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I 2017 Health and Welfare Benefits Survey

TABLE OF CONTENTS

Introduction ................................................................................................. II-VI

Health Benefit Information Employee Size Breakdown

PPO Plans .......................................................................................... 1

POS Plans ......................................................................................... 4

HMO Plans ......................................................................................... 7

HDHP Plans ...................................................................................... 10

HRA Plans ........................................................................................ 13

Health Benefit Information Industry Breakdown

PPO Plans ......................................................................................... 16

POS Plans ........................................................................................ 19

HMO Plans ........................................................................................ 22

HDHP Plans ...................................................................................... 25

HRA Plans ........................................................................................ 28

Supplemental Health Care Questions .................................................................. 31

©2017 Employers Resource Association II Health and Welfare Benefits Survey

Introduction

The 2017 Health and Welfare Benefits Survey was conducted during April and May of 2017. It

contains data from 253 member companies, who provided data on over 300 health plans. Data has

been sorted according to company size and industry.

We would like to thank all of the member organizations and their representatives that gave

their time and information in making this a successful Health and Welfare Benefits Report.

Participating Organizations

A2Z Field Services

Aberdeen Express

Able Tool Corporation

AIP Logistics, Inc.

Air Force One

AirWay Technologies

Alternate Solutions Health Network

ART Metals Group

ASAP Event Advertising

Auto-Valve, Inc.

Bailey & Company Benefits Group

Banner Metals Group

Bartlett & Co.

Basco Manufacturing

BBB

Beech Acres Parenting Center

Beiersdorf Inc.

Belcan, LLC

Bethany House Services

Big Chief Inc.

Bischoff

Blue Grass Metals

Bob Sumerel Tire Co.

Boone County Public Library

Brewer

Bryan Equipment Sales, Inc.

Buckeye Power Sales

BWF America, Inc.

Byer Steel

Caliber Americas

Campbell County, KY

Capital Resin Corporation

Cardington Yutaka Technologies

Care Center

Car-Part.com

Caster Connection, Inc.

Catholic Charities Southwestern Ohio

CB Mfg/American Cutting Edge

CBT Company

Children, Inc.

Cincinnati Fan

Cincinnati Gearing Systems

Cincinnati Nature Center

Cindus Corporation

Cinfed Credit Union

Citizens Bank of Logan

Clark Schaefer Hackett

Clarke Power Services, Inc.

Cleaning Technologies Group, LLC

Clermont Senior Services

CM Paula Company

Consolidated Metal Products, Inc.

Contractors Materials Co.

COSI

Cott Systems

CSafe Global

Dave Fox Remodeling, Inc.

Dayton Superior Corporation

Delta Private Jets

Devco Holdings Inc.

Dinsmore & Shohl LLP

Dorcy international Inc.

Dynamix Engineering

Eagle Specialty Vehicles

Easterseals

Eastway Supplies, Inc.

Eco Engineering Inc.

Empire Packing

EMS

Engineering Evaluation & Design, Inc.

Epcon Communities

Evenflo Company Inc.

Exhibit Concepts, Inc.

F&M MAFCO, Inc.

Fath Properties

Ferco Aerospace

Finn Corporation

Floturn, Inc.

Force Control Industries

Forward Technologies, Inc.

FT Precision Inc.

FTJ FundChoice

©2017 Employers Resource Association III Health and Welfare Benefits Survey

Fujitec America, Inc.

Full Range Rehab, LLC

Fusite

Gardens Alive

General Tool Company

Germane Solutions

Girl Scouts of Western Ohio

Global Gauge Corp

GMi Companies

Gold Star Chili Inc.

GOSH Enterprises

Graphic Information Systems, Inc.

Green Group Enterprises, LLC

Grote Enterprises

Hahn Automation

Hamilton Casework Solutions

Hamilton Caster & Mfg. Co.

HCDC Inc.

Heartland Bank

Hightowers Petroleum Co.

Hilltop Basic Resources

Hirschvogel Inc.

Hi-Tek Manufacturing, Inc.

Holly Hill Children's Services

Hydrotech, Inc.

ILSCO Corporation

INEOS ABS

Integrated Protection Services, Inc.

Invotec Engineering, Inc.

Iofina Chemical

ITE, LLC

Jefferson Township

Jeg's Automotive, Inc.

Johnson Investment Counsel

JVS Career Services

Kadant Black Clawson

Kaleidoscope

Keating Muething & Klekamp PLL

Keir Educational Resources

Kemba Credit Union

Kenton County Airport Board

Kentucky Speedway

Key Resin Co

Kimball Midwest

Kolar Design

Korrect Plumbing Heating & Air

KOST USA

Kozel

Krauss Maffei

KUTOL PRODUCTS COMPANY, INC.

L3 Cincinnati Electronics

Lake Shore Cryotronics, Inc.

Landrum & Brown, Inco

Legacy Maintenance Services, LLC

LEM Products Distribution LLC

Linton

LNS America, Inc.

LPK

Mach III Clutch, Inc.

Magellan Aerospace, Middletown, Inc.

Marsh Building Products

McSwain Manufacturing

Mesa Industries

Metal-Matic

Metalworking Group

MGF Sourcing

Mid-States Packaging, Inc.

Midwest Electric, Inc.

Mikesell's Snack Food Company

Myers & Frayne

Nexceris

NexGen Consultants

Neyra Industries

Nisbet Brower

Nitto Denko Avecia

Nolte Precise Manufacturing

Northern Kentucky Water District

Nsixty Digital

ODW Logistics

Office of the Chapter 13 Trustee Faye

D English

Ohio History Connection

Ohio River Valley Water Sanitation

Commission

Ohio Semitronics, Inc.

Ohio Transmission Corporation

Ohio Valley Electrical Services

OMEGA Processing Solutions

Omni Technologies, Inc.

OSIS

Path Forward

Pension Corporation of America

Phillips Edison & Company

PIVOTEK

PL Marketing

Plaskolite

PNG Telecommunications, Inc.

Post Glover Resistors

Pri-Pak, Inc.

ProKids

RACO Industries

Raymond Storage Concepts

Reading Rock, Inc.

Reliance Medical

Richards Industries

Rippe & Kingston

©2017 Employers Resource Association IV Health and Welfare Benefits Survey

Sanitation District 1

Sarnova

Saturday Knight Ltd

Schaefer

School Employees Retirement System

of Ohio

Schueler Group

Security National Automotive

Acceptance

SERS

Shaklee Corporation

Sidney Manufacturing Co

Signature Hardware

Sims-Lohman

Skidmore Sales and Distributing

Smyth Automotive

SST Conveyor Components

St. Joseph Home

Stelter & Brinck

Sugar Creek Packing Co

Sur-Seal Corporation

Sutphen Towers, Inc.

Systecon Inc.

Tape Products Company

Tech International

TechSolve

Thaman Rubber Co

The Adventurous Child

The American Society for

Nondestructive Testing Inc.

The Armor Group

The Buckeye Stamping Co. dba

Buckeye Shapeform

The Carlisle & Finch Co.

The David J. Joseph Company

The Dupps Company

The Dynamic Catholic Institute

The G.A. Avril Co.

The Gorilla Glue Company

The Motz Corporation

The Point

The Shepherd Color Company

The Vora Group

The Western States Machine

Company

The Wornick Company

Towne Properties

Toyota Boshoku America

TP Mechanical Contractors

TradeGlobal

Triad Technologies

TSC Apparel

United Way of Greater Cincinnati

Upside Innovations LLC

Uptown Rental Properties

Usui International

Valley Interior Systems

Valued Relationships, Inc.

Varland Metal Service, Inc.

VEGA Americas

Venco Venturo Industries LLC

VSG

W.P. Dolle, LLC

Wallick Properties

Waxman Consumer Products Group

Inc.

Woodhull, LLC

Workhorse Group Inc.

Xtek Inc.

YAC Robot Systems, Inc.

Yaskawa America Motoman Robotics

Div

YMCA of Greater Cincinnati

YSK Corporation

©2017 Employers Resource Association V Health and Welfare Benefits Survey

Types of Health Plans Offered PPO and high-deductible health insurance plans continue to account for over 80% of all health plans

offered by employers. With the decreasing popularity of PPO plans, high-deductible plans has

become the most popular choice for health insurance plans.

Healthcare Cost Increases As in 2016, more than 1 in 3 companies (38%) reported an increase in last year premiums of less

than 3%. A similar portion of the participating organizations reported having no increase in

premiums compared to last year (20% vs 21%) but more organizations also reported having an

increase of greater than 12% (10% vs 16%).

1%

49%

2% 1%

42%

5%2%

43%

5%1%

44%

5%2%

38%

7%

1%

46%

4%1%

45%

4%0%

47%

4%

0%

10%

20%

30%

40%

50%

60%

HMO PPO POS Indemity HDHP HRA

2014 2015 20162 2017

22%

16%

20%22%

19% 18%

4%

20%

15%14%

17%

10%

5%

12%

27%

11%

16%18%

8%10% 9%

21%

17% 16%

13%

10%

16%

6%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

40.0%

45.0%

50.0%

No Increase 1-3% Increase 4-6% Increase 7-9% Increase 10-12% Increase Greater Than 12%Increase

N/A/Decrease

2014 2015 2016 2017

©2017 Employers Resource Association VI Health and Welfare Benefits Survey

Additional Data Available

Employers Resource Association members can obtain, at a nominal cost, a report from this survey

tailored exclusively for their use.

You can select those participating organizations sharing similar characteristics (e.g. industry,

location, size, or union status) or from labor market competitors.

A minimum of ten organizations is necessary to protect confidentiality.

For more information about this valuable service or other surveys and services provided to

Association members, please contact the Survey Department at (513) 679-4120 or email

[email protected].

mailto:[email protected]

Section 1

Health Benefit Information

Employee Size Breakdown

Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses

EE $528 159 $489 25 $502 40 $559 65 $558 19 $466 10

EE+ Spouse $1,113 157 $1,027 24 $1,047 38 $1,189 66 $1,170 19 $970 10

EE+ Child(ren) $1,016 143 $875 23 $895 36 $1,099 60 $1,158 15 $1,082 9

Family $1,577 158 $1,497 24 $1,492 39 $1,675 66 $1,560 19 $1,481 10


EE $142 128 $115 17 $141 35 $145 54 $175 15 $117 7

EE+ Spouse $357 132 $380 18 $328 35 $367 57 $359 15 $343 7

EE+ Child(ren) $316 110 $338 16 $272 33 $338 50 $322 7 $314 4

Family $508 131 $597 17 $468 35 $514 57 $488 15 $487 7


EE 30% 55 35% 11 27% 11 28% 26 32% 6 * 1

EE+ Spouse 34% 55 40% 12 27% 10 34% 26 30% 6 * 1

EE+ Child(ren) 34% 51 40% 12 27% 10 34% 24 32% 5 * 0

Family 33% 55 40% 12 28% 10 33% 26 30% 6 * 1

Employee Monthly Cost - Flat Amount

Total 1-50 Employees 51-100 Employees 101-499 Employees 500-999 Employees 1000+ Employees

Employee Monthly Cost - Percentage


2017 Mini Health & Welfare Benefits SurveyPPO Plans

Average Monthly Premiums


1


Office Visit

In-Network $28 146 $30 24 $29 38 $26 63 $28 16 $30 5

Out-of-Network 45% 123 42% 16 47% 31 43% 53 54% 13 49% 10

Specialist

In-Network $48 144 $55 23 $48 37 $45 62 $46 17 $52 5

Out-of-Network 46% 123 45% 16 47% 31 43% 53 54% 13 49% 10

Urgent Care

In-Network $73 145 $83 23 $80 38 $69 64 $59 16 $58 4

Out-of-Network 46% 110 44% 15 47% 30 45% 46 54% 9 50% 10

Outpatient Hospital

In-Network 21% 115 22% 14 23% 24 20% 52 20% 16 19% 9

Out-of-Network 46% 119 44% 14 46% 30 44% 52 54% 13 49% 10

Inpatient Hospital

In-Network 21% 115 22% 16 22% 22 20% 52 20% 16 19% 9

Out-of-Network 46% 124 45% 16 46% 31 44% 54 54% 13 49% 10

Emergency Room

In-Network $230 136 $246 21 $274 34 $216 60 $199 16 $145 5

Out-of-Network $232 95 $257 14 $276 21 $218 45 $208 10 $145 5


EE

In-Network $1,817 162 $2,796 27 $1,918 43 $1,436 66 $1,789 18 $1,181 8

Out-of-Network $4,408 145 $6,800 25 $4,631 38 $3,583 60 $4,243 14 $2,348 8

EE+Spouse

In-Network $3,727 143 $5,361 27 $3,934 38 $2,920 53 $3,709 17 $2,613 8

Out-of-Network $8,879 126 $13,180 25 $8,800 32 $7,422 49 $8,538 13 $4,714 7

EE+Child(ren)

In-Network $3,911 133 $5,308 26 $4,061 36 $3,257 47 $3,873 16 $2,613 8

Out-of-Network $9,472 118 $13,167 24 $8,958 31 $8,835 43 $8,546 13 $4,714 7

Family

In-Network $3,769 161 $5,722 27 $3,909 42 $3,015 66 $3,788 18 $2,613 8

Out-of-Network $9,244 143 $13,840 25 $9,202 37 $7,972 60 $8,864 14 $4,714 7


Average Co-Pay Amounts


Average Deductibles


2


Generic $10 136 $10 23 $12 31 $10 63 $10 14 $9 5

Brand $36 125 $38 23 $38 30 $34 58 $36 11 $32 3

Non-Formulary $63 116 $62 20 $68 26 $62 58 $63 9 $63 3

Mail Order (No Tier) $19 6 * 0 $18 3 $20 3 * 0 * 0

Mail Order - Tier 1 $21 123 $19 17 $22 32 $21 51 $19 16 $17 7

Mail Order - Tier 2 $76 121 $80 17 $79 32 $78 50 $66 16 $61 6

Mail Order - Tier 3 $141 120 $150 16 $151 32 $143 50 $107 16 $128 6


Generic 23% 14 * 1 * 1 20% 6 * 1 23% 5

Brand 25% 25 * 1 * 2 25% 11 20% 4 26% 7

Non-Formulary 32% 26 38% 3 25% 3 38% 9 23% 4 29% 7

Mail Order (No Tier) 25% 3 * 0 * 1 * 1 * 0 * 1

Mail Order - Tier 1 25% 10 * 0 * 0 24% 7 * 0 25% 3

Mail Order - Tier 2 34% 11 * 0 * 0 35% 7 * 0 31% 4

Mail Order - Tier 3 29% 7 * 0 * 0 18% 3 * 0 36% 4


Prescription Cost - Flat Amount


Prescription Cost - Percentage


3


EE $658 12 * 2 $971 3 $573 5 * 1 * 1

EE+ Spouse $1,238 11 * 2 * 2 $1,176 5 * 1 * 1

EE+ Child(ren) $1,154 9 * 2 * 2 $1,082 4 * 0 * 1

Family $1,882 12 * 2 $2,592 3 $1,683 5 * 1 * 1


EE $155 6 * 1 * 1 * 2 * 1 * 1

EE+ Spouse $230 6 * 2 * 0 * 2 * 1 * 1

EE+ Child(ren) $175 4 * 2 * 0 * 1 * 0 * 1

Family $492 7 * 2 * 1 * 2 * 1 * 1


EE 21% 7 * 1 * 1 21% 5 * 0 * 0

EE+ Spouse 24% 6 * 0 * 1 26% 5 * 0 * 0

EE+ Child(ren) 25% 5 * 0 * 1 27% 4 * 0 * 0

Family 24% 6 * 0 * 1 26% 5 * 0 * 0

2017 Mini Health & Welfare Benefits SurveyPOS Plans







4


Office Visit

In-Network $26 13 $29 4 $25 3 $24 4 * 1 * 1

Out-of-Network 43% 8 40% 4 * 0 40% 3 * 0 * 1

Specialist

In-Network $44 13 $55 4 $30 3 $44 4 * 1 * 1

Out-of-Network 43% 8 40% 4 * 0 40% 3 * 0 * 1

Urgent Care

In-Network $68 13 $88 4 $48 3 $65 4 * 1 * 1

Out-of-Network 43% 7 40% 3 * 0 40% 3 * 0 * 1

Outpatient Hospital

In-Network 17% 3 * 2 * 0 * 0 * 0 * 1

Out-of-Network 39% 8 33% 4 * 0 40% 3 * 0 * 1

Inpatient Hospital

In-Network * 2 * 2 * 0 * 0 * 0 * 0

Out-of-Network 39% 8 33% 4 * 0 40% 3 * 0 * 1

Emergency Room

In-Network $238 12 $317 3 $233 3 $194 4 * 1 * 1

Out-of-Network $269 6 $317 3 * 0 * 2 * 0 * 1


EE

In-Network $2,090 10 $2,000 4 * 1 $2,475 4 * 0 * 1

Out-of-Network $4,944 9 $5,500 3 * 1 $5,500 4 * 0 * 1

EE+Spouse

In-Network $4,200 9 $4,000 4 * 1 $5,933 3 * 0 * 1

Out-of-Network $10,000 8 $11,000 3 * 1 $12,667 3 * 0 * 1

EE+Child(ren)

In-Network $4,200 9 $4,000 4 * 1 $5,933 3 * 0 * 1

Out-of-Network $10,000 8 $11,000 3 * 1 $12,667 3 * 0 * 1

Family

In-Network $4,180 10 $4,000 4 * 1 $4,950 4 * 0 * 1

Out-of-Network $9,889 9 $11,000 3 * 1 $11,000 4 * 0 * 1

Average Deductibles





5


Generic $11 10 * 2 $10 3 $11 4 * 0 * 1

Brand $37 9 * 2 * 2 $36 4 * 0 * 1

Non-Formulary $63 8 * 1 * 2 $63 4 * 0 * 1

Mail Order (No Tier) * 0 * 0 * 0 * 0 * 0 * 0

Mail Order - Tier 1 $20 9 $20 3 * 2 $22 3 * 0 * 1

Mail Order - Tier 2 $77 9 $74 3 * 2 $83 3 * 0 * 1

Mail Order - Tier 3 $134 9 $135 3 * 2 $143 3 * 0 * 1


Generic * 1 * 0 * 0 * 0 * 1 * 0

Brand * 2 * 0 * 0 * 1 * 1 * 0

Non-Formulary * 1 * 0 * 0 * 1 * 0 * 0


Mail Order - Tier 1 * 1 * 0 * 0 * 1 * 0 * 0

Mail Order - Tier 2 * 1 * 0 * 0 * 1 * 0 * 0

Mail Order - Tier 3 * 1 * 0 * 0 * 1 * 0 * 0






6


EE $417 4 * 0 * 0 $417 4 * 0 * 0

EE+ Spouse $1,028 4 * 0 * 0 $1,028 4 * 0 * 0

EE+ Child(ren) $723 4 * 0 * 0 $723 4 * 0 * 0

Family $1,362 4 * 0 * 0 $1,362 4 * 0 * 0


EE $143 4 * 0 * 0 $143 4 * 0 * 0

EE+ Spouse $342 4 * 0 * 0 $342 4 * 0 * 0

EE+ Child(ren) $246 4 * 0 * 0 $246 4 * 0 * 0

Family $460 4 * 0 * 0 $460 4 * 0 * 0


EE * 0 * 0 * 0 * 0 * 0 * 0

EE+ Spouse * 0 * 0 * 0 * 0 * 0 * 0

EE+ Child(ren) * 0 * 0 * 0 * 0 * 0 * 0

Family * 0 * 0 * 0 * 0 * 0 * 0

2017 Mini Health & Welfare Benefits SurveyHMO Plans







7


Office Visit

In-Network * 2 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 0 * 0 50% 4 * 0 * 0

Specialist

In-Network * 2 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 0 * 0 50% 4 * 0 * 0

Urgent Care

In-Network * 2 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 0 * 0 50% 4 * 0 * 0

Outpatient Hospital

In-Network 20% 3 * 0 * 0 20% 3 * 0 * 0

Out-of-Network 50% 4 * 0 * 0 50% 4 * 0 * 0

Inpatient Hospital

In-Network * 2 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 0 * 0 50% 4 * 0 * 0

Emergency Room

In-Network * 2 * 0 * 0 * 2 * 0 * 0

Out-of-Network * 2 * 0 * 0 * 2 * 0 * 0


EE

In-Network $2,875 4 * 0 * 0 $2,875 4 * 0 * 0

Out-of-Network $5,750 4 * 0 * 0 $5,750 4 * 0 * 0

EE+Spouse

In-Network * 1 * 0 * 0 * 1 * 0 * 0

Out-of-Network * 1 * 0 * 0 * 1 * 0 * 0

EE+Child(ren)

In-Network * 1 * 0 * 0 * 1 * 0 * 0

Out-of-Network * 1 * 0 * 0 * 1 * 0 * 0

Family

In-Network $6,375 4 * 0 * 0 $6,375 4 * 0 * 0

Out-of-Network $14,000 4 * 0 * 0 $14,000 4 * 0 * 0

Average Deductibles





8


Generic $10 4 * 0 * 0 $10 4 * 0 * 0

Brand $35 4 * 0 * 0 $35 4 * 0 * 0

Non-Formulary * 1 * 0 * 0 * 1 * 0 * 0


Mail Order - Tier 1 $25 3 * 0 * 0 $25 3 * 0 * 0

Mail Order - Tier 2 $88 3 * 0 * 0 $88 3 * 0 * 0

Mail Order - Tier 3 $167 3 * 0 * 0 $167 3 * 0 * 0


Generic * 0 * 0 * 0 * 0 * 0 * 0

Brand * 0 * 0 * 0 * 0 * 0 * 0

Non-Formulary * 0 * 0 * 0 * 0 * 0 * 0


Mail Order - Tier 1 * 0 * 0 * 0 * 0 * 0 * 0

Mail Order - Tier 2 * 0 * 0 * 0 * 0 * 0 * 0

Mail Order - Tier 3 * 0 * 0 * 0 * 0 * 0 * 0






9


EE $438 169 $464 40 $403 37 $434 71 $514 12 $404 9

EE+ Spouse $938 163 $986 39 $867 36 $921 69 $1,130 11 $900 8

EE+ Child(ren) $843 159 $858 39 $763 34 $826 68 $1,152 10 $862 8

Family $1,319 169 $1,384 40 $1,232 37 $1,297 71 $1,558 12 $1,244 9


EE $117 129 $138 22 $115 29 $107 59 $123 11 $131 8

EE+ Spouse $295 131 $359 23 $280 29 $268 61 $278 10 $392 8

EE+ Child(ren) $265 125 $353 21 $242 27 $232 60 $295 9 $334 8

Family $432 134 $600 23 $389 30 $380 61 $404 11 $538 9


EE 27% 54 29% 19 29% 14 25% 18 * 1 * 2

EE+ Spouse 30% 53 32% 18 30% 14 28% 18 * 1 * 2

EE+ Child(ren) 30% 52 32% 18 30% 14 28% 17 * 1 * 2

Family 30% 53 32% 18 31% 14 27% 18 * 1 * 2

2017 Mini Health & Welfare Benefits SurveyHigh Deductible Health Plans







10


Office Visit

In-Network 19% 69 21% 17 18% 6 19% 35 17% 5 18% 6

Out-of-Network 41% 138 44% 36 41% 25 40% 57 36% 11 43% 9

Specialist

In-Network 19% 67 21% 17 18% 6 19% 33 17% 5 18% 6

Out-of-Network 41% 136 44% 36 41% 25 40% 55 36% 11 43% 9

Urgent Care

In-Network 19% 70 21% 18 18% 6 19% 35 17% 5 18% 6

Out-of-Network 41% 132 45% 32 41% 25 40% 56 35% 10 43% 9

Outpatient Hospital

In-Network 20% 83 22% 23 19% 8 19% 38 20% 7 19% 7

Out-of-Network 42% 132 49% 34 40% 23 39% 56 35% 10 43% 9

Inpatient Hospital

In-Network 20% 84 22% 24 19% 8 19% 38 20% 7 19% 7

Out-of-Network 41% 136 45% 35 41% 25 39% 56 36% 11 43% 9

Emergency Room

In-Network 19% 76 21% 20 19% 8 19% 36 18% 6 18% 6

Out-of-Network 39% 98 37% 27 40% 14 37% 40 37% 10 54% 7


EE

In-Network $3,217 178 $3,297 43 $3,447 38 $3,079 75 $2,931 13 $3,422 9

Out-of-Network $6,828 158 $7,945 38 $7,598 33 $6,312 66 $4,583 12 $6,056 9

EE+Spouse

In-Network $6,116 156 $5,841 43 $6,922 32 $5,891 62 $6,055 11 $6,200 8

Out-of-Network $13,560 142 $15,784 38 $15,732 28 $11,717 58 $10,860 10 $12,125 8

EE+Child(ren)

In-Network $6,149 152 $5,841 43 $7,133 30 $5,889 61 $6,060 10 $6,200 8

Out-of-Network $13,665 139 $15,784 38 $16,056 27 $11,800 57 $10,733 9 $12,125 8

Family

In-Network $6,229 178 $5,945 43 $6,908 38 $6,017 75 $6,000 13 $6,811 9

Out-of-Network $13,566 158 $16,021 38 $15,227 33 $12,111 66 $10,333 12 $12,078 9




Average Deductibles


11


Generic $10 82 $10 18 $12 21 $9 36 $9 4 $10 3

Brand $37 77 $39 18 $37 20 $35 33 $38 3 $33 3

Non-Formulary $62 71 $66 16 $63 16 $59 33 $68 3 $57 3

Mail Order (No Tier) $18 9 * 1 * 2 $14 6 * 0 * 0

Mail Order - Tier 1 $24 74 $26 16 $25 21 $25 31 $18 4 * 2

Mail Order - Tier 2 $88 73 $89 15 $88 21 $91 31 $64 4 * 2

Mail Order - Tier 3 $152 70 $151 14 $160 20 $153 30 $108 4 * 2


Generic 19% 40 21% 9 20% 4 18% 22 18% 3 * 2

Brand 20% 44 21% 9 22% 6 20% 24 18% 3 * 2

Non-Formulary 21% 45 21% 11 22% 7 23% 22 18% 3 * 2

Mail Order (No Tier) 17% 31 20% 6 * 2 16% 18 18% 3 * 2

Mail Order - Tier 1 19% 24 21% 5 20% 3 18% 11 18% 3 * 2

Mail Order - Tier 2 21% 24 21% 5 20% 3 22% 11 18% 3 * 2

Mail Order - Tier 3 18% 23 21% 5 20% 3 17% 10 18% 3 * 2






12


EE $489 15 * 2 $364 4 $526 6 $535 3 * 0

EE+ Spouse $956 13 * 1 $731 3 $1,018 6 $1,045 3 * 0

EE+ Child(ren) $869 14 * 1 $650 4 $967 6 $999 3 * 0

Family $1,419 14 * 1 $1,114 4 $1,592 6 $1,489 3 * 0


EE $108 9 * 1 * 2 $77 4 * 2 * 0

EE+ Spouse $256 9 * 1 * 2 $215 4 * 2 * 0

EE+ Child(ren) $228 10 * 1 $233 3 $176 4 * 2 * 0

Family $385 10 * 1 $451 3 $314 4 * 2 * 0


EE 32% 7 * 1 * 1 20% 4 * 1 * 0

EE+ Spouse 30% 6 * 0 * 1 21% 4 * 1 * 0

EE+ Child(ren) 30% 6 * 0 * 1 21% 4 * 1 * 0

Family 30% 6 * 0 * 1 21% 4 * 1 * 0

2017 Mini Health & Welfare Benefits SurveyHealth Reimbursement Account Plans







13


Office Visit

In-Network * 2 * 0 * 0 * 1 * 1 * 0

Out-of-Network 45% 10 * 0 37% 3 48% 4 50% 3 * 0

Specialist

In-Network * 2 * 0 * 0 * 1 * 1 * 0

Out-of-Network 45% 10 * 0 37% 3 48% 4 50% 3 * 0

Urgent Care

In-Network * 2 * 0 * 0 * 1 * 1 * 0

Out-of-Network 45% 10 * 0 37% 3 48% 4 50% 3 * 0

Outpatient Hospital

In-Network 25% 4 * 0 * 0 30% 3 * 1 * 0

Out-of-Network 44% 9 * 0 33% 3 48% 4 * 2 * 0

Inpatient Hospital

In-Network 25% 4 * 0 * 0 30% 3 * 1 * 0

Out-of-Network 46% 9 * 0 37% 3 48% 4 * 2 * 0

Emergency Room

In-Network 25% 4 * 0 * 0 30% 3 * 1 * 0

Out-of-Network 40% 8 * 0 * 2 37% 3 50% 3 * 0


EE

In-Network $2,338 13 * 2 $1,638 4 $3,400 5 * 2 * 0

Out-of-Network $4,850 12 * 1 $4,688 4 $6,620 5 * 2 * 0

EE+Spouse

In-Network $5,030 10 * 1 * 2 $6,800 5 * 2 * 0

Out-of-Network $9,530 10 * 1 * 2 $13,240 5 * 2 * 0

EE+Child(ren)

In-Network $5,030 10 * 1 * 2 $6,800 5 * 2 * 0

Out-of-Network $9,530 10 * 1 * 2 $13,240 5 * 2 * 0

Family

In-Network $4,750 12 * 1 $3,350 4 $6,800 5 * 2 * 0

Out-of-Network $9,317 12 * 1 $8,250 4 $13,240 5 * 2 * 0




Average Deductibles


14


Generic $11 7 * 1 * 1 $10 4 * 1 * 0

Brand $35 7 * 1 * 1 $34 4 * 1 * 0

Non-Formulary $67 7 * 1 * 1 $68 4 * 1 * 0


Mail Order - Tier 1 $19 7 * 0 * 2 $18 4 * 1 * 0

Mail Order - Tier 2 $83 7 * 0 * 2 $85 4 * 1 * 0

Mail Order - Tier 3 $156 7 * 0 * 2 $169 4 * 1 * 0


Generic * 1 * 0 * 0 * 0 * 1 * 0

Brand * 1 * 0 * 0 * 0 * 1 * 0

Non-Formulary * 1 * 0 * 0 * 0 * 1 * 0


Mail Order - Tier 1 * 1 * 0 * 0 * 0 * 1 * 0

Mail Order - Tier 2 * 1 * 0 * 0 * 0 * 1 * 0

Mail Order - Tier 3 * 2 * 0 * 1 * 0 * 1 * 0






15

Section 2

Health Benefit Information

Industry Breakdown


Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses

EE $528 159 * 2 $517 6 $520 62 $547 19 $517 11 $535 29 $524 28

EE+ Spouse $1,113 157 * 2 $1,061 6 $1,126 61 $1,161 18 $1,081 10 $1,146 29 $1,036 29

EE+ Child(ren) $1,016 143 * 2 $986 6 $1,014 54 $1,040 15 $980 11 $981 26 $1,065 27

Family $1,577 158 * 2 $1,563 6 $1,568 61 $1,644 18 $1,592 11 $1,600 29 $1,496 29


EE $142 128 * 2 * 1 $122 55 $114 13 $199 10 $164 23 $167 23

EE+ Spouse $357 132 * 2 * 2 $313 55 $415 14 $463 11 $347 23 $383 23

EE+ Child(ren) $330 116 * 2 * 2 $295 45 $357 13 $391 11 $335 20 $382 21

Family $508 131 * 2 * 2 $443 54 $608 14 $663 11 $488 23 $552 23


EE 30% 55 * 1 38% 3 27% 17 20% 6 41% 4 32% 16 34% 8

EE+ Spouse 34% 55 * 1 38% 3 30% 18 25% 6 42% 4 36% 16 40% 7

EE+ Child(ren) 34% 52 * 1 38% 3 30% 18 25% 4 36% 4 38% 15 39% 7

Family 33% 55 * 1 38% 3 30% 18 29% 6 35% 4 35% 16 42% 7

Non-Profit Service/Financial

Service/FinancialTotal Construction Health Manufacturing Non-Profit Other



Wholesale/Distribution/Retail Other

Wholesale/Distribution/Retail OtherTotal Construction Health Manufacturing Non-Profit

Construction Health Manufacturing


Service/Financial

Total

Wholesale/Distribution/Retail

16


Office Visit

In-Network $28 146 $30 3 $27 6 $26 51 $28 16 $28 13 $29 28 $29 27

Out-of-Network 45% 123 * 2 47% 6 43% 43 43% 14 45% 12 47% 25 51% 19

Specialist

In-Network $48 144 $58 3 $43 6 $45 51 $48 16 $45 13 $52 28 $52 25

Out-of-Network 46% 123 * 2 47% 6 44% 44 43% 14 45% 12 48% 24 51% 19

Urgent Care

In-Network $73 145 $83 3 $83 6 $64 50 $71 17 $75 13 $74 28 $86 26

Out-of-Network 46% 110 * 2 47% 6 47% 40 40% 11 45% 11 46% 22 51% 17

Outpatient Hospital

In-Network 21% 115 * 2 20% 5 20% 42 26% 14 21% 10 21% 20 20% 21

Out-of-Network 46% 119 57% 3 47% 6 46% 44 42% 13 45% 11 46% 23 51% 17

Inpatient Hospital

In-Network 21% 115 * 1 20% 5 20% 42 25% 14 21% 10 21% 20 20% 23

Out-of-Network 46% 124 57% 3 47% 6 46% 44 43% 15 45% 11 46% 24 51% 19

Emergency Room

In-Network $243 143 $267 3 $258 6 $238 49 $243 15 $246 13 $248 28 $249 27

Out-of-Network $231 95 $267 3 $251 4 $225 32 $253 10 $241 11 $242 18 $218 15


EE

In-Network $1,802 164 $3,000 3 $2,000 6 $1,685 62 $1,714 19 $1,673 13 $2,079 31 $1,763 29

Out-of-Network $4,358 147 $8,833 3 $4,417 6 $4,067 56 $3,908 17 $4,833 12 $4,229 28 $4,858 24

EE+Spouse

In-Network $3,712 144 $6,333 3 $4,000 6 $3,353 57 $3,388 16 $4,167 9 $4,361 27 $3,620 25

Out-of-Network $8,789 128 $17,667 3 $8,833 6 $8,169 51 $7,571 14 $8,875 8 $9,133 24 $9,770 21

EE+Child(ren)

In-Network $3,894 134 $6,333 3 $4,000 6 $3,597 50 $3,586 14 $4,278 9 $4,481 27 $3,698 24

Out-of-Network $9,366 120 $17,667 3 $8,833 6 $8,844 45 $8,167 12 $9,375 8 $9,404 24 $10,484 21

Family

In-Network $3,755 162 $6,333 3 $4,000 6 $3,422 61 $3,481 19 $3,904 13 $4,355 31 $3,723 28

Out-of-Network $9,159 145 $17,667 3 $8,833 6 $8,424 55 $7,640 17 $11,000 12 $8,811 28 $10,833 23

Total Construction Health Manufacturing Non-Profit

Average Deductibles

Total Construction Health Manufacturing Non-Profit Service/Financial




Wholesale/Distribution/Retail OtherService/Financial

17


Generic $10 136 $10 3 $12 3 $11 51 $11 18 $10 11 $10 24 $10 24

Brand $36 125 $35 3 $47 3 $35 43 $36 16 $35 11 $36 24 $34 23

Non-Formulary $63 116 $70 3 * 2 $60 40 $68 15 $66 11 $65 23 $63 20

Mail Order (No Tier) $19 6 * 0 * 0 $16 4 * 2 * 0 * 0 * 0

Mail Order - Tier 1 $21 123 * 2 $17 6 $19 38 $25 14 $23 13 $21 25 $21 23

Mail Order - Tier 2 $76 121 * 2 $64 6 $73 36 $81 14 $77 13 $81 25 $75 23

Mail Order - Tier 3 $141 120 * 2 $121 6 $133 36 $162 13 $144 13 $144 25 $143 23


Generic 22% 15 * 0 * 0 21% 9 * 0 * 1 * 2 22% 3

Brand 26% 26 * 0 * 0 25% 17 * 2 * 1 * 2 21% 4

Non-Formulary 33% 27 * 0 * 0 31% 18 * 2 * 0 * 2 27% 5

Mail Order (No Tier) 25% 3 * 0 * 0 * 1 * 0 * 0 * 1 * 1

Mail Order - Tier 1 25% 10 * 0 * 0 20% 6 * 2 * 1 * 0 * 1

Mail Order - Tier 2 34% 11 * 0 * 0 29% 7 * 2 * 1 * 0 * 1

Mail Order - Tier 3 29% 7 * 0 * 0 29% 6 * 0 * 0 * 0 * 1

Service/Financial








18



EE $658 12 * 0 * 0 $603 5 * 2 $928 3 * 0 * 1

EE+ Spouse $1,238 11 * 0 * 0 $1,337 5 * 2 * 2 * 0 * 1

EE+ Child(ren) $1,154 9 * 0 * 0 $1,278 4 * 2 * 2 * 0 * 0

Family $1,882 12 * 0 * 0 $1,768 5 * 2 $2,535 3 * 0 * 1


EE $155 6 * 0 * 0 * 2 * 1 * 2 * 0 * 1

EE+ Spouse $230 6 * 0 * 0 * 2 * 1 * 1 * 0 * 1

EE+ Child(ren) $175 4 * 0 * 0 * 1 * 1 * 1 * 0 * 0

Family $492 7 * 0 * 0 * 2 * 1 * 2 * 0 * 1


EE 21% 7 * 0 * 0 26% 4 * 1 * 1 * 0 * 1

EE+ Spouse 24% 6 * 0 * 0 31% 3 * 1 * 1 * 0 * 1

EE+ Child(ren) 25% 5 * 0 * 0 31% 3 * 1 * 1 * 0 * 0

Family 24% 6 * 0 * 0 31% 3 * 1 * 1 * 0 * 1









Service/Financial

Total


19


Office Visit

In-Network $26 13 * 0 * 0 $25 6 * 2 $20 3 * 0 * 1

Out-of-Network 43% 8 * 0 * 0 * 2 * 1 * 2 * 0 * 2

Specialist

In-Network $44 13 * 0 * 0 $43 6 * 2 $28 3 * 0 * 1

Out-of-Network 43% 8 * 0 * 0 * 2 * 1 * 2 * 0 * 2

Urgent Care

In-Network $68 13 * 0 * 0 $71 6 * 2 $52 3 * 0 * 1

Out-of-Network 43% 7 * 0 * 0 * 1 * 1 * 2 * 0 * 2

Outpatient Hospital

In-Network 17% 3 * 0 * 0 * 1 * 1 * 1 * 0 * 0

Out-of-Network 39% 8 * 0 * 0 * 2 * 1 * 2 * 0 * 2

Inpatient Hospital

In-Network * 2 * 0 * 0 * 0 * 0 * 1 * 0 * 1

Out-of-Network 39% 8 * 0 * 0 * 2 * 1 * 2 * 0 * 2

Emergency Room

In-Network $209 11 * 0 * 0 $217 6 * 2 $192 3 * 0 * 0

Out-of-Network $213 5 * 0 * 0 $213 3 * 1 * 1 * 0 * 0


EE

In-Network $2,090 10 * 0 * 0 $2,500 4 * 2 * 1 * 0 * 2

Out-of-Network $4,944 9 * 0 * 0 $4,825 4 * 2 * 1 * 0 * 1

EE+Spouse

In-Network $4,200 9 * 0 * 0 $4,500 4 * 1 * 1 * 0 * 2

Out-of-Network $10,000 8 * 0 * 0 $8,900 4 * 1 * 1 * 0 * 1

EE+Child(ren)

In-Network $4,200 9 * 0 * 0 $4,500 4 * 1 * 1 * 0 * 2

Out-of-Network $10,000 8 * 0 * 0 $8,900 4 * 1 * 1 * 0 * 1

Family

In-Network $4,180 10 * 0 * 0 $5,000 4 * 2 * 1 * 0 * 2

Out-of-Network $9,889 9 * 0 * 0 $9,650 4 * 2 * 1 * 0 * 1


Average Deductibles






20


Generic $11 10 * 0 * 0 $12 4 * 2 * 2 * 0 * 1

Brand $37 9 * 0 * 0 $35 3 * 2 * 2 * 0 * 1

Non-Formulary $63 8 * 0 * 0 $53 3 * 2 * 2 * 0 * 0

Mail Order (No Tier) * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Mail Order - Tier 1 $20 9 * 0 * 0 $16 4 * 2 * 2 * 0 * 0

Mail Order - Tier 2 $77 9 * 0 * 0 $66 4 * 2 * 2 * 0 * 0

Mail Order - Tier 3 $134 9 * 0 * 0 $106 4 * 2 * 2 * 0 * 0


Generic * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0

Brand * 2 * 0 * 0 * 1 * 0 * 0 * 0 * 1

Non-Formulary * 1 * 0 * 0 * 0 * 0 * 0 * 0 * 1


Mail Order - Tier 1 * 1 * 0 * 0 * 0 * 0 * 0 * 0 * 1

Mail Order - Tier 2 * 1 * 0 * 0 * 0 * 0 * 0 * 0 * 1

Mail Order - Tier 3 * 1 * 0 * 0 * 0 * 0 * 0 * 0 * 1

Service/Financial








21



EE $417 4 * 1 * 0 * 0 * 0 $482 3 * 0 * 0

EE+ Spouse $1,028 4 * 1 * 0 * 0 * 0 $1,060 3 * 0 * 0

EE+ Child(ren) $723 4 * 1 * 0 * 0 * 0 $814 3 * 0 * 0

Family $1,362 4 * 1 * 0 * 0 * 0 $1,489 3 * 0 * 0


EE $143 4 * 1 * 0 * 0 * 0 $172 3 * 0 * 0

EE+ Spouse $342 4 * 1 * 0 * 0 * 0 $378 3 * 0 * 0

EE+ Child(ren) $246 4 * 1 * 0 * 0 * 0 $291 3 * 0 * 0

Family $460 4 * 1 * 0 * 0 * 0 $531 3 * 0 * 0


EE * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

EE+ Spouse * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

EE+ Child(ren) * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Family * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0









Service/Financial

Total


22


Office Visit

In-Network * 2 * 0 * 0 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 1 * 0 * 0 * 0 43% 3 * 0 * 0

Specialist

In-Network * 2 * 0 * 0 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 1 * 0 * 0 * 0 43% 3 * 0 * 0

Urgent Care

In-Network * 2 * 0 * 0 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 1 * 0 * 0 * 0 43% 3 * 0 * 0

Outpatient Hospital

In-Network 20% 3 * 0 * 0 * 0 * 0 20% 3 * 0 * 0

Out-of-Network 50% 4 * 1 * 0 * 0 * 0 43% 3 * 0 * 0

Inpatient Hospital

In-Network * 2 * 0 * 0 * 0 * 0 * 2 * 0 * 0

Out-of-Network 50% 4 * 1 * 0 * 0 * 0 43% 3 * 0 * 0

Emergency Room

In-Network * 2 * 0 * 0 * 0 * 0 * 2 * 0 * 0

Out-of-Network * 2 * 0 * 0 * 0 * 0 * 2 * 0 * 0


EE

In-Network $2,875 4 * 1 * 0 * 0 * 0 $2,667 3 * 0 * 0

Out-of-Network $5,750 4 * 1 * 0 * 0 * 0 $5,333 3 * 0 * 0

EE+Spouse

In-Network * 1 * 1 * 0 * 0 * 0 * 0 * 0 * 0

Out-of-Network * 1 * 1 * 0 * 0 * 0 * 0 * 0 * 0

EE+Child(ren)

In-Network * 1 * 1 * 0 * 0 * 0 * 0 * 0 * 0

Out-of-Network * 1 * 1 * 0 * 0 * 0 * 0 * 0 * 0

Family

In-Network $6,375 4 * 1 * 0 * 0 * 0 $6,167 3 * 0 * 0

Out-of-Network $14,000 4 * 1 * 0 * 0 * 0 $14,000 3 * 0 * 0


Average Deductibles






23


Generic $10 4 * 1 * 0 * 0 * 0 $10 3 * 0 * 0

Brand $35 4 * 1 * 0 * 0 * 0 $35 3 * 0 * 0

Non-Formulary * 1 * 1 * 0 * 0 * 0 * 0 * 0 * 0


Mail Order - Tier 1 $25 3 * 0 * 0 * 0 * 0 $25 3 * 0 * 0

Mail Order - Tier 2 $88 3 * 0 * 0 * 0 * 0 $88 3 * 0 * 0

Mail Order - Tier 3 $167 3 * 0 * 0 * 0 * 0 $167 3 * 0 * 0


Generic * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Brand * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Non-Formulary * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0


Mail Order - Tier 1 * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Mail Order - Tier 2 * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Mail Order - Tier 3 * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Service/Financial








24



EE $438 169 $377 6 * 1 $409 65 $497 16 $408 21 $490 25 $452 33

EE+ Spouse $938 163 $785 6 * 1 $883 62 $1,020 16 $908 21 $1,066 23 $958 32

EE+ Child(ren) $843 159 $811 6 * 1 $794 60 $929 15 $790 21 $864 23 $918 31

Family $1,319 169 $1,159 6 * 1 $1,245 65 $1,446 16 $1,281 22 $1,420 25 $1,392 32


EE $117 129 $108 4 * 0 $113 45 $86 12 $153 16 $144 22 $95 28

EE+ Spouse $303 132 $333 4 * 1 $264 45 $292 12 $371 19 $388 20 $268 29

EE+ Child(ren) $267 128 $275 4 * 0 $233 43 $266 12 $306 19 $326 20 $259 28

Family $432 134 $511 4 * 1 $365 45 $503 12 $508 19 $516 22 $397 29


EE 27% 54 38% 3 * 0 31% 24 19% 6 27% 5 24% 9 23% 6

EE+ Spouse 30% 53 41% 3 * 0 31% 24 26% 6 29% 5 31% 8 24% 6

EE+ Child(ren) 30% 52 38% 3 * 0 31% 24 25% 5 29% 5 31% 8 23% 6

Family 30% 53 42% 3 * 0 31% 24 29% 6 27% 5 30% 8 23% 6


Total Construction Health Manufacturing Non-Profit Service/Financial Wholesale/Distribution/Retail Other



Service/Financial



25


Office Visit

In-Network 19% 69 * 0 * 0 21% 26 20% 11 20% 5 20% 10 16% 16

Out-of-Network 41% 138 50% 3 * 0 39% 53 50% 13 44% 19 45% 22 34% 27

Specialist

In-Network 19% 67 * 0 * 0 21% 26 20% 10 20% 5 20% 9 16% 16

Out-of-Network 41% 136 50% 3 * 0 39% 53 51% 12 44% 19 46% 21 34% 27

Urgent Care

In-Network 19% 70 * 0 * 0 21% 27 19% 11 20% 5 20% 10 16% 16

Out-of-Network 41% 132 50% 3 * 0 40% 51 50% 12 44% 19 45% 19 34% 27

Outpatient Hospital

In-Network 20% 83 * 2 * 0 22% 31 20% 12 20% 5 20% 14 17% 18

Out-of-Network 42% 132 50% 3 * 0 39% 49 48% 12 51% 19 45% 21 34% 27

Inpatient Hospital

In-Network 20% 84 * 2 * 0 22% 32 20% 12 20% 5 20% 14 17% 18

Out-of-Network 41% 136 50% 3 * 0 40% 52 50% 12 42% 19 45% 22 34% 27

Emergency Room

In-Network 19% 76 * 1 * 0 21% 29 20% 12 20% 5 20% 10 17% 18

Out-of-Network 39% 98 * 2 * 0 37% 35 43% 12 41% 11 42% 16 33% 21


EE

In-Network $3,217 178 $3,329 7 * 1 $3,155 69 $2,776 17 $3,546 24 $3,560 24 $3,143 34

Out-of-Network $6,828 158 $6,000 7 * 1 $6,462 60 $6,676 17 $7,528 20 $7,717 23 $6,638 29

EE+Spouse

In-Network $6,116 156 $6,300 4 * 1 $6,196 63 $5,275 16 $6,460 21 $6,885 20 $5,752 29

Out-of-Network $13,560 142 $12,500 4 * 1 $13,070 56 $13,375 16 $14,339 18 $16,842 19 $11,907 27

EE+Child(ren)

In-Network $6,149 152 $6,300 4 * 1 $6,243 61 $5,227 15 $6,460 21 $6,885 20 $5,814 28

Out-of-Network $13,665 139 $12,500 4 * 1 $13,202 54 $13,467 15 $14,617 18 $16,842 19 $11,907 27

Family

In-Network $6,229 178 $6,657 7 * 1 $6,188 69 $5,759 17 $6,535 24 $6,892 24 $5,912 34

Out-of-Network $13,566 158 $12,000 7 * 1 $13,138 60 $14,176 17 $14,455 20 $15,552 23 $12,181 29


Other

Average Deductibles



Total Construction Health Manufacturing Non-Profit Service/Financial Wholesale/Distribution/Retail

26


Generic $10 82 $13 4 * 0 $10 34 $10 8 $9 10 $9 10 $10 15

Brand $37 77 $52 3 * 0 $38 31 $36 8 $34 10 $38 10 $34 14

Non-Formulary $62 71 * 2 * 0 $64 29 $62 7 $61 9 $66 10 $59 13

Mail Order (No Tier) $18 9 * 0 * 0 $16 7 * 0 * 1 * 1 * 0

Mail Order - Tier 1 $24 74 $26 4 * 0 $28 27 $26 8 $22 10 $25 11 $18 13

Mail Order - Tier 2 $88 73 $91 4 * 0 $92 27 $84 7 $93 10 $89 11 $78 13

Mail Order - Tier 3 $152 70 $158 4 * 0 $153 25 $152 7 $161 10 $150 10 $150 13


Generic 19% 41 * 0 * 0 20% 19 20% 3 * 1 20% 6 15% 11

Brand 20% 45 * 0 * 0 22% 23 20% 3 * 1 20% 6 18% 11

Non-Formulary 22% 46 * 0 * 0 24% 24 * 2 * 2 20% 6 20% 11

Mail Order (No Tier) 17% 31 * 0 * 0 18% 14 * 2 * 0 18% 6 15% 8

Mail Order - Tier 1 19% 24 * 0 * 0 21% 11 * 0 * 1 17% 3 15% 8

Mail Order - Tier 2 21% 24 * 0 * 0 26% 11 * 0 * 1 17% 3 15% 8

Mail Order - Tier 3 18% 23 * 0 * 0 21% 10 * 0 * 1 17% 3 15% 8


Other





27



EE $489 15 * 1 * 0 $498 9 * 0 * 1 * 1 * 2

EE+ Spouse $956 13 * 1 * 0 $951 8 * 0 * 1 * 1 * 1

EE+ Child(ren) $869 14 * 1 * 0 $867 8 * 0 * 1 * 1 * 2

Family $1,419 14 * 1 * 0 $1,421 8 * 0 * 1 * 1 * 2


EE $108 9 * 0 * 0 $96 5 * 0 * 0 * 1 * 2

EE+ Spouse $256 9 * 0 * 0 $264 5 * 0 * 1 * 1 * 1

EE+ Child(ren) $228 10 * 0 * 0 $239 5 * 0 * 1 * 1 * 2

Family $385 10 * 0 * 0 $360 5 * 0 * 1 * 1 * 2


EE 32% 7 * 1 * 0 25% 5 * 0 * 0 * 1 * 0

EE+ Spouse 30% 6 * 1 * 0 21% 4 * 0 * 0 * 1 * 0

EE+ Child(ren) 30% 6 * 1 * 0 21% 4 * 0 * 0 * 1 * 0

Family 30% 6 * 1 * 0 21% 4 * 0 * 0 * 1 * 0





Service/Financial



28


Office Visit

In-Network * 2 * 0 * 0 * 2 * 0 * 0 * 0 * 0

Out-of-Network 45% 10 * 0 * 0 43% 6 * 0 * 1 * 1 * 2

Specialist

In-Network * 2 * 0 * 0 * 2 * 0 * 0 * 0 * 0

Out-of-Network 45% 10 * 0 * 0 43% 6 * 0 * 1 * 1 * 2

Urgent Care

In-Network * 2 * 0 * 0 * 2 * 0 * 0 * 0 * 0

Out-of-Network 45% 10 * 0 * 0 43% 6 * 0 * 1 * 1 * 2

Outpatient Hospital

In-Network 25% 4 * 0 * 0 25% 4 * 0 * 0 * 0 * 0

Out-of-Network 44% 9 * 0 * 0 44% 5 * 0 * 1 * 1 * 2

Inpatient Hospital

In-Network 25% 4 * 0 * 0 25% 4 * 0 * 0 * 0 * 0

Out-of-Network 46% 9 * 0 * 0 44% 5 * 0 * 1 * 1 * 2

Emergency Room

In-Network 25% 4 * 0 * 0 25% 4 * 0 * 0 * 0 * 0

Out-of-Network 40% 8 * 0 * 0 36% 5 * 0 * 0 * 1 * 2


EE

In-Network $2,257 14 * 1 * 0 $2,467 9 * 0 * 1 * 1 * 2

Out-of-Network $4,569 13 * 1 * 0 $4,725 8 * 0 * 1 * 1 * 2

EE+Spouse

In-Network $4,745 11 * 0 * 0 $4,988 8 * 0 * 0 * 1 * 2

Out-of-Network $8,836 11 * 0 * 0 $9,388 8 * 0 * 0 * 1 * 2

EE+Child(ren)

In-Network $4,727 11 * 0 * 0 $4,963 8 * 0 * 0 * 1 * 2

Out-of-Network $8,818 11 * 0 * 0 $9,363 8 * 0 * 0 * 1 * 2

Family

In-Network $4,569 13 * 1 * 0 $5,050 8 * 0 * 1 * 1 * 2

Out-of-Network $8,785 13 * 1 * 0 $9,450 8 * 0 * 1 * 1 * 2


Other

Average Deductibles




29


Generic $11 7 * 0 * 0 $11 6 * 0 * 0 * 0 * 1

Brand $35 7 * 0 * 0 $35 6 * 0 * 0 * 0 * 1

Non-Formulary $67 7 * 0 * 0 $67 6 * 0 * 0 * 0 * 1


Mail Order - Tier 1 $19 7 * 0 * 0 $20 5 * 0 * 1 * 0 * 1

Mail Order - Tier 2 $83 7 * 0 * 0 $88 5 * 0 * 1 * 0 * 1

Mail Order - Tier 3 $156 7 * 0 * 0 $165 5 * 0 * 1 * 0 * 1


Generic * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0

Brand * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0

Non-Formulary * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0


Mail Order - Tier 1 * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0

Mail Order - Tier 2 * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0

Mail Order - Tier 3 * 2 * 0 * 0 * 1 * 0 * 0 * 0 * 1


Other





30

Section 3

Supplemental Healthcare

Questions

What percent of your employees are enrolled in:

Traditional Health Plans 45%

High Deductible Health Plans 55%

Responses 226

If you contribute to the HSA or HRA, what is the annual amount contributed?

HSA HRA

Single $740 $1,470

Employee + 1 $1,260 $2,750

Employee + Child(ren) $1,260 $2,720

Family $1,340 $2,810

Responses 94 47

Yes 24%

No 76%

Responses 245

Monthly surcharge amount:

Average $160

Responses 158

What actions has your company taken in the last 12 months to curb healthcare cost increases?

None 17%

Increased Employee Co-Payment 8%

Increased Employee Contribution to Premium 43%

Increased Employee-Paid Deductible 18%

Utilization Review 19%

Claim Precertification 3%

Reduced Benefits 5%

Increased Prescription Co-Pay 8%

Increased Use of Formularies 7%

Instituted Tiered Co-Pay for Prescriptions 4%

Raised Out-of-Pocket Maximum 15%

Introduced High Deductible Plan or Other Consumer-Driven Plan 5%

Added Wellness Program 23%

Conducted Audits to Determine Dependent Eligibility 8%

Other 22%

Responses 238

Do you apply a spousal surcharge on medical coverage to spouses who have other coverage available?

Percentages may exceed 100% due to multiple responses being allowed. 31

What actions will your company take in the next 12 months to curb healthcare cost increases?

None 21%

Increase Employee Co-Payment 8%

Increase Employee Contribution to Premium 29%

Increase Employee-Paid Deductible 8%

Utilization Review 23%

Claim Precertification 0%

Reduce Benefits 3%

Increase Prescription Co-Pay 6%

Increase Use of Formularies 2%

Institute Tiered Co-Pay for Prescriptions 1%

Raise Out-of-Pocket Maximum 7%

Introduce High Deductible Plan or Other Consumer-Driven Plan 5%

Add Wellness Program 17%

Conduct Audits to Determine Dependent Eligibility 9%

Other 25%

Responses 216

Offer a wellness program?

Yes 60%

No 40%

Responses 240

If Yes, what benefits do you currently offer?

Seasonal Flu Vaccinations 71%

Smoking Cessation Programs 54%

Health Fairs 28%

Fitness Center Membership Discounts/Reimbursement 38%

Biometric Screenings 61%

Weight Loss Programs 32%

Onsite Nurse 4%

Onsite Gym/Exercise Equipment 22%

Health Risk Assessments 50%

24 Hour Nurse Line 48%

CPR/First Aid Clinics 22%

Other 23%

Responses 154

Do you offer an incentive to participate in wellness

Yes 53%

No 47%

Responses 217

Are dependents eligible to participate in your Wellness Program?

Yes 42%

No 58%

Responses 195

Which dependents are eligible to participate in your Wellness Program?

Spouses 98%

Children 41%

Dependent grandchildren 5%

Other 5%

Responses 81

Percentages may exceed 100% due to multiple responses being allowed. 32

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