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,4 CITY OF SUNNY ISLES BEACH do not have the additional charge which is a benefit. Finally,Cigna has offered the option of the Local Plus Network which has approximately 10%disruption from the current INOAP network.We have provided a list of physicians that are included in this disruption and see that 90%of the 10%are mental health providers.This pairing is at a 17.47%increase over current. Dental Plan Cigna originally proposed a 10.62%increase.We were successful in negotiating with no benefit changes to a 4.14%increase. Humana has offered a Dual Option dental plan offering enriching the PPO plan by offering Resin Composite Fillings on all teeth and an additional 30%benefit after the$1,500 has been exhausted.They in addition are offering an annual savings of$12,192.44.Our recommendation would be to switch to Humana to increase the benefit to the employee and cost savings. Vision Plan EyeMed was in the middle of a rate pass until 2017. Humana has offered comparable benefits with increased Contact lens coverage and the option to obtain new frames every 12 months in lieu of the current EyeMed plan every 24 months.They are offering with the same rate guarantee until 2017 with an annual savings of $2,183.40.Our recommendation is to move along with the dental to Humana. Ancillary Plans Mutual of Omaha was in a rate lock, but we did approach the carrier regarding rate relief as their competitors were offering comparable benefits at lower pricing. Lincoln has been able to match the current life, LTD,STD and Vol Life contract,offer a true open enrollment for employees to increase their coverage without evidence of insurability, a larger guarantee issue on the voluntary life with a 24 month rate guarantee.The change to this carrier would result in the annual savings of$18,756.37 compared to current pricing. It is our recommendation to move coverage to Lincoln. 41Page ;air.n jCf •IT ip�KiTlltii}