Benefits 101: Choosing the right plan for you

1. Federal Employee Plans Benefits 101:Choosing the right plan for you Disclaimer - This presentation is brought to you by Aetna Life Insurance Company and/or its affiliates to educate you on the Aetna plan options available to you through the Federal Employees Health Benefits Program (FEHBP) or Federal Employees Dental and Vision Insurance Program (FEDVIP). The Aetna HealthFund® (HDHP/CDHP), the Aetna Open Access® HMO Plan, the Aetna Dental PPO Plan are not endorsed by the U.S. government and/or its federal agencies.

2. Federal Employee Plans FEHBP Features • Choice of Plans and Coverage • No waiting period • No pre-existing condition limitations • Salary deduction • Government contributes 72% • Annual enrollment opportunity  Aetna, Inc. for presentation purposes only

3. Federal Employee Plans Common Healthcare Terms • Provider/PCP • Referral • In-Network vs. Out-of-Network • Co-pay • Coinsurance • Deductible  Aetna, Inc. for presentation purposes only

4. Federal Employee Plans Making Sense of the Acronyms! Plans and Coverage • PPO • FFS • HDHP with an HSA • CDHP w/ HRA • HMO • And there’s more • High, Basic, Standard • FSA • FEDVIP  Aetna, Inc. for presentation purposes only

5. Federal Employee Plans Making Sense of the Acronyms! Plans and Coverage • PPO (Preferred Provider Organization) • FFS (Fee For Service) • HDHP with an HSA (High Deductible Health Plan with a Health Savings Account) • CDHP w/ HRA (Consumer Driven Health Plan with Health Reimbursement Arrangement/Account) • HMO (Health Maintenance Organization) And there’s more • High, Basic, Standard (Same Insurance Company might offer different plan options with different costs) • FSA (Flexible Spending Account) • FEDVIP (Federal Employee Dental Vision Insurance Plans)  Aetna, Inc. for presentation purposes only

6. Federal Employee Plans Comparing the types of plans:PPO vs. HMO • PPO • Nationwide network of preferred providers • Allows you to choose providers in and out-of-network • No referrals • Deductible & Coinsurance • HMO • Must live or work in the geographic area to enroll • You must use network providers, except in emergencies • Most have no deductibles or coinsurance, just pay co-pays  Aetna, Inc. for presentation purposes only

7. Federal Employee Plans What do you get for your healthplan dollars? • Plans with no referrals* • Plans with no deductibles • Tax Savings • National networks • Out of Pocket Maximums • Dental benefits included • Vision benefits included • Discounts on: • Weight loss programs • Massage, Chiropractic and Acupuncture • Gym Memberships *Referrals required for California HMO.  Aetna, Inc. for presentation purposes only

8. $773 Premium Savings + Annual Fund of $1250 Federal Employee Plans Compare. There’s more to it than just the premium these days: Are there tax saving? Can you carry over unused funds?Is preventive care free?  Aetna, Inc. for presentation purposes only

9. Federal Employee Plans Example of CDHP Plan with PPO Network 1) Medical & Dental Funds Medical:Single- $1,250 / Family-$2,500 Dental:Single- $300 / Family-$600 100% Preventive Care In-Network 2) Deductible Medical:Single- $750 / Family-$1,500 • 3) Coinsurance • Plan pays for covered services: • In-network: 90% • Out-of-network: 60% • Rx: $10/$25/$40 (your copay)  Aetna, Inc. for presentation purposes only

10. Federal Employee Plans Example of HDHP Plan with PPO Network Monthly Deposits Single- $62.50/monthFamily- $125/month Member Contributions(optional) Single- up to $2,250/year Family- up to $4,450/year 100% Preventive Care In-Network 2) Deductible In-network:Single- $1,500 / Family-$3,000 Out-of-Network:Single- $2,500 / Family- $5,000 • 3) Coinsurance • In-network: 90%/ 10% • Out-of-network: 70%/ 30% • Rx: $10/$25/$40  Aetna, Inc. for presentation purposes only

11. Federal Employee Plans FFS PPO Network Plans In-network Benefits Using participating facilities and Providers -A’Richer’ benefit level -Mostly co-insurance -Negotiated Fees/Rates Out-of-Network Benefits Non-Participating Providers -more cost sharing  Aetna, Inc. for presentation purposes only

12. Federal Employee Plans HMO Network Plans In-network Benefits Must use participating facilities and Providers -Mostly co-payments -Possible Referrals -MUCH less paperwork!  Aetna, Inc. for presentation purposes only

13. Federal Employee Plans What about Perks? Common Special Discounts : • Eyewear & Vision services • Weight loss programs • Fitness programs • Chiropractic & Acupuncture services • Massage Therapy • Vitamins • Mail Order Rx  Aetna, Inc. for presentation purposes only

14. Federal Employee Plans Do you need a separateDental or Vision plan? What dental and vision benefits are in your Medical Plan: • Screenings? • Cleanings? • Fillings? • Reimbursement for eyewear?  Aetna, Inc. for presentation purposes only

15. Federal Employee Plans How can you choose the right plan? Compare Plans and Plan features, like… • Premiums, Coinsurance, Copays and Network • Tax Savings, Rollover feature • Prescription drug coverage – Generic drugs and Mail Order benefit • Understand Vision and Dental benefits included with Medical Plans • Discounts – Access to discounts that could save money on services and items you use already!  Aetna, Inc. for presentation purposes only

16. Federal Employee Plans Now what? • Research now before Open Season • www.OPM.gov/Insure • www.benefeds.com • Do the math now – Budget your expected medical expenses • Do you now how to enroll?  Aetna, Inc. for presentation purposes only

17. Federal Employee Plans Questions? Thanks for coming!  Aetna, Inc. for presentation purposes only