# City Plans GIC Plans Difference 80% Monthly Savings Annual Savings

OOA Comm Indemnity Comprehensive

Individual 64 $819.86 $767.55 $52.31 $41.85 $2,678.27 $32,139
Family 29 $1,987.05 $1,791.79 $195.26 $156.21 $4,530.03 $54,360
$86,500
POS TUFTS Navigator
Individual 143 $819.86 $519.07 $300.79 $240.63 $34,410.38 $412,925
Family 158 $1,987.05 $1,250.70 $736.35 $589.08 $93,074.64 $1,116,896
$1,529,820
POS Comm Indemnity Comprehensive
Individual 16 $819.86 $767.55 $52.31 $41.85 $669.57 $8,035
Family 17 $1,987.05 $1,791.79 $195.26 $156.21 $2,655.54 $31,866
$39,901
EPO TUFTS Navigator
Individual 665 $556.52 $519.07 $37.45 $29.96 $19,923.40 $239,081
Family 813 $1,506.20 $1,250.70 $255.50 $204.40 $166,177.20 $1,994,126
$2,233,207
Harvard HMO Harvard Independence
Individual 598 $572.31 $526.29 $46.02 $36.82 $22,015.97 $264,192
Family 573 $1,554.36 $1,273.72 $280.64 $224.51 $128,645.38 $1,543,745
$1,807,936
Harvard FS Freedom Harvard Medicare Enhance
Individual 10 $218.00 $349.97 ($131.97) ($105.58) ($1,055.76) ($12,669)

Harvard FS Freedom Tufts Medicare Complement

Individual 10 $218.00 $321.63 ($103.63) ($82.90) ($829.04) ($9,948)

Tufts Medicare Preferred Tufts Medicare Preferred

Individual 153 $164.00 $178.09 ($14.09) ($11.27) ($1,724.62) ($20,695)

Tufts Medicare Complement Harvard Medicare Enhance

Individual 1,508 $376.20 $349.97 $26.23 $20.98 $31,643.87 $379,726

Tufts Medicare Complement Tufts Medicare Complement

Individual 167 $376.20 $321.63 $54.57 $43.66 $7,290.55 $87,487

Medicare HMO Blue Tufts Medicare Preferred

Individual 11 $223.50 $178.09 $45.41 $36.33 $399.61 $4,795

4,935 Total City Savings $6,126,060

City of Newton
GIC Evaluation FY10 City Plans Best Case
 # City Plans GIC Plans Employee Savings
OOA Comm Indemnity Comprehensive City Cost GIC Cost Employee Savings Annual Savings
Individual 64 $819.86 $767.55 $1,967.66 $1,842.12 $125.54 $8,035
Family 29 $1,987.05 $1,791.79 $4,768.92 $4,300.30 $468.62 $13,590
$21,625
POS TUFTS Navigator
Individual 143 $819.86 $519.07 $1,967.66 $1,245.77 $721.90 $103,231
Family 158 $1,987.05 $1,250.70 $4,768.92 $3,001.68 $1,767.24 $279,224
$382,455
POS Comm Indemnity Comprehensive
Individual 16 $819.86 $767.55 $1,967.66 $1,842.12 $125.54 $2,009
Family 17 $1,987.05 $1,791.79 $4,768.92 $4,300.30 $468.62 $7,967
$9,975
EPO TUFTS Navigator
Individual 665 $556.52 $519.07 $1,335.65 $1,245.77 $89.88 $59,770
Family 813 $1,506.20 $1,250.70 $3,614.88 $3,001.68 $613.20 $498,532
$558,302
Harvard HMO Harvard Independence
Individual 598 $572.31 $526.29 $1,373.54 $1,263.10 $110.45 $66,048
Family 573 $1,554.36 $1,273.72 $3,730.46 $3,056.93 $673.54 $385,936
$451,984
Harvard FS Freedom Harvard Medicare Enhance
Individual 10 $218.00 $349.97 $523.20 $839.93 ($316.73) ($3,167)

Harvard FS Freedom Tufts Medicare Complement

Individual 10 $218.00 $321.63 $523.20 $771.91 ($248.71) ($2,487)

Tufts Medicare Preferred Tufts Medicare Preferred

Individual 153 $164.00 $178.09 $393.60 $427.42 ($33.82) ($5,174)

Tufts Medicare Complement Harvard Medicare Enhance

Individual 1,508 $376.20 $349.97 $902.88 $839.93 $62.95 $94,932

Tufts Medicare Complement Tufts Medicare Complement

Individual 167 $376.20 $321.63 $902.88 $771.91 $130.97 $21,872

Medicare HMO Blue Tufts Medicare Preferred

Individual 11 $223.50 $178.09 $536.40 $427.42 $108.98 $1,199

4,935 Total Employee Savings $1,531,515

City of Newton
GIC Evaluation FY10 City Plans Best Case
 # City Plans GIC Plans Difference 80% Monthly Savings Annual Savings
OOA Comm Indemnity Comprehensive
Individual 64 $819.86 $767.55 $52.31 $41.85 $2,678.27 $32,139
Family 29 $1,987.05 $1,791.79 $195.26 $156.21 $4,530.03 $54,360
$86,500
POS TUFTS Navigator
Individual 119 $819.86 $519.07 $300.79 $240.63 $28,635.21 $343,622
Family 131 $1,987.05 $1,250.70 $736.35 $589.08 $77,169.48 $926,034
$1,269,656
POS Comm Indemnity Comprehensive
Individual 40 $819.86 $767.55 $52.31 $41.85 $1,673.92 $20,087
Family 44 $1,987.05 $1,791.79 $195.26 $156.21 $6,873.15 $82,478
$102,565
EPO TUFTS Navigator
Individual 599 $556.52 $519.07 $37.45 $29.96 $17,946.04 $215,352
Family 732 $1,506.20 $1,250.70 $255.50 $204.40 $149,620.80 $1,795,450
$2,010,802
EPO Comm Indemnity Comprehensive
Individual 66 $556.52 $767.55 ($211.03) ($168.82) ($11,142.38) ($133,709)
Family 81 $1,506.20 $1,791.79 ($285.59) ($228.47) ($18,506.23) ($222,075)
($355,783)
Harvard HMO Harvard Independence
Individual 598 $572.31 $526.29 $46.02 $36.82 $22,015.97 $264,192
Family 573 $1,554.36 $1,273.72 $280.64 $224.51 $128,645.38 $1,543,745
$1,807,936
Harvard FS Freedom Harvard Medicare Enhance
Individual 10 $218.00 $349.79 ($131.79) ($105.43) ($1,054.32) ($12,652)

Harvard FS Freedom Tufts Medicare Complement

Individual 10 $218.00 $321.63 ($103.63) ($82.90) ($829.04) ($9,948)

Tufts Medicare Preferred Tufts Medicare Preferred

Individual 153 $164.00 $178.09 ($14.09) ($11.27) ($1,724.62) ($20,695)

Tufts Medicare Complement Harvard Medicare Enhance

Individual 1,341 $376.20 $349.79 $26.41 $21.13 $28,332.65 $339,992

Tufts Medicare Complement Tufts Medicare Complement

Individual 334 $376.20 $321.63 $54.57 $43.66 $14,581.10 $174,973

Medicare HMO Blue Tufts Medicare Preferred

Individual 11 $223.50 $178.09 $45.41 $36.33 $399.61 $4,795

4,935 Total City Savings $5,398,140

City of Newton
GIC Evaluation FY10 City Plans Worst Case
 # City Plans GIC Plans Employee savings
OOA Comm Indemnity Comprehensive City Cost GIC Cost Employee Savings Annual Savings
Individual 64 $819.86 $767.55 $1,967.66 $1,842.12 $125.54 $8,035
Family 29 $1,987.05 $1,791.79 $4,768.92 $4,300.30 $468.62 $13,590
$21,625
POS TUFTS Navigator
Individual 119 $819.86 $519.07 $1,967.66 $1,245.77 $721.90 $85,906
Family 131 $1,987.05 $1,250.70 $4,768.92 $3,001.68 $1,767.24 $231,508
$317,414
POS Comm Indemnity Comprehensive
Individual 40 $819.86 $767.55 $1,967.66 $1,842.12 $125.54 $5,022
Family 44 $1,987.05 $1,791.79 $4,768.92 $4,300.30 $468.62 $20,619
$25,641
EPO TUFTS Navigator
Individual 599 $556.52 $519.07 $1,335.65 $1,245.77 $89.88 $53,838
Family 732 $1,506.20 $1,250.70 $3,614.88 $3,001.68 $613.20 $448,862
$502,701
EPO Comm Indemnity Comprehensive
Individual 66 $556.52 $767.55 $1,335.65 $1,842.12 ($506.47) ($33,427)
Family 81 $1,506.20 $1,791.79 $3,614.88 $4,300.30 ($685.42) ($55,519)
($88,946)
Harvard HMO Harvard Independence
Individual 598 $572.31 $526.29 $1,373.54 $1,263.10 $110.45 $66,048
Family 573 $1,554.36 $1,273.72 $3,730.46 $3,056.93 $673.54 $385,936
$451,984
Harvard FS Freedom Harvard Medicare Enhance
Individual 10 $218.00 $349.79 $523.20 $839.50 ($316.30) ($3,163)

Harvard FS Freedom Tufts Medicare Complement

Individual 10 $218.00 $321.63 $523.20 $771.91 ($248.71) ($2,487)

Tufts Medicare Preferred Tufts Medicare Preferred

Individual 153 $164.00 $178.09 $393.60 $427.42 ($33.82) ($5,174)

Tufts Medicare Complement Harvard Medicare Enhance

Individual 1,341 $376.20 $349.79 $902.88 $839.50 $63.38 $84,998

Tufts Medicare Complement Tufts Medicare Complement

Individual 334 $376.20 $321.63 $902.88 $771.91 $130.97 $43,743

Medicare HMO Blue Tufts Medicare Preferred

Individual 11 $223.50 $178.09 $536.40 $427.42 $108.98 $1,199

4,935 Total Employee Savings $1,349,535.05

City of Newton
GIC Evaluation FY10 City Plans Worst Case
 City of Newton Cost Savings Scenarios for Joining the GIC

Employee
Scenario City Savings Savings Assumptions
OOA to Indemnity, POS to Navigator (90%) and Indemnity (10%), EPO to Navigator, HPHC to
Harvard Ind., MCP to HME (90%) and TMC (10%), HMO Blue to TMP, Harv Freedom to HME
Best Case 6,126,060 1,531,515 (50%) and TMC (50%)
OOA to Indemnity, POS to Navigator (75%) and Indemnity (25%), EPO to Navigator (90%) and
Indemnity (10%), HPHC to Harvard Ind.(100%), MCP to HME (80%) and TMC (20%), HMO
Worst Case 5,398,140 1,349,535 Blue to TMP, Harv Freedom to HME (50%) and TMC (50%)

GIC Evaluation FY10 City Plans Summary