Open Access PLAN DESIGN

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1 PLAN FEATURES Deductible (per plan year) $2,500 Individual $5,000 Individual $5,000 Family $10,000 Family All covered expenses accumulate separately toward preferred or non-preferred Deductible. Unlesss orwise indicated, deductible must be met prior to benefitss being payable. Member cost sharing for certain services, as indicated in plan, are excluded from charges to meet Deductible. Pharmacy expensess apply towards Deductible. Once Family Deductible is met, all family members will be considered as having met ir Deductible for remainder of plan year. Theree is no Individual Deductible to satisfy within Family Deductible. Member Coinsurance 20% 40% Applies to all expenses unless orwise stated. Payment Limit (per plan year) $6,350 Individual $12,500 Individual $12,700 Family $25,000 Family All covered expenses accumulate separately toward preferred or non-preferred Payment Limit. Certain member cost sharing elements may not apply toward Payment Limit. Pharmacy expensess apply towards Payment Limit. Only those out-of-pocket expenses resulting from application of coinsurance percentage, copays, and deductibles (except any penalty amounts) may be used to satisfy Payment Limit. There is no Individual Payment Limit to satisfy within Family Payment Limit. Once Family Payment Limit is met, all family members will be considered as having met ir Payment Limit. Lifetime Maximum Unlimited except where orwise indicated. Payment for Non-Preferred Not Applicable Professional: 105% of Medicare Facility: 140% of Medicare Primary Care Physician Selection Certification Requirements - Optional Not t Applicable Certification for certain s of Non-Preferred care must be obtained too avoid a reduction in benefits paid for that care. Certification for Hospital Admissions, Treatment Facility Admissions, Convalescent Facility Admissions, Home Care, Hospice Care and Private Duty Nursing is required - excluded amount applied separately to each of expense is $4000 per occurrence. Referral Requirement PREVENTIVE CARE Routine Adult Physical Exams/ Immunizations None None 1 exam every 12 months for members age 22 to age 65; 1 exam every 12 months for adults age 65 and older. Routine Well Child Exams/Immunizations 40% %; deductible waived 7 exams in first 12 months of life, 3 exams in second 12 months of life, 3 exams in third 12 months of life, 1 exam per year reafter to age 22. Routine Gynecological Care Exams 40% %; deductible waived Includes routine tests and related lab fees. Routine Mammograms Women's Includes: Screening for gestational diabetes, HPV (Human- Papillomavirus) DNA testing, counseling for sexually transmitted infections, counseling and screening for human immunodeficiency virus, screening and counseling for interpersonal and domestic violence, breastfeeding support, supplies and counseling. Contraceptive methods, sterilization procedures, patient education and counseling. Limitations may apply. Routine Digital Rectal Exam Recommended: For covered males age 40 and over. Page 1

2 Prostate-specific Antigen Test Recommended: For covered males age 40 and over. Colorectal Cancer Screening Covered under Routine Adult Exams Recommended: For all members age 50 and over. Routine Eye Exams 1 routine exam per 24 months. Routine Hearing Exams Routine Hearing Screening PHYSICIAN SERVICES Office Visits to PCP Includes services of an internist, general physician, family practitioner orr pediatrician. Specialist Office Visits Pre-Natal Maternity Covered according to standard claim practice. Walk-in Clinics Walk-in Clinics are network, free-standing health care facilities. They are an alternative to a physician's office visit for non-emergency illnesses and injuries and administration of certain immunizations. It is not treatment of unscheduled, an alternative for emergency room services or ongoing care provided by a physician. Neir an emergency room, nor outpatient department of a hospital, shall be considered a Walk-in Clinic. Allergy Testing is based on Member cost sharing on place of service where it is rendered; Allergy Injections on on place of service where it is rendered; DIAGNOSTIC PROCEDURES Diagnostic X-ray If performed as a part of a physician office visit and billed by physician, expensess are covered subject to applicable physician's office visit member cost sharing. Diagnostic Laboratory If performed as a part of a physician office visit and billed by physician, expensess are covered subject to applicable physician's office visit member cost sharing. Diagnostic Outpatient Complex Imaging EMERGENCY MEDICAL CARE Urgent Care Provider Non-Urgent Use of Urgent Care Provider Emergency Room Non-Emergency Care in an Emergency Room Emergency Use of Ambulance Non-Emergency Use of Ambulance HOSPITAL CARE Inpatient Coveragee Same as in-network care Same as in-network care Page 2

3 Inpatient Maternity Coverage (includes delivery and postpartum care) Outpatient Hospital Expenses Outpatient Surgery Outpatient Surgery - Freestanding Facility MENTAL HEALTH SERVICES Inpatient Outpatient ALCOHOL/DRUG ABUSE SERVICES Inpatient on place of service where it is rendered Residential Treatment Facility Outpatient OTHER SERVICESS Convalescent Facility Limited to 60 days per plan year. Home Care Limited to 60 visits per plan year. Coverage includes nutritional counseling and services of a medical social worker. Each visit by a nurse or rapistt is one visit. Each visit up to 4 hours byy a home health care aide is one visit. Hospice Care - Inpatient Hospice Care - Outpatient Private Duty Nursing - Outpatient Outpatient Short-Term Rehabilitation Includes Speech, Physical, and Occupational Therapy, limited to 30 visits per plan year. Behavioral Therapy Refer to MBH Outpatient Mental Refer to MBH Outpatient Mental Covered same as any or Outpatient Mental benefit Applied Behavior Analysis Refer to MBH Outpatient Mental Refer to MBH Outpatient Mental Covered same as any or Outpatient Mental benefit with no age or visit limitations. Physical Therapy Visits combined with Short Term Rehabilitation. Occupational Therapy Visits combined with Short Term Rehabilitation. Speech Therapy Visits combined with Short Term Rehabilitation. Page 3

4 Spinal Manipulation Therapy Limited to 20 visits per plan year. Durable Medical Equipment Diabetic Supplies -- (if not covered under Pharmacy benefit) Contraceptive drugs and devices not obtainable at a pharmacy Generic FDA-approved Women's Contraceptives Transplants Covered same as any or medical expense. Preferred coverage is provided at an Covered same as any or medical expense. Covered same as any or expense. Non-Preferred coverage is provided IOE contracted facility only. at a Non-IOE facility. Bariatric Surgery Out of Area Dependents Coverage providedd at non-preferred benefit level of plan. FAMILY PLANNING Infertility Treatment Diagnosis and treatment of underlying medical condition. Comprehensive Infertility Services Coverage includes Artificial Insemination (limited to six courses of treatment per member's lifetime) and Ovulation Induction (limited to six courses of treatment per member's lifetime). Lifetime maximumm applies to all procedures covered by any of our plans except wheree prohibited by law. Advanced Reproductive Technology (ART) ART coverage includes: In vitro fertilization (IVF), zygote intrafallopian transfer (ZIFT), gamete intrafallopian transfer (GIFT), cryopreserved embryo transfers, intracytoplasmic sperm injection (ICSI) or ovum microsurgery. Vasectomy on on place of service where it is rendered;. Tubal Ligation on. PHARMACY The full cost of drug is applied to deductible before any benefits are considered for payment under pharmacy plan. Pharmacy Plan Type Aetna Value Plus Open Formulary Page 4

5 Retail $15 copay for formulary genericc 20% of submitted cost; after drugs, $35 copay for formulary applicable copay brand-name drugs, and $65 copay for non-formulary brand-name andd generic drugs up to a 30 day supply at participating pharmacies. Mail Order $37.5 copay for formulary generic Not t Applicable drugs, $87.5 copay for formulary brand-name drugs, and $162.5 copay for non-formulary brand-name and generic drugs up to a dayy supply from Aetna Rx Home Delivery. Aetna Value Plus Specialty Drugs 20% for formulary and non-formulary Not t Applicable drugs Minimum $20 copay, maximum $80 copay. Value Plus Specialty Drug List All prescription fills must be through our preferred Aetna Specialty Pharmacy network. Preventive Medications - Deductible is waived for certain preventive medications. A full list of se drugs is available on Navigator or from your employer. Choose Generics - If member or physician requests brand when generic is available, member pays applicable copay plus difference between generic price and brand price. Plan Includes: Diabetic suppliess and Contraceptive drugs and devices obtainable from a pharmacy. A limited list of over--counter medications are covered when filled with a prescription. Value Plus Pre-certification included Value Plus Step Therapy included One transition fill allowed within 90 days of member's effective date Formulary Generic FDA-approve ed Women's Contraceptive es and certainn over--counter preventive medications covered 100% in network. GENERAL PROVISIONS Dependents Eligibility Spouse, children from birth to age 26 regardless of student status. **We cover cost of services based on wher doctors are "in network" or "out of network." We want to help you understand how much we pay for your out-of-network care. At samee time, we want to make it clear how much more you will need to pay for this "out-of-network" professionals amount is based on what Medicare pays for se services. The government sets Medicare rate. Exactly how much we "recognize" depends on plan you or your employer picks. care. For doctors and or For hospitals and or facilities, amount is based on what Medicare pays for se services. The government sets Medicare rate. Exactly how much we "recognize" depends on plan you or your employer picks. Your doctor sets his or her own rate to charge you. It may be higher -- sometimes much higher -- than what your plan "recognizes." Your doctor may bill you for dollar amount that we don't "recognize." You must also pay any copayments, coinsurance and deductibles under your plan. No dollar amount above "recognized charge" counts toward your deductible or out-of-pockeby: Aetna Life Insurance Company. While this material is believed to be accurate as of maximums. To learn more about how we pay out-of-network benefits visit our website. Plans are provided production date, it is subject to change. Page 5

6 benefits and health insurance plans contain exclusions and limitations. Not alll health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. You may be responsible for healthh care provider's full charges for any non-covered services, including circumstances where you have exceeded a benefit limit contained in plan. Providers are independent contractors and are not our agents. Provider participation may change withoutt notice. We do not provide care or guarantee access to health services. If you are in a plan that requires selection of a primary care physician and your primary care physician is part of an integrated delivery system or physician group, your primary care physician will generally refer you to specialistss and hospitals that are affiliated with delivery system or physician group. The following is a list of services and supplies that are generally not covered. However, your plan documents may containn exceptions to this list based on state mandates or plan design or rider(s) purchased by your employer. All medical and hospital services not specifically covered in, or which are limited or excluded by your plan documents. Cosmetic surgery, including breast reduction. Custodial care. Dental care and dental X-rays. Donor egg retrieval. Durable medical Equipment Experimental and investigational procedures, except for coverage for medically necessary routine patient care costs for members participating in a cancer clinical trial. Hearing aids Home births Immunizations for travel or work, except where medically necessary orr indicated. Implantable drugs and certain injectable drugs including injectable infertility drugs. Infertility services, including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and or related services, unless specifically listed as covered in your plan documents. Long-term rehabilitation rapy. Non-medically necessary services or supplies. Orthotics except diabetic orthotics. Outpatient prescription drugs (except for treatment of diabetes), unlesss covered by a prescription plan rider and over--counter medications (except as provided in a hospital) and supplies. Radial keratotomy or related procedures. Reversal of sterilization. Services for treatment of sexual dysfunction or inadequacies, including rapy,, supplies or counseling or prescription drugs. Special duty nursing. Therapy or rehabilitation or than those listed as covered. Treatment of behavioral disorders. Weight control services including surgical procedures, medical treatments, weight control/loss programs, dietary regimens and supplements, appetite suppressants and or medications; food or food supplements, exercise programs, exercise or or equipment; and or services and suppliess that are primarily intended to control weight or treat obesity, including Morbid Obesity, or for purpose of weight reduction, regardless of existence of comorbid conditions. Page 6

7 Aetna receives rebates from drug manufacturers that may be taken into account in determining Aetna's Preferred Drug List. Rebates do not reduce amount a member pays pharmacy for covered prescriptions. Aetna Rx Home Delivery refers to Aetna Rx Home Delivery, LLC, a licensed pharmacy subsidiary of Aetna Inc., that operates through mail order. The charges that Aetna negotiates with Aetna Rx Home Delivery may be higher than cost y pay for drugs and cost of mail order pharmacy services y provide. For se purposes, pharmacy's cost of purchasing drugs takes into account discounts, credits and or amounts that y may receive from wholesalers, manufacturers, suppliers and distributors. In case of emergency, call 911 or your local emergency hotline, or go directly to an emergency care facility. Translation of material into anor language may be available. Please call Member Services at Puede estar disponible la traduccion de este material en otro idioma. Por favor llame a Servicios al Miembro al Plan features and availability may vary by location and group size. For more information about Aetna plans, referr to Aetna Inc. Page 7