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Mrs. Stanford explained that the plan you see to the left <br />illustrates the current benefit design. The recommended plan to <br />the right has 3 levels of benefits illustrated. The middle <br />column, which is headed Humana Hospital/Fla. Health Network PPO, <br />is the primary PPO program which very nearly duplicates the <br />benefits you have now with a $200 deductible. There are some <br />minor changes. Instead of being $400 cumulative, the family <br />deductible is two times the individual. The cumulative <br />deductible is still $400, but instead of 4 people in the family <br />meeting $50 apiece, now two individuals in the family have to <br />reach a $200 deductible. The lifetime maximum benefit has been <br />reduced from $5 -million to $1 -million, the reason being that the <br />$1 -million is industry standard. By keeping a $5 -million benefit <br />level, the County exposes itself to extraordinary liability. In <br />the event there is a claim which might extend the $1 -million, you <br />always can deal with case management situations. However, if the <br />County gets a claim running $200,000-$400,000, it could be <br />prevented from buying other coverage. So, from a cost management <br />standpoint, it is important to limit that $1 -million lifetime <br />coverage. <br />Continuing,.Mrs. Stanford emphasized that the benefits of <br />the recommended -program are very similar to the current program <br />if the employee uses the preferred providers that are in the <br />Florida Health Network or in the Humana Hospital/Sebastian. The <br />current PPO is being expanded. Due to the IRMH PPO arrangements, <br />Anthem currently is negotiating with the physicians so that there <br />will be 40-60 additional physicians to the ones that have been <br />published in the present booklet. If you go to IRMH, you have an <br />80% benefit with no deductible, which is an enhancement in the <br />benefits. If you go to a hospital other than IRMH or Humana <br />Hospital/Sebastian or one of the other Florida Health Network <br />hospitals, your percentage of co-insurance increases by 200. The <br />Doctors Clinic program currently has about 35-50 physicians on <br />