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6 <br /> 1. Meet the FY 2012-13 budget; <br /> 2. Minimize impact on employees with and without dependents; <br /> 3. Positively impact employees; <br /> 4. Take into account employee concerns, including responses to a survey in August 2012. <br /> Staff presents three options for health insurance with UnitedHealthcare on the following pages. <br /> When the costs increase, employees with dependent coverage bear a greater cost compared to <br /> employees and retirees with individual coverage. <br /> • The renewal of the current two plans, a traditional plan (POS) and a Health Savings <br /> Account/High Deductible Health Plan, is lower than the FY 2012-13 health insurance <br /> budget. <br /> • Option 1 offers the same two plans with enhancements that will reduce POS members' <br /> costs for prescriptions, minor office surgery, and simple office lab work. <br /> • Option 2 includes the enhancements of Option 1 and adds obesity services, including <br /> gastric bypass surgery, to the existing POS plan. <br /> Summary of 2013 Plan Designs <br /> Renewal of 2012 Plan <br /> In-Network Service High Deductible <br /> (Out of Network Services available, but POS Plan <br /> not shown) with Health <br /> Savings Account <br /> $20, includes <br /> minor surgery 80% after <br /> Primary Care Physician Visits and lab work Deductible <br /> Specialist Physician Visits $40 80% after Ded. <br /> Preventive Care 100% 100% <br /> Deductible $500 $1,500 <br /> Deductible - Family Maximum $2,250 $3,000 <br /> Coinsurance Limit $1,000 $2,000 <br /> Coinsurance Limit - Family Max $3,000 $2,000 <br /> In-patient Hospital Services 80% after Ded. 80% after Ded. <br /> Out-patient Hospital Services 80% after Ded. 80% after Ded. <br /> Emergency Room $150 80% after Ded. <br /> Pharmacy $8/$25/$45 80% after Ded <br /> A - 4 <br />