New Jersey 2 50 Plan guide

Transcription

1 Quality health plans & benefits Healthier living Financial well-being Intelligent solutions New Jersey 2 50 Plan guide The health of business, well planned. Plans effective December 1, 2012 For businesses with 2-50 eligible employees NJ D (8/12)

2 NJ D (8/12) Team with Aetna for the health of your business Introducing a new suite of products and services designed specifically for companies with 2 to 50 eligible employees. Health/dental benefits and health/dental insurance plans, life and disability insurance plans are offered, underwritten and/or administered by Aetna Health Inc., Aetna Health Insurance Company, Aetna Dental Inc. and/or Aetna Life Insurance Company (Aetna). Each insurer has sole financial responsibility for its own products.

3 You can count on Aetna to provide health plans that help simplify decision making and plan administration so you can focus on the health of your business NJ D (8/12) Aetna is committed to helping employers build healthy businesses. In today s rapidly changing economy, we recognize the need for less expensive, less complex health plan choices. Now, Aetna offers a variety of newly streamlined medical and dental benefits and insurance plans to provide more affordable options and to help simplify plan selection and administration. In this guide: 5 Small-business commitment 5 Benefits for every stage of life 6 Medical overview 9 Managing health care expenses 10 Medical plan options 35 Dental overview 36 Dental plan options 47 Life & disability overview 49 Life & disability plan options 51 Underwriting guidelines 57 Product specifications 66 Limitations and exclusions 3

4 Employers and their employees can benefit from Affordable plan options Online self-service tools and capabilities Enhanced services for consumer-directed health plans 24-hour access to Employee Assistance Program services Preventive care covered 100% Aetna disease management and wellness programs With Aetna, we know it s about... Options We provide a variety of health plan options to help meet your employees needs, including medical, dental, disability and life insurance. And, with access to a wide network of health care providers, you can be sure that employees have options in how they access their health care. Medical plans Traditional plans Cost-sharing plans Consumer-directed health plans Dental plans DMO PPO PPO Max Freedom-of-Choice plan design Preventive Life and disability plans Basic term life insurance Packaged life and disability plans Simplicity We know that the health of your business is your top priority. Aetna s streamlined plans and variety of services make it easier for you to focus on your business by simplifying administration and management. Aetna makes it easy to manage health insurance benefits with simplified enrollment, billing and claims processing so you can focus on what matters most. Trust We work hard to provide health plan solutions you can trust. Our account executives, underwriters and customer service representatives are committed to providing small businesses and their employees with service and care they can trust. Aetna resources are designed to fortify the health of your business Track medical claims and take advantage of online services with your Aetna Navigator secure member website. It features automated enrollment, personal health records and printable temporary member ID cards. Get real cost and health information to help make the right care decision with an online Cost of Care Estimator. Manage health records online with the Personal Health Record. Use of the Aetna Health Connections Disease SM Management Program, which provides personal support to members to help them manage their conditions. Leverage 24/7 access to a nurse to help with personal health-related questions. Help members work toward health goals with wellness initiatives, such as the Simple Steps to a Healthier Life online program. Take advantage of discount programs for vision, dental, and general health care that encourage use of plan offerings. 4

5 Aetna is committed to the health of your business At Aetna, we understand that your business has unique needs. That s why we have streamlined our plan options for employers with 2 to 50 employees. We are committed to providing you with value and quality you can count on. Our variety of products and services allows you to focus on the health of your business. Aetna s health plan options are designed with the health of your business in mind Basic plans Basic benefits for your employees Limit the expense to your business Allow employees to buy up and share more of the cost --NJ HNOnly CS NJ HNOnly CS NJ HNOption CS 1.2 Value plans Encourage employee responsibility in their health care decisions Tools and resources to support consumerism Innovative plan design --NJ HNOnly HSA Compatible NJ HNOnly HSA Compatible NJ HNOption HSA Compatible 2.2 Standard plans Standard benefits plans Limit the financial impact on employees --NJ HNOnly NJ HNOnly NJ HNOption 3.2 Health insurance benefits for every stage of life For young individuals and couples without children Lower monthly payments Modest out-of-pocket costs Quality preventive care Prescription drug coverage Financial protection Cost-sharing plans Consumer-directed health plans For married couples and single parents with teens and college-aged children Checkups and care for injuries and illness Preventive care and screenings that promote a healthy lifestyle National network of health care providers Cost-sharing plans Consumer-directed health plans For married couples and single parents with young children or teens Lower fees for office visits Lower monthly payments Caps on out-of-pocket expenses Quality preventive care for the entire family Traditional plans Consumer-directed health plans For men and women 55 years of age and over with no children at home Financial security Quality prescription drug coverage Hospital inpatient/outpatient services Emergency care Cost-sharing plans Consumer-directed health plans 5

6 Medical Overview At Aetna, we are committed to putting the employee at the center of everything we do. You can count on Aetna to provide health plans that help simplify decision making and plan administration so you can focus on the health of your business. New Jersey provider network* All plans are available in all New Jersey counties. Northeast Region Small Group Sales Support Center: Atlantic Middlesex Bergen Monmouth Burlington Morris Camden Ocean Cape May Passaic Cumberland Salem Essex Somerset Gloucester Sussex Hudson Union Hunterdon Warren Mercer Plan Name Product Description PCP Required Referrals Required DocFind Plan Name Aetna HMO Aetna Health Network Only SM (HNOnly) A Health Maintenance Organization (HMO) uses a network of participating providers. Each family member selects a primary care physician (PCP) participating in our network. The PCP provides routine and preventive care and helps coordinate the member s total health care. The PCP refers members to participating specialists and facilities for medically necessary specialty care. Only services provided or referred by the PCP are covered except for emergency, urgently needed care or direct access benefits, unless approved by the HMO in advance of receiving services. Aetna Health Network Only (HNOnly) is a health maintenance organization plan which uses a network of participating providers. Each family member may select a primary care physician (PCP) participating in the Aetna network to provide routine and preventive care and help coordinate the member s total health care. Members never need a referral when visiting a participating specialist for covered services. Only services rendered by a participating provider are covered, except for emergency or urgently needed care. Yes Yes HMO Optional No Aetna Health Network Only SM (Open Access) Aetna POS The Aetna POS plan is a two-tiered product that allows members to access care in one of two ways: 1. PCP Referred, network, or; 2. Self-Referred, network or non-network. Members have lower out of pocket costs when they use the HMO (referred) tier of the plan and follow the PCP referral process. Member cost sharing increases if members decide to self refer network or non-network. Yes Yes for PCP QPOS Referred care; No for Self-Referred Care *Network subject to change. 6

7 Plan Name Product Description PCP Required Referrals Required DocFind Plan Name Aetna Health Network Option SM (HNOption) Aetna Open Access Elect Choice (OA EPO) Aetna Health Network Option (HNOption) is a two-tiered product that allows members to access care in or out of network. Members have lower out-of-pocket costs when they use the in-network tier of the plan. Member cost sharing increases if members decide to go out of network. Members may go to their PCP or directly to a participating specialist without a referral. It is their choice, each time they seek care. The Aetna Open Access Elect Choice plan provides a network-only based managed care product with comprehensive health care benefits. Members are not required to select a PCP to coordinate their care or to obtain referrals for specialty care. Only services rendered by a network provider are covered, except for emergency or urgently needed care. Optional No Aetna Health Network Option SM (Open Access) Optional No Elect Choice EPO (Open Access) Aetna Managed Choice (MC) Aetna s Managed Choice POS plan provides all the benefits of a managed care plan combined with the freedom to visit a doctor or hospital of choice. The plan combines cost control features with member flexibility to choose quality health care providers. MC is a POS product and members are still required to select a PCP to coordinate their care and obtain referrals for specialty care. Yes Yes for PCP Referred care; No for Self-Referred Care Managed Choice POS Aetna Open Access Managed Choice (OA MC) Aetna Indemnity Managed Choice members can access any recognized provider for covered services without a referral. Each time members seek health care, they have the freedom to choose either network providers at lower out-of-pocket costs, or non-network providers at higher out-of-pocket costs. The Aetna Indemnity plan option is available for employees who live outside the plan s network service area. Members coordinate their own health care and may access any recognized provider for covered services without a referral. Optional No Managed Choice POS (Open Access)" No No N/A 7

8 Aetna High Deductible HSA-Compatible plans Aetna High Deductible HSA Compatible Plans are compatible with a Health Savings Account (HSA). HSA-compatible plans provide integrated medical and pharmacy benefits. Preventive care services are waived from the deductible. HSAs provide employers and their qualified employees with an affordable tax advantaged solution that allows them to better manage their qualified medical and dental expenses. Employees can build a savings fund to assist in covering their future medical and dental expenses. HSA accounts can be funded by the employer or employee and are portable. Fund contributions may be tax-deductible (limits apply). When funds are used to cover qualified out-of-pocket medical and dental expenses, they are not taxed. It is completely at the discretion of the employer or employee whether or not to establish an HSA. Note: Employers and employees should consult with their tax advisor to determine eligibility requirements and tax advantages for participation in the HSA plan. Health Reimbursement Arrangement (HRA) The Aetna HealthFund HRA combines the protection of a deductible-based health plan with a health fund that pays for eligible health care services. The member cannot contribute to the HRA, and employers have control over HRA plan designs and fund rollover. The fund is available to an employee for qualified expenses on the plan s effective date. The HRA and the HSA provide members with financial support for higher out-of-pocket health care expenses. Aetna s consumer-directed health products and services give members the information and resources they need to help make informed health care decisions for themselves and their families while helping lower employers costs. Health Savings Account (HSA) No set-up or administrative fees The Aetna HealthFund HSA, when coupled with a HSA-compatible high-deductible health benefits and health insurance plan, is a tax-advantaged savings account. Once enrolled, account contributions can be made by the employee and/or employer. The HSA can be used to pay for qualified expenses tax free. Member s HSA Plan HSA Account You own your HSA Contribute tax free You choose how and when to use your dollars Roll it over each year and let it grow Earns interest, tax free Today Use for qualified expenses with tax-free dollars Future Plan for future and retiree health-related costs High-deductible health plan Eligible in-network preventive care services will not be subject to the deductible You pay 100% until deductible is met, then only pay a share of the cost Meet out-of-pocket maximum, then plan pays 100% Investment services are independently offered through HealthEquity, Inc. Aetna HealthFund HRAs are subject to employer-defined use and forfeiture rules, and are unfunded liabilities of your employer. Fund balances are not vested benefits. 8

9 COBRA administration Aetna COBRA administration offers a full range of notification, documentation and record-keeping processes that can help employers manage the complex billing and notification processes required for COBRA compliance, while also helping to save them time and money. Section 125 Cafeteria Plans and Section 132 Transit Reimbursement Accounts Employees can reduce their taxable income, and employers can pay less in payroll taxes. There are three ways to save: Premium-Only Plans (POP) Employees can pay for their portion of the group health insurance expenses on a pretax basis. Flexible Savings Account (FSA) FSAs give employees a chance to save for health expenses with pretax money. Health care spending accounts allow employees to set aside pretax dollars to pay for out-of-pocket expenses as defined by the IRS. Dependent Care Spending Accounts allow participants to use pretax dollars to pay child or elder care expenses. Transit Reimbursement Account (TRA) TRAs allow participants to use pretax dollars to pay transportation and parking expenses for the purpose of commuting to and from work. Administrative Fees Fee description HSA Initial Set-Up $0 Monthly Fees $0 POP Fee Initial Set-Up* $175 Renewal $100 HRA and FSA** Initial Set-Up* 2 25 Employees $ Employees $450 Renewal Fee 1 25 Employees $ Employees $275 Monthly Fees*** $5.25 per participant Additional Set-Up Fee for stacked plans $150 (those electing an Aetna HRA and FSA simultaneously) Participation Fee for stacked participants $10.25 per participant Minimum Fees 1 25 Employees $25 per month minimum Employees $50 per month minimum TRA Annual Fee $350 Transit Monthly Fees $4.25 per participant Parking Monthly Fees $3.15 per participant COBRA Annual Fee Employees $100 Per employee per month Employees $0.88 Initial notice fee $1.50 per notice (includes notices at time of implementation and during ongoing administration) * First year POP fees waived with the purchase of medical with 5-plus enrolled employees. ** Nondiscrimination testing provided annually after open enrollment for POP and FSA only. Additional off-cycle testing available at employer request for $100 fee. Nondiscrimination testing only available for FSA and POP products. *** For HRA, if the employer opts out of Streamline, the fee is increased $1.50 per participant. For FSA, the debit card is available for an additional $1 per participant per month. Mailing reimbursement checks direct to employee homes is an additional $1 per participant per month. Aetna reserves the right to change any of the above fees and to impose additional fees upon prior written notice. 9

10 Consumer Directed - Health Network Only (Hnonly) Hsa Compatible Plan Options Plan Options NJ HNOnly HSA Compatible * NJ HNOnly HSA Compatible * Member Benefits Network Network Member Coinsurance 0% after deductible 0% after deductible Benefit Year Deductible 1 Benefit Year Maximum Out-of-Pocket 2 $2,000 individual $4,000 family $4,000 individual $8,000 family $2,500 individual $5,000 family $5,000 individual $10,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply.) $0 copay, deductible waived $0 copay, deductible waived Routine Eye Exam (One exam per 24 months.) $0 copay, deductible waived $0 copay, deductible waived Glasses and Contact Lens Reimbursement $100/24 month period $100/24 month period Aetna Vision SM Discounts Program Included Included Primary Physician Office Visit $30 copay after deductible $30 copay after deductible Specialist Office Visit $50 copay after deductible $50 copay after deductible Outpatient Services - Lab $15 copay after deductible $15 copay after deductible Outpatient Services - X-ray $50 copay after deductible $50 copay after deductible Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) 30% after deductible 50% after deductible Chiropractic Services (30 visits per benefit year.) $10 copay after deductible $10 copay after deductible Outpatient Physical/Occupational Therapy (30 combined visits per benefit year.) Outpatient Cognitive/Speech Therapy (30 combined visits per benefit year.) Durable Medical Equipment ($2,500 Benefit Year Maximum.) Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) $20 copay after deductible $20 copay after deductible $20 copay after deductible $20 copay after deductible 50% after deductible 50% after deductible $400 copay per day, 5 day copay maximum per admission, after deductible $500 copay per day, 5 day copay maximum per admission, after deductible Outpatient Surgery: Hospital Outpatient Facility $200 copay after deductible $250 copay after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility $200 copay after deductible $250 copay after deductible Emergency Room 30% after deductible 50% after deductible Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply Retail or Mail Order: day supply Optional Features: RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 3: 50% RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum $250/50% to a per script maximum of $300 RX 3: 50% RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 3: 50% RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum $250/50% to a per script maximum of $300 RX 3: 50% Benefit Year: Plans are available on a calendar or plan year basis. Employer will elect one of two funding options: (i) funding 50% or less or (ii) funding more than 50% of the single subscriber deductible per benefit year. Employer changes, requested during the year or upon renewal of the plan, to the elected funding option will be administered as a benefits plan change. See pages for Important Plan Provisions. 10

11 Consumer Directed - Health Network Option (Hnoption) Hsa Compatible Plan Options Plan Options NJ HNOption HSA Compatible * Member Benefits Network Non-Network 3 Member Coinsurance 0% after deductible 50% after deductible Benefit Year Deductible 1 Benefit Year Maximum Out-of-Pocket 2 $2,000 individual $4,000 family $4,000 individual $8,000 family $4,000 individual $8,000 family $8,000 individual $16,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply. Network and non-network combined.) $0 copay, deductible waived $750 max/benefit year through age 1, $500 max/benefit year for ages 2+. No deductible or coinsurance applies. Refer to plan documents for details. Routine Eye Exam (One exam per 24 months.) $0 copay, deductible waived Not Covered Glasses and Contact Lens Reimbursement $100/24 month period. Network and non-network combined. Aetna Vision SM Discounts Program Included Not Covered Primary Physician Office Visit $30 copay after deductible 50% after deductible Specialist Office Visit $50 copay after deductible 50% after deductible Outpatient Services - Lab $15 copay after deductible 50% after deductible Outpatient Services - X-ray $50 copay after deductible 50% after deductible Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per benefit year. Outpatient Physical/Occupational Therapy (30 combined visits per benefit year. Outpatient Cognitive/Speech Therapy (30 combined visits per benefit year. Durable Medical Equipment ($2,500 Benefit Year Maximum. Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) 30% after deductible 50% after deductible $10 copay after deductible 25% after deductible $20 copay after deductible 50% after deductible $20 copay after deductible 50% after deductible 50% after deductible 50% after deductible $400 copay per day, 5 day copay maximum per admission, after deductible 50% after deductible Outpatient Surgery: Hospital Outpatient Facility $200 copay after deductible 50% after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility $200 copay after deductible 50% after deductible. Maximum benefit of $2,000 per member per benefit year. Emergency Room 30% after deductible 30% after deductible Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply Retail or Mail Order: day supply Optional Features: See pages for Important Plan Provisions. RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. Benefit Year: Plans are available on a calendar or plan year basis. Employer will elect one of two funding options: (i) funding 50% or less or (ii) funding more than 50% of the single subscriber deductible per benefit year. Employer changes, requested during the year or upon renewal of the plan, to the elected funding option will be administered as a benefits plan change. 11

12 Consumer Directed - Health Network Option (Hnoption) Hsa Compatible Plan Options Plan Options NJ HNOption HSA Compatible * Member Benefits Network Non-Network 3 Member Coinsurance 0% after deductible 50% after deductible Benefit Year Deductible 1 Benefit Year Maximum Out-of-Pocket 2 $2,500 individual $5,000 family $5,000 individual $10,000 family $5,000 individual $10,000 family $10,000 individual $20,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply. Network and non-network combined.) $0 copay, deductible waived $750 max/benefit year through age 1, $500 max/benefit year for ages 2+. No deductible or coinsurance applies. Refer to plan documents for details. Routine Eye Exam (One exam per 24 months.) $0 copay, deductible waived Not Covered Glasses and Contact Lens Reimbursement $100/24 month period. Network and non-network combined. Aetna Vision SM Discounts Program Included Not Covered Primary Physician Office Visit $30 copay after deductible 50% after deductible Specialist Office Visit $50 copay after deductible 50% after deductible Outpatient Services - Lab $15 copay after deductible 50% after deductible Outpatient Services - X-ray $50 copay after deductible 50% after deductible Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per benefit year. Outpatient Physical/Occupational Therapy (30 combined visits per benefit year. Outpatient Cognitive/Speech Therapy (30 combined visits per benefit year. Durable Medical Equipment ($2,500 Benefit Year Maximum. Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) 50% after deductible 50% after deductible $10 copay after deductible 25% after deductible $20 copay after deductible 50% after deductible $20 copay after deductible 50% after deductible 50% after deductible 50% after deductible $500 copay per day, 5 day copay maximum per admission, after deductible 50% after deductible Outpatient Surgery: Hospital Outpatient Facility $250 copay after deductible 50% after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility $250 copay after deductible 50% after deductible. Maximum benefit of $2,000 per member per benefit year. Emergency Room 50% after deductible 50% after deductible Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply Retail or Mail Order: day supply Optional Features: See pages for Important Plan Provisions. 12 RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX cost-shares will apply after integrated medical/ pharmacy deductible is met: RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. Benefit Year: Plans are available on a calendar or plan year basis. Employer will elect one of two funding options: (i) funding 50% or less or (ii) funding more than 50% of the single subscriber deductible per benefit year. Employer changes, requested during the year or upon renewal of the plan, to the elected funding option will be administered as a benefits plan change.

13 Consumer Directed - Open Access Elect Choice (Oa Epo) Hsa Compatible Plan Option Plan Options NJ OA EPO HSA Compatible * Member Benefits Member Coinsurance Benefit Year Deductible 1 Benefit Year Maximum Out-of-Pocket 2 Lifetime Maximum Benefit Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply.) Routine Eye Exam (One exam per 24 months.) Glasses and Contact Lens Reimbursement Aetna Vision SM Discounts Program Primary Physician Office Visit Specialist Office Visit Outpatient Services - Lab Outpatient Services - X-ray Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per benefit year.) Outpatient Physical/Occupational Therapy (30 combined visits per benefit year.) Outpatient Cognitive/Speech Therapy (30 combined visits per benefit year.) Durable Medical Equipment ($2,500 Benefit Year Maximum.) Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) Outpatient Surgery: Hospital Outpatient Facility Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility Emergency Room Network 0% after deductible $2,500 individual $5,000 family $5,000 individual $10,000 family Unlimited $0 copay, deductible waived $0 copay, deductible waived $100/24 month period Included $30 copay after deductible $50 copay after deductible $15 copay after deductible $50 copay after deductible 50% after deductible $10 copay after deductible $20 copay after deductible $20 copay after deductible 50% after deductible $500 copay per day, 5 day copay maximum per admission, after deductible $250 copay after deductible $250 copay after deductible 50% after deductible Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply Retail or Mail Order: day supply Optional Features: RX cost-shares will apply after integrated medical/ pharmacy deductible is met: $10/$40/$75 RX cost-shares will apply after integrated medical/ pharmacy deductible is met: $20/$80/$150 Benefit Year: Plans are available on a calendar or plan year basis. Employer will elect one of two funding options: (i) funding 50% or less or (ii) funding more than 50% of the single subscriber deductible per benefit year. Employer changes, requested during the year or upon renewal of the plan, to the elected funding option will be administered as a benefits plan change. See pages for Important Plan Provisions. 13

14 Consumer Directed - Open Access Managed Choice (Oa Mc) Hsa Compatible Plan Option Plan Options NJ OA MC HSA Compatible * Member Benefits Network Non-Network 3 Member Coinsurance 0% after deductible 50% after deductible Benefit Year Deductible 1 Benefit Year Maximum Out-of-Pocket 2 $2,000 individual $4,000 family $4,000 individual $8,000 family $4,000 individual $8,000 family $8,000 individual $16,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply. Routine Eye Exam (One exam per 24 months. Glasses and Contact Lens Reimbursement $0 copay, deductible waived $750 max/benefit year through age 1, $500 max/benefit year for ages 2+. No deductible or coinsurance applies. Refer to plan documents for details. $0 copay, deductible waived Not Covered $100/24 month period. Network and non-network combined. Aetna Vision SM Discounts Program Included Not Covered Primary Physician Office Visit $30 copay after deductible 50% after deductible Specialist Office Visit $50 copay after deductible 50% after deductible Outpatient Services - Lab $15 copay after deductible 50% after deductible Outpatient Services - X-ray $50 copay after deductible 50% after deductible Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per benefit year. Outpatient Physical/Occupational Therapy (30 combined visits per benefit year. Outpatient Cognitive/Speech Therapy (30 combined visits per benefit year. Durable Medical Equipment ($2,500 Benefit Year Maximum. Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) 30% after deductible 50% after deductible $10 copay after deductible 25% after deductible $20 copay after deductible 50% after deductible $20 copay after deductible 50% after deductible 50% after deductible 50% after deductible $400 copay per day, 5 day copay maximum per admission, after deductible 50% after deductible Outpatient Surgery: Hospital Outpatient Facility $200 copay after deductible 50% after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility $200 copay after deductible 50% after deductible. Maximum benefit of $2,000 per member per benefit year. Emergency Room 30% after deductible 30% after deductible Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply Retail or Mail Order: day supply Optional Features: RX cost-shares will apply after integrated medical/ pharmacy deductible is met: $10/$40/$75 RX cost-shares will apply after integrated medical/ pharmacy deductible is met: $20/$80/$150 RX cost-shares will apply after integrated medical/ pharmacy deductible is met: 50% RX cost-shares will apply after integrated medical/ pharmacy deductible is met: 50% Benefit Year: Plans are available on a calendar or plan year basis. Employer will elect one of two funding options: (i) funding 50% or less or (ii) funding more than 50% of the single subscriber deductible per benefit year. Employer changes, requested during the year or upon renewal of the plan, to the elected funding option will be administered as a benefits plan change. See pages for Important Plan Provisions. 14

15 Cost-Sharing (Cs) - Health Network Only (Hnonly) Plan Options Plan Options NJ HNOnly CS * NJ HNOnly CS * Member Benefits Network Network Member Coinsurance 30% after deductible 40% after deductible Calendar Year Deductible 1 Calendar Year Maximum Out-of-Pocket 2 $1,500 per member $3,000 family $3,000 per member $6,000 family $2,000 per member $4,000 family $5,000 per member $10,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply.) $0 copay, deductible waived $0 copay, deductible waived Routine Eye Exam (One exam per 24 months.) $0 copay, deductible waived $0 copay, deductible waived Glasses and Contact Lens Reimbursement $100/24 month period $100/24 month period Aetna Vision SM Discounts Program Included Included Primary Physician Office Visit $20 copay, deductible waived $30 copay, deductible waived Specialist Office Visit $40 copay, deductible waived $50 copay, deductible waived Outpatient Services - Lab $0 copay, deductible waived $0 copay, deductible waived Outpatient Services - X-ray $40 copay, deductible waived $50 copay, deductible waived Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) 30%, deductible waived 40%, deductible waived Chiropractic Services (30 visits per calendar year.) $10 copay, deductible waived $10 copay, deductible waived Outpatient Physical/Occupational Therapy (30 combined visits per calendar year.) Outpatient Cognitive/Speech Therapy (30 combined visits per calendar year.) Durable Medical Equipment ($2,500 Calendar Year Maximum.) Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) $20 copay, deductible waived $20 copay, deductible waived $20 copay, deductible waived $20 copay, deductible waived 50%, deductible waived 50%, deductible waived 30% after deductible 40% after deductible Outpatient Surgery: Hospital Outpatient Facility 30% after deductible 40% after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility 30% after deductible 40% after deductible Emergency Room 30%, deductible waived 40%, deductible waived Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 3: 50% Retail or Mail Order: day supply RX 1: $20/$80/$150 RX 2: $15/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 3: 50% RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 3: 50% RX 1: $20/$80/$150 RX 2: $15/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 3: 50% Optional Features: Referral Option: NJ HMO CS 2.2 Referral Option: NJ HMO CS 3.2 See pages for Important Plan Provisions. 15

16 Cost-Sharing (Cs) - Health Network Only (Hnonly) Plan Options Plan Options NJ HNOnly CS * Member Benefits Member Coinsurance Calendar Year Deductible 1 Calendar Year Maximum Out-of-Pocket 2 Lifetime Maximum Benefit Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply.) Routine Eye Exam (One exam per 24 months.) Glasses and Contact Lens Reimbursement Aetna Vision SM Discounts Program Primary Physician Office Visit Specialist Office Visit Outpatient Services - Lab Outpatient Services - X-ray Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per calendar year.) Outpatient Physical/Occupational Therapy (30 combined visits per calendar year.) Outpatient Cognitive/Speech Therapy (30 combined visits per calendar year.) Durable Medical Equipment ($2,500 Calendar Year Maximum.) Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) Outpatient Surgery: Hospital Outpatient Facility Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility Emergency Room Network 50% after deductible $2,500 per member $5,000 family $5,000 per member $10,000 family Unlimited $0 copay, deductible waived $0 copay, deductible waived $100/24 month period Included $30 copay, deductible waived $50 copay, deductible waived $0 copay, deductible waived $50 copay, deductible waived 50%, deductible waived $10 copay, deductible waived $20 copay, deductible waived $20 copay, deductible waived 50%, deductible waived 50% after deductible 50% after deductible 50% after deductible 50%, deductible waived Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 3: 50% Retail or Mail Order: day supply RX 1: $20/$80/$150 RX 2: $15/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 3: 50% Optional Features: Referral Option: NJ HMO CS 4.2 See pages for Important Plan Provisions. 16

17 Cost-Sharing (Cs) - Health Network Option (Hnoption) Plan Options Plan Options NJ HNOption CS * Member Benefits Network Non-Network 3 Member Coinsurance 20% after deductible 40% after deductible Calendar Year Deductible 1 Calendar Year Maximum Out-of-Pocket 2 $1,500 per member $3,000 family $5,000 per member $10,000 family $3,000 per member $6,000 family $10,000 individual $20,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply. $0 copay, deductible waived $750 max/benefit year through age 1, $500 max/benefit year for ages 2+. No deductible or coinsurance applies. Refer to plan documents for details. Routine Eye Exam (One exam per 24 months.) $0 copay, deductible waived Not Covered Glasses and Contact Lens Reimbursement $100/24 month period. Network and non-network combined. Aetna Vision SM Discounts Program Included Not Covered Primary Physician Office Visit $30 copay, deductible waived 40% after deductible Specialist Office Visit $50 copay, deductible waived 40% after deductible Outpatient Services - Lab $0 copay, deductible waived 40% after deductible Outpatient Services - X-ray $50 copay, deductible waived 40% after deductible Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per calendar year. Outpatient Physical/Occupational Therapy (30 combined visits per calendar year. Outpatient Cognitive/Speech Therapy (30 combined visits per calendar year. Durable Medical Equipment ($2,500 Calendar Year Maximum. Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) 20%, deductible waived 40% after deductible $10 copay, deductible waived 25% after deductible $20 copay, deductible waived 40% after deductible $20 copay, deductible waived 40% after deductible 50%, deductible waived 50% after deductible 20% after deductible 40% after deductible Outpatient Surgery: Hospital Outpatient Facility 20% after deductible 40% after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility 20% after deductible 40% after deductible. Maximum benefit of $2,000 per member per calendar year. Emergency Room 20%, deductible waived 20%, deductible waived Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. Retail or Mail Order: day supply RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. Optional Features: None None RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. See pages for Important Plan Provisions. 17

18 Cost-Sharing (Cs) - Health Network Option (Hnoption) Plan Options Plan Options NJ HNOption CS * Member Benefits Network Non-Network 3 Member Coinsurance 30% after deductible 50% after deductible Calendar Year Deductible 1 Calendar Year Maximum Out-of-Pocket 2 $2,500 per member $5,000 family $5,000 per member $10,000 family $5,000 per member $10,000 family $10,000 individual $20,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply. $0 copay, deductible waived $750 max/benefit year through age 1, $500 max/benefit year for ages 2+. No deductible or coinsurance applies. Refer to plan documents for details. Routine Eye Exam (One exam per 24 months.) $0 copay, deductible waived Not Covered Glasses and Contact Lens Reimbursement $100/24 month period. Network and non-network combined. Aetna Vision SM Discounts Program Included Not Covered Primary Physician Office Visit $30 copay, deductible waived 50% after deductible Specialist Office Visit $50 copay, deductible waived 50% after deductible Outpatient Services - Lab $0 copay, deductible waived 50% after deductible Outpatient Services - X-ray $50 copay, deductible waived 50% after deductible Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per calendar year. Outpatient Physical/Occupational Therapy (30 combined visits per calendar year. Outpatient Cognitive/Speech Therapy (30 combined visits per calendar year. Durable Medical Equipment ($2,500 Calendar Year Maximum. Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) 30%, deductible waived 50% after deductible $10 copay, deductible waived 25% after deductible $20 copay, deductible waived 50% after deductible $20 copay, deductible waived 50% after deductible 50%, deductible waived 50% after deductible 30% after deductible 50% after deductible Outpatient Surgery: Hospital Outpatient Facility 30% after deductible 50% after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility 30% after deductible 50% after deductible. Maximum benefit of $2,000 per member per calendar year. Emergency Room 30%, deductible waived 30%, deductible waived Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. Retail or Mail Order: day supply RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. Optional Features: None None RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. RX 1 & 2: Not Covered RX 4: Not Covered under RX Plan. Subject to Non-Network Medical Deductible and Coinsurance. See pages for Important Plan Provisions. 18

19 Cost-Sharing (Cs) - Open Access Elect Choice (Oa Epo) Plan Option Plan Options NJ OA EPO CS * Member Benefits Member Coinsurance Calendar Year Deductible 1 Calendar Year Maximum Out-of-Pocket 2 Lifetime Maximum Benefit Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply.) Routine Eye Exam (One exam per 24 months.) Glasses and Contact Lens Reimbursement Aetna Vision SM Discounts Program Primary Physician Office Visit Specialist Office Visit Outpatient Services - Lab Outpatient Services - X-ray Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per calendar year.) Outpatient Physical/Occupational Therapy (30 combined visits per calendar year.) Outpatient Cognitive/Speech Therapy (30 combined visits per calendar year.) Durable Medical Equipment ($2,500 Calendar Year Maximum.) Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) Outpatient Surgery: Hospital Outpatient Facility Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility Emergency Room Network 30% after deductible $1,500 per member $3,000 family $3,000 per member $6,000 family Unlimited $0 copay, deductible waived $0 copay, deductible waived $100/24 month period Included $20 copay, deductible waived $40 copay, deductible waived $0 copay, deductible waived $40 copay, deductible waived 30%, deductible waived $10 copay, deductible waived $20 copay, deductible waived $20 copay, deductible waived 50%, deductible waived 30% after deductible 30% after deductible 30% after deductible 30%, deductible waived Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply $10/$40/$75 Retail or Mail Order: day supply $20/$80/$150 Optional Features: None See pages for Important Plan Provisions. 19

20 Cost-Sharing (Cs) - Open Access Managed Choice (Oa Mc) Plan Option Plan Options NJ OA MC CS * Member Benefits Network Non-Network 3 Member Coinsurance 20% after deductible 40% after deductible Calendar Year Deductible 1 Calendar Year Maximum Out-of-Pocket 2 $1,500 per member $3,000 family $5,000 per member $10,000 family $3,000 per member $6,000 family $10,000 individual $20,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply. $0 copay, deductible waived $750 max/benefit year through age 1, $500 max/benefit year for ages 2+. No deductible or coinsurance applies. Refer to plan documents for details. Routine Eye Exam (One exam per 24 months.) $0 copay, deductible waived Not Covered Glasses and Contact Lens Reimbursement $100/24 month period. Network and non-network combined. Aetna Vision SM Discounts Program Included Not Covered Primary Physician Office Visit $30 copay, deductible waived 40% after deductible Specialist Office Visit $50 copay, deductible waived 40% after deductible Outpatient Services - Lab $0 copay, deductible waived 40% after deductible Outpatient Services - X-ray $50 copay, deductible waived 40% after deductible Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per calendar year. Outpatient Physical/Occupational Therapy (30 combined visits per calendar year. Outpatient Cognitive/Speech Therapy (30 combined visits per calendar year. Durable Medical Equipment ($2,500 Calendar Year Maximum. Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) 20%, deductible waived 40% after deductible $10 copay, deductible waived 25% after deductible $20 copay, deductible waived 40% after deductible $20 copay, deductible waived 40% after deductible 50%, deductible waived 50% after deductible 20% after deductible 40% after deductible Outpatient Surgery: Hospital Outpatient Facility 20% after deductible 40% after deductible Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility 20% after deductible 40% after deductible. Maximum benefit of $2,000 per member per calendar year. Emergency Room 20%, deductible waived 20%, deductible waived Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply $10/$40/$75 50% Retail or Mail Order: day supply $20/$80/$150 50% Optional Features: None None See pages for Important Plan Provisions. 20

21 Traditional - Health Network Only (Hnonly) Plan Options Plan Options NJ HNOnly * NJ HNOnly * Member Benefits Network Network Member Coinsurance 0% 30% Calendar Year Deductible N/A N/A Calendar Year Maximum Out-of-Pocket 2 $5,000 per member $10,000 family $5,000 per member $10,000 family Lifetime Maximum Benefit Unlimited Unlimited Preventive Care Well Baby/Child/Adult Exams, Routine GYN Exams & Mammograms (Age and frequency schedules apply.) $0 copay $0 copay Routine Eye Exam (One exam per 24 months.) $0 copay $0 copay Glasses and Contact Lens Reimbursement $100/24 month period $100/24 month period Aetna Vision SM Discounts Program Included Included Primary Physician Office Visit $25 copay $30 copay Specialist Office Visit $50 copay $50 copay Outpatient Services - Lab $0 copay $0 copay Outpatient Services - X-ray $50 copay $50 copay Outpatient Complex Imaging (MRA/MRS, MRI, PET and CAT Scans) Chiropractic Services (30 visits per calendar year.) Outpatient Physical/Occupational Therapy (30 combined visits per calendar year.) Outpatient Cognitive/Speech Therapy (30 combined visits per calendar year.) Durable Medical Equipment ($2,500 Calendar Year Maximum.) Inpatient Hospital (Including Inpatient Mental Health and Substance Abuse) 30% 30% $10 copay $10 copay $20 copay $20 copay $20 copay $20 copay 50% 50% $500 copay per day, 5 day copay maximum per admission Outpatient Surgery: Hospital Outpatient Facility $500 copay 30% Outpatient Surgery: Ambulatory Surgical Center or Facility other than a Hospital Outpatient Facility 30% $250 copay 30% Emergency Room 30% 30% Prescription Drugs (Includes Specialty Care Drugs and 90 Day Transition of Coverage (TOC) for Prior Authorization + ) Prescription Drugs: 30-day supply RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 3: 50% Retail or Mail Order: day supply RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 3: 50% RX 1: $10/$40/$75 RX 2: $15/50% to a per script maximum of $125/50% to a per script maximum of $150 RX 3: 50% RX 1: $20/$80/$150 RX 2: $30/50% to a per script maximum of $250/50% to a per script maximum of $300 RX 3: 50% Optional Features: Referral Option: NJ HMO 2.2 Referral Option: NJ HMO 3.2 See pages for Important Plan Provisions. 21