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RCA Benefit Guide

Aetna Medical Recovery

Aetna Medical Recovery Centers of America offers a choice of three medical plan options. Each plan includes comprehensive health care benefits that includes preventive care services at no cost to you, and prescription drug coverage. YOUR MEDICAL PLAN OPTIONS • Gold: Open Access Managed Choice (OAMC) 500 100/50 • Silver: Open Access Managed Choice (OAMC) 2500 90/60 • Bronze: Open Access Managed Choice (OAMC) OAMC 4000 100/70 HSA OPEN ACCESS MANAGED CHOICE The Open Access Managed Choice (OAMC) plan allows you to visit any doctor anytime you need care. No referrals are needed. You do not need to choose a PCP either. But you may want to, so you can get the most value out of your plan. PCPs do more than give you a checkup. They build a relationship with you and help you stay healthy. Plus, you may even lower your costs by having a PCP. FINDING A PARTICIPATING DOCTOR Use Aetna’s online directory. You can find doctor’s by name, specialty and location. You’ll also find maps, directions and more. You can even look for doctors who speak your language. Try it out at www.aetna.com. AETNA’S MEMBER ONLY WEBSITE When you’re an Aetna member, you get tools and resources to help you manage your health and your benefits. You’ll find all your plan information and cost-saving tools in one place—your secure member website. You just need to sign up. Members can register at www.aetna.com. AETNA MOBILE APP No matter where you are, Aetna Mobile Web gives you easy access to your health information, and tools that help you make informed decisions. Aetna Mobile Web and the Aetna Mobile app puts the most popular online features at your fingertips. You can: • Search for a doctor, dentist, hospital, or pharmacy • View your claims • View your coverage and benefits • Access your Personal Health Records • View your member ID card • Check drug prices • Contact Aetna 4 | 2018 Recovery Centers of America Benefit Guide

Medical & Prescription Benefit Summaries Gold Plan Silver Plan Bronze Plan PA 18 OAMC 500 PA 18 OAMC 2500 PA 17 OAMC 4000 100/70 HSA In-Network 100/50 Rx10 90/60 Rx10 (emb) Rx25.25 Deductible (single/family) $500/$1,000 $2,500/$5,000 $4,000/$8,000 Coinsurance (you pay) 0% 10% 0% Out-of-Pocket Maximum (single/family) $6,600/$13,200 $4,000/$8,000 $6,000/$12,000 Primary Care Copay $10 copay $25 copay 0% after ded Specialist Copay $20 copay $50 copay 0% after ded Preventive Care Covered 100% Covered 100% Covered 100% Diagnostic X-ray 0% after ded 10% after ded 0% after ded Diagnostic Laboratory 0% after ded 10% after ded 0% after ded Complex Imagine (MRI, CT scan, PET scan) 0% after ded 10% after ded 0% after ded Urgent Care $35 copay $75 copay 0% after ded Emergency Room (waived if admitted) $150 copay $200 copay 0% after ded Inpatient Hospitalization 0% after ded 10% after ded 0% after ded Outpatient Surgery 0% after ded 10% after ded 0% after ded Mental Health & Substance Abuse (inpatient) 0% after ded 10% after ded 0% after ded Mental Health & Substance Abuse (office visits) $20 copay $50 copay 0% after ded Mental Health & Substance Abuse (other services) 0% after ded 10% after ded 0% after ded Prescription Drug Generic/Preferred Brand/Non-Preferred Specialty Drugs (Preferred/Non-Preferred) Mail-order (up to 90 day supply) $10/$50$/90 50% to $500 max 2 times retail $10/$50$/90 50% to $500 max 2 times retail This benefit overview describes highlights of the programs offered to RCA employees for the 2018 plan year. It is a general summary only and is not a guarantee of current or future benefits. The plan documents, policies and certificates contain official language governing the plans and eligibility. $10/$35/$60 after ded $150/$300 after ded 2 times retail Out-of-Network Deductible (single/family) $5,000/$10,000 $5,000/$10,000 $5,000/$10,000 Coinsurance (you pay) 50% 40% 30% Out-of-Pocket Maximum (single/family) $10,000/$20,000 $10,000/$20,000 $10,000/$20,000 TAX-ADVANTAGED ACCOUNT OPTIONS Health Savings Account (HSA) The Bronze plan is a qualified High Deductible Health Plan (HDHP). With an HDHP, benefits begin to pay after the deductible has been met (for all services with the exception of preventive care). Employees enrolled in a qualified HDHP are eligible to contribute to a taxadvantaged Health Savings Account (HSA). Money in the savings account can help pay the deductible and other qualified expenses. HSA money is yours to keep. Unlike a Flexible Spending Account (FSA); unused money in your HSA is not forfeited at the end of the year, it continues to grow tax-deferred. See page 6 for more information. Flexible Spending Account (FSA) All employees are eligible to elect Flexible Spending Account (FSA), regardless of enrollment in an RCA medical plan. However, please note that you cannot have both an HSA and a Healthcare FSA. See page 6 for more information. Contact or visit Aetna: Online: www.aetna.com By Phone: 1-877-238-6200 2018 Recovery Centers of America Benefit Guide | 5

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