Page 15 - 2018 Insurance Book
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ILFI Trust










 ILFI Trust  2
 2018018

 Illinois League of Financial Institutions Trust (ILFI)
 Illinois League of Financial Institutions Trust (ILFI)
 P Plan Options Rates - Effective 1/1/2018lan Options Rates - Effective 1/1/2018
 BCBSIL Option 1  BCBSIL Option 2  BCBSIL Option 3  BCBSIL Option 4  BCBSIL Option 5   BCBSIL Option 6  BCBSIL Option 7   BCBSIL Option 8
 Plan Name  Platinum  Gold  Silver  Silver  Silver  Silver    Bronze                    Silver
 Product  BCBS  BCBS  BCBS  BCBS  BCBS  BCBS                   BCBS                      BCBS
 Option  PA3147  PA3150  PA3151  PA3152  PA3154  PA3156      PA3160                    PB2077
 Plan Offering
 HRA or HSA  No  No  No  No  No      HSA                       HSA                       HSA
 Benefits*  Network Single/Family  Network Single/Family  Network Single/Family  Network Single/Family  Network Single/Family  Network Single/Family  Network Single/Family  Network Single/Family
 Office Copay (PCP/SPC)  PCP $20, SPC $40  PCP $20, SPC $40  PCP $30, SPC $50  PCP $30, SPC $50  PCP $20, SPC $40  PCP N/A, SPC N/A  PCP N/A, SPC N/A  PCP N/A, SPC N/A
 Hospital Copays  NA  NA  NA  NA  NA  NA                        NA                       NA
 UC/ER/Major Diag Copay  ER $150  ER $150  ER $150  ER 150  ER $150  ER N/A  ER N/A     ER N/A
 Other
 Deductible  $250/$750  $500/$1500  $1000/$3000  $1500/$4500  $3500/$10200   $2500/$5000 (Non-Emb)  $6000/$12700 (Emb)  $2700/$5400 (Emb)
 Coinsurance  80%  80%  80%  80%  80%  100%                   100%                      100%
 Out-of-Pocket  $1250/$3750  $2500/$7500  $4000/$10200  $4500/$10200  $5500/$10200  $2500/$5000  $6000/$12700  $2700/$5400
 Pharmacy  $15/30/50; 2x for M.O.  $10/40/60; 2x M.O.  $10/40/60; 2x M.O.  $8/35/75/150; 2x M.O.  $10/40/60; 2x M.O.  subject to deduct/coinsurance  subject to deduct/coinsurance subject to deduct/coinsurance
 Pharmacy Out-of-Pocket  $1000/$3000  $1000/$3000  $1000/$3000  $1000/$3000  $1000/$3000
 Out of Network Single/Family Out of Network Single/Family Out of Network Single/Family Out of Network Single/Family Out of Network Single/Family  Out of Network Single/Family  Out of Network Single/Family  Out of Network Single/Family
 Deductible  $500/$1500  $1000/$3000  $2000/$6000  $3000/$9000  $7000/$21000   $5000/$10000 (Non-Emb)  $12000/$25400 (Emb)  $5400/$10800 (Emb)
 Coinsurance  60%  60%  60%  60%  60%  80%                    100%                       80%
 Out of Pocket  $2500/$7500  $5000/$15000  $8000/$20400  $9000/$20400  $11000/$20400  $5000/$10000  $12000/$25400  $10800/$21600  Health Insurance Partner
 Enrollment
 Rates  Rates  Rates  Rates  Rates   Rates                    Rates                     Rates
 Active Rates  Proposed  Proposed  Proposed  Proposed  Proposed  Proposed  Proposed    Proposed
 Employee  $804.07  $773.51  $734.66  $724.36  $686.99  $714.01  $588.27               $703.88
 Employee + Spouse  $1,615.47  $1,552.50  $1,472.46  $1,451.26  $1,374.22  $1,429.93  $1,170.81  $1,409.07
 Employee + Child(ren)  $1,335.18  $1,285.29  $1,200.15  $1,182.73  $1,136.82  $1,182.61  $969.56  $1,165.46
 Employee + Family  $2,294.13  $2,204.06  $2,059.21  $2,028.91  $1,949.01  $2,028.70  $1,658.03  $1,998.85
 Rates  Rates  Rates  Rates  Rates   Rates                    Rates                     Rates
 Medicare Rates  Proposed  Proposed  Proposed  Proposed  Proposed  Proposed  Proposed  Proposed
 Employee  $656.52  $631.86  $592.20  $583.90  $562.03  $583.84  $482.34               $575.67
 Employee + Spouse  $1,305.67  $1,238.06  $1,111.81  $1,095.72  $1,053.68  $1,156.57  $948.37  $1,139.81


 HEALTH PLAN RATE CHANGE HISTORY FOR THE ILFI TRUST
 Average Increase 7.3%

 HEALTH PLAN RATE CHANGE HISTORY FOR THE ILFI TRUST
 Year            Rate Change  Year            Rate Change  Year        Rate Change
 2007                10.5%    2011                   1.5%    2015            12.5%
 2008                25.0%    2012                   -3.6%  Average Increase   7 .3%
                             2016            5.8%
 2009                4.2%    2013                  6.9%  Year  Rate Change  Year  Rate Change
                             2017            8.4%
 2010                7.5%    2014                   14.9%    2018            -5.8%
  2011  . . . . . . . . . . . . 1 .5%                        2015  . . . . . . . . . . . 12 .5%
  2012  . . . . . . . . . . .  . -3 .6%                      2016  . . . . . . . . . . . . 5 .8%
 Note:  This summaery provides only the highlights of the various programs.  Specific details on each program are contained in the master policy issued to the group.
  2013  . . . . . . . . . . . . 6 .9%                        2017  . . . . . . . . . . . . 8 .4%
  2014  . . . . . . . . . . . 14 .9%                         2018  . . . . . . . . . . .  . -5 .8%



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                                                         Revised on April 15, 2015                                                                                                            Revised on April 15, 2015
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