Southeast People Solutions Summit Flyer Book

Carrier flyer viewbook

Contents

Allstate

Cigna

Gravie

Hartford

Healthcare Bluebook

Humana

LegalEASE

Maven

Ochsner

The Orientation Company

112

Quantum

118

Rightway

126

Teladoc

140

Wex

148

Allstate

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Lockton Companies | 3

4 

5 

Solution Brief

Papa for Employers Support the people that support you—with high-quality, human help from our friendly Papa Pals. Support the people that support you—with high-quality, human help from our friendly Papa Pals. Papa offers flexible family care to assist employees with caring for aging or ill loved ones, children, or themselves. Our curated national network of Papa Pals lighten the second (or third) shift load, and help you attract and retain happy, healthy, and productive employees. Family care that flexes to you. Your team can trust our highly trained and vetted Papa Pals anytime and anywhere a little help could go a long way. Family care that flexes to you. Your team can trust our highly trained and vetted Papa Pals anytime and anywhere a little help could go a long way. Papa for Employers Papa offers flexible family care to assist employees with caring for aging or ill loved ones, children, or themselves. Our curated national network of Papa Pals lighten the second (or third) shift load, and help you attract and retain happy, healthy, and productive employees.

Backup care and assistance with homework, snacks, meals and playtime. Backup care and assistance with homework, snacks, meals and playtime.

Help with errands, light house work, or pets. Help with errands, light house work, or pets.

Companionship, transportation, and more for aging or ill loved ones near and far. Companionship, transportation, and more for aging or ill loved ones near and far.

57% of caregivers report significant levels of stress, anxiety, or depression.1 57% of caregivers report significant levels of stress, anxiety, or depression.1

73% of employees have some type of current caregiving responsibility.2

80% of caregivers feel their work is affected by their responsibilities. 2

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1 BlueCross BlueShield 2 Harvard Business School

papa.com

Need a friendly face for your faraway parent? Have a pet with a passion for walks? Tired of scrambling for backup child care? Need a friendly face for your faraway parent? Have a pet with a passion for walks? Tired of scrambling for backup child care?

Friendly help when, where, and how it’s needed. Real humans, accessible through an easy app. Friendly help when, where, and how it’s needed. Real humans, accessible through an easy app.

With Allstate Benefits, your employees have access to 10 hours of help. With Allstate Benefits, your employees have access to 10 hours of help.

Employee feedback and data drive continuous enhancements.

Employees sign up through our app or by phone.

Employee feedback and data drive continuous enhancements.

Employees sign up through our app or by phone.

We match them with Papa Pals, based on their needs.

Discover why leading employers partner with Papa to increase productivity, enhance well-being, and support a changing workforce. Discover why leading employers partner with Papa to increase productivity, enhance well-being, and support a changing workforce.

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papa.com

Over 7.9 billion personal records were exposed in the first half of 2019 1 Allstate Identity Protection helps millions of workers see, manage and protect their personal information online. Critical corporate security, consistent support Research shows that 34% of data breaches start internally 2 , so providing comprehensive identity protection is key for safeguarding the security of both a company and its employees. Offering Allstate Identity Protection shows that a company cares about its employees, reputation, and assets. Employees want it, employers need it Identity protection was voted the number one voluntary benefit in 2018 3 and an estimated 63% of employers will offer it as a benefit by 2021. 4 People are seeking protection and expertise — and we help employers provide it through employer-paid or voluntary Allstate Identity Protection benefits. Top protection, continuous innovation We provide a powerful new approach to online privacy, with unique tools like our Allstate Digital Footprint™ — available with Allstate Identity Protection’s Pro P lus plan — and enhanced social media monitoring. Participants can look after their online activity, from financial transactions to what they share on social media, so they can protect the trail of data they leave behind. Easy implementation, seamless integration With more than 180 platform integrations and 13 years of refining implementation, we’ve made onboarding simple for all our new clients. Our 98% implementation satisfaction score proves it. Each new client has a dedicated implementation team who remains with them through the entire process. It’s why so many of our clients say we’re the easiest benefit provider to work with.

Discover a powerful new approach to online privacy. Allstate Identity Protection enables participants to:

See their personal data

Manage it with real-time alerts Protect their identity and finances from fraud

For more information or to schedule a demo: C: 706.326.7308 ybiber@infoarmor.com Yelena Biber

8 

Allstate Identity Protection Pro plan provides:

Allstate Identity Protection Pro Plus plan also provides: Allstate Digital Footprint™ Tri-bureau credit monitoring Annual tri-bureau report and score Credit freeze assistance Credit lock (adults & minors) IP address monitoring Enhanced social media monitoring

Identity Monitoring

Credit

High-risk transaction monitoring Social media monitoring Sex offender alerts Credit and debit card monitoring Bank account transaction monitoring 401(k) and HSA account monitoring Financial transaction monitoring Digital exposure reports Dark web monitoring Compromised credentials Data breach notifications Protection for family (everyone “under roof, under wallet”)

TransUnion credit monitoring Credit score tracking

Remediation

Full-service, 24/7 remediation support $1M insurance policy † Stolen funds reimbursement † Tap-to-call from mobile app

Social account takeover Tax fraud refund advance † $1M 401(k)/HSA reimbursement †

Employer paid pricing

Employee paid pricing

Pro

Pro Plus

Allstate Identity Protection

Allstate Identity Protection Pro Plus

per person / month

per family / month

per person / month

per family / month

# of employees

$9.95 per person / month $17.95 per family / month

< 250

$5.25

$7.25

< 250

$3.25

$5.25

251-1,000

$4.75

$6.75

251-1,000

$2.75

$4.75

Allstate Identity Protection Pro

1,001-5,000

$4.25

$6.25

1,001-5,000

$2.25

$4.25

$7.95 per person / month $13.95 per family / month

5,001-10,000

$3.75

$5.75

5,001-10,000

$1.75

$3.75

10,001 -100,000

$ 1.50

$ 3.50

$3. 50

$5. 50

Family buy-up rate*

$11.95/month

Family buy-up rate*

$9.95/month

*Paid by employee

†Identity theft insurance underwritten by insurance company subsidiaries or affiliates of Assurant. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Sources: 1: CNET, “2019 Data Breach Hall of Shame: These were the biggest data breaches of the year”, December 2019 2: Society for Human Resource Management, “Identity Theft at Work: How to Protect Yourself and Employees,” 2015 3: BenefitsPro, “On Trend: 9 Top Voluntary Benefits for 2018,” 2018 4: The Willis Towers Watson 2018 Emerging Trends: Voluntary Benefits and Services Survey, 2018

9 

10 

Allstate Identity Protection Presents

Why employers should care when employees have their identities stolen

11 

Employers often play a role in employee identity theft

One of the many reasons employers should care about identity theft is that they often directly contribute to their employee’s identity being stolen, despite the best of efforts. In fact, employers are often the biggest culprit in breaching individual privacy. This is largely because state and federal laws require employers to maintain a tremendous amount of personal information on every employee, from Social Security numbers to addresses.

In most instances, cybercriminals are able to steal every employee’s personal data in a single attack

33% of phishing attacks come from emails designed to appear as though they are coming directly from the CEO of an organization 8

Identity theft is often perpetrated by fellow employees and sometimes even managers and executives

As much as 50% of identity theft originates in the workplace 9

12 

Identity theft costs Identity theft costs

In addition to the moral obligation an employer has to help protect their employees’ identities, they also have a financial one. When employees have their identities stolen, companies can pay big. In addition to the moral obligation an employer has to help protect their employees’ identities, they also have a financial one. When employees have their identities stolen, companies can pay big.

An employer can also expect employees who are victims of identity theft to miss a significant amount of work. The average amount of time required to resolve the repercussions of identity theft can take up to 200 hours — or approximately six months — per person 13 Gallup’s annual State of the American Workplace 2017 report found companies with low levels of engagement, when compared to companies with high levels of engagement, experience: 14 compared to companies with high levels of engagement, experience: 14 20% lower sales 17% less productivity from identity theft 21% lower profitability 20% lower sales 17% less productivity from identity theft 21% lower profitability Between 24% - 59% higher turnover 70% more employee safety incidents Between 24% - 59% higher turnover 70% more employee safety incidents An employer can also expect employees who are victims of identity theft to miss a significant amount of work. The average amount of time required to resolve the repercussions of identity theft can take up to 200 hours — or approximately six months — per person 13 Gallup’s annual State of the American Workplace 2017 report found companies with low levels of engagement, when

Courts are increasingly holding employers liable for the loss of their employees’ confidential information, even in the absence of a specific law requiring them to protect such data 35% of companies said identity theft- related attacks led to the loss of productivity and another 8% said the attacks damaged their company’s reputation 10 When employees have their identities stolen, they can become easily distracted at work due to the tremendous financial and legal burden placed on them: When employees have their identities stolen, they can become easily distracted at work due to the tremendous financial and legal burden placed on them: 32% of victims said identity theft caused problems for them at their place of work 11 More than 77% reported increased stress levels and nearly 64% said they had trouble concentrating at work and home 11 32% of victims said identity theft caused problems for them at their place of work 11 More than 77% reported increased stress levels and nearly 64% said they had trouble concentrating at work and home 11 It can cost your employees around $13,000 out of pocket to resolve issues stemming from medical identity theft 12 It can cost your employees around $13,000 out of pocket to resolve issues stemming from medical identity theft 12 Courts are increasingly holding employers liable for the loss of their employees’ confidential information, even in the absence of a specific law requiring them to protect such data 35% of companies said identity theft- related attacks led to the loss of productivity and another 8% said the attacks damaged their company’s reputation 10

13 

We’re here to help you protect your employees

Research by Willis Towers Watson found that 36% of employers currently offer identity protection as a voluntary benefit and 63% of employers plan to extend it by 2021, making identity theft protection one of the fastest-growing benefits offered to employees today. 15 And, with a number of solutions on the market, it’s imperative you select a plan that goes far above and beyond traditional credit monitoring services. Make sure the plan you select contains the following features, all of which come standard with Allstate Identity Protection:

A powerful and easy way for employees to see online accounts and identify potential breaches with the Allstate Digital Footprint SM Proactive alerts that notify on applications for credit cards, wireless carriers, utility accounts, and non- credit accounts The monitoring of high-risk identity activity such as password resets, fund transfers, unauthorized account access, compromised credentials, address changes, and public record alerts

Tools to assist in monitoring and preserving your online reputation across social networks

A dedicated advocate to guide and manage your employee’s full recovery process, restoring credit, identity, accounts, finances, and their sense of security, in the event identity theft does occur A $1,000,000 Identity Theft Insurance Policy † to cover lost wages, legal fees, medical records request fees, CPA fees, child care and more

15 

Better benefits. Total transparency. Allstate ® managed.

freshing

This changes everything. As a company with thousands of employees, the insurance game has changed. BeneRē is revolutionizing supplemental benefit programs with better benefits and total transparency, including: Accident Critical Illness Hospital Indemnity

The Challenge

40 % of Americans get unexpected medical bills

78 % of Americans that filed for personal bankruptcy due to medical bills had health insurance

69 % of Americans do not have enough money to cover a $1,000 emergency expense

When it comes to supplemental insurance coverages, many organizations experience: Reduced employee engagement due to unclear coverage value propositions Low claims ratios because of high expenses and unaffordable coverage options Little to no transparency for employers regarding claims and expenses making fiduciary stewardship difficult

BeneRē: The Game-Changing Difference 15 % average employee cost decrease

100 % of employees receive better plan designs

The BeneRē group captive model offers benefits that include: Better coverage, lower premiums that allow employees to get greater coverage for less Full transparency regarding claims and expenses and with clearly identifiable value No risk or extra costs for employers to participate Potential year-end dividends to be invested in additional employee benefits programs

$20,000 average annual member distribution per 1,000 employees

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kyle.frigon@benere.us | (404) 731-0608

Cigna

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Lockton Companies | 17

The NEW coverage employees didn’t know they needed.

Introducing the Critical Illness MSK/MSK Plus benet from Cigna Healthcare Supplemental Health Solutions.

We are pleased to oer our NEW Musculoskeletal (MSK) benet. This benefit is available on our Critical Illness insurance plans and provides coverage to employees and their covered family members if they become hospitalized for a specified chronic condition — including musculoskeletal (MSK) conditions, endocrine disorders, heart/vascular conditions and respiratory disorders.

Chronic conditions do more than impact health; they’re also a top driver of health care use and cost. In fact, individuals with chronic conditions tend to have lower vitality compared to those without chronic conditions — and the trend becomes more significant as the number of conditions increases. 1

How the MSK benet works:

Pays a $3,000 cash benet directly to the employee or covered family member, one time per year (100% eligible employee, 50% spouse and child) Expands your Critical Illness policy by including hospitalization for more severe conditions with higher, ongoing and recurring costs

Diagnosis and treatment are generally covered by traditional medical plans. But if your employees face unexpected hospitalizations due to MSK or other chronic conditions, they can also experience stress and disruptions, as well as additional costs.

YOUR NEW GROWTH PLAN Distributed by: Operating subsidiaries of Cigna Corporation. Insurance benefits are underwritten by Cigna Health and Life Insurance Company.

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976303 05/23

An unexpected hospitalization due to a chronic condition can be stressful and costly. That’s why the new MSK benefit provides a cash payout directly to your employees 5 . They can use the money however they like — from medical costs to transportation, child care, groceries and even alternative treatments. Cigna Healthcare SM provides your employees with the support and resources they need, so they can regain control and remain in control. That’s good for them, and for your bottom line.

MSK conditions can cost your employees and your organization.

50% of American workers suffer from an MSK condition 2

Choose from two available options:

When it comes to disability, MSK conditions are the top contributor 3

OPTION 1: MSK Only • Alignment with our Pathwell Bone and Joint Program for a more comprehensive support solution

• Includes conditions such as: cervicalgia (neck pain), intervertebral disc disorders, gout, lumbago (back pain), osteoarthritis, rheumatoid arthritis, scoliosis, spinal stenosis, spondyloarthropathy (spinal arthritis), spondylopathy (vertebral spine disease) OPTION 2 : MSK Plus • Includes MSK, plus endocrine, vascular and respiratory conditions • Alignment with the Your Health First Program from Cigna Healthcare

$781 billion spent on MSKs annually, making them the costliest conditions in the U.S. 2

Nearly 2/3 of plan spending on MSK conditions due to pain from wear and tear 4

To learn more about the new MSK benefit, contact your Cigna Healthcare sales representative or broker today.

YOUR NEW GROWTH PLAN 1. Evernorth Health Services. “Vitality: The New Measure of Health.” 2022. 2. Kruel, Brent. Bio Functional Health Solutions, “The 3 Reasons Why Addressing MSK Conditions in Your Employees Should be your Number 1 Priority: Cost, Quality, and Access to MSK Care is Devastating the U.S. Workforce.” https://biofunctionalhealth.com/blog/the-3-reasons-why-msks-are-devastating-us-workforce/. July 2021. 3. Cleveland Clinic, “Cleveland Clinic Researchers Raise Awareness of Disparity and Call for Change.” https://consultqd.clevelandclinic.org/musculoskeletal-disease-causes-most-disability-

healthcare-spending-in-u-s-but-gets-less-than-2-of-nih-research-funds/. December 2022. 4. Evernorth Research Institute. “Americans in Motion.” Improving Outcomes Series. August 2022. 5. Benefits may be paid directly to anyone you designate, such as a hospital, upon assignment. EXCLUSIONS AND LIMITATIONS

THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. Product availability may vary by location and plan type and is subject to change. All group insurance policies may contain exclusions, limitations, reduction in benefits, and terms under which the policy may be continued in force or discontinued. For costs and details of coverage, contact your Cigna Healthcare representative. Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group. 976303 05/23 © 2023 Cigna Healthcare. Some content may be provided under license.

19 

THE ALLEGIANCE DIFFERENCE A New Future in Employee Benefits

www.askallegiance.com 2806 S. Garfield St. | P.O. Box 3018 | Missoula, MT 59806

20 

The Allegiance Difference With over 35 years of experience, Allegiance has earned a reputation for quality, service and efficiency that is unmatched. Through our proactive cost management strategies, trend management, leading technology and strong provider relationships, Allegiance paves the way for a new future in employee benefits.

Our Capabilities

Flexible Administration Cost-effective administrative solutions for unique plan design, benefit and service customization, and high-touch client and customer service.

Cost Management Effectively manage costs through bundled payments, contracted healthcare providers, reference-based pricing and patient centered medical homes (PCMH).

Unbundled Products

Cigna’s best network discounts and pharmacy programs can integrate with products from a portfolio of carriers and vendors (stop loss, PBM, health and wellness, etc.).

Customized Network Design

Robust Reporting

Comprehensive management and repricing of Client Specific Networks (CSNs) and tiered network options with network contract approval on a case-by-case basis.

Online access to standard and custom reports through Allegiance’s business intelligence tool, national benchmarking, tracking of gaps in care, provider performance monitoring and predictive analytics.

21 

www.askallegiance.com

Working with Allegiance

Your membership will be supported by dedicated customer service advocates and claims examiners who:

~ Know and understand your plan ~ Deliver customized greetings ~ Provide fast access and call resolution the first time a member calls

~ Assist members with understanding their benefits and answer claim questions ~ Help find in-network doctors and facilities ~ Warm transfer to clinical and other resources as appropriate

Our Account Service Model

Billing

Account Executive

COB

Client Account Specialist

Cobra

Vice President, Client Service & Sales

Enrollment

Overall Account Responsibility & Financials

Reimbursement Accounts

Designated Specialists

Service Team Management

Chief Medical Officer

Clinical & Analytics Team

Service Team & Onsite Specialist

Care Management

Senior Vice President, Clinical Operations and Analytics

Dedicated Service Team 18-21 Team members & Team Leader Vice President, Health Service Operations

Clinical Client Liaison

President Allegiance Executive Sponsor

22 

www.askallegiance.com

Working with Allegiance Working with Allegiance

Integrated Customer Service The Allegiance customer service team is committed to providing the best possible experience for you and your employees. We consistently monitor and coach our team to ensure that each inquiry is greeted by a knowledgeable and caring specialist, all while providing a simple, seamless interaction for the member. Integrated Customer Service The Allegiance customer service team is committed to providing the best possible experience for you and your employees. We consistently monitor and coach our team to ensure that each inquiry is greeted by a knowledgeable and caring specialist, all while providing a simple, seamless interaction for the member.

Uniquely designed for those who require a high-touch model Dedicated Team Pod Structure Uniquely designed for those who require a high-touch model Dedicated Team Pod Structure

18-25 Dedicated Specialists 18-25 Dedicated Specialists

9 Customer Service Specialists 8 Dedicated Claims Examiners 4 Dedicated Enrollment Spec. 9 Customer Service Specialists 8 Dedicated Claims Examiners 4 Dedicated Enrollment Spec.

2 Clinical Liaisons (RN’s) 2 Clinical Liaisons (RN’s)

30,000 to 35,000 members 1 to 15 clients 30,000 to 35,000 members 1 to 15 clients

Intercept in real time and transfer to Clinical Liaisons Intercept in real time and transfer to Clinical Liaisons

Đ Concierge Client & Customer Model Đ Concierge Client & Customer Model

Warm transfers - no disruption for membership Warm transfers - no disruption for membership

Đ Dedicated Service Center Đ Dedicated Service Center

Customer Satisfaction 99 % Customer Satisfaction 99 %

First Call Resolution 93.6 % First Call Resolution 93.6 %

of Clean Claims processed within 10 calendar days 95.4 % of Clean Claims processed within 10 calendar days 95.4 %

Financial Accuracy 99 %+ Financial Accuracy 99 %+

Payment Accuracy 99 %+ Payment Accuracy 99 %+

23 

4 4

www.askallegiance.com www.askallegiance.com

Working with Allegiance

Implementation

We understand that transitioning administrators can be stressful and time-consuming, so we have developed a streamlined process to make implementation easier.

Dedicated Implementation Team Your Account Executive is with you throughout the process, ensuring all implementation items are thoroughly addressed and that the day-to-day administration team is on board from day one.

Representatives from: ~ Claims Processing ~ Customer Service ~ Eligibility ~ Pharmacy ~ Medical Management ~ Compliance

Guided by: ~ Implementation Manager

Executive Manager: ~ Implementation Specialist ~ VP, Client Service

Kick-off Call and Implementation Checklist – We work with you and your consultant to collect basic information about your plan.

Ongoing Implementation Calls – Our Implementation team will collaborate with your staff to determine an appropriate call schedule, i.e. weekly, bi-weekly, monthly.

Open Enrollment Support – Your dedicated Customer Service team is available during Open Enrollment to fi answer questions regarding eligibility and enrollment, bene ts, web services, provider networks, and more. – Customized Welcome Booklets are distributed to introduce your members to Allegiance. – We provide on-site assistance for up to two consecutive days of Open Enrollment Meetings.

24 

www.askallegiance.com

Healthcare Tools Designed for the Way You Work

Member Tools At Allegiance, we understand the importance of employee engagement. That’s why our member tools work to put benefits and claims information at your employees’ fingertips. The Ask Allegiance website offers personalized services at the click of a mouse, or on your mobile device, to provide 24- hour access to plan information. From managing EOBs and reviewing benefit coverage, to viewing enrollment and provider information, all within a single sign on, accessing benefits information has never been easier.

www.askallegiance.com

EOBs & Claims Status

Enrollment

Provider Search

Single Sign-On

Pharmacy

Wellness

Disease Management

25 

www.askallegiance.com

Allegiance provides you with access to your own suite of powerful reporting and enrollment resources to help manage your employees’ health plans. Through the Ask Allegiance website, you can view enrollment information, valuable reporting insights, predictive modeling, among other benefits. All of these features help you keep abreast of your organization’s healthcare plan to monitor usage and ensure you keep benefits valuable to members. Employer Tools

Enrollment

Plan Analytics

Reporting

26 

www.askallegiance.com

Allegiance’s integrated Case/Utilization Management programs leverage early intervention and acute case management to effectively coordinate and manage your group’s most medically challenging cases. These interventions utilize unique resources for creative approaches to maximize appropriate, cost-effective care. Dedicated case managers interact with members and their families, maintaining an ongoing relationship with the patient. Case & Utilization Management

Medical Risk Management Team A Fully Integrated, Multidisciplinary Approach to Managing the Cost of Healthcare Risk

Predictive Modeling Uses patterns in data to estimate the probability of a future financial or health outcome

CLIENT CASE MANAGEMENT

Trigger Diagnosis A clinical diagnosis, event, or behavior that presents an opportunity for case management intervention.

Stop Loss Reporting Reveals trends in health claims that can be used to proactively manage costs.

CARE & CLAIMS MANAGEMENT

Customer Service One-on-one support allows team to screen for likelihood of high-risk advancement.

COST & CARE MANAGEMENT

Self Identification Member communicates a need for support with a self-identified medical issue or behavior.

Cases are continually monitored to ensure quality and appropriateness of care.

27 

www.askallegiance.com

Program Highlights

~ We provide a team of registered nurses that conduct assessments on complex cases utilizing Milliman Care Guidelines (MCG) to assess the medical appropriateness of inpatient admissions. Outcomes are benchmarked against MCG Health days per 1000 and average length of stay criteria to certify treatments. ~ Continued collaboration throughout the member’s treatment, including ongoing assessments of the interventions related to the plan of care, ensures that all members receive the right care at the right time to achieve the best possible outcomes. This integrated care management approach allows for the automatic trigger of a patient identified as high-risk by the utilization nurse to case management. Peer to peer reviews are conducted by the Medical Director as appropriate. Daily call-outs are made based upon last date credited. ~ Our interdisciplinary Risk Management Team works together to coordinate and communicate all issues surrounding our clients’ high-risk cases. Our fully integrated team approach eases the burden of healthcare expenses for employer groups while ensuring plan members receive optimum care. ~ The Precertification Program also includes the review and assessment of the medical appropriateness of admissions for inpatient, partial hospital, inpatient rehabilitation, residential treatment and subacute care. This review may be a prospective, concurrent or retrospective review.

More appropriate utilization

Better outcomes

Higher engagement

93%

3.3% 7.6% 6.7%

10%

reduction in inpatient length of stay

fewer

readmissions

identified members receive complex case management outreach

3.4% 3.2%

reduction in avoidable admissions

reduction

in medical costs

86%

reduction

reduction in costs for outpatient services

of high cost individuals engaged with case management

in ER utilization

28 

www.askallegiance.com

2806 S. Garfield St. | P.O. Box 3018 | Missoula, MT 59806

29 

www.askallegiance.com

Comprehensive, personalized support for lasting behavioral change Cigna Total Behavioral Health ® Comprehensive, personalized support for lasting behavioral change Cigna Total Behavioral Health ®

Americans need behavioral health support now more than ever. Consider this:

60% of people who suffer

49% of financially-stressed employees experience a major hit to their mental health 2 49% of financially-stressed employees experience a major hit to their mental health 2

50% of U.S. adults in full time employment have reported leaving roles for mental health reasons, up from 34% in 2019 3 50% of U.S. adults in full time employment have reported leaving roles for

83% of employees experience work-related stress. 4

Americans need behavioral health support now more than ever. Consider this:

from behavioral conditions don’t get care 1

60% of people who suffer

83% of employees experience work-related stress. 4

from behavioral conditions don’t get care 1

mental health reasons, up from 34% in 2019 3

The Cigna Total Behavioral Health solution helps you manage health issues in your workforce before they become more serious. We do this through a combination of behavioral, wellness and pharmacy components. We identify and engage individuals with behavioral health issues, as well as those with undiagnosed and untreated needs. This is in light of a study 5 that showed one third of individuals with medical conditions also have a behavioral health condition, which may never be treated. We identify and engage individuals with behavioral health issues, as well as those with undiagnosed and untreated needs. This is in light of a study 5 that showed one third of individuals with medical conditions also have a behavioral health condition, which may never be treated. Our comprehensive approach helps improve whole health and your bottom line. Our comprehensive approach helps improve whole health and your bottom line. The Cigna Total Behavioral Health solution helps you manage health issues in your workforce before they become more serious. We do this through a combination of behavioral, wellness and pharmacy components.

With Cigna Total Behavioral Health, you get: • Evidence-based clinical programs and services focused on reducing the negative impact of behavioral issues. • A personalized customer experience to support individuals and their families. • Emotional well-being programs and tools: – Services to help manage life events include three face-to-face visits 6 with a licensed mental health professional in our Employee Assistance Program 7 – Services to help manage life events include three face-to-face visits 6 with a licensed mental health professional in our Employee Assistance Program 7 network. Live chat with an Employee Assistance Program consultant, unlimited telephonic counseling and access to work-life resources are included. Customers have access to legal services, financial services and identity theft support. On-demand online and access to work-life resources are included. Customers have access to legal services, financial services and identity theft support. On-demand online seminars as well as convenience services such as referrals for child care, eldercare, adoption, home repair and more are included. seminars as well as convenience services such as referrals for child care, eldercare, adoption, home repair and more are included. With Cigna Total Behavioral Health, you get: • Evidence-based clinical programs and services focused on reducing the negative impact of behavioral issues. • A personalized customer experience to support individuals and their families. • Emotional well-being programs and tools: network. Live chat with an Employee Assistance Program consultant, unlimited telephonic counseling

We connect whole health to support the whole person. We connect whole health to support the whole person.

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Offered by Cigna Health and Life Insurance Company. 920666 d 06/23 Offered by Cigna Health and Life Insurance Company. 920666 d 06/23

• A guided approach that makes it simple to access in-network facilities and providers to help ensure customers are achieving better and more cost- efficient outcomes. This is key, as using out of network providers results in 33% longer length of treatment and two and a half times higher cost. 12 • Helps offer peace of mind regarding claim risk, as we fund covered in-network behavioral claims. This includes behavioral services for all mental health and substance use disorder diagnoses, including Applied Behavior Analysis (ABA) for the treatment of Autism. A Cigna Healthcare study showed the average annual cost of ABA per customer is $61,000 and potential annual cost of ABA per customer is $621,000. 13 • myCigna ® includes guided navigation which provides customers with real-time, personalized options based on their acuity level and available digital, virtual and in-person programs and services. • Enhanced ways to Access Care 14 including provider search and match support, in the moment appointment scheduling, and new online scheduling options. • Unlimited In the Moment Consultations lasting 45-60 minutes. 14 • Clinical Navigator assigned to each individual with more intense needs. 14 • 100% follow up digitally or telephonically to ensure customer needs are met. 14 • Tools to manage out-of-network substance use treatment and costs. Includes predictive identification, customer education and Centers of Excellence (COE) for Substance Use. Out-of-network facilities cost 293%, or $21,064 more than COE facilities and Out-of-network facilities have a 66% higher readmit rate than COEs. Results may vary. 15 • Our Centers of Excellence 16 program identifies in-network behavioral facilities that have earned a top ranking based on our measures of patient outcomes and cost-efficiency. With locations nationwide, our program includes Centers of Excellence for Adult Mental Health, Child and Adolescent Mental Health, Eating Disorders and Substance Use. • Online resources available on Cigna.com ® and myCigna.com provide easy access to behavioral awareness series information, articles, podcasts and the provider directory. You can also visit the employer section of our pain resource hub on Cigna.com, which outlines strategies designed to help reduce the impact of opioid use in your workplace.

– Happify 8 offered through Cigna Healthcare SM — Provides digital self-directed tool designed to help employees build resilience and reduce stress. With more than 70 tracks on topics, such as conquering negative thoughts, improving relationships and boosting self- esteem, Happify offers science-based activities, games and guided meditations that help employees build resilience and improve emotional health. – iPrevail 8 offered through Cigna Healthcare — Provides on-demand peer coaching and personalized learning plans based on established cognitive behavioral therapies. Individuals use a chat function to pair with a trained peer specialist who has faced challenges of their own with depression, substance use and other behavioral challenges. Individuals engage with peer coaches or work through learning lessons and activities on their own. iPrevail also includes a caregiver support program designed to help customers cope with stress, improve resiliency and enhance their overall health and well-being. • More than 45 years of experience delivering behavioral health programs designed to prevent relapse and hospital readmission. A study showed our in-network facilities have 18% less readmissions and cost less than half as much as out of network facilities. 9 • A large, national network of behavioral health care providers. Includes national virtual network, online scheduling and text messaging. Fast Access network guarantees appointment scheduling in five business days. 10 Appointment scheduling assistance provided. • First-time appointment in two days or less through provider partners — Alma, Bicycle Health, Brightside, Meru Health and Path. • 24/7/365 crisis and emergency support for your employees. • Customer advocacy ensures every customer who calls or chats with us is contacted to confirm their needs have been met. • Predictive analytics help get ahead of customer needs before they become acute by navigating to affordable, convenient digital, coaching and virtual care options. • Predictive models help identify high-risk customers who can benefit from additional support, education and help finding in-network providers. • Ginger behavioral health coaching via text-based chats, self-guided learning activities and content, and, if needed, video-based therapy and psychiatry. 8,11 • A care coaching model that is designed to empower sustainable behavior change and lead to lasting results.

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$148 per member per year medical cost savings when you connect Medical, Behavioral and Pharmacy benefits 17

Cigna Total Behavioral Health’s integrated design helps drive better health, outcomes and savings. With comprehensive and personalized support every step of the way Cigna Total Behavioral Health creates more opportunities to proactively engage customers in the right treatment and coaching, at the right time. Increasing the use of these important services helps drive improved health, lower utilization and lower costs. Inpatient case management Support for those needing hospitalization for mental illness or substance use treatment, including detoxification and residential treatment. Case managers work with the individual, their family and outpatient professionals to coordinate services and help ensure safe and effective treatment upon discharge. Outpatient case management Dedicated outpatient support for those leaving the hospital, including partial hospitalization and intensive outpatient treatment. Outreach to individuals and health care providers to provide education, appointment reminders and follow-ups on medication compliance. Plus, there is no prior authorization required for routine care. Intensive behavioral case management For individuals with complex mental health or substance use conditions who are at high risk for readmission. Dedicated case managers reach out to support individuals as often as necessary. They act as liaisons to patient and family after discharge. Gaps in care Proprietary screening model used to review all claims. Identifies evidence-based behavioral gaps in care. Enables targeted outreach and intervention.

Specialty coaching and support services Our Coaching and Support services provide dedicated support for a broad range of conditions including autism, eating disorders, intensive behavioral case management, substance use and opioid and pain management. We also provide coaching and support for parents and families, which empowers individuals to be to be effective advocates for their child, spouse, or family member-or their own mental health needs. Our dedicated behavioral coaches and case managers support your employees — and their families. Our team uses a multidisciplinary approach to help ensure treatment is effective and appropriate. They coordinate with health care professionals and refer to our pharmacy and wellness programs. They also help overcome barriers to treatment and promote engagement through education and referrals to local support groups and seminars. Our Coaching and Support services include a digital interface through Vela 8 to supplement coaching. Coaches help customers acquire the app which enables secure two-way messaging, as well as the ability to share resources and support specific to customer needs. Appointment tracking on a shared calendar is also featured. Free Veteran Support Line — Helps veterans with a wide range of needs such as pain and stress management resources, including Mindfulness for Vets program, as well as counseling for substance use and opioids, financial and legal assistance, and parenting and child care. First responders — Our teams are trained to address the unique challenges and concerns of first responders and their families. We provide education on the confidentiality of our programs, virtual behavioral services and online resources tailored to the first responder’s needs.

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Lifestyle management We include a bundle of three lifestyle management programs to help customers quit tobacco, lose weight and manage stress. Customers can choose telephonic or online coaching, or both. They work with a dedicated wellness coach to help understand reasons for and barriers to change. Our studies show the programs improve health.

Autism spectrum disorders 18

• 70% lower medical inpatient costs per participant per year • 47% lower emergency room utilization

Eating disorders program 19

• $2,274 lower total medical costs per participant per year

Substance use disorder program 20

• $4,080 lower out-of-network costs per participant per year • $888 lower emergency room costs per participant per year

Intensive Behavioral Case Management 21

• $2,523 behavioral cost savings per participant per year • 22% increase in anti-psychotic medication adherence per participant per year • 20% greater reduction in behavioral inpatient days per participant per year

Parents and Families Program 22

• $3,305 behavioral cost savings per participant post 6 months • 18% decrease in costs for behavioral residential care while customers who were not engaged experience a 29% increase in costs for behavioral residential care

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Cognitive behavioral modification Support for those who suffer from physical ailments with no clear treatment path, such as chronic pain and migraines. Through one-on-one coaching and support groups, members learn to manage their symptoms to feel better physically and emotionally. • 98% felt the program was useful 23 • 75% of program participants reported improved physical health • 85% of program participants reported improved emotional health Complex psychiatric case management Gives physicians and psychiatrists a solution to help patients taking multiple psychotropic drugs. Helps foster appropriate levels of care and adherence to drug therapies to optimize treatment regimens and help decrease potential emergency room visits or hospitalizations. Narcotics therapy management Uses comprehensive medical information to identify and address potential inappropriate use of narcotics and other controlled substances. Encourages better management of pain by offering tools and resources, and addressing fraud and abuse. Better health, better bottom line With Cigna Total Behavioral Health, we help our customers improve their health, optimize productivity and lower overall costs. We do this with a whole-person approach to health — mind and body. We manage health issues proactively through a combination of wellness, medical and pharmacy components.

We offer a 1.5% reduction in medical, pharmacy and behavioral claim costs in year one when you add Cigna Total Behavioral Health to your new or existing medical plan.

Not available in all states. Some restrictions apply. Contact your Cigna Healthcare representative for details.

To learn more about our comprehensive offering, contact your Cigna Healthcare sales representative.

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1. Harvard Medical School. “Mental Illnesses are Common, but Care is Lacking.” Nov. 2019. 2. PwC Employee Financial Wellness Survey, Feb. 2022. 3. Harvard Business Review. “It’s a New Era for Mental Health at Work.” Oct. 2021. 4. The American Institute of Stress. “42 Worrying Workplace Stress Statistics.” Sept. 2019. 5. Behavioral Health Insights, Cigna Healthcare Book of Business claims data 01/1/22 through 12/21/22 for customers/clients who purchased behavioral and medical through Cigna Healthcare. Adults only. 6. Three face-to-face visits per issue per year. Restrictions apply to fully insured business sitused in New York. 7. Employee assistance program services are in addition to, not instead of, your health plan benefits. These services are separate from your health plan benefits and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any discounted legal and/or financial services. Legal consultations related to employment matters are excluded. Additional restrictions may apply. Program availability may vary by plan type and location, and are not available where prohibited by law. 8. Program services are provided by independent companies/entities and not by Cigna Healthcare. Programs and services are subject to all applicable program terms and conditions. Program availability is subject to change. These programs do not provide medical advice and are not a substitute for proper medical care provided by a physician. Information provided should not be used for self-diagnosis. Always consult with your physician for appropriate medical advice. References to third-party organizations and/or their products, processes or services, doesn’t mean Cigna Healthcare endorses them. 9. Cigna Behavioral Insights, 2019 National book of business study compared inpatient and outpatient readmission and cost per admission claims data. Results may vary. 10. Per our agreement with contracted providers. Within 5 business days for first time appointment with non- prescriber; 15 business days for prescriber. 11. Cigna Healthcare provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan’s network and may not be available in all areas or under all plans. Referrals are not required. Video may not be available in all areas or with all providers. Refer to plan documents for complete description of virtual care services and costs. 12. Cigna Behavioral Insights, 2019 Health Care Practitioner Efficiency Analysis, Retrospective Claims Analysis of Behavioral Health Professional claims matched by age and licensure level. National study compared claims data for outpatient services not subject to utilization management. 13. 2021 Cigna Healthcare Book of Business Claims Study Results may vary. 14. Available 1/1/24. 15. Cigna Healthcare 2021 Book of Business claims study. Costs refer to allowed amounts, 30-day calendar readmissions, an industry metric.

16. The Cigna Center of Excellence designation is a partial assessment of quality and cost-efficiency and should not be the only basis for decision-making (as such measures have a risk of error). Individuals are encouraged to consider all relevant factors and talk with their physician about selecting a health care facility. Quality designations and ratings found in Cigna Healthcare online provider directories are not a guarantee of the quality of care that will be provided to individual patients. Providers are solely responsible for any treatment provided and are not agents of Cigna Healthcare. 17. Cigna 2022 National Book of Business study of medical customers who have Cigna integrated medical, pharmacy and total behavioral health benefits vs. those with Cigna medical, basic behavioral, and carved-out pharmacy. Individual results will vary; not guaranteed. Average annual per member per year (PMPY). 18. Cigna Healthcare Analytics, Autism Specialty Program Evaluation, 2020. Results may vary. 19. Cigna Healthcare Analytics, Eating Disorder Specialty Program Evaluation, 2021. Results may vary. 20. Cigna Healthcare Analytics, Substance Use Specialty Program Evaluation, 2019. Results may vary. 21. Cigna Healthcare Analytics, Intensive Behavioral Case Management Program Evaluation, 2022. Results may vary. 22. Cigna Healthcare Analytics, Coaching & Support for Parents & Families Program Evaluation, 2022. Results may vary. 23. 2022 Cigna Healthcare CLIMB participant survey. Individual client/customer results will vary and are not guaranteed. The National Committee for Quality Assurance (NCQA) Managed Behavioral Health Organization Accreditation for Cigna Behavioral Health, Inc. applies to Commercial and Marketplace products and Cigna Behavioral Health CA accreditation applies to Commercial products. Full accreditation is a three-year accreditation and is national in scope. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and complete details of coverage, contact your Cigna Healthcare sales representative. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative. Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (CHLIC – domiciled in Bloomfield, CT), Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc. or its affiliates. Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP- POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

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