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AUG 91983 ego54 mu..?96 <br />3) re the percentage paid to the agency, Mr. Chalmers noted <br />that the Zeuch Agency has a service contract with the School <br />Board, the City of Vero Beach, the County, and the Hospital <br />District, and this allows them to have the expertise in <br />their office to help the claimants who come directly to <br />their of --ice. Mr. Chalmers believed that five or six County <br />people a week come to their office and they handle 20 or <br />more phone calls. He felt that all the public bodies have <br />benefited from their service. <br />Commissioner Lyons believed that Gulf Life had said <br />they would include the co-insurance feature for an <br />additional $5,000, but Mr. Schlitt explained that they had <br />evaluated this feature but could not add it. <br />Commissioner Lyons had questions relating to the <br />provision -for having cosmetic surgery within 12 months of an <br />accident, and wondered if this is a fair limitation in some <br />circumstances. <br />Mr. Schlitt noted that this is a cost containment <br />provision. Sometimes people have had an accident or illness <br />and don't decide to do anything about it for several years; <br />their policy would not respond to that. In the case of <br />severe burns, for instance, where the surgery is not <br />medically feasible within this time, he felt you could get a <br />decision from the underwriter to continue the case for an <br />agreed period of time. Mr. Schlitt did not believe cosmetic <br />surgery is covered unless it is the result of an accident. <br />Chairman Bird at this point wished to enter into the <br />record a memo from Commissioner Wodtke speaking in support <br />of remaining with Aetna. Said memo is as follows: <br />M <br />