Officers Comprehensive Medical and Dental Choice Plans

Cost-effective, quality health care is a concern for all of us today. Without adequate medical coverage, the expenses resulting from an illness or injury can be a significant financial burden. The

for your immediate medical needs as well as protection against long-term or catastrophic health care costs. With Plan coverage, you can enjoy the security of knowing that you and your family are well prepared to meet most health care needs.

This booklet is the Plan document. It is also available at http://people.bah.com (accessible outside the firewall via https://secure.bah.com). This booklet explains who is eligible for coverage, when coverage begins and ends, what expenses are covered, and how to file a claim. In the back of this booklet you will find a glossary of significant definitions. You should familiarize yourself with the Plan and keep this booklet for future reference.

Although this booklet provides essential information about the Plan, you should understand that it is not a complete description of the insurance policy under which benefits are provided. If there is ever a conflict between this booklet and the insurance policy, the insurance policy will take precedence. If you have questions about the Plan, please contact your Human Resources Representative.

The benefits described in this booklet are provided under an insurance policy underwritten by Aetna Inc.

This section provides an overview of the key features of the Plan. See the pages that follow for further details, applicable limitations, and exclusions that are not shown here.

•* This plan is a separate plan, which covers only eligible officers of Booz Allen Hamilton Inc. The Plan is not a part of the Booz Allen Hamilton Inc. Employee Medical Plan, or any other medical plan covering non-officer employees of Booz Allen Hamilton Inc. or its affiliates.

Since the Medical Plan is fully insured by Aetna Inc., certain states mandate that benefits be offered to plan participants. If you reside in one of the following states, please see the State-Mandated Benefits Section of this booklet for additional benefits that may be available to you:

Under the Plan, you can access Aetna Navigator, an online tool that provides you with health and benefit information 24/7. You will have online access to: InteliHealth, Aetna’s consumer information Web site backed by Harvard Medical School; DocFind (provider directory) and up-to-date information on hospitals, physicians, and specialists; pharmacy benefits information (e.g., Rx Formulary and Aetna Rx Home Delivery to refill mail-order prescriptions). For personalized information, you can register for Aetna Navigator and gain access to Healthwise Knowledgebase, a comprehensive resource to help you make more informed health care decisions. When you register at www.aetna.com, you can perform a number of self-service functions related to your benefits plan such as claim status information, health information, and e-mail communication with Member Services.

A Plan identification card will be issued to you and each of your covered dependents. This card provides the Member Services Number, the Officer’s name, and unique identifier. Please note that Officers enrolling in Family coverage will be issued two identification cards, both of which will include the Officer’s name and unique identifier. Additional ID cards for dependent children are available upon request.

Anytime, day or night, 365 days a year, you can speak to a registered nurse to get information about your health questions. The registered nurse can provide you and your family with health information to help you make more informed health care decisions. You can also call to listen to your topic of interest confidentially through the audio health library. The number for Aetna’s Informed Health Line is ###-###-####.

Under the Plan, you have the opportunity to take advantage of special discount arrangements that Aetna has made available to Plan members. Go to www.aetna.com under Products and Programs for information in your geographic location.

The Vision One Program offers discounts on eyeglasses, contact lenses and Lasik—a laser vision corrective procedure, available through participating providers. Savings on non-prescription items, such as sunglasses, contact lens solutions and accessories are also available. To choose a Vision One Provider near you, and view program details, visit www.aetna.com or call the Vision Care service line at ###-###-#### with your questions. At the time of service, present your Aetna ID card to the optical staff and Vision One discounts will apply.

as free standard shipping. Go to www.aetna.com to find the most current listing of participating providers and vendors.

GlobalFit offers discounts on membership rates at independent health clubs contracted with GlobalFit. Go to www.globalfit.com/fitness or call ###-###-#### for more information.

NAP provides access to contracted rates for many medical claims from providers that are part of the National Advantage Program. For a list of providers participating in NAP, go to www.aetna.com.

Search for NAP providers under DocFind. Providers should bill Aetna directly for Covered Services. If your provider is in agreement, you should not make payment at the time of service. When the Provider submits the claim, Aetna will process it at the contracted rate (when applicable) and reflect the contracted amount on your Explanation of Benefits (EOB). You are responsible for any applicable non-covered service.

Knowing how to handle medical emergencies will not only help you and your dependents receive the care you (or they) may need, but it will also help you take full advantage of the coverage provided by the Plan.

The Plan covers emergency room services for conditions that reasonably appear to constitute an emergency, based on the patient’s presenting symptoms. An emergency medical condition is a medical condition manifesting itself by acute symptoms of sufficient severity (including severe pain) such that a prudent layperson, who possesses an average knowledge of health and medicine, could reasonably expect the absence of immediate medical attention to result in:

Emergency Room Services are covered at 100%.

Claims involving non-emergency use of the emergency room will be paid at 100%.

In an emergency, if possible, you should attempt to call your Physician, explain the symptoms, and provide any other important information. You should go, as soon as possible, to the nearest emergency facility, if:

The Plan covers urgent care if the services are medically necessary and immediately required because of unforeseen illness, injury, or condition and it is not reasonable given the circumstances to obtain the services through your Physician. Examples of urgent care needs include: respiratory or flu like symptoms with high fever, sprains or fractures, severe abdominal cramps, vomiting, or diarrhea.

For a list of Urgent Care Facilities near you, go to www.aetna.com. Under DocFind, search for Urgent Care Facilities. The urgent care facility or treating Physician should try to contact your Physician to allow the Physician to contribute to the treatment you require. If this is not possible, you should notify your Physician of the treatment received as soon as possible.

Members traveling overseas who need to contact Member Services may dial the Corporate Contact Center’s direct line: 860 ###-###-#### or can use the Toll free number on their ID card.

The Corporate Contact Center is available Monday – Friday, 7 a.m. – 7 p.m. EST. Members will be routed to a Service Center that handles their account.

Aetna’s National Medical Excellence (NME) Program was established to provide access to Physicians and Hospitals demonstrating continual achievement in the delivery of complex care when local care is not available. NME coordinates all solid organ and bone marrow transplants and other specialized care with nationally respected doctors and medical facilities. The Plan will pay a benefit for travel and lodging expenses between home and the medical facility for you and a companion if the medical facility is located more than 100 miles from your home. Lodging expenses cannot exceed the maximum of $50 per person per night. Expenses are subject to IRS Guidelines and are payable up to a maximum of $10,000 per episode, for all travel and lodging expenses.

Benefits will only be payable for such expenses incurred during a period which begins on the day you become an NME patient and ends either one year after the day the procedure is performed or, the date you cease to receive any services from the facility in connection with the procedure, whichever occurs first. Travel and lodging expenses do not include expenses incurred by more than one companion per night.

Note: Overseas members with acute illness should call NME at ###-###-#### during normal business hours. After hours, members with an acute illness may call ###-###-####. If you are treated outside the U.S., you must pay for the services up front and then submit the invoice to Aetna for reimbursement.

As a Booz Allen Officer, you are eligible for coverage if you are in a Covered Class. You are considered to be in a Covered Class if:

In addition to belonging to a Covered Class, to be eligible for coverage you must be either a:

The Plan does not cover temporary employees, contract consultants, and employees hired pursuant to an agreement providing that such employees shall not participate in the Plan.

As long as you are eligible for Plan coverage, your dependent(s) will be eligible for Plan coverage if they are:

Your children include:

________________________

Your dependents are not eligible for coverage if they are on active duty in the armed forces of any country. In addition, no person may be covered both as an employee and dependent and no person may be covered as a dependent of more than one employee.

There are only four periods of time during which you can enroll for coverage:

Federal law limits the types of coverage changes employers can allow employees to make to their medical plan elections during the year. Generally, you may make a change only if you experience a qualified status change that affects eligibility for coverage under the Plan, or in certain other limited situations such as a significant change in cost or coverage of a benefit option.

foster child who is your dependent. In this instance, the Plan will automatically change your benefit elections to provide coverage for the child. In the case of a child whom you are required to cover pursuant to a QMCSO, coverage will begin on the date specified in the order, or if none is specified, the date of the order. You may decrease your coverage for that child, if the court order requires the child’s other parent to provide coverage, and your spouse’s or former spouse’s plan actually provides that coverage. You may also make other corresponding changes to your benefit elections under the Plan, to the extent permitted by the Internal Revenue Code and the Plan.

Your change in coverage must be consistent with your qualified status change. In addition, your status change must cause a gain or loss of eligibility in the program or another employer’s plan, and your new election must correspond with the event. For example, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependent(s), provided you request enrollment within 31 days, after the marriage, birth, adoption, or placement for adoption.

If you experience a qualified status change, you must inform Booz Allen of your new election within 31 days of the change and provide proof of the change upon request. Otherwise, you will lose your

right to change your election—until open enrollment. Your new election shall take effect prospectively only, but not earlier than the date of the change in status.

A person, including yourself, will not be considered to be a Late Enrollee if all of the following are met:

In addition, you and any eligible dependents will not be considered to be Late Enrollees if the firm offers multiple health benefit plans and you elect a different plan during the open enrollment period.

Also, the following persons will not be considered to be Late Enrollees given any of the following circumstances:

31 days of the marriage, birth, adoption, or placement for adoption.

Coverage will be effective:

Your and your dependents’ medical and dental coverage will begin on the first day of active employment, the first day you are eligible to participate in the Plan, or the day of the Qualified status change, provided that you sign the benefit enrollment forms within 31 days from the date of the event. Newborns are automatically covered under the Plan for the first 31 days following their birth. For

coverage to continue beyond the first 31 days, you must enroll your newborn in the Plan. Please contact your Human Resources Representative for enrollment forms.

If you enroll for coverage for the first time during open enrollment, your coverage will begin on January 1 of the following year.

Your coverage under the Plan will end on the day after:

You and your dependents may also lose eligibility if your I.D. card is given to and used by a non- eligible person, or if you or your dependents supply incorrect or incomplete information to the firm or Aetna to receive coverage.

You or your dependents may be eligible to extend coverage through COBRA after the date the Plan would otherwise end. See page 41 for details.

Medical coverage may be extended, for up to 12 months, after the date that COBRA coverage would end if, on that date, the covered person is Totally Disabled from a sickness or injury and is under a Physician’s care. Dental coverage will be available while disabled for up to 12 months. The benefits will be available only if expenses are for covered services and supplies which have been rendered and received, including delivered and installed, if these apply, prior to the end of that 12 month period.

For the Dental Plan only, if coverage ends and the covered person is not Totally Disabled, expenses for dentures, fixed bridgework, and crowns will be deemed to be incurred when ordered. This applies only if the item is finally installed or delivered, no more than 30 days after coverage ends. “Ordered” means impressions have been taken from which the dentures, crowns, or fixed bridgework will be made and, as to fixed bridgework and crowns, the teeth must have been fully prepared if they will serve as retainers or support, or they are being restored.

The Plan gives you complete freedom to choose any Physician, Dentist or Hospital. There are no requirements for referrals or pre-certification.

You are not required to pay coinsurance and deductibles as part of the Plan.

The Medical Plan pays 100% of most eligible hospital charges and 100% of other eligible charges such as preventive and routine care, second surgical opinions, outpatient surgical expenses, National Medical Excellence travel and lodging expenses, and prescription drugs. All eligible charges are subject to Plan limitations, exclusions, and maximums.

There are specific lifetime maximums for the following benefits:

This section of the booklet explains the covered medical expenses. Refer to the “Plan-At-A-Glance” or “How the Plan Works” sections for details.

To be eligible for coverage under the Medical Plan, services and supplies must be considered Necessary and not Experimental or Investigational. (See “Glossary” and “What the Medical Plan Does Not Cover” for definitions of these terms.) All other applicable Medical Plan provisions and exclusions apply.

The prescription drug program covers prescriptions, including oral contraceptives and diaphragms, that are filled by a licensed pharmacist. Some injectables, such as insulin and injectable drugs used to treat infertility, are covered under the prescription drug program. The Medical Plan treats most other injectables as a medical service and supply and will cover eligible charges. Diabetic testing supplies (lancets and test strips) are covered. To receive testing supplies, a prescription from your Physician is required. Prescriptions for smoking cessation are also covered. Certain drugs such as Claritin are now available over the counter. Over-the-counter drugs are not covered by the Medical Plan.

Your prescription will be paid at 100% whether you choose to have your prescription filled at a participating Aetna pharmacy or at a non-participating pharmacy. If you choose to have your prescription filled at a participating Aetna pharmacy, you only need to show your Aetna identification card to the pharmacist and your prescription will be filled at 100%. Aetna contracts with most major pharmacy chains and some local pharmacies as well. For a list of participating Aetna pharmacies please refer to the Aetna web site at www.aetna.com.

If you choose to have your prescription filled at a non-participating pharmacy, you will need to file a claim for reimbursement.

Maintenance drugs can be purchased by ordering through Aetna Rx Home Delivery. To take advantage of the mail order benefit, you will need to complete a mail order form along with your original prescription(s). Be sure your Physician has specified more than a 30 day supply on your prescription.

After the initial form has been submitted, you can order refills online at http://www.aetnarxhomedelivery.com, call in refills at ###-###-####, or mail request for a refill. New prescriptions must be mailed. Prescription orders are typically processed and shipped via U.S. mail within a few days for all prescriptions that do not require additional information. When requesting medications by mail, make sure you order a refill about 14 days before your medicine runs out to allow sufficient time for processing the order. Keep in mind there is an additional expense for overnight delivery of medications, which will be charged to you. If you need a mail order form, please go to http://people.bah.com (accessible outside the firewall via https://secure.bah.com).

The Plan covers eligible charges for routine physical exams for you and your dependents. (A routine physical exam is a medical exam given by a Physician for a reason other than to diagnose or treat

an injury or disease.) Expenses covered include x-rays, laboratory, immunizations for infectious disease, testing for tuberculosis, and other tests given in connection with the exam.

The Plan covers eligible charges for a complete eye exam, including refraction, which is furnished by a legally qualified ophthalmologist or optometrist.

The Plan covers eligible charges for an audiometric exam given by a certified otolaryngologist or otologist; or a qualified audiologist who performs the exam at the written direction of the otolaryngologist or otologist.

The Plan covers screening for cancer of the prostate for males age 40 and above, including a digital rectal exam, and a Prostate Specific Antigen (PSA) test.

The Plan covers eligible charges for routine mammograms according to the schedule below.

The Plan covers eligible charges for obstetrical and gynecological services including routine GYN visits, pap smears and gynecological problems.

Benefits are payable for pregnancy-related expenses and newborn nursery baby care. For Hospital inpatient care, there is a minimum of 48 hours following a vaginal delivery; and a minimum of 96 hours following a cesarean delivery. If discharged sooner, benefits will be payable for 2 post-delivery home visits by a health care provider.

The Plan also pays for charges made by a Birthing Center to include pre-natal care, delivery, and post- partum care rendered within 24 hours after the delivery. Charges for the initial post-delivery home visit will be paid at 100%.

The Plan covers seven routine well baby care visits (exams and immunizations) in the first 12 months of your child’s life, and two visits in the 13th – 24th month of your child’s life, for reasons other than to diagnose or treat an injury or disease.

The charges made for the diagnosis and/or treatment of the underlying cause of infertility may be included as Covered Medical Expenses. Examples of these charges include but are not limited to:

In addition, the following services and supplies, even though they are not incurred in connection with the diagnosis or treatment of a disease or injury, furnished to you or your spouse, are eligible charges, but only if:

12 months; or provides a Physician’s certification that a physical disorder caused the infertility.

The procedures must be performed in medical facilities that conform to guidelines set forth by the American College of Obstetrics and Gynecology or The American Fertility Society.

Expenses that are not covered include charges for:

The Medical Plan covers eligible charges for the treatment of mental disorders. A mental disorder is understood to be a disease whether or not it has a physiological or organic basis. Treatment is provided by or under the direction of a mental health professional such as a psychiatrist, a psychologist or a psychiatric social worker. A mental disorder includes, but is not limited to, schizophrenia, bipolar disorder, autism, panic disorder, major depressive disorder, psychotic depression, and obsessive compulsive disorder.

Medical expenses related to the effective treatment of substance abuse are covered if they are for a program of alcoholism or drug abuse therapy that is prescribed and supervised by a Physician and either has a follow-up therapy program directed by a Physician on at least a monthly basis or includes meetings at least twice a month with organizations devoted to the treatment of alcoholism or drug abuse. Treatments that are not covered include:

Outpatient coverage is limited to 60 visits per calendar year, including 20 family visits. Intensive outpatient care (3 - 5 hours per day in a treatment facility) is considered one outpatient visit.

Acupuncture by a certified acupuncturist will be provided if it is used as a form of anesthesia in connection with surgery that is covered under the Plan, to treat a disease or injury, or to alleviate chronic pain.

Allergy serum, allergy injections and injectable drugs.

Ambulance use to transport a person from the place where he or she is injured or stricken by disease to the first Hospital where treatment is given.

Anesthetics and oxygen.

Artificial limbs and eyes as well as larynx, heart pacemakers, casts, splints, trusses, and braces. Not covered are eye glasses, vision aids, communication aids, and orthopedic shoes, foot orthotics, or other devices to support the feet.

Blood and blood plasma—Aetna covers medically necessary transfusion of blood and blood products, regardless of type.

Chemotherapy, or treatment by X-ray, radium, or any other radioactive substance.

Contraceptives covered under the prescription drug program and drugs and devices not obtainable at a pharmacy.

Convalescent facility—Convalescent care is provided by a convalescent facility on an inpatient basis to patients recovering from a disease or injury. Expenses include room, board, X-ray and lab work; physical, occupational or speech therapy; oxygen and other gas therapy; and other medical services.

Confinement in a convalescent facility is covered when:

This section does not cover charges made for treatment of:

Cosmetic surgery only if needed to correct the result of an accident, treat a condition that impairs the function of a body organ, or reconstruct a breast after a mastectomy. See Reconstructive Surgery on page 19.

Dental expenses for the treatment of the mouth, jaws, and teeth are Covered Medical Expenses, but only those for services rendered and supplies needed for the following treatment of or related to conditions of the:

For these expenses, physician includes a dentist. Surgery needed to:

Non-surgical treatment of infections or diseases. This does not include those of or related to the teeth.

Dental work, surgery, and orthodontic treatment needed to remove, repair, replace, restore, or reposition natural teeth damaged, lost, or removed; or other body tissues of the mouth fractured or cut due to injury. Any such teeth must have been free from decay; or in good repair; and firmly attached to the jaw bone at the time of the injury.

The treatment must be done in the calendar year of the accident or the next one if crowns (caps); or dentures (false teeth); or bridgework; or in-mouth appliances are installed due to such injury, Covered Medical Expenses include only charges for:

Donors, including any of the medical services and supplies listed here that are required for an organ, sperm, or egg donor as a result of a surgical transplant procedure. This applies whether the covered person is the donor or the recipient of the transplant. In the case of a covered person who is the recipient of the transplant, both of the following will apply:

Durable medical and surgical equipment in lieu of rental. The initial purchase of such equipment is appropriate if Aetna is shown that long term care is planned, and that such equipment either cannot be rented or is likely to cost less to purchase than to rent. Repair of purchased equipment or replacement of purchased equipment is also covered if Aetna is shown that it is needed due to a change in the person’s physical condition, or it is likely to cost less to purchase a replacement than to repair existing equipment or to rent like equipment.

Durable medical and surgical equipment means no more than one item of equipment for the same or similar purpose, and the accessories needed to operate it, that is: made to withstand prolonged use; made for and mainly used in the treatment of a disease or injury; suited for use in the home; not normally of use to persons who do not have a disease or injury; not for use in altering air quality or temperature; not for exercise or training. Not included is equipment such as: whirlpools; portable whirlpool pumps; sauna baths; massage devices; overbed tables; elevators; communication aids; vision aids; and telephone alert systems.

Family planning expenses for a vasectomy for voluntary sterilization; a tubal ligation for voluntary sterilization; and voluntary abortions.

Glucose strips and lancets for persons who are insulin dependent whether or not they are diagnosed with diabetes.

Hearing aids are covered up to a maximum of $1,000 each ear per 36 month period.

Home health care expenses if the charge is made by a Home Health Care Agency, and the care is given under a Home Health Care Plan, and the care is given to a person in his or her home. Home health care expenses are charges for: part-time or intermittent care given or supervised by an R.N.; part- time or intermittent home health aide services for patient care; Physician, occupational, and speech therapy from a Home Health Care Agency; the following to the extent they would have been covered under this Plan if the person had been confined in a Hospital or skilled nursing facility as defined in Title XVIII of the Social Security Act: medical supplies; drugs and medications prescribed by a Physician; and lab services provided by or for a Home Health Care Agency. Each four hours of home health aide services is one visit. Not covered are charges for transportation and custodial care.

Hospice care and bereavement counseling expenses furnished to a terminally ill person for Hospice Care when given as a part of a Hospice Care Program.

Facility expenses—The charges made in its own behalf by a Hospice Facility, Hospital, or Convalescent Facility which are for board and room and other services and supplies furnished to a person while a full-time inpatient for pain control and other acute and chronic symptom management.

Other expenses—The charges may be a Hospice Care Agency for part-time or intermittent nursing care by an R.N. or L.P.N. for up to 8 hours in any one day; medical social services under the direction of a Physician. These include assessment of the person’s social, emotional and medical needs; the home and family situation; identification of the community resources which are available to the person; and assisting the person to obtain those resources needed to meet the person’s assessed needs; psychological and dietary counseling; bereavement counseling; consultation or case management

services by a Physician; physical and occupational therapy; part-time or intermittent home health aide services for up to 8 hours in any one day. These consist mainly of caring for the person, medical supplies, drugs and medicines prescribed by the Physician.

Charges made by the providers below (but only if the provider is not an employee of a Hospice Care Agency and such Agency retains responsibility for the care of the person): a Physician for consultant or case management services, a physical or occupational therapist, a Home Health Care Agency for physical and occupational therapy, part-time or intermittent home health aide services for up to 8 hours in any one day. These consist mainly of caring for the person, medical supplies, drugs and medicines prescribed by a Physician, and psychological and dietary counseling.

Not included are charges made for funeral arrangements; for pastoral counseling; for financial or legal counseling including estate planning and the drafting of a will; for homemaker or caretaker services such as sitter or companion services for either the person who is ill or other members of the family; for transportation; for housecleaning and maintenance of the home; and for respite care furnished during a period of time when the person’s family or usual caretaker cannot, or will not, attend to the person’s needs.

Hospital room and board charges at the semiprivate rate. If a private room is used, the daily charge will be covered if the person’s Physician requests the private room and the request is approved by Aetna.

Inpatient hospital expenses—Charges made by a hospital for giving board and room and other hospital services and supplies to a person who is confined as a full-time inpatient. Not included is any charge for daily board and room in a private room over the Private Room Limit.

Outpatient hospital expenses—Charges made by a hospital for hospital services and supplies which are given to a person who is not confined as a full-time inpatient.

Injectables not covered by the pharmacy benefit.

Outpatient surgical expense charges made in its own behalf by a surgery center or the outpatient department of a Hospital; or by a Physician for outpatient services and supplies furnished in connection with a surgical procedure performed in the center or in a Hospital. The procedure must meet these tests: it is not expected to result in extensive blood loss, require major or prolonged invasion of a body cavity, or involve any major blood vessels. It can safely and adequately be performed only in a surgery center or in a Hospital, and it is not normally performed in the office of a Physician or a Dentist.

Outpatient services and supplies furnished by the surgery center or by a hospital on the day of the procedures:

No benefit is paid for charges incurred for the services of a Physician who renders technical assistance to the operating Physician or while the person is confined as a full-time inpatient in a Hospital.

Physical or occupational therapy, up to 90 combined visits provided by a physical or occupational therapist, which is expected to result in the improvement or maintenance of a body function, which has been lost or impaired due to an injury, a disease, or a congenital defect. Not covered are any services, unless they are provided in accordance with a specific treatment plan, which details the treatment to be rendered and the frequency and duration of the treatment and provides for ongoing reviews and is renewed only if therapy is still necessary.

Private duty nursing care provided by an R.N. or L.P.N. will be covered, if the care is not mainly custodial, and:

Benefits will not be paid during a calendar year for private duty nursing for any shifts in excess of the Private Duty Nursing Care Maximum Shifts. Each period of private duty nursing of up to 8 hours will be deemed to be one private duty nursing shift.

Reconstructive Surgery expenses for:

Second Surgical Opinion charges of a Physician for a second surgical opinion on the need or advisability of performing a surgical procedure. A benefit is also paid for charges made for a third surgical opinion. This will be done when the second opinion does not confirm the recommendation of the first Physician who proposed to perform the surgery. A surgical opinion is an exam of the person, an X-ray and lab work and a written report by the Physician who renders the opinion. The surgical opinion must both be performed by a Physician who is certified by the American Board of Surgery, or other specialty board and takes place before the date the proposed surgery is scheduled to be done. Benefits are not paid for a surgical opinion if the Physician who renders the surgical opinion is

associated or in practice with the first Physician who recommended and proposed to perform the surgery.

Short-term rehabilitation—includes charges for Developmental Delay with the same terms and conditions as for other diagnoses.

Speech therapy* charges incurred up to 90 visits for the following services for diagnostic or nonsurgical treatment of loss or impairment of speech. Covered medical expenses include:

Not included are charges for special education to teach a person whose ability to speak has been lost or impaired to function without that ability. This includes lessons in sign language.

Sperm banking is covered in the case of testicular cancer only. Sperm collection and storage will be paid for by the Plan.

Spinal disorder treatment covers manipulative (adjustive) treatment or other physical treatment of any condition caused by or related to biomechanical or nerve conduction disorders of the spine. The treatment can be given by a Physician or a licensed chiropractor. The calendar year maximum does not apply to expenses incurred while the person is a full-time inpatient in a Hospital for treatment of scoliosis; for fracture care; or for surgery. This includes pre- and post-surgical care given or ordered by the operating Physician.

Transplants—Solid organ and bone marrow transplants will be covered if they meet the definition of Necessary and are not considered Experimental or Investigational as defined in the “What the Plan Does Not Cover” section of this document.

The following expenses are not covered:

Blood or blood plasma that is replaced by you or by someone else for you. Aetna does not cover the collection or storage or cost of blood or blood plasma.

Charges made by the employer or a close relative including charges for a service or supply furnished by your employer, or you, your spouse or domestic partner, or a child, brother, sister, or parent of you or your spouse or domestic partner.

____________________________

Cosmetic surgery, except to correct the result of an accidental injury sustained while you are covered under the Plan; to treat a condition, including a birth defect, that impairs the function of a body organ, or reconstruct a breast after a mastectomy. See Reconstructive Surgery.

Custodial care—Services and supplies are considered custodial when they are furnished mainly to train or assist the insured family member in personal hygiene and other activities of daily living rather than to provide therapeutic treatment.

Dental except as provided for injury, not included are charges:

Not included are charges:

However, educational services or supplies may be covered for training in the activities of daily living if they are directly related to treatment of a sickness or injury that resulted in a loss of a previously demonstrated ability to perform those activities.

Education or special education or job training whether or not given in a facility that also provides medical or psychiatric treatment.

Eyeglasses or lenses of any type (except initial replacements for loss of the natural lens).

Experimental or investigational—a drug, a device, a procedure, or treatment will be determined experimental or investigational if Aetna determines that:

However, this exclusion will not apply with respect to services or supplies (other than drugs) received in connection with a disease, if Aetna determines that: (1) the disease can be expected to cause death within one year, in the absence of effective treatment; and (2) the care or treatment is effective for that disease or shows promise of being effective for that disease as demonstrated by scientific data. In making this determination Aetna will take into account the results of a review by a panel of independent medical professionals. They will be selected by Aetna. This panel will include professionals who treat the type of disease involved.

Also, this exclusion will not apply with respect to drugs that: (1) have been granted treatment investigational new drug (IND) or Group c/treatment IND status; or (2) are being studied at the Phase III level in a national clinical trial sponsored by the National Cancer Institute; if Aetna determines that available scientific evidence demonstrates that the drug is effective or shows promise of being effective for the disease.

Foot orthotics (shoe inserts), orthopedic shoes, or other devices to support the feet.

Government plans—for those services and supplies:

Hearing exams not included are charges for:

Infertility caused by voluntary sterilization or a hysterectomy.

Payment that you are not legally required to pay includes, but is not limited to, all charges for services or supplies for which the provider has agreed to accept any benefits payable under the Plan as full payment for those charges.

Private duty nursing does not include that part or all of any nursing care that does not require the education, training, and technical skills of an R.N. or L.P.N.; such as transportation, meal preparation, charting of vital signs, and companionship activities; or

Services and supplies that are not Necessary, as determined by Aetna.

Sex changes or any treatment of gender identity disorders.

Sexual dysfunction expenses for therapy, supplies, or counseling for sexual dysfunction or inadequacies that do not have a physiological or organic basis.

Work-related illness or injury expenses connected to an injury arising from work for wage or profit (whether or not work was performed for this firm), or for diseases covered by any workers’ compensation law, occupational disease law, or similar law.

If you reside in one of the following states, the state-mandated benefits also apply to your coverage under the Medical Plan.

The Dental Plan pays benefits for charges for dental services and supplies incurred for treatment of a dental disease or injury. The plan pays 100% for Preventive, Basic and Major Services up to the calendar year maximum benefit of $1,500 per individual.

The Dental Plan has a calendar year maximum benefit of $1,500 per covered person. This is the most that is payable for all dental expenses incurred by a person in a calendar year.

This section of the booklet explains the covered dental expenses. Refer to the “Plan-At-A-Glance” or “How the Plan Works” sections for details on the level of dental benefits payable.

To be eligible for coverage under the Dental Plan, services and supplies must be considered Necessary and not Experimental or Investigational. (See “Glossary” and “What the Dental Plan Does Not Cover” for definitions of these terms.) All other applicable Dental Plan provisions and exclusions apply.

Oral surgery;

Aetna recommends that before starting a course of treatment for which Dentists’ charges are expected to be $150 or more, details of the proposed course of treatment and charges to be made be filed with Aetna. Aetna will then estimate the benefits. You and the Dentist will be told what they are before treatment starts.

Some services may be given before Advance Claim Review is made. These are oral exams, including prophylaxis and X-rays and treatment of any traumatic injury or condition which occurs unexpectedly, requires immediate diagnosis and treatment, and is characterized by symptoms such as severe pain and bleeding.

A course of treatment is a planned program of one or more services or supplies to treat a dental condition. The condition must be diagnosed by the attending Dentist as a result of an oral exam. The treatment may be given by one or more Dentists. The course of treatment starts on the date a Dentist first gives a service to correct or treat such dental condition.

Note: As part of Advance Claim Review and as part of proof of any claim, Aetna has the right to require an oral exam of the person at its own expense. You must give Aetna all diagnostic and evaluative materials which it may require. These include X-rays, models, charts and written reports.

The benefits for a course of treatment may be for a lesser amount than would otherwise be paid if Advance Claim Review is not made or if any required verifying materials are not furnished. In this event, benefits will be reduced by the amount of covered dental expenses that Aetna cannot verify.

Certain replacements or additions to existing dentures or bridgework will be covered under the Dental Plan. Proof satisfactory to Aetna must be given that:

If alternate services or supplies are used to treat a dental condition, covered dental expenses will be limited to those services and supplies which are customarily used nationwide for treatment and are deemed by the profession to be appropriate for treatment. They must meet broadly accepted national standards of dental practice. The person’s total current oral condition will be taken into account.

When the Alternate Treatment part of this Dental Plan applies, benefits will be limited. Some examples of how this works follow:

Gold, Baked Porcelain, Crowns, and Jackets. Covered dental expenses will be limited to the charges for the procedure using amalgam or like material, if it would restore a tooth. This limit applies even if you and the Dentist choose some other type of restoration.

Reconstruction. Covered dental expenses will be limited to the charges for the procedure needed to eliminate oral disease and replace missing teeth. Appliances or restorations needed to increase vertical dimension or restore the occlusion are deemed to be optional and are not covered.

Partial dentures. Covered dental expenses will be limited to the charges for a cast chrome or acrylic denture if this would satisfactorily restore an arch. This limit applies even if you and the Dentist choose a more elaborate or precision appliance.

Complete dentures. Covered dental expenses will be limited to the charges for a standard procedure. This limit applies even if you and the Dentist choose personalized or specialized treatment.

The following expenses are not covered:

For dental expenses covered under the Medical Plan, please see pages 16.

If you go on an approved leave of absence, with or without pay, you may be eligible to continue your coverage under the Plan. If you wish to continue coverage during your approved leave of absence, you must make arrangements with your Human Resources Representative to apply for coverage through COBRA. See pages 41 for details.

If you are unable to work because of injury or sickness, and the firm’s third party administrator has approved your disability claim, coverage may be continued (up to 180 consecutive days) during the period you are totally disabled. Totally disabled means that you are unable to perform your normal work responsibilities. The firm will continue to pay all required premiums for coverage under the Plan.

After 180 days, if you had elected Long Term Disability Insurance under the firm’s group plan, and your disability has been approved by the carrier, the firm will pay all required premiums for coverage under the Plan as long as the carrier continues to consider you to be totally disabled, and you are under age 65 (under age 65 is contingent on age of covered employee when benefits were first approved).

If you go on an unpaid FML, coverage under the Plan will continue.

If you are eligible for Plan coverage when you get married or meet the requirements of a domestic partnership, your spouse or domestic partner is immediately eligible for Plan coverage. You must contact your HR Representative within 31 days of the event to enroll your spouse or domestic partner in the Plan. If you don’t enroll within this period, you and your spouse or domestic partner can enroll during the next open enrollment. Coverage will become effective on January 1 of the following year.

Notify your local HR Representative right away if your dependent is no longer eligible for Plan coverage. If you gain a dependent, your dependent will be eligible for coverage. You have 31 days to enroll a newly eligible dependent. Newborns are automatically covered for the first 31 days following their birth. If you don’t enroll within this period, you will not be able to enroll the dependent until the next open enrollment period. Coverage will become effective on January 1 of the following year.

If you retire, your coverage will automatically change to the U.S. Retired Officer Plan effective on the date following your retirement date. Different coverage rules apply to the Retired Officer Plan.

Please contact your HR Representative for a copy of the Retired Officer Plan. The firm will continue to make full payment of any required contributions to the Retired Officer Plan. If you are under age 65, the Retired Officer Plan will be considered the primary payer of your insurance claims. If you are age 65 or older, Medicare will be considered the primary payer of your insurance claims. The primary payer of your spouse’s or domestic partner’s insurance claims is also dictated by age. The Plan will coordinate its coverage with Medicare using the standard coordination of benefits method. To qualify for retirement, you must meet certain age and length of service criteria. Please contact your HR Representative for details. Refer to pages 36 and 37 for information on Medicare.

Coverage for you and your dependents (if any) ends on the day after you leave the firm unless you elect to continue coverage through COBRA. See pages 41 for details. If you leave the firm and later return, you will be eligible to enroll in accordance with Plan enrollment requirements.

Some persons have health coverage in addition to coverage under this Plan. Under these circumstances, it is not intended that a plan provide duplicate benefits. For this reason, many plans, including this Plan, have a coordination of benefits provision.

This Plan uses the Maintenance of Benefits (MOB) approach for coordinating benefits. Using the MOB provision of this Plan, the amount normally reimbursed under this Plan is reduced to take into account payments made by Other Plans. Other Plans mean any other plan of health expenses coverage under: group insurance; any other type of coverage for persons in a group (this includes plans that are insured

and those that are not); no-fault auto insurance required by law and provided on other than a group basis. Only the level of benefits required by the law will be counted.

The following example illustrates the benefits that would be paid, if the Plan is the secondary payer:

If the primary coverage paid the same as the Plan would have paid in the absence of the primary coverage, no benefit would be paid under the Plan.

Coordination of coverage with Other Plans includes coordination of cost containment procedures. This means that the Plan will not pay for an eligible expense that is not covered by another plan because the covered person did not follow the Other Plan’s cost containment procedures. For example, if you are covered under another plan that requires certification before receiving medical care, the Plan will not pay for charges the Other Plan does not cover due to your failure to follow its certification requirements.

When this and another health expense coverage plan applies, the order in which the various plans will pay benefits must be figured. This will be done as follows using the first rule that applies:

The general rule is that the benefits otherwise payable under this Plan for all expenses incurred in a calendar year will be reduced by all Other Plan benefits payable for those expenses. When the coordination of benefits rules of this Plan and an Other Plan both agree that this Plan determines its benefits before such Other Plan, the benefits of the Other Plan will be ignored in applying the general rule above to the claim involved.

In order to administer this provision, Aetna can release or obtain data. Aetna can also make or recover payments.

When this provision operates to reduce the total amount of benefits otherwise payable as to a person covered under this Plan during a calendar year, each benefit that would be payable in the absence of this provision will be reduced proportionately. Such reduced amount will be charged against any applicable benefit limit of this Plan.

Medicare is divided into two distinct programs that are separately funded:

Part A (Hospital Insurance) pays some of the cost of hospitalization and provides benefits for skilled nursing facility care, home health care and hospice care.

You are eligible for Medicare at the beginning of the month in which you turn 65. (This age is not scheduled to rise, even though the full retirement age for Social Security benefits gradually rises to 67.) Enrollment is not automatic—you must contact your local Social Security office to enroll. When you enroll in Part A, you also automatically enroll in Part B unless you tell the Social Security Administration you do not want it.

If You Plan To work Past Age 65… you can delay enrolling in Part B as long as you continue coverage under the group Plan. Contact your Social Security office three months before you turn 65. At age 65, you should enroll in Part A and delay enrolling in Part B. In this case, the Plan will remain the primary payer and Part A will be the secondary payer for Hospital charges; using the standard coordination of benefits for claims payment. The Plan will continue to be the primary payer for your spouse (regardless of age) until you retire.

If You Retire at Age 65 or Later… contact your Social Security office three months before you retire to enroll in Part B. If you meet the firm’s age and length of service criteria for retirement, Medicare will be the primary payer for you and your spouse (if eligible), and the Retired Officer Plan will be your secondary payer. The Retired Officer Plan will continue to be primary payer for a dependent not Medicare eligible.

Once you are Medicare eligible and have enrolled in Medicare Part B, and Aetna is your secondary payer, you can enroll in Medicare Direct. Medicare Direct is an electronic service that connects Medicare and Aetna for claim coordination and eliminates your need to file claims for supplemental benefits. By checking your Explanation of Medicare Benefits (EOMB) statement, it should note that unpaid charges have been forwarded to Aetna. Once Aetna pays covered expenses, Aetna will send you an EOB. There is no charge for this service. Contact your HR Representative for details.

Complete a Medical Benefits Request claim form and submit it, along with the itemized bills for eligible medical expenses, to the address on the claim form. Claim forms are available at http://people.bah.com (accessible outside the firewall via https://secure.bah.com). To research claim status, visit www.aetna.com and register for Aetna Navigator (Please note, if you have already registered, EOBs are available for viewing 11 days following your Aetna Navigator registration date.) If there has been recent claim activity, an Explanation of Benefits (EOB) will be available for you to view.

All claims should be reported promptly. The deadline for filing a claim for benefits is 90 days after the date of the loss causing the claim. If, through no fault of your own, you are not able to meet the deadline for filing claims, your claim will still be accepted if you file as soon as possible. Otherwise, late claims will not be covered. Unless you are legally incapacitated, late claims will not be covered if they are filed more than 2 years after the deadline.

An “authorized representative” means a person you authorize, in writing, to act on your behalf. The Plan will also recognize a court order giving a person authority to submit claims on your behalf, except that in the case of a claim involving urgent care, a health care professional with knowledge of your condition may always act as your authorized representative.

If the Plan requires advance approval of a service, supply or procedure before a benefit will be payable, and if the Plan or your physician determines that it is an urgent care claim, you will be notified of the decision not later than 72 hours after the claim is received.

“A claim involving urgent care” is any claim for medical care or treatment with respect to which the application of the time periods for making non-urgent care determinations could seriously jeopardize the life or health of the claimant or the ability of the claimant to regain maximum function, or, in the opinion of a physician with knowledge of the claimant’s medical condition, would subject the claimant to severe pain that cannot be adequately managed without the care or treatment that is the subject of the claim.

If there is not sufficient information to decide the claim, you will be notified of the information necessary to complete the claim as soon as possible, but not later than 24 hours after receipt of the claim. You will be given a reasonable additional amount of time, but not less than 48 hours, to provide the information, and you will be notified of the decision not later than 48 hours after the end of that additional time period (or after receipt of the information, if earlier).

If you have received pre-authorization for an ongoing course of treatment, you will be notified in advance if the Plan intends to terminate or reduce benefits for the previously authorized course of treatment so that you will have an opportunity to appeal the decision and receive a decision on that appeal before the termination or reduction takes effect. If the course of treatment involves urgent care, and you request an extension of the course of treatment at least 24 hours before its expiration, you will be notified of the decision within 24 hours after receipt of the request.

If your claim for benefits is denied, in whole or in part, you will receive a written explanation from Aetna within 60 days after receipt of your claim (120 days if special circumstances apply). This explanation will tell you:

As a member of the Plan, you have the right to file an appeal about coverage for service(s) you have received from your health care provider or Aetna if you are not satisfied with the outcome of the initial determination and the appeal is regarding a change in the decision for the following:

You may file an appeal in writing to Aetna. The denial notice will include the address where the appeal can be sent. If your appeal is of an urgent nature, you may call Aetna’s Member Services Unit at the toll-free phone number on your ID card. Your request should include the group name (that is, your employer), your name, Social Security Number or other identifying information shown on the front of the Explanation of Benefits form, and any other comments, documents, records and other information you would like to have considered, whether or not submitted in connection with the initial claim.

You will have 180 days following receipt of an adverse benefit decision to appeal the decision to Aetna. You will be notified of the decision not later than 15 days (for pre-service claims) or 30 days (for post- service claims) after the appeal is received. You may submit written comments, documents, records and other information relating to your claim, whether or not the comments, documents, records or other information were submitted in connection with the initial claim. A copy of the specific rule, guideline or protocol relied upon in the adverse benefit determination will be provided free of charge upon request by you or your authorized representative. You may also request that the Plan provide you, free of charge, copies of all documents, records and other information relevant to the claim.

If your claim involves urgent care, an expedited appeal may be initiated by a telephone call to Member Services. Aetna’s Member Services telephone number is on your Identification Card. You or your authorized representative may appeal urgent care claim denials either orally or in writing. All necessary information, including the appeal decision, will be communicated between you or your authorized representative and the Plan by telephone, facsimile, or other similar method. You will be notified of the decision not later than 36 hours after the appeal is received.

If you are dissatisfied with the appeal decision on a claim involving urgent care, you may file a second level appeal with Aetna. You will be notified of the decision not later than 36 hours after the appeal is received.

If you are dissatisfied with a pre-service or post-service appeal decision, you may file a second level appeal with Aetna within 60 days of receipt of the level one appeal decision. Aetna will notify you of the decision not later than 15 days (for pre-service claims) or 30 days (for post-service claims) after the appeal is received.

If you do not agree with the final determination on review, you have the right to bring a civil action, if applicable.

You must exhaust the applicable Level one and Level two processes of the Appeal Procedure before you establish any: litigation; arbitration; or administrative proceeding; regarding an alleged breach of the policy terms by Aetna Life Insurance Company; or any matter within the scope of the Appeals Procedure.

You may file a voluntary appeal for external review of any final standard appeal determination that qualifies.

You must complete all of the levels of standard appeal described above before you can appeal for external review. Subject to verification procedures that the Plan may establish, your authorized representative may act on your behalf in filing and pursuing this voluntary appeal. You must request this voluntary level of review within 60 days after you receive the final denial notice under the standard appeal processes.

If you file a voluntary appeal, any applicable statute of limitations will be tolled while the appeal is pending. The filing of a claim will have no effect on your rights to any other benefits under the Plan. However, the appeal is voluntary and you are not required to undertake it before pursuing legal action.

If you choose not to file for voluntary review, the Plan will not assert that you have failed to exhaust your administrative remedies because of that choice.

You may, at your option, obtain External Review of a claim denial provided that:

If you meet the eligibility requirements listed above, you will receive written notice of your right to request an External Review at the time the final decision on your internal appeal has been rendered. Either you or an individual acting on your behalf will be required to submit to Aetna Life Insurance

Company the External Review Request Form (except under expedited review as described below), a copy of the Plan denial of coverage letter, and all other information you wish to be reviewed in support of your request. Your request for an External Review must be submitted, in writing, to Aetna Life Insurance Company within 180 calendar days after you receive the final decision on your internal appeal.

Aetna Life Insurance Company will contact the “External Review Organization” that will conduct your External Review. The External Review Organization will then select an independent physician with appropriate expertise in the area at issue for the purpose of performing the External Review. In rendering a decision, the external reviewer may consider any appropriate credible information

submitted by you with the External Review Request Form, and must follow the applicable plan’s contractual documents and plan criteria governing the benefits.

The External Review Organization will generally notify you of the decision within 30 calendar days of Aetna Life Insurance Company’s receipt of a properly completed External Review Form. The notice will state whether the prior determination was upheld or reversed, and briefly explain the basis for the determination. The decision of the external reviewer will be binding on the Plan, except where Aetna Life Insurance Company or the Plan can show reviewer conflict of interest, bias or fraud. In such cases, notice will be given to you and a different reviewer will promptly resubmit the matter for consideration.

An expedited review is available when your treating physician certifies on a separate Request For Expedited External Review form (or by telephone with prompt written follow-up) the clinical urgency of the situation. “Clinical urgency” means that a delay (waiting the full 30 calendar day period) in receipt of the service or treatment would jeopardize your health. Expedited reviews will be decided within 5 calendar days of receipt of the request. In the case of such expedited reviews, you will initially be notified of the determination by telephone, followed immediately by a written notice delivered by expedited mail or fax.

You will be responsible for the cost of compiling and sending the information that you wish to be reviewed by the External Review Organization to Aetna Life Insurance Company. Aetna Life Insurance Company is responsible for the cost of sending this information to the External Review Organization. The professional fee for the External Review will be paid by Aetna Life Insurance Company.

In order for an individual to act on your behalf in connection with an External Review, you will need to specifically consent to the representation by signing the appropriate line on the External Review Request Form.

You may obtain more information about the External Review process by calling the toll-free Member Services telephone number listed on your ID card.

The Consolidated Omnibus Budget Reconciliation Act of 1985 (“COBRA”) gives you and your covered dependents the right to a temporary extension of coverage under the Plan (“COBRA continuation coverage”) when coverage would otherwise end. This notice contains important information about your COBRA rights.

Under COBRA, the Plan must offer continuation coverage at group rates (the full premium including employee and employer portions, plus a 2% administrative fee) when coverage would otherwise end because of a life event known as a “qualifying event.” COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.”*1 For purposes of the Plan, a qualified beneficiary is a

______________________________________________

A child born to, or placed for adoption with, the employee during the period of COBRA coverage is also considered a “qualified beneficiary” under COBRA. There may be extra cost in electing this additional coverage. You must also give notice to the HR Representative within 30 days of the birth or adoption placement.

spouse, domestic partner or dependent child who would otherwise lose Plan coverage because of a qualifying event. COBRA continuation coverage is the same as the coverage under the Plan of similarly situated employees and/or covered dependents who have not had a qualifying event. Each qualified beneficiary who elects COBRA continuation coverage will have the same rights under the Plan, including special enrollment rights, as other participants or beneficiaries covered under the Plan.

This notice generally explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. If COBRA continuation coverage is elected, proof of insurability is not required. The employee or qualified beneficiaries pay the full premium (both employee and employer portions, plus a 2% administrative fee) for COBRA continuation coverage.

The Plan Administrator is Booz Allen Hamilton, 8283 Greensboro Drive, McLean, VA 22102, (703) 902-5514. COBRA continuation coverage for the Plan is administered by Aetna Inc., 151 Farmington Ave. MB1K, Hartford, CT 06156-7622, (800) 429-9526.

Employees. If you are an employee of Booz Allen Hamilton (“Booz Allen”) covered by this Plan, you have a right to elect COBRA continuation coverage if you lose your group health care coverage because of either of the following reasons:

Dependent Children. In the case where a dependent child of an employee or domestic partner is covered by the Plan, he or she has the right to elect COBRA continuation coverage if group health care coverage under the Plan is lost for any of the following reasons:

__________________________________

**    The termination may be voluntary or involuntary.

A qualified beneficiary who elects COBRA continuation coverage has the same rights as the covered employee. For example, a former dependent child of a covered employee could elect COBRA continuation coverage as a qualified beneficiary, marry, cover the new spouse, have a child and cover the child by paying a separate premium for the coverage elected. However, the new spouse and child are not considered “qualified beneficiaries” and have no separate rights to elect COBRA continuation coverage. Their COBRA continuation coverage ends when the former dependent child’s coverage ends.

Under the law, as a qualified beneficiary, you must notify the HR Representative of a divorce, legal separation, end of domestic partnership, or a child losing dependent status under the Plan. This notification must be made within 60 days after the later of: (i) the date of the qualifying event or

(ii) the date that coverage would be lost under the Plan provisions because of the qualifying event.

Failure to give notice within the time limits can result in COBRA continuation coverage being forfeited. Be sure to check the Plan carefully to determine when a child loses dependent status.

When the employee’s HR Representative is notified that a qualifying event has occurred, the HR Representative will in turn notify the employee, spouse, domestic partner, or dependent child of his or her right to elect COBRA continuation coverage. Election of COBRA continuation coverage must take place during the election period, which will end 60 days from the later of the date group health care coverage would otherwise terminate or the date the notification of COBRA continuation coverage rights is provided to the qualified beneficiary.

If an employee, spouse, domestic partner, or dependent child does not elect COBRA continuation coverage prior to the expiration of the election period, his or her rights to continue group health care coverage will terminate. If COBRA continuation coverage is elected, Booz Allen will provide COBRA continuation coverage which, as of the time such coverage is being provided, is identical to the group health care coverage provided under the Plan to similarly situated employees and/or covered dependents.

COBRA generally provides a maximum continuation period of 18, 29, or 36 months of COBRA continuation coverage depending on the type of qualifying event(s). The continuation period is measured from the date of the qualifying event.

18 Month Coverage. If group health care coverage was lost because of the employee’s termination of employment (other than for reasons of gross misconduct) or reduction in hours, the required COBRA continuation coverage period is generally 18 months from the date of the qualifying event. Booz Allen voluntarily extends this period by up to an additional 6 months, for a maximum of 24 months from the date of the qualifying event, if the qualifying event is an educational leave of absence granted by Booz Allen to the employee.

Secondary Events. The 18-month COBRA continuation period may also be extended up to 18 additional months, for a maximum of 36 months from the date of the original qualifying event, if a second

qualifying event (divorce, legal separation, death, entitlement to Medicare, ceasing to be a dependent child) takes place during the original 18-month period. This extension applies only if the secondary event would have caused the spouse, domestic partner, or dependent child to lose coverage under the Plan had the first qualifying event not occurred. Upon the occurrence of a second event it is the qualified beneficiary’s obligation to notify the HR Representative of the second qualifying event within 60 days of the second qualifying event and within the original 18month COBRA continuation coverage period. COBRA continuation coverage does not last beyond 36 months from the original qualifying event, no matter how many qualifying events occur.

Disability Extension. The 18-month COBRA continuation coverage period may be extended up to 11 additional months, for a maximum of 29 months from the date of the qualifying event, if the employee, spouse, domestic partner or dependent child is determined by the Social Security Administration to be disabled, the disability began during the first 60 days of COBRA continuation coverage and the disability lasts at least until the end of the original 18-month period of COBRA continuation coverage. The COBRA continuation coverage of the disabled qualified beneficiary and all other qualified beneficiaries (including those not deemed disabled) may be continued for up to an additional 11 months. The extended coverage is applicable provided the HR Representative is notified of the disabled status before the end of the original 18-month COBRA continuation coverage period and within 60 days after the date the qualified beneficiary is determined to be disabled.

The qualified beneficiaries who are receiving COBRA continuation coverage are responsible for providing the HR Representative with notice of a determination by the Social Security Administration that a qualified beneficiary is disabled. If this notice is not provided to the HR Representative, Booz Allen is not required to extend COBRA continuation coverage. If there is a final determination that the disability has ended, the formerly disabled person must notify the HR Representative within 30 days after the date the disability ends. The COBRA continuation coverage will end on the first of the month following 30 days after the determination that the disability has ended. If the COBRA continuation coverage period is extended under this provision, Booz Allen may increase the premium charged for each additional month of COBRA continuation coverage from the standard COBRA premium (102% of the full premium) to 150% of the full premium.

36 Month Coverage. The following events entitle qualified beneficiaries to 36 months of continuation coverage:

The law permits COBRA continuation coverage to be terminated for any of the following reasons:

If you have any questions about COBRA continuation coverage, you should contact your HR Representative or the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA). Addresses and phone numbers of Regional and District EBSA Offices are available through the EBSA’s Web site at www.dol.gov/ebsa.

If your COBRA coverage ends for any reason other than your failure to pay any required contributions, and you want to continue medical coverage for you and/or your dependents, you have the right to convert your medical coverage to an individual basic health care policy provided by Aetna. This “right to convert” applies to U.S. residents only and only if the firm’s medical coverage under this Plan is not terminated.

If you want to convert to an individual health care policy, you must apply to do so, and pay the first premium to Aetna within 45 days after your COBRA coverage ends. This application period will be extended for 45 days, from the date you receive written notice of your conversion privilege, but not beyond 90 days from the date coverage ceases. This applies even if the covered person is still eligible for benefits because he/she is totally disabled. Evidence of insurability will not be required.

The coverage you receive under the individual contract may be lower than the regular Plan coverage, and certain covered services may not be included in this contract. You will be required to pay the entire cost of your and your dependents’ medical premiums. Premiums will be determined by Aetna.

The Plan may not, under federal law, restrict any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn child earlier than 48 hours (or 96 hours as applicable). Under federal law, the Plan may not require that a provider obtain authorization for prescribing a length of stay less than 48 hours (or 96 hours as applicable).

Solely to the extent required under the Women’s Health and Cancer Rights Act, the Plan will provide certain benefits related to services received in connection with a mastectomy. The Plan shall include coverage for reconstructive surgery following a mastectomy.

If you or your eligible dependent(s) are receiving benefits under the Plan related to mastectomy and you or your eligible dependent(s) elect breast reconstruction, the coverage will be provided, in a manner determined in consultation with the attending physician and you or your dependent(s), for:

Reconstructive benefits are subject to annual Plan co-payments, deductibles and co-insurance provisions similar to other medical and surgical benefits covered under the Plan.

Coverage under this Plan is non-occupational. Only non-occupational accidental injuries and non- occupational diseases are covered.

If you are an active Officer, the firm pays the cost of coverage under the Plan.

If a person suffers a loss or an injury caused by the act or omission of a third party, the Health Expense Benefits in this Plan for such loss or injury will be paid only if that person, or his or her legally authorized representative, agrees in writing:

The payment and the lien referred to above shall be made or provided to Aetna in its capacity as the provider of administrative services to the Plan.

If a benefit payment is made by the Plan, to or on behalf of any person, which exceeds the benefit amount such person is entitled to receive in accordance with the terms of the group contract, the Plan has the right to require the return of the overpayment on request; or to reduce by the amount of the overpayment, any future benefit payment made to or on behalf of that person or another person in his or her family. Such right does not affect any other right of recovery the Plan may have with respect to such overpayment.

No legal action can be brought to recover any benefit after three years from the deadline for filing claims.

This Plan may be amended or terminated at any time by a written resolution of an Officer of the firm who has been duly authorized to act on behalf of the firm with respect to the Plan pursuant to a written resolution adopted by the Board of Directors of the firm.

The Health Insurance Portability and Accountability Act (HIPAA) imposes numerous requirements on employer health plans concerning the use and disclosure of individual health information. Under the Privacy Rule, health information is private and protected and can only be disclosed for certain purposes with permission from the participant. If privacy rights are violated, the participant can file a complaint.

This information, known as protected health information, includes virtually all individually identifiable health information held by the Plan. Under the HIPAA Privacy Rule, the Plan must enable members to exercise specific health privacy rights. Aetna, as claims administrator, has established procedures that you and your dependents may use to exercise those rights. Aetna’s procedures address members’ rights to:

If you or your dependents wish to exercise your HIPAA Privacy rights, you should contact Aetna directly at the toll-free number provided on your ID card (it is especially critical that you refer any request for restrictions and/or confidential communications to Aetna, as not all such requests can be accommodated, and the HIPAA Privacy Rule does not require that all such requests be accepted).

Aetna’s response to the member will contain instructions for the member to contact the firm directly if he/she wishes to exercise any HIPAA privacy rights with regard to PHI maintained by Aetna.

If you believe your HIPAA privacy rights have been violated, you may contact Aetna Member Services and/or the Secretary of Health and Human Services (HHS) 1 ###-###-####. Additionally, you may contact the Booz Allen Ethics Hotline at ###-###-####.

A licensed organization or professional providing diagnostic, therapeutic or psychological services for behavioral health conditions.

This is a freestanding facility that meets licensing standards; is set up, equipped and run to provide prenatal care, delivery and immediate postpartum care; makes charges; is directed by at least one Physician who is a specialist in obstetrics and gynecology; has a Physician or certified nurse midwife present at all births and during the immediate postpartum period; extends staff privileges to Physicians who practice obstetrics and gynecology in an area Hospital; has at least 2 beds or 2 birthing rooms for use by patients while in labor and during delivery; provides, during labor, delivery and the immediate postpartum period, full-time skilled nursing services directed by an R.N. or certified nurse midwife; provides, or arranges with a facility in the area for, diagnostic X-ray and lab services for the mother and child; has the capacity to administer a local anesthetic and to perform minor surgery. This includes episiotomy and repair of perineal tear; is equipped and has trained staff to handle medical emergencies and provide immediate support measures to sustain life if complications arise during labor, and if a child is born with an abnormality which impairs function or threatens life; accepts only patients with low risk pregnancies; and has a written agreement with a Hospital in the area for emergency transfer of a patient or a child. Written procedures for such a transfer must be displayed and the staff must be aware of them; and provides an ongoing quality assurance program. This includes reviews by Physicians who do not own or direct the facility; and keeps a medical record on each patient and child.

Board and Room Charges Charges made by an institution for board and room and other necessary

services and supplies. They must be regularly made at a daily or weekly rate.

A prescription drug which is protected by trademark registration.

This is a person whose presence as a Companion or caregiver is necessary to enable an NME Patient:

This is an institution that is licensed to provide, and does provide the following, on an inpatient basis, for persons convalescing from disease or injury: professional nursing care by an R.N. or by an

L.P.N.    directed by a full-time R.N., and physical restoration services to help patients to meet a goal of self-care in daily living activities. The Convalescent Facility also provides 24 hour a day nursing care by licensed nurses directed by a full-time R.N.; is supervised full-time by a Physician or an R.N.; keeps a complete medical record on each patient; has a utilization review plan; is not mainly a place for rest, for the aged, for drug addicts, for alcoholics, for mental retardates, for custodial or educational care, or for care of mental disorders; and makes charges.

This means services and supplies furnished to a person mainly to help him or her in the activities of daily life. This includes board and room and other institutional care. The person does not have to be disabled. Such services and supplies are custodial care without regard to:

This means a legally qualified Dentist. Also, a Physician who is licensed to do the dental work he or she performs.

This means a program of alcoholism or drug abuse therapy that is prescribed and supervised by a

physician and either:

These are not effective treatment:

A drug product which is pharmaceutically equivalent and bioequivalent to another drug product that is customarily recognized as the brand name product throughout the pharmacist’s profession. A drug is pharmaceutically equivalent to another drug if it contains identical amounts of the same active drug ingredients in the same dosage form. A drug is bioequivalent to another drug if it has demonstrated comparable bioavailability when tested under similar conditions.

This is an agency that mainly provides skilled nursing and other therapeutic services and is associated with a professional group which makes policy. This group must have at least one Physician and one R.N.; full-time supervision by a Physician or an R.N.; keeps complete medical records on each person; has a full-time administrator; and meet licensing standards.

This is care given to a Terminally Ill person by or under arrangements with a Hospice Care Agency. The care must be part of a Hospice Care Program.

This is an agency or organization which has Hospice Care available 24 hours a day and meets any licensing or certification standards set forth by the jurisdiction where it is located. It provides skilled nursing services; medical social services; and psychological and dietary counseling. It provides or arranges for other services which will include services of a Physician; and physical and occupational therapy; and part-time home health aide services which mainly consist of caring for Terminally Ill persons; and inpatient care in a facility when needed for pain control and acute and chronic symptom management. It has personnel which include at least: one Physician; and one R.N.; and one licensed or certified social worker employed by the Agency. It establishes policies governing the provision of Hospice Care; assesses the patient’s medical and social needs; develops a Hospice Care Program to meet those needs; and provides an ongoing quality assurance program. This includes reviews by Physicians, other than those who own or direct the Agency; permits all area medical personnel to utilize its services for their patients; keeps a medical record on each patient; utilizes volunteers trained in providing services for non-medical needs; and has a full-time administrator.

This is a written plan of Hospice Care which is established by, and reviewed from time to time by, a Physician attending the person and appropriate personnel of a Hospice Care Agency. It is designed to provide palliative and supportive care to Terminally Ill persons and supportive care to their families. It includes an assessment of the person’s medical and social needs and a description of the care to be given to meet those needs.

This is a facility, or distinct part of one, which mainly provides inpatient Hospice Care to Terminally Ill persons; charges its patients; meets any licensing or certification standards set forth by the jurisdiction where it is located; keeps a medical record on each patient; and provides an ongoing quality assurance program. The program includes reviews by Physicians other than those who own or direct the facility; is run by a staff of Physicians, at least one such Physician must be on call at all times; provides 24 hours a day nursing services under the direction of an R.N.; and has a full-time administrator.

A place that:

A Licensed Practical Nurse.

Title XVIII (Health Insurance for the Aged and Disabled) of the U.S. Social Security Act, as amended from time to time.

This is a disease commonly understood to be a mental disorder whether or not it has a physiological or organic basis and for which treatment is generally provided by or under the direction of a mental health professional such as a psychiatrist, a psychologist or a psychiatric social worker. A mental disorder includes; but is not limited to:

A service or supply furnished by a particular provider is necessary if Aetna determines that it is appropriate for the diagnosis, the care or the treatment of the disease or injury involved.

To be appropriate, the service or supply must:

In determining if a service or supply is appropriate under the circumstances, Aetna will take into consideration:

In no event will the following services or supplies be considered to be necessary:

This is the maximum charge a PCP, specialist or facility has agreed to make as to any service or supply for the purpose of the benefits under the Plan.

A non-occupational disease is a disease that does not:

A disease will be deemed to be non-occupational regardless of cause if proof is furnished that the person:

A non-occupational injury is an accidental bodily injury that does not:

CEO, Executive Vice President, Senior Vice President of Booz Allen Hamilton. Certain Vice Presidents of Booz Allen Hamilton who held the position of Senior Director prior to October 1, 2009 are also considered to be Officers for purposes of the Plan.

A licensed practitioner of the healing arts acting within the scope of the license.

A pharmacy, including a mail order pharmacy, which is party to a contract with Aetna to dispense drugs to persons covered under this Plan, but only:

This is an institution that meets all of the following requirements:

A Registered Nurse.

A Temporomandibular Joint Dysfunction (TMJ), a disorder in the relationship between the jaws or jaw joints and muscles and nerves.

This is a medical prognosis of six months or less to live.

You will be considered totally disabled if, because of an injury or a sickness, you are unable to perform all of the substantial and material duties of your regular employment or occupation. Your dependent will be considered totally disabled if, because of an injury or a sickness, he or she is unable to perform the normal activities of a person of like age and sex.

One where the physician admits the person to the hospital due to:

which, while not needing an emergency admission, is severe enough to require confinement as an inpatient in a hospital within 2 weeks from the date the need for the confinement becomes apparent.

This is a freestanding medical facility which:

A physician’s office, but only one that has contracted with Aetna to provide urgent care; and is, with Aetna’s consent, included in the Directory as a Preferred Urgent Care Provider.

It is not the emergency room or outpatient department of a hospital. Urgent Condition

This means a sudden illness; injury; or condition; that:

CH1 5383926v.3