This transition is providing our members with enhanced benefits and services, but even with these enhancements, rates are not being impacted.  The expectation is that the TDCBT will benefit by utilizing the comprehensive Aetna network, the dedicated member advocate concierge program, integrated medical & RX clinical programs, as well as other value-based programs.  You may still experience a rate increase through your normal renewal process due to trend and demographic changes within your group (such as increased aging) but the overall transition to Aetna is providing additional benefits at little to no additional cost.