MORNING COFFEE FLASH

Health Net understands there are many questions regarding Medicare Part D. We have taken a simple and clear approach in communicating and incorporating options into the current Health Net Medicare Plans. Like all Health Net plans, our new offerings will cover prescriptions from the first claim, be deductible- and paperwork-free and cost less each month than the national average for comparable coverage.

Health Net has filed and been approved as a Medicare Advantage-Prescription Drug (MA-PD) provider and a Prescription Drug Plan (PDP).

The Centers for Medicare and Medicaid Services (CMS) identified a number of ways employers can take advantage of this new benefit and help offset drug costs for their retiree populations. Health Net supports both options, offering Enhanced Part D Benefits and the Retiree Drug Subsidy (RDS) approach. Enhanced Part D benefits can be offered under both the Medicare Advantage product and Health Net's Medicare COB plans.

Under the Enhanced Part D benefits approach, Health Net can offer prescription drug plans that are richer than the standard Part D benefit and provide a discount to employers' Medicare group rates.

Under the Retiree Drug Subsidy approach, employers can apply to receive direct Federal subsidy payments, helping offset retiree drug costs, and can keep current prescription drug plans in place, if equivalent or richer than the standard Part D benefit.

Health Net offers MA-PD plans in both Connecticut and New York, some with no additional cost for the Part D benefit.

Health Net also offers two stand-alone Part D (PDP) options:
1. Two Tier prescription plan - Generic and Brand Formulary
2. Three Tier prescription plan - Generic, Brand Formulary and Non-Preferred Formulary

For all prescription plans there are maximum coverage levels and co-pays.

For more information regarding employer group options, please contact your Health Net Medicare Account Executive or your Health Net Account Manager:

In Connecticut, contact Kim McGuire at 203-225-8738.
In New York, contact Stephanie Seifert at 212-856-4546.

Learn more about Health Net's Medicare Part D Prescription Plans at http://www.abetterdecision.com/.

MORNING COFFEE FORECAST
Medicare Part D Prescription Plan.
The new Part D prescription drug benefit plan is a result of the national outcry concerning prescription drug costs for seniors.
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For Brokers, Consultants and Employers only: The purpose of this newsletter is to provide information about industry trends and Health Net news of general interest. Information about products, offerings, service, or benefits is illustrative and general in description, and is not intended to be relied on as complete information. Please contact your Health Net sales representative for more detail about specific products or services. While every attempt is made to ensure the accuracy of the information provided, Health Net does not warranty the accuracy of the information.