A Health Maintenance Organization (High, Basic and Saver ...

1 Aetna Open Access and Aetna Saver Plans Customer Service 800-537-9384. 2021. A Health Maintenance Organization (High, Basic and Saver Options). This plan's Health coverage qualifies as minimum essential coverage and meets the minimum value standard for the benefits it provides. See IMPORTANT. page 7 for details. This Plan is accredited. See page 12. Rates: Back Cover Changes for 2021: Page 17. Serving: All of Washington, , All of Maryland, and Northern Summary of Benefits: Page 143. Virginia Areas. Enrollment in this Plan is limited. You must live or work in our geographic service area to enroll. See page 16 for requirements. Enrollment codes for this Plan: JN1 High Option - Self Only JN3 High Option - Self Plus One JN2 High Option - Self and Family JN4 Basic Option - Self Only JN6 Basic Option - Self Plus One JN5 Basic Option - Self and Family QQ4 Aetna Saver - Self Only QQ6 Aetna Saver - Self Plus One QQ5 Aetna Saver - Self and Family RI 73-052.

2 Important Notice from Aetna About Our prescription drug Coverage and medicare The Office of Personnel Management (OPM) has determined that Aetna Open Access prescription drug coverage is, on average, expected to pay out as much as the standard medicare prescription drug coverage will pay for all plan participants and is considered Creditable Coverage. This means you do not need to enroll in medicare Part D and pay extra for prescription drug coverage. If you decide to enroll in medicare Part D later, you will not have to pay a penalty for late enrollment as long as you keep your FEHB coverage. However, if you choose to enroll in medicare Part D, you can keep your FEHB coverage and your FEHB Plan will coordinate benefits with medicare . Remember: If you are an annuitant and you cancel your FEHB coverage, you may not re-enroll in the FEHB Program.

3 Please be advised If you lose or drop your FEHB coverage and go 63 days or longer without prescription drug coverage that is at least as good as medicare 's prescription drug coverage, your monthly medicare Part D premium will go up at least 1% per month for every month that you did not have that coverage. For example, if you go 19 months without medicare Part D prescription drug coverage, your premium will always be at least 19 percent higher than what many other people pay. You will have to pay this higher premium as long as you have medicare prescription drug coverage. In addition, you may have to wait until the next Annual Coordinated Election Period (October 15 through December 7) to enroll in medicare Part D. medicare 's Low Income Benefits For people with limited income and resources, extra help paying for a medicare prescription drug plan is available.

4 Information regarding this program is available through the Social Security Administration (SSA) online at www. , or call the SSA at 800-772-1213 (TTY: 800-325-0778). You can get more information about medicare prescription drug plans and the coverage offered in your area from these places: Visit for personalized help. Call 800- medicare (800-633-4227), (TTY: 877-486-2048). Table of Contents Introduction ..3. Plain Language ..3. Stop Health Care Fraud! ..3. Discrimination is Against the Law ..5. Preventing Medical Mistakes ..5. FEHB Facts ..7. Coverage information ..7. No pre-existing condition Minimum essential coverage (MEC) ..7. Minimum value standard (MVS) ..7. Where you can get information about enrolling in the FEHB Program ..7. Types of coverage available for you and your family.

5 7. Family member coverage ..8. Children's Equity Act ..9. When benefits and premiums start ..9. When you retire ..10. When you lose benefits ..10. When FEHB coverage ends ..10. Upon divorce ..10. Temporary Continuation of Coverage (TCC) ..10. Converting to individual coverage ..10. Health Insurance Marketplace ..11. Section 1. How This Plan Works ..12. General features of our High and Basic Options ..12. We have Open Access benefits ..12. How we pay providers ..13. Your rights and responsibilities ..13. Your medical and claims records are confidential ..14. Service Area ..16. Section 2. Changes for 2021 ..17. Aetna Saver Option only ..17. Changes to High Option Changes to Basic Option only ..17. Changes under High, Basic and Saver Options ..17. Section 3. How You Get Care.

6 18. Identification cards ..18. Where you get covered care ..18. Plan providers ..18. Plan facilities ..18. What you must do to get covered care ..18. Primary care ..18. Specialty care ..18. Hospital care ..19. If you are hospitalized when your enrollment You need prior Plan approval for certain services ..19. Inpatient hospital admission ..19. 2021 Aetna Open Access and Aetna Saver Plans 1 Table of Contents Other services ..20. How to request precertification for an admission or get prior authorization for Other services ..21. Non-urgent care claims ..21. Urgent care claims ..22. Concurrent care claims ..22. Emergency inpatient admission ..22. Maternity care ..22. If your treatment needs to be extended ..23. Circumstances beyond our control ..23. If you disagree with our pre-service claim decision.

7 23. To reconsider a non-urgent care claim ..23. To reconsider an urgent care claim ..23. To file an appeal with OPM ..23. Section 4. Your Cost for Covered Services ..24. Cost-sharing ..24. Copayments ..24. Deductible ..24. Coinsurance ..24. Differences between our Plan allowance and the bill ..24. Your catastrophic protection out-of-pocket maximum ..24. Carryover ..25. When Government facilities bill us ..25. High and Basic Option Section 5. High and Basic Option Benefits Overview ..28. Non-FEHB Benefits Available to Plan Section 6. General Exclusions Services, Drugs and Supplies We Do not Cover ..123. Section 7. Filing a Claim for Covered Services ..124. Section 8. The Disputed Claims Section 9. Coordinating Benefits with medicare and Other Coverage ..129.

8 When you have other Health coverage ..129. TRICARE and CHAMPVA ..129. Workers' Compensation ..129. Medicaid ..129. When other Government agencies are responsible for your care ..130. When others are responsible for When you have Federal Employees Dental and Vision Insurance Plan (FEDVIP) coverage ..130. Recovery rights related to Workers' Compensation ..131. Clinical Trials ..131. When you have medicare ..131. The Original medicare Plan (Part A or Part B)..132. Tell us about your medicare Coverage ..132. medicare Advantage (Part C) ..132. medicare prescription drug coverage (Part D) ..133. Section 10. Definitions of Terms We Use in This Brochure ..135. Summary of Benefits for the High Option of the Aetna Open Access Plan - 2021 ..143. Summary of Benefits for the Basic Option of the Aetna Open Access Plan - 2021.

9 144. Summary of Benefits for the Aetna Saver Plan - 2021 ..145. 2021 Rate Information for the Aetna Open Access Plans and Aetna Saver 2021 Aetna Open Access and Aetna Saver Plans 2 Table of Contents Introduction This brochure describes our Open Access Plan (High, Basic and Saver options) benefits under our Aetna* contract (CS 1766). with the United States Office of Personnel Management, as authorized by the Federal Employees Health Benefits law. Customer service may be reached at 800-537-9384 or through our website: The address for the Aetna administrative office is: Aetna Federal Plans PO Box 550. Blue Bell, PA 19422-0550. This brochure is the official statement of benefits. No verbal statement can modify or otherwise affect the benefits, limitations, and exclusions of this brochure.

10 It is your responsibility to be informed about your Health benefits. If you are enrolled in this Plan, you are entitled to the benefits described in this brochure. If you are enrolled in Self Plus One or Self and Family coverage, each eligible family member is also entitled to these benefits. You do not have a right to benefits that were available before January 1, 2021, unless those benefits are also shown in this brochure. OPM negotiates benefits and rates with each plan annually. Benefit changes are effective January 1, 2021, and changes are summarized on page 17. Rates are shown at the end of this brochure. *The Aetna companies that offer, underwrite or administer benefits coverage are Aetna Health Inc., Aetna Life Insurance Company, and Aetna Dental Inc.