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HIGH-LEVEL PLAN SUMMARY AND YOUR ASSOCIATED COSTS


                                                              UTAH: CIGNA PPO HDHP WITH HSA
                                                          OTHER STATES: CIGNA OAP HDHP WITH HSA
                                                          In-Network                      Out-of-Network
             ANNUAL DEDUCTIBLE
             Individual                                     $2,800                           $5,600
             Family                                        $5,400                            $10,800
             ANNUAL OUT-OF-POCKET MAXIMUM (INCLUDES DEDUCTIBLE)

             Individual                                     $3,700                           $13,300
             Family                                         $7,400                           $26,600
             Lifetime Max                                 Unlimited                         Unlimited
                                                                           YOU PAY
             COINSURANCE/COPAYS
             Coinsurance                                    10%*                              30%*
             Office Visit                                   10%*                              30%*
             Preventive Exams
             Routine office visits, immunizations, diagnostic X-ray   $0 (Deductible waived)  30%*
             and lab
             Maternity
             •  Office Visits                    Plan pays 100% of physician fees             30%*
             •  All other maternity services                10%*                              30%*
             Physical Therapy & Chiropractic                10%*                              30%*
             See plan summaries for limits
             Outpatient Standard Lab, X-Ray                 10%*                              30%*
             MRI, CAT, PETscan                              10%*                              30%*
             In-Patient Hospital                            10%*                              30%*
             Outpatient Surgery                             10%*                              30%*
             Urgent Care (Physician Services)               10%*                              30%*
             Emergency Room
             Notification is required if confined in a      10%*                              10%*
             Non-Network Hospital
             RETAIL RX (UP TO 30-DAY SUPPLY)

             Generic                                      $10 copay*
             Brand Preferred                              $30 copay*                       Not covered
             Brand Non-Preferred                          $50 copay*
             MAIL ORDER RX (UP TO 90-DAY SUPPLY)
             Generic                                      $25 copay*
             Brand Preferred                              $75 copay*                       Not covered
             Brand Non-Preferred                          $125 copay*
             * After deductible
             Note: A more detailed summary of coverage is available in the Workday Benefits Mall.
             This is a partial summary of benefits only. The Summary Plan Description (SPD) contains a complete detail of benefits, limitations and exclusion.
             The SPD also describes grievance procedures for disputes. We strongly encourage you to review the SPD before applying for coverage. You may
             obtain a copy from the People Team.



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