Understanding HealthSync Services

What is HealthSync? HealthSync is a network of high-performing practices offering value-based care. That means you get a physician who’s truly invested in your health; one who builds a strong relationship with their patients. And better relationships often mean better health. It also means: Individualized care Affordable care BlueCard® Access to advanced personalized Discounts for services with Seamless out-of-state and care plans and behavioral health all participating in-network away from home access via resources. Providers who have doctors and hospitals. Blue Care (HealthSync). been selected based on their outcomes, continuity of care. Why HealthSync? ◦ Anthem and your employer’s goal is for you and your covered family members to have strong relationships with top- performing doctors and to experience better health outcomes. ◦ With HealthSync, expect to get more personalized care and pay less for your care when you use a HealthSync provider. You’ll benefit from: Lower Lower deductibles co-insurance ◦ HealthSync providers have been successful in increasing the quality and affordability of care they deliver. - For you, this means a better health care experience and greater emphasis on overall well-being. What is the value of HealthSync plans? ◦ HealthSync uses providers with a proven record of delivering high quality, cost-effective care. ◦ HealthSync offers higher value at a lower cost.

What care providers are in the HealthSync Network? The HealthSync network includes more than 10,000 healthcare providers and 45 top hospitals throughout Indiana. Bluffton Regional Medical Center St. Joseph Hospital (Fort Wayne) Good Samaritan Hospital Elkhart General Hospital The Orthopedic Hospital Kosciusko Community Hospital Gibson General Hospital OrthoIndy Memorial Hospital of South Bend Lutheran Hospital of Indiana Dupont Hospital St. Vincent Hospitals Memorial Hospital of Logansport Franciscan Health What are the 3 network levels? Your health plan has three tiers of coverage – HealthSync, In Network and Out of Network. The least expensive costs are achieved when you stay in the HealthSync network - Tier 1. You may still access care from providers in the Anthem PPO network (Tier 2), just as before, and those expenses will be considered in-network. Providers in Tier 3 will be considered out of network. Tier 1 These providers have agreed to become even stronger partners, including providing enhanced HealthSync service levels to patients, meeting best practice quality standards and charging the most cost-effective fees for their services. A great deal of work and research has gone into creating this network level to further benefit patients, providers and the health plans. HealthSync providers will work hard to see patients the same day when needed (or as soon as possible if not urgent), help coordinate your care with other providers you may have to bring a more consolidated care approach and help you find your way through the healthcare system. Tier 2 These providers continue to be partners in the plans, even though they are not contracted within In-network, but the HealthSync network. You may still access care from providers in the Anthem network, just as not HealthSync before, and those expenses will be considered in-network. Tier 3 These providers do not have contracted arrangements through Anthem, meaning there are no set Out-of-network limits for what they can charge, leaving you with more to pay out-of-pocket for services.

What will my claims look like? CLAIM #1 CLAIM #2 CLAIM #3 You went to Ascension You went to IU Health and saw If you went to a provider St. Vincent and saw a a Tier 2 provider. You stayed that does not participate in Tier 1 provider. Therefore, in-network, but your level of HealthSync or Tier 2 PPO, you you received the highest benefits were not as high as will have the highest out of level of benefits. seeing a Tier 1 provider. pocket cost and providers may Reference your Tier 1 benefits on Reference your Tier 2 benefits on balance bill you for services. your benefits summary guide. your benefits summary guide. Reference your Out-of-network (Tier 3) benefits summary guide. Do members need to get a referral from their PCP to see a specialist? HealthSync plans are open access, meaning that referrals are not required. What if I have more questions? Contact Customer Service at 833-578-4441. Our Customer Service team will simplify the healthcare experience, so you better understand your health situation and are able to find the right care at the right time – for the right cost. Anthem Blue Cross and Blue Shield is the trade name of Anthem Insurance Companies, Inc. Independent licensee of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.

IMCPL – HealthSync Highlights •99.9% of claims in Broad PPO Network • 70% of overall claims in Tier 1 HealthSync Network • 100% of members have access to HealthSync providers • Estimated potential savings of $346,000 annually moving to HealthSync •30% of claims paid with Tier 1 HealthSync providers • 30% of Hospital claims paid in Tier 1 HealthSync network • 72% of Professional claims paid in Tier 1 HealthSync network •Top Hospital Systems utilized in the HealthSync Network • Ascension St Vincent • Franciscan Health • Riverview Hospital •Top Hospital Systems utilized NOT in the HealthSync Network • Community Hospital & IU Health COMPANY CONFIDENTIAL | FOR INTERNAL USE ONLY | DO NOT COPY 1

Indiana High Performance Networks HealthSync, Anthem’s current value-based care includes HealthSync POS and HealthSync 3-Tier plans. All provide high- quality, synchronized care that lead to lower costs, improved outcomes, and an enhanced member experience. This year, Anthem has a new option—Anthem Link HealthSync HMO. This plan extends coverage outside of Indiana SM SM using the Blue High Performance Network (Blue HPN ) where members are in-network in 55+ markets. Anthem Link HealthSync HMO o昀昀ers comprehensive medical combined with enhanced digital capabilities to deliver integrated, performance-based health care that can provide signi昀椀cant savings to employers, members, and the overall health care community. We will continue to have the POS plans that have been available in the market since 2018. Starting in 2021 we will have new Anthem Link plans connected to our national Blue HPN which leverages our existing HealthSync network. HealthSync Blue HPN Statewide MSA coverage HealthSync POS HealthSync Options POS (3 Tier) 1 Anthem Link HealthSync HMO • Seamless network within Central Region states 2 • Outside of the Central Region - BlueCard PPO • Portable and seamless access across 55+ MSAs • This plan applies to large groups • In network only coverage for providers that are part of Blue HPN (within IN, members use HealthSync providers for in-network coverage) • This plan applies to both small groups (SG) and large groups 1 Anthem Link HMO replaces HealthSync HMO e昀昀ective 12/31/2020 2 MSA number and coverage are subject to change Anthem Blue Cross and Blue Shield is the trade name of Anthem Insurance Companies, Inc. Independent licensee of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.

High-level overview of the plan types Anthem Link HealthSync HMO HealthSync POS HealthSync Options POS (3 Tier) Think of these plans as HMO and PPO “hybrids.” An HMO plan that combines a network with Tier 1 high performing providers with comprehensive Anthem HealthSync/Cooperative Care Indiana High medical and digital capabilities. The integration Providers: o昀昀ers the lowest out-of-pocket of these components strengthens the costs and a network of high-performing value proposition for our members through A Point of Service plan (POS) o昀昀ers lower practices providing value-based care. costs if doctors, health care providers, and consumer empowerment and a di昀昀erentiated hospitals in the plan‘s network are used. Tier 2 Description digital experience, driving a昀昀ordability and improved member experience as a whole. Other Blue Access PPO providers: may result Bene昀椀ts are covered in the HealthSync in higher out-of-pocket costs. To maximize Performance network as well as out of network. savings, consider using a Tier 1 doctor. $0 member out of pocket cost for primary Tier 3 care, virtual care, mental/behavioral health Out of network: will result in higher out- and retail health care on non-HSA plan. of-pocket costs. To maximize savings, Networks consider using a Tier 1 doctor. Members receive in-network coverage when they visit any participating HPN provider Out-of-network care is allowed, but staying Out-of-network care is allowed, but staying Access to care in our HPN markets across the U.S. Non- in the plan’s network is far less expensive. in the plan’s network is far less expensive. network and out of country coverage is At A Glance limited to urgent and emergency care. O昀昀ers the freedom to use HealthSync and other PPO providers, as well as out-of-network doctors and providers, O昀昀ers the freedom to use out-of- but the out-of-pocket cost is higher than network doctors and providers, but an in-network doctor or provider. the out-of-pocket cost is higher than Typically o昀昀ers lower monthly payments Members have access to most providers De昀椀nitions The bottom line and out-of-pocket costs. an in-network doctor or provider. Anthem has contracts with, including BlueCard, Blue HPN: The Blue HPN is available in over 55+ markets Gives members access to BlueCard without compromising access. While pricing and related out-of-network care. is not as lean as an HMO or POS, tier plans (MSAs) across the country, of which nine are service-area provide value-based bene昀椀t design, which incentivizes the use of the HealthSync network wide, high-performance-networks that cover 56% of the US when compared to Blue Access PPO. population. Blue HPN is the only high-performance network Small Group Large Group (2-50) Large Group (100+) o昀昀ered by a national carrier that is available in all 10 of the Segment size(s) (51+) largest cities in the U.S. Members in Blue HPN will be able Large Group (requires a 30% spread in bene昀椀t cost (51+) shares between the two network tiers) to access in-network care across all 55+ markets, enjoying Small Group FI ACA: 1/1/2021 seamless access when they and covered dependents travel.* Small Group ChamberCare Health 1/1/2018 7/1/19 E昀昀ective date Alliance - MEWA: 10/1/21 Large Group: 1/1/2021 BlueCard: Seamless access for employees who live/travel Small Group: Fully Insured (FI) FI and ASO FI (100 covered and up) and ASO outside of the state. Funding Large Group: FI and Administrative Services Only (ASO) Cooperative Care: A subset of HealthSync PCPs also Only includes OON coverage for emergency or Out-of-network (OON) authorized services. Includes OON coverage with higher participate in Cooperative Care, Anthem’s next-generation cost shares (including deductible, Includes OON coverage with higher cost shares Members are responsible for 100% of non-ER (including deductible, coinsurance, and copays). coverage payment innovation model. Cooperative Care is made up of a related costs. coinsurance, and copays). select group of providers within the HealthSync network. BlueCard   Blue HPN  Digital capabilities Yes Yes Yes PCP selection required Yes Yes Yes No – but encouraged No – but encouraged No – but encouraged Required referrals Cooperative Care Yes Yes Yes *MSA number and coverage are subject to change

The South Bend Clinic Franciscan Elkhart General Health Hospital Memorial Hospital of South Bend Franciscan Franciscan Health Health Kosciusko HealthSync Community Hospital St. Joseph Dupont Hospital Hospital The Orthopedic Lutheran Hospital Hospital of Indiana Franciscan High Health Memorial Hospital Dukes Memorial of Logansport Hospital Blu昀昀ton Regional Medical Center Ascension Performance St. Vincent Ascension OrthoIndy Ascencion St. Vincent Franciscan OrthoIndy St. Vincent Health Ascension OrthoIndy St. Vincent Network Franciscan OrthoIndy Ascension Health OrthoIndy St. Vincent OrthoIndy OrthoIndy Ascension St. Vincent Providers Ascension Franciscan Health Ascension St. Vincent Franciscan Health St. Vincent OrthoIndy Franciscan Health OrthoIndy Ascension St. Vincent View a full list of HealthSync Providers: Ascencion anthem.com/HealthSyncProviderFinder Good Samaritan St. Vincent Hospital Ascension St. Vincent Gibson General Hospital Cooperative Care location Ascension Ascension St. Vincent Perry County Memorial Hospital St. Vincent

Are you looking for a doctor? It’s easy to find one online The right doctor can have a positive impact on your health and well-being. Choosing one in your plan can save you money as well. The Find Care tool helps you locate doctors, dentists, eye care professionals, hospitals, labs, and other health care providers in your plan. If you decide to see a doctor outside your plan, your costs will be higher and your care may not be covered. Therefore, it is a good idea to learn how this convenient tool can help you find care. How to find a doctor near you: 1 Go to anthem.com/find-care 2 You can look for a doctor by using either:  Search as a member: Log in with a username and password or with the member number on your ID card.  Search as guest: Select a plan or network,* or search by all plans and networks 3 Once you log in, select the Find Care option on the welcome menu. 4 Next, choose who you would like to see. You can search for a doctor nearby or use the doctor’s name. 5 Select a provider to see more details, such as:  Specialties  Training  Gender  A map of their office location  Languages spoken  Phone number Health information that goes where you go The Sydney Health app makes it easy to find information about your plan benefits wherever you are. The app keeps everything you need to know about your plan personalized and in one place. Download the app today. * If you don’t know the name of the plan or network, check with your human resources department or benefits administrator. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. Copies of Colorado network access plans are available on request from member services or can be obtained by going to anthem.com/co/networkaccess. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. 00734ANMENABS VPOD Rev. 06/20