benefit plans

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2010 Summary Plan Description (SPD) effective July 1, 2010

(The terms of the 2010 SPD are effective on July 1, 2010 for all Member Groups regardless of renewal date.)

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2008 Summary Plan Description (SPD) effective July 1, 2008

(The terms of the 2008 SPD will become effective on the Member Group's effective date or next annual renewal date concurent with or after July 1, 2008)

FMLA Amendment to 2008 SPD

ARRA Amendment to 2008 SPD

COBRA/ARRA Amendment to 2008 SPD

CHIP/HIPAA Amendment to 2008 SPD

Benefit Changes / Amendment #11 to 2008 SPD

                                Correction to Amendment #11

Amendment #13 to 2008 SPD

COBRA/ARRA Extension Amendment to 2008 SPD

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2010-2011 Benefit Summary* effective July 1, 2010

*The Benefit Summary is an easy-to-use reference guide to the benefits available in each MACoHCT plan. This document is intended only as a summary and does not supersede the more detailed information provided in the Summary Plan Description and Amendments.

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2009-2010 Benefit Summary* effective July 1, 2009

*The Benefit Summary is an easy-to-use reference guide to the benefits available in each MACoHCT plan. This document is intended only as a summary and does not supersede the more detailed information provided in the Summary Plan Description and Amendments.

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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.

• Catastrophic Medical Plan (no minimum employee participation required)

              This plan provides the same broad coverage as the Comprehensive Major

               Medical Plan, but with a significantly higher deductible.

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:  The Revised Major Medical, Comprehensive Major Medical and Catastrophic Medical plans have a separate pharmacy benefit with a $50 deductible per individual, and tiered copayments for generic, preferred, and non-preferred drugs. The maximum out-of-pocket limit for prescriptions per benefit year is $1,500. Once the maximum out-of-pocket limit is satisified, the plan pays 100% of all eligibile prescriptions for the remainer of the benefit year.

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 prescriptions until your medical deductible is met, and then prescriptions are covered the same as any other medical service. Prescription receipts need to be submitted to the MACoHCT Claims Department in order to receive credit towards the medical deductible and to received reimbursements.

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

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