Concerns

Salary Issues.
Loss of pay increases as a result of premiums has been addressed.

Picking a Plan Design.

Respondents feel they have limited choices and many dont want to pay for services they dont use.

Pharmacuticals.
Addressed increase out of pocket expenses.

1. Participants pay a percentage of the cost of medication each time a prescription is filled rather than a co-pay (e.g., $14 generic).

Benefit
Outpatient Physical Therapy

Traditional Plan
Plan pays 80% of allowable charges after you meet your deductible. The benefit is limited to $800 per insured per benefit period.

PPO1 in-network
See Outpatient Therapy Services

PPO1 out-of-network
N/A

Inpatient Physical Therapy

Plan pays 80% of allowable charges after you meet your deductible. The benefit is limited to $15,000 per insured per benefit period.

Plan pays 85% of allowable charges after you meet your deductible. There is a $150,000 lifetime benefit limit.
N/A

N/A

Temporomandibu lar Joint Syndrome (TMJ)

Plan pays 80% of allowable charges after you meet your deductible. The benefit is limited to $2000 per lifetime. Plan pays 80% of allowable charges after you meet your deductible. The benefit is limited to $350,000 lifetime maximum per insured.2

N/A

Transplant Sevices

Plan pays 85% of allowable charges after you meet your deductible.

Plan pays 70% of allowable charges after you meet your deductible.

1. There is a $350,000 lifetime maximum per insured in-network and out-of-network combined. 2. There is an additional $5,000 living expenses benefit.