Common use of INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT Clause in Contracts

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) for your healthcare coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your • how your health coverage works; • how BCBSRI processes claims for the health services you receive; • your rights and responsibilities as a BCBSRI member; • BCBSRI’s rights and responsibilities; and • tools and programs to help you stay healthy and save money. We encourage you to read this agreement to learn about all the advantages of being a BCBSRI member. Below are some helpful tips on how to find what you need in this agreement. • As a member, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. • The Table of Contents will help you find the order of the sections as they appear in the agreement. • The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. • Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. • Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. • When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to the enrolled subscriber and/or member. These words are also defined in the Glossary. • Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) for your healthcare coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your plan, including: • how your health coverage works; • how BCBSRI processes claims for the health services you receive; • your rights and responsibilities as a BCBSRI member; • BCBSRI’s rights and responsibilities; and • tools and programs to help you stay healthy and save money. We encourage you to read this agreement to learn about all the advantages of being a BCBSRI member. Below are some helpful tips on how to find what you need in this agreement. • As a member, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. • The Table of Contents will help you find the order of the sections as they appear in the agreement. • The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. • Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. • Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. • When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to the enrolled subscriber and/or member. These words are also defined in the Glossary. • Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) BCBSRI for your healthcare Medicare supplement coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your plan, including: • how your health coverage works; • how BCBSRI processes claims for the health services you receive; • your rights and responsibilities as a BCBSRI membersubscriber; • BCBSRI’s rights and responsibilities; and • tools and programs to help you stay healthy and save money. We encourage you to read this entire agreement to learn about all the advantages of being a BCBSRI membersubscriber. The entire contract consists of the application, this agreement, and any attached amendments. Statements made by you to obtain insurance under this agreement will be deemed representations and not warranties. Below are some helpful tips on how to find what you need in this agreement. • As a membersubscriber, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. • The Table of Contents will help you find the order of the sections as they appear in the agreement. • The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. • Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. • Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. • When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to you, the enrolled subscriber and/or membersubscriber. These words are also defined in the Glossary. • Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) for your healthcare coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your • plan, including:  how your health coverage works; •  how BCBSRI processes claims for the health services you receive; •  your rights and responsibilities as a BCBSRI member; •  BCBSRI’s rights and responsibilities; and •  tools and programs to help you stay healthy and save money. We encourage you to read this agreement to learn about all the advantages of being a BCBSRI member. Below are some helpful tips on how to find what you need in this agreement. •  As a member, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. •  The Table of Contents will help you find the order of the sections as they appear in the agreement. •  The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. •  Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. •  Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. •  When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to the enrolled subscriber and/or member. These words are also defined in the Glossary. •  Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) for your healthcare coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your •  how your health coverage works; •  how BCBSRI processes claims for the health services you receive; •  your rights and responsibilities as a BCBSRI member; •  BCBSRI’s rights and responsibilities; and •  tools and programs to help you stay healthy and save money. We encourage you to read this agreement to learn about all the advantages of being a BCBSRI member. Below are some helpful tips on how to find what you need in this agreement. •  As a member, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. •  The Table of Contents will help you find the order of the sections as they appear in the agreement. •  The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. •  Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. •  Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. •  When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to the enrolled subscriber and/or member. These words are also defined in the Glossary. •  Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) BCBSRI for your healthcare Medicare supplement coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your • plan, including:  how your health coverage works; •  how BCBSRI processes claims for the health services you receive; •  your rights and responsibilities as a BCBSRI membersubscriber; •  BCBSRI’s rights and responsibilities; and • tools and programs to help you stay healthy and save money. We encourage you to read this entire agreement to learn about all the advantages of being a BCBSRI membersubscriber. The entire contract consists of the application, this agreement, and any attached amendments. Statements made by you to obtain insurance under this agreement will be deemed representations and not warranties. Below are some helpful tips on how to find what you need in this agreement. •  As a membersubscriber, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. •  The Table of Contents will help you find the order of the sections as they appear in the agreement. •  The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. •  Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. •  Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. •  When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to you, the enrolled subscriber and/or membersubscriber. These words are also defined in the Glossary. •  Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) for your healthcare dental coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health dental plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your •  how your health dental coverage works; •  how BCBSRI processes claims for the health dental services you receive; •  your rights and responsibilities as a BCBSRI member; •  BCBSRI’s rights and responsibilities; and • tools and programs to help you stay healthy and save money. We encourage you to read this agreement to learn about all the advantages of being a BCBSRI member. Below are some helpful tips on how to find what you need in this agreement. •  As a member, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. •  The Table of Contents will help you find the order of the sections as they appear in the agreement. •  The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. •  Section 3: Covered Dental Services shows the benefit limits that may apply to  Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. •  Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare dental coverage. Please see Section 8 for definitions of these words. •  When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to the enrolled subscriber and/or member. These words are also defined in the Glossary. •  Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. ‌ Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) BCBSRI for your healthcare Medicare supplement coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your plan, including: • how your health coverage works; • how BCBSRI processes claims for the health services you receive; • your rights and responsibilities as a BCBSRI membersubscriber; • BCBSRI’s rights and responsibilities; and • tools and programs to help you stay healthy and save money. We encourage you to read this entire agreement to learn about all the advantages of being a BCBSRI membersubscriber. The entire contract consists of the application, this agreement, and any attached amendments. Statements made by you to obtain insurance under this agreement will be deemed representations and not warranties. How to Use This Agreement‌ Below are some helpful tips on how to find what you need in this agreement. • As a membersubscriber, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. • The Table of Contents will help you find the order of the sections as they appear in the agreement. • The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. • Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. • Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. • When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to you, the enrolled subscriber and/or membersubscriber. These words are also defined in the Glossary. • Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.

INTRODUCTION TO YOUR SUBSCRIBER AGREEMENT. ‌ Thank you for choosing Blue Cross & Blue Shield of Rhode Island (BCBSRI) for your healthcare coverage. We appreciate the trust you’ve placed in us and want to help you make the most of your health plan. In this Subscriber Agreement (agreement), you’ll find valuable information about your • how your health coverage works; • how BCBSRI processes claims for the health services you receive; • your rights and responsibilities as a BCBSRI member; • BCBSRI’s rights and responsibilities; and • tools and programs to help you stay healthy and save money. We encourage you to read this agreement to learn about all the advantages of being a BCBSRI member. How to Use This Agreement‌ Below are some helpful tips on how to find what you need in this agreement. • As a member, you are responsible for understanding the benefits to which you are entitled under this agreement and the rules you must follow to receive those benefits. • The Table of Contents will help you find the order of the sections as they appear in the agreement. • The Summary of Benefits, included in this agreement, shows the amount you pay out of your own pocket. • Important contact information, such as, telephone numbers, addresses, and websites are located at the end of this document. • Some words and phrases used in this agreement are in italics. This means that the words or phrases have a special meaning as they relate to your healthcare coverage. Please see Section 8 for definitions of these words. • When we use the words “we,” “us,” and “our,” we are referring to BCBSRI. When we use the words “you” and “your” we are referring to the enrolled subscriber and/or member. These words are also defined in the Glossary. • Many sections of this document are related to other sections. You may need to reference more than one section to find the information you need.