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Table of

Contents

3 Here WhenYou Need Us Contact Us Visit Us Dean On Call (24-hour Nurse Line) 4 The Dean Difference About Us Awards and Accreditation 5 Why Dean is the Smart Choice Access to Providers Wellness & Rewards Technology & Innovation 6-7 Provider Network Options Providers in the Network The Focus Network Coordinated Care 8-9 Understanding Health Care Reform Quick Guide Understanding the Basics Health Care ReformTerms 10-11 Holding Down Insurance Costs Health Insurance Affordability Cost-sharing Programs 12-13 Choosing the Right Plan forYou Plan Descriptions Select a Plan MetalTiers Defined 14 Care for Special Circumstances Get the Right Care Out-of-Area and Emergency Care Getting Help with Care Decisions 15-16 What is Covered? Understanding your Coverage Getting the Most Out ofYour Coverage Prescriptions 17-18 Limitations and Exclusions 19-21 Privacy and Confidentiality 22 Common InsuranceTerms

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