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

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HEALTH INSURANCE Currently the County offers two fully insured health insurance plans contracted through United Healthcare. Over 75% of employees participate in the Point of Service (POS) Choice Plus plan, which is frequently referred to as a traditional plan. The second plan is a High Deductible Health Plan paired with a Health Savings Account. Both plans allow services in and out of network. A history of employees enrolled in each plan, rate changes and plan changes to the health insurance are on the following pages. Both health insurance plans provide coverage for health care services but have the most value in the event of catastrophic illness or injury. Changing health insurance companies and plan designs provided the County an opportunity to encourage healthy behaviors that can lead to lower long -term health insurance costs. United Healthcare incentive programs to improve employee health are discussed in the Wellness Section below. The 2013 plan options available are a) Point of Service Plan (POS), referred to as a traditional plan because of its co -pays, deductible and co- insurance, and b) a High Deductible Plan (HDP) which is paired with a Health Savings Account (HSA). Health Savings Accounts provide a way to pay for medical expenses during the plan year, and in the future with portable, tax - advantaged funds. The premium for the POS is more expensive than the HDP. When Orange County implemented the High Deductible Plan in 2012, the County contributed the full difference between premiums to a Health Savings Account for employees electing the lower -cost HDP. In 2013, the County maintained the 2012 contribution of $1,237.20 ($103.10 /month) to the HSA. The charts below provide additional information regarding the two plans. Each plan offers advantages and disadvantages to employees, depending on the individual or family health care needs. Comparison of 2013 Orange County Health Plans MM Traditional Plan: Point High Deductible Plan/ of Service Plan Health Savings Account Choice Plus POS Definity HSA 100% covered Yes Yes preventive care Co -Pays for Office Visits and Yes, $20 primary care No; 100% co- insurance Prescriptions and $40 specialist until the deductible is met Deductible $500 /individual, $1,500/ family, exclusive of $1,500 /individual, prescriptions and office $3,000 /family visit co -pays County contribution to Yes, in 2013 $17237.20 deductible and co- None contributed to Health insurance Savings Account Co- Insurance (after $1,000 individual, Yes, $2,000 for individual the deductible is met) $3,000 family, exclusive and family of prescriptions and MM