Your 2013 Aetna Enrollment Guide

How it feels tomake the rightchoice.

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United offers plans and programsthrough Aetna, designed to protectyour health and quality of life.

The Build Your Own (BYO), SmartChoice and Aetna SelectSM medicalplans help you stay healthy and affordquality care when you are sick orinjured. The chart on the next pageshows the plans for which you are eligible.

The Aetna Dental MaintenanceOrganization® (DMO) plan covers a variety of dental services and offers the coordination of a primarycare dentist.

Why Aetna?Here are just some of the reasonsUnited chose Aetna, and why you’llthink Aetna is the right choice for youand your family.

National network, local presenceAetna maintains one of the nation’slargest provider networks, with morethan 1,000,000 health care professionalsand over 5,400 hospitals.* Most likely,the doctor(s), dentist(s) and otherproviders you currently use belong tothe Aetna network. If not, you cannominate them for membership. Justgo to www.aetna.com/united andcomplete the form. Not sure? Checkthe DocFind® directory or ask yourprovider if he/she belongs to theAetna network.*Aetna Enterprise Provider Database as ofAugust 2012.

Online resourcesThe Aetna Member Portal atwww.aetna.com/united is your single access point for a wealth ofonline services and tools. There youcan look up network providers, enteryour secure Aetna Navigator®

member website and find links to health and wellness programs. Turn to page 6 to learn more.

Annual Enrollment 2013:Making the Right Choice

Negotiated discounts We’ve negotiated discounts with allthe providers in our network, whichmeans you save money when youchoose them for your care.

Worldwide emergency coverageWhile traveling outside the network,including outside the country, you are covered for medical and dentalemergencies (subject to certain limitations).

Industry-recognized quality andcustomer service excellenceAetna is an experienced health careleader ready to serve you and yourfamily. Whether it’s an answer to abenefits question or help finding care,you have access to Aetna online, andby phone or e-mail.

To use DocFind®, visitwww.aetna.com/united. This customized directory will helpyou find medical and dentalproviders in the Aetna network. You also may call Aetna MemberServices at 1-800-334-0110.

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For more information about the Aetnaplan(s) for which you are eligible, go to Flying Together > Employee Services < Benefits and click on the Your Benefits Resources™ link. For answers and information about other United benefits, call the United Airlines Benefits Center at 1-800-651-1007, 7 a.m. to 7 p.m. CST, Mondaythrough Friday.

Welcome to your 2013 Annual Benefits EnrollmentOctober 1 to October 23, 2012

What to expect in 2013Continental Subsidiary co-workersThere are no changes to BYO medicalor Aetna DMO benefits in 2013. If you elect the BYO medical plan, yourpharmacy coverage will be offeredthrough Express Scripts®.*** Your disability benefits will now be offered through MetLife.

United Subsidiary Managementand Administrative co-workersThere are no changes to BYO or AetnaDMO dental benefits in 2013. Yourpharmacy coverage will continue to beoffered through Express Scripts.***

Your disability benefits will continue tobe offered through MetLife.

United Subsidiary Represented co-workers

Your Aetna Select medical and pharmacy benefits may change due to state mandates. Check with AetnaMember Services for details. There areno changes to the Aetna DMO plan. Your disability benefits will continue to be offered through MetLife.

***This year, Medco Health Solutions wasacquired by Express Scripts.

* Aetna Select available to AZ, CA, DC, FL, MA, MD, MN, MI, NC, NJ, NV, NY, PA, VA.** Includes Engineers, Maintenance Instructors, Flight Instructors and Chelsea Food Services employees.

Important! Are you in an active course of treatment?If you will be a new Aetna member and you or someone in your family are undergoing medical treatment with an out-of-network doctor for certain situations such as pregnancy beyond 24 weeks, chemotherapy or a recent surgery, you may be able to avoid disruption in care. Call Aetna Member Services at 1-800-334-0110 to ask for a Transition of Careform. If approved, you will be able to continue with your present doctor and receive in-network benefits for up to 90 days.

Build Your Own Aetna Select* Dental Discount Programsand Smart Choice See page 4 Maintenance See page 7See page 3 Organization

See page 5

Continental 4 4 4Subsidiary**

United Subsidiary 4 4 4Management and Administrative**

United Subsidiary 4 4 4Represented

Annual Enrollment is your time to review the plan options available and make the best choice(s) for you and your family.Your Aetna medical and dental plan options are shown in the chart below:

Medical Coverage for ContinentalSubsidiary and United SubsidiaryManagement and Administrative*OnlyBuild Your Own (BYO) and Smart Choice Plan Options

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The BYO plans allow you to pick the plan that is right for you. The Smart Choice plan option (detailed below) offers low premiums, low office visit copays, and is worth considering and comparing with the other plans to see if it’s right for you. The Smart Choice plan features a $15 PCP/$50 specialist copay, $1,000 individual/$3,000 family deductible with 80% coinsurance. The out-of-pocket maximum is $2,000 individual/$4,000 family.*Includes Engineers, Maintenance Instructors, Flight Instructors and Chelsea Food Services employees.

Benefit Your Plan OptionsOffice visit copay** Choose one:

1. $20 primary care/$25 specialist

2. $15 primary care/$50 specialist

Annual deductible Choose one:1. $0 individual/$0 family

2. $200 individual/$600 family

3. $500 individual/$1,500 family

4. $1,000 individual/$3,000 family

Coinsurance (for most services) Choose one:and out-of-pocket maximums*** You Pay Coinsurance Out-of-Pocket maximum

1. 0% 100% N/A

2. 5% 95% $1,000 individual/$2,000 family

3. 20% 80% $2,000 individual/$4,000 family

Outpatient surgery Coinsurance applies after deductible. (If you choose the $0 annual deductible option, you pay a$100 copay.)

Emergency room† $125 copay, then coinsurance applies after deductible. (Copay not waived if admitted.)

Inpatient admission Coinsurance applies after deductible. (If you choose the $0 annual deductible option, you pay a$250 copay.)

** Primary care includes pediatricians, family practice, internal medicine and Ob/Gyns. Copays help to meet the deductible and out-of-pocket maximum, but still apply after these are met.

*** When you meet your individual or family out-of-pocket maximum, your eligible expenses are covered at 100% for the remainder of the year for that individual or family.Copays and your annual deductible apply to the annual out-of-pocket maximum.

† For emergencies, please seek care immediately from the nearest emergency facility. Non-network care is covered for emergencies, but you or someone else must callAetna within 48 hours or as soon as possible.

Questions? Call Aetna Member Services at 1-800-334-0110 for:n Information about Build Your Own and out-of-country

coveragen Help with emergency transportation needs through the

National Medical Excellence Program®

n Help with claims, including collection issuesn Verifying whether a service or supply is covered

under the plan

In addition:n Ask about pharmacy coverage from Express Scripts

at 1-800-864-1425. Note: This year, Medco HealthSolutions was acquired by Express Scripts.

n Ask about mental health/substance abuse coverage at ValueOptions® 1-800-882-6501

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Medical Coverage for United Subsidiary Represented Co-workers OnlyAetna Select* — PCP and Referrals may be required

Step #1Choose a PCP n You can choose any PCP from the

Aetna Select network by visitingDocFind at www.aetna.com/united. Your PCP is the doctor you go to first.He or she will help you learn aboutyour health and how to manage it.

n Choosing a doctor is a personal decision — that’s why each memberof your family can have his or herown PCP.

n You can change your PCP anytime. Just call Aetna Member Services at 1-800-334-0110, or log in to theAetna Navigator® secure member website at www.aetna.com/united.

Step #3Pay your copay n After you visit your doctor, you will

have to pay a copay. This is a flat dollar amount or a percentage ofyour bill, depending on the design of your health benefit plan. Copaysvary by location.

n Through Your Benefits Resources,which can be accessed by going to Flying Together > EmployeeServices > Benefits, you can findthe covered services and copayments for medical, mental health/substanceabuse and pharmacy benefits covered by Aetna. Take a look to find out how much you will pay. Or, call Aetna Member Services at 1-800-334-0110 for more information.

Step #2Visit your PCP for caren Go to your PCP for checkups or

whenever you are sick or hurt.n Your PCP will help you decide

if you need care from another doctor. If so, your PCP will give you a referral.**

n Sometimes you may need care that requires approval from Aetnabefore your visit. Your PCP andother network doctors will ask for this approval for you.

Here’s an easy-to-use health benefits plan from Aetna. The plan lets you work one-on-one with your primary carephysician (PCP). When it comes to your health, nothing is better than getting personal care! It’s as easy as . . .

Helpful online toolsn Search the Aetna Preferred Drug

List for covered drugs and less costly alternatives.

n Find a participating pharmacy near you.

n Understand drug safety and how toprevent harmful drug interactions.

n Check the status of your claims andbenefits payments.

n Estimate prescription drug costs.

n See how much you could save if youswitched to a generic drug or usedthe mail-order delivery service.

You’ll also find answers to frequently asked questions.

Aetna Rx Home Delivery® service is a convenient way to fill and refill prescriptions for maintenance medications. n Get a 90-day supply sent to your

home or any location you choose.

n Depending on your plan, you maypay less by using this service. And,standard shipping is always free.

n Pharmacists check all prescriptions for accuracy and can answer questions anytime, night or day.

n Shipping is quick and confidential.

Aetna pharmacy plan tools and mail-order services located at www.aetna.com/united

*Aetna Select is available in AZ, CA, DC, FL, MA, MD, MN, MI, NC, NJ, NV, NY, PA, VA.**PCP referrals are not required in FL, MI and NC.

Aetna Dental Maintenance Organization: A Healthy BodyStarts with a Healthy SmileFor all United Co-workers, both subsidiary companies

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The benefits of good dentalcare don’t stop at yourmouthRoutine dental visits can help identifyother medical conditions. That’s whyregular visits to the dentist and a quality dental plan are some of yourbest defenses against illness and disease — in both the mouth andthe body.

The Aetna DMO plan provides generous coverage for preventive services that keep your teeth healthyand catch problems early. You’llselect a primary care dentist (PCD)from the Aetna network for yourselfand each covered family member.Your PCD will provide most of yourdental care and referrals to specialistswhen you need them.

In an EmergencyThe plan provides coverage for emergency dental services (such as pain relief) both in and out of theAetna network. You should always contact your PCDfirst for treatment. If you are treated by a non-networkdentist while more than 50 miles from home, the planwill cover emergency services up to $100, subject tostate requirements.

Questions?Want to know more about the Aetna DMO plan? Just call Aetna Member Services at 1-800-334-0110for help finding a dentist and answers to questionsabout coverage, claims, benefits and more.

Aetna DMO Benefits at a Glance

Plan Feature You Pay

Deductible $0

Annual benefit maximum None

Office visit copay $0

Preventive careOral exams, cleanings, fluoride, X-rays $0

Basic care 20%Root canals (anterior or bicuspids), fillings, simple extractions

Major care 40%Crowns, root canals (molars), surgery to remove impacted teeth, inlays and onlays,full and partial dentures

Orthodontic treatment 40%(child and adult)

Orthodontic deductible $0

Orthodontic lifetime benefit maximum None**No dollar maximum. One treatment per lifetime, which includes comprehensive treatment of 24 monthsactive treatment plus 24 months retention.

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The Benefits of Being an Aetna Member

Take advantage of powerful online tools and health and wellness programs

The Aetna Member PortalAt www.aetna.com/united, you can:

n Sign in to Aetna Navigator, yoursecure member website (see nextcolumn).

n Enter DocFind, the online providerdirectory customized for all Unitedco-workers. You can search formedical and dental providers andget information on patient safety,quality, and wellness programs available to Aetna members.Remember, you also may call Aetna Member Services at 1-800-334-0110 for help with network providers.

n Find contact information for AetnaMember Services and the UnitedAirlines Benefits Center.

n Learn about Aetna programs andservices such as the InformedHealth® Line, Women’s Health website, Heart/Stroke RecognitionProgram, alternative health care programs and more.

Aetna NavigatorAt the top of www.aetna.com/united,you’ll find a link to Aetna Navigator,your personalized member website.Here you can:n Use cost-of-care tools to get

estimated and actual provider fees,and prescription drug costs.

n View care you’ve received — and when — on your Health History Report.

n Look up claims and claim payments.n Print temporary member ID cards.n E-mail Aetna Member Services

for help with claim and benefitquestions, address changes andreplacement ID cards.

n Link to Aetna InteliHealth® andHealthwise® Knowledgebase for the latest health information.

n Learn about discounts on vision andhearing care, natural products andservices, fitness memberships andweight management programs.

n Use the SmartSourceSM searchengine to find all Aetna resourceson a given disease or condition.

To use Aetna Navigator, you’ll complete a simple registrationprocess. Ask Ann, Aetna’s virtualassistant, will be there to help withthis and more.

Aetna MobileDid you know? You can access Aetnafrom your smart phone or other web-enabled device. Just enterwww.aetna.com in your browserto find network providers, contactMember Services and more —wherever you go.

Call Aetna Member Services at 1-800-334-0110 for help with claim,benefit and coverage questions; ID cardrequests; and address changes.

Informed Health® Line (1-800-556-1555), a toll-free numberto call when you have a health question or concern.* The line isstaffed by experienced registered nurses who can provide informationand advice 24/7.

iTriage®, a free mobile and web app, lets you look up symptoms and conditions, find the right care and services, and make informed decisions. It features a nationwidedirectory of health facilities, givesturn-by-turn directions and even provides hospital ER wait times.

The Beginning Right® MaternityProgram, provides one-on-one support for expecting moms to helpthem stay healthy during pregnancyand deliver healthier babies. Get started by calling 1-800-CRADLE1 (1-800-272-3531).

MindBloom™, an online social,game, let’s you build a Life Tree withbranches that represent your goals insuch areas as health, lifestyle, andcareer, and helps you Grow the lifeyou want®.*The Informed Health Line is not intended toreplace a doctor visit or a doctor’s care. It can,however, give you answers about health conditions and medical procedures, and helpyou better communicate with your doctor.

Discount ProgramsStay healthy with savings that comewith your Aetna health plan:

n Aetna VisionSM discount programSave on eye exams, contact lenses,and prescription and non-prescriptioneyeglasses.

Health & Wellness Resources

Helping you stay well and live well

Health and dental benefits and insurance plans and policies are offered, underwritten or administered by Aetna Life Insurance Company, Aetna Dental Inc., Aetna Dental of California Inc.and/or Aetna Health Inc. For self-funded accounts, benefits coverage is offered by your employer,with only administrative services provided by Aetna Life Insurance Company. Not all health and dental services are covered. See plan documents for a complete description of benefits, exclusions,limitations and conditions of coverage. Providers are independent contractors and are not agents ofAetna. Provider participation may change without notice. Aetna does not provide care or guaranteeaccess to health services. Health information programs provide general health information and arenot a substitute for diagnosis or treatment by a physician or other health care professional. Discountprograms provide access to discounted prices and are NOT insured benefits. The member is responsiblefor the full cost of the discounted services. Plan features and availability may vary by location andare subject to change. For more information about Aetna plans, refer to www.aetna.com.

CCG CONTAIR-0003 (10/12) ©2012 Aetna Inc.

n Aetna FitnessSM discount programGet preferred rates on gym memberships in the GlobalFit network, home exercise equipmentand other healthy perks.

n Aetna Weight ManagementSM

discount programLose weight and save on today’smost popular weight-loss programsand meal plans, including eDiets®,Jenny Craig® and Nutrisystem®.

n Aetna Natural Products andServices SM discount programGet discounts on services and products through theChooseHealthy™ program.

n Aetna HearingSM discount programSave on hearing aids and examsthrough Hearing Care Solutions and HearPO®.

n And more!