PEBT

August 9, 2001

Subject: Public Employees Benefit Trust Adds New Blue Shield PPO Plans and Announces 2002 Premiums

Re: Health Care Options for City Employees Full and Part time

In an effort to provide information options for our represented membership and all city employees, the BCEA is proud to announce the addition of two PEBT Blue Shield PPO plans. The two PPO plans will be available on August 1st, with $20 foxed copayment. The higher benefit plan is a 90%/60% plan called Blue Shield PPO high. The lower benefit plan is an 80%/60% plan called Blue Shield PPO low. The RX co-pays for PPO's are $5 generic, $10 brand-name, and $25 non-formulary. The other plans offered are comprised of four HMO's, with $10 office visit co-pay and $5 or $10 RX co-pay. The plans available are Blue Shield HMO and PPO's, Kaiser HMO, Universal HMO, and Maxicare HMO.

These plans have premium savings that we feel can help members save between $163 to $2,952 annually over CalPERS insurance on six (6) plans. The PEBT RX co-pay for 2002 is less than CalPERS RX co-pay. PEBT covers full time student children up to age 25 two years longer. All PEBT plans have an additional Chiropractic and Acupuncture benefit in addition to benefits provided by the HMO or PPO. There is a $10 co-pay per visit with up to 40 visits in combination of Chiropractic and Acupuncture a year. For 2002, CalPERS insurance increased co-pays which kept premium increases lower. Plan rates on the chart below are for 2002. We hope to replace Maxicare HMO with another plan for the 2002 year.

Since the passage of AB 2463 (Wiggins) in September 2000, CalPERS members and specified annuitants need only be eligible for PERS medical at the time of separation to enroll in any future open enrollment periods. This removed the requirement that employees carry PERS insurance at retirement to be eligible for insurance in retirement.

We hope this alternative to PERS' large premium increases expand your available choices. The PEBT is a Section 125-qualified plan open to all BCEA class employees, and Associate members. For all other city employees there is a three dollar per month administrative fee.

The BCEA and PacFed will be on hand at the next Health Benefits Fair tentatively scheduled for August 15, 2001, at the Olive Recreation Center. CalPERS' open enrollment will be from August 15, 2001 to September 30, 2001. We will be there with 2002 PEBT and CalPERS prices, and plan information. Representatives will be available to answer questions, help you compare plans, and sign you up. You can obtain a handout on the PEBT by stopping by the BCEA Office or visiting their website at PEBT.org

2002 Premium Comparison
CalPERS and Public Employees Benefit Trust (PEBT)
(Los Angeles and Orange Counties)

HMO Plans	CalPERS	PEBT*	Diff./Sav. Monthly	Diff./Sav. Annual
Blue Shield Single 2-Party Family	216.00 433.32 563.32	186.00 364.00 537.00	30.66 69.32 26.32	367.92 831.84 315.84
Kaiser Single 2-Party Family	210.17 420.34 546.44	192.00 368.00 517.00	18.17 52.34 29.44	218.04 628.08 353.28
Universal Care Single 2-Party Family	168.61 337.22 438.39	155.00 307.00 459.00	13.61 30.22 (20.61)	163.32 362.64 (247.32)
N/A N/A N/A	140.00 280.00 378.00

PPO Plans CalPERS PEBT* Diff./Sav.
Monthly Diff./Sav.
Annual

Blue Shield - Low Option

Single
2-Party
Family

249.00
498.00
647.00
PERSChoice
230.00
456.00
598.00
19.00
42.00
49.00
228.00
504.00
588.00

Blue Shield - High Option

Single
2-Party
Family

449.00
898.00
1,167.00
PERSCare
376.00
714.00
921.00
73.00
184.00
246.00
876.00
2,208.00
2,52.00

*PEBT includes Chiropractic/Acupuncture $10 co-pay - 40 visits per year

Public Employees Benefit Trust (PEBT)
2002 Plan Year - 1/1/2001 through 12/31/2001
HMO Benefit Comparison - Los Angeles and Orange Counties

Benefits & Coverages Blue Shield Kaiser Universal Care

OUTPATIENT SERVICES

Personal Physician - Office Visit $10 co-pay $10 co-pay $10 co-pay

Specialist Referral - Office Visit $10 co-pay $10 co-pay $10 co-pay

Specialist Self Referral - Office Visit $30 co-pay Not Covered Not Covered

Physical Exams No Charge $10 co-pay $10 co-pay

Allergy Testing $10 co-pay $10 co-pay $10 co-pay

Diagnostic X-Ray & Laboratory No Charge No Charge No Charge

Out Patient Surgery $50 co-pay $10 co-pay No Charge

PREVENTATIVE CARE

Well Baby Care to Age 2 No Charge No Charge No Charge

Annual Well Woman Exams No Charge No Charge No Charge

Adult & Pediatric Immunizations No Charge No Charge $10 co-pay

IN-HOSPITAL SERVICES

Hospitalization No Charge No Charge No Charge

Surgical Benefits No Charge No Charge No Charge

Skilled Nursing Facility No Charge No Charge up to 100 days No Charge up to 30 days

EMERGENCY SERVICES

Emergency Coverage $50 co-pay; Waived if hospital admit $50 co-pay; Waived if hospital admit $50 co-pay

Ambulance Services $50 co-pay $50 co-pay $25 co-pay

OTHER COVERAGE & SERVICES

Durable Medical Equipment 100% to $4,000, 50% thereafter No Charge No Charge

Home Health Services $25 co-pay No Charge $10 co-pay

Sterilization

Male (Vasectomy)
Female (Tubal Litigation)

$75 co-pay
$100 co-pay
$10 co-pay
$10 co-pay
$100 co-pay
$100 co-pay

Infertility Studies 50% of allowed charges $10 co-pay per visit 50% of allowed charges

Health Education No Charge $10 co-pay per visit No Charge

Alcohol & Drug Abuse-Detox

Out Patient
In Patient

$50 co-pay/Visit
No Charge

$10 co-pay/Visit
No Charge

$10 co-pay/Visit
No Charge

Mental Health Services

In Patient Hospital
Outpatient

No Charge
$50 co-pay per visit; max 20 visits per year

No Charge
$20 co-pay per visit; max 30 visit per year

No Charge
$25 co-pay per visit; max 20 visits per year

PRESCRIPTION COVERAGE $5 Generic
$10 Brand $10 Generic
$10 Brand $5 Generic
$5 Brand

Dependent children are covered to age 19. If a full time student, the dependent children are covered until age 25.

This HMO Benefit Comparison is a Brief Explanation of Benefits. If there is any difference between the preceding and the specific HMO Plan's Summary Plan Description (SPD), the benefits as set forth in the SPD will prevail.

Public Employees Benefit Trust (PEBT)
Brief Summary of PPO Coverage

Low Option PPO High Option PPO

PPO Non PPO PPO Non PPO

Calendar Year Deductible $500 per person; not to exceed $1,000 per family $500 per person; not to exceed $1,000 per family $500 per person; not to exceed $1,000 per family $500 per person; not to exceed $1,000 per family

Out of Pocket Maximum $2,000 per year $10,000 per year $2,000 per year $10,000 per year

Lifetime Maximum $6,000,000 $6,000,000

Physician Office Visit $20 co-pay 60% after deductible $20 co-pay 60% after deductible

Specialist Office Visit $20 co-pay 60% after deductible $20 co-pay 60% after deductible

Laboratory and X-rays $20 co-pay 60% after deductible $20 co-pay 60% after deductible

Routine Physical $20 co-pay Not Covered $20 co-pay Not Covered

Immunization $20 co-pay Not Covered $20 co-pay Not Covered

Mammogram and Pap test $20 co-pay Not Covered $20 co-pay Not Covered

Well Baby Care $20 co-pay Not Covered $20 co-pay Not Covered

Allergy Testing 80% after deductible 60% after deductible 90% after deductible 60% after deductible

Outpatient Services 80% after deductible 60% after deductible 90% after deductible 60% after deductible

Hospitalization Services 80% after deductible 60% after deductible 90% after deductible 60% after deductible

Emergency Care Services $75 co-pay; 80% after deductible if admitted $75 co-pay; 60% after deductible if admitted $75 co-pay; 90% after deductible if admitted $75 co-pay; 60% after deductible if admitted

Home Health Services 80% after deductible 60% after deductible 90% after deductible 60% after deductible

Ambulance 80% after deductible 80% after deductible 90% after deductible 90% after deductible

Durable Medical Equipment 80% after deductible 60% after deductible 90% after deductible 60% after deductible

Skilled Nursing Facility 90 days; 80% after deductible 90 days; 60% after deductible 180 days; 90% after deductible 180 days; 60% after deductible

RX $5/$10/$25;
Mail Order/90 day Supply: $10/$20/$50 $5/$10/$25;
Mail Order/90 day Supply: $10/$20/$50 $5/$10/$25
Mail Order/90 day Supply: $10/$20/$50 $5/$10/$25;
Mail Order/90 day Supply: $10/$20/$50

	Low Option PPO	High Option PPO
	PPO	Non PPO	PPO	Non PPO
Calendar Year Deductible	$500 per person; not to exceed $1,000 per family	$500 per person; not to exceed $1,000 per family	$500 per person; not to exceed $1,000 per family	$500 per person; not to exceed $1,000 per family
Out of Pocket Maximum	$2,000 per year	$10,000 per year	$2,000 per year	$10,000 per year
Lifetime Maximum	$6,000,000	$6,000,000
Physician Office Visit	$20 co-pay	60% after deductible	$20 co-pay	60% after deductible
Specialist Office Visit	$20 co-pay	60% after deductible	$20 co-pay	60% after deductible
Laboratory and X-rays	$20 co-pay	60% after deductible	$20 co-pay	60% after deductible
Routine Physical	$20 co-pay	Not Covered	$20 co-pay	Not Covered
Immunization	$20 co-pay	Not Covered	$20 co-pay	Not Covered
Mammogram and Pap test	$20 co-pay	Not Covered	$20 co-pay	Not Covered
Well Baby Care	$20 co-pay	Not Covered	$20 co-pay	Not Covered
Allergy Testing	80% after deductible	60% after deductible	90% after deductible	60% after deductible
Outpatient Services	80% after deductible	60% after deductible	90% after deductible	60% after deductible
Hospitalization Services	80% after deductible	60% after deductible	90% after deductible	60% after deductible
Emergency Care Services	$75 co-pay; 80% after deductible if admitted	$75 co-pay; 60% after deductible if admitted	$75 co-pay; 90% after deductible if admitted	$75 co-pay; 60% after deductible if admitted
Home Health Services	80% after deductible	60% after deductible	90% after deductible	60% after deductible
Ambulance	80% after deductible	80% after deductible	90% after deductible	90% after deductible
Durable Medical Equipment	80% after deductible	60% after deductible	90% after deductible	60% after deductible
Skilled Nursing Facility	90 days; 80% after deductible	90 days; 60% after deductible	180 days; 90% after deductible	180 days; 60% after deductible
RX	$5/$10/$25; Mail Order/90 day Supply: $10/$20/$50	$5/$10/$25; Mail Order/90 day Supply: $10/$20/$50	$5/$10/$25 Mail Order/90 day Supply: $10/$20/$50	$5/$10/$25; Mail Order/90 day Supply: $10/$20/$50

CalPERS and Public Employees Benefit Trust (PEBT)
Contribution Comparison

PPO Plans Low Option PPO High Option PPO

CalPERS PEBT Diff/Sav Monthly Diff/Sav Annual CalPERS PEBT Diff/Sav Monthly Diff/Sav Annual

Single 249.00 230.00 19.00 228.00 449.00 376.00 73.00 876.00

2-Party 498.00 456.00 42.00 504.00 898.00 714.00 184.00 2,208.00

Family 647.00 598.00 49.00 598.00 1,167.00 921.00 246.00 2,952.00

PPO Plans	CalPERS	PEBT*	Diff./Sav. Monthly	Diff./Sav. Annual
Blue Shield - Low Option Single 2-Party Family	249.00 498.00 647.00 PERSChoice	230.00 456.00 598.00	19.00 42.00 49.00	228.00 504.00 588.00
Blue Shield - High Option Single 2-Party Family	449.00 898.00 1,167.00 PERSCare	376.00 714.00 921.00	73.00 184.00 246.00	876.00 2,208.00 2,52.00

Benefits & Coverages	Blue Shield	Kaiser	Universal Care
OUTPATIENT SERVICES
Personal Physician - Office Visit	$10 co-pay	$10 co-pay	$10 co-pay
Specialist Referral - Office Visit	$10 co-pay	$10 co-pay	$10 co-pay
Specialist Self Referral - Office Visit	$30 co-pay	Not Covered	Not Covered
Physical Exams	No Charge	$10 co-pay	$10 co-pay
Allergy Testing	$10 co-pay	$10 co-pay	$10 co-pay
Diagnostic X-Ray & Laboratory	No Charge	No Charge	No Charge
Out Patient Surgery	$50 co-pay	$10 co-pay	No Charge
PREVENTATIVE CARE
Well Baby Care to Age 2	No Charge	No Charge	No Charge
Annual Well Woman Exams	No Charge	No Charge	No Charge
Adult & Pediatric Immunizations	No Charge	No Charge	$10 co-pay
IN-HOSPITAL SERVICES
Hospitalization	No Charge	No Charge	No Charge
Surgical Benefits	No Charge	No Charge	No Charge
Skilled Nursing Facility	No Charge	No Charge up to 100 days	No Charge up to 30 days
EMERGENCY SERVICES
Emergency Coverage	$50 co-pay; Waived if hospital admit	$50 co-pay; Waived if hospital admit	$50 co-pay
Ambulance Services	$50 co-pay	$50 co-pay	$25 co-pay
OTHER COVERAGE & SERVICES
Durable Medical Equipment	100% to $4,000, 50% thereafter	No Charge	No Charge
Home Health Services	$25 co-pay	No Charge	$10 co-pay
Sterilization Male (Vasectomy) Female (Tubal Litigation)	$75 co-pay $100 co-pay	$10 co-pay $10 co-pay	$100 co-pay $100 co-pay
Infertility Studies	50% of allowed charges	$10 co-pay per visit	50% of allowed charges
Health Education	No Charge	$10 co-pay per visit	No Charge
Alcohol & Drug Abuse-Detox Out Patient In Patient	$50 co-pay/Visit No Charge	$10 co-pay/Visit No Charge	$10 co-pay/Visit No Charge
Mental Health Services In Patient Hospital Outpatient	No Charge $50 co-pay per visit; max 20 visits per year	No Charge $20 co-pay per visit; max 30 visit per year	No Charge $25 co-pay per visit; max 20 visits per year
PRESCRIPTION COVERAGE	$5 Generic $10 Brand	$10 Generic $10 Brand	$5 Generic $5 Brand