AultCare Self Funded Administrative Guide

Welcome to

Self

Administration Manual This administration manual is intended to provide guidance to you and your employees in the areas listed in the Table of Contents on the following page.

TABLE OF CONTENTS

1. Contact Information 2. Website Login 3. Enrollment Information 4. Explanation of Benefits and Appeals Process 5. Monthly Invoices and Month End Reports 6. Enrollee Questionnaires and Forms 7. SBC Guidelines 8. Miscellaneous

CONTACT INFORMATION

Sales and Retention Department Company representatives* should contact the Sales and Retention Department to request new enrollment packets and any other issues not listed below.

Phone: 330-363-6390 Fax: 330-454-7845

Service Center Company representatives and employees should contact the Service Center for questions regarding benefits that your plan covers or an outstanding claim. An AultCare Service Representative is available Monday through Friday 7:30 am to 5:00 pm.

Phone: 330-363-6360 or 800-344-8858 Fax: 330-438-9804

Billing Department Company representatives may contact the Billing Department with questions in regards to monthly invoices.

Phone: 330-363-6360 Fax: 330-363-5012

Member Services/Eligibility Department Company representatives may contact the Member Services/Eligibility Department with enrollment questions.

Phone: 330-363-6360 Fax: 330-363-7746 Email: aultcareeligibility@aultcare.com

Visit our website at www.aultcare.com *Company representatives are individuals authorized to request information on behalf of the company.

WEBSITE LOGIN

Attachment #1: Employer Account Registration Guide Attachment #2: File Retrieval Guide Attachment #3: Blue Button Website Information

AultCare

WEBSITE EMPLOYER GUIDE

Employer Account

REGISTRATION GUIDE Welcome Welcome to our AultCare family. Whether you are a new client, or have been with us for many years, we are proud to assist you managing your employer account.

We have created an area on www.aultcare.com designed just for you. You can use the online account to retrieve monthly reporting and invoices send us files, view your group’s eligibility, order ID cards, and more.

To get started, you and each authorized representative, must register for a secured, online account. Once you have created an online account, use this document to learn how to retrieve files from your online account.

If you have questions, you can contact your Account Coordinator, Account Executive, or for technical assistance, email the AultCare Web Team at AultConnect@AultCare.com.

Helpful links: • Frequently Asked Questions • Website How to Guides Thank you, Your AultCare Team

CREATING YOUR EMPLOYER LOGIN ON THE AULTCARE WEBSITE

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Open a web browser and go to www.aultcare.com

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Click Account Login in the upper right corner and select ‘Employer’ from the drop down menu.

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Then click on the “Register for a new account” link.

A U L T C A R E

E M P L O Y E R

A C C O U N T

R E G I S T R A T I O N

G U I D E

Select “Employers” as your “Membership Type” and click on the “SIGN UP NOW” button.

•

2

Select “Employers” as your “Membership Type” and click on the “SIGN UP NOW” button.

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1. Select “I Agree” to agree with the “Terms of service” outlined on this page.

2. By entering your name next to the “By” textbox, you are signing your signature.

Step # 1

Click onof“CONTINUE” button proceed.

You must agree with our “Terms Service” before youto can create an account with us.

1. Select “I Agree” to agree with the “Terms of service” outlined on this page.

2. By entering your name next to the “By” text-box, you are signing your signature.

Click on “CONTINUE” button to proceed.

A U L T C A R E

E M P L O Y E R

A C C O U N T

R E G I S T R A T I O N

G U I D E

Step # 2

Enter the following information     

Your first name Your middle initial Your last name A phone number where we can reach you The title of your position at your company

Click on “CONTINUE” button to proceed.

Step # 2

Enter the following information 6

•

First Name

•

Middle Initial

•

Last Name

•

A phone number where we can reach you

•

The title of your position at your company

Click on “CONTINUE” button to proceed.

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2. Enter the name of the person you know at AultCare; (e.g. Group Click on “CONTINUE” button to proceed.

STEP #3 1.

Enter the 9 digit Tax ID number of your company (without the dash) 2. Enter the name of your company 3. Enter the street address, city and state of your company

Adding Group Numbers 1. Enter the Group Number of your company 2. Click “Add” button M P L 3.

O Y EThe R AGroup C C O UNumber N T R E Gwill I S Tthen R A Tappear I O N Gin Ua I Dlist E box underneath 4. If you need to add more groups, repeat the steps he following information: in this section

for your account enter a username, the system will tell you if it is already taken or not. If the Optional is already taken, please choose and enter a different username.

If you already know someone at AultCare (e.g Account

Coordinator), you can help us expedite the verification for your account ord that you choose should consist of: process for your employer account by supplying the characters following ”optional” information: least one uppercase character and one lowercase character least1.one Enter number your phone number 2. Enter the name of the person you know at AultCare; (e.g., Group Account Coordinator)

l address er correct email address. We will use this email to communicate with you.

Click on “CONTINUE” button to proceed.

urity questions with answers ect your security questions carefully. We will ask you these questions if you forget name and/or password.

STEP # 4

Entertothe following information: UE” button proceed.

Username for your account When you enter a username, the system will tell you if it 8 is already taken or not. If the username is already taken, please choose and enter a different username.

Password for your account The password you choose should consist of: » 8 characters » At least one uppercase character and one lowercase character » At least one number Your email address Please enter your email address. We will use this email to communicate with you.

Three security questions with answers Please select your security questions carefully. We will ask you these questions if you forget your username and/or password.

Click on “CONTINUE” button to proceed.

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Step # 5 1.

Reason for requesting access Select your reason(s) for requesting access. You can select more than one reason.

2. SFTP IP Addresses If you will be using secure FTP transfer in addition to our website, please list the IP address(s) that will be used.

3.

Authorization to represent your company Select “I Agree” to state you are an authorized representative of the company you are applying for this account.

Sign your name electronically by entering your name in “By” textbox.

Optional on this page If you need to send us a message or have a question, enter it in the comments box.

Click on the “CONTINUE” button to proceed.

A U L T C A R E

E M P L O Y E R

A C C O U N T

I, John Smith, am an authorized representative of X Company.

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R E G I S T R A T I O N

G U I D E

Step # 6

This is the final page of your account registration process. You must agree to the Trading Partner Agreement specified on this page. You can print this agreement by clicking on “Print this agreement.”

From this page: 1.

Select “I Agree” to agree to the “Trading Partner Agreement” outlined on this page.

2. Indicate your approval by entering your name in “By:” textbox.

Click on the “FINISH” button to proceed.

Upon successful completion of your account registration, you will see the following message: 12

Thank you for the submission of your registration request.

You will receive an email advising on the next steps to complete the process.

What to expect next?

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Upon completion of the registration process, you should receive an email stating the registration process has been completed. (Note: At this time, your account is not active yet)

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We will review the application and finish with the account setup process.

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When your account setup has been completed, you will receive an email informing you your account has been set up and is ready for use. (Note: At this time, the process is complete, and you will be able to login to our website) If you have questions, you can contact your group coordinator, or for technical assistance, email the AultCare Web Team at aultconnect@aultcare.com.

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AultCare

EMPLOYER FILE AND ID CARD RETRIEVAL GUIDE

How to retrieve your monthly files on the AultCare website 1.

Visit www.aultcare.com.

2. Click Account Login on the homepage and select Employer.

3. Enter your username and password. Click Account Login to access your account.

4. You must have an online account to retrieve files. Select Register for new account if you do not have an account.

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My Dashboard Once you are logged into your account, your dashboard will appear. All links associated to your account will be displayed.

In the screenshot below, three main areas have been identified.

• Location A lists the last three (3) files AultCare has posted for you. These are on your dashboard so you can easily view these files.

• Location B is a link. This link will take you to your Secure FTP Center. The FTP Center allows you to download all files AultCare uploaded to your account. This is where you can upload files to AultCare.

• Location C is a link similar to Area B. It will take you to the same place and files as Location B.

2

Secure FTP Center When you click on the Files link from your dashboard (Location C in the example) you will be directed to the Secure FTP Center (see image below). You will see two links: Files for you and Files from you.

VIEWING YOUR FILES Files for you This link will show all of the files AultCare uploaded to your account. Retrieve your files by clicking on this link. The number displayed is the number of available files.

UPLOADING FILES TO SEND TO AULTCARE Files from you This link will take you to a page where you can upload files to AultCare.

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Downloading a File Step #1 Click on the text labeled Download files that have been posted for you.

Step #2 When you click the link, a dropdown list will appear. From the list, select the group name to view files. (Based on your authorization, only those particular group names will be displayed.)

Step #3 For employers who have more than one AultCare account, select the appropriate account from the drop down box.

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Step #4 Once you see a list of files, click on the Download link to view/download it on your computer.

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Uploading a File 1.

Click the link labeled Click here to upload files.

An example of the upload center is shown to the right.

2.

3.

4.

5.

Select the group number associated with your file upload.

Select the specific file type.

Browse for the file you want to upload on your computer.

Select Upload.

Previously Uploaded Files You can also see files previously uploaded.

If you have questions, contact your group coordinator, or for technical assistance, email the AultCare Web Team at AultConnect@AultCare.com.

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Member ID Cards on the Employer Portal Step #1 Log in to your employer secured account and select Eligibility.

Step #2 Click Search to view a list of active members.

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Step #3 Select a name to view the member’s ID card.

Step #4 To view a copy of the member ID card, select this link: Member Card click here.

:

www.aultcare.com Member

Medical Plan

Employer:

Effective:

Group #: Member: Member ID:

PCP Co-Pay $ Specialist Co-Pay $ In-Network Ded Ind/Family $ Out-of-Network Ded Ind/Family $ In-Network OOP Ind/Family $ Out-of-Network OOP Ind/Family $

Pharmacy Plan Rx Claims: Rx Bin: Rx PCN: Rx Group: Issuer: For Pharmacy Help Desk 888-219-3164

Claims Submission

Customer Service/Eligibility

Mail: AultCare P.O. Box 6910 Canton, OH 44706

This card is not a guarantee of coverage. For verification and coverage details call 330-363-6360 or 1-800-344-8858 weekdays, 7:30 AM to 5:00 PM. Hearing Impaired: Call 711

8

da

PRECERTIFICATION is required for all elective admissions and within two working days following an emergency admission. For preadmission certification, call Utilization Management at 330-363-6397 or 1-800-344-8858 weekdays, 8:30 AM to 5:00 PM. Benefits may be reduced if this does not occur.

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ENROLLMENT INFORMATION

The following information is provided to explain the process of enrolling and terminating employees and/or dependents. In order to ensure timely enrollment of new eligible employee, please complete and return the membership report and group employee application.

Attachment #1: Step-By-Step Guide This guide was created to assist with the completion of enrollment application/change form.

The text denoted in red provides additional information to help understand what information is being requested.

Attachment #2: Enrollment Application All new employees and those employees requesting a change in their coverage, must complete this entire form, unless otherwise instructed, to prevent delays.

Any questions you have as you complete this form may be directed to Customer Service.

Once completed, these forms may be mailed to: AultCare Eligibility Department PO Box 6910 Canton, OH 44706 It may also be faxed directly to our eligibility Department at 330-363-7746. All changes must be received by the 10th of the month to be reflected on your next bill.

Attachment #3: Cancellation and Continuation Form Please indicate all cancellations on this report. Do not make changes on the monthly premium statement. Utilize transaction codes for each change. Include enrollment form where indicated and provide within 31 days of event. (Signed enrollment forms must include spouse's signature when applicable.

Attachment #4: HIPAA Disclosure Form

Notice of Privacy Practice Member Guide Letter

The attached enclosures must be given to any potential AultCare enrollee in addition to the Group Employee Application so that the person understands portability and creditable coverage.

Attachment #5: Getting the Most from your Healthcare plan

Guide for Completing the Enrollment Application/Change Form Please complete this form in its entirety.

EMPLOYER USE ONLY This section is to be completed by the employer representative.

Employer Group Numbers Leased Network List all AultCare group numbers that apply. (Medical, Designate if the employee is accessing an out-of-area Dental, Vision) network. (Cigna, First Health Network, etc.)

Employee Location/Job Classification AultCare Effective Date Use this section to designate an employee classification, Provide the date the coverage is set to begin. if needed. These designations should be set-up as rate codes during the implementation of your plan.

(Example: hourly vs. salary; executive or management; physical plant location.)

EMPLOYEE COVERAGE ELECTION This section is to be completed by the employee.

A) NEW POLICY APPLICATION  New Group  New Hire  Open Enrollment  Waiving Coverage Designate the reason for applying for coverage or if coverage is being waived. If waiving coverage, a signature is required on the back of this form. Qualifying Event — Explain: If applying for coverage for a qualifying event, please provide a detailed explanation. (For example: spouse lost coverage, marriage, birth, adoption.)

Hire Date If the original hire date is not available, please provide the month and year.

Coverage Type(s) Requested: Check All that Apply Medical Dental Rx Vision STD Life Flex HSA HRA Be sure to check all benefit options being elected.

Plan Requested: Plan Name Use this section to designate the employee’s plan election. (Example: PPO, HDHP or OPT 1, OPT 2, etc.)

ADDITIONAL COVERAGE FOR DEPENDENTS This section is to be completed by the employee.

A(dd), C(hange), D(elete) Please provide the reason code for enrolling or disenrolling dependents.

Social Security Number SSN are required for all dependents with coverage.

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Benefits Selected (M,D,V,R) List all that apply.

Other Insurance Coverage? (Y/N) If yes, please complete the other coverage information on the back of this form.

OTHER COVERAGE INFORMATION This section is to be completed by the employee if any covered persons have other health insurance coverage.

MEDICARE INFORMATION This section is to be completed by the employee if any covered persons are enrolled in Medicare.

OTHER INFORMATION This section is to be completed by the employee to designate any specified needs.

All Employees Signature______________ Date __________ Employee must sign and date when electing coverage.

Employees Waiving Coverage Reason for waiver of coverage: ______________ Employee and spouse must provide reason for waiving coverage.

Signature______________ Date __________ Employee and spouse must sign if either are waiving coverage.

Please submit this form to AultCare by one of the following methods: Email: aultcareeligibility@aultcare.com | Fax: 330-363-7746 | Mail: AultCare Member Services PO Box 6910 Canton, OH 44706 Employer to send completed form to AultCare by one of the following methods.

Enrollment Application/Change Form without Medical Questions AULTCARE USE ONLY Date Completed

EMPLOYER USE ONLY Employer Group Numbers Leased Network AultCare Yes No Effective Date

Employer Name Employee Location/ Job Classification

Completed By

Card Sent

A) NEW POLICY APPLICATION  New Group  New Hire  Open Enrollment  Waiving Coverage

EMPLOYEE COVERAGE ELECTION

You Only You & Your Spouse You & Your Child(ren) You, Your Spouse & Your Child(ren) Qualifying Event — Explain: B) EMPLOYEE INFORMATION

Last Name

First Name

Gender Male Female Home Address (Number & Street) Preferred Phone Number

Date of Birth

Social Security Number County Email Address

Middle Initial

City State Primary Care Physician Name (HMO Only)

Suffix

Zip Code

Marital Status  Married — Date of Marriage Single Widowed Divorced Separated Employment Currently on Hire Hours Worked Are you currently actively at work?

Status Full Time Part-Time Retired COBRA Date Per Week Yes No If not, why?

Coverage Type(s) Requested: Plan Requested: Check All that Apply Medical Dental Rx Vision STD Life Flex HSA HRA Plan Name A(dd), Relationship to C(hange), Enrollee D(elete)

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Date of Qualifying Event (Qualified enrollment must be made within 31 days of event)

First Name

M.I.

Last Name (If different from employee)

Social Security Number

Benefits Gender Other Insurance Selected Date of Birth (M or F) Coverage? (Y/N) (M,D,V,R)

M - Medical D - Dental V - Vision R - Prescription

OTHER COVERAGE INFORMATION

Do you or your spouse or any enrolled dependents have Medicare coverage?

OTHER INFORMATION

Upon your effective date with this plan, will you or any of your family members have other health insurance?  YES  NO

MEDICARE INFORMATION

IMPORTANT INFORMATION

If yes, what is the name of the other insurance company?

If yes, what type(s) of other health insurance will you have? Check all that apply

 Medical

 Dental

 YES  NO

Medicare Enrollee Name

Medicare ID Number

Do you have Medicare Part D coverage?  YES  NO

If yes, what is the effective date of your coverage?

 Rx

 Vision

If yes, please provide information below.

Hospital Effective Date (Part A)

Medical Effective Date (Part B)

Do you, or any of your dependents, have any cultural or linguistic needs?  YES  NO If yes, what are they?

RELEASE OF INFORMATION/PLEASE READ CAREFULLY I am applying for group health coverage through AultCare Insurance Company and its related entities (“AultCare”). I acknowledge the coverage for which I am applying is subject to eligibility requirements and the terms of the policy. I acknowledge that I have read and understood all of the information contained within this document. Additionally, I acknowledge that all information that I have entered in this application, to the best of my knowledge, is complete, true, and accurate. I understand that any attempt to mislead or defraud AultCare is considered insurance fraud.

INSURANCE FRAUD WARNING: Any person who, with intent to defraud or knowing that he or she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

I acknowledge that AultCare may use and disclose my protected health information, as well as, the protected health information of my family for payment, treatment, and operations.

This information may be disclosed to other insurance companies, third party administrators, state and federal agencies, health care providers and other organizations and persons that perform professional, business, or insurance functions for AultCare, as permitted by state and federal law.

The information may be used for, but not limited to, processing enrollment applications, risk classifications, detecting or preventing fraud, internal and external audits, claims administration, case management, quality improvement programs, public health reporting, law enforcement investigations, coordination of benefits, medical management programs, and subrogation.

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All Employees I have read all of the statements contained in this application and declare that by signing this application the information I have provided is true and complete to the best of my knowledge. Electronic Signature Disclaimer: Please be advised that AultCare will not deny the enforceability or effect of an electronic signature solely because it is in an electronic format. Any valid signature provided in this section shall have the same legal effect and enforceability as a manually executed signature. I authorize deduction from my wages, as necessary, for any required premium for the coverage for which I have applied.

Signature

Date

Employees Waiving Coverage I have read all of the statements contained in this application and declare by signing that the information I have provided is true and complete to the best of my knowledge. I understand that I am eligible to apply for coverage through my employer. And I acknowledge that, subject to the terms and conditions of the policy, by waiving coverage at this time, I may not be able to enroll myself or my family again until the next annual enrollment period or a special enrollment period. I hereby decline coverage for (check all that apply):  Myself  Spouse  Child(ren) Reason for waiver of coverage: Signature

Spouse Signature

Date

Per the 2015 FTC TCPA, AultCare or a vendor of AultCare, may contact you for demographic, satisfaction, and/or medical care management information in accordance with its obligation under Federal Law.

Please submit this form to AultCare by one of the following methods: Email: aultcareeligibility@aultcare.com | Fax: 330-363-7746 | Mail: AultCare Member Services PO Box 6910 Canton, OH 44706 7350/21

Cancellation/Continuation Notification Today’s Date: Employer: Group Numbers: Completed By: EFFECTIVE DATE OF TRANSACTION

LAST,

EMPLOYEE NAME FIRST,

M.

COVERAGE TYPE TRANS. ID NUMBER M-Medical, D-Dental, CODE V-Vision

COMMENTS

Please indicate all cancellations on this report. Do not make changes on the monthly premium statement. Utilize transaction codes for each change. Include enrollment form where indicated and provide within 31 days of event. *Signed enrollment forms must include spouse’s signature when applicable.

TRANSACTION CODES Cancellation of Coverage: A. Cancellation – Left Employment/Termination (Include in Comments section Termination Date & if Voluntary, Involuntary or due to Gross Misconduct) B. Cancellation – Deceased (Specify Date of Death in Comments section) C. Cancellation – Layoff (Include in Comments section the Date of Layoff & if Voluntary or Involuntary) D. Cancellation - Waiving (Specify in Comments if waiving coverage, include Enrollment Form with waiver section signed*.)

E. Cancellation – Reduction in hours: no longer meets minimum eligibility requirements

Continuation of Coverage: F. COBRA Coverage Elected (Include Expiration Date, Copy of signed election form & proof of first payment) G. State Continuation of Coverage (For employers under 20 – please indicate expiration date of State Continuation of Coverage in the Comments section. Please include a signed Continuation of Coverage Election Form.)

Other: H. Other (Include detailed explanation)

I understand AultCare is relying on my answers to the above questions to ensure overall compliance for my group health plan. I certify the answers are true to the best of my knowledge and belief. I also understand I am responsible for promptly notifying AultCare if any information changes.

Please submit this form to AultCare by one of the following methods: Email: aultcareeligibility@aultcare.com | Fax: 330-363-7746 | Mail: AultCare Member Services PO Box 6910 Canton, OH 44706 6234/20

Please contact Customer Service with any questions: 330-363-6360

Notice of HIPAA Special Enrollment Rights

We would like to take this opportunity to advise you of an important provision in your health care plan. To participate, you must complete an enrollment form. Dependent upon which specific plan you wish to enroll in, you may have to pay part of the premium through payroll deduction.

Additionally, HIPAA requires that we notify you of the “Special Enrollment Provision”.

Special Enrollment Provision Loss of Other Coverage. If you decline enrollment for yourself or for another eligible dependent (including your spouse) while other health insurance or group health plan coverage is in effect, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 30 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage).

New Dependent by Marriage, Birth, Adoption, or Placement for Adoption. In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your new dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.

To request special enrollment or to obtain more information about the plan’s special enrollment provisions, contact your AultCare Service Center at 330-363-6360 or 1-800-344-8858.

Procedures for Requesting Certificate of Creditable Coverage/Certificate of Health Plan Coverage HIPAA requires that plan sponsors and/or insurers provide a Certificate of Creditable Coverage/Certificate of Health Plan Coverage (HIPAA Certificate) to each individual who requests one, so long as it is requested while the individual is covered under the AultCare Health Plan or within 24 months of the individual’s coverage under the AultCare Health Plan ending. The request also can be made by someone else’s behalf for an individual. For example, an individual who previously was covered under the AultCare Health Plan may authorize a new plan in which the individual enrolls to request a certificate of the individual’s Creditable Coverage/Health Plan Coverage from the AultCare Health Plan. An individual is entitled to receive a Certificate upon request even if the AultCare Health Plan has previously issued a Certificate to that individual.

Requests for Certificates should be directed to AultCare Corporation, Attn: Member Services, P.O. Box 6910, Canton, Ohio 44706-0910 or by calling your AultCare Service Center at 330-363-6360 or 1-800-3448858.

Telephone requests are accepted only if the Certificate is to be mailed to the address the plan has on file for the individual to who the request relates. Other requests must be made in writing.

All requests must include:  The name of the individual for whom the Certificate is requested;  AultCare Group Number and Identification Number

   

P.O. Box 6910 | Canton, OH 44706 PHONE: 330-363-6360 | TOLL FREE: 1-800-344-8858 TTY LINE: 711 WEBSITE: www.aultcare.com

  

The last date that the individual was covered under the plan; The name of the participant that enrolled the individual in the plan; and A telephone number to reach the individual for whom the Certificate is requested.

Required written request must also include:  The name of the person making the request and evidence of the person’s authority to request and receive the Certificate on behalf of the individual  The address to which the Certificate should be mailed.  The requester’s signature After receiving a request that meets these requirements, the plan will act in a reasonable and prompt fashion to provide the Certificate.

(Note: A preexisting condition exclusion does not apply to enrollees of AultCare plans that have renewed effective January 1, 2014 and after.)

The Certificate of Creditable Coverage/Health Plan Coverage can be used as proof of loss of coverage.

   

P.O. Box 6910 | Canton, OH 44706 PHONE: 330-363-6360 | TOLL FREE: 1-800-344-8858 TTY LINE: 711 WEBSITE: www.aultcare.com

Notice of Privacy Practices Your Information. Your Rights. Our Responsibilities.

This Notice of Privacy Practices (NPP) describes how medical and claims information about you may be used and disclosed, how you can get access to your information, and your rights under HIPAA. Please review this NPP carefully. Feel free to share it with your family or personal representative.

Introduction The terms of this Notice of Privacy Practices apply to [Name of Health Plan] (“the Plan”). The Plan will share protected health information of members as necessary to carry out treatment, payment, and health care operations as permitted by law.

The Plan is committed to protecting the information you share with us and our Third-Party Administrator, [PICK ONE: Aultra Administrative Group Corporation (“Aultra”) or AultCare Corporation (“AultCare”)]. In most cases throughout this document, the word” we” pertains to [Name of Health Plan] and our Third Party Administrator (even if the Third Party Administrator is not named as such. We are required by law to maintain the privacy of our members' Protected Health Information and to provide members with notice of our legal duties and privacy practices with respect to protected health information. We are required to abide by the terms of this Notice so long as it remains in effect. We reserve the right to change the terms of this Notice of Privacy Practices as necessary and to make the new Notice effective for all protected health information maintained by us. Copies of revised notices will be mailed to all members covered by the Plan and copies may be obtained by mailing a request to the Protected Health Information Plan at the address listed at the end of this Notice.

We’re committed to safeguarding the Privacy and Security of Protected Health Information of our enrollees and their eligible dependents (you) in paper (PHI) or electronic form (ePHI).

This NPP describes our HIPAA-compliant policies and procedures for the Use and Disclosure of your PHI/ePHI, including the use of PHI/ePHI and payment of treatment under your group health plan in compliance with HIPAA’s Privacy and Security Rules (updated by the Omnibus Rule of 2013), the HITECH Act, and the Genetic Information Nondiscrimination Act (GINA).

Not every use or disclosure of PHI, with or without a signed Authorization, is listed in this NPP. Uses or disclosures not specified in this NPP often require an Authorization.

Terms Accounting. An Accounting is a list of disclosures of your PHI/ePHI we have made.

Authorization. An Authorization is a document signed and dated by the individual who authorizes the use or disclosure of PHI/ePHI for purposes other than treatment, payment, or healthcare operations.

Business Associates. We or our Third Party Administrator contract with outside business associates that may access, use, or disclose PHI/ePHI to perform covered services for us/them. Examples include auditing, accounting, accreditation, actuarial services, and legal services. Business associates must protect the privacy and security of your PHI/ePHI to the same extent we do. If a business associate delegates services to a subcontractor or agent, that subcontractor or agent is also a business associate required to comply with HIPAA. Covered Entities. Covered Entities include health care providers (e.g. hospitals, doctors, nurses, nursing homes, home health agencies, durable medical equipment suppliers, other health care professionals and suppliers), and group

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health plans. [Name of Health Plan] is a group health plan covered entity.

Designated Record Set. A designated record set is a group of records containing PHI in paper or electronic form that we created and store. A Designated Record Set includes medical, healthcare and service records, billing, claims and payment information, eligibility and enrollment information, and other information we use to make decisions regarding the coverage and payment of medical care under your plan. Records created by others are not part of a designated record set.

Disclose. Disclose means our releasing, transferring, providing access to, or divulging PHI/ePHI to a third party, including covered entities and their business associates: (1) for treatment, payment, and health care operations; or (2) when you permit us by your signed authorization; or (3) as required by law.

Genetic Information. Genetic Information includes genetic testing of the individual or family members.

Health Plan. Health plan means an individual or group health plan that provides, or pays the cost of, medical care and includes a health insurance issuer, HMO, Part A or B of Medicare, Medicaid, voluntary prescription drug benefit program, issuer of Medicare supplemental policy, issuer or a long-term care policy, employee welfare benefit plan, plan for uniformed services, veterans health care program, CHAMPUS, Indian health service program, federal employee health benefit program, Medicare Advantage plan, approved state child health plan, high risk pool, and any other individual or group health plans or combination that provides or pays for the cost of medical care. [Name of Health Plan] is a group health plan.

Health Care Operations. Health Care Operations include quality assurance, performance improvement, utilization review, accreditation, licensing, legal compliance, provider/supplier credentialing, peer review, business management, auditing, enrollment, underwriting, stop-loss/reinsurance, and other functions related to your health plan, as well as offering and providing preventive, wellness, case management, and related services.

Individual. Individual means the enrollee or eligible dependent (including minors) to whom PHI belongs. It also applies to your family member or personal representative acting on your behalf.

MinimumNecessary. We will limit the use or disclosure of your PHI/ePHI to the minimum needed to accomplish the intended purpose of the use, disclosure, or request.

Payment. Payment means the activities by a group health plan to obtain premiums or to determine or fulfill its responsibility for coverage and the provisions of benefits under your plan and includes eligibility or coverage determination, coordination of benefits, adjudication and subrogation of health benefit claims, billing, claims management, EOBs, health care data processing, reinsurance (including stop-loss and excess), determination of medical necessity, utilization review (including pre-certification and retrospective review), and related activities.

Personal Representative. Personal Representative means a person acting on behalf of the individual, including family, spouse, guardian, attorney-in-fact under a durable or general power of attorney, or friend assisting the individual with healthcare and payment decisions.

Protected Health Information (PHI/ePHI). PHI/ePHI means individually identifiable medical and health information regarding your medical condition, treatment of your medical condition, and payment of your medical condition, and includes oral, written, and electronically generated and stored information. PHI/ePHI excludes de-identified information or health information regarding a person who has been deceased for more than 50 years.

Treatment. Treatment means the provision, coordination, and management of health care and services by one or more health care providers, including referrals and consultations between providers or suppliers.

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Use. Use means our accessing, sharing, employing, applying, utilizing, examining, or analyzing your PHI/ePHI within the [Name of Health Plan] organization for payment and health care operation purposes. Your PHI/ePHI is accessible only to members of [Name of Health Plan] workforce who have been trained in HIPAA Privacy and have signed a confidentiality agreement that limits their access and use of PHI/ePHI, according to the minimum necessary standard, to perform the authorized purpose.

Wellness Program. Wellness Program means a program that an employer has adopted to promote health and disease prevention, which is offered to employees as part of an employer-sponsored group health plan or separately as a benefit of employment.

Your Rights When it comes to your health information, you have certain rights. This section explains some of your rights and our responsibilities.

You may get a copy or summary of your health and claims records: • •

You may ask to see or get a copy of your health and claims records and PHI kept in a designated record set.

There are some restrictions.

We will get you a paper copy or electronic version of your health and claims records, or give you a summary, usually within 30 days of your request. Our Third Party Administrator may charge reasonable, cost-based fees.

You may ask to correct your health and claims records: • • •

You may ask in writing to correct your health and claims records in a designated records set if you believe they are incorrect, inaccurate, or incomplete.

Our Third Party Administrator may say “no” to your request, but they’ll tell you why in writing within 60 days.

You will have an opportunity to appeal.

You may request confidential communications or communications by alternative means: •

•

You may ask for contact to be made to you about claims, premiums, EOBs, or other matters about your health plan and coverage in a specific way, such as home phone, office phone, or cell phone, or by alternate means, such as one an address different from your home or usual email address.

Let us know if you do not want anyone to leave any voice mail message.

You may ask to limit (restrict) what we use or disclose: • •

You may ask in writing not to use or disclose certain health information for treatment, payment, or operations.

We may honor your request if you pay for treatment in full out-of-pocket.

While we will consider reasonable requests, we/our Third Party Administrator is not required to agree to your request. We may say “no” if restricting information could affect your care or if disclosure is required by law.

You may request a list (“Accounting”) of those to whom we’ve disclosed PHI/ePHI:

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• •

You may ask in writing for a list of disclosures of your PHI/ePHI (Accounting) for the six years prior to your request.

We/our Third Party Administrator will include all disclosures except for those about treatment, payment, and health care operations, and disclosures made to you or that you authorized us to make. We’ll provide one accounting a year for free, but our Third Party Administrator will charge a reasonable, cost-based fee if you ask for another one within 12 months.

You may get a copy of this NPP: •

You may ask for a paper copy of this NPP at any time, even if you have agreed to receive this NPP electronically. We will provide you with a paper copy promptly.

You may choose someone to act for you: • •

You may choose a family member or personal representative to receive PHI/ePHI from us, exercise your rights, and make choices for you.

We will use reasonable efforts to confirm that the person is authorized to act on your behalf before we take any action.

You may file a complaint if you believe your rights have been violated: • • • •

If you believe your privacy or your HIPAA rights have been violated, we urge you to contact [HR] We take all complaints very seriously. We will investigate and take appropriate action if needed.

You also may file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights by sending a letter to : 200 Independence Avenue, S.W., Washington, D.C. 20201. You may also call 1-877696-6775, or visit www.hhs.gov/ocr/privacy/hipaa/complaints/.

We will never retaliate against you for filing a complaint, asking a question, or expressing a concern.

Communicating with You

This section describes how we may communicate with you, family members, or your personal representative.

Communicating with You: We/our Third Party Administrator may communicate with you about claims, premiums, or other things regarding your health plan.

Communicating with Family or Others Involved In Your Care: •

We/our Third Party Administrator may disclose your PHI/ePHI to designated family, friends, guardians, persons named in a durable or general power of attorney, personal representatives, or others assisting in your care or payment of claims.

Minors and Emancipated Minors: • •

We may disclose a minor’s PHI/ePHI to the minor’s parent(s) or guardian, unless there are legal or policy reasons not to do so.

We will not disclose PHI/ePHI to the parent(s) or guardian of an emancipated minor. A minor is emancipated

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if he/she: (1) does not live with his/her parent(s); (2) is not covered by parental health insurance; (3) is financially independent of parent(s); (4) is married; (5) has children; or (6) is in the military.

Deceased Enrollees: • •

If you die, we may disclose your PHI to the executor or administrator of your estate.

We may disclose PHI/ePHI to your spouse, family, personal representative, or others who were involved in your care or management of your affairs, unless doing so would be inconsistent with your wishes made known to us.

Uses and Disclosures

This section describes how we/our Third Party Administrator typically uses or discloses your PHI/ePHI with and without an Authorization.

No Authorization Needed: • • • • • • •

We will create, receive, or access your PHI/ePHI, which we may use or disclose to other covered entities for treatment, payment, and health care operations, without the need for you to sign an Authorization.

We will disclose PHI/ePHI needed to treat or authorize treatment. For example, a doctor or health facility involved in your care may request your PHI/ePHI to make treatment decisions covered by the Plan.

We will use or disclose your PHI needed for payment. For example, we will use information about your medical procedures and treatment to process and pay claims, to determine whether services are medically necessary, and to pre-authorize or certify services covered by your health plan.

We may disclose PHI/ePHI to governmental or commercial health plans that may be obligated under coordination of benefit rules to process and pay your claims.

We will use and disclose your PHI/ePHI as necessary or required by law to administer your plan and for our health care operations. For example, we may use or disclose PHI/ePHI for underwriting purposes. We will not use or disclose genetic information for underwriting purposes.

We may disclose PHI/ePHI to business associates to perform covered services. It is not necessary for you to sign an Authorization for us to share PHI/ePHI with our business associates for covered services.

We will use PHI/ePHI gathered from our online enrollment tools to complete certain applications for enrollment. The use of these tools is voluntary and alternate methods of enrollment may be available should you choose not to provide all of the requested information needed to complete the online enrollment.

Authorization Needed: We will not use or disclose your PHI/ePHI for any purpose other than treatment, payment, or healthcare operations without your signed HIPAA-compliant Authorization, unless required by law.

• •

We will not disclose psychotherapy notes without a signed Authorization unless required by law.

We will not release medical records if subpoenaed, unless you sign an Authorization, or the lawyers sign a qualified protective order, or if we receive a valid court or administrative order.

You may choose to receive information about health-related products or services or fundraising:

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•

• • •

We may use your PHI/ePHI if we believe you may be interested in, or benefit from, treatment alternatives, wellness, preventive, disease management, or health-related programs, products or services that may be available to you as an enrollee or eligible beneficiary under your health plan. For example, we may use your PHI/ePHI to identify whether you have a particular illness, and contact you to let you know about a disease management program available to help manage your illness.

Let us know if you do not want to be contacted or receive information about these services and programs.

Opting out will not affect coverage or services.

We will not sell or disclose your PHI/ePHI to third-parties for marketing without your Authorization, which will indicate whether we are paid for selling PHI. We may contact you about charitable fundraising. If you do not want to be contacted or receive fundraising materials, let our Third Party Administrator know. Opting out will not affect coverage or services.

Wellness Programs: • •

If you voluntarily choose to participate in a Wellness Program, you may be asked to answer questions on a health risk assessment (HRA) and/or undergo biometric screenings for risk factors, Wellness Programs may also provide educational health-related information or services that may include nutrition classes, weight loss and smoking cessation programs, onsite exercise facilities, and/or health coaching to help employees meet their health goals.

Use and Disclosure of Health Information Permitted or Required by Law

We may use or disclose PHI/ePHI, without your Authorization, as required by law, including, but not limited to: • • • • • • •

Workers’ Compensation Public health agencies FDA and OSHA Ohio Department of Insurance and other regulatory and licensing agencies Emergency and disaster Prevent threat of serious harm Proof of immunization Breach Notification

•

You have the right to notification if a breach of your PHI/ePHI occurs. We will promptly notify you by first-class mail, at your last known address, or by email (if you prefer) if we discover a breach of unsecured PHI/ePHI, which includes the unauthorized acquisition, access, use, or disclosure of your PHI/ePHI, unless we determine through a risk analysis that a low probability exists that the compromise of your PHI would cause you financial, reputational, or other harm.

•

We will include in the breach notification a brief description of what happened, a description of the types of unsecured PHI involved, steps you should take to protect yourself from potential harm, a brief description of what we are doing to investigate the breach and mitigate any potential harm, as well as contact information for you to ask questions and learn additional information.

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Changes to this NPP This section describes how and when we may change NPP and how we will inform you of any material changes.

• • •

We reserve the right to change this NPP at any time, which we may make effective for PHI/ePHI we already used or disclosed, and for any PHI/ePHI we may create, receive, use, or disclose in the future.

We will make material amendments based on changes to the HIPAA laws.

Copies of revised NPPs will be mailed to all enrollees covered by the plan, and copies may be obtained by mailing a request to: . [INSERT: EMPLOYER’S NAME INSERT: ATTN GROUP CONTACT INSERT: EMPLOYER’S ADDRESS INSERT: CITY / STATE / ZIP CODE INSERT: TELEPHONE]

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Dear Member, AultCare recognizes the importance of understanding your benefits as well as our operating procedures prior to your enrollment. This information would include, but is not limited to, the following:       

Covered benefits Non-covered benefits Access to doctors, healthcare providers, and facilities (provider network) Key medical management (Utilization Management) procedures Potential network, service, or benefit restrictions Pharmaceutical management procedures Policies and practices regarding collection, use, and disclosure of Protected Health Information(PHI), including: o Routine notification of privacy practices o Use of authorizations o Access to medical records o Protection of oral, written, and electronic information across the organization o Information for employers

To ensure this information is easily accessible to our potential members, we provide the information in our Member Guide, which is located on our website www.aultcare.com. The Member Guide can be found on the Members page under the Member Information section.

To request a printed copy of the Member Guide, please contact Customer Service at 330-3636360 or 1- 800-344-8858. Representatives are available Monday-Friday from 7:30 am – 5:00 pm. (For hearing- impaired assistance, please call 711).

Sincerely, AultCare Sales and Retention Departments

   

P.O. Box 6910 | Canton, OH 44706 PHONE: 330-363-6360 | TOLL FREE: 1-800-344-8858 TTY LINE: 711 WEBSITE: www.aultcare.com

EMPLOYEE COUNT ANALYSIS Various state and federal laws have requirements based on employee counts. When counting employees, it’s important to conduct a related employer analysis.

The information detailed below does not constitute legal advice and is intended only for informational purposes. Please reach out to your benefits counsel to discuss your individual circumstances.

1. RELATED EMPLOYER ANALYSIS requires counting all employees of all members of the employers in a controlled group of companies or affiliated service group to determine employee count. Below is a summary of those groups.Bank Name A controlled group may exist when two or more companies have any of the following: • A Parent-Subsidiary Relationship: Exists when one or more chains of organizations are connected through ownership of a common parent company and 80% or more of the voting power or total value of each member of the group is owned by another member of the group, except for the common parent.

• A Brother-Sister Relationship: Exists when at least 50% of the voting power or total value of two or more organizations is owned by the same 5 or fewer persons taking into account only the ownership of each such organization that is identical for each other organization.

• A Combination Relationship: Exists when two or more organizations are members of a group that has common ownership which includes both parent-subsidiary relationships and brother-sister relationships, in which case all such organizations are considered the same controlled group of business.

An affiliated service group may exist when two or more organizations have a service relationship and/or ownership relationship with one another as satisfied by 1 of 3 tests (A-Org Test; B-Org Test; or Management Group Test).

More information about Controlled and Affiliated Service Groups can be found in the following IRS publication: https://www.irs.gov/pub/irs-tege/epchd704.pdf

2. GROUP SIZE FOR A FULLY INSURED PLAN OFFERING UNDER OHIO LAWnk Name Under Ohio law, a small, Ohio-based employer, for purposes of a group health plan and with respect to a calendar year and a plan year, is an employer who employed an average of at least two but no more than fifty eligible employees on business days during the preceding calendar year and who employs at least two employees on the first day of the plan year. With “Eligible Employee” being defined as an employee who works a normal work week of thirty or more hours. Eligible employee does not include a temporary or substitute employee, or a seasonal employee who works only part of the calendar year on the basis of natural or suitable times or circumstances. Ohio Rev. Code § 3924.01

3. CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) ANALYSIS COBRA generally applies to all private sector group health plans as well as plans sponsored by state and local governments.

To be subject to COBRA, employers need to have at least 20 employees on more than 50% of their typical business days in the previous calendar year. When counting employees for COBRA purposes, both full- and part-time employees are counted, taking into consideration the above Related Employer Analysis. Each part-time employee counts as a fraction of a full-time employee. The fraction should be equal to the number of hours worked divided by the number of hours required to be considered full-time. (For example, a company requires a full-time employee work 40 hours a week. A part-time employee who works 20 hours a week is considered ½ of a full-time employee.) If you have fewer than 20 employees, you may be subject to state continuation of coverage requirements under ORC 3923.38 depending on whether your group health plan is subject to state regulation. These plans typically include Insured, MEWA plans, and self-funded public employers.

For more information, visit https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center publications/anemployers-guide-to-group-health-continuation-coverage-under-cobra.pdf 7774/22

4. MEDICARE SECONDARY PAYER (MSP) ANALYSIS MSP is a federal law that requires Medicare pay secondary to group health plans unless certain circumstances apply. These exceptions are based on group size and the scenarios are listed below. This is not intended to be a comprehensive guide to the MSP law. As an employer group sponsoring a group health plan, you are required to maintain documentation regarding your total employee counts during the year. Please use the above Related Employer Analysis to report your employee count.

If Medicare requests a review of MSP status, AultCare will reach out to obtain information regarding your group size during the period in question. Medicare can inquire about claims that are several years old, so it’s imperative to maintain accurate records.

MSP SUMMARY RULES Medicare Beneficiary

Employer Characteristics

Primary Payer

Secondary Payer

Age 65 or older (employee or spouse) and group Employer with fewer than 20 employees Medicare health plan due to current employment of the Medicare beneficiary or the beneficiary’s spouse Employer with at least 20 employees full or part-time Group Health Plan in at least 20 weeks of the preceding or current year (the 20 weeks do not have to be consecutive)

Group Health Plan

Age 65 or older (employee or spouse) and group health plan not due to current employment (e.g. through a retiree health plan or COBRA) of the Medicare beneficiary or the beneficiary’s spouse

All employers regardless of the number of employees

Medicare

Group Health Plan

Disabled under age 65 (employee, spouse, or dependent) and group health plan due to current employment of the Medicare beneficiary or the beneficiary’s spouse or parent

During at least half the year of the employer’s regular business days in the previous calendar year, the employer had:

Medicare

Group Health Plan

Disabled under age 65 (employee, spouse, or dependent) and group health plan not due to current employment (e.g. through a retiree health plan or COBRA) of the Medicare beneficiary of the beneficiary’s spouse or parent

All employers regardless of the number of employees

Medicare

Group Health Plan

ESRD patient (employee, spouse, or dependent) during the first 30 months of Medicare ESRD coverage

All employers If, when ESRD coverage regardless of the begins, the employer plan number of employees is already primary payer according to MSP provisions

Group Health Plan (Active and COBRA coverage)

Medicare

Medicare

Group Health Plan (Active and COBRA coverage)

Employer with fewer than 100 employees

Employer with at least 100 Group Health Plan employees during at least half the year of the employer’s regular business days in the previous calendar year

If, when ESRD coverage begins, the employer plan is correctly secondary payer because it is not subject to the applicable MSP provisions for working aged or for disability ESRD patient (employee, spouse, or dependent) regardless of age beginning with the 31st month of Medicare ESRD coverage

All employers regardless of the number of employees

Medicare

Medicare

Medicare, regardless Group Health Plan of coverage for age (Active and 65 or disability, for COBRA coverage) the duration of ESRD coverage

More information about Medicare Secondary Payer rules can be found in the following publication: https://www.cms.gov/Outreach-and-Education/Medicare-Learning-Network-MLN/MLNProducts/Downloads/MSP_Fact_Sheet.pdf

ANNUAL DETERMINATION OF GROUP SIZE DEMOGRAPHICS Employer Name / Legal Name of Company Group Number

Employer Identification Number (EIN/TIN)

1. RELATED EMPLOYER ANALYSIS Does the attached Related Employer Analysis define your company as part of a controlled group or affiliated service group?  Yes  No a. If yes, list the other Related Employer name(s):_________________________________________________________ b. If yes, consider that fact when answering all of the questions below.

2. GROUP SIZE FOR A FULLY INSURED PLAN OFFERING UNDER OHIO LAW* For Ohio-based employer plans, provide the number of employees in the preceding calendar year that worked at least 30 hours during a normal work week? (Note: If your answer is between 2 to 50 employees, you will be offered a Small Group or MEWA plan option.) _____________ *Self-funded plans or employers outside Ohio may skip this question.

3. CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) ANALYSIS To determine the appropriate continuation of coverage (COBRA vs State Continuation) provide the following counts for 50% of the typical business days in the previous calendar year: Full-time ________ Part-time (Each is counted as a fraction of a full-time employee.) ________ Total number of employees ________ 4. MEDICARE SECONDARY PAYER (MSP) ANALYSIS a. Did you (including all Related Employers) have 100 or more full-time, part-time, seasonal employees or partners on 50 percent or more of your business days during: The current calendar year?  Yes  No The preceding calendar year?  Yes  No b. Did you (including all Related Employers) have 20 or more full-time, part-time, seasonal employees, or partners for each working day in each of 20 or more calendar weeks (weeks do not have to be consecutive) during: The current calendar year?  Yes  No The preceding calendar year?  Yes  No If you checked “Yes” for the current calendar year, and the 20-employee threshold was met during the current year, provide the date:_________________.

I understand AultCare is relying on my answers to the above questions to ensure overall compliance for my group health plan. I also understand the information submitted will be used to determine: whether Medicare will be the primary payer of claims for my Medicare-eligible insured(s), employer size for continuation of coverage, and employer size status under State and Federal regulations. I certify the answers are true to the best of my knowledge and belief. I also understand I am responsible for promptly notifying AultCare (as indicated above) if my answers to any of these questions change because our organization has increased or decreased the number of employees. I understand that CMS penalties may apply.

Signature of Company Officer or Authorized Representative

Print Name

Title Daily Contact Email Address Date Executive Email Address

7775/22

Return to: AultCare Insurance Company Attn: Retention Department | P.O. Box 6910, Canton, OH 44706 | retention@aultcare.com

Notices and Disclosures

www.aultcare.com

Specific Participant Notices and Disclosures Under Health Care Reform The following provides a checklist of the specific notices and disclosures under health care reform. For each topic, we provide a citation to the statutory provision, a description of the notice or disclosure, effective date/timing of distribution, and who is required to comply.

Citation to Statutory Provision Exchange Notice [FLSA§ 18B]

Patient protections [PHSA § 2719A]

Rescissions Prohibition [PHSA § 2712]

Information Reporting of Minimum Essential Coverage MEC (Insurers and Employers That Self- Insure) [Code § 6055] Information Reporting of Employer-Sponsored Coverage (Applicable Large Employers ALE) [Code § 6056] Summary of Benefits and Coverage (SBC) & Glossary of Terms & Notice of Material Modifications to SBC {SMM} [PHSA § 2715]

Description of Notice or Disclosure

Date/Timing

Required to Comply

To new employees hired after October 1, 2013, within 14 days of their start date

Employers subject to FLSA

9/23/10

Group health plans and insurers (n/a to grandfathered plans or coverage)

After 9/23/10

Group health plans and insurers

Generally, annually on or before 1/31 after calendar year in which coverage was provided

For Insurers, sponsors of self-insured plans, and other entities providing “minimum essential coverage”

Written statement of health coverage provided

Generally, annually on or before 1/31 after calendar year in which coverage was provided

Applicable large employers

SBC must meet certain appearance, language, and content requirements & 60-day advance notice required for material modifications not reflected in most recent summary

Distribution starting with first open enrollment beginning on or after 9/23/12; Exchange/FFM notice must occur within 14 days after start date

Group health plans and insurers

Information on Exchanges and the consequences if employee purchases a QHP through Exchange in lieu of employersponsored coverage Choice of primary care provider/ pediatrician (if plan requires or allows for this) and OB/GYN care without referral (if applicable, include in SPD or any description of benefits) (Notice of the right to designate any participating PCP; designate a pediatrician as PCP for any child and obtain OB/GYN care without PA or referral) 30 day advance notice of retroactive cancellation or discontinuance of coverage (permitted only in limited circumstances such as fraud or misrepresentation of a material fact upon event or on request) Forms 1094-B directly to IRS and 1095-B to covered employee Written statement of health coverage provided Forms 1094-C directly to IRS and 1095-C to the covered employee

Group Health Plans: Federal Mandates Other Than COBRA & HIPAA Mental Health Parity • Under the MHPA/MHPAEA, cost-exemption notices

notifying participants and beneficiaries of the plan’s reliance on the increased cost exemption, including among other things, a statement regarding the availability upon request of a summary of the information on which the exemption was based (required only if plan claims exemption) Triggered only if plan claims the exemption from MHPAEA Provide upon event (must provide a 30 days advance notice to participants, beneficiaries and DOL) or on request

Newborns’ and Mothers’ Health Protection Act (NMHPA) • Include in the SPD – Must describe, with respect to childbirth

hospital stay for mother and newborn the applicable State or Federal requirements and the plan’s coverage – use DOL model language • Opt-out notices notifying enrollees of opt-out by self-

funded non-federal governmental plan, annually and upon enrollment Patient Protections Under Health Care Reform

• Opt-out notices notifying enrollees of opt-out by self-

funded non-federal governmental plan, annually and upon enrollment • Employer Health Plans must provide a comparative

analysis of the application of Non-Quantitative Treatment Limits (NQTLs) to Mental Health/Substance Use benefits in comparison to Medical/Surgical benefits to ensure parity exists.

Women’s Health and Cancer Rights Act (WHCRA) • Enrollment notices notifying participants of WHCRA

rights included upon initial enrollment, if not included in an SPD that is distributed upon initial enrollment

• Written notice of the right to designate a primary care

provider or pediatrician and to obtain obstetrical or gynecological care without preauthorization or referral must be provided not later than the first day of the first plan year beginning on or after September 23, 2010, and with SPD Surprise Billing • Employer Health Plans must provide to participants,

in plain language, information regarding balance billing protections in both emergency and certain nonemergency situations. The information must be listed on the plan’s website and on all EOBs. Cost Transparency Rules

• Annual notices notifying participants of WHCRA rights, if not

included in an SPD that is distributed annually • Opt-out notices notifying enrollees of opt-out by self-

funded non-federal governmental plan, annually and upon enrollment Plans

• Employer Health Plans must make available to members

price comparison information. The information must be accessible in an internet-based self-service tool (or paper upon request). By January 1, 2023, plans must have price comparison information for 500 items and services as described in regulation. By January 1, 2024, all other items and services must be accessible through the internet tool.

Group Health Plans: Federal Mandates Other Than COBRA & HIPAA Member ID Cards • Must list the plan’s deductible and out-of-pocket

information, as well as, the plan’s contact information.

Continuity of Care • Employer Health Plans must continue to cover certain

benefits on an in-network basis when a provider or facility ceases to be in-network. Will require COBRAlike provisions, with plan notifying enrollee of right to obtain this benefit and enrollee electing the benefit.

Generally applicable for serious and complex (or terminal) medical conditions.

Provider Directory and Coverage Information Requests • Employer Health Plans must create a database on a

public website that includes a list of providers and facilities that are in-network. Information must be verified and updated every 90 days (to remove providers who have left network.) If information that plans provide about in-network status is incorrect, the plan enrollee may be protected from higher cost-sharing amounts.

Americans with Disabilities Act (ADA)

Genetic Information Nondiscrimination Act (GINA) • Employers should include language in any lawful request

for medical information specifically directing the individual or health care provider not to provide genetic information (EEOC model language is available) Medicare Secondary Payer (MSP) Requirements • Exemption notice: Multiemployer or multiple employer

plans seeking small employer exception from age-based MSP rules must send letters to affected employees notifying them and their spouses that employer is exempted from the MSP rules • Mandatory reporting rules: Although the mandatory reporting

rule requirements require reporting to the government in certain situations, they do not appear to require any additional notices or reporting to plan participants (although required reporting entities (RREs) may need to use model language documents to collect information from plan participants in order to qualify for a reporting safe harbor) Medicare Part D: Creditable Coverage Disclosure and Coordination of Benefits Requirements • Disclosure notices (creditable coverage and non-

• EEOC notice of rights to be posted on employer’s premises

creditable coverage disclosure notices) to be sent to Part D eligible individuals

• No specific notice requirements with respect to employer-

• Provided at initial enrollment; annually by Oct. 15; upon

sponsored group health plans, except for certain wellness programs - ADA Wellness Program Notice to be provided at initial enrollment and at annual enrollment (If wellness program includes an activity only or outcome based reward, SPD must include contact information and statement that an alternative standard is available and that recommendations of attending physician will be accommodated) EEOC has model notice

certain events and on request • For Group health plans with prescription drug coverage —

CMS has model notices

HIPAA and COBRA HIPAA

COBRA

• Include nondiscrimination disclosure in SPD ACA §1557 now

• Recommendation to send standalone notice to employee and

requires the posting of a notice of nondiscrimination with translated taglines in other languages offering assistance.

1557 also prohibits discrimination based upon race, color, national origin, sex, age or disability in health program or activities receiving funding from HHS (includes Medicare, Medicaid, QHP/FFM, etc.)

• Special enrollment notices to employees describing special

enrollment rules and rights given at initial enrollment, on event or upon request. Can include in annual enrollment materials, too. Describe special enrollment rights in the SPD • CHIP notice at annual enrollment (consider special

enrollment notice at annual as well) Annual notice describing possible premium assistance available in State in which employees reside Model notice found on DOL

spouse within initial notice time period • Initial notices to covered employee and covered spouse

explaining COBRA rights and obligations generally in SPD – must include a general description of COBRA coverage and description of qualified beneficiary/covered employee’s obligations; Provide within 90 days after individual’s coverage commences • Description of COBRA rights and obligations found in SPD –

statement of rights and obligations relating to continuation of coverage • Election notices to qualified beneficiaries who experience

• Notice to employees regarding potential opportunities for

a qualifying event providing information about rights and obligations relating to a specific qualifying event or upon request; DOL has model notice; Provide within 14 days after receipt of qualifying event notice from employer or qualified beneficiary/covered employee. Or within 44 days after qualifying event for which the employer is responsible (term of employment, death) recommend send first class mail with documentation; Furnish to each qualifying beneficiary (single notice can go to employee and spouse at same address and serves as notice to dependent children)

State premium assistance subsidy (beginning in 2010)

• Notice of unavailability of COBRA coverage to individuals who

• Other HIPAA notices such as Breach notices, responses to

may expect to receive coverage on event or upon request

• Notice of privacy practices to individuals given at initial

enrollment, on event (60 days after a material revision of the notice) or upon request. NPP has specific requirements as to its contents – use HHS model notice; Notice of availability of NPP given at least once every 3 years (can be given at annual enrollment each year)

individual rights to access own PHI, etc. apply as well, but are beyond the scope of this checklist

• Notice of termination of COBRA coverage to affected qualified

beneficiaries on event or upon request • Notice of conversion to affected qualified beneficiaries where

plan provides conversion option • Notice of insignificant shortfall on event or upon request • Model notices for COBRA premium reduction subsidy • Other COBRA notices may apply as well, but are beyond the

scope of this checklist

Required Participant Disclosures Other than in SPDs and SBCs Qualified Medical Child Support Orders (QMCSOs)

Required Coverage for Dependent Children (Michelle’s Law)

• QMCSO receipt letters notifying participant and each alternate recipient

• If coverage for a dependent child is conditioned

of the receipt of a QMCSO and of the plan’s procedures for determining whether a medical support order is a QMCSO recipient as to whether an order has been determined to be a QMCSO

upon the dependent’s status as a student, any request for certification of student status must include a notice as to the provisions of Michelle’s Law

• QMCSO procedures can be given, if requested by a participant or beneficiary

• Opt-out notices notifying enrollees of opt-out

• QMCSO determination letters notifying participant and each alternate

and if not included in the plan’s SPD (procedures typically included in SPD) • National Medical Support Notices (NMSNs). In addition to observing

by self- funded non-federal governmental plan, annually and upon enrollment

QMCSO requirements above, and completing the Employer/Plan Administrator Responses to Parts A and B in accordance with the NMSN instructions, the employee, child, and custodial parent must be notified that coverage will become available. If the NMSN is determined not to be appropriately completed, the employee, custodial parent, and alternate recipient must be notified.

ERISA ERISA • Summary Plan Description (SPD) – Includes eligibility, benefits and plan design • Statement of ERISA Rights (model language in DOL regs) SPD is provided within 90 days for new participants (120 for new plans)

and at least every 5 years if any material changes (10 years if no changes) Provide to all covered participants (generally not beneficiaries) – also provide to surviving spouse, QMCSO recipient and COBRA qualified beneficiary. Provide by first class mail or hand deliver at the work place. Electronic delivery is permitted under certain rules. Document delivery method.

• Summary of Material Modifications (SMM) – updates the SPD - upon event or at request SMM is provided when there is any material

change or change to any required SPD content – provide within 60 days after material reduction in covered services or benefits or within 210 days after end of plan year in which the change is adopted • Summary of Benefits and Coverage (SBC) – written plan summary with prescribed format and content SBC provided with enrollment

materials (60 day advance notice for midyear material modifications affecting SBC content) Can be paper or electronic (for online enrollment) Must go participants and beneficiaries • Summary Annual Report (SAR) (required if plan is (1) funded; or (2) insured with 100 or more participants at beginning of plan year)

– Annually 9 months after PY ends or 2 months after Form 5500 extension; Is a summary of Form 5500 – for the participants – model language found on DOL. If plan does not file 5500, then no SAR is required • Responses to written participant requests for documents • Claims procedure notices – typically found in the SPD or in separate document distributed and referenced in the SPD • Offer of assistance in non-English language (taglines) • Other ERISA notices may apply as well, but are beyond the scope of this checklist

Understanding Your Member ID Card from AultCare The information shown is for general informational purposes.

Please call AultCare at 330-363-6360 or 1-800-344-8858 with questions.

Remember to present your ID card at each provider visit.

Front of Card Employer Information: Use this information to contact AultCare & register for your online account.

Health Plan Information: Coverage effective date & information for provider or specialist if applicable.

Member Information: Use this information when you contact AultCare & register for your online account.

Pharmacy Information: Pharmacy coverage.

Dental Information: Dental coverage if applicable.

Back of Card Health Plan Claim Contact Information:

Eligibility Disclaimers & Information:

The mailing address for medical claims.

The contact information for eligibility.

Dental Claim Contact Information: If you have dental coverage, this is the mailing address.

Pre-Certification Requirement Information: Contact Utilization Management (UM) with questions regarding elective procedures.

Please note: This is a sample card. Your personalized, AultCare ID card will contain your specific plan information.

Need a replacement ID card?

Log into your online account at aultcare.com to print a copy and/or request a new one.

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GETTING THE MOST FROM YOUR HEALTHCARE PLAN AultCare is dedicated to providing you and and your family with convenient access to healthcare.

In order to provide access to quality care, it is important to keep AultCare updated with any major life events. In addition, AultCare may reach out to you if more information is required regarding you and your family to accurately manage your health plan.

MAJOR LIFE EVENTS Notifying AultCare of any major life events ensures continued healthcare coverage.

If any of the below life events have recently occurred, please notify your Human Resources Coordinator as soon as possible. » Marriage » Divorce or legal separation » Spouse now working » Spouse loss of health coverage » New baby » Adoption » Child between ages 19 – 25 requires coverage

ADDITIONAL INFORMATION If AultCare requires additional information, you may receive a form in the mail.

Please complete the form and return it to AultCare as soon as possible. Examples of additional information:

» Other Coverage – If your spouse and/or child(ren) have other health coverage, AultCare will ask you to complete an Other Coverage form each year to confirm.

» Divorce/Not Married – AultCare may request a copy of your divorce decree or court

order if you are divorced or a single parent covering children on your plan. The required court document provides information on which parent’s healthcare plan has been ordered to pay first. If you do not have a court document, you will be asked to complete an Affidavit for Financial Support annually.

» Injury – AultCare will need to know if an injury is related to an accident that may be connected to a Workers’ Compensation claim, automobile or other accident. You will receive an Accident Questionnaire to confirm how the injury occurred.

CONTACT US 330-363-6360 | 1-800-344-8858 (TTY: 711) www.aultcare.com

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EXPLANATION OF BENEFITS/APPEALS Explanation of Benefits: AultCare is now posting Explanation of Benefits (EOB) forms electronically. You can access, view or print an electronic EOB from the AultCare website anytime you want. Please refer to the following instructions.

Encourage your employees to obtain access to their claim information on the website or to call the service center to answer specific questions about their claims.

Appeals: The attached documents outline AultCare’s appeal procedures and timelines.

Internal Appeal Request Form

If you disagree with a determination decision about a specific benefit, you have the right to file an internal appeal with AultCare using this form. You may also submit your appeal in writing and include any comments, documentation, or records relevant to your appeal.

AultCare Treating Physician Certification for Experimental/Investigational ABD

You may have your provider complete this form if your request for benefit determination has been denied as Experimental or Investigational. (We do not require completion of this form, but provide it for your convenience. Your provider must certify to us in writing that your request is of an expedited nature before we will proceed with it as an expedited appeal.)

AultCare Treating Physician Certification for Internal Appeal and/or External Review

You may have your provider complete this form if your request for benefit determination has been denied and you are requesting an expedited appeal or review. (We do not require completion of this form, but provide it for your convenience. Your provider must certify to us in writing that your request is of an expedited nature before we will proceed with it as an expedited appeal.)

External Review Procedures Summary

An explanation of the External Review procedure for all Insured and Public Employer Plans effective 02/2012.

External Review Request Form

If you disagree with our appeal decision and have exhausted your internal appeal rights, you can request an External Review using this form. (For Insured and Public Employer Plans Only)

AultCare Request for Review by the Ohio Department of Insurance

If we have denied your request for an External Review and you disagree with our decision, please use this form.

AultCare

ONLINE EXPLANATION OF BENEFITS (EOB) CLAIM GUIDE

Accessing Your EOBs Online Our website gives you the ability to view your Explanation of Benefit (EOB) claims online. EOBs contain detailed information relating to claims, including diagnosis and costs involved. The remainder of this document contains information on availability of EOBs and how to find them.

How do I know if an EOB is available for a claim?

The availability of EOBs per claim is dependent on the date of the claim.

• A claim status is available one week after the date received. An online EOB is not available until the claim is processed. » An EOB will also not be available if it incurred prior to August, 2011.

• If your claim is through an Aultra group, a claim status is available one week after the date received. An online EOB is not available until the claim is processed.

How do I access my EOBs online?

Step #1 Visit www.aultcare.com and log in to your secured, online account.

Step #2 Click on the My Claims link.

Step #3 Enter your search criteria and apply filters, or review a list of claims further down on the page.

Step #4 Once you have identified a claim, click on the link associated under the Claim Number column. This will open additional detail about a claim.

Step #5 On the Claim Details page, click the Explanation of Benefits link to review the information.

Communication Preferences • You have the option to receive either electronic or paper mail EOBs. • On your online member account, select Profile & Settings in the upper right corner.

• Under the Communication Preferences tab, scroll down to the Communication Preferences section.

• Here you can select the Go Paperless checkbox and select the Electronic Only button to receive your EOBs electronically rather than in the mail.

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UNDERSTANDING YOUR EXPLANATION OF BENEFITS (EOB) WHAT IS AN EOB? An EOB is a statement from your health insurance plan detailing the costs towards a medical procedure or service you received. An EOB is not a bill.

The purpose of an EOB is to clearly state the cost of care received, costs covered by the insurance plan, and member cost share.

HOW DO I RECEIVE MY EOBS? Members are automatically enrolled to receive their EOBs via their secured, online member account.

To access your EOBs: • Visit www.aultcare.com and log into your account.

• Select My Claims.

• Use the filters to find a specific claim or scroll to the bottom of the page to view your claims.

Select a claim number to review the EOB. If you would like to receive paper EOBs via mail, please contact AultCare Customer Service.

ITEMS OF INTEREST When reviewing your EOB, these areas are clearly denoted.

On the reverse side of this flyer, there is an example of an EOB. • Claim payment details » Provider name » Claim number • Date of service and name of procedure/service • Cost of procedure/service • Any applicable discounts and provider adjustments • Payment amount paid by AultCare based on your plan’s deductible, copayment and insurance • Amount the member is responsible to pay CONTACT US 330-363-6360 | 1-800-344-8858 www.aultcare.com 6312/20

EXAMPLE: EXPLANATION OF BENEFITS (EOB)

TTY users can call: 711

Member address information

Group information Claim payment detail

GRIEVANCES AND APPEALS GRIEVANCE PROCESS If you are unsatisfied with AultCare or your network providers, you are advised to contact AultCare as soon as possible to begin the grievance process.

You can contact AultCare about your concern and you will be forwarded to someone who can assist you in the necessary steps to help reach a resolution. You may also mail your grievance to: Grievance and Appeal Coordinator, PO Box 6029, Canton, OH 44706.

APPEALS PROCESS If you disagree with a determination about a specific benefit, you have the right to appeal AultCare’s decision and request a review of the determination through the appeals process. The appeal process can be initiated by you and/or your provider or your authorized representative. Your appeal must be submitted within 180 calendar days of the adverse determination and should contain a statement describing the reasons why you feel your claim/services should not have been denied, written comments, documents, records or other information relating to the claim/service.

A full and fair review will be conducted, taking into consideration all of the information received with the appeal. Clinical appeals, or appeals relating to decisions based on medical necessity, are conducted by health professionals. Appeals can be mailed to: Grievance and Appeal Coordinator, PO Box 6029, Canton, OH 44706.

AultCare will send you a notification in writing regarding the determination of your appeal based upon the type of appeal. Time frames are as follows: »

Pre-service appeals will be answered within 15 calendar days of receipt.

»

Post-service appeals will be answered within 30 days of receipt.

»

Urgent/concurrent care appeals will be answered as soon as possible, but not greater than 72 hours of receipt.

You may contact AultCare or refer to your plan documents for more information on how to file an appeal. You can also contact AultCare if you would like a copy of the appeal process specific to your group plan. Please refer to your plan documents and/or letter of denial for additional levels of appeal available to you.

CONTACT US 330-363-6360 | 1-800-344-8858 www.aultcare.com

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INTERNAL APPEAL REQUEST FORM Name of person filing appeal _______________________________________________________________________ Relationship to covered person  Covered Person/Applicant  Authorized Representative (please complete the Appointment of Authorized Representative section) CONTACT INFORMATION OF AUTHORIZED REPRESENTATIVE (IF APPLICABLE) Mailing Address City State Zip code Daytime Phone Evening Phone Email Address Fax COVERED PERSON/APPLICANT INFORMATION Name ID Number Mailing Address City State Zip code Daytime Phone Evening Phone Email Address Fax TREATING PHYSICIAN/HEALTHCARE PROVIDER INFORMATIONName: Name Phone Number Mailing Address City State Zip code Email Address Fax Number Contact Person Phone Number Internal Appeal Specifications 1. Are you requesting an expedited appeal because your health, life, or ability to regain maximum function may be in serious jeopardy while you wait up to 30 days for a decision on your appeal?  Yes  No 2. Are you requesting an expedited appeal because your physician certifies that your pain cannot be controlled while you wait up to 30 days for a decision on your appeal?  Yes*  No

3. Are you requesting a Concurrent Expedited Internal Appeal and Expedited External Review and your physician certifies that it is necessary? (Note: Request for External Review form is not required.)  Yes*  No *If you answer yes to question 2 or 3 above, your physician must certify that your condition could, in the absence of immediate medical treatment, result in any of the following: • Seriously jeopardize your life, health, or your ability to regain maximum function, or • Subject you to severe pain that cannot be adequately managed without the care or treatment that is the subject of the claim.

You may also have your physician certify if you answer yes to question 1.

Briefly describe why you disagree with this decision (you may attach additional information, such as a physician’s letter, bills, medical records, or other documents to support your claim): _________________________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ Appointment of Authorized Representative (complete when someone else is representing you in this appeal) You may represent yourself, or you may ask another person, including your treating healthcare provider, to act as your authorized representative. You may revoke this authorization at any time.

I hereby authorize to pursue my appeal on my behalf.

Signature of Covered Person (or legal representative**)

Date

Signature and Release of Medical Records To appeal the denial of coverage, you must sign and date this Appeal Request Form and consent to the release of medical records.

I___________________________________________ hereby request an appeal. I attest that the information provided on this form is true and accurate to the best of my knowledge. I authorize my treating physician, healthcare provider, and/ or health plan issuer to release all relevant medical or treatment records to an Independent Review Organization, the Ohio Department of Insurance, and/or my health plan issuer. I understand that the Independent Review Organization, the Ohio Department of Insurance, and/or my health plan issuer will use this information to make a determination on my appeal and that the information will be kept confidential and not be released to anyone else. This release is valid for one year. I understand that I or my authorized representative is entitled to receive a copy of this authorization.

Signature of Covered Person (or legal representative**) **Parent, Guardian, Conservator, or Other - please specify

Date

Send this form and a copy of your notice of final adverse benefit determination to one of the following: Grievance and Appeal Coordinator PO Box 6029 Canton, OH 44706 | Fax: 330-363-3066 | Email: Aappeals@aultcare.com Be certain to keep copies of this form, your Notice of Final Adverse Benefit Determination, and all documents and correspondence related to this claim.

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Reviewed: 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

TREATING PHYSICIAN CERTIFICATION FOR EXPERIMENTAL/INVESTIGATIONAL ADVERSE BENEFIT DETERMINATIONS NOTE TO THE TREATING PHYSICIAN Covered persons may request an external review when a health plan issuer has denied a healthcare service or course of treatment that is considered experimental or investigational and is NOT explicitly listed as an excluded benefit under the covered person’s health benefit plan. This form is for the purpose of providing the certification necessary to obtain a review. Please complete the entire form including the certification and return the executed form via one of the methods below.

MAILING ADDRESS Attention: Grievance and Appeal Coordinator P.O. Box 6029 Canton, Ohio 44706 Fax Number: 330-363-3066 Email Address: Aappeals@aultcare.com GENERAL INFORMATION Name of Covered Covered Person’s Person/Patient Health Plan ID Number Name of Treating Physician Licensure and Area of Clinical Specialty Mailing Address City State Zip Code Phone Number Email Address Fax Number Contact Person Phone Number External Review Specifications I hereby certify that I am a treating physician for ________________________________________________________ (hereafter referred to as “the covered person”); and that I have requested the authorization for a drug, device, procedure, or therapy denied for coverage due to the health plan issuer’s determination that the proposed therapy is experimental and/or investigational. I understand that in order for the covered person to obtain the right to an external review of this denial, as treating physician I must certify that the covered person’s medical condition meets certain requirements.

Continued on next page.

In my medical opinion as the covered person’s treating physician, I hereby certify to the following (select all that apply):  Standard healthcare services have not been effective in improving the condition of the covered person.  Standard healthcare services are not medically appropriate for the covered person.  There is no available standard healthcare service covered by the health plan issuer that is more beneficial than the requested healthcare service.

Please provide a description of the recommended or requested healthcare service or treatment that is the subject of the adverse benefit determination. Include any documentation that will be beneficial to the review process. Attach additional sheets as necessary. ____________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ ___________________________________________________________________________________________________________

Treating Physician Printed Name Signature Date

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Reviewed: 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

TREATING PHYSICIAN CERTIFICATION FOR INTERNAL APPEAL AND/OR EXTERNAL REVIEW NOTE TO THE TREATING PHYSICIAN Covered persons may request an internal appeal and/or external review when a health plan issuer has denied a healthcare service or course of treatment. The standard internal appeal and external review processes can take up to 30 days from the request date to the date a decision is rendered. Expedited appeals or reviews are only available under the circumstances shown below. This form is for the purpose of providing the certification necessary to obtain an expedited appeal or review. Please complete the General Information section along with the appropriate certification and return the executed form to one of the following: MAILING ADDRESS Attention: Grievance and Appeal Coordinator P.O. Box 6029 Canton, Ohio 44706 Fax Number: 330-363-3066 Email Address: Aappeals@aultcare.com GENERAL INFORMATION Name of Covered Covered Person’s Person/Patient Health Plan ID Number Name of Treating Physician Licensure and Area of Clinical Specialty Mailing Address City State Zip Code Phone Number Email Address Fax Number Contact Person Phone Number External Review Specifications I hereby certify that I am a treating physician for ________________________________________________________ (hereafter referred to as “the covered person”); that adherence to the time frame for conducting a standard internal appeal would, in my professional judgment, subject the covered person to severe pain that cannot be adequately managed without the requested care or treatment; and that, for this reason, the covered person’s appeal should be processed on an expedited basis.

Continued on next page.

Treating Physician Printed Name Signature Date Concurrent Expedited Internal Appeal and Expedited External Review Certification I hereby certify that I am a treating physician for (hereafter referred to as “the covered person”); and (select all that apply):  that adherence to the time frame for conducting an expedited internal appeal would, in my professional judgment, seriously jeopardize the life or health of the covered person or would jeopardize the covered person’s ability to regain maximum function; and that, for this reason, the covered person’s expedited internal appeal should be conducted simultaneously with an expedited external review.  that the recommended experimental or investigational treatment would, in my professional judgment, be significantly less effective if not promptly initiated; and that, for this reason, the covered person’s expedited internal appeal should be conducted simultaneously with an expedited external review. I have attached the completed Treating Physician Certification Form for Experimental/Investigational Adverse Benefit Determinations.

Treating Physician Printed Name Signature Date Expedited External Review Certification I hereby certify that I am a treating physician for (hereafter referred to as “the covered person”); that adherence to the time frame for conducting a standard external review would, in my professional judgment, seriously jeopardize the life or health of the covered person or would jeopardize the covered person’s ability to regain maximum function; and that, for this reason, the covered person’s external review should be processed on an expedited basis.

Treating Physician Printed Name Signature Date

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Reviewed: 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

EXTERNAL REVIEW PROCEDURES SUMMARY Understanding the External Review Process Under Ohio law, AultCare is required to provide a process that allows a person covered under a health benefit plan or a person applying for health benefit plan coverage to request an independent external review of an adverse benefit determination. An adverse benefit determination is a decision

by AultCare not to provide benefits because we believe services are not medically necessary, or not covered, excluded, or limited under the plan, or we believe the covered person is not eligible to receive the benefit. An adverse benefit determination can also be a decision to deny health benefit plan coverage or to rescind coverage.

Opportunity for External Review An external review may be conducted by an Independent Review Organization (IRO) or by the Ohio Department of Insurance.

A covered person is entitled to an external review by an IRO in the following instances: • The adverse benefit determination involves a medical judgment or is based on any medical information.

• The adverse benefit determination indicates the requested service is experimental or investigational, and the treating physician certifies at least one of the following: » Standard healthcare services have not been effective in improving the condition of the covered person. » Standard healthcare services are not medically appropriate for the covered person. » No available standard healthcare service covered by AultCare is more beneficial than the requested healthcare service.

There are two types of IRO reviews, standard and expedited. A standard review is normally completed within 30 days. An expedited review for urgent medical situations is normally completed within 72 hours and can be requested if any of the following applies: • The covered person’s treating physician certifies that the adverse benefit determination involves a medical condition that could seriously jeopardize the life or health of the covered person or would jeopardize the covered person’s ability to regain maximum function if treatment is delayed until after the time frame of an expedited internal appeal or a standard external review.

• The adverse benefit determination concerns an admission, availability of care, continued stay, or healthcare service for which the covered person received emergency services, but has not yet been discharged from a facility.

• An expedited internal appeal is in process for an adverse benefit determination of experimental or investigational treatment and the covered person’s treating physician certifies in writing that the recommended healthcare service or treatment would be significantly less effective if not promptly initiated.

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AC External Review Procedures Summary Rev. 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

EXTERNAL REVIEW PROCEDURES SUMMARY A covered person is entitled to an external review by the Ohio Department of Insurance in either of the following instances: • The adverse benefit determination is based on a contractual issue that does not involve a medical judgment or any medical information.

• The adverse benefit determination indicates that emergency medical services did not meet the definition of emergency AND the health plan issuer’s decision has already been upheld through an external review by an IRO. Request for External Review • The covered person must request an external review within 180 days of the date of the notice of final adverse benefit determination issued by AultCare.

• All requests must be in writing, except for a request for an expedited external review.

• Expedited external reviews may be requested electronically or orally; however, written confirmation of the request must be submitted to AultCare no later than five (5) days after the initial request.

• If the request is complete, AultCare will initiate the external review and notify the covered person in writing that the request is complete and eligible for external review. » The notice will include the name and contact information for the assigned IRO or the Ohio Department of Insurance (as applicable) for the purpose of submitting additional information. » The notice will inform the covered person that, within 10 business days after receipt of the notice, they may submit additional information in writing to the IRO or the Ohio Department of Insurance (as applicable) for consideration in the review.

• AultCare will also forward all documents and information used to make the adverse benefit determination to the assigned IRO or the Ohio Department of Insurance (as applicable).

• If the request is not complete, AultCare will inform the covered person in writing and specify what information is needed to make the request complete.

• If AultCare determines that the adverse benefit determination is not eligible for external review, we must notify the covered person in writing and provide the covered person with the reason for the denial and inform the covered person that the denial may be appealed to the Ohio Department of Insurance.

• The Ohio Department of Insurance may determine the request is eligible for external review regardless of the decision by AultCare and require that the request be referred for external review.

The Department’s decision will be made in accordance with the terms of the health benefit plan and all applicable provisions of the law.

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AC External Review Procedures Summary Rev. 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

EXTERNAL REVIEW PROCEDURES SUMMARY IRO Assignment • The Ohio Department of Insurance maintains a secure web based system that is used to manage and monitor the external review process.

• When AultCare initiates an external review by an IRO in this system, the Ohio Department of Insurance system randomly assigns the review to an Ohio accredited IRO that is qualified to conduct the review based on the type of healthcare service.

• AultCare and the IRO are automatically notified of the assignment.

IRO Review and Decision • The IRO must forward, upon receipt, any additional information it receives from the covered person to AultCare. At any time, AultCare may reconsider its adverse benefit determination and provide coverage for the healthcare service. Reconsideration will not delay or terminate the external review. If AultCare reverses the adverse benefit determination, they must notify the covered person, the assigned IRO and the Ohio Department of Insurance within one day of the decision. Upon receipt of the notice of reversal by AultCare, the IRO will terminate the review.

• In addition to all documents and information considered by AultCare in making the adverse benefit determination, the IRO must consider things such as: the covered person’s medical records, the attending healthcare professional’s recommendation, consulting reports from appropriate healthcare professionals, the terms of coverage under the health benefit plan, and the most appropriate practice guidelines.

• The IRO will provide a written notice of its decision within 30 days of receipt by AultCare of a request for a standard review or within 72 hours of receipt by AultCare of a request for an expedited review. This notice will be sent to the covered person, AultCare and the Ohio Department of Insurance and must include the following information. » A general description of the reason for the request for external review. » The date the independent review organization was assigned by the Ohio Department of Insurance to conduct the external review. » The dates over which the external review was conducted. » The date on which the independent review organization’s decision was made. » The rationale for its decision. » References to the evidence or documentation, including any evidence-based standards, that were used or considered in reaching its decision.

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AC External Review Procedures Summary Rev. 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

EXTERNAL REVIEW PROCEDURES SUMMARY Binding Nature of External Review Decision • An external review decision is binding on AultCare except to the extent that we have other remedies available under state law. The decision is also binding on the covered person except to the extent the covered person has other remedies available under applicable state or federal law.

• A covered person may not file a subsequent request for an external review involving the same adverse benefit determination that was previously reviewed unless new medical or scientific evidence is submitted to AultCare.

Please use the information below if you have questions about your rights or need assistance.

Ohio Department of Insurance ATTN: Consumer Affairs 50 West Town Street, Suite 300, Columbus, OH 43215 800-686-1526 / 614-644-2658 614-644-3744 (fax) 614-644-3745 (TDD) Contact ODI Consumer Affairs: https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/ Complaint.mvc/DisplayConsumerComplaintForm File a Consumer Complaint: http://insurance.ohio.gov/Consumer/OCS/Pages/ConsCompl.aspx

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AC External Review Procedures Summary Rev. 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

EXTERNAL REVIEW REQUEST FORM Name of person filing request for external review ________________________________________________________ Relationship to covered person  Covered Person/Applicant  Authorized Representative (please complete the Appointment of Authorized Representative section) CONTACT INFORMATION OF AUTHORIZED REPRESENTATIVE (IF APPLICABLE) Mailing Address City State Zip code Daytime Phone Evening Phone Email Address Fax COVERED PERSON/APPLICANT INFORMATION Name ID Number Mailing Address City State Zip code Daytime Phone Evening Phone Email Address Fax TREATING PHYSICIAN/HEALTHCARE PROVIDER INFORMATIONName: Name Phone Number Mailing Address City State Zip code Email Address Fax Number Contact Person Phone Number External Review Specifications 1. If your situation is urgent, are you requesting an expedited review?*  Yes  No *If you answer yes, your physician must certify your condition could, in the absence of immediate medical treatment, result in the following: • Seriously jeopardize your life or health or your ability to regain maximum function, or • Subject you to severe pain that cannot be adequately managed without the care or treatment that is the subject of the claim.

2. Is your requested healthcare service considered an experimental or investigational treatment?**  Yes  No **If you answer yes, your physician must certify that they are requesting authorization for a drug, device, procedure, or therapy denied for coverage due to the determination that the treatment is experimental and/or investigational and your medical condition meets certain requirements: • Standard healthcare services have not been effective in improving your condition.

• Standard healthcare services are not medically appropriate for you.

• There is no available standard healthcare service covered by the health plan issuer that is more beneficial than the requested healthcare service.

Briefly describe why you disagree with this decision (you may attach additional information, such as a physician’s letter, bills, medical records, or other documents to support your claim): ____________________________________________________________________________________________ ____________________________________________________________________________________________ _________________________________________________________________________________________________________ Appointment of Authorized Representative (complete when someone else is representing you in this appeal) You may represent yourself, or you may ask another person, including your treating healthcare provider, to act as your authorized representative. You may revoke this authorization at any time.

I hereby authorize to pursue my external review on my behalf.

Signature of Covered Person (or legal representative*)

Date

Signature and Release of Medical Records To appeal the denial of coverage, you must sign and date this Appeal Request Form and consent to the release of medical records.

I hereby request an external review. I attest that the information provided on this form is true and accurate to the best of my knowledge. I authorize my treating physician, healthcare provider and/or health plan issuer to release all relevant medical or treatment records to the Independent Review Organization and/or the Ohio Department of Insurance. I understand that the Independent Review Organization and the Ohio Department of Insurance will use this information to make a determination on my external review and that the information will be kept confidential and not be released to anyone else.

This release is valid for one year. I understand that I or my authorized representative is entitled to receive a copy of this authorization.

Signature of Covered Person (or legal representative*)

Date

*Parent, Guardian, Conservator or Other - please specify Send this form and a copy of your notice of final adverse benefit determination to one of the following: Mailing Address: Grievance and Appeal Coordinator P.O. Box 6029 Canton, OH 44706 Fax Number: 330-363-3066 Email Address: Aappeals@aultcare.com Be certain to keep copies of this form, your Notice of Final Adverse Benefit Determination, and all documents and correspondence related to this claim.

7549/22

Reviewed: 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

REQUEST FOR REVIEW BY THE OHIO DEPARTMENT OF INSURANCE Name of person filing request for review by the Ohio Department of Insurance ___________________________________ Relationship to covered person  Covered Person/Applicant  Authorized Representative (please complete the Appointment of Authorized Representative section) How would you like us to contact you?  Phone  Fax  Email  Mail CONTACT INFORMATION OF AUTHORIZED REPRESENTATIVE (IF APPLICABLE) Mailing Address City State Zip code Daytime Phone Evening Phone Email Address Fax COVERED PERSON/APPLICANT INFORMATION Name ID Number Mailing Address City State Zip code Daytime Phone Evening Phone Email Address Fax TREATING PHYSICIAN/HEALTHCARE PROVIDER INFORMATIONName: Name Phone Number Mailing Address City State Zip code Email Address Fax Number Contact Person Phone Number To complete this request for review, please fill out the additional information on the reverse side.

Review Specifications Briefly describe why you disagree with the decision to deny your request for external review. You may attach additional information, such as a physician’s letter, bills, medical records, or other documents to support your claim. ____________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ Appointment of Authorized Representative (Complete when someone else is representing you in this appeal.)

You may represent yourself, or you may ask another person, including your treating healthcare provider, to act as your authorized representative. You may revoke this authorization at any time.

I hereby authorize _____________________ to pursue my review by the Ohio Department of Insurance on my behalf.

Signature of Covered Person (or legal representative*)

Date

Signature and Release of Medical Records To appeal the external review denial, you must sign and date this Request for Review by the Ohio Department of Insurance Form and consent to the release of medical records.

I,_____________________________________ , hereby request a review of the external review denial. I attest that the information provided on this form is true and accurate to the best of my knowledge. I authorize my treating physician, healthcare provider and/or health plan issuer to release all relevant medical or treatment records to the Ohio Department of Insurance. I understand that the Ohio Department of Insurance will use this information to make a determination on my request for review of the denial and that the information will be kept confidential and not be released to anyone else. This release is valid for one year. I understand that I or my authorized representative is entitled to receive a copy of this authorization.

Signature of Covered Person (or legal representative*) *Parent, Guardian, Conservator or Other - please specify

Date

Send this form and a copy of your notice of denial of external review request for administrative reasons to one of the following: Mailing Address: Ohio Department of Insurance ATTN: Consumer Affairs 50 West Town Street, Suite 300 Columbus, OH 43215 Phone Number: 1-800-686-1526 / 614-644-2658 TDD: 614-644-3745 Fax Number: 614-644-3744 Be certain to keep copies of this form, your Notice of Denial of External Review Request for Administrative Reasons and all documents and correspondence related to this review.

7551/22

Reviewed: 2/2012, 09/2015, 09/2016, 02/02/2017, 02/2020, 01/2022

MONTHLY INVOICES

An example of the monthly invoice that each company receives is provided on the following page. The invoice you receive may differ in column headings and amounts.

Examples of column headings include: Medical, Dental, Vision, various PPO Access Fees, COBRA and HIPAA. Self-funded companies may also see Dental Fees, Conversion Fees, Prescription Clinical fees, Specific Reinsurance and Aggregate Reinsurance. The last column provides the total fees for each employee. 

The top portion of the invoice indicates the Run Date of the invoice and the Due Date of the payment. AultCare strives to have all bills run by the 15th and mailed by the 25th of each month. Payment is then due by the date indicated. If you have signed up to receive your bill electronically, you will be notified by e-mail that the invoices are available and you will access your invoice throughout our website at www.aultcare.com.

Any adjustments made to membership, such as termination, will be indicated in a section before the Grand Total. Eligibility changes that were received by the 10th of the month will be reflected on that month’s bill. General policy is to credit up to three months for terminations, so it is important to be up-to-date with eligibility changes. It is your responsibility to review this monthly billing for accuracy. Please note when mailing in your payment that no adjustments are to be written on the invoices and the amount sent should equal the Grand Total.

Please remit premium payment to: AultCare Insurance Premium Enclosed PO Box 6910 Canton, OH 44706

Account Summary Statement Glossary of Terms •

Account Summary Statement – The new billing statement will be referred to as an Account Summary Statement. You may have more than one account summary since our claims management system billing module organizes account statements by product, which could include different plan or benefit types.

•

Companion Spreadsheet – To provide improved analytic capabilities, we have created a companion spreadsheet, which conveniently combines multiple Account Summary Statements.

The spreadsheet contains multiple worksheets with different breakouts of your billing statement including Detail, Summary of Coverage Type, Summary by Rate Code, and Summary

by Invoice Number. (Click on the Sample Excel Invoice link under the Miscellaneous category to open the document.) The companion spreadsheet can be accessed through our secure AultCare Employer Web Portal. If you do not have an online account, please refer to section two of the Administrative Guide)

•

Additional Columns – On the 3rd page of the sample billing statement, you will find additional columns. Our new billing statement is a universal bill, and many of our clients have multiple products, which are reflected in the columns.

•

Statement Date – Typically, AultCare runs your bill 15 days prior to the due date. Payments submitted for a prior month that do not arrive by the statement date may not appear on your next month’s bill.

•

Rate Code - The rate code reflects how we categorize your employee population. Rate codes can reflect coverage type, plan type, and other internal classifications required to accurately administer your plan.

•

Payment Methods – You may send 1 check, even though you may have received multiple Account Summary Statements. It is important to note that you must return all remittance vouchers at the bottom of each Account Summary Statement to ensure proper posting. The total due can be found on the detail page under the “Grand Total” heading. Complete the Funding Form with your desired payment method. o Payment By EFT – Paying by EFT is the easiest and quickest way to pay your bill. o Payment by Check – You may pay by check, but please remember to return all remittance vouchers to ensure proper posting.

!*$*A001010381*$*!

ACCOUNT SUMMARY STATEMENT Company: Group Number: Invoice Number: Billing Period: Due Date:

The Statement Date is 15 days

Statement Date: 07/15/2018 prior to the payment due.

ACCOUNT SUMMARY Previous Account Balance Adjustment Total Current Charge

$7,182.40 $0.00 $2,191.25

Total Amount Due

$9,373.65

The Account Summary Statement is the name of your new bill(s).

GROUP NAME Your group name will appear here.

GROUP01 Your group number will appear here.

ARIU00000000001 Each Account Summary Statement will have a unique 08/2018 Invoice Number.

08/01/2018

MESSAGES Thank you for choosing AultCare.

Please include coupon below with your monthly premium payment.

Enrollment changes must be submitted on the proper form to our Member Services department by the 10th of each month to appear on the next billing cycle.

FOR CORRESPONDENCE Please feel free to contact us by phone, or mail.

Phone: 330.363.6360 / TOLL FREE: 1.800.344.8858 TTY Line: 330.363.2393 / TOLL FREE: 1.866.633.4752 Service Hours: Mon-Fri 7:30am to 5:00pm Website: www.aultcare.com

Electronic Funds Transfer is available for automatically funding your monthly invoice.

If you choose this easy option, premiums will be drafted out of your account on a monthly basis on the due date.

Our mailing address for payments has changed. Please notify your bank if you pay using online banking.

PLEASE SEND ALL OTHER CORRESPONDENCE TO:

PO BOX 6910 CANTON OH 44706-0910 Return the portion below with your payment to AultCare.

Thank you for your business.

AULTCARE INSURANCE COMPANY PO BOX 6910 CANTON OH 44706-0910 This bottom portion of your Account Summary Statement is the Remittance Voucher. Every Remittance Voucher must be returned with your bill.

GROUP NAME 123 S MAIN ST CANTON OH 44720-3021

/447203021232/

DUE DATE: 08/01/2018 TOTAL AMOUNT DUE: $9,373.65 Please Remit Payment to:

AULTCARE INSURANCE COMPANY PO BOX 94603 CLEVELAND OH 44101

AAIP0000000000100809373657

134680-AULTCARE-1

ACCOUNT NUMBER: AAIP00000000001

!*$*A000020301*$*!

ACCOUNT SUMMARY STATEMENT Company: Group Number: Invoice Number: Billing Period: Due Date:

Statement Date: 07/15/2018 ACCOUNT SUMMARY Previous Account Balance Adjustment Total Current Charge

$2,365.50 -$373.10 $709.65

Total Amount Due

$2,702.05

GROUP NAME GROUP01 ARIU00000000002 08/2018 08/01/2018

MESSAGES Thank you for choosing AultCare.

Please include coupon below with your monthly premium payment.

Enrollment changes must be submitted on the proper form to our Member Services department by the 10th of each month to appear on the next billing cycle.

FOR CORRESPONDENCE Please feel free to contact us by phone, or mail.

Phone: 330.363.6360 / TOLL FREE: 1.800.344.8858 TTY Line: 330.363.2393 / TOLL FREE: 1.866.633.4752 Service Hours: Mon-Fri 7:30am to 5:00pm Website: www.aultcare.com

Electronic Funds Transfer is available for automatically funding your monthly invoice.

If you choose this easy option, premiums will be drafted out of your account on a monthly basis on the due date.

Our mailing address for payments has changed. Please notify your bank if you pay using online banking.

PLEASE SEND ALL OTHER CORRESPONDENCE TO:

PO BOX 6910 CANTON OH 44706-0910 Return the portion below with your payment to AultCare.

Thank you for your business.

AULTCARE INSURANCE COMPANY PO BOX 6910 CANTON OH 44706-0910

DUE DATE: 08/01/2018 TOTAL AMOUNT DUE: $2,702.05 Please Remit Payment to:

GROUP NAME 123 S MAIN ST CANTON OH 44720-3021

/447203021232/

AULTCARE INSURANCE COMPANY PO BOX 94603 CLEVELAND OH 44101

AAIP0000000000200802702053

134680-AULTCARE-2

ACCOUNT NUMBER: AAIP00000000002

GROUP NUMBER:

PERIOD:

GROUP NAME

GROUP01

08/2018

MEMBER NAME/ RATE CODE

COV COBRA LEASED PREMIUM/ NETWORK ADMIN TYPE

NETWORK FEES

DENTAL

VISION

HRA/HSA/ STOP FLEX LOSS

!*$*A000030302*$*!

GROUP NAME:

ANCILLARY BROKER TOTAL FEES FEES

BALANCE FORWARD: RATE CODE 1

BROWN, JIM DELAMIELLEURE, JOE GRAHAM, OTTO

RATE CODE 1 TOTAL RATE CODE 2

BROWN, PAUL HICKERSON, GENE LAVELLI, DANTE MOTLEY, MARION

RATE CODE 2 TOTAL

$9,547.90 1 1 1

236.55 236.55 236.55

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

$236.55 $236.55 $236.55

1 1 2 1

427.70 427.70 898.15 427.70

0.00 0.00 10.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

$427.70 $427.70 $908.15 $427.70

709.65

RN35

2181.25

0.00

10.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

INVOICE TOTAL: June 2018 Adjustments KOSAR, BERNIE

$709.65

$2,191.25 $2,900.90

1

-236.55

0.00

0.00

0.00

0.00

0.00

0.00

0.00

-$236.55

1

-236.55

0.00

0.00

0.00

0.00

0.00

0.00

0.00

-$236.55

COBRA PACKETS

0.00

0.00

0.00

0.00

0.00

0.00

100.00

0.00

$100.00

Total Adjustments:

-473.10

0.00

0.00

0.00

0.00

0.00

100.00

0.00

-$373.10

July 2018 Adjustments KOSAR, BERNIE

Manual Adjustments:

GRAND TOTAL:

-$236.55 -$236.55 $100.00

$12,075.70

Coverage Type 1 2

EMPLOYEE (INDIVIDUAL) ONLY EMPLOYEE AND SPOUSE

Leased Network Description RN35

PRIVATE HEALTHCARE SYSTEMS

Coverage Counts

EMPLOYEE (INDIVIDUAL) ONLY 6 EMPLOYEE AND SPOUSE 1

PO BOX 6910 l CANTON OH 44706-0910 Phone: 330.363.6360 l Toll Free: 1.800.344.8858 l TTY Line: 330.363.2393 1.866.633.4752 134680-AULTCARE-3

AultCare Group Invoice Date: 8/1/2018

Rate Code

Member

Coverage Type

ACTIVE A15S

BROWN, JIM

1

$236.55

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$236.55

ACTIVE A15S

DELAMIELLEURE, JOE

1

$236.55

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$236.55

ACTIVE A15S

GRAHAM, OTTO

1

$236.55

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$236.55

ACTIVE A15S Total

Employee Count: 3

$709.65

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$709.65

ACTIVE S2C

BROWN, PAUL

1

$427.70

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$427.70

ACTIVE S2C

HICKERSON, GENE

1

$427.70

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$427.70

ACTIVE S2C

LAVELLI, DANTE

2

$898.15

$10.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$908.15

ACTIVE S2C

MOTLEY, MARION

1

$427.70

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$427.70

ACTIVE S2C Total

Employee Count: 4

$2,181.25

$10.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$2,191.25

$2,890.90

$10.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$2,900.90

Current Month Total ACTIVE A15S

KOSAR, BERNIE

Adjustment - June 2018 Total ACTIVE A15S

Employee Count: 1

Adjustment - July 2018 Total COBRA PACKETS

Employee Count: 1

KOSAR, BERNIE

1

1

0

Manual Adjustment Total AR Balance Amount AR Balance Amount Total Adjustment Total Grand Total

0

COBRA

Leased Network

RN35

Medical Admin

Network Fees Dental

Vision

HRA/HSA /FLEX Stop Loss

Ancillary

Broker Comp

Total

($236.55)

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

($236.55)

($236.55)

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

($236.55)

($236.55)

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

($236.55)

($236.55)

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

($236.55)

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$100.00

$0.00

$100.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$100.00

$0.00

$100.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$9,547.90

$0.00

$9,547.90

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$9,547.90

$0.00

$9,547.90

($473.10)

$0.00

$0.00

$0.00

$0.00

$0.00

$9,647.90

$0.00

$9,174.80 $12,075.70

Self Funded - Funding Arrangements CLAIM PAYMENTS and ADMINISTRATIVE FEES COMPANY NAME:________________________________________ Group # ___________________ CLAIM CHECK & EFT RUN - Select the preferred day of the week for the claim check run.

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

NOTIFICATION - The day following the check run, AultCare will provide a claim report and invoice for the total dollar amount due for claims processed. Select the preferred notification method.

E-Mail: Yes No If yes, provide e-mail address and person to receive this information.

Web:

Yes

No

If yes, AultCare will post claim information to the employer portal, www.aultcare.com

FUNDING ARRANGEMENT - Benefit checks are released upon receipt of appropriate funding. Select and complete one payment option.

AultCare Draft from your account: Bank Name:

Yes

No

If yes, provide the following:

Bank Contact & Phone Number: _______________________________________________

Account Number: _____________________ Routing Code: ________________________________________ { } Withdraw funds the day after closing is received { } Withdraw funds upon notification from company to benefitinvoice@aultcare.com { } Withdraw funds after ____ business days from closing (no greater than 4 days) ACH Transfer to AultCare: Yes No Huntington Bank AultCare Corporation Account Number: 01038342153 Routing Code for ACH payments: 044115090 Routing Code for Wire transfers: 044000024

MONTHLY ADMINISTRATIVE FEE INVOICE (Pay as billed, enrollment adjustments will be made to subsequent invoices)

FUNDING ARRANGEMENT - Select and complete one option ACH Transfer to AultCare: Yes

No AultCare Corporation Account Number: 01039702501 Routing Code: 044000024

AultCare Draft from your account: Yes Bank Name:

No

If yes, provide the following:

Bank Contact & Phone Number: _______________________________________________

Name on Account:

____________

Tax Identification Number: _______________________________________

Account Number:

_____________________

Routing Code: ________________________________________

Note: Automatic withdrawal on the 1st of every month

Completed by (printed name): ___________________________________________________ Signature: ___________________________________________Date: Forward to Technical Support & Billing

Revised 2/1/2019

Group Reporting

USER GUIDE

INTRODUCTION Data Availability The reports are built using medical and pharmacy claims data as well as membership, enrollment and provider information. Throughout the reports, you will find both paid amounts and utilization metrics.

The paid amount is the amount paid to the provider by the health plan on a claim.

Reporting Dates Most monthly reports are based on paid dates and show year to date values. Some reports show the previous months values along with the year to date. Reinsurance reports will be based on your reinsurance contract incurred and/or paid dates.

Medical Claims Category This report utilizes AultCare methodologies to stratify claims into high level categories. This methodology classifies healthcare claims data into groupings of similar types of services and calculates utilization measures. The Medical Claims Category Report allows you to compare current month and year to date on a total and a paid per unique enrollee basis by service category.

Diagnosis and Medical Procedure Summary The Diagnosis and Medical Procedure Summary report contains two separate reports. Each worksheet displays a summary of the medical claims grouped by the primary diagnosis or primary procedure code. The report contains number of enrollees, the total paid, the total volume, the paid per unit, and the paid per unique enrollee.

Eligibility Breakdown Summary Report One important component to understanding your healthcare information is to understand your population. In the Eligibility Breakdown Report you will find your total population as well as the distribution of your population by relationship and reporting division.

Cost Per Employee by Benefit This report summarizes the total paid amount by benefit by month displaying the cost per enrollee and the cost per employee on a monthly basis and a year to date basis. This is a good tool to use to see how your healthcare costs are changing throughout the year.

Specific Reinsurance Individual Summary Specific Reinsurance is the form of excess risk coverage that provides protection against a high claim cost on any one individual. This is protection against abnormal severity of a single claimant rather than abnormal frequency of claims in total. Specific stop-loss is also known as individual stop-loss. The Specific Reinsurance Individual Summary reports on any member who has a paid amount greater than 50% of the contract’s specific deductible reported on the terms of the stop loss contract. The report indicates the amount above the specific retention, amounts that have been reimbursed by the stop loss carrier and any outstanding or open amount.

Lag Report by Benefit The Lag Report is usually requested for a client’s accounting and audit purposes. This report shows two full years plus the current year of paid dates and analyzes historical claims information to determine the length of time lag between the date of service and the date a claim is paid.

Pharmacy Summary Report The Pharmacy Summary Report shows your top 25 drugs and a summary of your pharmacy costs

by Therapeutic class. The report contains the paid amount, number of prescriptions, and the cost per prescription.

IRSElig Report This report provides an accounting of each member covered by month. The report is a useful tool which provides the information necessary for the annual ACA 1094/1095 reporting.

ENROLLEE QUESTIONNAIRES

This section provides an explanation of various questionnaires that enrollees may receive if there is a question regarding how to pay a claim. Encourage employees to respond to any forms received in order to have their claims paid quickly and correctly.

Attachment #1: Other Coverage Information Form (2-page form) Unless otherwise instructed by a self-funded company, AultCare will send out a yearly Other Coverage Information Form to be updated with the next claims received for any member of the family following one year on the plan. Upon receipt of the completed form, the system is noted with the updated information and any pended claims are processed.

Attachment #2: Accident Questionnaire The Accident Questionnaire is mailed in the cases of accidents mainly to determine if a third party might be responsible for an accident. Claims are pended until we receive a signed response to the questionnaire. Cases involving a third party are referred to our Subrogation Department to pursue reimbursement for the Plan.

Attachment #3: Designation of Authorized Representative Form The Designation of Authorized Representative Form is used to confirm permission to discuss with or disclose to a person’s protected health information (PHI).

OTHER COVERAGE INFORMATION FORM Group #

 Actively Working

Enrollee Name

 Retired

Member ID #

 Disabled-Working

Date of Retirement _________________  Disabled-Not Working

PART 1

ENROLLEE INFORMATION

Have you, your spouse, or any dependents covered under this AultCare plan had any other Medical, Dental, Vision, RX, or Medicare coverage in the past 24 months?  No: The rest of the form does not need to be completed. Please sign and date the second page and return to AultCare.  Yes: Please complete entire form, sign, date, and return to AultCare.

Do you have health insurance in which you are the enrollee/policyholder for other than this AultCare plan?  Yes: Complete below  No: Previous Carrier Termination Date OTHER Coverage:  Active plan  Retiree plan  COBRA  Individual plan  Medicare Insurance Name Group # Effective Date Current Employer Name Who is covered under OTHER plan?

Check coverage(s):  Medical  Dental  Vision  Prescription  Supplemental/Medicaid

PART 2

SPOUSE INFORMATION (complete if married)

Spouse’s Name Date of Birth Date of Marriage Is spouse employed?  No  Yes If Yes, Name of Employer Does spouse have other coverage?  No   Part-time  Benefits not offered  Unemployed  Self-employed  Cost  Waiting period  Eligible for coverage date _____________  Date prior coverage terminated ______________  Yes  OTHER coverage:  Active plan  Retiree plan  COBRA  Individual plan  Medicare Policyholder’s Name ID # Group # Insurance Name

Effective Date

Who is covered under spouse’s plan?

Check coverage(s):  Medical  Dental  Vision  Prescription  Supplemental/Medicaid

PART 3

CHILDREN INFORMATION

Children’s First and Last Names

Relationship  Natural child of enrollee & spouse  Natural child of spousePart 4

 Natural child of enrolleePart 4  Other______________Part 4

 Natural child of enrollee & spouse  Natural child of spousePart 4

 Natural child of enrolleePart 4  Other______________Part 4

 Natural child of enrollee & spouse  Natural child of spousePart 4

 Natural child of enrolleePart 4  Other______________Part 4

 Natural child of enrollee & spouse  Natural child of spousePart 4

 Natural child of enrolleePart 4  Other______________Part 4

If additional space is needed, please use page 3.

For any children age 18 or older who have insurance coverage other than through a natural/step parent, please complete part 4A.

DIVORCED, LEGALLY SEPARATED, SINGLE PARENT, OR OTHER

PART 4

Group # Enrollee Name Member ID # Please complete all information in this section for each child covered under your plan who have a different biological parent other than the enrollee and spouse listed on the first page. If not previously provided, court documentation and/or divorce decrees must be submitted to AultCare in order to accurately update your records.

Child’s Name

Is their address the same as the enrollee?  Yes  No

If no, provide Address If 17 or older, please provide date of graduation from high school Name of Other Biological/Adoptive Parent

Parent’s Date of Birth

Other Parent’s Address Does child(ren) have insurance coverage other than this AultCare plan?  Yes  No Same as spouse’s coverage?  Yes  No If no, please complete the information below.

Policyholder’s Name Relationship to Child Insurance Name

Effective Date

Term Date

PART 5

MEDICARE INFORMATION (Please complete for all Medicare recipients)

PART 4 A

CHILDREN WITH INSURANCE COVERAGE OTHER THAN A PARENT’S PLAN

Check coverage(s):  Medical  Dental  Vision  Prescription  Supplemental/Medicaid Child’s Name Is insurance coverage available through adult child’s employer?  Yes  No Policyholder’s Name Relationship to Child Insurance Name Effective Date Term Date Check coverage(s):  Medical  Dental  Vision  Prescription  Supplemental/Medicaid Name___________________________________ Part A Effective Date _______________ Part B Effective Date _______________ Part D Effective Date _______________ Reason for Medicare coverage:  Age 65 or older  Disabled  End Stage Renal Disease (ESRD) Date dialysis treatment began _______________ Dialysis started at  Facility  Self/home dialysis Date of kidney transplant _______________

Name___________________________________ Part A Effective Date _______________ Part B Effective Date _______________ Part D Effective Date _______________ Reason for Medicare coverage:  Age 65 or older  Disabled  End Stage Renal Disease (ESRD) Date dialysis treatment began _______________ Dialysis started at  Facility  Self/home dialysis Date of kidney transplant _______________

INSURANCE FRAUD WARNING: Any person who, with intent to defraud or knowing that he or she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. I acknowledge that AultCare may use and disclose my protected health information, as well as, the protected health information of my family for payment, treatment, and operations. This information may be disclosed to other insurance companies, third party administrators, state and federal agencies, health care providers and other organizations and persons that perform professional, business, or insurance functions for AultCare, as permitted by state and federal law. The information may be used for, but not limited to, processing enrollment applications, risk classifications, detecting or preventing fraud, internal and external audits, claims administration, case management, quality improvement programs, public health reporting, law enforcement investigations, coordination of benefits, medical management programs, and subrogation.

Enrollee’s Signature _____________________________________________ Date __________________ Enrollee’s Phone Number _________________________ Email ____________________________________ Please mail or fax this form to: AultCare Attn: COB, PO Box 6910 Canton, OH 44706 or 330-363-7746 Attn: COB Note: If any changes occur during the year, please notify AultCare at 330-363-6360 | 1-800-344-8858 | TTY: 711.

7496/22

Reviewed: 01/2022

INJURY/ACCIDENT QUESTIONNAIRE Mail the completed form to: PO Box 6910 Canton, OH 44706 Group Number

Member ID

Member Name

Patient Name

All claims related to this injury/accident questionnaire will be DENIED until this questionnaire is fully completed and returned. If you have any questions, please contact AultCare at 330-363-6360 or 1-800-344-8858 (TTY: 711).

1. What was the date of your injury/accident?

2. How did your injury/accident occur? _____________________________________________________________ __________________________________________________________________________________________ 3. Where did the injury/accident occur? (Please select the appropriate box.)  Auto/motorized vehicle  Home  Business Property (Commercial)  Private Property  Medical treatment related  Work (If yes, was a workers’ compensation claim filed?)  Yes  No  There was no accident, sudden onset (Please contact AultCare) Please sign and return form, or contact the Service Center.  Other, please specify ________________________________________________________________________ 4. Automobile Accident Information a. If an automobile accident, were you  a driver,  a passenger,  a pedestrian? b. If this was an auto accident, were all the covered family members involved wearing seatbelts at the time of the accident?  Yes  No c. If accident involved a motorcycle or recreational vehicle, was a helmet worn at the time of the accident?  Yes  No d. If this was a motor vehicle accident, were you or a covered family member under the influence of drugs or alcohol?

(Includes all motorized recreational vehicles, boats, etc.)  Yes  No e. Is there a police report?  Yes  No If yes, where can we obtain a copy? ______________________________________________________________

8195/24

Group Number

Member ID

Member Name

Patient Name

5. Other insurance carrier information where a claim has been filed Insurance name Address Phone number

Claim number

Adjuster name

6. Were you responsible for the accident?  Yes  No If yes, please sign and return the form. Do not complete questions 8-10.

7. Was another party responsible for your accident?  Yes  No 8. a. What is the name, address and telephone number of the party responsible for your accident?

Name Address Phone number b. What is the name, address and telephone number of the other party’s insurance carrier?

What is the claim number and adjuster name?

Insurance name Address Phone number

Claim number

Adjuster name

9. Have any payments been made for expenses incurred as a result of this accident?  Yes  No If yes, please explain. _________________________________________________________________________ ________________________________________________________________________________________ 10. Have you retained an attorney?  Yes  No If yes, what is the name, address, and telephone number of your attorney?

Name Address Phone number INSURANCE FRAUD WARNING: Any person who, with intent to defraud or knowing that he or she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. I acknowledge that AultCare may use and disclose my protected health information, as well as, the protected health information of my family for payment, treatment, and operations. This information may be disclosed to other insurance companies, third party administrators, state and federal agencies, health care providers and other organizations and persons that perform professional, business, or insurance functions for AultCare, as permitted by state and federal law. The information may be used for, but not limited to, processing enrollment applications, risk classifications, detecting or preventing fraud, internal and external audits, claims administration, case management, quality improvement programs, public health reporting, law enforcement investigations, coordination of benefits, medical management programs, and subrogation.

I hereby authorize the plan administrator is entitled to recover claim payments made on my behalf, from any future settlement in my favor, from the third party of other insurance carriers responsible for my accident and corresponding claim(s) outlined above.

Recovery can also be made from me if I receive the settlement directly from the third party or other insurance carrier.

I hereby authorize the plan administrator to forward copies of claims to the insuring company and attorney.

I hereby authorize release of any information necessary to verify or investigate items pertaining to this accident.

Signature __________________________________________________________ Date _________________________ Relationship to the patient _______________________________________

Reviewed: 05/2024

DESIGNATION OF AUTHORIZED REPRESENTATIVE FORM You have the right to appoint a representative, including an attorney, to act on your behalf. This form is used to confirm permission to discuss with or disclose a person’s Protected Health Information (PHI) held by the affiliated entities AultCare Corporation, AultCare Health Insuring Corporation (AHIC) which also does business as PrimeTime Health Plan, Aultra Administrative Group (AAG), and AultCare Insurance Company (AIC) which also does business as AultCare HMO, to a particular individual who acts as the person’s personal representative. We are not always required to grant such access, but each request will be carefully reviewed and approved if warranted. Use of this information is strictly limited to that purpose.

Name

Date of Birth

Member ID Number

Group Number

I hereby authorize the following person to act as my personal representative as indicated below (must fill out).

Name of Representative

Relationship

Password the personal representative must provide to access PHI about me OR  No Password Needed I understand I have the right to limit the information released under this authorization. For example, I may limit my personal representative’s access to information about a particular issue. Any such limitations must be described below in writing. However, if my authorization is for use/disclosure of substance abuse information, I understand the recipient may be prohibited from disclosing substance abuse information under the Federal Substance Abuse Confidentiality Requirements. Therefore, I release the affiliated entities AultCare Corporation, AultCare Insurance Company, and Aultra Administrative Group from all liability arising from this disclosure of my health information. Note: State law mandates that authorizations are limited to 12 months. This form will expire upon 12 months from the date of signature unless an earlier date is noted here. The following items must be checked to be included in the use and/or disclosure of health information pursuant to this Authorization (by leaving this section blank, I am imposing the following limitations on disclosure).  (a) HIV/AIDS related information and/or records  (b) Mental health information and/or records  (c) Genetic testing information and/or records  (d) Drug/alcohol diagnosis, treatment Any other limitations described here: _________________________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________ ____________________________________________________________________________________________

continued on reverse

I understand this authorization is voluntary and I may revoke this authorization at any time by providing written notice of such revocation to the health plan, except to the extent that action has been taken in reliance on this authorization.

I have had full opportunity to read and consider the content of this form. I understand this authorization is consistent with my request. I understand, by signing this form, I am confirming my authorization that the health plan may use and/or disclose my PHI to the person named as personal representative for the purpose as described above.

Signature _______________________________________________________________ Date _________________ Form must be signed by member. If form is signed by Power of Attorney or Legal Representative, a copy of documentation of position must be in AultCare’s receipt or attached to form. Please designate position held.

Please return the completed form to: ATTN: Privacy Coordinator, PO Box 6029, Canton, OH 44706.

7562/22

Reviewed: 07/2022

(S)ummary of (B)enefits and (C)overage GUIDELINES

Attachment #1: Employer Guide to SBC’s Attachment #2: Sample SBC Attachment #3: Glossary of Health Coverage and Medical Terms

EMPLOYER GUIDE SUMMARY OF BENEFITS AND COVERAGE GLOSSARY OF HEALTH COVERAGE AND MEDICAL TERMS

Summary of Benefits and Coverage On Feb. 14, 2012, the Departments of Treasury, Internal Revenue Service, Labor, Health and Human Services, and Employee Benefits Security Administration released a final rule that implemented disclosure requirements under section 2715 of the Public Health Service Act. This health insurance market reform under the Patient Protection and Affordable Care Act requires group health plans and health insurance issuers in the group market to provide a summary of benefits and coverage and uniform glossary to members of their health plans.

Final Regulations were again issued in June 2015. A revised SBC template and uniform glossary was finalized for Plan Year 2021.

What’s an SBC and a Uniform Glossary?

Table of Contents • What’s an SBC and a Uniform Glossary?

• What is Culturally and Linguistically Appropriate Manner?

• How do I meet the Electronic Disclosure requirements to distribute the SBC to my employees?

• What happens if I fail to comply?

• Who will provide me with the materials I need for distribution to my employees?

• When will I receive my SBC? • Who should receive the SBC? • When do I need to distribute the materials?

• FAQs

The Summary of Benefits and Coverage or “SBC” and Glossary of Health Coverage and Medical Terms or “Uniform Glossary” are designed to help consumers better understand their health coverage and allow for easy comparison of other coverage options when shopping, applying, enrolling and re-enrolling into a health plan. The SBC is a resource for your employees that will summarize your health plan options including: • Deductible

Insurance Company 1: Plan Option 1

Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Coverage Period: 01/01/2013 – 12/31/2013 Coverage for: Individual + Spouse | Plan Type: PPO

This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.[insert] or by calling 1-800-[insert].

Important Questions

Answers

What is the overall deductible?

You must pay all the costs up to the deductible amount before this plan begins to pay for $500 person / covered services you use. Check your policy or plan document to see when the deductible $1,000 family starts over (usually, but not always, January 1st). See the chart starting on page 2 for how Doesn’t apply to preventive care much you pay for covered services after you meet the deductible.

Why this Matters:

Are there other deductibles for specific services?

Yes. $300 for prescription drug coverage. There are no other specific deductibles.

Is there an out–of– pocket limit on my expenses?

Yes. For participating providers $2,500 person / $5,000 The out-of-pocket limit is the most you could pay during a coverage period (usually one family year) for your share of the cost of covered services. This limit helps you plan for health For non-participating providers care expenses. $4,000 person / $8,000 family

What is not included in the out–of–pocket limit?

Premiums, balance-billed charges, and health care this plan doesn’t cover.

Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

Is there an overall annual limit on what the plan pays?

No.

The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.

Does this plan use a network of providers?

Yes. See www.[insert].com or call 1-800-[insert] for a list of participating providers.

If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers.

Do I need a referral to see a specialist?

No. You don’t need a referral to You can see the specialist you choose without permission from this plan. see a specialist.

Are there services this plan doesn’t cover?

Yes.

Some of the services this plan doesn’t cover are listed on page 4. See your policy or plan document for additional information about excluded services.

OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146 Corrected on May 11, 2012

• In- and out-of-network provider coverage • Coverage of common medical events • Excluded services

You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services.

Questions: Call 1-800-[insert] or visit us at www.[insert].

If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.[insert] or call 1-800-[insert] to request a copy.

• Out-of-pocket and annual limits

1 of 8

• Common covered services • Rights to continue coverage • Member grievance and appeal rights • Coverage examples for having a baby and managing type 2 diabetes The “Uniform Glossary” lists commonly used terms in insurance coverage. You can access the glossary by logging on to www.aultcare.com.

What is Culturally and Linguistically Appropriate Manner?

Who will provide me with the materials I need for distribution to my employees?

This requirement provides employees and dependents the option to request their SBC in a non-English language if they reside in a county that meets or exceeds a 10 percent threshold of non-English speaking residents. The SBC that we provide will contain directions for non-English speaking individuals to receive further information in their non-English language.

As your health issuer or third-party administrator, we are committed to providing you with the tools that you need to meet this regulatory requirement.

How do I meet the Electronic Disclosure requirements to distribute the SBC to my employees?

Under the Department of Labor Electronic Disclosure requirement, if your employees are able to effectively access documents provided in electronic format at their worksite (i.e. e-mail) and this access is a part of their duties as an employee, you can send the SBC to them electronically. You can also allow the employees to elect to receive their SBC electronically.

Eligible employees (not currently enrolled) can receive the SBC electronically as long as a paper version option is available upon request. You can accomplish this by email, e-card, posting on your intranet or sending a postcard.

What happens if I fail to comply?

POTENTIAL FINES AND PENALTIES • Up to $1,000 per day (adjusted for inflation) for each instance of willing non-compliance • A fine of $100 per day per affected individual until compliant

• We will provide you with an SBC master copy for distribution (electronically or paper copy) for your employees, dependents and eligible employees for health insurance coverage. This will include an SBC for each benefit package you offer and a new SBC when coverage changes.

• Continuously monitor changes to regulation that may impact you.

When will I receive my SBC? We will deliver your SBC to you at the following times: • Upon my application for coverage or within 7 days • Within 7 days upon my request • If terms of my plan are not yet final, upon the first day of coverage • Upon changes to my plan • If automatically re-enrolled, a new SBC will be provided at that re-enrollment

Who should receive the SBC? If you have an employee and all of the dependents reside at one address, only one SBC is required to be distributed.

However, if an employee has dependents who have an alternate address, you are required to distribute an SBC to those alternate addresses.

You are also required to distribute an SBC to all of your employees who are eligible for health insurance coverage, even if they are not currently enrolled in your health plan.

When do I need to distribute the materials?

OPEN ENROLLMENT You need to provide the SBC with open enrollment materials. If you do not hold an open enrollment period, provide the SBC no later than the first date your employees are eligible to enroll for coverage.

ONLINE ENROLLMENT If you offer online enrollment, you are permitted to provide the SBC at the time of online enrollment or online renewal of coverage electronically but must provide the option to receive a paper copy.

Frequently Asked Questions 1. Does this regulation impact small and large groups?

Yes. Whether you are a small or large employer group, the SBC requirements apply to your health plan.

2. Does this apply to both fully insured and self-insured plans?

Yes, this impacts both fully insured and selfinsured plans.

3. Am I exempt because I am in a “grandfathered” plan?

No, the SBC requirement applies to both “grandfathered” and “non-grandfathered” plans.

AUTOMATIC RENEWAL If you have an automatic renewal, the SBC must be provided 30 days prior to the first day of the new plan year. This SBC will reflect the plan that the employee and dependents are currently enrolled.

4. Do I need an SBC for stand-alone dental or vision benefits?

UPON REQUEST If you have an employee or dependent who requests an SBC or Uniform Glossary, you must fulfill the request within seven business days. If the request is online, then you can deliver it electronically but you must provide the option to receive a paper copy.

5. Can I combine the SBC and Uniform Glossary with other documents?

SBC CHANGES If the SBC changes from what was distributed at enrollment, you must provide an updated SBC prior to the first day of coverage.

SPECIAL ENROLLMENT For Special Enrollment, you must provide an SBC within 90 days after they enrolled in your plan.

No, the SBC regulations do not apply to standalone excepted benefits. Excepted benefits are generally benefits that require the individual to pay an additional premium.

Yes, as long as the SBC is displayed at the beginning.

6. Do COBRA enrollees receive SBCs? Yes, COBRA enrollees have the same rights as other enrollees to receive SBCs.

7. Do I have to provide the SBC and Uniform Glossary in color?

No, you are permitted to provide in color or grayscale.

MIDYEAR BENEFIT CHANGES If you make a midyear change to your plan that changes the content of your SBC, you must provide a 60-day advance notice to employees. This can be complete via a new SBC or a separate notice (summary of material modification).

2600 Sixth Street SW • Canton, Ohio 44710 • 330-363-6360 • 1-800-344-8858 • TTY: 711 • www.aultcare.com INSURANCE

7582/22

COMPANY

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services : GROUP PURCHASING PLAN III

Coverage Period: Beginning on or after 01/01/2022 Coverage for: Individual/Family Plan Type: PPO

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, contact AultCare at 330-363-6360 or go to www.aultcare.com. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at www.aultcare.com or call 330-363-6360 or 1-800344-8858 to request a copy.

Important Questions

Answers

Why This Matters:

What is the overall deductible?

For network providers $200 Individual / $400 Family For out-of-network providers $600 Individual / $1,200 Family

Generally, you must pay all of the costs from providers up to the calendar year deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.

Are there services covered before you meet your deductible?

Yes. Network preventive care and This plan covers some items and services even if you haven’t yet met the deductible amount.

But a copayment or coinsurance may apply. For example, this plan covers certain preventive services that apply a copayment are covered before you meet your services without cost sharing and before you meet your deductible. See a list of covered deductible. preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/.

Are there other deductibles for specific services?

No.

What is the out-of-pocket limit for this plan?

What is not included in the out-of-pocket limit?

You don’t have to meet deductibles for specific services.

For network medical providers $700 Individual / $1,400 Family The out-of-pocket limit is the most you could pay in a calendar year for covered services. If you For out-of-network providers have other family members in this plan, they have to meet their own out-of-pocket limits until $2,100 Individual/ $4,200 Family the overall family out-of-pocket limit has been met.

For Prescription Drugs $8,000 Individual/ $16,000 Family Premiums, balance-billing charges, Prescription medication coupon, discount, or other manufacturer Even though you pay these expenses, they don’t count toward the out-of-pocket limit. assistance programs for Specialty or other qualified medications, and health care this plan doesn’t cover.

(DT - OMB control number: 1545-0047/Expiration Date: 12/31/2019) Embedded Deductible & OOP, Non-Integrated MOOP (DOL - OMB control number: 1210-0147/Expiration date: 5/31/2022) (HHS - OMB control number: 0938-1146/Expiration date: 10/31/2022)

Page 1 of 8

Important Questions

Answers

Why This Matters:

Will you pay less if you use a network provider?

This plan uses a provider network. You will pay less if you use a provider in the plan’s network.

Yes. See www.aultcare.com or You will pay the most if you use an out-of-network provider, and you might receive a bill from a call 330-363-6360 or 1-800-344provider for the difference between the provider’s charge and what your plan pays (balance 8858 for a list of network providers. billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

Do you need a referral to see a specialist?

No.

You can see the specialist you choose without a referral.

[* For more information about limitations and exceptions, see the plan or policy document at www.aultcare.com.]

Page 2 of 8

All coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

Common Medical Event

If you visit a health care provider’s office or clinic

If you have a test

If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.aultcare.com

Services You May Need

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Limitations, Exceptions, & Other Important Information

Primary care visit to treat an injury or illness

$10 copayment/visit

30% coinsurance

None

Specialist visit

$10 copayment/visit

30% coinsurance

None

No cost share

30% coinsurance

You may have to pay for services that aren’t preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for.

10% coinsurance

30% coinsurance

None

10% coinsurance

30% coinsurance

None

Preventive care/screening/ immunization Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs)

Preferred Generic drugs (Tier 1)

Retail 1-34 day supply: $10 copayment or 20% coinsurance, whichever is greater; Retail 35-60 day supply: $20 copayment or 20% coinsurance, whichever is greater; Mail order 90-day supply: $25 copayment or 20% coinsurance, whichever is greater

Preferred Brand / NonPreferred Generic drugs (Tier 2)

Retail 1-34 day supply: $30 copayment or 30% coinsurance, whichever is greater; Mail order 90-day supply: $85 copayment or 25% coinsurance, whichever is greater, up to a maximum of $200

Non-Preferred Brand / NonPreferred Generic drugs (Tier 3)

Retail 1-34 day supply: $45 copayment or 50% coinsurance, whichever is greater; Mail order 90-day supply: $130 copayment or 45% coinsurance, whichever is greater, up to a maximum of $400

[* For more information about limitations and exceptions, see the plan or policy document at www.aultcare.com.]

Deductible does not apply. A 34-day supply is available at the retail pharmacy for brand name prescription drugs. Up to a 60-day supply of Preferred generic prescription drugs is available at the retail pharmacy, and a 90-day supply of generic or brand name prescription drugs are available at the mail order program.

Specialty/Limited Distribution Medications are limited to a 30-day supply. If a prescription drug is purchased without using your card, this Plan will pay up to the allowed amount.

Specialty Medications must be obtained from AultCare’s Preferred Specialty pharmacies. Prescription medication coupon, discount, or other manufacturer assistance programs for Specialty or Page 3 of 8

Common Medical Event

If you have outpatient surgery

If you need immediate medical attention

If you have a hospital stay

If you need mental health, behavioral health, or substance abuse services

Services You May Need

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Limitations, Exceptions, & Other Important Information other qualified medications will not apply toward your Deductible or Out-of-Pocket Maximum.

Certain preventive medications may be covered at 100%, with no cost to You. Also, certain classes of medications require a Prior Authorization or Step Therapy. For a complete list of these medications please visit the AultCare website at www.aultcare.com.

Specialty Generic (Tier 4) **Limited to a 30-day fill

Retail or Mail order: $10 copayment or 20% coinsurance, whichever is greater

Specialty Brand (Tier 5) ***Limited to a 30-day fill

Retail or Mail order: $125 copayment or 20% coinsurance, whichever is greater

Facility fee (e.g., ambulatory surgery center)

10% coinsurance

30% coinsurance

None

Physician/surgeon fees

10% coinsurance

30% coinsurance

None

Emergency room care

$75 copayment/visit

$75 copayment/visit

Deductible does not apply to this service.

Emergency medical transportation

20% coinsurance

20% coinsurance

Network deductible will apply.

Urgent care

$50 copayment/visit

$50 copayment/visit

Deductible does not apply to this service.

Facility fee (e.g., hospital room)

10% coinsurance

30% coinsurance

Preauthorization is required.

Physician/surgeon fees

10% coinsurance

30% coinsurance

None

Outpatient services

Benefits paid based on the corresponding medical benefit.

Benefits paid based on the corresponding medical benefit.

Services for Mental Health, Behavioral Health, or Substance Abuse are payable on the same basis as any other illness.

Inpatient services

10% coinsurance

30% coinsurance

Preauthorization is required.

[* For more information about limitations and exceptions, see the plan or policy document at www.aultcare.com.]

Page 4 of 8

Common Medical Event

If you are pregnant

Services You May Need

Limitations, Exceptions, & Other Important Information

Office visits

Benefits paid based on the corresponding medical benefit.

Benefits paid based on the corresponding medical benefit.

Cost sharing does not apply to certain preventive services. Depending on the type of service, a copayment, deductible or coinsurance may apply.

Childbirth/delivery professional services

10% coinsurance

30% coinsurance

None

Childbirth/delivery facility services

10% coinsurance

30% coinsurance

Preauthorization is required.

Home health care

10% coinsurance

30% coinsurance

Preauthorization is required. Coverage is limited to 60 visits per calendar year.

30% coinsurance

Must be injury/illness related. Manipulation therapy is limited to 35 treatments per calendar year.

Rehabilitation services

If you need help recovering or have other special health needs

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

10% coinsurance

Habilitation services

Benefits paid based on the corresponding medical benefit.

Benefits paid based on the corresponding medical benefit.

Coverage is limited to Autism Spectrum Disorder. Services are limited to the following: Speech/Language/Occupational Therapy - 20 visits per calendar year for each service; and Clinical Therapeutic Intervention including ABA at 20 hours per week; and Mental/ Behavioral Health Outpatient Services.

Skilled nursing care

10% coinsurance

30% coinsurance

Preauthorization is required. Coverage is limited to 50 days per calendar year.

Durable medical equipment

10% coinsurance

30% coinsurance

Preauthorization is required for a single item with a purchase price over $2,500.

Hospice services

10% coinsurance

30% coinsurance

Preauthorization is required.

[* For more information about limitations and exceptions, see the plan or policy document at www.aultcare.com.]

Page 5 of 8

Common Medical Event

Services You May Need

What You Will Pay Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

Children’s eye exam

No cost share

30% coinsurance

Children’s glasses

Not covered

Not covered

Children’s dental check-up

Not covered

Not covered

If your child needs dental or eye care

Limitations, Exceptions, & Other Important Information Coverage is provided for vision screening for all children at least once between the ages of 3 and 5 years, to detect the presence of amblyopia or its risk factors.

Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)  Abortion (except in cases of rape, incest,  Dental Care (adult)  Non-Emergency care when traveling outside or when the life of the mother is  Hearing Aids the U.S. endangered)  Long Term Care  Routine Eye Care (Adult)  Acupuncture  Routine Foot Care  Bariatric Surgery  Weight Loss Programs  Cosmetic Surgery Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)  Habilitation Services  Chiropractic Care  Private Duty Nursing  Infertility Treatment Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: for group health coverage subject to ERISA, contact Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA(3272) or www.dol.gov/ebsa/healthreform; for non-federal governmental group health plans, contact Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov. Church plans are not covered by the Federal COBRA continuation coverage rules. If the coverage is insured, individuals should contact their State insurance regulator regarding their possible rights to continuation coverage under State law.

Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: for group health coverage subject to ERISA, contact Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA(3272) or www.dol.gov/ebsa/healthreform or call the Ohio Department of Insurance 1-800-686-1526; for non-federal governmental group health plans and church plans that are group health plans, contact AultCare at 1-800-344-8858 or call the Ohio Department of Insurance 1-800-686-1526. [* For more information about limitations and exceptions, see the plan or policy document at www.aultcare.com.]

Page 6 of 8

Does this plan provide Minimum Essential Coverage? Yes Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit.

Does this plan meet the Minimum Value Standards? Yes If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

Language Access Services: [Spanish (Español): Para obtener asistencia en Español, llame al 330-363-6360 / 1-800-344-8858.]

[Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 330-363-6360 / 1-800-344-8858.]

[Chinese (中文): 如果需要中文的帮助, 请拨打这个号码 330-363-6360 / 1-800-344-8858.]

[Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 330-363-6360 / 1-800-344-8858.]

To see examples of how this plan might cover costs for a sample medical situation, see the next section.

PRA Disclosure Statement: According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-1146. The time required to complete this information collection is estimated to average 0.08 hours per response, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 212441850.

[* For more information about limitations and exceptions, see the plan or policy document at www.aultcare.com.]

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About these Coverage Examples: This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost-sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

Peg is Having a Baby

Managing Joe’s Type 2 Diabetes

Mia’s Simple Fracture

(9 months of in-network pre-natal care and a hospital delivery)

(a year of routine in-network care of a wellcontrolled condition)

(in-network emergency room visit and follow up care)

 The plan’s overall deductible  Specialist copayment  Hospital (facility) coinsurance  Other coinsurance

$200 $10 10% 10%

 The plan’s overall deductible  Specialist copayment  Hospital (facility) coinsurance  Other coinsurance

$200 $10 10% 10%

 The plan’s overall deductible  Specialist copayment  Hospital (facility) coinsurance  Other coinsurance

$200 $10 10% 10%

This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

Total Example Cost

Total Example Cost

$5,600

Total Example Cost

$2,800

$200

In this example, Mia would pay: Cost Sharing Deductibles

$200

$12,700

In this example, Peg would pay: Cost Sharing Deductibles

$200

In this example, Joe would pay: Cost Sharing Deductibles

Copayments

$10

Copayments

$580

Copayments

$100

Coinsurance

$500

Coinsurance

$90

Coinsurance

$240

$60 $770

What isn’t covered Limits or exclusions The total Joe would pay is

$20 $890

What isn’t covered Limits or exclusions The total Mia would pay is

$0 $540

What isn’t covered Limits or exclusions The total Peg would pay is

The plan would be responsible for the other costs of these EXAMPLE covered services.

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MISCELLANEOUS

Attachment #1: Urgent Care and After-Hours Clinic Information Attachment #2: AultLine Attachment #3: Prescription Information Website Attachment #4: A Guide to Our Services

T E L E H E A LT H

A faster, easier way to see a provider.

The provider is always in _ midnight or midday, we’re available. Sign up today!

Consult with a provider by smartphone, tablet or computer.

• • • • •

Affordable, easy and convenient Your choice of U.S. board-certified providers No appointment, no waiting 24/7/365 mobile or web access Consultation, diagnosis, and prescriptions (when appropriate)

Download Now! Search the App Store or Google Play for “AultmanNow” Step 1: Enroll to create your account Step 2: Select the provider you’d like to see If you are unable to use the mobile app, you can call 844-606-1603 for a telephonic appointment.

You have the right to assistance and information in your language at no cost. To speak with an interpreter, call 330-363-6360 (TTY 711).

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 330-363-6360 (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330-363-6360（TTY：711）。AultCare/Aultra complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

T E L E H E A LT H

www.aultmannow.com 7673/22

powered by T E L E H E A LT H

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You have the right to assistance and information in your language at no cost. To speak with an interpreter, call 330-363-6360 (TTY 711).

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 330-363-6360 (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330-363-6360（TTY：711）。AultCare/Aultra complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

ME

$

EY

SA

11 12 1 10 2 9 3 8 4 7 6 5

AN D

VE TI

MON

Emergency Room

Retail Health Clinic

BE PREPARED Get the right care. Whether that’s finding the right doctor, specialist, therapist or something else altogether. Just use the Find a Provider button at www.aultcare.com or contact AultCare at aultcare@aultcare.com or 330-363-6360 (toll-free: 1-800-344-8858, TTY: 711).

Find care near you whenever you need it. You get in-network coverage at hospitals, ambulatory care facilities and providers throughout a five-county area in Stark, Wayne, Holmes, Tuscarawas and Carroll Counties. With location options in more places, AultCare gives you more.

Who usually provides care

Average wait time and cost

Doctors trained in emergency medicine

For non-emergencies:

Physician assistants or nurse practitioners

Walk-in Doctor’s Office

Family practice doctors

Urgent Care Center

Doctors who treat conditions that should be looked at right away

AultmanNow

Board-certified providers

4 hours $1,145

When to go • Symptoms feel life-threatening or disabling • Chest pain or severe shortness of breath • Major injury or broken bones • Sudden or unexplained loss of consciousness

30 minutes $92

• Allergic reactions (minor) • Bumps, cuts, scrapes, rashes • Burning with urination • Burns (minor) • Cold, cough and sore throat • Sinus pain and fever (minor) • Eye or ear pain or irritation • Shots

30 minutes $102

Same as retail health clinic plus ...

• Asthma (mild) • Back pain • Nausea or diarrhea • Headache (minor)

30 minutes $133

Same as walk-in doctor’s office plus ...

• Animal bites • Sprains and strains • Stitches • X-rays

10 minutes $65

• Cold & flu symptoms • Allergies • Sinus problems • Respiratory infection • Skin problems • And more!

Do you have health related questions or concerns? By calling 330-363-7620 or 1-866-422-9603, an operator will take your information and an experienced registered nurse will return your call.

Money-saving tip Visit hospitals and doctors that are in your plan. If you don’t, you’ll often pay much more out-of-pocket for your care.

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AULTLINE 24/7 AultCare provides telephonic health services 24 hours a day, 7 days a week. If you have health-related questions or concerns, contact AultLine at 330-363-7620 or 1-866-422-9603 to speak with a trained medical professional

YOUR TRUSTED SOURCE OF INFORMATION AND SUPPORT AultLine is a trusted source of information and support for a wide range of health concerns and topics. You can find answers to questions regarding family health, medication, illness, injury first aid, and much more. Calls are confidential and free of charge.

If you have an emergency, call 911 or go to the emergency room.

AultLine is unable to assist with questions regarding benefits or claims. If you have questions, please contact AultCare during normal business hours for assistance.

HEALTH–RELATED QUESTIONS OR CONCERNS? Do you have health­–related questions or concerns?

When you contact AultLine, an operator will take your information, and an experienced, registered nurse will return your call.

Contact AultLine if you have questions or concerns regarding: » First aid instructions » General health information » Determination of what level of care is most appropriate for your condition » Answers for your medication questions » Suggestions for self-care

CONTACT US 330-363-6360 | 1-800-344-8858 www.aultcare.com

you you

matter

OPTUMRX® ONLINE RESOURCES The OptumRx website and mobile app provide tools and information to help you take care of yourself and your pharmacy benefits. It’s easy to track an order, search for a lower-cost medication, sign up for home delivery, and more.

MANAGE YOUR PRESCRIPTION NEEDS ON YOUR MEMBER ACCOUNT To access your OptumRx account: 1. Visit the AultCare website (www.aultcare.com).

2. Log in to your AultCare online member account.

3. Once you are logged into your member account, click the My Resources tab.

4. Select OptumRx to be directed to your OptumRx account.

MANAGE YOUR PRESCRIPTION NEEDS ON THE AULTCARE APP To access your account using your mobile device: 1. If you have not done so, download the AultCare app from the Apple App Store® or Google Play™.

2. Sign into the AultCare app using the same username and password as your online member account.

3. At the bottom of your screen, select More.

4. Click My Resources and a drop down menu will appear.

5. Select OptumRx to be directed to your OptumRx account.

CONTACT US 330-363-6360 | 1-800-344-8858 www.aultcare.com

you you

matter

Save time and manage your health using these optumrx.com tools: Place an order – Skip the pharmacy line and order medications you take regularly — you’ll get a 90-day supply delivered to your home and may pay less Price a drug – Compare costs from different pharmacies or find lower-cost alternatives for possible savings

Order status – Track your home delivery medication status

Pharmacy locator – Find the closest network pharmacy

Notifications and reminders – Set up text message pharmacy notifications and/or reminders to take your medication or refill a prescription Benefit lookup – View real-time benefit information and your plan’s prescription drug list My prescriptions – Manage home delivery medication renewals, delivery status and more Savings Advisor – See opportunities to save on your prescriptions And with the app, you can do all of the above, plus refill a prescription by scanning your medication’s barcode or sending a photo of the pill bottle.

All Optum trademarks and logos are owned by Optum, Inc. All other trademarks are the property of their respective owners.

If you, or someone you are helping, have questions about AultCare/Aultra you have the right to get help and information in your language at no cost. To speak with an interpreter, call Local: 330-363-6360 Outside Stark County: 1-800-344-8858 TTY Local: 711 Outside Stark County: 711.

Si usted, o alguien a quien usted está ayudando, tiene preguntas acerca AultCare/Aultra tiene derecho a obtener ayuda e información en su idioma sin costo alguno. Para hablar con un intérprete, llame al Local: 330-363-6360 Fuera del condado de Stark: 1-800-344-8858 TTY Local: 711 Fuera del condado de Stark: 711. 如果您，或是您正在協助的對象，有關於AultCare/Aultra保险公司 方面的問題，您有權利免費以您的母語得到幫助和訊息。洽詢一位翻譯 員，請撥電話 本地：330-363-6360 斯塔克縣外：1-800-344-8858 TTY線本地：711 斯塔克縣外：711.

AultCare/Aultra complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

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PROGRAMS AND SERVICES Through our partnerships, coordination, products, network, and customer service, AultCare offers members a wide variety of programs and services. These programs and services provide a diverse spectrum of value to members towards their health and wellness.

Care Coordination AultCare’s Care Coordination program encompasses all of the clinical areas of AultCare including: » Utilization Management » Population Health Management » Case Management

» Disease Management » Pharmacy » Wellness

As an AultCare member, you may receive the following services: » » » »

Assistance with chronic illnesses Help with transitioning care Access to healthcare professionals Educational mailings

» Tele-monitoring programs for heart failure and diabetes » Assistance with navigating the healthcare system

24-Hour Nurse Hotline When it comes to your health, AultCare members can talk with an experienced, registered nurse and get advice or answers to their health-related questions day or night.

Please call 330-363-7620 or 1-866-422-9603 for additional assistance.

Online Health Library If you are preparing for surgery, living with a chronic condition, or want to take a more active role in your health, our online health library can empower you to take care of your health. The online health library can help you prepare for surgery and manage your health conditions.

The online health library delivers reliable information, created in collaboration with only board-certified physicians, and makes it easy to understand.

To view the online health library, visit www.aultcare.com/member-resources/health-and-wellness.

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Medical Cost Estimator In an effort to empower members to take control of their healthcare dollars, members have access to a Medical Cost Estimator. This program was designed to provide an estimate as to what members can expect to pay for a wide variety of in-network services and procedures, while taking into consideration their deductible/out-of-pocket expenses.

Advantages of the Medical Cost Estimator »

Compares costs of most common procedures between physicians, hospitals, and facility charges

»

Provides members with a greater transparency

»

By utilizing this tool, members have the opportunity to save money

Online Resources Throughout AultCare’s website, you are able to manage your account information including: reviewing your claims and Summary of Benefits, ordering ID cards, and accessing a wide variety of forms. AultCare’s website is also a great resource for many other health-related topics.

Health & Wellness » Provider directory » Health programs and services » Health information and tips

AultCare Blue Button » Organize and store medical information » Download text file » Share data with members of your care team

Prescription Information » » » »

Prescription history Money saving drug alternatives Detailed drug information National pharmacy search

Online Resources » Account statements » Benefits » Claims

Quick Forms » » » » »

Member card replacement Medical information Dental claim form Vision claim form Other coverage information

AultmanNow AultCare partners with AultmanNow, a convenient telehealth service for medical consultation, diagnosis, and prescriptions (when appropriate). Members of AultmanNow have 24/7/365 on-demand access to affordable medical care via phone and online video consultation.

Features of AultmanNow »

Access to a U.S. board-certified provider

»

Assessment of non-urgent and non-acute conditions

»

Beneficial to use on weekends and vacations

»

Addition of convenience and value to healthcare

T E L E H E A LT H

You have the right to assistance and information in your language at no cost. To speak with an interpreter, call 330-363-6360 (TTY 711).

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 330-363-6360 (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330-363-6360（TTY：711）。AultCare/Aultra complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

CONTACT US 330-363-6360 | 1-800-344-8858 | TTY 711 www.aultcare.com

you you

matter

YOUR ONLINE ACCOUNT AultCare’s online portal features an updated look and easy to access resources to enhance your experience and provide the tools you need to take an active role in your healthcare.

Follow these steps to login to your account: 1

Select Account Login on the homepage of www.aultcare.com.

2

Based on your account type (member, employer, provider, broker, or vendor), select the corresponding login button from the drop down menu.

3

If you are an existing AultCare member, you will need to register for a new account regardless if you had an account on our old platform. You can use the same username when you register, but you may need to update your password.

4

All new AultCare members will need to register for an online account.

Features available on your online account: My Costs – Accumulator information for easyto-read calculations of deductibles and out-ofpocket costs.

My Policy – Information regarding your policy and plan benefits.

My Claims – Information regarding claims, including claim status, payments, and owed payments. Use this feature to also find Explanation of Benefit information for each claim.

My ID Card – Access to your member ID card.

Through this feature, member ID cards can be downloaded, printed, or sent via postal mail.

CONTACT US 330-363-6360 | 1-800-344-8858 (TTY: 711) www.aultcare.com

Medical Cost Estimator – Review an estimate of expenses for in-network services and procedures.

Provider Search – Use our online directory to find an in-network provider.

A compilation of other resources are available on the platform but vary dependent on your plan.

• Pharmacy Benefit Manager* • HealthEquity* • Other Coverage Information • Explanation of Benefits FAQ *If applicable

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matter 7392/21

2021

A guide

to our services.

AultCare Health Plans

Helpful Tips

Things to have ready when you call us: > Your AultCare ID Card, which has your group information and member ID number > Your Explanation Of Benefits (EOB) form if you are calling about a claim (You can access your EOBs by going to www.aultcare.com and logging into your account.)

AultCare Service Center Contact Information > 330-363-6360 (local) > 1-800-344-8858 (toll-free) > TTY users should call: 711 > Monday - Friday 7:30 am - 5:00 pm EST

Special Communication Needs AultCare offers numerous services to meet the cultural and linguistic needs of our members. These services include access to translators of various foreign languages and a TTY line for the hearing impaired.

24-Hour Nurse Hotline Contact Information > 330-363-7620 > 1-866-422-9603 (toll-free)

AultCare Mailing Address: AultCare P.O. Box 6910 Canton, OH 44706

www.aultcare.com

2 About AultCare 4 Your Physician is Your Partner in Health & Wellness 6 Care Coordination - Disease Management Program - Case Management Program - Population Health Management Program - Utilization Management Program - Pharmacy Program 11

What’s Not Covered Filing a Claim 13

Grievance & Appeals 15 17

Enrollee Rights & Responsibilities

19

Privacy Practices

21 Frequently Asked Questions

23 Glossary

About

AultCare.

For 35 years, AultCare has provided quality healthcare plans at an affordable cost to the community it serves. Through the use of innovative plan designs, superior customer service, and a high-quality network, AultCare strives to satisfy enrollees and clients and remain committed to providing affordable healthcare plan options.

Not only do we help control healthcare costs, we are a health and wellness company full of valuable resources to prevent health concerns arising in the first place. Sometimes health issues are inevitable. We have programs and staff in place to help manage those issues, too.

Healthcare is complex and confusing, but it doesn’t need to be. Through use of our personalized customer service, our members can rely on AultCare for guidance navigating the healthcare system. AultCare is proud to support its members and serve as a trusted resource in the community.

2

Where You Matter We believe your healthcare plan should be focused on your needs, in ways that matter to you. From the network you choose to how you receive communication from us, our plans and services are designed with you in mind so that you can take an active role in your health. When you are covered by AultCare, you are part of our local family!

Advocate We help our members live healthier lives by giving them the tools and support that will help them take control of their health. If you are diagnosed with a health condition, our experienced Care Coordination team can identify your healthcare needs and provide you with programs and services you need.

When you call us, we pick up the phone.

You won’t get stuck in an automated answering system. When you have questions, we are here to help you. We make it easy for you to get information day or night. Meet with us in-person, call us to speak with a knowledgeable customer service representative, or visit our website at www.aultcare.com anytime you need answers.

24-Hour Free Nurse Line We offer our members a way to get credible health information and support 24 hours a day, 7 days a week. AultCare members can talk with an experienced registered nurse and get answers to their health-related questions and concerns by calling 330-363-7620 or toll-free 1-866-422-9603.

Calls are confidential.

Accurate Accuracy is at the heart of what we do.

Our processes are tested and streamlined, so you can trust that what you receive from us is dependable and accurate. We value your trust and are committed to giving you consistent, excellent service.

Recognition The National Committee for Quality Assurance (NCQA) has awarded our Commercial PPO, Commercial HMO, Medicare HMO, and Marketplace PPO products with NCQA Health Plan Accreditation.

Answers Prefer to use the internet? The AultCare website, www.aultcare.com, is your health and wellness hub and where you can manage your account.

On the website, you can: • Create an online account to manage your personal claim information, view your EOBs, download forms, and more • Look for providers • Find current health-related information • Tell us what matters to you by taking satisfaction surveys

A Guide to Our Services

3

Your Physician is Your Partner in Health & Wellness You should visit your primary care physician for regular checkups to maintain your best level of health and wellness.

Choosing a Doctor When you join AultCare, you can see any doctor in the network. If you need specialty care, your Primary Care Physician (PCP) can identify network doctors who treat your condition. You can also go to our website to search for a doctor in our network.

Begin your search by visiting www.aultcare.com.

You can identify and select network physicians according to the characteristics important to you, including: • Office location • Language spoken • Gender • Specialty • Hospital affiliations • Acceptance of new patients • Board certifications Customer service representatives are also available to help. They can help find a doctor who can meet your special or cultural needs.

4

Your physician may have more than one office.

Alternate offices and locations of your physician may be considered outside the network. Please refer to the online Provider Directory at www.aultcare.com or contact the AultCare Service Center at 330-363-6360 or 1-800-344-8858 to confirm if an office is in-network.

Refer to your plan documents for your physical and wellness benefits and for specific information about access to providers.

If you need mental health and/or substance abuse services and do not have a mental health provider, please contact your primary physician.

If your need is an emergency, go to the nearest emergency facility for evaluation. There are behavioral health providers available to you within your network.

In Case of Emergency If you have a medical problem that must be treated right away and it is outside your physician’s normal office hours, call his/her office and the physician on call will assist you.

If you have an emergency, call 911 or go to the nearest emergency care facility. You do not have to contact AultCare to obtain emergency services.

If you are out-of-town and need emergency care, please go to the nearest emergency care facility.

If you become ill and you are out-of-town, and it is not an urgent or emergency situation, try to call your physician first. If that is not possible, seek treatment at the nearest medical care facility or physician’s office. Notify the AultCare Service Center the next business day if you are admitted to an out-of-town hospital. Schedule an appointment with your physician for all follow-up care and services.

Some examples of emergency situations are: • High fever • Convulsions • Difficulty breathing • Uncontrolled vomiting and/or diarrhea • Broken bones • Possible miscarriage or pregnancy with vaginal bleeding • Poisoning • Severe bleeding • Severe burns • Severe pain in the stomach or chest • Shock • Unconsciousness

Remember, if you need emergency services: 1. Go to the nearest emergency care facility.

Be sure to present your AultCare ID card.

2. If you are admitted to the hospital, please make sure AultCare is notified on the next business day.

3. Remember to contact your PCP as soon as possible after your visit.

4. Schedule an appointment with your PCP for all follow-up care and services.

A Guide to Our Services

5

Care Coordination AultCare offers many health and wellness services to its members. These services are streamlined into a program known as Care Coordination. With Care Coordination, AultCare members have access to a team of local physicians, nurses, dietitians, pharmacists, and other clinical and non-clinical staff to help resolve any potential and ongoing health and wellness issues. This system allows AultCare to provide its members with a comprehensive approach to healthcare. Members may be affected by one or more programs provided by Care Coordination.

The programs work collectively to cover all aspects of a member’s health and wellness.

Disease Management Program Provides members with education on prevention, ensuring members with chronic health issues have all the tools and services necessary to improve their health.

The Disease Management program offers an integrated and comprehensive approach to manage conditions, reduce complications, improve quality of life, and decrease costs. Disease Management nurses reach out to members with diagnoses such as Diabetes, Congestive Heart Failure (CHF), and Chronic Obstructive Pulmonary Disease (COPD) through telemonitoring programs. Outreach is also provided to members with mental health concerns through the Disease Management program.

Members will receive targeted materials to introduce available opportunities and AultCare Care Coordination resources. Nurses will also contact members for preventive care reminders and available educational programs. Common reminders AultCare nurses provide are preventive screenings, adherence follow-up, medication follow-up, and information on how to improve overall outcomes.

6

24-Hour Nurse Hotline

AultCare offers a health and information line to assist members with health-related questions day or night. By calling 330-363-7620, or toll-free 1-866-422-9603, you will be directed to an experienced registered nurse who is available 24 hours a day to answer your health-related questions and provide confidential information.

They will be able to: • Provide first aid instructions and general health information • Determine what level of care is most appropriate for your condition • Answer your medication questions • Offer suggestions for self-care

Utilization Management (UM) Helps control healthcare costs through management of the use of healthcare resources Pre-Certification

Pre-Certification, also known as pre-authorization or pre-approval, is the process of notifying your health plan prior to an elective hospital stay or elective surgery procedure. This process helps to determine that all medical care possibilities have been explored and are within acceptable time limits. The pre-certification process has two parts: 1. Notification - AultCare receives a request for services from your provider

Case Management Program Promotes quality, cost-effective outcomes through assessment, planning, coordination, education, and referral

The Case Management program is made up of nurses and social workers who help members receive the care, information and community services they need. The program promotes quality, cost-effective outcomes through assessment, planning, coordination, education, and referral.

AultCare case managers may contact members if they have recently had a long hospital stay, have a new cancer diagnosis, have a complex medical issue, or require specialized care from an out-of-network provider.

Population Health Management (PHM) Serves as the link between the member, the primary care physician, and the health plan to help the member navigate the healthcare system and receive integrated care

The Population Health Management program focuses on providing patient-centered, accessible, comprehensive, and coordinated care. Population Health Management nurses connect with members over the phone or face-to-face for as long as needed. Education is offered to those dealing with chronic and acute conditions along with additional information and resources to ensure members’ needs are met. The Population Health Management team of nurses is the link between members, providers, and the health plan.

2. Determination of coverage/verification of eligibility - we review your plan document and clinical information as it relates to the request for services Getting pre-certification for a procedure does not mean the service will be covered and paid at the highest level of benefit, or at all.

All claims are subject to review upon receipt of the actual claim or documentation and are subject to updates in eligibility upon receipt of the actual claim.

Refer to your plan documents, access our website at www.aultcare.com or contact the AultCare Service Center to determine if your particular plan has additional pre-certification requirements or to obtain a list of items requiring pre-certification.

Reference Based Pricing vs. Usual Customary Reasonable Allowances

All benefits are subject to Reference Based Pricing (RBP) or Usual Customary and Reasonable Allowances (UCR). Amounts exceeding RBP or UCR for services rendered by a network provider are not patient responsibility. Amounts exceeding the RBP or UCR for services rendered by a non-network provider or for services rendered under a traditional plan in the absence of a provider network, are the financial responsibility of the patient. If you have questions regarding this information, please contact the AultCare Service Center. Please refer to your Certificate or Plan Document and Summary Plan Description for details on your coverage.

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Utilization Management Evaluation of New and Existing Technology

AultCare investigates all requests for coverage of new technology using a medical technology assessment company as a guideline. If additional information is needed, AultCare utilizes sources including, but not limited to Medicare and Medicaid policies and Food and Drug Administration releases of any current medical peer review literature. This information is reviewed and evaluated by AultCare’s medical director and other physician advisors in order to determine if a new technology is appropriate for coverage under your AultCare plan. Members may request that a certain new technology be investigated for coverage by contacting the UM department.

How to Submit a Request for Pre-Certification

Requests should be submitted by phone, fax or in writing to: AultCare Care Coordination P.O. Box 6910 Canton, Ohio 44706 Phone: 330-363-6360 or 1-800-344-8858 Fax: 330-454-9635

Denials are documented in the form of a letter to you and the requesting provider. The letter includes: • The specific reason for denial • Reference to the benefit provision, guideline, protocol or other similar criteria on which the denial decision is based • Decision of additional information needed to analyze the request • Notification that you can obtain a copy of the actual benefit provision, guideline, protocol or criteria on which the denial was based (this is upon request and at no extra cost) • Description of your appeal rights and appeal process, including your right to have an authorized representative act on your behalf • A description of the expedited appeal process if the denial is urgent pre-service or urgent concurrent review If the denial is based on medical necessity, a reviewer is available to discuss the decision with the physician or provider.* AultCare provides you with access to staff to discuss the UM process and any issue relating to the UM process. Professional staff members are available from 8 a.m. to 5 p.m. Monday - Friday by contacting the AultCare Service Center at 330-363-6360 or toll free at 1-800-344-8858.

TTY users should call: 711. If you call after business hours, please leave a message and we will respond to your call the next business day. *Emergency care does not require pre-certification.

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Pharmacy Program This information only applies if AultCare is your pharmacy benefit administrator

AultCare’s pharmacy program provides you with a variety of safe, effective and affordable prescription choices to meet your medication needs. Find out what medications are covered under your plan by accessing your plan’s formulary at www.aultcare.com or by contacting AultCare Customer Service. The formulary is a list of medications your plan covers based on evaluations of efficacy, safety, and cost-effectiveness.

If your pharmacy benefits are covered under a co-pay structure, you will save money by asking your doctor if your prescription can be filled with a generic equivalent or by choosing drugs in the lowest-cost tiers of your plan design. Talk to your doctor about which prescriptions will work best for you. Generic medications, with the lowest co-payments, are affordable alternatives that have met multiple quality and safety standards set by the FDA. For certain prescription drugs, AultCare has additional requirements for coverage.

These requirements ensure the drug prescribed is clinically appropriate for the plan member and also helps us manage drug plan costs. A team of physicians and pharmacists developed these requirements for our plan to help us provide quality coverage to our members. For a current listing of medications that require prior authorization, please visit the website at www.aultcare.com or call customer service at 330-363-6360 or 1-800-344-8858.

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Mail Order

Some AultCare plans include the option to have your prescriptions filled by mail-order.

A mail-order option offers you an alternative to the retail pharmacy for long-term medications. With mail-order service, you have the convenience of home delivery and the ability to refill orders online, by phone, fax, or mail.

To have your prescription filled by mail-order, simply ask your physician for a new prescription.

Check your plan documents to see how many days supply your plan will cover.

Mail your prescription to your mail-order vendor/ pharmacy, or have your physician fax it. Please refer to your individual schedule of benefits to determine your actual copayment. Most plans allow up to a 60 or 90-day supply by mail-order.

To obtain information regarding the mail-order services, please call AultCare at 330-363-6360 or visit the Pharmacy Services page on our website at www.aultcare.com.

Prior Authorization/Step Therapy

Certain medications require prior authorization or step therapy, meaning your physician must consult with AultCare before prescribing a medication for you for the first time.

For a current listing of medications requiring prior authorization, visit the Pharmacy Services page at www.aultcare.com.

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Medication Safety

The medications you take are an important part of your health. AultCare has compiled guidelines you can use to help your doctor and pharmacist provide you with quality healthcare. They are as follows: • Keep an updated list of all the medications you take (including prescription, over-thecounter, herbal remedies and supplements).

• Make sure all of your doctors know all of the medications you are taking.

• Read prescription labels carefully and always follow the directions exactly. If you have questions about a prescription, such as side effects or interactions with other medications or food, ask your doctor or pharmacist. If a medication you’ve taken before looks different, notify your pharmacist immediately.

• When you get a new prescription ask your doctor if it replaces any of your current medications.

• Keep medications in their original container, unless you use a pill organizer.

• Discard all expired medications properly.

• Whenever possible, use only one pharmacy.

This will ensure you do not take conflicting medications. If you use both retail and mail order pharmacies, make sure each pharmacy is aware of all your medications and allergies.

A Guide to Our Services

What’s

Not Covered Members should refer to their plan documents to determine which healthcare services are covered and to what extent.

The following is a partial list of services that are usually NOT covered. However your plan documents may contain exceptions to this list based on state mandates or the plan design purchased.

• All medical and hospital services not

specifically covered in, or which are limited or excluded in your plan documents, including costs of services before coverage begins and after coverage ends

• Care, services or supplies which are not deemed medically necessary

• Radial keratotomy, lasik, or related procedures • Cosmetic surgery, except as specifically stated in the benefit descriptions • Respite, custodial, and residential care except as specifically stated in the benefit descriptions

• Treatment, services or procedures that are experimental, or investigative • Non-rehabilitative chiropractic services • Dental care, except as specifically stated in the benefit descriptions • Eyeglasses, contact lenses, hearing aids and their fittings, and hearing tests except as specifically stated in the benefit descriptions

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• Sterilization reversal and some infertility processes and related services

We Want Your Feedback

• Implantable drugs and certain injectable infertility drugs

As a part of our AultCare family, your opinions are important to us. What our members tell us helps us to evaluate our services and processes, and make improvements when needed.

• Physical, mental or substance abuse examinations done for or ordered by third parties • Immunizations for travel or work • Over-the-counter medications and supplies • Marital counseling • Services for the treatment of sexual dysfunction or inadequacies including therapy, supplies or counseling Most plans exclude all forms of gastric restrictive procedures for the purpose of weight loss/control. Check your specific plan or contact the AultCare customer service to determine if these procedures are covered under your specific plan.

You must consult your specific plan document.

Contact AultCare customer service if you have additional questions.

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• New Enrollee Survey • Member Satisfaction Ways you can complete a survey:

The surveys can be taken two ways: online or printed and a paper copy returned by mail.

To take the survey online, log into your AultCare online member account. Register for a new account if you do not have one. Once logged in, the survey link will appear at the bottom of your screen.

If you do not have internet access, but would still like to participate, contact the AultCare customer service to request a paper copy.

As always, your answers are confidential, anonymous, and in no way will affect your coverage.

A Guide to Our Services

Filing a Claim

Physician Claims You do not need to send in claim forms when you use network providers. As long as you use network providers, your physician will submit claims to AultCare for you.

If your doctor is not a network provider, call AultCare Utilization Management at 330-363-6360 or 1-800-344-8858. In some cases, we may continue to pay for covered services at the network provider rate for a limited period of time to let you complete a course of treatment. We also will help you find an in-network provider or you may reference our provider directory at http://www.aultcare.com/findaprovider.

If you have an approved referral to a non-network provider, those services may be covered at the same level as network providers.

Charges that exceed Usual, Customary and Reasonable (UCR) rates are not covered by your plan and are therefore your responsibility to pay.

Refer to your plan’s schedule of benefits for details.

If your non-network provider does not send in your claim, you should: 1. Fill out the Application for Benefits form 2. Include a copy of the bill from your non-network provider 3. Mail the forms to AultCare at the address below: AultCare P.O. Box 6910 Canton, Ohio 44706

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Application for Benefits You can get a copy of the Application for Benefits form on AultCare’s website at www.aultcare.com or by calling customer service at 330-363-6360 or 1-800-344-8858.

A separate Application for Benefits form is needed for each bill. Be sure to complete all sections of the form that apply to your situation and sign it.

Hospital Claims When you receive services at a hospital, show your AultCare ID card. The hospital will send the claim information to AultCare.

Other Coverage Every year, AultCare will request an update about other coverage that you and your dependents may have. The information about other coverage is necessary so we know whether to pay as primary or secondary on claims for your family members. You may not be able to collect benefits from both plans.

Application for Benefits You will need to show your ID card when you go to a provider for services. Your provider will use the information on the card to verify coverage. If your coverage changes, you might receive a new ID card.

Use the most current card as reflected by the effective date on the card.

Keep Your Records Up to Date We need current information about you and your dependents to accurately pay claims. Outdated or incorrect information can cause mistakes, delays in payment or denial of coverage.

Updating Your Records Tell your employer (groups) or AultCare (individuals) within 31 calendar days if there are changes in your: • Name • Address • Phone number • Marital status • Family status, including information about your dependents, new dependents, changes in family status or who is to be covered by the health plan Remember: Notify your employer of changes, additions, or to end coverage as soon as possible.

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Grievances and Appeals How to let AultCare know if you are dissatisfied or disagree with a decision about your benefit coverage.

Use this information to let AultCare know if you are dissatisfied or disagree with a decision about your benefit coverage. If you are dissatisfied with AultCare or your network providers, please contact us as soon as possible. Your concerns will be forwarded to the Grievance Department who will conduct a thorough investigation and provide a written response to you within 30 days. This is known as the Grievance Process. You may contact AultCare customer service to voice your concern or you may also put your grievance in writing to the attention of: AultCare Grievance and Appeal Department P.O. Box 6029 Canton, Ohio 44706 If you disagree with a determination about a specific benefit, you have the right to appeal AultCare’s decision. This is known as the Appeals Process. The appeal process can be initiated by you, your provider, or your authorized representative.

Your appeal must be submitted within 180 calendar days of the adverse determination and should contain a statement describing the reasons why you feel your claim/services should not have been denied, in addition to written comments, documents, records, or other information relating to the claim/service. A full and fair review will be conducted, taking into consideration all of the information received with the appeal. Clinical appeals, or appeals relating to decisions based on medical necessity, are conducted by health professionals who are: • The same or similar specialty as the servicing physician or requesting provider • Board-certified, if applicable 15

Appeals will not be reviewed by the individual who made the original decision nor will they be a subordinate of that person. Appeal decisions are based only on appropriateness of care and the existence of coverage. AultCare does not specifically reward practitioners of care or other individuals for issuing denials of coverage or service care.

AultCare will provide a written notification detailing the outcome of your appeal. The timeframe for the appeal response is dependent on the type of appeal filed. Timeframes and descriptions of appeal types are as follows: Pre-Service Appeal: An appeal filed prior to receiving the requested service. Notification of a decision will be issued within 10 days of our receipt of your appeal.

Post-Service Appeal: An appeal filed after services have been received.

Notification of a decision will be issued within 30 days of our receipt of your appeal.

Urgent Appeal: An appeal, if not answered expeditiously, could seriously jeopardize your health. You will be notified of our decision as soon as possible, but no later than 72 hours of our receipt of your appeal.

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Appeals can be mailed to: AultCare Grievance and Appeal Department P.O. Box 6029 Canton, Ohio 44706 AultCare communicates your appeal rights in many ways to ensure each member understands their rights. Your plan documents, your Explanation of Benefits, and a benefit denial letter describe your appeal rights as an AultCare member. Every member is granted the same first level of appeal rights or internal review. If you initiate a first-level appeal and we uphold our original decision, your resolution letter will outline your additional appeal rights, which may include external review rights. Your rights vary depending on state and federal laws.

For more information on your appeal rights, you can review your plan document, Explanation of Benefits, benefit denial letter, appeal resolution letter or contact AultCare customer service for a copy of your appeal procedure at 330-363-6360 or toll-free 1-800-344-8858.

A Guide to Our Services

Enrollee Rights & Responsibilities Quality healthcare benefits are responsibilities shared with your doctors and your plan. We want you to know your rights and responsibilities. Please read your plan documents for a full description. If you have a question, concern, or a recommendation for how AultCare could improve its policies for promoting enrollee responsibilities and rights, contact us through our website at www.aultcare.com or call customer service at 330-363-6360 or toll-free at 1-800-344-8858.

You have a responsibility to: • Take your AultCare ID card when you go to the doctor, hospital, drug store, or healthcare provider. It contains important information. Having your card may help save time and prevent mistakes.

• Tell the doctor or nurse about your condition. Tell your doctor what medications you are taking. Answer any questions the doctor or nurse may ask you truthfully.

This information may help your doctor form treatment goals and alternatives. Understand your health problems and participate in developing mutually agreed-upon goals.

• Ask questions if you do not understand something about your medical condition and the treatment alternatives (including medications) the doctor is recommending.

• Follow your doctor’s medical advice and instructions. Take medications as directed.

Let the doctor know if you have a bad reaction. Let your doctor know if your symptoms do not get better, or if they get worse. Schedule recommended follow-up appointments.

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• Live a healthy lifestyle.

• Check your Schedule of Benefits.

• Let your employer (groups) or AultCare (individuals) know if there are changes with you and your dependents.

• Obtain all required pre-approvals (pre-certifications) and second opinions.

• Ask your employer or call AultCare if you have questions about your coverage or responsibilities.

You have a right to: • Receive information about the organization, its services, its practitioners and providers, and member rights and responsibilities.

• Receive information about your coverage and services (see your plan documents).

• A list of doctors, hospitals, and other AultCare network providers. Visit our website at www.aultcare.com or call AultCare customer service.

• Be treated with dignity and respect.

• A frank discussion with your doctor about your medical condition, including appropriate and medically necessary treatment options, regardless of cost or benefit coverage and to participate in making decisions about your healthcare.

Your doctors are independent. They are not restricted or prohibited from discussing treatment options with you, including those not covered.

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• Privacy of your healthcare and claims information. Your Protected Health Information will be used to pay claims, as permitted by HIPAA and as described in your Notice of Privacy Practices. Protected Health Information will not be disclosed to others without your authorization, except as permitted by HIPAA and state law.

• Ask questions, raise concerns, make complaints, and appeal denials, as explained in your certificate or benefits booklet.

• Make recommendations about AultCare’s Member Rights and Responsibilities Policy.

• Request accommodation if you have limited knowledge of the English language.

Privacy Practices Notice of Privacy Practices AultCare, on behalf of AultCare Insurance Company, maintains a Notice of Privacy Practices that provides information on the use and disclosure of Protected Health Information (PHI).

This notice is available on our website www.aultcare.com. If you would like a copy of AultCare’s Notice of Privacy Practices, please contact customer service at 330-363-6360 or toll-free at 1-800-344-8858.

AultCare prides itself on ensuring our members’ PHI is maintained with appropriate privacy and confidentiality. All employees are held to internal standards of protecting written, oral, and electronic PHI. Use and Disclosure of PHI to plan sponsors is handled with security and certification the plan sponsor agrees to AultCare’s policies on PHI.

Uses and Disclosures Unless permitted by state or federal law, we will not use or disclose your protected health information for any purpose without your express written authorization. You have the right to revoke that authorization and we will take every effort to honor those requests.

We are permitted or required by law to make certain uses and disclosures of your protected health information without your authorization.

For a detailed list of the uses and disclosures that do not require your authorization, please review the Notice of Privacy Practices. Examples of such uses and disclosures include: • Treatment • Payment • Healthcare operations

AultCare maintains a Notice of Privacy Practices that provides important information on the Use and Disclosure of PHI and your rights regarding your PHI. Highlights from the notice are outlined on the right.

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Access to Your Protected Health Information

Accounting for Disclosures of Your Protected Health Information

You have the right to copy and/or inspect much of the protected health information that we retain on your behalf. All requests for access must be made in writing and signed by you or your representative.

You have the right to receive an accounting of certain disclosures made by us of your protected health information after April 14, 2003. Requests should be made in writing and signed by you or your representative.

Restrictions on Use and Disclosure of Your Protected Health Information

You have the right to request restrictions on certain uses and disclosures of your protected health information for treatment, payment, or healthcare operations by notifying us of your request for a restriction in writing.

Amendments to Your Protected Health Information

You have the right to request in writing an amendment or correction to the protected health information we maintain about you. We are not obligated to make all requested amendments, but we will give each request careful consideration. All amendment requests should be in writing, signed by you or your representative, and must state the reasons for the amendment/correction request.

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Please review the Notice of Privacy Practices for more detailed information on our Use and Disclosure of Protected Health Information.

The Notice of Privacy Practices and the necessary request forms are available on our website at www.aultcare.com/aultcare-privacy. If you would like a copy of the notice or the request forms, please contact customer service at 330-363-6360 or toll-free at 1-800-344-8858.

Frequently Asked Questions Q. Do I need a Primary Care Physician (PCP)?

A. We recommend you have a PCP to help guide you in your healthcare needs.

Q. How can I find a doctor? How do I find a doctor in my network?

A. You may search for network doctors in various ways:

• Visit the AultCare website at www.aultcare.com. Click on the ‘Find A Provider’ button at the top of the page.

Select the ID card that matches the ID card you have to search the correct network directory.

•

Call AultCare customer service.

When making an appointment with your doctor, be sure to confirm the doctor or provider is still a network provider.

Q. What if my PCP cannot provide the care I need?

A. Your doctor may refer you to a specialist.

If the recommended specialist is in your network, no additional actions are necessary.

Q. What if my doctor refers me to an

Q. My PCP or network doctor has sent a

request for my treatment with a non-network doctor. How will I know if my treatment was approved?

A. You will receive a letter from AultCare

Utilization Management. The letter will tell you if your treatment has been approved at the network level of benefits, or if it has been denied (for PPO plans, services can be partially approved, which means the services have been approved at the non-network level of benefits).

If you receive care from a non-network provider, you may have to pay a different deductible and/or co-insurance. You will be responsible for paying any difference between what the provider charges for the service and what the plan allows.

Q. The letter approving my care at the

network level of benefits mentioned UCR. What does this mean?

A. This means that the non-network

treatment requested by your network doctor has been approved at the network level of benefits, and payable based on Usual, Customary, and Reasonable (UCR) schedule of charges.

non-network doctor?

A. If the specialist is not in the network,

your network doctor will need to provide detailed information to AultCare Utilization Management and request an approval before you seek treatment.

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Q. What does UCR mean?

A. UCR is a schedule of average fees

most providers in the area charge for a given procedure. It affects insurance reimbursement and out-ofpocket charges you might have to pay.

If your provider charges more than the UCR, you will be responsible for paying the difference between what the provider has charged and the UCR amount that will be used to pay your benefits.

Q. Will I owe the amounts over UCR? A. Yes. The amounts over UCR are not covered by your plan. You are responsible for those amounts.

We suggest discussing payment options with your provider.

Q. I received a letter that the

recommended treatment was not approved. What does this mean?

A. Although the treatment may be

recommended by your doctor, it may not be covered under your plan. If your referral is not approved, there is not reduced coverage for the treatment under your plan. Always refer to your plan document for specific limitations that apply. Refer to page 15 for your appeal rights.

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Q. What if I need help understanding

my approval/denial letter content?

A. Contact Utilization Management

at 330-363-6360 or 1-800-344-8858. Refer to your plan document for specific limitations that apply. Refer to page 15 for your appeal rights.

Q. What if I need after-hours care in or out of the area?

A. If you need care after hours, contact your

physician’s office. If you feel your needs are urgent or your situation is an emergency, proceed to the nearest emergency room, urgent care center, or call 911.

Q. How do I view my medical benefits online?

A. Go to www.aultcare.com - Log into your account - Click on “Eligibility” - Select “Member” from the

drop-down box - Select “Active” from the Status

drop-down box - Click “Search” - Select plan to see benefits

OR Call customer service at 330-363-6360 or toll free at 1-800-344-8858 TTY users should call: 711.

Glossary This glossary defines many commonly used terms, but it is not a full list.

These glossary terms and definitions are intended to be educational and may be different from the terms and definitions in your plan or health insurance policy. Some of these terms may not have the same meaning when used in your policy or plan, and in any case, the policy or plan governs. (See your Summary of Benefits and Coverage for information on how to get a copy of your policy or plan document.)

Allowed Amount- This is the maximum

payment the plan will pay for a covered healthcare service. May also be called “eligible expense,” “payment allowance,” or “negotiated rate.”

Appeal- A request for your health insurer

or plan to review a decision that denies a benefit or payment (either in whole or in part).

Balance Billing- When a provider bills you

for the balance remaining on the bill your plan does not cover. This amount is the difference between the actual billed amount and the allowed amount. For example, if the provider’s charge is $200 and the allowed amount is $110, the provider may bill for the remaining $90.

This happens most often when you see an out-of-network provider (non-preferred provider). A network provider (preferred provider) may not bill you for covered services.

Claim- A request for a benefit (including

reimbursement of a healthcare expense) made by you or your healthcare provider to your health insurer or plan for items or services you think are covered.

Coinsurance- Your share of the costs of

a covered healthcare service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You generally pay coinsurance plus any deductibles you owe.

(For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20.

The health insurance or plan pays the rest of the allowed amount.)

Complications of Pregnancy-

Conditions due to pregnancy, labor, and delivery that require medical care to prevent serious harm to the health of the mother or the fetus. Morning sickness and a non-emergency cesarean section generally are not complications of pregnancy.

Copayment- A fixed amount

(for example, $15) you pay for a covered healthcare service, usually when you receive the service. The amount can vary by the type of covered healthcare service.

Cost-Sharing- Your share of costs for

services a plan covers that you must pay out of your own pocket (sometimes called “out-of-pocket costs”).

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Some examples of cost-sharing are copayments, deductibles, and coinsurance.

Family cost-sharing is the share of cost for deductibles and out-of-pocket costs you and your spouse and/or child(ren) must pay out of your own pocket. Other costs, including your premiums, penalties you may have to pay, or the cost of care a plan does not cover usually are not considered cost-sharing.

Cost-Sharing Reductions- Discounts

that reduce the amount you pay for certain services covered by an individual plan you buy through the Marketplace. You may get a discount if your income is below a certain level, and you choose a Silver level health plan or if you are a member of a federally-recognized tribe, which includes being a shareholder in an Alaska Native Claims Settlement Act corporation.

Deductible- An amount you could owe

during a coverage period (usually one year) for covered healthcare services before your plan begins to pay. An overall deductible applies to all or almost all covered items and services. A plan with an overall deductible may also have separate deductibles that apply to specific services or groups of services. A plan may also have only separate deductibles. (For example, if your deductible is $1000, your plan won’t pay anything until you’ve met your $1000 deductible for covered healthcare services subject to the deductible.)

Diagnostic Test- Tests to figure out a

health problem. For example, an x-ray can be a diagnostic test to see if you have a broken bone.

Durable Medical Equipment (DME)-

Equipment and supplies ordered by a healthcare provider for everyday or extended use.

DME may include: oxygen equipment, wheelchairs, and crutches.

Emergency Medical Condition-

An illness, injury, symptom (including severe pain), or condition severe enough to risk serious danger to your health if you did not receive medical attention right away. If you did not receive immediate medical attention you could reasonably expect one of the following: 1) Your health would be put in serious danger; 2) You would have serious problems with your bodily functions; 3) You would have serious damage to any part or organ of your body.

Emergency Medical Transportation-

Ambulance services for an emergency medical condition. Types of emergency medical transportation may include transportation by air, land, or sea. Your plan may not cover all types of emergency medical transportation, or may pay less for certain types.

Emergency Room Care / Emergency Services- Services to check for an emergency

medical condition and treat you to keep an emergency medical condition from getting worse. These services may be provided in a licensed hospital’s emergency room or other place that provides care for emergency medical conditions.

Excluded Services- Healthcare services that

your plan does not pay for or cover.

Formulary- A list of drugs your plan covers.

A formulary may include how much your share of the cost is for each drug. Your plan may put drugs in different cost-sharing levels or tiers.

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For example, a formulary may include generic drug and brand name drug tiers and different cost-sharing amounts will apply to each tier.

Grievance- A complaint communicated to

your health insurer or plan.

Habilitation Services-

Healthcare services that help a person keep, learn or improve skills and functioning for daily living. Examples include therapy for a child who is not walking or talking at the expected age. These services may include physical and occupational therapy, speech-language pathology, and other services for people with disabilities in a variety of inpatient and/or outpatient settings.

Health Insurance- A contract that

requires a health insurer to pay some or all of your healthcare costs in exchange for a premium. A health insurance contract may also be called a “policy” or “plan.”

Home Healthcare- Healthcare services

and supplies you receive in your home under your doctor’s orders. Services may be provided by nurses, therapists, social workers, or other licensed healthcare providers. Home healthcare usually does not include help with non-medical tasks, such as cooking, cleaning, or driving.

Hospice Services- Services to provide

comfort and support for persons in the last stages of a terminal illness and their families.

Hospitalization- Care in a hospital that

requires admission as an inpatient and usually requires an overnight stay. Some plans may consider an overnight stay for observation as outpatient care instead of inpatient care.

Hospital Outpatient Care- Care in a

hospital that usually does not require an overnight stay.

Individual Responsibility Requirement- Sometimes called the

“individual mandate,” the duty you may have to be enrolled in health coverage that provides minimum essential coverage. If you do not have minimum essential coverage, you may have to pay a penalty when you file your federal income tax return unless you qualify for a health coverage exemption.

In-Network Coinsurance- Your share

(for example, 20%) of the allowed amount for covered healthcare services. Your share is usually lower for in-network covered services.

In-Network Copayment- A fixed

amount (for example, $15) you pay for covered healthcare services to providers who contract with your health insurance or plan.

In-network copayments usually are less than out-of-network copayments.

Marketplace- A marketplace for health

insurance where individuals, families and small businesses can learn about their plan options; compare plans based on costs, benefits and other important features; apply for and receive financial help with premiums and cost-sharing based on income; and choose a plan and enroll in coverage.

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Also known as an “Exchange.” The Marketplace is run by the state in some states and by the federal government in others. In some states, the Marketplace also helps eligible consumers enroll in other programs, including Medicaid and the Children’s Health Insurance Program (CHIP). Available online, by phone, and in-person.

Maximum Out-of-Pocket Limit-

suppliers your health insurer or plan has contracted with to provide healthcare services.

Network Provider (Preferred Provider)-

A provider who has a contract with your health insurer or plan who has agreed to provide services to members of a plan. You will pay less if you see a provider in the network. Also called “preferred provider” or “participating provider.”

Yearly amount the federal government sets as the most each individual or family can be required to pay in cost-sharing during the plan year for covered, in-network services.

Applies to most types of health plans and insurance. This amount may be higher than the out-of-pocket limits stated for your plan.

Orthotics and Prosthetics- Leg, arm, back

Medically Necessary- Healthcare

Out-of-Network Coinsurance- Your share

services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease, or its symptoms, including habilitation, and that meet accepted standards of medicine.

Minimum Essential Coverage- Health

coverage that will meet the individual responsibility requirement. Minimum essential coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage.

Minimum Value Standard-

A basic standard to measure the percent of permitted costs the plan covers. If you’re offered an employer plan that pays for at least 60% of the total allowed costs of benefits, the plan offers minimum value and you may not qualify for premium tax credits and cost-sharing reductions to buy a plan from the Marketplace.

26

Network- The facilities, providers and

and neck braces, artificial legs, arms, and eyes, and external breast prostheses after a mastectomy. These services include: adjustment, repairs, and replacements required because of breakage, wear, loss, or a change in the patient’s physical condition. (for example, 40%) of the allowed amount for covered healthcare services to providers who do not contract with your health insurance or plan. Out-of-network coinsurance usually costs you more than in-network coinsurance.

Out-of-Network Copayment- A fixed

amount (for example, $30) you pay for covered healthcare services from providers who do not contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.

Out-of-Network Provider (Non-Preferred Provider)- A provider who does not have a

contract with your plan to provide services.

If your plan covers out-of-network services, you will usually pay more to see an out-of-network provider than a preferred provider. Your policy will explain what those costs may be. May also be called “non-preferred” or “non-participating” instead of “out-of-network provider.”

Out-of-Pocket Limit- The most

you could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit the plan will usually pay 100% of the allowed amount. This limit helps you plan for healthcare costs. This limit never includes your premium, balance-billed charges or healthcare your plan does not cover. Some plans do not count all of your copayments, deductibles, coinsurance payments, out-of-network payments, or other expenses toward this limit.

Physician Services- Healthcare services

a licensed medical physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), provides or coordinates.

Plan- Health coverage issued to you

directly (individual plan) or through an employer, union or other group sponsor (employer group plan) that provides coverage for certain healthcare costs.

Also called “health insurance plan,” “policy,” “health insurance policy” or “health insurance.”

Preauthorization- A decision by your

health insurer or plan that a healthcare service, treatment plan, prescription drug or durable medical equipment (DME) is medically necessary. Sometimes called prior authorization, prior approval or precertification. Your health insurance or plan may require preauthorization for certain services before you receive them, except in an emergency. Preauthorization is not a promise your health insurance or plan will cover the cost.

Premium- The amount that must be paid for

your health insurance or plan. You and/or your employer usually pay it monthly, quarterly, or yearly.

Premium Tax Credits- Financial help that

lowers your taxes to help you and your family pay for private health insurance. You can get this help if you receive health insurance through the Marketplace and your income is below a certain level. Advance payments of the tax credit can be used right away to lower your monthly premium costs.

Prescription Drug Coverage- Coverage under

a plan that helps pay for prescription drugs.

If the plan’s formulary uses “tiers” (levels), prescription drugs are grouped together by type or cost. The amount you’ll pay in cost sharing will be different for each “tier” of covered prescription drugs.

Prescription Drugs- Drugs and medications

that by law require a prescription.

Preventive Care (Preventive Service)-

Routine healthcare, including screenings, check-ups, and patient counseling, to prevent or discover illness, disease, or other health problems.

Primary Care Physician (PCP)- A physician,

including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), who provides or coordinates a range of healthcare services for you.

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Primary Care Provider- A physician,

including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist, or physician assistant, as allowed under state law and the terms of the plan, who provides, coordinates, or helps you access a range of healthcare services.

Provider- An individual or facility that

provides healthcare services. Some examples of a provider include a doctor, nurse, chiropractor, physician assistant, hospital, surgical center, skilled nursing facility, and rehabilitation center. The plan may require the provider to be licensed, certified, or accredited as required by state law.

Reconstructive Surgery- Surgery and

follow-up treatment needed to correct or improve a part of the body because of birth defects, accidents, injuries, or medical conditions.

Referral- A written order from your

Primary Care Provider for you to see a specialist or receive certain healthcare services. In many Health Maintenance Organizations (HMOs), you need to obtain a referral before you can receive healthcare services from anyone except your Primary Care Provider. If you do not receive a referral first, the plan may not pay for the services.

Rehabilitation Services- Healthcare

services that help a person keep, get back, or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt, or disabled.

These services may include physical and occupational therapy, speech-language pathology, and psychiatric rehabilitation services in a variety of inpatient and/or outpatient settings.

Screening- A type of preventive care that

includes tests or exams to detect the presence of something, usually performed when you have no symptoms, signs, or prevailing medical history of a disease or condition.

Skilled Nursing Care- Services performed or

supervised by licensed nurses in your home or in a nursing home. Skilled nursing care is not the same as “skilled care services,” which are services performed by therapists or technicians (rather than licensed nurses) in your home or in a nursing home.

Specialist- A provider focusing on a

specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms and conditions.

Specialty Drug- A type of prescription drug

that, in general, requires special handling or ongoing monitoring and assessment by a healthcare professional, or is relatively difficult to dispense. Generally, specialty drugs are the most expensive drugs on a formulary.

UCR (Usual, Customary and Reasonable)-

The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. The UCR amount sometimes is used to determine the allowed amount.

Urgent Care- Care for an illness, injury, or

condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care.

AultCare/Aultra General Tag Lines for the State of Ohio English If you, or someone you are helping, have questions about AultCare/Aultra you have the right to get help and information in your language at no cost. To speak with an interpreter, call Local: 330.363.6360 Outside Stark County: 1.800.344.8858 TTY Local: 711 Outside Stark County: 711 Spanish Español Si usted, o alguien a quien usted está ayudando, tiene preguntas acerca AultCare/Aultra tiene derecho a obtener ayuda e información en su idioma sin costo alguno. Para hablar con un intérprete, llame al Local : 330.363.6360 Fuera del condado de Stark : 1.800.344.8858 TTY Local : 711 Fuera del condado de Stark : 711 Chinese 中文 如果您，或是您正在協助的對象，有關於 AultCare/Aultra 保险公司 方面的問題，您有權利免費以您的母語得到幫助和訊息。 洽詢一位翻譯員，請撥電話 本地： 330.363.6360 斯塔克縣外： 1.800.344.8858

TTY 線 本地： 711 斯塔克縣外： 711。

German Deutsche Falls Sie oder jemand, dem Sie helfen, Fragen zum AultCare/Aultra haben, haben Sie das Recht, kostenlose Hilfe und Informationen in Ihrer Sprache zu erhalten. Um mit einem Dolmetscher zu sprechen, rufen Sie bitte die Nummer Local: 330.363.6360 Außerhalb von Stark County : 1.800.344.8858 TTY –Linie Local: 711 Außerhalb von Stark County : 711 an.

Arabic

‫العربية‬ ‫ للتحدث مع مترجم اتصل ب‬.‫ لديك الحق في الحصول على المساعدة والمعلومات الضرورية بلغتك من دون اية تكلفة‬،‫العربية‬ ‫ إن كان لديك أو لدى شخص تساعده أسئلة بخصوص شركة التأمين‬AultCare/Aultra 1.800.344.8858 330.363.6360 : ‫ خارج مقاطعة ستارك‬TTY ‫ الخط‬711 :‫ المحلي‬711 . ‫خارج مقاطعة ستارك‬ Pennsylvania Dutch Deitsch Wann du hoscht en Froog, odder ebber, wu du helfscht, hot en Froog baut AultCare/Aultra hoscht du es Recht fer Hilf un Information in deinre eegne Schprooch griege, un die Hilf koschtet nix. Wann du mit me Interpreter schwetze witt, kannscht du Local: 330.363.6360 Außerhalb von Stark County: 1.800.344.8858 TTY –Linie Local: 711 Außerhalb von Stark County : 711 uffrufe.

Russian русский Если у вас или лица, которому вы помогаете, имеются вопросы по поводу Страховая компания AultCare/Aultra, то вы имеете право на бесплатное получение помощи и информации на вашем языке. Для разговора с переводчиком позвоните по телефону Местный: 330.363.6360 Вне Старка County : 1.800.344.8858 TTY линия Местный: 711 Вне Старка County : 711.

French Français Si vous, ou quelqu'un que vous êtes en train d’aider, a des questions à propos de Compagnie d'Assurance AultCare/Aultra, vous avez le droit d'obtenir de l'aide et l'information dans votre langue à aucun coût. Pour parler à un interprète, Appelez Locale 330.363.6360 En dehors du comté de Stark : 1.800.344.8858 ligne ATS Local : 711 En dehors du comté de Stark : 711.

Vietnamese Việt Nam Nếu quý vị, hay người mà quý vị đang giúp đỡ, có câu hỏi về Công ty Bảo hiểm AultCare/Aultra quý vị sẽ có quyền được giúp và có thêm thông tin bằng ngôn ngữ của mình miễn phí. Để nói chuyện với một thông dịch viên, xin gọi Địa phương: 330.363.6360 Bên ngoài của Stark County : 1.800.344.8858 TTY đường dây Địa phương: 711 Bên ngoài của Stark County : 711.

Cushite-Oromo Isin yookan namni biraa isin deeggartan AultCare/Aultra, irratti gaaffii yo qabaattan, kaffaltii irraa bilisa haala ta’een afaan keessaniin odeeffannoo argachuu fi deeggarsa argachuuf mirga ni qabdu. Nama isiniif ibsu argachuuf, lakkoofsa bilbilaa Local: 330.363.6360 Outside of Stark County: 1.800.344.8858 TTY Line Local: 711 Outside of Stark County: 711 tiin bilbilaa.

AultCare/Aultra General Tag Lines

Revised 6/2021 (TTY)

616/16

Korean 한국어 만약 귀하 또는 귀하가 돕고 있는 어떤 사람이 AultCare/Aultra 보험 회사 에 관해서 질문이 있다면 귀하는 그러한 도움과 정보를 귀하의 언어로 비용 부담없이 얻을 수 있는 권리가 있습니다. 그렇게 통역사와 얘기하기 위해서는 지역 : 330.363.6360 스타크 카운티 의 외부 : 1.800.344.8858 TTY 라인 지역 : 711 스타크 카운티 의 외부 : 711 로 전화하십시오.

Italian Italiano Se tu o qualcuno che stai aiutando avete domande su AultCare/Aultra, hai il diritto di ottenere aiuto e informazioni nella tua lingua gratuitamente. Per parlare con un interprete, puoi chiamare Locale: 330.363.6360 Al di fuori di Stark County : 1.800.344.8858 TTY linea Locale: 711 Al di fuori di Stark County : 711.

Japanese 日本語 ご本人様、またはお客様の身の回りの方でも AultCare/Aultra 保険会社についてご質問がございましたら、ご希望の言語でサ ポートを受けたり、情報を入手したりすることができます。料金はかかりません。通訳とお話される場合、 ローカル： 330.363.6360 スターク郡の外： 1.800.344.8858 TTY ライン ローカル： 711 スターク郡の外： 711 までお電話くだ さい。 Dutch Nederlands Als u, of iemand die u helpt, vragen heeft over AultCare/Aultra, heeft u het recht om hulp en informatie te krijgen in uw taal zonder kosten. Om te praten met een tolk, bel Local : 330.363.6360 Buiten Stark County : 1.800.344.8858 TTY Line Local : 711 Buiten Stark County : 711.

Ukrainian український Якщо у Вас чи у когось, хто отримує Вашу допомогу, виникають питання про Страхова компанія AultCare/Aultra, у Вас є право отримати безкоштовну допомогу та інформацію на Вашій рідній мові. Щоб зв’язатись з перекладачем, задзвоніть на Місцевий : 330.363.6360 Поза Старка County : 1.800.344.8858 TTY лінія Місцевий : 711 Поза Старка County : 711.

Romanian Română Dacă dumneavoastră sau persoana pe care o asistați aveți întrebări privind Compania de Asigurari AultCare/Aultra, aveți dreptul de a obține gratuit ajutor și informații în limba dumneavoastră. Pentru a vorbi cu un interpret, sunați la Locale : 330.363.6360 In afara Stark Judet : 1.800.344.8858 TTY linie Locale : 711 In afara Stark Judet : 711.

Non-Discrimination Notice: AultCare/Aultra complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. AultCare/Aultra does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex. AultCare/Aultra provides free aids and services to people with disabilities to communicate effectively with us, such as: Qualified sign language interpreters and written information in other formats (large print, audio, accessible electronic formats, other formats). AultCare/Aultra provides free language services to people whose primary language is not English, such as: Qualified interpreters and information written in other languages.

If you need these services, or if you believe that AultCare/Aultra has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can contact or file a grievance with the: AultCare/Aultra Civil Rights Coordinator, 2600 6th St. S.W. Canton, OH 44710, 330-363-7456, CivilRightsCoordinator@aultcare.com. You can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, our Civil Rights staff is available to help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services 200 Independence Avenue, SW Room 509F, HHH Building Washington, D.C. 20201 1-800-368-1019, 800-537-7697 (TDD). Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.

AultCare/Aultra General Tag Lines

Revised 6/2021 (TTY)

616/16

P.O. Box 6910 Canton, Ohio 44706 6057/20