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4 <br /> Attachment B <br /> Comparison of Plan Designs <br /> 2013 Orange County Health Insurance Renewal and Options <br /> High Deductible Plan POS POS POS <br /> In-Network Service g <br /> (Out of Network Services with Health Savings <br /> available, but not shown) Account <br /> Renewal and Options 1 Renewal Option 1 Option 2 <br /> and 2 (107.10%)* (108.51%)* (113.14%)* <br /> $20, includes $20, includes <br /> Primary Care Physician minor surgery and minor surgery and <br /> Visits 80% after Deductible $20 lab work lab work <br /> Specialist Physician <br /> Visits 80% after Ded. $40 $40 $40 <br /> Preventive Care 100% 100% 100% 100% <br /> Individual Deductible $1,500 $500 $500 $500 <br /> Deductible - Family <br /> Maximum $3,000 $1,500 $1,500 $1,500 <br /> Coinsurance Limit - <br /> Individual $2,000 $1,000 $1,000 $1,000 <br /> Coinsurance Limit - <br /> Family Max $2,000 $3,000 $3,000 $3,000 <br /> Maximum Out of Pocket <br /> (Deductible + $3,500 Individual/ $1,500 Individual/ $1,500 Individual/ $1,500 Individual/ <br /> Coinsurance) $5,000 family $4,500 family $4,500 family $4,500 family <br /> In-patient and Outpatient <br /> Hospital Services 80% after Ded. 80% after Ded. 80% after Ded. 80% after Ded. <br /> Emergency Room 80% after Ded. $150 $150 $150 <br /> Pharmacy 80% after Ded. $8/$25/$45 $41$25/$45 $41$25/$45 <br /> Generic Prescriptions 80% after Ded. $8/$25/$45 $4 $4 <br /> County Contribution to <br /> Health Savings Account $1,237.20 Not available Not available Not available <br /> Available with Option 2 <br /> Obesity Surgery only Not available Not available Available <br /> *Total premium increase percentage that includes the High Deductible Plan and POS straight <br /> renewal, Option 1 and Option 2 <br /> Option 1 <br /> Same benefits as the renewal, with enhancements to the Point of Service Plan: <br /> • Simple labs (e.g., throat cultures) included with In-Network office co-pay (covered at 100%) <br /> • Minor in-office surgery (e.g., mole removals) included with In-Network office co-pays (covered <br /> at 100%) <br /> • Pharmacy co-pays of$4/$25/$45, and all generics placed in Tier 1 (some brand name <br /> prescriptions remain in Tier 1) <br /> Option 2 <br /> Same benefits as Option 1, with the addition of certain morbid obesity treatment (e.g., gastric bypass, <br /> gastric banding) to both Point of Service and High Deductible Plan. <br />