Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Aetna Student Health: University of Michigan - International

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO

This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document
at http://www.aetnastudenthealth.com/umich or by calling 1-800-242-3721. Important Questions Answers $50 per Injury/Sickness. May be waived or Reduced to $10, if certain conditions are met. Does not apply to Preventive Care, Prescriptions, Mental Health, Maternity, Elective Abortion, & Immunizations. No No This plan has no out-of-pocket limit. Why this Matters: You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible. You dont have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers. Theres no limit on how much you could pay during a coverage period for your share of the cost of covered services. Not applicable because theres no out-of-pocket limit on your expenses. The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits. If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-ofnetwork provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers.

What is the overall deductible?

Are there other deductibles for specific services? Is there an outofpocket limit on my expenses? What is not included in the outofpocket limit?

Is there an overall annual No limit on what the plan pays? Does this plan use a network of providers? Yes. For a list of preferred providers, see http://www.aetnastudenthea lth.com/umich or call 1-800-242-3721

Do I need a referral to see a specialist? Are there services this plan doesnt cover?

For the Ann Arbor Campus, the deductible is reduced when care This plan will pay some or all of the costs to see a specialist for covered services but only if you is initiated at Student health have the plans permission before you see the specialist. center. Yes Some of the services this plan doesnt cover are listed on page 5. See your policy or plan document for additional information about excluded services. 500499-912071-900087
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Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

Summary of Benefits and Coverage: What this Plan Covers & What it Costs Common Medical Event

Aetna Student Health: University of Michigan - International

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO

Co-payments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Co-insurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plans allowed amount for an overnight hospital stay is $1,000, your co-insurance payment of 20% would be $200. This may change if you havent met your deductible. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use participating providers by charging you lower deductibles, co-payments and co-insurance amounts. Services You May Need Primary care visit to treat an injury or illness Specialist visit Your cost if you use an Preferred Provider No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge Non-Preferred Provider No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge Limitations & Exceptions ---none--Chiropractic Care - limited to 1 visit per day. ---none---

If you visit a health care providers office or clinic

Other practitioner office visit Preventive care/screening/immunization Diagnostic test (x-ray, blood work)

If you have a test

Imaging (CT/PET scans, MRIs)

No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge

No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge

---none---

Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

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Summary of Benefits and Coverage: What this Plan Covers & What it Costs Common Medical Event If you need drugs to treat your illness or condition More information about prescription drug coverage is available at http://www.aetnastudent health.com/umich. If you have outpatient surgery If you need immediate medical attention Services You May Need Generic drugs Preferred brand drugs Non-preferred brand drugs Specialty drugs Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees Emergency room services Emergency medical transportation Urgent care

Aetna Student Health: University of Michigan - International

Your cost if you use an Preferred Provider

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO Non-Preferred Provider Limitations & Exceptions

10% Coinsurance per prescription (retail)

10% Coinsurance per prescription (retail)

Covers up to a 30 day supply

No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge

No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge

---none---

---none---

Facility fee (e.g., hospital room) No Charge If you have a hospital stay Physician/surgeon fee No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge

If pre-certification is not obtained a $200 deductible applies. ---none---

Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

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Summary of Benefits and Coverage: What this Plan Covers & What it Costs Common Medical Event Services You May Need Mental/Behavioral health outpatient services

Aetna Student Health: University of Michigan - International

Your cost if you use an Preferred Provider $25 Copay per visit

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO Non-Preferred Provider $50 Copay per visit Limitations & Exceptions ---none--Limited to 30 days per policy year for any one or related mental health condition. If pre-certification is not obtained a $200 deductible applies. ---none--Limited to 30 days per policy year. If pre-certification is not obtained a $200 deductible applies.

If you have mental health, behavioral health, or substance abuse needs

Mental/Behavioral health inpatient services Substance use disorder outpatient services Substance use disorder inpatient services

No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge $25 Copay per visit No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000,then no charge Diagnostic TestsNo Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge InpatientNo Charge DeliveryNo Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge

No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge $50 Copay per visit No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge Diagnostic TestsNo Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge InpatientNo Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge Delivery- No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge

Prenatal and postnatal care

---none---

If you are pregnant Delivery and all inpatient services

If pre-certification is not obtained a $200 deductible applies

Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

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Summary of Benefits and Coverage: What this Plan Covers & What it Costs Common Medical Event Services You May Need Home health care If you need help recovering or have other special health needs Rehabilitation services Habilitation services Skilled nursing care Durable medical equipment Hospice service Eye exam Glasses Dental check-up

Aetna Student Health: University of Michigan - International

Your cost if you use an Preferred Provider No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge Not Covered

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO Non-Preferred Provider No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge No Charge for 1st $5,000, then 20% Coinsurance to $40,000, then no charge Not Covered Limitations & Exceptions ---none--Includes physical, occupational, and speech; limited to 1 visit per day. ---none-----none-----none-----none---

If your child needs dental or eye care

Excluded Services & Other Covered Services:

Services Your Plan Does NOT Cover (This isnt a complete list. Check your policy or plan document for other excluded services.) Acupuncture Bariatric surgery Cosmetic surgery Dental care (Adult) Dental care (Child) Glasses Hearing aids Infertility treatment Long term care Non-emergency care when traveling outside the U.S. Private-duty nursing Routine eye care (Adult) Routine eye care (Child) Routine foot care Weight loss programs

Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

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Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Aetna Student Health: University of Michigan - International

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO

Other Covered Services (This isnt a complete list. Check your policy or plan document for other covered services and your costs for these services.) Chiropractic care

Your Rights to Continue Coverage:

Federal and State laws may provide protections that allow you to keep this health insurance coverage as long as you pay your premium. There are exceptions, however, such as if: You commit fraud The insurer stops offering services in the State You move outside the coverage area

For more information on your rights to continue coverage, contact the insurer at 1-800-242-3721. You may also contact your state insurance department at 1-877-999-6442.

Your Grievance and Appeals Rights:

If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact Aetna at 1-800-242-3721. You may also contact your state insurance department at 1-877-999-6442.

Language Access Services:

Para obtener asistencia en Espaol, llame al 1- 800-242-3721. Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-242-3721. 1-800-242-3721. Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-242-3721.

To see examples of how this plan might cover costs for a sample medical situation, see the next page.

Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

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Coverage Examples

Aetna Student Health: University of Michigan - International

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO

About these Coverage Examples:

These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans.

Having a baby
(normal delivery) Amount owed to providers: $7,540 Plan pays $5,900 Patient pays $1,640 Sample care costs: Hospital charges (mother) Routine obstetric care Hospital charges (baby) Anesthesia Laboratory tests Prescriptions Radiology Vaccines, other preventive Total Patient pays: Deductibles Co-pays Co-insurance Limits or exclusions Total $2,700 $2,100 $900 $900 $500 $200 $200 $40 $7,540 $50 $0 $1,440 $150 $1,640

Managing type 2 diabetes

(routine maintenance of a well-controlled condition) Amount owed to providers: $5,400 Plan pays $4,510 Patient pays $890 Sample care costs: Prescriptions Medical Equipment and Supplies Office Visits and Procedures Education Laboratory tests Vaccines, other preventive Total Patient pays: Deductibles Co-pays Co-insurance Limits or exclusions Total $2,900 $1,300 $700 $300 $100 $100 $5,400 $50 $0 $760 $80 $890

This is not a cost estimator.

Dont use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different. See the next page for important information about these examples.

Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

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Coverage Examples

Aetna Student Health: University of Michigan - International

Coverage Period: beginning on or after 9/1/11 Coverage for: Individual Plan Type: PPO

Questions and answers about the Coverage Examples:

What are some of the assumptions behind the Coverage Examples?
Costs dont include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and arent specific to a particular geographic area or health plan. The patients condition was not an excluded or preexisting condition. All services and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from innetwork providers. If the patient had received care from out-of-network providers, costs would have been higher.

What does a Coverage Example show?

For each treatment situation, the Coverage Example helps you see how deductibles, co-payments, and co-insurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isnt covered or payment is limited.

Can I use Coverage Examples to compare plans?

Yes. When you look at the Summary of

Benefits and Coverage for other plans, youll find the same Coverage Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverage the plan provides.

Does the Coverage Example predict my own care needs?

No. Treatments shown are just examples.

Are there other costs I should consider when comparing plans?

The care you would receive for this condition could be different based on your doctors advice, your age, how serious your condition is, and many other factors.

Yes. An important cost is the premium

Does the Coverage Example predict my future expenses?

No. Coverage Examples are not cost

estimators. You cant use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows.

you pay. Generally, the lower your premium, the more youll pay in out-ofpocket costs, such as co-payments, deductibles, and co-insurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses.

Questions: Call 1-800-242-3721 or visit us at http://www.aetnastudenthealth.com/umich. If you arent clear about any of the bolded terms used in this form, see the Glossary. You can view the Glossary at www.healthreformplanSBC.com.

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