Managed Care provides an integrated benefit management program to control utilization, quality, and cost of medical care through case management and precertification of Hospital admissions and some outpatient surgical procedures. (See your Schedule of Benefits for your Plan's precertification requirements.)

This Plan is designed to provide early detection and intervention to help manage the large medical expenses in cases of serious Illness or Injury. The Third Party Administrator will identify appropriate cases and refer them to case management or to the Third Party Administrator's Physician reviewers. Recommended treatment plans will be evaluated and the Third Party Administrator's Physician reviewers will work with the Employee and the Covered Person's attending Physician to determine the most effective treatment plan. Services and supplies which are not covered benefits under this Plan may be covered if determined through case management to be Medically Necessary and cost effective for the specific condition being reviewed. This does not obligate the Company to cover these services or supplies for other Covered Persons or for the same Covered Person in situations other than the current treatment approved through case management.

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If your Plan offers cost-containment, outpatient surgery,
second-opinion surgery, preadmission testing, hospital
review, or prior authorization, you must comply with
guidelines or your payment of benefits will be reduced.
See Schedule of Benefits for your Plan's requirements.
This is very important.

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ORAL CONFIRMATION IS NEITHER A GUARANTEE OF HOW
A CLAIM WILL BE PROCESSED NOR THAT THE CLAIM IS PAYABLE.
ELIGIBILITY AND PAYMENT AMOUNT IS DETERMINED
ONCE THE SPECIFIC CLAIM IS RECEIVED.

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We are all aware of the financial disaster to a family which often occurs as a result of a serious or prolonged Illness or accident. The medical benefits outlined in this Summary Plan Description (SPD) provide protection for you and your eligible covered Dependents against such a disaster.

The benefits are designed to provide the best coverage possible within the financial limits of both the Company and you. The Plan is periodically reviewed to assure an adequate and reasonably-priced program is maintained.

The cost of this Plan is in direct proportion to the claims paid. Therefore, it is important that all Employees and their covered Dependents use the Plan wisely so the cost will remain affordable to all. Your Employer is self-funding this Plan.

Because the rapid rise of medical costs has everyone concerned, we, the Third Party Administrator, will be most diligent as to accuracy and qualification of claims payment. We will, on occasion, have to ask of you or your providers, verification and review information. Our job is to provide every dollar in benefit entitled to you under this Plan - but not one dollar more. We pledge to make that our goal so that your Plan can continue at the best benefit level - for the most economical cost.

The Third Party Administrator is not in the practice of medicine, but has broad discretionary authority to make determinations and decisions based on the Plan Document.

In addition to summarizing your benefits, the SPD also explains other important procedures; such as how you become eligible and how to file a claim.

IMPORTANT: Please read this Summary Plan Description thoroughly and become familiar with the provisions of the Plan. After you have read the SPD, keep this document with your other valuable papers for future reference. If at any time you have questions about your Plan, contact Phillips Administrative Service, Inc., P.O. Box 218, Albany, OR 97321, (541) 928-1717 or use the toll-free line, 1-800-356-9822. PAS, Inc., is available to assist you Monday through Friday from 7:00 a.m., Pacific Time, to 5:00 p.m., Pacific Time.

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