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 3

Comparison of Employer Health Plans
Family Coverage

  University of Wisconsin Penn State
Health Plan Name   Dane Health Plan GHC - S Central Physicians Plus Unity - UW Standard Plan Standard Plan II Plan A Healthpass HMO
Emergencies   100% + $25 100% + $25 100% + $25 100% + $25 100% 100%   80% 100%
Hospital   100% 100% 100% 100% 100% 100%   80% 100%
Outpatient   100% 100% 100% 100% 100% 100%   80% 100%
Mental Health   $7000/year $7000/year $7000/year $7000/year 100%/90% 100%/90% 100% + $20 50% 100% + $20
Chiropractic   ?? ?? ?? ?? 100% 100%   80% 100%
Home Health   100% < 50 visits 100% < 50 visits 100% < 50 visits 100% < 50 visits 100% 100%   80% 100%
Prescriptions   $8.00 $8.00 $8.00 $8.00 $8.00 $8.00     80%
Durable Med Equip   80% 80% 80% 80% 80% 80%     ??
Preventive   100% 100% 100% 100% 100% 100%   100%
Out-of-Network   Not Covered Not Covered Not Covered Not Covered ?? ??   70% ??
Total Premium   $528.24 $505.46 $541.90 $526.74 $752.00 $652.04 $428.28 $373.64 $323.49
Employee Premium   $0.00 $0.00 $11.17 $0.00 $221.27 $121.31 $101.00 $75.00 $16.00
Deductible   $0 $0 $0 $0 $25 $25   $100  
Annual OOP Max             $500   No limit  

NOTE: University of Wisconsin plans are for Dane County, WI (other counties not shown); Penn State premiums are for 1997

Appendix 4: Same Comparison for Single Coverage
Appendix 5: Comparison of Family Plans of Other Employers