aetna_ifp_brochure_c.. - Health Insurance

1-800-MY Healthwww.aetnaindividual.comGlossary of termsTo help you understand yourhealth care options, here area few definitions of termsyou’ll see throughout thisbrochure. For a more in-depthlist of terms, please visitwww.planforyourhealth.com.*Deductible – A fixed yearly dollar amountyou pay before the benefits of the planpolicy start.Coinsurance – The dollar amount that theplan and you pay for covered benefits afterthe deductible is paid.Copayment (Copay) – A fixed dollaramount that you must contribute towardthe cost of covered medical services undera health plan.Lifetime Maximum – The total dollaramount of benefits you may receive, orthe limited number of particular servicesyou may receive, over the term of thepolicy.Premium – The amount charged, oftenin installments, for an insurance policy.Out-of-Pocket Maximum – Theamounts such as coinsurance anddeductibles that an individual is requiredto contribute toward the cost of healthservices covered by the benefits plan.*Plan For Your Health is a public education programfrom Aetna and the Financial Planning Association.If you need this material translated into another language, please call Member Servicesat 1-866-565-1236.Si usted necesita este material en otro lenguaje, por favor llame a Servicios al Miembro al1-866-565-1236.This material is for information only and is not an offer or invitation to contract. Plan features andavailability may vary by location. Plans may be subject to medical underwriting or other restrictions.Rates and benefits may vary by location. Health insurance plans contain exclusions and limitations.Investment services are independently offered through JPMorgan Institutional Investors, Inc., asubsidiary of JPMorgan Chase Bank. Providers are independent contractors and are not agents ofAetna. Provider participation may change without notice. Aetna does not provide care or guaranteeaccess to health services. Not all health services are covered. See health insurance plan documentsfor a complete description of benefits, exclusions, limitations and conditions of coverage. Planfeatures are subject to change. Aetna receives rebates from drug makers that may be taken intoaccount in determining Aetna’s Preferred Drug List. Rebates do not reduce the amount a memberpays the pharmacy for covered prescriptions. Material subject to change.The Vital Savings by Aetna ® program (the “Program”) is not insurance.The Program provides Members with access to discounted fees pursuantto schedules negotiated by Aetna Life Insurance Company for the VitalSavings by Aetna ® discount program. The Program does not makepayments directly to the providers participating in the Program. EachMember is obligated to pay for all services or products but will receivea discount from the providers who have contracted with the DiscountMedical Plan Organization to participate in the Program. Aetna LifeInsurance Company, 151 Farmington Avenue, Hartford, CT 06156,1-877-698-4825, is the Discount Medical Plan Organization.For more information about Aetna plans, refer to www.aetna.com.AA.02.305.1-CO (12/07)©2007 Aetna Inc.