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BENEFITS





         MEDICAL INSURANCE

                                                   Aetna                               Aetna PPO
         Plan Name                             HMO Full Plan                            PPO Plan
                                                  AZ Only                           CA & Out-of-State

         Network Name                               Full                    Open Access            Non-Network
                                                                       Managed Choice (OAMC)
         Health Benefits
         Lifetime Maximum                         Unlimited                              Unlimited

         Deductible (Annual)
          - Individual                               $0                        $500                   $1,000
          - Family                                   $0                       $1,000                  $2,000
         Co-Insurance (Plan Pays)                   100%                       80%                     60%
         Office Visit Copay
          - Primary Care Physician                $25 Copay                  $20 Copay            Deductible, 40%
          - Specialist Office Visit               $50 Copay                  $20 Copay            Deductible, 40%
          - Teladoc                               $50 Copay                  $20 Copay                 N/A
         Out-of-Pocket Maximum
          - Individual                             $2,500                     $2,000                  $4,000
          - Family                                 $5,000                     $4,000                  $8,000

         Hospitalization
          - Inpatient                            $750 Copay                Deductible, 20%        Deductible, 40%
          - Outpatient                           $200 Copay                Deductible, 20%        Deductible, 40%
         Lab and X-Ray                              100%                   Deductible, 20%        Deductible, 40%
          - Complex Imaging                      $150 Copay                Deductible, 20%        Deductible, 40%
         Emergency Services                      $150 Copay                           $150 Copay, 20%
         Urgent Care                              $35 Copay                  $35 Copay            Deductible, 40%
         Preventive Care                            100%                       100%               Deductible, 40%

         Chiropractic                             $15 Copay                  $20 Copay            Deductible, 40%
                                                20 Visits/Year                         20 Visits/Year

           Pharmacy Benefits - Aetna Value Plus Open Formulary
         Retail Pharmacy
          - Generic Formulary                     $10 Copay                  $10 Copay              Not Covered
          - Brand Name Formulary                  $30 Copay                  $40 Copay              Not Covered
          - Non-Formulary                         $50 Copay                  $60 Copay              Not Covered
          - Preferred & Non-Preferred Specialty Drugs   20% up to $200     20% up to $200              N/A
          - Supply Limit                           30 Days                    30 Days                  N/A
         Mail Order Pharmacy
          - Generic Formulary                     $20 Copay                  $20 Copay                 N/A
          - Brand Name Formulary                  $60 Copay                  $80 Copay                 N/A
          - Non-Formulary                        $100 Copay                 $120 Copay                 N/A
          - Supply Limit                           90 Days                    90 Days                  N/A






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