Medical Expenses: If You Are Enrolled in the JPMorgan Chase Medical Plan

If you are enrolled in the JPMorgan Chase Medical Plan, the funds in your Medical Reimbursement Account (MRA) will be used to pay for eligible out-of- pocket medical and prescription drug expenses before your Health Care Spending Account funds are used. The claim processing method that applies to your MRA (i.e., Automatic Claim Payment or Debit Card) will apply to your Health Care Spending Account for Medical Plan expenses.

Using Automatic Claim Payment for Medical Plan Expenses

If you elected or were assigned (if applicable) Automatic Claim Payment for your MRA, that method will also apply to your Health Care Spending Account. With Automatic Claim Payment, you do not have to submit a paper claim form to be reimbursed from your Health Care Spending Account for medical expenses.

In-network providers will generally submit your Medical Plan claim electronically to your health care company; you will not be asked to pay at the point of service. Your health care company will pay your provider for the Plan's share of the expense and will make payment to your provider for your share of the expense first from your MRA and then from your Health Care Spending Account. If your MRA and Health Care Spending Account have been depleted, your provider will bill you for the remaining balance.

In the case of an out-of-network provider, you should ask if they will submit the claim for you. If they agree to do so, your claim will be processed as described above for an in-network provider. If you are required to pay in full at the point of service, you would need to file a Medical Claim Form to be reimbursed for the Medical Plan's share of the expense.

Medical claims can be filed online with your health care company, at www.mycigna.com or www.aetna.com, as appropriate. You can also file paper claims, if you prefer. (See "Paper Reimbursement Claims.") For any claims, you can sign up for direct deposit with your health care company, so that any reimbursements are deposited directly into your account, instead of having a check mailed to you.

In addition to processing the claim to determine the amount the Medical Plan should have paid, your health care company will determine what amount can be reimbursed to you from your MRA and/or Health Care Spending Account. Your health care company will make payment first from your MRA and then from your Health Care Spending Account.

When you fill a prescription at a network pharmacy or use Maintenance Choice® (including mail order), your claim will be submitted to CVS Caremark. After CVS Caremark pays its share of the cost, your health care company will pay your share of the expense first from your MRA and then from your Health Care Spending Account. If your MRA and Health Care Spending Account do not have enough money to cover your share of the cost, you will need to pay the amount you owe out-of-pocket.

If you purchase your prescription drugs through a non-network pharmacy or do not show your CVS Caremark ID card at network pharmacy, you will have to pay for the prescription drug and then file a CVS Caremark Claim Form to be reimbursed for the amount owed by the Plan. After you receive your Explanation of Benefits you can submit the MRA and/or HCSA Claim Form to request reimbursement for your share of the expense from your MRA and/or Health Care Spending Account. (See "Paper Reimbursement Claims").

Using the Debit Card for Medical Plan Expenses

If you elected or were assigned (if applicable) the Debit Card for your MRA, that method will also apply to your Health Care Spending Account. When you receive a service you have a choice whether to pay the expense out-of-pocket or with your debit card. When using the debit card to pay for eligible expenses incurred by a covered dependent, be sure to include the dependent's name.

In-network providers will submit a claim to your health care company, which will pay your provider for the Medical Plan's share of the expense. Your doctor will bill you for your share. You can then decide whether to use your debit card to pay your bill or pay out-of-pocket.

If you use your debit card to pay your share of the expense, you would give your provider your debit card number and the card would use funds first from your MRA and then from your Health Care Spending Account to pay the provider. You should keep your receipt in case you are asked to substantiate your expense; see "Debit Card General Information."

If you pay out-of-pocket, you may request reimbursement from your MRA and Health Care Spending Account by submitting the MRA and/or HCSA Claim Form (see "Paper Reimbursement Claims").

When you visit an out-of-network provider, you should show the provider your Medical Plan ID card and ask if they will submit the claim for you. If they agree to do so, your claim will be processed as described above for in- network providers (your health care company will pay your provider for the Medical Plan's share of the expense and your doctor will bill you for your share). You can then decide whether to use your debit card to pay your bill or pay out-of-pocket. If you wish to use your debit card and if the provider will accept your debit card as payment, your claim will be processed in the same way as with an in-network provider – the card would use funds first from your MRA and then from your Health Care Spending Account to pay the provider. You should keep your receipts in case you are asked to substantiate your expense; see "Debit Card General Information."

If an out-of-network provider will not accept your debit card, you will need to pay the full expense out-of-pocket and file a Medical Claim Form to be reimbursed for the Medical Plan's share of the expense. You can then request reimbursement from your MRA and Health Care Spending Account for your share of the expense by submitting the MRA and/or HCSA Claim Form (see "Paper Reimbursement Claims").

When you fill a prescription at a network retail pharmacy or use Maintenance Choice® (including mail order), your claim will be submitted to CVS Caremark. After CVS Caremark pays its share of the cost, you can decide whether to use your debit card to pay your share of the cost or pay out-of-pocket at the pharmacy. If you use your debit card, the card will use funds first from your MRA and then from your Health Care Spending Account. If you pay out-of-pocket, you can submit the MRA and/or HCSA Claim Form to request reimbursement for your share of the expense from your MRA and Health Care Spending Account (see "Paper Reimbursement Claims"). You should keep your receipt in case you are asked to substantiate your expense; see "Debit Card General Information."

If you purchase your prescription drugs through a non-network pharmacy or do not show your CVS Caremark ID card at a network pharmacy, you will have to pay for the prescription drug and then file a CVS Caremark Claim Form to be reimbursed. After you receive your EOB you can submit the MRA and/or HCSA Claim Form to request reimbursement for your share of the expense from your MRA and Health Care Spending Account. (See "Paper Reimbursement Claims").