Your Inova benefits program is an integral part of your total rewards package, which also includes compensation, learning opportunities and a positive work environment. We are pleased to offer you the choice and flexibility of two dental and five medical plan options in 2012:

• Aetna HealthFund – a consumer-directed plan that combines comprehensive medical coverage with an Inova-provided health fund that can help you pay for covered medical expenses.
  
  
• Aetna Health Savings Account HDHP –
  a high-deductible health plan (HDHP) with a tax-advantaged health savings account that you contribute money to and use to help pay for qualified medical expenses.
  
  
• Aetna Open Choice (PPO1 and PPO2) – two PPO plans, offering different levels of cost-sharing, that give you the flexibility to choose any provider when you need care, with no PCP or referrals required. Open Choice also lets you save when you use network providers.
  
  
• Aetna HMO – A health benefits plan where you pay only the copay amount for most services. There’s no deductible. Choose a primary care physician (PCP) to provide basic routine care and refer you to network specialists when needed. The vast Aetna HMO network will help you get the quality care you deserve.
  
  
• Aetna PPO Dental (High and Standard) – two PPO dental plan options, offering different levels of benefits, that allow you to visit any licensed dentist of your choice and offers you coverage for a broad range of dental services.

This website will help you learn about the Aetna plans described above and understand how they work. You may also preview a wide range of online tools available to help you manage your health care and its costs.

Health benefits plans are offered and/or underwritten by Aetna Health Inc. (Aetna).

The Aetna HMO managed care plan may not cover all of your health care expenses. Read your contract carefully to determine which health care services are covered. To contact the plan if you are a member, call the number on your ID card.

This material is for information only. Health benefits plans contain exclusions and limitations. Plan features and availability may vary by location and are subject to change. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.