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• CA T]EPi1iTAL INSU(JE Sight insurance carriers submitted proposals for Indemnity Dental programs in response to the RFP. (See Mental Benefit and Rune Comparison for outline of all proposed dental plans.) The initial concern associated with the request for dental coverage was the provision for coverage for TMJ (Temporo -Mandibular Joint Disorder). However, this concern was alleviated when both of the health insurance finalists, CIGNA and blue Cross & Blue Shield, agreed to include the $750 lifetime benefit amount for TMJ under the health program at no additional increase to the proposed health insurance premiums. This allowed us to examine and compare the programs proposed with the current dental program in order to maintain consistency in dental benefits. The Deptal Benefit and Rate Comj)arison shows that the majority of the proposals mirrored the current dental benefits (excluding coverage for TMJ). MetLife was the lowest bidder proposing a 3.8% increase over the current premiums, Humana was second with a 14.4% Increase and CIGNA was the third Iowest bidder proposing a 15.9% increase. CIGNA CIGNA MetLife Humana Deductible Individual $50 $50 S50 $50 Family $l00 $100 $100 sl0o Annual Maximum Benefit $1,000 $1,000 $1,000 $1,000 100% 100% 1000/0 100% Preventive Services trleduciibh asegm(ll !deductible araivedl &deductible waiv&* (deductible araived) Basic Services 80% 80%a 80% 80'/° Maiar Services 50% 50% 500/0 50% RATES Employee (712) $19.04 $22.05 $19.84 $20.89 Dependent (176) $29.71 $34.50 530.54 $37.61 Monthly Premium $18,785.44 521,771.60 $19,501.12 $21,493.04 Annual Premium $225,425.28 S261,2+9.20 $234,013,44 $257,916.48 $ Increase $35,833.92 $8,588.16 $32,491.20 %4 Increase 15.9%n 3,8%0 14.4% Since each ofthe plans provide the same benefits, the Insurance Committee made and passed the motion to renew the dental coverage with CIGNA. CIGNA`s dental program is approximately $27,000 hither in cost, however, the cost to re -enroll all of the employees who currently participate in CIGNA Indemnity dental program would exceed the renewal increase.