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<br />I -\) <br />( ); <br />City of '" <br />t:1J{ <br /> <br />e <br /> <br />e <br /> <br /> <br />"\,. <br /><, <br />"',,' <br />;..~~..... .. <br />:..._,.' <br /> <br />CITY EJv.[pLOYEES <br /> <br />l. " <br />..::' ~\A.' e-'~ <br />' ....."1"'. <br /> <br />q. <br /> <br />P.O. Box 490 · 13065 Orono Parkway · Elk River, MN 55330 · (612) 441-7420 . Fax: (612) 441-7425 <br /> <br />TO: <br /> <br /> <br />FROM: <br /> <br />LORI JOHNSON, FINANCE DIRECTOR <br />OCTOBER 5, 1993 <br />SUBJECT: DENTAL INSURANCE <br /> <br />DATE: <br /> <br />The increasing cost of health and dental insurance is a major issue to most employees. All <br />employees want good coverage at a minimal cost. In an effort to reduce premiums while <br />maintaining quality coverage, the City will be changing dental insurance companies on <br />January 1, 1994. Coverage with Delta Dental will be terminated and Health Partners <br />(formerly Group Health) will take over. <br /> <br />Under the new plan with Health Partners, the aggregate value of benefits is increased and <br />the premium decreases. As you can see from the Summary of Benefits and Premiums on <br />the back of this memo, dental insurance benefits increase in several areas: First, sealants <br />are now covered. Second, there is no deductible. Third, there is no annual maximum limit <br />of benefits that can be paid. The family premium for this coverage decreases $4.65 per <br />month and single coverage decreases $1.12 per month. An employee selecting family <br />coverage will save $55.80 per year. <br /> <br />Not only will the dental premiums decrease, health insurance premiums will automatically' <br />decrease five percent on January 1 due to this change. Coverage will remain the same <br />while the family premium will decrease $26.48 per month and the single premium will <br />decrease $8.36 per month. An employee selecting family health insurance will save <br />$331.20 per year; a savings of $373.56 per year if an employee also selects family dental <br />insurance. The annual savings to City employees is estimated to be around $6,550.00. <br /> <br />Finally, enrollment information for Health Partners dental insurance will be distributed in <br />November; at that time you.will receive a list of all dentists in the Health Partners <br />network. If you have questions prior to that time, please contact me. <br />