Basic PPO

New Basic PPO Option

Effective 01/01/2002

A new Basic PPO plan is being introduced as another option for employees. This new option will have lower levels of coverage than the Enhanced PPO and lower employee contributions. This plan might also be suitable for employees looking for lower cost plan that provides good basic coverage for catastrophic protection.

Basic PPO	Coverage	Comments
Deductible
Individual	$500	All services
Family	$1,000
Co-insurance
Network	80%
Non-network	60%
Prescriptions
Brand	40% co-payment	31-day supply at participating pharmacies
Generic	20% co-payment	31-day supply at participating pharmacies
Out-of-pocket maximum
Network	$3,500/person $7,000/family
Non-network	$5,000/person $10,000 family

Employee Monthly Contributions

	2002	Per pay period
Employee Only	$ 5	$2.50
Employee & Spouse	$ 35	$17.50
Employee & Child(ren)	$ 30	$15.00
Employee, Spouse & Child(ren)	$ 40	$20.00

Contributions will be deducted from your paycheck on a pre-tax basis. This will reduce your taxable income for the year and lower your overall tax obligation.

When you enroll in the Basic PPO plan, the Traditional Dental plan (NO orthodontia coverage) and the vision benefit is included.

This summary is intended to provide a brief overview of the changes for 2002. A more detailed description of the plan will be provided with the Open Enrollment materials. All changed are effective January 1, 2002.

October 23, 2001

Revised: January 14, 2005.