Agenda - 09-05-2013 - 7a - Laserfiche WebLink

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Summary of Benefits Provided by Other Jurisdictions Attachment 4 21 Orange County Cxmboro Gary Hillsborough Mebane OWASA Alamance County Chatham County Durham County Durham City Penton County Guilford County 5% of premium (PPO) 100% of Core Level Percent paid for 100% for both POS and $0 HOP Coverage IF employee 94% (Core Level Employe Coverage e High Deductible Plan 100% 95% HOP is only plan 100% 100% 100% 100% gets Health Risk Coverage) 100% POS Plan 93% available to employees Assessment - if not, Co. hired after 7/1/12 pays 95% of Basic Level Percent paid for 52% of amount after 50% towards dependent 50% of the cost towards 72% (Core Level 53% after individual Family Coverage individual premium is coverage 50% 0% 0 50% 0% t'i^ ^e dependent coverage Coverage) premium is paid 0 $201$40 FOS) Co- Core- $20/$40 20% in-network co- $15/$25 (in-network); Basic - $25/$50 Core - Primary/Specialist Copay insurance (HDP) $10/$20 Basic – $25/$50 $20/$30 (PPO) $15/$25 $10/$20 insurance 70% after deductible $20/40 Premium- $20/$40 $20/$40 $20/$35 (Out -of- network) $15/$30 Urgent Care $20 (Core), Urgent Care Copay Urgent Care/ER Copay $30/$150 $20/$150 $25 (Basic) ER $150 $100 $15/$100 $20/$150 20% in- network co- $25/$150 (In- network same as office visit $20/$300 40% after deductible $35/$75 first visit, $450 ce nd Out-cf- network) copays above -All plans subsequent visits have a $150 ER copay Medical Insurance Plan Deductible $5001$1000 (POS) $400/$800 (PPO) $3001$400 ind. $150/$300 ("network); Basic-$1000 Core$500 (Individual/Family) $15001$3000 (HDP) $5001$1000 no deductibles $2400/$4,800 (HDP) $300/$600 $500/$1,000 $6001$900 family $50001$1000 (Out-of- - $250 premium -$250 $750/$1,500 $1000/$2000 POS $200 in network network) Plan Coinsurance 80% (POS) 90% for hospital 90% for hospital 100% 20% in- network ce- work); $6000 $9 network); Basio -80% Core -80 % $2,000/$4,000 $2,000/$4,000 90% (individual/Family) 80% (HDP) services 85% PPO services insurance (Out-of-network) - network) premium -90% 80% (Core), 70% (Basic) 80% HDP HSA or HRA contribution $1237.20 max Basic Only: $400 to flex $1,430 max None None None account Max out -of- pocket $1,500/$4,500 (POS) Basio-- $2,500/$5,000 $1,500/$3000 (PPO) Basio-$3000/$6000 (Individual /Family) $3,500/$5,000 (HDP) $1000/$2000 Core--$4,000/$8,000 $4,000/$8,000 (HDP) $1,0001$2,000 $ 500 1$1, 000 $ 2000 /$4000 $2000/$6000 Core- $2000/$4000 $2,75045,500 $3000/$6000 $2,000/$4,000 Premium - $1000/$2000 Rx Co -pay $41$251$45 (POS) $10/$25/$40 w25% $51$201$40 (POS) Mail Order: $0 copay for generics for (Generic/Preferred Brand/ 80 % after deductible coinsurance specialty 80% after deductible $ $101$251$401$75 10 %20 %/30% $101$301$45/75% all plans Basic-$30 /50 $01$301$45 $10/$45/$6025% $7/$35/$50/$65 Brandt Non-Preferred Brand/ Specialty) (HDP) a of$1 mods for a max of $100 Core – $0/$25/$50/$0 (HDP) il:$50/$115 Retail: $51$201$40 Core$251$50 Premium- (Nexium) Basi- $O/$30/$50/$O $201$35 Same coverage options Hired before 7/12006: Same coverage options as active employees- 100% of premium for Discontinued eligibility Requires 10 years of Continuation of medical does not extend to employees retiring with r con for future total service priors is Same benefits for benefits for City dependents. OWASA's 20 or more yrs. of s eff. /l /09 to new hires eft. 7/1/12 or 20 years retirees. Must have 15 employees who have premium contribution is Same coverage options Same coverage options service. Hired 7 /12006 eas o, but still have retirees on continuous service yrs of svc to be eligible completed 15 years of based on years of If hired before 7/1 /05, as active employees- or thereafter 100% of the plan. hired after 7/1/12 1 for 50% subsidy towards service with the City, service and age at time 100% paid coverage. does not extend to premium for employees Same coverage as for 100% coverage. Same coverage as premiums. Amt have retired directly from of retirement. Requires 10 years of dependents; premium retiring with 30 or more alive employees County pay $50% after 20 Set up retirement health Retiree Medical Coverage (Pre -65) May be eligible for 50% alive employees of sub of subsidy goes up 5% None City service with 10 years of service at total service on or after contribution is based on yrs. of service. The 10 -15 Yrs 50% Subsidy years, 75% after 25 years, savings plan for new coverage if disabled or for each addt'I year. At eligibility for immediate age 60 = 50% 7/1/05 @ 50 %cost of years of service and age retiree pays 100% of 15 -20 Yrs 75% Subsidy and 100% after 30 years employees; no other aver 65 at retirement 25 yrs, revs 100% retirement benefits, and 15 years of service at coverage, 15 years at time of retirement dependent cost. 20 + yrs = 100% Subsidy retiree health benefits with 5 or 10 years of subsidy towards indiv el elect to receive age 60 = 75% service ic 7@ 1 Retirees must complete service premium immediate payment of 20 years of service at 0 years service @ 100 %. HRA to get Co. All County retiree health as alive employees. benefits under the plan. age 60 or 30 years of contribution of 100 %- contributions were held Same premiums service at any cost of Core premium; flat moving forward. age =100% otherwise Co. pays 95% of Basic option. Part D and Plan J 100% of Medicare Part Employer Contribution 100% paid coverage in 100% of Medicare Part D and Plan F Requires Post-65 are enrolled in based on years of servi Medicare Advantage D and Plan F cost if Medicare supplement for 10 years of total service Medicare Part D and ce and age at the time of Plan If hired before hired before 7/12006 employees with at least prior to 7/1/12 or 20 Medicare supplement rMiremeMlO years of 7/1/05. Requires 10 Refer to our plan's (Blue with 20 or more yrs. of years service. City pays Retiree Medical Covens Post -65 Coverage ( ) Years continuous Service Medicare Supplement coverage. Subsidy li is None Medicare Supplement Service at age 60 = 50% years of total Service on Crass Blue Shield Service. 100 %of $93 -$109 per month None Same benefits a5 if hired on or after 7 /1/12 plan the same and i5 applied plan 15 years of service at or after 7 /1/05 @ 50% la NC) Supplemental plant ) su Medicare Part D and based upon age of Pre65 retirees for 100% coverage. to the cost of age 60 = 75% cost of coverage, 15 through broker Plan F cost if hired retiree Eligible for 50% Supplement Voice 20 years of service at years service @ 75 %, 7/12006 or thereafter coverage if disabled or age 60 or 30 years of 20 years service @ with 30 or more yrs. of age 65 at retirement. service at any 100 %. service. age =100%