The new master agreement created a National Health Plan for all PT employees. The two choices of coverage are Blue Cross/Blue Shield or Aetna, if both are available in your area. Each elgible PT employee should have rec'd a packet to make their choice. Coverage in both companies are the same. The only difference is in who pays the bill and what DR's might belong to what network. Should a PT'r not make their choice they will be assigned to the coverage under Aetna and will not be able to use the Health Care Spending account or buy any supplemental coverages. Choices will not be able to be made again until next year.