Hapeman spoke on behalf of CIGNA, which did not have a representative at the meeting. Hapeman said it was the lowest quoted plan, although the county may or may not get some reimbursement. The 80/20 plan calls for a $2,000 deductible at a cost of $629 per employee, $1,324 for an employee and spouse, and $1,195 for an employee and two individuals. It is a self-funded plan.
Central Management Services, a PPO, quoted a price of $679 for employee coverage, which included dental and vision options, $1,304 for an employee and spouse and $1,684 for an employee and two individuals. A 90/20 plan, it has a $1,500 deductible and the maximum out of pocket expense per employee is $3,000.
A self-funded plan presented by Illinois Program Insurance Group and its representative Jack Abbott, is vulnerable to the most risk, according to White, in that the county has to fund the account to a reasonable amount. The county's maximum exposure for this fund is $978,068 with the county having to pay no more than $40,000 per member annually. Still, the monthly cost to operate the self-insurance plan came to approximately $81,000 — with $20,000 of it coming out of administrative fees — although the county could have money left over in the account at the end of the year if there is not a high number of claims.
Abbott said similar plans have been adopted in Clinton and Jackson counties.
White asked Hapeman for a recommendation on all plans presented, but he threw the ball back in the court of the committee.
"I have no preferences. You have to be comfortable with it," he responded.