University of Minnesota Health Plan Task Force January 14, 1998
Comparison of Health Insurance Purchasing Alternatives
Executive Summary Introduction Current Shortcomings Trends Alternative Models Profiles Retirees Further Analysis Summary
Appendices: 1, 2, 3, 4, 5, 6, 7, 8 Glossary

Appendix 2

Comparison of University of Minnesota Health Plans
Single Coverage

  University of Minnesota University of Minnesota University of Minnesota University of Minnesota University of Minnesota Projected 1998 Weighted Ave. Premiums for Twin Cities faculty and staff Projected 1998 Weighted Ave. Premiums for Twin Cities faculty and staff excluding State Health Plan
Health Plan Name   HP Classic HP Plan Medica Primary State Health Plan SHP Select
Emergencies   100% 100% 100% 100% + $30 100% + $30
Hospital   100% 100% 100% 100% 100%
Outpatient   100% 100% 100% 100% 100%
Mental Health   100% 100% 100% 100% 100%
Chiropractic   100% + $5 100% + $10 100% 100% 100%
Home Health   100% + $15 100% + $15 100% 100% 100%
Prescriptions   $7.00 $8.00 $8.50 $8.00/$14.00 $8.00    
Durable Med Equip   80% 80% 80% 80% 80%    
Preventive   100% 100% 100% 100% 100%    
Out-of-Network   Not Covered Not Covered Not Covered 70% Not Covered    
Total Premium   $168.39 $184.69 $172.86 $237.27 $161.72 $176.39 $167.17
Employee Premium   $6.67 $22.97 $11.14 $75.55 $0.00 $14.51 $5.61
Deductible   N/A N/A N/A N/A N/A    
Annual OOP Max   N/A N/A N/A N/A N/A    
1997 Twin Cities Enrollment   2810 621 537 898 2511    
Appendix 1: Same Comparison for Family Coverage
Appendix 4: Comparison of Single Plans of Other Employers