Your negotiations team put together the following health and welfare benefits package in cooperation with district representatives on Tuesday, June 5.  Both parties worked together to offer health plans that would give our membership choices.

 

Please be aware that health care costs are up 14% with no relief in sight.  Our membership surveys indicated that a majority of members wanted little or no payroll deduction.  The plans have been modified from 2006-2007 to reflect this request.  Your district is now paying $9,194.00 towards your health and welfare benefits.  We also negotiated a reduction in your benefit package monthly cost.  For the 2007-2008 school year, each employee shall receive a $200 benefit package cost-augmentation based upon savings generated by reduced premiums for dual-insured employees and by the unapplied IRC 125 contributions.  If you choose  health plan  Choice #1 or #2, the augmentation shall be used to reduce the tenthly payroll deduction of the insurance package cost that exceeds the District’s contribution.  For employees who opt for Choice #3, the augmentation shall be used to reduce the tenthly payroll deduction to $0 with the unused portion of the $200 to be paid to the employee.  Employees who opt for Choice #4 shall receive $200 in lieu of premium payments.  These reductions have been factored into your plans already. 

 

Your negotiations team representatives are knowledgeable on these health care plans.  If you have any further questions, please contact a team member or the district’s insurance representatives.  Team members are:  Dan Sharon, Liberty ; Robert Skinner, PRHS; Tim Gearhart, Lewis; Sue Knupper, Flamson; Lisa Tate, Kermit King; Kathleen Saxby, Bauer/Speck; and Brigid Woods, Winifred Pifer.

 

Please bring your questions to our general meeting after the welcome back breakfast in August.  You will be asked to make a decision on your health care choice during the first few weeks of school.

 

 

2006-2007 Current Health Benefit Plans for full-time employees

 

Choice 1:  Blue Cross PBC 90% Plan C

 

                 Deductible:  $200 individual/$500 family

 

                 Co-Insurance:  $300 per individual

 

                 Co-Pay:  $20

 

                 RX:  $3 generic/$15 brand names

 

All plans  include:  vision, dental, income protection, and behavioral health services

 

Employee monthly payroll deduction:  $153.15 (incentive dental) or $155.07 (DPO dental)

 

 

Choice 2:  Blue Cross PBC 90% Plan E

 

                 Deductible:  $300/$600

 

                 Co-Insurance:  $600/$1800

 

                 Co-pay:  $30

 

                 RX:  $5/15/35

 

Employee monthly payroll deduction:  $20.30 or $22.22

 

 

Choice 3:  Blue Cross PBC 80% Plan C

 

                 Deductible:  $200/500

 

                 Co-Insurance:  $500/1500

 

                 Co-pay:  $30

 

                 RX:  5/15/35

 

Employee monthly payroll deduction: $37.95 or $39.87

 

 

Choice 4:  Blue Cross PBC 80% Base Plan (for dual insured certificated district employees only)

 

                 Deductible: $2000/4000

 

                 Co-Insurance: $3000/6000

 

                 Co-pay:  $30

 

                 RX:  $10/200/35

 

Employee monthly payroll deduction: $0

 

Employee Medical Reserve Account:  $1672.50/1653.30

 

One time paycheck credit:  $87.15/$111.15 

 

 

 

2007-2008 Health Benefit Plans for full time employees

 

 

Choice 1:  Blue Cross PBC 100% Plan C

 

                 Deductible:  $200 individual/$400 family

 

                 Co-insurance:  $0

 

                 Co-pay:  $30

 

                 RX:  $3 generic/$15 brand names

 

All plans include:  vision, dental, income protection, and behavioral health services

 

Employee monthly payroll deduction:  $221.35 (incentive dental) or $223.27 (DPO dental)

 

You may want to consider this plan if you spend a lot of money on medications or you have planned hospital visits in 2007-2008.  You may want this to ensure that you and your family are covered 100% less deductible, copays, and RX costs.

 

 

Choice 2:  Blue Cross PBC 90% Plan E

 

                 Deductible:  $300/600

 

                 Co-Insurance: $600/$1800

 

                 Co-pay:  $30

 

                 RX :  10/200/35

 

New this year is a deductible for medicines.  The $200 deductible applies only to brand name medicines.  This plan encourages the use of generics.  The deductible is applied during the calendar year.  Our  health coverage occurs during two calendar years.  Employees need to be advised to order by mail all their brand name medicines before October 1, 2007 to avoid reaching the deductible twice in 2007 and 2008.  The deductible is $200 individual/$500 family.

 

Employee monthly payroll deduction:  $7.75 or $9.67

 

You may want to consider this plan if  you use generic medication and have small brand name medication costs. You will not spend more than $2400 in deductible and Co-insurance costs.  You could  reach these limits slower on a 90% plan.

 

 

Choice 3:  Blue Cross PBC 80% Plan G

 

                 Deductible: $500/1000

 

                 Co-Insurance:  $1000/3000

 

                 Co-pay: $30

 

                 RX:  $5/15/35

 

Employee monthly payroll deduction: $0 with a rebate check of $78.50 or $59.30

 

You may want to consider this plan if you do not want to pay anything out of your monthly paycheck.  It is a good plan if you have brand medication needs.  You will not spend more than $4000 in deductible and Co-insurance costs.  You could reach these limits quicker on an 80% plan.

 

 

Choice 4:  Blue Cross PBC 80% Base Plan (Dual insured certificated district employees only)

 

                 Deductible: $2000/4000

 

                 Co-Insurance:  $3000/6000

 

                 Co-pay: $30

 

                 RX:  10/200/35

 

Employee monthly payroll deduction: $0

 

Employee Medical Reserve Account:  $1402.50 or $1383.30

 

Each employee under this plan will receive a check for $200 in lieu of premiums for 07-08