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MEDICAL INSURANCE






                                                  KAISER PERMANENTE                            AETNA
                                                            HMO                                 HMO




             NETWORK NAME                              Kaiser Permanente                         HMO
             HEALTH BENEFITS
             Lifetime Maximum                              Unlimited                           Unlimited
             Annual Deductible
             •  Individual                                   None                                None
             •  Family                                       None                                None
             Coinsurance (You Pay)                            N/A                                N/A
             Physician Office Visit
             •  PCP                                        $20 Copay                          $20 Copay
             •  Specialist                                 $20 Copay                          $25 Copay
             Out-of-Pocket Maximum
             •  Individual                                  $1,500                              $1,500
             •  Family (Ind Protection)                 $3,000 ($1,500)                     $3,000 ($1,500)
             Hospitalization
             •  Inpatient                                 $500 Copay                          $500 Copay
             •  Outpatient Surgery                        $100 Copay                          $200 Copay
             Laboratory & X-Ray
             •  Diagnostic                                 $10 Copay                             100%
             •  Complex                                    $50 Copay                          $100 Copay
             Emergency Services                           $100 Copay                          $100 Copay
             Urgent Care                                   $20 Copay                          $35 Copay
             Preventive Care                                No Cost                             No Cost
             Chiropractic & Acupuncture                    $10 Copay                           $15 Copay
                                                         40 Visits/Year                      20 Visits/Year
             PHARMACY BENEFITS
             Annual Deductible                               None                                None
             Retail Pharmacy
             •  Generic                                    $15 Copay                           $15 Copay
             •  Brand Formulary                            $35 Copay                          $25 Copay
             •  Non-Formulary                                 N/A                             $40 Copay
             •  Supply Limit                                30 Days                             30 Days
             Mail Order Pharmacy*
             •  Generic                                    $30 Copay                          $30 Copay
             •  Brand Formulary                            $70 Copay                          $50 Copay
             •  Non-Formulary                                 N/A                             $80 Copay
             •  Supply Limit                               100 Days                             90 Days


            *Mail Order Pharmacy is a program where you can order 3 months of your maintenance medication to be delivered
            to your home at a discounted price.

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