

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For life’s challenges, support is hereAt UnitedHealthcare, we believe that care shouldn’t stop at physical health. That’s why we offer behavioral health resources that can help support your path toward mental and emotional well-being.Behavioral health is healthBehavioral health is about more than just mental health: It includes addiction issues, anger management, coping with grief, dealing with stress and other challenges.It’s an important part of your overall well-being — because how you feel matters, and caring support from behavioral health providers is a part of your plan.Resources for better, brighter daysGet connected to self-care digital tools, behavioral health providers (in-person or virtual) and other helpful resources.Feeling down and want to explore self-care tools and tips?Self Care from AbleToGet access to clinician-created self-care techniques, coping tools, meditations and more — anytime, anywhere. With Self Care, you’ll get personalized content that’s designed to help support your self-guided journey to better mental health. For on-demand support to help with:• Stress, anxiety and depressionDealing with life transitions and could use some support or guidance?Employee Assistance Program (EAP)Your EAP offers up to 3 provider visits for $0 by phone and in-person counseling sessions for short-term support and advice to help with:• Stress, anxiety and depression• Personal challenges, including substance abuse and relationships• Work/life balance, including legal and financial supportHave a concern that needs long-term support from a licensed therapist?Behavioral health providerConnect virtually or in-person with a licensed therapist, counselor, psychologist or psychiatrist for ongoing support to help with:• Bipolar and neuro-development disorders• Compulsive habits and eating disorders• Substance abuse, medication management and moreVisit ableto.com/begin and follow the steps to begin your self-care program; have your health plan ID card handyCall 1-888-887-4114 for 24/7 in-the-moment phone support or to schedule in-person counseling with a masters-level EAP specialistAnswer a few questions and ﬁnd support at myuhc.com/mh-recommendations or call the number on the back of your health plan ID card

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Self Care by AbleTo should not be used for urgent care needs. If you are experiencing a crisis or need emergency care, call 911 or go to the nearest emergency room. The information contained within Self Care is for educational purposes only; it is not intended to diagnose problems or provide treatment and should not be used on its own as a substitute for care from a provider. Self Care is available to members ages 13+ at no additional cost as part of your benefit plan. Self Care may not be available for all groups in District of Columbia, Maryland, New York, Pennsylvania, Virginia or West Virginia and is subject to change. Refer to your plan documents for specific benefit coverage and limitations or call the toll-free member phone number on your health plan ID card. Participation in the program is voluntary and subject to the Self Care terms of use.The material provided through this program is for informational purposes only. EAP staff cannot diagnose problems or suggest treatment. EAP is not a substitute for your doctor’s care. Employees are encouraged to discuss with their doctor how the information provided may be right for them. Your health information is kept confidential in accordance with the law. EAP is not an insurance program and may be discontinued at any time. Due to the potential for a conflict of interest, legal consultation will not be provided on issues that may involve legal action against UnitedHealthcare or its affiliates, or any entity through which the caller is receiving these services directly or indirectly (e.g., employer or health plan). This program and its components may not be available in all states or for all group sizes and is subject to change. Coverage exclusions and limitations may apply.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.B2C EI221442900.1 1/23 © 2023 United HealthCare Services, Inc. All Rights Reserved. 22-1990250

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There are 2 ways to get startedOn the UnitedHealthcare® app• Scan this code to download the app • Sign in or register• Select UHC Rewards• Activate UHC Rewards and start earning• Though not required, connect a tracker and get access to even more reward activities On myuhc.com®• Sign in or register• Select UHC Rewards• Activate UHC Rewards• Choose reward activities that inspire you — and start earningYour healthGet in on an experience that’s designed to help inspire healthier habitsYour goalsPersonalize how you earn by choosing the activities that are right for youYour rewardsEarn up to $300 for completing rewardable activitiesQuestions?Call customer service at 1-866-230-2505UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have tax implications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Components subject to change. This program is not available for fully insured members in Hawaii, Vermont and Puerto Rico nor available to level funded members in District of Columbia, Hawaii, Vermont and Puerto Rico.The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.Administrative services provided by United HealthCare Services, Inc. or their affiliates.Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.B2C EI232659026.0 9/23 © 2023 United HealthCare Services, Inc. All Rights Reserved. 23-2557029-B

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Answers to frequently asked questionsWhat is the maximum amount I can pay off through Earn It Off?The maximum amount you can pay off through Earn It Off is $300. If the Apple Watch you choose is more than this amount, you may need to pay the difference at checkout.How is my monthly payment calculated?Your Earn It Off monthly payment is calculated by dividing your Earn It Off total by 12. Your Earn It Off total is the sum of the Apple Watch, taxes and shipping, minus any current available rewards and any credit card payment you make at checkout.When are my Earn It Off monthly payments due?Your payments are due monthly, starting 1 month after your purchase date. For example, if you purchase an Apple Watch on the first of the month, you’ll be charged on the first of every month for 12 months. If your purchase is made on the 31st of a month, your monthly payment will always be due on the last day of the month.When will my credit card be charged?If your monthly earned rewards do not meet your monthly Earn It Off payment, the difference will be charged to your credit card. For example, if your monthly payment is $10 and you only earn $6 in rewards, your card will be charged $4. Additionally, if you are no longer eligible for UHC Rewards or no longer have a UnitedHealthcare health plan, your credit card will be charged your monthly payment each month until you’ve finished paying off your Apple Watch. You will not be charged the entire balance in 1 payment.How do I earn rewards?You can earn rewards by completing reward activities, such as meeting the program’s daily step or exercise goals, tracking your sleep, completing a health survey and more. You can view all available activities on the UHC Rewards homepage.Get access to even more reward activitiesConnect your Apple Watch to your UHC Rewards account to unlock more ways to earn. Learn more and get your Apple WatchOpen UHC Rewards in the UnitedHealthcare app and select Redeem rewardsApple Watch is a registered trademark of Apple, Inc.UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have tax implications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Components subject to change. This program is not available for fully insured members in Hawaii, Vermont and Puerto Rico nor available to level funded members in District of Columbia, Hawaii, Vermont and Puerto Rico.The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.Administrative services provided by United HealthCare Services, Inc. or their affiliates.B2C EI232227005.1 9/23 © 2023 United HealthCare Services, Inc. All Rights Reserved. 23-2591892-A

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Find your fit with One Pass SelectAt the gymChoose from our large nationwide network of gym brands and local fitness studios. Use any gym in the network and create a routine just for you.$144/MoElite16,000+ gym and premium locations$99/MoPremium14,000+ gym andpremium locations$64/MoStandard12,000+ gym and premiumlocations$29/MoClassic11,000+ gym locationsAn enrollment fee may apply.Or get started with a digital-only plan for $10/Mo.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare ServiceLLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company ofNew York in NY.One Pass Select is a voluntary program featuring a subscription based nationwide gym network. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships may have tax implications. Employers and individuals should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships under this program. One Pass Select is not available in HI, KS, VT and Puerto Rico for fully insured groups.This service should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. The information provided through this service is for informational purposes only. Fitness instructors cannot diagnose problems or recommend specific treatment and are not a substitute for your doctor’s care. Please discuss with your doctor how the information provided may beright for you. Your health information is kept confidential in accordance with the law. The service is not an insurance program and may be discontinued at any time.© 2023 United HealthCare Services, Inc. All Rights Reserved. WF9834438 139774-022023 OHCRediscover your passion for healthWith One Pass Select, we’re on a mission to make fitness engaging for everyone. One Pass Select can help you reach your fitness goals, while finding new passions along the way. Choose a membership tier that fits your lifestyle and provides everything you need for whole body health in one easy, affordable plan. You and your eligible family members (18+) can get started with One Pass Select on January 01, 2024.*Eligible One Pass Select members will not be able to enroll inOne Pass Select until January 01, 2024. More Information onthe enrollment process will be provided at a later date.Enroll in One Pass Select starting on January 1, 2024*One Pass Select is a voluntary program featuring a subscription based nationwide gym network. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships may have tax implications. Employers and individuals should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships under this program. One Pass Select is not available in HI, KS, VT and Puerto Rico for fully insured groups. One Pass Select is a program offered by Optum. Subscription costs are payable to Optum.© 2023 United HealthCare Services, Inc. All Rights Reserved. WF9834438 139774-022023 OHC

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This service should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. The information provided through this program is for informational purposes only as part of your health plan. Wellness coaches, nurses and other program representatives cannot diagnose problems or recommend treatment and are not a substitute for your doctor’s care. Please discuss with your doctor how the information provided may be right for you. Your health information is kept conﬁdential in accordance with the law. The program is not an insurance program and may be discontinued at any time. Administrative services provided by UnitedHealthcare Services, Inc. or their aﬃliates. Insurance coverage provided through UnitedHealthcare Insurance Company or its aﬃliates.© 2022 UnitedHealthcare Services, Inc. All Rights Reserved. WF8084779 221991-082022 OHCGet coach supportConnect with a coach who will help create a personalized Quit Plan and guide you at every stepAccess anytime, anywhereManage triggers with help from coach-led group sessions, trackers, text support, and more, all at your ﬁngertipsView quit recommendationsGet real-life tips and plan your path to quit withrecommended daily goals, articles and videos Stay on track with help from nicotine replacement therapy like gum and patches delivered to your door, if eligible.The path to quitting starts hereIf you use tobacco and have thought about quitting, Quit For Life® on Rally Coach™ may be able to help. Get tools and online resources designed to help you quit — and stay quit — at no additional cost.Get startedGo to myuhc.com® > Health Resources > Quit For Life

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Real Appeal is a voluntary weight loss program that is offered to eligible members at no additional cost as part of their benefit plan. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an appropriate health care professional to determine what may be right for them. Results, if any, may vary. Any items/tools that are provided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they may have from receiving items/tools under the program.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.© 2022 United HealthCare Services, Inc. All Rights Reserved. WF8689358 222420A-102022 OHCGet healthier, at no additional cost to youReal Appeal on Rally Coach™ is a proven weight management program designed to help you get healthier and stay healthier. It’s available to you and eligible family members at no additional cost as part of your benefits.Take small steps toward healthier habitsSet achievable nutrition, exercise and weight management goals that keep you motivated to create lasting change. Track your progress from your daily dashboard, too. Support and community along the wayFeel supported with personalized messages, online group sessions led by coaches and a caring community of members.Healthier habits, healthier lifestyle Take small steps for lasting change with Real Appeal®, an online weight management support program. Join today at enroll.realappeal.com or scan this code Get a Success Kit delivered right to your door.Make the most of tools and resources like weight and food scales, a portion plate and more. Your Success Kit is delivered after you attend your first live group session.

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In the U.S., a disabling injury occurs every second.1 G PUOR V YRATNULO ECNARUSNI YTILIBASID MRET-TROHS B STHGILHGIH TIFENEP EGA 1 FO 8 D .CNI ,TNEMPIUQE D& :ETAD NOITACILBUP_SHB DTS 4 1202/8/ 0 2892210 B TIFENEP EGATNECRE( )SGNINRAE RUOY FO TNECREPM MUMIXAS SSENKCI B TIFENES STRATI TIFENEB YRUJN S STRATB TIFENE D NOITARU6 %76.6 $ 052 O eht n 8th yad O eht n 1st yad 13 skeewC NOITAMROFNI EGAREVO P SMUIMERS .teehskroW muimerP eht ee2 A DEREWSNA & DEKSW ?ELBIGILE SI OHY .sisab deludehcs ylraluger a no keew rep sruoh 03 tsael ta skrow ohw eeyolpme emit lluf evitca na era uoy fi elbigile era uo A ?EGAREVOC DEETNARAUG I MT .htlaeh ruoy tuoba noitamrofni edivorp ot gnivah tuohtiw elbaliava si ti – egarevoc eussi deetnaraug si ecnarusni sih I ,tnartne etal a era uoy f e .tnuoma egarevoc lluf eht rof deriuqer si ytilibarusni fo ecnediv T tﬁeneb siht htiw dedivorp teehs snoisulcxE & snoitatimiL eht ot refer esaelP .noitatimil noitidnoc gnitsixe-erp a ot tcejbus si egarevoc sih h .snoitidnoc gnitsixe-erp sa hcus ,snoisulcxe dna snoitatimil no noitamrofni erom rof teehs sthgilhgi H ?ECNARUSNI SIHT ROF YAP I OD WOH DNA TSOC TI SEOD HCUM WOP .teehskroW muimerP eht no dedivorp si muimer P evah t’nod uoy serusne sihT .ssecorp tnemllorne eht gnirud uoy yb dezirohtua sa ,noitcuded lloryap hguorht diap yllacitamotua eb lliw muimer t .tnemyap a gnissim ro kcehc a gnitirw tuoba yrrow o W ?LLORNE I NAC NEHY eht fo syad 03 nihtiw ro ,sutats ylimaf ni egnahc a evah uoy etad eht fo syad 13 nihtiw ,doirep tnemllorne deludehcs yna gnirud llorne yam uo c .reyolpme ruoy yb dehsilbatse doirep gnitiaw ytilibigile yna fo noitelpmo W ?NIGEB ECNARUSNI SIHT SEOD NEHS eht fo smret eht htiw ecnadrocca ni evitceffe emoceb lliw ecnarusni ,reyolpme ruoy yb dehsilbatse doirep gnitiaw ytilibigile yna ot tcejbu c .)egarevoc tcele uoy etad eht gniwollof htnom eht fo yad tsrﬁ eht yllausu( etacﬁitre Y .tceffe sekat egarevoc ruoy yad eht no reyolpme ruoy htiw krow ta ylevitca eb tsum uo W ?DNE ECNARUSNI SIHT SEOD NEHT eht ro ,reyolpme ruoy evael uoy ,diapnu si muimerp ,snoitidnoc ytilibigile elbacilppa eht yfsitas regnol on uoy nehw dne lliw ecnarusni sih c .dereffo regnol on si egarevo T tisiv ,ecnarusni ytilibasiD mreT-trohS tuoba erom nrael ot stﬁenebeeyolpme/moc.droftrahehD .CNI ,TNEMPIUQE D&A shtnom ot dael nac ssenlli suoires ro ,ycnangerp ,yrujni kcab A .enoyna ot neppah nac ytilibasid w -krow-non a ot eud emit fo doirep trohs a rof krow ot elbanu er’uoy fI .kcehcyap raluger a tuohtir gniyap yb noitcetorp laicnanif sreffo ecnarusni ytilibasid mret-trohs ,yrujni ro ssenlli ,noitidnoc detale y .sgninrae ruoy fo noitrop a uo

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1I .7102 enuJ 03 .beW .73 .P .noitidE 5102 .licnuoC ytefaS lanoitaN .stcaF yrujn2R .degnahc eb yam stﬁeneb ro/dna seta P .droftraH ehT htiW .liaverP .tcetorP .eraper® T droftraH eh® ,droftraH si ecﬁfO emoH .ynapmoC ecnarusnI tnediccA dna efiL droftraH dna ynapmoC ecnarusnI efiL droftraH seinapmoc gniussi gnidulcni ,seiraidisbus sti dna .cnI ,puorG secivreS laicnaniF droftraH ehT si C .devreser sthgir llA .cnI ,puorG secivreS laicnaniF droftraH ehT 6102 © 61/80 SN e2695 .T T eht dna tnemucod siht neewteb ycnapercsid a fo tneve eht nI .deussi yllautca sa ycilop eht stceffa ro segnahc yaw on ni tub ,debircsed ecnarusni eht fo esoprup lareneg eht snialpxe tnemucod sthgilhgiH tﬁeneB sih p .ylppa ycilop eht fo smret eht ,ycilo B .etats yb yrav snoitidnoc dna smret yciloP .ytilibaliava etats ot tcejbus era stﬁene eht dna laudividni derusni hcae ot deussi ecnarusnI fo etacﬁitreC eht ni era sliated etelpmoC M s’droftraH gnidrager noitamrofni lanoitidda roF .stcudorp ruo fo ecivres dna elas eht rof ,srehto sa llew sa ,srecudorp lanretxe dna lanretni htob setasnepmoc droftraH ehT .redlohycilop eht ot deussi sa yciloP retsa c etisbew ruo weiver esaelp ,secitcarp noitasnepmo h noitasnepmoc-recudorp-stﬁeneb-puorg/moc.droftraheht//:ptt. .tnelaviuqe etats ro ,0021-DBG ,0001-DBG sedulcni seireS mroF ytilibasiD W ?DELBASID EB OT NAEM TI SEOD TAHD .reyolpme ruoy htiw etacﬁitrec s’droftraH ehT ni denﬁed si ytilibasi D ro esuba ecnatsbus ,ssenlli latnem ,ssenkcis ,yrujni ylidob latnedicca ot eu p ytilibasid-erp ruoy fo ssel ro %02 gninrae era uoy ,tluser a sa dna ,noitapucco ruoy fo seitud laitnesse eht mrofrep ot elbanu era uoy ycnanger w erom gninrae era uoy ,tluser a sa dna noitapucco ruoy fo seitud laitnesse eht fo ,lla ton tub ,emos mrofrep ot elba era uoy ro sgninrae ylkee t naht ssel tub %02 nah 8 )dradnats( %0 .sgninrae ylkeew ytilibasid-erp ruoy fo P artxe ro tﬁeneb egnirf rehto yna ro yap emitrevo ,sesunob ,snoissimmoc gnitnuoc ton ,yap fo etar ylhtnom raluger ruoy si sgninrae ytilibasid-er c .noitasnepmo P EGA 2 FO 8 D .CNI ,TNEMPIUQE D& :ETAD NOITACILBUP_SHB DTS 4 1202/8/ 0 2892210

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Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire (age 67).1 G PUOR V YRATNULO ECNARUSNI YTILIBASID MRET-GNOL B STHGILHGIH TIFENET tisiv ,ecnarusni ytilibasiD mreT-gnoL tuoba erom nrael ot stﬁenebeeyolpme/moc.droftrahehD .CNI ,TNEMPIUQE D&A ruoy tcetorp spleh ecnarusni ytilibasid mret-gnoL .enoyna ot neppah nac ytilibasid p yrujni ,noitidnoc suoires a retfa emit fo doirep gnol a rof krow ot elbanu er’uoy fi kcehcya o .ssenkcis r P EGA 3 FO 8 D .CNI ,TNEMPIUQE D& :ETAD NOITACILBUP_SHB DTL 4 1202/8/ 0 2892210 B TIFENEP EGATNECRE ( RUOY FO TNECREP E )SGNINRAM MUMIXAM MUMINI( YLHTNOM NO DESABI EROFEB SSOL EMOCNT FO NOITCUDED EHO )STIFENEB EMOCNI REHTB TIFENES STRAT( NOITANIMILEP )DOIREB NOITARUD TIFENE6 %0 $ 000,5T fo %01 ro 001$ fo retaerg eh t tﬁeneb ehA retf 9 syad 0 d delbasiD 36 egA :erofeb delbasiB delbasid era uoy sa gnol sA :noitarud tﬁeneB ytiruceS laicoS ruoy fo retaerg ehT :mumixam noitarud tﬁene N sraey 4 ro egA tnemeriteR lamroC NOITAMROFNI EGAREVO P SMUIMERS .teehskroW muimerP eht ee2 A DEREWSNA & DEKSW ?ELBIGILE SI OHY .sisab deludehcs ylraluger a no keew rep sruoh 03 tsael ta skrow ohw eeyolpme emit lluf evitca na era uoy fi elbigile era uo A ?EGAREVOC DEETNARAUG I MI .deriuqer ton si ytilibarusni fo ecnedive ,egarevoc tcele ot elbigile era uoy emit tsrﬁ eht si siht f I .egarevoc tcele ot deriuqer si ytilibarusni fo ecnedive ,uoy ot dereffo saw ti emit tsrﬁ eht egarevoc tcele ton did uoy f2 T .teehs snoisulcxE & snoitatimiL eht no deliated si hcihw ,noisulcxe noitidnoc gnitsixe-erp a ot tcejbus si egarevoc sih H ?ECNARUSNI SIHT ROF YAP I OD WOH DNA TSOC TI SEOD HCUM WOP .teehskroW muimerP eht no dedivorp si muimer P t’nod uoy serusne sihT .ssecorp tnemllorne eht gnirud uoy yb dezirohtua sa ,noitcuded lloryap hguorht diap yllacitamotua eb lliw smuimer h .tnemyap a gnissim ro kcehc a gnitirw tuoba yrrow ot eva W ?LLORNE I NAC NEHY nihtiw ,doirep tnemllorne deludehcs yna gnirud llorne yam uo 31 nihtiw ro ,sutats ylimaf ni egnahc a evah uoy etad eht fo syad 30 fo syad t .reyolpme ruoy yb dehsilbatse doirep gnitiaw ytilibigile yna fo noitelpmoc eh W ?NIGEB ECNARUSNI SIHT SEOD NEHS eht fo smret eht htiw ecnadrocca ni evitceffe emoceb lliw ecnarusni ,reyolpme ruoy yb dehsilbatse doirep gnitiaw ytilibigile yna ot tcejbu c .)egarevoc tcele uoy etad eht gniwollof htnom eht fo yad tsrﬁ eht yllausu( etacﬁitre Y .tceffe sekat egarevoc ruoy yad eht no reyolpme ruoy htiw krow ta ylevitca eb tsum uo W ?DNE ECNARUSNI SIHT SEOD NEHT eht ro ,reyolpme ruoy evael uoy ,diapnu si muimerp ,snoitidnoc ytilibigile elbacilppa eht yfsitas regnol on uoy nehw dne lliw ecnarusni sih c .dereffo regnol on si egarevo

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1U fdp.tla-tcafcisab/steehstcaf/sserp/swen/vog.ass.www//:sptth 7102 enuJ 03 .beW .teehS tcaF noitartsinimdA ytiruceS laicoS .S.2R .degnahc eb yam stﬁeneb ro/dna seta3T .snoitidnoC gnitsixE-erP sa hcus ,snoitatimil dna snoisulcxe no noitamrofni erom rof etacﬁitrec eht ot refer esaelP .noisulcxE noitidnoC gnitsixE-erP a sniatnoc ycilop ytilibasiD mreT gnoL eh P .droftraH ehT htiW .liaverP .tcetorP .eraper® T droftraH eh® si ecﬁfO emoH .ynapmoC ecnarusnI tnediccA dna efiL droftraH dna ynapmoC ecnarusnI efiL droftraH seinapmoc gniussi gnidulcni ,seiraidisbus sti dna .cnI ,puorG secivreS laicnaniF droftraH ehT si H .devreser sthgir llA .cnI ,puorG secivreS laicnaniF droftraH ehT 6102 © 61/80 SN e2695 .TC ,droftra T eht dna tnemucod siht neewteb ycnapercsid a fo tneve eht nI .deussi yllautca sa ycilop eht stceffa ro segnahc yaw on ni tub ,debircsed ecnarusni eht fo esoprup lareneg eht snialpxe tnemucod sthgilhgiH tﬁeneB sih p .ylppa ycilop eht fo smret eht ,ycilo B .etats yb yrav snoitidnoc dna smret yciloP .ytilibaliava etats ot tcejbus era stﬁene eht dna laudividni derusni hcae ot deussi ecnarusnI fo etacﬁitreC eht ni era sliated etelpmoC M s’droftraH gnidrager noitamrofni lanoitidda roF .stcudorp ruo fo ecivres dna elas eht rof ,srehto sa llew sa ,srecudorp lanretxe dna lanretni htob setasnepmoc droftraH ehT .redlohycilop eht ot deussi sa yciloP retsa c etisbew ruo weiver esaelp ,secitcarp noitasnepmo h noitasnepmoc-recudorp-stﬁeneb-puorg/moc.droftraheht//:ptt. .tnelaviuqe etats ro ,0021-DBG ,0001-DBG sedulcni seireS mroF ytilibasiD W ?DELBASID EB OT NAEM TI SEOD TAHD .reyolpme ruoy htiw etacﬁitrec s’droftraH ehT ni denﬁed si ytilibasiT ycnangerp ,ssenkcis ,yrujni ot eud noitapucco ruoy fo seitud laitnesse eht fo erom ro eno mrofrep tonnac uoy taht snaem ytilibasid ,yllacipy o naht ssel era sgninrae ylhtnom tnerruc ruoy ,tluser a sa dna ,ecnarusni eht yb derevoc noitidnoc lacidem rehto r 8 %0 ytilibasid-erp ruoy fo e rof delbasid neeb evah uoy ecnO .sgninra 2 sraey fo erom ro eno gnimrofrep morf detneverp eb tsum uoy ,doirep noitanimile eht gniwollof t ot lauqe ro naht ssel era sgninrae ylhtnom tnerruc ruoy ,tluser a sa dna noitapucco yna fo seitud laitnesse eh 6 %0 ytilibasid-erp ruoy fo e .sgninra P ro tﬁeneb egnirf rehto yna ro yap emitrevo ,sesunob ,snoissimmoc gnitnuoc ton ,yap fo etar ylhtnom raluger ruoy si sgninrae ytilibasid-er e .noitasnepmoc artx P EGA 4 FO 8 D .CNI ,TNEMPIUQE D& :ETAD NOITACILBUP_SHB DTL 4 1202/8/ 0 2892210

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B EFIL MRET PUORG CISA a & HTAED LATNEDICCA dn D TNEMREBMEMSI STHGILHGIH TIFENEB ECNARUSNIT efiL tuoba erom nrael o a D&DA dn tisiv ,ecnarusnit stﬁenebeeyolpme/moc.droftrahehD .CNI ,TNEMPIUQE D&T ecnarusni )D&DA( tnemrebmemsiD dna htaeD latnediccA dna efiL mret puorg eh a yam ylimaf ruoy dna uoy taht noitcetorp artxe sevig reyolpme ruoy hguorht elbaliav n ni egarevoc uoy gnidivorp yb noitcetorp laicnanﬁ sreffo ecnarusni D&DA dna efiL .dee c efiL .ytiliba gninrae-emocni ruoy syortsed taht tnedicca na ro htaed ylemitnu na fo esa b .htaed ruoy fo tneve eht ni mus pmul a ni seiraicﬁeneb ruoy ot desrubsid era stﬁene Approximately 50 million households recognize they need more life insurance (40 percent of households).1 P EGA 5 FO 8 D .CNI ,TNEMPIUQE D& EFIL & DDA :ETAD NOITACILBUP_SHB 4 1202/8/ 0 2892210 A TNACILPP L EGAREVOC EFI A EGAREVOC D&DE eeyolpm B tﬁene2 : $ 000,51 A dedulcnI :D&Dpy[AD&D BENEFITS – PERCENT OF COVERAGE AMOUNT PER ACCIDENT LOSS FROM ACCIDENT COVERAGE Life 100% %RWK+DQGVRU%RWK)HHWRU6LJKWRI%RWK(\HV 100% 2QH+DQGDQG2QH)RRW 100% Speech and Hearing in Both Ears 100% (LWKHU+DQGRU)RRWDQG6LJKWRI2QH(\H 100% Movement of Both Upper and Lower Limbs (Quadriplegia) 100% Movement of Both Lower Limbs (Paraplegia) 75% Movement of Three Limbs (Triplegia) 75% Movement of the Upper and Lower Limbs of One Side of the Body (Hemiplegia) 50% (LWKHU+DQGRU)RRW 50% Sight of One Eye 50% Speech or Hearing in Both Ears 50% Movement of One Limb (Uniplegia) 25% 7KXPEDQG,QGH[)LQJHURI(LWKHU+DQG 25% C ot pu rucco nac htaed ro stnedicca derevo 3 syad 56 deecxe ton lliw tnedicca emas eht ot eud sessol lla rof tﬁeneb latot ehT .tnedicca eht retfa 1 %00 .tnuoma egarevoc ruoy foC NOITAMROFNI EGAREVO P SMUIMERY .egarevoc ruoy rof muimerp eht fo %001 syap reyolpme ruo3 A DEREWSNA & DEKSW ?ELBIGILE SI OHY .sisab deludehcs ylraluger a no keew rep sruoh 03 tsael ta skrow ohw eeyolpme emit lluf evitca na era uoy fi elbigile era uo 2Y .tnuoma lanigiro eht ot deilppa eb lliw snoitcudeR .07 ega ta %05 dna 56 ega ta %53 yb decuder eb lliw tﬁeneb ruo

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1L >fdp.6102-efiL-fo-stcaF/sFDP/aideM_/RP/stsoP/tooR_ARMIL/moc.armil/seliFdedaolpu/moc.armil.www//:sptth< .7102 enuJ 03 .beW .6102 efiL tuobA stcaF ,ARMI3R .degnahc eb yam stﬁeneb ro/dna seta P .droftraH ehT htiW .liaverP .tcetorP .eraper® T droftraH eh® ecﬁfO emoH .ynapmoC ecnarusnI tnediccA dna efiL droftraH dna ynapmoC ecnarusnI efiL droftraH seinapmoc gniussi gnidulcni ,seiraidisbus sti dna .cnI ,puorG secivreS laicnaniF droftraH ehT si i .devreser sthgir llA .cnI ,puorG secivreS laicnaniF droftraH ehT 6102 © 61/80 SN b2695 dna a2695 .TC ,droftraH s T tnemucod siht neewteb ycnapercsid a fo tneve eht nI .deussi yllautca sa ycilop eht stceffa ro segnahc yaw on ni tub ,debircsed ecnarusni eht fo esoprup lareneg eht snialpxe tnemucod sthgilhgiH tﬁeneB sih a .ylppa ycilop eht fo smret eht ,ycilop eht dn B .etats yb yrav snoitidnoc dna smret yciloP .ytilibaliava etats ot tcejbus era stﬁene derusni hcae ot deussi ecnarusnI fo etacﬁitreC eht ni era sliated etelpmoC i noitamrofni lanoitidda roF .stcudorp ruo fo ecivres dna elas eht rof ,srehto sa llew sa ,srecudorp lanretxe dna lanretni htob setasnepmoc droftraH ehT .redlohycilop eht ot deussi sa yciloP retsaM eht dna laudividn r .tnelaviuqe etats ro ,0011-DBG ,0001-DBG sedulcni seireS mroF efiL .noitasnepmoc-recudorp-stﬁeneb-puorg/moc.droftraheht//:ptth etisbew ruo weiver esaelp ,secitcarp noitasnepmoc s’droftraH gnidrageA ?EGAREVOC DEETNARAUG I MT .htlaeh ruoy tuoba noitamrofni edivorp ot gnivah tuohtiw elbaliava si ti - egarevoc eussi deetnaraug si ecnarusni sih A .htlaeh ruoy tuoba noitamrofni edivorp ot gnivah tuohtiw elbaliava si D&D H ?ECNARUSNI SIHT ROF YAP I OD WOH DNA TSOC TI SEOD HCUM WOY .egarevoc )eeyolpme( ruoy rof muimerp eht fo %001 syap reyolpme ruo W ?LLORNE I NAC NEHY .yraicﬁeneb a etangised tsum uoy ,os enod ydaerla ton evah uoy fI .egarevoc siht rof uoy llorne yllacitamotua lliw reyolpme ruo W ?NIGEB ECNARUSNI SIHT SEOD NEHT .elbigile emoceb uoy etad eht no uoy rof evitceffe emoceb lliw ecnarusni sih Y .tceffe sekat egarevoc ruoy yad eht no reyolpme ruoy htiw krow ta ylevitca eb tsum uo W ?DNE ECNARUSNI SIHT SEOD NEHT uoy nehw dne lliw ecnarusni sih n ylevitca regnol on era uoy ,diapnu si muimerp ,snoitidnoc ytilibigile elbacilppa eht yfsitas regnol o w .dereffo regnol on si egarevoc eht ro ,reyolpme ruoy evael uoy ,gnikro C ?PUORG SIHT FO REBMEM A REGNOL ON MA RO REYOLPME YM EVAEL I FI ECNARUSNI SIHT PEEK I NAY laudividni na ro etacﬁitrec ytilibatrop puorg a rednu uoy rof deunitnoc eb yam egarevoC .uoy htiw egarevoc efil siht ekat nac uoy ,se c .etacﬁitrec eht ni debircsed era ytilibatrop dna noisrevnoc rof stneve gniyfilauq dna smret cﬁiceps ehT .etacﬁitrec efil noisrevno C .egarevoc D&DA rof elbaliava ton era ytilibatrop dna noisrevno P EGA 6 FO 8 D .CNI ,TNEMPIUQE D& EFIL & DDA :ETAD NOITACILBUP_SHB 4 1202/8/ 0 2892210

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LIMITATIONS & EXCLUSIONS G ECNARUSNI EFIL PUORG SNOISULCXE DNA SNOITATIMIL LARENE• Y .07 ega ta %05 dna 56 ega ta %53 yb decuder eb lliw tifeneb efil cisab ruo R .tnuoma lanigiro eht ot deilppa eb lliw snoitcude• Y .setarotcetorp dna seirotirret sti ,setatS detinU eht fo tnediser lagel ro nezitic a eb tsum uo 5 .tnelaviuqe etats ro ,0011-DBG ,0001-DBG sedulcni seireS mroF efiL .devreser sthgir llA .cnI ,puorG secivreS laicnaniF droftraH ehT.6102 © 61/80 SN a269T fo ypoc A .egarevoc ecnarusni siht rof snoisulcxe dna ,snoitatimil ,snoisivorp lla sliated etacﬁitrec ehT .snoisulcxe dna snoitatimil niatrec sedulcni egarevoc ecnarusni sih t .reyolpme ruoy morf deniatbo eb nac etacﬁitrec eh G ECNARUSNI TNEMREBMEMSID & HTAED LATNEDICCA PUORG SNOISULCXE DNA SNOITATIMIL LARENE• Y .tnuoma lanigiro eht ot deilppa eb lliw snoitcudeR .07 ega ta %05 dna 56 ega ta %53 yb decuder eb lliw tifeneb D&DA cisab ruo• T :yb desuac sessol revoc ton seod ecnarusni sih• S rehtie rof tnemtaert yna ro ;esaesid ;ssenkci• A dnuow ro tuc latnedicca na yb desuac seno niatrec tpecxe ,noitcefni yn• I tpmetta edicius ro edicius ,yrujni detcilfni-fles yllanoitnetn• W ton ro deralced rehtehw ,raw fo tca ro ra• I ytirohtua lanoitanretni ro yrtnuoc yna fo secrof demra eht ni elihw deniatsus yrujn• T naicisyhp desnecil a yb deretsinimda ro yb debircserp sselnu sgurd lagelli ro noitpircserp gnika• I ynolef a timmoc ot gnitpmetta ro gnittimmoc elihw deniatsus yrujn• I detacixotni elihw gnivird elihw deniatsus yrujn• Y .setarotcetorp dna seirotirret sti ,setatS detinU eht fo tnediser lagel ro nezitic a eb tsum uoD SNOITINIFE• L ;foereht ssol elbarevocerri dna eritne ,gniraeh ro hceeps ,thgis ot drager htiw ;stnioj elkna ro tsirw evoba ro hguorht ecnareves lautca ,teef dna sdnah ot drager htiw ,snaem sso w hcus fo sisylarap elbisreverri dna etelpmoc ,tnemevom ot drager htiw ;stnioj laegnalahpopracatem eht evoba ro hguorht ecnareves lautca ,regnif xedni dna bmuht ot drager hti l .sbmi• I uoy elihw srucco hcihw ,sesuac rehto lla fo tnednepedni ,tnedicca na morf yltcerid gnitluser yrujni ylidob snaem yrujn h .egarevoc eva5 .tnelaviuqe etats ro ,0031-DBG ,0001-DBG sedulcni seireS mroF tnediccA .devreser sthgir llA .cnI ,puorG secivreS laicnaniF droftraH ehT.6102 © 61/80 SN c269 G ECNARUSNI YTILIBASID MRET TROHS PUORL SNOISULCXE DNA SNOITATIMIG SNOISULCXE LARENE• Y .stifeneb eviecer ot naicisyhp a fo erac raluger eht rednu eb tsum uo• Y :yb ot detubirtnoc ro desuac era taht seitilibasid rof stnemyap tifeneb ecnarusni ytilibasid eviecer tonnac uo• W )ton ro deralced( raw fo tca ro ra• T ynolef a timmoc ot tpmetta ro ,fo noissimmoc eh• A yrujni detcilfni-fles yllanoitnetni n• Y noitapucco lagelli na ni degagne gnieb ruo• S demialc ylud fi ,diap eb yam ro ,diap era stifeneb noitasnepmoc 'srekrow hcihw rof yrujni ro ssenkci• S tnemyolpme-fles gnidulcni ,reyolpme rehtona rof tiforp ro yap rof krow yna gniod fo tluser a sa deniatsus yrujni ro ssenkciP SNOITIDNOC GNITSIXE-ER• Y ecnarusni ruo l stimi ruoy fo etad evitceffe eht erofeb noitidnoc a rof erac deviecer ro desongaid erew uoy fi ,lareneg nI .snoitidnoc gnitsixe-erp rof eviecer nac uoy stifeneb eht c :fi ylno noitidnoc taht ot eud ytilibasid a rof derevoc eb lliw uoy ,etacifitre• Y rof noitidnoc ruoy rof tnemtaert deviecer ton evah uo 3 ro ,ecnarusni ruoy fo etad evitceffe eht erofeb shtnom• Y rof noitidnoc ruoy rof tnemtaert deviecer ton evah uo 3 ro ,ecnarusni ruoy fo etad evitceffe eht retfa shtnom• Y rof egarevoc siht rednu derusni neeb evah uo 12 ro ,tnemtaert gniviecer er'uoy fi neve stifeneb eviecer nac uoy os ,gnicnemmoc ytilibasid ruoy ot roirp shtnom• I fo mumixam a ot detimil eb lliw egarevoc ruoy ,evoba stnemeriuqer eht fo eno yfsitas ot elbanu era uoy f 4 ytilibasid taht rof stifeneb fo skeewO STESFF• Y :sa hcus ,ytilibasid ruoy ot eud eviecer ot elbigile era ro eviecer uoy emocni rehto yb decuder eb lliw stnemyap tifeneb ruo• S )snoitpecxe rof noitces txen ees esaelp( ecnarusni ytilibasid ytiruceS laico• O evah yam uoy egarevoc ecnarusni desab-reyolpme reht• U stifeneb tnemyolpmen• S ssol emocni rof stnemgduj ro stnemeltte• R )nalp noisnep a sa hcus( rof syap yllaitrap ro ylluf reyolpme ruoy taht stifeneb tnemerite• Y :sa hcus ,emocni rehto fo sdnik niatrec yb decuder eb ton lliw stnemyap tifeneb ruo• R delbasid emaceb uoy erofeb meht gniviecer ydaerla erew uoy fi stifeneb tnemerite• R gnirahs-tiforp shgoeK ro sARI ,stnemtsevni ,sgnivas lanosrep ruoy snoitubirtnoc xat-retfa ruoy yb dednuf era taht stifeneb tnemerite• M seicilop ytilibasid lanosrep tso• S sesaercni gnivil-fo-tsoc ytiruceS laico T :yciloP eht rednu tnamialc ralucitrap a fo noitautis eht tcelfer ot dednetni ton si dna snoitcuder tifeneb eht fo tceffe eht gnitartsulli fo sesoprup rof si elpmaxe sih I 000,1$ ]yaP ylkeew cisaB/sgninraE ytilibasiD-erP[ ylkeew s’derusnS %06 x egatnecrep stifeneb ytilibasid mret trohU 006$ tifeneb mumixam decudernL 003$ - keew rep tifeneb ytilibasid ytiruceS laicoS sseL 001$ - keew rep tifeneb emocni ytilibasid etats sseT 002$ keew rep tifeneb ytilibasid mret trohs fo tnuoma lato T .secivreS laicnaniF fo tnemtrapeD kroY weN eht yb denifed sa ecnarusni lacidem rojam ro lacidem cisab ,latipsoh cisab edivorp TON seod tI .ylno ecnarusni emocni ytilibasid sedivorp ycilop sih 5 .tnelaviuqe etats ro ,0021-DBG ,0001-DBG sedulcni seireS mroF ytilibasiD .devreser sthgir llA .cnI ,puorG secivreS laicnaniF droftraH ehT.6102 © 61/80 SN e269 G ECNARUSNI YTILIBASID MRET GNOL PUORL SNOISULCXE DNA SNOITATIMIG SNOISULCXE LARENE• Y .stifeneb eviecer ot naicisyhp a fo erac raluger eht rednu eb tsum uoD .CNI ,TNEMPIUQE D& :ETAD NOITACILBUP_SNOISULCXE & SNOITATIMIL 4 1202/8/ 0 2892210 P EGA 7 FO 8

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• Y :yb ot detubirtnoc ro desuac era taht seitilibasid rof stnemyap tifeneb ecnarusni ytilibasid eviecer tonnac uo• W )ton ro deralced( raw fo tca ro ra• T ynolef a timmoc ot tpmetta ro ,fo noissimmoc eh• A yrujni detcilfni-fles yllanoitnetni n• Y noitapucco lagelli na ni degagne gnieb ruoP SNOITIDNOC GNITSIXE-ER• Y ruoy fo etad evitceffe eht erofeb noitidnoc a rof erac deviecer ro desongaid erew uoy fi ,lareneg nI .snoitidnoc gnitsixe-erp rof eviecer nac uoy stifeneb eht sedulcxe ecnarusni ruo c :fi ylno noitidnoc taht ot eud ytilibasid a rof derevoc eb lliw uoy ,etacifitre• Y rof noitidnoc ruoy rof tnemtaert deviecer ton evah uo 3 ro ,ecnarusni ruoy fo etad evitceffe eht erofeb shtnom• Y rof egarevoc siht rednu derusni neeb evah uo 12 ro ,tnemtaert gniviecer er'uoy fi neve stifeneb eviecer nac uoy os ,gnicnemmoc ytilibasid ruoy ot roirp shtnom• Y rerusni suoiverp ruoy fo tnemeriuqer noitidnoc gnitsixe-erp eht deifsitas ydaerla evah uoL SNOITATIMI• M .noitatimiL esubA ecnatsbuS dna ssenllI latne snegonicullah ,stnalumits ,sevitades ,scitocran fo esu eht ro msilohocla fo esuaceb ro ssenllI latneM fo esuaceb delbasid era uoy fI o fo mumixam a rof elbayap eb lliw stifeneb ,ecnatsbus ralimis rehto r 2 shtnom 4 taht fo dne eht ta sselnu ,emitefil ruoy ni 2 shtnom 4 , ecalp rehto ro latipsoh a ot denifnoc era uoy l .ytilibasid ruoy rof erac lacidem edivorp ot desneciO STESFF• Y :sa hcus ,ytilibasid ruoy ot eud eviecer ot elbigile era ro eviecer uoy emocni rehto yb decuder eb lliw stnemyap tifeneb ruo• S )snoitpecxe rof noitces txen ees esaelp( ecnarusni ytilibasid ytiruceS laico• W noitasnepmoc ’srekro• O evah yam uoy egarevoc ecnarusni desab-reyolpme reht• U stifeneb tnemyolpmen• S ssol emocni rof stnemgduj ro stnemeltte• R )nalp noisnep a sa hcus( rof syap yllaitrap ro ylluf reyolpme ruoy taht stifeneb tnemerite• Y :sa hcus ,emocni rehto fo sdnik niatrec yb decuder eb ton lliw stnemyap tifeneb ruo• R delbasid emaceb uoy erofeb meht gniviecer ydaerla erew uoy fi stifeneb tnemerite• R gnirahs-tiforp shgoeK ro sARI ,stnemtsevni ,sgnivas lanosrep ruoy snoitubirtnoc xat-retfa ruoy yb dednuf era taht stifeneb tnemerite• M seicilop ytilibasid lanosrep tso• S sesaercni gnivil-fo-tsoc ytiruceS laico T :yciloP eht rednu tnamialc ralucitrap a fo noitautis eht tcelfer ot dednetni ton si dna snoitcuder tifeneb eht fo tceffe eht gnitartsulli fo sesoprup rof si elpmaxe sih I 000,3$ ]yaP ylhtnoM cisaB/sgninraE ytilibasiD-erP[ ylhtnom s’derusnL %06 x egatnecrep stifeneb ytilibasid mret gnoU 008,1$ tifeneb mumixam decudernL 009$ - htnom rep tifeneb ytilibasid ytiruceS laicoS sseL 003$ - htnom rep tifeneb emocni ytilibasid etats sseT 006$ htnom rep tifeneb ytilibasid mret gnol fo tnuoma lato T .secivreS laicnaniF fo tnemtrapeD kroY weN eht yb denifed sa ecnarusni lacidem rojam ro lacidem cisab ,latipsoh cisab edivorp TON seod tI .ylno ecnarusni emocni ytilibasid sedivorp ycilop sih 5 .tnelaviuqe etats ro ,0021-DBG ,0001-DBG sedulcni seireS mroF ytilibasiD .devreser sthgir llA .cnI ,puorG secivreS laicnaniF droftraH ehT.6102 © 61/80 SN d269 P .droftraH ehT htiW .liaverP .tcetorP .eraper® T droftraH eh® si eciffO emoH .ynapmoC ecnarusnI tnediccA dna efiL droftraH dna ynapmoC ecnarusnI efiL droftraH seinapmoc gniussi gnidulcni ,seiraidisbus sti dna .cnI ,puorG secivreS laicnaniF droftraH ehT siH .TC ,droftra T ,ycilop eht dna tnemucod siht neewteb ycnapercsid a fo tneve eht nI .deussi yllautca sa ycilop eht stceffa ro segnahc yaw on ni tub ,debircsed ecnarusni eht fo esoprup lareneg eht snialpxe tnemucod sthgilhgiH tifeneB sih t .ylppa ycilop eht fo smret eh B .etats yb yrav snoitidnoc dna smret yciloP .ytilibaliava etats ot tcejbus era stifene retsaM eht dna laudividni derusni hcae ot deussi ecnarusnI fo etacifitreC eht ni era sliated etelpmoC P .redlohycilop eht ot deussi sa yciloP EGA 8 FO 8 D .CNI ,TNEMPIUQE D& :ETAD NOITACILBUP_SNOISULCXE & SNOITATIMIL 4 1202/8/ 0 2892210

2024 Updated DD Equipment DVO OE Kit

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