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1. What disease management programs are part of MyLife MyPlan Rewards?

MyLife MyPlan Rewards includes Respiratory Disease Management (Asthma and
Chronic Obstructive Pulmonary Disease), Cardiovascular Disease Management
(Coronary Artery Disease and Congestive Heart Failure), Diabetes, and the
Partners in Pregnancy Program.

2. Am I eligible to participate in this program?

The MyLife MyPlan Rewards program is available to all Norfolk employees who are
the primary health plan subscriber on a Norfolk Optima Health plan.

3. How do these programs work?

Eligible employees who participate and complete the program requirements will be
eligible to receive incentive dollars on a healthcare debit card. Spouses and
dependents are also encouraged to participate in these programs, however, only
eligible employees can earn incentive payments.

If an employee has any of the conditions included in the program, they should
contact the Optima Health Care Coordination Line at (757) 687-6340, or toll free at
(877) 817-3037. It is the responsibility of the employee to reach out to Optima
Health and enroll in the program in order to meet the requirements for the incentive.

4. Will my employer be able to access my records or personal information from this

Your employer will not have any access to your personal or participation information
from the MyLife MyPlan Rewards Program. This is offered as a service of Optima
Health, and all information will be kept confidential.

5. I am currently in the Diabetes program, what do I need to do?

If you are currently enrolled in the Optima Health Diabetes Management program,
please call the Optima Health Care Coordination Line listed on the back of your
member ID card or toll free at (877) 817-3037. You may also send an email to
mylifemyplanrewards@sentara.com in order to confirm that you wish to enroll in the
Rewards Diabetes program.

6. Are my spouse and dependents eligible for this program?

Spouses and dependents are eligible to participate in the disease management and
Partners in Pregnancy programs to improve their management of these conditions.
However, only eligible employees can earn the incentive payments.

7. What do I need to do to earn the incentives?

The first thing to do is to make contact with the Optima Health program staff through
the Care Coordination telephone numbers, listed on the back of your member ID
card. Tell them that you have one of the eligible conditions, and would like to
participate in the program. They will assess your condition to determine how often
you need to have contact with your program Health Coach. You will need to have
contact with your Coach either by telephone or by email according to the schedule
explained to you by your Health Coach.

In addition to the contacts with your Health Coach, there are other requirements that
must be met to achieve the incentive. Your Health Coach will give you all of the
program details, however some of the requirements follow:

Respiratory Disease Management:

1. Physician follow up for asthma or Chronic Obstructive Pulmonary Disease
(COPD) at least once a year.

2. Development of an asthma/COPD management plan.

3. Development of an appropriate nutrition and activity plan.

8. Do I still have to see my doctor?

Contacts with your Health Coach do not replace your doctor visits. We want to
provide encouragement and incentives for you to follow your own doctor’s treatment
plan, which may include; scheduled follow-up visits, medication schedule, lab and
other testing, nutrition, and activity advice. We are here to support you, not replace
your physician.

9. If I meet some of the requirements, but not all, are the incentive payments prorated?

No, all requirements must be met prior to the account funding date in order to
receive incentive payments.

10. Are there any other requirements?

You must be actively employed by one of the entities of Norfolk, and covered by
Optima Health Insurance as a primary subscriber at the time of payment. You must
provide or verify your Social Security Number as a way for Optima Health to confirm
your incentive payment into a healthcare debit card.

11. What if I have multiple conditions, such as diabetes and asthma. Will I earn double

If you have multiple conditions, you may enroll in the disease management program
for each condition. Your Health Coach will help you with any and all disease-states
that you have, however, you can only earn incentives for one disease management
program.

If you are, or become, pregnant during this program, you may be eligible to receive
incentives for both the disease management program you are enrolled in and the
Partners in Pregnancy Program.

12. Who do I contact if I have more questions?

If you have any questions, you may contact Optima Health at the Care Coordination
Line at (757) 687-6340, or toll free at (877) 817-3037, or your Benefits Team.

13. What if I have a Flexible Spending Account (FSA)? How does that work with this?

If you have a flexible spending account, this program does not replace your FSA but
rather the incentives that you earn will supplement your FSA. Incentive dollars
earned may be used towards Copayments, Coinsurance, and Deductibles, if
applicable, for covered prescriptions, services, and condition related medical
supplies. Your FSA allows you to use pre-tax dollars towards payment on a much
larger variety of supplies and services.

For specific questions, contact your FSA coordinator or your Benefits Team.

14. Who will issue and administer the healthcare debit card?

Optima Health has partnered with Choice Care Card (CCC), an industry leader in
wellness program incentive administration. CCC will issue your healthcare debit
card, add earned incentives to your card, and notify you of when funds are
available. Additional information will be provided once incentive payouts begin.