The Vital Savings by Aetna® program (the "Program") is not insurance. This program does not meet the Minimum Creditable Coverage requirements in Massachusetts. It provides members with access to discounts at certain health care providers for medical and dental services. These discounts are discounted fees according to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna discount program. The range of discounts provided under the Program will vary depending on the type of provider and type of service received. The Program does not make payments directly to the participating providers of medical and dental services. Each member is obligated to pay for all services or products but will receive a discount from those health care providers who have contracted with the Discount Medical Plan Organization to participate in the Program. Aetna may receive a percentage of the fee you pay to the discount vendor. Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-877-698-4825, is the Discount Medical Plan Organization. www.vitalsavings.com

Oklahoma form numbers for discount programs are: GR-96402-02 04-09

**State laws vary with regard to out-of-network benefits. In Illinois, DMO plans provide limited out-of-network benefits. However, in order to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. Illinois DMO is not an HMO.

Aetna Life Insurance Company, Aetna Dental Inc., Aetna Dental of Califorina Inc., Aetna Health Inc. and/or Aetna Life Insurance Company (Aetna). Each insurer has sole financial responsibility for its own products.


***Discounts for non-covered services may not be available in all states.

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Health benefits and health insurance plans contain exclusions and limitations.