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June 14, 2000 <br />Health Insurance Recommendation <br />It is recommended that the County continue its generous benefits by selecting the Blue Cross Blue <br />Shield proposal with modified medical benefits and select the Lincoln Re as its stop -loss insurer. The <br />Blue Cross proposal provides the lowest overall cost projection and maintains the current hospital <br />and physician network. Prescription benefits are recommended to be included in the Blue Cross Blue <br />Shield proposal. <br />We recommend that the County pay 100% of the employee cost and that the County subsidy be set at <br />a maximum of S400 per month for dependent medical coverage. <br />We recommend that the Group Employee Life and Accidental Death & Dismemberment Insurance, <br />the Supplemental Life Insurance and the Voluntary Dependent Life Insurance benefits be purchased <br />from the Highmark Life Insurance Company as it represents the lowest cost propostd. We <br />recommend that the Group Life Insurance and AD&D benefits be removed from the current Section <br />125 Plan to avoid possible adverse income tax consequences. <br />We recommend that the Mental Health benefits continue to be purchased from the Unipsych <br />organization. <br />'41 <br />We recommend that the Voluntary Long -Term Disability benefits be purchased from the UNUM <br />Insurance Company and also removed from the current Section 125 Plan and provided as a separate <br />plan to avoid adverse income tax consequences. <br />The total cost to the County, based on the current enrollment of 1,368 employees is displayed in the <br />following chart. <br />14 <br />71 <br />2 <br />