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<br />i <br />• • <br />EXHIBIT B <br />Recommended Medical Plan Changes <br />Coverage Current Plan Proposed Plan Reduction <br />o~CTa ms <br />Benefits Levels: <br />Deductible $100 *($200 family) $200 *($400 family) 7.5% <br />Coinsurance Limit $2,000 $3,000 <br />Individual Out-of- <br />Pocket Limit $500 $800 <br />3.0% <br />Cost Containment <br />Features• <br />Outpatient Pre- <br />Admission Testing 80% after deductible 100%, no deductible <br />Outpatient Surgery 80% after deductible 100%, no deductible <br />Mandatory focused 100% after deduct. 100% no deduct. <br />Second Surgical 50% coverage of all <br />Opinion** related expenses when <br />no second opinion is <br />rendered <br />24-hour Birthing <br />Alternative <br />Hospice Care <br />80% after deduct. <br />Not covered <br />100% no deduct. <br />100% first 60 days, <br />80% thereafter <br />Employee Hospital <br />Review Incentive <br />No incentive <br />Employee receives 50% <br />of corrected errors up <br />to $250 per confinement <br />1.2% <br />1.2% <br />2.5% <br />.24% <br />Unknown <br />.24% <br />15.9% <br />*Currently stated as two deductibles per family, if family deductible is <br />$400, then savings are reduced to 6.5%. <br />**This focus will be placed on a stated list of procedures which, in some <br />cases, are performed without medical justification (see Exhibit E). <br />.~1'T1F5 BE~lEf~S <br />