The Travelers Companies, Inc.

Included Health is a health benefit made available to you through your employer. We are a guide and resource for your medical and health care-related needs. Our services include finding you the top doctors and specialists in your insurance network, booking doctor’s appointments on your behalf, getting you remote second opinions from world-leading experts, answering any questions you may have about your medical conditions, and more.

Use Included Health when:

• You need a primary care physician or specialist for an in-person visit. We’ll help you find trusted and experienced doctors within your insurance network and can even set the appointment for you.
• You’d like quick answers to medical questions. We can provide you with over-the-phone guidance and support from a Included Health doctor.
• You need to find your insurance plan information and ID card.
• We’ll help you understand all of the details of your health plan.
• You have questions about billing. We’ll help you understand medical costs and whether the price you’re being quoted is fair.
• You’re not sure which of your benefits you should use. We’ll help you explore the different health benefits available to you and when to use them.

Included Health is available to all employees and their dependents enrolled in a Travelers medical plan.

Included Health is fully covered by your employer and available at no cost to you and your enrolled dependents. Plan guidelines will apply for any treatments as a result of the Expert Opinion or Office Visit – Included Health will find the doctor, collect all relevant medical records, and (if necessary) schedule the appointment at no cost.

All Included Health services can be easily accessed by calling our Care Team, or accessing your account at includedhealth.com

Included Health physicians span all conditions and specialty areas, including: back and knee pain, cancer, heart disease, arthritis, behavioral health disorders, migraines, digestive system disorders, dermatology, pediatrics, ACL tears, and much more.

Included Health selects physicians based on their education and training, patient outcomes, and location. As a result, we’re able to match you with highly experienced doctors and specialists who are best suited to your personal preferences and medical needs.

Typically, you’ll only pay your regular copay and office visit fees for seeing an in-network doctor. For further details, call the Included Health Care Team.

Most doctors are glad to get the opinions of their peers when assessing complicated medical issues. Their primary goal is to get you feeling better. A good way to frame a conversation with your treating physician regarding a Included Health expert opinion is:

• “I requested a consultation about [condition] and here’s what I learned…”
• “Here’s what I was surprised to find out…”
• “Dr. Smith recommended these options for my care because of these reasons…”

Any personal health information you share with Included Health is held confidentially and will not be shared by us, unless authorized by you, or where legally permissible and/or required under applicable law.

Included Health is not affiliated with your insurance, and operates separately to guide your ongoing care. The goal of Included Health is to provide you with useful information about your health so that you can make informed decisions about your medical care, and have healthier outcomes overall.

The last four digits of your SSN are needed to confirm both your identity when creating an account and your eligibility for the Included Health benefit.