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Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
Health Insurance Brochure
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Health Insurance Brochure

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Sure Insurance is an independent health insurance agency specializing in helping you find affordable health insurance. Whether you are uninsured or looking to save money on your health and/or dental …

Sure Insurance is an independent health insurance agency specializing in helping you find affordable health insurance. Whether you are uninsured or looking to save money on your health and/or dental plan, we can help. Plans include individual, family, and business group health insurance. Please call for fast, no obligation quotes from leading carriers.

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  • 1. Take charge of your health. We’re here to help. Aetna Advantage plans for individuals, families and the self-employed Texas A guide to understanding your choices and selecting a quality health insurance plan. Inventory Code (7/08) AA.02.305.1-TX 02.02.300.1 (8/05)
  • 2. Aetna makes it easy for a health insurance plan They say that nothing More reasons to is more important like Aetna Contents than your health. So why else should you choose an Aetna health insurance plan? Here And they’re right. That’s what makes How to use this booklet 1 are more good reasons: health insurance such an essential part Aetna’s Texas of your life — even if you’re not on an n You can visit most any licensed doctor service areas 2 employer’s group insurance plan. In fact, or hospital you choose. Your out-of- especially if you’re not on a group plan, pocket costs will be lower in Aetna’s Here are your plan choices 3 you’ve got to take charge of your health... network of participating physicians and your health insurance needs. and hospitals. How to select a plan 4 At Aetna, we offer a variety of quality n You can visit your doctor’s office as Plan comparison charts 5 often as you like. Advantage individual health insurance Programs to plans for Texas. Count on us to guide you n You don’t need a doctor’s referral to help you be well 11 through the process and help you choose see a specialist. the right plan for your personal needs. There’s no waiting period to enjoy Things you need n preventive care. to know to apply 12 Limitations and exclusions 13 Why Aetna? n Your children’s immunizations are covered. When you choose Aetna as your health n There’s no deductible for insurance provider, you’re gaining a lot of well-women exams when you advantages. Among them: visit a network provider. Easy to understand. Yes, insurance can be simple! We provide you with straightforward language and easy-to-understand benefits. Easy to choose. We’ll help you select from plans designed to fit your personal situation. Aetna’s nationwide provider network offers you a vast selection of physicians and hospitals. Easy to afford. Since we offer so many Have questions? benefit package options, you can choose how Just e-mail AetnaAdvantagePlans@ much to spend in premiums versus Aetna Advantage Plans for individuals, aetna.com or call 1-800-MY-Health out-of-pocket expenses. families and the self-employed are (1-800-694-3258). We’re here to help! underwritten by Aetna Life Insurance Easy to manage. Use our easy-to-use Company (Aetna) directly and/or Web-based tools to get valuable health Want a quote now? through an out-of-state blanket trust. and benefits-related information, quickly find Aetna network physicians in your Visit www.aetnaindividual.com or call In some states, individuals may qualify area, and manage your account — 1-800-MY-Health (1-800-694-3258). as a business group of one and may right online! be eligible for guaranteed issue, small group health plans.
  • 3. you to choose How to use this booklet 1. Review the descriptions of all Aetna’s It’s easy to get Advantage plans for Texas, on page 3. When we say we’re going to make health a quote and apply 2. Get some tips on plans that may insurance easy for you, we mean it. Here best match up with your situation Once you’ve narrowed down to a plan are the steps you might want to take as and priorities, on page 4. (or plans), we make it easy to get a quote you read this booklet: and apply for a policy, either online or 3. Review each plan’s specific features by mail. in the charts beginning on page 5. 4. If you have questions, would like Online: to discuss your own unique situation, 1. Visit www.aetnaindividual.com. or want a rate quote, just e-mail us 2. Choose your state. at AetnaAdvantagePlans@Aetna.com or call 1-800-694-3258. 3. Use the helpful information and tools to choose the best plan for you. 4. Click “Get A Quote.” 5. Apply online and submit an electronic form of payment. (Or mail the enclosed application with one form of payment selected.) 6. Track the status of your application by clicking the site’s Apps tab. By Mail: Simply complete and mail the enclosed application, in the envelope provided, with one form of payment selected. Want a quote now? Visit www.aetnaindividual.com or call 1-800-MY-Health (1-800-694-3258). 1-800-MY Health | www.aetnaindividual.com 1
  • 4. AreA 1 Aetna’s Texas service areas* Blanco Frio Kinney Real Bosque Gillespie La Salle Refugio Brazos Goliad Lavaca Robertson Brooks Gonzales Llano (except San Saba Brown Hamilton Horseshoe Bay) Taylor Burleson Jim Hogg Madison Uvalde Your rates will depend on the area in which Coleman Jones Mason Washington Comanche Karnes Maverick McMullen Webb your county is located. De Witt Kenedy Zapata Dimmit Kerr Milam Zavala Edwards Kimble Mills AreA 2 Ector Lubbock Midland Wichita Jasper McLennan Tom Green (Brookeland) AreA 3 Aransas Deaf Smith Jim Wells Roberts Armstrong Donley Kleberg San Patricio Bee Duval Lipscomb Sherman Briscoe Gray Live Oak Starr Calhoun Hall Moore Swisher Cameron Hansford Nueces Victoria Carson Hartley Ochiltree Wheeler Castro Hemphill Oldham Willacy Childress Hidalgo Parmer Collingsworth Hutchinson Potter Dallam Jackson Randall AreA 4 Anderson Eastland King Sabine Andrews Falls Knox San Augustine Angelina Fisher Lamb Schleicher Archer Floyd Leon Scurry Bailey Foard Limestone Shackelford Baylor Gaines Loving Shelby Borden Garza Lynn Stephens Bowie Glasscock Martin Sterling Brewster Hale McCulloch Stonewall Callahan Hardeman Menard Sutton Cass Haskell Mitchell Terrell Clay Henderson Motley Terry Cochran (except Nacogdoches Throckmorton Coke Mabank) Nolan Trinity Concho Hockley Panola Upton Cottle Houston Pecos Val Verde Crane Howard Polk Ward Crockett Hudspeth Presidio Wilbarger Crosby Irion Reagan Winkler Culberson Jack Reeves Yoakum Dawson Jeff Davis Runnels Young Dickens Kent Rusk Products Offered AreA 5** Areas 1-5 and 7 Areas 6, 8 and 9 Camp Franklin Johnson Red River Preferred Provider Benefit Plan (PPO) 30 Managed Choice Open Access 30 Cherokee Freestone Kaufman Rockwall Collin Grayson Lamar Smith Preferred Provider Benefit Plan (PPO) 40 Managed Choice Open Access 40 Cooke Gregg Marion Somervell Preferred Provider Benefit Plan (PPO) 2500 Managed Choice Open Access 2500 Dallas Harrison Montague Tarrant Preferred Provider Benefit Plan (PPO) 5000 Managed Choice Open Access 5000 Delta Henderson Morris Titus Preferred Provider Benefit Plan (PPO) Value 1500 Managed Choice Open Access Value 1500 Denton (Mabank) Navarro Upshur Hill Preferred Provider Benefit Plan (PPO) Value 2500 Managed Choice Open Access Value 2500 Ellis Palo Pinto Van Zandt Erath Hood Parker Wise Preferred Provider Benefit Plan (PPO) Value 5000 Managed Choice Open Access Value 5000 Fannin Hopkins Rains Wood Preferred Provider Benefit Plan (PPO) Managed Choice Open Access Hunt High Deductible 3000 (HSA) High Deductible 3000 (HSA) Preferred Provider Benefit Plan (PPO) Managed Choice Open Access AreA 6** High Deductible 5000 (HSA) High Deductible 5000 (HSA) Austin Grimes Liberty Tyler Preventative and Hospital Care 1250 Preventative and Hospital Care 1250 Brazoria Hardin Matagorda Walker Preventative and Hospital Care 3000 (HSA) Preventative and Hospital Care 3000 (HSA) Chambers Harris Montgomery Waller Colorado Jasper (except Newton Wharton Fort Bend Brookeland) Orange Galveston Jefferson San Jacinto AreA 7** * All products not available in all counties. Please refer to the county in which you reside for the available product. Atascosa Bexar Guadalupe Medina Bandera Comal Kendall Wilson ** The Aetna Performance Network® features Aexcel-designated specialists who have demonstrated cost-effectiveness in the delivery of care and met certain clinical performance measures. The Aexcel designation applies to select specialists in 12 specialty areas: Cardiology, AreA 8** Cardiothoracic Surgery, Gastroenterology, General Surgery, Obstetrics and Gynecology, Bastrop Coryell Lee Travis Orthopedics, Otolaryngology/ENT, Neurology, Neurosurgery, Plastic Surgery, Urology, Bell Fayette Llano Williamson Burnet Hays (Horseshoe Bay) and Vascular Surgery. Aetna members in the designated counties must choose Aexcel- Caldwell Lampasas designated specialists or they will incur out-of-network charges. There is no additional cost when members use Aexcel specialists. You’ll find them by looking for the star next to the AreA 9 doctors’ names at www.aetna.com/docfind/custom/advplans or in your printed directory. El Paso 2 1-800-MY Health | www.aetnaindividual.com
  • 5. Discover the advantages of your Aetna Advantage plan choices For specifics on these health insurance plans, see the charts beginning on page 5. All Managed Choice Open Access and Preferred Provider Looking for a Benefit Plan (PPO) Plans, MC* and PPO** Value Plans, MC* lower cost plan? and PPO** High Deductible Plans, and MC* and PPO** Our Preventative and First Dollar Plans include: Hospital Care plans include: n isit most any licensed doctor or hospital you choose. Your out-of-pocket costs will V n Preventive care be lower in Aetna’s nationwide network of participating physicians and hospitals. n Annual GYN exams n Unlimited office visits to your primary care physician and specialists (copays, (annual Pap/Mammogram) deductibles, & coinsurance apply to MC* and PPO** Value plans) n Well-child care n No claim forms to fill out when you visit a network provider (includes immunizations) n No referrals required to see a specialist n Routine physical exams n No waiting period to access preventive health (routine physicals) n Coverage for: inpatient hospital care, n 100% annual routine GYN exam coverage — no waiting period, no dollar outpatient surgery, skilled nursing or maximum, and no copay or deductible when you visit a network provider home health care in lieu of a hospital stay. n Coverage for prescription drugs n outine physicals include lab work and X-rays R Add Participating Dental n 100% coverage on in-network childhood immunizations Network (PDN) Max Plan MC* and PPO** MC* and PPO** MC* and PPO** With the Aetna Advantage Dental PDN Max Value Plans First Dollar Plans High Deductible Plans insurance plan, you can obtain services from Lower monthly premiums n Freedom from deductibles n (HSA Compatible) either a participating or non-participating (that’s the “Value” part). when you choose an 100% coverage in network n dentist. Participating dentists have agreed Nominal copay for first n Aetna medical provider. after your deductible is met to provide services at a negotiated rate two doctor’s office visits; Lower copay for n Lower monthly premiums, n for both covered services, as well as non- deductible and coinsurance in-network provider visits. Higher annual deductibles covered services such as cosmetic tooth apply for 3 or more. No deductible for generic n (at least $3,000 for individuals and $6,000 whitening and orthodontic care, so you No deductible for generic n prescription drugs. for families). generally pay less out-of-pocket. You also prescription drugs. Can be paired with a n have the flexibility to visit a dentist who does * Managed Choice Open Access tax-advantaged Health not participate in Aetna’s network, though ** Participating Provider Benefits Plan Savings Account (HSA). you will not benefit from negotiated fees. Dental is offered only if medical coverage is obtained About HSAs… A Health Savings Account, or HSA, is a personal account that lets you pay for qualified medical Want to cover your expenses with tax-advantaged funds. You or an eligible family member make contributions to your children only? HSA tax-free, and those dollars earn interest tax-free. Then, when you make withdrawals from All Aetna Advantage plans are available for your account to pay for qualified health care expenses, they’re tax-free, too. children only, which means you can enroll To establish a Why Choose an Aetna HealthFund HSA? your child even if no other family member Health Savings Account… n No set-up fees enrolls. Coverage includes immunizations, First enroll in an Aetna HSA-compatible n No monthly administration fee well-child visits, emergency room and dental High Deductible Health Plan. Then n No withdrawal forms required preventive services (if dental is selected). request HSA enrollment materials by Note: when an HSA Compatible plan is Convenient access to HSA funds via n calling 1-800-694-3258 or visiting selected for child only enrollment, an HSA debit card or checkbook www.aetnaindividualhsa.com to account is not available for the child. n Track HSA activity through Aetna NavigatorTM view and download the materials. The HSA Investment Account allows you a number of different ways to invest for the future, complementing the interest earning HSA Cash Account. 3
  • 6. How to select a health insurance plan that fits your needs Perhaps you’ve just left an employer’s group plan. Or you’re looking for an option other than COBRA. Or you’re not currently insured. Or maybe you’ve IF YOu … CON SID er… just received another big rate increase from another insurer and you’re looking Are looking for an affordable policy MC*/PPO** 5000, High Deductible 5000, for something more affordable. with lower monthly payments… Preventative and Hospital Care 1250 & 3000, MC*/PPO** Value 5000 Whatever your situation, at Aetna, we’re here to help. Let us offer a few tips to use only basic health care services MC*/PPO** 5000, MC*/PPO** Value help you choose the right plan for your and want to keep lower monthly 5000 Preventative and Hospital Care 1250 unique situation and priorities. This chart payments… & 3000 may be a good starting point for you… Don’t want to pay a lot for frequent First Dollar 30, MC*/PPO** 2500 doctor visits for you and the kids… Want a balance of lower monthly MC*/PPO** 2500, MC*/PPO** Value 2500 payments and quality coverage… Want to cap the amount you’ll spend MC*/PPO** 2500, MC*/PPO** Value on total medical expenses each year… 1500, and MC*/PPO** Value 2500 Want a plan that works with a tax- MC*/PPO** High Deductible 3000 & advantaged Health Savings Account 5000, Preventative and Hospital Care 3000 Think that robust coverage is more First Dollar 30, First Dollar 40 and important than the lowest possible cost… MC*/PPO** Value 1500 * Managed Choice Open Access ** Participating Provider Benefits Plan Is your doctor in the Aetna network? Which local physicians, hospitals, pharmacies and eyewear providers participate in the Aetna Advantage Plan network? Visit www.aetna.com/ docfind/custom/advplans. Or call 1-800-694-3258 and ask for a directory of providers. 4
  • 7. FIrST DOLLAr PLAN OPTIONS Managed Choice Open Access & Managed Choice Open Access & Participating Provider Benefits Participating Provider Benefits Plan (PPO) 30 Plan (PPO) 40 Deductible Individual $0 $5,000 $0 $7,000 Family $0 $10,000 $0 $14,000 Coinsurance 30% up to 50% up to 40% up to 50% up to (Member’s responsibility) out-of-pocket max. out-of-pocket max. out-of-pocket max. out-of-pocket max. $0 once out-of-pocket max. is satisfied $0 once out-of-pocket max. is satisfied Coinsurance Maximum Individual $7,500 $7,500 $12,500 $5,500 Family $15,000 $15,000 $25,000 $11,000 Out-of-Pocket Maximum Individual $7,500 $12,500 $12,500 $12,500 Family $15,000 $25,000 $25,000 $25,000 Includes Includes deductible deductible A few things Lifetime Maximum* per insured $5,000,000 $5,000,000 $5,000,000 $5,000,000 to keep in mind Non-Specialist Office Visit $30 copay 30% $40 copay 30% Unlimited visits after deductible after deductible General Physician, Family n Generally speaking, the lower your Practitioner, Pediatrician or Internist “premiums,” or monthly payments, Specialist Visit $40 copay 30% $50 copay 30% Unlimited visits after deductible after deductible the higher your “deductible,” which Hospital Admission 30% 50% 40% 50% is the amount you pay out of pocket after deductible after deductible before the plan begins paying for Outpatient Surgery 30% 50% 40% 50% after deductible after deductible expenses. (Lower premiums also urgent Care Facility $50 copay 50% $50 copay 50% mean a higher “copay,” which is after deductible after deductible the amount you pay out-of-pocket emergency room $100 copay** (waived if admitted) $100 copay** (waived if admitted) at doctor visits, hospital stays, etc.) 30% coinsurance 40% coinsurance Annual routine Gyn exam $0 copay 30% $0 copay 30% n The lower your deductible (some plans No waiting period, after deductible after deductible no calendar year max. have no deductible at all, which means Annual Pap/Mammogram they begin paying immediately), the Maternity Not covered Not covered higher your monthly premiums will be. Except for pregnancy complications Except for pregnancy complications Preventive Health — $30 copay 30% $40 copay 30% n You’ll pay less by using “in-network” routine Physical after deductible after deductible Aetna will pay up to $200 per exam Includes lab work and X-rays Includes lab work and X-rays doctors, hospitals, pharmacies No waiting period and other health care providers Lab/X-ray 30% 50% 40% 50% who participate in Aetna’s vast after deductible after deductible Skilled Nursing — 30% 50% 40% 50% nationwide network than by using in lieu of hospital after deductible after deductible “out-of-network” doctors. 30 days per calendar year* Physical/Occupational Therapy 30% 50% 40% 50% n Visit www.planforyourhealth.com and Chiropractic Care after deductible after deductible for an in-depth list of terms in this 24 visits per calendar year* Aetna will pay a max. of $25 per visit Aetna will pay a max. of $25 per visit brochure and what they mean. Home Health Care — 30% 50% 40% 50% in lieu of hospital after deductible after deductible 30 visits per calendar year* Durable Medical equipment 30% 50% 40% 50% Aetna will pay up to $2000 per after deductible after deductible calendar year* PHArMACY Pharmacy Deductible $500 $500 Not Applicable Not Applicable per individual Does not apply to generic Generic $15 copay $15 copay plus $20 copay $20 copay Oral Contraceptives Included deductible waived 30% deductible plus 30% waived Preferred Brand $40 copay $40 copay Not Covered Not Covered Oral Contraceptives Included after deductible plus 30% after Aetna Discount deductible Applies Non-Preferred Brand $60 copay $60 copay Not Covered Not Covered Oral Contraceptives Included after deductible plus 30% after Aetna Discount deductible Applies Calendar Year Maximum Unlimited Unlimited Unlimited Unlimited per individual* * Maximum applies to combined in and out-of-network benefits. ** Copay is billed separately and not due at time of service. Copay does not count towards coinsurance or out-of- pocket maximum. + Payment for out-of-network facility covered expenses is determined based on Aetna’s Market Fee Schedule. Payment for out-of-network non-facility covered expenses is determined based on the negotiated charge that would apply if such services were received from a Network Provider. 5
  • 8. MANAGeD CHOICe OPeN ACCeSS & PArTICIPATING PrOVIDer BeNeFITS PLAN (PPO) PLAN OPTIONS Managed Choice Open Access & Managed Choice Open Access & Participating Provider Benefits Plan Participating Provider Benefits Plan (PPO) 2500 (PPO) 5000 MeMBer BeNeFITS In-Network Out-of-Network+ In-Network Out-of-Network+ Deductible Individual $2,500 $5,000 $5,000 $10,000 Family $5,000 $10,000 $10,000 $20,000 Coinsurance 20% after 50% after 20% after 50% after (Member’s responsibility) deductible up to deductible up to deductible up to deductible up to out-of-pocket max. out-of-pocket max. out-of-pocket max. out-of-pocket max. $0 once out-of-pocket max. is satisfied $0 once out-of-pocket max. is satisfied Coinsurance Maximum Individual $2,500 $5,000 $5,000 $2,500 Family $5,000 $10,000 $10,000 $5,000 Out-of-Pocket Maximum Individual $5,000 $10,000 $10,000 $12,500 Family $10,000 $20,000 $20,000 $25,000 Includes deductible Includes deductible Lifetime Maximum* $5,000,000 $5,000,000 $5,000,000 $5,000,000 per insured Non-Specialist Office Visit $30 copay 30% $40 copay 30% Unlimited visits deductible waived after deductible deductible waived after deductible General Physician, Family Practitioner, Pediatrician or Internist Specialist Visit $40 copay 30% $50 copay 30% Unlimited visits deductible waived after deductible deductible waived after deductible Hospital Admission 20% 50% 20% 50% after deductible after deductible after deductible after deductible Outpatient Surgery 20% 50% 20% 50% after deductible after deductible after deductible after deductible urgent Care Facility $50 copay 50% $50 copay 50% deductible waived after deductible deductible waived after deductible emergency room $100 copay** (waived if admitted) $100 copay** (waived if admitted) 20% coinsurance after deductible 20% coinsurance after deductible Annual routine Gyn exam $0 copay 30% $0 copay 30% No waiting period,no calendar year max. deductible waived after deductible deductible waived after deductible Annual Pap/Mammogram Maternity Not covered Not covered Except for pregnancy complications Except for pregnancy complications Preventive Health — $30 copay 30% $40 copay 30% routine Physical deductible waived after deductible deductible waived after deductible Aetna will pay up to $200 per exam Includes lab work and X-rays Includes lab work and X-rays No waiting period Lab/X-ray 20% 50% 20% 50% after deductible after deductible after deductible after deductible Skilled Nursing — 20% 50% 20% 50% in lieu of hospital after deductible after deductible after deductible after deductible 30 days per calendar year* Physical/Occupational Therapy and Chiropractic Care 20% 50% 20% 50% 24 visits per calendar year* after deductible after deductible after deductible after deductible Aetna will pay a max. of $25 per visit Aetna will pay a max. of $25 per visit Home Health Care — 20% 50% 20% 50% in lieu of hospital after deductible after deductible after deductible after deductible 30 visits per calendar year* Durable Medical equipment 20% 50% 20% 50% Aetna will pay up to $2,000 per calendar year* after deductible after deductible after deductible after deductible PHArMACY Pharmacy Deductible $500 $500 $500 $500 per individual Does not apply to generic Does not apply to generic Generic $15 copay $15 copay plus $15 copay $15 copay plus Oral Contraceptives Included deductible waived 30% deductible waived deductible waived 30% deductible waived Preferred Brand $35 copay $35 copay plus 30% $35 copay $35 copay plus 30% Oral Contraceptives Included after deductible after deductible after deductible after deductible Non-Preferred Brand $50 copay $50 copay plus 30% $50 copay $50 copay plus 30% Oral Contraceptives Included after deductible after deductible after deductible after deductible Calendar Year Maximum per individual* $5,000 $5,000 $5,000 $5,000 6 1-800-MY Health | www.aetnaindividual.com
  • 9. MANAGeD CHOICe OPeN ACCeSS & PArTICIPATING PrOVIDer BeNeFITS PLAN (PPO) HIGH DeDuCTIBLe PLAN OPTIONS Managed Choice Open Access & Participating Managed Choice Open Access & Participating Provider Benefits Plan (PPO) High Provider Benefits Plan (PPO) High Deductible 3000 (HSA Compatible) Deductible 5000 (HSA Compatible) In-Network Out-of-Network+ In-Network Out-of-Network+ $3,000 $6,000 $5,000 $10,000 $6,000 $12,000 $10,000 $20,000 0% after 50% after 0% after 50% after deductible up to deductible up to deductible up to deductible up to out-of-pocket max. out-of-pocket max. out-of-pocket max. out-of-pocket max. $0 once out-of-pocket max. is satisfied $0 once out-of-pocket max. is satisfied $0 $6,500 $0 $2,500 $0 $13,000 $0 $5,000 $3,000 $12,500 $5,000 $12,500 $6,000 $25,000 $10,000 $25,000 Includes deductible Includes deductible $5,000,000 $5,000,000 $5,000,000 $5,000,000 0% 30% 0% 30% after deductible after deductible after deductible after deductible 0% 30% 0% 30% after deductible after deductible after deductible after deductible 0% 50% 0% 50% after deductible after deductible after deductible after deductible 0% 50% 0% 50% after deductible after deductible after deductible after deductible 0% 50% 0% 50% after deductible after deductible after deductible after deductible $0 copay after deductible $0 copay after deductible $0 copay 30% $0 copay 30% deductible waived after deductible deductible waived after deductible Not covered Not covered Except for pregnancy complications Except for pregnancy complications $20 copay 30% $25 copay 30% deductible waived after deductible deductible waived after deductible Includes lab work and X-rays Includes lab work and X-rays 0% 50% 0% 50% after deductible after deductible after deductible after deductible 0% 50% 0% 50% after deductible after deductible after deductible after deductible 0% 50% 0% 50% after deductible after deductible after deductible after deductible Aetna will pay a max. of $25 per visit Aetna will pay a max. of $25 per visit 0% 50% 0% 50% after deductible after deductible after deductible after deductible 0% 50% 0% 50% after deductible after deductible after deductible after deductible Integrated Medical/ Integrated Medical/ Integrated Medical/ Integrated Medical/ Rx Deductible Rx Deductible Rx Deductible Rx Deductible 0% after Medical/ 30% after Medical/ 0% after Medical/ 30% after Medical/ Rx Deductible Rx Deductible Rx Deductible Rx Deductible 0% after Medical/ 30% after Medical/ 0% after Medical/ 30% after Medical/ Rx Deductible Rx Deductible Rx Deductible Rx Deductible 0% after Medical/ 30% after Medical/ 0% after Medical/ 30% after Medical/ Rx Deductible Rx Deductible Rx Deductible Rx Deductible $5,000 $5,000 $5,000 $5,000 * Maximum applies to combined in and out-of-network benefits. ** Copay is billed separately and not due at time of service. Copay does not count towards coinsurance or out-of-pocket maximum. + Payment for out-of-network facility covered expenses is determined based on Aetna’s Market Fee Schedule. Payment for out-of-network non-facility covered expenses is determined based on the negotiated charge that would apply if such services were received from a Network Provider. 7
  • 10. If affordability is your top priority, the Value plans and Preventative and Hospital Care plans are the plans for you! These plans feature health care benefit coverage with lower monthly premiums and varying deductible levels. PreVeNTATIVe AND HOSPITAL PLAN OPTIONS Preventative and Hospital Care 3000 Preventative and Hospital Care 1250 (HSA Compatible) MeMBer BeNeFITS In-Network Out-of-Network+ In-Network Out-of-Network+ Deductible Individual $1,250 $2,500 $3,000 $6,000 Family $2,500 $5,000 $6,000 $12,000 Coinsurance 20% after deductible 50% after deductible 20% after deductible 50% after deductible (Member’s responsibility) up to out-of-pocket up to out-of-pocket up to out-of-pocket up to out-of-pocket max. max. max. max. $0 once out-of-pocket max. is satisfied $0 once out-of-pocket max. is satisfied Coinsurance Maximum Individual $3,000 $7,500 $2,000 $4,000 Family $6,000 $15,000 $4,000 $8,000 Out-of-Pocket Maximum Individual $4,250 $10,000 $5,000 $10,000 Family $8,500 $20,000 $10,000 $20,000 Includes deductible Includes deductible Lifetime Maximum* per insured $1,000,000 $1,000,000 $1,000,000 $1,000,000 Non-Specialist Office Visit Not covered Not covered Not covered Not covered General Physician, Family Practitioner, Pediatrician or Internist Specialist Visit Not covered Not covered Not covered Not covered Hospital Admission 20% 50% 20% 50% after deductible after deductible after deductible after deductible Outpatient Surgery 20% 50% 20% 50% after deductible after deductible after deductible after deductible urgent Care Facility Not covered Not covered Not covered Not covered emergency room $100 copay** (waived if admitted) $100 copay** (waived if admitted) 20% coinsurance after deductible 20% coinsurance after deductible Annual routine Gyn exam $0 copay 50% $0 copay 50% No waiting period, no calendar year max. deductible waived after deductible deductible waived after deductible Annual Pap/Mammogram Maternity Not covered Not covered Except for pregnancy complications Except for pregnancy complications Preventive Health — routine Physical $25 copay 50% $35 copay 50% Aetna will pay up to $200 per exam deductible waived after deductible deductible waived after deductible No waiting period Includes lab work and X-rays Includes lab work and X-rays Lab/X-ray Not covered Not covered Not covered Not covered Skilled Nursing — in lieu of hospital 20% 50% 20% 50% 30 days per calendar year* after deductible after deductible after deductible after deductible Physical/Occupational Therapy and Chiropractic Care Not covered Not covered Not covered Not covered Home Health Care — in lieu of hospital 20% 50% 20% 50% 30 visits per calendar year* after deductible after deductible after deductible after deductible Durable Medical equipment Not Covered Not Covered Aetna will pay up to $2,000 per calendar year* except coverage for except coverage for Diabetic Equip & Supplies Diabetic Equip & Supplies PHArMACY Pharmacy Deductible per individual Not applicable Not applicable Not applicable Not applicable Generic $15 copay $15 copay plus 50% Not covered Not covered Oral Contraceptives Included Aetna discount applies Preferred Brand Not covered Not covered Not covered Not covered Oral Contraceptives Included Aetna discount applies Aetna discount applies Non-Preferred Brand Not covered Not covered Not covered Not covered Oral Contraceptives Included Aetna discount applies Aetna discount applies Calendar Year Maximum per individual* $5,000 $5,000 Not applicable Not applicable 8 1-800-MY Health | www.aetnaindividual.com
  • 11. MANAGeD CHOICe OPeN ACCeSS & PArTICIPATING PrOVIDer BeNeFITS PLAN (PPO) HIGH DeDuCTIBLe PLAN OPTIONS Managed Choice Open Access & Managed Choice Open Access & Managed Choice Open Access & Participating Provider Benefits Plan Participating Provider Benefits Plan Participating Provider Benefits Plan (PPO) Value 1500 (PPO) Value 2500 (PPO) Value 5000 In-Network Out-of-Network+ In-Network Out-of-Network+ In-Network Out-of-Network+ $1,500 $3,000 $2,500 $5,000 $5,000 $10,000 $3,000 $6,000 $5,000 $10,000 $10,000 $20,000 30% after deductible 50% after deductible 30% after deductible 50% after deductible 30% after deductible 50% after deductible up to out-of-pocket up to out-of-pocket up to out-of-pocket up to out-of-pocket up to out-of-pocket up to out-of-pocket max. max. max. max. max. max. $0 once out-of-pocket max. is satisfied $0 once out-of-pocket max. is satisfied $0 once out-of-pocket max. is satisfied $1,500 $7,000 $2,500 $5,000 $5,000 $2,500 $3,000 $14,000 $5,000 $10,000 $10,000 $5,000 $3,000 $10,000 $5,000 $10,000 $10,000 $12,500 $6,000 $20,000 $10,000 $20,000 $20,000 $25,000 Includes deductible Includes deductible Includes deductible $5,000,000 $5,000,000 $5,000,000 $5,000,000 $1,000,000 $1,000,000 Visit 1-2 $30 copay, 30% Visit 1-2 $30 copay, 30% Visit 1-2 $30 copay, 30% deductible waived. after deductible deductible waived. after deductible deductible waived. after deductible Visit 3+ 30% after Visit 3+ 30% after Visit 3+ 30% after deductible. Specialist deductible. Specialist deductible. Specialist and Non Specialist and Non Specialist and Non Specialist share visit max. share visit max. share visit max. Visit 1-2 $30 copay, 30% Visit 1-2 $30 copay, 30% Visit 1-2 $30 copay, 30% deductible waived. after deductible deductible waived. after deductible deductible waived. after deductible Visit 3+ 30% after Visit 3+ 30% after Visit 3+ 30% after deductible. Specialist deductible. Specialist deductible. Specialist and Non Specialist and Non Specialist and Non Specialist share visit max. share visit max. share visit max. 30% 50% 30% 50% 30% 50% after deductible after deductible after deductible after deductible after deductible after deductible 30% 50% 30% 50% 30% 50% after deductible after deductible after deductible after deductible after deductible after deductible $50 copay 50% $50 copay 50% $50 copay 50% deductible waived after deductible deductible waived after deductible deductible waived after deductible $100 copay** (waived if admitted) $100 copay** (waived if admitted) $100 copay** (waived if admitted) 30% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible $0 copay 30% $0 copay 30% $0 copay 30% deductible waived after deductible deductible waived after deductible deductible waived after deductible Not covered Not covered Not covered Except for pregnancy complications Except for pregnancy complications Except for pregnancy complications $50 copay 30% $50 copay 30% $50 copay 30% deductible waived after deductible deductible waived after deductible deductible waived after deductible Includes lab work and X-rays Includes lab work and X-rays Includes lab work and X-rays 30% 50% 30% 50% 30% 50% after deductible after deductible after deductible after deductible after deductible after deductible 30% 50% 30% 50% 30% 50% after deductible after deductible after deductible after deductible after deductible after deductible 30% 50% 30% 50% 30% 50% after deductible after deductible after deductible after deductible after deductible after deductible Aetna will pay a max. of $25 per visit Aetna will pay a max. of $25 per visit Aetna will pay a max. of $25 per visit 30% 50% 30% 50% 30% 50% after deductible after deductible after deductible after deductible after deductible after deductible 30% 50% 30% 50% 30% 50% after deductible after deductible after deductible after deductible after deductible after deductible $500 $500 $500 $500 $500 $500 Does not apply to generic Does not apply to generic Does not apply to generic $20 copay $20 copay plus 30% $20 copay $20 copay plus 30% $20 copay $20 copay plus 30% deductible waived deductible waived deductible waived deductible waived deductible waived deductible waived $40 copay $40 copay plus 30% $40 copay $40 copay plus 30% $40 copay $40 copay plus 30% after deductible after deductible after deductible after deductible after deductible after deductible Not covered Not covered Not covered Not covered Not covered Not covered Aetna Discount Applies Aetna Discount Applies Aetna Discount Applies $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 * Maximum applies to combined in and out-of-network benefits. ** Copay is billed separately and not due at time of service. Copay does not count towards coinsurance or out-of-pocket maximum. + Payment for out-of-network facility covered expenses is determined based on Aetna’s Market Fee Schedule. Payment for out-of-network non-facility 9 covered expenses is determined based on the negotiated charge that would apply if such services were received from a Network Provider.
  • 12. AeTNA ADVANTAGe PLAN OPTIONS INDIVIDuAL DeNTAL PDN MAX PLAN MeMBer BeNeFITS PreFerreD NONPreFerreD Annual Deductible per Member (Does not apply $25; $25; to Diagnostic and Preventive Services) $75 family maximum $75 family maximum Annual Maximum Benefit Unlimited Unlimited DIAGNOSTIC SerVICeS Oral exams Periodic oral exam 100% deductible waived 100% deductible waived Comprehensive oral exam 100% deductible waived 100% deductible waived Problem-focused oral exam 100% deductible waived 100% deductible waived X-rays Bitewing — single film 100% deductible waived 100% deductible waived Complete series 100% deductible waived 100% deductible waived PreVeNTATIVe SerVICeS Adult cleaning 100% deductible waived 100% deductible waived Child cleaning 100% deductible waived 100% deductible waived Sealants — per tooth Discount Not covered Fluoride application — with cleaning 100% deductible waived 100% deductible waived Space maintainers Discount Not covered BASIC SerVICeS Amalgam fillings — 2 surfaces 100% after deductible 100% after deductible Resin fillings — 2 surfaces Discount Not covered Oral Surgery Extraction — exposed root or erupted tooth Discount Not covered Extraction of impacted tooth — soft tissue Discount Not covered MAJOr SerVICeS Complete upper denture Discount Not covered Partial upper denture (resin based) Discount Not covered Crown — Porcelain with noble metal Discount Not covered Pontic — Porcelain with noble metal Discount Not covered Inlay — Metallic (3 or more surfaces) Discount Not covered Oral Surgery Removal of impacted tooth — partially bony Discount Not covered endodontic Services Bicuspid root canal therapy Discount Not covered Molar root canal therapy Discount Not covered Periodontic Services Scaling & root planing — per quadrant Discount Not covered Osseous surgery — per quadrant Discount Not covered OrTHODONTIC SerVICeS Discount Not covered Access to negotiated discounts: members are eligible to receive non covered services, including cosmetic services such as tooth whitening, at the PDN negotiated rate when visiting a participating PDN dentist at any time. Nonpreferred (Out-of-Network) Coverage is limited to a maximum of the Plan’s payment, which is based on the contracted maximum fee for participating providers in the particular geographic area. Above list of covered services is representative. A summary of exclusions is listed on page 13. For a full list of benefit coverage and exclusions refer to the plan documents. All products not available in all counties. Please refer to the state map located on page 2 of the Aetna Advantage Brochure. 10
  • 13. Aetna Advantage plan programs to help you be well Aetna Advantage Plans include eyecare Savings Aetna Navigator™ special programs1 with a wealth Aetna VisionSM Discount program offers It’s easy and convenient for Aetna special savings on eye exams, contact lenses, members to manage their health benefits. of features to complement our frames, lenses, LASIK eye surgery, and eye Anytime – day or night – wherever they standard health insurance care accessories. have Internet access, members can log coverage. These programs in to Aetna Navigator, Aetna’s secure include substantial savings Hearing Discount Program member website. Members who register on products and educational Aetna’s HearingSM Discounts help Aetna on the site can check the status of their members and their families save on hearing claims, contact Aetna Member Services, materials geared toward your exams, hearing services and hearing aids. estimate the costs of health care services, special health needs. These and much more! programs are value added and Aetna Natural Products are NOT insurance. Here are a and ServicesSM program For more information on any of these Eligible Aetna members and their families programs, please visit us online at few of the ways we can help can access complementary health care www.aetna.com. you be well. products and services at reduced rates Members will also have access to their through the Aetna Natural Products and Fitness Program own Personal Health Record, a single, Services program. Members can save on With our Fitness program, eligible Aetna secure place where they can view their acupuncture, chiropractic care, massage members and their families can enjoy preferred medical history and add other health therapy and dietetic counseling as well rates* on fitness club memberships at over information that’s important to them.*** as on over-the-counter vitamins, herbal 2,000 fitness clubs within the GlobalFit™ ***The Aetna Personal Health Record should not be and nutritional supplements and other used as the sole source of information about your network. In addition, members can access health conditions or medical treatment. health-related products. other programs such as at-home weight loss programs, home fitness options and even Informed Health® Line one-on-one health coaching** services. Get answers 24/7 to your health questions Aetna Weight ManagementSM Program via a toll-free hotline staffed by a team Want to save of registered nurses. on dental expenses? The Weight Management Program can help you achieve your weight loss goals by Aetna rx Home Delivery® Vital Savings by Aetna® is a discount providing you with a sensible weight loss With this optional program, order prescription program that provides you with dental plan and balanced nutrition guide to fit medications through our convenient and savings. This is not insurance. Enrolling your lifestyle. This program provides Aetna easy-to-use mail order pharmacy. To learn in the program will give you access members and their eligible family members more or obtain order forms, visit to a network of providers who have access to discounts on Jenny Craig® weight www.AetnaRxHomeDelivery.com. agreed to accept discounted rates loss programs and products. Start with for services. To sign up today, visit a FREE 30-day trial membership2; then choose www.vitalsavings.com or call either a 6-month2 or 12-month2 program3 1-877-698-4825. that’s right for you. You also receive individual weight loss consultations, personalized menu planning, tailored activity planning, motivational materials and much more. Aetna Natural Products and ServicesSM program, Eyecare Savings, Fitness and similar discount programs are rate-access programs and may be in addition to any plan benefits. Discount and other similar health programs offered hereunder are not insurance, and program features are not guaranteed under the plan contract and may be discontinued at any time. Program providers are solely responsible for the products and services provided hereunder. Aetna does not endorse any vendor, product or service associated with these programs. It is not necessary to be a member of an Aetna plan to access the program participating providers. 1 Availability varies by plan. Talk with your Aetna representative for details. 2 Offers good at participating centers and through Jenny Direct at home only. Additional cost for all food purchases. 3 Additional weekly food discounts will grow throughout the year, based on active participation. *At some clubs, participation in this program may be restricted to new club members. 11 **Provided by WellCall, Inc. through GlobalFit.
  • 14. Things you need to know to apply To qualify for an Aetna Advantage Plan, All applicants, enrolling spouses and All You Need to Know you must be: dependents are subject to medical About easy-Pay n Under age 64 3/4 (If applying as a couple, underwriting to determine eligibility both you and your spouse must be and appropriate premium rate level. Simple Automatic Payments via under 64 3/4.) We offer various premium rate levels Electronic Funds Transfer (EFT) n Under age 25 unmarried dependant based on the known and predicted registration: Complete the payment qchildren of the subscriber or enrolling medical risk factors of each applicant. section of the Aetna Advantage Plans spouse application. Select the EFT option to n Legal residents in a state with products Levels of coverage and enrollment approve the automatic withdrawal of offered by the Aetna Advantage Plans n You may be enrolled in your selected your initial premium and all subsequent plan at the standard premium charge. premium payments. n Legal U.S. residents for at least 6 continuous months. n You may be enrolled in your selected plan Invoices: You will not receive a paper at a higher rate, based on medical findings. invoice when you are enrolled in EFT. Your premium payments Payments will appear on your bank n You may be declined coverage based on statement as “Aetna Autodebit Coverage.” Your rates are guaranteed not to increase significant medical risk factors. for 12 months from your effective date once Terminating: To terminate EFT, you will you’ve been accepted for coverage. After need to provide Aetna with 10 days written Duplicate coverage that, your premiums may change. Final rates notice prior to the date your next EFT are subject to underwriting review. If you are currently covered by another carrier, payment will be deducted. Without this you must agree to discontinue the other written notice, your bank account may be coverage before or on the effective date of debited for the next month’s premium. You Your coverage the Aetna Advantage Plan. Do not cancel will then need to contact Aetna to have Your coverage remains in effect as long your current insurance until you are notified funds placed back in the checking account. as you pay the required premium charges that you have been accepted for coverage. on time, and as long as you maintain refunds: To process an EFT refund membership eligibility. Coverage will be (placing money back in member’s Pre-existing conditions checking account), Aetna will require terminated if you become ineligible due to any of the following circumstances: During the first 12 months following your at least 5 days after the withdrawal effective date of coverage, no coverage was made to ensure valid payment. n Non-payment of premiums will be provided for the treatment of a rejected transactions: If the EFT n Becoming a resident of a state or pre-existing condition unless you have payment rejects for any reason, Aetna location in which Aetna Advantage creditable prior coverage. will automatically terminate the EFT and plans are not available. send you a letter saying you will receive A pre-existing condition is an illness or injury n Obtaining duplicate coverage for which medical advice or treatment was paper invoices. Processing time to reinstate recommended or received within 6 months EFT will be 30–60 days. If an EFT payment n For other reasons permissible by law is rejected, you will need to pay that preceding the effective date of coverage. payment by paper check or credit card. Medical underwriting requirements The Aetna Advantage Plans are not Timing: Payments for Cycle 1 accounts guaranteed issue plans and require medical (1st of the month effective date) will be underwriting. Some individuals may be taken from your bank account between federally eligible under the Health Insurance the 3rd and the 10th of the month the premium is due. Payments for Cycle 2 Portability Accountability ACT (HIPAA), accounts (15th of the month effective through the Texas Comprehensive Health date) will be taken from your bank Insurance Pool (CHIP). account between the 18th and 23rd 12 of the month the premium is due.
  • 15. Texas limitations and exclusions Medical n Medical expenses for a pre-existing Dental These medical plans do not cover all health condition are not covered for the first Listed below are some of the charges care expenses and include exclusions and 365 days after the member’s effective and services for which these dental limitations. You should refer to your plan date. Look back period for determining plans do not provide coverage. For documents to determine which health care a pre-existing condition (conditions for a complete list of exclusions and services are covered and to what extent. which diagnosis, care or treatment was limitations, refer to plan documents. recommended or received) is 6 months The following is a partial list of services prior to the effective date of coverage. n Dental Services or supplies that are and supplies that are generally not covered. If the applicant had prior creditable primarily used to alter, improve or However, your plan documents may contain coverage within 63 days immediately enhance appearance. Negotiated rates exceptions to this list based on state before the signature on the application, for cosmetic procedures available when mandates or the plan design or rider(s). then the pre-existing conditions a participating dentist is accessed. Services and supplies that are generally not exclusion of the plan will be waived. n Experimental services, supplies covered include, but are not limited to: or procedures n Nonmedically necessary services or supplies n All medical and hospital services not n Treatment of any jaw joint disorder, n Orthotics specifically covered in, or which are limited such as temporomandibular joint or excluded by your plan documents, n Over-the-counter medications and supplies disorder including costs of services before coverage n Radial keratotomy or related procedures n Replacement of lost or stolen begins and after coverage terminates n Reversal of sterilization appliances and certain damaged n Cosmetic surgery appliances n Services for the treatment of sexual n Custodial care dysfunction or inadequacies including n Services that Aetna defines as not n Donor egg retrieval therapy, supplies or counseling necessary for the diagnosis, care or Special or private duty nursing treatment of a condition involved n Experimental and investigational n procedures, (except for coverage for n Therapy or rehabilitation other than those n All other limitations and exclusions in medically necessary routine patient listed as covered in the plan documents your plan documents. care costs for Members participating n Rehabilitation and detoxification services 10-day right to review in a cancer clinical trial) related to chemical dependency or Do not cancel your current insurance n Charges in connection with pregnancy care substance abuse until you are notified that you have been other than for pregnancy complications n Weight control services including surgical accepted for coverage. We’ll review your n Immunizations for travel or work procedures, medical treatments and other application to determine if you meet n Implantable drugs and certain injectable services and supplies primarily intended to underwriting requirements. If you’re drugs including injectable infertility drugs control weight or treat obesity denied, you’ll be notified by mail. If Maternity care and delivery charges you’re approved, you’ll be sent an Aetna n Infertility services including artificial n Advantage Plan contract and ID card. insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, If, after reviewing the contract, you find ICSI and other related services unless that you’re not satisfied for any reason, specifically listed as covered in your simply return the contract to us within plan documents 10 days. We will refund any premium you’ve paid (including any contract fees or other charges) less the cost of any services paid on behalf of you or any covered dependent. 1-800-MY Health | www.aetnaindividual.com 13
  • 16. 1-800-MY Health www.aetna individual.com Glossary of terms Deductible – A fixed yearly dollar amount Lifetime Maximum – The total dollar To help you understand your you pay before the benefits of the plan amount of benefits you may receive, or health care options, here are policy start. the limited number of particular services a few definitions of terms you may receive, over the term of the Coinsurance – The dollar amount that the policy. you’ll see throughout this plan and you pay for covered benefits after brochure. For a more in-depth the deductible is paid. Premium – The amount charged, often list of terms, please visit in installments, for an insurance policy. Copayment (Copay) – A fixed dollar www.planforyourhealth.com.* amount that you must contribute toward Out-of-Pocket Maximum – The the cost of covered medical services under amounts such as coinsurance and a health plan. deductibles that an individual is required to contribute toward the cost of health services covered by the benefits plan. *Plan For Your Health is a public education program from Aetna and the Financial Planning Association. If you need this material translated into another language, please call Member Services at 1-866-565-1236. Si usted necesita este material en otro lenguaje, por favor llame a Servicios al Miembro al 1-866-565-1236. This material is for information only and is not an offer or invitation to contract. Plan features and availability may vary by location. Plans may be subject to medical underwriting or other restrictions. Rates and benefits may vary by location. Health insurance plans contain exclusions and limitations. Investment services are independently offered through JPMorgan Institutional Investors, Inc., a subsidiary of JPMorgan Chase Bank. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Not all health services are covered. See health insurance plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features are subject to change. Aetna receives rebates from drug makers that may be taken into account in determining Aetna’s Preferred Drug List. Rebates do not reduce the amount a member pays the pharmacy for covered prescriptions. Material subject to change. The Vital Savings by Aetna® program (the “Program”) is not insurance. The Program provides Members with access to discounted fees pursuant to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna® discount program. The Program does not make payments directly to the providers participating in the Program. Each Member is obligated to pay for all services or products but will receive a discount from the providers who have contracted with the Discount Medical Plan Organization to participate in the Program. Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-877-698-4825, is the Discount Medical Plan Organization. For more information about Aetna plans, refer to www.aetna.com. ©2008 Aetna Inc. AA.02.305.1-TX (7/08)

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