SUMMARY PLAN DESCRIPTION (SPD) Effective July 1, 2006

BENEFIT SUMMARY  - NEW! 2008-09 Version

KALISPELL BENEFIT SUMMARY - 2008-09 Version

The mission of the Montana Unified School Trust is to provide the benefits provider of choice for your school employees’ group health plan. MUST provides multiple benefit plans, excellent customer service, cost-effective management, and a solid financial base. Benefit design options, coupled with multiple deductible selections, enable the educational community to tailor their plan(s) to local needs.

MUST plan options:

• Revised Major Medical Plan  This plan is similar to the Comprehensive Major Medical plan, with the addition of “first dollar” coverage (deductible waived) for doctor’s office visits, diagnostic X-ray and lab services, and chiropractic care. A range of deductible options is available.

• Comprehensive Major Medical Plan  This plan provides broad coverage with a range of deductible options.

• Catastrophic Medical Plan (no minimum employee participation required)
  The Catastrophic plan provides the same coverage as the Comprehensive Major Medical Plan but with a high deductible, for those who want protection in the event of a serious illness or injury.

• Basic Medical Plan (no minimum employee participation required)  
  The Basic plan provides reduced benefits and plan maximums for those who desire less coverage at a lower premium. This plan does not include pharmacy or chiropractic benefits.

• HSA-Qualifying High Deductible Health Plan (no minimum employee participation required)  This plan satisfies federal requirements for employees who wish to open a Health Savings Account (HSA). This plan provides broad coverage with a single deductible and out-of-pocket maximum for both medical and pharmacy charges.

In addition, ALL plans provide preventive (wellness) benefits with no deductible. This provides a tremendous value to all participants, encouraging them to obtain annual checkups, well-child care, and other preventive exams at little or no out-of-pocket expense. See the Preventive Benefits flyer for 2008-09!

Pharmacy Benefit Plan:  The Catastrophic, Comprehensive Major Medical, and Revised Major Medical plans have a separate pharmacy benefit with a $50 deductible per individual, and tiered copayments for generic, preferred, and non-preferred drugs.

The Basic plan and the Health Savings Account (HSA) qualified plan do not have a separate pharmacy benefit. Please note:

• If you are enrolled in the Basic plan, you pay for your own prescriptions.
• If you are enrolled in the HSA-qualified plan, you pay for your own prescriptions and may apply the cost toward your medical deductible. Once your medical deductible has been met, and your prescriptions are eligible for coverage the same as any other medical service.

Dental and Vision plans:  School districts may elect to include Dental coverage and/or Vision coverage with their medical plan.

The Summary Plan Description and Plan Amendments provide detailed information about covered services, plan limitations and exclusions, and eligibility for coverage under the MUST benefit plans.

The Benefit Summary is an easy-to-use reference guide to the benefits available in each MUST plan. This document is intended only as a summary and does not supersede the more detailed information provided in the Summary Plan Description.