The $1,600 and $3,200 Deductible Plans and Surest Copay Plan

MMC Benefits Handbook

$1,600 and $3,200 Deductible Plans (1) self-insured and administered by Aetna or Anthem BlueCross BlueShield (Anthem BCBS) all States excluding Hawaii or (2) insured by Kaiser - CA, CO, GA, MD, VA, Washington and DC.

Surest Copay Plan: Administered by Surest – all States excluding Hawaii.

Medical Plans Available Under Each Third Party Administrator (Or Carrier with Respect to the Insured Programs)

Seven plan options form part of the Marsh & McLennan Companies Health & Welfare Benefits Program:

The Marsh & McLennan Companies $1,600 Deductible Medical Plan

The Marsh & McLennan Companies $3,200 Deductible Medical Plan

The Surest Copay Plan

Plan Number

501

Plan Type

This is a group medical plan.

Plan Year

The plan year is January 1 - December 31.

Plan Sponsor

The Plan Sponsor is:

Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036

Plan Administrator

The Plan Administrator is Marsh & McLennan Companies, Inc. Benefits Administration Committee and can be reached at:

Plan Administrator – Deductible Medical Plans and Surest Copay Plan
c/o Global Benefits Department – 31st Floor
1166 Avenue of the Americas
New York, NY 10036
Telephone: +1 212 345 5000

The Plan Administrator is responsible only for determining eligibility to participate in the plans.

Group Contract Number

Aetna - The group contract number is 868802.

Anthem BCBS - The group contract number is 270146.

Kaiser Permanente: - The group insurance contract number is by region as follows:

Southern CA: 232189

Northern CA: 604494

CO: 35660

GA: 10165

Oregon and Southwest Washington: 19847

VA/MD/DC: 23042

WA (Western Washington and Spokane area): 25988

Surest – The group contract number is 78800361

Source of Benefits Funding and Trustee

For Aetna, Anthem BCBS and Surest:

These plans are self-insured by the Company through contributions made jointly by the Company and participating employees. These contributions are held in the Marsh & McLennan Companies, Inc. Employer Funded Welfare Benefit Trust by the trustee:

The Bank of New York Mellon
135 Santilli Highway
Everett, MA 02149

Benefits are payable solely from the trust.

The Company has engaged the services of the Claims Administrators who are responsible for administering and processing claims for these self-insured plans, except with respect to eligibility to participate in the plans.

For Kaiser:

The plans are fully insured through Kaiser who administers and processes claims and is solely responsible for paying medical benefits.

Contributions are made by the Company and participating employees. These contributions are held in the Marsh McLennan Employer Funded Welfare Benefit Trust by the trustee:

The Bank of New York Mellon
135 Santilli Highway
Everett, MA 02149

Premiums are payable solely from the trust.

Claims Administrator

For filing a medical claim:

For Aetna:

Aetna
P.O. Box 981106
El Paso, TX 79998-1106
Phone: +1 866 210 7858

For precertification:

Aetna
Phone: +1 866 210 7858

For filing a retail prescription drug claim:

CVS Caremark

One CVS Drive

Woonsocket, RI 02895
Phone: +1 844 449 0362
Website: www.caremark.com
Group #: 21CW

For filing a mail-order prescription drug claim:

CVS Caremark
P.O. Box 659541

San Antonio, TX 78265-9541
Phone: +1 844 449 0362
Website: www.caremark.com
Group #: 21CW

For appealing a medical claim:

Aetna
Attn: National Account CRT
P.O. Box 14463
Lexington, KY 40512

For appealing a prescription drug claim:

CVS Caremark
P.O. Box 52084

Phoenix, AZ 85072-2084
Attn: Appeals Department MC 109
Claims Appeal Fax: +1 866 443 1172
Specialty Appeal Fax: +1 855 230 5548

For COBRA coverage:

My Benefits Service Center
Phone: +1 866 324 4087

For Anthem BCBS:

Anthem BCBS
Attn: Claims
P.O. Box 105187
Atlanta, GA 30348-5187
Phone: +1 855 570 1150

For precertification:

Anthem BCBS
Phone: +1 855 570 1150

For filing a retail prescription drug claim:

CVS Caremark
One CVS Drive
Woonsocket, RI 02895
Phone: +1 844 449 0362
Website: www.caremark.com
Group #: 21CW

For filing a mail-order prescription drug claim:

CVS Caremark
P.O. Box 659541

San Antonio, TX 78265-9541
Phone: +1 844 449 0362
Website: www.caremark.com
Group #: 21CW

For appealing a medical claim:

Anthem BCBS
Attn: Medical Appeals
P.O. Box 105568
Atlanta, GA 30348
Phone: +1 855 570 1150

For appealing a prescription drug claim:

CVS Caremark
P.O. Box 52084

Phoenix, AZ 85072-2084
Attn: Appeals Department MC 109
Claims Appeal Fax: +1 866 443 1172
Specialty Appeal Fax: +1 855 230 5548

For COBRA coverage:

My Benefits Service Center
Phone: +1 866 324 4087

For Kaiser:

Kaiser Customer Service Phone Numbers:


Region	Toll Free	TTY
Georgia	+1 888 865 5813	711
Northern California	+1 800 464 4000	711
Southern California	+1 800 464 4000	711
Oregon and Southwest Washington	+1 800 813 2000	711
Colorado	+1 800 632 9700	711
Virginia/Maryland/Washington, DC	+1 800 777 7902	711
Washington (Western Washington and Spokane area)	+1 888 901 4636	711

Claims Processing


Region	Address	Phone:
Kaiser Permanente – Northern CA	Kaiser Foundation Health Plan, Inc. P.O. Box 12923 Oakland, CA 94612	+1 800 464 4000
Kaiser Permanente – Southern CA	Kaiser Foundation Health Plan, Inc. P.O. Box 7004 Downey, CA 90242-0361	+1 800 464 4000
Kaiser Permanente – CO	Kaiser Foundation Health Plan of Colorado P.O. Box 373150 Denver, CO 80237-9998	+1 800 632 9700
Kaiser Permanente – GA	Kaiser Permanente P.O. Box 370010 Denver, CO 80237-9998	+1 888 865 5813
Kaiser Permanente – MAS (Virginia/Maryland/Washington, D.C.)	Kaiser Permanente P.O. Box 371860 Denver, CO 80237-9998	+1 800 777 7902
Kaiser Permanente – Oregon and Southwest Washington	Kaiser Foundation Health Plan of the Northwest Kaiser Permanente Claims Administration P.O. Box 370050 Denver, CO 80237-9998	+1 800 813 2000
Kaiser Permanente – Washington (Western Washington and Spokane area)	Kaiser Foundation Health Plan of Washington Kaiser Permanente Claims Administration P.O. Box 30766 Salt Lake City, UT 84130-0766	+1 888 901 4636

Appeals:


Region	Address	Phone:
Kaiser Permanente – Northern and Southern CA	Kaiser Foundation Health Plan, Inc. Special Services Unit P.O. Box 23280 Oakland, CA 94623	+1 800 464 4000
Kaiser Permanente – CO	Appeals Program Kaiser Foundation Health Plan of Colorado P.O. Box 378066 Denver, CO 80237-8066	+1 303 344 7933 +1 888 370 9858 Fax: +1 866 466 4042
Kaiser Permanente – GA	Kaiser Permanente Appeals Department Nine Piedmont Center 3495 Piedmont Road, NE Atlanta, GA 30305-1736	+1 404 364 4862 Fax: +1 404 364 4793
Kaiser Permanente – MAS (Virginia/Maryland/ Washington, D.C.)	Member Services Appeals Unit Kaiser Permanente 2101 East Jefferson Street Rockville, MD 20852	+1 301 468 6000 Fax: +1 301 816 6192
Kaiser Permanente – Oregon and Southwest Washington	Kaiser Foundation Health Plan of the Northwest Member Relations Department 500 NE Multnomah St., Suite 100 Portland, OR 97232-2099	+1 503 813 4480 Fax: +1 503 813 3985
Kaiser Permanente – Washington (Western Washington and Spokane area)	Kaiser Foundation Health Plan of Washington Member Appeals Department P.O. Box 30766 Salt Lake City, UT 84130-0766	+1 866 458 5479 Fax: +1 206 901 7340

For Surest:

For filing a medical claim:

Surest
P.O. Box 211758
Eagan, MN 55121
Phone: +1 866 683 6440

For precertification:

Surest
Phone: +1 877 237 0006

For filing a retail prescription drug claim:

CVS Caremark
One CVS Drive

Woonsocket, RI 02895
Phone: +1 844 449 0362
Website: www.caremark.com
Group #: 21CW

For filing a mail-order prescription drug claim:

CVS Caremark
P.O. Box 659541

San Antonio, TX 78265-9541
Phone: +1 844 449 0362
Website: www.caremark.com
Group #: 21CW

For appealing a medical claim:

Surest
Attn: Member Appeals Department

P.O. Box 211758
Eagan, MN 55121
Phone: +1 866 683 6440

For appealing a prescription drug claim:

CVS Caremark
P.O. Box 52084

Phoenix, AZ 85072-2084
Attn: Appeals Department MC 109
Claims Appeal Fax: +1 866 443 1172
Specialty Appeal Fax: +1 855 230 5548

For COBRA coverage:

My Benefits Service Center
Phone: +1 866 324 4087