Orange County NC Website
Browse       Search
u <br />Comparison of 2014 Orange County Health Plans <br />Dependent Coverage <br />In addition to the cost of employee /retiree coverage, the County has also subsidized the <br />premium cost for the employee's and pre -65 retiree's dependent coverage at 52 %, based on the <br />lower priced plan (currently the HDP plan). This subsidy is approved each year when the health <br />renewal package is approved. The percentage of dependent subsidy has remained the same for <br />over ten years. When premiums increase, employees and retirees with dependent coverage <br />also have higher costs because they pay 48% of the cost of dependent coverage. <br />Employee cost for dependent coverage is directly tied to the total cost of the lower- priced plan, <br />currently the HDP. While all employees must weigh the risks associated with each plan by <br />comparing their potential out of pocket costs, employees with dependents must also factor in the <br />cost of premiums for their family members' coverage. <br />A -3 <br />Point of Service Plan <br />High Deductible Plan <br />100% covered <br />Yes <br />Yes <br />preventive care <br />Co -Pays for Office <br />Visits and <br />Yes, $20 primary care <br />No; 100% co- insurance <br />Prescriptions <br />and $40 specialist <br />until the deductible is met <br />$500 /individual, $1,500/ <br />Deductible <br />family, exclusive of <br />$1,500 /individual, <br />prescriptions and office <br />$3,000 /family <br />visit co -pays <br />County contribution to <br />In 2014, employees <br />deductible and co- <br />No <br />received $1,416 Health <br />Savings Account <br />insurance <br />contribution <br />Co- Insurance (20% of <br />$1,000 individual, <br />charges after the <br />$3,000 family, exclusive <br />Yes, $2,000 for individual <br />deductible is met) <br />of prescriptions and <br />and family <br />office visit co -pays <br />Maximum Out of <br />Pocket (includes <br />$1,500 individual <br />$3,500 individual <br />deductible and all co- <br />$4,500 family <br />$5000 family <br />pays /co- insurance) <br />Medical FSA ($27500 <br />Child /dependent care FSA <br />Flexible Spending <br />maximum) and <br />($5,000 maximum) <br />Account (FSA) <br />Child /dependent care <br />FSA ($5,000 maximum) <br />No Medical FSA <br />Health Savings <br />Not available <br />$3,300 maximum /individual <br />Account <br />$6,550 maximum /family <br />Dependent Coverage <br />In addition to the cost of employee /retiree coverage, the County has also subsidized the <br />premium cost for the employee's and pre -65 retiree's dependent coverage at 52 %, based on the <br />lower priced plan (currently the HDP plan). This subsidy is approved each year when the health <br />renewal package is approved. The percentage of dependent subsidy has remained the same for <br />over ten years. When premiums increase, employees and retirees with dependent coverage <br />also have higher costs because they pay 48% of the cost of dependent coverage. <br />Employee cost for dependent coverage is directly tied to the total cost of the lower- priced plan, <br />currently the HDP. While all employees must weigh the risks associated with each plan by <br />comparing their potential out of pocket costs, employees with dependents must also factor in the <br />cost of premiums for their family members' coverage. <br />A -3 <br />