HEALTH AND WELFARE CHANGES
EFFECTIVE JANUARY 1, 2008

Weekly Disablity Income Benefit changes to:    Weeks    1-6           $300    per week
                                                                                        Weeks    7-12         $400    per week
                                                                                        Weeks    13-26       $500    per week

Lifetime Maximum:     Increase to $2 million, If a person has already reached the $1 million maximum they would not be eligible for this increase.

Durable Medical Equipment:    Insulin pumps and chemo pumps added to covered items

Othotics:    Change to one (1) every three years

Temporomandibular Joint Dysfunction (TMJ):    Increase to lifetime maximum of $2000

Respite Care:  Eliminate as stand alone benefit and cover under major medical

Acute Rehabilitation Facility:  Eliminate 100 limit. cover under major medical, when medically necessary, and subject to deductible and out of pocket.

Brand Name Medication Exceptions:  Eliminate the list on page 37 of the SPD

Diabetic Diagnostics:  Now covering these items through the mail order prescription program (MEDCO)

Hearing Aids:  Changed from $1,000 to 1,250 each ear for every five (5) years

Eliminate General Limitations and Exclusions # 7:  Any expense for cancer prevention exam, TB exam, Sickle Cell anemia exam, or any other type of physical exam or test that is given primarily to determine whether a person has a specific sickness or disease:  Cover according to national guidelines

Eliminate General Limitations and Exclusions # 8:  Any expense for preventative inoculations or for prescription drugs for fluoride treatments.

Eliminate General Limitations and Exclusions # 12:   Any physician or laboratory charge that results from weight control or treatment for obesity unless the condition is acute, as measured by generally accepted medical standards. In no event will any other related expense be covered, including medication.

Prescription Drug Deductible:  Change to $50 per person deductible

Oral Contraceptives:  These are now a covered item through the prescription drug program (MEDCO).  ONLY FOR MEMBERS AND MEMBER'S SPOUSES - NOT DEPENDANTS

Dental Calendar Year Maximum:   Increasing the calendar year maximum, from $1,250 to 1,500 per year

Vision Calendar Year Maximum:  Increasing the calendar year maximum from $250 to $300.

Wound Vac Therapy:  This will now be a covered Item,  The start date of this is retro active to 12/01/06.

Muscle Stimulators:  Will cover with out the qualification that they have to be used in a hospital setting.  If the doctor stated medical necessity for use in the home we would cover the rental or purchase of the machine.