Preview

Labor Negotiations

Satisfactory Essays
Open Document
Open Document
393 Words
Grammar
Grammar
Plagiarism
Plagiarism
Writing
Writing
Score
Score
Labor Negotiations
ARTICLE 33 – Health Insurance
Section 1. Benefits Under Insurance Plan
In addition to health care plans available to all Metro Government employees (hereafter “non-FOP plans”), which are also available to members, Metro Government shall offer Members the option to enroll in of two hospital and medical coverage health insurance plans only available to Members (hereafter “FOP-only plans”). The benefit of FOP-only plans shall be the same as those contained in the FOP-only plans offered in the calendar year of 2011 except the FOP-only plans effective 2013 shall require the following: a. The co pay on a visit to an emergency room previously set at fifty ($50) shall be increased to seventy-five ($75) dollars; b. All Preventative care visits and procedure will be covered in full by insurance;

Section 2. Members Contributions
Beginning from the effective date of this agreement through the calendar year ?, with the addition of vision and dental benefits, Members shall pay the following monthly premiums:
Type of coverage FOP-only Plans Non-FOP Plans
Employee only $40 $40
Employee + child/children $60 $40
Employee + Spouse $60 $40
Family $100 $50
Section 3. Vision and Dental Plans A. Beginning the effective date of this agreement through the calendar year Metro Government will now offer all Members their choice of two Vision and Dental Benefits options, with the applied monthly premiums for Members:
Type of coverage Option 1 Option 2 . Employee only $20 $15

You May Also Find These Documents Helpful

  • Good Essays

    Cabela's Benefit Report

    • 533 Words
    • 3 Pages

    Medical is offered through Blue Cross/Blue Shield to employees who are on a full time status through a PPO network and if enrolled are also automatically enrolled in the prescription drug and Delta Dental…

    • 533 Words
    • 3 Pages
    Good Essays
  • Good Essays

    The Health Maintenance Organization (HMO) Program will coordinate with a specified group of doctors and hospitals to provide care. Employees are limited to only the specified groups or hospitals the HMO provides. The HMO plan offers no deductible, and copayment fees from $0 to $20 for visits depending on services performed. Employee also will be offered the option to seek their own healthcare providers outside the HMO program for an additional cost. A Preferred Provided Organization Program is also available to employees who want to visit their own doctor and hospital providers. There will a yearly family deductible of $500 and $250 for individual before any medical expenses are covered. The plans will pay 80% on care provided or performed within the preferred provider list. The plan will pay only $70 on care rendered outside the preferred provider…

    • 667 Words
    • 3 Pages
    Good Essays
  • Good Essays

    The HMO plan has the strictest guidelines and the least amount of providers and is licensed by the state. Patients must see the doctors in their network in order for coverage, except in the case of an emergency. Providing the basics needs for service with an annual premium and copayment at the time of the visit, is the original design for the HMO plan. There are services the HMO plan covers like preventive and wellness checks as well as disease management. However, in order for complete coverage the enrollees must see a doctor that offers an HMO plan (Valerius,…

    • 976 Words
    • 4 Pages
    Good Essays
  • Satisfactory Essays

    There may be variations, but all insurance plans are one of two essential types; Indemnity or Managed Care (Valerius, Bayes, Newby, & Seggern, 2008). There are five health plans highlighted in this chapter; Indemnity Plans, Health Maintenance Plans (HMO’s), Point of Service Plans (POS), Preferred Provider Organization (PPO), and Consumer Driven Health Plans (CDHP) (Valerius, Bayes, Newby, & Seggern, 2008). A short description and comparison is as follows:…

    • 434 Words
    • 2 Pages
    Satisfactory Essays
  • Better Essays

    Bayes (2008) stated that “HMOs are all licensed by the state”. Plan is strict on guidelines, has few choices of providers. The participating providers are salaried based. Coverage for consumers are given an “assigned Primary Care Physician (PCP)”, must use network providers to be covered, unless emergencies. Blue Cross Blue Shield of Michigan, (2011) states their “plan includes monthly rates, copayments, deductible, annual maximums, prescriptions, dental, and must be in network PCP” (Para. 4). Bayes (2008) stated that HMO programs included in plan are “complete preventative or screening, wellness and health promotion, disease management, and chronic care” (p. 293).…

    • 854 Words
    • 4 Pages
    Better Essays
  • Good Essays

    This simulation looks at providing health care insurance coverage from the standpoint of a health maintenance organization (HMO). As HMO executives, your obligation is to provide health care for the members you insure. You must do this with a high degree of quality at a price that covers services rendered. To do this, you must offer only those services you may provide at the cost the customer can pay.…

    • 627 Words
    • 5 Pages
    Good Essays
  • Satisfactory Essays

    Employer-sponsored health plans buy medical insurance from insurance companies to give to their employees as benefits. The human resource department negotiates with insurance companies and selects a group health plan (GHP) to give to their employees as a basic plan. The employees can then purchase riders, or options such as dental or vision insurance, to add to their basic plan. Employers can also use a different network of providers for certain types of medical care for their employees. During open enrollment periods, which is a specified period usually offered once per year, employees can customize their insurance coverage to their families' insurance needs.…

    • 307 Words
    • 2 Pages
    Satisfactory Essays
  • Good Essays

    This health insurance provision sets limits on the amount of repayment for certain services D. internal limits…

    • 799 Words
    • 4 Pages
    Good Essays
  • Better Essays

    Health care system has evolved tremendously in the last few years, with many changes with the health care laws including but not limited to Universal Health Care, many individuals have choices when it comes to their coverage. According to healthcare.gov, in January of 2015, an employer with 50 or more full time employees will have to make an Employer Shared Responsibility Payment if a full time employee gets a lower health coverage premium cost if insurance is purchase in a marketplace. However, employers are not subject to this law if the numbers of employees are lesser than 50 but are still expected to offer coverage for their employees. (healthcare.gov) Employers must make sure that when choosing coverage for their employees, these should be within their needs; within health care requirements as well as inexpensive keeping in mind that lower cost may not necessarily mean better. With many varieties in health care plans such as Preferred Provider (PPO), Point of Service (POS), and Exclusive Provider Organization (EPO); the Health Maintenance Organization (HMO) is the most preferred and utilized group health insurance plan. As a HMO representative of Castor Insurance, health care coverage will be built, including the potential utilization of the services by different enrollees.…

    • 1120 Words
    • 5 Pages
    Better Essays
  • Better Essays

    1973-HMO Act -established conditions for the operation of federally qualified HMOs and provided loans and loan guarantees for HMO startup costs. Federally qualified HMOs were required to provide “basic” and “supplemental” health services to their enrollees, including inpatient, outpatient, home health, laboratory, preventive, and emergency care.8 The Act required federally qualified HMOs to meet solvency standards, provide procedures for handling member grievances, and establish programs for quality assurance.9 In addition, the HMO Act required employers that offered health benefits to their employees through a federally qualified HMO to not financially discriminate against employees that choose the HMO option (i.e., the employer’s contribution toward the cost of coverage had to be reasonable and designed…

    • 1219 Words
    • 35 Pages
    Better Essays
  • Good Essays

    My Paper

    • 320 Words
    • 2 Pages

    Question: A copayment is generally paid A. once a year B. each time the insured receives health care services C. in form of a deduction from payroll checks D. by the employer to purchase health insurance on behalf of each covered employee…

    • 320 Words
    • 2 Pages
    Good Essays
  • Best Essays

    Healthcare reform on the state level in Massachusetts was developed to provide affordable health insurance to all adult residents that could not afford coverage and to ensure that all adult residents were covered by a health insurance plan. They created the Commonwealth Connector, a program that connects residents with insurance plans that are affordable. If the resident is employed and the employer has more than 11 employees, the company is responsible for insuring their employees and offering a reasonably priced health plan that meets the [4]Minimum Credible Coverage (MCC). The MCC is a specific list of provisions and benefits that must be included in the employer offered health plans. If an employee is offered affordable coverage they must enroll to avoid paying tax penalties which include; losing your personal tax exemption, a penalty of $219 per each uninsured adult and also be subject to pay a penalty for each month they were not insured (half of the cost of the lowest affordable healthcare plan available). The proof of coverage is enforced by the residents state tax filing, each year every insured adult will receive a certificate of coverage from…

    • 2093 Words
    • 9 Pages
    Best Essays
  • Good Essays

    Premium Development Case

    • 1086 Words
    • 5 Pages

    New England Health Maintenance Organization (HMO) is a regional not for profit managed care company that has its headquarters in Boston, MA, with over 500,000 enrollees within 25 different plans including Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. A consortium of employers has shown interest in bidding on a managed care contract to be offered to the consortium’s 75,000 employees whom are locate in and around Nashua, New Hampshire. The consortium of employers includes companies such as IBM, Ford, and Prudential Insurance.…

    • 1086 Words
    • 5 Pages
    Good Essays
  • Powerful Essays

    Healthcare Insurance Issues

    • 2493 Words
    • 10 Pages

    Healthcare today is a big issue for a lot of individuals, and families. Because it’s not affordable and some plans are lacking the necessary coverage people need these days. There are many ways to make healthcare more affordable, adequate, efficient, and patient-centered. That being said there are also various healthcare plans that are suited for many different people such as HMO’s, PPO’s, POS’s, Medicaid, and Medicare. This is why government should develop a reform plan that focus on all of the above issues and much more.…

    • 2493 Words
    • 10 Pages
    Powerful Essays
  • Good Essays

    To provide the needed premium contribution of an enrolled women who are about to give birth and of those critical poor patients identified in our provincial/ city hospitals through the Point of Care enrollment;…

    • 1070 Words
    • 5 Pages
    Good Essays

Related Topics