1. 0 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. Benefits 101: Choosing the right plan for you Federal Employee Plans

2. 1  Choice of Plans and Coverage  No waiting period  No pre-existing condition limitations  Salary deduction  Government contributes 72%  Annual enrollment opportunity FEHBP Features Federal Employee Plans  Aetna, Inc. for presentation purposes only

3. 2 Provider/PCP Referral In-Network vs. Out-of-Network Co-pay Coinsurance Deductible Common Healthcare Terms Federal Employee Plans  Aetna, Inc. for presentation purposes only

4. 3 Plans and Coverage  PPO  FFS  HDHP with an HSA  CDHP w/ HRA  HMO  And there’s more  High, Basic, Standard  FSA  FEDVIP Making Sense of the Acronyms! Federal Employee Plans  Aetna, Inc. for presentation purposes only

5. 4 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) Making Sense of the Acronyms! Federal Employee Plans  Aetna, Inc. for presentation purposes only

6. 5 Comparing the types of plans: PPO vs. HMO Federal Employee Plans  Aetna, Inc. for presentation purposes only 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 PPO Nationwide network of preferred providers Allows you to choose providers in and out-of- network No referrals Deductible & Coinsurance

7. 6  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. What do you get for your health plan dollars? Federal Employee Plans  Aetna, Inc. for presentation purposes only

8. 7 Compare. There’s more to it than just the premium these days: Federal Employee Plans $773 Premium Savings + Annual Fund of $1250 Self –Example Only Common PPO Plans PPO Network Plans (CDHP) Your Plan Employee Premium Contribution (Bi-weekly premium x 26) $1,825$1,052 Carrier deposit to your fund (amount if any) $0$1,250 Deductible + Hospital Co-payment $300 Annual $200/Admission $750 In-Network Coinsurance Level 90% Catastrophic OOP Maximum (In Network) $5,000$3,000  Aetna, Inc. for presentation purposes only Are there tax saving? Can you carry over unused funds? Is preventive care free?

9. 8 Example of CDHP Plan with PPO Network Federal Employee Plans 1) Medical & Dental Funds Medical: Single- $1,250 / Family-$2,500 Dental: Single- $300 / Family-$600 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) 100% Preventive Care In-Network  Aetna, Inc. for presentation purposes only

10. 9 Example of HDHP Plan with PPO Network Federal Employee Plans 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 Monthly Deposits Single- $62.50/month Family- $125/month Member Contributions (optional) Single- up to $2,250/year Family- up to $4,450/year  Aetna, Inc. for presentation purposes only

11. 10 FFS PPO Network Plans Federal Employee 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. 11 HMO Network Plans Federal Employee 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. 12  Eyewear & Vision services  Weight loss programs  Fitness programs  Chiropractic & Acupuncture services  Massage Therapy  Vitamins  Mail Order Rx What about Perks? Federal Employee Plans Common Special Discounts :  Aetna, Inc. for presentation purposes only

14. 13 What dental and vision benefits are in your Medical Plan:  Screenings?  Cleanings?  Fillings?  Reimbursement for eyewear? Do you need a separate Dental or Vision plan? Federal Employee Plans  Aetna, Inc. for presentation purposes only

15. 14 How can you choose the right plan? Federal Employee Plans 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. 15  Research now before Open Season  www.OPM.gov/Insure www.OPM.gov/Insure  www.benefeds.com www.benefeds.com  Do the math now – Budget your expected medical expenses  Do you now how to enroll? Now what? Federal Employee Plans  Aetna, Inc. for presentation purposes only

17. 16 Thanks for coming! Questions? Federal Employee Plans  Aetna, Inc. for presentation purposes only