1. Move Current Health plan to:
   High Deductible Health Plan
   $5000 Deductible – Best Option
   100%  Coverage (For most hospital/surgical services) after deductible
   Co-pays for most preventive and routine services
2. Add: Group Transamerica “Transconnect” Plan
   Up to $5,000 coverage for:
   Hospital/surgical   deductibles/coinsurances
   Guaranteed issue Pre-existing conditions covered
   Spreadsheet enrollment
   Outpatient Surgical covered at 50% base coverage
   X-Rays covered at 50% base coverage
   Outpatient Lab Tests  subject to overall deductible
   Benefits exclude Mental Health deductibles/coinsurances
   Accident  & Critical Care Coverage’s-Optional

Result: Two Health Plans cost less than One Big Health Plan.
Employees now receive “First Dollar” coverage!