HD Benefits

• Average savings of 44% with a potential of up to 75% (based on 2014 national program savings data)
• Accepted at over 62,000 participating pharmacies nationwide, including major chains and independent pharmacies
• Can be used for all prescription drugs, both brand-name drugs and generics
• Members will always receive the lowest price available on your prescription purchase

• FAMILIES WITH LIMITED OR NO PRESCRIPTION COVERAGE can reduce out of pocket costs
• INDIVIDUALS WITH PRESCRIPTION COVERAGE can reduce the cost of medications that are not covered
• SENIORS WITH MEDICARE PART D can save on prescriptions that are EXCLUDED from coverage

Plus Thousands of Additional Chains and Independent Pharmacies Nationwide.

Aetna Open Choice® PPO Network is a Preferred Provider Organization (PPO), or network of doctors and healthcare facilities that agree to provide services at a pre-negotiated, reduced rate. Containing more than 850,000 participating physicians and ancillary providers and 6,900 hospitals, Aetna’s network provides services with strong, negotiated rates, helping you to save on the cost of healthcare.

Aetna’s network provides our members with the benefit of Aetna’s specialty programs, including dialysis, lab services and transplant services.

With Aetna’s comprehensive provider participation, many of your preferred doctors may already be in the Aetna network. To verify whether or not a doctor or healthcare facility participates, visit http://www.aetna.com/docfind/custom/mymeritain.

Members need to show their ID card when they visit a doctor or facility and they should request that a copy is placed in their file. Their ID card identifies Aetna as their PPO network. This can help to ensure they receive all applicable network discounts.

Choice - Broad access to nearly 4,700 hospitals, 95,000 ancillaries and more than 700,000 healthcare professionals.

Savings - Negotiated discounts that result in significant cost savings when you visit in-network providers, helping to maximize your benefits. A MultiPlan Limited Benefit Plan logo on your health insurance card tells both you and your provider that a MultiPlan discount applies.

Quality - MultiPlan applies rigorous criteria when credentialing providers for participation in the MultiPlan Limited Benefit Plan Network, so you can be assured you are choosing your healthcare provider from a high-quality network.

MultiPlan can help you find the provider of your choice. Simply call MultiPlan's Customer Service Monday through Friday from 8 a.m. to 8 p.m. (Eastern Standard Time) and identify yourself as a health plan participant accessing MultiPlan Network for Limited Benefit plans. You may also search online at www.multiplan.com:

1. Click on Find a Provider
2. Click on the Select Network button and choose MultiPlan
3. Click on Limited Benefit Plan
4. Type in your search criteria and location

If you are currently seeing a doctor or other healthcare professional who does not participate in the MultiPlan Limited Benefit Network, you may use the Online Provider Referral System. On the Home page, click on Information for Health Plan Members, and then click on Nominate a Provider, which allows you to nominate the provider in just minutes using an online form. When you complete the form, MultiPlan will contact your nominee to determine whether the provider is interested in joining. If so, they will follow up to recruit the provider.

Access to a national network of over 65,000 vision providers in 26,000+ locations, including LensCrafters®, Sears Optical® , Target Optical®, JCPenney Optical® and most Pearle Vision® locations. Members enjoy their choice of participating independent optometrists, ophthalmologists and opticians located throughout the country.

Not all discounts available at all providers. Members must pay for products or services at the time they are purchased. This program will provide savings over the normal cost.

**Since LASIK or PRK vision correction is an elective procedure, performed by specially trained providers, this discount may not always be available from a provider in your immediate location.

For Lasik providers, call (877) 5LASER6 (552-7376) or visit www.eyemedlasik.com and request the discount authorization.

Member will receive a 20% discount on those items purchased at participating providers that are not specifically covered by this Discount design. The 20% discount may not be combined with any other discounts or promotional offers, and the discount does not apply to EyeMed Provider’s professional services, or contact lenses. Retail prices may vary by location. Please note, all dependents are eligible for discounts with all discount plans.

Coping with loss and grieving can be very difficult. Unfortunately, it’s also a time when you must make important decisions in a short amount of time. As a beneficiary of a life insurance policy from Principal Life Insurance Company, you have access to services, information and support to help you.

It’s important to take care of yourself and find ways to cope with your loss. With Grief Support Services, provided by Magellan Health Services, you can talk to a professional 24/7 for confidential guidance and coping strategies, get referrals to local legal services¹, get referrals to community resources, and conduct a private self-screening for depression – all at no cost to you.

In addition, you have access to information (paper or online) regarding wellness and health topics, legal tools and forms², grief and loss, depression, stress and sleep-loss self-assessments, talking to children about death and parenting and eldercare concerns.

If you need assistance beyond the scope of the service, a counselor can help you find an affordable solution. You’re responsible for any fees resulting from referrals outside of Grief Support Services.

The money you receive can impact your financial future. Experienced financial professionals from The Principal® can offer a variety of products and services to help you plan your future.

Your loss may result in the need to take a closer look at your own legal documents. To help, Principal Life has arranged for online access to a Will & Legal Document Center provided by ARAG®. This service is free and available to you for three months to create the following legal documents:

• Will – Specifies what happens to your property when you die and who executes your estate. Also lets you name a custodian for your minor children.
• Living Will – Informs health care providers and your family about your desires for medical treatment if you are unable to speak for yourself.
• Healthcare Power of Attorney – Grants someone permission to make medical decisions if you can’t make them yourself.
• Durable Power of Attorney – Grants someone permission to make financial decisions if you can’t make them yourself.

¹ Participants are referred to a local lawyer. A consultation is available by phone or in person, and there is no charge for up to one one-hour consultation per topic per year. Additional legal services are available at discounted rates.
² Only available online.

If you were to die without a Will or an up-to-date one, would your loved ones know your wishes? If you fell ill unexpectedly, is there someone who can make medical decisions for you? Are your legal and financial documents all in one place?

Now you have help. As a member covered by group term or voluntary term life insurance from Principal Life Insurance Company, you have free access to resources from the Will & Legal Document Center provided by ARAG® Services, LLC.

Without a Will, dividing up assets or designating a custodian for minor children can fall to the mercy of your state’s laws.

With ARAG’s free online resources, you or your spouse can draft a:

• Will – Specifies what happens to your property when you die and who executes your estate. Also lets you name a custodian for your minor children, saving you approximately $558.¹
• Living Will – Informs health care providers and your family about your desires for medical treatment if you are unable to speak for yourself.
• Healthcare Power of Attorney – Grants someone permission to make medical decisions if you can’t make them yourself.
• Durable Power of Attorney – Grants someone permission to make financial decisions if you can’t make them yourself.
• Medical Treatment Authorization for Minors – Grants parental consent to treat a child in the event a parent isn’t present.

You also have access to:

• Personal Information Organizer – Creates a one-step directory of personal and financial information as well as funeral arrangements.
• Estate planning education and tools – View a variety of articles and links to legal information.

Pre-trip and Cultural Information Services

• Visa and passport requirements
• Travel advisories and customs information
• Immunization/inoculation requirements and insect precautions
• Cultural information
• Consular/embassy locations and referrals
• Currency exchange rates
• Local voltage information

Personal Assistance Services

• Lost/stolen documents (passports, driver’s license, credit cards, etc.)
• Lost luggage
• Emergency telephone interpretation
• Urgent message relay
• Emergency cash and bail assistance
• Legal referrals
• Political evacuationn

Medical Assistance Services

• Medical/dental referrals
• Hospital admission guarantee and discharge planning
• Medical pre-certification and referral management
• Lost prescription and eyeglass/contact assistance
• Medical monitoring
• Replacement of medical devices
• Shipment of medication
• Pet housing and return

• Emergency medical transportation to a different facility if medically necessary
• Medically supervised repatriation
• Return of dependent child(ren)
• Transportation of a family member to join patient
• Transportation for traveling companion following an evacuation or repatriation
• Return of mortal remains

AXA Assistance will pay up to $200,000 per person per trip to provide emergency medical transportation or return of mortal remains, including equipment and personnel. The participant is responsible for any medical expenses incurred.
There are no registration or enrollment forms to fill out. Travel assistance is available 24 hours a day, 365 days a year by calling AXA Assistance’s highly trained staff who will ensure that your call is handled promptly.
Treatment must be authorized and arranged by AXA Assistance USA, Inc. designated personnel to be eligible for services under this program. No claims for reimbursement will be accepted. Limitations may apply.

Karis360 members never face the healthcare world alone. Each member has access to an expert Advisor to help address healthcare needs and concerns.

• Looking for a Physician or Hospital?  Karis360 Advisors will find quality physicians, specialists and surgeons in the member’s area who focus on the member’s unique healthcare needs.
• Need Alternative Treatments?  Advisors help find alternative care in areas like Chiropractic, Acupuncture, Homeopathic and Naturopathic.
• Health Cost Estimates  Cost estimates for various outpatient procedures are provided so members know what to expect.
• Medical Records Transfer  Karis360 Advisors organize the seamless transfer of member medical records between providers.
• Insurance Policy Assistance  Advisors can help clarify health insurance benefits as well as help resolve issues and expedite solutions.
• Elder Care Solutions  Members get help with finding assisted living facilities, coordinating home health, Medicare questions, VA benefits, supplemental insurance and more.
• Appointment Scheduling  Advisors are happy to schedule primary care and specialist visits, labs, imaging, flu shots and more.

With two-thirds of all bankruptcies in America including a medical bill debt component, the Bill Negotiator becomes important as we assist members in avoiding financial hardship and possible bankruptcy.

• Medical Bill Negotiation  Karis360 Advisors will assign a dedicated Patient Advocate to work directly with a member’s healthcare provider (doctor’s offices, hospitals, etc.) to help reduce their medical bills. Members provide a written estimate stating the bill will likely total over $2,000 and Advisors will pre-negotiate the potential medical bills easing stress and saving money.
• Pre-Negotiation  Advisors can negotiate potential medical costs before a procedure. When members provide a written estimate showing the bill will likely total over $2,000, Advisors will pre-negotiate the potential medical bills easing stress and saving money.
• Results  Karis360 has unparalleled results negotiating discounts. Members can see an average of 40-70% savings after insurance has been applied.

Each Karis360 member has access to an experienced Advisor who researches up to five surgical facilities for non-emergency procedures in the member’s area with information regarding cost, quality, availability and physician privileges.

• Results  With Surgery Saver, members see an average savings of $13,000. Advisors have found a 66% difference between the highest and lowest quoted surgery costs between facilities.