Welcome to the Lumenos Georgia Health Insurance Plan

The Lumenos plan (the Lumenos plan) is an innovative approach to health benefits for eligible employees of the State Health Benefit Plan (the company). The Lumenos plan is an option under the State Health Benefit Plan (the Plan).

With the Lumenos plan, you have health coverage available to you for which you and the company share the cost. This coverage has three components designed to work together to provide you flexibility and control in choosing the health care services you and your family members receive and in choosing how the cost of these services is paid. Bottom line, the Lumenos plan is designed to help you - and your family - take control of your health care dollars and decisions.

The Lumenos Plan - In Brief

The components of the Lumenos plan are:

Health Reimbursement Account (HRA)

As a participant in the Lumenos plan, the company will make an annual allocation to your own Health Reimbursement Account (HRA). You can use this account to cover 100% of the cost of covered services, up to the accrued allocation in your account. Covered services include routine medical services (such as office visits and lab tests), and preventive care (such as health screenings and physicals).

Traditional Health Coverage

In addition to your HRA, the Lumenos plan offers Traditional Health Coverage to protect you and your family in case you have significant health care expenses or your expenses exceed your annual company allocation. This coverage is called Traditional Health Coverage, and is made available by your employer on a self-insured basis. This coverage takes effect after using your annual company allocation on covered services and paying your Bridge - a specified amount that you must pay out-of-pocket on covered health services. Any day and dollar limits associated with specific benefits under the Lumenos plan will only apply under the Traditional Health Coverage component, and not while you are in your Health Reimbursement Account and Bridge.

Online Health Site

To help you make the most out of your Lumenos plan coverage - and make the best use of your health care dollars - you'll have access to an online Health Site. The Online Health Site features a combination of financial tools and health tools to help you make informed decisions about your health care.

Before using your Lumenos plan benefits, you need to know - and understand - how the different components of the Lumenos plan work and how they work together to provide your health coverage. That's the purpose of this Plan summary. You should read it thoroughly and refer to it frequently. If you have any questions about how the Lumenos plan works, contact Customer Service at (866) 835-6863.

NOTE: Words and phrases within this document that are denoted with initial capitalization have the meaning ascribed to them within the document itself, or within the Terms to Know section.

About This Summary

This summary - a Summary Plan Description (SPD), provides information about the Lumenos plan option under the Plan effective January 1, 2006. For other terms and conditions related to the Plan, see the company's legal document describing the Plan.

The company reserves the right to amend or terminate the Lumenos plan at any time. You will be notified of any changes that affect your benefits, as required by federal law.