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BENEFITS





         Medical Insurance




         Plan Name                                                             Aetna HMO


         Network Name                                                    Aetna Value Network (AVN)
         Health Benefits

         Life me Maximum Benefit                                                  Unlimited

         Deduc ble (Annual)
          ‐ Individual                                                            $1,000
          ‐ Family                                                                $2,000


         Office Visit Copay
          ‐ Primary Care Physician                                              $30 Copay
          ‐ Specialist Office Visit                                               $50 Copay


         Out‐of‐Pocket Maximum
          ‐ Individual                                                            $4,000
          ‐ Family                                                                $8,000


         Hospitaliza on
          ‐ Inpa ent                                                          Deduc ble, 30%
          ‐ Outpa ent                                                         Deduc ble, 30%


         Emergency Services                                                   Deduc ble, $150

         Ambulance Services (Emergency)                                         $150 Copay

         Urgent Care                                                            $50 Copay

         Preven ve Care                                                         No Charge
         Pharmacy Benefits                                             Rx Deduc ble $150 Ind /$300 Fam

         Retail Pharmacy
          ‐ Preferred Generic Rx                                                $10 Copay
          ‐ Preferred Brand‐Name Rx                                        Deduc ble, $40 Copay
          ‐ Non‐Preferred Rx                                               Deduc ble, $60 Copay
          ‐ Value Plus Specialty Rx                                    Deduc ble, 30% Max $250 Copay
          ‐ Supply Limit                                                         30 Days

         Mail Order Pharmacy
          ‐ Preferred Generic Rx                                                $20 Copay
          ‐ Preferred Brand‐Name Rx                                        Deduc ble, $80 Copay
          ‐ Non‐Preferred Rx                                               Deduc ble, $120 Copay
          ‐ Value Plus Specialty Rx                                    Deduc ble, 30% Max $250 Copay
          ‐ Supply Limit                                                         90 Days





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