CalChoice HMO Aetna* No Deductible. No Deductible DR OFFICE VISITS $15 Copay. $25 Copay. $100 Copay. $100 Copay HOSPITAL SERVICES 100%

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1 Benefit Summaries 34 plans with office copays from $15 to $40 CalChoice HMO 15 2 CalChoice HMO 25 2 CalChoice HMO 25 2 CalChoice HMO 25 2 Aetna*, Anthem Blue Cross*,, Kaiser Permanente, Sharp, Western Health Advantage Aetna* Anthem Blue Cross* - $450 Copay per day - $450 Copay per day - $450 Copay per day - $10 Copay $100 Ded. - $100 Ded. - $100 Ded. - Not Not 7 Not Out-of-Pocket Max $2,000/$4,000 $2,500/$5,000 3 visits per day/100 visits $45 Copay per day /100 days /100 days $50 per trip $100 per trip Not Not $450 Copay per day - Not -,,

2 Benefit Summaries CalChoice HMO 25 2 CalChoice HMO 25 2 CalChoice HMO 25 2 CalChoice HMO 25 Kaiser Permanente Sharp Western Health Advantage Aetna* $5 Copay - per day Max $1,200 per day Max $1,200 $550 Copay per day Max $1,650 $10 Copay $100 Ded. - $100 Ded. - $200 Ded. - Not Not Not Not Out-of-Pocket Max $2,500/$5,000 $2,500/$5,000 $2,500/$5,000 $300 Copay $300 Copay $300 Copay 3 visits per day/100 visits per day Max $1,200/100 days per day Max $1,200/100 days $550 Copay per day Max $1,650/100 days $100 per trip $100 per trip $100 per trip - Not per day - Max $1,200 Not - per day Max $1,200, per day Max $1,200, $550 Copay per day Max $1,650,

3 Benefit Effective March Summaries 1, 2013 CalChoice HMO 25 CalChoice HMO 25 Elect Open Access 25 Plus Elect Open Access 25 Anthem Blue Cross* $1,000 Sgl. $2,000 Fam. (applies to Max OOP) HMO PPO HMO PPO 80% after deductible after deductible $100 Ded. - $200 Ded. - $100 Ded. - $100 Ded. - Not 7 Not Not Out-of-Pocket Max $3,000 Ind/$6,000 Two Party/$7,000 Fam $3,000 Ind/$6,000 Two Party/$7,000 Fam 80% after deductible $45 Copay after deductible $100 per trip Not 80% after deductible, 30 Days (30 days ) 80% after deductible, 3

4 Benefit Summaries Salud HMO y Más 6 CalChoice HMO 30 2 CalChoice HMO 30 2 CalChoice HMO 30 2 Health Net Aetna* Anthem Blue Cross* Max $1,000 $150 Ded. - $150 Ded. - $150 Ded. - Not Not 7 Not Out of Pocket Max $2,500/$5,000 $300 Copay 3 visits per day/100 visits $45 Copay Max $1,000/100 days /100 days /100 days $50 per trip Not Not Not Max $1,000,,,

5 Effective March 1, 2013 CalChoice HMO 30 2 CalChoice HMO 30 2 CalChoice HMO 30 2 CalChoice HMO 30 Kaiser Permanente Sharp Western Health Advantage Aetna* $10 Copay $450 Copay - $650 Copay per day Max $1,950 $150 Ded. - $150 Ded. - $200 Ded. - Not Not Not Not Out of Pocket Max $45 Copay $45 Copay 3 visits per day/100 visits /100 days /100 days $650 Copay per day Max $1,950/100 days $450 Copay - Not Not $450 Copay -,, $650 Copay per day Max $1,950, 5

6 Benefit Summaries CalChoice HMO 30 CalChoice HMO 30 CalChoice HMO 40 2 CalChoice HMO 40 2 CalChoice HMO 40 2 Sharp Aetna* Anthem Blue Cross* $1,000 Sgl. $2,000 Fam. 70% 70% after deductible 8 70% after deductible 8 after deductible $200 Ded. - $150 Ded. - $35 Copay $200 Ded. - $200 Ded. - $200 Ded. - Not Not Not 7 Not Out of Pocket Max (pre-authorization required) 70% 70% after deductible 8 $500 Copay $500 Copay $45 Copay 70% after deductible Max 100 visits per calendar year 70% after deductible 8 Max 100 days per calendar year 3 visits per day/100 visits 100 days $150 per trip after deductible 20 visits per calendar year Not Not Not Not 70% per visit after deductible, Emergency Room only,

7 Effective March 1, 2013 CalChoice HMO 40 2 CalChoice HMO 40 2 CalChoice HMO 40 2 CalChoice HMO 40 Kaiser Permanente Sharp Western Health Advantage Aetna* $10 Copay $750 Copay per day Max $2,250 $200 Ded. - $200 Ded. - $200 Ded. - Not Not Not Not Out of Pocket Max $500 Copay $500 Copay $500 Copay $300 Copay 3 visits per day/100 visits $750 Copay per day Max $2,250/100 days Not Not $750 Copay per day Max $2,250 7

8 Benefit Summaries CalChoice HMO 40 CalChoice HMO 40 CalChoice HMO 40 CalChoice HMO 40 Elect Open Access 40 Plus Anthem Blue Cross* Sharp Western Health Advantage Out of Pocket Max $1,500 Sgl. $3,000 Fam. (applies to Max OOP) 70% after deductible after deductible $250 Ded. - 7 $4,000/$8,000 70% after deductible after deductible 70% after deductible 70% after deductible 60% $200 Ded. - Not 60% 60% Not 60%, $1,500 Sgl. $3,000 Fam. 60% after deductible 8 60% after deductible 8 after deductible $150 Ded. - $35 Copay Not $4,000/$8,000 (pre-authorization required) 60% after deductible 8 after deductible Max 100 visits per calendar year 60% after deductible 8 Max 100 days per calendar year $2,500 Sgl. $5,000 Fam. after deductible (applies to Max OOP ) after deductible $250 Ded. - Not $5,000/$10,000 $150 per trip after deductible $50 per trip 20 visits per calendar year Not per visit after deductible, Emergency Room only, after deductible after deductible, HMO $55 Copay PPO $200 Ded. - Not $3,500 Ind/$7,000 Two Party/$8,000 Fam $500 Copay 60% 30 Days

9 Medical Benefit Notes * Anthem Blue Cross and Health Net offer the option of an additional provider network. Those additional options are noted as: Anthem Blue Cross Select HMO and Health Net Silver HMO. Prior to enrollment, the employer may elect to offer the standard network OR these provider networks to their employees. If you choose to offer the Select and Silver network, Aetna HMO benefit designs in the Aetna Network (not available in all counties in CA) will also be available. 1 Health plans that provide hospital, medical or surgical coverage must provide coverage for the diagnosis and medically necessary treatment of severe mental illnesses of a person of any age, and serious emotional disturbances of a child, as specified, under the same terms and conditions applied to other medical conditions. These benefits will include inpatient, partial hospitalization and outpatient services and prescription drugs, if the plan includes drug coverage. The mental health benefits must be applied the same as any other medical benefit including, but not limited to, maximum lifetime benefits, copay and individual and family deductibles. Severe mental illness includes: schizophrenia, schizophrenic disorder, bipolar disorder (manic-depressive illness), major depressive disorders, panic disorders, obsessive-compulsive disorder, pervasive development disorder or autism, anorexia and bulimia nervosa. 2 Copayment shall be up to the designated amount, or 50% of provider s contracted rate, whichever is less. 3 For Anthem Blue Cross - If a member selects a brand-name drug when a generic-equivalent is available, the member will be responsible for the generic copay plus the difference in cost between the brand-name drug and the generic-equivalent drug unless the physician writes dispense as written or do not substitute. The amount paid does not apply to the member s brand-name deductible as applicable. 4 For Anthem Blue Cross - Pre-service review is required for the following mental or nervous disorders and substance abuse services: 1) Facility-based treatment or you will be required to pay a $250 copayment if pre-service review is not obtained; and 2) Outpatient professional services after twelve visits. 5 For complete information as to the mental health/substance abuse benefits and eligibility required under California and federal law, please see mental health/substance abuse benefit description provided by Plan/CHOICE Administrators Insurance Services. Note: Certain small groups, depending on their size, may be eligible to receive mental health and substance abuse benefits in parity with (equivalent to) their medical benefits from Plan. 6 Salud HMO y Más benefits are shown for Salud Network. Please see Salud Application/Brochure for SIMNSA Network benefits. 7 In lieu of physical therapy visits. Must be approved by PMG/IPA. 8 Of contracted rates. This summary of benefits has been updated to comply with federal and state requirements, including applicable provisions of the recently enacted federal health care reform laws. As we receive additional guidance and clarification on the new health care reform laws from the U.S. Department of Health and Human Services, Department of Labor and Internal Revenue Service, we may be required to make additional changes to this summary of benefits. This summary of benefits, as updated, is subject to the approval of the California Department of Insurance and the California Department of Managed Health Care (as applicable). 9

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