S&P Option

	Benefit Highlights

	Health

		Core Option

		Traditional Option

		Account-based Option

		Out of Area Option

		S&P Option

		DMO Dental Option

		McGraw-Hill Companies Dental Option

		Vision Coverage

	Spending Accounts

	Insurance

	Retirement and Savings

	WorkLife

S&P Option

UnitedHealthcare

1-866-328-6575
www.myuhc.com
Claims Office
P.O. Box 740800
Atlanta, GA 30374-0800

Medco Health Solutions, Inc.
1-800-807-5607
www.medco.com
Claims Office
P.O. Box 14711
Lexington, KY 40512

ValueOptions
1-800-544-8320
www.valueoptions.com
Claims Office
P.O. Box 1347
Latham, NY 12110

This indemnity option is available for eligible Standard & Poor's employees represented by the Newspaper Guild of New York who are employed by Standard and Poor's Financial Services LLC and are currently enrolled in this option. (The option is not open for new enrollments.)

This summary describes benefits in effect as of January 1, 2010 under the S&P Medical Option. The summary covers the major provisions of this medical choice. It does not provide complete details. You can find more information by calling the phone number listed in the address box.

Certain benefits and services in this Option are not provided by UnitedHealthcare. For additional details on those services, call the administrator at the phone number shown here.

Prescription drug benefits are provided through Medco Health, at 1-800-807-5607.

Mental health and substance abuse benefits are provided through ValueOptions, at 1-800-544-8320.

How the Plan Works


	Salary Range	Individual/Family
Annual Deductible	<$675 per week	$250 / $500
	$676-$1,299 per week	$300 / $600
	$1,300 or more per week	$350 / $700
	Salary Range	Individual/Family
Out-of-Pocket Maximum	<$675 per week	$3,000 / $6,000
	$676-$1,299 per week	$3,500 / $7,000
	$1,300 or more per week	$4,000 / $8,000
Advance Approval (Pre-Certification)	Pre-Certification is required for all hospital admissions. Call the administrator to arrange for pre-certification.
Caps
Annual	None
Lifetime	None

What the Option Pays


Services
Outpatient Care
Office visits	80% after deductible
Preventive Care: benefits are based on recommendations from the United States Preventive Services Task Force, although other preventive care services recommended by your physician, based on your family or medical history, may be covered as well.	80% after deductible
Laboratory Tests and X-rays	80% after deductible
Maternity Care	Prenatal doctor office visits: 80% after deductible Inpatient delivery and associated hospital care: 80% after deductible
Outpatient Surgery	80% after deductible
Emergency Care (approval required)
Ambulance	80% after deductible
Hospital Emergency Room	80% after deductible
Urgent Care	80% after deductible
Inpatient Care (approval required)
Room and board (semi-private); intensive care; covered inpatient services	100% after deductible
Pre-admission testing	100% with no deductible
Inpatient surgery	80% after deductible
Other Services
Home healthcare, extended care facility, or hospice care through discharge planning	100% after deductible; if not through discharge planning, 80% after deductible
Private duty nursing care	80% after deductible
Physical therapy, radiation therapy, speech therapy, occupational therapy, and chemotherapy	80% after deductible
Treatment recommended by Patient Management Services	100% after deductible
Chiropractic Care and Acupuncture	80% after deductible (visit limits may apply)
Durable Medical Equipment	80% after deductible; prior notification required on expenses over $1,000; $2,500 annual maximum
Infertility Testing	100% coinsurance with no deductible
In Vitro Fertilization	Not Covered
Prescription Drugs
Retail Pharmacy for up to one month's supply	At Medco Health Network Pharmacies: $10 copayment for generic drugs $15 copayment for formulary brand-name drugs $25 copayment for non-formulary brand-name drugs At Non-network Pharmacies: Option pays cost submitted less applicable copayment amount after separate $50 annual deductible.
Mail Order for up to a 90-day supply	100% after $20 copayment for generic drugs 100% after $30 copayment for formulary brand-name drugs 100% after $50 copayment for non-formulary brand-name drugs


Mental Health/Substance Abuse provided by ValueOptions
Service	In-network	Out-of-Network
EAP (Employee Assistance Program)	5 visits paid at 100% per problem per year with an Employee Assistance Professional. Counseling; beyond 5 visits with an EAP counselor is not a covered EAP benefit.	No out of Network EAP benefits.
Mental Health	Inpatient: Pre-Certification Required: 90% of ValueOptions (VO) fee schedule. Outpatient: $20 copayment. Outpatient Treatment Report due after the 8th visit if therapy is to continue beyond 10 visits.	Inpatient: Pre-Certification Required: 70% of VO fee schedule. Outpatient: 70% of VO fee schedule. Outpatient Treatment Report is due after the 26th visit if therapy is to continue beyond 26 visits.
Substance Abuse	Inpatient: Pre-Certification Required: 90% of VO fee. Outpatient: $20 copayment. Outpatient Treatment Report is due after the 8th visit if therapy is to continue beyond 10 visits.	Inpatient: Pre-Certification Required: 70% of VO fee schedule Outpatient: 70% of VO fee schedule. Outpatient Treatment Report is due after the 26th visit if therapy is to continue beyond 26 visits