b'Healthcare ElectionsGET TO KNOW YOUR MEDICAL OPTIONSAll plans offered through Carnegie provide care through a network of doctors, dentists, hospitals, pharmacies, laboratories and other providers.The Aetna Choice network is large and comprehensive. It consists of primary care physicians and specialists ranging from cardiologists, podiatrists, and OB/GYNs tooncologists,ophthalmologists,andorthopedists. Facilities such as hospitals, urgent care centers, and labs also belong to the network.The key to saving money and choosing the best plan for you and your family is to understand how the plans work and become an informed healthcare consumer. Make the most of your coverage and savings oppor-tunities.YOUR 2021 AETNAPLATINUM PLUS PLATINUM GOLDMEDICAL PLAN OPTIONS:PLATINUM PLUS PLATINUM GOLD Are willing to pay a higher monthlyWant great protection but do notWouldlikethelowestmonthlypremium, with lower out-of-pocketwant to pay the highest monthly premium in exchange for highercosts when you utilize services premium out-of-pocket costs when youYou or a family member expectsAre willing to pay modest copays use your benefitsto need extensive care throughout for most servicesPrefertomanageyourthe yearAre willing to pay the deductible healthcareexpensesthroughaPrefer to only pay a smalland coinsurance for more expen- triple tax-advantaged Health deductibleandthelowestsive services like hospitalization Savings Account (HSA)copaysfor In-Network services and MRIs4'