Benefit Designs & Options

Self-Funding with a Solid Foundation SafeGuard offers market-proven coverage: Many of the same popular benefit designs that have protected the lives of tens of thousands of USHL insured members comprise the SafeGuard portfolio. A range of benefit designs are available: Traditional Coverage bundled with the employer’s selected prescription drug package, or High Deductible Health Plan (HDHP) Coverage with integrated prescription drug coverage Numerous member share percentage and deductible combinations available

SafeGuard Traditional Coverage Available copay and Rx packages for traditional coverage detailed on next page Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans. i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

SafeGuard Traditional Coverage Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans. i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

SafeGuard HDHP Coverage Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans. i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

Benefit Design Options Auto Accident Coverage* With this option, medical coverage becomes primary for auto-accident related claims 24-Hour Work-Related Coverage** Covers claims for work-related illness and injuries for those not covered under group workers comp policy Available in Michigan only ** Subject to underwriting approval Note: Benefit Designs and Options detailed in this presentation apply to the basic SafeGuard portfolio; for SafeGuard partnership plans. i.e. SafeGuard THN, etc., refer to the product-specific training module(s).

SafeGuard Coverage Highlights Physician Services Primary physician office visits Specialist physician office visits Inpatient and outpatient services and surgery Allergy testing and injections Emergency room physician services Urgent care physician services

SafeGuard Coverage Highlights Facility Charges Inpatient and outpatient facility services and surgery Emergency room charges Urgent care charges Inpatient and outpatient diagnostic services and advanced imaging (i.e. radiology, pathology, MRA/MRS, MRI, PET, CAT, SPECT) Preventive Care First-dollar wellness / preventive, including well-baby visits, mammograms, colonoscopies, immunizations, additional per national recommendations and preventive care guidelines

SafeGuard Coverage Highlights Other Services Inpatient and outpatient substance abuse treatment Chiropractic care Semi-private and intensive care unit room and board Hospital services and supplies Hospice care Home healthcare services Physical / Occupational / Speech therapy Physiotherapy Private duty nursing Ground or licensed air ambulance services Durable medical equipment and supplies Blood, blood plasma

SafeGuard Coverage Highlights Other Services, cont’d. Pre and post-natal care Circumcisions Chemotherapy and antineoplastic drugs Extended care facility charges Treatment for mental, nervous and personality disorders (inpatient and outpatient) Temporomandibular Joint (TMJ) and comparable disorders Nurse / midwife services Voluntary sterilizations Human organ and bone marrow transplants

Major PPO Networks Available SafeGuard coverage utilizes proven provider networks offering high levels of participation and significant discounts: IL: HFN IN: Sagamore MI: Cofinity , HAP OH: Medical Mutual, Cigna, First Health WI: Trilogy Note: Additional networks available for SafeGuard partnership plans.

For additional information on SafeGuard, select an option below: Speak with a Sales Representative Contact USHL Sales Support at (844) 828-5968 or send an email to SalesSupport@ushealthandlife.com Learn more about SafeGuard http://www.ushealthandlife.com/Find-a-Plan/Medical/SafeGuard Review SafeGuard Benefit Summaries http://www.ushealthandlife.com/Find-a-Plan/Medical/SafeGuard/Benefit-Summaries Review Frequently Asked Questions http://www.ushealthandlife.com/Portals/0/Documents/SafeGuard/SafeGuard_FAQs.pdf Obtain a Quote http://www.ushealthandlife.com/Find-a-Plan/Quotes-from-USHL/Get-a-Quote#SafeGuardQ Excess loss insurance policies and PPO insurance plans underwritten by US Health and Life Insurance Company, Inc.  SafeGuard plans administered by US Health and Life Insurance Company, Inc. © 2017 US Health and Life Insurance Company, Inc. All rights reserved.

Benefit Designs & Options