Orange County NC Website
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Two Fully Insured Plans <br /> • HMO In-Network Plan (100% coinsurance after deductible of$250) <br /> • PPO In and Out of Network Plan (90% coinsurance after $250 deductible) <br /> Co-pays <br /> • Physician/Specialists $15/$30 Pharmacy $10/$151$30 <br /> Monthly Premiums <br /> • 9.7% Increase for 2008, Projected 10.5% for 2009 <br /> ***County Pay 100% of Employee Monthly Premiums and 52% of Dependent Monthly Premium <br /> based on HMO Plan <br /> 2008 Monthly Employee/County Health Care Cost <br /> HMO Plan Total Cost County Cost Employee Cost <br /> Single $445.06 $445.06 $0.00 <br /> EE + Spouse $938.66 $701.72 $236.94 <br /> EE + Child $623.06 $537.62 $85.44 <br /> EE + Children$858.98 $660.30 $198.68 <br /> Family $1335.18 $907.92 $427.26 <br /> PPO Plan <br /> Single $522.08 $522.08 $0.00 <br /> EE + Spouse $1101.52 $701.72 $399.80 <br /> EE + Child $730 90 $537.62 $193.28 <br /> EE + Children$1007.54 $660.30 $347.24 <br /> Family $1566.18 $907.92 $658.26 <br /> Comparison with Others <br /> Type of Plan Design <br /> Large organizations offer multiple options and smaller organizations are more likely to offer <br /> only one option <br /> Orange County's co-pays, deductibles and co-insurances are comparable to most other <br /> jurisdictions <br /> Cost to Employee and Organization <br /> Other jurisdictions share the cost of premiums with employees, including Alamance, Wake, <br /> Davidson, Gaston, Guilford and Caldwell Counties <br /> Other organizations provide reduced premium plans with higher co-pays, deductibles and co- <br /> insurance to encourage healthier employee to select less costly options <br /> 85% of other counties offer a no cost option for employees <br /> Health Care Options to Consider <br /> Provide More Options in Plan Design <br />