PATRIOTEXCHANGE
PROGRAMSM

Medical insurance for individuals and groups
involved in educational or cultural exchangeHello. Hola. Hallo. Hej. 您好.
You can greet someone in a foreign country in many ways. When you travel, stay safe and secure bysaying hello to Patriot Exchange ProgramSM, a one-of-a-kind international travel medical insurance
plan that brings you Global Peace of Mind® when you’re traveling abroad.

Why Patriot Exchange Program?
Traveling abroad can be an exciting experience, especially when
you’re involved in an educational or cultural exchange program.
But what would happen if you became ill or injured while awayfrom home? Your experience can quickly turn frightening if you’re
not prepared for a medical emergency.
Whether your trip takes you abroad for a few weeks or an entire
year, your cultural exchange experience should be an enjoyable
one. You have enough to worry about when you’re traveling. Don’t
let your medical coverage be an uncertainty. International Medical
Group® (IMG®) has developed the Patriot Exchange ProgramSM toprovide you, your group, and your dependents traveling with
you Coverage Without Boundaries®. The plan offers a package ofinternational benefits available 24 hours a day. Simply select theplan option that best fits your needs.

The Patriot Exchange Program is designed to meet the U.S. visa
insurance requirements for individuals and groups of two or more
students studying abroad or participating in a cultural exchange
program, including J1 and J2 visa holders. Coverage may bepurchased for spouses and unmarried, dependent children
traveling with the student/participant. Individuals and groups canselect from different plan options—$50,000*, $100,000, $250,000,
and $500,000 maximum limit per illness/injury. This program alsooffers two different areas of coverage, and an optional add-on
rider for high school sports, personal liability, and legal assistance.
In addition, groups may purchase annually-renewable long-termplans that have the flexibility to be tailored to meet specific needsof each program.
*The $50,000 maximum limit per Illness/Injury option does not comply with J1 and J2 visa
requirements.

SAFETY SOLUTIONS
Pursuing an education away from your home country is already stressful. We know your safety while studying abroad is important to you,so IMG’s Patriot Exchange Program has solutions designed to protect you and give you Global Peace of Mind.

PHYSICAL HEALTHCRISIS SUPPORTYou can’t plan when you get sick, and unfortunately,
it can happen anytime and anywhere. Medical bills
can be expensive, and IMG plans provide the crossborder medical coverage you need for unexpected
medical care and routine visits.

Navigating an emergency in a foreign country isnever easy. That’s why IMG offers a multilingual staff
of nurses, doctors, and case managers provide 24/7
assistance services to facilitate a response to urgent
and emergency situations, such as evacuations or
search and rescue missions.

MENTAL WELLNESS

Being away from your support system can bechallenging. IMG provides access to mental healthservices, like virtual counseling, to help with thetransition as you adapt to cultural differences,adjust to a change in education, and navigate new
relationships while you’re away from loved ones.

PERSONAL PROPERTY

There are some belongings you know you can’t live
without. IMG has you covered and can reimburse
costs if your essential items like a phone, camera,
baggage, or important travel documents are lost,
stolen, or damaged during your travels or while
you’re residing abroad.

FINANCIAL PROTECTION

Costs can add up while seeking medical treatment.
However, access to IMG’s international physician
and provider networks and pharmacy discountprograms can help you save on out-of-pocket
medical expenses and prescription medications.

Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance andgoverning policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

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PATRIOT EXCHANGE PROGRAM

Why IMG?
IMG offers exceptional service from the moment you purchase a product or service to the moment you need to use it. We know thatwhen spending your hard-earned money, you want it to go to a company you can trust. IMG’s longevity, stability, and credibility will give
you peace of mind when making a purchase. When away from home, your number one priority is safety. IMG provides safety solutions toaddress the many and varied needs of global citizens all over the world.
SERVICESTABILITY

IMG has call centers based in the United States and United
Kingdom, offering medical, travel, and security services 24/7.
Our highly trained staff have experience working in remote andhazardous regions, juggling multiple time zones, languages, andcurrencies. IMG will ensure you get the help you need, when andwhere you need it. IMG provides best-in-class technology offerings
allowing you to manage claims, your account, and search for aprovider through our online self-service portal, MyIMG.

IMG has experience serving millions of customers worldwide since1990 and boasts a large collection of personalized offerings for any
type of individual or group traveling, working, or living away fromhome. We’re owned by SiriusPoint*, a multi-billion dollar, AM Best“A-” rated insurance industry leader. IMG offers access to quality
care through a network of providers and facilities across the globe.
Don’t just take our word for it, our reputable assistance services
have attracted the business of multiple Fortune 500 companies
and other insurance providers.
*SiriusPoint is the DBA of SiriusPoint Ltd.

4

Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance andgoverning policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

PATRIOT EXCHANGE PROGRAM
SUMMARY OF BENEFITS

Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Limits per Period of Coverage unless stated as Maximum Limit

Coverage Limit / Maximum Amount for Eligible Medical Expenses
Plan Details

In-Network

Out-of-Network

Maximum Limit

International$5,000,000

Per Illness or Injury Limit$50,000, $100,000, $250,000, or $500,000

Deductible Options$0, $100, $250, or $500 per illness or injury available

Coinsurance for Eligible Medical Expenses

PLAN DETAILS

Coinsurance In addition to Deductible

Plan pays 90%
Insured pays 10%

Plan pays 80%
Insured pays 20%

Plan pays 100%
Insured pays 0%

Out of Pocket Maximum$1,000Up to the Maximum Limit$0

Precertification
Interfacility Ambulance Transfer, Emergency Medical Evacuation
All other Treatments & supplies

No coverage if Pre-certification requirements are not met
50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met

Pre-existing Conditions
Pre-existing conditions

 Charges resulting directly or indirectly from or relating to any Pre-existing Condition

Period of Coverage Limit (after 12 months): $500
Maximum Limit: $1,500

that existed within 36 months prior to the Effective Date are excluded until the
Insured Person has maintained 12 months of continuous coverage under thisinsurance.

Student Health Center
Copayment per visit$5 Not subject to the per Illness or Injury Deductible
 Copayment is not applicable if the Declaration states a $0 Deductible

Plan pays 100%
Insured pays 0%

Coinsurance

Inpatient/Outpatient Benefits
Eligible Medical Expenses

90%

80%

100%

90%

80%

100%

90%

80%

100%

90%

80%

100%

90%

80%

100%

 Average semi-private room rate Includes nursing, miscellaneous and Ancillary Services

90%

80%

100%

Intensive Care

90%

80%

100%

90%

80%

100%

Physician / Specialist Visit
 Maximum Visits per day: 1(unless visit is for a different medical/surgical specialty)

Urgent Care

 Not subject to Deductible
 Copayment: $50
 Copayment is not applicable if the Declaration states a $0 Deductible

PHYSICAL HEALTH

Walk-in Clinic

 Not subject to Deductible
 Copayment: $20
 Copayment is not applicable if the Declaration states a $0 Deductible

Hospital Emergency Room

 Injury: Not subject to Emergency Room Deductible
 Illness: Subject to a $500 Deductible for each Emergency Room visit for Treatmentthat does not result in a direct Hospital admission.

Hospitalization / Room & Board

Bedside VisitNot subject to Deductible
Maximum Limit: $1,500
Hospitalized in an Intensive Care Unit
Refer to the BEDSIDE VISIT provision for further details

Outpatient Surgical / Hospital Facility

90%

80%

100%

Laboratory

90%

80%

100%

Radiology / X-ray

90%

80%

100%

Groups may also purchase a customizable long-term plan. Any coverages, benefits and premium rates offered are in U.S. Dollars. Benefits are
subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing
policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

5

PATRIOT EXCHANGE PROGRAM
SUMMARY OF BENEFITS( C O N T I N U E D )Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Limits per Period of Coverage unless stated as Maximum Limit

Inpatient/Outpatient Benefits (Continued)
Plan Benefits

In-Network

International

Pre-admission Testing

90%

80%

100%

Surgery

90%

80%

100%

90%

80%

100%

90%

80%

100%

Reconstructive Surgery

 Surgery is incidental to and follows Surgery that was covered under the plan

Assistant Surgeon

 20% of the primary surgeon’s eligible fee

PHYSICAL HEALTH

Out-of-Network

Anesthesia

90%

80%

100%

Durable Medical Equipment

90%

80%

100%

90%

80%

100%

90%

80%

100%

90%

80%

100%

90%

80%

100%

Chiropractic Care Medical order or Treatment plan required

Physical Therapy

 Maximum Visits per day: 1
 Medical order or Treatment plan required

Extended Care Facility

 Upon direct transfer from an acute care Hospital

Home Nursing Care
 Provided by a Home Health Care Agency

 Upon direct transfer from an acute care Hospital

Prescription Drugs and Medication
The following Prescription Drugs and Medication Period of Coverage limit accumulates toward the Maximum Limit
Prescription Drugs and Medication

 Period of Coverage limit: $250,000 per person
 Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency

N/A

90%

100%

90%

80%

100%

90%

80%

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

N/A

100%

100%

100%

MENTALWELLNESS

Room and Outpatient Office Visits Dispensing maximum for Retail Pharmacy: 90 days per prescription

Mental or Nervous / Substance Abuse
Inpatient Mental or Nervous / Substance Abuse Maximum Limit: $10,000
 Not covered if incurred at the Student Health Center

Outpatient Mental or Nervous / Substance Abuse Maximum Limit per day: $50
 Maximum Limit: $500
 Not covered if incurred at the Student Health Center

Emergency Services
Emergency Local Ambulance Subject to Deductible
 Injury Illness resulting in a Hospitalization admission

CRISIS SUPPORTEmergency Medical Evacuation

 Maximum Limit: $50,000
 Must be approved in advance and coordinated by the Company

Emergency Reunion






Maximum Limit: $15,000
Maximum Days: 15
Meal Maximum per day: $25
Reasonable and necessary travel costs and accommodations
Must be approved in advance by the Company

Interfacility Ambulance Transfer

 Up to the per Injury or Illness limit
 Services rendered in the United States
 Transfer must be a result of an Inpatient Hospital admission

Political Evacuation and Repatriation

 Maximum Limit: $10,000
 Must be approved in advance by the Company

6Groups may also purchase a customizable long-term plan. Any coverages, benefits and premium rates offered are in U.S. Dollars. Benefits are
subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing
policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

PATRIOT EXCHANGE PROGRAM
SUMMARY OF BENEFITS( C O N T I N U E D )Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Limits per Period of Coverage unless stated as Maximum Limit

Emergency Services (Continued)
Plan Benefits

In-Network

Out-of-Network

International

100%

100%

100%

100%

100%

100%

100%

100%

100%

N/A

90%

100%

90%

80%

100%

CRISIS SUPPORT

Repatriation for Medical Treatment

 Maximum Benefit: $100,000
 Approved in advance and coordinated by the Company
 Refer to the REPATRIATION FOR MEDICAL TREATMENT provision for further details

Return of Mortal Remains






Maximum Limit: $25,000
Local Burial / Cremation at place of death
Maximum Limit: $5,000
Return of Insured Person’s Mortal Remains to Country of Residence
Must be approved in advance by the Company

Other Services
Terrorism

 Maximum Limit: $50,000

PHYSICAL HEALTH

Dental Treatment
 Period of Coverage Limit: $350

(Treatment due to Unexpected pain to sound, natural teeth) Period of Coverage Limit per Injury: $500

(Non-emergency Treatment at a Dental Provider due to an Accident)
Traumatic Dental Injury

Subject to Deductible and Coinsurance
Up to the Maximum Limit
Treatment at a Hospital Facility due to an Accident
Additional Treatment for the same Injury rendered by a Dental Provider will be paid
at 100%

Accidental Death: 100% of Principal Sum
Accidental Dismemberment:
Loss
Sight of 1 eye
1 hand or 1 foot1 hand and loss of sight of 1 eye
1 foot and loss of sight of 1 eye
1 hand and 1 footBoth hands or both feet
Sight of both eyes

Accidental Death & Dismemberment
FINANCIAL PROTECTION

 Principal Sum Maximum: $25,000 Death must occur within 90 days of the Accident

Percent of Principal Sum
50%
50%
100%
100%
100%
100%
100%

Incidental Trip

 Maximum days: 14
 Country of Residence is outside the United States Refer to the INCIDENTAL TRIP provision for further details

90%

80%

100%

Optional Add-On Rider
Personal Liability

 Injury to third party: $2,000 per period of coverage limit after $100 deductible
 Damage to third party’s property: $500 per period of coverage limit after $100

100%

CRISISSUPPORT

PHYSICALHEALTHPERSONAL
PROPERTY

deductible

Lost Personal Property100%

 $250 per period of cover age limit

Limited High School and College Sports

100% Company pays 100% after deductible is met

Legal Assistance$500
period of coverage limit

Groups may also purchase a customizable long-term plan. Any coverages, benefits and premium rates offered are in U.S. Dollars. Benefits are
subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing
policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

$500
period of coverage limit$500
period of coverage limit

7Adventure Sports Rider

Universal Rx is a discount savings program that allows you
to purchase prescriptions from one of 35,000 participating
pharmacies in the U.S. and receive the lower of 1)
Universal Rx contract price or 2) the pharmacy regularretail price. This network offers a simplified claims processwith minimal paperwork for the member if they visit an
in-network provider.

The Adventure Sports Rider is available on the Patriot
Exchange Program for individuals and groups, and theirdependents, up to the age of 65. Certain activities designatedas adventure sports can be covered up to the maximums
listed below. Certain activities are never covered, regardlessof whether or not you purchase the Adventure Sports Rider.
For a list of all the activities which can be considered to beadventure sports, a sample rider can be provided uponrequest.

This program is not insurance coverage; it is purely a discount program.

PHYSICAL HEALTH

Teladoc provides access to a national network of boardcertified doctors and pediatricians in the U.S. who areavailable 24 hours a day, seven days a week, 365 days ayear to help diagnose, treat and prescribe medication(when necessary and available) for many non-emergent
medical issues via phone or online video consultations.
Teladoc does not replace existing primary care physician
relationships, but supplements them as a convenient,affordable alternative for non-emergency medical care.
The use of Teladoc will be considered as treatment inside
the U.S. - PPO Network.

PHYSICAL HEALTH

Pharmacy Discount Savings

Teladoc (For groups only)

8

PEP OPTIONAL RIDERSFINANCIAL PROTECTIONFINANCIAL PROTECTIONPEP INCLUDED SERVICES

AGE

MAXIMUM LIMIT

Through age 49$50,000

50 - 59$30,000

60 - 64$15,000

Chaperone/Faculty Leader Trip
Interruption Rider

Groups may request the Chaperone/Faculty Leader Trip
Interruption rider which offers up to $3,000 in benefits. In
the event of the original chaperone/leader’s hospitalization,a relative’s unexpected death, or travel plans must be
cancelled as a result of a break-in or destruction due toforces of nature at his/her residence, the subsequentchaperone/faculty leader can be reimbursed for the certaintransportation costs to join the group.

Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance
and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

PEP PLAN INFORMATION
Eligibility

Renewal of Coverage

To be eligible to apply to the Patriot Exchange Program plan, youmust:» Be a participant: a student, scholar, intern, teacher, or trainee
enrolled in an educational or cultural exchange program forthe purposes of teaching, study, research, or receiving on the
job training for a temporary period of time
» Be the spouse of a participant or children of a participant andresiding outside his/her primary country of residence for a
temporary period of time. Primary applicant must hold a J,
M, F, or A visa
» Be at least 31 days old but not yet 65 years old» Be physically and legally residing in the destination country
with the intent to reside there for at least 30 days on theeffective date and at renewal

Eligible insureds can request coverage under the plan be reneweda minimum of five (5) days, up to a maximum of 48 continuous
months, as long as the premium is paid when due and the insured
continues to meet the eligibility requirements of the plan.

Enrollment Process

Before you begin your travel, simply apply online or fill out theapplication and calculate the estimated premium for the time
period you, your group, and/or your dependents will be traveling.
Once you have completed the application, return it to yourinsurance agent and/or IMG.
Eligible individuals listed on the application and for whompremiums have been paid will be covered from the latest of thefollowing dates:
1. The date IMG approves your completed application andreceives the appropriate premium
2. The date you depart from your country of residence
3. The date requested on your application
Fulfillment Kits

IMG processes applications in a quick, timely manner. Once
processing is complete, IMG will email the fulfillment kit(s) to theemail listed in the application. The fulfillment kit(s) will include an
IMG identification card(s), and the insurance certificate providing
a complete description of the rights and benefits under thecontract.
Conditions of Coverage

1) Coverage and benefits are subject to the deductible, limits,and coinsurance, and all terms of the certificate of insurance andmaster policy and all governing documents, as summarized in
the certificate of insurance. 2) Coverage under a Patriot Exchange
Program plan is secondary to any other coverage. 3) Coverageand benefits are for eligible medical expenses which are medicallynecessary and usual, reasonable, and customary. 4) Charges must
be administered or ordered by a licensed physician. 5) Charges
must be incurred during the period of coverage.

How Does the United States Affordable Care Act(ACA) Affect My Coverage?
Non-U.S. Citizens: As non-resident aliens, international students,
scholars, and people involved in cultural exchange programs on
F, J, M, or Q visas (and certain family members) are not subject
to the individual mandate for their first five years in the U.S. Allother J categories (teacher, trainee, work and travel, au pair, highschool, etc.) are not subject to the individual mandate if in the
U.S. for two of the past six years. Since international students are
not subject to the mandate, they are not required to purchase aplan that meets ACA requirements and can purchase the Patriot
Exchange Program.
U.S. Citizens: Under the ACA, all U.S. citizens, nationals, andresident aliens are required to purchase minimum essential
coverage (ACA-compliant coverage), unless they are exempt.
Exempt U.S. citizens include U.S. citizens who reside outside of the
U.S. for 330 of any 365-day period, or have a tax home (main placeof work or employment, or if you don’t have a main place of workor employment, your main residence) in a foreign country, and area bona fide resident of a foreign country.
Please note that this insurance is not subject to, and does not provide benefits
required by, ACA. Since January 1, 2014, ACA requires U.S. citizens, U.S. nationals
and resident-aliens to obtain ACA compliant insurance coverage unless they
are exempt from ACA (international students on F, J, M and Q visas (and certain
family members of students) are not subject to the individual mandate for
their first 5 years in the U.S. All other J categories - teacher, trainee, work andtravel, au pair, high school, etc. - are not subject to the individual mandatefor 2 years out of the past six). Penalties may be imposed on persons who are
required to maintain ACA compliant coverage but do not do so. Eligibility topurchase or renew this product, or its terms and conditions, may be modified
or amended based upon changes to applicable law, including ACA. Please notethat it is solely your responsibility to determine if ACA is applicable to you andthe Company and IMG shall have no liability whatsoever, including for any
penalties that you may incur, for your failure to obtain required ACA compliant
coverage. For information on whether ACA applies to you or whether you are
eligible to purchase the Patriot Exchange Program, please see IMG’s Frequently
Asked Questions at imglobal.com/en/client-resources/PPACA-FAQ.aspx. The
materials available on this website are for informational purposes only and not
for the purpose of providing legal advice. You should contact your attorney toobtain advice with respect to any particular issue or problem. This brochure isintended to convey general information only and not to provide legal advice
or opinions.

9PEP CLAIMS PROCEDURE
Precertification

How to File a Claim

Certain treatment and supplies including hospital admission,
inpatient or outpatient surgery, and other procedures as noted in
the certificate wording must be precertified for medical necessity,
which means the insured person or their attending physician
must communicate with an IMG representative at the number
listed on the IMG ID card prior to admission to a hospital before
receiving certain treatments and supplies, or performance of asurgery. In case of an emergency admission, the precertificationmust be made within 48 hours of the admission, or as soon asreasonably possible. If a hospital admission or a surgery is notprecertified, eligible claims and expenses will be reduced by
50 percent. It is important to note that precertification is only adetermination of medical necessity, not an assurance of coverage,
verification of benefits, or a guaranty of payment. All medical
expenses eligible for reimbursement must be medically necessary
and will be paid or reimbursed at usual, reasonable and customaryrates. Please refer to the certificate wording for full details of theprecertification requirements.

If a provider doesn’t submit a claim on your behalf, the fastest
and most convenient way to submit a claim is through our online
customer portal, MyIMG. If it is your first time using MyIMG, follow
these steps to register:» Go to http://www.imglobal.com/member and click “Create an
Account”» On the next screen, enter your Certificate, Policy Number, orInsured/Member ID, and click “Continue”» Once the system verifies this information, follow the remaining
steps to complete your registration» Once you’ve created a MyIMG account, follow these steps tosubmit a claim:» Log in to the MyIMG portal, click “Claims”» In the drop-down menu, click “My Claims”» On the next screen, select the policy or certificate. Click“Submit New Claim” and follow the prompts to complete yoursubmission

Contact IMG at +1.317.655.4500 or acm@imglobal.com. Pleasebe sure to send any private information in a secure manner.
Note: You may begin the precertification process through MyIMG
or the Client Resources section of imglobal.com. Simply look for theprecertification option. You will be asked to provide the required
information, which can then be submitted electronically. Once we havereceived all required information and medical records, our utilization
management and review team will review the information provided andnormally responds to the insured person or the provider within 2 businessdays. Please note that this online service will only initiate the process fortreatment and supplies outlined in the contract, and it should not be
used to request precertification for emergency admissions, procedures,or evacuations.

Self-Service Member Portal

Along with filing claims online, MyIMGSM provides service at yourfingertips, giving you the information and tools to manage your
IMG plans anytime, anywhere, through award-winning, easy-touse technology. You’ll have immediate access to these importantresources online, including our 24/7/365 service centers, plan
document access, claims management tools, Explanations ofBenefits, and much more.
U.S. Network Access

UnitedHealthcare provides travelers in the U.S. with direct accessto one of the largest networks of providers in the U.S. that includes:» Over 1.4M physicians» 6,797 hospitals» Over 45,000 clinics» 67,000 pharmacies» 1,800 convenience clinics
International Provider Access SM

Travelers outside of the U.S. can also enjoy access to quality
healthcare worldwide with our proprietary IPA network that
includes:» Over 45,000 physicians and facilities» Direct billing arrangements that minimize time and upfront
expense10

PAT R I OTEXCHANGEP R O G R A M SM

Producer Contact Information

Coverage is underwritten and issued by SiriusPoint Specialty
Insurance Corporation, rated “A-” (excellent) by A.M. Best andA- by Standard & Poor’s (at the time of printing).
This invitation to inquire allows eligible applicants an opportunity to seek information about
the insurance offered and is limited to a brief description of any loss for which benefits may
be payable.
Benefits are offered as described in the Insurance Contract. Benefits are subject to all
deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the
Insurance Contract. Certain contracts do contain a pre-existing condition exclusion and do
not cover losses or expenses related to a pre-existing condition.

CM0050A1973230118

HIRANO - HOLCOMB INSURANCE AGENCY, LLC
P.O. BOX 12580
MILL CREEK, WA 98082
Phone: 206-755-5585
Fax: 888-391-5155
masako@mhhinsurance.com
http://www.mhhinsurance.com

This brochure contains many of the valuable trademarks, names, titles, logos, images, designs,
copyrights and other proprietary materials owned and registered and used by International
Medical Group, Inc. and its representatives throughout the world. © 2007-2022 International
Medical Group, Inc. All rights reserved.
The UnitedHealthcare name and logo are registered trademarks of UnitedHealth Group in the
U.S. and other jurisdictions.

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