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Int
TO:
The W
Boar
WEA
With
Alloc
2010
will b
they
perce
prog
WEA
rates
parti
year
MeWhe
of 20
uncle
guida
rate
years
Since
years
to 6%
bene
cove
over
throu
Impo
troduc
WEA Lead
School Dis
Payroll/H
WEA Benefits
d of Directors
A Select Benef
no proposed
cation—the la
0, WEA is very
be looking for
will be carefu
eived value o
ram options.
A is pleased th
s for most of W
cular, the den
following 3 y
edical n National He
010, immedia
ear regulation
ance, contrib
increase the W
s.
e then, the W
s with very lo
%, and innova
efit and rate s
red employee
year decreas
ugh switching
ortant
ction
ders
strict Adminis
R
s Services Adv
s are pleased
fit Plan renew
d increase in t
ast time there
y sensitive to
r ways to miti
ully evaluatin
f benefit for e
hat employee
WEA’s sponso
ntal plan will
years with rat
Plan ealthcare Ref
te required b
ns and lack of
uted to the fi
WEA plans ha
WEA plans hav
w overall nee
ative approac
structure—res
es “doing the
ses in medica
g plans.
Renew
Effec
stration/Pers
visory Board (
to announce
wals.
the State Frin
e was an incre
the fact that
igate any rate
g the cost ve
each of the av
s will see no i
ored program
experience a
e reductions.
form was pass
benefit change
f specific regu
rst double dig
ad experience
e experience
eded rate incr
hes in the me
sulting in ove
e math” and s
l plan premiu
wal In
tive N
onnel/
(BSAB) and
e the 2013‐14
nge Benefit
ease was in
employees
e increase, an
rsus the
vailable
increase in
ms. In
rate pass thi
.
sed in March
es, along with
ulatory
git medical
ed in over 6
d 2 strong
reases of 5%
edical plan
er 40% of the
eeing year
ums, often
nforma
ovemb
4
nd
s
h
Much
plays a
impac
Health
utiliza
rate in
This is
as peo
numb
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down
At the
under
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well a
repres
medic
admin
enroll
The 20
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the dif
2, 3 an
increa
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Gihi
la
ag
co
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ab
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de
ation—
ber 1,
like in 2010,
a significant r
ct of several n
hcare Reform
tion and cost
ncrease than
s further amp
ople moved o
ers—frequen
, but taking a
toward even
e same time, h
rlying medica
avorable and
s their very lo
senting in tot
cal plan. Thes
nistering the p
ment/benefit
013‐14 overa
considerable
fficult decisio
nd 5. This is th
ased in 9 year
fication was n
iven the curre
gher than typ
rge number o
gain this fall. I
ontinued enro
nce office vis
rugs are not s
bsorbed only
omprehensive
or most peop
xperience wil
eductible.
—Plea
2013
National Hea
role in this ye
new fees and
m, along with t
ts shifts, cont
has been exp
plified by signi
off of Plan 1 a
ntly moving n
n unprecede
n larger month
however, WE
l and pharma
well below m
ow administra
tal, only ~5% o
e expenses e
plan, includin
ts administra
ll renewal rat
discussion an
on to increase
he first time t
rs! WEA believ
necessary for
ent funding e
pical rate incr
of enrollees c
It will help po
ollment migra
its, preventiv
subject to the
by people wh
e medical ser
le, the premi
l be greater t
se Re
althcare Refo
ear’s renewal.
taxes to help
their projecte
ribute (4%+)
perienced in m
ificant enrollm
nd other plan
ot only one p
nted two or t
hly cost savin
EA is pleased t
acy claims tre
market bench
ative expense
of premium f
ncompass all
ng WEA’s onli
tion system.
te increase is
nd evaluation
e the deductib
the deductibl
ves that this
the following
environment a
rease, it’s pro
could likely sw
osition the pla
ation.
ve care and pr
e deductible,
ho need to us
vices.
um relief tha
han the incre
ad!
Page 1
rm again
. The overall
p fund
ed impact to
to a higher
many years.
ment shifts,
ns in large
plan level
three steps
ngs.
that the
nds remain
hmarks; as
es—
for the
aspects of
ne
+16.8%.
n, WEA made
ble on Plans
les have been
benefit
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and the
ojected that a
witch plans
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rescription
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se more
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ate StabWEA Rate Sta
to benefit pl
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mium subsidy.
medical plan
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n years by as
approach of re
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ious year. Thi
o longer havin
ey Plan WEA Select P
Very large pur
statewide, ma
plan participa
Favorable fun
result in very
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aspects of adm
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ortant
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ent tiers to en
ward the 3:1
nformation r
with ESSB 594
bilizatioabilization Fun
an participan
of this year’s p
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renewal does
ble to subsidiz
s much as 2.5%
educing the s
% subsidy last
is was design
ng a subsidy a
Featurlans include:
rchasing pool
any of which
nts
nding and fina
low plan adm
emium for th
ministering th
ment/benefits
Renew
Effec
djustment to
nsure districts
ratio, require
egarding step
40 can be fou
on Fundnd (RSF) is co
nts through pr
plan renewals
s not include
ze rates for ea
% in some ye
subsidy the pa
year and only
ed to minimiz
available at so
es/High
ls, blending a
cover over 12
ancial arrange
ministrative ex
he medical pla
he plan, inclu
s administrat
wal In
tive N
o the employe
s continue to
ed by ESSB
ps the plan is
und on pages
d ntinually bein
remium
s include a
a subsidy this
ach of the pa
ars. WEA too
ast two years
y 1.5% the
ze the impact
ome point.
hlights
ll claims
26,000 total
ements, whic
xpenses (less
an for all
ding WEA’s
ion system)
nforma
ovemb
ee
ng
s
st
ok
s,
t
h
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of
ex
he
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be
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ge
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ation—
ber 1,
or most “Basi
egotiated wit
f premiums in
xpenses to W
eld in the RSF
ccount. By co
enefit plan pa
When ther
claims and
premium, o
claims and
can be offs
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self‐insured
forward a d
feature tha
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need to ma
stop‐loss in
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reserve acc
he sophisticat
vorable healt
eneric prescri
hem, and incr
Management P
A SELECntact Inn Hewitt
0 Fifth Avenu
ttle, WA 981
m Service Lin
m Fax:
ail:
—Plea
2013
c Benefit” pro
h our chosen
n excess of cla
WEA’s RSF Trus
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ontract, these
articipants, us
re is no mone
administrativ
our vendors m
carry the def
set by future g
ays the plans
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deficit, the W
at is even mo
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ake up the de
nsurance imm
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tion of our pl
th care behav
iptions—with
eased partici
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e:
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ormal 501 (c)
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operate as if
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WEA Select Pla
re advantage
lf‐insured pla
eficit between
mediately, eit
or from a pre
an participan
viors, such as
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pation in the
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206
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Page 2
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ges 4–7)
tions
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2013
wal
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se Re
dical, Dental, V
Rate Action
16.4% to +17nding on plan
0%
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+3.8%
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+2.2% to +4.3epending on p
0%
0%
0%
Rate Action
0%
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Page 3
Vision, and
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mont
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rates
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ection 2
enefit Cfollowing is a
booklets for
oup Basw Plan Year as communic
ct program ha
th of October
WEA SWEA Select M
s). The renew
projected enr
ffer a wide va
ease Deduxplained on p
2
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5
e: For most e
Plan 5 out
Office visi
ductible Cardeductibles fo
modified to be
ember 1st thro
ortant
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Changebrief summa
a full descript
sic Bene cated in Marc
as moved to N
r.
Select MMedical Plan r
al includes an
ollment migr
riety of optio
ctible (Planage 1, WEA h
In‐Netwo
$100
$200
$100 individ$300 fam
employees, th
t‐of‐network
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ough Decemb
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e Summry of benefit
tion of benef
efit Plans
ch, in respons
November 1,
Medical rate increase
n increase in t
ation this fall
ons to meet th
ns 2, 3 and 5has made the
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ork
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dual / ily
he amount sa
services are s
on drugs and
All Plans, exclans are calcu
h the new Nov
ber 31st will be
wal In
tive N
ect 201
mary modification
its, limitation
s with C
se to numerou
beginning th
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the deductibl
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aved in annua
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vember 1 pla
e credited tow
nforma
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s/enhanceme
ns, and exclus
hanges
us requests fr
is fall. The 20
Premera+17.0%, depe
le for Plans 2,
orts the long
eds of plan p
sion to increa
etwork
person
al premium ex
eparate per p
are are not su
HDHP) alendar year b
n year. There
ward the nex
ation—
ber 1,
Renew
ents only for
sions.
rom school d
012‐13 rates a
a Blue Cending on pla
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term financia
participants.
ase deductibl
In‐Net
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xceeds the inc
person deduct
ubject to the d
basis. The pla
efore, any ded
xt year’s calen
—Plea
2013
wal
those plans w
istricts, the re
and benefits w
Cross an and tier (re
e below), whi
al viability of
les on Plans 2
New De
twork
$200 individua
$300 individua
ividual / family
crease in ded
tible, with no
deductible.
an’s deductib
ductible amo
ndar year ded
se Re
with changes.
enewal date f
will continue
efer to Sectio
ch positions t
the plans wh
2, 3 and 5 as f
eductible
Out‐of
al / $600 fam
al / $900 fam
$350 p
ductible.
o family maxim
le carry‐over
unts incurred
ductible.
ad!
Page 4
. Refer to
for the WEA
for the
n 5 for the
the plan for
hich continue
follows:
‐Network
ily
ily
per person
mum.
provision wil
d from
ll
CliniAs re
relat
does
a qua
appr
proto
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psych
A
Eb
A
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PremPrem
Prem
non‐
prim
ESS
Low Scho
a full
year
As w
cove
plan
WEA
inten
the 2
Plan,
Impo
ical Trials (Aequired by a s
ed to a Phase
not include t
alified IBR, su
oved criteria.
ocol. All bene
nsgender Beplans will incl
hotherapy an
All benefits ar
Eligible surgic
benefit of $25
A Benefit Adv
e: The overa
mera’s Contmera will be im
mera will proa
cancerous co
ary care phys
B 5940 a
Cost Plan Ool districts m
l‐time employ
that starts pr
as the case la
rage tiers (ble
for the 2013
A’s actuarial re
nt of this requ
2013‐14 fringe
, and therefor
ortant
All Plans) state mandate
e I, II, III or IV
the actual cos
uch as the Nat
. The enrollee
efits are subje
enefits (All Pude coverage
nd surgical ser
re subject to a
al services, in
5,000.
visory (or Pre‐
all rate impac
trolled Subsmplementing
actively identi
onditions. The
sician to estab
nd Other
Offering as ust offer at le
yee does not
rior to the sch
ast year, this r
ended payrol
plan year is 1
esources re‐te
uirement. Ba
e benefit fund
re, the plan m
Renew
Effec
e, coverage o
clinical trial f
st of the trial
tional Institut
e must meet t
ect to the ded
Plans) e for medicall
rvices, as follo
applicable co
ncluding facili
‐Authorization
t for adding t
stance Meda new contro
ify enrollees w
ese individual
blish treatme
r Update
Comparedeast one heal
exceed the s
hool year.
requirement
l contribution
15% contribut
ested the pla
sed on the 20
ding amount
meets or exce
wal In
tive N
of clinical trial
for treatment
itself. The cli
tes of Health
the eligibility
ductible and c
ly necessary t
ows:
payment, ded
ty and anesth
n) is required
this benefit w
dication Saolled substan
who are at ris
s will be cont
ent alternative
es
d to State Beth plan (othe
hare of prem
applies to the
n split over al
tion from full
ns and believ
013‐14 rates a
covers more
eeds this requ
nforma
ovemb
s is being exp
t of cancer or
nical trial mu
(NIH) or othe
requirement
coinsurance p
transgender s
ductible and
hesia charges
d.
was negligible.
fety Policy ce medicatio
sk of over util
tacted by a Ca
es that meet
enchmark Per than QHDH
iums paid by
e portion of f
l four covera
‐time employ
ve that the W
and statewid
than 85% of
uirement.
ation—
ber 1,
panded to inc
other life‐thr
ust have Instit
er facility or re
ts of the clinic
provisions of t
services, inclu
coinsurance.
s related to th
.
(All Plans) n safety med
lization of con
ase Manager
the patient’s
Plan HP) in which th
y state employ
full plan prem
ge tiers). The
yees and 85%
WEA Select Eas
e average en
the composit
—Plea
2013
clude all in‐ne
reatening dis
tutional Revie
esearch entit
cal trial accor
the plan.
uding hormon
he surgery are
dical policy, ef
ntrolled subst
who will wor
specific need
he employee
yees during t
mium costs pa
e benchmark f
% paid by the
syChoice Plan
rollment mix
te costs for th
se Re
etwork routin
eases or cond
ew Board (IBR
ty that meets
rding to the tr
ne treatment
e available up
ffective July 1
tance prescri
rk in conjunct
ds.
share of the
he state’s be
aid by employ
from the stat
employer.
n continues t
x in the EasyC
he WEA Selec
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Page 5
ne services
ditions. It
R) approval by
the
rial’s
, counseling,
p to a lifetime
1, 2013.
ption(s) for
tion with the
premium for
nefits plan
yees over all
te employee
to meet the
hoice Plan,
ct EasyChoice
y
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r
3:1 RAs re
was t
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ical Plan, Pre
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ide districts w
information t
"aggregate"
ployer Shareting on Januar
e a week) are
ce penalties (
ount rates:
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Affordable co
household inc
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responsibility
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ortant
SB 5940, scho
year, premium
oyees coverin
s was done in
g RequiremeInsurance Co
mera provide
e that was re
with their own
to districts. W
plan informa
ed Responsry 1, 2014, em
required to p
(known as the
A Select Med
verage is def
come for the
ealth Plans (a
penalties in 2
an
Renew
Effec
ool districts m
ms for the 20
ng themselve
n an effort to
ents mmissioner (
ed the reques
eceived from t
n specific clai
With this in m
tion. This rep
sibility (Natimployers with
provide afford
e shared resp
ical Plans me
ined as any e
taxable year.
s outlined be
2014.
Full‐Ti
wal In
tive N
must make pro
013‐14 plan ye
es and a slight
provide relie
OIC) data req
sted aggregat
the OIC, the W
ms experienc
ind, a Plan M
port will be di
ional Healthh more than 5
dable health
ponsibility pen
et the minim
mployee‐onl
. Any school d
elow) meet th
ime Employe
Yes
Yes
nforma
ovemb
ogress towar
ear have bee
tly lower need
ef to families,
quest was issu
e data.
WEA Select M
ce. However,
anagement R
stributed to d
hcare Refor50 full time e
coverage tha
nalties). Infor
um essential
y coverage th
district offerin
e affordabilit
Meets th
es P
ation—
ber 1,
rd the 3:1 rati
n adjusted to
ded rate incre
and help dist
ued in March
Medical Plan/P
WEA suppor
Report is bein
districts later
rm) mployees (de
at meets mini
rmation provi
coverage req
hat costs less
ng its employ
ty provisions
he Affordabil
Part‐Time Em
Yes—If iNo—If in
—Plea
2013
io for premiu
o reflect a slig
ease for emp
tricts continu
2013. On be
Premera Blue
ts providing s
ng developed,
r this summer
efined as anyo
mum essenti
ided below is
quirements.
s than 9.5% of
yees the Easy
and thus will
lity Provision
mployees—W
income is at lncome is less
Ye
se Re
m out‐of‐poc
ghtly higher n
ployees coveri
ue to meet th
half of the W
e Cross does n
some level of
, which will p
r.
one working
al coverage r
s based on the
f the employe
Choice and Q
not be subje
ns
Working 30 Ho
east $12,000than $12,000
es
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Page 6
cket costs. As
eeded rate
ing
is
WEA Select
not need to
f aggregate
rovide high
30 hours or
requirements
e 10%
ee’s
Qualified High
ect to shared
ours a Week
0 a year 0 a year
WEThe W
with
asses
take
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addit
by W
share
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one m
for th
2012
Histo
all fa
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will b
the n
C. The L
robu
N
N
N
D. As a
asked
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asked
that
the W
Impo
A Select WEA Select H
the 2014 ope
ssment and p
the assessme
nning January
tional resourc
WebMD) will c
ed before the
Core to the plan ye
month. All en
he month of O
2‐13 benefit m
orically, WDS
mily member
received. Now
be shut down
new online en
WEA SLife and AD&
st system at U
New Survivor
New Airbag B
New Repatria
Depereminder, em
d to provide d
loyees should
d to “certify”
certification d
WEA Select De
ortant
Health Mealth Manag
en enrollmen
potentially qu
ent as part of
y 1, 2014, the
ces will be av
continue to be
e new tools “g
Dental ear changing
nrollees will re
October. This
maximum. The
has not requ
rs. Instead, th
w that all the
coinciding w
nrollment syst
Select LD plans (Life w
Unum. This m
Support Cou
enefit
tion Benefit
endent Employees who
documentatio
d be directed
that they are
does not verif
ependent Ve
Renew
Effec
Managemement Progra
t period. This
alify for healt
f the new onli
e program wil
ailable to par
e available th
go live” in Jan
Plan to November
eceive a set d
s “extra” bene
e full 2013‐14
ired enrollme
heir “auto‐gen
data has bee
with open enro
tem to ensur
ife and with Medical,
move will prov
nseling Servic
Eligibilityo enroll new d
on to verify th
to Your Bene
e adding valid
fy dependent
rification Tea
wal In
tive N
ment Progam will move
s is the time w
th coaching. S
ine enrollmen
l be administ
rticipants at t
rough Decem
nuary 2014.
r 1, Washingt
dollar amount
efit of $170 w
4 annual bene
ent forms to a
n” system wo
en transferred
ollment in the
e that all elig
AD&D P, Group Life a
vide some pla
ce
y Verificadependents o
heir depende
efits Resource
d dependent(s
t eligibility. Sh
m (located in
nforma
ovemb
gram e its qualificat
when particip
Starting with
nt process.
tered by Vivac
hat time. The
mber, 2013. A
ton Dental Se
t of approxim
will be availab
efit year max
add new depe
ould automat
d to the new
e fall. Employ
ible depende
Plan—Uand Voluntary
an enhancem
Inc
Add
ation (Mon the WEA S
ents’ eligibility
es (YBR) to ad
s) through th
hortly thereaf
n Lincolnshire
ation—
ber 1,
tion period fro
pants are enco
open enrollm
city. New onl
e current onli
Additional info
ervice (WDS) w
mately 1/12th o
ble in addition
imum will be
endents to th
ically add a n
online enroll
yees should re
ents are enrol
num y Term Life) w
ments, includin
reased Accele
ditional Paral
Medical, Delect Medica
y for coverage
dd new depen
e online enro
fter, employe
e, Illinois) whi
—Plea
2013
om February
ouraged to ta
ment in 2014,
ine tools, trac
ne tools and
ormation abo
will be extend
of the $2,000
n to any rema
e available eff
he plan since
new dependen
ment system
eview their d
lled.
will be moving
ng:
erated Death
ysis Benefits
Dental anl, Dental and/
e under the W
ndents to the
ollment proce
ees will receiv
ch will descri
se Re
1 through Ap
ake the online
enrollees wi
ckers, games
resources (ad
out the progra
ding the bene
0 annual bene
aining balance
fective Novem
the composit
nt to the plan
the “auto‐ge
ependent inf
g to a newer
Benefit
nd Vision/or Vision Pla
WEA Select Pl
plan(s). They
ess. Please ke
ve a request n
be the proce
ad!
Page 7
pril 11 to align
e health
ll be able to
and
dministered
am will be
efit year by
efit maximum
e of their
mber 1.
te rate covers
n after a claim
en” system
formation on
and more
Plans) ans will be
lans.
y will be
eep in mind
notice from
ss, including
n
m
s
m
the d
prosp
Gap V
Selec
depe
2013
Note
SeLateAddit
End New
maili
Tip: G
will a
movi
A
E$
In pre
perso
now
End Start
and v
V
C
U
R
Impo
documentatio
pectively.
Verification—
ct Medical Pla
endent(s) in th
3. Additional d
e: Employee
document
ection 3er this Monthtional inform
of July Summary of
ng.
Given that th
again be evalu
ing to a lower
An employee
Employees co
$2,750 by mo
evious years,
onal medical
available as p
of August ting on Augus
vision plan inf
View all WEA
Compare WEA
Use the Medi
Review their d
ortant
on needed to
—A separate p
an between N
he WEA Selec
details will be
es who have a
tation, even if
3—Whh ation regardi
Benefits, rate
ere is no incr
uating lower c
r cost plan. Fo
only purchas
overing full fa
oving to any o
a Plan Evalua
expenses com
part of the on
st 22nd the Yo
formation an
Select Plans o
A medical pla
cal Cost Estim
dependent in
Renew
Effec
verify eligibil
process will h
November 201
ct Medical, De
e provided be
already verifie
f they change
hat’s C
ng open enro
es and other
ease expecte
cost options.
or example, d
ser on WEA M
milies on Plan
f the EasyCho
ation Worksh
mpared to dif
nline enrollme
our Benefits R
d will be avai
offered (bene
ns, side by sid
mator tool—c
formation to
wal In
tive N
ity and the d
happen later t
11 and Octob
ental and/or
efore notices a
ed the eligibili
e WEA Plans.
Coming
ollment will b
brochures fo
ed in the State
Employees m
did you know
Medical Plan 5
n 3 would sav
oice options.
heet was inclu
fferent plan b
ent system. P
Resources (YB
ilable for view
efits and rate
de
ustomizable t
ensure that
nforma
ovemb
eadline. Unve
this year for e
er 1, 2012. It
Vision Plans o
are mailed to
ity of their de
g in the
e communica
r the WEA en
e Fringe Bene
may be able to
…
5 can eliminat
ve nearly $23
uded to assist
benefit/rate o
Please see bel
BR) website w
wing. At this t
s)
to each empl
all eligible de
ation—
ber 1,
erified depen
employees w
will also inclu
on or after Oc
o impacted em
ependents wo
e Sum
ated to schoo
ndorsed progr
efit Allocation
o reduce thei
te the rate inc
0 per month
t your employ
options. Howe
low for additi
will be update
time, employe
loyee’s and fa
ependents are
—Plea
2013
ndents will be
ho enrolled d
ude employe
ctober 1, 201
mployees.
on’t be asked
mer
ol districts lat
rams will be i
n for the 3rd y
ir out‐of‐pock
crease, just b
with an annu
yees in plann
ever, a more
ional informa
ed with the 20
ees may acce
amily membe
e enrolled
se Re
e removed fro
dependents in
es who enrol
12 and before
to provide ad
er this month
ncluded in th
year in a row,
ket co‐premiu
by moving to P
ual savings of
ing/projectin
robust autom
ation.
013‐14 medic
ess YBR to:
er’s needs
ad!
Page 8
om the plan(s
n the WEA
led a
e January
dditional
h.
he brochure
, employees
ums by
Plan 2.
almost
ng their
mated tool is
cal, dental
)
AugOffic
smar
SeAltho
empl
State
$
Retir
$
Net S
$
* If re
A sep
Budg
Impo
gust 26th thrcial open enro
rt phone, or b
ection 4ough the Stat
loyee benefit
e Allocation
$ Increase (%
ree Subsidy
$ Increase (%
State Allocatio
$ Increase (%
tiree subsidy is n
parate comm
get is finalized
ortant
rough Septeollment perio
by calling the
4—201e Budget has
ts per FTE and
Increase)
Increase)
on *
Increase)
not paid by distr
unication con
d.
Renew
Effec
ember 30thod when emp
e WEA Select
13-14 Ss not been fin
d the Health C
rict.
nfirming the S
wal In
tive N
ployees may e
Benefits Cen
State Falized to date
Care Authorit
State Allocati
nforma
ovemb
enroll and ma
ter.
Fringe e, the propos
ty remittance
Current 2012‐13
$768.00
$65.17
$702.83
on and Retire
ation—
ber 1,
ake changes
Benefised changes t
for retired sc
3
Se
0
‐
‐
3
ee Subsidy am
—Plea
2013
on YBR throu
it Alloco the monthl
chool employ
nate Propose2013‐14
$763.00
$5.00 (‐0.7%)
$60.17
$5.00 (‐7.7%)
$702.83
No Change
mounts will be
se Re
ugh the secur
cation ly state alloca
yees is as follo
ed Hous2
$
) No
) ‐$0.
$
$0
e provided on
ad!
Page 9
re website, a
ation for
ows:
se Proposed 2013‐14
$768.00
o Change
$64.40
.77 (‐1.2%)
$703.60
.77 (0.1%)
nce the State
SeThe
WEPrem
Plan
Empl
Empl
Empl
Empl
Plan
Empl
Empl
Empl
Empl
Plan
Empl
Empl
Empl
Empl
EasyC
Empl
Empl
Empl
Empl
QHD
Empl
Empl
Empl
Empl
Note
Impo
ection rates listed
EA Selecmera Blue Cro
5/Foundatio
loyee only
loyee + spous
loyee, spouse
loyee + child(
2
loyee only
loyee + spous
loyee, spouse
loyee + child(
3
loyee only
loyee + spous
loyee, spouse
loyee + child(
Choice Plan
loyee only
loyee + spous
loyee, spouse
loyee + child(
HP
loyee only
loyee + spous
loyee, spouse
loyee + child(
e: Rates and
However,
could resu
ortant
5—201 below bec
ct Medicoss
on
se
e + child(ren)
(ren)
se
e + child(ren)
(ren)
se
e + child(ren)
(ren)
se
e + child(ren)
(ren)
se
e + child(ren)
(ren)
d benefits are
any mid‐yea
ult in a mid‐ye
Renew
Effec
13-14 Mcome effec
cal Plan
+1
+1
+1
+1
+1
intended to b
r benefit chan
ear adjustme
wal In
tive N
Monthtive Novem
s (+16.4%
16.5 to +17.0%
16.5 to +16.9%
16.5 to +16.9%
16.4 to +16.8%
16.4 to +16.8%
be guarantee
nges and/or i
nt.
nforma
ovemb
ly Renmber 1, 2013
% to +17.0
%
%
%
%
%
ed for 12 mon
interpretation
ation—
ber 1,
ewal R3.
0%—dep10% Discoun
$908.15
$1,745.15
$2,102.35
$1,239.10
$776.40
$1,420.85
$1,703.45
$1,036.50
$694.75
$1,271.60
$1,524.55
$927.65
$495.90
$900.55
$1,078.95
$657.75
$389.85
$707.10
$835.45
$516.75
nths (Novemb
n/guidance on
—Plea
2013
Rates
pending ont
ber 1, 2013 th
n health care
se Re
on plan aFull R
$1,00
$1,93
$2,33
$1,37
$85
$1,57
$1,88
$1,14
$76
$1,40
$1,69
$1,02
$54
$99
$1,19
$72
$43
$78
$92
$57
rough Octobe
e reform (Fede
ad!
Page 10
and tier) Rate
09.10
37.90
34.55
76.60
8.30
4.85
8.70
7.35
8.65
9.40
0.25
7.40
8.35
7.90
5.95
7.95
0.95
3.40
5.95
1.80
er 31, 2014).
eral or State)
WECore
Plan
Plan
Plan
PPO
Man
WDS
Delta
Willa
Plan
Plan
WEWDS
Plan
Plan
Plan
Plan
Plan
Plan
Plan
Plan
Plan
Willa
Plan
Plan
Plan
Plan
Plan
Plan
* Rat
gro
Impo
A Select Dental Plans
A
B
C
Plan*
aged Dental
S
aCare Plan
amette Denta
1
2
A Select S Orthodontia
A
B
C*
D*
E*
F
G
H
I
amette Denta
1
2
3
4
5
6
tes for existing g
oups.
ortant
Dental Ps (WDS)
Plans
al
Orthodoa Plans
al Orthodonti
roups only. Plan
Renew
Effec
Plans
$10
$9
$8
$10
$6
$7
$6
ontia Plan
$1
$1
$
$1
$1
$1
$1
$2
$1
ia Plans
$
$
$
$1
$
$
ns are no longer
wal In
tive N
No Change
06.40
97.20
85.40
01.45
+3.8%
67.75
No Change
74.70
64.35
ns No Change
14.90
10.05
$6.00
16.70
11.35
17.85
12.00
20.65
13.70
No Change
$9.45
$7.60
$3.85
11.05
$8.80
$4.45
available to new
nforma
ovemb
w
WEAVision
Plan
A
B
C
D*
E
F
WEA
Unum
$10,00
$15,00
$25,00
$30,00
$50,00
$75,00
WEA
Unum
Age Ba
34 and
35‐39
40‐44
45‐49
50‐54
55‐59
60‐64
65‐69
70 and
Depen
ation—
ber 1,
A Select Vn Plans
Re
A Select G
m
00
00
00
00
00
00
A Select V
m
ands
d Under
d Over
ndent Child(re
—Plea
2013
Vision Pla
enewal Rate
$16.80
$27.90
$31.25
$24.70
$20.45
$11.70
Group Lif
VTL Plan
en)
se Re
ans +2.2%
Provid
Premer
fe Plans No Ch
Includes 50
$1
$1
$2
$2
$4
$6
No ChIncludes 50
Per $1
$0
$0
$0
$0
$0
$0
$0
$0
$1
$0(per
ad!
Page 11
% to +4.3%
er Network
ra Blue Cross
VSP
VSP
None
VSP
VSP
hange 0% Subsidy
1.00
1.30
2.20
2.40
4.10
6.00
hange 0% Subsidy
1,000
0.05
0.06
0.08
0.11
0.16
0.26
0.38
0.64
1.03
0.20 month)