Benefits and insurance plans for the way you live

Nevada Small Group Enrollment Guide

14.05.902.1-NV C (02/09)

Health benefits plans, health insurance plans, Life insurance plans, Short Term Disability insurance plans and Long Term Disability insurance plans are offered by Aetna Health Inc., Aetna Health Insurance Company and/or Aetna Life Insurance Company (Aetna).

Table of Contents

Employee Assistance Program 3

Aetna Navigator® 4

Personal Health Record 5

RelayHealth® 6

Walk-in Clinics 8

Special programs for women 9

Informed Health® Line/Aetna FitnessSM discount program 10

Aetna VisionSM Discounts 11

Aetna Natural Products and ServicesSM discount program 12

HearPO® 14

Wellness and prevention programs 16

Medical products overview 18

How to choose the right health plan 19

Aetna Group Life and Disability Insurance 20

DocFind® 21

Aetna Health Care Transparency tools 22

How to complete the employee application 23

Aetna ID card 24

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At Aetna, we know that the true worth of any health benefits and

insurance plan is how it works for you and your family. Aetna also

recognizes all families are different, each with their own unique needs.

Some families need a plan with lower out-of-pocket costs when they see

their doctor; some need lower monthly premiums; and some need the option

to seek out-of-network care. With Aetna, each family can pick the plan that

best suits their unique individual needs. The choice is yours!

Plus, each health plan from Aetna offers a number of valuable member tools

and resources to help you and your family make more informed decisions

about your health and well-being. Whether it’s finding a doctor online,

checking the status of a pending claim, or finding the lowest-cost prescription

for you and your family, Aetna provides you with the tools you need to

manage your care.

Some or all of the plans described in this brochure are available to you

through your employer. Please check with your employer to determine

which plans are offered by your company.

Welcome to Aetna!

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Aetna’s Employee Assistance Program is a confidential program that gives employees and members of their household access to useful services and support to help them manage the everyday challenges of work and home. The EAP is available at no additional charge to members and their family members and includes:

■ Choice — They’ll find a range of resources to help them balance their personal and professional lives.

■ Easy access — Small Group EAP can be reached anytime toll-free at 1-866-672-5417 or on the Web at Aetnaeap.com.

■ Professional assistance — Our workplace-trained specialists provide confidential phone support, assessing needs and recommending an appropriate course of action. Employees and their household members receive three phone consultations per member in a calendar year.

Employers can also take advantage of EAP Resources:

■ Management and Human Resources assistance — Employers get unlimited phone consultations with workplace-trained clinicians who can provide help in dealing with complex employee issues that may arise.

■ Online tools — Employers can also get online tools and materials to encourage employees to use the EAP by visiting www.aetnaeap.com (enter your company ID and select the “Promotional Materials” link).

*EAP is administered by Aetna Behavioral Health, LLC and Aetna Life Insurance Company.

Employee Assistance Program* (EAP)

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Aetna Navigator member self-service website

When you need up-to-date information about your health benefits and insurance plan or want information about a particular health condition, here’s where you’ll find it!

Aetna members can turn to Aetna Navigator, our member self-service website that provides you with a single source for online health and benefits information. It’s convenient, and easy to use:

1. Go to Aetna.com

2. Click on Aetna Navigator

3. Register as a new user, or log on using your secure password

4. Find a wealth of credible health care information and self-service functions — available to you anytime of the day or night — from wherever you have Internet access

Our secure connection lets you:■ View information about who is covered

on your plan.

■ Search for a participating provider on our DocFind® online provider directory.

■ Check the status of a claim or review an Explanation of Benefits (EOB).

■ Contact Member Services with benefits questions (also available in Spanish).

Use Aetna Navigator’s online tools to manage your benefits and help you make more informed health decisions:■ Doctors’ Rates — view physician-specific

rates by specialty for up to 30 of the most common services and procedures.

■ Hospital Comparison tool — compares hospital outcome information about medical care provided by hospitals in your area, based on criteria important to you.

■ Medical Procedure by Facility Cost tool — provides facility-specific and managing physician costs for more than 30 common medical procedures, from admission through discharge.

■ Price-A-DrugSM tool* — helps you estimate the cost of prescriptions before you buy

■ Estimate the Cost of Care tool — provides estimated average in-network costs and out-of-network fees for certain procedures based on your geographic search.

■ Pharmacy benefits summary — allows you to locate retail pharmacies; order prescriptions through Aetna’s mail-order pharmacy, Aetna Rx Home Delivery®; search and learn about medications; and review the medications available in Aetna’s formulary

And, if you’re interested in learning more about a particular health condition, Aetna Navigator provides credible health information resources.

■ Aetna InteliHealth® website, our award-winning and interactive consumer website for credible health, dental and wellness information provided by Harvard Medical School

■ Healthwise® Knowledgebase, look up information about thousands of medical topics with this user-friendly online tool; available in English and Spanish.

■ Interactive and streaming videos about topics such as asthma and heart health

Aetna Navigator — Your gateway to managing your health

Included with your plan are important tools and resources that make it easier to use your benefits and help you make more informed health care decisions.

Aetna.com

*If Included in your plan.

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Put your Personal Health Record to work and make history!

Members with Aetna medical coverage can now use Aetna’s Personal Health Record.

Your Personal Health Record is a secure online tool that makes it easy to:

■ keep your health information in a single, safe place

■ track doctor visits, prescriptions and more for you and your family

■ give your doctor a more complete health history

■ receive timely, personalized health alerts and preventive care reminders

Much of your health information is ready for you to see now.

Information from your Aetna health claims automatically appear in your Personal Health Record. And, you can easily add more information. List your allergies, your family history and more. It’s up to you. The more you enter, the better picture you and your doctors will get of your overall health.

Use it to talk to your doctors with ease.

The Personal Health Record can help you team up with your doctors. You can share your Personal Health Record online with individual doctors by making it available through a secure website many doctors already use. You also can print your Health Summary to share at office visits or to help you fill out medical forms when you see a new doctor.

Stay safe and healthy with alerts and reminders.

Personal Health Records helps you get the care you need. If you’re due for a checkup or other important screening, you might see a reminder when you log on. You may also receive a message if there’s an alternative treatment that may improve your care. And, if you give Aetna permission, you can get e-mails telling you that a new alert or reminder is in your secure Personal Health Record.

Print your personalized Emergency Card

You can print an Emergency Information Card that pulls information from several sections of your Personal Health Record. It provides first responders your emergency contact’s name and phone number, your insurance details, any medications you are taking, allergies if you have any and if you have a living will or have designated your organs for donation. All this detail in a printout that folds and fits in your wallet.

Be sure the information in these sections is accurate and up-to-date, and start using your Aetna Personal Health record today!

* The Aetna Personal Health Record should not be used as the sole source of information about health conditions or medical treatment.

It’s easy to get started.

Visit your Personal Health Record today or use our Walk Me Through guide to explore how this resource works on your own. Visit http://www.aetna.com/showcase/phr/ for answers to the most common questions from our members.

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Visit your doctor online with webVisit®

webVisit through RelayHealth links you with your doctor, Aetna health plan and pharmacy in a single secure network.

Aetna’s latest innovative health care benefit in collaboration with RelayHealth* offers members “webVisits.” Now you can communicate effectively and securely online with your doctor to seek non-urgent medical care. You pay any required copays or deductibles through the system as if you had made an office visit.

webVisit is easy to use:

1. Enter the RelayHealth website for non-urgent medical care.

2. Complete a questionnaire.

3. Submit it directly and confidentially to your doctor.

4. Once your doctor reviews your questionnaire, you will get a diagnosis, instructions and information — just like at an actual visit.

Simply register on the RelayHealth website at https:// www.relayhealth.com/Patients/Registration.aspx to get started.

Once registered, log in at your convenience to take advantage the many features available to registered members in addition to the webVisit service:

■ Consult with your doctor

■ Make/cancel appointments

■ Obtain referrals

■ Request lab and test results

■ Order prescription refills

■ Send note to your doctor’s office

* Small Group employers need to do nothing as this service will be automatically added to their employees’ coverage. This feature does not apply to any HMO health benefits plan a prospective member may choose. Plan sponsors offering Traditional plans can customize the copay required for an online visit (webVisit). This service includes plans that have health funds when the fund limit is exhausted. Physicians will be paid for services provided according to the terms of their contract. As always, a member’s financial responsibility depends on the terms of his or her plan, which may vary.

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What’s the difference between online RelayHealth site and e-mailing my doctor?

A “webVisit” is a virtual office visit that links you to your doctor, Aetna and your pharmacy for convenient service for your non-urgent health care needs. Here’s a quick summary comparison to illustrate the advantages of webVisit.

A few things to note before you get started:

■ You must have an established relationship with a doctor before webVisit can be used.

■ Your doctor must be a member of Aetna’s network and be registered as a participating provider in the RelayHealth physician network — participating providers are identified on DocFind through the Aetna Navigator.

e-mail■ May not be secure or HIPAA compliant.

■ Free form — you may not know the medical questions address so your doctor can diagnose your ailment.

■ Non-chargeable — eligibility needs to be determined and you must submit a claim.

webVisit■ HIPAA compliant — secure and

authenticated with user log in.

■ Clinically-structured questionnaire focuses on your symptoms to help your doctor determine an accurate diagnosis.

■ Reimbursable — checks eligibility in real time, collects copayment and submits claim automatically.

Informed Health® Line

Access to a registered nurse — 24/7!

With Aetna’s Informed Health Line, you can talk to a registered nurse anytime, day or night. Just call our 24-hour toll-free number (available upon enrollment). While only your doctor can diagnose, prescribe or give medical advice, the Informed Health Line nurses can provide information on thousands of health topics. They can also assist you on how to ask the right questions and describe health symptoms more effectively during your next visit to your doctor. Remember, always contact your doctor first with any questions or concerns regarding your health care needs.

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A convenient solution for care on the go

Walk-in clinics

Looking for a convenient way to get medical care? Consider a walk-in clinic. It’s a convenient alternative to the doctor’s office. If you aren’t feeling well and have trouble getting an appointment with your doctor, it’s your answer to non-emergency care right away.

And Walk-in Clinics are not just for when you are sick. You might be surprised by the full spectrum of services available at a Walk-in Clinic, many of which are staffed by physician assistants and nurse practitioners. They offer:

■ Treatment for minor burns, stings or bites, sprains, strains and cuts

■ Care for earaches, flu and cold symptoms, sinus infections and allergies

■ Physicals and pediatric and gynecologic services

■ Flu shots and other vaccinations

■ X-ray and lab services

For care that is not minor, such as fractures, sprains or other urgent injuries, we contract with urgent care centers to offer you an economical alternative to visiting an emergency room. Urgent care sites are staffed with physicians to handle urgent medical needs, whereas walk-in clinics are staffed by nurse practitioners to care for minor ailments. And just like walk-in clinics, some urgent care centers offer evening and weekend hours with no appointments needed.

Urgent care

Check your Plan Design and Benefits Summary to get more information about coverage and costs to visit a walk-in clinic or urgent care center. Use DocFind through www.aetna.com to find the closest clinic or care center near you.

Follow these simple steps as your guide to locating a walk-in clinic near you:

Step 1Start your search in DocFind.

Step 2 Complete all the category selections — note there are required fields to complete.

■ Decide how you’d like to search for a provider — by zip code, city or county

■ Under PROVIDER CATEGORY, select Facilities (such as lab, walk-in clinics and X-ray)

■ Under PROVIDER TYPE, select Walk-In Clinics or Urgent Care Facilities

■ Finally, under PLAN, select your plan

Step 3Click START SEARCH for a listing of all the Walk-in Clinics in the geographical area you selected.

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Ongoing health management

Work, family, friends. Too much to do, too little time to do it. That’s today’s woman. Add health needs that change over time, and you’ll know why we offer services and information to help you manage your health.

Prevention programs for womenOur preventive programs can help women benefit from:

■ Preventive screening reminders for breast and cervical cancer

■ Culturally focused initiatives to help reduce health disparities among women of diverse ethnic backgrounds

Women’s health onlineGo to Womenshealth.aetna.com for information on women’s health issues — from heart health, breast cancer and pregnancy to baby care and other topics important to women, as well as:

■ An interactive body mass index

■ A pregnancy guide

■ Food pyramid recommendations

■ Information on diet and nutrition

For ob/gyn care, no referrals needed†

For an annual well-woman exam, unlimited visits for gynecological problems and routine maternity care, women may schedule an appointment with participating obstetrical, gynecological or women’s health care professionals.

Special maternity careFrom the start of pregnancy to birth, our maternity program offers expectant mothers services and educational materials to help give their newborns a healthy start. Moms-to-be receive:

■ Educational materials, available in English or Spanish, that cover:

> Prenatal care

> Labor and delivery

> Newborn and baby care

> Breastfeeding

> Postpartum depression

■ A pregnancy risk survey and nurse care coordination for high-risk pregnancies

■ A program to help you stop smoking

Beginning RightSM maternity programAetna’s Beginning Right maternity program offers information and services to expectant mothers including care coordination by obstetrical nurses experienced in preterm labor education, breastfeeding support and more. We want to make sure expectant mothers have the information needed to make informed decisions about health care while pregnant or planning a pregnancy. Members enrolled in both our medical and dental plans, as well as our Beginning Right program, may receive enhanced dental benefits (additional cleaning or treatment of periodontal (gum) disease, fully covered with no deductible) during pregnancy.

Special programs for the special needs of women

† Direct access applies to general ob/gyn care and basic infertility care only, not subspecialty care/treatment such as additional infertility specialist care, perinatology care or gynecologic/oncologic care.

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Good health can mean more than visiting the doctorRegular exercise helps you stay healthy, and can make you look and feel better. The Aetna FitnessSM discount program is automatically included with your health benefits or health insurance plan, so you can save money, too!

You’ll save on fitness club memberships, exercise videos and home exercise equipment like treadmills and elliptical trainers — everything you need to get fit for less today.

Pick a club — join a club

You’ll enjoy preferred rates on fitness club memberships* within the GlobalFit™ network. With nearly 10,000 locations** (and growing every day), it’s easy to find one close to where you live or work. And with features like a FREE guest pass*** and flexible membership options, you can get started today!

Step #1: Visit Globalfit.com/fitness for a current list of participating clubs

Step #2: Select a club and follow the directions to get your FREE guest pass (available at most clubs) - It’s your “sneak peek” at club culture, services and equipment

Step #3: Join a club today - Enroll online,

or call GlobalFit toll free at 800-298-7800

More reasons to join a club

■ Flexible membership options — including the Commit (48-week) and Non-Commit (month-to-month) memberships

■ Convenient billing options through your bank account or major credit card

■ Guest privileges at participating clubs for when you travel (Commit memberships only)

■ Transfer your membership to another person (Commit memberships only) or to another participating fitness club

■ Freeze your membership for up to two months in a calendar year (Commit memberships only)

■ Plus, family members on your health benefits or health insurance plan are eligible, too!.

Save on home exerciseequipment and supplies

Rather get fit in your own home? You’ll also save on exercise videos and home exercise equipment like elliptical trainers and treadmills.

Lifestyle programs beyondthe fitness club

Starting a fitness program is just the start to a healthier you. The fitness discount program also offers access to at-home weight-loss programs and one-on one health coaching* to help you quit smoking, lower stress, lose weight or meet another health goal.

*Provided by WellCall, Inc., through GlobalFit.

*Participation in GlobalFit is for new club members only. Membership to a club of which you are currently a member may not be available. **GlobalFit website, www.globalfit.com/fitness, 1/08.***Not available at all clubs..

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See better … for lessSave 5 percent to 40 percent off the retail price* of eye exams, eyeglasses, contact lenses and solutions, accessories and more, with our Aetna Vision Discounts program. The discounts are instant — there are no forms or claims.

You can use your discount over and over again … you save each and every time you purchase a product or service from a participating location.

Here’s how you do it:■ Book — Schedule an eye exam, or

visit any participating location. From Aetna.com, log on to our DocFind

directory and select Aetna Vision Discounts to find a participating professional. Or, call 1-800-�9�-8616.

■ Browse — Choose from hundreds of fashionable frames and the latest in lens technology.

■ Save — Show your Aetna ID card for on-the-spot savings.

Special savings on LASIK eye surgeryHave you been hearing about LASIK eye surgery and wondering if you can afford it? With Aetna Vision Discounts, you can get up to 5 percent to 15 percent off the doctor’s usual fee* for surgery.** To learn more, call 1-800-422-6600.

*EyeMed Services and Compensation Schedule, 7/06. Prices are subject to change.** LASIK surgery discounts are offered by U.S. Laser Network. Providers are independent

surgeons and are not agents or representatives of Cole Vision Corporation, Aetna and/or their affiliates.

PRODUCT OR SERVICE Eye Exams ■ Comprehensive eye exam ■ Standard contact lenses fit & follow up ■ Specialty contact lenses fit & follow up

(e.g. Toric, Bifocal, Gas Permeable)

Lenses per Pair (uncoated plastic) ■ Single Vision ■ Bifocal ■ Trifocal ■ Standard Progressive (no-line bifocal)

Eyeglass Frames (retail prices)

Lens Options per Pair (add to lens price above) ■ Standard polycarbonate (includes UV coating and scratch-resistant coating) ■ Scratch-resistant coating ■ Ultraviolet (UV) coating ■ Solid or gradient tint ■ Standard antireflective coating ■ Glass ■ Photochromic Glass

Contact Lenses Get a 15% discount (5% on disposables) off retail prices.

Mail-Order Contact Lens Replacement Program Call 1-800-391-LENS (5367) to order replacement contact lenses. (Mail-order contact

pricing is not subject to the discounts received at participating locations.)

Additional Vision-Related Items Visit any participating location to receive a 20% discount off retail prices.

LASIK Procedure Save up to 5% to 15% off the surgeon’s fee through the U.S. Laser Network.

WHAT YOU’LL PAY $42 $40 (plus $42 exam fee) $10 off retail (plus $42 exam fee)

$40 $60 $80 $120

40% off retail prices

$40 $15 $15 $15 $45 20% off retail 20% off retail

This is a brief listing of the savings* you can receive through the Aetna Vision Discounts program.

An eye-opening way to healthy vision

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A cost-effective way to relax, recharge and save

Aetna membership has its perks! You automatically get the Aetna Natural Products and Services discount program when you join any one of our health benefits or health insurance plans.

Aetna Natural Products and ServicesSM Discount ProgramThe path to healthy living comes in all shapes and sizes. That’s why the Aetna Natural Products and Services discount program gives you great savings on complementary health care services and natural products through American Specialty Health (ASH) Incorporated, a recognized leader in this market, and its subsidiaries. It’s a smart way to save on items not typically covered by insurance,1 such as massage therapy and over-the-counter vitamins. Plus, it’s a great way to encourage your body’s natural health abilities.

Save on massage therapy, acupuncture, natural products and more.

No referrals, no claims — and no waiting for reimbursement

Simply contact a natural therapy professional, book an appointment, and save! There are four money-saving services available:

1. Massage therapy

Massage can relieve stress and improve your overall wellbeing. So rest your achy muscles with relaxing massage therapy — and pay less!

2. Acupuncture

Pinpoint your pain or stress points with this 5000-year old stress reliever, and save.

3. Chiropractic care

Get “realigned” with savings on regular chiropractic visits.

4. Dietetic counseling

Get sound dietary advice from registered dieticians on the foods you should eat to feel healthier, look leaner and improve your overall health!

Two easy steps to greater savings:

1. Schedule an appointment. To find a location near you, visit DocFind at Aetna.com or call the toll-free number on your ID card, which you’ll get after enrollment.

2. Pay the discounted fee at the time of service. There are no claims to file and no waiting for reimbursement.

1 Check your plan documents to see if chiropractic and acupuncture benefits are available under your plan.

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Save on healthy lifestyle

products, too!

Get your daily dose of Vitamin C — at a discount. Other over-the-counter vitamins, too! Or, stock up on aromatherapy, yoga equipment, nutritional and herbal supplements, and more.

And with thousands of health-related products available, it’s easy to order by mail, phone, fax or the Web. It’s just what the doctor ordered for your healthy lifestyle.

Did you know?If you’ve ever taken Vitamin C to ward off a cold or practiced yoga to destress, then you’re already familiar with complementary health care. Now, you get great savings just for doing it!

Once you’re an Aetna member, log on to www.aetnanavigator.com

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A great way to hear what you’ve been missing

You don’t have to live in a world of muted sound. We’ve teamed with HearPO, a national hearing benefits provider, to give you 30 to 40 percent off the retail price* of hearing exams and hearing services.**

And you’ll save 4 to 62 percent off the retail price* on hearing aids. It’s what you need to make your world sound clearer.

This program is not insurance … meaning no referrals or claims. It’s a simple, convenient way to take a little off the top of your expenses.

■ Save on many styles, from complete canal to behind-the-ear hearing aids.

■ Save on the newest technology, including programmable and digital instruments.

■ Choose from over 1,800*** participating locations nationwide.

■ Get discounts on hearing aid repairs.

■ Enjoy free follow-up service for one year.

Three steps to savings:

1. Find a nearby provider. Call HearPO at 1-888-HEARING, or visit our DocFind directory online through Aetna.com.

2. Make an appointment with your selected provider.

3. Get your discount at the point of purchase.

*HearPO Compensation Contract, 7/06. ** Read your plan documents for additional

hearing benefits that may be available to you under the plan.

*** HearPO website. Hearpo.com/aetna, 7/06. HearPO is a registered trademark of HearPO Corp.

Hear life the way it’s meant to be heard

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Good health begins with prevention. So we’ve developed an array of wellness programs and services to help you and your family stay healthy through all the stages of your life.

Preventive care

Member health education reminders To help prevent, detect and monitor problems early on, we mail women age 40 and over reminders encouraging them to schedule an annual mammogram. We also send important health information, a chart of recommended preventive care guidelines and a tear-off wallet card to schedule and track this important information.

Aetna Health Connectionssm disease management —

This program features Aetna nurses and programs, including MedQuery®, and is an important part of our new Aetna Health Connections health and wellness portfolio. Our newly redesigned capabilities support more than 30 conditions and integrate care for members with multiple conditions. The program includes cutting-edge technology to help improve patient safety, doctor communication and more.

This integrated, holistic approach using capabilities unique to Aetna, delivers premiere medical management for our members that no one in the industry can match. It includes innovative and individualized clinical programs, information and support for totally integrated health management that optimizes our members’ state of health. Members are viewed holistically — considering multiple diseases or conditions across all benefit plans— to deliver customized programs based on their individual needs and preferences.

Prevention programs — helping you and your family stay healthy

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Vascular■ Heart Failure

■ Diabetes — Adult & Pediatric

■ Coronary Artery Disease (CAD)

■ Peripheral Artery Disease (PAD)

■ Hypertension — Adult & Pediatric (High Blood Pressure)

■ Cerebrovascular Disease/Stroke (CVA)

■ Hyperlipidemia (High Cholesterol)

Pulmonary■ Asthma — Adult & Pediatric

■ Chronic Obstructive Pulmonary Disease (COPD)

Orthopedic / Rheumatologic■ Osteoporosis

■ Osteoarthritis (OA)*

■ Rheumatoid Arthritis (RA)

■ Chronic Lower Back Pain

Gastrointestinal■ Gastro Esophageal Reflux Disease (GERD)

■ Peptic Ulcer Disease

■ Inflammatory Bowel Disease (IBD) (Crohn’s Disease)

■ Chronic Hepatitis

Neuro-Geriatric■ Geriatrics

■ Migraines

■ Seizures

■ Parkinsonism

Cancer■ General Cancer

■ Breast Cancer

■ Lung Cancer

■ Lymphoma/Leukemia

■ Prostate Cancer

■ Colorectal Cancer

Renal■ Chronic Kidney Disease

■ End Stage Renal Failure

Other■ Weight Management — Adult & Pediatric

■ Cystic Fibrosis — Adult & Pediatric

■ HIV

■ Hypercoagulable State

■ Sickle Cell Disease — Adult & Pediatric

■ Depression**

Aetna Health ConnectionsSM Disease Management Program Conditions/Clinical Content

*Not scored by Clinical Stratification and Identification (CSID) identification process**Addressed as a comorbid condition

Introducing Aetna’s Medical Products

How do I pick the right health benefits and insurance plan?Aetna offers four families of plans in Nevada: CPOS, PPO, CPOS HDHP and PPO HDHP

Aetna’s provider network in Nevada has more than 3,000 physicians and 29 hospitals.* So whichever plan you choose, you should be able to find the doctor who best suits your needs.

CPOS �,121 doctors, 29 hospitals*

Indemnity 2,88� doctors, 16 hospitals*

PPO 2,88� providers, 16 hospitals*

Use our improved DocFind site to find a provider, primary care physician or dentist.

Aetna.com/docfind

You also can call us at 888-702-3862 to request provider information. And call 877-238-6200 to find a dentist.

* According to the Aetna Enterprise Provider Database as of February1, 2009. Network subject to change.

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Plan Features

CPOS

PPO

CPOS HDHP

PPO HDHP

Coverage for preventive care • • • •

No PCP requirement • • • •

No referrals • • • •

Out-of-network access • • • •

Walk-in Clinics • • • •

No claim forms (in-network) • • • •

A fund established to pay for eligible out-of-pocket health care expenses

• •

Tax-preferred account • •

Premium affordability scale ($-$$$ from lowest to highest costs) $$ $$ $ $

Choose the right health plan for you and your family in 3 easy steps:

1. How much are you spending?Evaluate your pay stubs, receipts and canceled checks for all your medical spending and add the total amount to the total cost of your premium, copayments, deductibles and coinsurance. Think about your needs for next year. Here are some common scenarios:

■ Are you or your dependents scheduled for any surgical procedures?

■ Will you be seeing a specialist for a recently diagnosed condition?

■ Are you or your spouse pregnant or planning a pregnancy?

2. What are your choices?Check with your company to see which plans are available.

■ Compare the premium, deductibles, copayments and out-of-pocket maximums on each plan.

■ Review the limitations on each plan: Chiropractic care, acupuncture and physical therapy are some common benefits with limited visits.

3. Choose the right plan …Now that you know your health care spending for the past year and the plan choices offered by your employer, determine your needs for the coming year.

■ Add up what you will pay for premiums, copayments and deductibles under your new plan based on last year’s expenses or what you think might happen this year.

■ Review the coinsurance maximum amount and decide if it’s affordable should a major medical condition develop.

■ Remember: The most expensive plan is not necessarily the best one for you and your family.

■ Complete the process by submitting the necessary paperwork and updating your doctors of any changes.

Health care terms to know

Premiums are the amount you pay for your insurance policy, often deducted from your paycheck.

Deductibles are paid out of pocket each year before your medical plan covers expenses. Each family member usually has a separate deductible to meet before the medical plan starts coverage.

Copayments (copay) are flat fees charged each time you visit the doctor or use certain medical services, regardless of the cost of the procedure. Doctor’s visits and pharmaceutical purchases are often subject to copays.

Coinsurance requires you to pay a percentage of the cost of the medical services. Most plans require either a coinsurance or copay: usually not both.

Coinsurance maximum or maximum out-of-pocket expense is the maximum amount you’ll have to spend before all of your medical bills are covered by the medical plan. Sometimes, certain services, such as pharmacy, may not count toward the coinsurance maximum.

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Nothing is more reassuring than knowing financial resources are available when you need them most. Aetna’s Group Term Life and Disability Insurance provide you and your dependents financial support when it counts.

Protection for the future

Having options is essential to choosing the appropriate benefits package. You’ll be glad to know that your employer has selected Aetna to offer you a variety of life insurance products, and with more than 150 years industry experience, your future is in good hands.

Basic Term LifeThe building block of financial security. You get company-sponsored protection with flexible benefit schedules and guaranteed coverage up to a designated amount.

Dependent Term LifeFinancial protection for your spouse and dependent children.

AD&D Ultra®

This leading-edge product provides you better financial security than typical accidental death and dismemberment plans and then some. That’s because AD&D Ultra includes coverage for education or dependent child-care expenses upon the death of the insured.

Guard against the unexpected Suffering a disabling illness or injury doesn’t have to deprive you of financial security. Your employer has selected Aetna’s Group Disability Insurance to offer you an affordable way to protect your income in the event of an injury or sickness. Beyond providing partial replacement of lost income, our plans offer support services to help improve your health and well-being. Our goal is to provide the assistance you need to return to health and back to work.

Short Term DisabilityProtects a portion of your income and offers peace of mind if you have become ill or injured and require a temporary absence from work.

Long Term DisabilityProtects you from the financial impact of catastrophic illness or injury, usually picking up where short-term disability policies leave off.

Insurance solutions you can rely on — Aetna’s Group Life and Disability Insurance for Small Group Employees

Aetna’s Life and Disability plans protect you from financial loss.

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S T E P 2 :

Complete all the category selections — note there are required fields to complete.

■ Decide how you’d like to search for a provider — by zip code, city, or county or use QUICK SEARCH if you already have a provider’s name.

■ Next, select your personal search parameters:

> Provider category includes doctors, dentists, hospitals, etc.

> Provider type includes specialist and primary care providers.

> The Aetna plan that you enrolled in.

> Check ADDITIONAL SEARCH CRITERIA for an enhanced search that includes criteria such as gender and language spoken.

S T E P 1 :

Start your search at www.aetna.com.

Below the Shortcuts column on the right, select FIND A DOCTOR and I ACCEPT. First-time Aetna members can register with either their Aetna Member ID or Social Security number or conduct a general search. To reach DocFind if you are already enrolled in an Aetna plan, simply log in to Aetna Navigator.

S T E P 3 :

Click START SEARCH for a listing of all the providers in your geographical area.

How will I find a Doctor or Specialist?

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Since 2005, Aetna has empowered members with our industry-leading suite of member tools. You can make more informed health care decisions by using our online transparency tools before visiting a doctor or hospital.*

Our transparency tools allow you to:

■ view and compare rates for participating doctors

■ lookup costs for medical procedures at facilities in select locations around the country

■ use at your convenience since the information is available 24/7 through Aetna Navigator, our secure member website, and DocFind, our online directory of doctors and facilities

Aetna’s Health Care Transparency tools

Understanding the true cost for health care puts you in the driver’s seat.

Follow these steps to access our online Health Care Transparency tools:

1. Once registered, log on to Aetna Navigator and access the Cost of Care page from your Aetna Navigator home page

2. From the Cost of Care page, you can access a number of tools:

■ Search for doctors’ rates by:

> Search for your doctor/specialist using DocFind’s Search by Name function —

> Click Provider Detail

> Access the tabs at the top of the Provider Detail screen linking to View Rates for Aetna Members

■ Look up costs for medical procedures at hospitals and other facilities by selecting Compare actual cost ranges by facility

■ Get estimated average costs for other procedures and services to compare in- and out-of-network costs

* Always consult your doctor about your health care decisions. Members cannot view rates for dentists, vision providers or certain types of health care professionals with these tools. .

Now that I’ve selected a plan, how do I enroll?

Please be sure to complete your application thoroughly.The sections noted below are frequently overlooked.

Include your date of hire.Check the medical plan in which you are enrolling.

Be sure to note the total number of dependents you are enrolling (excluding yourself).

For each enrollee, include a Social Security Number, as well as Height and Weight information.

List all prior coverage and attach appropriate documentation.

Sign and date here to complete the application.

Sign here if you are waiving coverage for yourself or any dependents.

2�

Additional information, including precertification number for mental health and substance abuse services.

Your member ID card

After you enroll, you will receive ID cards that look like this. Make sure to present your Aetna ID card when receiving care from participating providers or when accessing emergency care. Your ID card identifies you as an Aetna member.

Plan in which you are enrolled.

Call this number to speak with a Member Services representative.

000000-000-00000

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If you need this material translated into another language, please call Member Services at 1-888-98-AETNA (1-888-982-�862).Si usted necesita este documento en otro idioma, por favor llame a Servicios al Miembro al 1-888-98-AETNA (1-888-982-�862).This material is for information only and is neither on offer or invitation to contract. The models depicted are not Aetna members. An application must be completed to obtain coverage. Rates and benefits vary by location. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care of guarantee access to health services. If you are in a plan that requires the selection of a primary care physician and your primary care physician is part of an integrated delivery system or physician group, your primary care physician will generally refer you to specialists and hospitals that are affiliated with the delivery system or physician group. Health/dental benefits and insurance plans and life and disability insurance plans/policies contain exclusions and limitations.

Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional.

HealthEquity, Inc. is the custodian of health saving accounts and independently offers Investment services.

Aetna receives rebates from drug manufacturers 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.

Information is believed to be accurate as of the production date and is subject to change. For more information about Aetna plans, refer to aetna.com.

Review the material in this brochure and speak with your employer or human resources representative about the choices available to you.

We look forward to welcoming you and your family as our newest members!

©2009 Aetna Inc.14.05.902.1-NV C (02/09)