ACTION BENEFITS OFFERS AGENTS INNOVATIVE …

1 ACTION BENEFITS is an Authorized Managing agent for Blue Cross Blue Shield of michigan and Blue Care Cross Blue Shield of michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield BENEFITS OFFERS AGENTSINNOVATIVE SOLUTIONS, agent ADVOCACY, AND EXCELLENCE IN Our Valued agent Partners,Recently, Blue Cross Blue Shield of michigan and Blue Care Network (BCBSM and BCN) announced a significant change to the Managing agent (MA) distribution channel. After more than a year of analysis and evaluation, including significant input from an outside consulting firm, BCBSM made the decision to reduce the number of MAs. They noted that many factors contributed to this decision, but BCBSM s continuing efforts to lower administrative costs and increase efficiency was a driving force.

2 Specifics regarding the timing and details of the transfer will be released soon, but I feel it is important to comment directly regarding this announcement, as it s a significant change. You may recall that eighteen months ago BCBSM announced their Blue Alignment strategy with lowering administrative costs as a key focus. One of the more visible actions taken was a reduction in commissions. The recent MA consolidation announcement allows BCBSM to reduce costs further by tapping into economies of scale within the MA system, eliminate redundancies, increase efficiencies and value, and continue to prepare BCBSM for the impending changes facing our understand the strategy, and the need for change is also clear. That said, for nearly 25 years we ve worked with, competed against and supported our industry with the other MAs.

3 We respect all of them and know that they care deeply about the AGENTS they ve served for so many years. We are honored by the trust that BCBSM has shown in our firm and excited by the new opportunities, but we recognize that this change will be difficult for this change progresses, I want to assure you that we will be ready to provide you with the exceptional, timely service and assistance you expect. We continually monitor processing and resolution times to ensure that you and your clients are receiving the highest level of s much work ahead and our goal is to make this transition as easy as possible. If you would like to learn more about ACTION BENEFITS , the investments we have made, our focus on great staff, our systems and our overall business, you can review our Corporate more about our processes, view contact information for our staff, as well as helpful information on our website and training opportunities on the following feel free to contact me, Rick Emig, Sr.

4 Vice President, or our team with any questions you may have. I am personally committed to doing all we can to ensure your Blue business is ,Karl W. Albrecht, CEBS President, ACTION BenefitsLETTER FROM THE PRESIDENTTABLE OF CONTENTSCLICK ON THE HEADING BELOW TO GO DIRECTLY TO THAT SECTIONMEET OUR TEAMS AND LEARN HOW THEY CAN BEST ASSIST YOUEXECUTIVE 3 PROCESSING 3 SERVICE 3 INDIVIDUAL TEAM (OVER AND UNDER 65)..PG. 3 RATE RENEWAL CERTIFICATION 3 agent RELATIONS/MARKETING 4 COMMISSIONS 4 INVENTORY/SUPPLIES 4 INFORMATION ON HELPFUL SERVICES AND RESOURCESREACH THE FIRST AVAILABLE REPRESENTATIVE 5 SECURE EMAIL: ZIX 5 LIFE CYCLE AND QUICK REFERENCE 5 agent EDUCATION AND BUSINESS DEVELOPMENT 6 ACTION WEB: agent 7 DOCUMENT QUICK LINKSCLICK ON THE LINKS BELOW TO OPEN THAT DOCUMENT IN A NEW WINDOWCOMPLETE STAFF LISTINGEXECUTIVE BIOS THE ALBRECHT COMPANIES CORPORATE SUMMARY ACTION WEB SIGN-UP FORMINFORMATION ON ACTION ACTIVITY DASHBOARDINFORMATION ON DEPOSIT FORMINFORMATION ON WIIN AND GENERATION IPG.

5 2 PROCESSING TEAMThe Processing Team can assist with: New Business case validation, submission, and confirmation of proper set-up CLICK HERE FOR NEW BUSINESS PROCESSING GUIDE Group Wide Change validation, submission, and confirmation of proper set-up CLICK HERE FOR GROUP WIDE CHANGE PROCESSING GUIDE Completion of proposal requests CLICK HERE FOR CUSTOM PROPOSAL REQUEST FORM FOR GROUPS 2-49 CLICK HERE FOR CUSTOM PROPOSAL REQUEST FORM FOR GROUPS 50-99 CLICK HERE TO MEET OUR PROCESSING TEAMEXECUTIVE TEAMThe Executive Team is committed to ensuring that all of your interactions with ACTION BENEFITS are positive and meet your needs. With a lead-by-example approach, the Executive Team is engaged in creating an infrastructure and environment that allows the ACTION Team to HERE TO MEET OUR EXECUTIVE TEAMSERVICE TEAMThe Service Team can assist with group or individual business, including.

6 Claim issues Billing issues Policy questions Current/renewal rate requests Copies of invoices Policy exceptions Contract additions/deletions/changes Product information/clarification CLICK HERE FOR SERVICE ISSUE PROCESSING GUIDEG eneral questions about New Business, Group Wide Changes, Proposals, Rate Renewal Certifications or Underwriting guidelines can be directed to the Service Team at 866-501-8727 or email HERE TO MEET OUR SERVICE TEAMINDIVIDUAL TEAM (OVER AND UNDER 65)The Individual Team can assist with: MyBlue individual case validation, submission, and confirmation of proper set-up CLICK HERE FOR ONEBLUE PROCESSING GUIDE CLICK HERE FOR MYBLUE PROCESSING GUIDE Medicare Advantage or Medigap case validation, submission, and confirmation of proper set-up CLICK HERE FOR MEDICARE ADVANTAGE QUICK REFERENCE GUIDECLICK HERE TO MEET OUR INDIVIDUAL TEAMPG.

7 3 RATE RENEWAL CERTIFICATION TEAMThe Rate Renewal Certification Team can assist with: Rate Renewal Certification validation, submission, and confirmation of proper set-up CLICK HERE FOR RATE RENEWAL CERTIFICATION PROCESSING GUIDE Common control configurationsCLICK HERE TO MEET OUR RATE RENEWAL CERTIFICATION TEAMPG. 4 agent RELATIONS/MARKETING TEAMThe agent Relations/Marketing Team can assist with: Any special needs from customized marketing pieces to assistance with the sales process Inquiries regarding recent communications ACTION BENEFITS agent advocacy efforts Questions and support regarding the websites Questions regarding special events sponsored/hosted by ACTION BENEFITS ACTION Web sign-up/overview CLICK HERE TO COMPLETE THE ACTION WEB SIGN-UP FORMCLICK HERE TO MEET OUR agent RELATIONS/MARKETING TEAMCOMMISSIONS TEAMThe Commissions Team can assist with: Commission inquiries agent of Record (AOR) requests Payment designation changes Updating your contact information email, address, phone, etc.

8 Initiate direct deposit requests CLICK HERE TO COMPLETE THE DIRECT DEPOSIT FORMCLICK HERE TO MEET OUR COMMISSIONS TEAMINVENTORY/SUPPLIES TEAMThe Inventory/Supplies Team can assist with: Supply orders Questions regarding the online supply catalog and how to utilize the toolCLICK HERE TO MEET OUR INVENTORY/SUPPLIES TEAMCORPORATE SUMMARYLEARN MORE ABOUT ACTION BENEFITS AND THE ALBRECHT COMPANIESIf you would like to learn more about ACTION BENEFITS , the investments we have made in technology, our focus on great staff and our overall business, you can read more in our Corporate HERE TO REVIEW OUR CORPORATE SUMMARYREACH THE FIRST AVAILABLE REPRESENTATIVE AUTOMATICALLYWITH DEPARTMENTAL EMAIL BOXESA ction BENEFITS makes every effort to ensure that the appropriate staff responds to your questions and inquiries in a timely manner so that you can best service your clients.

9 Below is a list of departmental email boxes that have been created so that your message reaches the first available representative with the expertise to respond quickly. Of course, you are still welcome to contact our representatives directly. These email boxes are provided as an additional resource for you and your support AddressWhen To paperwork and inquiries related to New Business or Group Wide for proposals or that are normally handled by the Service Team (membership updates, group cancellations, claim issues, for information about renewals or common control for information about Medicare and inquiries for MyBlue/Individual coveragePG. 5 ACTION BENEFITS uses Zix Works to secure emails. Zix Works scans the content of our emails and if it finds information that could be considered HIPAA protected, it encrypts the message.)

10 If the recipient of the email also uses Zix Works, the email will go directly to their inbox. However, if the recipient does not use Zix Works for encrypting their emails, they will receive a link in their email to a Secure Email Portal. There they can log in and check their encrypted you have never received a secure email from us, you will be prompted to set up a password for the secure email portal. There are specific security requirements for the complexity of the password to help ensure that the email is not easily accessed by an unintended recipient. If you forget your password, you can click the Change your password link and enter a new password. Another link will be sent to your inbox to verify/activate the new password. We encrypt these sensitive emails to protect our AGENTS and to comply with federal regulations.