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AI-generated content may be incorrect." width="135" height="41"></span></b><b><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif"></span></b></p>
<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif"> </span></b></p>
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<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><b><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">January 6, 2026</span></b></p>
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<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">To: </span></p>
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<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">UCR Emeriti and Retirees</span></p>
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<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">Central HR </span><span style="font-size:11pt;font-family:Arial,sans-serif">Retirement
Center on Behalf of Central HR Benefits Office</span><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif"></span></p>
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<p class="MsoNormal" style="margin:0in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif">Health Notices from UCOP</span></p>
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<p style="margin:0in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">UC Office of the President (UCOP) has provided notices on the
following Health networks outlined below. Please review the notices below as
it may pertain to where emeriti and retirees seek medical care. <br>
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<p style="margin:0in 0in 6pt;font-size:12pt;font-family:"Times New Roman",serif"><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">City of Hope</span></b></p>
<p style="margin:0in 0in 0in 0.5in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">The
network</span><span style="font-family:Arial,sans-serif;background-image:initial;background-position:initial;background-size:initial;background-repeat:initial;background-origin:initial;background-clip:initial"> </span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">termination
has been extended from January 1, 2026, to January 15, 2026. </span></p>
<p style="margin:0in 0in 0in 0.5in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Members
may visit Network Negotiations with City of Hope in California |
UnitedHealthcare for the latest updates on negotiations at: <a href="https://www.uhc.com/cityofhope" style="color:rgb(70,120,134)">https://www.uhc.com/cityofhope</a>.</span></p>
<p style="margin-right:0in;margin-left:0in;font-size:12pt;font-family:"Times New Roman",serif"><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Loma Linda University Health</span></b></p>
<p style="margin-left:0.5in;margin-right:0in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">UnitedHealthcare and Loma Linda University
Health are continuing negotiations for a new contract. The current agreement
is scheduled to expire on January 31, 2026. Member notifications were sent
during the week of December 22, 2025, to members who have had claims within
the past 36 months.<b></b></span></p>
<p style="margin-left:0.5in;margin-right:0in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Some members may be able to continue seeing
their providers as out-of-network, provided the provider is
Medicare-approved, agrees to treat the member, and bills UnitedHealthcare.
Members are encouraged to confirm directly with their providers.<b></b></span></p>
<p style="margin-left:0.5in;margin-right:0in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">The notification letter also includes
alternative provider options for consideration. Members may visit <a href="https://www.uhc.com/lomalinda" target="_blank" style="color:rgb(70,120,134)">https://www.uhc.com/lomalinda</a> for
updates.<b></b></span></p>
<p style="margin:0in 0in 6pt;font-size:12pt;font-family:"Times New Roman",serif"><b><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">UnitedHealthcare</span></b></p>
<p style="margin:0in 0in 0in 0.5in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">A call
campaign will launch in early January 2026 to inform members of formulary
changes to the prescription drug benefit and review the new deductible for
Tier 3 non-preferred and Tier 4 specialty medications. Most current members
may receive a call unless they are listed on the Do Not Call registry.</span></p>
<p style="margin:0in 0in 0in 0.5in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Symbol;color:black">·<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">The
UnitedHealthcare Advocate will:</span></p>
<p class="gmail-MsoListParagraphCxSpFirst" style="margin:0in 0in 0in 1in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:"Courier New";color:black">o<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Explain the 2026 prescription drug
benefit changes</span></p>
<p class="gmail-MsoListParagraphCxSpLast" style="margin:0in 0in 0in 1in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:"Courier New";color:black">o<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman"">
</span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Provide detailed information on
benefit updates, if applicable, including:</span></p>
<p style="margin:0in 0in 0in 1.5in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Wingdings;color:black">§<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Changes
to drug payment</span></p>
<p style="margin:0in 0in 0in 1.5in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Wingdings;color:black">§<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Deductibles,
copays, and coinsurance</span></p>
<p style="margin:0in 0in 0in 1.5in;font-size:12pt;font-family:"Times New Roman",serif"><span style="font-size:11pt;font-family:Wingdings;color:black">§<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Enhanced
benefits</span></p>
<p class="gmail-MsoListParagraph" style="margin:0in 0in 0in 1in;line-height:normal;font-size:12pt;font-family:Aptos,sans-serif"><span style="font-size:11pt;font-family:"Courier New";color:black">o<span style="font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;font-size-adjust:none;font-kerning:auto;font-feature-settings:normal;font-stretch:normal;font-size:7pt;line-height:normal;font-family:"Times New Roman""> </span></span><span style="font-size:11pt;font-family:Arial,sans-serif;color:black">Identify
potential barriers to care and offer solutions as needed</span></p>
<p style="margin:0in;font-size:12pt;font-family:"Times New Roman",serif"><span lang="EN" style="font-size:11pt;font-family:Arial,sans-serif"> </span></p>
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