Blue & You - Autumn 2015

Autumn
2015
A publication for the policyholders of the Arkansas Blue Cross and Blue Shield family of companies
page
12
Enrollment
information
pages
4-5
Arkansas Blue Cross honored
by American Red Cross
page
10
Bullying
prevention
page
16

3
4
5
6
7
8
- Out of the Blue
- Medicare enrollment is here
- Important information for members
with individual or family policies
- Internet safety reminder
- The ABCs of 1095 tax forms
- Shop, enroll, pay: Insurance just got easier
- My Application Tracker gets a new look
9 - Your search is now simpler
22
10
12
14
15
16
18
- Living Fearlessly: Arkansas Blue Cross
employees honored by American Red Cross
- Raising funds and awareness to
“eLEMONate” cystic fibrosis
- You asked ... we responded
- Why are we encouraging our members
to have primary care physicians?
- Bullying prevention
- Packing healthy school lunches
20
21
22
23
24
25
26
27
- New and upcoming generics
- UAMS medical students receive
Arkansas Blue Cross and Blue
Shield Primary Care Scholarships
- Interprofessional education team
gets national recognition
- Arkansas Blue Cross awards grant
to establish nursing professorship at
University of Arkansas at Pine Bluff
- Arkansas Blue Cross named one of the
Best Places to Work in Arkansas
- New ArkansasBlue opens in
Red Wolves territory!
- Annual notice
- Women’s health and cancer rights act
- Customer service numbers
Autumn
2015
28
- Catch free tickets to “The Gingerbread Man”
EDITOR: Jennifer Gordon – bnyou-ed@arkbluecross.com • DESIGNER: Ryan Kravitz • PHOTOGRAPHER: Chip Bayer
CONTRIBUTORS: Chip Bayer, Ben McVay and Alex Roberts VICE PRESIDENT of CORPORATE MARKETING: Karen Raley
DIRECTOR of CORPORATE MARKETING: Kelly Whitehorn
BLUE & YOU Autumn 2015
on the
cover
Nine-year-old Aven Emery set up her lemonade stand
on the steps of the Arkansas Capitol building to help
“eLEMONate” cystic fibrosis. See page 12 for more.

A true Arkansas solution
As members of the Arkansas Legislature consider
the future of healthcare in our state, Arkansas
Blue Cross and Blue Shield wants to build on the
progress we’ve already made and work together
to ensure a system that’s by and for Arkansans.
To keep Arkansas moving in a stronger, healthier
direction, we recommend that we, as a state:
Adopt a holistic view of the healthcare system
that makes care more affordable for everyone.
Arkansas’ healthcare delivery system should
provide cost effective, high-quality care to all
residents, regardless of the source of payment for
that care. Traditionally funded Medicaid fee-forservice
payments artificially suppress the cost of
care for one population while driving higher prices
for others. A collaborative approach to engaging the
healthcare delivery system to effectively manage
care and costs is critical to the long-term viability
of the state’s healthcare system, particularly in
rural areas. By paying market established rates
to doctors and hospitals, Arkansas’ response to
Medicaid expansion has opened up access to care
across the state, while coming in below Medicaid
budget guidelines. Moving forward, we need to
build on this program—as well as the value-based
innovations we have achieved across the healthcare
system as a whole— as we also implement more
actively managed care strategies for individuals
with complex health needs.
Give healthcare consumers the support
they need to use their care wisely.
More than 60% of patients say they have no idea
about the cost of their care until they receive a
bill. 1 We need to give people the support that will
help them understand (and become invested in)
the cost implications of their healthcare choices.
Having access to care is one thing, knowing how to
use that care is something much more significant.
Comprehensive healthcare literacy education
and the one-on-one support of local healthcare
navigators who can help individuals choose
care wisely and direct individuals to community
resources should be a requirement for all health
plans charged with caring for the current Private
Option population.
Create incentives for greater
personal responsibility.
1. Institute of Medicine, September 2012
2. Robert Wood Johnson Foundation. Chronic Care: Making the Case for Ongoing Care.
Princeton, NJ: Robert Wood Johnson Foundation; 2010:16
In a country where 84% of all healthcare spending
is on those with one or more chronic medical
conditions 2 , it’s clear that we need to focus on the
kinds of care and support that address the lifestyle
risks and behaviors that lead to chronic illness.
The newly insured present a unique opportunity
to tackle the root causes of poor health through
member-centered support and education. By
building appropriate incentives into the program
around preventive care and wellness, such as
requirements to complete a health risk assessment,
select a primary care doctor and complete an
annual physical, we can reinforce personal
responsibility and move a long way towards
improving Arkansas’ overall health ranking.
“OUT OF THE BLUE”
CONTINUED ON PAGE 26
Autumn 2015 BLUE & YOU

MEDICARE
Annual Election Period
October 15 through December 7
Medicare’s Annual Election Period (AEP) begins
October 15, and runs through December 7.
During AEP, Medicare beneficiaries can purchase a Medicare Advantage plan and/or a Medicare
Part D prescription drug plan. You also may change from your existing plan. If you join a plan during
AEP, or make changes to an existing plan, your new benefits will be effective January 1, 2016.
Affordable coverage and peace of mind
Arkansas Blue Cross and Blue Shield’s Medicare products continue to offer members low monthly premiums.
In 2016, choose from:
MEDICARE FEATURING:
ADVANTAGE • Low monthly premiums – with some plans as low as $0 a month
PLANS • Option to include prescription drug coverage
• Access to the state’s top doctors and hospitals
• Free basic fitness center membership
MEDICARE
PRESCRIPTION
DRUG PLANS
FEATURING:
• Competitively priced monthly premiums
• Convenient home delivery with our mail-order program
MEDICARE
SUPPLEMENT
PLANS
FEATURING:
• Affordable monthly premiums
• Coverage for all conditions from day one, upon acceptance
Attention Medicare Advantage and
Medicare Part D plan members
If you have a Medicare Advantage or Medicare
Part D plan, this fall you will receive an Annual
Notice of Change (ANOC), which will explain any
changes to your current plan that will become
effective in January. If you are satisfied with
your current plan, you are not required to
change anything.
If you would like to learn more
about our Medicare plans...
Call your local Medi-Pak ® Choice licensed agent
or 1-844-298-2444 to learn more. You also can visit
our website, arkansasbluecross.com/Medicare.
We’d love to hear from you. If you have a friend or
family member who will be looking for a Medicare
Advantage or Part D plan this AEP, we hope you’ll
recommend Arkansas Blue Cross!
4 BLUE & YOU Autumn 2015

IMPORTANT INFORMATION
For members with individual or family policies
Selecting a health insurance plan
is one of the most important
decisions you can make to protect
you and your family, so it is
important to make the best choice.
Your open enrollment period
(OEP) begins November 1 and
ends January 31*. During OEP,
you will be able to review your
information and decide if you
want to keep the plan you have,
make changes to your current
plan or change health plans.
Watch your mail for a letter
from Arkansas Blue Cross
that will explain your options
in more detail. Because
information regarding the
health plans on the Health
Insurance Marketplace will not
be available until November 1,
we can’t discuss your options
with you until then. But as soon
as the information is available,
we will be happy to help!
If you need to choose a new
health plan because you either
didn’t have coverage before or
are leaving a group health plan
provided by your employer, call
us, or if you have an agent, call
your agent. We can help you
determine your options. Call
1-800-238-8379 after November 1
for more information.
*For policies purchased before
April 1, 2010, OEP is October 1
through December 15.
INTERNET
SAFETY
REMINDER
Shopping and managing personal accounts
online is so simple and convenient that it’s easy
to forget about the dangers of being hacked.
Here are five tips when using the Internet to
make sure your data stays protected:
1.
2.
3.
Keep your computer’s anti-virus and
anti-spyware up to date
Keep all of your passwords secure
Don’t click on links or open attachments
from people you don’t recognize
4.
5.
Check a site for an indication that it’s
secure, including a small lock icon on
your web browser’s status bar or a
web address that begins with “https”
(the “s” stands for “secure”)
Call your bank, service provider or the
institution to verify any information
requests or if you have any questions
Autumn 2015 BLUE & YOU
5

The
ABCs
of 1095
TAX FORMS
In 2016, everyone who files a 2015 federal income tax return also will need to include
at least one 1095 tax form. A 1095 tax form provides basic information about your health
insurance and is proof that you had healthcare coverage.
You may receive a 1095 A, B or C tax form from either the federal government, state of
Arkansas, your health insurance provider or your employer. You also may receive more than
one 1095 tax form if you had more than one form of healthcare coverage during the year.
1095-A
1095-B
or
1095-C
If you purchased healthcare coverage through healthcare.gov and
received financial assistance through an advanced premium tax credit
(subsidy) to help lower the cost of your monthly health insurance
premium, you should receive a 1095-A tax form from the federal
government. If you received healthcare coverage through the Private
Option, you should receive a 1095-A tax form from the state of Arkansas.
If you purchased your health plan directly from Arkansas Blue Cross and Blue
Shield, you should receive a 1095-B tax form. If you have healthcare coverage
through an employer, you may receive a 1095-B or 1095-C tax form from either
Arkansas Blue Cross, Health Advantage, USAble Mutual or your employer.
Exclusions
What you should know
• If you don’t receive a 1095 tax form. If you
don’t receive at least one form by early
February, you should contact the entity
that should have issued it to you (federal
government, state or Arkansas, Arkansas
Blue Cross or your employer).
• If you receive more than one form, they
should show – collectively – for which months
you had coverage.
Some of our members won’t receive a 1095 tax form from us.
If you have coverage such as a short-term plan, that doesn’t meet
the government requirements to be a qualified health plan, you
won’t receive a 1095. If you aren’t sure if you should receive a
1095 from us. you can call the Customer Service number
associated with your health plan on page 27.
The type of 1095 tax form you receive is not that important. What is important:
• That the information on the form(s) is accurate.
If you don’t agree with the information, you can
contact the entity that issued it to you (federal
government, state of Arkansas, Arkansas Blue
Cross or your employer) to discuss it.
If Arkansas Blue Cross provides you with a 1095-B,
you will be able to print additional copies from
My Blueprint, our member self-service website.
It’s one more reason to register for My Blueprint!
Your tax preparer should be able to answer any questions you have regarding your healthcare coverage and taxes.
Arkansas Blue Cross does not provide tax advice.
6 BLUE & YOU Autumn 2015

Insurance just got easier
Life gets busy – we understand – so we’ve been working to
make it a little easier. Beginning in December, if you purchase
healthcare coverage directly from Arkansas Blue Cross and
Blue Shield or through healthcare.gov, you will be able to set
up automatic payments through your account in our secure
member website, My Blueprint, at arkansasbluecross.com.
If you are considering purchasing healthcare coverage from
us for the first time during this year’s open enrollment, you
will be able to shop, enroll and pay for the first month of
your insurance coverage in one easy transaction. After you
pay your first month’s premium, you will have the option
of setting up automatic payments for your health or dental
insurance coverage.
If you prefer to set up automatic payments later, or if you
want to change how you are paying — maybe from a
checking account to a credit card — you can do that, too.
It will all be available beginning in December.
We also offer several other options, including paying in
person with a monthly bill. See your options below and
choose what’s best for you!
OPEN
ENROLLMENT
BEGINS
November 1
for Individual and
Family plan members
Auto Pay
New
Members
Online or
Mobile
By phone
By mail
In person
Payment Options
Set up autopayments online at arkansasbluecross.com
(beginning in December).
Pay your first premium when you complete your application
online at arkansasbluecross.com.
Go to arkansasbluecross.com/paybill or log in to the secure
member website, My Blueprint, from our home page
1-800-354-9904
Members with metallic
medical plans (Gold, Silver,
Bronze, Catastrophic):
Enterprise Exchange Services
P.O. Box 34320
Little Rock, AR 72203-4320
All other members
(including dental and
non-metallic medical plans):
Arkansas Blue Cross and Blue Shield
Attn: Cashiers (Drafts)
P.O. Box 3590
Little Rock, AR 72203-432
Stop by one of the 250 convenient Moneygram locations,
found at moneygram.com, or visit one of our offices in
locations throughout the state (see page 27 for locations).
For more information on your payment options, visit arkansasbluecross.com/paybill
Autumn 2015 BLUE & YOU
7

myAPPLICATIONTRACKER
gets a new look
If you enroll online with Arkansas Blue Cross and Blue Shield this year, you’ll be using
the redesigned My Application Tracker tool. My Application Tracker is a seamless part of
the healthcare coverage shopping experience. It creates a personal, password-protected
account when you submit your medical coverage application. You can log in later to:
Check the status
of your application
See if we need any additional
documentation from you
Sign up for email updates
Shop for additional coverage
8 BLUE & YOU Autumn 2015
To access My Application Tracker
after you’ve submitted an application,
go to arkansasbluecross.com and
select “Applicant” under “Log in.”

Y O U R
SEARCH
WILL SOON BE
SIMPLER
Hola! Habla espanol?
~
El directorio ~ de
proveedores en
epanol estara
disponible en
Noviembre.
Beginning in November, our
online list of in-network doctors
and hospitals, or provider directory,
will be updated to make finding
care easier. The update looks a little
like Google, with just one search
bar. In it you can enter a doctor or
clinic name, specialty, or a medical
condition you’re experiencing,
and receive a list of healthcare
professionals who can treat you.
More filters to
narrow your
search and find
exactly what
you need
OTHER UPDATES INCLUDE:
Added quality
star ratings
to compare
doctors
Now accessible
across devices,
including your
smartphone
We tested the new directory with
members. They found it to be easier
to use — we think you will, too!
Autumn 2015 BLUE & YOU
9

Kirstie Kelly, chairperson for the Arkansas Blue Cross
Employees’ Committee accepts the American Red
Cross 2015 Clara Barton Distinguished Humanitarian
of the Year Award on behalf of all employees.
F
rom cleaning up the devastation left behind by
tornadoes, to giving of their own blood, Arkansas
Blue Cross and Blue Shield employees have long
been involved in helping their fellow Arkansans
through the American Red Cross. This year, for the
first time ever, the 13th American Red Cross Clara
Barton Distinguished Humanitarian of the Year award
went … not to one person … but to the employees
of Arkansas Blue Cross. Because Blue cares.
The award was presented at the annual Arkansas
Heroes Celebration luncheon. Candace A. Carey,
American Red Cross of Greater Arkansas executive
director, shared with attendees the reasons why the
actions of the employees at Arkansas Blue Cross
warranted the award.
‘‘
10 BLUE & YOU Autumn 2015
Arkansas Blue Cross employees
honored by American Red Cross
“The enthusiasm of the employees of Arkansas
Blue Cross to support the mission of the Red Cross
continues to be impressive. From generous financial
support from the Blue & You Foundation to expand
our health and safety training infrastructure, to
Arkansas Blue Cross employee and corporate
support of Red Cross responses across the state, as
well as national and international responses, their
response
‘‘
has been humbling.”
Carey added, “During the response to last year’s
EF-4 tornado, Arkansas Blue Cross employees,
many of whom were personally impacted by the
tornado, performed a variety of roles with the Red
Cross from financial donors, to telethon participants,
to Red Cross representatives in the community.
Arkansas Blue Cross employees are always ready
to take an active role in support of the Red Cross.”
Our employees prove daily that together, we can accomplish much.
And help our neighbors live a little more fearlessly.
– Mark White, president and CEO of Arkansas Blue Cross
‘‘

In 2014 alone:
• Arkansas Blue Cross employees raised
a total of $57,000 for 25 charitable
organizations through $2 casual days;
$23,248 of that amount was raised for
the American Red Cross’ disaster relief.
• More than 300 employees donated
approximately 3,743 hours of their
time to directly impact more than
136,233 Arkansans.
• More than 60 employees joined with
others to pack thousands of boxes for
the Arkansas Hunger Alliance in 2014.
• More than 700 employees signed up for
Arkansas Blue Cross and Blue Shield
teams to walk, run or bike to raise
money and awareness for charitable
organizations around the state.
Arkansas Governor
Asa Hutchinson, a former
American Red Cross
Humanitarian of the
Year honoree, makes
opening remarks at the
American Red Cross
award luncheon held
at the Little Rock
Marriott on May 27.
“Arkansas Blue Cross is honored for our employees to
be named recipients of the Clara Barton Distinguished
Humanitarian of the Year Award by the American Red
Cross,” Mark White, president and chief executive
officer of Arkansas Blue Cross, said during the
presentation. “What a testament to the selfless acts
of kindness they perform, the hours of volunteer time
they give, the money they donate personally and the
spirit in which they serve others every day.
“It is my privilege to work beside them and watch them
in action outside the workplace serving their fellow
Arkansans. Our employees prove daily that together,
we can accomplish much. And help our neighbors live
a little more.
Kirstie Kelly, chairperson for the Arkansas Blue Cross
Employees’ Committee, said, “Our employees are the
first to raise their hands to volunteer and then use their
hands to pick up debris following a natural disaster
like the tornadoes in Vilonia and Mayflower last year.
They are the first to dig deep into their own pockets to
contribute to a cause that will mean a child or a senior
will have shelter or a healthy dinner tonight. They are
the first to roll up their sleeves and donate blood so
that an accident victim or a cancer patient will get a
second chance.”
Because Blue cares.
11

Raising funds
awareness
and
to
“eLEMONate” cystic fibrosis
Aven Emery dreams of a
day when she won’t have to
wear a loud vest that shakes
her lungs three times a day; when
she can go play with other children
without fear of getting sick; and when
a cure is found for cystic fibrosis,
the illness that has controlled her
life since she was a tiny infant.
All those dreams are still a long way
off, but with the help of Arkansas
Blue Cross and Blue Shield, one
dream became a reality — to set up
a lemonade stand to raise funds and
awareness for the Cystic Fibrosis
Foundation. Through Aven’s Lemonade
Stand, set up on the steps of the
Arkansas State Capitol, Arkansas
Blue Cross raised more than $8,000 to
help find a cure for children like Aven.
Aven, 9, is one of an estimated
30,000 people in the United States
(and 70,000 worldwide) living with
cystic fibrosis (CF). In people with
CF, a defective gene causes thick
mucus in the lungs, pancreas
and other organs. In the lungs,
the mucus clogs airways and traps
bacteria, leading to infections and
damage. In the pancreas, the mucus
prevents the release of digestive
enzymes that allow the body to break
down food and absorb vital nutrients.
“It would make me so happy if we
had a cure for cystic fibrosis so I
wouldn’t have to wear this vest
every day,” Aven said of her daily
treatment. She must wear the
shake vest 40 hours a month and
take more than 12,000 pills a year,
mostly pancreatic enzymes.
Only about 300 people in Arkansas
have CF, but surprisingly, the
disease has touched the lives of six
employees at Arkansas Blue Cross.
Curtis Barnett, senior vice president
of Arkansas Blue Cross, became a
CF champion after working closely
with Brittany Emery, and by getting
to know her daughter, Aven.
Governor Asa Hutchinson, center, declares
August 26, 2015, Cystic Fibrosis Awareness Day.
12 BLUE & YOU Autumn 2015

“Our employees
are like family to us,
so we were proud to
get the chance to work with
the CF Foundation to raise
public awareness and funds.
During the time that I’ve
become involved with CF, I’ve
been overwhelmed by the
kindness and caring of the
CF community, their passion
for finding a cure, and how
CF patients are living their
lives to the fullest despite
the challenges they face. CF
patients and their families
truly are an inspiration.
“Because CF does not qualify
for federal funding, bringing
attention to this disease is
critical to raising funds from
private sources so we can find
a cure. I’m proud to be part
of the fight to eliminate CF,
and I’m especially proud to be
chosen as the Breath of Life
Honoree for the Cystic Fibrosis
Foundation of Arkansas gala.”
Trish Jenkins, another
Arkansas Blue Cross
employee, has two children
with CF, Dylan and Presley.
“I really appreciate all that
Arkansas Blue Cross is doing.
Obviously a cure would be
very important for me as it
would let my children lead
longer and healthier lives.”
For Dylan, 17, a cure would
mean going to public school
and hanging out more with
his friends. He said other kids
didn’t understand his illness
and he was often bullied.
“People with CF, they don’t
look sick. It’s all on the
inside,” he said.
Presley Harwood
Dylan Jenkins
Jeisse, Alexander and Misty Castillo
Aven Emery
His older sister, Presley
Harwood, 20, is married
with a young daughter, and
while she tries hard to live a
normal life, she battles not
only with her CF, but with
diabetes caused by the illness.
“When they find a cure …
that would be the highlight
of my life because I would
be able to do activities with
my daughter that I can’t do
now. I could get a pedicure
for once, or a manicure, go to
a waterpark or a playground
and not worry about getting
terribly sick,” Presley said.
Arkansas Blue Cross employee
Jeisse Castillo, and his wife
Misty, recently found out their
son, Alexander, has CF.
“My wife called me when
she took him to his first
pediatric appointment. I was
at work and she told me
that our son had a deadly
disease called cystic fibrosis.
That was something I had
never heard of in my life.”
He said at first they were
frightened by what they
read about the disease
on the Internet, but the
website for the Cystic
Fibrosis Foundation, CFF.org,
provided them information
that gave them hope. They
also were immediately
embraced by co-workers
at Arkansas Blue Cross.
“I’ve never worked for a place
that is more than willing to
help us with something as big
as this, and now more than
ever I think that their help
is amazing,” Jeisse said.
“It really is amazing.”
Autumn 2015 BLUE & YOU
13

You asked ...
we responded
Member feedback leads to coverage
changes for breast pumps
Social media has allowed Arkansas Blue
Cross and Blue Shield to share information
on upcoming events, job opportunities and
even funny videos, but the best use for it has
been getting feedback from our members.
When several members asked
on our Facebook page and
Twitter account why electric
breast pumps were not
covered for mothers of new
infants, our social media team
went to work seeking answers
for them. That led to several
discussions and, ultimately, to
a change in the policy.
“When we say at Arkansas
Blue Cross that we love to
hear from you, we really
do,” said Karen Raley, vice
president of Corporate
Marketing. “While we review
our policies on a regular
basis, your feedback is helpful
in determining if we are
meeting your needs. We are
pleased with the changes
in the breast pump policy
and benefits that have been
implemented this year.”
All fully insured Arkansas Blue Cross and
Health Advantage* members, and most
BlueAdvantage Administrators of Arkansas
members, may now request coverage of
an electric breast pump up to $160 with
no deductible, coinsurance or copayment.
This is a one-time-only benefit per member;
not for each pregnancy. Coverage also is
‘‘
When we say at
Arkansas Blue
Cross that we
love to hear from
you, we really do.
‘‘
– Karen Raley,
vice president of
Corporate Marketing
available for members who need to rent a
hospital-grade breast pump due to medical
complications for either the mother or child.
Rental of a hospital-grade breast pump is
covered for six months and is available after
each pregnancy depending on need.
Contact the Customer
Service number listed
on the back of your
member ID card or
the number associated
with your health
plan on page 27
for more details.
*Baptist Health members should contact Customer
Service for specific information about their policy.
14 BLUE & YOU Autumn 2015

Why are we encouraging our members
to have primary care physicians?
At Arkansas Blue Cross and Blue Shield, your health is our greatest concern. That is why we started an initiative
this year to align our members with a primary care physician in their area, ensuring they will receive the right
care from the right place at the right time.
You may have received a letter from us asking for you to choose a primary care physician (PCP) and to let us
know who you have chosen. Here’s why:
HAVING A PCP HELPS:
Improve
health
A PCP makes sure you
get the care you need
when you need it.
HOW DOES THE PCP ALIGNMENT WORK?
Lower out-ofpocket
costs
By improving health,
a PCP can help you avoid
costly visits to the
emergency room, or
inpatient hospital stays.
Increase the
quality of care
Having a PCP can help avoid
duplicate tests and prescriptions.
And by having access to test
results run by specialists, PCPs
have a big-picture view of
your health and can often
determine the cause
of an illness.
If you do not have a PCP selected, we first look at your claims history. If it shows you have been to a local
PCP recently, we will assign you to that doctor. Letters were sent to members regarding this initiative. We
hope that if you received a letter, you chose a PCP and called Customer Service to share that information.
YOU CAN CHANGE YOUR PCP WHENEVER YOU LIKE
If you decide you want to change your PCP, you can do so at any time. All of our members can call
Customer Service to change their PCP, and many members can go into My Blueprint, our self-service
website, and make the change. It only takes a few minutes and your health plan ID card to register
for My Blueprint, and it gives you immediate access to all the resources in the self-service center.
Autumn 2015 BLUE & YOU
15

Bullying is one of the prominent
causes of distress and ongoing
turmoil in our students’ lives.
It is common, one out of four
children report being bullied at
least once each year. It can take
the form of physical violence,
social isolation, spreading
rumors or cyber bullying.
As a 6’4” awkward sophomore,
I was never “agile, mobile and
hostile” enough for my coaches,
who let me know they resented
having to special-order a pair
of size 16 football cleats for me.
After off-season football practice
at Jonesboro High, we filed into
the locker room. Larry, a short,
tough cocky junior had it in for
me. He jumped on my back and
wouldn’t get off. His face up by
my ear, running his mouth, I
staggered for a couple of steps
trying to get him off. Then I
pitched forward and flipped
him off my back. He came up
swinging. My next memory
has me on my knees looking
up trying to keep him from
punching me in the head. They
pulled him off and I dressed
out in silence feeling ashamed,
shaken and alone. No one in the
locker room said anything and
16 BLUE & YOU Autumn 2015
they kept their distance.
Forty years later at my high
school reunion, Danny, our
place kicker, came up to me.
“ Herbert I never forgot that
time when you stood up to
Larry. We all thought that
was something.”
“ He beat me up,” I said,
not wanting to get back
to the memory.
“ Yeah, but you really got
some good licks in, and
he never messed with
any of us after that.”
Danny had a totally different view
of the incident than I had. What
I remembered with shame and
humiliation as a beating, he had a
totally different memory. It never
registered to me that I connected
with any of my swings.
As in my story, the victim’s
perception is quite different from
the perceptions of others. There
may be distortion of what really
happened. The person feels like
they are alone in experiencing
bullying. This experience of feeling
alone after bullying is common.
There is a power imbalance that
defines bullying that gets reflected
in classroom relations. Those who
witness bullying play a key role
in reinforcing and maintaining
the social imbalance. In studies,
while most students report that
they disapprove of bullying, they
are unlikely to stand up for the
bullied, even if they feel sorry for
them. Like the other sophomores
in that locker room, they may be
reluctant to get involved because
they feel anxious about their own
safety or social status.
Our society has normalized
bullying as a part of growing
up. Pediatricians recognize that
bullying is not a developmental
milestone, nor should it be
addressed as such. They have
a long-standing history of
preventing violence among
youth. In 1999, the American
Academy of Pediatrics released
a policy statement outlining
the important role pediatricians
play in preventing violence
among children and youth.
Harmful biological changes
associated with bullying are
revealed in genetics research,
neuroimaging studies and studies
of the stress response system.

Bullying is defined as
unwanted, aggressive behavior
among school-aged children that involves
real or perceived power imbalance.
The behavior is repeated, or has the
potential to be repeated, over time.
Studies show bullying causes
depression in children and youth.
Bullying impacts the body’s stress
response system and these changes
can be risk factors for poorer health.
Being bullied “gets under the skin.”
The community can prevent bullying.
Schools can create a sense of
belonging. They can support norms
against bullying. Students can show
respect for one another. Parents can
set an example by being kind. They
also can talk with their children and
work with schools to address bullying.
Bullying is preventable.
Consistent discipline can
reduce bullying.
Having just one friend
makes it less likely that
a child will be bullied.
Signs a student may be bullied
Students who are being bullied often exhibit some warning
signs. These students may:
• Have torn, damaged or missing pieces of clothing, books,
or other belongings
• Have unexplained cuts, bruises and scratches from fighting
• Have few, if any, friends with whom he or she spends time
• Seem afraid of going to school, walking to and from school,
riding the school bus, or taking part in organized activities
(such as clubs or sports) with peers
• Take a long “illogical” route when walking to or from school
• Lose interest in doing school work, or suddenly begin to do
poorly in school
• Appear sad, moody, teary or depressed when he or she
comes home
• Complain frequently of headaches, stomachaches
or other physical problems
• Have frequent bad dreams or trouble sleeping
• Experience a loss of appetite
• Appear anxious and suffer from low self-esteem
Characteristics of a bully
It’s important to recognize the characteristics of students
who bully, which may help prevent bullying and allow
for early intervention. These students may:
• Have a positive attitude toward violence and the
use of violent means
• Have a strong need to dominate and subdue other
students and get their own way
• Be impulsive, aggressive or easily angered
• Lack empathy toward students who are bullied
• Have defiance and aggression toward adults,
including teachers and parents
• Be involved in other anti-social or rule-breaking activities
such as vandalism, delinquency and substance abuse
• Have greater physical strength than others in general and
the students they bully in particular (especially in boys)
• Be more likely to report owning a gun for risky
reasons, such as to gain respect or to frighten others
Autumn 2015 BLUE & YOU
17

PACKING
Keep your kids healthy and happy
by thinking outside the lunchbox
Feeding your children healthy and
nutritious food is an important part of
parenting. But healthy eating means
much more than making them eat
their broccoli at the dinner table—
it’s a well-rounded approach to diet.
Packing healthy school lunches is
one way to make a big difference in
your children’s health. A balanced
lunch provides the essential vitamins,
minerals and other nutrients your
kids needs for healthy growth and
development. Take a few extra
minutes each morning to pack a
healthy, balanced lunch.
PACK A
BALANCED
LUNCHBOX:
A balanced lunch includes
fruits and vegetables (apples,
bananas, carrots, grapes,
strawberries), whole grains
(bread, crackers, cold wholewheat
pasta salad), lean
proteins (sliced chicken
breast, peanut and
almond butter,
beans) and low-fat
dairy products
(carton of milk,
yogurt). Try
not to load the
lunchbox with
processed food.
18 BLUE & YOU Autumn 2015
Take your kids to the
supermarket and let
them pick fruit that
they want.
SIMPLIFY
LUNCH:
Kids love finger foods—
make lunch easy to eat.
Cut up larger fresh fruit,
like apples or watermelon,
into bite-sized chunks.
Pack baby carrots or celery
with a small container of
black bean dip, hummus
or another dipping sauce.
REINVENT
THE CLASSICS:
You don’t have to pack the
same PB&J sandwich every
day. Consider replacing the
jelly or jam with banana
slices, honey or apple butter.
Use all-natural peanut
butter and whole-grain
or whole-wheat bread.
Give sandwiches
a completely different
spin – serve ham, turkey
or chicken sandwiches
in a whole-wheat tortilla
wrap, with lettuce, tomato
and a drizzle of low-fat
ranch dressing.

What’s missing in their diet?
Research shows American children aren’t getting
enough of four essential nutrients: vitamin D,
calcium, fiber and potassium. Here are some
foods that are rich in each missing nutrient.
VITAMIN D: Milk products, most
breakfast cereals, orange juice,
salmon and tuna
CALCIUM: Milk products, hard
cheese and some orange juice
FIBER: Fruits and vegetables, chickpeas,
lentils, whole-grain products
POTASSIUM: Fruit and vegetables,
dairy, meat and seafood
NO-BAKE
ENERGY
BITES
No-bake energy bites are a
lunchtime dessert or afternoon
snack. They’re healthy, tasty and
will give your kids the energy to
finish the school day satisfied.
PREP: 10 MIN. TOTAL: 40 MIN.
PLAN
AHEAD:
You’re more likely to
succeed when you
plan lunch in advance.
Have the ingredients
on hand, and lunch will
come together more
quickly with a
game plan.
Use a
calendar or
paper to map out the
week’s meals, and
take that list to the
grocery store.
FEED YOUR CHILD
ENOUGH
CALORIES:
As adults, we’re
often looking to
cut calories. Your
child, on the other
hand, needs to eat
enough so he/she
is not hungry
in class that
afternoon. Talk to
your pediatrician
to learn how many
calories your
child should eat
for lunch.
INGREDIENTS:
• 1 cup (dry) oatmeal
• 2/3 cup toasted coconut flakes
• 1/2 cup all-natural peanut butter
• 1/2 cup ground flax seed
• 1/2 cup chocolate chips (optional)
• 1/3 cup honey or agave nectar
• 1 tsp vanilla extract
DIRECTIONS:
Stir ingredients together in
medium bowl until mixed.
Cover bowl and let chill in
refrigerator for half an hour.
Once chilled, roll mixture into balls.
Store in an airtight container and
keep refrigerated for up to 1 week.
MAKES 20-25 BALLS
Autumn 2015 BLUE & YOU
19

NEW
and
UPCOMING GENERICS
The following medications may be available soon (or now!) in generic form. Ask your
pharmacist if there is a generic available for your prescription. Generic medications are
the same as their brand-name counterparts in dosage form, safety, strength, route of
administration, quality, performance characteristics and intended use. You can learn
more about generics on the U.S. Food and Drug Administration’s website, fda.gov.
BRAND NAME GENERIC USE GENERIC RELEASE
Aloxi Palonosetron Nausea 2015
Avodart Dutasteride Benign prostatic hyperplasia 2015
Axert Almotriptan Migraines 2015
Doribax Doripenem Antibiotic 2015
Emend Caps Aprepitant Nausea 2015
Fenoglide Fenofibrate High cholesterol 2015
Ortho Tri-Cyclen Lo Norgestimate/ Birth control 2015
ethinyl estradiol
Patanol Olopatadine Opthalmic antihistamine 2015
Argatroban Argatroban Anticoagulant 2015
Mirapex ER Pramipexole Parkinson’s Disease/ 2015
(not 0.375, 0.75, 1.5mg) Dihydrochloride Restless leg syndrome
Renagel Sevelamer Elevated phosphate levels 2015
Tazorac Gel & Cream Tazarotene Psoriasis/acne 2015
Cenestin Estrogens, Osteoporosis 2016
conjugated synthetic
Glumetza ER Metformin Diabetes 2016
Coreg CR Carvedilol High blood pressure 2016
Enablex Darifenacin Overactive bladder 2016
Frova Frovatriptan Migraines 2016
Jalyn Dutasteride/ Benign prostatic hyperplasia 2016
Tamsulosin
Nuvigil Armodafinil Narcolepsy 2016
20 BLUE & YOU Autumn 2015

UAMS medical students
receive Arkansas Blue
Cross and Blue Shield
Primary Care Scholarships
Lauren Lavender
Rural Arkansas is known for
its scenic beauty and country
charm, but it’s also known for
its lack of doctors. Arkansas
Blue Cross and Blue Shield
recognized this troubling trend,
and in 2012 came up with a
plan to help place young, eager
primary care doctors back into
the Natural State’s smaller
communities.
Seniors Nora Gibbons of
Stuttgart, and Lauren Lavender
of Little Rock, are the 2015
recipients of the Arkansas Blue
Cross and Blue Shield Primary
Care Scholarship, awarded
each year to two students at
the University of Arkansas for
Medical Sciences (UAMS) who
plan to set up practice in the
more rural parts of the state.
These scholarships not only
help deserving students, they
help hundreds of people in the
communities where these future
physicians will practice.
The scholarships are possible
through a $1 million endowment
grant from Arkansas Blue Cross
in partnership with UAMS. Nora
and Lauren each will receive
$20,000 toward their educations.
They graduate in May 2016.
“My grandfather (and his father
before him) practiced as a
family physician in the small
community of Ozark for more
than 50 years,” said Nora. “I,
myself, have lived in Ozark for
seven years and Stuttgart for 10,
thus I have certainly experienced
living in an underserved area
and understand how important
it is for passionate primary care
physicians to be in those areas.”
“I have always wondered
what it would be like to live
in a small town, and soon I
will know,” said Lauren. She
explained that she and her
fiancé, both medical students,
are planning to “locate to
a rural town in Arkansas to
practice primary care and serve
the underserved. We are both
very passionate and excited
about our future!”
Nora Gibbons
Autumn 2015 BLUE & YOU
21

NEWS
Interprofessional Education team gets national recognition
What if medical doctors, nurses, dentists,
pharmacists and public health officials all learned
to work together to address patients’ needs?
That may sound like a futuristic goal, but at the
University of Arkansas for Medical Sciences, it is
happening, and the program is receiving support
from Arkansas Blue Cross and Blue Shield. A
team representing the UAMS Interprofessional
Education program presented a poster this spring
at the Interprofessional Education Collaborative
Conference in Virginia.
Alicia Berkemeyer (far left), Vice President of
Enterprise Primary Care Initiatives and Pharmacy
Programs for Arkansas Blue Cross and Blue
Shield joined Lee Wilbur, M.D., director of
Interprofessional Education at UAMS; Kevin W.
Ryan JD, MA, associate professor, co-director
DrPH Program associate dean for Professional
Programs at the Fay W. Boozman College of Public
Health; and Kat Neill, PharmD, assistant dean for
Experiential Education andassociate professor; to
present the poster, which was well received.
22 BLUE & YOU Autumn 2015
18
New look, same us!
If the envelope looks a little different
than what you are used to seeing
when you get your Personal Health
Statement or other member mail,
please note that Arkansas Blue Cross
and Blue Shield and its family of
companies are using a new envelope
and printing process.
The new process is designed to help reduce
cost and improve efficiency without sacrificing
member quality. You still will recognize our
company logos; the envelope sizes may be a slight bit different
GIVE THE GIFT
OF FITNESS
While you are shopping online for Christmas gifts, get something extra
special for yourself, your friends or co-workers. Give the gift of fitness
and register your group or team for the Blue & You Fitness Challenge.
The Challenge starts March 1 and runs through May 30. The Blue & You
Fitness Challenge is a three-month contest designed to encourage good
exercise habits. Groups and individuals compete to earn points by
completing a variety of cardiovascular exercises.
and the ink may look a little different, but it is important mail from us — your health plan provider.
If you register your group by Cyber Monday
And don’t forget, you can sign up to receive an email when your Personal Health Statement is available
(November 30), your name will be entered into a drawing
and securely review it online. Check it out on My Blueprint, our member to win self-service a Jawbone wristband center awarded – and go on green! March 1.
Visit blueandyoufitnesschallenge-ark.com to find out more
information and register.

Arkansas Blue Cross and Blue Shield awards grant to establish
nursing professorship at University of Arkansas at Pine Bluff
As part of its continued commitment to improve
the health of all Arkansans, Arkansas Blue Cross
and Blue Shield in August announced a grant
of $250,000 to the University of Arkansas at
Pine Bluff’s (UAPB) Department of Nursing to
fund the Arkansas Blue Cross and Blue Shield
Endowed Nursing Professorship in Rural Health.
The endowment will help the university
attract and retain top faculty. Better-educated
nurses will be able to identify and solve the
unique health issues that face Arkansans in the
majority of the state.
The professorship allows UAPB to provide
increased focus on the particular issues related
to serving rural communities, and to expand
the number of opportunities for students to
enter into the program.
“Arkansas Blue Cross is committed to helping
Arkansans have access to quality healthcare where
and when they need it — at the hospital bedside,
in the clinic setting or in the community,” said Mark
White, president and chief executive officer of Arkansas
Blue Cross.“ And with a large percentage of Arkansans
living in rural areas with special health and economic
needs, we know that having skilled, knowledgeable
nurses is critical to the care of our residents. The
Arkansas Blue Cross Endowed Professorship in Rural
Health will be used to help secure top faculty who
are forward thinkers — the kind of faculty that will
educate, engage and inspire nursing students to work
toward ways to meet the needs of Arkansans through
innovative care and access options.”
“We are grateful to Arkansas Blue Cross for
recognizing our university’s role in producing
qualified nurses for the state,” said Dr. Laurence
B. Alexander, chancellor of the University of
Arkansas at Pine Bluff. “Through this gift, we are
able to attract highly sought after faculty to add
to our already strong roster of instructors.”
GIVE THE GIFT OF FITNESS
While you are shopping online for holiday gifts, why not give the gift of fitness
for free! Register yourself, along with a group of your friends or co-workers in
the Blue & You Fitness Challenge.
If you register your group by Cyber Monday (November 30), your name will
be entered into a drawing to win a Jawbone wristband, awarded on March 1.
A program of Arkansas Blue Cross and Blue Shield,
Arkansas Department of Human Services
and the Arkansas Department of Health
Visit blueandyoufitnesschallenge-ark.com to find out more information and register.
The Challenge starts March 1 and runs through May 30.
The Blue & You Fitness Challenge is a three-month contest designed
to encourage good exercise habits. Groups and individuals compete
to earn points by completing a variety of cardiovascular exercises.
Autumn 2015 BLUE & YOU 23

3in a
ROW!
Arkansas Blue Cross named one
of the Best Places to Work in Arkansas
For the third time, Arkansas Blue Cross
has been named by Arkansas Business
and Best Companies Group as one of
the Best Places to Work in Arkansas.
The annual award is designed to
identify, recognize and honor the best
employers in Arkansas, benefiting
the state’s economy, workforce and
businesses. Arkansas Blue Cross is
one of 12 companies in this year’s Best
Places to Work in Arkansas.
“Our employees continually go above
and beyond for our members, so we
take great pride in providing them
with a positive work environment,”
said Mark White, president and chief
executive officer for Arkansas
Blue Cross. “Being ranked so high in
the Best Places to Work survey
for a third time tells us that our programs to encourage better health,
to further their education and to cultivate our family atmosphere are
appreciated by our employees.”
Arkansas Blue Cross offers employees tuition reimbursement, a cafeteria
focused on healthy foods and an employee health clinic. The average tenure
at Arkansas Blue Cross is 10 years, and hundreds of employees have been
with the company 15 years or longer.
If you’d like to know more about career opportunities at Arkansas Blue
Cross, visit our website, arkansasbluecross.com, or like our Facebook page.
We’d love to have you on the Blue Team!
24 BLUE & YOU Autumn 2015

New ArkansasBlue
opens in
Red Wolves territory!
Residents of Jonesboro and northeast Arkansas are able to speak face to face with
health insurance experts who can advise them about affordable health plans and
more at the new ArkansasBlue office located at 2110 Fair Park Boulevard, Suite I,
in Jonesboro (across from Lowe’s). The store opened for business September 14.
The new ArkansasBlue provides Arkansas Blue Cross and Blue Shield members
and insurance shoppers with information about Arkansas Blue Cross insurance
plans, advice on which plan best covers them and fits their budget, as well as
helping determine if they may qualify for free or low-cost healthcare coverage
through healthcare.gov. ArkansasBlue also will provide visitors with information
on dental and other insurance plans.
“Arkansas Blue Cross has operated a full-service office in Jonesboro since 1995,
serving members in a 17-county area with customer service, individual and
group product sales and service, medical management, provider services and
care management for members,” said Bill Brown, regional executive. “Our new
location will allow us to expand our services and provide more one-on-one
counseling about health and dental insurance for individuals and families.”
Walk-in members and shoppers also can pick up informational brochures or
digitally walk through an online shopping experience with an Arkansas Blue
Cross representative. Telephone numbers for the new ArkansasBlue store will be
the same as the numbers for the previous regional office location (see page 27).
Arkansas Blue Cross opened Arkansas’ first health insurance store in 2011 in Little
Rock to help Arkansans better understand health insurance products and how they
work. Other ArkansasBlue locations include Pine Bluff, Hot Springs and Lowell.
Autumn 2015 BLUE & YOU
25

“OUT OF THE BLUE”
CONTINUED FROM PAGE 3
Support benefit design strategies that
encourage smarter healthcare usage.
We must continue to look for opportunities to
refine the benefits design for the Private Option in
ways that have been proven in the private sector,
while removing those plan features that do not
directly encourage smarter usage of care. Essential
to improving health in our state is ensuring broad
access to primary care, and finding ways to
incentivize the use of that care rather than more costly
emergency care. At Arkansas Blue Cross, we work in
partnership with employers across the state to create
a benefit model that rewards personal responsibility
and better decision-making, and need that same
flexibility to better serve those in the Private Option.
Acknowledge that investments in the healthcare
system are investments in a stronger economy.
A physically healthier Arkansas and a financially
healthier Arkansas are inextricably linked. Currently,
Arkansas is ranked the 49th-healthiest state.
Businesses are very aware of the cost of healthcare
and the far-reaching effects of costly health
conditions for employees and their family members.
They understand that a healthier workforce, one
with better access to preventive care and timely
treatment, is a more present, productive workforce.
As we improve our state’s healthcare system and
the health of Arkansans, our state will be seen as
an attractive home for businesses that currently see
rapidly escalating health care. Our state will be seen
as leading innovation, not just copying less effective
solutions from other states. Our new approach
to healthcare represents a long-term competitive
advantage for our state. An investment in educating
Arkansans in how to find and use care is an
investment in a healthier state, and an investment
in a healthier state is an investment in a larger,
healthier workforce. That’s just common sense.
This is the time for Arkansas to build a more
sustainable approach to healthcare. By taking
advantage of this unique opportunity, we can have a
system that works better for all Arkansans. It’s time
for a stronger Arkansas. We can build it together.
ANNUAL NOTICE
2016 Summary of Benefits and Coverage –
available November 15 for individual/family policyholders
As required by the Patient
Protection and Affordable Care
Act (PPACA), the Summary of
Benefits and Coverage (SBC)
(OMB Control Numbers 1545-
2229, 1210-0147 and 0938-1146)
provides information regarding
coverage specifications and
limitations that apply to the health
insurance plan you have selected.
Before the end of each year,
Arkansas Blue Cross and Blue
Shield provides members
who are under age 65 and
have individual/family health
insurance policies* with an SBC.
This official communication
includes information about
the coverage provided by
your health insurance plan
in a summary format for the
26 BLUE & YOU Autumn 2015
upcoming year. Beginning
November 15, 2015, you may
access this information:
• Online in the “Benefits”
section of the Arkansas Blue
Cross secure member selfservice
center, My Blueprint,
at arkansasbluecross.com
• By calling Arkansas Blue
Cross Customer Service at
1-800-800-4298 to receive a
printed version
After that date, you also may
log on to arkansasbluecross.
com/sbc and enter your
member number (found on
your member ID card) into the
SBC locator tool to review the
document online and print it.
If you make changes to your
Arkansas Blue Cross health plan
benefits that differ from your
current coverage, a new SBC
will be created for you within
seven work days of our receipt
of your change request. It will
be available to you in the same
manner described above.
* These are members who do not have
health insurance through an employer,
a Medicare health plan, or short-term,
limited-duration Blue policies, to
include Essential Blue Freedom.
Arkansas Blue Cross, Health
Advantage and BlueAdvantage
Administrators of Arkansas
members who receive health
coverage through an employer
group will get their SBC from their
employer group plan administrator
at the appropriate time.

Women’s Health and
Cancer Rights Act
The Women’s Health and Cancer
Rights Act of 1998 introduced
changes in insurance coverage
for mastectomy.
In accordance with the law, all group and individual
health plans that provide medical and surgical
benefits for mastectomy will cover reconstructive
breast surgery, including:
• Reconstructive surgery on the breast on which
the mastectomy was performed.
• Reconstructive surgery on the unaffected breast
needed to “produce a symmetrical appearance.”
• Prostheses and treatment of complications
of any stage of a mastectomy, including
lymphedema (post-surgical fluid buildup).
These provisions apply to all policies issued by
Arkansas Blue Cross and Blue Shield, Health
Advantage and BlueAdvantage Administrators
of Arkansas and are subject to the applicable
copayments, coinsurance, benefit limitations,
exclusions and benefit maximums.
If you have questions about your insurance
coverage, contact your group benefits administrator
or a customer service representative at your local
Arkansas Blue Cross office.
CUSTOMER SERVICE NUMBERS
May we help?
For customer service, please call:
TOLL FREE Number
Medi-Pak ® members 1-800-338-2312
Medi-Pak ® Advantage members 1-877-233-7022
Medi-Pak ® Rx members 1-866-390-3369
Arkansas Blue Cross members 1-800-238-8379
• Pharmacy questions 1-800-863-5561
• Specialty Rx pharmacy questions 1-866-295-2779
Arkansas Blue Cross Metallic members
(Gold, Silver, Bronze, Catastrophic) 1-800-800-4298
• Pharmacy questions 1-800-969-3983
Health Advantage members 1-800-843-1329
• Pharmacy questions 1-800-863-5567
BlueAdvantage members 1-888-872-2531
• Pharmacy questions 1-888-293-3748
Federal Employee members 1-800-482-6655
Looking for health or dental insurance? We can help!
For individuals, families 1-800-392-2583
For employer groups* 1-800-421-1112
*Arkansas Blue Cross, Health Advantage and BlueAdvantage Administrators of Arkansas
PAY YOUR *
B I L L
To pay by phone*, please call 1-800-354-9904
Prefer to speak with someone close to home?
Call or visit one of our offices near you:
• ArkansasBlue — Little Rock
2612 S. Shackleford Rd., Suite J 1-501-378-2222
• Fayetteville
516 East Millsap Rd., Suite 103 1-800-817-7726
• Fort Smith
3501 Old Greenwood Rd., Suite 5 1-866-254-9117
• ArkansasBlue — Hot Springs
1635 Higdon Ferry Rd. – Suite J 1-800-588-5733
• ArkansasBlue — Jonesboro
2110 Fair Park Boulevard – Suite I 1-800-299-4124
• Little Rock
601 S. Gaines Street 1-800-421-1112
• ArkansasBlue — Lowell
507 W. Monroe Ave. – Suite B 1-888-872-2539
• ArkansasBlue — Pine Bluff
509 Mallard Loop Drive 1-800-236-0369
• Texarkana
1710 Arkansas Boulevard 1-800-470-9621
Visit our websites for more information:
arkansasbluecross.com • healthadvantage-hmo.com
blueadvantagearkansas.com
blueandyoufoundationarkansas.org
Medicare Advantage and Prescription Drug plan product members must call
Customer Service to discuss available payment options. Health Advantage
conversion plans are not eligible for online, mobile or pay-by-phone payment option.
Autumn 2015 BLUE & YOU
27

Catch FREE TICKETS
to
“ The Gingerbread Man!”
4 p.m. Sunday,
December 6
at the
Arkansas Arts Center’s
Children’s Theatre in Little Rock.
You can get free tickets
starting November 1 at all
ArkansasBlue stores.
Hurry! Quantities are limited.
MPI 4050 10/15