Dear Employers and Brokers:

As part of our commitment to provide affordable access to high quality health care, we
continually review the benefits and services offered to our members. As a result, from time to
time, we update the coverage we provide and change the way that coverage is administered.

We then notify our subscribers and their employers, our brokers, and our contracted providers of these changes.

We have attached a copy of an amendment to the HNE Explanation of Coverage. We will notify
HNE subscribers of this amendment with the next edition of our member newsletter, Living Well.

If you have any questions, please call us at 413.233.3535.

Sincerely,
Jeff Krawczyk
Director of Sales