2006 Benefits

1. 2006 Benefits

2. Comprehensive Health Care Plan • Choice of POS or HMO or no coverage • Payroll deduction amounts: • Qualified change in status - report within 30 days in order to have coverage

3. POS - Point of Service • Aetna Open Access Managed Choice POS • Network of participating providers • Negotiated fees • No primary care physician required (no gatekeeper) • No referrals

4. POS - Point of Service - cont’d • Benefits available for out-of-network care • Cost sharing • In-network provider - co-payments and coinsurance • Out-of-network provider - deductible and coinsurance

5. HMO - Health Maintenance Organization • Aetna Choice POS • Participating providers only • Primary Care Physician (PCP) required • Referrals not required • Lower out-of-network benefits • Cost sharing: • In-network care: co-payments • Out-of-network: deductible and coinsurance

6. POS - Pharmacy Benefits • Aetna Open Access • Pre-certification may be required • Retail (up to a 30 day supply) • $15 copay for generic drugs • $25 copay for formulary brand-name drugs • $40 copay for non-formulary drugs • Mail Order (up to a 31-90 day supply) • $30 copay for generic drugs • $50 copay for brand-name drugs • $80 for non-formulary brand-name drugs

7. HMO - Pharmacy Benefits • Aetna Choice • Pre-certification may be required • Retail (up to a 30 day supply at participating pharmacies) • $15 copay for generic drugs • $35 copay for formulary brand-name drugs • $50 copay for non-formulary drugs • Mail Order (up to a 31-90 day supply) • $30 copay for generic drugs • $70 copay for brand-name drugs • $100 for non-formulary brand-name drugs

8. Employee Assistance Program • Aetna EAP • Counseling sessions (up to face-to-face visits per counselable issue, per year • Work/life services (legal, financial) • Personal services (health & wellness, daily life) • Complementary & alternative medicine resources (discounts on fitness centers, activities, and magazines) • 24-hour telephonic access: 1-800-AETNA-EAP • Web access: www.aetnaeap.com • Program: Aetna EAP • Company ID: MYMEIEAP

9. Vision One Discount Program • Available to all Aetna participants • Eyewear discount program administered by Aetna • Find participating providers - www.aetnanavigator.com

10. Dental - PPO • Aetna Dental PPO • Individual calendar year deductible • $50 for individual • $150 for family • Preventative care benefit = 100% • Minor restorative care: 80% after deductible • Major restorative care: 50% after deductible • Annual benefit maximum: $2,000 • Orthodontia: • 50% after deductible • Only for children - must apply before age 20 • Lifetime maximum: $2,500

11. Dental - DMO • Aetna Dental DMO • Primary Care Dentist directs care • Diagnostic & preventative care benefit = 100% • Restorative care & oral surgery = fixed prices • Orthodontia: • Screening Exam = $30 • Diagnostic Records = $150 • Adolescent Treatment = $1,945 • Adult Treatment = not covered • Orthodontic Retention = $275

12. Flexible Spending Accounts • Set aside pre-tax dollars • Lower your taxable income • Two separate accounts - one for Health Care, one for Dependent Care • Must enroll within 30 days of hire date • Submit claims for reimbursement - processed by ADP (Automated Data Processing) • Use it or lose it • Changes during the year only within 30 days of a qualifying life event

13. FSA - Cont’d • Health Care Account • $5,000 calendar year maximum • Eligible expenses include co-payments, coinsurance, deductibles, and eligible over-the-counter drugs • Health care premiums are not eligible expenses • Dependent Care Account • Dependent Care - child care for dependent(s) under 13 while parents work or attend school full time • Care for incapacitated/elderly adults you claim on taxes • $5,000 calendar year maximum (may be less for highly-compensated associates)

14. Life Insurance • Non-contributory Life • Company pays for life insurance of 3 times annual eligible earnings • Contributory Life • Associate may elect to pay for additional life insurance of up to 2 times annual eligible earnings • Apply within 30 days of hire, no statement of health necessary

15. Retirement Program Company 6% 6% 12% Associate 6% Match 401(k) Vanguard Company contribution based on 100% of base pay Maximum annual contributions subject to IRS limits.

16. Resources • Aetna Benefits: • http://www.aetnanavigator.com • POS Member Services: 1-888-632-3862 • POS Pre-certification: 1-800-962-6842 • HMO Member Services: 1-877-402-8742 • Dental Member Services: 1-877-238-6200 • Prescription Line for Providers: 1-800-238-6279 • Vision One Customer Service: 1-800-793-8616 • MEI Retirement Plan: • http://www.vanguard.com • 1-800-523-1188 • Flexible Spending Accounts: • http://www.flexdirect.adp.com • 1-800-252-6277

17. Immediate Next Steps • Review your plan summaries • Make benefits elections for medical, dental, flexible spending, and life insurance coverages • Designate life insurance and retirement plan beneficiaries