2017-08-17 Health Insurance ComparisonThe Village of North Palm Beach GEHRING GROUP Employee Benefits EE/ER Cost Comparison L " `> aij"+a` ° g AUG LVtla Effective Date: October 1, 2017.' •'' '' v t ,_ 1 Received Current HDHP HMO Base - HDHP PPO & HMO Buyup HEALTH HMO Plan Total United Healthcare Employer Employee Total Florida Blue Employer Employee 24 Pay Periods EE Per Pay HMO HMO BASE PLAN 126/127 Employee Only 22 $583.24 $583.24 $0.00 $465.10 $465.10 $0.00 $0.00 Employee +One Dependent 11 $1,108.16 $1,003.18 $104.98 $1,037.91 $882.22 $155.69 $77.84 Employee + Family 21 $1,662.23 $1,446.43 $215.80 $1,360.62 $1,156.53 $204.09 $102.05 54 N/A PPO Buy -UP Plan 05182/05183 Employee Only 16 $533.08 $453.12 $79.96 $39.98 Employee+ One Dependent 8 $1,174.76 $998.55 $176.21 $88.11 Employee + Family 15 $1,540.01 $1,309.01 $231.00 $115.50 39 N/A HMO Buy -Up Plan 67 Employee Only 16 $517.30 $439.71 $77.60 $38.80 Employee +One Dependent 8 $1,231.17 $1,046.49 $184.68 $92.34 Employee + Family 1S $1,613.98 $1,371.88 $242.10 $121.05 Health Savings Account 39 N/A H.S.A on HDHP Plans Employee Only 38 $1,500 $1,500 $0.00 Employee + Family SS $3,000 $3,000 $0.00 MONTHLY PREMIUM 93 $18,500 $18,500 $0.00 ANNUAL PREMIUM $222,000 $222,000 $0.00 TOTAL MEDICAL PREMIUM 132 MONTHLY PREMIUM $146,189 $132,349 $13,840 $152,086 $133,583 $18,503 N/A ANNUAL PREMIUM $1,754,268 $1,588,185 $166,083 $1,825,027 $1,602,991 $222,036 N/A $INCREASE N/A N/A N/A $70,759 $14,806 $55,953 N/A INCREASE DENTAL N/A N/A N/A 4.0% 0.9% 33.7% N/A DHMO Total Employer Employee Total Employer Employee EE Per Pay Employee Only $14.88 $14.88 $0.00 $14.88 $14.88 $0.00 $0.00 Employee + Family $43.62 $37.87 $5.75 $43.62 $37.87 $5.75 $2.88 PPO Total Employer Employee Total Employer Employee EE Per Pay Employee Only $31.78 $14.88 $16.90 $31.78 $14.88 $16.90 $8.45 Employee + Family $95.54 $37.87 $57.67 $95.54 $37.87 $57.67 $28.84 TOTAL DENTAL PREMIUM MONTHLY PREMIUM $5,946 $3,826 $2,120 $5,946 $3,826 $2,120 N/A ANNUAL PREMIUM $71,355 $45,916 $25,438 $71,355 $45,916 $25,438 N/A $INCREASE N/A N/A N/A $0 $0 $0 N/A %INCREASE VISION N/A N/A N/A 0.0% 0.0% 0.0% N/A Total EyeMed Employer Employee Total EyeMed Employer Employee 12 Pay Periods EE Per Pay Employee Only $6.67 $0.00 $6.67 $6.67 $0.00 $6.67 $6.67 Employee + Spouse/One $12.69 $0.00 $12.69 $12.69 $0.00 $12.69 $12.69 Employee + Family $18.62 $0.00 $18.62 $18.62 $0.00 $18.62 $18.62 TOTAL VISION PREMIUM MONTHLY PREMIUM $713 $0 $713 $713 $0 $713 N/A ANNUAL PREMIUM $8,558.28 $0 $8,558 $8,558.28 $0 $8,558 N/A $INCREASE N/A N/A N/A $0 $0 $0 N/A INCREASE LIFE/AD&D N/A N/A N/A 0.0% 0.0% 0.0% N/A Benefits Volume $7,310,000 $7,310,000 $0 $7,310,000 $7,310,000 $0 $0 Life $0.120 $0.120 $0.00 $0.120 $0.120 $0.00 $0.00 AD&D $0.025 $0.025 $0.00 $0.025 $0.025 $0.00 $0.00 TOTAL LIFE/AD&D PREMIUM MONTHLY PREMIUM $1,060 $1,060 $0 $1,060 $1,060 $0 N/A ANNUAL PREMIUM LTD $12,719 $12,719 $0 $12,719 $12,719 $0 N/A Benefits Volume $675,293 Cigna $675,293 $0 $675,293 Cigna $675,293 $0 $0 LTD $0.43 $0.43 $0.00 $0.43 $0.43 $0.00 $0.00 TOTAL LTD PREMIUM MONTHLY PREMIUM $2,904 $2,904 $0 $2,904 $2,904 $0 N/A ANNUAL PREMIUM $34,845 $34,845 $0 $34,845 $34,845 $0 N/A TOTAL BENEFITS PREMIUM Total Employer Employee Total Employer Employee EE Per Pay MONTHLY PREMIUM $156,812 $140,139 $16,673 $162,709 $141,373 $21,336 N/A ANNUAL PREMIUM $1,881,746 $1,681,666 $200,079.91 $1,952,504.64 $1,696,471.80 $256,032.84 N/A $INCREASE N/A N/A N/A $70,759 $14,806 $55,953 N/A %INCREASE N/A N/A N/A 3.76% 0.88% 27.97% N/A The Village of North Palm Beach Medical Insurance Renewal Evaluation Effective Date: October 1, 2017 Village Clain AUG 16 2017 DISTRIBUTED AT IMIEETING Re BASE BUYUP GEHRING AGROUP I NS U R AN C E BROKERS, & CONSU LT ANTS BUYUP Plan Basics In -Network Only In -Network Out -of -Network In -Network Only Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Calendar Year Deductible (CYD) Single $1,500 $1,500 $3,000 $1,000 Family $3,000 $3,000 $6,000 $3,000 Out of Pocket Maximum Includes All Costs Includes All Costs Includes All Costs Includes All Costs Single $3,000 $3,000 $6,000 $4,000 Family $6,000 $6,000 $12,000 $8,000 Coinsurance (Member Responsibility) 10% 10% 40% 0% Non Hospital Services Primary Care Physician CYD + 10% CYD + 10% CYD + 40% $25 Specialist CYD + 10% CYD + 10% CYD + 40% $45 Urgent Care Center CYD + 10% CYD + 10% CYD + 10% $50 Preventive Services No Charge No Charge 40% No Charge Advanced Imaging - CT, PET, MRI CYD + 10% CYD + 30% CYD + 40% $2S0 Hospital Services Inpatient Hospital CYD + 10% CYD+ 10% CYD + 40% $250 Per Day (Max $750) Outpatient Facility CYD + 10% CYD + 30% CYD + 40% $350 Physician Services at Hospital CYD + 10% CYD + 30% CYD + 10% No Charge Emergency Room (Waived if Admit) CYD + 10% CYD + 10% $250 Mental Health/Sub. Abuse Inpatient Hospital CYD + 10% CYD + 10% CYD + 40% No Charge Outpatient Services CYD + 10% CYD + 10% CYD + 40% No Charge Retail Pharmacy Plan Level 1 Generic Drugs Tier 1 - $10 After CYD Tier 1- $10 After CYD Tier 1 - $10 Level 2 Preferred Brand Drugs Tier 2 - $50 After CYD Tier 2 - $50 After CYD Tier 2 - $30 Level 3 Non -Preferred Brand Drugs Tier 3 - $80 After CYD Tier 3 - $80 After CYD In Networkd Ded + 50% Tier 3 - $50 Specialty Drugs Tier 1-3 Tier 1-3 Tier 1-3 Mail Order 2.5 x Retail Copay After CYD 2.5 x Retail Copay After CYD 2.5 x Retail Copay EE Per PaY EE Per Pay EE Per Pav Employee Only $0.00 $39.98 $32.09 Employee & One $77.84 $88.11 $92.34 Employee & Family $102.05 $115.50 $121.05 Health Savings Account Employee $1,500 I $1,500 $0 Family I $3,000 $3,000 $0