Q. Who is Coalition America?
A. Coalition America, Inc. (CAI/NPPN) is a market leader providing comprehensive
solutions for managing healthcare costs. CAI/NPPN uses a suite of products and
services including direct provider contracts, PPO networks and provider negotiations
to achieve industry leading savings for its national client base of health insurance
carriers, self insured employers, Taft Hartley plans and third party administrators.

Q. Are you an insurance company?
A. No. Coalition America is not an insurance company, nor are we the payor of
healthcare claims. Our clients retain CAI/NPPN to perform administrative services
in processing medical bills. We coordinate repricing of medical claims using the
appropriate PPO fee schedules, as well as negotiations on out-of-network bills.
We do work with many insurance companies on behalf of employers.

Q. What is a PPO network?
A. A PPO network is a group of physicians and hospitals that have agreed to
discount arrangements in exchange for increased patient volume. As competition
grows in the healthcare market, physicians and hospitals join PPOs that will
provide them with enough patients to sustain and enhance their practices. Being
a part of a PPO program does not limit your freedom of choice in selecting a
provider for treatment.

Q. How does CAI/NPPN's service apply to me?
A. CAI/NPPN is able to lower the cost of most provider claims, resulting in savings
to the employee. Additionally, CAI/NPPN can help reduce your out-of-pocket
expenses if you seek care from a provider not in your primary PPO.

Q. What if I go to a provider that does not belong to an affiliated PPO?
A. In cases where an employee visits a non-preferred physician or hospital,
CAI/NPPN will attempt to negotiate and/or establish a contractual relationship
with the provider in order to achieve savings.

Q. How will I see savings in my healthcare expenses?
A. When you receive your EOB (Explanation of Benefits) there will be a line item
indicating"ineligible amount", meaning the amount that CAI/NPPN has saved
on your out-of-pocket expenses.

If you are a patient, plan participant or policy holder, please contact your plan
administrator and/or employer with questions about your insurance plan, how to
add providers, or with questions about claims.

Q. Will the provider bill me for any of the discounted fees?
A. No. The PPO contracts and direct negotiations by CAI/NPPN preclude the
provider from "balance billing" you for any of the discounts taken on your behalf.
This does not include any copays, deductibles, co-insurance or non-covered
medical services for which you may be responsible. If this balance billing should
occur contact your plan administrator immediately.