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9 <br />Attachment 2 Page <br />HEALTH INSURANCE OVERVIEW <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 $150 $150 $150; 70% after <br />Co-Pay deductible if not a true <br /> emer enc <br />Deductible--Applies to $250 $250 $500--Applies to all <br />all other services, services, inc. lab work <br />excludin lab work <br />Co-Insurance None 10% up to 30%, up to <br />(employee's $1,000/year $2,000/year <br />responsibility for <br />char es <br />Out of Network No Yes Yes <br />Providers Allowed <br />Individual Premium, $531.44 $509.02 <br />effective Jan 1, 2011 <br />Total Family <br />Premium, effective <br />Jan 1, 2011 (County $1,594.28 $1,527.08 <br />subsidizes at same <br />rate for both lans <br />The current number of employees enrolled in each plan, past rate changes, and past plan <br />changes to employee health insurance are shown below. <br />HEALTH INSURANCE PARTICIPATION <br />Health Plan Number Enrolled <br /> Total Active Retirees <br /> Employees <br />Open Access Plus In-Network Co- <br />Pay (HMO) 815 69 123 <br />Open Access Plus Co-Pay (PPO) <br /> 119 104 15 <br />