BENEFIT PLAN COMPARISONS. What do you need? What can you afford? BLUE CROSS ARTA (TRAVEL) GMS INDIVIDUAL? GROUP? OUR OWN GROUP?

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1 BENEFIT PLAN COMPARISONS What do you need? What can you afford? BLUE CROSS ARTA (TRAVEL) GMS INDIVIDUAL? GROUP? OUR OWN GROUP?

2 Plan Type INDIVIDUAL PROVIDER BLUE CROSS FREE AT 65 (must apply for it) Extended Health Plan AMBULANCE FREE Drug 30% to a max of $25 Drug Annual Maximum Hospital & Medical Serv Private Nurse $200/family/year Paramedical Services Chiropractic $25/ visit to a max of $200 Diabetic supplies Up to $600 Psychologist, etc $60/visit to a max of $300 Physio Hearing Aids WCB or Alberta Aids to Daily Living Out of Province Emergency Medical Travel Additional Travel Purchase separately Vision Eye exams free at 65 Couples under $51,600 annually get $230 Dental Basic Couples under $51,600 annually get max coverage (free govt benefit) Major Dentures dependent on income Website

3 Plan Type CITY RETIREE (1ST TO 65) INDIVIDUAL INDIVIDUAL PROVIDER Alberta Blue Cross Group Number BLUE CROSS SENIOR PLUS (PLAN D) GMS OMNI + BASIC DRUG & 30 DAY TRAVEL Extended Health Plan Premiums Monthly Monthly Monthly SINGLE $42.36 $69.00 $32.25+$13.50+$11.25=$57.00 COUPLE $ $66.25+$25.25+$23.25=$ FAMILY $86.00 $77.25+$33.25+$26.00=$ AMBULANCE COVERED FREE FREE Drug 80% coverage LCA Part of free at 65 80% coverage least cost alternative Drug Annual Maximum $3, Hospital & Medical Serv 100% w/some specific limits $50/day to $ % with some specific limits Private Nurse Paramedical Services $300 annually combined services per participant INDIVIDUAL PLANS Chiropractic $25/ visit to a max of $300 Podiatrist $15/ visit to a max of $300 80% to max of $5000/par/yr $35 per visit to max of $300 annually per specialty per participant Diabetic supplies 70% to a max of $200 Psychologist, etc Psychology $75/visit, maximum of $300 max per particapant $750/year Physio Incl in $300 max/particapant particapant Hearing Aids NONE 100% up to $800 every 5 years Out of Province Emergency 100% cov for first 90 days, 2 million Purchase separatelyfrom Blue Cross at 10% 100% coverage for the first 30 days, 2 Medical Travel max/year discount million maximum per participant/year Additional Travel Purchase separately Purchase separately Purchase in single day increments to 183 days/ cost is age dependent

4 Plan Type CITY RETIREE (1ST TO 65) INDIVIDUAL INDIVIDUAL PROVIDER Alberta Blue Cross Group Number BLUE CROSS SENIOR PLUS (PLAN D) GMS OMNI + BASIC DRUG & 30 DAY TRAVEL Vision $200 every 24 months per 70% to a max of $300 every 3 years $200 every 24 months per Dental Premiums Monthly SINGLE $22.23 (50%) included in premiums above $41.75 COUPLE Included in premiums above $82.25 FAMILY $44.46 (50%) Included in premiums above $ Basic 80% coverage 80% coverage to a max of $750 80% coverage Major 80% coverage No dental implants 65% coverage to a max of $1350 (after 1st year) 50% coverage Basic & major combined max/par/yr $1, $1, Orthodontia 50% coverage with lifetime max. SEE ABOVE none $1500 per eligible dependent under 21 Dentures included in major included in major limited coverage Website ents/retirement/retiree-benefits- Booklet.pdf Pros INDIVIDUAL PLANS Travel is separate -complements well with free seniors plus - 4 different levels of coverage a la carte options including, drug, dental and travel Cons limited coverages - no travel included

5 GROUP PLANS PROVIDER Alberta Blue Cross ARTA ARTA W/TRAVEL GMS GMS Group Number Extended Health Plan w/60 day travel Premiums Monthly Monthly Monthly Monthly w/100% drugs SINGLE $42.36 (50%) $ $ $48.60 $56.25 COUPLE $ $ $92.33 $ FAMILY $86.00 (50%) $ $ $ $ AMBULANCE COVERED FREE FREE FREE Drug 80% coverage LCA 80% coverage least cost alternative 80% coverage least cost alternative 80% coverage least cost alternative Drug Annual Maximum $1, $1, $1, $42 a month to go to $2000 (couple) $42 a month to go to $2000 (couple) Hospital & Medical Serv 100% w/some specific 100% with some specific limits 100% with some specific limits 100% with some specific limits limits Private Nurse $3000 every 3 years $3000 every 3 years $2500 per year Paramedical Services $300 annually 80% to $700 annually 80% to $700 annually combined services per combined services per combined services per participant participant participant $300 annually combined services per participant Diabetic supplies $300 annually per participant Psychologist, etc Psychology $75/visit, 80% to $225 annually maximum of $750/year combined services per participant 80% to $225 annually combined services per participant participant Physio Incl in $300 max/particapant particapant particapant particapant Hearing Aids 100% up to $800 every 3 years 100% up to $800 every 3 years 100% up to $500 every 3 years Out of Province 100% cov for first 90 Purchase separately or upgrade 100% coverage for first 62 days 100% coverage for the first 60 Emergency Medical Travel days, 2 million max/year to EHC with Travel with a medical qualification (90 in Sept?), 2 million max/participant/year days, 2 million maximum per participant/year

6 PROVIDER Alberta Blue Cross Group Number ARTA ARTA W/TRAVEL GMS Vision $200 every 24 months per $500 every 24 months per $500 every 24 months per $200 every 24 months per Dental Option A (optional) Option A (optional) Premiums Monthly SINGLE $22.23 (50%) $57.00 $57.00 $29.00 COUPLE $ $ $55.09 FAMILY $44.46 (50%) $ $ $85.54 Basic 80% coverage 80% coverage 80% coverage 80% coverage Major 80% coverage No dental implants 50% coverage Max $700 50% coverage Max $700 50% coverage Basic & major combined max/par/yr $1, $1, $1, $1, Orthodontia 50% coverage with lifetime none none none max. $1500/dependent < 21 Dentures included in major limited coverage limited coverage limited coverage Website /Documents/Retirement/Reti ree-benefits-booklet.pdf Pros GROUP PLANS a couple levels of coverage and dental and travel are optional - lots of coverage Cons no control of plan design - expensive premiums -extra membership required -third party eastern-based travel insurance a couple levels of coverage and dental and travel are optional - lots of coverage -base travel coverage will be 90 days no control of plan design - expensive premiums -extra membership required reasonable premiums and coverage complete control of plan design and membership -great flexible travel coverage & insured & managed by GMS lesser coverage but can be simple base& increased where necessary after some plan experience

7 Plan Type CITY RETIREE (1ST TO 65) PREMIUM COMPARISON INDIVIDUAL INDIVIDUAL GROUP GROUP GROUP PROVIDER Alberta Blue Cross Group # BLUE CROSS SENIOR PLUS (PLAN D) GMS OMNI + BASIC DRUG & 30 DAY TRAVEL ARTA ARTA W/TRAVEL GMS w/60 day travel Extended Health Plan Premiums Monthly Monthly Monthly Monthly Monthly Monthly SINGLE $42.36 (50%) $69.00 $32.25+$13.50+$11.25 =$57.00 COUPLE $ $66.25+$25.25+$23.25 =$ FAMILY $86.00 (50%) $77.25+$33.25+$26.00 =$ Dental Premiums Monthly $ $ $48.60 $ $ $92.33 $ $ $ Option A (optional) Option A (optional) SINGLE $22.23 (50%) incl in premiums above $41.75 $57.00 $57.00 $29.00 COUPLE incl in premiums above $82.25 $ $ $55.09 FAMILY $44.46 (50%) incl in premiums above $ $ $ $85.54