1. Employee Presentation
2008 BENEFITS OVERVIEW
Employee Presentation

2. AETNA Benefits Offering Overview
Multiple Medical Plans: HSA, HRA, HMO, PPO
Choice of Two Dental Plans: Dental PPO or Dental
Maintenance Organization – DMO (available in some
areas)
Supplemental Life Insurance for Employee, Spouse
& Children
New 01/01/08 – During the 90 day benefit waiting period
staff & contractor core benefit eligible employees
will be eligible for a limited medical (mini-med)
plan (SRC)

3. What’s the Difference Between Coinsurance and Copay?
Coinsurance is the percentage of covered expenses paid by the health insurance plan after the deductible is met. This percentage varies depending on the plan design
In this example, a health insurance plan covers 80% (in-network) of medical expenses after the deductible is met
The member pays the remaining 20%
Health Ins. Plan
pays $80 (or
80% coinsurance)
Doctor Bills
$100
Member
Pays $20
(or 20%
coinsurance)
A copayment is a fixed-dollar amount paid for covered medical expenses ]
HRA 5, 12/06

4. What is a Consumer-Directed Health Plan?
Why does PDS advocate consumer driven healthcare?
Informed consumers make better decisions. Lower spending leads to lower premium increases.
Consumer-directed health plans, or CDHPs,
are made up of three elements:
An underlying deductible-based health
insurance plan
A fund or account that you can use to help
pay for qualified, out-of-pocket medical
expenses
Interactive tools and information to help you
make informed health care decisions ]
HRA 5, 12/06

5. How Do Consumer-Directed Health Plans Work?
Preventive Care Covered at 100%
All Other Care
Health care FUND for out-of-pocket medical expenses 1 2
You pay medical expenses until you meet DEDUCTIBLE 3
Underlying insurance plan provides coverage with COINSURANCE or COPAY
Out of Pocket Maximum
Information and Decision Support Tools

6. HSA – Health Savings Account
The plan includes two components, the underlying medical
plan, and a Health Savings Account
The underlying medical plan is deductible based, therefore
the deductible must be satisfied before any expenses are
payable, with the exception of preventative
Once the deductible is satisfied a percentage of expenses are
paid by the plan
$2,500 ee/$5,000 family – In Network
$3,000 ee/$6,000 family – Out-of-Network
The provider network for the HSA is the same as the PPO plan
The second component of the plan, is an account that you
can use to help pay for qualified out-of-pocket expenses
Long-term investment options
Unused account balances roll over year-to-year
The account is yours to keep even if you change employers
or medical plans
You determine how & when your Health Savings Account
dollars are used

7. How does a Health Savings Account (HSA) Work?
Contribute tax free
Reimburse qualified expenses tax free
Save for future expenses
Grow the account with interest and/or choose the HSA investment services offered
Medical and Prescription Drug Plan Benefits
Preventive care covered at 100%
Meet the plan deductible), then
Pay coinsurance
Out-of-pocket maximum limits amount you pay annually
Manage Your
Health Care
Secure, personalized online services
Track HSA activity, monitor savings
Find a doctor, estimate cost of care, compare hospitals
Research health topics and medications

8. How Much May I Contribute to my HSA?
2008 annual maximum
$2,900 per individual
$5,800 per family
Catch Up Contributions
Individuals age 55 to 64
$900 for 2008
Amount increases $100 per year until 2009
If age 65+ and enrolled in Medicare Part A or B
HSA may remain open
No additional contributions can be made

9. The Value of Tax-Advantaged HSA Savings* Over Time
Annual Contribution Amounts
Tom, Age 39
$1,000
$2,000
$3,000
Total Savings for Future Medical Expenses** (at age 65)
$34,343
$68,687
$103,032
Annual Tax Savings
$330
$660
$990
Accumulated Tax Savings (at age 65)
$8,580
$17,160
$25,740
*Employers and employees should consult with a tax advisor to determine eligibility requirements and tax advantages
associated with participating in the Aetna HealthFund HSA plan.
**Based on an estimated 2 percent investment rate of return each year. Assumes member is in the HSA for an entire
year and contributing up until the age selected (65) and that the contribution rate and interest rate selected remain
constant until the age that the member stops contributing.

10. HRA – Health Reimbursement Account
The plan pays the first $500 (ee only) or $1,000 (family)
covered expenses at 100%
Any remaining fund amounts ($500/$1,000) can be
rolled over to the next plan year
Once the health fund is exhausted, you will need to
satisfy a deductible
$3,000 ee/$6,000 family – In Network
$6,000 ee/$12,000 family – Out of Network
Expenses paid by your health fund also reduce the
deductible
Preventative services payable at 100%. The health fund and
and deductible is waived.
Plan uses the same provider network as the PPO plan
You determine how & when your health fund dollars are used.
Unused health fund balance is forfeited when you move to
another plan or terminate employment

11. How Does a Health Reimbursement Account (HRA) Work?
The Fund
Use your employer-provided fund to pay for eligible medical expenses.
Rollover: Unused fund balance rolls
over to next year’s fund balance.
The Deductible
If the fund is exhausted, you pay for the remaining or future expenses until your deductible is met.
The Base
Insurance Plan
If the fund is exhausted and the deductible met, your base insurance plan begins to pay toward covered expenses. You pay a coinsurance amount for eligible expenses. ]
HRA 5, 12/06

12. HMO – Health Maintenance Organization (Not available in all locations)
Selection of a Primary Care Provider (PCP) is required. Your PCP will manage your overall care.
The plan does not have a deductible
You pay a fixed dollar co-pay for office visits & preventative care
A referral from your PCP is required for services not provided by the PCP
There is no out-of-network coverage
You will pay a higher premium to have a flat dollar co-pay for office visits

13. PPO – Preferred Provider Organization
You pay a fixed dollar co-pay for office visits & preventative care
You must satisfy the deductible before any expenses, other than office visits are payable
Plan includes out of network coverage, at reduced reimbursement
The most expensive premium for the least amount of benefits

14. Open Enrollment Tools and Support
Aetna Navigator, Your Secure Personal Website…
Take a tour of the website’s key features
Estimate the Cost of Care Suite of Tools
Health Information on conditions & alternative options
Quality of participating providers
24 x 7 availability
Online Tutorials
HSA and HRA plans
HSA Savings Calculator
Explore the savings potential of an HSA

15. NEW FOR 01/01/08 SRC – LIMITED MEDICAL PLANS
Staff & core benefit eligible employees will be eligible for
SRC during the 90-day probationary period
There are two plan options available, $5,000 or
$10,000 plan maximum
The plan provides limited coverage for office visits,
pharmacy expenses, hospital services
Access to Aetna’s negotiated provider discounts usually
discounts average 40% - 60%)
Provides employee’s a low cost alternative other than
continuing COBRA coverage during benefit waiting period

16. 2008 Plan Design Changes HSA – No changes HRA – No changes HMO PPO
PCP - $40, Specialist $50 Co-pays
Rx - $15/$20/50%
Inpatient & Outpatient Co-insurance – 70%/30%
PPO
Inpatient Co-insurance – 70%/30%
Outpatient Co-insurance – 50%/50%

17. 2008 Open Enrollment October 22 – November 4
No password required
Plan Designs
Tutorials – Aetna Navigator, HSA and HRA Plans, Printing ID Cards, etc.
Requires social security # and password
SSN entered as numerals only
Password is reset to MMYY of date of birth
Print confirmation statements online
No mailing of confirmation statements

18. Open Enrollment Questions
PDS Benefits Website
Julie Barton – ext 10135
Lorri Bloom – ext 10132
Jathan Van Winkle ext 10145

19. Benefits Websites
Aetna –
VSP – Vision Service Plan -
Hyatt Legal –
Personal Care –