HMO Plan Comparison (4th Quarter 2008)
*Also available in two-tier

	Empire BCBS	Health Net Outlook (EPO)	HIP Prime	Atlantis Health Plan
Prescription Card	$10/25/50	$10/30/50	$7/30/50	$7/30/50
Office Co-pay	$20 Co-pay	$20 Co-pay	$30 Co-pay	$20 Co-pay
DXL/Lab Fees	No Charge	No Charge	$30 Co-pay	$20 Co-pay
Specialist Co-pay	$20 Co-pay	$20 Co-pay	$50 Co-pay	$20 Co-pay
Lifetime Maximum	Unlimited	Unlimited	Unlimited	Unlimited
Hospital In-Patient	$500 Per Admission	$500 Co-pay	$500 Co-pay	$500 Per Admission
Emergency Room	$35 Co-pay	$100 Co-pay	$100 Co-pay	$50 Co-pay
Private Nursing	Not Covered	Not Covered	Not Covered	Not Covered
Behavioral/Mental Health Adm	$500 Co-pay 30 Days/Cal Yr.	No Charge 30 Days/Cal Yr.	$500 Co-pay 30 Days/Cal Yr.	$500 Per Admission 30 Days/Cal Yr.
Substance Abuse In-Patient	$500 Co-pay 7 Day Detox Lim.	No Charge 30 Days/Cal Yr.	Not Covered	$500 Per Admission 7 Days/Cal Yr.
Single	$537.20	$454.94	$467.15	$331.87*
EE with Spouse	$1,074.40	$1,013.19	$934.30	$663.74*
EE with Child(ren)	$966.97	$841.69	$868.87	$667.39*
Family	$1,611.60	$1,354.35	$1,429.42	$1,021.49*

POS Plan Comparison (4th Quarter 2008)
*Also available in two-tier

	Oxford Liberty	Health Net Outlook	GHI (PPO)	Atlantis Health Plan
Prescription Card	$10/25/50	$10/30/50	$0/25/40	$7/30/50
Deductible Ind/Fam	$2,000/$5,000	$1,000/$2,000	$3,000/$9,000	$2,000/$4,000
Co-Insurance	70%	70%	70%	70%
Out of Pocket	$1,500/$3,750 (excl ded)	$4,000/$8,000	$3,000/$9,000 (excl ded)	$5,000/$10,000
Office Co-Pay	$20 Co-pay	$25 Co-pay	$25 Co-pay	$20 Co-pay*
DXL/Lab Fees	No Charge	No Charge	$25 Co-pay	$20 Co-pay*
Specialist Co-pay	$20 Co-pay	$25 Co-pay	$25 Co-pay	$20 Co-pay*
Lifetime Maximum (In-Network)	Unlimited	Unlimited	Unlimited	Unlimited
Hospital In-Patient	$500 Co-pay	$500 Per Admission	$500 Co-pay	$500 Per Admission
Emergency Room	$50 Co-pay	$75 Co-pay	$100 Co-pay	$50 Co-pay
Private Nursing	Not Covered	Not Covered	Not Covered	Not Covered
Behavioral/Mental Health Adm	$500 Co-pay 30 Days/Cal Yr.	$500 Co-pay Per Admission 30 Days/Cal Yr.	$500 Co-pay 30 Days Max/Cal Yr.	$500 Per Admission 30 Days/Cal Yr.
Substance Abuse In-Patient	$500 Co-pay 30 Days/Cal Yr.	$500 Co-pay Per Admission 30 Days/Cal Yr.	$500 Co-pay 7 Days Max Cal/Yr. Detox	$500 Per Admission 7 Days/Cal Yr. Detox
Single	$626.25	$542.83	$548.16	$366.20*
EE with Spouse	$1,252.51	$1,208.93	$1,205.89	$732.40*
EE with Child(ren)	$1,189.89	$1,004.29	$1,044.28	$736.43*
Family	$1,941.39	$1,616.00	$1,620.79	$1,127.16*