U.S. Office of Personnel Management www.opm.gov - Recruiting, Retaining and Honoring a World-Class Workforce to Serve the American People

RI 70-9

Revised November 2003

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OFFICE OF THE DIRECTOR

UNITED STATES
OFFICE OF PERSONNEL MANAGEMENT
WASHINGTON, DC 20415-1000

Dear Federal Employees Health Benefits Program Participant:

It is hard to believe that a year has passed and the Federal Employees Health Benefits (FEHB) Open Season is here again. This is your annual opportunity to evaluate your personal needs and, if necessary, change health plans. I am pleased to present the 2004 FEHB Guide to help you with your evaluation.

It takes a lot of information to help a consumer make wise healthcare decisions. The information in this Guide and our web-based resources make it easier than ever to get information about premiums, to compare benefits, to read customer service satisfaction ratings for the national and local plans that may be of interest, and to learn about quality information from the National Committee for Quality Assurance, the Joint Commission on Accreditation of Healthcare Organizations, and URAC.

The FEHB Program continues to be an enviable national model that offers exceptional choice, and uses private-sector competition to keep costs reasonable, ensure high-quality care, and spur innovation. The Program, which began in 1960, is sound and has stood the test of time. It enjoys one of the highest levels of customer satisfaction of any healthcare program in the country. President Bush has chosen the FEHB as a model for modernizing and improving Medicare.

I continue to take aggressive steps to keep the FEHB Program on the cutting edge of employer-sponsored health benefits. We demand cost-effective quality care from our FEHB carriers and we have encouraged Federal agencies and departments to pay the full FEHB health benefit premium for their employees called to active duty in the Reserve and National Guard so they can continue FEHB coverage for themselves and their families. Our carriers have also responded to my request to help our members to be prepared by making additional supplies of medications available for emergencies as well as call-up situations and you can help by getting an Emergency Preparedness Guide at www.opm.gov. OPM's HealthierFeds campaign is another way the carriers are working with us to ensure Federal employees and retirees are informed on healthy living and best-treatment strategies. You can help to contain healthcare costs and keep premiums down by living a healthy life style.

Open Season is your opportunity to review your choices and to become a better educated consumer to meet your healthcare needs. Use this Guide, the health plan brochures, and the web resources at www.opm.gov/insure to make your choice an informed one. Finally, if you know someone interested in Federal employment, refer them to www.usajobs.gov.

Sincerely,

Kay Coles James
Director

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Table of Contents

• Changing Enrollment During Open Season
• Picking a Health Plan
• Preventing Medical Mistakes
• FEHB Web Resources
• Program Features
• Definitions
• The Federal Long Term Care Insurance Program
• Stop Health Care Fraud
• Program Features
• Nationwide Fee-For-Service Plans and Consumer-Driven Plans Open to All
• Nationwide Fee-For-Service Plans Open Only to Specific Groups
• Health Maintenance Organization Plans, Plans Offering a Point of Service Product, and Consumer-Driven Plans

Things to Remember

• The plan you choose can make a difference in your health.
• Be aware of benefit changes for 2004.
• Check the premium for 2004.

The information in this Guide gives you an overview of the FEHB Program and its participating plans. Read the plan brochures before you make any final decisions about health plans.

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WARNING — Do not cancel your enrollment before reading this section.

Each year, in early November, your current health benefits plan sends you a brochure, and your retirement office sends you instructions for ordering brochures and making Open Season changes. It is very important that you keep your address up to date to ensure that you receive your Open Season materials each year. If you move, please be sure to let your retirement office know your new address.

Your new plan will mail you an identification card. If you need services before you receive your new card, contact your new plan at the member services number in your brochure.

If you decide not to change your enrollment, no action is necessary.

You may voluntarily cancel your enrollment at any time. However, once your cancellation takes effect, you probably will not be able to enroll again as a retiree. You will not be entitled to a 31day extension of coverage for conversion to a non-group (private) policy and neither you nor your family members will be entitled to temporarily continue coverage.

You will not be able to reenroll in FEHB except under the following circumstances:

• You have been continuously covered as a family member under another enrollment in FEHB since the date of your cancellation, and you lose the coverage because the enrollment ends or the enrollee changes from self and family to self only; or
• You suspended your FEHB coverage to enroll in a Medicare+Choice plan (these are Health Maintenance Organization or Fee-for-Service plans approved by the Center for Medicare and Medicaid Services), or because you are eligible under Medicaid or a similar state-sponsored program of medical assistance for the needy, or because you are enrolled with TRICARE, TRICARE For Life or CHAMPVA military program.

For more information on how to suspend your FEHB enrollment, contact your retirement office. Time limitations and other restrictions apply. For instance, you must submit eligibility documentation that you are suspending FEHB to enroll in one of the other programs listed in case you wish to reenroll in the FEHB Program at a later time.

If you have suspended FEHB coverage for one of the eligible programs (and submitted the required documentation) but now want to enroll in the FEHB Program again, you may enroll during Open Season. You may reenroll outside Open Season only if you move out of the Medicare+Choice plans service area, or you involuntarily lose coverage under one of the eligible programs. If you cancel your coverage for any reason, you cannot reenroll.

If the Original Medicare Plan is your primary payer, which is generally the case if you have Medicare and are not working, check the plan brochure to see if the plan waives some of its FEHB cost-sharing (e.g., deductibles, coinsurance, or copayments. This information is located in each plan brochure in Section 9, Coordinating benefits with other coverage.

If you are interested in an HMO plan, some FEHB HMOs also offer Medicare+Choice. If you enroll in both the FEHB HMO and its Medicare, your FEHB cost-sharing may be reduced. This information is also located in Section 9 of the brochure for plans with Medicare+Choice.

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Step 1: What type of health plan is best for you? You have some basic questions to answer about how you pay for and access medical care. This is because Fee-for-Service (FFS) plans -- with and without a Preferred Provider Organization (PPO), Health Maintenance Organizations (HMO), Point-of-Service (POS) plans, and Consumer-Driven plans all operate differently.

	Fee-for-Service w/PPO	Fee-for-Service w/o PPO	Health Maintenance Organization	Point-of-Service	Consumer-Driven Plans
Choice of doctors, hospitals, pharmacies, and other providers	You must use the plan's network for full benefits. Not using PPO providers means only some or none of your benefits will be paid.	You may use any doctor, hospital, etc. Benefits are not limited by where you get care.	You generally must use the network; no benefits outside of the network - you pay all costs.	You must use network for full benefits. You may go outside the network but it will cost you more.	You may use network and non-network providers. Not using the network will cost you more.
Specialty care	Referral not required to get full benefits.	Referral not required to get full benefits.	Referral generally required from primary care doctor to get benefits.	Referral required to get full benefits.	Referral not required to get full benefits.
Out-of-pocket costs	You pay fewer costs if you use a PPO provider than if you don't.	You pay regular plan out-of-pocket costs.	Your out-of-pocket costs are generally limited to copayments.	You pay less if you use a network provider than if you don't.	You pay less if you use a network provider than if you don't.
Paperwork	Some if you don't use network providers.	You have to file your own claims.	Little, if any.	Little if you use the network. You will have to file your own claims if you don't use the network.	Some if you don't use network providers.

See Definitions starting on page 8 for a more detailed description of each type of plan.

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Picking a Health Plan

Step 2: What services are important to you and what health care do you expect to use? Refer to your medical and insurance records from last year as a guide to what services you might use this year. Add up the actual costs to you, including premiums. Estimate what you might spend on your health care for deductibles, coinsurance/copayments, and services that are not covered. Are there any annual limits for days or services covered and on the dollar amount the plan will spend on you? What is the maximum you will have to pay out-of-pocket each year?

Consult the health plans' brochures to find this benefit information. Copies of brochures as well as a tool to complete this sheet on-line are on our web site at www.opm.gov/insure/archive/health.

	Health Plan ___________	Health Plan ___________	Health Plan ___________
Annual premium
Office visit to primary care doctor
Office visit to specialist
Hospital inpatient deductible/ copay/ coinsurance
Hospital room & board charges
Generic drug (local pharmacy)
Brand name drug (local pharmacy)
Catastrophic protection limit
Mental health care visits
Home health care visits
Durable medical equipment
Maternity care
Well-child care
Routine physicals
Accreditation
The following information can be found in the Member Survey Results section in the benefit charts.
Overall member satisfaction with plan
Getting needed care
Getting care quickly
How well doctors communicate
Customer service
Claims processing

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Picking a Health Plan

Step 3: Consider quality. Quality is how well health plans keep their members healthy or treat them when they are sick. Good quality doesn't always mean receiving more care. Good quality health care means doing the right thing at the right time, in the right way, for the right person to achieve the best possible results. We provide two types of quality information in the plan benefit charts: independent evaluations (accreditation) from private organizations and evaluations by enrollees (member survey).

Accreditation evaluations shown in this Guide are performed by the National Committee for Quality Assurance (NCQA), the Joint Commission on Accreditation of Healthcare Organizations (JCAHO), and URAC. The following are the accreditation levels used by each organization. The codes correspond to a plan's accreditation level as shown in the plan comparison section.

National Committee for Quality Assurance (www.ncqa.org)	Excellent - Levels of service and clinical quality that meet or exceed NCQA's requirements for consumer protection and quality improvement AND achieve health plan performance results that are in the highest range of national or regional performance. Code N1	Commendable - Meets or exceeds NCQA's requirements for consumer protection and quality improvement. Code N2	Accredited - Meets most of NCQA's requirements for consumer protection and quality improvement. Code N3	Provisional - Meets some but not all of NCQA's requirements for consumer protection and quality improvement. Code N4	New Health Plan - Applies to health plans that are less than two years old. Code N6
Joint Commission on Accreditation of Healthcare Organizations (www.jcaho.org)	Accreditation with Full Compliance - Demonstrates satisfactory compliance with JCAHO standards in all performance areas. Code J1	Accreditation with Requirements for Improvement - Demonstrates satisfactory compliance with JCAHO standards in most performance areas. Code J2	Provisional - Demonstrates a previously unaccredited plan's satisfactory compliance with a subset of standards. Code J3	Conditional - Demonstrates failure to meet standard (s) or specific policy requirement(s) but is believed capable to do so in a specified time period. Code J4
URAC (www.urac.org)	Full Accreditation - Demonstrates full compliance with standards. Code U1	Conditional - Meets most of the standards but needs some improvement before achieving full compliance. Code U2	Provisional -A plan that has otherwise complied with all standards but has been in operation for less than 6 months. Code U3

Note. This chart shows the accreditation levels available under each accrediting organization listed. It is not intended to draw comparisons among the different accrediting organizations.

Member Survey results, shown in the plan comparison sections, are collected, scored, and reported by an independent organization - not by the health plans. Here is a brief explanation of each survey category.

Overall Plan Satisfaction	How would you rate your overall experience with your health plan?
Getting Needed Care	Were you satisfied with the choices your health plan gave you to select a personal doctor? Were you satisfied with the time it takes to get a referral to a specialist?
Getting Care Quickly	Did you get the advice or help you needed when you called your doctor during regular office hours? Could you get an appointment for regular or routine care when you wanted?
How Well Doctors Communicate	Did your doctor listen carefully to you and explain things in a way you could understand? Did your doctor spend enough time with you?
Customer Service	Was your plan helpful when you called its customer service department? Did you have paperwork problems? Were the plan's written materials understandable?
Claims Processing	Did your plan pay your claims correctly and in a reasonable time?

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Preventing Medical Mistakes

An influential report from the Institute of Medicine estimates that up to 98,000 Americans die every year from medical mistakes in hospitals alone. That's about 3,230 preventable deaths in the FEHB Program a year. While death is the most tragic outcome, medical mistakes cause other problems such as permanent disabilities, extended hospital stays, longer recoveries, and even additional treatments. By asking questions, learning more and understanding your risks, you can improve the safety of your own health care, and that of your family members. Take these simple steps:

1. Ask questions if you have doubts or concerns.

• Ask questions and make sure you understand the answers.
• Choose a doctor with whom you feel comfortable talking.
• Take a relative or friend with you to help you ask questions and understand answers.

2. Keep and bring a list of all the medicines you take.

• Give your doctor and pharmacist a list of all the medicines that you take, including non-prescription medicines.
• Tell them about any drug allergies you have.
• Ask about side effects and what to avoid while taking the medicine.
• Read the label when you get your medicine, including all warnings.
• Make sure your medicine is what the doctor ordered and know how to use it.
• Ask the pharmacist about your medicine if it looks different than you expected.

3. Get the results of any test or procedure.

• Ask when and how you will get the results of tests or procedures.
• Don't assume the results are fine if you do not get them when expected, be it in person, by phone, or by mail. Call your doctor and ask for your results.
• Ask what the results mean for your care.

4. Talk to your doctor about which hospital is best for your health needs.

• Ask your doctor which hospital has the best care and results for your condition if you have more than one hospital to choose from to get the health care you need.
• Be sure you understand the instructions you get about follow-up care when you leave the hospital.

5. Make sure you understand what will happen if you need surgery.

• Make sure you, your doctor, and your surgeon all agree on exactly what will be done during the operation. Ask your doctor, "Who will manage my care when I am in the hospital?"
• Ask your surgeon:
• Exactly what will you be doing?
• About how long will it take?
• What will happen after surgery?
• How can I expect to feel during recovery?
• Tell the surgeon, anesthesiologist, and nurses about any allergies, bad reaction to anesthesia, and any medications you are taking.

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Want more information on patient safety?

• www.ahrq.gov/consumer/pathqpack.htm. The Agency for Healthcare Research and Quality makes available a wide-ranging list of topics not only to inform consumers about patient safety but to help choose quality healthcare providers and improve the quality of care you receive.
• www.npsf.org. The National Patient Safety Foundation has information on how to ensure safer healthcare for you and your family.
• www.talkaboutrx.org/consumer.html. The National Council on Patient Information and Education is dedicated to improving communication about the safe, appropriate use of medicines.
• www.leapfroggroup.org. The Leapfrog Group is active in promoting safe practices in hospital care.
• www.ahqa.org. The American Health Quality Association represents organizations and healthcare professionals working to improve patient safety.

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The FEHB web site at www.opm.gov/insure/archive/health can help you to choose your health plan and enroll. In addition to the information found in this Guide you will find:

• An interactive tool that will allow you to find the health plans that service your area and will allow you to make side-by-side comparisons of the costs, benefits, and quality indicators of the plans that interest you.
• Electronic versions of all plan brochures.
• An evaluation of how your plan compares to other plans and the FEHB average in important medical areas under the Health Plan Employer Data and Information Set (HEDIS). HEDIS is a set of standardized performance measures that allows users to reliably compare managed care health plan performance across specific clinical areas. The performance measures are related to many significant public health issues such as cancer, heart disease, asthma, and diabetes. Compare plan results at www.opm.gov/insure/archive/health/hedis2002.

• Information on enrolling, with the ability to enroll online for annuitants and employees of selected agencies.
• Information on how plans in the FEHB Program coordinate benefit payments with Medicare.
• A comprehensive set of Frequently Asked Questions and answers on all aspects of the Program.
• An online version of the FEHB Handbook for detailed guidance on FEHB policies and procedures.

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Program Features

• No Waiting Periods. You can use your benefits as soon as your coverage becomes effective. There are no pre-existing condition limitations even if you change plans.
• A Choice of Coverage. Choose between Self Only or Self and Family.
• A Choice of Plans and Options. Select from Fee-For-Service (with the option of a Preferred Provider Organization), Health Maintenance Organization, Point of Service plans, or Consumer-Driven plans.
• A Government Contribution. The Government pays 72 percent of the average premium toward the total cost of your premium, but not more than 75 percent of the total premium for any plan.
• Annual Enrollment Opportunity. Each year you can change your health plan enrollment. This year the Open Season runs from November 10, 2003, through December 8, 2003. Other events allow for certain types of changes throughout the year. See your Human Resources office or Retirement office for details.
• Continued Group Coverage. Eligible participants can continue coverage following retirement, divorce, death, or changes in employment status. See your Human Resources office or Retirement office for more information.
• Coverage after FEHB Ends. You or your family members may be eligible for temporary continuation of FEHB coverage or for conversion to non-group (private) coverage when FEHB coverage ends. See your Human Resource office or Retirement office for more information.

• Consumer Protections. Go to www.opm.gov/insure/archive/health/consumers to see your appeal rights to OPM if you and your plan have a dispute over a claim; to read the Patients' Bill of Rights and the FEHB Program; and to learn about your privacy protections when it comes to your medical information.

  If the Original Medicare Plan is your primary payer, which is generally the case if you have Medicare and are not working, check the plan brochure to see if the plan waives some of its FEHB cost-sharing (i.e., deductibles, coinsurance, or copayments). This information is located in each plan brochure in Section 9, Coordinating benefits with other coverage.

  If you are interested in an HMO plan, some FEHB HMOs also offer Medicare+Choice. If you enroll in both the FEHB HMO and its Medicare+Choice, your FEHB cost-sharing may be reduced. This information is also located in Section 9 of the brochure for plans with Medicare+Choice.

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Accreditation - The status granted to a health care organization following a rigorous and comprehensive evaluation performed by independent organizations. The evaluation also includes an assessment of the care and service plans are delivering in important areas of public concern such as immunization rates, mammography rates, and member satisfaction.

Brand name drug - A prescription drug that is protected by a patent, supplied by a single company, and marketed under the manufacturer's brand name.

Coinsurance - The amount you pay as your share of the medical services you receive, like for a doctor's visit. Coinsurance is a percentage of the cost of the service (e.g., you pay 20%).

Consumer-Driven Plans - Describes a wide range of approaches to give you more incentive to control the cost of either your health benefits or health care. You have greater freedom in spending health care dollars up to a designated amount, and you receive full coverage for in-network preventive care. In return, you assume significantly higher cost sharing expenses after you have used up the designated amount. The catastrophic limit is usually higher than those common in other plans. Common features include full or partial employee responsibility for several thousand dollars in expenses, and catastrophic coverage covering costs above a certain level, usually higher than those common in other plans.

Copayment - The amount you pay as your share of the medical services you receive, like for a doctor's visit. Copayment is a fixed dollar amount (e.g., you pay $15).

Fee-For-Service (FFS) - Health coverage in which doctors and other providers receive a fee for each service such as an office visit, test, procedure, or other health care service. The health plan will either pay the medical provider directly or reimburse you for covered services after you have paid the bill and filed an insurance claim. When you need medical attention, you visit the doctor or hospital of your choice.

Formulary - A list of both generic and brand name drugs that are preferred by your health plan. Many prescription drugs produce the same results. Health plans choose formulary drugs that are medically safe and cost effective. A team including pharmacists and physicians meet to review the formulary and make changes as necessary.

Generic drug - A prescription that is not protected by a drug patent. A generic medication is basically a copy of the brand name drug. A generic drug may have a different color or shape than its brand name counterpart, but it must have the same active ingredients, strength, and dosage form (i.e., pill, liquid, or injection), and provide the same effectiveness and safety. Generics generally cost less than brand name drugs.

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Health Maintenance Organization (HMO) - A health plan that provides care through contracted or employed physicians and hospitals located in particular geographic or service areas. HMOs emphasize prevention and early detection of illness. Your eligibility to enroll in an HMO is determined by where you live or, in some plans, where you work.

In-Network - You receive treatment from the doctors, clinics, health centers, hospitals, medical practices, and other providers with whom your plan has an agreement to care for its members. Examples include a Fee-For-Service plan's PPO or a Health Maintenance Organization. Members have fewer out-of-pocket costs when they use in-network providers.

Out-of-Network - You receive treatment from doctors, hospitals, and medical practitioners other than those with whom the plan has an agreement, and pay more to do so. Members in a PPO-only option who receive services outside the PPO network generally pay all charges.

Point of Service (POS) - A product offered by an HMO or FFS plan that has both in-network and out-of-network features. In a POS you don't have to use the plan's network of providers for every service, but you generally pay more out of network.

Preferred Provider Organization (PPO) - The PPO is similar to FFS insurance except it uses a network of providers. PPOs give you the choice of using doctors and other providers in the network or using non-network providers. You don't have to use the PPO, but there are advantages if you do. (Be aware, however, that some of the services provided in a PPO hospital may not be covered by PPO arrangements. Room and board will be covered, but anesthesia and radiology, for instance, may be covered under non-PPO benefits.) Note that some FFS plans may offer an enrollment option that is "PPO-only." You must use network providers to receive benefits from a PPO-only plan.

Provider - A doctor, hospital, health care practitioner, pharmacy, or health care facility.

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It's important protection.

Here's why you should consider enrolling in the Federal Long Term Care Insurance Program:

• FEHB plans do not cover the cost of long term care. Also called "custodial care," long term care is help you receive when you need assistance performing activities of daily living - such as bathing or dressing yourself. This need can strike anyone at any age and the cost of care can be substantial.
• The Federal Long Term Care Insurance Program can help protect you from the potentially high cost of long term care. This coverage gives you control over the type of care you receive and where you receive it. It can also help you remain independent so you won't have to worry about being a burden to your loved ones.
• It's to your advantage to apply sooner rather than later. Long term care insurance is something you must apply for and pass a medical screening (called underwriting) in order to be enrolled. Certain medical conditions will prevent some people from being approved for coverage. By applying while you're in good health, you could avoid the risk of having a change in health disqualify you from obtaining coverage. Also, the younger you are when you apply the lower your premiums.
• You don't have to wait for an open season to apply. The Federal Long Term Care Insurance Program accepts applications from eligible persons at any time. You will have to complete a full underwriting application, which asks a number of questions about your health. However, if you are a new or newly eligible employee, you (and your spouse, if applicable) have a limited opportunity to apply using the abbreviated underwriting application, which asks fewer questions. If you marry, your new spouse will also have a limited opportunity to apply using abbreviated underwriting. Qualified relatives are also eligible to apply with full underwriting.

To find out more or to request an application

Call 1-800-LTC-FEDS (1-800-582-3337) (TTY 1-800-843-3557) or visit www.ltcfeds.com.

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Fraud increases the cost of health care for everyone and increases your Federal Employees Health Benefits Program (FEHBP) premium. OPM's Office of the Inspector General investigates all allegations of fraud, waste, and abuse in the FEHBP regardless of the agency that employs you or from which you retired.

Protect Yourself From Fraud - Here are some things you can do to prevent fraud:

• Be wary of giving your health plan identification number over the telephone or to people you do not know, except to your doctor, other provider, or authorized plan or OPM representative.
• Let only appropriate medical professionals review your medical record or recommend services.
• Avoid health care providers who say that an item or service is not usually covered, but they know how to bill your health plan to get it paid.
• Carefully review explanations of benefits (EOBs) that you receive from your health plan.
• Do not ask your doctor to make false entries on certificates, bills or records in order to get your health plan to pay for an item or service.
• If you suspect that a provider has charged you for services you did not receive, billed you twice for the same service, or misrepresented any information, do the following:
• Call the provider and ask for an explanation. There may be an error.
• If the provider does not resolve the matter, call your health plan and explain the situation.
• If they do not resolve the issue:

• Remember, FEHB covered family members may not include:
• your former spouse after a divorce decree or annulment is final (even if a court orders it); or
• your child over age 22 unless he/she is incapable of self support.
• If you have any questions about the eligibility of a dependent, check with your Human Resource office if you are employed or with OPM if you are retired.
• You can be prosecuted for fraud and your agency may take action against you if you falsify a claim to obtain FEHBP benefits or try to obtain services for someone who is not an eligible family member or who is no longer enrolled in the Plan.

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(Pages 16 through 19)

Fee-For-Service (FFS) Plans with a Preferred Provider Organization (PPO) — A FFS option that allows you to see medical providers who reduce their charges to the plan; you pay less money out-of-pocket when you use a PPO provider. When you visit a PPO you usually won't have to file claims or paperwork. However, going to a PPO hospital does not guarantee PPO benefits for all services received within that hospital. For instance, lab work and radiology services from independent practitioners within the hospital may not be covered by the PPO agreement.

Fee-For-Service (FFS) Plans (non-PPO) — An FFS plan that either pays the medical provider directly or reimburses you for covered medical expenses. When you need medical attention, you visit the doctor or hospital of your choice.

In PPO-only options, you must use PPO providers to receive benefits.

Consumer-Driven Plans — Describes a wide range of approaches to give you more incentive to control the cost of either your health benefits or health care. You have greater freedom in spending health care dollars up to a designated amount, and you receive full coverage for in-network preventive care. In return, you assume significantly higher cost sharing expenses after you have used up the designated amount. The catastrophic limit is usually higher than those common in other plans.

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Nationwide Fee-for-Service Plans Open to All

How to read this chart:

The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. The chart does not show all of your possible out-of-pocket costs.

The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay.

Calendar Year deductibles for families are two or more times the per person amount shown.

In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible. In other plans only purchases from local pharmacies count. Some plans require each family member to meet a per person deductible.

The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital.

Your share of Hospital Inpatient Room and Board covered charges is shown.

The Generic drug figure is the copayment or coinsurance most commonly paid by members of this health plan for a Generic formulary drug.

Continue this description.

Plan name	Telephone number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004
		Self only	Self & family	Self only	Self & family	Self only	Self & family
APWU Health Plan-High	800/222-2798	471	472	112.84	226.49	123.33	247.54
APWU Health Plan-Std	800/222-2798	474	475	78.87	186.99	84.39	196.51
Blue Cross and Blue Shield Service Benefit Plan-Std	Local phone #	104	105	98.93	227.98	105.95	244.58
Blue Cross and Blue Shield Service Benefit Plan-Basic	Local phone #	111	112	75.82	178.26	82.32	192.82
GEHA Benefit Plan-High	800/821-6136	311	312	145.53	291.29	165.19	331.61
GEHA Benefit Plan-Std	800/821-6136	314	315	59.58	135.42	65.54	148.96
Mail Handlers-High	800/410-7778	451	452	139.29	252.51	207.12	391.32
Mail Handlers-Std	800/410-7778	454	455	60.86	132.11	69.68	151.26
NALC	888/636-6252	321	322	104.95	189.48	111.98	201.03
PBP Health Plan-High	800-544-7111	361	362	346.27	717.21	396.63	822.86
PBP Health Plan-Std	800-544-7111	364	365	104.97	233.35	147.12	328.69

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Brand Name/Non-formulary is what you pay for a manufacturer's Brand name drug on this health plan's formulary. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in this column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a Non-formulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

The prescription drug copayments or coinsurances described in this chart do not represent the complete range of cost-sharing under these plans. Many plans have variations in their prescription drug benefits (e.g., you pay the greater of a dollar amount or a percentage, or you pay one amount for your first prescription and then a different amount for refills). The prescription drug figures in this chart show what most plan members pay for their medications under each plan. You must read the plan brochure for a complete description of prescription drug and all other benefits.

Plan	Benefit type	Medical Surgical - You Pay
		Deductible			Copay ($)/Coinsurance (%)
		Per Person		Hospital inpatient	Doctors		Hospital Inpatient Room & Board	Prescription Drugs
		Calendar Year	Prescription Drug		Office Visits	Inpatient Surgical Services		Generic	Brand Name/Non-Formulary	Mail Order Discounts
APWU-High	PPO	$275	None	None	$18	10%	10%	$8	25%	No
	Non-PPO	$500	None	$300	30%	30%	30%	50%	50%	No
APWU	PPO	$600	None	None	15%	15%	15%	25%	25%/25%	No
	Non-PPO	$600	None	None	40%	40%	40%	N/A	N/A	No
BCBS -Std	PPO	$250	None	$100	$15	10%	Nothing	25%	25%	Yes
	Non-PPO	$250	None	$300	25%	25%	30%	45%+	45%+	No
BCBS -Basic	PPO	None	None	$100/day x 5	$20/$30	$100	Nothing	$10	$25/$35 or 50%	No
GEHA -High	PPO	$350	None	$100	$20	10%	Nothing	$5	$25	Yes
	Non-PPO	$350	None	$300	25%	25%	Nothing	$5	$25	Yes
GEHA -Std	PPO	$450	None	None	$10	15%	15%	$5	50%	Yes
	Non-PPO	$450	None	None	35%	35%	35%	$5	50%	Yes
MH -High	PPO	$250	$200	$100	$20/$10	10%	Nothing	$10	$25/$40	Yes
	Non-PPO	$300	$200	$300	30%	30%	30%	50%	50%	Yes
MH -Std	PPO	$300	$400	$200	$20/$10	10%	Nothing	$10	$30/$45	Yes
	Non-PPO	$350	$400	$400	30%	30%	30%	50%	50%	Yes
NALC	PPO	$250	$25	None	$20	10%	10%	25%	25%	Yes
	Non-PPO	$300	$25	$100	30%	30%	30%	50%	50%+	Yes
PBP -High	PPO	$200	$90	None	10%	10%	10%	$3	$25 or 20%/$40 or 20%	Yes
	Non-PPO	$500	$90	$150	20%	25%	25%	20%+	20%+	Yes
PBP -Std	PPO	$250	$90	None	$8	9%	9%	$4	$30 or 20%/$40 or 20%	Yes
	Non-PPO	$600	$90	$250	30%	30%	30%	30%+	30%+	Yes

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Nationwide Fee-for-Service Plans Open to All

Member Survey results, shown in the plan comparison sections, are collected, scored, and reported by an independent organization - not by the health plans. Here is a brief explanation of each survey category.

Overall Plan Satisfaction	How would you rate your overall experience with your health plan?
Getting Needed Care	Were you satisfied with the choices your health plan gave you to select a personal doctor? Were you satisfied with the time it takes to get a referral to a specialist?
Getting Care Quickly	Did you get the advice or help you needed when you called your doctor during regular office hours? Could you get an appointment for regular or routine care when you wanted?
How Well Doctors Communicate	Did your doctor listen carefully to you and explain things in a way you could understand? Did your doctor spend enough time with you?
Customer Service	Was your plan helpful when you called its customer service department? Did you have paperwork problems? Were the plan's written materials understandable?
Claims Processing	Did your plan pay your claims correctly and in a reasonable time?

Plan name	Member Survey Results
	Plan code	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
APWU Health Plan-High	47	Above Average	Average	Above Average	Above Average	Above Average	Above Average
APWU Health Plan-Consumer driven	47	Above Average	Average	Above Average	Above Average	Above Average	Above Average
Blue Cross and Blue Shield Service Benefit Plan-Std	10	Average	Average	Average	Average	Below Average	Average
Blue Cross and Blue Shield Service Benefit Plan-Basic	11	Below Average	Below Average	Below Average	Below Average	Below Average	Below Average
GEHA Benefit Plan-High	31	Above Average	Average	Average	Average	Above Average	Above Average
GEHA Benefit Plan-Std	31	Above Average	Average	Average	Average	Above Average	Above Average
Mail Handlers-High	45	Below Average	Average	Below Average	Average	Average	Average
Mail Handlers-Std	45	Below Average	Average	Below Average	Average	Average	Average
NALC	32	Above Average	Above Average	Above Average	Above Average	Above Average	Above Average
PBP Health Plan-High	36	Average	Average	Above Average	Above Average	Below Average	Below Average
PBP Health Plan-Std	36	Average	Average	Above Average	Above Average	Below Average	Below Average

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Fee-For-Service Plans Blue Cross and Blue Shield Service Benefit Plan Member Survey Results for Select States

This year we are providing more detailed information regarding the quality of services provided by our health plans. We are including the results of the Member Satisfaction survey at the state level for eight local Blue Cross Blue Shield (BCBS) Plans. In the past, BCBS has conducted a single survey representing all of its members nation-wide. This year, however, we are able to provide local member satisfaction results for both the Standard Option plan and the Basic Option plan.

In the future, we expect to increase the number of plans conducting local or regional Member Satisfaction surveys. We look forward to making those results available to help you select quality health plans.

Below are Member Survey ratings for local BCBS plans by location:

Plan Name		Location	Member Survey Results
			Plan Code	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Blue Cross and Blue Shield Service Benefit Plan	Standard	Arizona	10	Above	Below	Below	Below	Average	Above
	Basic		11	Below	Below	Below	Below	Below	Below
Blue Cross and Blue Shield Service Benefit Plan	Standard	California	10	Above	Below	Average	Average	Average	Above
	Basic		11	Below	Below	Below	Below	Below	Below
Blue Cross and Blue Shield Service Benefit Plan	Standard	District of Columbia	10	Average	Average	Below	Average	Average	Average
	Basic		11	Below	Below	Below	Below	Below	Average
Blue Cross and Blue Shield Service Benefit Plan	Standard	Florida	10	Above	Average	Below	Below	Average	Above
	Basic		11	Below	Below	Below	Below	Below	Average
Blue Cross and Blue Shield Service Benefit Plan	Standard	Illinois	10	Average	Above	Average	Average	Average	Average
	Basic		11	Below	Below	Below	Below	Below	Below
Blue Cross and Blue Shield Service Benefit Plan	Standard	Maryland	10	Average	Average	Average	Average	Below	Average
	Basic		11	Below	Below	Below	Below	Below	Below
Blue Cross and Blue Shield Service Benefit Plan	Standard	Texas	10	Above	Average	Average	Above	Average	Average
	Basic		11	Below	Below	Below	Below	Below	Below
Blue Cross and Blue Shield Service Benefit Plan	Standard	Virginia	10	Above	Average	Average	Average	Above	Above
	Basic		11	Below	Below	Below	Below	Average	Above

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Fee-For-Service (FFS) Plans with a Preferred Provider Organization (PPO) — An FFS plan that allows you to see medical providers who reduce their charges to the plan; you pay less money out-of-pocket when you use a PPO provider. When you visit a PPO you usually won't have to file claims or paperwork. However, going to a PPO hospital does not guarantee PPO benefits for all services received within that hospital. For instance, lab work and radiology services from independent practitioners within the hospital are frequently not covered by the PPO agreement.

Fee-For-Service (FFS) Plans (non-PPO) — An FFS plan that either pays the medical provider directly or reimburses you for covered medical expenses. When you need medical attention, you visit the doctor or hospital of your choice.

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Nationwide Fee-for-Service Plans Open Only to Specific Groups

How to read this chart:

The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. The chart does not show all of your possible out-of-pocket costs.

The Deductibles shown are the amount of covered expenses that you pay before your health plan begins to pay.

Calendar Year deductibles for families are two or more times the per person amount shown.

In some plans your combined Prescription Drug purchases from Mail Order and local pharmacies count toward the deductible. In other plans, only purchases from local pharmacies count. Some plans require each family member to meet a per person deductible.

The Hospital Inpatient deductible is what you pay each time you are admitted to a hospital.

Doctors shows what you pay for inpatient surgical services and for office visits.

Your share of Hospital Inpatient Room and Board covered charges is shown.

The Generic drug figure is the copayment or coinsurance most commonly paid by members of this health plan for a Generic formulary drug.

Plan name	Telephone number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Association Benefit Plan	800/634-0069	421	422	118.19	276.99	127.32	298.83
Foreign Service Benefit Plan	202/833-4910	401	402	85.06	240.92	89.44	253.31
Panama Canal Area Benefit Plan	800/548-8969	431	432	78.52	163.90	82.45	172.10
Rural Carrier Benefit Plan	800/638-8432	381	382	153.14	253.46	170.17	281.08
SAMBA	800/638-6589	441	442	159.59	392.73	153.21	379.88
Secret Service Employees Health Association	800/424-7474	Y71	Y72	80.49	211.17	117.74	302.06

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Brand Name/Non-formulary is what you pay for a manufacturer's Brand name drug on this health plan's formulary. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in this column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a Non-formulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

The prescription drug copayments or coinsurances described in this chart do not represent the complete range of cost-sharing under these plans. Many plans have variations in their prescription drug benefits (e.g., you pay the greater of a dollar amount or a percentage, or you pay one amount for your first prescription and then a different amount for refills). The prescription drug figures in this chart show what most plan members pay for their medications under each plan. You must read the plan brochure for a complete description of prescription drug and all other benefits.

Plan	Benefit type	Medical Surgical - You Pay
		Deductible			Copay ($)/Coinsurance (%)
		Per Person		Hospital inpatient	Doctors		Hospital Inpatient Room & Board	Prescription Drugs
		Calendar Year	Prescription Drug		Office Visits	Inpatient Surgical Services		Generic	Brand Name/Non-Formulary	Mail Order Discounts
ABP	PPO	$300	None	$100	$10	10%	Nothing	$5	$25/$40	No
	Non-PPO	$300	None	$300	30%	30%	30%	$5	$25/$40	No
FS	PPO	$300	None	Nothing	10%	10%	Nothing	$10/25%	$20/25%/N/A	Yes
	Non-PPO	$300	None	$200	30%	30%	20%	$10/25%	$20/25%/N/A	Yes
PCA	POS	None	$400	$50	$10	Nothing	Nothing	50%	50%/50%	N/A
	FFS	None	$400	$125	50%	50%	50%	50%	50%/50%	N/A
Rural	PPO	$350	$200	$100	$20	10%	Nothing	30%	30%/30%	Yes
	Non-PPO	$400	$200	$300	25%	20%	20%	30%	30%/30%	Yes
SAMBA	PPO	$350	None	$200	$20	10%	Nothing	$10	$25/$40	Yes
	Non-PPO	$350	None	$300	30%	30%	30%	$10	$25/$40	Yes
SSEHA	Par	$200	None	$100	20%	20%	Nothing	$10	$20/$20	Yes
	Non-Par	$200	None	$100+any diff.	20%+diff.	20%+diff.	20%+diff.	All chgs.	All chgs./All chgs.	No

*The Panama Canal Area Plan provides a point-of-service product within the Republic of Panama.

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Nationwide Fee-for-Service Plans Open Only to Specific Groups

Member Survey results, shown in the plan comparison sections, are collected, scored, and reported by an independent organization - not by the health plans. Here is a brief explanation of each survey category.

Overall Plan Satisfaction	How would you rate your overall experience with your health plan?
Getting Needed Care	Were you satisfied with the choices your health plan gave you to select a personal doctor? Were you satisfied with the time it takes to get a referral to a specialist?
Getting Care Quickly	Did you get the advice or help you needed when you called your doctor during regular office hours? Could you get an appointment for regular or routine care when you wanted?
How Well Doctors Communicate	Did your doctor listen carefully to you and explain things in a way you could understand? Did your doctor spend enough time with you?
Customer Service	Was your plan helpful when you called its customer service department? Did you have paperwork problems? Were the plan's written materials understandable?
Claims Processing	Did your plan pay your claims correctly and in a reasonable time?

Plan name	Member Survey Results
	Plan code	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Association Benefit Plan	42	Above Average	Average	Above Average	Average	Above Average	Above Average
Foreign Service Benefit Plan	40	Average	Below Average	Below Average	Below Average	Below Average	Below Average
Panama Canal Area Benefit Plan	43	Below Average	Above Average	Average	Above Average	Above Average	Below Average
Rural Carrier Benefit Plan	38	Above Average	Above Average	Above Average	Average	Above Average	Above Average
SAMBA	44	Above Average	Below Average	Average	Average	Average	Above Average
Secret Service Employees Health Association	Y7	Below Average	Average	Below Average	Below Average	Below Average	Below Average

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Health Maintenance Organization Plans, Plans Offering a Point of Service Product, and Local Consumer-Driven Plans

(Pages 26 through 55)

Health Maintenance Organization (HMO) - A health plan that provides care through a network of physicians and hospitals in particular geographic or service areas. HMOs coordinate the health care service you receive and free you from completing paperwork or being billed for covered services. Your eligibility to enroll in an HMO is determined by where you live or, for some plans, where you work. Some HMOs are affiliated with or have arrangements with HMOs in other service areas for non-emergency care if you travel or are away from home for extended periods (reciprocity). Plans that offer reciprocity discuss it in their brochure.

• The HMO provides a comprehensive set of services - as long as you use the doctors and hospitals affiliated with the HMO. HMOs charge a copayment for primary physician and specialist visits and generally no deductible or coinsurance for inhospital care.
• Most HMOs ask you to choose a doctor or medical group to be your primary care physician (PCP). Your PCP provides your general medical care. In many HMOs, you must get authorization or a referral from your PCP to see other providers. The referral is a recommendation by your physician for you to be evaluated and/or treated by a different physician or medical professional. The referral ensures that you see the right provider for the care most appropriate to your condition.
• Care received from a provider not in the plan's network is not covered unless it's emergency care or the plan has a reciprocity arrangement.

Plans Offering a Point of Service (POS) Product - A product similar to an HMO and FFS plan.

The POS product lets you use providers who are not part of the HMO network. However, you pay more for using these non-network providers. You usually pay higher deductibles and coinsurances than you pay with a plan provider. You will also need to file a claim for reimbursement, like in a FFS plan. The HMO plan wants you to use its network of providers, but recognizes that sometimes enrollees want to choose their own provider.

The POS plans have two rows for In Network and Out of Network benefits. In Network shows what you pay if you go to the plan's providers; Out of Network shows what you pay if you decide not to go to the plan's providers.

Consumer-Driven Plans - Describes a wide range of approaches to give you more incentive to control the cost of either your health benefits or health care. You have greater freedom in spending health care dollars up to a designated amount and you receive full coverage for in-network preventive care. In return, you assume significantly higher cost sharing expenses after you have used up the designated amount. The catastrophic limit is usually higher than those common in other plans.

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Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Alabama
HealthSpring of Alabama, Inc. - Birmingham/Other areas	800/947-5093	DF1	DF2	97.22	314.28	111.09	357.37
Arizona
Aetna Health Inc. - Phoenix/Tucson Areas	800/537-9384	WQ1	WQ2	56.58	155.40	62.56	171.83	NCQA 2
Health Net of Arizona, Inc. - Maricopa/Pima/Other AZ counties	800/289-2818	A71	A72	69.11	175.10	76.72	194.38	NCQA 2
Humana CoverageFirst (Consumer Driven Plan) - Phoenix	888/393-6765	DB1	DB2	0.00	0.00	49.44	113.70
PacifiCare Desert Region (AZ & NV) - Maricopa, Pima County & Apache Junction	800-531-3341	A31	A32	70.39	232.53	69.54	173.16	NCQA 1
California
Aetna Health Inc. - Los Angeles and San Diego Areas	800/537-9384	2X1	2X2	58.49	138.75	58.65	142.99	NCQA 2
Aetna HealthFund (Consumer Driven Plan) - Northern/Central Valley/Southern CA	888/238-6240	221	222	0.00	0.00	70.11	161.27
Blue Cross- HMO - Most of California	800/235-8631	M51	M52	72.25	196.46	83.70	225.40	NCQA 1
Blue Shield of CA Access+ - Most of California	800/880-8086	SJ1	SJ2	70.92	175.93	73.05	181.21	NCQA 1
Health Net of California - Most of California	800/522-0088	LB1	LB2	68.19	161.43	77.43	183.30	NCQA 1
Kaiser Permanente - Northern California	800/464-4000	591	592	74.81	178.58	85.57	216.63	NCQA 1
Kaiser Permanente - Southern California	800/464-4000	621	622	70.04	161.90	80.28	185.54	NCQA 1
PacifiCare of California - Most of California	800-531-3341	CY1	CY2	57.20	148.04	64.97	150.74	NCQA 1
UHP Healthcare - LA/Orange/San Bernardino Counties	800/544-0088	C41	C42	57.09	121.57	58.32	124.19	JCAHO 1
Universal Care - Southern California	800/635-6668	6Q1	6Q2	56.36	148.81	59.66	157.48	NCQA 2
Colorado
Kaiser Permanente - Denver/Colorado Springs areas	800/632-9700	651	652	72.75	221.57	77.47	199.87	NCQA 1
PacifiCare of Colorado - Denver/Colorado Springs/Ft.Collins	800/877-9777	D61	D62	78.69	277.53	84.49	207.44	NCQA 1

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

    

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Alabama
HealthSpring of Alabama, Inc.	$20/$25	$100/day x 5	$10	$25/$50	Yes	Above	Above	Above	Above	Average	Average
Arizona
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Below	Below	Below	Below	Below	Below
Health Net of Arizona, Inc.	$15/$15	$100/day x 5	$10	$30/$45	Yes	Below	Below	Below	Below	Below	Average
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
PacifiCare Desert Region (AZ & NV)	$15/$30	$200/ day x 5	$15	$35/$50	Yes	Average	Below	Average	Average	Average	Above
California
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Below	Below	Below	Average	Average
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
Blue Cross- HMO	$10/$10	None	$5	$10/50%	Yes	Average	Below	Below	Average	Average	Average
Blue Shield of CA Access+	$10/$10	None	$5	$10/$25	Yes	Average	Below	Average	Average	Average	Average
Health Net of California	$10/$10	$100	$10	$20/$35	Yes	Average	Below	Below	Average	Below	Average
Kaiser Permanente	$15/$15	None	$10	$25	No	Above	Below	Below	Below	Average	Above
Kaiser Permanente	$10/$10	None	$10	$25	No	Above	Below	Below	Below	Above	Average
PacifiCare of California	$15/$30	$100/day x 3	$15	$35/$50	Yes	Above	Average	Average	Average	Average	Average
UHP Healthcare	$10/$10	$300	$10	$30/$50	No
Universal Care	$10/$10	$300	$10	$20/$30	Yes	Average	Below	Below	Average	Average	Average
Colorado
Kaiser Permanente	$15/$25	$250	$10	$20	No	Average	Average	Average	Below	Average	Average
PacifiCare of Colorado	$10/$40	$150/day x 5	$10	$35/$50	Yes	Below	Average	Above	Average	Below	Average

* See Brochure for details on patient's payment responsibility.

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Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Connecticut
Aetna HealthFund (Consumer Driven Plan) - All of Connecticut	888/238-6240	221	222	0.00	0.00	70.11	161.27
ConnectiCare - All of Connecticut	800/251-7722	TE1	TE2	72.95	223.28	82.53	264.18	NCQA 1
District of Columbia
Aetna Health Inc.-High -Washington, DC Area	800/537-9384	JN1	JN2	76.61	172.55	87.19	196.36	NCQA 1
Aetna Health Inc.-Std - Washington, DC Area	800/537-9384	JN4	JN5	57.27	134.04	57.28	134.05	NCQA 1
Aetna HealthFund (Consumer Driven Plan) - All of Washington D.C.	888/238-6240	221	222	0.00	0.00	70.11	161.27
CareFirst BlueChoice - Washington, D.C. Metro Area	866/520-6099	2G1	2G2	111.39	242.58	130.52	285.01	NCQA 2
Kaiser Permanente - Washington, DC area	301/468-6000	E31	E32	66.75	158.86	79.07	188.20	NCQA 2
M.D. IPA - Washington, DC area	800/251-0956	JP1	JP2	75.18	181.03	79.52	190.87	NCQA 1
Florida
Av-Med Health Plan - Broward, Dade and Palm Beach	800/882-8633	ML1	ML2	67.98	206.92	79.53	274.28	NCQA 2
Capital Health Plan - Tallahassee area	850/383-3311	EA1	EA2	76.93	277.14	80.45	252.46	NCQA 1
Humana CoverageFirst (Consumer Driven Plan) - Tampa	888/393-6765	MJ1	MJ2	0.00	0.00	54.64	125.67
Humana CoverageFirst (Consumer Driven Plan) - Jacksonville	888/393-6765	MQ1	MQ2	0.00	0.00	57.24	131.66
Humana CoverageFirst (Consumer Driven Plan) - South Florida	888/393-6765	QP1	QP2	0.00	0.00	52.04	119.69
Humana Medical Plan - South Florida	888/393-6765	EE1	EE2	64.38	160.96	81.57	187.62	URAC 1
JMH Health Plan - Broward-Dade counties	800/721-2993	J81	J82	52.49	129.13	71.86	177.82
Total Health Choice - Broward/Dade/Palm Beach Counties	800/213-1133	4A1	4A2	63.27	157.63	63.26	157.62
Vista Healthplan - South Florida	866/847-8235	3N1	3N2	74.62	292.01	88.60	366.36
Vista Healthplan - Pensacola area	866/847-8235	RK1	RK2	70.10	207.87	85.93	317.46
Vista Healthplan - Gainesville	866/847-8235	UL1	UL2	0.00	0.00	68.49	182.88
Vista Healthplan - Tallahassee	866/847-8235	Y91	Y92	0.00	0.00	64.54	172.34
Vista Healthplan of South Florida - Southern Florida	800/441-5501	5E1	5E2	49.32	135.65	60.94	167.60

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 4 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

   

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Connecticut
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
ConnectiCare	$10/$10	None	$10	$20/$35	Yes	Above	Above	Above	Above	Above	Above
District of Columbia
Aetna Health Inc.-High	$15/$20	$150/day x 3	$10	$25/$40	No	Below	Average	Below	Average	Average	Average
Aetna Health Inc.-Std	$20/$25	$250/day x 3	$10	$25/$40	No	Below	Average	Below	Average	Average	Average
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
CareFirst BlueChoice	$20/$30	$100/day x 5	$10	$25/$40	Yes	Below	Below	Below	Average	Below	Below
Kaiser Permanente	$10/$20	$100	$10/$20Net	$20/$40	Yes	Average	Below	Below	Below	Average	Average
M.D. IPA	$10/$20	$100	$8	$20/$35	No	Average	Average	Average	Average	Above	Above
Florida
Av-Med Health Plan	$15/$25	$100/dayx5	$15	$30/$50	No	Average	Below	Below	Below	Average	Average
Capital Health Plan	$10/$10	$100	$8	$25/$40	No	Above	Above	Average	Average	Above	Above
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana Medical Plan	$10/$20	$100/day x 3	$5/$20	$20/$40	No	Below	Below	Below	Below	Average	Below
JMH Health Plan	$10/$10	None	$5	50%	No
Total Health Choice	$10/$10	$100	$5	$15	No
Vista Healthplan	$10/$20	$100/day x 3	$10	$20/$40	Yes	Below	Below	Below	Below	Below	Below
Vista Healthplan	$10/$20	$100/day x 3	$10	$20/$40	Yes
Vista Healthplan	$10/$20	$100/day x 3	$10	$20/$40	Yes
Vista Healthplan	$10/$20	$100/day x 3	$10	$20/$40	Yes
Vista Healthplan of South Florida	$10/$20	$100 x 3 days	$10	$20/$40	Yes	Below	Below	Below	Below	Below	Below

* See Brochure for details on patient's payment responsibility.

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Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Georgia
Aetna Health Inc. - Atlanta and Athens Areas	800/537-9384	2U1	2U2	75.57	188.31	72.37	174.58	NCQA 2
Aetna HealthFund (Consumer Driven Plan) - Atlanta Area	888/238-6240	221	222	0.00	0.00	70.11	161.27
Kaiser Permanente - Atlanta area	800/611-1811	F81	F82	62.38	158.38	69.62	176.75	NCQA 1
Guam
PacifiCare Asia Pacific-High -Guam/N.Mariana Islands/Belau	671/647-3526	JK1	JK2	64.19	168.66	78.31	222.80
PacifiCare Asia Pacific-Std - Guam/N.Mariana Islands/Belau	671/647-3526	JK4	JK5	54.76	144.60	61.74	163.04
Hawaii
HMSA - All of Hawaii	808/948-6499	871	872	65.25	145.26	73.09	162.69	NCQA 1
Kaiser Permanente-High -Islands of Hawaii/Maui/Oahu/Kauai	808/432-5955	631	632	77.56	166.76	87.27	187.63	NCQA 1
Kaiser Permanente-Std - Islands of Hawaii/Maui/Oahu/Kauai	808/432-5955	634	635	58.89	126.61	70.17	150.87	NCQA 1
Idaho
Group Health Cooperative-High -Kootenai and Latah	888/901-4636	VR1	VR2	78.52	265.85	86.25	240.78	NCQA 1
Group Health Cooperative-Std - Kootenai and Latah	888/901-4636	VR4	VR5	0.00	0.00	74.74	171.91	NCQA 1

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

    

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Georgia
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Below	Average	Below	Below	Average	Below
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
Kaiser Permanente	$15/$15	$250	$10/$16 Com	$10/$16	No	Above	Average	Average	Average	Above	Average
Guam
PacifiCare Asia Pacific-High	$10/$10	None	$5	$5/$20	No	Above	Below	Average	Average	Average	Average
PacifiCare Asia Pacific-Std	$15/$15	$150	$5	$5/$20	No	Above	Below	Average	Average	Average	Average
Hawaii
HMSA - In-Network	$15/$15	None	$5	$20/50%	Yes	Above	Above	Above	Above	Above	Above
- Out-of-Network	30% sch +/30% sch +	None	$5+20%+	$20+20%+/50%+	No
Kaiser Permanente-High	$10/$10	None	$10	$10	Yes	Above	Average	Average	Average	Average	Average
Kaiser Permanente-Std	$15/$15	None	$10	$10	Yes	Above	Average	Average	Average	Average	Average
Idaho
Group Health Cooperative-High	$15/$15	$200/day x 3	$15	$25/$50	Yes	Average	Average	Above	Average	Average	Average
Group Health Cooperative-Std	$20+20%/$20+20%	$200/day x 3	$20	$30/$60	Yes	Average	Average	Above	Average	Average	Average

* See Brochure for details on patient's payment responsibility.

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Page 30   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Illinois
Aetna HealthFund (Consumer Driven Plan) - Chicago Area	888/238-6240	221	222	0.00	0.00	70.11	161.27
BlueCHOICE - Madison and St. Clair counties	800/634-4395	9G1	9G2	75.62	163.72	83.24	180.23	NCQA 1
Group Health Plan - Southern/Metro East/Central	800/755-3901	MM1	MM2	123.15	236.69	164.93	324.01	URAC 1
Health Alliance HMO - Central/E.Central/N.West/South/West IL	800/851-3379	FX1	FX2	90.89	224.02	104.00	256.28	NCQA 1
Humana CoverageFirst (Consumer Driven Plan) - Chicago	888/393-6765	MW1	MW2	0.00	0.00	41.63	95.75
Humana Health Plan Inc.-High -Chicago area	888/393-6765	751	752	72.86	174.76	84.49	194.33
Humana Health Plan Inc.-Std - Chicago area	888/393-6765	754	755	55.31	132.65	64.78	148.99
John Deere Health Plan - Bloomingtn/Moline/Peoria/RockIsld	800/247-9110	YH1	YH2	67.26	164.78	77.04	188.75	NCQA 1
Mercy Health Plans/Premier Health Plans - Southwest Illinois	800/327-0763	7M1	7M2	140.70	337.29	156.31	305.44
OSF HealthPlans - Central/Central-Northwestern Illinois	800/673-5222	9F1	9F2	61.53	161.80	70.84	186.30	NCQA 1
PersonalCare's HMO - Central Illinois	800/431-1211	GE1	GE2	63.81	164.13	74.60	191.80	NCQA 1
Unicare HMO - Chicagoland Area	888/234-8855	171	172	66.20	217.91	79.24	262.32	NCQA 1
Union Health Service - Chicago area	312/829-4224	761	762	58.11	144.09	67.00	166.15

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

 

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Illinois
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
BlueCHOICE	$10/$10	None	$7	$12/$25	Yes	Average	Above	Above	Average	Average	Average
Group Health Plan	$10/$20	$100	$10	$20/$35	Yes	Average	Average	Average	Average	Average	Average
Health Alliance HMO	$15/$15	$100	$10	$20/$40	No	Above	Average	Above	Average	Average	Above
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana Health Plan Inc.-High	$10/$20	$100/day x 3	$5/$15	$15/$35	No	Average	Below	Average	Average	Below	Below
Humana Health Plan Inc.-Std	$15/$25	$250/day x 3	$10/$25	$25/$45	No	Average	Below	Average	Average	Below	Below
John Deere Health Plan	$15/$15	$100/day x 5	$10	$20/$35	Yes	Above	Above	Above	Average	Above	Above
Mercy Health Plans/Premier - In-Network	$10/$20	None	$10	$20/$35	Yes	Average	Above	Average	Average	Average	Average
- Out-of-Network	30%/30%	None	N/A	N/A	No
OSF HealthPlans	$20/$20	$500	$10	$20/$40	No	Above	Average	Above	Above	Average	Above
PersonalCare's HMO	$20/$20	$100/day x 5	$10	$20/$50	No	Average	Above	Above	Average	Average	Average
Unicare HMO	$15/$15	None	$5	$15/$25	No	Average	Below	Below	Average	Below	Below
Union Health Service	$10/$10	None	$15	$15/$15	No

* See Brochure for details on patient's payment responsibility.

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Page 32   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Indiana
Advantage Health Plan, Inc. - Most of Indiana	800/553-8933	6Y1	6Y2	79.56	202.00	103.18	259.48	NCQA 6
Aetna Health Inc. - Southeastern Indiana	800/537-9384	RD1	RD2	75.82	204.47	81.79	203.65	NCQA 1
Aetna HealthFund (Consumer Driven Plan) - Lake and Porter Counties	888/238-6240	221	222	0.00	0.00	70.11	161.27
Arnett HMO - Lafayette area	765/448-7440	G21	G22	75.73	246.90	69.31	180.22	NCQA 1
Health Alliance HMO - Fountain/Vermillion/Warren Counties	800/851-3379	FX1	FX2	90.89	224.02	104.00	256.28	NCQA 1
Humana CoverageFirst (Consumer Driven Plan) - Southern Indiana	888/393-6765	BM1	BM2	0.00	0.00	62.44	143.63
Humana CoverageFirst (Consumer Driven Plan) - Lake/Porter/LaPorte Counties	888/393-6765	MW1	MW2	0.00	0.00	41.63	95.75
Humana Health Plan - Southern Indiana	888/393-6765	D21	D22	81.01	253.85	122.79	286.96	NCQA 2
Humana Health Plan Inc.-High -Lake/Porter/LaPorte Counties	888/393-6765	751	752	72.86	174.76	84.49	194.33
Humana Health Plan Inc.-Std - Lake/Porter/LaPorte Counties	888/393-6765	754	755	55.31	132.65	64.78	148.99
M*Plan - Indiana Metropolitan areas	317/571-5320	IN1	IN2	130.52	302.23	144.85	335.73	NCQA 1
Physicians Health Plan of Northern Indiana - Northeast Indiana	260/432-6690	DQ1	DQ2	70.16	157.67	83.82	188.20
Unicare HMO - Lake/Porter Counties	888/234-8855	171	172	66.20	217.91	79.24	262.32	NCQA 1
Iowa
Avera Health Plans - Northwestern Iowa	888/322-2115	AV1	AV2	64.01	149.49	78.42	183.13
Coventry Health Care of Iowa - Central Iowa/Cedar Rapids/Sioux City	800/257-4692	SV1	SV2	63.18	170.63	72.66	196.22	NCQA 1
Health Alliance HMO - Central and Eastern Iowa	800/851-3379	FX1	FX2	90.89	224.02	104.00	256.28	NCQA 1
John Deere Health Plan - Central/Eastern Iowa	800/247-9110	YH1	YH2	67.26	164.78	77.04	188.75	NCQA 1
Sioux Valley Health Plan-High -Northwestern Iowa	800/752-5863	AU1	AU2	125.21	288.21	199.90	464.02	NCQA 2
Sioux Valley Health Plan-Std - Northwestern Iowa	800/752-5863	AU4	AU5	0.00	0.00	129.83	302.77	NCQA 2

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

  

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Indiana
Advantage Health Plan, Inc.	$15/$30	$400x2/Yr	$10	$30/$50	Yes	Below	Average	Average	Above	Average	Average
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Average	Above	Average	Average	Below
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
Arnett HMO	$10/$10	None	$10	$20/$40	No	Above	Above	Above	Average	Above	Above
Health Alliance HMO	$15/$15	$100	$10	$20/$40	No	Above	Average	Above	Average	Average	Above
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana Health Plan	$15/$25	$250/day x 3	$10/$25	$25/$45	No	Average	Average	Average	Average	Average	Average
Humana Health Plan Inc.-High	$10/$20	$100/day x 3	$5/$15	$15/$35	No	Average	Below	Average	Average	Below	Below
Humana Health Plan Inc.-Std	$15/$25	$250/day x 3	$10/$25	$25/$45	No	Average	Below	Average	Average	Below	Below
M*Plan	$15/$30	$250	$10/$20	$30/$50	Yes	Average	Average	Average	Average	Below	Average
Physicians Health Plan of Northern Indiana	$15/$15	20%	$10	$20/$40	No	Above	Above	Above	Above	Above	Above
Unicare HMO	$15/$15	None	$5	$15/$25	No	Average	Below	Below	Average	Below	Below
Iowa
Avera Health Plans	$10/$15	$100/dayx3	$10	$20	No
Coventry Health Care of Iowa	$10/$10	None	$5	$15/$30	No	Below	Above	Above	Average	Below	Below
Health Alliance HMO	$15/$15	$100	$10	$20/$40	No	Above	Average	Above	Average	Average	Above
John Deere Health Plan	$15/$15	$100/day x 5	$10	$20/$35	Yes	Above	Above	Above	Average	Above	Above
Sioux Valley Health Plan - In-Network	$20/$30	$100/day x 5	$15	$30/$50	No
- Out-of-Network	40%/40%	40%	N/A	N/A	No
Sioux Valley Health Plan - In-Network	$25/$25	$100/day x 5	$15	$30/$50	No
- Out-of-Network	40%/40%	40%	N/A	N/A	No

* See Brochure for details on patient's payment responsibility.

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Page 34   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Kansas
Coventry Health Care of Kansas - Wichita/Salina areas	800/664-9251	7W1	7W2	102.24	323.75	81.74	233.46
Coventry Health Care of Kansas - Kansas City - Kansas City area	800/969-3343	HA1	HA2	61.74	159.29	71.69	185.00
Humana CoverageFirst (Consumer Driven Plan) - Kansas City	888/393-6765	PH1	PH2	0.00	0.00	41.63	95.75
Humana Health Plan, Inc.-High -Kansas City area	888/393-6765	MS1	MS2	76.27	191.10	106.84	250.36	URAC 1
Humana Health Plan, Inc.-Std - Kansas City area	888/393-6765	MS4	MS5	44.35	106.39	66.56	153.10	URAC 1
Preferred Plus of Kansas - S. Central Area	800/660-8114	VA1	VA2	79.86	301.54	196.89	623.03	JCAHO 1
Kentucky
Humana CoverageFirst (Consumer Driven Plan) - Louisville	888/393-6765	BM1	BM2	0.00	0.00	62.44	143.63
Humana Health Plan - Louisville area	888/393-6765	D21	D22	81.01	253.85	122.79	286.96	NCQA 2
United Healthcare of Ohio, Inc. - Northern Kentucky	800/231-2918	3U1	3U2	148.46	345.33	164.87	383.81	NCQA 1
Louisiana
Coventry Healthcare Louisiana - New Orleans area	800/341-6613	BJ1	BJ2	70.36	163.39	66.25	153.88
Coventry Healthcare Louisiana - Baton Rouge area	800/341-6613	JA1	JA2	74.16	172.24	106.37	257.53
Vantage Health Plan - Monroe/Shreveport/Alexandria Areas	888/823-1910	MV1	MV2	114.94	402.94	122.70	402.53
Maryland
Aetna Health Inc.-High -Northern/Central/Southern Maryland	800/537-9384	JN1	JN2	76.61	172.55	87.19	196.36	NCQA 1
Aetna Health Inc.-Std - Northern/Central/Southern Maryland	800/537-9384	JN4	JN5	57.27	134.04	57.28	134.05	NCQA 1
Aetna HealthFund (Consumer Driven Plan) - All of Maryland	888/238-6240	221	222	0.00	0.00	70.11	161.27
CareFirst BlueChoice - All of Maryland	866/520-6099	2G1	2G2	111.39	242.58	130.52	285.01	NCQA 2
Kaiser Permanente - Baltimore/Washington, DC areas	301/468-6000	E31	E32	66.75	158.86	79.07	188.20	NCQA 2
M.D. IPA - All of Maryland	800/251-0956	JP1	JP2	75.18	181.03	79.52	190.87	NCQA 1

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

    

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Kansas
Coventry Health Care of Kansas	$15/$15	$100/day x 3	$5	$15/$45	Yes	Below	Average	Average	Above	Below	Average
Coventry Health Care of Kansas - Kansas City	$15/$15	$100/day x 3	$10	$20/$50	Yes	Below	Average	Average	Above	Below	Average
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana Health Plan, Inc.-High	$10/$20	$100/day x 3	$5/$20	$20/$40	No	Below	Average	Average	Below	Average	Below
Humana Health Plan, Inc.-Std	$15/$25	$250/day x 3	$10/$25	$25/$45	No	Below	Average	Average	Below	Average	Below
Preferred Plus of Kansas	$10/$10	$50/day x 10	$5	$15	Yes
Kentucky
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana Health Plan	$15/$25	$250/day x 3	$10/$25	$25/$45	No	Average	Average	Average	Average	Average	Average
United Healthcare of Ohio, Inc.	$15/$15	$250	$10	$15/$30	Yes	Average	Above	Average	Above	Average	Average
Louisiana
Coventry Healthcare Louisiana	$15/$15	$100/day x 3	$10	$20/$45	Yes	Below	Average	Average	Above	Average	Average
Coventry Healthcare Louisiana	$15/$15	$100/day x 3	$10	$20/$45	Yes	Below	Average	Average	Above	Average	Average
Vantage Health Plan	$15/$15	$250	$10	$20/$35	Yes
Maryland
Aetna Health Inc.-High	$15/$20	$150/day x 3	$10	$25/$40	No	Below	Average	Below	Average	Average	Average
Aetna Health Inc.-Std	$20/$25	$250/day x 3	$10	$25/$40	No	Below	Average	Below	Average	Average	Average
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
CareFirst BlueChoice	$20/$30	$100/day x 5	$10	$25/$40	Yes	Below	Below	Below	Average	Below	Below
Kaiser Permanente	$10/$20	$100	$10/$20Net	$20/$40	Yes	Average	Below	Below	Below	Average	Average
M.D. IPA	$10/$20	$100	$8	$20/$35	No	Average	Average	Average	Average	Above	Above

* See Brochure for details on patient's payment responsibility.

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Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Massachusetts
Blue Chip, Coord Hlth Partners - Southeastern Massachusetts	401/459-5500	DA1	DA2	115.03	360.02	133.12	414.01	NCQA 1
ConnectiCare - Counties Hampden, Hampshire, Franklin	800/251-7722	TE1	TE2	72.95	223.28	82.53	264.18	NCQA 1
Fallon Community Health Plan - Central/Eastern Massachusetts	800/868-5200	JV1	JV2	76.54	245.99	124.07	340.47	NCQA 1
Michigan
Bluecare Network of MI - Midland County Area	800/662-6667	K51	K52	71.67	260.46	85.85	360.75	NCQA 1
Bluecare Network of MI - Kalamazoo County Area	800/662-6667	KF1	KF2	140.94	499.18	168.83	608.03	NCQA 1
Bluecare Network of MI - Genesee County Area	800/662-6667	KN1	KN2	76.64	316.01	102.08	420.34	NCQA 1
Bluecare Network of MI - Kent County Area	800/662-6667	KR1	KR2	79.54	372.89	154.83	606.73	NCQA 1
Bluecare Network of MI - Mid Michigan	800/662-6667	LN1	LN2	148.18	386.19	190.95	492.85	NCQA 1
Bluecare Network of MI - Southeast MI	800/662-6667	LX1	LX2	55.62	166.32	64.76	193.70	NCQA 1
Grand Valley Health Plan - Grand Rapids area	616/949-2410	RL1	RL2	72.92	278.12	81.14	310.81	NCQA 1
Health Alliance Plan - Southeastern Michigan/Flint area	800/422-4641	521	522	66.90	177.26	72.84	193.02	NCQA 1
HealthPlus MI - Flint/Saginaw areas	800/332-9161	X51	X52	88.33	256.30	120.23	274.89	NCQA 1
M-Care - Southeastern Michigan and Flint area	800/658-8878	EG1	EG2	64.54	171.05	68.61	181.79	NCQA 1
OmniCare - Southeastern Michigan	800/477-6664	KA1	KA2	65.08	160.10	68.54	168.60	NCQA 3
Total Health Care - Greater Detroit/Flint areas	800/826-2862	N21	N22	64.19	163.26	62.66	153.95
Minnesota
Avera Health Plans - Southwestern Minnesota	888/322-2115	AV1	AV2	64.01	149.49	78.42	183.13
HealthPartners Classic-High -Minneapolis/St. Paul/St.Cloud	952-883-5000	531	532	116.63	307.43	156.07	405.45	NCQA 1
HealthPartners Classic-Std - Minneapolis/St. Paul/St.Cloud	952-883-5000	534	535	0.00	0.00	92.22	252.18	NCQA 1
HealthPartners Primary Clinic Plan - Minneapolis/St. Paul/St. Cloud	952-883-5000	HQ1	HQ2	203.12	515.00	256.73	647.03	NCQA 1

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

   

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Massachusetts
Blue Chip, Coord Hlth Partners - In-Network	$15/$25	$500	$7	$25/$40	Yes	Below	Above	Above	Above	Average	Average
- Out-of-Network	30%/30%	None	$40+20%	$40+20%/$40+20%	No
ConnectiCare	$10/$10	None	$10	$20/$35	Yes	Above	Above	Above	Above	Above	Above
Fallon Community Health Plan	$10/$10	$100	$5	$20/$40	Yes	Average	Average	Above	Average	Average	Average
Michigan
Bluecare Network of MI	$10/$10	Nothing	$5	$20	Yes	Average	Below	Average	Below	Below	Average
Bluecare Network of MI	$10/$10	Nothing	$5	$20	Yes	Average	Below	Average	Below	Below	Average
Bluecare Network of MI	$10/$10	Nothing	$5	$20	Yes	Average	Below	Average	Below	Below	Average
Bluecare Network of MI	$10/$10	Nothing	$5	$20	Yes	Average	Below	Average	Below	Below	Average
Bluecare Network of MI	$10/$10	Nothing	$5	$20	Yes	Average	Below	Average	Below	Below	Average
Bluecare Network of MI	$10/$10	Nothing	$5	$20	Yes	Average	Below	Average	Below	Below	Average
Grand Valley Health Plan	$10/$10	None	$5	$5	No	Above	Average	Above	Average	Above	Above
Health Alliance Plan	$10/$10	None	$10	$20	Yes	Average	Average	Below	Average	Below	Average
HealthPlus MI	$10/$10	None	$10	$20	Yes	Above	Above	Above	Above	Above	Above
M-Care	$10/$10	None	$10	$20/$30	No	Average	Average	Average	Average	Average	Average
OmniCare	$10/$10	None	$5	$10/$25	Yes	Below	Below	Below	Below	Average	Average
Total Health Care	$10/$10	None	Nothing	Nothing	No	Below	Below	Below	Average	Average	Below
Minnesota
Avera Health Plans	$10/$15	$100/dayx3	$10	$20	Yes
HealthPartners Classic-High	$15/$15	$100	$12	$12/$24	No	Below	Average	Average	Average	Below	Average
HealthPartners Open Access-Basic	$15/$15	$100	$10	$10/$35	No	Below	Average	Average	Average	Below	Average
HealthPartners Primary Clinic Plan	$20/$20	$200	$12	$12/$24	No	Below	Average	Average	Average	Below	Average

* See Brochure for details on patient's payment responsibility.

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Page 38   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Missouri
BlueCHOICE - StLouis/Central/SW areas	800/634-4395	9G1	9G2	75.62	163.72	83.24	180.23	NCQA 1
Coventry Health Care of Kansas - Kansas City - Kansas City area	800-969-3343	HA1	HA2	61.74	159.29	71.69	185.00
Group Health Plan - St. Louis area	800/755-3901	MM1	MM2	123.15	236.69	164.93	324.01	URAC 1
Humana CoverageFirst (Consumer Driven Plan) - Kansas City	888/393-6765	PH1	PH2	0.00	0.00	41.63	95.75
Humana Health Plan, Inc.-High -Kansas City area	888/393-6765	MS1	MS2	76.27	191.10	106.84	250.36	URAC 1
Humana Health Plan, Inc.-Std - Kansas City area	888/393-6765	MS4	MS5	44.35	106.39	66.56	153.10	URAC 1
Mercy Health Plans/Premier Health Plans - East/Central/Southwest Missouri	800/327-0763	7M1	7M2	140.70	337.29	156.31	305.44
Montana
New West Health Plan - Most of Montana	800/290-3657	NV1	NV2	72.14	160.53	83.01	184.70
Nevada
Aetna Health Inc. - Las Vegas Area	800/537-9384	Y11	Y12	0.00	0.00	72.85	181.40
Health Plan of Nevada - Las Vegas area	800/777-1840	NM1	NM2	52.98	135.67	49.81	127.53	NCQA 2
PacifiCare Desert Region (AZ & NV) - Las Vegas/Clark County	800-531-3341	K91	K92	67.43	183.35	67.76	153.82	NCQA 2
New Jersey
Aetna Health Inc. - All of New Jersey	800/537-9384	P31	P32	84.95	235.56	86.07	230.41	NCQA 1
Aetna HealthFund (Consumer Driven Plan) - All of New Jersey	888/238-6240	221	222	0.00	0.00	70.11	161.27
AmeriHealth HMO - All of New Jersey	800/454-7651	FK1	FK2	82.27	219.66	81.92	195.59
GHI Health Plan-High -Northern New Jersey	212/501-4444	801	802	128.59	372.63	138.17	402.63	URAC 1
New Mexico
Cimarron Health Plan - All of New Mexico	800/473-0391	PX1	PX2	70.66	202.46	86.80	311.44	NCQA 2
Lovelace Health Plan - All of New Mexico	800/808-7363	Q11	Q12	72.50	213.12	83.37	217.97	NCQA 1
Presbyterian Health Plan - All NM counties except Otero & S. Eddy	800/356-2219	P21	P22	67.23	175.33	78.19	215.28	NCQA 2

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

     

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Missouri
BlueCHOICE	$10/$10	None	$7	$12/$25	Yes	Average	Above	Above	Average	Average	Average
Coventry Health Care of Kansas - Kansas City	$15/$15	$100/day x 3	$10	$20/$50	Yes	Below	Average	Average	Above	Below	Average
Group Health Plan	$10/$20	$100	$10	$20/$35	Yes	Average	Average	Average	Average	Average	Average
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana Health Plan, Inc.-High	$10/$20	$100/day x 3	$5/$20	$20/$40	No	Below	Average	Average	Below	Average	Below
Humana Health Plan, Inc.-Std	$15/$25	$250/day x 3	$10/$25	$25/$45	No	Below	Average	Average	Below	Average	Below
Mercy Health Plans/Premier - In-Network	$10/$20	None	$10	$20/$35	Yes	Average	Above	Above	Above	Above	Above
- Out-of-Network	30%/30%	None	N/A	N/A	No
Montana
New West Health Plan	$15/$15	$100	$10	$20/$40	Yes
Nevada
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes
Health Plan of Nevada	$10/$10	$100	$5	$20/$35	Yes	Below	Below	Below	Below	Below	Below
PacifiCare Desert Region (AZ & NV)	$15/$30	$200/ day x 5	$15	$35/$50	Yes	Average	Below	Below	Below	Average	Average
New Jersey
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Average	Average	Average	Average	Average
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
AmeriHealth HMO	$30/$35	$200/day x 3	$15	$40/50%	Yes	Below	Average	Average	Average	Average	Below
GHI Health Plan - In-Network	$15/$15	None	$10	$20/$50	Yes	Average	Average	Average	Average	Below	Average
- Out-of-Network	50% of sch./50% of sch.	None	N/A	N/A	No
New Mexico
Cimarron Health Plan	$10/$10	$100	$5	$15/$30	Yes	Below	Below	Below	Below	Below	Below
Lovelace Health Plan	$15/$25	$250	$7	$15/$35	Yes	Average	Below	Below	Average	Average	Average
Presbyterian Health Plan	$10/$10	None	$7	$17/$34	Yes	Average	Below	Below	Average	Average	Average

* See Brochure for details on patient's payment responsibility.

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Page 40   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
New York
Aetna Health Inc. - NYC Area and Dutchess/Sullivan/Ulster	800/537-9384	JC1	JC2	71.70	179.45	87.48	261.00	NCQA 1
Aetna HealthFund (Consumer Driven Plan) - New York City Area	888/238-6240	221	222	0.00	0.00	70.11	161.27
Blue Choice - Rochester area	800/462-0108	MK1	MK2	73.25	193.05	65.05	163.05	NCQA 2
Capital District Physicians' Health Plan - North/Central New York	518/641-3700	PW1	PW2	74.53	221.65	85.00	269.67	NCQA 1
Capital District Physicians' Health Plan - Hudson Valley area	518/641-3700	QB1	QB2	71.66	195.68	82.47	244.99	NCQA 1
Capital District Physicians' Health Plan - Capital District area	518/641-3700	SG1	SG2	69.71	178.47	79.95	218.71	NCQA 1
GHI Health Plan-High -All of New York	212/501-4444	801	802	128.59	372.63	138.17	402.63	URAC 1
GHI Health Plan-Std - All of New York	212/501-4444	804	805	0.00	0.00	86.05	260.24	URAC 1
GHI HMO Select - Brnx/Brklyn/Manhat/Queen/Richmon/Westche	877/244-4466	6V1	6V2	97.19	313.67	118.95	348.66	NCQA 3
GHI HMO Select - Capital/Hudson Valley Regions	877/244-4466	X41	X42	75.86	182.11	94.34	317.42	NCQA 3
HIP of Greater New York-High -New York City area	800/HIP-TALK	511	512	72.80	275.97	79.13	285.87	NCQA 2
HIP of Greater New York-Std - New York City area	800/HIP-TALK	514	515	58.23	163.05	63.35	177.38	NCQA 2
HMO Blue - Utica/Rome/Central New York areas	800/722-7884	AH1	AH2	104.71	329.38	194.20	567.21	NCQA 1
HMOBlue-CNY - Syracuse/Binghamton/Elmira areas	800/828-2887	EB1	EB2	106.97	370.14	134.49	319.30	NCQA 1
Independent Health Assoc - Western New York	800/453-1910	QA1	QA2	54.88	152.21	56.92	159.34	NCQA 1
MVP Health Care - Eastern Region	888/687-6277	GA1	GA2	64.34	166.20	67.00	173.05	NCQA 1
MVP Health Care - Central Region	888/687-6277	M91	M92	69.36	179.15	75.98	196.20	NCQA 1
MVP Health Care - Mid-Hudson Region	888/687-6277	MX1	MX2	74.03	223.97	78.03	205.84	NCQA 1
Preferred Care - Rochester area	800/950-3224	GV1	GV2	58.96	157.42	64.76	172.90	NCQA 1
Univera Healthcare - Western New York (Southern Counties)	716/847-0881	KQ1	KQ2	71.47	217.06	78.37	230.06
Univera Healthcare - Western New York (Northern Counties)	716/847-0881	Q81	Q82	60.14	170.53	61.83	175.31	NCQA 1
Vytra Health Plans - Queens/Nassau/Suffolk Counties	800/406-0806	J61	J62	75.61	251.86	117.29	397.00

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

 

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
New York
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Below	Average	Below	Average	Average
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
Blue Choice	$15/$15	None	$5	$20/$35	No	Above	Above	Above	Above	Average	Above
Capital District Physicians' Health Plan	$15/$15	$240	$10	$20/$35	Yes	Above	Above	Above	Above	Above	Above
Capital District Physicians' Health Plan	$15/$15	$240	$10	$20/$35	Yes	Above	Above	Above	Above	Above	Above
Capital District Physicians' Health Plan	$15/$15	$240	$10	$20/$35	Yes	Above	Above	Above	Above	Above	Above
GHI Health Plan - In-Network	$15/$15	None	$10	$20/$50	Yes	Average	Average	Average	Average	Below	Average
- Out-of-Network	50% of sch./50% of sch.	None	N/A	N/A	No
GHI Health Plan-Std	$25/$25	$250/day x 3	$10	$25/$50	Yes	Average	Average	Average	Average	Below	Average
GHI HMO Select	$10/$10	None	$10	$20/$30	Yes	Below	Below	Average	Average	Below	Below
GHI HMO Select	$10/$10	None	$10	$20/$30	Yes	Below	Below	Average	Average	Below	Below
HIP of Greater New York-High	$10/$10	None	$10	$15/$40	Yes	Average	Average	Below	Below	Average	Below
HIP of Greater New York-Std	$10/$20	$500	$10	$20/$40	Yes	Average	Average	Below	Below	Average	Below
HMO Blue	$15/$15	$240	$10	$25/$40	No	Average	Above	Above	Above	Below	Average
HMOBlue-CNY	$15/$15	$100	$10	$25/$40	No	Average	Above	Above	Above	Below	Average
Independent Health Assoc	$15/$15	None	$10	$20/$35	No	Average	Above	Above	Above	Above	Above
MVP Health Care	$15/$15	$240	$5	$20/$40	Yes	Above	Above	Above	Above	Above	Average
MVP Health Care	$15/$15	$240	$5	$20/$40	Yes	Above	Above	Above	Above	Above	Average
MVP Health Care	$15/$15	$240	$5	$20/$40	Yes	Above	Above	Above	Above	Above	Average
Preferred Care	$15/$15	None	$10	$20/$35	Yes	Above	Above	Above	Above	Above	Above
Univera Healthcare	$15/$15	$250	$10	$20/$45	No	Average	Above	Above	Average	Average	Above
Univera Healthcare	$15/$15	$250	$10	$20/$45	No	Average	Above	Above	Average	Average	Above
Vytra Health Plans	$10/$10	None	$5	$10	Yes	Average	Above	Average	Average	Above	Average

* See Brochure for details on patient's payment responsibility.

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Page 42   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
North Dakota
Heart of America HMO - Northcentral North Dakota	800-525-5661	RU1	RU2	63.19	156.07	64.14	164.85
Ohio
Aetna Health Inc. - Cleveland Area	800/537-9384	7D1	7D2	75.69	188.35	76.43	184.07	NCQA 1
Aetna Health Inc. - Greater Cincinnati Area	800/537-9384	RD1	RD2	75.82	204.47	81.79	203.65	NCQA 1
AultCare HMO - Stark/Carroll/Holmes/Tuscarawas/Wayne Co	330/363-6360	3A1	3A2	89.09	284.55	79.02	194.00
Blue HMO - Most of Ohio	800/228-4375	R51	R52	86.23	261.54	113.34	334.41	NCQA 1
HMO Health Ohio - Northeast Ohio	800/522-2066	L41	L42	72.41	200.07	81.87	237.38	NCQA 1
HOMETOWN HEALTH PLAN - Massillon	800-426-9013	MZ1	MZ2	0.00	0.00	70.24	175.60
Humana CoverageFirst (Consumer Driven Plan) - Cincinnati	888/393-6765	L81	L82	0.00	0.00	52.04	119.69
Kaiser Permanente - Cleveland/Akron areas	800/686-7100	641	642	74.21	187.55	82.21	206.66
Paramount Health Care - Northwest/North Central Ohio	800/462-3589	U21	U22	75.94	263.41	83.72	286.31	NCQA 1
SummaCare Health Plan - Cleveland, Akron areas	330/996-8700	5W1	5W2	71.83	249.26	78.77	266.13	NCQA 1
SuperMed HMO - Northeast Ohio	800/522-2066	5M1	5M2	98.15	315.97	101.10	331.07	NCQA 1
The Health Plan of the Upper Ohio Valley - Eastern Ohio	800/624-6961	U41	U42	86.86	349.29	83.66	192.40	NCQA 1
United Healthcare of Ohio, Inc. - Cincinnati/Dayton/Springfield areas	800/231-2918	3U1	3U2	148.46	345.33	164.87	383.81	NCQA 1
Oklahoma
Aetna Health Inc. - Oklahoma City/Tulsa Areas	800/537-9384	SL1	SL2	0.00	0.00	85.07	229.65
PacifiCare Southwest Region (OK & TX) - Central/Northeastern Oklahoma	800-531-3341	2N1	2N2	84.45	270.88	88.27	246.35	NCQA 1
Oregon
Kaiser Permanente-High -Portland/Salem areas	800/813-2000	571	572	95.33	221.42	106.65	248.04	NCQA 1
Kaiser Permanente-Std - Portland/Salem areas	800/813-2000	574	575	74.24	170.39	81.07	186.06	NCQA 1
PacifiCare of Oregon - Metro Portland/Salem/Corvalis/Eugene	800-531-3341	7Z1	7Z2	114.35	237.21	99.13	214.52	NCQA 1

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

    

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
North Dakota
Heart of America HMO	$10/Nothing	None	50%	50%	No
Ohio
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Average	Above	Average	Average	Below
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Average	Above	Average	Average	Below
AultCare HMO	$10/$10	None	$10	$20/$35	No	Above	Above	Above	Average	Above	Above
Blue HMO	$10/$10	None	$10	$20/$30	Yes	Average	Above	Above	Above	Below	Average
HMO Health Ohio	$10/$10	None	$10	$20/$30	Yes	Average	Average	Average	Average	Average	Below
HOMETOWN HEALTH PLAN	$15/$20	$250	$15	$25/$40	No
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Kaiser Permanente	$10/$10	$100	$10	$25	No	Above	Average	Average	Average	Average	Average
Paramount Health Care	$10/$20	$300	$5	$15/$25	No	Above	Above	Average	Average	Above	Above
SummaCare Health Plan	$10/$10	None	$10	$20/$40	Yes	Average	Above	Above	Above	Average	Above
SuperMed HMO	$10/$10	None	$10	$20	Yes	Average	Average	Average	Average	Average	Below
The Health Plan of the Upper Ohio Valley	$10/$20	$250	$15	$30/$50	Yes	Average	Above	Above	Above	Above	Above
United Healthcare of Ohio, Inc.	$15/$15	$250	$10	$15/$30	Yes	Average	Above	Average	Above	Average	Average
Oklahoma
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes
PacifiCare Southwest Region (OK & TX)	$20/$40	$400/day x 5	$20	$40/$50	Yes	Average	Below	Average	Average	Average	Average
Oregon
Kaiser Permanente-High	$10/$10	None	$10	$20	Yes	Average	Average	Below	Below	Above	Average
Kaiser Permanente-Std	$15/$15	None	$15	$30	Yes	Average	Average	Below	Below	Above	Average
PacifiCare of Oregon	$20/$45	$400/day x 5	$20	$40/$50	Yes	Average	Average	Above	Above	Average	Average

* See Brochure for details on patient's payment responsibility.

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Page 44   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Pennsylvania
Aetna Health Inc. - Philadelphia and Southeastern PA	800/537-9384	P31	P32	84.95	235.56	86.07	230.41	NCQA 1
Aetna Health Inc. - Pittsburgh Area	800/537-9384	YE1	YE2	0.00	0.00	67.16	185.21
Aetna HealthFund (Consumer Driven Plan) - Philadelphia and Southeastern PA	888/238-6240	221	222	0.00	0.00	70.11	161.27
HealthAmerica Pennsylvania-High -Greater Pittsburgh area	866/351-5946	261	262	74.22	231.10	92.80	307.02	NCQA 1
HealthAmerica Pennsylvania-Std - Greater Pittsburgh area	866/351-5946	264	265	0.00	0.00	80.13	216.95	NCQA 1
HealthAmerica Pennsylvania-High -Central Pennsylvania	866/351-5946	4N1	4N2	0.00	0.00	125.11	362.20
HealthAmerica Pennsylvania-Std - Central Pennsylvania	866/351-5946	4N4	4N5	0.00	0.00	87.48	267.43
HealthAmerica Pennsylvania-High -Northeast Pennsylvania	866/351-5946	SW1	SW2	76.82	258.12	120.90	329.51	NCQA 1
HealthAmerica Pennsylvania-Std - Northeast Pennsylvania	866/351-5946	SW4	SW5	0.00	0.00	86.22	234.91	NCQA 1
HealthAmerica Pennsylvania-High -Northwestern Pennsylvania	866/351-5946	VJ1	VJ2	0.00	0.00	81.00	225.88
HealthAmerica Pennsylvania-Std - Northwestern Pennsylvania	866/351-5946	VJ4	VJ5	0.00	0.00	74.14	189.08
Keystone Health Plan Central - Harrisburg/Northern Region/Lehigh Valley	800/622-2843	S41	S42	101.64	278.94	114.43	305.68	NCQA 1
Keystone Health Plan East - Philadelphia area	800/227-3115	ED1	ED2	80.88	296.99	87.07	318.00	NCQA 1
UPMC Health Plan - Western Pennsylvania area	888/876-2756	8W1	8W2	75.24	226.79	84.56	262.43
Puerto Rico
Humana Health Plans of Puerto Rico - Puerto Rico	800/314-3121	ZJ1	ZJ2	41.12	94.57	45.23	104.03
Triple-S - All of Puerto Rico	787/749-4777	891	892	51.84	111.34	61.16	131.38
Rhode Island
Blue Chip, Coord Hlth Partners - All of Rhode Island	401/459-5500	DA1	DA2	115.03	360.02	133.12	414.01	NCQA 1

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

   

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Pennsylvania
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Below	Average	Average	Average	Average	Average
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
HealthAmerica Pennsylvania-High	$10/$20	None	$10	$20/$40	Yes	Below	Above	Above	Above	Average	Below
HealthAmerica Pennsylvania-Std	$20/$30	$200/day x 3	$10	$35/$60	Yes	Below	Above	Above	Above	Average	Below
HealthAmerica Pennsylvania-High	$10/$20	None	$10	$20/$40	Yes
HealthAmerica Pennsylvania-Std	$20/$30	$200/day x 3	$10	$35/$60	Yes
HealthAmerica Pennsylvania-High	$10/$20	None	$10	$20/$40	Yes	Below	Above	Above	Above	Average	Below
HealthAmerica Pennsylvania-Std	$20/$30	$200/day x 3	$10	$35/$60	Yes	Below	Above	Above	Above	Average	Below
HealthAmerica Pennsylvania-High	$10/$20	None	$10	$20/$40	Yes
HealthAmerica Pennsylvania-Std	$20/$30	$200/day x 3	$10	$35/$60	Yes
Keystone Health Plan Central	$15/$20	None	$10	$25/$40	Yes	Above	Above	Above	Above	Average	Above
Keystone Health Plan East	$10/$15	None	$5	$15/$25	Yes	Below	Average	Average	Average	Above	Average
UPMC Health Plan	$10/$10	None	$5	$15/$35	Yes	Average	Above	Average	Average	Average	Average
Puerto Rico
Humana Health Plans of Puerto Rico - In-Network	$5/$5	None	$2.50	$5	No
- Out-of-Network	$8/$8	$50	N/A	N/A	No
Triple-S - In-Network	$7.50/$10	None	$5	$8/$12	Yes	Above	Above	Below	Above	Above	Average
- Out-of-Network	$7.50 + 10%/$10 + 10%	None	25%	25%	No
Rhode Island
Blue Chip, Coord Hlth Partners - In-Network	$15/$25	$500	$7	$25/$40	Yes	Below	Above	Above	Above	Average	Average
- Out-of-Network	30%/30%	None	$40+20%	$40+20%	No

* See Brochure for details on patient's payment responsibility.

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Page 46   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
South Dakota
Avera Health Plans - Eastern and Central South Dakota	888/322-2115	AV1	AV2	64.01	149.49	78.42	183.13
Sioux Valley Health Plan-High -Eastern/Central/Rapid City Areas	800/752-5863	AU1	AU2	125.21	288.21	199.90	464.02	NCQA 2
Sioux Valley Health Plan-Std - Eastern/Central/Rapid City Areas	800/752-5863	AU4	AU5	0.00	0.00	129.83	302.77	NCQA 2
Tennessee
Aetna Health Inc. - Nashville Area	800/537-9384	6J1	6J2	64.08	173.55	74.99	180.83	NCQA 1
Aetna Health Inc. - Memphis Area	800/537-9384	UB1	UB2	69.75	205.71	71.81	192.13	NCQA 1
Humana CoverageFirst (Consumer Driven Plan) - Memphis	888/393-6765	L61	L62	0.00	0.00	52.04	119.69

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

  

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
South Dakota
Avera Health Plans	$10/$15	$100/dayx3	$10	$20	No
Sioux Valley Health Plan - In-Network	$20/$30	$100/day x 5	$15	$30/$50	No	Below	Average	Above	Average	Average	Below
- Out-of-Network	40%/40%	40%	N/A	N/A	No
Sioux Valley Health Plan - In-Network	$25/$25	$100/day x 5	$15	$30/$50	No	Below	Average	Above	Average	Average	Below
- Out-of-Network	40%/40%	40%	N/A	N/A	No
Tennessee
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Average	Average	Average	Above	Below
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Average	Average	Average	Average	Above	Below
HealthSpring-High	$15/$25	$250	$10	$20/$35	No	Average	Average	Average	Above	Average	Average
HealthSpring-Std	$20/$20	$250	$10	$20/50%	No	Average	Average	Average	Above	Average	Average
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*

* See Brochure for details on patient's payment responsibility.

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Page 48   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Texas
Aetna Health Inc. - Austin/San Antonio Areas	800/537-9384	P11	P12	0.00	0.00	69.22	174.39	NCQA 1
Aetna Health Inc. - Dallas/Ft Worth/Houston Areas	800/537-9384	PU1	PU2	0.00	0.00	83.19	230.38	NCQA 1
FIRSTCARE - Waco area	800/884-4901	6U1	6U2	66.92	143.76	81.16	174.36
FIRSTCARE - West Texas	800/884-4901	CK1	CK2	145.62	280.61	146.67	279.68
HMO Blue Texas - Houston	800/833-5318	YM1	YM2	75.01	193.66	83.84	220.66	NCQA 2
Humana CoverageFirst (Consumer Driven Plan) - Houston	888/393-6765	T21	T22	0.00	0.00	62.44	143.63
Humana CoverageFirst (Consumer Driven Plan) - Dallas/Ft. Worth	888/393-6765	T81	T82	0.00	0.00	59.85	137.64
Humana CoverageFirst (Consumer Driven Plan) - Corpus Christi	888/393-6765	TP1	TP2	0.00	0.00	54.64	125.67
Humana CoverageFirst (Consumer Driven Plan) - San Antonio	888/393-6765	TU1	TU2	0.00	0.00	52.04	119.69
Humana CoverageFirst (Consumer Driven Plan) - Austin	888/393-6765	TV1	TV2	0.00	0.00	57.24	131.66
Humana Health Plan of Texas-High -San Antonio area	888/393-6765	UR1	UR2	72.46	204.19	106.65	249.93
Humana Health Plan of Texas-Std - San Antonio area	888/393-6765	UR4	UR5	58.26	149.74	74.21	170.68
Mercy Health Plans/Premier Health Plans - Webb/Zapata/Duval/Jim Hogg Counties	800/617-3433	HM1	HM2	140.42	402.29	114.21	342.77
PacifiCare Southwest Region (OK & TX) - San Antonio/Dallas/Ft.Worth	800-531-3341	GF1	GF2	77.51	264.79	99.02	235.87	NCQA 1
Utah
Altius Health Plans - Wasatch Front	800/377-4161	9K1	9K2	116.26	235.95	129.94	264.18
Vermont
MVP Health Care - All of Vermont	888/687-6277	VW1	VW2	145.29	446.06	96.88	329.10	NCQA 1

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Page 49   To Next Page   To Previous Page

Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

   

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Texas
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes
FIRSTCARE	$15/$25	$100	$10	$20/$40	Yes	Average	Above	Above	Above	Average	Average
FIRSTCARE	$15/$25	$100	$10	$20/$40	Yes	Average	Above	Average	Above	Above	Above
HMO Blue Texas	$20/$20	$100/dayx4	$10	$25/$40	Yes	Below	Below	Below	Average	Below	Below
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Humana Health Plan of Texas-High	$10/$20	$100/day x 3	$5/$20	$20/$40	No	Average	Average	Below	Average	Above	Average
Humana Health Plan of Texas-Std	$15/$25	$250/day x 3	$10/$25	$25/$45	No	Average	Average	Below	Average	Above	Average
Mercy Health Plans/Premier - In-Network	$10/$10	None	$7	$12/$25	Yes	Above	Average	Below	Above	Above	Above
- Out-of-Network	40%/40%	None	N/A	N/A	No
PacifiCare Southwest Region (OK & TX)	$20/$40	$400/day x 5	$20	$40/$50	Yes	Average	Below	Below	Below	Average	Below
Utah
Altius Health Plans	$10/$15	None	$10	$20/$40	Yes	Below	Average	Below	Below	Below	Below
Vermont
MVP Health Care	$15/$15	$240	$5	$20/$40	Yes	Above	Above	Above	Above	Above	Average

* See Brochure for details on patient's payment responsibility.

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Page 50   To Next Page   To Previous Page

Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
Virginia
Aetna Health Inc.-High -Northern/Central/Richmond Areas	800/537-9384	JN1	JN2	76.61	172.55	87.19	196.36	NCQA 1
Aetna Health Inc.-Std - Northern/Central/Richmond Areas	800/537-9384	JN4	JN5	57.27	134.04	57.28	134.05	NCQA 1
Aetna HealthFund (Consumer Driven Plan) - Northern/Central/Richmond VA Areas	888/238-6240	221	222	0.00	0.00	70.11	161.27
CareFirst BlueChoice - Northern Virginia	866/520-6099	2G1	2G2	111.39	242.58	130.52	285.01	NCQA 2
Kaiser Permanente - Washington, DC area	301/468-6000	E31	E32	66.75	158.86	79.07	188.20	NCQA 2
M.D. IPA - N.VA/Cntrl VA/Richmond/Tidewater/Roanoke	800/251-0956	JP1	JP2	75.18	181.03	79.52	190.87	NCQA 1
Optima Health Plan - Peninsula/Southside Hampton Roads	800/206-1060	9R1	9R2	113.96	289.17	98.26	254.56	NCQA 1
Piedmont Community Healthcare - Lynchburg area	888/674-3368	2C1	2C2	111.71	257.27	88.30	204.12
Washington
Aetna Health Inc. - Western/Southeast Washington	800/537-9384	8J1	8J2	68.21	173.46	64.42	163.81
Aetna HealthFund (Consumer Driven Plan) - Seattle/Western Washington	888/238-6240	221	222	0.00	0.00	70.11	161.27
Group Health Cooperative-High -Most of Western Washington	888/901-4636	541	542	95.74	209.95	104.26	228.78	NCQA 1
Group Health Cooperative-Std - Most of Western Washington	888/901-4636	544	545	0.00	0.00	76.87	173.53	NCQA 1
Group Health Cooperative-High -Central WA/Spokane/Pullman	888/901-4636	VR1	VR2	78.52	265.85	86.25	240.78	NCQA 1
Group Health Cooperative-Std - Central WA/Spokane/Pullman	888/901-4636	VR4	VR5	0.00	0.00	74.74	171.91	NCQA 1
Kaiser Permanente-High -Vancouver/Longview	800/813-2000	571	572	95.33	221.42	106.65	248.04	NCQA 1
Kaiser Permanente-Std - Vancouver/Longview	800/813-2000	574	575	74.24	170.39	81.07	186.06	NCQA 1
KPS Health Plans -High - Most of Western Washington	800/552-7114	VT1	VT2	245.57	490.99	124.52	246.46
KPS Health Plans -Std - Most of Western Washington	800/552-7114	L11	L12	0.00	0.00	77.99	170.42
PacifiCare of Oregon - Clark County	800-531-3341	7Z1	7Z2	114.35	237.21	99.13	214.52	NCQA 1

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

  

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
Virginia
Aetna Health Inc.-High	$15/$20	$150/day x 3	$10	$25/$40	No	Below	Average	Below	Average	Average	Average
Aetna Health Inc.-Std	$20/$25	$250/day x 3	$10	$25/$40	No	Below	Average	Below	Average	Average	Average
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
CareFirst BlueChoice	$20/$30	$100/day x 5	$10	$25/$40	Yes	Below	Below	Below	Average	Below	Below
Kaiser Permanente	$10/$20	$100	$10/$20Net	$20/$40	Yes	Average	Below	Below	Below	Average	Average
M.D. IPA	$10/$20	$100	$8	$20/$35	No	Average	Average	Average	Average	Above	Above
Optima Health Plan	$10/$20	$250	$10	$20/$40	Yes	Above	Above	Average	Average	Above	Above
Piedmont Community Healthcare - In-Network	$25/$25	None	$15	$30	Yes
- Out-of-Network	40%/30%	None	$15	$30	No
Washington
Aetna Health Inc.	$20/$25	$250/day x 3	$10	$25/$40	Yes	Below	Average	Average	Average	Below	Below
Aetna HealthFund - In-Network	15%*/15%*	15%*	$10*	$25*/$40*	Yes*
- Out-of-Network	40%*/40%*	40%*	$10*	$25*/$40*	Yes*
Group Health Cooperative-High	$15/$15	$200/day x 3	$15	$25/$50	Yes	Average	Average	Above	Average	Average	Average
Group Health Cooperative-Std	$20+20%/$20+20%	$200/day x 3	$20	$30/$60	Yes	Average	Average	Above	Average	Average	Average
Group Health Cooperative-High	$15/$15	$200/day x 3	$15	$25/$50	Yes	Average	Average	Above	Average	Average	Average
Group Health Cooperative-Std	$20+20%/$20+20%	$200/day x 3	$20	$30/$60	Yes	Average	Average	Above	Average	Average	Average
Kaiser Permanente-High	$10/$10	None	$10	$20	Yes	Average	Average	Below	Below	Above	Average
Kaiser Permanente-Std	$15/$15	None	$15	$30	Yes	Average	Average	Below	Below	Above	Average
KPS Health Plans - In-Network	$15/$25	None	$5	$20/50%	Yes	Above	Above	Above	Above	Above	Above
- Out-of-Network	$15+45%/$25+45%	None	N/A	N/A	No
KPS Health Plans - In-Network	$15/x3 or 20%/20%	$100/day x 5	$10	$30/50%	Yes
- Out-of-Network	$15/x3 or 45%/45%	$100/day x 5	N/A	N/A	No
PacifiCare of Oregon	$20/$45	$400/day x 5	$20	$40/$50	Yes

* See Brochure for details on patient's payment responsibility.

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Health Maintenance Organization (HMO) and Point of Service (POS) Plans

How to read this chart: The table below highlights selected features that may help you narrow your choice of health plans. Always consult plan brochures before making your final decision. This chart does not show all of your possible out-of-pocket costs.

Primary Care Specialist/Office Copay shows what you pay for each office visit to your primary care doctor and specialist. Contact your plan to find out what providers it considers specialists.

Hospital per Stay Deductible is the amount you pay when you are admitted into a hospital.

Plan name - Location	Telephone Number	Enrollment code		Premium You Paid in 2003		Premium You Will Pay in 2004		Accredited
		Self only	Self & family	Self only	Self & family	Self only	Self & family
West Virginia
The Health Plan of the Upper Ohio Valley - Northern/Central West Virginia	800/624-6961	U41	U42	86.86	349.29	83.66	192.40	NCQA 1
Wisconsin
Dean Health Plan - South Central Wisconsin	800/279-1301	WD1	WD2	68.89	203.11	73.31	197.92	NCQA 1
Group Health Cooperative - South Central Wisconsin	608/251-3356	WJ1	WJ2	70.57	216.24	71.73	193.89	NCQA 1
HealthPartners Classic-High -West Central Wisconsin	952-883-5000	531	532	116.63	307.43	156.07	405.45	NCQA 1
HealthPartners Classic-Std - West Central Wisconsin	952-883-5000	534	535	0.00	0.00	92.22	252.18	NCQA 1
HealthPartners Primary Clinic Plan - West Central Wisconsin	952-883-5000	HQ1	HQ2	203.12	515.00	256.73	647.03	NCQA 1
Humana CoverageFirst (Consumer Driven Plan) - Milwaukee	888/393-6765	FB1	FB2	0.00	0.00	57.24	131.66
Wyoming
WINhealth Partners - Wyoming	307/638-7700	PV1	PV2	66.95	188.27	108.03	401.46

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Prescription Drugs - Generic, Brand Name, and Non-formulary shows what you pay for prescriptions when you use a plan pharmacy. You pay the Brand name amount if you or your doctor requests the Brand name or if a Generic is not available. The figure in the Brand name/Non-formulary column is the copayment or coinsurance most commonly paid by members of this health plan for a Brand name formulary drug. If a nonformulary drug is prescribed and the cost to you is different than the Brand name, you pay the second amount if listed.

Mail Order Discounts. If your plan has a Mail Order program and that program is superior to the purchase of medications at the pharmacy (e.g., you get a greater quantity or pay less through Mail Order), your plan's response is "yes." If the plan does not have a Mail Order program or it is not superior to its pharmacy benefit, the plan's response is "no."

Member Survey Results - See page 3 for a description.

Accredited - The National Committee for Quality Assurance (N); the Joint Commission on Accreditation of Healthcare Organizations (J); and/or URAC (U). See page 4 for details. A lower number means a better accreditation.

   

Plan Name	Primary care/Specialist office copay	Hospital per stay deductible	Prescription drugs			Member Survey Results
			Generic	Brand Name/ Non- formulary	Mail order discount	Overall plan satisfaction	Getting needed care	Getting care quickly	How well doctors communicate	Customer service	Claims processing
West Virginia
The Health Plan of the Upper Ohio Valley	$10/$20	$250	$15	$30/$50	Yes	Average	Above	Above	Above	Above	Above
Wisconsin
Dean Health Plan	$10/$10	None	$10	30%	No	Above	Above	Above	Average	Average	Above
Group Health Cooperative	$20/$20	None	$6	$12	No	Average	Average	Above	Average	Average	Above
HealthPartners Classic-High	$15/$15	$100	$12	$12/$24	No	Below	Average	Average	Average	Below	Average
HealthPartners Open Access-Basic	$15/$15	$100	$10	$10/$35	No	Below	Average	Average	Average	Below	Average
HealthPartners Primary Clinic Plan	$20/$20	$200	$12	$12/$24	No	Below	Average	Average	Average	Below	Average
Humana CoverageFirst - In-Network	$20*/$35*	$100/day x 5*	$10/$25*	$25/$50*	No*
- Out-of-Network	30%*/30%*	30%*	$10/$25+30%*	$25/$50+30%*	No*
Wyoming
WINhealth Partners	$10/$10	None	$10	$15/$40	Yes

* See Brochure for details on patient's payment responsibility.

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