This table represents the companies last best and final offer for health insurance. Switching to Pacificare represents significant cost savings for the company. The company's last best and final also includes an employer's annual cap for cost increases. NOTE beginning September 1, 2006, the employer will pay up to 20% of the annual increase in medical cost contributions. An annual increase over 20% will be paid by the employee.
|
Blue Cross Present Plan |
Kaiser Current Laidlaw's Proposal Keep Current Plan |
Pacificare Option 1 Effective 1/1/06 Laidlaw's Proposal |
|
|
Deductible |
None |
None |
None |
|
Stop Loss |
|||
|
Individual |
$500 |
$1,500 |
$2,000 |
|
Family |
$1,500 |
$3,000 |
$6,000 |
|
---------------------------------------------------Physician Services ---------------------------------------- |
|||
|
Office Visit |
$0 co-pay |
$5 co-pay |
$10 co-pay |
|
Routine Physical |
$0 co-pay |
$5 co-pay |
$10 co-pay |
|
Well Child Exam |
$0 co-pay |
$5 co-pay |
No Charge if < 2yr old. |
|
Well Woman Exam |
$0 co-pay |
$5 co-pay |
$10 co-pay |
|
Diagnostic & X-ray |
No charge |
No charge |
No charge |
| Injectable Drugs | N/A | N/A | $50 co-pay; does not apply to allergy serum, immunization, birth control, infertility or insulin. (see union rep for more info) |
|
Mammogram |
No charge |
No charge |
N/A |
|
----------------------------------------------------Hospital Services------------------------------------------ |
|||
|
In-patient Services |
No charge |
No charge |
No charge |
|
Out-patient Surgery |
No charge |
$5 co-pay |
No charge |
|
Emergency Room |
$25 co-pay |
$5 co-pay |
$50 co-pay |
|
Waived if admitted |
Yes |
Yes |
Yes |
|
----------------------------------------------------------Prescription Drugs----------------------------------- |
|||
|
Brand Name |
$5 co-pay |
$5 co-pay |
$10 co-pay |
|
Generic |
$2 co-pay |
$5 co-pay |
$5 co-pay |
|
Non-formulary |
N/A |
N/A |
N/A |
* For further detail on items such as chiropractic care (Pacificare will include a chiropractic rider), mental health coverage, mail order prescription drug costs, and other items - please contact a union official.
* Dental care. As both Prudent Buyer an Dental Net are both Blue Cross plans there is the possibility that these plans may change. There seem to be many comparable plans available and we are working with the company on this issue. The last best and final calls for keeping the current plans or finding equivalent plans.
* The current contract premium rates will still apply. However the Pacificare (currently Blue Cross) rate and the Kaiser rate will be switched, i.e. Kaiser's premium will be slightly less.