2007 WP&L/IBEW LOCAL 965 NEGOTIATIONS

IBEW 965 CDHP Medical Plan

Annual Deductible

$1,500 single/$3,000 family

Coinsurance       In Network

90% / 10% 

Coinsurance       Out of Network

70% / 30%

Annual Out-of-Pocket Maximum

(Includes Deductible and Co-Insurance)

IN:  $3,000 single/$5,000 family                           OUT: $4,000 single/$6,000 family

Health Reimbursement Account Employer Contribution

Single:   $2,000

EE + 1:  $3,000

Family:  $4,000

To be paid in full on January 1, 2008.

Effective January 1, 2009:

Single:   $1,000

EE + 1:  $2,000

Family:  $3,000

To be paid in semi-annual installments.

Flexible Spending Account Employee Contribution - Done by pre tax contribution

Health Care FSA $4,500                                     Money in FSA used before HRA.

Preventative Care

(Per AMA Guidelines)

100% in-network    90% out-of-network

Prescription Drugs

(Covered Products)

Effective 1/1/2008:

Retail Deductible: $50 single/$100 family                        Retail (30 days):   $10 generic/

                              $20 preferred brand/

                              $30 brand   

Mail (90 days):      $20 generic/

                              $40 preferred brand/

                              $60 brand

Effective 1/1/2010:

Retail Deductible: $50 single/$100 family                       

Retail (30 days):   $10 generic/

                              $25 preferred brand/

                              $40 brand   

Mail (90 days):      $20 generic/

                              $50 preferred brand/

                              $80 brand

Vision

$40 eye exam                                                                          $150 eyewear (glasses or contacts)

Not limited to network providers.

Chiropractic

Deductible, Coinsurance and Out-of-Pocket Maximum - Treatments in Excess of 20 require Physician Approval

Not limited to network providers.

Acupuncture

Deductible, Coinsurance and Out-of-Pocket Maximum As authorized by Physician; limited to 10 visits per year.

Physician Office Visits and Services, In-Patient and Out-Patient Hospital Services

Deductible, Coinsurance and Out-of-Pocket Maximum.

Emergency and Urgent Care

Deductible, Co-Insurance and Out-of-Pocket Maximum.

Out-of-Network Benefit is 90% / 10% if a true emergency.

Hearing Care –

     Office Visit and Testing

     Hearing Aid

Subject to Deductible, Co-Insurance and Out-of-Pocket Maximum.

$1,000 Benefit every three years – No Deductible/No Co-Insurance.

Organ Transplants

100% at Life Source Center .

Deductible, Co-Insurance and Out-of-Pocket Maximum for non-Life Source Center .

Mental Health and Substance Abuse

Limited to 20 Outpatient and 30 Inpatient days per year - Deductible, Coinsurance

Medical Opt Out Option

$100 per month.

Employee Premium Amount 1/1/2008

Single:     $  60 

EE + 1:    $125 

Family:    $185 

Employee Premium Amount 1/1/2009

Single:     $  75 

EE + 1:    $140 

Family:    $200 

Employee Premium Amount 1/1/2010

Single:     $  90

EE + 1:    $160 

Family:    $225

Employee Premium Amount 1/1/2011

Monthly employee contributions for the medical plan paid by employees will be based on 20% of the total monthly premium as calculated annually.

Wellness Credit

Employees participating in the Company’s Wellness Program, who meet established Power Your Health Program criteria, will have the option to receive a reduction in monthly health care premiums (currently at $15), or an additional $200 HRA contribution, or an additional medical opt out credit of $15 per month.