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Untitled Document

Premium sharing chart

 

Actual Monthly University Contribution

Calendar Year 2004

By Plan and Tier for Employees

Health Insurance and Drug Insurance Coverages Combined

Tier 1

Tier 2

Tier 3

Plan

(1 Adult)

(2 Individuals)

(3 or more Individuals)

Care Choices HMO

$306

$585

$626

HAP HMO

$312

$596

$626

M-CARE HMO

$305

$582

$626

M-CARE POS

$340

$626

$626

BC/BS United

$480

$626

$626

CMM

$289

$552

$626

GradCare

$226

$432

$505

The second table on this page estimates what 2004 University contribution to premium rates, rounded to a $5 increment, would have been if the proposed changes were fully implemented for the coming year. These figures should be used with caution. Although they represent a presumption of the impact of the design changes and of moving to the target for the University to pay 85% of aggregate premium costs, they are not the rates in effect for Calendar Year 2004, nor will they be the actual rates for Calendar Year 2005. Given recent trends in health care costs, the University's and employees’ insurance co-premiums surely will be higher in 2005 than the 2004 illustrations in the table.

Example

Illustration of the impact of proposed changes

Estimated Monthly University Contribution

Calendar Year 2004

By Plan and Tier for Employees and Non-Medicare Eligible Retirees

Health Insurance and Drug Insurance Coverages Combined

Tier 1

Tier 2

Tier 3

Tier 4

Plan

(1 Adult)

(1 Adult + child(ren))

(2 Adults)

(2 Adults + child(ren))

Care Choices HMO

$290

$420

$530

$725

HAP HMO

$290

$420

$530

$725

M-CARE HMO

$290

$420

$530

$725

M-CARE POS

$290

$420

$530

$725

BC/BS United

$290

$420

$530

$725

CMM

$280

$420

$530

$725

GradCare

$220

$340

$435

$615

Actual Monthly Employee Contribution

Calendar Year 2004

By Plan and Tier for Employees

Health Insurance and Drug Insurance Coverages Combined

Tier 1

Tier 2

Tier 3

Plan

(1 Adult)

(2 Individuals)

(3 or more Individuals)

Care Choices HMO

$16

$31

$92

HAP HMO

$16

$31

$106

M-CARE HMO

$16

$31

$89

M-CARE POS

$18

$56

$171

BC/BS United

$25

$338

$500

CMM

$15

$29

$52

GradCare

$12

$23

$27

The second table on this page estimates what 2004 employee or retiree contribution rates, rounded to a $5 increment, would have been if the proposed changes were fully implemented for the coming year. These figures should be used with caution. Although they represent a presumption of the impact of the design changes and of moving to the target for the University to pay 85% of aggregate premium costs, they are not the rates in effect for Calendar Year 2004, nor will they be the actual rates for Calendar Year 2005. Given recent trends in health care costs, the University's and employees’ insurance co-premiums surely will be higher in 2005 than the 2004 illustrations in the table.

Example

Illustration of the impact of proposed changes

Estimated Monthly Employee or Retiree Contribution

Calendar Year 2004

By Plan and Tier for Employees and Non-Medicare Eligible Retirees

Health Insurance and Drug Insurance Coverages Combined

Tier 1

Tier 2

Tier 3

Tier 4

Plan

(1 Adult)

(1 Adult + child(ren))

(2 Adults)

(2 Adults + child(ren))

Care Choices HMO

$15

$50

$80

$135

HAP HMO

$20

$55

$90

$150

M-CARE HMO

$15

$50

$80

$135

M-CARE POS

$55

$110

$160

$250

BC/BS United

$120

$210

$290

$430

CMM

$5

$20

$40

$80

GradCare

$5

$10

$20

$25

Actual Monthly University Contribution

Calendar Year 2004

By Plan and Tier for Medicare-Eligible Retirees

Health Insurance and Drug Insurance Coverages Combined

Tier A

Tier B

Tier C

Tier D

Tier E

Plan

1 Person Medicare Eligible

2 Persons All Medicare Eligible

3+ Persons All Medicare Eligible

2 Person Mixed (1 Not Medicare Eligible and 1 Medicare Eligible)

3+ Person Mixed (at least 1 Not Medicare Eligible and at least 1 Medicare Eligible)

Care Choices HMO

$278

$557

$835

$584

$759

HAP HMO

$281

$561

$842

$593

$769

M-CARE HMO

$268

$536

$804

$573

$742

M-CARE POS

$268

$536

$804

$608

$781

BC/BS United

$309

$618

$927

$789

$998

CMM

$289

$578

$867

$578

$756

The second table on this page estimates what 2004 University contribution to premium rates, rounded to a $5 increment, would have been if the proposed changes were fully implemented for the coming year. These figures should be used with caution. Although they represent a presumption of the impact of the design changes and of moving to the target for the University to pay 85% of aggregate premium costs, they are not the rates in effect for Calendar Year 2004, nor will they be the actual rates for Calendar Year 2005. Given recent trends in health care costs, the University's and retirees’ insurance co-premiums surely will be higher in 2005 than the 2004 illustrations in the table.

Example

Illustration of the impact of proposed changes

Estimated Monthly University Contribution

Calendar Year 2004

By Plan and Tier for Medicare-Eligible Retirees

Health Insurance and Drug Insurance Coverages Combined

Tier A

Tier B

Tier C

Tier D

Tier E

Plan

1 Person Medicare Eligible

2 Persons All Medicare Eligible

3+ Persons All Medicare Eligible

2 Person Mixed (1 Not Medicare Eligible and 1 Medicare Eligible)

3+ Person Mixed (at least 1 Not Medicare Eligible and at least 1 Medicare Eligible)

Care Choices HMO

$275

$500

$690

$560

$710

HAP HMO

$275

$500

$690

$560

$710

M-CARE HMO

$275

$500

$690

$560

$710

M-CARE POS

$275

$500

$690

$560

$710

BC/BS United

$275

$500

$690

$560

$710

CMM

$275

$500

$690

$560

$710

Actual Monthly Retiree Contribution

Calendar Year 2004

By Plan and Tier for Medicare-Eligible Retirees

Health Insurance and Drug Insurance Coverages Combined

Tier A

Tier B

Tier C

Tier D

Tier E

Plan

1 Person Medicare Eligible

2 Persons All Medicare Eligible

3+ Persons All Medicare Eligible

2 Person Mixed (1 Not Medicare Eligible and 1 Medicare Eligible)

3+ Person Mixed (at least 1 Not Medicare Eligible and at least 1 Medicare Eligible)

Care Choices HMO

$15

$29

$44

$31

$39

HAP HMO

$15

$30

$44

$31

$40

M-CARE HMO

$14

$28

$42

$30

$39

M-CARE POS

$14

$28

$42

$32

$41

BC/BS United

$16

$33

$49

$42

$53

CMM

$15

$30

$46

$30

$40

The second table on this page estimates what 2004 employee or retiree contribution rates, rounded to a $5 increment, would have been if the proposed changes were fully implemented for the coming year. These figures should be used with caution. Although they represent a presumption of the impact of the design changes and of moving to the target for the University to pay 85% of aggregate premium costs, they are not the rates in effect for Calendar Year 2004, nor will they be the actual rates for Calendar Year 2005. Given recent trends in health care costs, the University's and retirees’ insurance co-premiums surely will be higher in 2005 than the 2004 illustrations in the table.

Example

Illustration of the impact of proposed changes

Estimated Monthly Retiree Contribution

Calendar Year 2004

By Plan and Tier for Medicare-Eligible Retirees

Health Insurance and Drug Insurance Coverages Combined

Tier A

Tier B

Tier C

Tier D

Tier E

Plan

1 Person Medicare Eligible

2 Persons All Medicare Eligible

3+ Persons All Medicare Eligible

2 Person Mixed (1 Not Medicare Eligible and 1 Medicare Eligible)

3+ Person Mixed (at least 1 Not Medicare Eligible and at least 1 Medicare Eligible)

Care Choices HMO

$20

$85

$135

$40

$135

HAP HMO

$20

$90

$140

$45

$145

M-CARE HMO

$10

$65

$105

$20

$110

M-CARE POS

$10

$65

$105

$65

$175

BC/BS United

$50

$150

$225

$175

$330

CMM

$40

$130

$195

$40

$135

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