Page 15 - 2018 Insurance Book

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%

13

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