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• Attachment 2 <br />HEALTH INSURANCE OVERVIEW <br />• <br />Page <br />Two health. plans are contracted through the NCACC Health Insurance Trust and administered <br />by CIGNA: a Health Maintenance Organization (HMO) and a Preferred Provider Organization <br />(PPO). Because of the higher coverage level, the cost of the HMO is higher than the PPO <br /> HMO PPO in network PPO out of network <br />Office Visits (Primary $15 $15 70% after deductible <br />Care of $500 is met <br />Office Visits $30 $30 70% after deductible <br />S ecialist of $500 is met <br />Emergency Room Co- $150 $150 $150; 70% after <br />Pay deductible if not a true <br /> emer enc <br />Deductible $250-Applies to all $250--Applies to all $500--Applies to all <br /> other services, other services, services <br /> excludin lab work excludin lab work <br />Co-Insurance None 10% up to 30%, up to <br /> $1,000/ ear $2,000/ ear <br />Out of Network No Yes Yes <br />Providers Allowed <br />Individual Premium, <br />effective Jan 1, 2011 $531.56 $509.14 <br />Initial Renewal <br />Total Family <br />Premium, effective <br />Jan 1, 2011 (County $1,594.66 $1,527.44 <br />subsidizes at same <br />rate for both tans <br />Orange County health insurance premiums have doubled between 2002 and 2010. The current <br />number of employees enrolled in each plan, past rate changes, and past plan changes to <br />employee health insurance are shown below. <br />• <br />