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I2006 Health Plan Amendments <br /> Out of Pocket Maximum: The in-network out of pocket maximum will be reduced from <br /> 110 $2,500 to $1,500 per calendar year. <br /> Emergency Room Copay: The emergency room copay will increase from $60 to $75. <br /> Pharmacy Network: The current National Drug Network is being replaced with the <br /> I <br /> Select Drug Network. <br /> Prescription Drug Benefit: The prescription drug benefit will change to a 3-tier benefit-- <br /> $5 Copay for generics, $30 Copay for formulary brand names, and $45 Copay for non- <br /> ' formulary brand names with mandatory generic. <br /> Health Plan Cost Control Options <br /> IThe following options for cost reduction/control are available: <br /> 1.) Change plan products within the Cooperative <br /> I <br /> • BCBS CMM $15 Copay Plan (see attached benefit summary) <br /> Avg Rates: $293.00/Single, $1,105.00/Family <br /> • BCBS CMM $25 Copay Plan (see attached benefit summary) <br /> I <br /> Avg Rates: $287.50/Single, $1,084.50/Family <br /> • BCBS $300 Deductible CMM Plan (see attached benefit summary) <br /> Avg. Rates: $276.00/Single, $1,041.00/Family <br /> I • Other options also available—will discuss at renewal meeting <br /> 2.) Conduct a market search for plan bids outside the Cooperative <br /> I <br /> • Review plans and rates from other carriers <br /> • This will require employees to complete applications and/or waivers <br /> III 3.) Review internal contribution strategy <br /> • Regional benchmarking compared to current <br /> Example: Minnesota union employers pay 82.5% of the average single <br /> premium. For non-exempt clerical and technical employees, Minnesota <br /> employers pay 77.3% of the average single premium. <br /> Source: Employers Association, 2005/2006 Policies and Benefits Survey <br /> I <br /> • National benchmarking compared to current <br /> Most of the above options were seriously considered and reviewed during the 2005 <br /> I <br /> renewal process last year. However, no decisions were made at that time. <br /> Thank you for this opportunity to present your 2006 health plan renewal! Please contact <br /> I <br /> me with any questions you may have regarding the attached materials. <br /> Sincerely, <br /> I <br /> IJodi Berge CEBS <br /> Enc. <br /> II I II <br /> 3 <br />