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OVERVIEW <br />For the 2020 plan year, our total medical and prescription plan costs were 80% of <br />what we budgeted. <br />Per capita medical claims decreased 4% <br />Per capita pharmacy claims decreased 8.1% <br />These decreases are largely driven by the impacts of COVID. <br />Increase in telemedicine <br />Some non-critical activity postponed <br /> <br />