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Community Home Trust Participation <br /> - May 2011 letter to BOCC from CHT Executive Director <br /> - Request to remain members of the Orange County health plan <br /> o NCACC coverage through Orange County since 1991 <br /> - 8 full-time employees do not adversely affect the County's renewal <br /> - CHT pays their premiums <br /> - If BOCC approves CHT's continued participation, an MOU would define terms of <br /> agreement <br /> - This option has not been extended to other outside agencies <br /> Discussion Points <br /> - Dentallnsurance <br /> o Reimbursement for Major Restorative Services <br /> o Delta Dental enhanced benefits <br /> - Vision Coverage <br /> o Voluntary vision plan for employees <br /> - Community Home Trust <br /> o Continued participation <br /> o Terms of MOU <br /> - Health Insurance <br /> o Plan designs and premium structure for 2012 <br /> Consumer Driver Health Plans (CDHPs) <br /> - The underlying assumption is that consumers will make more informed choices and <br /> forego unnecessary or excess medical care if they have to use more of their own <br /> money to pay for it. <br /> - Lower cost premiums make them a popular choice. <br /> - Surveys show that although CDHPs may help plan participants and employers lower <br /> costs, some participants may not be as satisfied with them as they were with a <br /> traditional plan. <br /> Comparison of Traditional Plans and Health Savings Account <br /> Comparison of Flexible Spending Account and Health Savings Account (HSA) <br /> Commissioner Gordon asked about a list of network providers. Also, she asked about <br /> the meaning of co-insurance and POS versus PPO. <br /> Mark Browder from Mark III said that United Healthcare was 5-10% better than any of <br /> the other providers. He continued with the PowerPoint and described the options. He said <br /> that POS (Point of Service) and PPO are very similar. There are in and out-of-network <br /> benefits. <br /> Tracy Macardy said that the Point of Service has more individual protection. This is the <br /> product that United Healthcare leads with. <br /> Commissioner Gordon asked about confirming authorization. Tracy Macardy said that <br /> normally the participating providers do, but under the POS contract, the individual is not liable <br />