November 8, 2006


Your 2007 Health Benefit Plan

> Same Low Pemium  > Added Benefits  > Plus free AD&D Coverage

Dear SAMBA Standard Option Plan Member,

I am pleased to inform you that there will be no premium increase in our Standard Option Plan for 2007. Next year, you will continue to enjoy the same great benefits, plus even more…

• We have added a Lab Savings Program.* This voluntary program pays 100% of covered laboratory services when Quest Diagnostics® performs the testing and bills SAMBA directly (see page 22 of your 2007 SAMBA health plan brochure for more details).
  


• We have enhanced our organ/tissue transplant program. SAMBA will now pay up to $10,000 travel and lodging expenses when one of our plan-designated transplant facilities is used (see page 38 of your 2007 SAMBA health plan brochure for more details).
  


• We have added an Out-of-Network Area benefit for those members who reside in areas where access to a PPO provider network is limited. Non-PPO benefits will generally be increased from 70% to 80% for Out-of-Network Area residents (see page 54 of your 2007 SAMBA health plan brochure for more details).
  


• During 2007, without charge, members will automatically be enrolled in SAMBA's $10,000** Accidental Death and Dismemberment (AD&D) plan. This special Association-paid benefit helps protect you and your family from the financial effects of a serious accident or death.

Sincerely,



Walter E. Wilson
Executive Director

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