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Benefits





         Medical Insurance



                                                           Kaiser Permanente                     Aetna
                                                                 HMO                              HMO

         Network Name                                      Kaiser Facili es Only                  HMO
         Health Benefits

         Life me Maximum Benefit                                 Unlimited                       Unlimited

         Deduc ble (Annual)
          - Individual                                             $0                              $0
          - Family                                                 $0                              $0

         Co-Insurance (Plan Pays)                                 100%                            100%
         Office Visit Copay
          - Primary Care Physician                             $25 Copay                        $25 Copay
          - Specialist Office Visit                              $40 Copay                        $30 Copay
         Out-of-Pocket Maximum
          - Individual                                           $1,500                           $1,500
          - Family                                               $3,000                           $3,000

         Hospitaliza on
          - Inpa ent                                              100%                            100%
          - Outpa ent                                          $40 Copay                          100%
         Lab and X-Ray
          - Diagnos c                                             100%                            100%
          - Complex                                               100%                          $100 Copay
         Emergency Services                                    $50 Copay                        $100 Copay
         Urgent Care                                           $25 Copay                        $20 Copay

         Preven ve Care                                           100%                            100%
         Chiroprac c                                           Not Covered                      $20 Copay
                                                                                               20 Visits/Year
         Pharmacy Benefits

         Retail Pharmacy
          - Generic Formulary                                  $15 Copay                        $15 Copay
          - Brand Name Formulary                               $35 Copay                        $35 Copay
          - Non-Formulary                                                                       $50 Copay
          - Supply Limit                                         30 Days                         30 Days

         Mail Order Pharmacy
          - Generic Formulary                                  $30 Copay                        $30 Copay
          - Brand Name Formulary                               $70 Copay                        $70 Copay
          - Non-Formulary                                                                       $100 Copay
          - Supply Limit                                        100 Days                         90 Days







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