This Plan is Your Plan

Setting a new standard for federal employee health plans

This Plan is Your Plan If you work for the U.S. Postal Service, or the Department of Agriculture, Treasury, Homeland

MHBP Standard Option, a higher standard at a lower cost

Security, Veterans Affairs or any other federal agency, MHBP provides health coverage that sets the standard for federal employee health plans. No matter what job you do in the service of the U.S. public, this plan is your plan. Whether it’s coordinating services, providing nurse support around the clock or paying claims quickly and accurately, MHBP will be there when you need us with: • 24/7 customer service (except major holidays) • Knowledgeable, courteous staff • Nationwide network — freedom to choose your own doctors and hospitals • No referrals required to see specialists • Backed by Aetna — a name you know and trust

Higher Standard Lower Cost If you’re used to your plan rates going up … ours came down again! For the third year in a row we’ve lowered rates on our MHBP Standard Option. Low rates, predictable out-of-pocket costs, low copays and a low annual deductible, it’s what you get with MHBP Standard Option: • Even lower rates for 2017 • 100% for covered preventive care • 100% for maternity & well-child visits • $20 copay for primary care doctor’s visits ($10 for children) • $5 copay for convenient care center visits • $5 copay for generic medications

If you are in the service of the U.S. public, make MHBP your plan. Call 1-800-410-7778 or visit www.MHBP.com. Open Season ends December 12, 2016.

MHBP Standard Option Lower rates for the third year in a row Our MHBP Standard Option is setting a higher standard for federal employee health plans … at a lower cost. We invite you to compare the MHBP Standard Option to other Standard Option and even High Option plans. See how much you can save without giving up valuable benefits. Choose MHBP Standard Option this Open Season. Summary of 2017 MHBP Standard Option Benefits This is a summary of MHBP Standard Option benefits when you use Network providers. DO NOT RELY ON THIS CHART ALONE. Not all benefits are shown below, only those most commonly compared. Non-Network benefits are also available. All benefits are fully described in the 2017 official Plan Brochure (RI 71-007). This symbol (*) indicates that the calendar year deductible applies and must be met before benefits begin.

Standard Option

Network Benefits – You Pay

Preventive Care Annual physical exam, routine screenings, well-child care, women’s preventive care, immunizations and more

You pay nothing

Primary Care Doctor’s Office Visits

$20 copay ($10 copay for dependents through age 21)

Specialist Visits

$30 copay

Convenient Care Clinic Visits

$5 copay

Prescription Drugs at Retail Mail order and specialty pharmacy are available. Out-of-pocket costs may vary.

$5 copay

Generic Preferred Brand

30% of Plan allowance, limited to $200 per prescription

Non-preferred Brand†

50% of Plan allowance, limited to $200 per prescription

†

Emergency Room Visits Copay is waived if you are admitted to the hospital

$200 copay* (deductible waived if related to an accidental injury)

Urgent Care Center Visits

$50 copay* per visit (deductible waived if related to an accidental injury)

Hospital Inpatient

$200 copay per admission and 10% of Plan allowance for ancillary services

Maternity

You pay nothing

Calendar Year Deductible

$350 per person, limited to $700 per Self Plus One or Self and Family enrollment

Out-of-pocket Limits There are separate limits for Non-Network out-of-pocket expenses

$6,000 per person, limited to $12,000 per Self Plus One or Self and Family enrollment

This is a summary of the Mail Handlers Benefit Plan Standard Option. Before making a final decision, please read the 2017 official Plan Brochure (RI 71-007). All benefits are subject to the definitions, limitations and exclusions set forth in the official Plan Brochure. A single annual $42 associate membership fee makes all MHBP plans available to you. † You will pay the copayment or coinsurance amount and the difference in cost between our allowance for the generic and brand-name drugs when a generic is available, unless a brand exception is obtained.

2017 MHBP Standard Option Rates Plan Type

Federal Employees (biweekly)

Postal Employees (biweekly)

Annuitants (monthly)

Category 1

Category 2

$67.88

$59.06

$56.34

$147.08

Self Plus One – 456

$156.26

$135.94

$129.69

$338.56

Self and Family – 455

$157.76

$137.25

$130.94

$341.81

Self Only – 454

These rates do not apply to all enrollees. If you are in a special enrollment category, please contact the agency that maintains your health benefits enrollment.

MHBP Consumer Option Part health plan, part health savings account (HSA) Our MHBP Consumer Option is a high-deductible health plan with a health savings account (HSA). The Plan will deposit up to $1,800 per year for a Self and Family or Self Plus One enrollment ($900 Self Only) into your HSA for you. Use it to pay for health expenses, or watch your savings grow as they roll over. And Network preventive care is covered at 100% with the MHBP Consumer Option. Summary of 2017 MHBP Consumer Option Benefits This is a summary of MHBP Consumer Option benefits when you use Network providers. DO NOT RELY ON THIS CHART ALONE. Not all benefits are shown below, only those most commonly compared. Non-Network benefits are also available. All benefits are fully described in the 2017 official Plan Brochure (RI 71-016). This symbol (*) indicates that the calendar year deductible applies and must be met before benefits begin.

Plan contribution to your HSA

$900 Self Only; $1,800 Self Plus One or Self and Family

Consumer Option

Network Benefits – You Pay

Preventive Care Annual physical exam, routine screenings, well-child care, women’s preventive care, immunizations and more

You pay nothing

Primary Care Doctor’s Office Visits

$15 copay*

Specialist Visits

$15 copay*

Convenient Care Clinic Visits

$5 copay*

Prescription Drugs at Retail Mail order and specialty pharmacy are available. Out-of-pocket costs may vary.

Generic

$10 copay*

Preferred Brand†

30% of Plan allowance*, limited to $200 per prescription

Non-preferred Brand†

50% of Plan allowance*, limited to $200 per prescription

Emergency Room Visits Copay is waived if you are admitted to the hospital

$50 copay*

Urgent Care Center Visits

$50 copay*

Hospital Inpatient

$75 copay per day up to $750 max. per admission*

Maternity

You pay nothing* (after deductible)

Calendar Year Deductible

$2,000 per Self Only enrollment; $4,000 per Self Plus One or Self and Family enrollment

Out-of-pocket Limits There are separate out-of-pocket limits for Non-Network out-of-pocket expenses

$6,000 per person, limited to $12,000 per Self Plus One or Self and Family enrollment

This is a summary of the Mail Handlers Benefit Plan Consumer Option. Before making a final decision, please read the 2017 official Plan Brochure (RI 71-016). All benefits are subject to the definitions, limitations and exclusions set forth in the official Plan Brochure. A single annual $42 associate membership fee makes all MHBP plans available to you. † You will pay the copayment or coinsurance amount and the difference in cost between our allowance for the generic and brand-name drugs when a generic is available, unless a brand exception is obtained.

2017 MHBP Consumer Option Rates Plan Type

Federal Employees (biweekly)

Postal Employees (biweekly) Category 1

Category 2

Annuitants (monthly)

Self Only – 481

$66.16

$57.56

$54.92

$143.36

Self Plus One – 483

$146.43

$127.39

$121.53

$317.26

Self and Family – 482

$153.74

$133.76

$127.61

$333.11

These rates do not apply to all enrollees. If you are in a special enrollment category, please contact the agency that maintains your health benefits enrollment.

MHBP Value Plan Occasional care and protection from unexpected expenses Our MHBP Value Plan is a low-cost plan that provides valuable protection against the high costs of an unforeseen illness or event. It has low premiums and Network benefits that provide 100% coverage for preventive care, occasional doctor’s visits and generic prescriptions for low copayments ... with no deductible. If you want to keep things simple, then the MHBP Value Plan is the choice for you. Summary of 2017 MHBP Value Plan Benefits This is a summary of MHBP Value Plan benefits when you use Network providers. DO NOT RELY ON THIS CHART ALONE. Not all benefits are shown below, only those most commonly compared. Non-Network benefits are also available. All benefits are fully described in the 2017 official Plan Brochure (RI 71-007). This symbol (*) indicates that the calendar year deductible applies and must be met before benefits begin.

Value Plan

Network Benefits – You Pay

Preventive Care Annual physical exam, routine screenings, well-child care, women’s preventive care, immunizations and more

You pay nothing

Primary Care Doctor’s Office Visits

$30 copay ($10 copay for dependents through age 21)

Specialist Visits

$50 copay*

Convenient Care Clinic Visits

$15 copay ($5 copay for dependents through age 21)

Prescription Drugs at Retail Mail order and specialty pharmacy are available. Out-of-pocket costs may vary.

Generic

$10 copay

Preferred Brand†

45% of Plan allowance

Non-preferred Brand†

75% of Plan allowance

Emergency Room Visits

20% of Plan allowance*

Urgent Care Center Visits

20% of Plan allowance* (deductible waived if related to an accidental injury)

Hospital Inpatient

20% of Plan allowance*

Maternity

You pay nothing

Calendar Year Deductible

$600 per person, limited to $1,200 per Self Plus One or Self and Family enrollment

Out-of-pocket Limits There are separate out-of-pocket limits for Non-Network out-of-pocket expenses

$6,600 per person, limited to $13,200 per Self Plus One or Self and Family enrollment

This is a summary of the Mail Handlers Benefit Plan Value Plan. Before making a final decision, please read the 2017 official Plan Brochure (RI 71-007). All benefits are subject to the definitions, limitations and exclusions set forth in the official Plan Brochure. A single annual $42 associate membership fee makes all MHBP plans available to you. †You will pay the copayment or coinsurance amount and the difference in cost between our allowance for the generic and brand-name drugs when a generic is available, unless a brand exception is obtained.

2017 MHBP Value Plan Rates Plan Type

Federal Employees (biweekly)

Postal Employees (biweekly) Category 1

Category 2

Annuitants (monthly)

Self Only – 414

$59.74

$51.98

$49.59

$129.44

Self Plus One – 416

$141.55

$123.15

$117.49

$306.69

Self and Family – 415

$144.38

$125.61

$119.84

$312.82

These rates do not apply to all enrollees. If you are in a special enrollment category, please contact the agency that maintains your health benefits enrollment.

MHBP Dental and Vision plans* It’s easy to enhance your medical coverage with a Dental and/or Vision plan. All FEHBP members are eligible to add this optional coverage at affordable group rates. In fact, you can add a Dental and/or Vision plan even if you’re not enrolled in an MHBP health plan. And you don’t need to be an MHBP member to take advantage of these great plans. Enroll anytime, not just during Open Season. MHBP Dental Plan Your comprehensive dental benefits include: • Preventive Care covered 100% twice a year • Basic Services**, such as fillings and extractions, covered at 70% for the first 12 months and 80% thereafter • Major Services**, such as root canals and crowns, covered at 50% starting the 13th month • Orthodontic benefits** for members age 18 and under begin the 25th month of coverage Call 1-800-254-0227 or visit www.MHBP.com for low monthly rates in your area and to enroll. MHBP Vision Plan Get affordable vision coverage for low monthly premiums: $8.60 for Self Only and $16.00 for Self and Family. • Eye exams and lenses every 12 months for just a $10 copay each • Up to $120 for frames (every 24 months) or contact lenses (every 12 months) • Nationwide coverage for eye exams, frames and lenses, contacts, laser vision correction discounts and more Call 1-800-254-0227 or visit www.MHBP.com to learn more and enroll.

* A single annual $42 Mail Handlers Benefit Plan associate membership fee makes these plans available to you. Dental and vision coverage are provided by First Health Life & Health Insurance Company, Cambridge Life Insurance Company or Vision Service Plan, Inc. These benefits are neither offered nor guaranteed under contract with the FEHBP, but are made available to all FEHBP enrollees and their covered family members. You cannot file an FEHBP disputed claim about them. The premiums and fees you pay for these services do not count toward FEHBP deductibles or out-of-pocket maximums. See certificates of insurance for full coverage details, exclusions and limitations. ** For dental coverage, the annual deductible applies ($50 per person, $150 per family) and the annual benefit maximum is $2,000 per person per calendar year. Orthodontic benefits are limited to $1,000 per person per lifetime. After the first year, premiums are subject to change with 60 days’ notice. Coverage will not begin without payment of premium and it is renewable as long as your premiums are paid and the Master Group Policy remains in force, and you remain eligible for this coverage. The dental PPO network is made available by The Guardian Life Insurance Company of America. Benefits are not provided for services rendered outside the 50 United States and the District of Columbia. These benefits are neither offered nor guaranteed under contract with the FEHB Program, but are made available to MHBP enrollees and their covered family members. You cannot file an FEHBP disputed claim about them. The fees you pay for these services do not count toward FEHBP deductibles or out-of-pocket maximums.

Shop. Compare. Choose MHBP. How do you select the best plan for you and your family? Choice is good a thing, but choosing isn’t always easy. And you want to make the best decision. So start by determining what’s most important to you: • What kind of medical services will I need this year? • Do my current benefits meet my medical needs? • Are there upcoming life events that could impact my coverage? • Does my plan’s selection of Network providers meet my needs? • Are my total out-of-pocket costs (premium, deductibles, copayments and coinsurance) manageable? • Does my plan’s customer service meet my expectations? Now that you have a feel for what you need for the coming year, use this guide to compare MHBP Standard Option to your current plan or to another health plan. Fill in the blanks for your current health plan — and for any other plans you may be considering. Add in other features that are important to you. Then compare the results. See which plan is the best fit for your health needs. If you have questions about MHBP, call 1-800-410-7778, 24 hours a day, seven days a week, except major holidays. Plan Features to Compare 2017 Annual Premium (Non-Postal, Biweekly X 26 or Monthly X 12, rounded)

MHBP Standard Self Only

$1,765

Self Plus One

$4,063

Self and Family

$4,102

Network benefits Primary Care visit

$20 adult; $10 children

Specialist visit

$30

Referral needed for Specialist visit

No

Preventive care

You Pay Nothing

Maternity care

You Pay Nothing

Convenient Care clinic visit

$5

Generic prescription

$5

Surgical procedures

10%

Calendar year deductible

$350/person; $700/family

Service and special features Wellness rewards

Yes

Nationwide network with the doctors and hospitals I need

Yes

Non-Network benefits also available

Yes

Customer Service available 24/7, except major holidays

Yes

Other features (add what’s important to you)

Your Current Plan

Other Plan

MHBP Standard Option Lower rates again this year Setting a new standard for federal employee health plans Get plan details at www.MHBP.com Or call toll-free: 1-800-410-7778

Open Season ends December 12

This Plan is Your Plan

10% PCW

This is a summary of the Mail Handlers Benefit Plan. Before making a final decision, please read the official Plan Brochures (RI 71-007 or RI 71-016). All benefits are subject to the definitions, limitations and exclusions set forth in the 2017 official Plan Brochures. A single annual $42 associate membership fee makes all MHBP plans available to you. Plans are underwritten by First Health Life & Health Insurance Company in all states except NY. Plans are underwritten by Cambridge Insurance in NY. ©2016 Aetna, Inc. All rights reserved. All other names and (registered) trademarks are the property of their respective owners.

MHBR096