MAX HAS YOU COVEREDIndependent Health’s Max provides you with the coverage you need to live your life to the fullest. As a deductible plan, Max provides you with the safety net you need to focus on what’s next rather than the “what ifs.” Plus, with extra perks like valuable savings on a wearable wireless activity tracker of your choice, staying active is easy.

I N D E P E N D E N T H E A LT H ’ S

MaxSM plan

ACTIVITY TRACKER SAVINGSStart tracking your activity. You’ll be reimbursed 50% of the cost of any wearable wireless activity tracker of yourchoice (up to $50 each for you and yourcovered spouse).

NUTRITION AND FITNESS BENEFITSPut money back in your pocket – where it belongs – with one of two unique benefits: the Nutrition Benefit or $250 Health ExtrasSM* Benefit.

NO DEDUCTIBLE PRIMARY CARE OFFICE VISITSSee your doctor for sick visits and pay onlya copay. Getting the care you need is easierand more affordable than ever!**

TELEMEDICINE BENEFITWhen you can’t get to the doctor’s office,talk with a doc by Web or phone 24 hoursa day, 7 days a week for only $10.

DEDUCTIBLE TRACKERGet an instant snapshot of how much you have paid toward your deductible bylogging in to your online account or fromyour phone with our mobile app: MyIH.�

FREE PREVENTIVE CARE Immunizations, HPV screenings, lab services, annual OBGYN visits and more are covered – free of charge.

VISION DISCOUNTSSee the world the way it should be seen,thanks to great savings on eyeglass frames,lenses and contacts at participating EyeMed retail locations.

FITWORKS® ONLINE WELLNESSGet motivated and connect with others through online fitness challenges,community forums, and more.

URGENT CARE COVERAGEThe ER isn’t the only place to get immediatecare. Save money, and time by seeking careat a participating urgent care center.

EMERGENCY COVERAGENo matter where you travel in the world,rest assured when an emergency happens,you’re covered.

WELLNESS DISCOUNTS Enjoy special savings on everything fromacupuncture and massage therapy to dental care and fitness equipment.

OTHER GREAT BENEFITS

EXCITING PLAN BENEFITS

HOW IT WORKS

Benefits vary by plan. For additional details, check the benefit summary enclosed in your sales packet.* Pending New York State approval.** Primary Care Office Visit copay amount does not apply to your plan deductible. † $2 in fresh produce must be purchased in a single transaction. $2 in fresh produce spending is calculated after all store discounts have been subtracted from your order. Canned or frozen fruits and vegetables

are excluded. Money back is in the form of store credit for future purchases. Available on select Independent Health plans. Excludes Medicare Advantage plans. Benefits vary by plan..©2015 Independent Health Benefits Corporation IH19424OG-6432-6897 NEW 0914 PR 0914-L

Familiarize yourself with the total amount of your deductible.

Knowing your plan deductible is important because you’reresponsible for paying all charges until this deductibleamount is met. Once you’ve met your deductible, you’reonly responsible for a portion of the cost in the form of a copay (set dollar amount) or coinsurance (a certain percentage of the cost).

Use our NEW Deductible Tracker tool available throughour mobile phone app: MyIH. Or view it online at independenthealth.com:

1. Log in to your account.2. Check out the “deductible thermometer.” 3. Know where you’re at. It’s that easy!

Note: Tracker tool utilizes claims data submitted by providersand processed by Independent Health. Claims not yet submittedby providers are not reflected in the tracker tool display.

We’ll send you a monthly summary statement You’ll be able to see the dollar amount that has been applied toward your deductible for the previous month, as well as what’s left to pay out of pocket toward your deductible.

We’ll send you an Explanation of Benefits (EOB) This lists all of the claims we have received at that point in time from your provider. Use both the monthly summarystatement and the Explanation of Benefits to track your costs.

View a video on understanding your Explanation of Benefits (EOB). Visit independenthealth.com/EOB

Download our mobile app, MyIH, for Apple and Androidproducts. Visit mobileapp.independenthealth.com

TRACK YOUR DEDUCTIBLE

Sales Department(716) 631-5392 or 1-800-453-1910

independenthealth.com

NUTRITION AND FITNESS BENEFITS

Independent Health’s Nutrition Benefit: Our nutrition benefit gives you the opportunity to get a $1 credit back for every $2 you spend on fresh fruits and vegetables at TOPS Friendly Markets! As an individual you can earn up to $500, or $1,000 as a family each year!† To learn more about this excitingnew benefit, visit independenthealth.com/nutrition.

Independent Health’s Health ExtrasSM Benefit: With Health Extras you’ll receive a $250 prepaid MasterCard®

to use toward a variety of health and wellness services. Be sure to visit independenthealth.com/healthextraslistto view the current list of available vendors specific to your plan.

With Max, you can choose one of two unique benefits, both of which you’ll be eligible for after completing a Well-Being Assessment:

OR