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GradFin GradFin LLC LLC an an an an an an an an independent company is is is is providing a a a a a a a a a a a a a a a a a a student debt refinancing program program to to to customers of Independence Independence Blue Blue Cross Cross GradFin GradFin LLC LLC does not not provide Blue Blue Cross Cross products or or services This is is is is a a a a a a a a a a a a a a a a a a value-added program program and and not not not a a a a a a a a a a a a a a a a a a benefit under an an an an an an an an Independence Independence health plan and and is is is is therefore subject to to to change without notice MDLIVE MDLIVE MDLIVE MDLIVE is is is an an an an an an an independent company providing virtual care care services for Independence Blue Cross Copyright © 2020 MDLIVE MDLIVE MDLIVE MDLIVE Inc All Rights Reserved MDLIVE MDLIVE MDLIVE MDLIVE may may not not not not not not be be be be available in in in in in in in certain states and and and is is is subject to to state state regulations MDLIVE MDLIVE MDLIVE MDLIVE MDLIVE does does not not not not not not replace the primary care care care physician is is is not not not not not not an an an an an an an an an insurance product and and and may may may not not not not not not be be be be be be able able to to substitute for for for traditional in-person care care in in in in in in every every case or or or or for for for every every condition MDLIVE MDLIVE MDLIVE does does does not not not not not not not prescribe prescribe DEA controlled substances and and and and may may may not not not not not not not prescribe prescribe non-therapeutic drugs drugs and and certain other drugs drugs which may may be be be be harmful because of of of their potential for for for for for abuse MDLIVE MDLIVE does does not not not guarantee patients will receive a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a prescription Healthcare professionals using the the the the the the platform have the the the the the the right to deny care care if based on on on on on on professional professional judgment a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a case is is is is inappropriate for for for for telehealth or or or or or or for for for misuse of of of of of of services MDLIVE MDLIVE MDLIVE MDLIVE and and the the the MDLIVE MDLIVE MDLIVE MDLIVE logo are are are registered trademarks of of of of of of MDLIVE MDLIVE MDLIVE MDLIVE Inc and and may not be used without written permission For complete terms terms of of of use use use visit https://www MDLIVE MDLIVE MDLIVE com/terms-of-use/ Magellan Behavioral Health Inc an an an an an an independent company manages mental health and substance abuse benefits for most IBC members Wire® is is a a a a a a a a registered trademark and service mark mark of Relay Network LLC an an an independent company Integrated Behavioral Health (IBH) an an an an independent company provides Personal Life Management IBH IBH IBH does not provide provide Blue Cross products products or or or services services IBH IBH is solely responsible for its products and services Guardian Guardian Group Accident Insurance Insurance Insurance Insurance Insurance Insurance Insurance Cancer Insurance Insurance Insurance Insurance Insurance Insurance Insurance Critical Illness Insurance Insurance Insurance Insurance Insurance Insurance Insurance Hospital Indemnity Insurance Insurance Insurance Insurance Insurance Insurance Insurance Life Life Insurance Insurance Insurance Insurance Insurance Insurance Insurance and Disability Insurance Insurance Insurance Insurance Insurance Insurance Insurance are are underwritten by The The Guardian Guardian Life Life Insurance Insurance Insurance Insurance Insurance Insurance Insurance Company of America New York NY an an an an an an an an an an an an an an an an an independent company Products are are are not available in in in in all states Policy limitations and and exclusions apply Optional riders and/or features may incur additional costs These products provide limited benefits Plan documents are are the final arbiter of coverage Accident Insurance Insurance Insurance Policy Policy Policy Policy Policy Policy Policy Form Form Form Form Form Form Form #GP-1-AC-IC-12 Cancer Insurance Insurance Insurance Policy Policy Policy Policy Policy Policy Policy Form Form Form Form Form Form Form #GP-1-CAN-IC-12 Critical Illness Policy Policy Policy Policy Policy Policy Policy Form Form Form Form Form Form Form #GC-CI-11 Hospital Indemnity Policy Policy Policy Policy Policy Policy Policy Form Form Form Form Form Form Form Form Form #GP-1-HI-15 Term Term Term Term Life Life Life Insurance Insurance Insurance Policy Policy Policy Policy Policy Policy Policy Form Form Form Form Form Form Form Form Form #GC-Life-15-1 0 0 0 0 0 0 AD&D Policy Policy Policy Policy Policy Policy Policy Form Form Form Form Form Form Form Form Form #GC-ADD-15-1 0 0 0 0 0 0 Voluntary Term Term Term Term Life Life Life Policy Policy Policy Policy Policy Policy Policy Form Form Form Form Form Form Form Form Form #GP-1- #GP-1- #GP-1- #GP-1- #GP-1- #GP-1- R-ADCL1-00 Short Term Term Term Disability Disability Form Form Form Form Form et et al al #GP-1-STD-15-1 0 0 0 0 0 Long Term Term Term Disability Disability Form Form Form Form Form #GP-1-LTD-15-1 0 0 0 0 0 et et al al All Stop Loss products products and services services described herein are are provided by HM HM HM HM HM Insurance Insurance Group Group (HM) member member companies companies companies under policy form series HL601 HMP-SL (11/16) HC601 or or or or similar HM HM HM HM HM member member companies companies companies do not provide provide Independence Blue Cross products products products or or or or services services services The companies companies companies in in in in HM HM HM HM HM Insurance Insurance Group Group are are solely responsible for only the Stop Loss products and services indicated herein An affiliate of Independence Blue Cross has a a a a a a financial interest in in in Visionworks Dental plans are sold and administered by United Concordia Companies Inc an an an an an independent company FutureScripts® is an an an independent company providing pharmacy benefits management services for Independence Blue Cross Independence vision benefits are administered by Davis Vision an an independent company The The The Tuition Tuition Tuition RewardsTM program program is is is is provided by The The The College College Tuition Tuition Tuition Benefit® an an an an an an an independent company Neither The The The College College Tuition Tuition Tuition Benefit Benefit nor SAGE Scholars Inc provide provide Blue Cross products or or or services This is is is is a a a a a a a a a a a a a a a a value-added program program and and not not a a a a a a a a a a a a a a a a benefit under an an an an an an an Independence health plan and and is is is is therefore subject to change without notice Blue Blue Blue Blue Blue Blue Blue Blue Cross Cross Cross Cross Global Global is is is a a a a a a a a a a a a a a a a a a a a brand owned by Blue Blue Blue Blue Blue Blue Blue Blue Cross Cross Cross Cross Blue Blue Blue Blue Blue Blue Blue Blue Shield Shield Shield Association Association Bupa Bupa Global Global is is is a a a a a a a a a a a a a a a a a a a a trade trade name name of of of of Bupa Bupa an an an an an an independent independent licensee of of of of Blue Blue Blue Blue Blue Blue Blue Blue Cross Cross Cross Cross Blue Blue Blue Blue Blue Blue Blue Blue Shield Shield Shield Association Association Association an an an an an an an an an an association of of of of of independent independent independent Blue Blue Blue Blue Blue Blue Blue Blue Blue Blue Cross Cross Cross Cross Cross and and and and Blue Blue Blue Blue Blue Blue Blue Blue Blue Blue Shield Shield Shield Shield companies GeoBlue is is is the the trade trade name name of of of of of Worldwide Worldwide Insurance Insurance Services Services LLC LLC (Worldwide Services Services Insurance Insurance Insurance Agency LLC LLC in in in in in California and and and New York) an an an an an an an an an an an an independent independent licensee of of of the the Blue Blue Blue Blue Blue Blue Blue Cross Cross Cross and and and Blue Blue Blue Blue Blue Blue Blue Shield Shield Shield Association: made available in in in in in cooperation with Blue Blue Blue Blue Cross Cross Blue Blue Blue Blue Shield Shield companies select service areas Coverage is provided under under insurance policies underwritten by 4 Ever Life Insurance Insurance Company Oakbrook Terrace IL NAIC #80985 Telemedicine services services via Global TeleMD are provided provided directly to members by by by Teladoc Teladoc Teladoc Health Health Health GeoBlue assumes no no liability and and accepts no no responsibility for for for information provided provided by by by Teladoc Teladoc Teladoc Health Health Health and the the performance of the the services services by by by Teladoc Teladoc Teladoc Health Health Health Independence Independence Blue Cross offers products through its subsidiaries Independence Independence Hospital Indemnity Plan Plan Keystone Health Plan Plan East and and QCC Insurance Company and with Highmark Blue Blue Blue Shield Shield — independent licensees of the Blue Blue Blue Cross and and Blue Blue Blue Shield Shield Association