24.04.100.1 (8/09)

i.ChooseSM

Voluntary solutions from Aetna

Offer the coverage your employees want … at a cost your business can afford

Looking for creative solutions to trim your benefit expenses, but still want to offer a benefits package that attracts and retains employees? Need coveragefor your part-time employees, people in their waiting period for benefits, retirees or just want a new solution for your full-time employees? Here’s a fresh perspective that can help you do both. i.Choose voluntary solutions from Aetna. i.Choose lets you offer a wide range of valuable benefits for your employees. Pick any — or all of them to meet the needs of your employees. And with i.Choose, you can contribute toward your employees’ coverage in a way that makes sense for your business.

For more than 150 years, Aetna has been an innovator in the delivery of insurance solutions ...

So put the power of choice to work for you today.

Aetna can help you stretch your benefits dollars across all your employee groups

Health insurance, disability and life insurance plans/policies are underwritten and/or administered by Aetna Life Insurance Company (Aetna). Insurance plans are offered and administered by Pets Best LLC, underwritten by Aetna Insurance Company of Connecticut (AICC) and endorsed by the Group Health & Life Insurance Trust of the American Veterinary Medical Association.Dental benefits and dental insurance, life insurance and disability insurance plans are offered, underwritten or administered by Aetna Health Inc., Aetna Dental Inc., Aetna Dental of California Inc. and/or Aetna Life Insurance Company (Aetna). Each insurer has sole responsibility for its own products.

Your employees want options to get the best coverage for their needs. And i.Choose has more ways you can help. With the right mix of Aetna products, you can take steps to: ■ Help keep your employees financially secure■ Encourage them to stay healthy■ Gain improvements in productivity

Aetna’s i.Choose voluntary solutions are about giving employees what they need to make the right benefits choices for themselves and their families. That’s where the value of our name comes in — i.Choose.

The value of Aetna for voluntary benefits*

Whether our life, disability, AD&D and dental products are offered as voluntary or employer-paid, Aetna is in a unique position to integrate these products with our employer-paid medical products. This capability can help us to better meet your employees’ needs. This gives you the advantages of our powerful programs, such as Dental/Medical Integration and Integrated Health and Disability. You can enjoy the efficiencies and potential savings of these programs — no matter what your contribution level.

■ Aetna Dental® let’s you take advantage of our large networks, flexible plan designs, competitive discounts and exceptional customer service.

■ Basic, Supplemental and Dependent Life insurance offers affordable protection for employees and their immediate family members. And with guaranteed issue, your employees may get coverage without medical underwriting up to certain dollar limits.

■ AD&D Ultra®Accidental Death and Personal Loss Coverage provides an additional level of lower cost coverage to a life insurance plan.

■ Short and Long Term Disability plans can help get your employees back to work and provide for their financial well-being. Be sure to ask about our new flat dollar and hybrid plans!

No additional cost for employee education*

Reduce the amount of work and money your business spends on benefits education. Our Worksite Marketing team can work with you to develop effective strategies for communicating the value of your benefits package to your employees. Our services are available for groups over 300 lives and may include:

■ Dedicated marketing consultants■ Onsite employee meetings■ Personalized enrollment packages■ Plan-specific marketing material■ Targeted e-mail communications■ Online voice-over presentations

Flexible technology solutions*

Does your current administrative platform give you what you need? Consider the capabilities of our new administrative platform — i.CAPSM. i.CAP currently supports Aetna medical, dental, life, disability and AD&D plans.* With i.CAP’s robust e.Enrollment, e.Billing and reporting, you can spend more time on other things — like managing your business. And these powerful services are all optional. So choose what works best for you. Key features include:

e.Enrollment■ Provides self-service, online enrollment for

you and/or your employees■ Handles ongoing enrollment for newly

eligible employees and life-event changes■ Provides on-demand reporting of employee

and benefit information■ Allows export into multiple formats

e.Billing■ Provides online electronic list-bill view and

payment options■ Offers several payment options■ Lets you review previous invoices■ Enables you to run reports on demand, or

on a regular basis (daily, weekly, monthly)

* Please check with your Aetna representative for the most up-to-date platform product capabilities.

Onsite or online enrollment**

You may be satisfied with your current administrative platform and simply want to boost participation in an Aetna voluntary product. No problem — we can handle it at any time during the plan year. We have onsite laptop enrollment available for your employees. With this service, our Aetna Benefits Counselors meet directly with your employees to answer questions and help them enroll. If you’d prefer, we can simply send a link for them to enroll online. Either way, it’s a snap!

i.Choose — the way to offer a better benefits package

** This solution is currently available for our voluntary life, disability and AD&D products only.

Aetna Affordable Health Choices® limited benefits insurance plan*Our limited benefits plan solutions can help you recruit and retain part time, hourly, and seasonal workers. The plan can also be offered to other employees who are in their benefits waiting period or otherwise not currently eligible for standard benefits programs.

All these voluntary benefits are offered on a guaranteed-issue basis. Plus, our administrative systems streamline implementation, enrollment, billing and the ongoing service of your plan.

■ Limited Medical with Pharmacy Benefits■ Hospital Indemnity ■ Dental Plans■ Term Life and Accidental Death Insurance ■ Short Term Disability Insurance**

■ Vision Care

Limited offerings: For people not eligible for standard benefit programs

Aetna’s national provider networks support these products, which give your employees access to discounts from participating providers of between 20% and 50 %.***

Optimize participation with our enrollment support program!

■ Client-specific enrollment kits■ Site Manager guides■ Administrative toolkits■ Post-enrollment member materials

Flexible billing and administrative solutions, designed to meet the unique needs of employers with part-time staff:

■ List bill or self-bill premium administration ■ Self-billing with missed premium process ■ COBRA and HIPAA support

Discount ProgramVital Savings by Aetna® — This program† is not insurance, but it lets you offer a discount dental solution for your employees. You can make the program available to any of your employees, but it may be best-suited for part-time workers or retirees. You can choose to offer this dental discount program with payroll deduction — or have your employees billed directly. Single or family rates are available.

* Except in NY, this plan is filed as a major medical plan that contains an annual benefit maximum and a number of additional coverage limitations and exclusions.

** Coverage for employee only; coverage is not available in California, Hawaii, New Jersey, New York, Rhode Island, and Puerto Rico.

*** Based on Aetna network provider statistics, current as of 12/31/08. † Vital Savings is not available in VT or MT.

The Vital Savings by Aetna® program (the “Program”) is not insurance. The Program provides members with access to discounted fees pursuant to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna discount program. The Program does not make payments directly to the providers participating in the Program. Each member is obligated to pay for all services or products but will receive a discount from the providers who have contracted with the Discount Medical Plan Organization to participate in the Program. Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-877-698-4825, is the Discount Medical Plan Organization.

Cut Costs. Not Benefits. Think Voluntary.SM

www.ichoosebyaetna.com

Health benefits and health insurance plans contain exclusions and limitations. Plan features and availability may vary by location and are subject to change. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.Policy forms issued in OK include: GR-9/GR-9N, GR-23 and/or GR-29/GR-29N.

©2009 Aetna Inc. 26.04.100.1 (8/09)

Happier employees, healthier pets! Offer Pets Best Insurance!Pets Best Insurance — is a benefit that builds good will with your employees. Companies offering pet insurance to employees have a unique tool to attract and retain the best talent. It’s affordable for all employees, and comes with no cost to you. More than 50 percent of consumers surveyed find it appealing for a health insurer to offer pet insurance.1 Aetna’s general insurance subsidiary, Aetna Insurance Company of Connecticut (AICC), has teamed with Pets Best Insurance to offer pet insurance products.

Pets Best plans offer your employees a variety of affordable options that help cover veterinary visits, lab tests, surgery and prescription medications for unexpected illnesses, accidents and injuries. Pet insurance is 100 percent employee-paid voluntary only. Plans underwritten by AICC are available in 43 states, plus the District of Columbia. And this number is growing2

1 Aetna Market Insights Consumer Survey, March 2008.

2 Information is current as of September 2009.

Want to learn more?Contact your Aetna representative today — and see how i.Choose can be the right choice for you!