1. IDMI Systems
Medical Plan Overview

2. Why the Change?
• Cost Savings – The change in the plan will save both IDMI and the
employees money.
• Control – The new structure gives us greatly flexibility and makes
changes easier.
• Protection – Depending on the full implementation of the current
health care laws, the Group High Deductible plan may become
overly burdensome for a company our size.

3. What is the Change?
• Structure – The medical trust account of our current plan will not
change.
• Overall Plan – The group plan will go away with each employee
being issued individual policies.
• Network / Carrier – There will be no change in that the bulk of our
policies will be through Cigna.
• Coverage – No change in coverage, however, there will be certain
advantages and additional coverage.

4. What are the Disadvantages?
• Applications – Everyone will have to resubmit an application.
• Medical Coverage Cards – The coverage will be implemented using
two cards: One standard medical card from Cigna and one
Supplemental Card.
• Eligibility – Certain employees with conditions may not qualify as an
individual with Cigna.

5. How will the Two Card Work?
• This will be the ‘standard’ medical coverage card you are
used to using.
Cigna
• It will be a high deductible plan with coverages very
similar to the coverages we have now.
• This will be the supplemental medical coverage card you
will now use at each visit.
2nd
Card • It will cover a portion of your deductible and any ‘gaps’ in
coverage that the new plan has.

6. What if I Don’t Qualify?
• For those that do not qualify for the Cigna plan, the application will
be resubmitted to the state assigned plan.
• The state assigned pool is not the respective state version of
Medicare (e.g. PeachCare).
• All insurers by law are required to participate in a state assigned
pool for those individuals that are turned down for coverage and
their employer does not offer a group policy.
• Once submitted, you will be assigned to a medical carrier. It may be
Blue Cross Blue Shield, Aetna, or even Cigna.

7. What is my coverage on state plan?
• The coverage will be the same.
• As discussed, by using our supplemental coverage card, that we
control, it will augment the plan to make it the same as other
employees.
• Your issued card from the assigned carrier will be the same card as
if you applied individually straight to them.
• The coverages will simply be the state mandated coverage.

8. Other Points
• Being an individual plan, if you leave the company you can choose
to pay the premiums and take your coverage with you.
• Many doctors are already becoming very familiar with using two
cards, a primary and supplemental.
• If you have claims during a given year, the carrier can not adversely
raise your premiums. The rate will stay the same.
• Certain drug programs and prescriptions will be reduced.

9. What are the costs?
• Depending your plan (individual, family, etc.) and your length of
service with IDMI, your premiums will be reduced as outlined below:
Discounts for Length of Employment
Years Premium Reduction Deductible Reduction
3 25%
5 50% 50%
10 75% 100%
• For those with less than 3 yrs, your withholdings will stay the same.

10. Deductible Costs?
• The deductibles / out of pocket will stay the same as they are now.
• Using the supplemental card, this is how we accomplish that.
However, the way you pay your deductible will now be spread out.
• All out of pocket money will be in the form of co-pays:
30 OP Hospital / Alt Care Facility $500 copay
40 Emergency Room $200 copay
• So the deductible will not be front end loaded.

11. How is it we can save money?
• The plans themselves have very high deductibles.
• While they are ‘Individual Plans’ the law does not allow the insurance
carriers to adversely target an individual because of claims.
• Any increases must be across the board for your particular
demographic category.
• In other words, you and every individual in the state make up a
‘group’
• Our implementation goes direct to the carrier with no agent involved.

12. Summary
• Your coverage will not be changing.
• Your payroll deductions will not increase and will decrease for many.
• Your out of pocket will be spread out over the year, rather than a
huge amount up front.
• IDMI is maintaining its medical trust account to provide the flexibility
needed.
• Lastly, we are changing TPA providers that implement this plan (i.e.
we will no longer be using Capital Administrators)