2007 Catastrophic Protection
(your out-of-pocket maximum)

Benefit:	PPO/Network Provider:	Non-PPO Provider:
Medical/Surgical	You pay nothing after coinsurance expenses total $4000 per person or family for services of PPO providers/facilities. Your coinsurance expenses for inpatient services by PPO hospital facilities will never exceed $2000.	You pay nothing after coinsurance expenses total $6000 per person or family for services of PPO and non-PPO providers/facilities, combined.
Mental health and substance abuse benefits	You pay nothing after coinsurance expenses total $4000 per person or family for services of network mental health and substance abuse providers/facilities. Your coinsurance expenses for inpatient services by network hospitals or other facilities will never exceed $2000.	You pay nothing after coinsurance expenses total $8000 per person for out-of-network mental health and substance abuse inpatient hospital treatment (to a maximum of 50 days).

Note: Some costs do not count toward this catastrophic protection.