benefit plans

Summary Plan Description (SPD)  effective July 1, 2006

Amendment 1 to Summary Plan Decription (SPD) effective November 1, 2006

Amendment 3 to Summary Plan Decription (SPD) effective April 1, 2007

Amendment 2 to Summary Plan Decription (SPD) effective July 1, 2007

Amendment 4 to Summary Plan Decription (SPD) effective January 1, 2008

Amendment 5 to Summary Plan Decription (SPD) effective January 1, 2008

Amendment 6 to Summary Plan Decription (SPD) effective January 1, 2008

Amendment 7 to Summary Plan Decription (SPD) effective January 1, 2008

Amendment 8 to Summary Plan Decription (SPD) effective July 1, 2008

Benefit Summary 2007-08

Benefit Summary 2008-09

The mission of the MACo Health Care Trust is to provide the health benefit package of choice for your county or county-related board or district. MACo Health Care Trust provides multiple benefit plans, excellent customer service, cost-effective management, and a solid financial base. Benefit design options, coupled with multiple deductible selections, enable MACo-affiliated groups to tailor their plan(s) to local needs.

MACoHCT plan options:

• Revised Major Medical Plan This plan is similar to the Comprehensive Major Medical plan, with the addition of “first dollar” coverage (deductible waived) for doctor’s office visits, diagnostic X-ray and lab services, and chiropractic care. A range of deductible options is available.

• Comprehensive Major Medical Plan This plan provides broad coverage with a range of deductible options.

• Basic Medical Plan (no minimum employee participation required) The Basic plan provides reduced benefits and plan maximums for those who desire less coverage and a low premium. There is no pharmacy benefit with this plan.

• HSA-Qualifying High Deductible Health Plan (no minimum employee participation required) This plan satisfies federal requirements for employees who wish to open a Health Savings Account (HSA). This plan provides broad coverage with a single deductible and out-of-pocket maximum for both medical and pharmacy charges.

In addition, ALL plans provide wellness benefits with no deductible. This provides a tremendous value to all participants, encouraging them to obtain annual checkups, well-child care, and other preventive exams at little or no out-of-pocket expense.

Pharmacy Benefit Plan:  Comprehensive Major Medical, and Revised Major Medical plans have a separate pharmacy benefit with a $50 deductible per individual, and tiered copayments for generic, preferred, and non-preferred drugs.

The Basic plan and the Health Savings Account (HSA) qualified plan do not have a separate pharmacy benefit. Please note:

• If you are enrolled in the Basic plan, you pay for your own prescriptions.
• If you are enrolled in the HSA-qualified plan, you pay for your own prescriptions until your medical deductible is met, and then prescriptions are covered the same as any other medical service.

Dental and Vision plans:  Groups may elect to include Dental coverage and/or Vision coverage with their medical plan.

The Summary Plan Description and subsequent Amendments provide detailed information about covered services, plan limitations and exclusions, and eligibility for coverage under the MACoHCT benefit plans.