This page gives you immediate access to the plan description and forms
you will need to help employers and their staff get the information
that is easy to understand and use.
Group Medical Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |   Health Net    |    Kaiser    |    PacifiCare    |    Sharp    |    UHC
Dental Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |    First Dental Health    |   PacifiCare    |    UHC
Life & Disability Carriers.....
 Aetna    |    American Fidelity    |    Blue Cross    |    Blue Shield    |    The Standard    |    UHC    |    Unum
Specialty Product Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |    HSA Bank    |    Sterling HSA    |    UHC
Rate Guide   Effective: 10-1-2008   
Applications & Forms.....     Group Medical                Dental                Life Insurance                Vision
Aetna
Group Admin Manual:
Underwriting Guidelines:
Employer Handbook:
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Aetna
MC HSA Comp. HDHP $2300
4-08
PPO
2300 indiv /
4600 family
1700 indiv /
3400 family
$0 copay /
20% coinsurance after deductible 		$20 / $40 / AD $ded
Aetna
MC HSA Comp. HDHP $3000
4-08
PPO
3000 indiv / 6000 family
1000 indiv/
2000 family
$0 copay /
0% coinsurance		 $20 / $40 / AD $ded
Aetna
MC HRA HDHP $5000 80/50
4-08
PPO
5000 indiv /
10000 fam
2000 indiv /
4000 family
$0 copay /
20% coinsurance		 $20 / $40 / AD $ded
Aetna
MC HRA HDHP $3000 80/50
4-08
PPO
3000 indiv / 6000 fam
1500 indiv /
3000 family
$0 copay /
20% coinsurance		 $20 / $40 / AD$ded
Aetna
MC HRA HDHP $3300 80/50
4-08
PPO
3300 indiv /
6600 family
1700 indiv /
3400 family
$0 copay /
20% coinsurance		 $20 / $40 / AD $ded
Aetna
 EPO 80 (Open Access)
4-07
PPO
0 / 0
2000 indiv /
2 member max
$20 copay /
20% coinsurance		 $15 / $35 / AD $ded
Aetna
 EPO Limited (Open Access)
4-08
PPO
1000 indiv
4500 indiv
$0 copay /
50% coinsurance		 $20 / $40 / AD $ded
Aetna
MC 2500 100/50
12-07
PPO
2500 indiv /
7500 fam
0 / 0
 $25 copay /
0% coinsurance		 $15 / $35 / 0 $ded
Aetna
MC $2000 80/50/50
4-07
PPO
2000 indiv /
2 mem max
5000 indiv /
2 member max
$25 copay /
20% coins Prof /
50% coins Facility 		$15 / $35 / 0 $ded
Aetna
MC $1000 70/50/50
4-08
PPO
1000 indiv /
2 mem max
5000 indiv /
2 member max
$25 copay /
30% coinsurance		 $15 / $35 / 0 $ded
Aetna
MC $1000 80/50/50
4-07
PPO
1000 indiv /
2 mem max
5000 indiv /
2 member max
$20 copay /
20% coins Prof /
50% coins Facility 		$15 / $35 / 0 $ded
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Aetna
MC $500 50/50
12-07
PPO
500 indiv /
2 mem max
5000 indiv /
2 member max
$35 copay /
0% coinsurance		 $15 / na / 0 $ded
Aetna
MC $500 80/60
4-07
PPO
500 indiv /
2 mem max
4000 indiv /
2 member max
 $35 copay /
0% coinsurance		 $15 / $35 / 0 $ded
Aetna
MC $500 90/70
4-07
PPO
500 indiv /
2 mem max
4000 indiv /
2 member max
 $15 copay /
10% coinsurance		 $15 / $35 / 0 $ded
Aetna
MC $250 80/60
4-07
PPO
250 indiv /
2 mem max
3500 indiv /
2 member max
 $20 copay /
20% coinsurance		 $15 / $35 / 0 $ded
Aetna
MC $250 90/70
4-07
PPO
250 indiv /
2 mem max
3000 indiv /
2 member max
 $15 copay /
10% coinsurance		 $10 / $25 / 0 $ded
Aetna
MC Basic
4-07
PPO
1500 indiv /
2 mem max
3000 indiv /
2 member max
 3 visits / $20 copay /
20% coinsurance		 $15 / 50% copay / 0 $ded
Aetna
 Indemnity
4-08
PPO
5000 indiv /
2 mem max
3500 indiv /
2 member max
 0 visits / $0 copay /
20% coinsurance		 $10 / $25 / 150 $ded
Aetna
 HMO HRA $1500 $25/$50
4-08
HMO
1500 indiv / 3000 family
3500 indiv /
7000 family
$40 copay /
0% coinsurance		 $20 / $40 / 0 $ded
Aetna
 HMO HRA $750 $15/$30
4-08
HMO
750 indiv / 1500 family
2000 indiv /
4000 family
$25 copay /
na		 $20 / $40 / 0 $ded
Aetna
 HMO Deductible 1000
4-08
HMO
1000 indiv /
2000 family
3500 indiv /
7000 family
$40 copay /
30% coinsurance 		$20 / $40 / 0 $ded
Aetna
 HMO $30/$40
4-07
HMO
0 / 0
3000 indiv /
6000 family
 $30 copay / na $15 / $35 / 0 $ded
Aetna
 HMO $20/$40
4-07
HMO
0 / 0
2500 indiv /
5000 family
$20 copay / na $15 / $35 / 0 $ded
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Aetna
 HMO $10/$30
4-07
HMO
0 / 0
2000 indiv /
4000 family
$10 copay / na $15 / $35 / 0 $ded
Aetna
 HMO $10/$20
4-07
HMO
0 / 0
1500 indiv /
3000 family
$10 copay / na $10 / $25 / 0 $ded
Aetna
 Value Network* HMO $30/$40
4-07
HMO
0 / 0
3000 indiv /
6000 family
$30 copay / na $15 / $35 / 150 $ded
Aetna
 Value Network* HMO $10/$20
4-07
HMO
0 / 0
1500 indiv /
3000 family
$10 copay / na
 $10 / $25 / 0 $ded
Aetna
 Vitalidad Mexico con Aetna HMO $5
1-08
HMO
0 / 0
1500 indiv /
3000 family
$5 copay / na $5 / $5 / 0 $ded
Aetna
 Vitalidad Mexico con Aetna HMO $10
1-08
HMO
0 / 0
2000 indiv /
4000 family
$10 copay / na $10 / $10 / 0 $ded
Group Medical Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |   Health Net    |    Kaiser    |    PacifiCare    |    Sharp    |    UHC
Dental Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |    First Dental Health    |   PacifiCare    |    UHC
Life & Disability Carriers.....
 Aetna    |    American Fidelity    |    Blue Cross    |    Blue Shield    |    The Standard    |    UHC    |    Unum
Specialty Product Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |    HSA Bank    |    Sterling HSA    |    UHC
Rate Guide   Effective: Medical, Life, Vision: 5-2008 / Dental: 1-2008 

Applications & Forms.....     Group Medical                Dental                Life Insurance                Vision
Group Admin Manual:
Underwriting Guidelines:
Employer Handbook:
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Blue Cross
Lumenos HSA 3000
2-08
PPO
3000 / 6000
3000 / 6000
 0 visits / $0 copay /
0% coinsurance		 $0 / $/ AD $ded
Blue Cross
Lumenos HSA 1500
2-08
PPO
1500 / 3000
1500 / 3000
 0 visits / $0 copay /
0% coinsurance		 $/ $/ AD $ded
Blue Cross
Lumenos® HIA Plus 3000
2-08
PPO
3000 / 6000
3000 / 6000

0 visits / $0 copay /
0% coinsurance

 $0 / $/ AD $ded
Blue Cross
Solution 2500 PPO
7-08
PPO
2500 per person - 2 person max
5000 per person - 2 person max
0 visits / $25 copay /
25% coinsurance		 $15 / $25 / 250 $ded
Blue Cross
Solution 3500 PPO
7-08
PPO
3500 per person - 2 person max
5000 per person - 2 person max
 0 visits / $35 copay /
35% coinsurance		 $15 / $35 / 250 $ded
Blue Cross
Solution 5000 PPO
7-08
PPO
5000 per person - 2 person max
7500 per person - 2 person max
 0 visits / $40 copay /
40% coinsurance		 $15 / $35 / 250 $ded
Blue Cross
Saver PPO Plan
2-08
PPO
5000 / 10000
5000 / 10000
 2 visits / $20 copay /
0% coinsurance		 $10 / $25 / 0 $ded
Blue Cross
Basic PPO Plan
2-08
PPO
1250 / 2500
3250 / 6500
 0 visits / $0 copay /
100% coinsurance		 $10 / $25 / 0 $ded
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Blue Cross
PPO $40 Copay
2-08
PPO
500 / 1000
4500 / 9000
 12 visits / $40 copay /
45% coinsurance		 $15 / $25 / 150 $ded
Blue Cross
PPO $30 Copay
2-08
PPO
500 / 1000
4000 / 8000
 12 visits / $30 copay /
45% coinsurance		 $15 / $25 / 150 $ded
Blue Cross
PPO $45 Copay GenRx*
2-08
PPO
750 / 1500
4500 / 9000
 12 visits / $45 copay /
45% coinsurance		 $15 / $/ 0 $ded
Blue Cross
PPO $35 Copay GenRx*
2-08
PPO
500 / 1000
4000 / 8000
 12 visits / $35 copay /
45% coinsurance		 $15 / $/ 0 $ded
Blue Cross
Advantage $25 Copay*
2-08
PPO
250 / 500
3600 / 7200
 12 visits / $25 copay /
45% coinsurance		 $15 / $25 / 0 $ded
Blue Cross
Premier $20 Copay
2-08
PPO
250 / 500
3000 / 6000
 12 visits / $20 copay /
40% coinsurance		 $15 / $25 / 0 $ded
Blue Cross
Premier $10 Copay
2-08
PPO
250 / 500
2500 / 5000
 12 visits / $10 copay /
30% coinsurance		 $10 / $20 / 0 $ded
Blue Cross
Power Healthfund 750*
2-08
PPO
500 / 1000
5000 / 10000
 0 visits / $35 copay /
0% coinsurance		 $10 / $30 / 250 $ded
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Pharmacy Drugs
Blue Cross
Power Healthfund 500*
2-08
PPO
1000 / 2000
5000 / 10000
 0 visits / $40 copay /
0% coinsurance		 $10 / $35 / 350 $ded
Blue Cross
$3500 High Deductible
2-08
PPO
3500 / 7000
4000 / 7500
 0 visits / $35 copay /
0% coinsurance		 $10 / $25 / AD $ded
Blue Cross
$2400 High Deductible
2-08
PPO
2400 / 4800
3600 / 5500
 0 visits / $35 copay /
0% coinsurance		 $10 / $25 / AD $ded
Blue Cross
$2000 High Deductible EPO
2-08
PPO
2000 / 4000
3100 / 5700
 0 visits / $0 copay /
20% coinsurance		 $10 / $25 / AD $ded
Blue Cross
Hospital BeneFits Preferred
2-07
PPO
750 / 1500
3250 / 6500

0 visits / $0 copay /
50% coinsurance

 $15 / $/ 0 $ded
Blue Cross
Hospital BeneFits Plus
2-07
PPO
1000 / 2000
3500 / 7000
 0 visits / $0 copay /
50% coinsurance		 $15 / $/ 0 $ded
Blue Cross
Hospital BeneFits
2-07
PPO
1250 / 2500
3750 / 7500
 0 visits / $0 copay /
100% coinsurance		 $15 / $/ 0 $ded
Blue Cross
Power Select HMO**
2-08
HMO
500 / 1000
2250 / 4500
 0 visits / $25 copay /
0% coinsurance		 $15 / $25 / 150 $ded
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Blue Cross
Saver HMO
2-08
HMO
1500 / 3000
2250 / 4500
 0 visits / $20 copay /
0% coinsurance		 $10 / $25 / 150 $ded
Blue Cross
Classic HMO
2-08
HMO
0 / 0
1750 / 3500
 0 visits / $20 copay /
0% coinsurance		 $10 / $25 / 150 $ded
Blue Cross
HMO 100%
2-08
HMO
0 / 0
1750 / 3500
 0 visits / $10 copay /
0% coinsurance
 $10 / $20 / 150 $ded
Group Medical Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |   Health Net    |    Kaiser    |    PacifiCare    |    Sharp    |    UHC
Dental Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |    First Dental Health    |   PacifiCare    |    UHC
Life & Disability Carriers.....
 Aetna    |    American Fidelity    |    Blue Cross    |    Blue Shield    |    The Standard    |    UHC    |    Unum
Specialty Product Carriers.....
 Aetna    |    Blue Cross    |    Blue Shield    |    HSA Bank    |    Sterling HSA    |    UHC
Rate Guide   Effective: 10-2008   
Applications & Forms.....     Group Medical                Dental                Life Insurance                Vision
Group Admin Manual:
Underwriting Guidelines:
Employer Handbook:
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Blue Shield
PPO(SM) Savings Plan 4800/9600
7-08
PPO
4800 indiv /
9600 family
4800 indiv /
9600 family
0% copay /
0% coinsurance		 $0 / $0 / 0 $ded
Blue Shield
 PPO(SM) Savings Plan 3400*
Discontinued as of 2-08
7-08
PPO
3400 / 6800
4500 / 9000
 30% copay /
0% coinsurance		 $10 / $30 or 30% /
0 $ded
Blue Shield
PPO(SM) Savings Plan 2500*
7-08
PPO
2500 / 5000
4000 / 8000
 20% copay /
0% coinsurance		 $10 / $30 or 30% /
0 $ded
Blue Shield
 PPO(SM) Savings Plan 3000/6000

7-08
PPO
3000 / 6000
3000 / 6000
 $0 copay /
0% coinsurance		 $0 / $0 / 0 $ded
Blue Shield
PPO(SM) Savings Plan 2250/4500
7-08
PPO
2250 / 4500
4500 / 9000
20% copay /
0% coinsurance		 $10 / $30 or 30% /
0 $ded
Blue Shield
PPO SM Savings Plan 1800/3600
7-08
PPO
1800 / 3600
1800 / 3600
 $0 copay /
0% coinsurance		 $0 / $0 / 0 $ded
Blue Shield
PPO(SM) Plan 3000*
7-08
PPO
3000 / 6000
6000 / 12000
 20% copay /
0% coinsurance		 $15 / $30 or 30% / 500 $ded
Blue Shield
PPO(SM) Plan 2000 Value
1-09
New
Plan
PPO
2000 indiv
5000 indiv
2 visits / $40 copay /
after 2 visits 100% coinsurance until max copay has been met - then 0% coinsurance 		$15 / na / na $ded
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Blue Shield
PPO(SM) Plan 1500 Value*
7-08
PPO
1500 per member combined
4500 per member for
pref prov
3 visits / $30 copay /
after 3 visits 100% coinsurance until max ded has been met - then 30% coinsurance		 $15 / $30 or 30% /
0 $ded
Blue Shield
PPO(SM) Plan 1000
7-08
PPO
1000 indiv /
2000 family
5000 / 10000
 $45 copay /
0% coinsurance		 $10 / $30 / 250 $ded
Blue Shield
PPO(SM) Plan 1000 Value*
7-08
PPO
1000 per member
4000 per member
3 visits / $20 copay /
after 3 visits 100% coinsurance until max ded has been met - then 30% coinsurance		 $15 / $30 or 30% /
0 $ded
Blue Shield
PPO(SM) Plan 750 Value*
7-08
PPO
750 per member
4000 per member
3 visits / $15 copay /
after 3 visits 100% coinsurance until max ded has been met - then 30% coinsurance		 $15 / $30 or 30% / 250 $ded
Blue Shield
PPO(SM) Plan 500 Premier
7-08
PPO
500 / 1000
3500 / 7000
 $35 copay /
0% coinsurance		 $10 / $30 / 150 $ded
Blue Shield
PPO(SM) Plan 500 Standard*
7-08
PPO
500 / 1000
4000 / 8000
 $40 copay /
0% coinsurance		 $10 / $30 / 250 $ded
Blue Shield
PPO(SM) Plan 500 Value*
7-08
PPO
500 indiv / 1000 2 pers / 1500 family
5000 per mem
$45 copay /
0% coinsurance		 $15 / $30 / 250 $ded
Blue Shield
PPO(SM) Plan 250 Premier
7-08
PPO
250 indiv /
500 family
2750 indiv /
5500 family
$15 copay /
0% coinsurance		 $10 / $25 / 0 $ded
Company
 Name of Plan
Effective
Network
In-Network Deductible
In-Network
Out/pocket max
 In-Network
Office visits		 Participating Drugs
Gen / Brand / Ded
Blue Shield
PPO(SM) Plan 250 Standard
7-08
PPO
250 / 500
3000 / 6000
 $25 copay /
0% coinsurance		 $10 / $30 / 0 $ded
Blue Shield
PPO(SM) Plan, Zero Deductible
7-08
PPO
0 / 0
2000 / 4000
 $10 copay /
0% coinsurance		 $10 / $25 / 0 $ded
Blue Shield
Shield Active Choice(SM) Plan 750 SG*
7-08
PPO
0 / 0
5000 / 10000
 $0 copay /
100% coinsurance		 $15 / $30 or 30% / 250 $ded
Blue Shield
Shield Active Choice(SM) Plan 500 SG*
7-08
PPO
0 / 0
5000 / 10000
 $0 copay /
100% coinsurance		 $15 / $30 or 30% / 500 $ded
Blue Shield
Access+ HMO Plan 40***
7-08
HMO
0 / 0
4000 / 8000
 $40 copay /
0% coinsurance		 $15 / $30 / 250 $ded
Blue Shield
Access+ HMO Plan 30***
7-08
HMO
0 / 0
3500 / 7000
 $30 copay /
0% coinsurance		 $15 / $30 / 150 $ded