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Your passport to health and well-beingSee where your health plan can take you

Your health benefits should benefit your health — and your wallet

That’s how Aetna’s health plans work

for you. Aetna integrates wellness

programs with your plan to give you

many ways to help reach your wellness

goals. From preventive care and

resources that help you stay healthy

to enhanced nurse support services

to help you improve your condition,

your Aetna benefits options have it all.

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Get health benefits from an industry leader — AetnaWhat’s new?If you currently have Aetna benefits, you will see new services and enhancements for 2014. If you’re new to Aetna, you’ll enjoy all the programs and services outlined in this brochure, including these new features:

•An In Touch CareSM nurse dedicated to building a one-on-one relationship with you.

•Superior Health Concierge services to answer your benefits questions and to help you identify community resources.

•Healthy Lifestyle Coaching to help you reach your personal health goals.

New to Aetna? Your doctor is probably already in the Aetna networkWith over a million doctors, hospitals, labs and other health care providers in the Aetna network, chances are yours is one of them. You can find out right now by visiting DocFind® at www.aetna.com/united. A network comparison showed that 95 percent of the providers currently used by United co-workers are in the Aetna network. That means that the majority of United co-workers will not need to select a new provider to receive the highest level of coverage.

SmartCare™ Seeing a top quality SmartCare provider:

•Could improve chances of survival from an acute or chronic medical condition like a heart attack, coronary artery bypass, stroke and many others.

•Could have less complications and shorter recovery times from illness and surgery.

•Costs less out of pocket while receiving concierge-level services.

•Gives you access to providers who are part of SmartCare if you live in or travel to Chicagoland and the Greater Houston Area.

Note: SmartCare is not available with the Aetna Select plans. Visit DocFind at www.aetna.com/united for SmartCare in-network providers; look for this symbol.

You may be able to continue your active course of treatmentIf you or someone in your family are undergoing medical treatment with a doctor who is not in the Aetna network — for example, if you are in your second trimester of pregnancy, undergoing chemotherapy or had a recent surgery — you may be able to avoid disruption in care. Call Aetna Health Concierge at 1-800-334-0110 to ask for a Transition of Care form. If approved, you will be able to continue with your present doctor and receive in-network benefits for up to 180 days or by June 30, 2014.

Save Time Work on Wellness Save Money

iTriage® app CarePass® app and website Member Payment Estimator tool

Teladoc® service In Touch CareSM condition management program

DocFind® directory

Aetna Mobile app Simple Steps To A Healthier Life® wellness website

Aetna natural products and services discounts

Aetna Navigator® website Welvie surgery decision support program

Aetna fitness discounts

Informed Health® Line Beginning Right® Maternity Program Aetna weight management discounts

Aetna SmartSourceSM search tool Healthy Lifestyles Coaching Aetna vision discounts

Mindbloom™ life balance web- and mobile-based app

Aetna Extras Aetna Extras help you save time and money while on your journey to health and well-being. Best of all, you get all of these tools, programs and services at no additional cost when you enroll in an Aetna health plan. Learn more about each of these in this brochure.

Four ways to access your plan information Life changes and so do your benefits needs. Marriage. Birth. Another birthday. A newly empty nest. It’s smart to review your options every year to make informed choices for you and your family.

Here are four ways to learn all you can before making a decision:

1 Read your benefit – it’s your life annual enrollment magazine.

2 Log in to Flying Together > Employee Services > Benefits > Your Benefits Resources (YBR) to review your 2014 benefit options.

3 Let ALEX®, the online Aetna Benefits Advisor, help you map out your benefits needs. Visit Alex at www.aetna.com/united or at Flying Together > Employee Services > Benefits.

4 Get to know the www.aetna.com/united — a site you can access anywhere and share with your family. This site will expand in 2014 and become a valuable source of health and wellness information to you and your family — even on your smartphone.

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Visit www.aetna.com/united now using your smartphone.

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Navigate your health benefitsThe secure Aetna Navigator® member website is your connection to all your plan information and links to resources and tools. Once you receive your Aetna member ID card, visit www.aetna.com/united to register.

Then you can log in anytime — day or night — to:

•Look up plan information and see your covered dependents

•Find network doctors, dentists, hospitals and labs faster and easier with a customized version of the DocFind online provider directory

•Take a Simple Steps To A Healthier Life® Health Assessment and get started on the road to wellness

•View and update your Aetna Personal Health Record (PHR)

•Access cost of care and hospital comparison tools

•Download forms and order a replacement ID card

•Send a secure e-mail to Member Services with your questions

•Review your Explanation of Benefits (EOB) statement

Connections are instant with Aetna MobileLife takes you many places. No matter where you are, you still want easy access to your health information and tools to make the best decisions you can.

Using your iPhone® or Android™ mobile device, you can:

•Search for a doctor, hospital or pharmacy

•Use the Urgent Care Finder to quickly find urgent care centers and walk-in clinics

•Log in to your secure member site to:

- View your medical claims

- View your coverage and benefits

- View your Personal Health Record (PHR)

- Show your doctor your Aetna member ID card (view front and back of card)

- Call or e-mail Member Services

Download your free Aetna mobile app from the App StoreSM or AndroidTM Market on Google PlayTM. You may also text “Apps” to 44040 to download.**Standard text messaging rates may apply.

Get VIP treatment every time you callYour Health Concierge is your single point of contact across all Aetna programs. They will help you put all the pieces together — benefits, services, programs and tools. Your call is always confidential.

Call 1-800-334-0110 Monday through Friday, 8 a.m. to 6 p.m. Your Aetna Health Concierge can:

•Explain how benefits work and how to get the most out of your plan

•Help you find network doctors

•Compare costs for procedures, medications and other health services

•Assist with claim payment issues

•Guide you to resources that can help improve your health

After hours? Once you’re a member, you can log in to your secure member website and click “Contact Us” to send a secure e-mail to a concierge — anytime, day or night.

See if your doctor is in the Aetna or SmartCare network Visit www.aetna.com/united to access the DocFind® online provider directory for United. You also may call an Aetna Health Concierge at 1-800-334-0110 to see if your doctor is in the network.

Plan information at your fingertips

Your individual health information is protected and is not shared with United or any third party not affiliated with Aetna other than as allowed by law. So, as you use Aetna services, tools and programs, you can be confident that your information is safe and secure.

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Win prizes for taking healthy actions United will continue to offer wellness program rewards in 2014. Healthy actions include getting your biometric health screening, completing your online Simple Steps Health Assessment, completing a be fit Challenge and more. Learn more about wellness at Flying Together > Employee Services > Benefits > Wellness Program.

Map out your wellness plan Beginning January 1, 2014, you may link to the Simple Steps Health Assessment through Aetna Navigator. It takes less than 20 minutes to answer questions about your lifestyle, health history and other factors related to your overall wellness. Then follow the steps to wellness.

•Get a personal health report — When finished, you’ll get a health report that you can share with your doctor and discuss any concerns.

•Get a personalized action plan — You’ll also get an action plan suggesting ways for you to get healthier and the Aetna programs that may be a good fit in getting there.

•Start getting healthy — Follow your action plan and check out any programs recommended for you. Many programs can be completed online at your own pace.

Use the CarePass® tool to guide you to wellness Everyone has their own journey to becoming healthy. CarePass is another option that can lead you to wellness. Think of it as your personal guide along the way. Challenge yourself by virtually running from one city to another. Lose weight to get into those beloved jeans. Or create your own goal. You will have access to FitBit, Lose It!, Body Media® and Zipongo — and more!

Link to your CarePass account with your Aetna Navigator user name and password. Then you can:

•Set and track goals — Achieve your health and wellness goals using mobile apps, motivation and support.

•Connect your apps — Find and connect your fitness and nutrition apps with CarePass to view all your data in one place.

•Access medical care — Check symptoms, research conditions, find doctors and more with iTriage.

Wellness programs and resources

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Talk with a registered nurse, anytime — day or night Don’t understand your doctor’s instructions? Not sure whether to go to the emergency room or an urgent care center? Want to know more about a specific condition or disease? Call 1-800-556-1555 to talk with an Informed Health® Line nurse.*

While only your doctor can diagnose, prescribe or give medical advice, the Informed Health Line nurses can provide information on more than 5,000 health topics.

*Contact your doctor first with any specific questions or concerns about your health care needs.

Give your baby a healthy start The Beginning Right® Maternity Program gives you information so you can learn about:

•Prenatalcare •Newborncare

•Pretermlaborsymptoms •Quittingsmoking

•Whattoexpectbeforeandafterdelivery •Andmore

If you’re at risk for pregnancy-related conditions, an Aetna nurse will be assigned to help manage your care and make sure you’re doing everything you can to have the healthiest pregnancy possible.

Build your life tree and wellness goals — the fun way With the MindBloom™ game, you use social media to build a “Life Tree” with branches that represent your goals in such areas as health, lifestyle and career to help you grow the life you want. A big part of reaching a goal is to make it fun. As an Aetna member, you can sign up for a lifetime version of the MindBloom Life Game™. Take a look! Go to www.mindbloom.com/promo (promo code: aetnam12).

Save on healthy products and servicesAetna Discount Program saves you money on health-related products and services:

•Aetna vision discounts — Save on eyewear, lenses, cleaners, eyeglass cases — even designer sunglasses.

•Aetna fitness discounts — Pay less on gym membership fees, in-home exercise videos and equipment, and so much more through the GlobalFit® network.

•Aetna weight management discounts — Save on the membership fees for Jenny Craig®

and Nutrisystem® weight-loss plans.

•Aetna natural products and services discounts — Discounts include acupuncture and chiropractic services, vitamins and supplements, aromatherapy, foot care products and so much more.

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Type in a symptom. Learn what to do about it — right from your smartphone iTriage® is a free mobile app from Aetna that helps you answer the three most common medical questions:

•What could be wrong?

•Where can I go for treatment?

•Does the doctor accept my insurance?

iTriage gives you quick, convenient access to information about symptoms and conditions, connects you to nearby doctors in your insurance plan network, and helps you save and manage your health and medical information. Check ER wait times, request an appointment and even check in prior to arrival at select facilities.

Try a virtual doctor appointment The Teladoc® service puts you in touch with a doctor no matter where you are.* Just provide your health history information. Then, when you need care, request a consultation. It’s a convenient way to get care when you’re away or not feeling well enough to leave your home — for example, if you have a fever, upset stomach or headache — or a sick child. A board-certified licensed doctor will review your case and talk with you by phone.** Online video consultations are also available in some areas.*** The doctor can advise you on what to do or prescribe a medication for you. Your cost for the service is the same as your plan costs for your doctors’ visits.

*Teladoc is not available outside of the 50 United States. **Phone service is 24 hours a day. *** Online video is 7 a.m. to 9 p.m. in each time zone. Video consultations are not available in Idaho, Iowa,

Louisiana, Missouri, Ohio and Texas.

Enjoy support from one nurse, every time Answer the phone — an Aetna nurse may be calling to offer support. When your records show that you have certain health risks, the Aetna In Touch CareSM program assigns one Aetna nurse to work with you. This single-nurse approach allows you, your spouse or other family members to build a relationship with the same nurse every time. It also allows the nurse to get to know your unique health history. If any other covered family members have health risks, they may choose to work with the same nurse.

Support that goes the extra mile

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The In Touch Care nurse can:

•Provide information and educational materials to help you understand your health issues and make informed health care decisions

•Help coordinate all the care you may need from different providers and programs

•Connect you to online programs, based on your specific needs: - HealthMedia® BALANCE™ weight management - HealthMedia® OVERCOMING™ Insomnia - HealthMedia® RELAX™ stress reduction - HealthMedia® BREATHE™ to quit smoking - HealthMedia® NOURISH™ healthy eating - HealthMedia® OVERCOMING™ Depression

Get extra help for chronic conditions If your claim information or your Simple Steps health report shows more serious health risks, an Aetna In Touch Care nurse may call to invite you to participate at a deeper level in a chronic illness management program. All you have to do is answer the phone.

You’ll get one-on-one confidential support from a registered nurse who is specially trained for your condition. They support conditions such as diabetes, osteoporosis, heart disease and more.

You don’t have to wait for a phone call. If you know you have a chronic condition or disease, you can call your Aetna Health Concierge at 1-800-334-0110 to see if you qualify.

Let a health coach make lifestyle changes easy Sometimes the best way to meet your health-related goals is with some personal, focused attention. With Healthy Lifestyle Coaching, you work one-on-one — on your schedule — with a highly trained wellness coach to help improve the way you feel every day. It’s a powerful step available at no extra cost to you. The program offers personal coaching and support from experts who specialize in areas like tobacco cessation, weight management, nutrition counseling and more.

When you sign up, we’ll pair you with a coach who’ll work with you throughout the program. Your wellness coach is your ally who will help you make the changes you want to make and celebrate your successes with you, too! Take it as fast or as slow as you want. You decide how and when you work with your coach.

Make the right decision when it comes to surgerySurgery is often an extreme approach to care for most health conditions, and in many cases, there are other solutions. The Welvie Surgery Decision Support Program can help those who are considering surgery make the best choices for their unique situations.

The online program includes easy-to-understand videos that guide you through six steps. The first three steps focus on helping you work with your doctor to determine an accurate diagnosis and understand all of the potential treatment options, including surgery. If surgery is the determined course of treatment, the last three steps help you prepare for the procedure and recovery.

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Choose a health plan that goes where you go2014 Annual Benefits Enrollment is October 14 to November 1, 2013Access your personal enrollment information Log in to Flying Together > Employee Services > Benefits. Click on the Your Benefits ResourcesTM (YBR) link to see which plans are available to you. You can also read about the plan offerings in the benefit – it’s your life magazine that was sent to your home.

ALEX®, not your everyday Alex . . . can helpAlex, the Aetna Benefits Advisor, is an online tool that can help you learn about Health Care Reform.

Access the tool anytime at www.aetna.com/united or at Flying Together > Employee Services > Benefits

Note: No benefits-related information can be obtained from the United.com Ask Alex, United’s pass travel online resource.

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Fly world-class with an industry leaderHere are some of the reasons to choose Aetna:

•For the fourth year in a row, Aetna One Premier’s health concierge customer service call center has been recognized by J.D. Power and Associates for providing “An Outstanding Customer Service Experience.”

•Aetna has been named “Best International Private Health Insurance Provider” for 2013 by Professional Adviser, a leading publication for financial advisers and insurance brokers in the United Kingdom.

•Aetna was one of eight organizations recognized in 2012 by the Department of Health and Human Services (HHS), together with the White House Business Council and the National Business Group on Health, for its commitment to improving health care equality.

Health benefits plans are offered by your employer, with only administrative services provided by Aetna Life Insurance Company. Android and Google Play are trademarks of Google, Inc; Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Not all health and dental services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Plan features and availability may vary by location and group size. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Discount programs provide access to discounted prices and are NOT insured benefits. The member is responsible for the full cost of the discounted services. Aetna does not provide care or guarantee access to health services. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. The health assessment is used in a variety of ways to support Aetna products and services that help you manage your health. We will use your health assessment information in compliance with all applicable state and federal laws, including the Health Insurance Portability and Accountability Act (HIPAA) privacy and security rules. For more information, view our Notice of Privacy Practices located at the bottom of our website, or call the number on your ID card. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.

www.aetna.com

CCG UNITEDAIR-0003 (10/13) ©2013 Aetna Inc.

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Get an electronic copy of this brochure at www.aetna.com/united using your smartphone.