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<p class="MsoNormal" style="margin:0in 0in 8pt;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">October 20,
2025</span></p>
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<p class="MsoNormal" style="margin:3pt 0in;line-height:normal;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">To:</span></p>
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Emeriti & Retirees</span></p>
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Retirement Center on behalf of UCR Central HR Benefits Office </span></p>
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<p class="MsoNormal" style="margin:3pt 0in 6pt 5.05pt;line-height:normal;font-size:11pt;font-family:Calibri,sans-serif"><b><span style="font-family:Arial,sans-serif">United Healthcare – Changes to Individual Medicare
Advantage service areas will not impact UC Medicare Choice members on January
1, 2026</span></b><span style="font-family:Arial,sans-serif"></span></p>
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Effective January 1, 2026, United Healthcare (UHC) will implement changes to
its Individual Medicare Advantage service areas and discontinue certain
plans. These changes will not affect members enrolled in the UC employer
group plan, UC Medicare Choice. UC plan members will continue to have
uninterrupted in-network access to Sutter Health locations and physicians.</span></p>
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<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">For
questions, members may contact the UHC Customer Service at 1-866-887-9533,
available daily from 8:00 a.m. to 8:00 p.m. Pacific Time.</span></p>
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<p class="MsoNormal" style="margin:0in;line-height:105%;font-size:11pt;font-family:Calibri,sans-serif"><span style="font-family:Arial,sans-serif">To
provide clarity ahead of UC Open Enrollment, UHC will add a banner to <a href="https://retiree.uhc.com/uc" style="color:rgb(5,99,193)">https://retiree.uhc.com/uc</a> highlighting
the upcoming changes to its individual plans and reaffirming that UC Medicare
Choice plan will not be impacted.<b></b></span></p>
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