This table represents a comparison between our present health insurance plans and

Laidlaw's 1st proposal. The table represents a summary of the information presented.

Some items such as mental health services are not included. Please contact a union

official for more detailed information.

 

Blue Cross

Present Plan

Kaiser Current

Present Plan

Blue Cross

Laidlaw's Proposal

Kaiser

Laidlaw's Proposal

Deductible

None

None

None

None

Stop Loss

Individual

$500

$1,500

$1,500

$1,500

Family

$1,500

$3,000

$3,000

$3,000

---------------------------------------------------Physician Services ----------------------------------------

Office Visit

$0 co-pay

$5 co-pay

$20 co-pay

$20 co-pay

Routine Physical

$0 co-pay

$5 co-pay

$20 co-pay

$20 co-pay

Well Child Exam

$0 co-pay

$5 co-pay

$20 co-pay

$20 co-pay

Well Woman Exam

$0 co-pay

$5 co-pay

$20 co-pay

$20 co-pay

Diagnostic & X-ray

No charge

No charge

No charge

No charge

Mammogram

No charge

No charge

No charge

No charge

----------------------------------------------------Hospital Services------------------------------------------

In-patient Services

No charge

No charge

$250 co-pay / admit

$500 co-pay / admit

Out-patient Surgery

No charge

$5 co-pay

No charge

No charge

Emergency Room

$25 co-pay

$5 co-pay

$100 co-pay

$100 co-pay

Waived if admitted

Yes

Yes

Yes

Yes

----------------------------------------------------------Prescription Drugs-----------------------------------

Brand Name

$5 co-pay

$5 co-pay

$25 co-pay

$15 co-pay

Generic

$2 co-pay

$5 co-pay

$10 co-pay

$10 co-pay

Non-formulary

N/A

N/A

$50 co-pay

N/A