Important. Why this Matters:

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1 Important What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can access the plan document via your employer's website or by calling for Aetna Member Services. Are there other deductibles for specific services? Is there an out-of-pocket limit on my expenses? What is not included in the out-of-pocket limit? Is there an overall annual limit on what the plan pays? Does this plan use a network of providers? Do I need a referral to see a specialist? Are there services this plan doesn't cover? Answers For each Calendar Year, In-network: Individual $1,500; Employee + Spouse/Child(ren) $3,000; Family $4,500. Out-of-network: Individual $3,250; Employee + Spouse/Child(ren) $6,500; Family $9,750. No. Yes, In-network: Individual $3,150; Employee + Spouse/Child(ren) $6,300; Family $9,450. Out-of-network: Individual $6,500; Employee + Spouse/Child(ren) $13,000; Family $19,500. Premiums, copays, balance-billed charges, penalties assessed for failure to obtain required pre-authorization for services, and health care this plan doesn t cover. No. Yes. For a list of in-network providers, see or call No. Yes. Why this Matters: You must pay all the costs up to the deductible amount before this plan begins to pay for covered services that are not payable by your plan at 100% or subject to a copay. Your deductible begins on January 1st and ends on December 31st each year. See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. You don t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers. The out-of-pocket limit is the most you could pay during the plan year for your share of the cost of covered services. There is one combined medical and prescription drug out-of-pocket maximum and should this limit be met, the plan will pay eligible medical and prescription drug costs at 100% for the remainder of the year. Even though you pay these expenses, they don t count toward the out-of-pocket limit. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, when applicable. If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use a provider not in th plan's network for some services. Plans use the terms in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Some of the services this plan doesn t cover are listed on page 6. See your policy or plan document for additional information about excluded services. Page 1 of 8

2 Coverage for: Individual + Employee Plus Child(ren) + Family Plan Type: POS Copayments are fixed dollar amounts payable at time of service. For example, $50 you pay for covered services at in-network urgent care If you visit a health care provider s office or clinic deductible has been met. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use in-network providers by charging you lower deductibles, copayments, and coinsurance amounts. Your Cost If You Use an Services You May Your Cost If You Use Out-Of-Network Limitations & Exceptions Need an In-Network Provider Provider Common Medical Event If you have a test Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200, assuming that the Primary care visit to treat an injury or illness Specialist visit Other practitioner office visit Preventive care/screening /immunization Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) No charge Applies to services of an Internist, General Physician, Family Practitioner, or Pediatrician. None Age and frequency schedules may apply. Page 2 of 8

3 If you need drugs to treat your illness or condition More information about prescription drug coverage is available at m Aetna Healthfund Aetna Choice POS II Coverage Period: 01/01/ /31/2015 Your Cost If You Use an Common Services You May Your Cost If You Use Out-Of-Network Medical Event Need an In-Network Provider Provider Limitations & Exceptions Generic drugs Retail 30 days: $10 copay Mail Order 90 days: $20.00 If you have outpatient surgery Preferred brand drugs Non-preferred brand drugs Specialty drugs Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room services Retail: copay ; $20 min and $50 max Mail order: ; $50 min and $125 max Retail: 50% coinsurance; $50 min and $100 max Mail order: 50% coinsurance; $125 min and $250 max Retail: $75 min and $125 max preferred brand/$100 20% min and coinsurance $150 max non- *Up to 90 day retail at 3 times 30 day cost or 90 day mail order supply at 2 times 30 day cost for generic drugs/2.5 times 30 day cost for brand drugs. *Certain medications require preauthorization or step therapy. *Disease Management for diabetes, hypertension, cholesterol - $5 generic/$10 brand copays for eligible medications and supplies at 30 day retail/$10 generic/$25 brand copays at 90 day mail order Available only through U.S. Specialty Care No coverage for non-emergency use. If you need immediate medical attention Emergency medical transportation Urgent care $50 copay If you have a hospital stay Facility fee (e.g., hospital room) Physician/surgeon fee Page 3 of 8

4 If you have mental health, behavioral health, or substance abuse needs Aetna Healthfund Aetna Choice POS II Coverage Period: 01/01/ /31/2015 Your Cost If You Use an Common Services You May Your Cost If You Use Out-Of-Network Limitations & Exceptions Medical Event Need an In-Network Provider Provider None If you are pregnant Mental/Behavioral health outpatient services Mental/Behavioral health inpatient services Substance use disorder outpatient services Substance use disorder inpatient services Delivery and all inpatient services Home health care Habilitation services If you need help Skilled nursing care recovering or have other special health needs Durable medical equipment Hospice service Prenatal and postnatal care Prenatal: No charge, Postnatal: Rehabilitation services If your child needs dental or eye care Eye exam Glasses Dental check-up Page 4 of 8

5 Excluded Services & Other Covered Services: Services Your Plan Does NOT Cover (This isn't a complete list. Check your policy or plan document for other excluded services.) Acupuncture Routine vision care (Pediatric/Adult) Non-emergency care when traveling outside Weight loss programs Eyeglasses & Lenses the U.S. Cosmetic surgery Hearing aids Habilitation service Dental care (except oral surgery or when the result of Routine foot care Long-term care an accident) Other Covered Services (This isn't a complete list. Check your policy or plan document for other covered services and your costs for these services.) Chiropractic care Bariatric surgery Infertility treatment- Diagnosis and treatment Private-duty nursing of underlying medical condition covered. Page 5 of 8

6 Your Rights to Continue Coverage: If you lose coverage under the plan, Federal and State laws may provide protections that allow you to keep health coverage, depending upon the circumstances. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue coverage may also apply. For more information on your rights to continue coverage, contact your HR Benefits Office. You may also contact the plan at ; or your state insurance department; or the U.S. Department of Labor, Employee Benefits Security Administration at or or the U.S. Department of Health and Human Services at x61565 or Your Grievance and Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact: Aetna at , the Department of Labor s Employee Benefits Security Administration at EBSA (3272) or Additionally, a consumer assistance program can help you file an appeal. Contact information is at Does this Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage". This plan or policy does provide minimum essential coverage. Does this Coverage Provide Minimum Value Standard? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. This health coverage does meet the minimum value standard for the benefits it provides. Language Access Services: Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 如 果 需 要 中 文 的 帮 助, 请 拨 打 这 个 号 码 Para obtener asistencia en Español, llame al To see examples of how this plan might cover costs for a sample medical situation, see the next page. Page 6 of 8

7 Coverage Examples HRA POLK COUNTY About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might receive. Similar examples are provided under each plan option for comparison. Sample care costs: Hospital charges (mother) Routine obstetric care Hospital charges (baby) Anesthesia Laboratory tests Prescriptions Radiology Vaccines, other preventive Total Patient pays: Deductibles Copays Coinsurance Limits or exclusions Total Having a baby (normal delivery) Amount owed to providers: $ 7,540 Plan pays: $ 4,817 Patient pays: $ 2,723 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: Plan pays: $ 3,072 Patient pays: $ 2,328 $ 5,400 Sample care costs: $ 2,700 Prescriptions $ 2,900 $ 2,100 Medical Equipment and Supplies $ 1,300 $ 900 Office Visits and Procedures $ 700 $ 900 Education $ 300 $ 500 Laboratory tests $ 100 $ 200 Vaccines, other preventive $ 100 $ 200 Total $ 5,400 $ 40 $ 7,540 Patient pays: Deductibles $ 1,500 Copays $ 60 $ 1,500 Coinsurance $ 750 $ 10 Limits or exclusions $ 18 $ 1,178 Total $ 2,328 $ 35 Note: Your prescription drug benefit is $ 2,723 administered through WellDyneRx. Page 7 of 8

8 Coverage Examples HRA POLK COUNTY Questions and answers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? Costs don t include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular geographic area or health plan. The patient's condition was not an excluded or preexisting condition. All services and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from in-network providers. If the patient had received care from outof-network providers, costs would have been higher. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor s advice, your age, how serious your condition is, and many other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You can t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows. Can I use Coverage Examples to compare plans? Yes. When you look at the Summary of Benefits and Coverage for other plans, you ll find the same Coverage Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverage the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. Page 8 of 8