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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