NATIONAL AUTOMATIC SPRINKLER INDUSTRY

WELFARE FUND PENSION FUND

TELEPHONE (301) 577-1700

TOLL FREE (800) 638-2603

WELFARE FUND TRUSTEES PENSION FUND TRUSTEES

SHAWN BROADRICK, Chairman STANLEY M. SMITH WAYNE MILLER JAMES E. TUCKER BRIAN DUNN

FRED BARALL, Secretary CORNELIUS J. CAHILL JAMES F. LYNCH RUSSELL P. FLEMING CARLA GUNTHER

FRED BARALL, Secretary CORNELIUS J. CAHILL JAMES F. LYNCH RUSSELL P. FLEMING CARLA GUNTHER

SHAWN BROADRICK, Chairman MICHAEL R. MAHLER PETER GIBBONS JAMES E . TUCKER BRIAN DUNN

MICHAEL W. JACOBSON, Administrator

8000 CORPORATE DRIVE LANDOVER, MD 20785

November 2013

To All Participants in the NASI Welfare Fund

From the Board of Trustees

The Board of Trustees of the National Automatic Sprinkler Industry Welfare Fund is pleased to report that the NASI Welfare Fund continues to have favora-ble financial experience. Excellent investment returns on the reserves of the Fund continue to contribute to this positive result. As was the case last year, part of the reason the NASI Welfare Fund is in a better-than-expected financial position is that there are fewer par-ticipants eligible for benefits than in previous years. This year, the number of active-eligible participants has increased over recent years, but the number of eli-gible participants still has not returned to the 2008 lev-el. The Board of Trustees expects that this slowly in-creasing eligibility trend will continue as construction continues to improve. At this time, the Trustees have decided that there will be no change to the deductibles or co-insurance levels for 2014. Out-of-Pocket Maximum Consistent with the requirements of the Patient Protec-tion and Affordable Care Act (“PPACA”), the Trus-tees have modified plan rules regarding in-Network out-of-pocket maximum expenses. Although the in-network deductible and individual out-of-pocket maxi-mum amount will not change, effective January 1, 2014, the NASI Welfare Fund will recognize a “family out-of-pocket maximum” amount. This new maximum amount of $12,700 in a calendar year con-sists of all of the in-network deductible amounts and

co-insurance amounts a family incurs. In no event will a family’s total amount of deductibles and co-insurance exceed $12,700 in 2014 so long as in-network provid-ers are used. No change has been made with respect to the out-of-pocket maximum amounts for health care expenses that are “out of network” and the family out-of-pocket max-imum does not apply to services received out-of-network. To be determine whether the doctor, hospital or medi-cal facility you are using is a Blue Cross Blue Shield participating provider, call 800-810-2583 (which is 800-810-BLUE) – the Bluecard access telephone number on your BCBS ID card. Definition of Spouse Consistent with the decision of the U.S. Supreme Court in the case that struck down portions of the Defense of Marriage Act, the NASI Welfare Plan has revised its definition of Spouse to include a spouse of the same sex. Participants whose marriage is recognized in the jurisdiction in which the marriage took place may en-roll their spouse in coverage provided under the NASI Welfare Fund. An enrollment form is available on the Fund’s website, www.nasifund.org, or can be obtained by calling the Fund office, 800-638-2603. A copy of the marriage certificate is required to complete the en-rollment of a spouse.

Drugs to help you stop using tobacco Prescription drugs that reduce your craving for tobac-co have previously only been covered under the NASI Welfare Plan for people who have enrolled in the Quit for Life® program. If your doctor prescribes a drug to help you in your desire to quit tobacco and you enroll in the Quit for Life® program, that prescription drug will be covered at 100% by the NASI Welfare Plan. Now, if you want to quit tobacco but you prefer to not be enrolled in the Quit for Life® program, the NASI Welfare Plan will cover 50% of the cost of smoking cessation drugs (Chantix and buproprion (also known by the brand names Zyban and Welbutrin and other names). To get 50% coverage for a smoking cessation prescription drug, simply fill your prescription at your local pharmacy or mail it to Express Scripts. To get 100% coverage for a smoking cessation drug, call Quit for Life® at 1.866.QUIT.4.LIFE (866.784.8454) or visit www.quitnow.net. Hundreds of sprinkler fitters and their dependents have benefited from the Quit for Life® program and are now tobacco free. Medco/Express Scripts Medco Name Change to Express Scripts In 2012, our “pharmacy benefit manager”, Medco, was purchased by a firm in that same business, Ex-press Scripts. As a result of the purchase, the two com-panies are now one company. As you were advised last year, the combined company is doing business under the name of Express Scripts. Much of what par-ticipants have seen and experienced has been just the same after the merger as before. As an example, the combined company uses the “Medco” website, but now we see the brand “Express Scripts” on it. Flu shots and other Immunizations While the NASI Welfare Fund has long provided cov-erage for immunizations, in-network coverage has been limited to immunizations received from Blue Cross Blue Shield participating physicians. Now, you will be able to get immunizations at participating phar-macies local to you – which includes most local phar-macies – and those services will be considered in-network. You will only have to pay your co-insurance portion of the expense, which amount is zero for im-munizations considered to be “Preventive Services” under the PPACA.

Changes to Express Scripts National Formulary Prescription Benefit Managers like Express Scripts (“ESI”) periodically change their list of covered brand name prescription drugs and products to respond to market conditions that drive up Plan costs unneces-sarily. This occurs, for example, when drug manufac-turers use copay cards and coupons to promote the use of their products. Beginning in 2014, coverage for 48 brand name drugs and pharmaceutical products will no longer be provided through ESI’s mail-order pharma-cy or by use of your NASI Welfare Fund/ESI prescrip-tion card. That means that if you want to continue to use an excluded medication or product, you will have to pay the full cost and seek reimbursement within the maintenance drug limitation of the NASI Welfare Plan. The good news is that this change affects relatively few NASI participants and each of the 48 excluded products has at least one safe and effective alternative available in their respective therapeutic classes. Fur-thermore, ESI will provide a clinical exception review process for you and your doctor to pursue if continu-ing to use an excluded medication is deemed medical-ly necessary. If you or a family member are currently using one of the to-be-excluded products, ESI will contact you and your doctor both in writing in the near future to outline your options. The Trustees expect that affected partic-ipants and their doctors will find an acceptable alterna-tive in most cases. And, as always is the case with any coverage concerns, participants may contact the Fund Office for assistance if necessary.

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Assistance for Participants with Chronic Conditions Roughly 80% of the Welfare Plan’s expenses are in-curred by about 20% of Plan participants. Most of these participants have one or more chronic medical conditions such as high blood pressure, diabetes and chronic obstructive pulmonary disease (COPD). Sta-tistics from Blue Cross/Blue Shield of Illinois show that adherence to treatment regimens, including the taking of prescribed medications, is well below recom-mended levels for this segment of the NASI popula-tion. To help participants better manage chronic condi-tions, the Trustees will introduce a new program through Carewise Health in 2014. It is expected that this new program will launch about mid-year. Further, more detailed information about this benefit enhance-ment will be provided in the coming weeks and months. Pensioner Medical Coverage Retirees with medical coverage pay a premium that is deducted from their monthly pension benefit. The amount(s) retirees pay are designed to cover 50% of the cost of retiree coverage. In keeping with this goal, the Trustees have made changes to the monthly self-payment amounts required for retiree medical cover-age as described below. Pensioners and beneficiaries who do NOT have Medicare The monthly self-payment for pensioners or benefi-ciaries who are not yet eligible for Medicare will in-crease from $755 per month to $800 per month begin-ning January 1, 2014. Pensioners and beneficiaries whose local union has a Retired Employee Subsidy Account (RESA) and who are eligible for their local union’s RESA will continue to benefit from their Local Union’s subsidy of the cost of their coverage. If your Local Union plans to change the amount of the subsidy, you will be advised in a separate announcement.

Pensioners and beneficiaries WITH Medicare In keeping with the policy that retirees pay 50% of the cost of their coverage, the monthly self-payment for pensioners or beneficiaries who became eligible for Medicare before 2002 will increase from $250 per month to $265 per month effective January 1, 2014. For those pensioners or beneficiaries who become eli-gible for Medicare after 2001, the monthly self-payment cost for coverage will increase from $300 per month $315 per month effective January 1, 2014. Medicare-eligible Pensioners and beneficiaries whose local union has a Retired Employee Subsidy Account (RESA) and who are eligible for their local union’s RESA will continue to benefit from their Local Un-ion’s subsidy of the cost of their coverage. If your Lo-cal Union plans to change the amount of the subsidy, you will be advised in a separate announcement. Monthly Cost for Those Participating in NASI Welfare Fund through Participation Agreements The premium for the NASI Welfare Fund for those participating in the Fund through participation agree-ments (e.g. owner members) will remain $1,347.20 per month. REMINDERS Retiree Benefits and Medicare Medicare is the primary coverage for retirees, depend-ents of retirees and beneficiaries. The NASI Welfare Plan requires that individuals who are eligible for Medicare Part B benefits sign up for those benefits. Additionally, if an individual is not entitled to cost-free Medicare Part A, that individual must also pur-chase Part A coverage from Medicare when they be-come eligible to do so at age 65. Since Medicare does not pay for hospital or medical services outside of the United States, in order to have adequate coverage when traveling or living outside the United States, you need to purchase travel insurance or other medical insurance. The NASI Welfare Fund

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will not provide primary medical coverage for Medi-care-eligible individuals; instead, the Plan will limit its coverage to the amount the Plan would have paid on your behalf had you received those services in the United States. For example, if you are hospitalized in the United States, Medicare Part A pays all of the cost of the hospitalization but for the deductible ($1,184 in 2013). If you are, instead, hospitalized outside of the United States, the Plan will process your claim assum-ing your medical expense was $1,184 (i.e., the amount that would not have been covered by Medicare if the expense was incurred in the United States), and you will be responsible for the remainder of the charges unless you have travel insurance or other coverage.

Notification Requirement upon Divorce Notice of your divorce must be provided to the Fund office within 60 days of your divorce. If notice of your divorce is not provided to the Fund Office in this time frame, and as a result, benefits are paid to an ineligible dependent, the Fund can recover those benefits by treating such benefits as an advance to you, and deducting such amounts from benefits which become due to you until the entire amount of benefits erroneously paid is recovered.

Make Sure Your Beneficiary is Up-to-Date Be aware that your divorce does not invalidate your beneficiary designation. Forms to designate or change a beneficiary for your NASI Welfare Fund life insur-ance benefit as well as for your NASI Pension Fund death benefit (for active participants) and for your SIS Pension Fund death benefit are available on the Funds’ website, www.nasifund.org or by calling the Fund of-fice.

If You Become Entitled to Social Security Dis-ability Benefits you have to provide the Fund Office with a copy of your award within nine months of your receipt in or-der to fully benefit from Plan provisions that can re-store or continue eligibility for benefits. Annual Reminder (as required by federal law) re-garding Women’s Health and Cancer Rights Act of 1998 The NASI Welfare Plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides bene-fits for mastectomy related services, including all stag-es of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy, including lymphedema, Call the Fund Office at 1-800-638-2603 for more in-formation.

Summary of Benefits and Coverage The pages that follow this announcement are designed to meet requirements of the PPACA.

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NASI Welfare Fund: Level 1Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Important Questions Answers

In-Network: $400 person/ $1,200 family; Out-of-Network: $900 person/$2,700 family. Doesn't apply to preventive care, prescription drugs, dental or vision. Balance billing, excluded services, deductibles for specific services do not count toward the deductible.

Yes. Vision: $10 person; Dental: $75 person/$225 family. There are no other specific deductibles.Yes. In-Network: $2,900 person/ $12,700 family; Out-of-Network: $5,000 person.

Balance billing, health care this plan does not cover.

No.

Questions: Call 1-800-638-2603 or visit us at www.nasifund.org.If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary 1 of 8at www.dol.gov/ebsa/healthreform or call 1-800-638-2603 to request a copy.

Is there an overall annual limit on what the plan pays?

Are there other deductibles for specific services?

Is there an out–of– pocket limit on my expenses?

What is not included inthe out–of–pocket limit?

You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services.

The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses.

Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.

Coverage Period: 01/01/2014 - 12/31/2014

This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.nasifund.org or by calling 1-800-638-2603.

Why this Matters:

You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible.

What is the overall deductible?

Coverage for: Individual + Family | Plan Type: PPO

Limitations & Exceptions

-- None --

-- None --Chiropractic coverage limited to 20 visits per year

Subject to age and frequency guidelines

-- None --

-- None --

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25% coinsurance 45% coinsurance

Specialist visit

45% coinsurance

45% coinsurance45% coinsurance for chiropractor

45% coinsurance

If you visit a health care provider's office or clinic

Other practitioner office visit

25% coinsurance

25% coinsurance25% coinsurance for chiropractor

Primary care visit to treat an injury or illness

No chargePreventive care/ screening/immunization

If you have a test Imaging (CT/PET scans, MRIs)

Diagnostic test (x-ray, blood work) 25% coinsurance

Common Medical Event

Service You May Need

Some of the services this plan doesn’t cover are listed on page 5. See your policy or plan document for additional information about excluded services.

Are there services this plan doesn’t cover?

Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.

The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.)

No.Do I need a referral to see a specialist?

Yes.

Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan’s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven’t met your deductible.

You can see the specialist you choose without permission from this plan.

Your Cost if You Use an In-Network Provider

Yes. For a list of in-network providers, see www.nasifund.org, call 1-800-810-BLUE.

Your Cost if You Use an Out-of-Network

Provider

Why this Matters:Important Questions Answers

Does this plan use a network of providers?

This plan may encourage you to use in-network providers by charging you lower deductibles, copayments and coinsurance amounts.

If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers.

45% coinsurance

Limitations & Exceptions

-- None --

-- None --Includes medical screening and further medical examination and treatment required to stabilize the patientLimited to emergency transportation to or from the nearest hospital equipped to provide the required medical care-- None --Precertification is required-- None --

-- None --

Precertification is required

-- None --

Precertification is required

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If you need immediate medical attention

Emergency room services 25% coinsurance 25% coinsurance

Emergency medical transportation 25% coinsurance 45% coinsurance

Urgent care 25% coinsurance 45% coinsurance

Common Medical Event

Service You May NeedYour Cost if You Use

an In-Network Provider

Covers up to a 30-day supply (retail) and up to a 90-day supply (mail order); if you request a brand name drug when a generic equivalent is available, you will be charged the difference in the cost between brand-name drug and generic substitute; maintenance drugs purchased at retail are subject to reimbursement limitation; drugs obtained from an out-of-network pharmacy are limited to the in-network allowance; for specialty drugs you must use Medco's specialty pharmacy

If you have a hospital stay

Facility fee (e.g., hospital room) 25% coinsurance 45% coinsurancePhysician/surgeon fee 25% coinsurance 45% coinsurance

If you have mental health, behavioral health, or substance abuse needs

Mental/Behavioral health outpatient services 25% coinsurance 45% coinsurance

Substance use disorder outpatient services 25% coinsurance 45% coinsurance

25% coinsurance

Physician/surgeon fees

25% coinsurance

25% coinsurance

If you need drugs to treat your illness or condition

More information about prescription drug coverage is available at www.express-scripts.com.

25% co-insurance for preferred specialty drugs; 35% co-insurance for non-preferred specialty drugs

25% coinsurance

25% coinsurance

Your Cost if You Use an Out-of-Network

Provider

Preferred brand drugs

Generic drugs

Facility fee (e.g., ambulatory surgery center)

35% coinsurance

25% coinsurance

If you have outpatient surgery

25% coinsurance

Substance use disorder inpatient services

Not covered

45% coinsurance

45% coinsurance

Specialty drugs

Non-preferred brand drugs 35% coinsurance

45% coinsurance

Mental/Behavioral health inpatient services 25% coinsurance 45% coinsurance

Limitations & Exceptions

Prenatal care required by law will be covered without cost sharing. All other prenatal care services for non-spouse dependents are excluded. Postnatal care not covered for dependent childrenDelivery/inpatient services not covered for dependent childrenLimited to hemodialysis, IV therapy and physician visits-- None --You must pay 100% of these expenses, even in-network.-- None ---- None --Limited to a $150 daily maximum

Limited to 1 exam in a 12-month period unless more than 1 is medically necessary

Limited to 1 pair in a 12-month period unless more than 1 is medically necessary

-- None --

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Your Cost if You Use an Out-of-Network

Provider

25% coinsurance

25% coinsurance

Delivery and all inpatient services

Home health care

10% coinsurance

45% coinsurance

45% coinsurance

45% coinsurance

Not covered

45% coinsurance45% coinsurance45% coinsurance

Not covered

Not coveredNo charge

10% coinsurance

Not covered

25% coinsurance25% coinsurance25% coinsurance

Dental check-up

No charge

25% coinsurance

If your child needs dental or eye care

Skilled nursing careDurable medical equipmentHospice service

Eye exam

Glasses

Habilitation services

If you need help recovering or have other special health needs

Rehabilitation services

No charge for prenatal routine office visits; Postnatal care: 25% co-insurance

45% coinsuranceIf you are pregnant

Prenatal and postnatal care

Common Medical Event

Service You May NeedYour Cost if You Use

an In-Network Provider

Routine foot care Weight loss programs

Private-duty nursing (visiting nurses covered in home only, not in acute care setting) Routine eye care (Adult)

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The Affordable Care Act requires most people to have health care coverage that qualifies as “minimum essential coverage.” This plan or policy does provide minimum essential coverage.

Infertility treatment Long-term care

Chiropractic care (limited to 20 visits per year)

Dental care (Adult) (limited to $3,000 per year)

Non-emergency care when traveling outside the U.S.

Excluded Services & Other Covered Services:

Other Covered Services (This isn't a complete list. Check your policy or plan document for other covered services and your costs for these services.)

Services Your Plan Does NOT Cover (This isn't a complete list. Check your policy or plan document for other excluded services.)

Bariatric surgery Hearing aids (limited to $400 in a 5-year period; not covered for dependents)

Your Rights to Continue Coverage:If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while covered under the plan. Other limitations on your rights to continue coverage may also apply.

For more information on your rights to continue coverage, contact the plan at 1-800-638-2603. You may also contact your state insurance department, the U.S. Department of Labor, Employee Benefits Security Administration at 1-866-444-3272 or www.dol.gov/ebsa, or the U.S. Department of Health and Human Services at 1-877-267-2323 x61565 or www.cciio.cms.gov.

Your Grievance and Appeals Rights:If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact the plan at 1-800-638-2603. You may also contact the Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA (3272) or www.dol.gov/ebsa/healthreform.

Does this Coverage Provide Minimum Essential Coverage?

Acupuncture Cosmetic surgery (except to repair or alleviate damage resulting from or caused by injury, congenital defect or disfigurement related to disease)

Habilitation services

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–––––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next page.–––––––––––––––––––

Language Access Services:SPANISH (Español): Para obtener asistencia en Español, llame al 1-800-638-2603.TAGALOG (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-638-2603.CHINESE (中文): 如果需要中文的帮助，请拨打这个号码 1-800-638-2603.NAVAJO (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-638-2603.

Does this Coverage Meet the Minimum Value Standard?The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides.

Sample care costs: Sample care costs:Hospital charges (mother) $2,700 Prescriptions $2,900 Routine obstetric care $2,100 Medical Equipment and Supplies $1,300 Hospital charges (baby) $900 Office Visits and Procedures $700 Anesthesia $900 Education $300 Laboratory tests $500 Laboratory tests $100 Prescriptions $200 Vaccines, other preventive $100 Radiology $200 Total $5,400 Vaccines, other preventive $40 Total $7,540 Patient pays:

Deductibles $400 Patient pays: Copays $0 Deductibles $400 Coinsurance $1,220 Copays $0 Limits or exclusions $80 Coinsurance $1,180 Total $1,700 Limits or exclusions $150 Total $1,730

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Amount owed to providers: $5,400

Plan pays $3,700

Patient pays $1,700

Having a baby (normal delivery)

Managing type 2 diabetes (routine maintenance of

a well-controlled condition)

About these Coverage Examples:These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans.

This is not a cost estimator.

Don’t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different.

See the next page for important information about these examples.

Amount owed to providers: $7,540

Plan pays $5,810

Patient pays $1,730

Questions: Call 1-800-638-2603 or visit us at www.nasifund.org.If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary 8 of 8at www.dol.gov/ebsa/healthreform or call 1-800-638-2603 to request a copy.

Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and aren’t specific to a

excluded or preexisting condition.

ended in the same coverage period.

Questions and answers about the Coverage Examples:

No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor’s advice, your age, how serious your condition is, and many other factors.

There are no other medical expenses for

particular geographic area or health plan.

The patient received all care from in-network providers. If the patient had received care from out-of-network providers, costs would have been higher. No. Coverage Examples are not cost

estimators. You can’t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows.

All services and treatments started and

Can I use Coverage Examples to compare plans?

any member covered under this plan.Out-of-pocket expenses are based only

What does a Coverage Example show?

What are some of the assumptions behind the Coverage Examples?

on treating the condition in the example.Does the Coverage Example predict my future expenses?

For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn’t covered or payment is limited.

Yes. An important cost is the premiumyou pay. Generally, the lower your premium, the more you’ll pay in out-of-pocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses.

Yes. When you look at the Summary of Benefits and Coverage for other plans, you’ll find the same Coverage Examples. When you compare plans, check the “Patient Pays” box in each example. The smaller that number, the more coverage the plan provides.

The patient’s condition was not an Does the Coverage Example predict my own care needs? Are there other costs I should

consider when comparing plans?

Costs don’t include premiums.