UnitedHealth Group Incorporated (UnitedHealth Group) is a diversified health and well-being company. The Company operates in four segments: UnitedHealthcare, which includes UnitedHealthcare Employer & Individual, UnitedHealthcare Medicare & Retirement and UnitedHealthcare Community & State; OptumHealth; OptumInsight, and OptumRx. UnitedHealthcare serves the health benefits needs of individuals across life's stages through three businesses. UnitedHealthcare Employer & Individual serves individual consumers and employers. The health needs of seniors are served by UnitedHealthcare Medicare & Retirement. UnitedHealthcare Community & State serves the public health marketplace, offering states Medicaid solutions. Optum serves health system participants, including consumers, physicians, hospitals, governments and pharmaceutical companies, through its OptumHealth, OptumInsight and OptumRx businesses. In February 2012, the Company acquired XLHealth Corporation.

WellPoint, Inc. (WellPoint) is a health benefit company in terms of medical membership in the United States, serving 34.3 million medical members through its affiliated health plans and a total of 65.3 million individuals through all subsidiaries as of December 31, 2011. The Company manages its operations through three segments: Commercial, Consumer, and Other. The Company is an independent licensee of the Blue Cross and Blue Shield Association (BCBSA), an association of independent health benefit plans. It offers a spectrum of network-based managed care plans to the large and small employer, individual, Medicaid and senior markets. Its managed care plans include preferred provider organizations (PPOs); health maintenance organizations (HMOs); point-of-service plans (POS) plans; traditional indemnity plans and other hybrid plans, including consumer-driven health plans (CDHPs); and hospital only and limited benefit products. In June 2012, the Company acquired 1-800 CONTACTS, Inc.

About us We’ve been there for you in the past, providing health care for more than 60 years. We’re here for you today and in days to come, with our ongoing commitment to quality. And we share this tradition and commitment by reaching out to your community, and promoting health and wellness for all. Community involvement We’re dedicated to improving the health of our members and the communities we serve, by creating safe, healthy environments and providing care and coverage for all. Learn how our community involvement reaches far and wide. History of Kaiser Permanente For more than 60 years, Kaiser Permanente has provided quality health care. Learn about our history, how our approach to health care started, and how it continues to this day. Quality center You want the best care possible for yourself and your loved ones. It’s our mission to provide this high-quality care. Learn how we do this, and about our ongoing commitment to quality. Structure of Kaiser Permanente Get the facts and figures about Kaiser Permanente—where you find us, the number of doctors and members, and more.

Humana Inc. (Humana) is a health care company. Humana operates in three segments: Retail, Employer Group, and Health and Well-Being Services. The Company offers a range of insurance products and health and wellness services that incorporate an integrated approach to lifelong well-being. As of December 31, 2011, it had approximately 11.2 million members in its medical benefit plans, as well as approximately 7.3 million members in its specialty products. During the year ended December, 31, 2011, 76% of its premiums and services revenue were derived from contracts with the federal government, including 16% related to its Medicare Advantage contracts in Florida with the Centers for Medicare and Medicaid Services (CMS), and 10% related to its military services contracts. Under its Medicare Advantage CMS contracts in Florida, it provides health insurance coverage to approximately 381,300 members. In August 2012, the Company acquired Harris, Rothenberg International, Inc.

Health Net, Inc. is a managed care company that delivers managed health care services through health plans and Government-sponsored managed care plans. It operates in three segments, Western Region Operations, Government Contracts and Northeast Operations. It provides and administers health benefits to approximately six million individuals across the country through group, individual, Medicare, Medicaid, the United States Department of Defense (DoD), including TRICARE, and Veterans Affairs programs. Its behavioral health services subsidiary, Managed Health Network, Inc., provides behavioral health, substance abuse and employee assistance programs to approximately five million individuals, including its own health plan members. Its subsidiaries also offer managed health care products related to prescription drugs. In April 2012, its subsidiary, Health Net Life Insurance Company, sold its Medicare stand-alone Prescription Drug Plan (Medicare PDP) business to a subsidiary of CVS Caremark.

Cigna Corporation (Cigna) is a holding company. Cigna is a global health service company, with insurance subsidiaries that are providers of medical, dental, disability, life and accident insurance and related products and services. In the United States, these products and services are offered through employers and other groups, and in selected international markets, Cigna offers supplemental health, life and accident insurance products and international health care coverage and services to businesses, governmental and non-governmental organizations and individuals. The Company also has certain run-off operations, including a Run-off Reinsurance segment. Cigna operates in five segments: Health Care, Disability and Life, International, Run-off Reinsurance, and Other Operations, including Corporate-owned Life Insurance. On January 31, 2012, Cigna acquired HealthSpring, Inc. In August 2012, it acquired Great American Supplemental Benefits from American Financial Group, Inc.

At Anthem Blue Cross we understand our health connects us to each other. What we all do impacts those around us. So Anthem is dedicated to delivering better care to our members, providing greater value to our customers and helping improve the health of our communities.

Anthem Blue Cross is the trade name of Blue Cross of California.  Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association.  ® ANTHEM is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

There may be times when we use other companies to give our members and providers certain types of services, like Utilization Management or Case Management. We would always make sure that it was approved by law and allowed by our contracts beforehand.

Radiant Services, LLC may be part of the approval process for care you receive. Whether Radiant is involved or not, the process is the same. Radiant is owned by our parent company with some staff outside the United States. We want to help you get access to quality, efficient care that is backed by scientific research. Radiant shares that goal. If you have questions about Radiant, please contact Member Services.

The Blue Cross and Blue Shield Association is a national federation of 38 independent, community-based and locally operated Blue Cross® and Blue Shield® companies. The Association owns and manages the Blue Cross and Blue Shield trademarks and names in more than 170 countries and territories around the world. The Association grants licenses to independent companies to use the trademarks and names in exclusive geographic areas. The Association also operates several business initiatives in support of the Blue Cross and Blue Shield companies and represents the Blue System in national forums. In this role as a national association, BCBSA is responsible for advancing Blue Cross and Blue Shield interests in legislative and regulatory initiatives in Washington, D.C., as well as coordinating legislative, regulatory and political strategy for the Blue System.

Aflac Incorporated (Aflac) is a general business holding company and acts as a management company, overseeing the operations of its subsidiaries by providing management services. Its business is supplemental health and life insurance, through its subsidiary, American Family Life Assurance Company of Columbus, which operates in the United States and as a branch in Japan. Aflac s insurance business consists of two segments: Aflac Japan and Aflac U.S. Aflac Japan sells voluntary supplemental insurance products, including cancer plans, general medical indemnity plans, medical/sickness riders, care plans, living benefit life plans, ordinary life insurance plans and annuities. Aflac U.S. sells voluntary supplemental insurance products including loss-of-income products and products designed to protect individuals from depletion of assets (hospital indemnity, fixed-benefit dental, vision care, accident, cancer, critical illness/ critical care, and hospital intensive care plans).