ASO optional program offeringsSELF-FUNDED GROUPS, SIZED 51–99

Asuris Northwest Health 528 E Spokane Falls Blvd, Suite 301 Spokane, WA 99202

2

More options, better valueOur role as an ASO plan administrator is to be a good steward of your health care dollars. While we’ve built our plans on a broad network with deep negotiated discounts, health care costs continue to rise. To mitigate those costs, we offer additional value in expertly managed utilization and claims costs. Our optional programs bring immediate value to ASO groups, helping improve employee well-being, productivity and experience. Some can also directly improve the bottom line.We offer mid-size employers (51–99) a no-hassle ASO administration product by bundling into the core product the following services, which larger employers must purchase separately: Asuris case management, core utilization management, a pharmacy benefit, Asuris Advantages, end stage renal disease management and stop loss insurance.

Program Program overview — What it does Value to you

Case Management Enables registered nurse and social case managers to work one on one with employees to advise and empower them through medical decisions for the best possible health outcome.

Employs predictive modeling to proactively identify employees to find health risks and opportunities for timely intervention.

Coordinates care to help avoid duplicative services; lowers risk associated with unnecessary care; helps employee develop a plan to manage their current health care issue consistent with their benefits and the provider’s care plan.

Lowers costs.

Reduces risk.

Improves outcomes.

Improves productivity.

Core Utilization Management

Uses evidence-based guidelines in a three-stage review process: pre-authorization, concurrent review, post-service review.

Ensures that procedures, medications and devices are supported by research, demonstrate effective outcomes and deliver value.

Evaluates medical necessity, appropriateness and efficient use of health care services, procedures, medications and facilities.

Lowers costs.

Reduces risk.

Improves outcomes.

Stop Loss Aggregate stop loss insurance limits the amount you pay for group medical claims to a specific dollar amount, or attachment point, during the policy year. The attachment point is usually expressed as a percentage of the total expected claims (e.g., 125%).Specific stop loss insurance (sometimes called individual stop loss insurance) limits the amount you pay for medical claims related to any one individual to a set dollar amount per policy year.

Offers financial security and protection.

Asuris Advantages This members-only discount program offers savings on leading health-related products and services, including:

Helps you and your employees achieve health and well-being goals.

LASIK surgeryHearing aidsDental care products

EyewearWeight managementHealthy meals and gym memberships and much more

Learn about all the discounts available by visiting asuris.com/advantages.

3

ASO optional programsROI estimates are based on program-specific historical experience and are not intended to be a guarantee of future performance. Actual savings may vary due to group-specific utilization patterns, benefit design, demographics, employer and member engagement and other factors.

Program Program overview — What it does Value to you

Asuris Advanced Imaging Authorization

Has a team of registered nurses and physicians review the medical necessity of referrals to advanced imaging services using evidence-based guidelines.Promotes the use of the most appropriate imaging services based on the patient’s clinical needs.Provides authorization if medical necessity is met and in alignment with medical policy. If a provider performs imaging without authorization, they won’t be allowed to bill the member.

ROI: 0.8 - 1.5Reduces employee and plan costs.Reduces the performance of inappropriate imaging and exposure to unnecessary radiation.

Asuris Advice24(nurse line)

Makes professional health advice available 24 hours a day, 7 days a week.Nurses support employees when they are sick, injured or have clinical questions. They help them decide if they need to seek emergency care, make a doctor appointment or pursue self-care at home.

Can reduce costs by reducing ER visits.Provides convenience to employees by providing real-time access to nurses.

Infusion therapy — alternative sites of careThis program addresses the use of infusion medications — some of which are used to treat rare conditions. Our pharmacy benefit team will work with each group to estimate potential savings and identify the program’s likely value to the group prior to purchase.

The medical drug infusion program manages drug and site-of-care costs separately to focus on what everyone needs: quality treatment, convenience and savings: Quality treatment Treatments at alternative sites of care (such as doctors’ offices, infusion suites and a patient’s home) are as safe and effective as treatments received at outpatient hospital facilities. Increased convenience Employees can receive treatments on a schedule that fits their needs (including evenings and weekends) at specially certified infusion suites or even in the comfort of their own home. Doctors’ offices are also available at a variety of nearby locations. More savings Alternative treatment sites offer the same high-quality infusion therapy at lower costs through reduced administration fees.

Lowers plan and employee costs. May improve compliance with treatment regimens.Reduces unnecessary exposure to higher-acuity settings.Helps employees navigate their options.

4

Program Program overview — What it does Value to you

Asuris Condition Manager (disease management)

Identifies employees with chronic conditions and provides the necessary education to most effectively manage the condition. Helps them understand their treatment plan and benefits, and encourages preventive and routine care. Program includes:AsthmaCoronary artery diseaseCongestive heart failureChronic obstructive pulmonary diseaseDiabetesDepression (managed as a comorbidity)

Disease management is a key element in an integrated medical management approach.Employees have access to a multi-disciplinary team.Employees can receive care alerts to stay on track with medical needs.

Maternity management— Asuris Bump2BabySM

Offers expectant mothers maternity support and education. Each participant receives: Help using their benefits Support of their provider’s care guidelines 24/7 access to a toll-free nurse advice lineQuarterly pregnancy newslettersNurse outreach, if they’re high risk A helpful app, which offers assistance in tracking milestones, reminders, a click-to-call button for the nurse line and more

Can help lower the risk of a costly pre-term delivery. Promotes healthy pregnancy behavior that can decrease the cost of maternity claims.

Asuris Physical Medicine

Provides evidence-based guidelines for pre-authorization performed by a team of registered nurses and physicians to help ensure appropriate, cost-effective care in the following categories: Spinal surgeriesPain and joint managementPhysical medicine and therapies (physical, occupational, speech and massage therapies; acupuncture and chiropractic/manipulation treatments)

ROI: PT/OT/ST 6.7 - 7.0ROI: CAM 1.0 - 1.6ROI: Spinal fusions 3.6 - 10.0ROI: Pain management 2.5 - 4.9ROI: Joint replacement 0.3 - 4.9Ensures treatments are medically necessary and are performed at the right time and place to improve quality of life.This program applies only to members seeking these services in ID, OR, UT or WA.

Asuris Sleep Medicine Manages testing and therapy services for sleep disorders. Ensures medical necessity and that sleep testing is performed in the most medically appropriate and cost-effective setting. Also makes sure treatment is effective. The following types of sleep medicine services are included: Titration studiesHome sleep testingOral appliances for sleep therapy In-lab sleep studiesInitial and ongoing treatment orders (APAP, CPAP, BiPAP)

ROI: 2.8 - 3.9Lowers costs.May improve compliance. Improves health and productivity.Reduces unnecessary use of sleep medicine services.

5

THE FOLLOWING SERVICES ARE AVAIL ABLE TO YOU AS OPTIONAL OFFERINGS.

Financial account and plan management options

Program Program overview — What it does Value to you

Flexible spending accounts (FSA), powered and managed by HealthEquity®

Both medical FSA and dependent care accounts (DCA) available.Offers debit-card solution or automatic filing of processed claims for employee reimbursement. (DCA not eligible for debit card.) Real-time balances and claims status available online.FSA fully integrated with claims system.If employee has both medical and dependent care FSAs, only the medical FSA fee is charged.

Lowers cost for integrated solutions. Reduces administrative burden.Improves convenience through consolidated customer service.

Health reimbursement account (HRA) / health incentive accounts, powered and managed by HealthEquity®

HRA fully integrated with eligibility and claims systems. You choose reimbursement method: automatic claims filing with payment to employee or provider, or via debit card.Real-time balances and claims available online.

Health savings accounts (HSA), powered and managed by HealthEquity®

HSA fully integrated with eligibility and optional claims systems. Flexibility to administer variety of IRS-compliant plan designs.Real-time deductible and out-of-pocket information at network pharmacies.Employees may access HSA funds with debit card, by paying providers through website, or on a claim-by-claim basis.Single sign-on between Asuris and HealthEquity websites and HSA account balance displays on asuris.com.

COBRA, retirees Provides enrollment, notifications, billing, eligibility maintenance, regulation monitoring and monthly reporting.Gives you information necessary to complete the Form 5500—Schedule A and C filings.Basic service does not include any custom reports.

Reduces administrative burden.

6

Specialty coverage and servicesFrom vision and dental plans to enrollment assistance, we offer several options to help you.

Program Program overview — What it does Value to you

Asuris dental Flexible dental coverage includes: Lowers costs; targets 20-30% average discount.Reduces administrative hassles; pairing with medical plan means easy management of benefits.Offers single member ID card.Convenience means higher productivity.

Preventive RestorativeYour employees also get: Largest PPO dental network in our four-state region: 10,000 dental access points across Idaho, Oregon, Utah and WashingtonThe Asuris National Dental Network (for services outside the four states), with over 284,000 access points nationwide

Major servicesOptional orthodontiaAdditional employer options:Incentive dental options for coinsurance levels and annual maximum builder plansIn-network and out-of-network options with increased cost shares for out-of-network care

Drug transparency–MedSavvy®

Employees compare treatment options side-by-side for both effectiveness and benefit-specific cost. Medications are reviewed by a team of pharmacists and graded for their effectiveness in treating a specific condition. Keeps employees updated with alerts for safety notices, recalls and opportunities to save money by switching to an effective, lower-cost treatment option.Friendly team of pharmacists answer employees’ questions and even check their Medicine Cabinet for common drug interactions, safety concerns, or cost-savings opportunities.

Ability to manage pharmaceutical costs for both you and your employees.Healthy and empowered employees increase productivity and workplace attendance.Targeted benefit service positions your company as progressive, caring and engaged.

Asuris Choice Vision Plan options: Frame allowance: $150 every calendar year; contacts covered in lieu of glasses up to the frame allowance.Annual exam and lenses total copay: $0.Contact lens fitting and evaluation services covered in full after a copay of up to $60.

Offers eye wear savings.Consolidates administration/billing.Uses the VSP network of over 96,000 national access points. Network includes community-based providers plus the most popular chains.

7

Health and productivityWe offer a wide range of population health management, fitness and rewards, and specialty health care management programs to improve the health of employees and their family members. We can help them get well and stay healthy, and help them get care easily without losing time away from work.

Program Program overview — What it does Value to you

Wellness program—Asuris Motivate

Asuris Motivate brings end-to-end simplicity to population health and well-being. It connects and integrates people, technology and benefit design through a user-friendly engagement platform. Choose one of four solutions: Prevent, Plus, Incent and Custom.You’ll have a client success manager (CSM) to help design, implement and evolve a well-being program based on your unique goals.Online and mobile app resources include a health assessment, personal challenges, digital self-guided programs, financial well-being, access to a health coach, a health library with decision-making tool and symptom checker. It also offers fitness device and app syncing, and trackers for biometrics and other activities.

Flexible options range from foundational to fully customizable to meet the unique needs for each employer well-being strategy.Provides dedicated client success manager.Supports your organization where you are in well-being program evolution.Drives engagement through dedicated mobile app.Supports building a culture of health.Assists in decreasing high-risk behaviors.

Employee Assistance Program

Confidential counseling and 24-hour crisis helpline resolve problems that may interfere with work, family and life.Convenient access to online consultations with licensed counselors and a life-balance website that offers interactive resources for solving and preventing a range of mental health challenges and other problems.Has legal services and online legal forms including wills, contracts, leases and more.Offers financial, parenting and elder care services.Includes workplace support and resources to management, supervisors and employees at no additional cost.Option to choose 4, 6 or 8 visits.Integrates with the Asuris provider network.

Increases productivity.Reduces absenteeism.Reduces costs and disability claims.Improves climate/morale.Lowers turnover.Helps attract new talent.

Smoking cessation–Quit For Life®

Confidential, 12-month, self-paced program helps break the smoking habit with coaching support, online tools, printed materials and nicotine replacement products designed to improve the odds of quitting for life. Trained quit coaches are available to offer support 24 hours a day, 7 days a week. No limit to number of times someone can participate as long as they remain eligible for the program.

Improves employee health.Potentially lowers health care costs.

Telehealth On-demand primary and behavioral health virtual care through phone or video visits.Available 24/7/365, even holidays.Alternative to expensive ER or urgent care visits that lowers employee expenses and plan costs.Especially valuable to employees on high-deductible plans.Discourages care delays due to travel, time and expense.Seamless claims and benefit integration. Talk to your sales representative about customized telehealth solutions to fit your needs.

When properly marketed and supported, telehealth can:Lower plan costs.Improve productivity.Reduce absenteeism for care-seeking.Create potential lessons and intervention opportunities to drive education and behavior change away from higher-cost treatment options.Improve morale.

Behavioral health–MyStrength®, Cognoa®

Digital tools that provide support for members and their families across a spectrum of behavioral health needs.Mental health and resiliency: App that provides on-demand access to clinically validated support tools, exercises and materials. Ideally suited for situational support and resiliency skills building. Early childhood development: Mobile app offering support and guidance to anyone caring for children between 1 and 8 years old. Includes developmental assessment and a clinically validated autism screening (for groups 500+).

Provides tools and support for your employees to address various behavioral health needs, from help managing their own mental health and resiliency to support for parents with younger children.

Cardiometabolic–Livongo® Diabetes Management & Weight Management

Solutions that support members along the continuum of related metabolic dysfunction diseases. These include cellular-enabled tools (glucose meter and/or scale), an integrated application, and support services.

Make it easier for your employees to get and stay healthy by providing tools for diabetes management, prevention and weight management.

8

Marketing servicesTo aide in employees’ understanding of their benefits, we offer a suite of additional marketing services.

Notes

Program Program overview — What it does Value to you

Marketing services Our marketing services are available for purchase. Most of these services are also available in Spanish:Benefits fair boothBilingual customer service (Spanish)BrochuresEnrollment guidesFlyersInformation cardsPostcardsWorkplace postersWorkplace table tents

Additional professional marketing services, year-round.On-site engagement.

Asuris receives an administrative fee for each HealthEquity Integrated HSA. The fee allows for a high level of support and integration between Asuris's health plans and HealthEquity health savings accounts.

9

ANH-149141-19/09-rep149141-18 © 2019 Asuris Northwest Health

Asuris complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-888-232-8229 (TTY: 711).注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電 1-888-232-8229 (TTY: 711).

Asuris Northwest Health528 East Spokane Falls Blvd, Suite 301Spokane, WA 99202

We’re here to help you choose the programs that are right for your employees’ needs. For more information, please contact your producer or Asuris Sales.