We’ve got you coveredYour 2018 Harvard Pilgrim Plan Options MFS Investment Management

If you have any questions, we’re here to help.

Visit us online at www.harvardpilgrim.org/mfs. Or give us a call at (888) 333-4742. For TTY service, call 711.

The choice is yours.Harvard Pilgrim is proud to be MFS Investment Management’s partner for health care coverage.

Please read through this brochure for important highlights about your medical plan options:

Harvard Pilgrim HMO

Access AmericaSM Best Buy Access AmericaSM HSA Health Saver

Be sure to review this brochure with other plan information, including the Schedules of Benefits and the MFS plan comparison chart at www.harvardpilgrim.org/mfs.

If you enroll in a new plan or change plans for 2018, you will receive a member ID card in the mail about two weeks after enrolling. If you will be seeing a new doctor, it’s a good idea to schedule a first visit once your coverage is effective January 1, 2018.

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HMO cost-sharing highlights

Office visit copayment (including chiropractic care) $25

Outpatient/day surgery copayment $50

Emergency room copayment (waived if admitted directly from the ER) $100

Hospital inpatient copayment $150

Deductible None

Coinsurance None

30-day retail and 90-day mail order supply of maintenance drugs Tier 1: $10 Tier 2: $20 Tier 3: $40

If you live in Massachusetts, Maine, Rhode Island, Connecticut or New Hampshire and are comfortable with an HMO, this plan enables you to see Harvard Pilgrim’s participating doctors, hospitals and other providers in New England.

The HMO network includes more than 68,000 doctors and other clinicians and 182 hospitals.

Do I need a primary care provider (PCP)? Yes. You must have a PCP provide your care (except in emergencies) and give you a referral for most kinds of specialty care for the plan to provide coverage for services.

Can I continue to see my current PCP? Yes, if your current PCP belongs to the Harvard Pilgrim network.

How can I find a new provider?You can use the HMO provider directory at www.harvardpilgrim.org/mfs or call Harvard Pilgrim at the number on the first page of this brochure.

Do I need referrals to visit specialists? Yes, you need your PCP’s referrals for most visits to specialists. Referrals are not necessary for some services, such as routine eye exams or most gynecological care.

WHAT YOU NEED TO KNOW:

Harvard Pilgrim HMO x

This flexible plan lets you go outside of Harvard Pilgrim’s provider network and doesn’t require referrals to specialists.The Access America network offers access to 5,700 hospitals and care from 960,000 doctors and allied health professionals across the United States that make up UnitedHealthcare’s extensive network.

Do I need a primary care provider (PCP)? No, although we encourage you to have one to help coordinate your care.

How does in-network coverage work?You have in-network coverage when you receive care for covered services from providers and hospitals that participate in Harvard Pilgrim’s regional network, and UnitedHealthcare’s network across the country. Your out-of-pocket costs are lower when you visit an in-network provider.

How does out-of-network coverage work?You have out-of-network coverage when you receive covered services from providers and hospitals that do not belong to the network. Typically, you will pay more for out-of-network coverage, and non-participating providers may bill you for the differences between their charges and the amount Harvard Pilgrim pays for covered services.

Do I need referrals to visit specialists? No. Just keep in mind that when you’re going to be admitted to the hospital, services are covered according to which providers you use. For example, if a non-participating doctor performs your surgery at a participating hospital, you have out-of-network coverage for the doctor’s services and in-network coverage for the hospital’s services. Except in an emergency, you must notify Harvard Pilgrim in advance of a hospital admission when non-participating providers and hospitals are involved.

Access America Best Buy cost-sharing highlightsIn-network Out-of-network

Office visit (including chiropractic care) $25 copayment Deductible, then 20% coinsurance

Outpatient/day surgery Deductible, $50 copayment, then 10% coinsurance

Deductible, then 30% coinsurance

Emergency room (waived if admitted directly from the ER)

$100 copayment Deductible does not apply

Same

Hospital inpatient Deductible, $150 copayment, then 10% coinsurance

Deductible, then 30% coinsurance

Deductible $200 member/$400 family $400 member/$800 family

Coinsurance You’re responsible for 10% You’re responsible for 20% or 30%, depending on service

30-day retail and 90-day mail order supply of maintenance drugs

Tier 1: $10 / Tier 2: $20 / Tier 3: $40

The Harvard Pilgrim Access America Best Buy Schedule of Benefits has more details on benefits and cost sharing. It governs in the event that the information in this document is different.

WHAT YOU NEED TO KNOW:

Access AmericaSM Best Buy x

This flexible plan may be a great option for employees who want more control over their health care spending. Compared to the Best Buy plan, the Saver Plan offers lower monthly premiums, but with a higher deductible for most covered services. To help offset the costs of qualified medical expenses*, this plan allows you to set up a Health Savings Account (HSA) through pre-tax payroll deductions. As your employer, MFS will also contribute to your HSA—an annual contribution of $750 individual / $1,500 family. (The combined contribution from you and MFS cannot exceed the annual contribution limit set by the IRS.)

The Health Saver plan works similar to the Best Buy plan—you’re not required to have a PCP or get referrals to specialists. You have access to 5,700 hospitals and care from 960,000 doctors and allied health professionals through UnitedHealthcare’s extensive nationwide network. Your out-of-pocket costs are lower when you visit an in-network provider. When you see providers outside of the network, your costs will be higher and the provider may bill you for the differences between their charges and the amount Harvard Pilgrim pays for covered services.

What are the benefits of having a plan with an HSA?

Access America HSA Health Saver cost-sharing highlightsIn-network Out-of-network

Office visit (including chiropractic care)

Deductible, then 10% coinsurance Deductible, then 30% coinsurance

Outpatient/day surgery copayment Deductible, then 10% coinsurance Deductible, then 30% coinsurance

Emergency room copayment (waived if admitted directly from the ER)

Deductible, then 10% coinsurance Deductible, then 30% coinsurance

Hospital inpatient Deductible, then 10% coinsurance Deductible, then 30% coinsurance

Deductible $1,500 member/$3,000 family $3,000 member/$6,000 family

Coinsurance You’re responsible for 10% You’re responsible for 20% or 30%, depending on service

30-day retail and 90-day mail order supply of maintenance drugs

Tier 1: Deductible, then 20% coinsurance Tier 2: Deductible, then 30% coinsurance Tier 3: Deductible, then 50% coinsurance

The Harvard Pilgrim Access America Best Buy Schedule of Benefits has more details on benefits and cost sharing. It governs in the event that the information in this document is different.

* The Internal Revenue Service determines what expenses can be reimbursed and what cannot. Examples of qualified medical expenses include: Acupuncture; alcohol and drug addiction treatment; breast reconstruction surgery; dental treatment; diagnostic tests and devices; doctor’s visits; prescriptions; eyeglasses, contact lenses and exams; fertility enhancements; hearing aids and batteries; operations/surgery (non-cosmetic); nursing services; physical therapy; psychiatric care; smoking cessation. For more information, visit the MFS open enrollment website.

How do I set up my HSA?MFS has chosen Optum as its HSA administrator. For more information on how to set up your HSA, visit the MFS open enrollment website.

WHAT YOU NEED TO KNOW:

Access AmericaSM HSA Health Saver x

You’ll benefit from tax savings: Your contributions, interest and withdrawals for qualified health care expenses are all tax-free.

Any unused amounts in your HSA can be carried over from year to year, so you don’t have to worry about forfeiting your contributions at the end of the year.

You own your HSA, so if you change jobs or retire, your money stays with you to spend on medical expenses or save for future health care needs.

Both you and your employer can contribute, and you can use funds to pay for certain health care services not covered by the HSA Saver plan, such as laser eye surgery or alternative care.

HARVARD PILGRIM HMO ACCESS AMERICA ACCESS AMERICA BEST BUY HSA HEALTH SAVER

Which plan is right for you?

Live in Massachusetts, Maine, Rhode Island, Connecticut or New Hampshire and are comfortable with an HMO, a plan that enables you to see Harvard Pilgrim’s participating doctors, hospitals and other providers in New England.

The HMO network includes more than 68,000 doctors and other clinicians and 182 hospitals.

You must choose a primary care provider (PCP) and get referrals from your PCP tto see specialists.

Want a plan that enables you to go outside of Harvard Pilgrim’s provider network and doesn’t require referrals to specialists.

The Access America network offers access to care from 5,700 hospitals and care from 960,000 doctors and allied health professionals across the United States that make up UnitedHealthcare’s extensive network.

You do not need to choose a PCP.

Choose this plan if you . . .

Coverage for all plansPrescription coverageAll three plans offer a 3-tier prescription drug program. When you use a participating pharmacy, you receive up to a 30-day supply. Use mail order and receive up to a 90-day supply of maintenance medications for the same copayment.

Preventive care Preventive services, such as routine check-ups, screenings and immunizations, are covered free of charge when you receive these services from an in-network provider; no member cost sharing is required. Preventive care is care you receive when you’re healthy and symptom-free. For a complete list of covered preventive services, go to www.harvardpilgrim.org/mfs.

Emergency care Harvard Pilgrim covers all medical emergencies (e.g., heart attack, stroke, shock, major blood loss, choking, severe head injury, loss of consciousness, seizures or convulsions). Just go to the nearest emergency facility or call 911 or another local emergency number. If you are hospitalized, call your PCP and Harvard Pilgrim within 48 hours, or as soon as you can (or ask someone to do this for you).

Urgent/sick careFor non-emergency care (like a sore throat, earache or flu), you should call your doctor’s office and ask for a same-day appointment. If your doctor is unavailable, you may be directed to a covering clinician or an urgent care facility. (You may be charged an ER copay at some urgent care facilities.) You may also visit a convenience care clinic, such as CVS/pharmacy MinuteClinic, for non- emergency, common illnesses; you’ll pay the same copay amount as a doctor’s office visit. Visit www.harvardpilgrim.org/mfs for more information on receiving urgent and convenience care services.

Health coaches and nurse care managersNeed some extra help reaching your wellness goals? Harvard Pilgrim offers members (age 18 and older) personal health coaches—registered nurses who are certified in lifestyle management coaching. Health coaches can help you make informed decisions about lifestyle management opportunities, including blood pressure control, weight management, exercise, cholesterol management, nutrition, smoking cessation, and stress reduction and life balance. You and your coach will develop realistic and achievable goals, and your coach will stay in regular contact with you to encourage and support you. Harvard Pilgrim also has nurse care managers on staff to help with more serious health issues, such as diabetes, asthma, heart failure and more. Go to www.harvardpilgrim.org/mfs to learn more.

Want to pay a lower monthly premium, and take advantage of a Health Savings Account to pay for current medical expenses and save for future health care needs.

This plan lets you go outside of Harvard Pilgrim’s provider network and doesn’t require referrals to specialists.

In addition to Harvard Pilgrim’s HMO network, the Access America network offers access to 5,700 hospitals and care from 960,000 doctors and allied health professionals across the United States that make up UnitedHealthcare’s extensive network

$150 fitness reimbursementIf you enroll in any of the MFS health plans and belong to a qualifying health and fitness facility for four months in the current calendar year, you can receive up to $150.1

Your health and fitness facility likely qualifies if it is a full-service facility that offers cardiovascular and strength-training equipment and facilities for exercising and improving physical fitness. Most “traditional” health and fitness clubs, YMCAs and Jewish Community Centers (JCCs) qualify.

Qualifying facilities also include fitness studios/facilities that offer yoga, Pilates, Zumba, aerobic/group classes, indoor cycling/spinning classes, kickboxing, CrossFit, strength training, tennis, indoor rock climbing and personal training (taught by a certified instructor).

Eyewear discountsPurchase a complete pair of glasses and get 35% off frames, plus additional discounts on lenses and lens options. And save 20% on any frame or lens options purchased separately, or on any optical accessory. Locations include:

Complementary and alternative medicineSave up to 30% on a wide range of services offered through our partnership with Healthways Whole Health Networks. With more than 40,000 credentialed practitioners nationwide, Healthways manages one of the leading complementary and alternative medicine networks in the country. Choose from more than 30 options, including:

More ways to save on your path to wellnessPlus, you can get discounts on many other programs and services that can help you live a healthy life, including:

• iDiet and other healthy eating programs

• Smoking cessation programs

• Care.com and other family and senior care services

• Massage Envy massage therapy services

• And much more

Find a complete list of discounts at www.harvardpilgrim.org/mfs

Savings on products and services to help you live a healthy lifestyle

1 $150 maximum reimbursement per Harvard Pilgrim policy in a calendar year. Restrictions apply. Visit www.harvardpilgrim.org/mfs or call Member Services for details.

These savings programs are not insurance products. Rather, they are discounts for programs and services designed to help keep members healthy and active. Restrictions apply. All programs subject to change without advance notice.

• LensCrafters®

• Pearle Vision®

• JCPenney Optical®

• Sears Optical

• Target Optical

• Acupuncture

• Massage and bodywork

• Naturopathic medicine

• Yoga and Pilates

• Tai chi and qigong

Could you use a new pair of eyeglasses? Getting started on a weight loss plan? Want to get reimbursed for your health and fitness club membership? Check out Harvard Pilgrim’s discounts and savings program.

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Have questions? We’re here to help.

Visit us online at www.harvardpilgrim.org/mfs. Or give us a call at (888) 333-4742.

For TTY service, call 711.

Coverage underwritten or administered by HPHC Insurance Company, Inc. and UnitedHealthcare Insurance Company, United HealthCare Services, Inc., or their affiliates.