1. finance
2. personal finance
3. insurance
4. health insurance

 Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
Summary of Benefits and Coverage: What this Plan Covers & What it
POS
Costs
TD BANK, N.A.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in
the policy or plan document at www.tdbankaetnabenefits.com or by calling 1-877-440-4709.
Important Questions
What is the overall
deductible?
Are there other
deductibles
Is
an
forthere
specific
services?
out-of-pocket limit
on my expenses?
Answers
For each Calendar Year, In-network:
Individual $1,000 / Family
$2,000.
Out-of-network: Individual $1,500
/ Family
$3,000. Does not apply to office
visits,
No. prescription drugs,
emergency care, and preventive
care.
Yes. In-network: Individual $2,000
/ Family
$4,000. Out-of-network: Individual
$3,500 / Family $7,000.
Premiums, balance-billed charges,
Prescription Drugs; Individual
penalties for failure to obtain pre$2,000/Family $4,000
authorization for
No.
service and health care this plan
doesn't cover.
What is not
included in the
out-of-pocket
Is there an
limit?
overall annual
limit on what
Does
thispays?
plan use a Yes. For a list of in-network and
the plan
network of
Aexcel® designated providers, see
providers?
www.Aetna.com/docfind/custom/td
bank or call 1-877-440-4709.
Do I need a
No.
referral to see a
Are
there
Yes.
specialist?
services this
plan doesn't
cover?
Questions:
Why this Matters:
You must pay all the costs up to the deductible amount
before this plan
begins to pay for covered services you use. Check your policy
or plan
document to see when the deductible starts over (usually,
but not always,
January
1st).
See
chart
starting onfor
page
2 for services,
how much
You don't
have
to the
meet
deductibles
specific
you pay for
but
see the
chart after
starting
page
2 deductible.
for other costs for
covered
services
youon
meet
the
The out-of-pocket
limit is the most you could pay during a
services
this plan covers.
coverage period (usually one year) for your share of the cost
of covered services. This limit helps you plan for health care
expenses.
Even though you pay these expenses, they don't count toward
the
out-of-pocket limit.
The chart starting on page 2 describes any limits on what the
plan will pay for
specific covered services, such as office visits.
If you use an in-network doctor or other health care provider,
this plan will pay some or all of the costs of covered services. Be
aware, your in-network doctor or hospital may use an out-ofnetwork provider for some services. Plans use the term innetwork,
preferred,
or participating
forwithout
providers
in their
You
can see
the specialist
you choose
permission
network.
See
from
this plan.
the chart
starting
on page
2 for
how this
planare
pays
different
Some
of the
services
this plan
doesn't
cover
listed
on
kinds of providers.
page 5. See your policy or plan document for additional
information about excluded services.
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 1 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
Summary of Benefits and Coverage: What this Plan Covers & What it
POS
Costs
TDyou
BANK,
N.A.
Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when
receive
the service.
Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount
for the service. For example, if the plan's allowed amount for an overnight hospital stay is $1,000, your
coinsurance payment of 20% would be $200. This may change if you haven't met your deductible.
The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider
charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network
hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the
$500 difference. (This is called balance billing.)
This plan may encourage you to use in-network providers and designated providers by charging you lower
deductibles, copayments, and coinsurance amounts. In order to be covered at the in-network benefit level,
you must use a designated provider. If you visit a non-designated provider, your care will not be covered. A
designated provider is an in-network provider who meets additional criteria.
Common
Services You May
Medical Event
Need
If you visit a
health care
provider's office
or clinic
Primary care visit to
treat an injury or
illness
Your Cost
If You Use
an Aexcel
Designate
d Provider
Your Cost
Your Cost
If You
If You Use
Use
an Aexcel
an
NonOut-OfDesignated
Network
Provider
$35 copay per $35 copay per $35 copay per 40%
Provider
coinsurance
visit
visit
visit
Your Cost
If You Use
an InNetwork
Provider
Specialist visit
Other practitioner
office visit
$35 copay per $45 copay per
visit Applicable visit
Not
20%
coinsurance;
$35
copay/visit at
physician
Preventive care/
No charge
No charge
office;
screening/
immunization
Diagnostic test (x-ray, Not Applicable $45
20%
copay/visit
If you have a test blood work)
coinsurance,at
specialist
deductibleoffice
$45 copay per 40%
visit Applicable coinsurance
40%
Not
coinsurance
40%
coinsurance
Not Applicable 40%
coinsurance
No charge
Limitations &
Exceptions
Includes Internist,
General Physician,
Family Practitioner or
Pediatrician.
––––––– None –––––––
Coverage is limited to
24 visits per calendar
year for Chiropractic
care. If performed in
an outpatient setting,
ded/coins applies
Age and frequency
schedules may apply.
––––––– None –––––––
waived;
Questions:
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 2 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Summary of Benefits and Coverage: What this Plan Covers & What it
Costs
no charge for
Imaging (CT/PET
scans, MRIs)
Questions:
an
independent
lab
Not Applicable 20%
coinsurance
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Not Applicable 40%
coinsurance
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 3 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Summary of Benefits and Coverage: What this Plan Covers & What it
Costs
Your Cost
Your Cost
Common
If
You
Use
If
You Use
Services You May
Medical Event
an Aexcel
an InNeed
Designate
Network
d Provider
Provider
Generic drugs
Preferred brand drugs
If you need drugs
to treat your
illness or
condition
More information
about prescription Non-preferred brand
drug coverage is drugs
available at
www.aetna.com/p
harmacy-insuranc
e/individuals-fami
lies
Specialty drugs
Not Applicable Copay/
prescription
(RX):
$10/30 day,
$20/
60 day,
$30/90 day
Not Applicable Copay/RX:
(retail); $20/1$35/30
90
day,
$70/60
Day (mail
day,
order)
$105/90 day
(retail); $70/1Not Applicable 30%
90
coinsurance
day(mail order)
(coins) to
$75/30
day, 30% coins
to
$150/60 day,
30%
coins to
$225/90
Not
Applicable
day
Applicable
cost(retail);
as noted
30%
above for
coins toor
generic
$150/1-90
brand
drugs.
day (mail
order)
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Your Cost
Your Cost
If You
If You Use
Limitations &
Use an
an Aexcel
Exceptions
Out-OfNonNetwork
Designated
Provider
Provider
Not Applicable Not covered
Covers up to a 90 day
supply (retail rx), 1-90
day supply (mail order
rx). Includes
performance
enhancing medication
limited to 18
Not Applicable Not covered
tablets/90 day supply
(retail),contraceptive
drugs & devices
obtainable from a
pharmacy, oral &
injectable fertility
Not Applicable Not covered
drugs limited
to$25,000 per lifetime
(combined with
medical). No charge
for formulary generic
FDA-approved
women's
contraceptives innetwork.
Precertification & Step
Not
Not covered
Aetna
Specialty
therapy
required with
Applicable
SM - First
90
CareRx
day
Transition
of Care.
Prescription
must
be
Your cost will be
filled
a participating
higheratfor
choosing
retail
or
Brandpharmacy
over Generics.
Aetna
Specialty Pharmacy®.
Subsequent fills
Questions:
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 4 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Summary of Benefits and Coverage: What this Plan Covers & What it
Costs
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD through
BANK, N.A.
must be
Aetna Specialty
Pharmacy®.
Facility fee (e.g.,
Not Applicable 20%
If you have
ambulatory surgery
coinsurance
outpatient surgery center)
Physician/surgeon fees Not Applicable 20%
coinsurance
Questions:
Not Applicable 40% coinsurance ––––––– None –––––––
Not Applicable 40% coinsurance ––––––– None –––––––
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 5 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Summary of Benefits and Coverage: What this Plan Covers & What it
Costs
Your Cost
Your Cost
Common
If
You
Use
If
You Use
Services You May
Medical Event
an Aexcel
an InNeed
Designate
Network
d Provider
Provider
Emergency room
services
If you need
Emergency medical
immediate
medical attention transportation
Urgent care
If you have
a hospital
stay
If you have
mental health,
behavioral
health, or
substance abuse
needs
If you are
pregnant
Questions:
Facility fee (e.g.,
hospital room)
Physician/surgeon fee
Mental/Behavioral
health outpatient
services
Mental/Behavioral
health inpatient
services use disorder
Substance
outpatient services
Substance use disorder
inpatient services
Prenatal and postnatal
care
Delivery and all
inpatient services
Not
Applicable
No charge
$150 copay
per visit
No charge
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Your Cost
Your Cost
If You
If You Use
Limitations &
Use
an Aexcel
Exceptions
an
NonOut-OfDesignated
Network
Provider
$150 copay
Not
Copay waived if
per Provider
visit
Applicable
admitted to the
No charge
No charge
–––––––
hospital None –––––––
Not Applicable $50 copay per Not Applicable 40%
visit,
coinsurance
deductible
waived
Not Applicable 20%
Not Applicable 40%
coinsurance
coinsurance
Not Applicable 20%
Not Applicable 40%
40%
coinsurance
Not Applicable $45
copay per Not Applicable coinsurance
coinsurance
visit
Not Applicable 20%
coinsurance
Not Applicable $45 copay per
visit
Not Applicable 20%
coinsurance
No charge
No charge
Not Applicable 40%
coinsurance
Not Applicable 40%
coinsurance
Not Applicable 40%
coinsurance
40%
No charge
coinsurance
Not Applicable 20%
coinsurance
Not Applicable 40%
coinsurance
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
Non-Urgent care
covered at $50 copay
or 60% coinsurance if
out
of network
Pre-authorization
required for out-ofnetwork care.
––––––– None –––––––
Applied Behavioral
Therapy for Autism
Diagnosis covered
Pre-authorization
required for out-ofnetwork
care. –––––––
––––––– None
Pre-authorization
required for out-ofnetwork
care. –––––––
––––––– None
Includes outpatient
postnatal care. Preauthorization required
for out-of-network
care.
062900-081620-221351
Page 6 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Summary of Benefits and Coverage: What this Plan Covers & What it
Costs
If you need help Home health care
Not Applicable 20%
recovering or
coinsurance
have other
special health
needs
Questions:
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD is
BANK,
N.A.
Coverage
combined
Not Applicable 40%
with
private-duty
coinsurance
nursing.
Pre-authorization
required for out-ofnetwork care.
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 7 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Summary of Benefits and Coverage: What this Plan Covers & What it
Costs
Your Cost
Your Cost
Common
If
You
Use
If
You Use
Services You May
Medical Event
an Aexcel
an InNeed
Designate
Network
d Provider
Provider
Rehabilitation services
Habilitation services
Skilled nursing care
Not Applicable $45 copay per
office visit or
20%
coinsurance if
performed in a
Not Applicable $45 copay per
facility
office visit or
20%
coinsurance if
performed in a
Not Applicable facility
20%
coinsurance
Durable medical
equipment
Hospice service
If your child
needs dental
or eye care
Eye exam
Not Applicable 20%
Not Applicable coinsurance
20%
coinsurance
Not Applicable No charge
Glasses
Dental check-up
Not applicable
Not applicable
Not covered
Not covered
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Your Cost
Your Cost
If You
If You Use
Limitations &
Use
an Aexcel
Exceptions
an
NonOut-OfDesignated
Network
Provider
Coverage is limited to
Not Applicable 40%
Provider
60 visits per calendar
coinsurance
year for Physical,
Occupational, and
Speech Therapy
combined.
Not Applicable 40%
Coverage is limited to
coinsurance
60 visits per calendar
year for Autism
Physical, Occupational
&
Speech Therapy,
Pre-authorization
Not Applicable 40%
required
out-ofcombinedfor
with
coinsurance
network care.
rehabilitation
services.
Coverage is limited
to
90 days per calendar
Not Applicable 40%
–––––––
None –––––––
year.
Pre-authorization
40%
Not Applicable coinsurance
required for out-ofcoinsurance
network
Coveragecare.
is limited
Not Applicable 40%
to
1
routine
eye
coinsurance
exam every 24
months.
Not applicable Not covered
Not covered.
Not applicable Not covered
Not covered.
Questions:
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 8 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Summary of Benefits and Coverage: What this Plan Covers & What it
Costs
Excluded Services & Other Covered Services:
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Services Your Plan Does NOT Cover (This isn't a complete list. Check your policy or plan document for other excluded services.)
Acupuncture
Hearing aids
Cosmetic
Long-term care
surgery
Dental care
Glasses
Questions:
Non-emergency care when traveling
outside the U.S.
Routine foot care
Weight loss
programs
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 9 of 8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
Summary of Benefits and Coverage: What this Plan Covers & What it
POS
Costs
TD BANK, N.A.
Other Covered Services (This isn't a complete list. Check your policy or plan document for other covered services and your costs for these services.)
Bariatric surgery
Chiropractic care - Coverage is limited
to 24 visits per calendar year.
Infertility treatment - $25,000 per
lifetime limit. Private-duty nursing Coverage is combined with
Home Health.
Routine eye care - Coverage is limited
to 1 routine eye exam every 24
months.
Your Rights to Continue Coverage:
If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections
that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which
may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue
coverage may also apply.
For more information on your rights to continue coverage, contact the plan at 1-877-440-4709. You may also contact your
state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or
www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-877-267-2323 x61565 or www.cciio.cms.gov.
Your Grievance and Appeals Rights:
If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file
a grievance. For questions about your rights, this notice or assistance, you can contact us by calling the toll free number on
your Medical ID Card. You may also contact the Department of Labor's Employee Benefits Security Administration at 1-866-444EBSA (3272) or www.dol.gov/ebsa/healthreform.
Additionally, a consumer assistance program can help you file an appeal. Contact information
is at http://www.aetna.com/individuals-­‐families-­‐health-­‐insurance/rights-­‐resources/complaints-­‐grievances-­‐
appeals/index.html Does
this Coverage Provide Minimum Essential Coverage?
The Affordable Care Act requires most people to have health care coverage that qualifies as "minimum essential coverage".
This plan or policy does provide minimum essential coverage.
Does this Coverage Provide Minimum Value Standard?
The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60%
Questions: Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 10 of
8
Aexcel ® Aetna Choice ® POS II
80/60 Plan Option
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
Summary of Benefits and Coverage: What this Plan Covers & What it
POS
Costs
TD BANK, N.A.
(actuarial value). This health coverage does meet the minimum value standard for the benefits it provides.
Language Access Services:
1-877-440-4709.
Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1877-440-4709.
Para obtener asistencia en Español, llame al 1-877-440Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-877-440-4709.
4709.
-------------------To see examples of how this plan might cover costs for a sample medical situation, see the next page.-------------------
Questions: Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 11 of
8
Aexcel ® Plus Aetna
Choice ® POS II
Coverage
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Examples
About these
Coverage
Examples:
Having a baby
Managing type 2 diabetes
(routine maintenance of
a well-controlled condition)
(normal delivery)
These examples show how this plan
might cover medical care in given
situations. Use these examples to see,
in general, how much financial
protection a sample patient might get
if they are covered under different
plans.
Amount owed to providers:
$7,540
Plan pays: $5,075
Patient pays: $2,000
Sample care costs:
This is
not a
cost
estimator
.
Don't use these
examples to estimate
your actual costs
under this plan. The
actual care you
receive will be
different from these
examples, and the
Questions:
cost of that
care also
will be
different.
See the next
page for
important
information
about these
examples.
Amount owed to providers: $5,400
Plan pays: $4,990
Patient pays: $1,850
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
Sample care costs:
Prescriptions
Medical equipment and
Supplies
Office Visits and Procedures
Education
Laboratory tests
Vaccines, other preventative
Total
$2,9
00
$1,3
00
$70
0
$30
0
$10
0
$10
0
$5,400
Patient pays:
062900-081620-221351
Page 12 of
8
Aexcel ® Plus Aetna
Choice ® POS II
Hospital charges (mother)
Coverage
Routine obstetric care
Hospital charges (baby)
Anesthesia
Laboratory tests
Prescriptions
Radiology
Vaccines, other preventative
Total
Examples
Patient pays:
Deductibles
Copays
Coinsurance
Limits or exclusions
Total
$1,000
$58 0
$190
Deductibles
$8 Copays
0
$1,850
Coinsurance
Limits or exclusions
Total
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
$2,7
POS
00
$2,1
TD BANK, N.A.
00
$9
00
$9
00
$5
00
$2
00
$2
00
$40
$7,540
$1,000
$20
$830
$1
50
$2,000
Questions:
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 13 of
8
Aexcel ® Plus Aetna
Choice ® POS II
Coverage Examples
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Questions and answers about the Coverage Examples:
What are some of the
assumptions behind
the Coverage
Examples?
Costs don't include premiums.
The patient's condition was
not an
excluded or preexisting
condition.
All services and treatments
started and ended in the same
coverage period.
There are no other medical
expenses for any member
covered under this plan.
Out-of-pocket expenses are
based only on treating the
condition in the example.
The patient received all care from
in-network providers. If the
Questions:
Yes. When you look at the
For each treatment situation, the
Coverage Example helps you see how
deductibles, copayments, and
coinsurance can add up. It also
helps you see what expenses might
be left up to you to pay because the
service or treatment isn't covered or
payment is limited.
Summary of Benefits and
Coverage for other plans, you'll
find the same Coverage
Examples.
When you compare plans, check the
"Patient
Pays" box in each example. The
smaller that number, the more
coverage the plan provides.
Can I use Coverage
Examples to compare plans?
Sample care costs are based on
national averages supplied by the
U.S. Department of Health and
Human Services, and aren't
specific to a particular
geographic area or health plan.
What does a Coverage
Example show?
Does the Coverage Example
predict my own care needs?
Are there other costs I should
patient had received care from outof-network providers, costs would
have been higher.
No. Treatments shown are just
examples. The care you would receive
for this condition could be different,
based on your doctor's advice, your
age, how serious your condition is,
and many other factors.
Does the Coverage Example
predict my future expenses?
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
No. Coverage Examples are not cost
estimators. You can't use the
examples to estimate costs for an
062900-081620-221351
Page 14 of
8
Aexcel ® Plus Aetna
Choice ® POS II
actualExamples
condition. They are for
Coverage
comparative purposes only.
Your own costs will be
different depending on the
care you receive, the prices
your providers charge, and
the reimbursement your health
plan allows.
Questions:
consider when
comparing plans?
Coverage Period: 01/01/2015 - 12/31/2015
Coverage for: Individual + Family Plan Type:
POS
TD BANK, N.A.
Yes. An important cost is the
premium you pay. Generally,
the lower your premium, the
more you'll pay in
out-of-pocket costs, such as
copayments,
deductibles, and
coinsurance. You should also
consider contributions to
accounts such as health savings
accounts (HSAs), flexible
spending arrangements (FSAs)
or health reimbursement
accounts (HRAs) that help you
pay out-of-pocket expenses.
Call 1-877-440-4709 or visit us at www.Tdbankaetnabenefits.com.
If you aren't clear about any of the bolded terms used in this form, see the Glossary. You
can view the Glossary
at www.HealthReformPlanSBC.com or call 1-877-440-4709 to request a copy.
062900-081620-221351
Page 15 of
8