2005 BIG CITIES COMPARISON

OBSERVATIONS

CITY SUBSIDY

- Dallas has the lowest subsidized percentage for employee of the five city compared

- Dallas has the fourth lowest percentage of the five Cities compared for employee only subsidy

- Dallas is the only City that does not subsidy spouses

- Dallas is comparable to the subsidy of the other cities for children

- Dallas has the lowest subsidized percentage for retirees & dependents of the five cities compared

EMPLOYEE CONTRIBUTIONS

- Dallas has the fourth highest premium for employee only

- Dallas has the highest premium for employee + spouse. COD does not subsidize spouses

- Dallas is comparable to the premiums of the other cities for employee+children

- Dallas has the highest premium for employee + family. COD does not subsidize spouses

PLAN BENEFITS

- Dallas has the largest deductible and Out Of Pocket (OOP) maximums for in-network providers

- Dallas preventative care benefits are comparable to the cities surveyed

- Dallas co-pays are comparable to the cities surveyed

Benefits Survey 2005

MEDICAL BENEFITS

Questions

Plans

Dallas

Fort Worth

Austin

Houston

San Antonio

FTE's

13431

5,752

10,688

21,072

12,852

#EMPLOYEES ENROLLED (approx.)

12,331

5,708

10,021

19,781

9,481

#RETIREES ENROLLED (approx.)

5,148

2,163

2,588

7,454

1,512

TOTAL # OF LIVES (approx.)

26,000

14,675

21,400

67,383

28,000

ENROLLMENT (approx.)

HMO

2,740

N/A

4,031

26,418

3,309

PPO

11,856

6,822

8,271

817

8,225

AARP

1,054

-

-

-

-

WAIVED (employees)

1,829

-

-

-

-

TOTAL BUDGETED COST (medical)

$89,000,000

$54,390,130

61,696,000

199,000,000

74,641,238

Financial Data

Subsidy per FTE

$3,740

6,725

$6,653

$8,086

Still awaiting response

Employee Subsidy

87%

90%

100%

71%

97%

Spouse Subsidy

0%

25%

50%

65%

85%

Retiree Subsidy

50%

Subsidy is based on year of service up to 100% for 25 years and up to 50% of dependent costs

80%

59% (<65); 77% (65+); AVG 68%

Still awaiting response

Child(ren) Subsidy

66%

50%

49-75%

65%

90%

Contribution - Most Popular PPO Plan

Employee Only

$58

$37.37

0

$105.12

$7

Retiree Only (Over 65/Under 65)

201 & 305

Rate is based on year of service down to 0% after 25 years and as much as 50% of dependent cost

67.90/118.83

$173.52/$252.40

Still awaiting response

Employee + Spouse

$371

$234.03

189.44

$302.82

$42

Retiree + Spouse (Over 65/Under 65)

568 & 863

305.57/356.50

$457.08/$569.26

Still awaiting response

Employee + Child(ren)

$140

$202.26

139.58

$392.74

$25

Retiree + Child(ren) (Over 65/Under 65)

448 & 522

209.75/260.68

562.30/878.34

Still awaiting response

Employee + Family

$453

$316.05

318.04

$392.72

$59

Retiree + Family (Over 65/Under 65)

1041 & 1072

447.42/543.51

$562.30/$878.34

Still awaiting response

Type of Medical Plans Offered

Self- or Fully-Insured

PPO-High

SELF

SELF

SELF

N/A

N/A

PPO-Low

SELF

SELF

SELF

SELF

SELF

HMO

BCBS

N/A

FULLY

FULLY

FULLY

Carrier/TPA by Plan

PPO-High

HUMANA

AETNA

UHC

N/A

N/A

PPO-Low

HUMANA

AETNA

UHC

BCBS

TRUE CHOICE

HMO

BCBS

N/A

AMIL

BCBS

COM FIRST

Deductible by plan

Deductibles

A) Per person

PPOH/IN

$1,000

$1,000

$300

N/A

N/A

PPOH/OoN

$2,000

$1,500

$900

N/A

N/A

PPOL/IN

$300

$750

N/A

$200

250

PPOL/OoN

$600

$2,000

N/A

$400

500

B) Per family

PPOH/IN

$3,000

$1,000

$900

N/A

N/A

PPOH/OoN

$6,000

$3,000

$2,700

N/A

N/A

PPOL/IN

$900

$2,000

N/A

$600

$500

PPOL/OoN

$1,800

$4,000

N/A

$1,200

$1,000

Maximum Out-of-Pocket

Out-of-Pocket Maximums

Per person

PPOH/IN

$4,000

$2,000

$2,500

N/A

N/A

PPOH/OoN

$8,000

$4,000

$10,000

N/A

N/A

PPOL/IN

$2,800

$2,000

N/A

$3,000

$1,500

PPOL/OoN

$5,600

$4,000

N/A

$5,000

$3,000

HMO

$2,500

N/A

$2,000

$1,500

$1,000

Per family

PPOH/IN

$8,000

$4,000

2,500X#deps

N/A

N/A

PPOH/OoN

$16,000

$8,000

10,000X#deps

N/A

N/A

PPOL/IN

$5,400

$8,000

N/A

$6,000

$3,000

PPOL/OoN

$11,800

$16,000

N/A

$10,000

$7,000

HMO

$5,000

N/A

2,000X#deps

$3,000

$2,500

Maximum Lifetime Benefit

PPOH/IN

UNLIMITED

NONE

$1,000,000

N/A

N/A

PPOL/IN

UNLIMITED

NONE

N/A

$1,500,000

$1,000,000

HMO

UNLIMITED

N/A

UNLIMITED

UNLIMITED

$1,000,000

Physician Services

Physician Copayments

Doctor Copay/Coinsurance

PPOH/IN

80%

$20

$20

N/A

N/A

PPOH/OoN

60%

35%

40%

N/A

N/A

PPOL/IN

80%

$25

N/A

$30

$15

PPOL/OoN

60%

40%

N/A

40%

60% after deductible

HMO

20 per visit

N/A

$20

$20

$15

Emergency Services

Emergency and Urgent Care Copayment/Employee Share

ER Copay/Coinsurance

PPOH/IN

$50

$100 co-pay

$100

N/A

N/A

PPOH/OoN

$50

$100 co-pay

$100

N/A

PPOL/IN

$50

$125 co-pay

N/A

$150+20%

80% after deductible

PPOL/OoN

$50

$125 co-pay

N/A

$150+20%

HMO

$150/visit

N/A

$100

$150

$100

Urgent Care Copay/Coinsurance

PPOH/IN

80%

$100 co-pay

$25

N/A

80% after deductible

PPOH/OoN

60%

$100 co-pay

$900/40$

N/A

PPOL/IN

80%

$125 co-pay

N/A

$60

80% after deductible

PPOL/OoN

60%

$125 co-pay

N/A

40%

HMO

$45/visit

N/A

$35

$40

$15

Hospitalization (by plan)

In-Patient Hospitalization Employee Costs

Copay/Coinsurance per admission

PPOH/IN

80/20

85/15

$300

N/A

N/A

PPOH/OoN

60/40

65/35

$900

N/A

N/A

PPOL/IN

80/20

80/20

N/A

$500

80% after deductible

PPOL/OoN

60/40

60/40

N/A

$1,000

HMO

$600/admission

N/A

100 DAY/300 MAX

$500

$0

Employee's Cost after Copay/Coinsurance

PPOH/IN

20%

15% after Deductible

15%

N/A

N/A

PPOH/OoN

40%

35% after Deductible

40%

N/A

N/A

PPOL/IN

20%

20% after Deductible

N/A

20%

N/A

PPOL/OoN

40%

40% after Deductible

N/A

40%

N/A

HMO

$0.00

N/A

0%

0%

N/A

Preventative Benefits By Plan (Copays/Coinsurance)

Routine Physicals

PPOH/IN

80%

$20

$20/0%

N/A

N/A

PPOH/OoN

60%

35%

$900/40%

N/A

N/A

PPOL/IN

80%

$25

N/A

$30

100% LIMITED $300

PPOL/OoN

60%

40%

N/A

40%

60%

HMO

$20 co-pay

N/A

$20/0%

$20

$15

Any maximum benefit allowed?

PPOH/IN

UNLIMITED

UNLIMITED

UNLIMITED

N/A

INCLUDED IN LT

PPOH/OoN

UNLIMITED

$1,000,000

UNLIMITED

N/A

N/A

PPOL/IN

UNLIMITED

UNLIMITED

N/A

N/A

INCLUDED IN LT

PPOL/OoN

UNLIMITED

$1,000,000

N/A

LIFETIME MAX

INCLUDED IN LT

HMO

UNLIMITED

N/A

UNLIMITED

LIFETIME MAX

INCLUDED IN LT

Immunizations

PPOH/IN

20

10%

$20

N/A

N/A

PPOH/OoN

40%

10%

60%

N/A

N/A

PPOL/IN

20%

10%

N/A

$30 (age 6+)

100% LIMITED $300

PPOL/OoN

40%

10%

N/A

40% (age 6+)

60%

HMO

No Copay

N/A

$20

$0

100%

Well child care

PPOH/IN

20%

10%

$20

N/A

N/A

PPOH/OoN

40%

10%

60%

N/A

N/A

PPOL/IN

20%

10%

N/A

$30

PREVENTIVE CARE

PPOL/OoN

40%

10%

N/A

40%

60%

HMO

$20

N/A

$20

$0

100%

Well Woman visits

PPOH/IN

20%

10%

$20

N/A

N/A

PPOH/OoN

40%

10%

60%

N/A

N/A

PPOL/IN

20%

10%

N/A

$30

PREVENTIVE CARE

PPOL/OoN

40%

10%

N/A

40%

60%

HMO

$20

N/A

$20

$0

100%

Prescription Drugs

Do you use a formulary?

YES

YES

YES

YES

YES

Do you use a "mandatory generic" program?

NO

?

NO

YES

NO

Local Pharmacy (30-day Supply)

Generic

PPOH

10%

$8

$10

N/A

N/A

PPOL

10%

$10

N/A

$10

$7

HMO

$10

N/A

$10

$10

$10

Name Brand Copay

PPOH

20%

$25

$25

N/A

N/A

PPOL

20%

$30

N/A

$30

$20

HMO

$25

N/A

$25

$30

$20

Non-Formulary (if applicable)

PPOH

30%

$54

40%

N/A

N/A

PPOL

30%

$50

N/A

$45

$40

HMO

$40

N/A

$40

$45

$40

Mail-Order (90-Day Supply)

Generic

PPOH

10%

$20

$20

N/A

N/A

PPOL

10%

$25

N/A

$20

$0

HMO

$10

N/A

$20

$20

$0

Name Brand Copay

PPOH

20%

$62.50

50%

N/A

N/A

PPOL

20%

$75

N/A

$60

$30

HMO

$25

N/A

$50

$60

$30

Non-Formulary Copay

PPOH

30%

$45

80%

N/A

N/A

PPOL

30%

$50

N/A

$90

$30

HMO

$40

N/A

$80

$90

$30

Benefits Survey 2004

MEDICAL BENEFITS