Resolution No. 2011-181RESOLUTION NO. 2011-181
A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF
VERNON APPROVING AND RATIFYING THE ACTIONS TAKEN BY
THE RISK MANAGER IN ESTABLISHING METROPOLITAN LIFE
INSURANCE COMPANY GROUP POLICY FOR 2011 DENTAL CARE
BENEFITS AND APPROVING THE RENEWAL OF DENTAL CARE
BENEFITS FOR ACTIVE EMPLOYEES AND RETIREES FOR THE
CALENDAR YEAR 2012 FROM AETNA LIFE INSURANCE
COMPANY
WHEREAS, on November 9, 2009, the City Council of the City
of Vernon adopted Resolution No. 10,094, approving dental care
benefits with Metropolitan Life Insurance Company ("MetLife") for the
period of January 1, 2010 through December 31, 2010; and
WHEREAS, Risk Management renewed the dental care benefits
with MetLife for active employees, identified consultants, City Council
members and retirees for the calendar year 2011 based on an approximate
annual premium of $417,300.60; and
WHEREAS, Aetna Life Insurance Company ("Aetna") has provided
the City with quotes for the Dental PPO Plan and the Dental DMO Plan
56 which are comparable with the current MetLife plans and lower in
cost; and
WHEREAS, Aetna has advised the City that it will guarantee
the rates at an approximate cost of $414,117.00 based on current
enrollment figures for two years and by selecting the Aetna dental
plan in conjunction with the Aetna medical health care benefits, Aetna
will lower the medical premiums by one percent (1%); and
WHEREAS, the Risk Manager has recommended that the City
renew dental care benefits for active employees and retirees for the
calendar year 2012 with Aetna based on an approximate annual premium
based on current enrollment of full time employees and retirees of
$327,129.48; and
WHEREAS, the annual premiums cited herein are approximate
because they are based on Vernon's credit to each employee and the
employee and retiree enrollment choices for 2011 and may change if
enrollees switch plans during open enrollment; and
WHEREAS, the Risk Manager has requested that his actions in
obtaining dental care benefits with MetLife for the calendar year 2011
be ratified; and
WHEREAS, the City Council intends to renew the dental care
benefits for 2012 based upon the recommendations of the Risk Manager.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE
CITY OF VERNON AS FOLLOWS:
SECTION 1: The City Council of the City of Vernon hereby
finds and determines that the recitals contained hereinabove are true
and correct.
SECTION 2: The City Council of the City of Vernon hereby
ratifies the actions of the Risk Manager in obtaining dental care
benefits with MetLife for the calendar year 2011.
SECTION 3: The City Council of the City of Vernon hereby
approves the renewal of dental care benefits with Aetna Life Insurance
Company for active employees and retirees that are summarized in the
Aetna Dental Cost and Benefit Summary, a copy of which is attached .
hereto as Exhibit A.
SECTION 4: The City Council of the City of Vernon hereby
directs the City Administrator, or his designee, to take whatever
actions are deemed necessary or desirable for the purpose of
implementing and carrying out the purpose of this Resolution and the
transactions herein approved or authorized.
- 2 -
SECTION 5: The City Clerk of the City of Vernon shall
certify to the passage, approval and adoption of this resolution, and
the City Clerk of the City of Vernon shall cause this resolution and
the City Clerk's certification to be entered in the File of
Resolutions of the Council of this City.
APPROVED AND ADOPTED. this 1st day of November, 2011.
ATTEST:
Ana rcia, Deputy City Clerk
Title: —/ Mayor Pro-Tem
- 3 -
STATE OF CALIFORNIA )
) ss
COUNTY OF LOS ANGELES )
I, Ana Barcia, Deputy City Clerk of the City of Vernon, do hereby
certify that the foregoing Resolution, being Resolution No. 2011-181,
was duly passed, approved and adopted by the City Council of the City
of Vernon at a regular meeting of the City Council duly held on
Tuesday, November 1, 2011, and thereafter was duly signed by the Mayor
or Mayor Pro-Tem of th� City of Vernon.
Executed this /� day of November, 2011, at Vernon, California.
(SEAL)
Ana Barcia, Deputy City Clerk
- 4 -
EXHIBIT A
CITY OF VERNON
GROUP DENTAL - DUAL CHOICE PLANS
Effective Date: January 1, 2012
AMID$
Vx
S
Passive PPO Plan
Passive PPO Plan
Annual Maximum
$1,500
$1,500
$1,500
Deductible
$50 Ind / $150 Family
$50 Ind / $150 Family
$50 Ind / $150 Family
PREVENTIVE:
Pays 100%
Pays 100%
Pays 100% Pays 100%
Pays SOD% Pays 100%
- exam
(ded waived)
of R&C Fee
(ded waived) of R&C 9Dth
(ded waived) of LI&C 90th
- x-ray
(ded waived)
(ded waived)
(ded waived)
- cleanings
BASIC:
Pays 80%
Pays 80%
Pays 80% Pays 80%
Pays 80% Pays 80%
- Filling
- Periodontics
- Endodontics
MAJOR: OR:
Pays 60%
Pays 60%
Pays 60% Pays 60%
Pays 60% Pays 60%
- crowns
- Implants
ORTHODONTIA:
Pays 50%
Pays 50%
Pays 50% Pays 50%
Pays 50% Pays 50%
- Lifetime Max
$750.00
$750.00
$750.00
- Children Only
Current Premium
EE
117
$
51.11 $
5,979.87
EE+Spouse
25
$
109.12 $
2,728.00
EE+Chlld(ren)
35
$
103.76 $
3,631.60
EE+Family
=
$
169.03 $
16,903.00
277
$
29,242.47
RENEWAL PRENINM:
RENEWAL PREMIUM
PPO
Optional PPO
Optional PPO
EE
117
$
57.75 $
6,756.75
$
57.37 $ 6,712.29
$ 54.92 $ 6,425.64
EE+Spouse
25
$
123.31 $
3,082.75
$
122.51 $ 3,062.75
$ 117.24 $ 2,931.OD
EE+Chlld(ren)
35
$
117.25 $
4,103.75
$
116.49 $ 4,077.15
$ 111.48 $ 3,901.80
EE+Family
MR
$
191.00 $
19,100.00
$'
189.76 $ 18,976.00
$ 181.56 $ 18,156.00
277
$
33,043.25
$ 32,828.19
$ 31A14.44
gate Guarantee
I
1 Year
2 Years
1 Year
**Aetna Notes:
If packaged with Medical and Dental - a 1% discount off the Medical Rates
If packaged with Medical and Life - a 0.5%(half percent) discount off the Medical Rates
If packaged with Medical, Dental and Life - a 1.5% discount off the Medical Rates
SAINSURANCESERMESUCENSEN0175794
CITY OF VERNON
GROUP DENTAL- DHMO PLANS I
;
Effective Date: January 1, 2012
ON 0 �ETSO<
J f
histhegreateroF60%
Mlnimum Enrollment
51
orl0enrolledlless
7NO
DIAGNOSTIC
Do12o
Periodic Oral Evaluation
No Cost
No Cost
D021D
Intraoal-complete series
No Cost
No Cost
PREVENTIVE:
D1110
Prophylaxis - adult
No Cost
No Cost
No Cost
Add'1 Adult Prophylaxis (max of 2 add't per year)
$20.00 Copay
Copay
D1120
Prophylaxis -child
No Cost
No Cost
Cost
Moll Child Prophylaxis (max of 2 add't per year)
$15.00 Copay
0 Copay
RESTORATIVE
D21C
Amalgam -One surface
No Cost
No Cost
V$45.00
Cost
D23%
Resin -based composite crown, anterior
$20.00 Copay
No Cost
0 copay
ENUODONTEC$D331D
Endodontic Therapy, Root Canal -anterior per tooth
$30.00 Copay
No Cost
COPaY
(excluding final restoration)
D33M
Endodontic Therapy, Root Canal - molar per tooth
$75.00 Copay
$125.00 Copay
$150.00 Copay
(excluding final restoration)
PERIODONTICS
D4341
Pedodontal soling and root planning
$15.00 Copay
$25.00 Copay
$20.00 Copay
4 or more teeth per quadrant
D4920
Periodontal maintenance
$15.00 Copay
$15.00 Copay
$25.00 Copay
Once every 6
months
D60OD-DS199
Implant Services
Yes
Yes - Limited
Not Covered
CROW"RIDGES
D6210
Pontic- cast high noble metal
$50.00 Corpay
$150.00 Copay
$225.00 Copay
D62Q
Pontic- porcelain fund W high noble metal
$50.00 Copley
$150.00 Copay
$225.00 Copay
D67W
Crown- porcelain fwedto high noble metal
$50.00 Copay,
$150.00 Copay
$225.00 Copay
Crnum/Flxed Bridaes
Note: MmUfs:AldltloMl dal not to eased 515B per unit, will be applied for airy procedure win, more, high noble or titanium metal. Them isr$75 Copry per molar, forth¢ use of
Per Unh:
arrestors. Coses lnvohing preen(7)or come Crowns, Implants and/orfixed Mop units in the same treatment pion require an additional $125 unfair per unit In additional to the
yedRed coprym ed for push Cunwn, Implant or gdtlge unit.
ORALSURGERY
D7140
Extraction, erupted tooth or exposed
No Cost
No Cost
No Cost
root (elevation and/or forceps removal)
D7240
Removal of Impacted tooth -completely bony
$55.00 Copay
$60.00 Copay
No Cost
ORTNODOMIM
DMO
Umlted Orthodontictrertment of the adolescent dentition
$725.00 Copay
Not Covered
$1,000.00 Copay
118040
Limited orthodontic treatment of the adult dentition
$725.00 Copay
Not Covered
$1,000.00 Copay
DMW
Comprehenalve Orthodontic treatment of the adolescent dentition
$1,450.00 Copay
$1,045.00 Copay
$1,775.00 Copay
D11091)
Crmprehenslue OModomicuseduaent WtheAdultdmtlaon
$2,450.00 Copay
$1,045.00 Lopay
$1,975.00 Copay
RENEWAL PREMIUM:
17
Employee
S14„92
$l
2
Employee + Spouse
2
Employee +Chiid(ren)
$99.�4
5 Ys96f'
22
Employee + Family
43
Total/Monthly
c `1A2
E�
Total/Annual
td
Rate Guaranteed
HA IMUM SWINGES UaM MI M
RECEIVE®
OCT 2 6 2011
CITYCLERK'S OFFICE
DA: October 24, 2011
Staff Report
Risk Management
TO: Honorable Mayor and City Council
FR: Willard G. Yamaguchi, Risk Manager
RE: Health Benefits Renewal 2012
Aetna Dental for Full Time Employees and Retirees
L(NOW7i 3
RECEIVE®
OCT 2 6 2011
CITY ADMINISTRATION
Dental Insurance 2011
Due to inadvertence and/or mistake, Risk Management failed to submit a request to the Council
for approval of the 2011 dental insurance program for employees and retirees.
Dental Insurance 2012
FIA Insurance (FIA), the City's insurance broker for dental benefits, solicited quotes from
MetLife, Vernon's current dental benefit provider, Aetna, Delta Dental, Reliance Standard, and
Assurant. Quotes were received from MetLife, Aetna, Delta Dental, and Reliance Standard.
Assurant declined.
Upon review of said quotes, Risk Management recommends to renew our dental plan for
calendar year 2012 with Aetna, at an approximate cost of $414,117.00 based on our current
enrollment figures.
Aetna will be offering two different dental plans designs that employees can choose from. They
are the Dental PPO Plan and the Dental DMO Plan 56. The Aetna plan is very similar to the
MetLife plan in features and lower in cost. Further, Aetna is willing to guarantee the rates for
two years. Moreover, by selecting the Aetna dental plan in conjunction with the medical plan,
Aetna will lower the medical premium by 1.0%.
Per Resolution 2011-106, the City will be contributing $1,050 a month towards medical and
dental premiums for those employees enrolled in an HMO Plan and $800 a month towards
medical and dental premiums for those employees enrolled in a PPO Plan. Based on the current
enrollment of full time employees, the approximate cost to the City is $314,834.76.
Per Resolution 2011-107, certain categories of retirees qualify for City paid medical and dental
premiums or subsidized medical and dental premiums. Based on the current enrollment of
retirees, the approximate cost to the City is $12,294.72.
The total cost of dental premiums for full time employees and retirees for calendar year 2012, is
approximately $327,129.48, which accounts for employee and retiree contributions, pursuant to
Resolution 2011-106 and Resolution 2011-107. This number is based on Aetna's 2012 rates and
our current enrollment figures.
2012 Dental Benefit Renewal
October 24, 2011
Page 2 of 2
Fiscal Impact
Sufficient funds have been budgeted by each Department for this expenditure.
Recommendation
Risk Management recommends the ratification of payment to MetLife for 2011 dental premiums
and the renewal of the Aetna dental insurance benefit package for full time employees and
retirees at an approximate cost of $327,129.48 for calendar year 2012.
WGY/kr
Enclosure
CITY OF VERNON
GROUP DENTAL - DUAL CHOICE PLANS
Effective Date: January 1, 2012
All'
+
Passive PPO Plan
Reliance Standard
` PPO Non-PPO
Passive
PPO Plan
Annual Maximum
$1,500
$1,500
$1,500
Deductible
$50 Ind/$150
Family
$50 Ind/$150 Family
$50Ind /$150
Family
PREVENTIVE:
Pays 100%
Pays 100%
Pays 100% Pays 100%
Pays 100%
Pays 100%
- exam
(ded waived)
of R&C Fee
(ded waived) of R&C 90th
(ded waived)
of U&C 90th
- x-ray
(dedwaived)
(ded waived)
(ded waived)
- cleanings
BASIC: -
Pays 80%
Pays 80%
Pays 80% Pays 80%
Pays 80%
Pays 80%
- Filling
- Periodontics
- Endodontics
MAJOR:
Pays 60%
Pays 60%
Pays 60% Pays 60%
Pays 60%
Pays 60%
- crowns
- Implants
ORTHODONTIA:
Pays 50%
Pays 50%
Pays 50% Pays 50%
Pays 50%
Pays 50%
- Lifetime Max
$750.00
$750.00
$750.00
- Children Only
Current Premium
EE
117
$
51.11 $
5,979.87
EE+Spouse
25
$
109.22 $
2,728.00
EE+Child(ren)
35
$
103.76 $
3,631.60
EE+Family
100
$
169.03 $
16,903.00
277
- $
29,242.47
RENEWAL PREMIUM:
RENEWAL PREMIUM
PPO
Optional PPO
Optional PPO
EE
117
$
57.75 $
6,756.75
$
57.37 $ 6,712.29
$
54.92 $ 6,425.64
EE+spouse
25
$
123.31 $
3,082.75
$
122.51 $ 3,062.75
$
217.24 $ 2,931.00
EE+Child(ren)
35
$
117.25 $
4,103.75
$
116.49 $ 4,077.15
$
112.48 $ 3,902.80
EE+Famlly
Q
$
191.00 $
19,100.00
$
189.76 $ 18,976.00
$
181.56 $ 18,156.00
277
$
33,043.25
$ 32,828.19
$ 32,414.44
Rate Guarantee
I
I
1 Year
2 Years
1 Year
Breakdown for Dual Choice (PPO &
Notes
**Aetna Notes:
If packaged with Medical and Dental - a 1% discount off the Medical Rates
If packaged with Medical and Life - a 0.5% (half percent) discount off the Medical Rates
If packaged with Medical, Dental and Life - a 1.5% discount off the Medical Rates
FIR INSURANCE SERVICES UCENSE 0175794
CITY OF VERNON
GROUP DENTAL- DHMO PLANS (DUAL CHOICE)
Effective Date: lanuary1,2012
Reliance Standard
DHMG-Plan A75r
Minimum Enrollment
51
%combined
Itisthegreaterof60%
or 10 enrolled lives
DIAGNOSTIC
D0120
Periodic Oral Evaluation
No Cost
No Cost
No Cost
D0210
Intraoral - complete series
No Cost
No Cost
No Cost
PREVENTIVE:
D1110
Prophylaxis - adult
Add'I Adult Prophylaxis(max of 2 add't per year)
No Cost
$20.00 Copay,
No Cost
No Cost
$45.00 Copay
D1120
Prophylaxis - child.
Add'I Child Prophylaxis (max of 2 add't per year)
No Cost
$15.00 Copay
No Cost
No Cost
$35.00 Copay
RESTORATIVE
D2140
Amalgam - One surface
No Cost
No Cost
No Cost
D2390
Resin -based composite Crown, anterior
$20.00 Copay
No Cost
$50.00 Copay
ENDODONTICS
D3310
Endodontic Therapy, Root Canal- anterior per tooth
(excluding final restoration)
$30.00 Copay
No Cost
$50.00 Copay
DB30
Endodontic Therapy, Root Canal - molar per tooth
(excluding final restoration)
$75.00 Copay
$125.00 Copay
$150.00 Copay,
PERIODONTICS
U341
Periodontal scaling and root planning
4 or more teeth per quadrant
$15.00 Copay,
$25.00 Copay
$20.00 Copay
D4910
Periodontal maintenance
$15.00 Copay,
$15.00 Copay
$25.00 Copay,
Once every 6
months
D6000-D6199
Implant Services
Yes
Yes - Limited
Not Covered
CROWN -BRIDGES
D6210
Pontic- cast high noble metal
$50.00 Copay
$150.00 Copay
$225.00 Copay
D6240
Politic- porcelain fused to high noble metal
$50.00 Copay
$150.00 Copay
$225.00 Copay,
D6750
Crown- porcelain fused to high noble metal
$SO.00 Copay
$150.00 Copay
$225.00 Copay,
Cmwns/flxed Bridges
Per Unit:
Now: Meflife: Additional charge, not to exceed$ISO per unit, will be applied for any procedure using noble, high noble or titanium metal. Mere is a 575 Copay per molar, for the use of
porcelain. CasesineolWng seven(7)or mare Crowns, Implants and/orfixed Bridge units In the same treatment plan require an additional $125 wWy per unit In additional to the
specified mpar ment for each Onem, Implant or Bridge unit.
ORALSURGERY
D7140
Extraction, erupted tooth or exposed
root (elevation and/or forceps removal)
No Cost
No Cost
No Cost
D7240
Removal of impacted tooth -completely bony
$55.00 Copay,
$60.00 Copay
No Cost
ORTHODONTICS
DSOM
Limited Orthodontic treatment ofthe adolescent dentition
$725.00 Copay
Not Covered
$1,000.00 Copay
D8040
Limited Orthodontic treatment ofthe adult dentition
$725.00 Copay
Not Covered
$1,000.00 Copay,
DBOBO
comprehends¢ ouhodonuctmatmmt d the adoleacenudem0lon
$1,450.00 Copay
$1,045.000opay
$1,775.00 Copay,
D9090
Compreheaslw orthodonticonatmeat of preadult dentition
$1,450.00 Copay
$1,045.000opay
$1,975.00 Copay,
RENEWALPREMIUM:
17
2
2
j�
43
Employee
Employee + Spouse
Employee + Child(ren)
Employee + Family
Total/Monthly
Total/Annual
Rate Guaranteed
'
I,,
e.,
�Si,,
• -
$14,44
$i24;4fh
•`•$
.�
=$ �.' 48 gfl�
831:16`;
147886
$ 1414611'
2 Years
FIA INSURANCE SERVICES LICENSE 10175794
CITY CLERK'S OFFICE
INTEROFFICE MEMORANDUM
DATE: November 2, 2011
TO: Willard Yamaguchi, City Clerk/Risk Manager
FROM: Ana Barcia, Deputy City Clerk
RE: Resolution No. 2011-181 - A Resolution of the City Council
of the City of Vernon Approving and Ratifying the Actions
Taken by the Risk Manager in Establishing Metropolitan Life
Insurance Company Group Policy for 2011 Dental Care Benefits
and Approving the Renewal of Dental Care Benefits for Active
Employees and Retirees for the Calendar Year 2012 from Aetna
Life Insurance Company
Transmitted herewith is a copy of Resolution No. 2011-181 referenced
above, which was approved by City Council on November 1, 2011.
Thank you.
AB: dj
Attachment
c: Resolution No. 2011-181
Agreement No. 11-117
Juarez, Debbie
From:
Juarez, Debbie
Sent:
Wednesday, November 02, 2011 7:50 AM
To:
Rueda, Karina
Subject:
RE: Aetna Medical and Aetna Dental and Lincoln National Life Insurance Policies Res. Nos.
2011-180, 2011-181, 2011-182, 2011-183
Ok, thanks. I will need copies of the communications for the file, please.
Deborah Juarez
Records 911a.uagementAssistant.
City of Vernou - City Cfer(s C ffice
4305 Santa TeAvenue
Vernon, CA .90058
(323) 583-8811
From: Rueda, Karina
Sent: Wednesday, November 02, 2011 7:49 AM
To: Juarez, Debbie
Subject: RE: Aetna Medical and Aetna Dental and Lincoln National Life Insurance Policies Res. Nos. 2011-180, 2011-181,
2011-182, 2011-183
Yes, our brokers and Ins companies negotiated the renewals and the confirmation was either verbal or by e-mail
communication.
From: Juarez, Debbie
Sent: Wednesday, November 02, 2011 7:48 AM
To: Rueda, Karina
Subject: RE: Aetna Medical and Aetna Dental and Lincoln National Life Insurance Policies Res. Nos. 2011-180, 2011-181,
2011-182, 2011-183
Are they being handled by e-mail communication again?
(De6orafi Juarez
*cords WanageruentA.ssistaut
City of Vernon - City CCerks Office
4305Santa TeAvenue
9,leruon, (fit 90058
(323) 583-8811
From: Rueda, Karina
Sent: Wednesday, November 02, 2011 7:46 AM
To: Juarez, Debbie
Subject: RE: Aetna Medical and Aetna Dental and Lincoln National Life Insurance Policies Res. Nos. 2011-180, 2011-181,
2011-182, 2011-183
No agreements.
From: Juarez, Debbie
Sent: Wednesday, November 02, 2011 7:46 AM
To: Rueda, Karina
Subject: Aetna Medical and Aetna Dental and Lincoln National Life Insurance Policies Res. Nos. 2011-180, 2011-181,
2011-182,2011-183
Hi Karina. Are there going to be actual agreements associated with these resolutions?
DeGorat ` narez
Recordr WanngententAssistant
City of Vernon - City C, -rk,'s office
4305Santa EeA.venue
`iI'ernon, (,; 4 90058
(323) 583-8811
�vi/ 1 k /
Juarez, Debbie
From: Rueda, Karina
Sent: Thursday, February 02, 2012 2:37 PM
To: Juarez, Debbie
Subject: FW: City of Vernon - Medical and Dental
Attachments: 1.1.2012 Current -Renewal- BLENDED and DMI Rates.pdf
From: Ellie Jones fmailto:Elliej(s:bfia-insurance.com1
Sent: Monday, January 30, 2012 10:02 AM
To: Rueda, Karina
Subject: FW: City of Vernon
This is my final email for medical and dental.
Thanks!
Ellie
From: Ellie Jones
Sent: Friday, October 21, 2011 1:53 PM.
To: 'Radius, Robert'
Subject: RE: City of Vernon
Per Willard and Karina — medical plans are confirmed:
HSA 5 — HDHP —same as current plan — no changes
HMO High is the same as current with the exception of a $30 specialist —100% hospitalization.
Final Blended Rates — please see attached.
Thanks!
Ellie
Elizabeth Jones
Vice President
Manager - Employee Benefits
FIA Insurance Services, Inc.
Tel 626-395-9298 -direct
Fax 626-792-1130
Email ellici@fia-insurancecorn
License N 0175794
From: Ellie Jones
Sent: Thursday, October 20, 2011 12:01 PM
To: 'Radius, Robert'
Cc: 'mikel@aetna.com'
Subject: City of Vernon
Importance: High
Hi Rob,
Dental Plan sold:
Flat Two Year Rate Guarantee
PPO
EE $57.37
EE+Spouse $122.51
EE+Child(ren) $116.49
EE+Family $189.76
DMO Plan 56
EE
$19.22
EE+Spouse
$36.51
EE+Child(ren)
$38.43
EE+Family
$54.77
Medical: Renewed
PPO — HDHP HSA 5 — BLENDED RATES
HMO HIGH $20 OV - $30 SPECIALIST —100% HOSPITAL
Vernon is asking for clear copy of the plan designs for 2012 with the new effective date of 1/1/2012 on the
document. They need this ASAP please.
Thank you!
Ellie
Elizabeth Jones
Vice President
Manager - Employee Benefits
FIA Insurance Services, Inc.
Tel 626-395-9298 - direct
Fax 626-792-1130
Email ellieiRfia-insurance.com
License H 0175794
CONFIDENTIALITY NOTICE: This E-mail (including attachments) is confidential and may be legally
privileged. It may contain information which is confidential or prohibited from any disclosure under the HIPAA
Privacy Rule, Cal-GLBA or other federal or state laws. It is intended to be conveyed only to the designated
recipient(s). If you are not the intended recipient, you are hereby notified that any retention, dissemination,
distribution, or copying of this communication is strictly prohibited. and that use, dissemination, distribution, or
reproduction of this message by unintended recipients is not authorized and may be unlawful. Please reply to
the sender if you have received the message in error and delete this e-mail, along with any attachments, from
your computer. Please note that any personal views or opinions presented in this email are solely those of the
author and do not necessarily represent those of the company. Thank you
This e-mail may contain confidential or privileged information. If you think you have received this e-mail in
error, please advise the sender by reply e-mail and then delete this e-mail immediately. Thank you. Aetna
CONFIDENTIALITY NOTICE: This E-mail (including attachments) is confidential and may be legally
privileged. It may contain information which is confidential or prohibited from any disclosure under the HIPAA
Privacy Rule, Cal-GLBA or other federal or state laws. It is intended to be conveyed only to the designated
recipient(s). If you are not the intended recipient, you are hereby notified that any retention, dissemination,
distribution, or copying of this communication is strictly prohibited. and that use, dissemination, distribution, or
reproduction of this message by unintended recipients is not authorized and may be unlawful. Please reply to
the sender if you have received the message in error and delete this e-mail, along with any attachments, from
your computer. Please note that any personal views or opinions presented in this email are solely those of the
author and do not necessarily represent those of the company. Thank you
S
n N F lmll lND
N N N W M
6' n N N fell b
O
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