1. 2009 Health Insurance Plan Options
11/12/2018

2. Overview We continue to face increasing costs for health insurance
Initial increase from Blue Cross was 15.6%
Benefits Committee worked with our consultants to make changes to current plans to reduce increase
Negotiated increase with plan design changes 8.2%
11/12/2018

3. Key Points All three plans cover same health services
All three plans offer same network of doctors, clinics and hospitals
Plans differ in what employee pays in out-of-pocket expenses including premiums
The out-of-pocket maximums differ with each plan
All three plan offer same prescription drug coverage and co-pays
All plans offer preventive care benefits
11/12/2018

4. Changes to the Aware Gold Plan
Change Description
Current 2008
Effective 2009
Office Copayment
$30
$35
Prescription Co-pays
$15/30/45
$15/35/55
11/12/2018

5. Changes to Aware PPO Plan
Change Description
Current 2008
Effective 2009
Office Copayment
$30
$35
Prescription Co-pays
$15/30/45
$15/35/55
11/12/2018

6. Changes to Options Blue Plan
Change Description
Current 2008
Effective 2009
Prescription Co-pays
$15/30/45
$15/35/55
Prescription Out-of-Pocket Maximums
$500 Single $750 Family
$750 Single $1,000 Family
HRA Reimbursements
Paid to employee
Paid directly to provider (opt out option available)
11/12/2018

7. 2009 Premiums
Per Month
Per Bi-Weekly Payroll
Annual Premium
AG Single
$151.65
$69.99
$1,819.80
AG Single + One
$318.65
$147.07
$3,823.80
AG Family
$498.40
$230.03
$5,980.80
PPO Single
$104.82
$48.38
$1,257.84
PPO Single + One
$221.38
$102.18
$2,656.56
PPO Family
$349.52
$161.32
$4,194.24
OB Single
$72.74
$33.57
$872.88
OB Single + One
$148.24
$68.42
$1,778.88
OB Family
$223.88
$103.33
$2,686.56
11/12/2018

8. Resources Health Plan Selector tool available on HR web site
Blue Cross and Blue Shield web site –
Blue Cross and Blue Shield Customer Service – (866)
One on One appointments scheduled with Kerstin or Linda during the open enrollment period
11/12/2018

9. Dental Insurance Update
No change in plan design for either plan for 2009
No change in premiums for either plan for 2009
11/12/2018

10. On-line Enrollment Process
2009 is an active enrollment year. Every employee will need to enroll or waive coverage using the on-line tool.
No paper enrollment forms will be sent out.
Open Enrollment will run from November 3 through November 14.
11/12/2018

11. On-line enrollment…what you’ll need.
Your log-in and password will be a combination of your name and your social security number.
Name: Josephine Sample
SSN:
log-in: samplej6789
password:
(you will be prompted to change your password once you log-in)
Social Security numbers for all of your dependents
System provides bank level security to protect all of your information
11/12/2018