Typical Plan Features of an Individual Health Insurance Policy

                                                                   In-Network                    Out-of-Network

Annual Deductible
    Individual                                                 $1,000 - $  5,000             $2,000 - $10,000
    Family                                                      $2,000 - $10,000            $4,000 - $20,000

Annual Out-of-Pocket Maximum
    Individual                                                 $2,000 - $  5,000             $4,000 - $10,000
    Family                                                      $4,000 - $10,000            $8,000 - $20,000


Lifetime Maximum Benefit                                        $1,000,000 - $5,000,000

Physician Visit
    General Practitioner                                  $25-50 Co-Pay              Carrier Pays 60%
    Specialist                                                  $35-75 Co-Pay              Carrier Pays 60%

Preventative Care (Ages 7 and Up)          Co-Pay, then 100%        Carrier Pays 60%
                                                                     up to$300 per Insured    after Deductible
                                                                     per Calendar Year          up to $300 per Insured
                                                                                                           per Calendar Year

Mammogram, Pap Smears,       
PSA, Etc.                                                     Carrier Pays 80%          Carrier Pays 60%
                                                                                                          after Deductible

Child Preventative care
(6 and Under)                                              Carrier Pays 80%          Carrier Pays 60%

Immunizations for Children
(6 and Under)                                              Carrier Pays 80%        Carrier Pays 60%

Ambulance                                                  Carrier Pays 80%        Carrier Pays 60%
                                                                     after Deductible           after Deductible

Emergency Room Visits                            Carrier Pays 80%        Carrier Pays 80%
                                                                    after Deductible            after Deductible
                                                                                                        for True Emergencies,
                                                                                                        otherwise Pays 60%

Urgent Care Facilities                                Carrier Pays 80%        Carrier Pays 60%
                                                                    after Deductible            after Deductible
                                                                                                        for True Emergencies,
                                                                                                        otherwise Pays 60%

Inpatient Hospital Services                        Carrier Pays 80%        Carrier Pays 60%
                                                                     after Deductible            after Deductible

Outpatient Surgery                                     Carrier Pays 80%        Carrier Pays 60%
                                                                     after Deductible            after Deductible

Outpatient Lab, X Rays,
Ultrasound, MRI and CT Scan                  Carrier Pays 80%        Carrier Pays 60%
                                                                     after Deductible           after Deductible

Physical, Occupational and       
Speech Therapy                                  Carrier Pays $30 Maximum per Visit per Insured

Durable Medical Equipment                      Carrier Pays 80%        Carrier Pays 60%
                                                                     after Deductible            after Deductible

Mental Health and Substance
Abuse - Inpatient                                        Carrier Pays 80%        Carrier Pays 60%
                                                                     after Deductible           after Deductible

Mental Health - Outpatient                       Carrier Pays 80%        Carrier Pays 60%
                                                                     after Deductible           after Deductible

Prescription Drugs           

     Retail Pharmacy           

    Brand Name Deductible                  $100 Deductible

    Generic / Brand Name /
    Non Preferred Brand Name            $10 / $35 / $60                     Carrier Pays 50%

    Self Injectables                               Carrier Pays 70%                  Carrier Pays 50%

     Mail Order Pharmacy

    Generic / Brand Name /
    Non Preferred Brand Name            $25 / $85 / $150                    Not Covered
                                                           per 90 Day Supply       

    Self Injectables                               Carrier Pays 70%                    Not Covered