12/13/2007

Miguel Centeno, VP of Strategic Market Development, Aetna:
At Aetna, we understand that one size does not fit all when it comes to health care. To better serve New York City, we wanted to take the time to better understand the distinct cultural needs of the employers and residents within the city's many diverse neighborhoods.

Ronald Williams, Chairman and CEO, Aetna:
You have people from all over the world, whether they represent African American, Asian, or Hispanic backgrounds, and it's important that we really understand their preferences, in terms of how they take delivery of health care, that we build networks that are reflective of their communities.

Centeno:
We've created a special benefits package for New York City called the NYC Community Plan. Our plan addresses small business' distinct needs by providing health care benefits that are affordable and information -- multilingual information -- that is easy to understand among the many cultures of New York City.

Troyen Brennan, M.D., Chief Medical Officer, Aetna:
The NYC Community Plan is really based on two bits of information. The first part is our analysis of racial and ethnic disparities that we've been doing for the last three years as part of our effort to gather information on people's ethnicity and race and use that in our analytics to understand how we can improve care. The second part of it is really a detailed examination of what's happening in New York -- talking to opinion leaders, neighborhood organizers, politicians, people who provide the health care in New York -- to understand what the barriers to care are.

Tim Marshall, Presidene & CEO, Jamaica Business Resource Center; Vice Chair, Minority Business Leadership Council:
We welcome the New York City Community Plan because we, first of all, believe that it's an enlightened way to do business and to serve a growing and diverse market in New York. And at a time when the cost of doing business is significantly increasing, it really is a big help to those clients, small business owners, that we serve.

Centeno:
Specifically designed for residents who live or work and access health care in the five boroughs of New York City, the NYC Community Plan gives New York employers options relating to things like how much they will pay for doctor visits, hospital admissions, and prescriptions. This will help them select a health plan that meets their own needs and budget. The plan includes

• Competitive premiums
• No copays for preventive care
• Access to local health care and services
• A wealth of online information and resources
• And wellness programs

Employers, in turn, may benefit from increased productivity, lower absenteeism, and lower health care costs, while employees will enjoy the convenience of having health care facilities near where they live and work.

George Zeppenfeldt, President and CEO, The National Hispanic Chamber of Commerce on Health; President, Association of Hispanic Healthcare Executives:
When we were informed about the plan, one of the things that struck me to be unique about the plan is that it used a network of culturally competent providers. That particular component is particularly important in our population to make sure that not only the language is appropriate, but the cultural issues within our community are being addressed by the providers.

Amy Chu-Wong, M.D., Primary Care Physician:
I'm really excited to participate in this new endeavor. I think we'll be able to use our expertise and knowledge with the leadership and proper management from Aetna to understand what each of our patient's needs are, and especially catering to each patient's cultural differences. And that's of the utmost importance to me.

Gary Dellacerra, VP, Managed Care, Lutheran Medical Center:
The uninsured has traditionally been a drain on the health care system and now, with this product, I feel that there will be additional resources in the system, which is vitally important for preventive care and other different types of services.

Centeno:
Prevention and wellness programs can help mitigate rising health care costs trends for employers, while giving doctors and patients the opportunity identify and address conditions earlier, resulting in better outcomes. That's why our no copays for preventive care is so important.

Bertolini:
Small business employers are generally geographically concentrated. And so by building community health networks, community health plans, we can provide local flavor to our product offering that meets the needs of their community and supports the local economy.

Wang:
I think that every employee is conscious the need for health plan. And to the extent that an employer can provide health plan, I think that can be greatly attractive to perspective employees.

Glenis Henriquez: Cable Television Personality and Community Leader:
The way I see it, this is a win-win plan. Even the general health and economy of New York's diverse neighborhoods benefit. With more people using local hospitals and small businesses saving money-- money they can use to grow their business-- everybody benefits.

After reviewing the plans, if you have any questions or need more information, please call your broker, Aetna representative or visit www.aetnaNYCplan.com.

Disclosure
Health benefits plans are underwritten by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156 and/or Aetna Health Insurance Company of New York (Aetna).

Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change.

Health benefits plans contain exclusions and limitations. Discount programs provide access to discounted prices and are NOT insurance benefits.

Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.

If you are in a plan that requires the selection of a primary care physician and your primary care physician is part of an integrated delivery system or physician group, your primary care physician will generally refer you to specialists and hospitals that are affiliated with the delivery system or physician group. Aetna receives rebates from drug manufacturers that may be taken into account in determining Aetna's Preferred Drug List. Rebates do not reduce the amount a member pays the pharmacy for covered prescriptions.

This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Rates and benefits may vary by location. Information subject to change.