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BlueCrossBlueShield of Alabama
September 30,2013

contract Number:

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Hayward M Ballard

Dear Mr. Ballard:

Thank you for being a valued Blue Cross and Blue Shield of Alabama member and for placing your trust in us to provide coverag for what matters most - your health. lt's no secret that the Affordable Care Act (commonly known as healthcare reform or Obamacare) is bringing changes to the healthcare industry. Despite all the changes, Blue Cross is available to assist you and wil continue to provide you with quality health coverage.

How will the Affordable Care Act affect my health coverage? Eased on new requirements ol the Alfordoble Care Act, the plan you are currently enrolled in must end after December 31, 2013. Beginning in 20t4, all health insurance companies must offer plans that meet certain requirements. your current plan does not meet all of the new Affordable Care Act benefit requirements. The Affordable Care Act will require rnost Americans to have health insurance, so it is important to maintain coverage throughout 2014 orthe federal government may require you to pay a fine. We will offer new individual and family health plans that include all the required benefits of the Affordable Care Act. Enclosed is a summary of the new health plans we are offering to you for a coveiage effective date
beginning January 1, 2OL4.

tlllhat do I need to do? There is nothing you are required to do. We will automatically enroll you into our new Blue Secure Silver plan to help you avoi break in health coverage. with Blue Secure Silver, you will enjoy the security of our vast provider network and the peace of m that comes with having quality Blue cross health coverage. with no further action on your part, your new contract will automatically begin on Janue;5!?9,1L?-!d we will bill you for this recommended plan in December. your new monthly premium for this plan will we have enclosed hightights of your new plan for you to review.

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What if I want to choose a different plan? open Enrollment for all of our new plans begins october L,2oL3, and ends March plan, you may enroll in any one of them by following these easy steps:

3l, zoLl.lf you prefer to choose a different

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Visit www.ibcbsal.com/switch, to choose a different plan. Make your new plan choice on the enclosed Change of Benefit plan Election form. or, call our customer service Department tollfree at 1-855-350-7443 (TTy 711) Monday through Friday 7:30 a.m. to 6:00 p.m.

We must receive your new Plan choice on or before December 75, 207g, to ensure yaur efiective date of coverage witt be lonuary 7, 2074. lf you wont to keep the recommended plan, there is nothing you need to do, We will outomoticolly enroll yo end you will be billed for your new premium omount.