YOUR CHOICE OF MEDICAL BENEFIT PROGRAMS

Eligible employees and dependents may choose medical coverage provided through the Self-Funded Indemnity Medical Plan or Kaiser Permanente.

Once you make your plan selection, you can change plans only during the annual open enrollment period. Exception: if you enroll in Kaiser and you move out of Kaiser's service area or Kaiser ceases to provide services in your area, you can change programs.

The Self-Funded Indemnity Medical Plan is described in the following pages. The Kaiser plan is briefly described below and the benefits are described in the brochure (Evidence of Coverage) prepared by Kaiser, which is available free of charge from the Administrative Office.

If you switch back to the Self-Funded Indemnity Medical Plan after having been covered by Kaiser, prior benefit usage under the Self-Funded Indemnity Medical Plan will be taken into account in calculating the maximum benefits available.

Example: You elect the Self-Funded Indemnity Medical Plan for two years, during which your spouse is hospitalized after an accident. The Plan pays $40,000 in benefits for the hospital stay and related medical expenses. You then elect Kaiser coverage. If you later re-enroll in the Self-Funded Indemnity Medical Plan, the maximum benefit available to your spouse will be reduced by the $40,000 previously paid.