Aetna Advantage Plan Choices...

The Advantage plans from Aetna are designed to offer quality coveage at an excellent value. Coverage can include prescription drugs, doctor visits, hospitalization and preventive care services. Generally speaking the lower your "premiums", or monthly payments, the higher your deductible, which is the amount you pay out of pocket before the plan begins paying for covered expenses. You'll pay less by using "in-netwrok" doctors, hospitals, pharmacies and other health care providers who participate in Aetna's nationwide network.

About HSAs

Many of Aetna's High Deductible plans are Health Savings Account (HSA) Compatible, offering you lower premiums and tax advantaged savings. An HSA is a personal account that lets you pay for qualified medical expenses with tax advantaged funds. You or an eligible family member make contributions to your HSA tax-free, and those dollars earn interest tax-free. then, when you make withdrawals from your account to pay for qualified health care expenses, they're tax-free too.

It's easy to establish a Health Savings Account

Simply enroll in an Aetna HSA Compatible High Deductible Health Plan and you will automatically have an HSA opened through Bank of America. You will receive a debit card and a welcome package with additional information to get you started. If you do not wish to set up and HSA, you can opt put by calling Bank of America - or the account will be automatically canceled after 90 days if the debit card is not activated or if you do not enroll online.

Why choose an Aetna HealthFund HSA?

• No set-up fees
• No monthly administrative fee
• No withdrawal forms required
• Convenient access to HSA funds via debit card or online
• Track HSA activity online

Is your doctor in the Aetna Network? - Which local physicians, hospitals, pharmacies and eyewear providers participate in the nationwide Aetna Advantage Plan network? Easy, visit www.aetna.com/docfind/custom/advplans or you can call toll free (800) 694-3258 and ask for a directory of providers.

Cover your children...

Aetna Advantage Plans are also available for children only, which means you can enroll your child even if no other family member enrolls. Coverage includes well-child visits, emergency room and dental preventive services (if a dental plan is selected). NOTE: when an HSA Compatible plan is selected for child only enrollment, an HSA account is not available for the child.

Add Dental PPO Max...

With the Aetna Advantage Dental PPO Max insurance plan, you can obtain services from either a participating or non-participating dentist. Participating dentists have agreed to provide services at a negotiated rate for both covered services, as well as non-covered services such as cosmetic tooth whitening and orthodontic care, so you generally pay less out-of-pocket. You also have the flexibility to visit a dentist who does not participate in Aetna's network, though you will not have access to negotiated fees. NOTE: Dental coverage is offered only if medical coverage is obtained.

Rates are guaranteed not to increase for 12 months from your effective date once you've been accepted for coverage. After that, your pemiums may change. Final rates are subject to underwriting review.