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a~ <br />Option 1 Buy U p Pla n <br /> Current Renewal Current Renewal <br /> Health Benefiffi PPO PPO' HMO HMO' <br /> Primary Care Provider Copay 515 $15 515 515 <br /> SpedaC~st Copay S30 S30 S30 S30 <br /> Emergency Room Copay 5150 5150 5750 5150 <br /> Individual Deductible (IN / OON) 5250 /500 5250 /500 5250 5250 <br /> 51,000 / 51,000 / <br /> Coinsurance Maximum (IN / OON) 2,000 2,000 SO $0 <br /> Family Maximums 3 times 3 times 3 times 3 times <br /> Coinsurance (IN / OON) 90% / 70% 90% / 70% 100% 100% <br /> OP Lab & Mammograms (IN / OON) 100% 100% 100% 100% <br /> Preventive Care Program (IN / OON) 100% / 0% 100% / 0% 100% 100% <br /> Retail Drug Copay (30 Day Supply) 55-15-30 55-15-30 $5-15-30. 55-15-30 <br /> Mail Order Drug Copay (90 Day <br /> Supply) $13-2Cr60 513-26-60 513-26-60 513-26-60 <br /> V'~sion - E e Exam Deductible 15 15 15 15 <br />Option 1 "Buy Up Plan" Employee pays monthly premium <br />when choosing the higher level plan or selects core plan at no <br />premium cost <br />Advantages <br />^ Addresses inequity <br />between the cost of two <br />plans <br />^ Allows choice of plan <br />best meeting employee <br />needs <br />^ Controls claims by cost <br />sharing (paying for a <br />___p.r_em.ls~m_9rsQ-____ <br />insurance) because <br />more attention is paid <br />to out of pocket costs. <br />Disadvantages <br />^ Affects 877 HMO <br />employees who must <br />decide to pay, even for <br />employee only <br />coverage, or to receive <br />the same benefits as <br />the PPO at no cost <br />^ The County saves but <br />the em loyees' benefits <br />__ <br />--are re ucedin tfie no- <br />cost option. <br />^ Increases the costs for <br />HMO dependents more <br />than the renewal rate. <br />