Bringing health and wellness togetherAGB medical coverage and wellness programs

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Whole Body Health snapshot■ Choice of three medical

plans — Indemnity, PPO or HRA

■ Freedom to visit any doctor■ Built-in wellness programs■ Special discounts on healthy

lifestyle programs■ Customizable for the largest

or smallest of businesses

A e t n AG l o b A lb e n e f i t s ®

Maintaining good health is more than an occasional trip to the doctor. It’s about having the right coverage and programs, at the right time, that travel with employees wherever they go.

Aetna Global Benefits (AGB) delivers … with three quality medical plans that give globally mobile employees “anytime, anywhere” benefits to maintain their health, plus built-in perks like Web-based plan information and special savings on wellness products and services.

It’s a great way for employees to take care of their total health. Employers benefit from increased productivity, more manageable health costs and more time to take care of business — not benefits.

Medical plan options

TRADITIONAL CHOICE® (INDEMNITY)

In this fee-for-service plan, employees are responsible for getting precertification approvals in the United States and submitting claims. Precertification is not required for emergencies. Deductibles and coinsurance are typical out-of-pocket expenses.

OPEN CHOICE® (PPO)

Our preferred provider organization (PPO) plan lets employees visit any provider they choose — but they typically pay less out of pocket when visiting doctors or hospitals that are part of the Aetna U.S. network.

Here’s to good health …AETNA HEALTHFuND® HRA

The Aetna HealthFund Health Reimbursement Arrangement (HRA) is a simple, three-part plan that helps employees take charge of their health and their health care spending. They start out with a fund to help pay for medical expenses — picking and choosing the doctors or services that fit their needs. Preventive care is covered at 100%.

With Aetna HRA, employees don’t have to second-guess their coverage — it’s all laid out in these three easy steps:

If, as the saying goes, an apple a day keeps the doctor away, just imagine what a dose of savings on healthy services and products can do for employees! That’s why as part of their medical plans, employees have access to the following discount programs while in the united States:

Savings on natural products and servicesEmployees get special rates on services for chiropractic, acupuncture, massage therapy, nutrition counseling, aromatherapy, homeopathy and more. Savings on over-the-counter vitamins and nutritional supplements are also available.

Savings on fitnessEmployees can shape up, and save at the same time! They can save on fitness club memberships as well as home exercise equipment like treadmills, ellipticals … even exercise videos!

Savings on hearing exams and hearing aids Employees receive 40% off the cost of hearing exams and hearing aid services. They’ll also save on the styles and technologies of hearing aids — everything they need to make their world sound a little clearer.

Savings on vision careEmployees can save on eye exams, eyeglasses, contacts … even LASIK. And with a broad range of participating national chains like Target Optical®, Sears Optical®, Pearle Vision® and LensCrafters®, finding a location — and saving — is a snap.

And that’s not all — employees can save big on things that are healthy AND fun! For instance:

Savings on spa visitsEmployees can save 10% on any $100 purchase of a SpaWish® gift certificate, good at over 1,000 spas across the United States.

Savings on city, restaurant and movie reviewsWhen employees subscribe to Zagat online, they’ll save 30% on membership. They can choose to receive restaurant reviews only, or full access for ratings on hotels, restaurants, movies and other attractions. This is especially helpful when searching for healthy choices. They can save on printed guides, too!

Savings on personalized meal plansEmployees can get a personalized eating plan, and save 25% on eDiets® membership dues. Customized weekly menus, recipes, support boards, chats, nutrition tools and fitness tips are available.

Savings on health and wellness informationEmployees can also save on newsletters and books from the MayoClinic.com bookstore. There they’ll find recipes for healthy living, advice on staying in shape, guides on certain medical conditions and much more.

Savings on weight managementEmployees around the globe can save on Jenny Craig® weight loss programs and products. All programs are personalized and offer one-on-one support from trained weight loss consultants. Additional perks include weekly weight loss consultation, personalized menu planning, motivational materials and free use of Jenny eTools.

… and healthy savings

1. The Fund

■ At the start of each plan year, employees receive a fund to help pay for eligible out-of-pocket expenses incurred anywhere in the world!

■ If they incur a medical expense, it gets paid from the fund first.

■ At the end of the year, unused fund dollars roll over to the following year — building for future health care expenses.

Quick fact: Employees receive preventive care coverage — at 100% — without touching their fund dollars!

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er No matter where employees travel, we want to get them there, and home, safely and in good health. Our CityHealth ProfilesSM section of our website lets employees look up emergency numbers and other important contact information for hundreds of international locations.

2. The Deductible

■ Once an employee depletes the fund, he or she is responsible for any remaining balance toward the plan deductible.

■ Plan coverage begins once this deductible is satisfied.

■ When expenses are paid from the fund, the deductible is automatically reduced by the same amount — so employees pay less out of pocket to meet the deductible.

■ If the fund grows larger than the deductible, eligible expenses are paid in one of two ways:

> The fund continues to pay 100% of eligible expenses until the fund is gone; then expenses are paid by the medical plan.

> The medical plan provides coverage, but the fund pays coinsurance; when the fund is gone, the employee pays coinsurance.

Quick fact: Employees who grow their HRA balance may build up enough to cover their entire deductible!

3. Medical and Prescription Benefits*

■ After the fund is depleted and the deductible is met, eligible health expenses are covered according to the plan coverage level.

■ If an employee has an AGB prescription plan, eligible drug expenses are also covered once the fund is depleted and the deductible met.

■ Check out the comparison chart to see how employees can access medical and prescription benefits in and out of the United States.

Quick fact: Employees don’t have to worry about over-spending on health care with the out-of-pocket maximum feature!

* If Aetna Pharmacy Management coverage is integrated.

Compare the basics

What doctors are available?

How easy is it?

What do employees pay?

How much of the bill do members pay at the time of service?

What are funding arrangements?

Any extra plan details?

INDEMNITY

Since there is no network, employees can visit any licensed medical professional.

No referrals — employee is responsible for submitting claims.

Plan coverage is the same no matter which doctor they choose.

■ Outside the U.S.: Employees pay the entire fee up front and submit a claim for reimbursement. (If they use a direct-settlement facility, we will pay the plan coinsurance immediately based on their plan coverage.)

■ In the U.S.: The employee or doctor submits the claim.

Fully- or self-insured (self-insured requires a minimum employee population of 500).

Deductibles, coinsurance and calendar-year maximums typically apply, except to preventive services.

OPEN CHOICE PPO

Employees can visit any licensed medical professional — in or out of network; may get a significant cost break when seeking care from a network doctor in the U.S.

No referrals and no claims forms in the U.S. (if visiting a network provider).

When employees visit a doctor in the Aetna U.S. network, they pay less than when they visit a non-network doctor.

■ Outside the U.S.: Employees pay the entire fee up front and submit a claim for reimbursement. (If they use a direct-settlement facility, we will pay the plan coinsurance immediately based on their plan coverage.)

■ In the U.S.: The employee pays a percentage of the service — we take care of the rest! If visiting a network provider, the doctor submits the claim.

Fully- or self-insured (self-insured requires a minimum employee population of 500).

Deductibles, coinsurance and calendar-year maximums typically apply, except to preventive services — may vary for in-network and out-of-network services.

AETNA HEALTHFuND HRA

Employees can visit any licensed medical professional — in or out of network; may get a cost break when seeking care from a network doctor in the U.S.

No referrals and no claims forms in the U.S. (if visiting a network provider).

When employees visit a doctor in the Aetna U.S. network, they pay less than when they visit a non- network doctor. Only coinsurance applies — no copays included.

■ Outside the U.S.: Employees pay the entire fee up front and submit a claim for reimbursement. (If they use a direct-settlement facility, we will pay the plan coinsurance immediately based on their plan coverage.)

■ In the U.S.: The employee pays a percentage of the service — we take care of the rest! If visiting a network provider, the doctor submits the claim.

Fully- or self-insured (self-insured requires a minimum employee population of 500).

A fund, deductibles, coinsurance and calendar-year maximums typically apply, except to preventive services — may vary for in-network and out-of-network services.

Health insurance plans are offered, underwritten or administered by Aetna Life & Casualty (Bermuda) Ltd. or Aetna Life Insurance Company. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features are subject to change. Aetna HealthFund HRA benefits may be used only for covered health services. HealthFund HRA balances are unfunded liabilities of the employer for self-funded accounts. Fund balances are not vested benefits. Discount programs provide access to discounted prices and are not insured benefits. Information subject to change. For more information about Aetna Global Benefits plans, refer to www.aetnaglobalbenefits.com.

©2010 Aetna Inc.46.02.105.1 B (9/10)

Making benefits management easier

Now that employees have the plans to better control their health care, they deserve top-of-the-line tools to manage it. Our interactive technology lets them do this, and more!

For starters, employees around the globe can take advantage of our full suite of online resources at www.aetnaglobalbenefits.com. There they can learn about their international destination, search for doctors, translate medical terms, find prescription drug equivalents, watch a virtual benefits meeting and much more!

Employees also have a one-stop shop for all of their benefit management needs through Aetna Navigator®, their secure personalized benefits website. Here they can:

■ Check claim status

■ Replace ID cards

■ View personalized health history reports — great to print and share with doctors

■ And more!

At your service — anytime, anywhere.

That’s not all — employees in the United States can also access Aetna Navigator to:

■ Locate participating pharmacies and learn about our mail-order drug program.

■ Dig a little deeper into hospital quality and costs, with our Hospital Comparison Tool.

■ Research the average price for hospital stays, medical procedures and prescriptions with the Estimate the Cost of Care Tool.

■ Find a network doctor or hospital anytime with the DocFind® directory.

We take care of benefits, so you can take care of business. To learn more, contact your AGB representative, broker or consultant or visit us on the Web at www.aetnaglobalbenefits.com.