Medical Comparison
Single Coverage
| MMCP vs. Nonagreement HDHP plans (as of 1/1/2023) Note - Plan features shown are for In Network benefits | ||||
|---|---|---|---|---|
| Single Coverage: | PPO – Non-Agreement | HDHP1 – Non-Agreement | HDHP2 – Non-Agreement | MMCP – National Plan |
| Annual Premium | $1,248 | $636 | $336 | $3,711 |
| Company HSA Seed | $ – | $(900) | $(900) | $ – |
| Company Cash Incentive | $(600) | $(600) | $(600) | $ – |
| Union Dues | $ – | $ – | $ – | $1,404 |
| Subtotal | $648 | $(864) | $(1,164) | $5,115 |
| Single Deductible | $1,250 | $3,000 | $4,500 | $350 |
| Single Coinsurance Maximum | $2,750 | $2,000 | $1,500 | $2,000 |
| Medical Co Pays/Coinsurance: | ||||
| ER visit | 15% | 15% | 15% | $100 |
| Urgent Care visit | 15% | 15% | 15% | $25 |
| Convenience Clinic visit | 15% | 15% | 15% | $10 |
| Primary Office visit | 15% | 15% | 15% | $25 |
| Telemedicine visit | 15% | 15% | 15% | $10 |
| Specialist Office visit | 15% | 15% | 15% | $40 |
| Routine Physical/Preventive Care | 0% | 0% | 0% | $0 |
| Other Services | 15% | 15% | 15% | 10% |
| Hospice Care maximum plan paid/year | no limit | no limit | no limit | $3,000 |
| Rx Co Pays/Coinsurance: | ||||
| Rx Retail Generic | $10 | $10 | $10 | $10 |
| Rx Retail Brand | 30% | 30% | 30% | $30 |
| Rx Retail Nonpreferred Brand | 40% | 40% | 40% | $60 |
| Rx Retail Days/Script | 31 | 31 | 31 | 21 |
| Rx Mail Order Generic | $25 | $25 | $25 | $10 |
| Rx Mail Order Brand | 25% | 25% | 25% | $60 |
| Rx Mail Order Nonpreferred Brand | 40% | 40% | 40% | $120 |
| Rx Mail Order Days/Script | 90 | 90 | 90 | 22 - 90 |
| Services that count toward satisfying deductible | All Medical and Rx | All Medical and Rx | All Medical and Rx | Medical only, excludes office visits, ER/Urgent Care/Convenience Clinic, Rx |
| Services without an employee out of pocket limit | None | None | None | Office visits, ER/Urgent Care/Convenience Clinic, Rx, Hospice above $3,000 |
Single Coverage Scenarios
| MMCP vs. Nonagreement HDHP plans (as of 1/1/2023) Note - Plan features shown are for In Network benefits | ||||
|---|---|---|---|---|
| Single Coverage: | PPO – Non-Agreement | HDHP1 – Non-Agreement | HDHP2 – Non-Agreement | MMCP – National Plan |
| Single Best case Scenario | $648 | $(864) | $(1,164) | $5,115 |
| Single Worst case Scenario | $4,648 | $4,136 | $4,836 | $7,465 |
| Multiyear Scenario: | ||||
| Single Year 1 - assume Best Case | $648 | $(864) | $(1,164) | $5,115 |
| Single Year 2 - assume Worst Case | $4,648 | $4,136 | $4,836 | $7,465 |
| 2-year Combined Cost | $5,296 | $3,272 | $3,672 | $12,579 |
Family Coverage
| MMCP vs. Nonagreement HDHP plans (as of 1/1/2023) Note - Plan features shown are for In Network benefits | ||||
|---|---|---|---|---|
| Family Coverage: | PPO – Non-Agreement | HDHP1 – Non-Agreement | HDHP2 – Non-Agreement | MMCP – National Plan |
| Annual Premium | $5,400 | $3,180 | $1,593 | $3,711 |
| Company HSA Seed | $ – | $(2,100) | $(2,100) | $ – |
| Company Cash Incentive | $(600) | $(600) | $(600) | $ – |
| Union Dues | $ – | $ – | $ – | $1,404 |
| Subtotal | $4,080 | $480 | $(1,104) | $5,115 |
| Family Deductible | $2,500 | $6,000 | $9,000 | $700 |
| Family Coinsurance Maximum | $5,500 | $4,000 | $3,000 | $4,000 |
| Medical Co Pays/Coinsurance: | ||||
| ER visit | 15% | 15% | 15% | $100 |
| Urgent Care visit | 15% | 15% | 15% | $25 |
| Convenience Clinic visit | 15% | 15% | 15% | $10 |
| Primary Office visit | 15% | 15% | 15% | $25 |
| Telemedicine visit | 15% | 15% | 15% | $10 |
| Specialist Office visit | 15% | 15% | 15% | $40 |
| Routine Physical/Preventive Care | 0% | 0% | 0% | $0 |
| Other Services | 15% | 15% | 15% | 10% |
| Hospice Care maximum plan paid/year | no limit | no limit | no limit | $3,000 |
| Rx Co Pays/Coinsurance: | ||||
| Rx Retail Generic | $10 | $10 | $10 | $10 |
| Rx Retail Brand | 30% | 30% | 30% | $30 |
| Rx Retail Nonpreferred Brand | 40% | 40% | 40% | $60 |
| Rx Retail Days/Script | 31 | 31 | 31 | 21 |
| Rx Mail Order Generic | $25 | $25 | $25 | $10 |
| Rx Mail Order Brand | 25% | 25% | 25% | $60 |
| Rx Mail Order Nonpreferred Brand | 40% | 40% | 40% | $120 |
| Rx Mail Order Days/Script | 90 | 90 | 90 | 22 - 90 |
| Services that count toward satisfying deductible | All Medical and Rx | All Medical and Rx | All Medical and Rx | Medical only, excludes office visits, ER/Urgent Care/Convenience Clinic, Rx |
| Services without an employee out of pocket limit | None | None | None | Office visits, ER/Urgent Care/Convenience Clinic, Rx, Hospice above $3,000 |
Family Coverage Scenarios
| MMCP vs. Nonagreement HDHP plans (as of 1/1/2023) Note - Plan features shown are for In Network benefits | ||||
|---|---|---|---|---|
| Family Coverage: | PPO – Non-Agreement | HDHP1 – Non-Agreement | HDHP2 – Non Agreement | MMCP – National Plan |
| Family Best case Scenario | $4,800 | $480 | $(1,104) | $5,115 |
| Family Worst case Scenario | $12,080 | $10,480 | $10,896 | $9,815 |
| Multiyear Scenario: | ||||
| Family Year 1 - assume Best Case | $4,800 | $480 | $(1,104) | $5,115 |
| Family Year 2 – assume Worst Case | $12,800 | $10,480 | $10,896 | $9,815 |
| 2-year Combined Cost | $17,600 | $10,960 | $9,792 | $14,939 |