Lakewood Ranch Inter-District Authority Renewal. December 1 st Employee Benefits. Recommendation BENEFITS CONSULTING GROUP

Transcription

1 Renewal December 1 st 2014 Employee Benefits Recommendation BENEFITS

2 Renewal December 1st 2014 Anci I la ry Summary (Exhibit#l) The - Recommend to renew all lines As-ls due to the following: These plans have no increase to premiums: o Basic Life and AD&D o Voluntary Life o Short Term Disability o Long Term Disability The following plans received an increase - All increases are still lower than trend o Vision o Dental

3 I BENEFITS Lakewood Ranch Inter-District Ancillary Renewal Recommendation I Exhibit# 1 I t.. BASIC LIFE I AD&D Coverage 33 Current I Renewal Life Rates per 1, AD&D Rates per 1, Benefit Amount 50,000 Est. Mont hly Premium 462 Benefit Amounts VOLUNTARY LIFE Current I Renewal Min I Max Employee 10,000 I 500,000 Min I Max Spouse 5,000 I 50% of EE, up to 250,000 Min I Max Child(ren) 10,000 Cost Summarv Age Band Rates per 1,000 < Child(ren) 0.21 Short Term Disability THE GUARDIAN Vision Benefits Current I Renewal Coverage Rates per 1 O of Weekly 0.57 Benefit Employee 33 Additional Benefit Summary Employee Benefit 60% Employee I Child(ren) - Max. Benefit 1,000 per Week Employee I Family 6 Accident/Sickness 1st Day of Accident ; Elimination Period 8th Day of Sickness Total EmployeeCost: Benefit Duration 26 Weeks Long Term Disability Total Dependent Cost : Total Monthly Cost: Increase I Decrease Benefits Current I Renewal Freguencl Allowance Rates per 100 of Monthly Covered Payroll 0.45 Exams Lens Frames In-Network Benefits Benefit Summarv Benefit 60% Annual Exam Max. Benefit 5,000 Elimination Period 180 Days Frame Benefit Duration RBD to SSNRA Single Lenses Bifocal Lenses Trifocal Lenses Contact Lenses * Medically Necessary Elective Plan Highlights Dental Renewal Coverage Renewal Value Plan (VZ) 7.30 Employee Additional 3.77 Employee & Spouse Employee & Child(ren) Family Total Employee Cost: Total Dependent Cost: Total Monthly Premium: 1, Increase I Decrease 11.9% 4.0% In-Network Benefits Alternate Value Plan (VZ) 12 months uctible months Waived for Preventative Yes 24 months Preventative Services 100% Basic Services 80% 10 Copay Major Services 50% 135; 20% after Orthodontia (Children) N/A 25 Copay Out-Of Network 25 Copay uctible Copay Waived for Preventative Yes 25 Copay Preventative Services 100% Basic Services 80% 25 Copay Major Services 50% 135 Max A nnual Maximum 1,500 Fee Schedule Davis Vision - 35,000 provider locations nationwide including Wal- Mart, Target, Sears, JC Penney and Pearle locations. *The Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

4 Renewal December 1 st 2014 Health Florida Blue Issued a 10.3% Increase Current vs. Renewal (Exhibit#2} Upon reviewing the current and renewal alternatives received from Florida Blue as well as the market place (Aetna, United HealthCare, Humana, and Cigna) for your health renewal, our recommendations are as follows: Move to a Level Funded Plan - Cigna (Exhibit#3} o Dual Option, offering a PPO and an HSA plan o These plans need to be fully underwritten with the following steps: Medical Questionnaire completed by all eligible employees online or via telephone Rates issued upon review of employee information. o Once the underwriting is complete we are asking for a tolerance of a 10% increase on quoted rates o If the rates do not hold under the acceptable tolerance, alternative plans are available with Florida Blue o Costs and Limits of the Level Funded Plan (Exhibit #4} Renewal Alternative Plans (Exhibit#S}

5 Benefit Coverage BENEFITS Current Blue Cross Blue Shield I Exhi-bit # 2 I Renewal ~~r!;~i-~r!i'fi I 5465 I 5466 I 5070 I 5071 I 5465 I 5466 I 5070 / 5071 I Employee Only o.oo OI DLBO 711.n I "aamo11ci 2 T , IChild(ren) 1 I Familv I 1 I , , , , Total Employee Cost: 19, , , Total Dependent Cost: , , , , Total Monthly Premium: 24, , Increase I Decrease: % PLAN NAME / / 5071 Metallic Tier NIA NIA NIA NIA NIA NIA Network Name Blue Ootions IPPOl Blue Ootions IPPOl Blue Ootions IPPOl Blue Ootions IPPOl Blue Ootions IPPOl Blue Ootions IPPOl Plan Type IN-NETWORK BENEFITS uctible (PPIFam) 1,000 I 3, I 4,000 3,500 I 7,000 1,000 I 3,000 2,000 I 4,000 3,500 I 7,000 uctible Type Seoarate Seoarate Combined Seoarate Seoarate Combined Coinsurance 80% 80% 100% 80% 80% 100% Max Out-of-Pocket (PPIFam) 4,000 I 8,000 3,500 I 7,000 3,500 I 7,000 4,000 I 8,000 3,500 I 7,000 3,500 I 7,000 COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services Opt: I Opt: 2 Opt: I Opt: 2 120% 1,200 1,200 / 20% Out Patient Facility & Services Opt 1: 350 I Opt 2: Opt 1: 350 I Opt 2: /20% I 20% Emergency Room & Services Lab (Quest) Diagnostic Testing MRl's and CAT I Imaging PRESCRIPTIONS Rx uctible Generic Brand Preferred Non-Preferred Specialty N/A NIA NIA NIA N/A N/A This Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails. t..

6 l«&f BENEFITS I Exhibit # 3 I t Total De Total Monthly Premium: "Rates are subject to Final Underwriting, therefore they may be less or greater than quoted. PLAN NAME Metallic Tier Network Name Plan Type IN-NETWORK BENEFITS uctible (PP/Fam) uctible Type Coinsurance Max Out-of-Pocket (PP/Fam) COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services Out Patient Facility & Services Emergency Room & Services Lab Diagnostic Testing MRl's and CAT/ Imaging PRESCRIPTIONS Generic Preferred Brand Non Preferred Brand , , , Plan 1 N/A GWH/Cigna PPO PPO Plan 1,000 I 2,000 Separate 80% 4,000 I 8, / 20% / 20% % upto 1,000 I 120% / 20% , , , , Plan 2 N/A GWH/Cigna PPO HSA PPO Plan 3,500 I 7,000 Combined 100% 3,500 I 7,000 This Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

7 l«bj BENEFITS I Exhibit# 4 I!.. Self Funding (GWH/Cigna - Network) Plan 1 N/A GWH/Cigna PPO PPO Plan Costs and Limits Plan 2 NIA GWH/Cigna PPO HSA PPO Plan Total Mo. Cost Stop-loss Premium 7, Stop-loss Premium Admin Fees 3, Admin Fees Claim Prefunding 9, Claim Prefunding Total 20, Total Total Mo. Cost 1, , , Stop-loss Insurance Limits: Specific uctible Annual Aggregate Attachment Point Contract Period Runout Period Minimum Aggregate Attachment Point Surplus Option 20, , I Months 89,754 2/3 Administrative Fee Credit - At the end of the year, if there's any surplusmoney left in the claim pre-fund account, you could receive 2/3 of the total surplus as an administartive fee credit when you renew your plan, less any necessary increase in the Terminal Liability Reserve. However if you choose to terminate your agreement with Starmark, you do not receive the surplus money. : Current Annual Premium 288,833.64

8 lfi' BENEFITS I Exhibit # 5---]! "' 2 I 0 I o I 2 1 I 0 I 1 I 0 Familv 1 1 I 0 I 0 I 1 Total Employee Cost: Total Dependent Cost: TOtal Monthly Premium: Increase I Decrease: PLAN NAME Metallic Tier Network Name , , , , , , , , , , % 2.2% 8.3% Gold Silver Gold Blue Options (PPO) Blue Options (PPO) Blue Care HMO , , , , % -25.6% Silver Bronze Blue Care HMO Blue Care HMO Pl an Type IN-NETWORK BENEFITS uctible (PP/Fam) uctible Type Coinsurance Max Out-of-Pocket (PP/Fam) COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services Out Patient Facility & Services Emerqencv Room & Services Lab (Quest) Diagnostic Testing MRl's and CAT / Imaging PRESCRIPTIONS Rx uctible Generic Brand Preferred Non-Preferred Specialty Pred ictable Cost Plan Predictable Cost Plan All Copay Plan 2,000 I 4,000 1,500 I 3,000 1,000 I 3,000 Separate Separate Separate 80% 50% 80% 3,500 I 7,000 6,250 I 12,500 4,000 I 8, / 20% 150% 300 per Day (1,500 Max) / 20% 150% % NIA Predictable Cost Plan Essential (HSA) Plan 1,500 I 3,000 4,000 I 8,000 Separate Combined 50% 100% 6,250 I 12,500 6,350 I 12, uctible 50 uctible 150% uctible / 50% uctible 150% uctible 0 uctible 100 uctible 250 uctible 0 In-Net N/A This Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

9 Renewal December 1st 2014 Marketplace Quotes Additional Quotes: Health Carriers o Aetna o United Healthcare o Humana Ancillary Carriers o

10 BENEFITS!Employee Only 28 0 I Additional!Spouse a tr.c Family I Total Emplovee Cost: Total Dependent Cost: Total Monthly Premium : Increase I Decrease: % , Aetna HNOnly Alternates HNOption Alternates I % I % HS Aj % I % ~ I , , , , , , , , % 1.0% Rates are subject to Final Underwriting, therefore they may be up to 13% less or 15% greater than quoted. PLAN NAME % % % HS A % % % HS A Metallic Tier Gold Silver Bronze Gold Silver Bronze Network Name Open Access Open Access Open Access Open Access Open Access HMO HMO HMO POS POS Open Access POS Plan Type HN Onlv HN Onlv HN Onlv HNOotion HNOotion HNOotion IN-NETWORK BENEFITS uctible (PP/Fam) 1,000/2,000 2,000/ ,500/11,000 1,000/ ,000/4, /11,000 uctible Type Separate Separate Combined Seoarate Seoarate Combined Coinsurance 80% 80% 100% 80% 80% 100% Max Out-of-Pocket (PP/Fam) 3,500/7,000 5,000/10,000 6,000/12,000 3,500/7,000 5,000/10,000 6,000/12,000 COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services I 20% /20% /20% /20% Out Patient Facility & Services / 20% / 20% /20% I 20% Emergency Room & Services Lab {Quest) Diagnostic Testing MRl's and CAT/ Imaging /20% I 20% I 20% I 20% PRESCRIPTIONS Rx uctible No No In-Net No No In-Net Generic Brand Non-Preferred 50% 50% 50% 50% 50% 50% Preferred Specialty 30% 30% 30% 30% 30% 30% Max Copay - Pref. I Non Pref. 300/ / / / / I % H s A I % I % T I i Additional HNOnly Alternates 1-4ooo5oo/;---J I I , , , , % % -39% % % T % Gold Silver Bronze Open Access Open Access Open Access HMO HMO HMO HN Only HN Only HN Only 1,500/3,000 3,500/7,000 4,000/8,000 Separate Separate Combined 80% 70% 50% 4,000/8,000 6,350/12, 700 6,350/1 2, % / 20% 1,000 per Admit + I 30% /50% / 20% I 30% / 50% I 50% 0 0 / 50% % 120% I 30% I 50% No No In-Net % 50% 50% 30% 30% 50% 300/ / /500 "This Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benents and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

11 BENEFITS.._ Benefit Coverage Total High Mid Low : [g1iiq\qy~e Only J 28 I 28 I 0 0 JM(jij_iQnal Jspouse 0 2!Child(ren) 1 0 JFamily 0 1 Total Employee Cost:!Total Dependent Cost: Total Monthly Premium: Increase I Decrease: *Rates are subject to Final Underwriting, therefore they may be up to 13% less or 15% greater than quoted. I I United Healthcare Alternates D JL , , , , , , , , , % PLAN NAME szo JL-7 5N1 Metallic Tier Gold Silver Gold Network Name Choice Choice Plus Choice Plus HSA Plan Type UHC HMO UHC Insurance UHC Insurance IN-NETWORK BENEFITS uctible (PP/Fam) 1,000 I 2,000 2,000 I 4, 000 5,000 I 10,000 uctible Type Separate Separate Combined Coinsurance 80% 80% 100% Max Out-of-Pocket (PP/Fam) 6,000 I 12,000 6,000 I 12,000 6,250 I 12,500 COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services / 20% / 20% O ut Patient Facility & Services / 20% / 20% Emergency Room & Services 500 / 20% Lab (LabCorp) 0 / 20% Diagnostic Testing 0 / 20% MRl's and CAT/ Imaging / 20% / 20% PRESCRIPTIONS PV A6 PV Rx uctible No No No Generic I Generic Speciality 10/10 20 I 20 10/10 Brand I Brand Speciality 35 / /100 35/100 Preferred I Preferred Speciality 60 I I I 200 Non-Preferred I Speciality NIA 200 I 500 NIA Tier 5 70% 70% 70% t., Additional Alternate I , , % szu Silver Choice UHC HMO 2,000 I 6,000 Seoarate 80% 6,000 I 12, / 20% / 20% / 20% / 20% / 20% / 20% A6 No 20 I / I I % ***This Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

12 BENEFITS ~., Family I 1 0 Total Employee Cost: Total Dependent Cost:!Total Monthly Premium:!Increase I Decrease: , , , , % *Rates are subject to Final Underwriting, therefore they may be up to 13% less or 15% greater than quoted. PLAN NAME HMO 14 OA Copay 9 HMO 14 OA Copay 11 Metallic Tier Gold Silver Network Name Premier Premier Plan Type HMO HMO IN-NETWORK BENEFITS uctible (PP/Fam) 1,000 I 2,000 2,000 I 4,000 uctible Type Separate Separate Coinsurance 80% 80% Max Out-of-Pocket (PP/Fam) 4,000 I 8,000 6,350 I 12,700 COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services I 20% I 20% Out Patient Facility & Services I 20% I 20% Emergency Room & Services Lab 0 0 Diagnostic Testing I 20% I 20% MRl's and CAT I Imaging PRESCRIPTIONS Rx uctible 0 0 Tier Tier Tier Tier 4 25% 25% Specialty 35% 35% , , , , HDHP 14 OA HMO 4 Bronze Premier HMO 4,000 I 8,000 Combined 80% 5,350 I 12,700 ***This Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

13 BENEFITS CONSULTlNG Lakewood Ranch Inter-District t Rate & Benefit Comparison LIFE/AD&D ~ Life/AD&D Insurance 33 Current I Renewal Life Rates per 1, AD&D Rates per 1, Benefit Amount 50,000 Est. Monthly Premium 462 VOLUNTARY LIFE Vol Life Benefit Amounts Min I Max Employee 10,000 I 500,000 Min I Max Spouse 5,000150% of EE, up to 250,000 Min I Max Child(ren) 10,000 Cost Summary Age Band Rates per 1,000 < Child(ren) 0.21 *The Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

14 BENEFITS Lakewood Ranch Inter-District Rate & Benefit Comparison Short Term Disability Current I Renewal Rates per 10 of Weekly Benefit 0.57 Benefit Summary Benefit Max. Benefit Accident/Sickness Elimination Period Benefit Duration 60% 1,000 per Week 1st Day of Accident ; 8th Day of Sickness 26 Weeks Long Term Disability Rates per 100 of Monthly Covered Payroll Benefit Summary Benefit Max. Benefit Elimination Period Benefit Duration Current I Renewal % 5, Days RBD to SSNRA *The Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

15 Benefits BENEFITS Coverage Employee 33 Additional Employee Employee I Child(ren) - Employee I Family 6 Total EmployeeCost: Total Dependent Cost: Total Monthly Cost: Increase I Decrease Freguencl Allowance Exams Lens Frames In-Network Benefits Annual Exam Frame Single Lenses Bifocal Lenses Trifocal Lenses Contact Lenses * Medically Necessary Elective Plan Highlights Rate & Benefit Comparison Vision Current Renewal Alternates Davis Vision Davis Vision - Opt % -0.5% 12 months 12 months 12 months 12 months 24 months 24 months ~., Davis Vision - Opt % 12 months 24 months 24 months 10 Copay 10 Copay 10 Copay 135; 20% after 25 Copay 120; 20% after 25 Copay 135; 20% after 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 25 Copay 135 Max 120 Max 135 Max Davis Vision - 35,000 provider locations nationwide including Wal-Mart, Target, Sears, JC Penney and Pearle locations. *The Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

16 I Rate & Benefit Comparison Dental ~.. Dental Coverage Current Renewal Alternates Value Plan (VZ) Value Plan (VZ-1) Value Plan (NA) Value Plan (M7) Employee 33 Additional Employee & Spouse 11 Employee & Child(ren) 2 Family 6 Total Employee Cost: Total Dependent Cost: Total Monthly Premium: Increase I Decrease , , , % 0.6% , , % -0.9% Benefits Current Renewal Alternates In-Network Value Plan (VZ) Value Plan (VZ-1) Value Plan (NA) Value Plan (M7) uctible Waived for Preventative Preventative Services Basic Services Major Services Orthodontia (Children) Out-Of Network uctible Waived for Preventative Preventative Services Basic Services Major Services Annual Maximum {in-net /Out of Net) Yes Yes 100% 100% 80% 80% 50% 50% N/A N/A Yes Yes 100% 100% 80% 80% 50% 50% 1,500 1,000 Fee Schedule Fee Schedule Yes Yes 100% 100% 80% 80% 50% 50% NIA N/A No Yes 100% 80% 50% 70% 25% 40% 1,250 1,000 Fee Schedule Fee Schedule I 90th %ile *The Benefit Overview is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails.

17 11 Benefit Coverage!Employee Only [Additional [Sp_ouse I !Child(ren) Familv I Total Employee Cost: Total Dependent Cost: Total Monthly Premium: Increase I Decrease: Blue Cross Blue Shield Current Renewal ~..... "" ' '' 5465 I 5466 I 5070 I 5071 I 5465 I 5466 I 5070 I 5071 I I , , , , , , , , , % PLAN NAME Metallic Tier Network Name Plan Type IN-NETWORK BENEFITS uctible (PP/Fam) uctible Type Coinsurance Max Out-of-Pocket (PP/Fam) COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services Out Patient Facility & Services Emergency Room & Services Lab (Quest) Diagnostic Testing MRl's and CAT / Imaging PRESCRIPTIONS Rx uctible Generic Brand Preferred Non-Preferred Specialty / / 5071 N/A N/A N/A NIA N/A N/A Blue Ootions IPPOl Blue Ootions IPPOl Blue Ootions (PPOl Blue Ootions lppol Blue Ootions IPPOl Blue Ootions lppol ,000 I 3,000 2,000 I 4,000 3,500 I 7,000 1,000 I 3,000 2,000 I 4,000 3,500 I 7,000 Seoarate Seoarate Combined Separate Separate Combined 80% 80% 100% 80% 80% 100% 4,000 I 8,000 3,500 I I 7, I 8, I 7,000 3,500 I 7, Opt: I Opt: 2 Opt: I Opt: 2 /20% 1,200 1,200 /20% Opt 1: 350 I Opt 2: Opt 1: 350 I Opt 2: / 20% / 20% N/A N/A NIA N/A N/A N/A This Benefit OveNiew is intended only to highlight the benefits and should not be relied on to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails. Page 1of7

18 ~.. - Benefit Blue Cross Blue Shield Coverage Total High Mid HSA Current Renewal Alternates (New Plans)... ~...,,, Eil!IEm,,, lmijl:mll, I I r EmP1 e on1y 28 I 28 I o I 0 I ' ' [Additional [ [Spouse T o , [Chil d.(~re~n~) -~ 1 I 0 I 1 I Family l 1 I 0 I o I 1 1, , , , , , Total Employee Cost: , , , Total Dependent Cost: , , , , , , , , Total Monthly Premium: 24, , , Increase I Decrease: % 1.9% PLAN NAME / / Metallic Tier N/A N/A N/A N/A N/A N/A Gold Gold Bronze Blue Options Blue Options Blue Options Network Name Blue Options Blue Options Blue Options Blue Care Blue Care Blue Care IPPO\ lppo\ IPPO\ lppo\ IPPOI IPPOI HMO HMO HMO Plan Type N/A N/A NIA N/A N/A N/A All Copay Plan Predictable Essential Cost Plan (HSA) Plan IN-NETWORK BENEFITS uctible (PP/Fam) 1,000 I 2,000 I 3,500 I 1,000 I 2,000 I 3,500 I 1,000 I 2,000 I 4,000 I 3,000 4,000 7,000 3,000 4,000 7,000 3,000 4,000 8,000 uctible Tvoe Separate Separate Combined Separate Separate Combined Seoarate Seoarate Combined Coinsurance 80% 80% 100% 80% 80% 100% 80% 80% 100% Max Out-of-Pocket (PP/Fam) 4,000 I 3,500 I 3,500 I 4,000 I 3,500 I 3,500 I 4,000 I 3,500 I 6,350 I 8,000 7,000 7,000 8,000 7,000 7,000 8,000 7,000 12,700 COVERED SERVICES Primary Care Physician uctible Specialist uctible In Patient Facility & Services Opt: I Opt: I 300 per Day /20% / 20% Opt: 2 1,200 Opt: 2 1,200 <1,500 Max\ 120% uctible Out Patient Facility & Services Opt 1: 350 I Opt 1: 350 I /20% Opt 2: 450 Opt 2: % % uctible Emergencv Room & Services uctible Lab (Quest) uctible Diagnostic Testing uctible MRl's and CAT/ lmaaing uctible PRESCRIPTIONS Rx uctible In-Net Generic Brand Preferred Non-Preferred N/A Specialty N/A N/A N/A N/A NIA NIA '''This Benefit Overview is intended only to highlight the benefits and should not be relied on to fully detennine coverage. More complete descriptions of benefits and the tenns under which they are provided are contained in the Certificate of Coverage. If this description in any way conflicts with the Certificate of Coverage, the Certificate of Coverage prevails. Page 2 of 7

19 )_E BENEFITS ~.~ ;:..t Family l 1 T Total Employee Cost: Total Dependent Cost: Total Monthly Premium: Increase I Decrease: , , , % 18.9% , , , , , , , , % -10.2% % 8.3% , , , , , , , , , % -4.5% -20.4% -23.1% -25.6% PLAN NAME Met allic Tier Network Name Plan Type IN-NETWORK BENEFITS uctible (PP/Fam) uctible Type Coinsurance Max Out-of-Pocket (PP/Fam) COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services Out Patient Facility & Services Emergency Room & Services Lab (Quest) Diagnostic Tes ting MRl's and CAT / Imaging PRESCRIPTIONS Rx uctible Generic Brand Preferred Non-Preferred Specialty Gold Gold Blue Options Blue Options IPPOI IPPOI All Copay Plan Predictable Cost Plan I I Senarate Senarate 80% 80% I I Opt 1: 300 per Day (1,500) I Opt 2: 400 per Day / 20% Max\ Opt 1: 350 I Opt 2: 450 / 20% Silver Bronze Bro nze Gold Blue Options Blue Options Blue Optio ns IPPOI IPPOI I PPOl Blue Care HMO Predictable Cost Essential (HSA) Essential Plan Plan Plan All Copay Plan 1,500 I 3, I I ODO I Seo a rate Se oar ate Combined Seo a rate 50% 50% 100% 80% 6,250 I 12, I I I (3) then I 50% 80 (3) then I 50% / 50% / 50% uctible uctible 25 uctible per Day (1,500 Max) 150% / 50% uctible 350 / 50% / 50% uctible uctible % uctible / 50% uctible Gold Silver Bronze Bronze Bronze Bl ue Ca re HMO Bl ue Care HMO Blue Care HMO Blue Care HMO Bl ue Care HMO Predictable Cost Predictable Cost Essential (HSA) Essential Plan Essential Plan Plan Plan Plan I I I I I 8 ODO Senarate Senarate Senarate Seoarate Combined 80% 50% 50% 50% 100% I I I I I (3) then I 80 (3) then I 50% 50% uctible % 150% uctible 120% / 50% / 50% / 50% uctible / 20% /50% / 50% 150% uctible 250 /50% 150% 150% uctible uctible % / 50% uctible / 50% / 50% uctible In-Net In-Net Oed NIA N/A N/A NIA N/A N/A This Benefit OveMew is intended only to highlight the benefits and should not be relied on to fufly determine coverage. More complete descriptions of beneffts end the terms under which they are provided are contained Jn the Cerllficate of Coverage. If this description in any way conflicts wl1h the Cerlifrcate of Coverage, the Certificate of Coverage prevails. Page 3 of 7

20 l~f BENEFITS... Benefit Coverage Total PPO HSA !Employee Only I 0aamo1u:J l 2 [ C_t1ilclf~ 2 I 2 I 0 Familv l 1 I 0 I 1 Total Emplovee Cost: Total Dependent Cost: Total Monthly Premium: Rates are subject to Final Underwriting, therefore they may be less or greater than quoted. ~ Self Funding (GWH/Cigna - Network).. Alternates 1 Alternates 2 I Plan 2 I Plan 1 I I Plan 1 I Plan 2 I , , , , , , , , , , , , , , PLAN NAME Plan 1 Plan 2 Plan 1 Plan 2 Metallic Tier N/A N/A N/A N/A Network Name GWH/Cigna PPO GWH/Cigna PPO GWH/Cigna PPO GWH/Cigna PPO Plan Type PPO Plan HSA PPO Plan PPO Plan HSA PPO Plan IN-NETWORK BENEFITS uctible (PP/Fam) 1,000 I 2,000 3,500 I 7,000 1,000 I 2,000 3,500 I 7,000 uctible Type Separate Combined Separate Combined Coinsurance 80% 100% 80% 100% Max Out-of-Pocket (PP/Fam) 4,000 I 8,000 3,500 I 7,000 4,000 I 8,000 3,500 I 7,000 COVERED SERVICES Primary Care Physician Specialist In Patient Facility & Services / 20% / 20% Out Patient Facility & Services / 20% /20% Emergency Room & Services Lab 100% upto 1,000 I 100% upto 1,000 I Diagnostic Testing / 20% / 20% MRl's and CAT / Imaging / 20% 120% PRESCRIPTIONS Generic Preferred Brand Non Preferred Brand This Benefit Overview is intended only to Plan 1 Total Mo. Cost Plan 2 Total Mo. Cost Plan 1 Total Mo. Cost Plan 2 Total Mo. Cost highlight the benefits and should not be relied on Stoo-loss Premium 7, Stoo-loss Premium 1, Stoo-loss Premium 7, Stoo-loss Premium 1, to fully determine coverage. More complete Admin Fees Admin Fees Admin Fees 3, Admin Fees descriptions of benefits and the terms under Claim Prefundino 9, Claim Prefundino 1, Claim Prefundino 9, Claim Prefundino 1, which they are provided are contained in the Total Certificate of Coverage. If this description in any 20, Total 3, Total 20, Total 3, Stop-loss Insurance Limits: Stop-loss Insurance Limits: way conflicts with the Certificate of Coverage, the Soecific uctible Soecific uctible 20,000 Certificate of Coverage prevails. Annual Aggregate Attachment Point 128,230 Annual Aooregate Attachment Point 128,230 Contract Period 12 I 27 Contract Period 12 I 21 Lakewood Ranch Inter-District Runout Period 15 Months Runout Period 9 Months Authority, Minimum Aggregate Attachment Point 89,754 Minimum Aooreoate Attachment Point 89,761 Current Annual Premium: Surplus Option 2/3 Administrative Fee Credit - At the end of the year, if there's any Surplus Option Traditional Cash - If you have a surplus of fund in the claim presurplusmoney left in the claim pre-fund account, you could receive 2/3 of the total surplus as an administartive fee credit when you renew your plan, less any necessary increase in the Terminal Liability Reserve. 288, However if you choose to terminate your agreement with Starmark, you do not receive the surplus money. fund account at the end of the year, or if you terminate off- anniversary, you get the surplus as a cash refund at the end of the runout period. Page 5 of 7

21 Transponder Fee Analysis Transponder Revenue: Properties (EDUs) within the gates 2,185 Average Transponders per household 2 Total Transponders (Replacement) 4,370 Transponder Fee Transponder Revenue Generated ,500 Transponder Expenses: Equipment/Utitlities/Transponders Capital Improvements - gate related only Annual Expenses (ABDI) - gate related only 85,270 10,428 Annual Expenses (Bright House) - gate related only 12,960 Transponder Costs - gate related only Credit Card: adjusted for inventory on hand 5,302 Windshield: adjusted for inventory on hand External Headlamp: adjusted for inventory on hand 50,471 3, ,355 Personnel Costs Front Desk (Hourly Rate * 1/4 hour/transaction * Total Transponders) 28,661 Front Desk (Hourly Rate * 1/2 hour/day) general inquiries 1,700 O&M: Administration (hourly rate* 1/2 hour/day) O&M: General Maintenance (hourly rate* 1/4 hour/day) O&M: Maintenance Manage r (hourly rate * 1/4 hour/day) Finance: (hourly rate * 1 hour/month) inventory monitoring 3,276 1,230 1, Transponder Expenses 37, ,505 Variance: Surplus (Deficit) I.!@ Transponder Fee Analysis.xlsx 1of1