Exhibit 2B
Arkansas Employee Benefits Program
Proposed Benefit Changes
Public School Employees

2002 Program Benefits
PPO In-Network
PPO Out-of-Network
HMO / POS In-Network
POS Out-of-Network
Presrciption Drug
$500.00 Ind / $1000.00 Fam. Deductable
 $1,500 Ind / $3,000 Fam. Deductable
 $0 Ind / Fam. Deductable
 $500 Ind / $1,000 Fam. OOP Max $10 Generic
20% Ind / Co-insurance
 40% Co-insurance
 $1,500 Ind / $3,000 Fam. OOP Max
 $5,000 Ind / $10,000 Fam. OOP Max $25 Brand Formulary
$3,000 Ind / $6,000 Fam. OOP Max $8,000 Ind / $16,000 Fam. OOP Max $25 PCP Copay / $35 SCP Copay
 PCP / SCP - 40% Coinsurance $50 Brand Non-formulary
OP Services - $100 Copay + 20% OP Services - 40% Coinsurance
IP Services - $500 Copay +20%
 IP Services - 40% Coinsurance
Dental Not Covered
 Dental Not Covered
Routine Vision Care Not Covered Routine Vision Care Not Covered
Preliminary Effect of Benefit Changes: 5.5% savings
Preliminary Effect of Benefit Changes: 9.0% savings
Peliminary Effect: 14.% savings
LEGEND:
Ind = Individual Fam. = Family OOP Max = Out-of-Pocket-Maximum
PCP = Primary Care Physician SCP = Specialist Care Physician
OP Services = Out-Patient Services IP Services = In Patient Services

Exhibit 3B

Arkansas Employee Benefits Program
PublicSchool Employees
Employee Contributions
* Employee out-of-pocket expenses based on $114.00 employer contribution
MEDICAL / DRUG /
BEHAVIORAL HEALTH
Active
Retired
Blue Cross PPO
• Employee Only
$128.15
$311.14
• Employee Plus Spouse
$532.18
$673.15
• Employee Plus Child(ren)
$309.34
$472.23
• Employee Plus Spouse and Child(ren)
$539.73
$677.96
• Retiree With Medicare
n/a
$311.14
Health Advantage HMO
• Employee Only
$109.07
$276.81
• Employee Plus Spouse
$478.98
$608.70
• Employee Plus Child(ren)
$275.01
$424.55
• Employee Plus Spouse and Child(ren)
$486.33
$613.31
• Retiree With Medicare
n/a
$276.81
Health Advantage POS
• Employee Only
$144.43
$286.46
• Employee Plus Spouse
$493.93
$626.82
• Employee Plus Child(ren)
$284.66
$437.95
• Employee Plus Spouse and Child(ren)
$501.35
$631.47
• Retiree With Medicare
n/a
$286.46
Qual Choice HMO
• Employee Only
$104.55
$268.67
• Employee Plus Spouse
$466.36
$593.92
• Employee Plus Child(ren)
$266.87
$413.25
• Employee Plus Spouse and Child(ren)
$473.68
$597.99
• Retiree With Medicare
n/a
$268.67
Qual Choice POS
• Employee Only
$120.79
$297.89
• Employee Plus Spouse
$511.65
$648.29
• Employee Plus Child(ren)
$296.09
$453.83
• Employee Plus Spouse and Child(ren)
$519.13
$653.01
• Retiree With Medicare
n/a
$297.89
  1. Medicare retiree enrollment included in Employee counts.
  2. Active employee contributions reduced by $38.00