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HomeMy WebLinkAbout1999 11-30 /' .. . .. MERIDIAN CITY COUNCIL AGENDA TUESDAY, NOVEMBER 30, 1999 6:30 PM CITY COUNCIL CHAMBERS ROLL CALL: x X X X X RON ANDERSON GLENN BENTLEY arrived at 6:50 pm KEITH BIRD CHARLIE ROUNTREE MAYOR ROBERT CORRIE AGENDA 1. EMPLOYEE INSURANCE BENEFIT PACKAGE RECOMMENDATION: APPROVED RECOMMENDATION FROM SEABURY & SMITH PROPOSED LAND PURCHASE FOR FUTURE POLICE STATION: APPROVED PURCHASE OF 10+/- ACRES AT $1.85 PER SQUARE FOOT 2. . , ",-. MERIDIAN CITY COUNCIL SPECIAL MEETING NOVEMBER 30.1999 The Special Meeting of the Meridian City Council was called to order at 6:30 p.m. on November 30, 1999 by Mayor Robert Corrie. MEMBERS PRESENT: ROBERT CORRIE, RON ANDERSON, KEITH BIRD. OTHERS PRESENT: GARY SMITH, BILL GIGRAY, TAMMY deWEERD, CHERIE McCANDLESS, BILL GORDON, PAULINE SKEGGS, TRISH COBA. Corrie: I'll open the Meridian City Council on November the 30th, 1999 at 6:30 p.m. Council's going to meet for the following employee benefits package for insurance benefits and possible land purchase. At this time, Pauline, I'll have you start with the employee benefit package. You and Trish can (inaudible). Skeggs: Mayor and Council members, Trish Coba who is our broker from Seabury & Smith is here to do a presentation. She had met with the Benefits Committee in regard to our insurance renewal. We've made some recommendations to you that you should have received a packet which will include the renewal process and also the preferred Blue Provider Book from Blue Cross and a PPO directory from Blue Cross. Trish will go over the renewal with you. Coba: Mayor and City Council, enclosed in your packet are several items. I'll just go through them. Of course, the cover sheet, you have our written recommendation of what we did. We were asked to go out into the marketplace to obtain competitive bids. Of the carriers that we asked to quote, two declined to quote: Primary Health and The Principle. We did get competitive quotes from Blue Cross and Regence Blue Shield. The renewal for Regence came in at 10.7 percent which is underneath the renewal cap that Regence had guaranteed you last year at this time. Blue Cross came in with their renewal and offered several choices to you. One choice is the traditional plan or what we call an indemnity plan with a deductible and co-insurance, and the second option \M>uld be their PPO plan. In addition to that, the third option, you had the dual choice. You could accept both plans. In looking at that, we looked at what are the financial advantages to you, the City, in moving over to Blue Cross. Under the traditional plan, the City actually could save quite a bit of money up to about $35,000 a year in just if everybody went to the traditional plan alone which is a substantial savings to you. In addition to that, if you went to just the PPO plan, there was even a greater savings. It was 23 percent or about $80,000. What we recommended that you do is accept a dual option plan, offer both benefits to the City employees and with statistical information and that 50 percent of the enrollment will go to both plans, you still could save quite a bit of money. But, being conservative, one of the things that we wanted to do is tell you what would the worse case scenario if you just took the traditional plan. That savings, of course, is stated to you in not only the cover letter, but in the exhibits. So if I go Meridian City counclpecial Meeting November 30, 1999 Page 2 , forward into your packet, the first exhibit that you have is where Regence came in with the renewal. That is where the page in there - the comparison. Yeah. Again, that is our traditional indemnity plan, and the rates are at the bottom reflecting the 10.7 percent increase for the renewal. There are no coverage differences there. They're just the straight plan, the same plan renewing. In the second page, we are showing you the traditional plan and the PPO together, combined. Now, these choices are options individually as well as combined. As you can see on the Blue Cross traditional plan design, it's a $500 deductible plan just like what you've got currently with Regence Blue Shield, $1000 out of pocket. As you go down that line item, you can see what the monthly premium at $28,000 with your current enrollment with a total annual premium of $346,875 representing a 1.42 percent increase over where you currently are with Regence today. To the right-hand side is Blue Cross' option for the PPO design. The PPO plan has, again, the $500 deductible. The significance of this is that it doesn't have an office co-pay. The office co-pay is a $20 co-pay, and that can be used at the point of service whether you go into a primary care physician or in a specialty physician. Benefits in that were co-paid at 90 percent out of network are penalized at 70 percent. The total monthly premium for that plan design is $24,000 making an annual premium of $291,439 or 14 percent decrease over your current. It's actually a 24 percent savings over the renewal. The next illustration actually demonstrates what the savings potential could be that if the City offered both plans to its employees with enrollment being equally divided between the two plans. Over in the far, right-hand corner, that is illustrated a monthly premium of $26,582 with the annual premium being of $318,985 for a 6.74 percent savings over your current. Questions this far? Anderson: I have one. When you talked about a 50 percent enrollment in each, has that traditionally been what you've seen is that the employees will pretty much split SO/50 on what they want to enroll in? Coba: Over the course of time, yes. Over the course of time, you will see 50 percent enrollment going to both plans. Initially, it might be all the healthy ones going to the PPO because the perceive it as being a health-type plan, and the unhealthy ones stay in the traditional plan. Over the course of time, people generally understand both plans equally, and about 50 percent will go to both plans. Anderson: Then I guess a follow-up question, it would seem to me as much as employees talk back and forth within various departments that it would cause considerable amount of confusion about coverages and benefits and things like that because one guy might be under this plan, and the next might be under that plan, and just the interaction amongst co-workers talking about their plans, it's very difficult, I think, for a lot of the employees to understand their benefit packages as it is. It seems like that would just cause a lot of confusion. Has that Meric;iian City counclpeCial Meeting November 30, 1999 Page 3 . been the experience in - do you know of anybody else that's done these divided ~~~ . Coba: Yeah. Typically what the conversations migrate to are instead of how do you like about our health insurance to are you on the co-pay plan or are you on the deductible. I mean, that's - the first question is which plan are you on, and then after you've qualified that question, then the details come in. We have a dual-option within our own company. Several of my clients have dual-options. They haven't been very popular in this area because, number one, the carriers haven't allowed them to happen in the past. That's happening as we are entering into more and more managed care in our marketplace. It's typical that you see more than one plan in larger companies, which, by the way, you're getting to be large, very large employer. Any other questions? Okay. Behind that are the declinations that we received and the responses that we received because one of the things that we did was that during the process, we went back to Regence Blue Shield and said we did get a competitive quote, and without disclosing what those rates are, we gave them the opportunity to sharpen their pencil. Knowing that they have been with you for a year and the opportunity to renew. The letter that you are seeing in your packet reflects their decision to hold firm on the renewal. In addition to that, you have their renewal rates. Then following that are the declinations from Primary Health and the Principle which are the other lenders that we did ask to quote, but declined to quote because of competitiveness. Now, our other recommendation is that the City has always wanted to implement another benefit, and that has been short-term disability. We have discussed that in detail throughout the year. This is something that's been on the table. With this savings, you could implement that benefit and pay for it from the City savings and still save approximately $1400 a month or $17,000 a year. Bird: Mr. Mayor. Corrie: Mr. Bird. Bird: Trish, what kind of short-term disability is that? I mean, what's the short- term? Six months? Coba: It goes for 90 days. It integrates with your long-term policy. Bird: What is the benefits on it? Coba: The benefits are illustrated - Let's go to the last page, I believe, in your booklet. That - what we were recommending is in the far, right-hand corner, the Unum (sic) policy, Option No.2, which states that it's a 60 percent income replacement. Are you finding it? Bird: No. Meridian City counclpecial Meeting November 30, 1999 Page 4 . Corrie: Very last page. Bird: Okay. I got it now. Coba: Okay. So the very far-right column, the Unum option No.2, 60 percent of a weekly benefit income replacement with a maximum weekly benefit of $1,000. So if somebody salary, if they være making more than 60 percent of their weekly salary, \M)uld be cut back to $1,000. Benefits start on the 15th day, there is no elimination period of 15 days for both sickness and for accidents or injuries. The duration of the benefit is 11 væeks which immediately after the 11 weeks, your long-term disability starts. The rate guarantee is a two-year rate guarantee. Bird: Thank you, Trish. Coba: Now, the other benefits that we looked at renewal were the employee assistance program, your current vendor, Business lcology (sic), still offers the most competitive quote, and we are recommending to renew with them- The vision, VSP is still offering you the best benefit and cost. That benefit has increased, and that will be the part of the process that if you move to Blue Cross, we would have to re-enroll with VSP. Any questions? Corrie: None? Bird: I have none. Anderson: I have one, Mr. Mayor. Corrie: Okay. Mr. Anderson. Anderson: Last year, we had asked for the first year we signed up with Regence, we'd asked them a quote for the second year and a cap on that. Did you do that with Blue Cross? Coba: Yes. We did ask that of Blue Cross, and yes, there is a cap of 12 percent for the second-year renewal. Corrie: Any other questions? Okay. Bird: I have none. Corrie: Trish. Coba: Thank you, Mayor, Council. Meridian City counclpecial Meeting November 30, 1999 Page 5 . Bird: Mr. Mayor. Corrie: Mr. Bird. Bird: I have a question for - I see we have one, two, four of you from the Committee. What is your thoughts on which way We should go? Corrie: Did you get that letter to them? They all signed it? Bird: Yes, it's right there, Mayor. Corrie: Oh. Okay. That's - I didn't get it. Okay. Anybody that's on the Committee want to - Gary, any (inaudible) what you had on the letter? Okay. Pauline was there. Bird: Any concerns, disagreements, good bad or indifferent? Smith: Mr. Mayor and Council, I think the Committee felt that the proposal as Trish outlined it to you was very acceptable to us as a Committee, and particularly attractive was the addition of the short-term disability. We'd had some discussions about the viability of the sick-leave pool. This would help in that regard to have a short-term disability available. I don't think we had any other comments. Bird: And you like the dual-option program? The Committee did? Smith: Yes, we did. It will give the employees a flexibility to pick one of those, and I believe that Trish mentioned at our meeting that you could, an employee could change once each year if they chose to. Bird: Thank you. Corrie: Trish, I had a question. On the PPO, the St. Luke's is the hospital of Blue Cross. What if they go to St. AI's? What's the difference or what do we do if we're on the PPO rather than the preferred Blue? Coba: Okay. Good question. Under the PPO plan design, the preferred hospital is St. Luke's. If in fact you go to St. Alphonses, it is an out-of-network charge except for trauma. A life-threatening condition or trauma. That is clearly identified by the plan that it is something that is life threatening, taken by air flight, ambulance and life-threatening, going to St. AI's would be treated as in-patient or in-network. Okay? All right? They will, and I heard your comment that - I want to be real clear is that person will be treated, stabilized and more than likely moved over to Luke's. Meridian City coun~pecial Meeting November 30, 1999 Page 6 . Anderson: They have to be transported? We had a case 'Nhere we had one of our employees drive himself to the hospital having chest pains, and it wasn't a hospital that was under compliance, so that's kind of - want to cover hospital charges because he was close to that hospital, he figured, I'm going to get to the closest hospital, and it didn't turn out to be life threatening- So - it wasn't a trauma. Coba: Yeah. That is a communication thing that has to be clear. We discussed that in the Committee that we 'NOuld be real clear in those circumstances that that 'NOuldn't be life threatening, and yes, that would be paid out-of-network. Corrie: You all understand what out-of-network means? Bird: No. Explain it to me. Coba: Out-of-network means that it would not be paid. It \M>uld still be subject to the deductible, but it \NOuld not be paid at the 90/10 co-insurance. It \M>uld be paid at the 70/30. Bird: 70/30. Okay. That's what I thought it was, but I just wanted to hear - no problem. Corrie: Okay. Thank you, Trish. Coba: Thank you, Mayor and Council. The reason that we did it tonight was so we could have time to decide the change. We can do the employees - sign the cards and make sure it goes smoothly the transition. Mr. Rountree. Rountree: Mr. Mayor, I would move that we adopt the health insurance and short-term disability plan as recommended by the Benefits Committee and presume that (inaudible). Bird: Second. Corrie: Okay. Motion has been made and seconded that we accept the plan that was presented with the short-term disability and Blue Cross. Is that with the dual-option? Rountree: With the dual-option, yes. Corrie: Further discussion? Hearing none, all those in favor of the motion say aye. MOTION CARRIED: THREE AYES, ONE NAY Meridian City count Special Meeting November 30, 1999 Page 7 . Corrie: The next item is the land purchase. Chief, do you want to say anything before we - I think we've all discussed this at one time. Council, have any questions in reference to this? Maybe we just make sure (inaudible) - Gordon: We've got Dave Williams, the realtor handling the properties here. Maybe he could - (inaudible). Nothing's changed. Bird: I've got a question on this, and this has been brought up by - Corrie: Okay, Mr. Bird. Bird: -- some Councilmen coming in. What is that zoned out there right now? It's zoned residential, isn't it? Gordon: Single-family residential. Bird: Single-family residential. What does single-family residential selling for now by the acre? Gordon: Oh, I wouldn't even want to guess. Dave? Bird: Dave can tell us. Williams: $25,000. Corrie: $25,000 an acre? Okay. Mr. Rountree. Rountree: I really have no questions. I have some comments. Corrie: You have a comment? No questions? Anderson: Did we ever research the cost of going all the way to Locust Grove and we had talked about the possibility of a land exchange for right-of-way with Ada County Highway District? Was that option explored? Gordon: Not with me. Corrie: Let's have Dave come up. Williams: Mayor Corrie, City Council members, my name's Dave Williams of Diamond Properties. I'm a broker for the State of Idaho. I represent Howell Murdoch Development Corporation; they 0'Ml the 20 acres that consists of the ten acres that Mayor Corrie is interested in for the City Police Department. We presently are under platting for the 15 acres contiguous to the west that abuts Stratford, and we're going before City Council, I believe, December th, the final Meridian City count Special Meeting November 30, 1999 Page 8 8 plat approval. Upon that final plat approval, we will, as soon as we receive from the engineers, et cetera, our platting map. We will be extending Water Tower to the east from Stratford to and contiguous to the ten-acre parcel that you folks are interested in. Eventually, that will continue on to Locust Grove. Presently, the ten acres being a part of 20-acre parcel that goes all the way to Locust Grove is not in the city limits; however, the 15 acres we are developing, of course, is in the city limits. We are contiguous, before you develop your portion of that property, if you were to purchase it, you would need to annex it which we would also go ahead and annex the balance of the ten acres. According to Shari Stiles, this area has been indicated to in the new Camp Plan, fall under commercial designation, not an R-G or residential designation. That, of course, is why that land price. We were approached as to whether or not we'd be interested in selling the ten-acre parcel, and offered it at $1.85 a square foot. I've been informed that if City doesn't buy it, I'm to put it on the market for $2.25 a square foot. The 15-acre parcel we will be developing into one-acre lots, and those will be priced at $3.50 a square foot. I believe that the $1.85 a square foot is a very fair price. I'm surprised they're willing to sell it at that other than the fact that I do know that they have another place on a residential development that they want to invest these monies. As far as any other questions, I think somebody mentioned something to the effect of å trade on ACHD, and I assume that is a trade to gain easement for the expansion of Locust Grove. Anderson: Let me ask you my original question so you could answer that just straight forward. When we revie'N8d the piece of property, it looked like it would be a small strip of land left betvveen the piece of property that we would be purchasing and Locust Grove. Our question was what would the price be of that additional section of ground and then just purchase the entire section all the way to Locust Grove and then that way we could possibly trade part of the right-of- way on that to Ada County Highway District and help to get an overpass put over Locust Grove? Williams: I see. I understand your question now. There's - there would be approximately 313 feet to Locust Grove, and it's my understanding that the owner does not want to sell that They wanted that frontage on Locust Grove. I can certainly ask them that question if they would be willing to consider a sale. Bird: 313 by what? Williams: It would be 313 by 430. Bird: 430? Williams: Uh-huh. Bird: Mr. Mayor. Meridian City counc~pecial Meeting November 30,1999 Page 9 8 Corrie: Mr. Bird. Bird: Dave, we'd also discussed at one time, if we purchase this, we have talked to Ada County Highway District, and we're going to have to help get some right- of-way there if we want the overpass over Locust Grove which we feel is a very important necessity to get started. If by purchasing this, if we could get them to donate, sell cheap to us or something, 45 feet along the front there. That was what we had also discussed. We thought, Ron said, we'd discussed going on out and getting the whole thing. I can see right now we can't do that. There's too many square foot. Corrie: They don't (inaudible) not here anyway. Bird: They don't own the properties that go to Locust? Anderson: No- We don't. You had discussed extending that - (inaudible) Water Tower all the way through to Locust Grove. If we purchase this parcel of land, what will that do to the future plan and extension of that road? Will that make us responsible for half of that roadway going through there? Williams: That is correct. Corrie: So the property line will be in the middle of the street? Williams: Middle of the road. And they certainly, in the sale of the ten acres, would want an easement or half of the road on your ten-acre parcel. Anderson: And does this developer - when it's his plan for extending this road - Williams: Well, a lot of that will be determined by how quickly the Comp Plan gets put in place, and we are looking at coming in for annexation, and we're reviewing those thoughts and ideas right now. Certainly they would look to develop it very soon, particularly if they sell this ten-acre parcel to you folks. I imagine that we V\IOuld have to enter into some type of agreement on that extension of Water Tower. The Mayor and I have (inaudible) talked about maybe having a time period in mind; something under contract; whereas the owner would extend Water Tower through to Locust Grove at a (inaudible) time. Corrie: Any other questions? Mr. Rountree, you want to make a comment? Rountree: Yeah. One concern I had was the fact that it is zoned single-family residential at this point, then the County - if we were to purchase this county at the present time, we would also have to go through a Camp Plan amendment process or wait until such time as we had our Camp Plan revised and make sure that the Camp Plan would reflect that this area is something other than single- Meridian City coun'special Meeting November 30, 1999 Page 10 8 family residential. First issue. The second issue is just talking about, Ron was talking about, is we don't have anything definite in terms of development of the extension of Water Tower, and we haven't figured into the cost of this particular parcel our cost of providing half of a roadway and our cost of participating in the extension to the sewer and water, so those are additional costs that we 'MJuld have to factor into this particular purchase. I'm pointing those out so we don't forget these things. I know some people get the impression that I have it out for the police department, but I think that the Chief will reflect back about four years ago when he took me through the current building, my comment was you need a new building, you don't have anyplace to even hang guys on the wall let along have offices for them. I'm sympathetic with the need, but I'm looking at this a little closer because I think we got our track shoes on and got it going on a piece of property for the Fire Department a little too quick over there, and we've got ourselves trapped into some issues that are going to be fairly expensive to deal with. I don't want to get us unknowingly in this situation as this piece of property. I guess the last real issue I have is that in my mind, I'm not sure that this is the right location for community oriented public safety type building. Now I may be wrong, but I don't have any idea what's going to be built around that place. We're going to have one acre subdivision on either side of Water Tower coming up to this particular piece of property, and we're going to have one acre subdivision to the north of it. I guess I'm a bit uneasy of having this facility isolated in what could be a fairly heavy duty and not necessarily very aesthetic or enticing to the public to come to the police station. Just a concern. Something to think about. When we get down to the price per square foot, it's a great deal it seems for commercial property. It's not a terrific deal for single-family. Having said that, I don't know if there's any other comments or if anybody else has any thoughts on the property, but I just wanted to point those things out that I'd observed over the weeks of mulling over this particular piece of property and our action this evening or the near future on whether or not we acquire it. Corrie: All right. Anyone else? Anderson: Mr. Mayor. Corrie: Mr. Anderson. Anderson: I haven't really given much thought to the surrounding development. I've been thinking more about the size of the property and the cost per square foot, so I think maybe I'd like to hear from Chief Gordon on what your thoughts would be and how this would impact your facility if this all turned out to be commercial and warehouse type of businesses around there. Does that have an impact at all upon your facility? Gordon: No. In fact, that's the preferred location is strictly commercial. I think what we're going to see there is what we're already starting to see, and that's Meridian City count Special Meeting November 30, 1999 Page 11 8 Micron to the west, the computer outfit to the south, the Stonebridge is putting in smaller commercial buildings which are not really industrial, but they're more of daytime business type operations. In fact, we were just talking, Tammy wanted to know the same thing, and we don't fit in residential areas because we're not really good neighbors. We're pretty noisy. We test sirens all hours of the night, we usually get the clientele after the sun goes down, and the average person doesn't want their neighborhood. The recommended location is in commercial area, and that fits right there. The overpass gives us access, and here again, what you see now is just a field of stubble. In five to ten years, we're going to have access to Franklin off of Stonebridge. We're going to have access off of Locust Grove, we're going to have access across the road, and we're going to have access clear to East First Street. Unlike fire departments, we don't need, we don't respond from station, but I think it would be a good location for the services that we are going to provide and the walk-in traffic for law enforcement. There are better locations, I'm sure, but they're a heck of a lot more expensive, too. Ideal location would be - just checking to see if the press is here. I always get my foot in my mouth when they're around, but- Corrie: They're hiding somewhere. Gordon: Martin's here. Is tear the creameiy down and Zamzow's and put us right there. That'd be the ideal location. Just build up. I foresee that as a growth area, or the next block over. But how long is it going to take for that to be torn down, cleaned up, and then the cost, you know, nobody even knows what the cost is going to be there. I'm satisfied with the location, and some of the fringe benefits are the Department of Law Enforcement is right there. We do a lot of work with the lab, we do a lot of work with the training facility, and we'd have access to all of that. A lot of police departments now have to put in weight rooms, workout rooms and everything is right there. We've been using it since they went in. So we're getting a lot of benefits of being close. As far as the zoning, I think that'd be up to you guys in the Impact Area. That answer your question - Anderson: Yes. Thank you. Gordon: -- without going too far? Anderson: Just something with the guys named Bill, I guess. Bird: Mr. Mayor. Corrie: Mr. Bird. Bird: Chief, we would not have to put that road through to start with, put the building in, would we ? Meridian City coun'special Meeting November 30, 1999 Page 12 8 Gordon: No, sir. Bird: There would be no - Gordon: Just access through the parking lot would be enough for now. Here again, that would have to be approved through the Council, Planning and Zoning. Bird: (inaudible). I like the price of the land. This is a comment more than anything. I agree with Charlie on a lot of stuff. I don't know if that's the ideal location; I think it is. When Chief approached me, I asked him seeing how I'm not the law enforcement business and don't know where they want to run out of. I think that would be his primary place, but I think the price of the land - we can come downtown, I doubt if we can find anything, but by the time we get the dirty dirt cleaned up ready to build, we're probably looking at $12 to $13 a square foot if we can find that much land. We don't need ten acres to start with, but I think that down the road you will need ten acres. One of these days. Probably most of us in the room won't see it, but I think something we can plan ahead for, for once in our lives. In 1987 they thought this building would last for 50 years, but by having the area, we don't have to worry. We know that land is not going to go down unless there's a real bad fall in the economy, so as long as the police department thinks that is the location, the price of the land is as cheap as we found. Ron and I got real educated on prices of land when we looked for land for the fire station around this area. I think it's a decent buy if you guys - that's just my opinion. Corrie: Any other comments? Anderson: I have one additional comment. Corrie: Okay. Mr. Anderson. Anderson: I, too, think it's a good price in the land and listening to Chief Gordon's explanation; it sounds like it would be a fairly good location, very functional. I guess as kind of a side note, this is a pretty expensive piece of property, and not to get your hopes up too much or to burst your bubble, but there may not be money immediately to build the building, and so I think we are looking ahead, and we're probably going to find in favor of purchasing this land, but it may be a couple of years off before we find enough money to actually build the building, I guess, is in my mind. Gordon: We're on the fringe or on the border of another double-wide trailer, I wouldn't be opposed to putting it out on that farmland, but that's where we're at now. Our double-wide's full again, so - Bird: I don't think we can allow that. Meridian City coumlpeCial Meeting November 30, 1999 Page 13 8 Gordon: We can put the double-wides out there. Temporary facility. Corrie: Okay. Any other comments? Bird: Did you plan on passing, getting this done? Corrie: Yeah. That's why we had the meeting. Okay. I'll entertain a motion on the ten-acre site. Bird: Mr. Mayor. Corrie: Mr. Bird. Bird: I move that we purchase ten acres which is for 140,000 square feet at a buck 85 a square foot which comes to about $845,000, I believe. Corrie: $805,860. Bird: For future site of Meridian Police Department. Bentley: Second. Corrie: Okay. Motion to accept the ten acres at $805,860 or $1.85 a square foot on the Water Tower Road between Locust Grove and Stratford Drive. Any other discussion? Hearing none, we'll go roll-call vote on this; Mr. Anderson. Anderson: Aye. Corrie: Mr. Bentley. Bentley: Aye. Corrie: Mr. Bird. Bird: Aye. Corrie: Mr. Rountree. Rountree: Before I cast my vote, I just challenge the future Council people and the President Council people that will be going on in the future to continue to push for the Locust Grove overpass. Bird: We will. Bentley: Most definitely. Meridian City coun'special Meeting November 30,1999 Page 14 8 Rountree: And the extension of Water Tower as part of the acquisition of this particular piece of property. With that, I vote aye. MOTION CARRIED: ALL AYES Bird: Mr. Mayor. Corrie: Mr. Bird. Bird: One reply, you fight hard at the state level. Rountree: I think I got it started already. Corrie: I think it's started already. Okay. That concludes the special meeting of the City Council. I guess, Mr. Gigray, do we need to close this one and open up this for the 'M>rkshop? Gigray: Mr. Mayor, members of the Council, since it's been noticed that way, I suppose you could proceed in that fashion so it's clear under what agenda you're running under. Bird: Mr. Mayor. Corrie: Mr. Bird. Bird: I move that we close the special meeting. Bentley: Second. Corrie: Okay. Motion's made to close this special meeting at 7: 15. All those in favor say aye. Meridian City count Special Meeting November 30, 1999 Page 15 MOTION CARRIED: ALL AYES MEETING ADJOURNED AT 7:15 P.M. 8 (TAPE ON FILE OF THESE PROCEEDINGS) APPROVED - ATTEST: - ., .INTEROFFICE MEM<8 DATE: November 26, 1999 TO: City Council RE C E.I"V:B: D MERIO{AI'/ FROM: Renewal Committee AI 0 \' ~ I' 'QQC 11 ~.J U I",....,:;) RE: Benefit Changes CITY OF MERIDIAL\f CC: Ron Anderson, Glenn Bentley, Keith Bird, Charlie Rountree, Mayor Corrie The benefit renewal committee met with Trish Coba ÍÌom Seabury & Smith on Tuesday November 23rd to review the insurance renewal. The committee has reviewed, approved and is recommending the following changes to the City's benefit program effective January 1, 2000: 1. Change in health carriers ÍÌom Blue Shield to Blue Cross's dual option program, which means City employees have an option to enroll in Blue Cross's Traditional Plan or in their Preferred Blue Plan. (The rrrinimwn cost savings would be $31,760 AO per year if all employees chose the traditional plan). There could be a substantial savings to the City if employees enroll into the Preferred Plan. 2. Implementation of a short-term disability program. From the savings received in changing health carriers the City's implementation of a short-term disability program is at no additional cost to the City. Attached is a copy of the renewal information for your review. Trish ÍÌom Seabury & Smith will be here next Tuesday at 6:30 PM for the special meeting to answer any questions the council may have. //þ¿ /9 7 ¡ Date ;/-26-99 Date //-26 --1f Date Public Work Dir. ({.. U-r r Date ///¿i?/rý Dare I . . . . . . . . . . . . . . . . . t, . t . 8' .~ . t: t. t ,- .\ " . . . . . t. " t -. , t , . . . . . , , , , , '. ,,' - - -. - ~ . City of Meridian Renewal RECEIVED NOV 3 a 1999 CITY OF MERIDIAN Presented by Seabury & Smith Trish Coba Benefit Consultant November 1999 J . . . . . . . . . . . . . . . . . . . . . . . . , , . t , , , - , t t ) , , , , , ) . ~ !I !I , ~ ~ ~ ~ , . P.O. Box 8688 Boise, ID 83707 208.342-6573 Fax 208-338-6436 8 SEABURY & SMITH Insurançe Program Management November 23, 1999 Mayor Robert Corrie & Committee Members City of Meridian 33 East Idaho Meridian, ID 83642 Dear Mayor Corrie & Committee Members, At your request, Seabury & Smith went to market for the City of Meridian's group medical insurance. Our objective was to find a quality insurance plan for a reasonable cost. We had two carriers decline to quote because their rates were not competitive with the inforce rates for the City of Meridian. Those two carriers were Primary Health Care and Principal Financial Group. We also requested that Regence Blue Shield reduce their renewal increase of 10.7% but they held firm on their renewal increase. We have enclosed a copy of the declination letters from Primary Health Care, Principal Financial Group and the letter from Regence Blue Shield stating they are holding firm on their renewal rates. We have prepared a spreadsheet comparing the current and renewal rates from Regence Blue Shield to the rates from Blue Cross ofIdaho. Blue Cross ofIdaho is offering the City of Meridian a stand alone Traditional Plan or Preferred Blue Plan (PPO). You may also choose a "dual option" with Blue Cross of Idaho which means your employees would be able to decide if they would like to be covered under the Blue Cross Traditional Plan or the Preferred Blue Plan. Due to the cost savings and freedom of choice, we would recommend the City of Meridian move their group medical plan to Blue Cross of Idaho under the dual option plan. You would then need to move the GrÓup Vision plan to the VSP plan offered through Blue Cross of Idaho. Also enclosed please find the renewal rates for Business Psychology. Business Psychology is offering a zero increase at renewal. We also obtained a rate from VRI, which is more expensive, then Business Psychology. We would recommend renewing your policy with Business Psychology due to the cost savings. An MMC Company I . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . , , t , . . . þ .. . . . It . . t t - . Page 2 November 12, 1999 8 Included for consideration are the rates for a Short Term Disability plan for the employees of City of Meridian. At this time, we would recommend Unum (option 2) as your disability carrier. We have several accounts with Unum and have found them to be a reputable carrier and our accounts have been pleased with their service. The cost savings from changing medical carriers would be $31,760.40 per year (this figure is based on all employees enrolling in the traditional Blue Cross plan). Should the City of Meridian add Short Term Disability to their benefit package the City of Meridian would still obtain an annual savings of$16,385.76. We welcome your suggestions, comments and the direction you wish to lead us on behalf of the City of Meridian. It has always been our pleasure to service you and the employees of the City of Meridian. Sincerely, J rz Î.Sll.-> Trish Coba Consultant TC:dna Enclosures SEABURY & SMITH " ." -" '" '" ." ." " ., - "" ., .... ", '*' ., ., ., ., ., .. ,., " " " -. .. ...... "'...................... 8a1A... In-Network Office Co-Pay Individual Deductible Family Deductible Co-Insurance Individual Out-of-Pocket ER Co-Pay Hospital Co-Pay Specialist Office Visit Out-Patient Rehab Co-Pay Chiropractic Co-Pay Mental Health Co-Pay Prescription Drug Card Supplemental Accident Maternity Wellness Preview X-Ray & Lab Work Percentage of Payment RATES (medical only) Employee EmployeeJSpouse EmployeelFamily Employee/Child Employee/Children CITY OF MERIDIAN JANUARY 1,2000 RENEWAL RSS! RSSI CURRENT RENEWAL NM NM $500 $500 $1,000 $1,000 80%-20% 800/0-20% $1,500 $1 ,500 Plan pays 80% following the deductible Plan pays 80% following the deductible Plan pays 80% following the deductible Plan pays 80% following the deductible Plan pays 80% following the deductible Plan pays 80% following the deductible Plan pays 80% following the deductible, $800 Jimit per Plan pays 80% following the deduclible, $800 limit per occurrence per calendar year. occurrence per calendar year. Plan pays 80% following the deductible up to an annual Plan pays 80% following the deductible up to an annual maximum of $800. maximum of $800. Plan pays 80% up to 10 days per insured per calendar year Plan pays 80% up 10 10 days per insured per calendar year lor inpatient services. Plan pays 50% up to 18 visits per for inpatient services. Plan pays 50% up to 18 visits per insured per calendar year for outpatient services. insured per calendar year for outpatient services. $3 genericl$7 brand $3 genericl$7 brand Nooe Nooe Plan pays 80% alter deductible Plan pays 80% after deductible Routine physical examinations, laboratof}', x-ray charges, Routine physical examinations, laboratof}', x-ray charges, and well baby care subject to $125 calendar year maximum- and well baby care subject to $125 calendar year maximum- not subject to deductible and no coinsurance. not subject to deductible and no coinsurance. Yes Yes Plan pays 80% alter deductible Plan pays 80% after deductible Contracted with Physicians. Payment based on contracted Contracted with Physicians. Payment based on contracted amounts with network providers amounts with network providers ,8 8 $114.70 $248.90 $298.70 $168.70 $200.10 $127.00 $275.50 $330.70 $186.70 $221.50 TOTAL MONTHLY PREMIUM ANNUAL TOTAL % of increase over current Slue Cross will offer Traditional & Preferred Slue plan as stand alone product or as a dual option. Primary Health Care & Principal Financial Group declined to quote due to their rates were not competitive. $28,501.90 $342,022.80 $31,553.00 $378,636.00 10.70% , " " " ,I ., ., "'1 ., ., ." ,II 'II .11 ., ., II .. .. \II '. '. !, 'I 1# III III .. . \I' (. f. ,. ... . . . . . . . . . . . . . . . . . . ~ In-Network Office Co-Pay Individual Deductible Family Deductible Co-Insurance Individual Out~f-Pocket ER Co-Pay Hospital Co-Pay Specialist Office Visit Out-Patient Rehab Co-Pay Chiropractic Co-Pay Mental Health Co-Pay Prescription Drug Card Supplemental Accident Maternity Wellness Preview X-Ray & Lab Work Percentage of Payment RATES (medical only) Employee EmployeeJSpouse EmployeelFamily Employee/Child Employee/Children CITY OF MERIDIAN JANUARY 1, 2000 RENEWAL BCI-TRADITIONAl PLAN OPTION 1 N/A $500 $1,000 80%-20% $1,500 Plan pays 80% following the deductible Plan pays 80% foJlowing the deductible Plan pays 80% following the deductible Plan pays 80% following the deductible, $800 limit per occurrence per calendar year. Plan pays 80% following the deductible up to an annual maximum of $800. Plan pays 80% up to 8 days per insured per calendar year for inpatient services. Plan pays 50% up to $750 per calendar year for outpatient ~elVices. $3 genericl$7 brand $300 Plan pays 80% after deductible Routine physical examinations tor adults, children and well baby care subject to $125 calendar year maximum-not subject to deductible and no coinsurance. Yes Plan pays 80% after deductible Contracted with Physicians. Payment based on contracted amounts with network providers $115.55 $252.50 $303.30 $170.65 $202.75 BCI-PREFERRED BLUE OPTION 2 $20 (in network only) $500 $1,000 90%-10% (70%-30% out of network) $1,500 ($3,000 out of network) Plan pays 90% after deductible is met (70% out 01 network) Plan pays 90% after deductible (70% out of network) $20 copay (office copay in network only) 90%-10% after deductible, $800 calendar year maximum ( no out 01 network benelits) 90%-10% after deductible, $800 calendar year maximum ( plan pays 50% after deductible, $800 calendar year maximum oul-ot-network) Plan pays for 50% 01 covered services up to 8 days per calendar year tor inpatient services. 50% for covered services up to 20 visits per calendar year for outpatient services (no out of network benefits) $ 3 genericl$7 brand $300 Plan pays 90% aller deductible (70% after deductible-out of network) $20 copay lor periodic health examinatiOfls lor children and adults; no copayment for immunizations (no out of network benefits) ;8 Yes Plan pays 90% aller deductible (70% after deductible, out 01 network) Contracted with Physicians. Payment based on contracted amounts with network providers 8 $97.10 $212.20 $254.80 $143.35 $170.30 TOTAL MONTHLY PREMIUM $28,906.30 ANNUAL TOTAL $346,875.60 % of increase over current 1.42% Blue Cross will offer Traditional & Preferred Blue plan as stand alone product or as a dual option. Primary Health Care & Principal FInancial Group declined to quote due to tneir rates were not competitive. $24,286.65 $291,439.80 -14.79% ._--"~~~..__..__....................................~ CITY OF MERIDIAN JANUARY 1, 2000 RENEWAL SHOWING "DUAL" OPTION EXAMPLE: 50010 ENROLLED IN TRADITIONAL /50% ENROLLED IN PREFERRED BLUE BCt-TRADITIONAL PLAN - BCI-PREFERRED BLUE OPTION 1 OPTION 2 N/A $20 (in network only) $500 $500 $1,000 $1,000 80%-20% 90%-10% (700/0-30% out of network) $1 ,500 $1,500 ($3,000 out of network) Plan pays 80% following the deductible Plan pays 90% after deductible is mel (70% oul of network) Plan pays 80% lollowing the deductible Plan pays 90% alter deductible (70% out of network) Plan pays 80% following the deductible $20 copay (office copay in network only) Plan pays 80% following the deductible, $800 limit per 90%-10% after deductible, $800 calendar year maximum ( occurrence per calendar year. no out of network benefils) Plan pays 80% following the deductible up to an annual 90"10-10% after deductible, $800 calendar year maximum ( maximum of $800. plan pays 50% after deductible, $800 calendar year maximum out-ai-network) Plan pays for 50% of covered services up to 8 days per calendar year for inpatient services. 50% for covered services up to 20 visits per calendar year for outpati ent services (no out 01 network benefits) $ 3 generic/$7 brand $300 Plan pays 90% after deductible (70% after deductible-oul 01 network) $20 copay for periodic health examinations for children and adults; no copaymenl for immunizations (no out 01 network benefils) In-Network Office Co-Pay Individual Deductible Family Deductible Co-Insurance Individual Out-of-Pocket ER Co-Pay Hospital Co-Pay Specialist Office Visit Out-Patient Rehab Co-Pay Chiropractic Co-Pay Mental Health Co-Pay Prescription Drug Card Supplemental Accident Maternity Wellness Preview X-Ray & Lab Work Percentage of Payment RATES (medical only) Employee EmployeelSpouse EmployeelFamily Employee/Child Employee/Children Plan pays 80% up to 8 days per insured per calendar year for inpatient services. Plan pays 50,% up to $750 per calendar year for outpatient selVices. $3 generic/$7 brand $300 Plan pays 80% after deductible Routine physical examinations for adults, children and well baby care subject to $125 calendar year maximum-not subject to deductible and no coinsurance. Yes Plan pays 80% after deductible Contracted with Physicians. Payment based on contracted amounts with network providers $115.55 $252.50 $303.30 $170.65 $202.75 ;8 Yes Plan pays 90% after deductible (70% after deductible, out of network) Contracted with Physicians. Payment based on contracted amounts with network providers 8 $97.10 $212.20 $254.80 $143.35 $170.30 TOTAL MONTHLY PREMIUM $14,364.10 ANNUAL TOTAL $172,369.20 % of increase over current nla Blue Cross will offer Traditional & Preferred Blue plan as stand alone product or as a dual option. Primary Health Care & Principal Financial Group declined to quote due to their rates were not competitive. $12,218.05 $146,616.60 nla TOTALS: $26,582.15 $318,985.80 -6.74% I . . . . . . . . . . . . . . . . . . . , .. . . . . . , . . . . , , . . , , , , , \ , ) , , . , , , , . November1,1999 Denise Aguilar Seabury & Smith 225 North 9th, Suite 300 Boise, Idaho 83702 Re: City of Meridian Dear Denise: '- ~. "-',,-,flee . JfueShield of Idaho An ¡ndn""ndnnt Ii~n,'.., n(t¡,.IlI"" C""-,., nnd Ill". S¡,¡.!" A'_"';"""n 1408 West State Street. p.O. Box 2560 Boise. ID 8370 I . Tel (208) 336.2420 -9s- c 4tOp ~/ V .. ~ c 4t4tC '.? {9ga . " ~s. ~ 0/6""- .::::- We have reviewed your request for an adjustment in the proposed renewal rates effective January 1,2000 for the City of Meridian. The original renewal proposing a 10.7% increase to the CUITent rates will stand. I have enclosed a copy of my September 21, 1999 letter outlining the current rates as well as the proposed rates effective January 1,2000., ./ Please do not hesitate to contact me if you have any questions. / Sincerely, l'~' . . . . . . . . . . . . . . . . . . . . . , . . . . , . , . . , . , t ! ! ! ! ~ ~ t t ~ . . . . . . . 8 v 18ò..::nce BlueShield of Idaho September 21, 1999 -I~ i...I.,"'M",'Ii<'"~_,,('I! !>trh. 111". ("",.... "",ISI.", SJ.;.ld A.<""';"r~,. Pauline Skeggs Director of Human Resources City of Meridian 33 E. Idaho Avenue Meridian, Idaho 83642 1408 West State Street. P-O. 80)( 2560 Boise. !D 8370 f . T~l (208) 336-2420 Re: January 1,2000 Renewal Dear Pauline: This letter is regarding the January 1,2000 renewal for the City of Meridian. Based on the renewal calculations, we are requesting an increase of 1 0.7%. Effective January I, 2000 the renewal rates are as follows: Current Rates Renewal Rates COBRA Rates" Employee $114.70 $127.00 $129.54 EE & Spouse $248.90 $275.50 $281.01 EE & Family $298.70 $330.70 $337.31 EE & 1 Child $168.70 $186.70 $190.43 EE & Children S200.10 $221.50 $225.93 *COBRA rates noted are based on renewal rates effective January 1,2000. A copy of the renewal summary is enclosed. We would be happy to meet with you and your consultant at your convenience to discuss this infonnation in detail. Pauline, Regence BlueShield ofIdaho appreciates the opportunity to provide quality health Care coverage at an affordable price to the City of Meridian's employees and their dependents. We look forward to continuing our relationship well into the future. If you have any questions regarding this infonnation, or if I can be of further assis~ce, please do not hesitate to contact me at 333-7811. Sincerely, Kelly Torres Account Executive Cc: Trish Coba, Seabury & Smith Tracy Weir, Seabury & Smith ,. . . . . . . . . . . . . . 8 8, 8 . . . . . . , . . . ~ . . . . . . . ~ . . . . . . . .. ~ . .. . . . .00 PARK BOULEVARD. SUITE 760. BOISE. ID 83712.208/344-1811. FAX 208/344~4262 . . . Primary. Health .. 8 1)' ~ ~ ~ ~ ~ ~ \ ....- , J' L.. \ A ~ 'ß ë:& d Th ~ ~ PRIMARY HEAI.TH NETWORK. INC. October 29, 1999 Seabury & Smith Denise Aguilar PO Box 8688 Boise, 10 83707 Re: The City of Meridian Dear Denise: Thank you for the opportunity to provide rates for The City of Meridian. After reviewing this groups data. we are unable at this time, to offer any additional cost savings to their current fully insured rates; therefore, we are going to decline this quote. Primary Health appreciates your business and looks forward to working with you on future large group accounts. Please feel free to contact either Derek Stephenson at 333-1556, or myself at 433-4611, if you have any questions. Sincerely, /~Î , ~1.-W;:::t..4 Carrie Kriebs Client Service Representative cc: Derek Stéphenson I . . . . . . . . . . . . . . . . . . . , . .. .. .. .. . .. . . . . . . ., . .. .. .. . . . . , , , , , " . . . .. .----.- 8 t41OOl 8 DATE: October 29, t 999 TO: Denise Aguilar Seabury & Smith FROM: Amy Paulson Principal Financial Group One SW Columbia Suite 1170 Portland, OR 91258 RE: Cñ:y of Meridian Number of pages inc1ucling cover sheet: 1 PHONE; (208) 342-6573 FAX: (208) 338~64:;6 PHONE; (503) 228~9622 FAX: - (503) 273~9193 Dear Denise, Thank you for provicfing us the opportunity to furnish a proposal on the City of Meridian. However, at this rime we must decline to quote as we cannot provide you with a competitive proposal. Although we are unable to provide a quote at this time, please keep us in mind for any future group benefit needs. Please do not hesitate to let us know if you have any questions or need additional i.nfonnation. ....*..........*****...............................********.............*...........**.... This ra.." is intended only for the use at the individual entity to whiChll: is addressed and Dtay c:ont3in ÌDfonnatlan t.Ilat is prlv1leged, c:DJÚÏdcnfial :121d e.~mpl £rom disclosure UDder applicable law. If you are 110l tl1e intended L'eciþient, any åisscmiuation. distribution ar copying of this communication is strictly pccihibited. If you have rco:ivcd LIlis COIDInunication in cnw. ple.1SC notify us i.mmcdiately at (503) 223-9622 and mail the anginal [a:( to: Principal Financ:i3.1 Group, One SW Columbia,. SuilC 1170, Portland, OR 97258. We. will reimbwæ yoll fur the pom~ f' . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . » » . » ) . . . . . . .. » » . Blue Cros. of Idaho Trish Coba Seabury & Smith PO Box 8688 Boise, ID 83707 Dear Trish: +.tl 8 October 28, 1999 RE: City of Meridian Proposal Blue Cross of Idaho (BCI) is pleased to respond to your request for proposal (RFP) for the City of Meridian Employee benefit program beginning January 1,2000. We are quoting their current traditional benefit program, as we were requested in the RFP. Additionally, we are offering our Preferred Provider Organization (PPO) program as either a stand-alone employee benefit plan, or as a dual-option with the traditional medical program. We believe our proposal to be the most innovative and cost-effective proposal for the city and its employees. The rates and benefits we are quoting for the City of Meridian areas follows: Medical Benefits Deductible Coinsurance Out-of-Pocket Deductible Carryover Additional Accident Wellness Preview Rx Copay & Coinsurance Generic Required? Medica1/Rx: Single 2 Party Family Single + Child Single + Children Vision Plan 1: (Benefit Schedule enclosed) Single 2 Party Family Single + Child Single + Children Traditional PPO - $500 80% $1,500 No Yes Yes . Yes $3/$7 100% No $500 90/70 $1,500/$3,000 No Yes Yes Yes $5/$12 100% No $115.55 $252.50 $303.30 $170.65 $202.75 $ 97.10 $212.20 $254.80 $143.35 $170.30 $ 6.10 $ 9.30 $16.05 $ 9.30 $16.05 $ 6.10 $ 9.30 $16.05 $ 9.30 $16.05 An Independent Ljcefl$ee of the 811.!e Cre" and 81ue Shield ASSOCiation 3000 E. Pine Ave. . Meridian, Idaho 83642-5995 . (208) 345-4550 Mailing address: P.O. Box 7408 . Boise, Idaho 83701-1408 l . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . » » » » » » » . . . ... 8 --, , -, ' 8 City of Meridian October 28, 1999 Page 2 Our quote is based upon; . BCl being the only carrier. . Rates include 3% level commission. . BCl's standard contract being utilized. We appreciate this opportunity to quote the City of Meridian. Should you have any further questions, please contact Cathy Shandro at 331-7500, or myself at 3310-7208. Sincerely, Æ¿)~ bje Rex Warwick, CHC General Sales Manager Sales & Service Enclosure cc; Dick Annstrong Robert Witzel Cathy Shandro ---------.------------.--.-........................--- Vision Pian Design Exam Co-Pay Out-of-Pocket Co-Pay f(1f Materials lenses Single Bifocal Trifocal lenticular Progressive Contact lenses (in Ueu 01 eyeglasses) Frames Frequency Exam lenses Frames Enrollment RATES Employee EmployeelSpouse EmployeeJFamily Employee/ChJJd Empioyee/Children TOTAL MONTHLY PREMIUM VSP Provider $25.00 $25.00 CITY OF MERIDIAN JANUARY 1,2000 RENEWAL RBS VSP Pian- Current Non-VSP Provider Pay up 10 $20.00 (see below) Paid in Full Paid in Full Paid in FuJI Paid in Full No Coverage Necessary-paid in fulllEJectíve $105 Paid in Full up 10 a retail amJunt of $85-$105 1 exam and 1 pair of glasses or contacts every 12 months Pay up 10 $16.00 Pay up 10 $26.00 Pay up to $36.00 Pay up 10 $80.00 No Coverage Medically necessary $1 DO.OO/EJeclive pay up to $100.00 Pay up to $15.00 EnrolimerJt must mirror Ihe medical plan $5.95 $9.00 $15.50 $9.00 $15.05 $1,377.85 VSP Provider $25.00 $25.00 BCI VSP Pian Non-VSP Provider Pay up to $20.00 (see below) 8 Paid in Full Paid in Full Paid in Full Paid in Full No Coverage Necessary-paid in lulllEleclive $105 Paid in Full up 10 a retail amount of $85-$105 1 exam and 1 pair of glasses or contacts every 12 months Pay up to $ t6.00 Pay up 10 $26.00 Pay up to $36.00 Pay up to $80.00 No Coverage Medically necessary $100.00lEleclive pay up 10 $100.00 Pay up 10 $15.00 EnroJimenl must mirror the medical plan $6.10 $9.30 $16.05 $9.30 $16.05 8 $1,424.60 .----------------------.............................--- CITY OF MERIDIAN JANUARY 1,2000 RENEWAL EAP PROGRAM 1-4 visits per occurrence Rate Business Psychology Current Renewal $1.50 pepm $1.50 pepm VRI 1-4 visits per occurrence $2.26 pepm 8 Total Monthly Premium $ 178.50 $ 178.50 $ 268.94 8 ......................................................- City of Meridian Short Term Disability Options January 1 , 2000 Benefits MetLife MetLife Standard Standard Fortis Fortis UNUM UNUM Option 1 Option 2 Option 1 Option 2 Option 1 Option 2 Option 1 Option 2 Weekly Benefit 60% 60% 60% 60% 60% 60% 60% 60% 8 Maximum Wkly Benefit $1,000 $1,000 $500 $500 $1,000 $1,000 $1,000 $1,000 Benefits Commence Accident 1 st day 15th day 1 st day 15th day 1 st day 15th day 1 st day 15th day Sickness 8th day 15th day 8th day 15th day 8th day 15th day 8th day 15th day Benefit Duration 13 weeks 11 weeks 13 weeks 11 weeks 13 weeks 11 weeks 13 weeks 11 weeks Rate Guarantee 1 year 1 year. 1 year 1 year 1 year 1 year 2 years 2 years Rates $44,486.79 Rate per $1 0 $0.33 $0.25 $0.32 $0.23 $0.36 $0.28 $0.34 $0.288 Monthly Premium $1,468.06 $1,112.17 $1,423.58 $1,023.20 $1,601.52 $1,245.63 $1,530.35 $1,281.22 Annual Premium $17,616.77 $13,346.04 $17 ,082.93 $12,278.35 $19,218.29 $14,947.56 $18,364.15 $15,374.63 8 . . R,_'_bC)-- -, -':C,/- ~~:;-, -- '-,; ITY G l ~';,~L..D L-h' - ,,--,.., :~;:~;£;~':'- , .'" , , .. ..,', -,' -,",~, - ',' 'c",' _::;,~:~;,:,(::" , ~,:,::f'~~~~~';;t, -- """',,> " '-. .. : (;:!i: ,': '-- '"',",' '," --, '..', ""c- , "-=--' , ¡, ,<", "'\" , " 'ò'!...f:.;.' '--, .. '-, ' 'n' Blue Cross ~ of,Jdaho .. -- +.11-':: y"",~ ' All ¡"dep""denr Ucellsee of the Blu.. Cross and Blu.. Shi..¡d ASSociation ~ "',-"",- , ,,-- ,:":'~ J" '~- ,. ", ,~' - '"'~ " 8 Preferre~ Blue PrQgram ~ ~~~' ~: , What Is Preferred Blue? Preferred Blue is Blue Cross of Idaho's Preferred Provider Org:lI1iz;uion (PPO) he:J.!th c:J.re COverJ.ge. It ma.:<imizes consumer choice :J.~d tlexibilirv while delivering lower CO;t premiums lnd OUt-of-pocket expenses. . Preferred Blue he:lith care coverage provides enro!Iees treedom to se!ecr their own he:J.lth care providers by paying benefits tor covered services received trom both tn-network and out-of-network providers. At the same time, Preferred Blue enro!Iees can significandv reduce their om-of-pocket expenses bv seeking C:lre through the Preferred Blue network of health cJ.re providers. How Does Preferred Blue Work? Enro!Iees receive a significant savings on their out-of'pocket he:lith cJ.re expenses when they use in-network he:llth cJ.re providers (doCtors, hospi ~ t:lls, and other covered providers) trom the Preterred Blue network of con- tracting providers. In-network physician office visits require only a 520 copaymem; Preferred Blue pays the rest. vVellness :lnd preventive healch benefits are also aVJ.i1J.ble through in-network physicians tor a $20 copay- ment. Preterred Blue enrollees can choose to obtain covered he:lith care services OUt-or. netWork trom noncontracting providers at an v ome. However, services received oUtside Preferred Blue's network of providers are subject to higher enrollee coinsurance, deductibles, and our-of-pocket maximums. Enrollees may also be responsible tor provider ch:lrges chat exceed the maximum allowance. .-\5 Pn:terred Blue enrollees, your employees make the choice. Blue Cross ofIdaho will provide YOur employees with a direcrory of our Preferred Blue contracting providers. They m:J.Y use it co seleCt a COntract- ing provider when services are needed, or to determine the status of their current heJ.lth cJ.re providers. Our Preferred Blue provider network is grO\ving rapidly and more health care providers are J.dded to Our directOry every month. If your employees don't find their currem provider in Our directOry, they may Clll our Customer Services dep;:¡nmem to see if eh;:¡t provider was recemlv added. Blue Cross ofIdaho's Preferred Blue PPO m;lximizes consumer choice J.nci tlexibiliry while delivering [ower cosr premiums and lower our-of..pockee expenses. This brochure explains the benerirs tor covered services received trom both comrJ.cting and noncontracting providers, Please conr;lcr vour insurJ.nce represemJQve or a Blue Cross of IdJ.ho represenCJtÎve J.nd lee us show vou how Preferred Blue CJn work ror you J.nd your employees. 7 --'~, 8 Preferre~ Blue Benefits ~';$.'f'? - .:' . , ':'§'(..CQ!Jtlnued) '. ,~......_~ ",.- . . Ourpaoem physical therapy up to .'5800 per insured per calendar year. Multiple Deductible, Coinsurance, and Ou~o~PocketOpöons (continued) . Outpaoem speech therapy up to .'5800 per insured per c:.1lendJ.r yeJ.f. . .'\rtiíìciallimbs and eves. . Crurches, splints, braces, and similar appliances. . PurchJ.se or rental of mediC:.1l equipment wi-thin Blue Cross of Idaho guidelines. . TreJ.tmem of injuries to sound natural teeth within one year of the accident. . Radiaoon, cobalt, and chemother:.1py for the treJ.tmem of malignancies. . DiagnosTIc x-ray and laboratOry examinations, including mammograms. . Private duty skilled nursing services by a registered or licensed prJ.cocJ1 nurse within Blue Cross of Idaho guidelines, up to :55,000 per insured per calendar ye:.lr. . TreJ.tmem of obstetricJ1 conditions, including normal delivery and multiple births, tor the enrollee or enrolled dependent spouse when the maternity benefit oprion is purchased by the group. . Treatment of involuntary complicaoons of pregnancy tor the enrollee or enrolled dependent SpOuse. . In-hospital newborn care. . Hospice (no deductible or coinsurance required - see Hm-pice Beneftrs section). . Major organ transplants with prior Blue Cross of Idaho approval (see Organ and TÙsue Tram-plant Services section). . Blood transfusions and the COSt of commercial blood. . Drugs or medicines provided to an insured, who is an inpatient in a licensed generJ.1 hospit:.ll or other b.cility, that :Ire listed and accepted in the UnÙed States Pharmacopoeia, National Fonnulary., or &v[A Drug Evaluations published by the American Medic:J.l Association (.AJ.\tA). 3 Chiropractic Care Mental and Nervous Conditions, Alcoholism, or Substance Abuse Inpatient Physical Rehabilitation Care Services Organ and Tissue Transplant Services Hospice Benefits 8 Preferred Blue BeJlefits "<'+;rr,,;r ii' ., ed) , ,:",,~v>-!:,n nu , ~ -~~,..",;/ ,'("" : ' Once che annu;ll deductible is sacistìed, benetìts are paid as follows: In- Nenvorll - 90%, 80% or 70% of che m:1Ximum allowance (depending on (he coinsurance opcion) ror digible chiropr:lctic care services. Out-of- Nawor¡~ - 50% of the maximum allowance ror covered services ror chiropr:1ccic care obtained rrom a nonconcracting chiroprJ.ctic physician. Benefics ror Chiropraccic Care are limited co 5800 per insured per calendar year. In-Net1Vork ~ Benefits tor tre;J.tmem of mental and nervous condicions, alcoholism, or substJ ,;ce abuse are paid as tallows: . 50% of the maximum allO\V:J.nce tar covered services up co 8 days per insured per c:liendar year, tor inpaciem rehabilicacion services in a Contracting facility. . 50% of the maximum allow;J.nce ror covered services up to 20 visics per insured per ç:liendar ye3.r ror ourp3.tienc psychiatric rehabilitacion tJ.ciliry charges ;Ind protèssional provider services tor both outpaciem and inpatiem psychiatric rehabiliracion services. Ou-c-oj:Network - ~o benefits for menc:li and nervous condicions, :licoholism, or substance abuse ;Ire ;Ivaibble. In- Nenvork - 90%, 80% or 70% of the maximum allowance tor covered services (depending on the coinsurance option), when provided by a contracting provider, up to a litècime benefit limit of S 150,000 per insured. Our-of-Nenvork - No benefits tOf Inpaciem Physical Rehabilitacion Care Sc:rvices J.re available. In- Net1Vork - 90%, 80% or 70% of the maximum allowance tor covered services (depending on the coinsurance opcion). Out-of- Nen/lork - 70%, 60% or 50% of the m;L\:imum ;Illowance tor covered services (depending on the coinsurance option I. In- Na1Vork - Pre3.uthorized hospice benefits ror cerminally ill patients who have a litè expectancv of six months or less ;Ire paid ;1t 100% ot-' the maximum allow;1nce, up co a lifecime benefic limit of $5,000, when provided by a contracting hospice program. No deductible or coinsurance is required. Out-oj~Netl/l()rk - No benefits ror hospice services ;Ire ;Ivailable., - J;ffi 5 ~ Contracting Dentist Prq&féjm -- ~:;~:;~ -- - -; ;: Au dental coverage provided b~' Blue Cross of Idaho otTers COSt savings based on Our COntrJ.cring Dentist Prognm. ComrJ.cting denrists agree to recognize the maximum allowance as their maximum tee tor e/j¡rible services furnished co Blue Cross of Idaho insureds. Enrollees are~ responsible only tor any deductible (if applicabk), coinsurance, and noncovered amounts. They never pav amounts that exceed the ma.ximum allowance when the eligible service is furnished b~' a contracting denrisr. vVhen insureds receive covered dental services tram a noncomracring demise (a denrist who has not signed an agreemem wieh Blue Cross ~of Idaho), thev will be responsible tor any deduceible (if applic:lble), coinsur- ance amoune, and amOunts above the maximum illowance. Bllie Cross ofIdaho's dental progn.m provides co\'erage up to 51,000 in demJ.l (:lre services per insured per calendar yeJ.r. You may choose either the Deducrible Dennl Opoon or the Incentive Dental Option tor your group's coverage. L-\ summJ.ry of eJ.Ch option tallows. Boeh options are Blue Cross of Idaho Concracting Dentise programs. - - - ~~L.c"rZ~~.:':,>-~<--'!1."'~.;! "",~~"~~,--.....1,"~"",~~.--,"" --1 7 'Dental O~tions '.~r§/JJ tinue1J " ...~,.¡r;.r ,-' -.'; ~, Incentive Dental Option Summary Preventive C<lre Preventive and Basic Care Benefits Services include rourine dentJ.l (J.re, including enms, x-rJ.Ys, cie:mings, pJ.lliative tTe:Hmems, oral tissue biopsies, t1uoride I to :lge 23), :lnd space maimainers :lnd sealants tor certain teeth (for enrolled dependent children to age 16). Benefits are J.vaibble tor two orJ.l exams per insured per c::tlen- dar year. Basic C<lre Services include tì:equemly used services such :lS diagnostic CJ.StS, fillings :lnd pin retentions, simple extraCTIons, oral surgerv, roOt cJ.nal therapy, occlusal adjusunents, :lnd periodontal maimenance. The Incentive Dental Option pays accor'ding to the following: . Two oral exams per insured per CJ.lendar veJ.r. Benefit pJ.yments begin J.t ïO% of me maximum :lllO\v:lll(e. . The benefit paymem increJ.ses 10% eJ.ch (J.lendJ.r Ve:lf of enrollment up to 100% provided the insured receives covered services eJ.ch consecutive c:llendar vear. If J.n insured does not receive covered services in a given cal~ndar ye:1r, me benefit payment decreases 10% tor the next calendar year. . Payment tor covered Preventive and Basic services is never less than ïO% or che maximum allowance. Bc:nefit paymentS will never be more chan che ma.:x:imum allowance. The Incentive Dental Option pays 50% of the ma:x:imum allowance tor major care covered services, regardless of the "incel1Qve level" the insured has acrained. Major Care Benefits Services include prosmeric and restorarive cre:1tme ntS , including crowns and repair of crowns; bridgework and repair of bridgework; dc:ntures and repair, adjusunent, and relining of dencures; gold inlays and onlays; and CJ.St porcelain restorations. 9 8 8 ' Vision Care q~!?P~ I YOU ma~' choose trom chree levels ot'vision benenr options (Plan L Plan II, or Plan III) Jv::Ùbble chrough Vision Service Pbn (VSP). Phn benencs Jre Jv::Ùbbk once c:very 12 montÙJ J,nd are subjeCt co che Exc1zw'onJ' and LimZtaàonJ- section lisled at che end of chis summJ.rv. .-\0 eye exJ.mimtion will be paid in fÜll J.fcer che J.ppropriate copavmenc is ffiJ,de when you choose :l VSP pJ.rticipating provider. If you go CO J. provider nm affiliJ.ted with VSP, you will pJ.y che provider in full, then VSP will reimburse J. see J.ffiounc (listed below), depending upon me option chosen, QualifYing eyeglasses (consisting of a pair of lenses J,nd traffieS) or a pair of medically necessary coOCJ.ct lenses will be paid in full when vou go co a VSP participating provider. If you go co a provider nor affiliated with VSP, you will pay the provider in full, rhen VSP will reimburse you J. set J.mouQt (listed below), depending upon me option chosen, PLAN I PLAN" PLAN III Examination S25 copaymenr, 525 copaymenr, $10 copaymenr, .5 10 copa ymenr, VSP wiII pay VSP will chen VSP chen VSP \"ill then VSP wiII chen VSP will in full reimburse up will pay in reimburse up pay in fun reimburse up co $45 full (Q $20 co 540 Out-of-pocket $25 copaymenr, $25 copay-mem, .525 copaymenr, .525 copaymem, .'525 copavmenr, 525 copaymenr, copayment on then VS P then VS P will then VS P then VSP wiII then VSP chen VSP will materials will pay as reimburse up will pay as reimburse up wiII pay J,S reimburse up listed below: to the listed below: to the listed below: (Q me a!lowJ.Dces a!low;mces a!lowances listed below: listed below: lisced below: Lenses (pair) Single vision Paid in full $ 16 Paid in full 5 32 PJ.id in fun .'5 48 Bifocal PJ.id in full 5 26 PJ.id in full 5 52 Paid in full 5 65 Trifocal Paid in full $ 36 Paid tn full .'5 72 PJ.id in full 5 90 Lenticular PJ.id in full .5 80 PJ.id in full 5160 PJ.id in full 5160 Contact Lenses Medically Necessary Paid in full 5100 PJ.id in full .'5200 Paid in full 5250 Elective S 105 S .J,1 5105 $ 82 SUO .'5120 Frames LJrge S 15 LJ.rge 5 30 LJrgl: S 4,5 sdcl.:oon of sl::kcrion of sl::kccion of trJ.ml::s pJid ti-aml::s paid trafficS paid in full (585- in full 1585. in full (585. S 105 Jpprox. S 105 .1pproX. S 105 Jpprox. rl::tJ.i¡) retJ.il) retJ.il) --'"'.>~~i"--<I' ,."ti' ."',,- Nòn~Y;:)j~~!¡¡ "- ,,: 'Ñ'S - . =n~~~-~=,,' ~~. -~~ - LLuVI ", ,'"' ,- ,..4..o.:roVIu ~ ,,"'-~-'---,-,. ~".~". ----..----,- - - -- ---. ,- --u_"""-~ -,.-" 7 7 Preadmission Review Emergency Admission Review . C~st Contai~r,nt ] Preview ;\t Blue Cross ofIdaho, we've developed :In innovaTI\"e progrJ.m called PREVIEW th:lt saves vou monev without reducing bend'Ìcs or sacrificing qualiry of ueJ.UTIem: PREVIEW em help [0 scabŒíze health care premí~ms :lnd decre:lse he:llth care utilization patrerns bv encourJ.ging J wiser use of benefits. Pre:ldmission Review allows us to evalU::lte - bâore hospiealiz::lrion occurs - all elective medicJ.I and surgic::ll admissions to make sure your employees receive heJ.lth CJfe services in the most appropriare se::ting. The enrollees simply call us JS SOon as they know they or cheir enrolled digible depen- dem will be :ldmitted to the hospital. Blue Cross of Idaho's preview program is operJ.red by J highly skilled medical review scaff composed of very experienced physicians and registered nurses. Ie is provided as a part of the Preferred Blue program co help vou cOntlin your hellth care COSts. PREVIEW incorporates direct, posicive controls [0 determine how benefies Jre used. ..'vbny mediclI and surgical procedures previously performed only on an inpatient basis can now be safèly provided in a less costly, outpatiem setting or in a one-day surgical center. If an enrollee or enrolled eligible dependent has an unplanned Jdmission rar an emergency condicion or maternity delivery services, me enrollee muse call Blue Cross of Idaho within 24 hours, or berare me end of the next working day after the admission- The firse night's charges are ai1vayj- covered whether or not concinlled hospitalizlTIon is necessary. PREVIEW is one solucion to the problem of rising healm care cases. The program offers your company a chance [0 manage healrn care coverage COSts, Jvithout reducing benefits, by changing me way health Clre services are provided. It gives you and your covered employees the opportunity to actively participate in the management of YOur own health care. You will be contlining COSts and maximizing benefits. Maximum Allowance Blue Cross of Idaho's maximum allowJ.nce ror covered services is In example of our commirment co COSt conrlinmem. As insureds of Blue Cross of Idaho, when you or y-our employ-ees recei"e covered services tram conrraceing providers, vou Jre not responsible roc billed charges J.bove [he maximum J,llowance. You J.re on~v responsible ror appropriate deduccibles, copaymenrs, coinsurJ.nce, and J.ny charges tor noncovered services, 73 . Exclusions "nd Limitations , ::Ìi.CgnânUed) , '.- -"-'f":,r J." Exclusions and Limitations (continued) . DentJ.I cJ.re procedures, excepc J.S specificJ.lIy provided J.S J. covered service io che :vlaster Group Policy. . HeJ.riog èXJ.miOJ.tions or he;lriog J.ids. . Eye exJ.miOJ.tions or eyeglasses, excepc J.S specitìcJ.lly provided as a covered service to vour .vlaster Group Polic\'. . Rdr:1Ctive kerJ.ropbsty surgery done co correct neJ.rsightedness or reversals or revisions of this type of surgery. . Personal services or person:lI convenience items. . FoG( cJ.re (except certain joint, IigJ.ment, and bone surgeries). . Well-baby or well-child C3.re J.nd immunizations, except as specifically provided J.S J. covered service in the :\ibsrer Group Policv. . T re;ltmem tor infertility, J.nd tertilization procedures such J.S J.rtificîal insemin;loon. . Reversal of steriliz;ltion surgery. . T r:J.nssexu:J.1 surgery. . ,.-\mOUntS paid by another group progr:J.m that has primary responsibility tor p;lyment. . Surgery or complicacions trom surgery CO improve appear:mce, except tor accident3.l injuries, or tor congenitJ.1 J.bnormalicies of newborn children who have been concinuouslv enrolled since birth. . Tr<::J.tmem of obesity (induding surgery J.nd its complications). . Romine or periodic physic:J.l examinations, except as specifiC:llly provided as J. covered service in the Master Group Policy. . Operating rooms OUtside of J. hospicll or recognized J.mbularory surgicJ.l tàcîlity. . Orthognathic surgery or J.ny treatmem of cemporomandibubr (jaw hinge) joint (TMJ) svndrome. . Physicll fimess programs J.nd equipment. . CJ.re of pregnancv or complicJ.cions of pregnancy tor dependem children, unless the opcion is purchased by the group. . Elective ~lbon:ions. . Acupuncture. 75 Waiting P,Wiods ~~;~;: -~) : Excluding the sicuarioos lisœd below uoder Excepáom, Pretèrred Blue does 00( cover services furnished during the firs¡: 12 momhs tor anv preexisring condirion. ~ . .-\. preexisring condition is: . --\. condirion (whether physical or menral), regJ.rdless of the (J.use of the condition, tor which medicJl J.dvice, diJ.gnosis, cJ.re, or treannem was recommended or received during the six monrhs immediately preceding the enrollment date. A pregnancy exisring on the enroUment date is not a preexisting condition under the Masœr Group Policy- Exceptions Blue Cross of Idaho shail credit any qualifYing previous coverage w any preexisting condirion waiting period tor new enroUc:es ;lnd dependems. This provision only applies if mere was not more thJ.n J. 63-day lapse in health coverage - excluding any group probatioOJ.fv periods ~ prior w the effecTIve date of me new coverJ.ge. 77 Contribution Requirements 8 Ad mi ni steri n! Preferreq B I u e '::z:'-c.o,,:,tínue;1) " .;,:"'-;-"'.' ~',: - For Groups of 19 or Fewer Employees The minimum employer contribution [or employee coverage must be at le:lSt 50% of the emplovee's premium. For Groups of 20 to 50 Employees The minimum emplover contribution tor employee coverage must be at least 50% of the employee's premium and at least 50% of the combinacion of employee lnd dependent contribution percentage. There lre tWO conditions that must exist in order to have an acceptable contribution leve!: Condition One: Is me employer contribUtion for employee coverage at Ie:lst 50% of the employee's premium? Condition Two: Add the percentage paid of me employee's premium and the percentage paid for dependents and divide by cwo. Is the result 50% or gre:lter? F or Groups of 51 or lVlore Employees The employer must contribUte It least 50% of me employee's premium and the contriburion levels for the employee and dependents must add up to at least 100%, For example, you may contribute 100% of the employee premium; 50% of the employee premium and 50% of the dependent premium; or 75% of me employee premium :lnd 25% of the dependent premium. Any combination you choose must result in a minimum contribution requirement of 100%. Employers simply deduct the employee premium portion from payroll. To satisfY me enrollment requirement, at !east 75% of your employees nOt currently enrolled in a health insurance program must enroll in this program. You must also have It least 50% parricipation of all employees, eligible or nOL If you need further informacion, your 1gent or Blue Cross of Idaho repn:sentative wilt provide you with specific enrollment instrucrions lnd reqUIrements. 79 , -'--.~ '. -,' .:- :", -' :,-".- Dependent Eligibility Requirements (continued) When to Submit A Newly Hired Employee's Application for Coverage 8 Ad.. . 8 P t' B I ' mini sten n g re I err~ ,,' ~..J!~ ,~ -y,~, ~; For Groups of 51 ;U1d More Employees Employee's spouse is digible tor coverage- Dependent children who have never married are eligible tor coverage if: . Under age 23, . Medically certified as disabled due to a mental handiClp or physical handicap and financially dependent upon the emplovee for suppOrt, regardless of age. For other specific eligibility requirements, ple:lse ask vour Blue Cross of Idaho representative. When to Submit a New Enrollee Application Submit the new enrollee's completed :lpplication with the billing on which you want it to be included. For example, for a June 1 effective date of coverage, submit the application with the billing tor your group's June premium. Be sure to write the employee's name on the bill and to enclose the application and the appropriate premium. Probationary Periods At the initial enrollment period wim Blue Cross of Idaho, your group can establish any length of time up to 365 days tor its new enrollee probationary period. All effective dates of coverage fall on the first day of the month. The following illustrates effective dates for sample probationary periods: Zero Probationary Period: Hire date: Mav 15 Effective date: June 1 Hire date: June 1 EtTecrive dare: June 1 30- Day Probationary Period: Hire date: May 15 EtTecrive dare: July 1 Hire date: June 1 Effecrive datè: July 1 27 . f 8. . end DIsc osure ot RatIng PractIces a Guar~ees . ",-'$--... - ..C"'-"'~...' '-- -- Blue Cross of Idaho defines 1 "group" as 1 small employer group thlt qualifies ror coverage Ltnder Id;lho '5 SmaLl EmoLove1- HiaLth Insurance Availabzlirv Act (Title 41, Chaoter 47 Idaho Code). L . . L' P;-cmium .!.Tllt1;-a71tlo.e. 'vVe guarantee each group's inirial premiums tor the benefits selected tor 12 months rrom me effective dace of the group's cover::lge, ;lITer which we will give lt least 40 d;lVS notice of lny premium ch:mge. If your group chooses to nuke any benefit ch::lnges, your premiums may ch;lnge bJ.sed on the new benefits selected. .-\ny' new premiums apply tram the d;lte benefit changes begin. .-\n exception co the premium gu;lr::lntee m:J.y be m;¡de if J.nv st::lre or tèder:J.l bw unexpectedly incre;lses our J.dministr:ltive Casts or claims lilbilitv. We reserve the option to modify our renewal practices wimin the guiddines ot'the bw. How premiZt111S al-e set. Several tàcrors go into the determinlrion of your group's premium. The effècrive date of coverage, the pbn of benefits chosen, and me demogrJ.phic composition of your group deeermine the index r:1te. .-\ll groups "vith the S::lme etfective dace ;lnd other characteristics will have the: same index r::lee. The index rate is then ;ldjusted tor your group's urilization pattern. Utilization panerns may cause the inicial premiums to be set lnywhae from 25% above co 25% below the index r::lte. At renewal time, no more than ;l 15% premium increase will be given due co changes in utilizacion or health st:J.rus. The remaining porcion of :my premium increase will be due co changes in benefit design, the demographic composition of your group, J.nd the overall change in me new business rate since the dfeCtive date of your premiums. Covel-age Ù _quaranteed ¡-e11Cwable, Jvith cel-tain exceptions. No group's coverage will be terminated because of claims utilizacion or any particular medical condition. Cover::lge is guaranteed renewable except: in me ro!lowing uses: . Nonpayment of the required premium; . Fraud or intencional misrepresent::ltion of material tàct by me small employer; . Noncompliance with our minimum participation requirements; . Noncompliance willi our minimum contribution' requirements; . Blue Cross of Idaho elects to nonrenew all of its healm benefit plans delivered or issued tor delivery to small employers in this stare; . Your group no longer qualifies tor coverage under me Small EmpLoyer Health Insurance Availability Act; . The directOr finds that me continuation of the coverage would: - nOt be in the best interests of the policyholders or certificate holders; or - impair the carrier's ability to meet its contractual obligations. P;-eexÙÚ115 condition waiting pe¡-£od. If;l group's employees and dependents have qualifYing previous coverage or qualifying existing coverage, as defined by the Small Employer Health Insurance Availabiliry Aa, credit may be J.pplied tOward the sacistaction of preexisting condition waiting period tor IDose covered individuals who qualify. 23 8 Blue Cross. ~ 11 of Idaho ~~ 3000 E- Pine -'\Ie. .\.leridian. ID 83641"3995 .'vla£ling Addrcsr P. O. ßox Î40S Boise, [D S3707, l40K 8 -- ¡ i .,~J 8 8 REC3Iy ~I~ \; C'j 'j Q ~~39 CITY OF i1lERIDlAJ.'\ Your policy mayor may not include benefits for services from some providers listed in this directory. PleaJe refer to your policy for further information. '"",,--- ""'" , "', ..:. - ';c,--.:",,", '--';'\'^".'$¥~;:;r!~,~~:t.:;;:;,':'-'::':'~':'," -- ',' ,-', , , ':",:;,~,;;;~ ,.,-"".,, Directory July 16, 1999 Directory information is also available on the Blue Cross of Idaho homepage on the World Wide Web at http://www.bcidaho.com. To verify either the information in this directory or on the website, please call the Blue Cross of Idaho Customer Services Department at 208~331- 7699 or toll-Jree at 1-800-627-1006. Preferred Blue@ BlueCare@ PPO Blue Cross@ ~ 'I of Idaho ~ ~ Form No, 9-113 (7.99) An Independent Licensee ol/he Blue Cross and Btue Shield Association . TABLE OF CONTENT' ~r-~",~~., -f$~ .. ,p¡f~~~ z:l ~ÆJ .~ \~l!f{ .~~:~ PRO ViI OJÉ'R ~Ð11 R E (~O R Y "",'" !L':, '~:'~;1 Â,/i,' ;t' \:~, iiY lJ",<:. '¥~ .;.I; ,," .-dj:.'",. ""><:.~..- PHYSICIANS. . . . . . . . . . . . . . . . . . . . . . . 1 AMBULATORY SURGICAL CENTER. . . . . . . .. 10 CERTIFIED REGISTERED NURSE ANESTHETISTS.. 1 0 CHIROPRACTORS. . . . . . . . . . . . . . . . . .. 11 DURABLE MEDICAL EQUIPMENT. . . . . . . . .. 13 HOME W. . . . . . . . . . . . . . . . . . . . . . . .. 13 HOSPICE. . . . . . . . . . . . . . . . . . . . . . . .. 14 HOSPITALS. . . . . . . . . . . . . . . . . . . . . .. 15 INPATIENT MENTAL CONDITION FACILITIES.. 16 LABORATORIES. . . . . . . . . . . . . . . . . . .. 16 MENTAL HEALTH PROVIDERS. . . . . . . . . . .. 16 MOBILE EEG . . . . . . . . . . . . . . . . . . . . .. 19 PHYSICAL THERAPISTS. . . . . . . . . . . . . . .. 19 PODIATRIC PHYSICIANS. . . . . . . . . . . . . .. 21 PROSTHETIC & ORTHOTIC. . . . . . . . . . . .. 21 SLEEP DISORDER CENTER. . . . . . . . . . . . .. 21 - ." --- 8 8 RICH, KEVIN DEFRANG, CAROLINE ONCOLOGY LINDSAY. ROBERT E ROSENFIELD, MICAH G ELZINGA, HENRY BECK, THOMAS M MILLER, ALAN P RUTHERFORD, MARK ERLAND, KERll YNN GROSSETT. ALAN PECORA, MICHAEL RYAN, KATE FONG, WAYLAND B KREISlE, WilLIAM RAND, THOMAS H RYAN, PAUL GIFFEN, J PERRY MONTGOMERY, PAUL G SANDSTROM, CATHY 0 SACKMAN, IRVIN HANRAHAN, JULIA J ZUCKERMAN, NORMAN SCHAFFER, LINDA J SCANLAN, KATHLEEN HOLBROOK, MARK UllERY, JOHN SCHEEL, SHEILA M MCGEORGE, LAURA OPHTHALMOLOG Y PHYSICAL MEDICINE SCHEFFEL, SCOT B MONTAMAT, STEPHEN C ANDERSON, LAWRENCE 0 SCHINDELL, SCOTT A NEWCOMBE, EDWARD H BOERNER, MARK J COX, ROODE 0 SCHMITZ, DAVID F NIELSEN, DAVID C BORUP, MARK IDAHO ELKS REHABILITATION SERIO, VINCENT J NONA, LESLIE L CALL, N BRANSON HOSPITAL SEXTON, MICHAEL PHARRIS, CARLA J ELLSWORTH, ROY KRAFFT, KEVIN R SPICER, LAURA RONNAU, KELLEN J FISHBURN, JON R MCMARTIN, MICHAEL STERLING, HUGH ROOS, ROGER FULWYLER, ROBERT STOWELL, ERIK 0 SWANSON, TODD SAUNERO.NAVA, LILIANA GARDNER, BRADLEYP PLASTIC SURGERY TIRRELL, LAURA SPENCER, STEPHEN E GREGORY, JEFF K TOLMAN, MONT STAGG, ROGER l HARF, LEO S GRIFFITHS, RUSSELL H VALCESCHINI, GREG STEVENSON, KURT B HOLLINGSHEAD, MARK HENDRICKS, JOHN L WASHBURN, RUSTY STUBBS, LESLIE J JOHNS, GORDON E MCKIM, THOMAS 0 WATTS, KARL N TENLEY, CLIFFORD KENT, GREGORY J SORENSEN, DEAN WEILAND, THERESA LYLE, W ANDREW SULLIVAN, C EUGENE WELTY, JULIE NEPHROLOGY MANNSCHRECK, MOL~ WHITENACK, DONALD ADCOX, MICHAEL J MCNEILL, JAMES I PSYCHIATRY WILLIAMS, KATHERINE K MALLEA, MICHAEL C PETERSEN, PETER F BANTA, LAWRENCE E WILLIAMS, KENNETH L NARASIMHAN, NAGRAJ PRESSMAN, SCOTT H BELNAP, GRANT B WREGGELSWORTH, FRANCIS SMITH, THOMAS G SUGIYAMA, RONALD BOSTICK, MARC YOUNG, THOMAS R WAGNILD, JON P SWARTLEY, JAMES R BOYER, MICHELE TRAUSTASON, OLiI BURNS, JOHN B GASTROENTEROLOGY NEUROLOGY TROTTA, FRANCOIS 0 BUSH I, STEPHEN T ARCHIBALD, R BRENT DJERNES, MICHAEL R TWEETEN, JAMES P CRUZEN, JAMES BAEHR, PAUL H HARRINGTON, KRISTINA J BOHLMAN, THEODORE W OBSTETRICS! ORTHOPEmCSURGERY HEYREND, F LAMARR COR DUM, NIC R GYNECOLOGY CARE, STEVEN B HOOPES, SCOTT GIBSON, ROBERT BAILEY, ROBERT CLAWSON, MARK C JONES, JERALYN J GIBSON, SAM BARTON, DAVID M COLEMAN, CARl 'KENT, DAVID A LLOYD, MARK CAPLINGER, PATRICIA' COLLINS, PAUL KRUZICH, THOMAS SCHOW, PATRICK 0 CARLSON, DIRK T COUGHLIN, MICHAEL J MARSH, CHARLES TANABE, IKE CARTER, DENNIS DAINES, JOSEPH G MYERS, HAP UHLMANN, RICHARD F DAVIS, ROBERT W DOERR, TIMOTHY E NOVAK, CHARLES C WITTE, JOHN T GERHARD, CLYDE DORRIS, JOHN R PULMONARY DISEASE HAFER, MARY HESSING, JEFFREY G GENERAL PRACTICE HUNTER, DAVID H JOHNSTON, JAMES M BERGQUIST, WILLIAM BEACH, A PENDLETON KATTENHORN, JON LEWIS, KIRK J CROWLEY, JOSEPH J CLYDE, DEBRA S KEYS, ANTHONY 0 MCGEE, DENNIS MERRICK, DAVID K HIGGINBOTHAM, RONALD S KRUEGER, PHILIP M MCGLOTHIN, LYNN C RADIATION ONCOLOGY PINES, RICHARD LIVERS, PETER B MEIER, MARK C THOMPSON, EGREGORY LOVELACE, GLEN MOSS, STANLEY W DORN. RONALD V LOWDER, B KERRY NAEVE, MICHAEL P KOEPLlN, DAVID GENERAL SURGERY WOOERS, DARRELL J PALMER, KYLE L RIPPLE, RICHARD GETZ, JON B MARZOLF, SUSAN M SHEA, KEVIN SMITH, CHARLES E MACHA, MATTHEW R MCGOWAN, KATHLEEN SHOWALTER, LARRY 0 THORACIC SURGERY OAKLEY, W CHRISTIAN NISHITANI, RALPH V VERSKA, JOSEPH M SEELEY, JACK A POOL, LESLIE G WADE, GEORGE A FORBES, ANDREW 0 SZENTES, MARK J SCHROEDER, HARMONY R ORME, S KIRBY VERNER, REESE A ST CLAIR, DUANE PATHOLOGY UROLOGY WEILER, DENNIS E SWAJKOSKI, ALAN R DAY, JOHN C TERRAZAS, ROSA M KIECKBUSCH, MARK E BRIGGS, E MANLEY HAND SURGEON THOMPSON, MARIETTA I MYHRE, MICHAEL CELANO, TULLIO WATKINS, TROY B WATKINS, DEAN SLAUGHTER, RONALD W FAIRFAX, CYNTHIA WERDEL, JOHN M STILLINGER, RICHARD A JONES, WILLIAM A HEMATOLOGY WEST, TIMOTHY A TEEARS, ROBERT J RICE, DAVID WALTERS, THEODORE A WEYHRICH, GLENN H TANSEY, LARRY A WILLIAMS, BRENDA M PEDIATRICS WALDMANN, TODD M INFECTIOUS DISEASES YOUNG, DEBBIE BISHOP, LARRY 0 WALKER, DONALD E BLUE, SKY R BOURQUARD, WILLIAM S WILLIAMS, JOSEPH H OCCUPATIONAL COFFMAN, THOMAS MEDICINE DAHLKE, STEVEN K VASCULAR SURGERY INTERNAL MEDICINE GIBSON, MICHAEL P DRAKE, KATHERINE A GILBERTSON, JEFFREY J HANKS, JOHN W BLOUGH, SUSAN L HIGER, RALPH W COOPER, CLIVE 2 PREFf.:RRED PROVIDf.:R DIRECTORY ...,_.o",,"" ------ --" - "--- --. "-- - -- 8 8 OPHTHALMOLOGY OPHTHALMOLOGY KENT, RODERICK S COTTONWOOD FRUITLAND KONTOS, MARK A MOSS, STEPHEN A PARDEN, PATRICK FAMILY PRACTICE DERMATOLOGY PSYCHIATRY STORMOGIPSON, D JUSTIN EDWARDS, JEFFREY K OVERLY, GERALD G CALLAHAN, JOHN WOLD, DAVID A FAMILY PRACTICE ORTHOPEDIC SURGERY COUNCIL BUNKER, CLINT HOMEDALE GIESEN. JOHN T OLSCAMP, ADAM J EMERGENCY MEDICINE GENERAL PRACTICE FAMILY PRACTICE PIKE, JOHN KURACINA, MARILEE SMITH, MORRIS BALTIERRA. DAVID SLAUGHTER, WILLIAM H OLSON, KARL BOWMAN, JONATHAN L WITHAM, LLOYD E CASTO, DANIEL PATHOLOGY GENERAL PRACTICE GLENNS FERRY LARSEN, JAMES SINKINSON, CRAIG A LEBOW, ROBERT H ALLER DING, THOMAS J GENERAL PRACTICE MERING, MARK BERNARD, LAVERNE R SATTAR, ARIF A ROSENFIELD, MICAH G DARLING, STEPHEN J DOWNEY SINKINSON, CRAIG A SERIO, VINCENT J DETAR, MICHAEL W TIRRELL. LAURA FANDEL, TERESE M FAMILY PRACTICE GENERAL SURGERY HATCH, LARRY MILLER, EDWARD A GENERAL SURGERY KNOUF, JERRY L HOAK, DAVID C STOCKING, LISA WEILEA, DENNIS E LINDHOLM, GEORGE R MARTINEZ, FELIX GENERAL PRACTICE GOODING OBSTETRICS/ VENZON. DENNIS E GYNECOLOGY EDER, WILLIAM EMERGENCY MEDICINE HUNTER, DAVID H PEDIATRICS HALL, ELIOT GOODING COUNTY PSYCHIATRY NEFF, TERENCE E DRIGGS MEMORIAL HOSPITAL CRUZEN, JAMES RAU, THOMAS A EMERGENCY MEDICINE FAMILY PRACTICE SHAW, MARY J GIES, F JOHN IDAHO CITY TETON VALLEY HOSPITAL & PLASTIC SURGERY SURGICENTER INTERNAL MEDICINE CHRISTENSEN, MICHAEL P FAMILY PRACTICE SMITH, DOUGLAS 0 FAMILY PRACTICE ELLIOTT, MARTIN P MOCK, DALE CURTIS, LARRY T RUTHERFORD, MARK PS YCHIA TRY RAKEL, DAVID P GRANGEVILLE BARCLAY, BILLY 0 OPHTHALMOLOG Y BARR, MARY L FAMILY PRACTICE IDAHO FALLS CLARK, KANCHAN RAMSAY, WilLIAM J GORDON, JOHN E GARDNER, JAMES W ANESTHESIOLOG Y MIEWALD, BRUCE GARDNER, MICHELLE KLiPPERT, STEVEN MILLER JR, WilLIAM H ELK RIVER LAURINO, JAMES A NAAKIEWICZ, MIRA THOMPSON, JOAN B NAGY, JUDITH ULLRICH, GEORGE FAMILY PRACTICE PETERSEN, MARK SCHEUERMANN, KEITH RADIOLOGY BRITZMANN, J B HAGERMAN THURSTON, TIMOTHY A BERGER, PAUL E EMMETT FAMILY PRACTICE CARDIOVASCULAR BAUCE, J DOUGLAS DISEASE HEWEL, KEITH NOFZIGER, DAN L DENYER, MICHAEL H LEY, CARL E EMERGENCY MEDICINE HODSON, GREG MARTINEZ, AL WALTER KNOX MEMORIAL HAILEY MICHALSON, ARNE E HOSPITAL DERMATOLOGY MICHALSON, LINDA S BISHOP, KAY SEMOGAS, VYTAS P FAMILY PRACTICE ALLERGY THOMAS, JOHN R BARCLAY, DAVID DECCO, MARK EAR, NOSE & THROAT THORNTON, ROBERT S ESHENAUR, JAMES E HENRY, RICHARD E AUSTIN, DAVID WEBER, MARK E FARBER, NED KADLEC, GREGORY J ENGLIS. MARC G RHEUMATOLOGY HOLVERSON, HARMON E ANESTHESIOLOGY EMERGENCY MEDICINE SCHANTZ, SHANNON D WIESENHUTTER, CRAIG W SMITH, BARRY VON GAHERTY, PATRICIA A COLUMBIA-EASTERN IDAHO UROLOGY THOMSON, JAMES F REGIONAL MEDICAL VETTER, WILLIAM H CENTER CLARK, RANDIL HAYDEN LAKE GATES, CHARLES L GENERAL SURGERY FAMILY PRACTICE HALL, WILLIAM H STONE, BRYAN A FAMILY PRACTICE ARBON, R K ORTHOPEDIC SURGERY BORSHEIM, MARK CHESLOCK, STANLEY J BROSOSKY, BRAD W FINNIGAN, FRANK B COlliNS, PAUL ESAU, ARLIE GUYER, THOMAS A RISKE, TERRY MILAM, JAMES C 4 PFH,FE~~ED P~nVInF" !)'~FrTn"v PSYCHIATRY 8 8 OPHTHALMOLOGY GENERAL PRACTICE EAR, NOSE & THROAT CRUZEN. JAMES SONNTAG, JOHN R HERNANDEZ. MARK BEASLEY, DON ORTHOPEŒCSURGERY GENERAL SURGERY EMERGENCY MEDICINE MCCALL PALMER, KYLE L HAM, L BRUCE CARTE. MICHAEL W FAMILY PRACTICE PEDIATRICS INTERNAL MEDICINE FARRIS, NEIL K MCCART, STANLEY W HALL, DAVID BROWN, EUGENE M BOUGHTON, JANICE M MERCY MEDICAL CENTER MESKE, CURTIS DEAN, STACEY R THOMAS, MARK C OBSTETRICS/ MIDDLETON HAMMOND, LAWRENCE A WALSH. GUERIN M GYNECOLOGY MEMON, H SARAH PETERSON, DENNIS L ENDOCRINOLOG Y REEDY. THOMAS W FAMILY PRACTICE SIMPSON. DENNIS L TROYER, RICHARD C OLLIE, STEVEN B SPADY, ROBERT N MELBA OBSTETRICS! FAMILY PRACTICE MONTPELIER GYNECOLOGY BALTIERRA, DAVID FAMILY PRACTICE BOWMAN, JONATHAN L COUSSONS, HERBERTS CASTO, DANIEL HANSEN, JEFFREY A EMERGENCY MEDICINE GORCHELS. CATHERINE M CHENORE, MICHAELA BEAR LAKE MEMORIAL HUBERTY, JOHN R DAVIDSON, ELAINE S HOSPITAL RICHARDS, CHARLES A HANSEN, JEFFREY A MERIDIAN PSYCHIATRY HAUGEN, KEITH A FAMILY PRACTICE HLAVINKA, JON L CARDIOVASCULAR CAMPBELL. CLAY DUPONT. RONALD J HUYCKE, ANN DISEASE WOLFF, NOALL E KUNZ. HAROLD BATHINA, MURALI N UROLOGY LEBOW. ROBERT H GENERAL PRACTICE KEIZUR, JOHN J MARTIN. DAVID A DERMATOLOGY BOMSTA, LARRY D MERING, MARK BURR, RANDALL D DAINES, PAUL H MOUNTAIN HOME NOKELBY. BRYAN NOWIERSKI. SHAWN C EMERGENCY MEDICINE GENERAL SURGERY REYNOLDS, CATHERINE J ASHBY. HANSEL DECKER, JOSEPH F EAR, NOSE & THROAT ROSENFIELD, MICAH G BARUCH. AMY S BOYAJIAN, JOHN A RYAN, KATE BODES, STEPHANIE OBSTETRICS! SCANLAN, KATHLEEN BOTHWELL, GLENN C GYNECOLOGY EMERGENCY MEDICINE SCHEFFEL, SCOT B BURNINGHAM, MARK DEGNAN, ROBERT ELMORE MEDICAL CENTER SERIO. VINCENT J COWLEY. LOUIS T OLSON. KARL SHIELDS, HEIDI E FOREMAN, RICHARD RADIOLOGY SIEGERSMA, WENDY M GARDNER. L LYNN BUCCAMBUSO. TERRY FAMILY PRACTICE STOWELL, CHRISTIAN HAGA, THOMAS CHILD. DOUGLAS BRININGER, TIMOTHY L TAYLOR, SAMUEL HILL, BARTON F DAINES. JONATHAN GENERAL PRACTICE THOMPSON, ANDREA JOHNSON, ERIC L HOPKINS. C RICHARD TIRRELL, LAURA LAPINEl, DEAN E STARKEY, RICHARD F VINCENT, JENNIFER SANDERSON. THOMAS W WELLS. IVYL W WELTY. JULIE STURKIE. MURRY MOSCOW INTERNAL MEDICINE GASTROENTEROLGY WYMAN. STEVE DERMATOLOGY KOELSCH, MICHAEL WOODS, JUDITH A FAMILY PRACTICE JACOBS, RICHARD A DAHL. DENNIS PEDIATRICS GENERAL PRACTICE DEVITT, ANGIE S EMERGENCY MEDICINE BLEDSOE, ANNIS W PINIEWSKI, BRIGITTE M FENDER. FRED W GRITMAN MEDICAL CENTER GENERAL SURGERY GRAY, JENNIFER L GREENBERG, STEVEN M FAMILY PRACTICE NAMPA CHOWN, MARK S HODGES. TIMOTHY P AXFORD, PAUL D VALENTINE, JAMES HUGHES, ELISE BRITZMANN. J B A NESTHESIOL OG Y VETSCH, CHRIS P KAO, STEVEN B BROWN, JOHN B CAMBARERI. JOHN WEILER, DENNIS E KOCEMBA, RUSSELL M GRAUKE, JOHN H DECKER, MICHAEL J INTERNAL MEDICINE MCHUGH, TIMOTHY HOWE. RICHARD K LEFTENANT, S GORDON NELSON, AURELIA W MOODY. TIMOTHY J PAGE, DENNIS DEE. MICHAEL NOWIERSKI, SHAWN C RUBY. WAYNE L PIERCE. CHRISTOPHER A DZUR. JAMES R SWANSON, GEOFFREY N RUST, ROBERT SMAGULA, CARL M MALAKHOVA. SHERIW THOMPSON, ANDREA RYCH, GLENN D WINGARD, DANIEL W MCCABE. JAMES J SCHMIDT. DAN J PAGE. RANDELL INTERNAL MEDICINE SHUPE, DAVID D CARDIOVASCULAR STRINGAM, STANLEY COR DUM, ANN A SPAIN. FRANCIS K DISEASE JO, ALAN S TING. ROBERT M FIELD, JAMES NEUROLOGY LEWIS. ERIKA A WIDMER, MICHAEL CURRAN. J ROGER SANDOVAL,JESSE GASTROENTEROLG Y DJERNES, MICHAEL R TANABE. KIMBERLY PERINO, LLOYD E DERMATOLOGY GREEN, LAWRENCE E MILLER, WARREN N 6 PREFERRED PROVIDER DIRECTORY 8 8 PEDIATRICS INTERNAL MEDICINE PEDIATRICS HALL, ELIOT HEINER, 0 CRAIG SALMON DELAND, GEORGE GILBERT, JOYCE NEFF, TERENCE E REYNOLDS, ANN R EMERGENCY MEDICINE RAU, THOMAS R SHEININ, HANNAH PSYCHIATRY SHAW, MARY J STEELE MEMORIAL 'DDINS, DONALD T OBSTETRICS! HOSPITAL GYNECOLOGY POTLATCH BARTON, BRUCE C FAMILY PRACTICE SHELLEY CROUCH, MAX J BALDWIN, RONALD FAMILY PRACTICE LOVELL, GARY L EARL, ARTHUR FAMILY PRACTICE GARDNER, SAMUELD BRITZMANN, J B ORTHOPEDIC SURGERY CliNGER, STEVEN LARSON, MICHAEL J GENERAL PRACTICE PRESTON LEE, KEVIN LARSON, DALE SHOSHONE MILLS, RONALD G OBSTETRICS/ EMERGENCY MEDICINE PEDIATRICS GYNECOLOGY FAMILY PRACTICE FRANKliN COUNTY MEDICAL GATES, GENE P GARNAAS, MARK F DAVIS, KEITH E CENTER LOFGRAN, ROBERT C KNUDSEN, VALERIE A FAMILY PRACTICE RADIOLOGY ORTHOPEDWSURGERY SODA SPRINGS BECKSTEAD, DAVID B HANSEN, DAVID CHAMPA, JAMES R ESKELSON, LYNN P KISER, RANDALL BART PUCKETT, P ANDREW EMERGENCY MEDICINE GIBBY, MARK H t CARIBOU MEMORIAL WORTHAM, REX E SANDPOINT HOSPITAL ., RIGBY FAMILY PRACTICE PRIEST RIVER FAMILY PRACTICE ANESTHESIOLOGY DORRELL, THOMAS W GENERAL PRACTICE HAMMAR, BRYAN ROLE, PHiliP A PANOS, CRAIG BLACKBURN, HYRUM EMERGENCY MEDICINE YOUNG, GERALD L FALTER: CHARLES R FOWLER, JEFFREY B INTERNAL MEDICINE ARTHURS, JAMES GENERAL SURGERY REDD, HANS BONNER GENERAL OBRAY, JOHN W HOSPITAL RATHDRUM RIGGINS FAMILY PRACTICE ST. ANTHONY FA MIL Y PRACTICE DUNN, SCOTT R LORION, S JESSY FAMILY PRACTICE LAWRENCE, THOMAS L GENERAL PRACTICE LEEDY, W HUGH HALL, DAVID MARIENAU, FRED CHEYNE, STEPHEN J REXBURG MESKE, CURTIS MEULENBERG, DANIEL J RUST, ROBERT ST. MARIES A NESTHESIOL OG Y '. RUPERT SCHWARTZ, BRAD COOK, GARY GENERAL PRACTICE EMERGENCY MEDICINE DIAGNOSTIC RADIOLOGY EMERGENCY MEDICINE HERNANDEZ, MARK BENEWAH COMMUNITY MINIDOKA MEMORIAL PUFFER, STEVEN C HOSPITAL BIRKIN, BARRY HOSPITAL FAMILY PRACTICE GENERAL SURGERY EAR, NOSE & THROAT FAMILY PRACTICE GOODWIN, JOEL S BAINES, DAVID R DAVIS, J GRANT BAUDER, MARC A NEHER, RICHARD G DAVENPORT, TERRY E ENGLiS, MARC G KONRAD, DONALD KATOVICH, JOHN R EMERGENCY MEDiCINE SAUREY, KERRY INTERNAL MEDICINE LUTHER, DAVID J BURGSTAHLER, SCOTT STONE, LESLIE P MADISON MEMORIAL GENERAL PRACTICE CARLSON, ROBERT W STONE, P MICHAEL HOSPITAL PATES, DON C COPE. ROBERT R THURSTON, RICHARD K FAMILY PRACTICE WAYMENT, KEITH DEAN, STACEY R GENERAL PRACTICE HARRIS, MICHAEL T GENERAL SURGERY OBSTETRICS! RAPP, BERGEN A HOPKIN, JEFFREY G DITMORE, HARRY B GYNECOLOGY PACKER, MICHAEL M JOHNSON, DACLYNN S BOWDEN, MARGARET M GENERAL SURGERY PETERSEN, LESTER J INTERNAL MEDICINE HONSINGER, BRUCE W SARKIS, ANTOINE Y RAMMELL, COREY RORABECK, JEANNE M STACKOW, JOHN C ZOLliNGER, C JEFFREY SAUNDERS, MARGO OPHTHALMOLOG Y ORTHOPEDIC SURGERY GENERAL SURGERY GEORGE, CHARLES C MCNULTY, JOHN M CHRISTENSEN, BRIAN W HAUGEN, PERRY A GERRIE, ROBERT ORTHOPEDIC SURGERY CIPRIANO, FRANK J FAGGARD, JOHN 8 PREFERRED PROVIDER DIRECTORY - , AMBULATORY SURGICAL CENTERS - 8 8 COEUR D' ALENE IDAHO FALLS COEUR O'ALENE FOOT & ANKLE SURGERY CENTER COEUR O'ALENE SURGERY CENTER NORTH IDAHO CATARACT AND LASER CENTER NORTH IDAHO DAY SURGERY NAMPA IDAHO EYE SURGICENTER IDAHO FALLS SURGERY CENTERINC IDAHO FOOT SURGERY CENTER POCATELLO HEALING ARTS DAY SURGERY MERCY AMBUCARE MERCY BIRTHING CENTER IDAHO EYE SURGICENTER ROCKY MOUNTAIN SURGERY CENTER CERTIFIED REGISTERED NURSE ANESTHETISTS ¡ UNDERWOOD, HARRIETTE SIBBETT, JAN BLACKFOOT WALTERS, JOLENE M STEPHENS, PATRICK REXBURG WARD, ROBERT S WAIGHT, MARY ADAMS, HENRY M WESTERLUND,SCOTT BOGE, RONALD MCCLELLAN, STEVE KETCHUM CORDES, ELIZABETH PURCELL, BLAKE FARNWORTH, CINDI CALDWELL JANKOWSKI, PATRICK DRISCOLL, JOHN J MACIESKI, OENNIS BOISE BERG, STEVEN J RASMUSSEN, DEAN EDGERTON, LARRY SIBBEn, JAN ANDERSON,NANCY KERFOOT, JOHN LEWISTON STEPHENS, PATRICK BERG, STEVEN J KERN,STEVE BLACK, TERRY BORDERS, RUTH COEUR D' ALENE KOSTENKO, KERN SAGLE BRINTON, CLARK MATTHEWS, CARL BROSH-SCHONECKER, BRINTON, JAMES R MORGAN, TRENT HUDLET, GLENNA J BETTY J FLYNN, PATRICK WINTERBOTTOM, ED BUCKINGHAM, MICHAEL FOOTE, A JAMES CANFIELD, CARLENE FOXX,DAN MERIDIAN SANDPOINT COLEMAN, KEVIN L FUNK, J STEPHEN CUNDIFF, POLLY J GERHARD, RICHARD ANDREGG, GARY CURLEY, BRETT HUDLET, GLENNA J COONSE, RHONDA DUCHOW, KAY DANIELS, TYLER R MOOS, JEFFREY PECUKONIS, PAUL EVANS, LINDA M MOSELEY, CHARLES W FISCH, CHARLAINE RHOLL, DARRYL MOSCOW GLADWELL, BRUCE F ROCK, RON SUN VALLEY HUSKEY, ZOREATHA BECHTEL, JULIE V HUTTON, DENNIS HAILEY GRAY, SCOTT CLEVELAND, JAMES H LOVENGUTH,MARLENE SMITH, ROBERT K DRISCOLL, JOHN J LYSINGER, EDWINA L MATTISE, DOROTHY CLEVELAND, JAMES H MCMULLEN, JUDY POCATELLO TWIN FALLS MINNAERT, MARGARET S NICHOLSON, TONIA IDAHO FALLS CHAMPLIN, JON BERG, MICHAEL ODELL, STEPHEN DONCOUSE, KAREN M CARMICHAEL, JOHN S OVERTON, MARGUERITE BERTOCH, MICHAEL FUGATE, CHRIS C DICKINSON, DALE C PARKER, JANE B BJORNSON, BRUCE HOLT, ALAN 0 EVANS, JOHN L PORTER, CATY BOGE, EILEEN JOHANSON,GARY EVANS, LINDA M PUZIO, MARY BETH L HOBBS, BRIAN KNIEVEL, DALE T HARDING, BRUCE SCHAB, BARRY T JANKOWSKI, PATRICK NEBEKER, GREG 0 KINGHORN, ROBERT P SCHRANK, MICHAEL JENKINS, DARRELL LYNN ROGLER, SHARI KOCH, ROBERT E SHIPPERS, JIM LANDIS, JONNIE ROPER, BENSON LEE, RONALD L SIMON, DAVID LEVERETT, JOHN TATHAM, JOHN SOURS, CHRISTOPHER MACIESKI, DENNIS WHITMORE, JAMES W STEPHENS, SCOTT MURDOCH, G FRITZ STIFF, CHARLES PEKALA, MICHAEL J TAYLOR, SUSAN G ROGLER, SHARI 10 PREFERRED PROVIDER DIRECTORY '~---'----'-"-'"---. . . KUNA NAMPA POTLATCH SHELLEY STOCKWELL, CHRISTOPHER BANKS, NEIL B MORGAN, DAVE WHITE, ANDREW J THIRY, ROBERT DONALDSON, MARTIN S EDWARDS, PAUL R PRESTON LEWISTON GAERTNER, SHANNON SODA SPRINGS MCKIM, R KEITH MOLDENHAUER. GLENN W COX, DAVID A AUBUCHON, SUSAN J NELSON, WENDELL D WARD, LEONARD E ANDERSON, RYAN W BAILEY, KURT STOCKTON,ELlZABETH BOWMAN, ERIC M BOYER, THOMAS R SWENSON, DAVID L BURROW, JOAN P WEAR, JAMES W RATHDRUM DIAZ, DENNIS M ST ANTHONY JOHNSON, R JAMES CARPENTER, JAY B MALLARD, GLYNN OROFINO HAUSER, RICHARD A LONG, VEAL P NICHOLAS, GLENN V REED, BRAD S RUDDELL, BRIAN T HARPER, DENNIS L RUDDELL, KEVIN LAMBERTI, IRENE ST MARIES WILHELM, HAROLD M REXBURG PAYETTE MAVITY, NElLA ASHBY, CRAIG B SAUNDERS, MARLENE K MCCALL BOOTH, DAVID G HARSH, LARRY H EGBERT, BRAD GULLICKSON, PAUL M TREES, TIMOTHY W MELLOR, STEPHEN P TWIN FALLS MILLER, DANA R MERIDIAN PINEHURST SMITH, ALAN R BERKEBILE, LYNN COINER, TIMOTHY GENTRY, ROBERT E KELLER, GLEN E RIGBY CORBIN, RONALD S RUTZ, ROBERT L DAVIS, D WADE SAMPSON, RICHARD P ASHBY, CRAIG B EGBERT, PAUL S SAMS, R BARRY POCATELLO FOX, ALAN STUTZMAN, BRIAN W GOLAY, GEOFFROI A WHALEN, JOHN CLEGG, MICHELLE RUPERT JOHNSON, R MAX EMFIELD, GARY R LANDWEHR, LUDWIG C FINN, GRANT D CRANE, TROY W LONG, DAVID R MOSCOW LEE, H DEWAIN HALE, GERALD L LUCKOCK, JAMES S LEE, ROBERT C PHILLIPS, SUE HAUG, ROBERT W LlLJENQUIST, DANA F PORTER, CHARLES L RAYMER, ANN LINDHARTSEN, GLORIA SALMON SIRUCEK, ANTHONY J SANDELL, JOHN R MECHAM, DANIEL C TURNER, BRADLEY J SELLERS, PATRICK M CARLSON, HAWLEY R WILLIAMS, SPENCER G SMITH, BARRY M GLANZER, LOREN D MOUNTAIN HOME SMITH, JESSIE D WARD, ROBERT E WEISER KIEFFER, JEFFREY F WEST, DARTH G SANDÞOINT KIEFFER, JOHN D WEST, HENRY G WAITE, ALAN L RECTOR, WILLIAM E DUTSON, GREGORY P POST FALLS HOLLANDER,ROXANNE KEMP, JAMES D REOCH,DARYL AGA. ROGER L TROWBRIDGE, MICHAEL GROTHMAN, TIMOTHY WELCH, RONALD B TRAVISS, JOHN VANCHO, JAMES C 12 PREFERRED PROVIDER DIRECTORY . u-- "-'-,---'-",,---,C'~. 8 BOISE COTTONWOOD MONTPELIER POCATELLO LlFES DOORS HOSPICE INC ST MARYS HOSPITAL BEAR LAKE MEMORIAL HOSPICE OF IDAHO ST LUKES REGIONAL HOSPICE HOSPITAL HOSPICE SOUTHEASTERN DISTRICT MEDICAL CENTER HOSPICE HOSPICE DRIGGS NAMPA SANDPOINT BURLEY TETON VALLEY HOSPITAL & MERCY MEDICAL CENTER SURGICENTER HOSPICE HOSPICE BONNER GENERAL HOSPICE OF IHC HOSPITAL COMMUNITY HOSPICE FRUITLAND OROFINO CALDWELL XL HOSPICE CLEARWATER VALLEY STAR WEST VALLEY REGIONAL HOSPITAL HOSPICE MEDICAL CENTER BOISE MEMORIAL HOSPICE HOSPICE IDAHO FALLS PAYETTE GOOD SAMARITAN HOSPICE TWIN FALLS COEUR D' ALENE QUALITY HOSPICE CARE HOSPICE VISIONS INC HOSPICE OF NORTH IDAHO MERIDIAN MAGIC VALLEY STAFFING SERVICE HORIZON HOSPICE VENCARE HOSPICE 14 PREFERRED PRDVIDER DIRECTORY -- - .- '- INPATIENT MENTAL CONDIT~ON FACiliTIES . 8 BLACKFOOT CALDWELL IDAHO FALLS POCATELLO STATE HOSPITAL SOUTH WEST VALLEY REGIONAL COLUMBIA-EASTERN IDAHO PORTNEUF VALLEY MEDICAL CENTER REGIONAL MEDICAL HOSPITAL BOISE CENTER COEUR D' ALENE TWIN FALLS THE AERIE NAMPA ST ALPHONSUS REGIONAL NORTH IDAHO BEHAVIORAL CANYON VIEW HOSPITAL MEDICAL CENTER HEALTH MERCY MEDICAL CENTER PSYCHIATRIC FOR RECOVERY NORTHVIEW HOSPITAL INTERMOUNTAIN HOSPITAL GOODING OROFINO WALKER CENTER STATE HOSPITAL NORTH LABORATORIES* ALPHA MEDICAL LAB BLACKFOOT MEDICAL CLINIC LAB lOX PATHOLOGY LABCORP SE IDAHO LABCORP SW & N IDAHO PATHOLOGISTS REGIONAL LAB PA PATHOLOGY ASSOCIATES MEDICAL LABS PHYSICIANS LABORATORY INC QUEST DIAGNOSTICS SMITHKLINE BEECHAM CLINICAL LAB INC SNAKE RIVER CARDIO PULMONARY LABORATORY SOUTHERN IDAHO MEDICAL GROUP LAB TETON MICROBIOLOGY LAB TREASURE VALLEY LAB WESTERN IDAHO MEDICAL LAB 'Please discuss with your physician which lab he utilizes and where you should go if he does not obtain samples in his office. MENTAL HEALTH PROVIDERS CERTAIN, LYNNE A HART, HEIDI PETERSON, POLLY A BLACKFOOT CHALLENGER, MARILOVE HAUDER, REBECCA POTIER, KEITH D CHRISTIANSON, CHERYL HENDERSON, JOAN M REED, JAMES 0 LICENSED CROCKETT, ROBERTA HERZING. MARY ANN REYNA, JOHN PROFESSIONAL DAWSON, JOHN J HOLLY, OLIVIA M RICH, MARY A COUNSELOR DIGNAN, JANE IGO, JUDITH D ROBERTSON, PATRICIA ROGERS, SCOTT A DORlING, CATHERINE M JACKSON, DAWNA D ROSSITER, SHERILYN D ELLIS, CYNTHIA JACKSON, LYNDELL V SHADE, MARIE A ERNEST. KRISTIN E KEETON, NANCY E SIVERSON, THOMPSON BOISE FARROW. GEORGE KERRICK, PAT SLIFER, GEORGANNE FASTABEND, GLORIA KIRCHER, MARK K SMITH, MILLICENT S LICENSED FERGUSON, DAVID R KNUDSON, BARBARA SPENNER, DOROTHY PROFESSIONAL FILER, STEVEN P LANZET, STEVEN I SWAIN, CLARK COUNSELOR FITZGERALD, NANCY LARSON, RUTH TAITANO, LYLA ADKINS, LORN H FORREY, SANDRA C LINDORFER, KERRY TOWLE, TERANCE J AKSAMIT, PAT FOSTER, LA DESSA MANNION, KRISTIANN TURPIN, TERRI ANDREWS, CYNTHIA M FURNESS, SUSAN MARTI, VICKI L TUTHILL. ANN AVAREGAN, MAHVASH FURNESS, TIMOTHY J MAUK, SUSAN VAN SLYKE, JAN BARNHILL, DIANE GELEYNSE, GLORIA S MCCONNELL, BEN WALKER, JANICE M BATT-liNCOLN, KIM GILLESPIE, JANET MCKAY, PENNIE J WATTS, BARRY A BERUBE, TONI GILMAN, GINNY MCKEETH, BILL WHITENACK, MARY BOLLES, MARJORIE H GLICK, JON MINKOFF, JON R WHITTAKER, KAREN M BORRESON, MARLYS A GORMAN, PATRICIA MONDIN, FREDERICK D WILLIARD, ELIZABETH C BRIDGES, DARYL GRAMER, JULIE MOORE, MONTY L WILSON, CHRISTINE BROWN, PAULA GREEN, KATHY MORRIS, DONALD D WILSON, THOMAS A BUFFINGTON, JANEl L GRIFFITH, CAROL O'REILLY, BRIN WIXSON, BRUCE R BUNCH, CHARLES K HALL, ALEXANDRA B OPPENHEIMER, ESTHER B WOLFE, GINA E - BURNS, KERRY I HALPIN, DIANE M PATERSON, CHRISTINE YEAGER, MYDELL L 16 PREFERRED PROVIDER DIRECTORY -~"'---".._..- . . BUBAR, MARLENE M MORRIS, JAMES D COLE, LAVON M CLAYTON, DORTHY C PHILLIPS, JAMES R MOUNTAIN HOME DAVIES, PAMELA L GARNER, BLAIR K WALKER, LOUISA S ELLIS, MARINA GNEITING, DAWN T WRIGHT, EILEEN M LICENSED FORSMAN, TANYA HAGEN, ILA DEAN PROFESSIONAL GERLACH, LORRAINE HARRIS, JOHN W COUNSELOR JOHNSEN, ERIC HARRIS, MICHAEL J MCCALL BRESLIN, GLENDA MAY, ARLENE J HENG, SUSAN M SHASKY, SYLVIA MOLLER, SISTER MARY KElLY, TERRELL L LICENSED VOLKERS, LORI MCKELL, GARY G PROFESSIONAL WHITE, KARL R MINNIX, KENNETH COUNSELOR NAMPA PSYCHIATRIC SOCIAL NIELSEN, MICHAEL E WHITEMAN, LESLEE L WORKER PARRI, LOUIS J LICENSED BROWN, PATRICIA CRETE PICKETT, JENNIFER PSYCHIATRIC SOCIAL PROFESSIONAL RASH, MARIAN FIFE WORKER COUNSELOR HACKWORTH, K BOBI HARRIS, JEWELL ROBINSON, BARBARA CALDWELL, KATHLEEN S BURMAN, ARDQUTH FAY HENG, SUSAN M TEGELER, P MARY RICE, GAYLE A KRUSE, DIANNE K KEMPSON, DIANE A TUELLER, THOMAS E WILSON, JOSEPH C O'LEARY, RUSTY NEWSOME, SHARI L PSYCHOLOGIST SNOW, E FRED PHELPS, ARTHUR A ROBINSON, BARBARA ANDElIN, STERLING D MERIDIAN PSYCHIATRIC SOCIAL SALZMAN, KENNETH P LINDSEY, KENNETH P WORKER STECKBAUER, WILLIAM P MOGHADAM, BADRI LICENSED CHAPMAN, MARLENE SUBLETTE, SALLIE PROFESSIONAL MONTGOMERY, PHYLLIS A WATSON, VICKI A COUNSELOR VALLE, JOSE KELLOGG BABCOCK, DALE PSYCHOLOGIST HENDERSON, SHIRLEY PSYCHOLOGIST CORGIAT, MARK D PSYCHIATRIC SOCIAL SEEHOF, JAMES M ALBAN, JACK L DICKEY, JOHN H WORKER WATKINS, KELLE NORDSTROM, PAULA M GORDON, JAMES B SCUDDER, DEBORAH K PARSONS, JULIE HEYNEMAN, NICHOLAS E PSYCHIATRIC SOCIAL WEBB, MAC C KATZ, SHARON B PSYCHOLOGIST WORKER KRAUSER, EDWIN L ARANA-WOOD, TERESA LINDSEY, KENNETH P STEMPF, CRAIG R ROBERTS, MARK W BERMENSOLO, MARY K PAYETTE CALLENS, MARGARET N KETCHUM CALNON-ATKINSON, IRMA PSYCHIATRIC SOCIAL WORKER POST FALLS LICENSED PSYCHOLOGIST MURATA, SHIRLEY M PROFESSIONAL SCHUBARTH ANDREWS, LICENSED COUNSELOR GLENA PROFESSIONAL BOLEY, MELISSA A PINGREE COUNSELOR DONART, SALLY L BROOKS, BARRY G PUDOFF, JEANNE M MOSCOW LICENSED PROFESSIONAL LICENSED COUNSELOR REXBURG KIMBERLY PROFESSIONAL WALKER, RUBYLEE COUNSELOR LICENSED LICENSED PALS. DIANA L PROFESSIONAL PROFESSIONAL RUBY, KATHLEEN COUNSELOR COUNSELOR SWANBERG, JENNIFER J PLUMMER HARGRAVES, GRACIE A LEYSE, SALLY VIETRI, MARGARET WALDEN, E JANNAE WEEKS, CATHERINE J LICENSED WHEELER, KAREN PROFESSIONAL PSYCHIATRIC SOCIAL LEWISTON COUNSELOR WORKER PSYCHIATRIC SOCIAL INGEBRITSEN, DAVID A BLANCHARD, BRUCE W LICENSED WORKER CRAIG, STEPHEN PROFESSIONAL GRIFFITHS, MARIE PSYCHIATRIC SOCIAL STODDARD, JAMES R COUNSELOR PSYCHOLOGIST WORKER PS YCHOLOGIST STEVENSON, MARK J ALEXANDER, REBECCA J TURKOVSKY, GLORIA BRANNON, JAMES M PSYCHIATRIC SOCIAL GIBSON, WILLIAM T BRANNON, MARYLYN WORKER KITZROW, MARTHA POCATELLO HARGRAVES, DAVID T SCHULTZ, MARIAN R NEKICH, JAMIE WISE, MIMSI SASSER, NANCY S LICENSED SAGLE WADDEL, BETH PROFESSIONAL PSYCHOLOGIST WALKER, W RAND COUNSELOR ALEXANDER, REBECCA J WHITLOCK, ALAN JOE BARNIER, LINDA A LICENSED WYATT, CAROLYN J PROFESSIONAL ANDERSON, ROY A YAMA, MARK F BEZDEKA, STEPHEN M COUNSELOR EMERY, MICHAEL P BOTT-GRAHAM, MICHELLE KRACKE, KEVIN R BRUNNER, SISTER MONA JONES, TONI L .. 18 PREFERRED PROVIDER DIRECTORY . . DRIGGS MINIDOKA MEMORIAL KETCHUM NAMPA HOSPITAL WILLIAMS, BRADLEY C TETON VALLEY HOSPITAL & COYNE, COLLEEN A BAILEY, GLEN SURGICENTER KOTH, JOHN C BOOTH, MATTHEW R O'LEARY, MARY ELLEN BURTON, CINDY SALMON EAGLE PARDINI, JILL DEBLIECK, TERESA PRAEGER, SYDNEY MERCY MEDICAL CENTER BRYANT, NAN MORRIS, JACK MUNNING, NICHOLAS A LANGLEY, RANDALL WEGNER, BETTY L STEELE MEMORIAL KUNA WILLIAMS, ALAN HOSPITAL EMMETT WEBER, REX C WHITE, BRIAN PLUMMER SANDPOINT BONZER.FRY, GAYLE HAMMEN-GIESE, HOLLY BURATTO, CHRISTINA M BONNER GENERAL LOREE, TODD LEWISTON HOSPITAL PAPE, JAMES LUND, PAULA SPENCER, CARRI DAVIS, EDWARD S POCATELLO PRICE, JULIE WALTER KNOX MEMORIAL KARALFA, BARRY L SODOAFF, STEVEN A HOSPITAL NEUMAYER, WILLIAM BANNOCK REGIONAL OHMAN, LARRY MEDICAL CENTER SODA SPRINGS STEIGER, KELLY A BENEDETTI, C RIC GOODING WARD, MICHAEL F DESFOSSES, DANNY MARTIN, ALLEN B CARIBOU MEMORIAL GOODING COUNTY PECK, SHARIK L HOSPITAL MEMORIAL HOSPITAL MCCALL COX, DOUGLAS P OTTO, MICHAEL E FILER BURICA, INGRID A POST FALLS ZAK, PATRICK J ANDREWS, DAVID ST ANTHONY MUSSMANN, DAVEE HILLMAN, DAVID MALAD CITY THORESON, NATHANIEL SCHWAB, STEVEN VERHAEGHE, ERIC FRUITLAND ONEIDA COUNTY HOSPITAL ST MARIES NATTRESS, K BRETT PRESTON MERIDIAN BENEWAH COMMUNITY FRANKLIN COUNTY MEDICAL HOSPITAL IDAHO FALLS CROTHERS, ALAN B CENTER RAY, DAVID S SUN VALLEY BELNAP, BRYANT SCHOW, MIKE COLUMBIA-EASTERN IDAHO THOMASON, JEFFERY A RATHDRUM REGIONAL MEDICAL WEBER, REX C WOOD RIVER MEDICAL CENTER WHITE, BRIAN BARTOO, GARY CENTER ELLIS, JAY J HALL, LEOLA E GRIFFETH, RUSSELL KENNEDY, GARRETT T K TWIN FALLS HORMAN, BRIGGS MONTPELIER TOEWS, N LARRY HUNTER, SUSAN V HUNTSMAN, BRYAN BEAR LAKE MEMORIAL CLARK, RANDY MELLING, JOHN F HOSPITAL REXBURG CUNNINGHAM, DEBRA F MILLER, WAYNE A ELLIS, JULIE PEARSON, BRAD 0 MADISON MEMORIAL GILLETTE, DENNIS STORMS, TODD MOSCOW HOSPITAL HUNT, TIMOTHY WOODLAND, LYNN RAWLINGS, JODY B JENSEN, JOY R BARON,MARTHA SCHWAB, STEVEN LITTLE, DAVE B GRITMAN MEDICAL CENTER THORNTON, DONALD MAGIC VALLEY REGIONAL JEROME KIPP, CHRISTINE MEDICAL CENTER PERRINE, SARA MAYES, DARYL DEAN ST BENEDICTS FAMILY SCHLANGEN,COLLEEN RIGBY SCHWEAMAN, JULIE MEDICAL CENTER STEPHENS, MARCIE TANNER, JAMES C MOBLEY, TRACY WAGNER, CHARLES SCHWAB, STEVEN YINGST, 0 JAN KELLOGG MOUNTAIN HOME HALL, SCOTT ELMORE MEDICAL CENTER RUPERT WEISER SHOSHONE MEDICAL SESSIONS, SCOTT W CENTER AIKEN, JERRY HOOPES, GARY BLOXHAM, SCOTT MEMORIAL HOSPITAL CONLEE, DOREEN 0 20 PAI:FI:AAED PAOVIDI:A DIAI:CTOAY -j BlueCross@ of Idaho ., An Independent Licensee of the Blue Cross and Blue Shield Association '. - '---.. . Street Address: 3000 E. Pine Ave.. Meridian, 10 83642-5995 Mailing Address: P.O. Box 7408, Boise. 1083707-1408