Common use of Health, Optical and Dental Insurance Coverage Clause in Contracts

Health, Optical and Dental Insurance Coverage. Subject to the provisions contained in this Article, Exhibits B and C, and the applicable insurance and agency contracts, the City shall pay premiums for providing the following insurance coverage options for police officers, Dispatchers, Paraprofessionals and their dependents. Comprehensive Health Care Plan Exhibit I Optical Plan Exhibit B Dental Plan Exhibit C Prescription Drug Program Exhibit I Calendar Year Deductible Effective January 1, 2021, a calendar year deductible of $600 per person/$1,200 per family maximum shall apply for services covered under the health care plan prior to any benefits being paid by the plan. This deductible shall not apply to prescription drug benefits or charges for services defined as wellness benefits as shown in Exhibit I. It is understood that wellness benefits exempt from the deductible include routine diagnostic tests and procedures attendant to the listed physical examinations. Co-Insurance – After payment of the deductible, effective January 1, 2021 the following co-insurance shall be applicable: Network Non-Network 80% Plan/20% Employee for the next $2,000 per person/$4,000 family in covered benefits 60% Plan/40% Employee for the next $2,000 per person/ $4,000 family in covered benefits Out of Pocket Maximums on Deductible and Co-Insurance – Network – Maximums Non-Network - Maximums $1,100 per person $2,200 per family $1,500 per person $3,000 per family -- During the month of December of each year each employee shall submit, on a form provided by the City, information which can be utilized for coordination of benefits between the City’s plan and other plans providing coverage for the employee or his/her dependents. In the event that an employee’s spouse has coverage through his/her employer, the City’s plan shall be the secondary plan for the spouse. In the event that the employee’s dependents are covered under a spouse’s plan, the co-ordination of benefits provisions customarily utilized by insurance carriers shall apply. -- Effective July 1, 2016, the City and the Union agree that the current definition of “dependent” shall be in accordance with applicable law.

Health, Optical and Dental Insurance Coverage. Subject to the provisions contained in this Article, Exhibits B and C, and the applicable insurance and agency contracts, the City shall pay premiums for providing the following insurance coverage options for police officers, Dispatchers, Paraprofessionals Commanders and Lieutenants and their dependents. : Comprehensive Health Care Plan Exhibit I Schedule H Optical Plan Exhibit B Dental Plan Exhibit C Prescription Drug Program Exhibit I Schedule H Calendar Year Deductible Effective January 1, 20212014, a calendar year deductible of $600 500 per person/$1,200 person/$1,000 per family maximum shall apply for services covered under the health care plan prior to any benefits being paid by the plan. This deductible shall not apply to prescription drug benefits or charges for services defined as wellness benefits as shown in Exhibit I. Schedule H. It is understood that wellness benefits exempt from the deductible include routine diagnostic tests and procedures attendant to the listed physical examinations. Effective April 1, 2020, the calendar year deductible of $600 per person/$1,200 per family maximum shall apply. Co-Insurance – After payment of the deductible, effective January 1, 2021 2014 the following co-insurance shall be applicable: Network Non-Network 80% Plan/20% Employee for the next $2,000 per person/$4,000 family in covered benefits benefits. 60% Plan/40% Employee for the next $2,000 per person/ $4,000 person/$4,000 family in covered benefits benefits. Out of Pocket Maximums on Deductible and Co-Insurance – Network – - Maximums Non-Network - Maximums $1,100 1,000 per person ($1,100 eff. 4-1-2020) $2,000 per family ($2,200 per family eff. 4-1-2020) $1,500 per person $3,000 per family -- • During the month of December of each year each employee shall submit, on a form provided by the City, information which can be utilized for coordination of benefits between the City’s 's plan and other plans providing coverage for the employee or his/her dependents. In the event that an employee’s 's spouse has coverage through his/her employer, the City’s 's plan shall be the secondary plan for the spouseplan. In the event that the employee’s 's dependents are covered under a spouse’s 's plan, the co-ordination of benefits provisions provision customarily utilized by insurance carriers shall apply. -- • Effective January 1, 1994, the City and the Union agree that the current definition of dependent shall apply without regard to any previous practice. The current definition of dependents is: "Wife or husband and unmarried children until the end of the year in which they reach 19--or they remain covered to any age if they are "totally and permanently" disabled by either a physical or mental condition prior to age 19. Children may be by birth, legal adoption or legal guardianship (while they are in your custody and dependent on you), and your spouse's children while they are residing as members of your household. Effective July 1, 2016, the City and the Union agree that the current definition of “dependent” shall be in accordance with applicable law. In addition, an employee will annually be offered the option to elect a cash payment equivalent to 33-1/3% of the City's premium cost for providing health insurance (excluding dental and optical) under Option I provided: (1) the employee furnishes the City with proof of other health care coverage; (2) the employee's election is irrevocable for one (1) year except (subject to the health insurance carrier's approval), the employee may re-enroll in the health care plan in the event of marriage, divorce, death of an employee's spouse or dependent, birth or adoption of a child, commencement or termination of the employee's spouse's employment switching from part-time to full-time status by the employee or his/her spouse, an unpaid leave of absence by the employee or employee's spouse, or if there is a significant change in coverage of the employee's spouse which affects the employee and/or employee's spouse; (3) any other conditions required by applicable law. Effective January 1, 2012 (for payments in December 2012) the cash payment equivalent shall be changed from 33-1/3% to $1,750 per year (2 person)/ $3,250 per year (family) for waiving coverage effective for payments made in 2012. Payment under this option shall be made in January of the year following the calendar year for which the employee elected the option. A new employee covered by this Agreement shall make his election upon completion of ninety (90) days of continuous service. Payment under this option shall be made in January of the year following the calendar year for which the employee elected the option. A new employee covered by this Agreement shall make his election upon completion of ninety (90) days of continuous service. Except for the dental insurance and optical insurance, the City shall commence paying the premiums for the above health insurance coverage commencing with the City's billing date for such coverage immediately following the completion of ninety (90) days of continuous service for employees covered by this Agreement. Dental insurance and optical insurance shall become effective for an employee commencing with the City's billing date for such insurance immediately following the completion of thirty (30) days of continuous services.

Health, Optical and Dental Insurance Coverage. Subject to the provisions contained in this Article, Exhibits B and C, and the applicable insurance and agency contracts, the City shall pay premiums for providing the following insurance coverage options for police officers, Dispatchers, Paraprofessionals Commanders and Lieutenants and their dependents. : Comprehensive Health Care Plan Exhibit I Schedule H Optical Plan Exhibit B Dental Plan Exhibit C Prescription Drug Program Exhibit I Schedule H Calendar Year Deductible Effective January 1, 20212014, a calendar year deductible of $600 500 per person/$1,200 person/$1,000 per family maximum shall apply for services covered under the health care plan prior to any benefits being paid by the plan. This deductible shall not apply to prescription drug benefits or charges for services defined as wellness benefits as shown in Exhibit I. Schedule H. It is understood that wellness benefits exempt from the deductible include routine diagnostic tests and procedures attendant to the listed physical examinations. Effective April 1, 2020, the calendar year deductible of $600 per person/$1,200 per family maximum shall apply. Co-Insurance – After payment of the deductible, effective January 1, 2021 2014 the following co-insurance shall be applicable: Network Non-Network 80% Plan/20% Employee for the next $2,000 per person/$4,000 family in covered benefits benefits. 60% Plan/40% Employee for the next $2,000 per person/ $4,000 person/$4,000 family in covered benefits benefits. Out of Pocket Maximums on Deductible and Co-Insurance – Network – - Maximums Non-Network - Maximums $1,100 1,000 per person ($1,100 eff. 4-1-2020) $2,000 per family ($2,200 per family eff. 4-1-2020) $1,500 per person $3,000 per family --  During the month of December of each year each employee shall submit, on a form provided by the City, information which can be utilized for coordination of benefits between the City’s 's plan and other plans providing coverage for the employee or his/her dependents. In the event that an employee’s 's spouse has coverage through his/her employer, the City’s 's plan shall be the secondary plan for the spouseplan. In the event that the employee’s 's dependents are covered under a spouse’s 's plan, the co-ordination of benefits provisions provision customarily utilized by insurance carriers shall apply. --  Effective January 1, 1994, the City and the Union agree that the current definition of dependent shall apply without regard to any previous practice. The current definition of dependents is: "Wife or husband and unmarried children until the end of the year in which they reach 19--or they remain covered to any age if they are "totally and permanently" disabled by either a physical or mental condition prior to age 19. Children may be by birth, legal adoption or legal guardianship (while they are in your custody and dependent on you), and your spouse's children while they are residing as members of your household. Effective July 1, 2016, the City and the Union agree that the current definition of “dependent” shall be in accordance with applicable law. In addition, an employee will annually be offered the option to elect a cash payment equivalent to 33-1/3% of the City's premium cost for providing health insurance (excluding dental and optical) under Option I provided: (1) the employee furnishes the City with proof of other health care coverage; (2) the employee's election is irrevocable for one (1) year except (subject to the health insurance carrier's approval), the employee may re-enroll in the health care plan in the event of marriage, divorce, death of an employee's spouse or dependent, birth or adoption of a child, commencement or termination of the employee's spouse's employment switching from part-time to full-time status by the employee or his/her spouse, an unpaid leave of absence by the employee or employee's spouse, or if there is a significant change in coverage of the employee's spouse which affects the employee and/or employee's spouse; (3) any other conditions required by applicable law. Effective January 1, 2012 (for payments in December 2012) the cash payment equivalent shall be changed from 33-1/3% to $1,750 per year (2 person)/ $3,250 per year (family) for waiving coverage effective for payments made in 2012. Payment under this option shall be made in January of the year following the calendar year for which the employee elected the option. A new employee covered by this Agreement shall make his election upon completion of ninety (90) days of continuous service. Payment under this option shall be made in January of the year following the calendar year for which the employee elected the option. A new employee covered by this Agreement shall make his election upon completion of ninety (90) days of continuous service. Except for the dental insurance and optical insurance, the City shall commence paying the premiums for the above health insurance coverage commencing with the City's billing date for such coverage immediately following the completion of ninety (90) days of continuous service for employees covered by this Agreement. Dental insurance and optical insurance shall become effective for an employee commencing with the City's billing date for such insurance immediately following the completion of thirty (30) days of continuous services.

Health, Optical and Dental Insurance Coverage. Subject to the provisions contained in this Article, Exhibits B and C, and the applicable insurance and agency contracts, the City shall pay premiums for providing the following insurance coverage options for police officers, Dispatchers, Paraprofessionals and their dependents. Comprehensive Health Care Plan Exhibit I Optical Plan Exhibit B Dental Plan Exhibit C Prescription Drug Program Exhibit I Calendar Year Deductible Effective January 1, 2021, a calendar year deductible of $600 per person/$1,200 per family maximum shall apply for services covered under the health care plan prior to any benefits being paid by the plan. This deductible shall not apply to prescription drug benefits or charges for services defined as wellness benefits as shown in Exhibit I. It is understood that wellness benefits exempt from the deductible include routine diagnostic tests and procedures attendant to the listed physical examinations. Co-Insurance – After payment of the deductible, effective January 1, 2021 the following co-insurance shall be applicable: Network Non-Network 80% Plan/20% Employee for the next $2,000 per person/$4,000 family in covered benefits 60% Plan/40% Employee for the next $2,000 per person/ $4,000 family in covered benefits Out of Pocket Maximums on Deductible and Co-Insurance – Network – Maximums Non-Network - Maximums $1,100 per person $1,500 per person $2,200 per family $1,500 per person $3,000 per family -- During the month of December of each year each employee shall submit, on a form provided by the City, information which can be utilized for coordination of benefits between the City’s plan and other plans providing coverage for the employee or his/her dependents. In the event that an employee’s spouse has coverage through his/her employer, the City’s plan shall be the secondary plan for the spouse. In the event that the employee’s dependents are covered under a spouse’s plan, the co-ordination of benefits provisions customarily utilized by insurance carriers shall apply. -- Effective July 1, 2016, the City and the Union agree that the current definition of “dependent” shall be in accordance with applicable law.