* When covered in full services are obtained from a VSP Network doctor, the patient will have no out-of-pocket expense other than any applicable copays.

VSP Vision Care Benefit Highlights

• WellVision Exam Every 12 Months
  Thorough eye exams can detect symptoms of serious eye conditions and health conditions, like diabetes and high cholesterol.
  
  
• New Lenses Every 12 Months
  In addition to covered in full glass or plastic lenses, VSP Network doctors provide cost controls on lens options, saving VSP members an average of 30% off their normal fees. Members also receive a 20% discount on additional pairs of prescription and non-prescription glasses, including sunglasses. Plus, dependent children of members are eligible for covered in full polycarbonate lenses.
  
  
• New Frames Every 12 Months
  To ensure members get the best value, VSP retail frame allowances are backed by a guaranteed wholesale allowance. This means the member receives the same value no matter which VSP Network doctor they visit. Members also receive 20% off any amount exceeding their allowance.
  
  
• Contact Lenses Every 12 Months
  VSP Network doctors provide a 15% discount off their contact lens services. Plus, current soft contact lens wearers may qualify for a covered in full contact lens evaluation and initial supply of approved replacement lenses, when provided by a VSP Network doctor. With pre-approval from VSP, medically necessary contact lenses are covered in full from a VSP Network doctor.
  
  
• Laser VisionCare Program™
  VSP contracted laser centers provide discounts for laser surgery, including PRK, LASIK and Custom LASIK.* Discounts average 15% off or 5% off if the laser center is offering a promotional price. Plus, members who have had PRK, LASIK or Custom LASIK vision correction surgery can use their covered in full benefit for sunglasses, instead of a prescription pair of glasses. (*Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member.)
  
  
• Low Vision
  Low vision is vision loss sufficient enough to prevent reading and performing daily activities. With pre-approval from VSP, low vision supplemental testing is covered every 2 years. VSP will pay 75% of the cost for approved low vision aids, up to the maximum of $1,000 (less any amount paid for supplemental testing) per member every 2 years.
  
  
• Primary Eye Care
  VSP network doctors provide supplemental medical coverage for specialty eye care services and conditions, such as pink eye, and other urgent eye care needs. Members can see their VSP doctor without a referral, as often as needed. A $5.00 copay applies for each visit.
  
  
• Exclusions and Limitations
  There may be some materials and services with either limited or no coverage under this plan. Please contact your VSP representative for more information.

Low Copays

• Co-pay for eye examination is $20.
  
  
• Co-pay for material costs is $20.

Health Maintenance Organization – HMO Plan
Available in states with at least 5 Solo W-2, Inc. employees. Inquire regarding availability.

• Detailed HMO Medical Plan Description
  
  
• Highlights of the Aetna HMO Plan
  
  
  • Annual deductible – None
    
    
  • Annual out-of-pocket maximum:
    • Individual – $1,500
    • Family – $3,000
      
      
• Lifetime maximum – Unlimited
  
  
• Typical office visit copay:
  • General – $15
  • Specialist – $25
    
    
• Urgent care and emergency room copay – $100
  
  
• Inpatient admission copay – $500
  
  
• Outpatient surgery copay – $200
  
  
• Routine eye exam copay – $25
  
  
• Pharmacy copay:
  • Generic – $15
  • Formulary – $25
  • Non-formulary – $40
    
    
• Plan Cost for HMO in 2008:
  
  

  Coverage For	Monthly Premium
  Employee only	$596.69
  Employee + Spouse or Domestic Partner	$1,367.02
  Employee + Children	$1,191.08
  Family	$1,905.92

Preferred Provider Organization – PPO Plan
Available nationwide.

• Detailed PPO Medical Plan Description
  
  
• Highlights of the Aetna PPO Plan
  
  
  • Annual deductible:
    
    
    • In-network
      • Individual – $500
      • Family – $1,000
        
        
    • Out-of-network
      • Individual – $750
      • Family – $1,500
        
        
  • Coinsurance rate:
    • In-network – 10%
    • Out-of-network – 30%
      
      
  • Annual out-of-pocket maximum:
    
    
    • In-network
      • Individual – $3,000
      • Family – $6,000
        
        
    • Out-of-network
      • Individual – $6,000
      • Family – $12,000
        
        
  • Lifetime maximum – Unlimited
    
    
• Typical office visit copay:
  • General – $15
  • Specialist – $25
    
    
• Routine eye exam copay – $25
  
  
• Routine hearing exam copay – $25
  
  
• Pharmacy copay:
  • Generic – $15
  • Formulary – $25
  • Non-formulary – $40
    
    
• Plan Cost for PPO in 2008:
  
  

  Coverage For	Monthly Premium
  Employee only	$536.45
  Employee + Spouse or Domestic Partner	$1,228.48
  Employee + Children	$1,070.63
  Family	$1,713.18

High Deductible Health Savings Account – PPO/HSA Plan
Available nationwide.

• Detailed HSA Medical Plan Description
  
  
• HSA Pamphlet
  
  
• HSA Custodial Account Information
  
  
• Highlights of the Aetna HSA Savings Account
  
  
  • You may make contributions to your HSA up to the annual limits set by the IRS.
    
    
  • Your HSA contributions are tax-free.
    
    
  • Your HSA funds are invested in a fixed-interest account that earns interest tax free! In this regard, your HSA account is similar to a typical IRA.
    
    
  • You may pay for all qualified out-of-pocket medical expenses such as deductibles, copays, prescriptions, non-covered medical products and procedures, and a wide variety of over-the-counter items (typically by using your HSA debit card) with tax-free dollars from your health savings account.
    
    
  • You may pay for COBRA premiums from your HSA account during periods of unemployment.
    
    
  • You may pay for long term care and home care from your HSA account.
    
    
  • At the end of the year, money left in the account rolls over to the next year.
    
    
  • Should you leave Solo W-2, Inc., you take your HSA with you.
    
    

• Highlights of the Aetna HSA Medical Plan
  
  
  • The HSA Medical Plan is a high-deductible PPO plan.
    
    
  • Annual deductible:
    
    
    • In-network
      • Individual – $4,000
      • Family – $8,000
        
        
    • Out-of-network
      • Individual – $4,500
      • Family – $9,000
        
        
  • Coinsurance rate:
    • In-network – 30%
    • Out-of-Network – 50%
      
      
• Annual out-of-pocket maximum:
  
  
  • In-network
    • Individual – $5,000
    • Family – $10,000
      
      
  • Out-of-network
    • Individual – 6,250
    • Family – $12,500
      
      
• Lifetime maximum:
  • In-network – Unlimited
  • Out-of-network – $2,000,000
    
    
• Pharmacy copay:
  • Generic – $15
  • Formulary – $25
  • Non-formulary – $35
  • After combined deductible for medical and Rx is met – Coverage is 100%
    
    
• Plan Cost for High Deductible HSA in 2008:
  
  

  Coverage For	Monthly Premium
  Employee only	$336.86
  Employee + Spouse or Domestic Partner	$769.45
  Employee + Children	$671.45
  Family	$1,074.53

DocFind Provider Directory
Click here for Step-by-Step Instructions to find a participating physician near you.

To access DocFind, simply log on to www.aetna.com. If you are not yet a member, go directly to DocFind from the Aetna home page. If you are already a member, go to Aetna Navigator to access DocFind.

Choose Either:

• Dental Health Maintenance Organization – DMO Plan
  Available nationwide.
  
  
• Dental Preferred Provider Organization – PPO Plan
  Available nationwide.
  
  
• Detailed DMO and PPO Dental Plan Descriptions

Highlights of the Aetna DMO Dental Plan

• Annual deductible – None
  
  
• Annual Maximum – Unlimited
  
  
• You are restricted to plan-approved dentists.
  
  
• Office visit copay – $5
  
  
• Preventive, diagnostic, and basic restorative treatments – 100%
  
  
• Surgical procedures, crowns, inlays, bridges, and dentures, etc. – 60%
  
  
• Orthodontics for adults and dependent children:
  • Copay – $2000
  • After copay – 100%
  • Lifetime maximum – None
    
    
• You may switch from DMO plan to PPO plan and back again monthly.

Highlights of the Aetna PPO Dental Plan

• Annual deductible – $50
  
  
• Annual maximum – $1000
  
  
• The schedules of in-network and out-of-network benefits are virtually the same. Plan-approved dentists agree to charge reasonable and customary rates. Out-of-network benefits pay 90th percentile of reasonable and customary expenses not on the schedule.
  
  
• Office visit copay – None
  
  
• Preventive and most diagnostic treatments – 100%
  
  
• Surgical and basic restorative treatments – 80%
  
  
• Crowns, inlays, bridges, and dentures, etc. – 50%
  
  
• Orthodontic procedures – Not covered (see DMO plan)
  
  
• You may switch from PPO plan to DMO plan and back again monthly.

Plan Cost for Both DMO and PPO Dental Plans in 2008:

Coverage For	Monthly Premium
Employee only	$42.47
Employee + Spouse or Domestic Partner	$85.73
Employee + Children	$92.96
Family	$136.23

DocFind Provider Directory
Click here for Step-by-Step Instructions to find a participating dentist near you.

To access DocFind, simply log on to www.aetna.com. If you are not yet a member, go directly to DocFind from the Aetna home page. If you are already a member, go to Aetna Navigator to access DocFind.