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Aetna

                                                               HMO 20                         HMO 30
                                                            Value Network                 Value Network
                                                                 GOLD                          GOLD
                                                           (prev: SELECT 30)             (prev: SELECT 40)

             Annual Deductible                                   None                          None

                                                             $20 ‐ Primary                 $30 ‐ Primary
             Office Visit
                                                            $60 ‐ Specialist               $60 ‐ Specialist

                                                           $4,500 ‐ Individual           $5,000 ‐ Individual
             Out‐Of‐Pocket Max.
                                                            $9,000 ‐ Family               $10,000 ‐ Family


             RX (Pharmacy Drug) 1,2,3,4                    $20/$50/$50/30%               $20/$50/$50/30%

                                                          $250 deductible on             $250 deductible on

             Separate Deductible may apply                 other than tier 1 ‐           other than tier 1 ‐
                                                                Genetic                       Genetic

             Inpatient Hospital Charges                       $750/admit                  $500/day‐3 days



             Outpatient Medical Services                         $600                          $600


             Test ‐ Lab / X‐Ray / Imaging                   $20 / $60 / $250              $30 / $60 / $250
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