2010 MEDICAL PLAN COMPARISON FOR NON-MEDICARE ELIGIBLE RETIREES OF by nvbc7n893

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									                                                                     2010 MEDICAL PLAN COMPARISON FOR NON-MEDICARE ELIGIBLE RETIREES OF LORAL

                                                                    CIGNA PPOR MEDICAL PLAN                                                 CIGNA CHOICE FUND                                                     CIGNA HMO                                       KAISER (must live in CA)

BENEFITS                                                                                                                   In-Network                                   Out-of-Network                         In-Network Only                                               HMO

NETWORK ACCESS                                                                                                              Choice of In-Network or Out of Network Benefits                                   In-Network Benefits                                    In-Network Benefits
PCP Requirement                                                               Not Required                                                     Not Required                                                         Required                                               Required
Deductible
                                             Single / Family                   $300/$600                                  $1,500 / $3,000                                $2,500 / $5,000                               N/A                                                    N/A
Health Reimbursement Arrangement (funded
                                                                                   N/A                                         $500 / $1,000 + Additional Employer Incentives                         HRA Card / Employer Incentives Only                    HRA Card / Employer Incentives Only
by Loral)
                                                                                20%
Co-Insurance Percentile                                         (100% for changes above Reasonable &                    Deductible, then 20%                           Deductible, then 40%                            N/A                                         N/A - Except where noted
                                                                             Customary)
Office Visit Copay
                                                                                                                                                                                                       Primary Care Physician (PCP): $25                      Primary Care Physician (PCP): $25
                                                                                                                                N/A                                            N/A
                                        Primary & Specialist                       N/A                                                                                                                          Specialist: $40                                        Specialist: $40

Out-of-pocket Maximum
(includes deductible and HRA offsets)
                                                                              $1,000/$2,000                               $5,000 / $7,500                                $7,500 / $10,000                        $1,000 / $2,000                                        $1,500 / $3,000
                                             Single / Family
Plan Maximum Benefit                                                           $1,000,000                                                       $1,000,000                                                          Unlimited                                              Unlimited
HOSPITAL SERVICES

- Hospital Copay

- Inpatient                                                               Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                    $250 per admission                                     $250 per admission
- Outpatient                                                              Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                        No Charge                                               $25 copay
Emergency Room Care (Medical Emergency)                                   Deductible, then 20%                                              Deductible, then 20%                                $150 copay (applies to hospital copay, if admitted)   $ 100 copay (applies to hospital copays, if admitted)
Urgent Care                                                               Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%     $75 copay (applies to hospital copay, if admitted)                         $25 copay
Routine Nursery Care                                                      Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                        No Charge                                              No Charge
Ambulance Service                                                         Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                        No Charge                                              No Charge
Physician Services (Including surgery)                                    Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                        No Charge                                No Charge(inpatient) / $25 (outpatient)
LAB & RADIOLOGY SERVICES
see also Preventive Care/Wellness


- Inpatient                                                               Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                        No Charge                                              No Charge

- Outpatient                                                              Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                        No Charge                                              No Charge
MENTAL HEALTH/SUBSTANCE ABUSE

- Mental Health Inpatient                                                 Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                    $250 per admission                                     $250 per admission
    Calendar Year Maximum                                            Subject to Mental Health Parity                                    Unlimited (same as medical)                                                 Unlimited                                              Unlimited
                                                                                                                                                                                                                                                                     $25 copay individual/
- Mental Health Outpatient                                                Deductible, then 20%                          Deductible, then 20%                           Deductible, then 40%                         $40 copay
                                                                                                                                                                                                                                                                       $12 copay group
    Calendar Year Maximum                                            Subject to Mental Health Parity                                    Unlimited (same as medical)                                                 Unlimited                                              Unlimited
- Substance Abuse Inpatient                                                                                                                                                                                    $250 per admission                                     $250 per admission
                                                                                                                                                                                                                    Unlimited                                              Unlimited
                                                                 Covered under Mental Health benefits                                 Same as Mental Health benefits                                                                                                 $25 copay individual
- Substance Abuse Outpatient                                                                                                                                                                                        $40 copay
                                                                                                                                                                                                                                                                       $5 copay group
                                                                                                                                                                                                                    Unlimited                                              Unlimited
PREVENTIVE CARE/ WELLNESS

Well Baby Care / Immunizations                                            Deductible, then 20%                          100%, No Deductible                                Not Covered                       $15 copay / No Charge                                  $15 copay / No Charge

                                                                 In-Network only: No Charge to $500 for
Annual Physical /                                                                                                                                        Deductible, then 40% to a maximum of
                                                               services performed during office visits only.            100%, No Deductible                                                             $25 or $40 copay (as applicable)                                   $25 copay
Preventive Gynecological Exam                                                                                                                                             $500
                                                                     Deductible, then 20% thereafter.

Routine Mammography /                                           Same as Annual Physical for each listed        Same as Annual Physical for each listed   Deductible, then 40% - Pap Test and                                                                          $25 copay.
                                                                                                                                                                                                                   No Charge
Annual Pap Test                                                              service.                                       service.                             Mammography Only                                                                     Mammograms are $0, as they fall under x-ray & lab
   This Medical Comparison is part of the Loral Summary Plan Description for purposes of stating deductibles, coinsurance, copayments, HRA awards for this plan year ONLY. It provides you with only a general summary of coverage. This document may be subject to
  change after carrier review and approval. For all programs summarized here, consult the Summary Plan Description and/or the Certificate of Coverage to determine governing contractual provisions, including procedures, exclusions, pre-certification requirements and
                                                                                                                 limitations related to these medical benefits.

                                                                                                                                                         Page 1 of 2                                                                                                                         11.17.2009
                                                             2010 MEDICAL PLAN COMPARISON FOR NON-MEDICARE ELIGIBLE RETIREES OF LORAL

                                                             CIGNA PPOR MEDICAL PLAN                                              CIGNA CHOICE FUND                                                          CIGNA HMO                                       KAISER (must live in CA)

BENEFITS                                                                                                           In-Network                                   Out-of-Network                            In-Network Only                                               HMO

OTHER COVERED SERVICES

Allergy Treatment

- Testing                                                         Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%                 $25 or $40 copay (as applicable)                                 $25 copay
- Injections                                                      Deductible, then 20%                              No Charge                                  Deductible, then 40%                 $25 or $40 copay (as applicable)                                  $5 copay
Skilled Nursing Facility                                          Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%                           No Charge                                              No Charge
                                                                         60 days                                                        60 days limit                                                         60 days limit                                         100 days limit
Home Health Care / Outpatient Nursing                             Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%                           No Charge                                              No Charge
                                                                      120 days limit                                                   120 days limit                                                          Unlimited                                          100 2 hour visits
Hospice Care                                                      Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%                           No Charge                                              No Charge
                                                                        Unlimited                                       No specific limits - Lifetime Maximum applies                                          Unlimited                                              Unlimited
Infertility Treatment (GIFT, ZIFT, etc.)
Note: Diagnosis and Treatment of Underlying                           Not Covered                                                      Not Covered                                                           Not Covered                                            Not Covered
Medical Condition is covered
Durable Medical Equipment                                         Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%                           No Charge                                              No Charge
Outpatient Short-Term Rehabilitation:                        60 visits - all services combined                                60 visits - all services combined                                                Unlimited                            Covered within 2 months of original condition
- Acupuncture / Acupressure
- Physical Therapy
                                                                  Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%                 $25 or $40 copay (as applicable)                                 $25 copay
- Pulmonary Rehab-Cardiac-Cognitive
- Occupational Therapy
- Restorative Speech Therapy
Chiropractic Services                                             Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%                 $25 or $40 copay (as applicable)                                 $15 copay
                                                      60 visits combined with Outpatient short Term      60 visits combined with Outpatient
                                                                                                                                                                     30 visits                             20 visits per year                                     40 Visits per Year
                                                                         Rehab                                    Short Term Rehab
Laser Vision Surgery                                              Deductible, then 20%                         Deductible, then 20%                            Deductible, then 40%
                                                                                                                                                                                                             Not Covered                                            Not covered
                                                                   $1,000 lifetime max.                                       $1,000 lifetime maximum benefit
PRESCRIPTION DRUGS

                                                        30 day supply: $10 copay for generic drugs & $25 copay for Preferred brand name drugs supply. Non-preferred brand name drugs subject to $50 copay. Pre-authorization may be                $15 copay for up to a 30 day supply for generic
- At Participating Pharmacy                              required for Differin**, Gleevec, Imitrex Nasal*, Innohep*, Iressa, Lariam, Lovenox*, Mararone, Mexavar, Relenza*, Retin-A**, Retin-A Micro**, Revatio, Sprycel, Stuent, Tamiflu*,     prescriptions $35 copay for up to a 30 day supply for
                                                      Tarceva, Tretin-X**, Vfend, Zyvox, Zomig Nasal*, Serostim & Growth Hormone prescriptions. * When quantity/cost exceeds certain limits. ** If prescribed to patients older than age 45.                  brand name prescriptions

                           Oral Contraceptives                                                                                                Covered                                                                                                                 Covered

                              Sexual Dysfunction                                                                                           Not Covered                                                                                                              Not covered

                                        Infertility                                                                                        Not Covered                                                                                                              Not covered

                                                                                                                                                                                                                                                   $30 copay for a 31 to 100 day supply for generic
                                                           90 day supply: 100% after $20 copay for generic drugs & $63 copay for Preferred brand name drugs supply. Non-preferred brand name drugs subject to $150 copay. Pre-
- Mail Order(Tel-Drug) Prescription                                                                                                                                                                                                            prescriptions and a $70 copay for a 31 to 100 day supply
                                                               authorization may be required for certain drugs; see www.cigna.com for details. Mandatory Mail Order after 3 consecutive prescription drug orders at the pharmacy.
                                                                                                                                                                                                                                                             for brand name prescriptions
VISION CARE BENEFITS
Vendor                                                                                                                          VISION SERVICE PLAN (VSP)                                                                                                              Kaiser
                                                                                                                  Exam, Lenses and Frames - once every 12 months                                                                                          Materials Once every 24 months
                                                                                            In-Network                                                                                  Out-of-Network

- Exam                                                                                 100% after $20 copay                                                                               $35 allowance                                                              $25 copay

- Lenses                                                                               100% after $40 copay                                                                      $25 to up to $80 depending on RX
                                                                                                                                                                                                                                                             $175 Allowance (combined)
- Frames                                                                                  $120 allowance                                                                                  $40 allowance
                                                                                                                                                                                                                                                                     No Charge
- Contacts - Necessary                                                                     Covered in full                                                                               $165 allowance
                                                                                                                                                                                                                                                   (voids coverage for glasses / elective contacts)
- Contacts - Elective                                                                      $120 allowance                                                                                 $95 allowance                                                            $175 Allowance
   This Medical Comparison is part of the Loral Summary Plan Description for purposes of stating deductibles, coinsurance, copayments, HRA awards for this plan year ONLY. It provides you with only a general summary of coverage. This document may be subject to
  change after carrier review and approval. For all programs summarized here, consult the Summary Plan Description and/or the Certificate of Coverage to determine governing contractual provisions, including procedures, exclusions, pre-certification requirements and
                                                                                                                 limitations related to these medical benefits.

                                                                                                                                                 Page 2 of 2                                                                                                                           11.17.2009
                 For Loral and Skynet retirees under age 65
                 and their families
                 Vol. 5 No. 1 · November 2009




                                                                                               wavelength
                                                                                                        for retirees under age 65



                 OPEN ENROLLMENT 2010
                 Open Enrollment is your opportunity to review your current benefit coverage and elect
                 the plan you want for you and your family for 2010. It is important that you evaluate
                 your options carefully before making your decision. The elections you make during Open
                 Enrollment are effective January 1, 2010, and they will remain in force throughout the
                 2010 calendar year, unless you have a qualifying life status event.




                                      As usual, we are making appropriate adjustments to our health care plans in 2010—including changes
                                      in the Choice Fund’s HRA allocations, coinsurance and out-of-pocket limit requirements; an increase
                                      in specialist’s office visit copays under the HMOs; and the elimination of coverage of infertility treatment.
THE RETURN OF                         Perhaps most significant, though, are the wellness incentives we are adding to plans for both active
HEALTHY HARRY                         employees and retirees that remove certain cost barriers to getting and staying well, the most valuable of
                                      which will be 100% coverage—no deductibles, no coinsurance, no copays—for certain In-Network
Healthy Harry is back!                preventive care procedures. Read about these and other changes in the following pages.
Look for Healthy Harry,
                                      We are pleased that Loral’s health care plan experience—and, accordingly, our manageable rate
Loral’s symbol of health and          increase—has been so positive. Thanks to all for the effort and attention you have made to keep us
wellness, throughout this             well-positioned.
issue of wavelength. He
                                      Keep up the good work. With the economic uncertainties we face, it is more important than ever to keep
appears wherever wellness
                                      a close eye on costs. Loral is committed to managing our health care programs in cost-effective ways.
is front and center, explaining       We’re counting on you to continue making smart health care decisions and healthier lifestyle choices so
valuable incentives for               we can maintain the positive trends.
taking preventive measures
and offering all kinds of
tips and steps we can take
to improve our health.                ENROLLMENT 2010
If Harry’s there, the focus is
wellness—and what you                 This year’s retiree enrollment period begins on Monday, November 23 and ends on Sunday, December 6 at midnight
can do to get healthier and           EST or 9:00 PM PST. If you want to make any changes in your benefit plan participation for 2010, you have
                                      until Sunday, December 6 at midnight EST or 9:00 PM PST to do so. To make changes or obtain enrollment forms,
stay that way (and save
                                      contact the Loral Retiree Service Center (www.loralrsc.com; 877-385-8480).
serious money while you’re
doing it).
                                                      No Action Is Required If:                            Active Enrollment Is Required If:
                                         • You want to keep the same coverage you have now.     • You want to adjust your current elections (e.g., switch from
                                         • You want to continue covering the same enrolled        the CIGNA Choice Fund to an HMO, or vice versa).
                                           dependents you have now.                             • You want to add or drop dependents from coverage.




                                                                                1
ONLINE TOOLS                 ANNUAL ENROLLMENT NEED-TO-KNOW
AND RESOURCES
LORAL RETIREE                General Changes for All Plans
SERVICE CENTER               These changes apply equally to all Company-sponsored health care plans for active employees and retirees under age 65
www.loralrsc.com             effective January 1, 2010:
email:
                             •    Coverage for treatment of mental health and substance abuse will be the same as for any other illness. The plans
woods.lora@ssd.loral.com          will stop applying annual limits on mental health and substance abuse therapy sessions and on inpatient care.
2010 ENROLLMENT              •    Coverage of “lifestyle” drugs will be discontinued. The plans will no longer cover Viagra, Cialis or other similar erectile
www.loralrsc.com                  dysfunction drugs. No benefits will be payable for lifestyle drug prescriptions filled on or after January 1, 2010.

CIGNA                        •    Coverage of infertility treatment will be discontinued. Treatment of infertility will no longer be an eligible expense
                                  in 2010 under any of our medical or prescription drug plans. However, if you or an enrolled dependent is undergoing
www.myCIGNA.com
                                  a course of treatment for infertility as of December 31, 2009 and that course of treatment will continue into
TEL-DRUG MAIL                     2010, coverage will continue according to 2009 plan provisions and limits until the course of treatment ends or
ORDER DRUGS                       December 31, 2010, whichever happens first. Please contact your medical plan administrator (CIGNA or Kaiser)
                                  directly to discuss transition of care for the continuation of treatment.
www.teldrug.healthcare.
cigna.com
                             CIGNA PPOR Plan
KAISER                       The only changes that apply to the CIGNA PPOR Plan effective January 1, 2010 are the three general changes for all plans
PERMANENTE                   described above.
www.kp.org

VISION CARE                  CIGNA Choice Fund
www.vsp.com                  The CIGNA Choice Fund Plan combines a high-deductible health plan with a Health Reimbursement Account (HRA). When
                             you incur eligible expenses, you pay them by first using the Company-provided dollars deposited in your HRA (Step 1 in the
                             illustration below), then by using money out of your own pocket (Step 2), until you reach the annual deductible. Once you
                             meet the annual deductible, your health coverage begins and you pay coinsurance: 20% for In-Network providers and 40%
                             for Out-of-Network providers (Step 3). However, once your coinsurance reaches the annual out-of-pocket limit, the Plan
                             pays 100% of your eligible expenses for the rest of the year.
                             Here’s what the HRA’s In-Network coverage will look like in 2010, with and without incentives:

                                                                                         $7,500 Out-of-Pocket Limit
                             $7,500
                                           HRA & Employee Payment
                             $7,000       Obligation Satisfied. No more
                                             expense to employee.
                             $6,500
                             $6,000
                             $5,500
                                             $5,000 Out-of-Pocket Limit               $4,500                    $4,500
                             $5,000
                                                                                                                             In-Network Out-of-Pocket Maximum for Employee Only coverage is
                             $4,500
                                                                                                                             $5,000 (HRA, Deductible and Coinsurance)
IF YOU FAIL
                             $4,000
                                                                                                                             In-Network Out-of-Pocket Maximum for Employee + 1 or Employee + 2
TO ENROLL
                             $3,500
                                                                                                                             or More coverage is $7,500 (HRA, Deductible and Coinsurance)
                                                                                                   $3,000
                                         $3,500                     $3,500                       Deductible
If you do not enroll when    $3,000                                                                                          To view your claims, Explanation of Benefits, HRA balances and
                             $2,500                                                                              $850        Out-Of-Pocket Maximums, check your personal CIGNA account at
you are eligible to do so,
                             $2,000                                                   $2,000
                                                                                                                             mycigna.com.
                                                      $1,500
                                                    Deductible
                             $1,500
it is assumed that you
                                                                     $400                                       $2,150
have elected to keep the     $1,000      $1,000                                                                    with
                                                                    $1,100                                      Incentives
                              $500                                                    $1,000
                                                                                                                                           Step 3–Employee Pays Coinsurance of 20%

                                                                      with
                                          $500
same coverage you                                                                                                                          Step 2–Employee Pays Remainder of Deductible
                                                                   Incentives
                                 $0
                                                                                                                                           Step 1–HRA Fund Pays

                                         Single                    Single       Family/Employee + 1 Family/Employee + 1
currently have. If you do
                                        Employee                  Employee         Employee + 1        Employee + 1
not enroll by December 6,                 Only                      Only           Employee + 2        Employee + 2

your next opportunity to                                S                             or More             or More


elect or change your
benefit elections will be
during next fall’s Open
Enrollment period, unless
you experience a qualified
life status event.


                                                                                  2
Here’s what’s changing in the CIGNA Choice Fund effective January 1, 2010:
• Health Reimbursement Account (HRA) allocations will decrease by $500 if you have Employee Only coverage and
   by $1,000 if you have Employee + 1 or Employee + 2 or More coverage. However, look for Healthy Harry to see how
   you may be able to restore your HRA allocations.
• Your coinsurance will increase from 15% In-Network and 35% Out-of-Network to 20% In-Network and 40% Out-of-Network.
   Participants whose 2010 expenses are high enough to exceed the annual deductible will pay a larger portion of those
   expenses.
• Out-of-pocket limits will increase as shown in the following chart:

                                           Annual Out-of-Pocket Limit Requirement
                                                  2009                                              2010
                                   In-Network            Out-of-Network              In-Network            Out-of-Network
        Single                        $4,000                  $6,000                     $5,000                    $7,500       NOTE FOR CIGNA
        Family                        $5,000                  $7,000                     $7,500                $10,000          CHOICE FUND
                                                                                                                                PARTICIPANTS
• The Plan will pay 100% of the cost for eligible preventive care services, provided you use In-Network providers. The          There are no fixed-dollar
  Plan will cover the following services in full, with no deductible, copays or coinsurance required, as long as they are       copays in the CIGNA
  considered routine preventive care:
                                                                                                                                Choice Fund. The amount
   I   well-child care and immunizations                                I   prostate-specific antigen (PSA) test                you have to pay out of
   I   adult annual physical exam (including x-rays and lab tests)      I   colonoscopy                                         your own pocket for a
   I   annual gynecological exam                                        I   hearing exam
                                                                                                                                doctor’s office visit, for
                                                                                                                                example, depends on
   I   annual PAP test                                                  I   bone-density scan
                                                                                                                                which step of the Plan
   I   mammogram                                                        I   other preventive and diagnostic tests.              you’re in—which is why
See the medical plan comparison charts and other information posted at www.loralrsc.com for more about preventive care          you should NEVER pay
guidelines.                                                                                                                     for your care at the time
                                                                                                                                you receive it. You should
                                                                                                                                wait for your Explanation
                         HEALTHY HARRY says: “All of these preventive services will be FREE to you and                          of Benefits (EOB) from
                         your dependents in 2010 when you stay In-Network for care. Now there’s no excuse                       CIGNA, followed by an
                         for failing to get an annual physical exam, a mammogram, or any other preventive                       invoice from your doctor’s
                         procedure that’s appropriate for you. Preventive care is about one thing: reducing your                office, to see if you have
                         health risks. Each exam you have—or test you take—reduces the risk of a potentially                    used all of your HRA
                         serious health condition developing and/or progressing undetected.”                                    funds yet. If you’re in
                                                                                                                                Step 1, you pay nothing
CIGNA HMO                                                                                                                       out of your own pocket
                                                                                                                                because you’d use HRA
Here’s what’s changing in the CIGNA HMO effective January 1, 2010:
                                                                                                                                funds to cover the cost.
• Office visit copays will increase from $25 to $40 for specialist visits. The office visit copay for primary care physicians   In Step 2, you pay the full
  will remain at $25 ($15 for well-child care).                                                                                 cost out of your own
• Hospital per-admission copays will increase from $200 to $250. You will pay the first $250 of eligible expenses each          pocket because you have
  time you are admitted to the hospital.                                                                                        no money left in your HRA
• Emergency room copays will increase from $100 to $150. You will pay the first $150 of eligible expenses each time             and you haven’t yet met
  you visit a hospital’s emergency room. This copay is applied to your admission copay if you are admitted as an inpatient      the deductible. In Step 3,
  to the hospital from the emergency room                                                                                       you pay 20% coinsurance
                                                                                                                                In-Network or 40%
• Urgent care facility copays will increase from $50 to $75. You will pay the first $75 of eligible expenses each time you
  visit a freestanding urgent care facility.                                                                                    coinsurance Out-of-Network
                                                                                                                                until you reach the annual
                                                                                                                                out-of-pocket limit.



                                                                                     3
HEALTHY HARRY says:                           Kaiser California HMO
“You can easily                               Here’s what’s changing in the Kaiser California HMO effective January 1, 2010:
restore your HRA
allocations to                                • Office visit copays will increase from $25 to $40 for specialist visits. The office visit copay for primary care physicians
their unreduced                                  will remain at $25 ($15 for well-child care).
levels simply by                              • Hospital per-admission copays will increase from $200 to $250. You will pay the first $250 of eligible expenses each
having an                                        time you are admitted to the hospital.
annual physical
exam in 2010. Loral will                      • Prescription drug copays will change. The copays for prescription drugs will increase, as shown on the following chart:
add $500 to your HRA if
either you or your spouse                                                       Kaiser California HMO 2010 Prescription Drug Copays
get an annual physical                                                                                  Retail (30-day supply)                Mail-Order (90-day supply)
exam, and will add $1,000                           Generic                                                      $15                                      $30
if both of you get exams.                           Brand-name                                                   $35                                      $70
Loral will make these
deposits to your HRA
whether you go                                HEALTHY HARRY says: “Regular dental checkups are important—and not just because
In-Network or Out-of-                         they help you keep a healthy mouth and a nice smile. Regular checkups can also
Network for your annual
                                              serve as an early warning system for heart disease, stroke, diabetes, pregnancy
physical exam. However,
                                              complications, pancreatic cancer and many other conditions that you want to identify
keep in mind that the
annual physical exam is                       as early as possible. Unhealthy teeth and gums have also been linked to an increased
free only if you use a                        risk of heart disease, vascular disease and diabetes. It’s usually a good idea
participating CIGNA                           to go for a checkup every six months.”
network doctor. If you go
Out-of-Network, your
annual physical exam will
                                              HRA AWARDS
be covered at 60% with                        Your Health Reimbursement Account (HRA) helps you pay for out-of-pocket medical expenses with Company-provided
no deductible required,                       funds. You can add to your HRA with the tax-free awards shown below.
up to a $500 annual
maximum benefit. To                                                CIGNA Choice Fund                                   CIGNA HMO & Kaiser Permanente of California
learn how you and your                          • $500 deposit to your HRA when you get an annual physical,        • $25 deposit to your HRA Card when you complete an online
spouse can earn extra                             as described further on page 3 (plus your exam is FREE             Health Assessment.
HRA awards ($100 for you                          when you see an In-Network doctor).                              • $25 deposit to your HRA Card when your spouse/domestic
plus $50 for your spouse),                      • $500 deposit to your HRA when your spouse/domestic                 partner completes the online Health Assessment.
see the HRA Awards chart                          partner or eldest dependent child gets an annual physical,
on this page.”                                    as described further on page 3 (plus your exam is FREE
                                                  when you see an In-Network doctor).
                                                • $50 deposit to your HRA when you complete the online
                                                  Health Assessment (this should be updated each year).
HEALTHY HARRY says:                             • $50 deposit to your HRA when your spouse/domestic partner
“Even if you’re in an                             completes the online Health Assessment.
HMO, you and your spouse                        • $50 deposit to your HRA when you complete the online
  can earn HRA awards                             Personal Health Record (if you set one up in 2008 or 2009,
    for completing                                you can’t do it again in 2010).
       an online Health                         NOTE: Any HRA deposits for completion of a Health Assessment are subject to compliance with the Genetic Information
       Assessment.”                             Nondiscrimination Act of 2008 (GINA). No deposits will be made if doing so would cause the Company to violate GINA provisions.
                                                You will be notified if this is the case.


                                              To take a Health Assessment, simply log onto either:
wavelength is published for all Retirees of   • www.mycigna.com (CIGNA participants) or
Loral Space & Communications, Inc. The
information in this wavelength issue,         • www.kp.org/healthylifestyles (Kaiser Permanente participants).
along with its attachments, are a
“summary of material modification” to the     As long as you complete and submit, or update, your carrier’s Health Assessment between January 1 and December 31, 2010,
Loral Medical Plan. Please keep in mind       you’ll receive the HRA award (subject to compliance with GINA as described in the chart above). Better yet, the Health
that the Board of Directors of the Plan
Sponsor may change the plan in the future.
                                              Assessment doesn’t cost you a dime. All information provided on the Health Assessment is completely confidential.

                                                                                         4

								
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