Active Dependents

Active Employees

Retiree Dependents

Retirees

Total Lives Covered: 51,371

25,232

20,435

1,515

4,189

Total Lives Covered: 51,371

Salary Issues. Picking a Plan Design. Pharmaceuticals.

Respondents pointed to no across-the-board pay increases for the past three years and felt that their take-home pay has been reduced as a result of premium increases each year.

Respondents feel they have limited choices and many don’t want to pay for services they don’t use.

There was a great deal of concern about the significant increase in out-of-pocket expenses if we switched from a co-payment plan to a “co-insurance” plan. Participants pay a percentage of the cost

of medication each time a prescription is filled rather than a co-pay (e.g., $14 generic).

Plan pays 80% of allowable charges after you meet your deductible.

The benefit is limited to $800 per insured per benefit period.

Plan pays 80% of allowable charges after you meet your deductible.

The benefit is limited to $15,000 per insured per benefit period.

Within the network the plan pays 85% of allowable charges after you meet your deductible.

There is a $150,000 lifetime benefit limit.

Plan pays 80% of allowable charges after you meet your deductible.

The benefit is limited to $2000 per lifetime.

Plan pays 80% of allowable charges after you meet your deductible.

The benefit is limited to $350,000 lifetime maximum per insured.

Within the network the plan pays 85% of allowable charges after you meet your deductible

Outside of the network the plan pays 70% of allowable charges after you meet your deductible.

All plans have a $350,000 lifetime maximum per insured in-network and out-of-network combined.