Insurance Coverage and Employee Benefits Survey 2009-10. September 2010

Insurance Coverage and Employee Benefits Survey 2009-10 September 2010

ACKNOWLEDGEMENT The VEA acknowledges the valuable assistance given by division superintendents and staff. Their replies to VEA questionnaires make many of our research studies possible. PROJECT TEAM Carol Donohue Linda Shotwell Copyright 2010 by Virginia Education Association, Incorporated Price of Report: $5.00 plus 5% sales tax per copy No charge for single copies to individual VEA members. No charge for first 5 copies ordered by a local association. VEA member discount: 10-49 copies, 10%; 50-99 copies, 15%; 100 or more copies, 20%. No discount to nonmembers. Payment must accompany all orders. Order from the Virginia Education Association, 116 South Third Street, Richmond, VA 23219.

Insurance Coverage and Employee Benefits Survey 2009-10 September 2010

Table of Contents Page Introduction... 1 Narrative Health Insurance Coverage Health Insurance Carrier/Plan Information... 2 Policy Provisions... 2 Teachers Enrolled in Health Insurance Plans... 3 Health Insurance Annual Premium Costs... 4 Narrative Other Insurance Coverage Stand Alone Dental and Vision Insurance Policies... 7 Disability and Other Insurance... 8 Insurance Coverage for Teachers on Official Leave and for Retired Teachers... 8 Local Retirement Plans and Flexible Spending Accounts... 8 Suggested Guidelines for Insurance... 10 Glossary of Terms... 11 Tables Health Insurance Coverage Table 1: Health Insurance Carrier/Plan Information... 13 Table 2: Policy Provisions... 18 Table 3: Teachers Enrolled in Health Insurance Plans... 24 Table 4(a): Health Insurance Annual Premium Costs (Emp. Only, Emp. & One, Emp. & Spouse, Family)... 27 Table 4(b): Health Insurance Annual Premium Costs (Employee & Children)... 33 Tables Other Insurance Table 5(a): Stand Alone Dental Insurance Coverage (Emp. Only, Emp. & One, Emp. & Spouse, Family)... 35 Table 5(b): Stand Alone Dental Insurance Coverage (Employee & Children)... 39 Table 6(a): Stand Alone Vision Insurance Coverage (Emp. Only, Emp. & One, Emp. & Spouse, Family)... 40 Table 6(b): Stand Alone Vision Insurance Coverage (Employee & Children)... 42 Table 7: Disability and Other Insurance Coverage Offered and Division Contributions... 43 Table 8: Insurance Coverage Available for Teachers on Official Leave... 48 Table 9: Health Insurance Coverage for Retired Teachers... 53 Table 10: Local Retirement Defined Benefit Plans and Tax Sheltered Annuities... 59 Table 11: Early Retirement Incentive Plans and Flexible Benefit Plans... 60 Table 12: Flexible Benefit Plans... 63

Insurance and Benefits 2009-10 Introduction The Insurance Coverage and Employee Benefits Survey displays data about employee benefits in Virginia public schools for 2009-10. The variety of the fringe benefits offered is diverse across the Commonwealth. All school divisions provide health insurance, including prescription drug benefits, to teachers. The graph below shows the most commonly offered benefits, excluding the universally offered health insurance and the number of local school divisions offering each benefit. Localities and Benefits 120 100 80 60 40 20 0 112 90 93 49 Flexible Spending Stand-alone Dental Disability Ins. Early Retirement Surveys were completed by 125 of Virginia s 132 school divisions and the data in this report were compiled from those surveys. The report is organized into two sections. A narrative is in section one. The second section shows detailed tables on health insurance and other kinds of coverage. The comment sections of some tables contain qualifications or additional information given by localities. VEA edits comments for clarity and space limitations. Virginia Education Association 1

Health Insurance Coverage Health Insurance Carrier/Plan Information Table 1 (Pages 13-17) shows the name of the insurance company plan selected by the majority of participants as well as the type of plan. Anthem is the primary carrier for most of the school divisions in the state. About 72% or 90 of 125 reporting school divisions have an Anthem plan. The majority of school divisions have most employees enrolled in a PPO plan (73 of 125 reporting divisions). Other services included in the plan such as prescriptions, dental care and vision care are shown. Most localities use just school employees experience in their insurance plan (81 or 65%). One hundred twenty-five plans include prescription coverage as part of their health insurance premium. Dental health insurance coverage is available under the primary carrier for 45 plans. Many others provide a stand-alone plan. Vision coverage is available under the primary carrier for 118 plans. Some localities offer stand-alone vision coverage. Policy Provisions Policy provisions for the health insurance plan chosen by the majority of teachers in each school division are presented in Table 2 (Pages 18-23). The table shows deductibles for individual and family policies, the stop-loss amount for individual and family policies, HMO/PPO cost per visit, the maximum amount allowed for major medical care, the co-insurance percentage, and whether or not the policy requires pre-authorization. Individual deductibles range from $100 to $3,000, with an average deductible amount of $434 for the 67 school divisions that reported a deductible (fifty-eight divisions reported their plans had no deductible). Family deductibles range from $150 to $6,000, with an average deductible amount of $941 for the 67 school divisions that reported a deductible. Stop-Loss amounts range from $500 for Employee Only in Fairfax to $10,000 for Family coverage in Pittsylvania and Pulaski. One hundred fifteen of respondents have a stop loss provision. Virginia Education Association 2

Most school divisions 89% or 111 divisions - have no maximum on medical benefits. The 13 localities that do report a maximum most often have a cap of $1 million. One locality did not respond to the question. Office Visit costs ranged from $0 to $50, with a $15 (Primary Care Physician) to $40 (Specialist) co-pay being the most common. Most school division health plans (121) call for a co-pay. Eighty-four divisions require co-insurance for visits with most (61) at an level. A second opinion is required for only three policies; however 89 require pre-authorization. Teachers Enrolled in Health Insurance Plans Table 3 (Pages 24-26) shows the number of full-time equivalent teachers who are eligible to enroll in all health insurance plans, the number actually enrolled in these health insurance plans, and the percentage of those eligible who are enrolled. Caution should be used when interpreting these data; in some instances, the number of teachers reported by local school divisions as eligible or participating in available health insurance plans may include other school employees or retirees in addition to teachers. All localities have at least 1/3 of eligible teachers participating in an available health care plan. Participation rates of 90% or higher can be found in 7 localities. On average, about 76% of eligible employees are enrolled in each locality. Virginia Education Association 3

Health Insurance Annual Premium Costs The graph below shows the average total cost of health insurance over the past five years. The cost of coverage has increased about 25% between 2005-06 and 2009-10. Coverage for employee-only increased $950 from an average of $4,684 a year to $5,634, while Family premiums have gone up $2,733 from $12,344 to $15,077. 16000 Average Total Cost of Health Insurance 11000 6000 1000 2005-06 2006-07 2007-08 2008-09 2009-10 Employee Only Employee + One Employee + Spouse Family Tables 4(a) and 4(b) (Pages 27-34) show the total cost of the premium and the amount paid by the school board. In Table 4(a), the data are shown for Employee Only, Employee and One Dependent, Employee and Spouse, and Family. Table 4(b) gives the information for the school divisions offering an Employee and Children rate. School Boards pay a larger percentage of the total costs for Employee-Only coverage; on average, School Divisions pay 88% of the cost. Sixteen school divisions or 13% cover all of the cost of employee only insurance. The average employer pick-up of costs for Family coverage is just over 50%, with employees picking up an average cost of $7,334. Out-of-pocket premium costs vary dramatically across localities and across coverage types. The premium percentage paid by localities ranges from 19% to 100% depending on the type of coverage. Virginia Education Association 4

The chart below gives summary information on total cost for health insurance premiums in 2009-10. Description Total Premium Employee Only Minimum 3,174 Maximum 7,795 Average 5,634 Employee and One Dependent Minimum 5,294 Maximum 13,542 Average 9,275 Employee and Spouse Minimum 6,665 Maximum 15,848 Average 11,003 Family Minimum 9,241 Maximum 22,822 Average 15,077 Teachers who pay part of the premiums pay between $12 and $3,018 annually for Employee Only plans. The average total cost of Employee Only plans is $5,634; the teacher s share of the premium, on average, is $715 of the total cost. Total Employee Only premium costs in 2009-10 ranged from $3,174 to $7,795 Virginia Education Association 5

The teachers share of annual costs for Employee plus One Dependent plans is between $360 and $7,320. The average total cost of Employee and One Dependent plan is $9,275; the teacher average share is $3,242 (35%). The maximum total cost for this coverage is $13,542 and the minimum is $5,294. The teachers cost is between $181 and $9,260 for Employee and Spouse plans. On average, teachers pay $4,629. The average total cost of Employee and Spouse plans is $11,003, ranging from $6,665 to $15,848. The out of pocket cost to teachers is between $275 and $13,809 for Family plans. The average cost to the teacher for Family plans is about $7,338 or about half of the total average cost. The total cost for Family coverage ranges from $9,241 to $22,822. The average of the family plan is $15,077. Employees Average Out-of-Pocket Costs for Health Insurance Premiums 10,000 6,338 6,539 6,720 6,884 7,338 2,855 3,988 2,867 4,166 2,940 3488 3,022 4,373 3,242 4,629 5,000 670 683 659 644 715 2005-06 2006-07 2007-08 2008-09 2009-10 Employee Only Emp. + One Emp. + Spouse Family 0 About 74% or 92 local school divisions reported a separate category of Employee and Children for health insurance premiums. These localities are shown in Table 4(b). Health insurance costs take a large bite out of educator s paychecks. In many localities, the salary of a ten-year teacher who pays for family coverage is considerably less after this deduction than the pay of a starting teacher. Virginia Education Association 6

In Lunenburg, as one example, a starting teacher in 2009-10 made $36,129. The teacher s share of the health insurance costs (Employee Only coverage) took $1,366 from the paycheck, leaving $34,763 after the health insurance costs. Veteran teachers making $39,455 (ten years experience) paying their share of family insurance premiums of $10,656, netted, after that deduction, less than $29,000. Health insurance costs can significantly reduce the salary of experienced teachers. In 94 of the 125 school divisions in the state that reported, teachers with ten years on the job make less, after the health insurance deduction, than do beginning educators. Other Insurance Coverage Additional insurance coverage is available to some school division employees. Other insurance offered includes coverage for such things as disabilities, dental and vision care, inpatient hospital payments, and cancer insurance. Stand Alone Dental and Vision Insurance Policies Dental and vision insurance are offered separately from health insurance in many jurisdictions (Tables 5 and 6, Pages 35-42). Dental insurance as a separate product is offered by about 75% or 90 localities; stand alone vision insurance is less common, offered by only 18% or 22 school divisions. Of the 90 school divisions with stand alone dental coverage available, the cost is borne completely by the employee in over half of the jurisdictions (53). The provisions in the dental insurance plans (Table 5, pages 35-39) vary significantly from place to place as do premiums, which range from $155 to $1,576 depending on the locality and type of coverage. Thirteen school divisions provide 100% of the Employee Only cost. Eighteen school divisions contribute a set amount regardless of the type of coverage. Table 6 (Page 40) shows stand alone vision coverage that is available to school division employees as reported by 22 school divisions. Although the school divisions make these policies available, only one school division pays any portion of any type of plan. Costs for Employee Only coverage range from $57 to $171. Family plans range from $141 to $392 a year. Virginia Education Association 7

Disability and Other Insurance School divisions offer other kinds of insurance to educators. Table 7 (Pages 43-47) gives information on other types of insurance. Ninety-three localities offer disability insurance. Other insurances shown in Table 7 include long term care, cancer, and accident insurance plans. Insurance Coverage for Teachers on Official Leave and for Retired Teachers On Leave Many school divisions allow teachers on official leave to continue in their group insurance plans. Table 8 (Pages 48-52) shows Life, Health, and Income Protection plans that may be continued. Special conditions may apply. Retirees Similarly, many school divisions allow teachers who have retired from the school division to continue in the health insurance plans in which they were enrolled. Table 9 (Pages 53-58) displays insurance coverage information for retired teachers. Again, certain conditions may apply. The table shows the period of time that retired teachers may remain in the group health insurance plan beyond the required eighteen-month COBRA period, as well as cost information. Forty-six school divisions participate in the payment of health insurance premiums for retired teachers. Their contribution ranges from $120 to $7,045 annually. Table 9 also gives additional details on insurance for retirees. Local Retirement Plans and Flexible Spending Accounts There are other benefit programs in place for teachers in many local school divisions. Local retirement options, early retirement plans, and flexible spending accounts are fairly common offerings. Teachers in all Virginia school divisions participate in the Virginia Retirement System, a Defined Benefit Program. Table 10 (Page 59) shows local school divisions with a locally-provided Defined Benefit Plan for retired teachers, as well as Tax Sheltered Annuities (TSA) and the amount the locality contributes to the TSA. Five localities reported that they had a local defined benefit retirement program. All school divisions have a TSA available to Virginia Education Association 8

staff; fourteen report a local contribution to this retirement option. Contributions are sometimes dollar amounts and sometimes a percentage of salary. Tables 11 and 12 (Pages 60-65) show the availability of the Early Retirement Incentive Plan (ERIP) and Flexible Benefit Plans. Both benefits are available in many localities. ERIP plans are available in 49 localities. Health care flexible spending accounts are available in 112 localities. Dependent care flexible spending accounts are available in 101 localities. Conclusion Health Care costs continue to climb for educators in the State and for everyone across the nation. some guidelines regarding health insurance and other benefits that are summarized on page 10. VEA has Virginia Education Association 9

Suggested Guidelines for Insurance Association representatives should be included on health insurance committees that develop and evaluate proposals from health care vendors. The Association should be represented on any committee looking at methods of controlling costs or enhancing services including regional coalitions, tiered prescription plans, health management programs, wellness programs, and cafeteria-style benefit plans. The Association should analyze trend information on claims experience and other relevant data for each school division health insurance renewal. Associations should work to ensure that health insurance plans don t impose large out-of-pocket costs for employees through unreasonable cost shifting mechanisms such as deductions, co-pays or stop-loss provisions. Associations should study the advantages and disadvantages of alternatives for controlling health care costs: pharmacy benefits managers; prescription drug audits; health savings accounts; regional consortia; the State s Local Choice Plans, etc. All School Divisions should make available group insurance plans for health insurance, dental insurance, vision and disability insurance to employees and their family members and should contribute to the premiums for these plans. The School Division s percentage share of health premiums should never decrease. School Divisions should pay 100% of the costs of Employee-Only health coverage for health and dental care and should contribute at least 70% of the costs for other health insurance options: employee and spouse; employee and dependents; and family. School Division retirees should remain eligible for the group health insurance plan at least until the retiree is eligible for Medicare coverage. School Divisions should contribute to the cost of the health insurance premium for retirees. Health insurance plans should have an unlimited lifetime maximum. All School Divisions should offer flexible benefit plans for health care premiums to its employees. Virginia Education Association 10

Glossary of Terms COBRA - The Consolidated Omnibus Reconciliation Act (COBRA) requires employers with 20 or more employees to continue to offer coverage in their group health plan to former employees, retirees, spouses, and dependent children. The time frame that coverage is required to be offered ranges from 18 to 36 months depending upon the circumstances. Co-insurance - The amount you are required to pay for medical care in an indemnity plan or preferred provider organization (PPO) after you have met your deductible. The coinsurance rate is usually expressed as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent. Co-pay - A cost sharing arrangement in which a person pays a specific charge for a specific medical service -- $10 for an office visit or $5 for a prescription. Deductible - The amount of money you must pay up front each year to cover your medical expenses before your insurance starts paying. Defined Benefit Retirement Plan - This retirement plan guarantees a certain level of retirement income based on years of service and salary level. The employer invests the funds usually through a trust. Defined Contribution Plan - This retirement plan has investments managed by the employee and the employer provides a contribution. Disability Insurance or Income Protection - Short-term disability income insurance provides a benefit of a percent of income for a short disability or for the first part of a long disability. Long-term disability income insurance provides disability income benefits that begin at the end of a waiting period and continue until the person returns to work, dies, or becomes eligible for pension benefits. Early Retirement Incentive Plans - ERIPs provide incentive payments to early retirees. The payments are usually spread over several years in return for some amount of continuing consultant work by the retiree. Flexible Benefit Plans - Flexible Benefit Plans are employer programs that allow employees to use before-tax dollars to pay for many regular family expenses. The money employees contribute to the Plan is not subject to Federal and State Withholding Taxes or Social Security and Medicare contributions. Tax-free expenses which can be paid through a Flexible Benefit Plan include: Child/Dependent care expenses necessary to employment ($5,000 maximum per family per year) Out-of pocket medical, dental, and vision expenses, including insurance premiums if employee paid Employee-paid disability insurance premiums Employee-paid term life insurance premiums up to $50,000 in death benefit After-tax choices may also be offered on a voluntary basis such as long-term care insurance, group auto, home owners and rental insurance and Pre-Paid Legal Services Virginia Education Association 11

Health Insurance Plans - Health Insurance plans range from indemnity (or fee-for-service) to health maintenance organizations. Indemnity plans are the most expensive, least restrictive insurance. Indemnity or Fee-for-Service Any provider, any time Deductible - $200-500 Insurance pays a percent, once deductible is met, of usual and customary charges Usually (80:20 or 70:30) The percent left for you to pay is co-insurance Some have lifetime limits Preferred Provider - PPO Any provider, but less costly within PPO network Co-pays and percentage coverage with a greater percentage covered in network Point of Service - POS Primary Care Physician (PCP) but access to other doctors is covered at a lesser amount PCP visits usually require only a co-pay PPO visits require co pay and co-insurance Outside network, co pay and higher co-insurance Health Maintenance Organization - HMO Primary Care Physician directs to other services Set monthly fees Preauthorization - A cost containment feature of many group insurance policies where the insured must contact the insurer or primary care physician prior to a hospitalization or surgery and receive authorization for the service. Stop-loss provision - A health insurance policy provision specifying that the insurer will pay 100 percent of the insured's eligible medical expenses after the insured has incurred a specified amount of out-of-pocket expenses under the co-insurance feature. Tax-Sheltered Annuities - Tax-advantaged retirement savings programs designed primarily for employees of educational organizations. The employee's eligible contributions, made through salary reduction agreements, are sheltered from Federal and State income taxes (but not Social Security taxes) until an annuity is received or the contributions are withdrawn. Virginia Education Association 12

Table 1: Health Insurance Carrier/Plan Information Majority of Employees Participate in: Primary Carrier Plan Type Other Coverage Included under Policy R Card Dental Vision Policy Renewal Date Claims experience based on: Accomack United Healthcare Choice/Choice Plus HMO Albemarle Southern Health Point of Service POS 10/10 School and Local Gov't Employees Alexandria United Healthcare Choice(HMO) HMO 07/10 School Employees Only Alleghany Anthem KeyCare 20 PPO 06/10 School Employees Only Amelia Amherst Anthem KeyCare 30/300 PPO Appomattox Anthem KeyCare 500 PPO 10/10 School and Local Gov't Employees Arlington Kaiser Permanente HMO HMO 01/11 School Employees Only Augusta Southern Health VirginiaValue POS 01/11 Other Bath United Healthcare Virginia - Choice Plus PPO 07/10 School and Local Gov't Employees Bedford County/City Piedmont Community Health Plan $1500 deductible PPO 07/10 School Employees Only Bland Anthem KeyCare 15 PPO 07/10 School Employees Only Botetourt Anthem Blue Cross Blue Shield KeyCare 200 PPO Bristol United Healthcare of River Valley 15-250-2000-250 POS60 02-05 POS 07/10 School and Local Gov't Employees Brunswick Anthem - The Local Choice Key Advantage 500 PPO 10/10 Virginia Local Choice Plan Buchanan Buckingham Southern Health pos2000 POS Buena Vista Anthem Local Choice PPO 10/10 Virginia Local Choice Plan Campbell Anthem KeyCare 300 PPO Caroline CIGNA Open Access Plus In Network HMO Carroll Anthem Blue Cross Blue Shield The Local Choice PPO 10/10 Virginia Local Choice Plan Charles City Anthem HealthKeepers 15 HMO Charlotte Anthem HealthKeepers HMO 05/10 School Employees Only Charlottesville Anthem KeyCare15 PPO 07/10 School Employees Only Chesapeake Anthem Blue Cross Blue Shield PPO PPO Chesterfield Anthem HealthKeepers 15 HMO 01/11 School and Local Gov't Employees Clarke Anthem BCBS - The Local Choice Key Advantage 300 PPO 07/10 School and Local Gov't Employees Colonial Beach Anthem Blue Cross Blue Shield KeyCare 25 PPO 10/10 * School Employees Only Colonial Heights Anthem HealthKeepers 10 Open Access HMO 07/10 School Employees Only Covington Anthem - The Local Choice Key Advantage Expanded PPO 07/10 Virginia Local Choice Plan Virginia Education Association 13

Table 1: Health Insurance Carrier/Plan Information Majority of Employees Participate in: Primary Carrier Plan Type Other Coverage Included under Policy R Card Dental Vision Policy Renewal Date Claims experience based on: Craig Anthem Key Advantage Expanded PPO Culpeper Anthem Blue Cross Blue Shield HealthKeepers 15 HMO 10/11 School and Local Gov't Employees Cumberland Anthem Blue Cross Blue Shield HealthKeepers HMO 10/10 School and Local Gov't Employees Danville Anthem KeyCare 500 PPO Dickenson Anthem KeyCare 300 PPO 09/10 School Employees Only Dinwiddie Anthem HealthKeepers Open Access 25 HMO Essex Fairfax County/City CareFirst BCBS Blue Preferred PPO PPO 01/11 School Employees Only Falls Church United HealthCare Choice Plus PPO 07/10 Other Fauquier Anthem KeyCare 10 PPO 07/10 School and Local Gov't Employees Floyd Anthem Blue Cross Blue Shield PPO KeyCare 20 PPO Fluvanna Southern Health Point of Service POS 10/10 School and Local Gov't Employees Franklin City Anthem Blue Cross Blue Shield Key Advantage Expanded PPO 10/10 Virginia Local Choice Franklin County Anthem Blue Cross/Blue Shield KeyCare 500 PPO Frederick Anthem KeyCare 15+ PPO Fredericksburg Anthem Blue Cross Blue Shield Key Advantage Expanded PPO 07/10 School Employees Only Galax Anthem KeyCare 20 PPO Giles Anthem BCBS - The Local Choice Key Advantage 300/ Key Advantage Expanded PPO 07/11 Virginia Local Choice Plan Gloucester Anthem HealthKeepers HMO Goochland Anthem HealthKeepers 20 HMO Grayson Primary PhysicianCare High Plan PPO 11/10 School Employees Only Greene Optima POS POS Greensville Anthem - The Local Choice Key Advantage Expanded PPO 10/10 Virginia Local Choice Plan Halifax Anthem KeyCare 300 PPO Hampton Anthem KeyCare PPO Hanover Southern Health Care POS POS 10/10 School and Local Gov't Employees Harrisonburg Anthem KeyCare 20+ PPO 07/10 School Employees Only Henrico Southern Health Care HMO HMO 01/11 Other Henry Anthem KeyCare PPO 07/10 School and Local Gov't Employees Virginia Education Association 14

Table 1: Health Insurance Carrier/Plan Information Majority of Employees Participate in: Primary Carrier Plan Type Other Coverage Included under Policy R Card Dental Vision Policy Renewal Date Claims experience based on: Highland Anthem KeyCare 30 PPO 07/10 School Employees Only Hopewell United Healthcare Choice HMO 07/10 School Employees Only Isle of Wight King George United Healthcare 2V-B HMO 07/10 School Employees Only King Queen Optima Health Vantage HMO King William Anthem HealthKeepers HMO Lancaster Optima Health HMO HMO Lee Lexington Anthem Key Advantage PPO 07/10 School and Local Gov't Employees Loudoun CIGNA Healthcare Point of Service POS 01/11 School and Local Gov't Employees Louisa Coventry Plan 2 (500) PPO 07/10 School and Local Gov't Employees Lunenburg Anthem - The Local Choice Key Advantage Expanded PPO 10/10 Virginia Local Choice Plan Lynchburg Piedmont Community Health Plan $400 deductible High Option PPO Madison Southern Health $500 Deductible HMO HMO 10/10 School and Local Gov't Employees Manassas City Anthem - The Local Choice Key Advantage Expanded PPO 07/10 Virginia Local Choice Plan Manassas Park Anthem Key Advantage Expanded PPO 07/10 Virginia Local Choice Plan Martinsville Anthem Blue Cross Blue Shield Lumenos Consumer Drive Health Plan with HSA PPO 07/10 School and Local Gov't Employees Mathews Anthem HealthKeepers HMO Mecklenburg Anthem HealthKeepers HMO 07/10 School Employees Only Middlesex Anthem HealthKeepers 15 HMO Montgomery Anthem Blue Cross Blue Shield PPO PPO Nelson Anthem Key Advantage Expanded PPO 10/10 Virginia Local Choice Plan New Kent United Healthcare Standard Choice HMO HMO Newport News Anthem HealthKeepers HMO Norfolk Northampton Anthem KeyCare 20 PPO Northumberland Anthem Blue Cross/Blue Shield Local Choice POS 07/10 Virginia Local Choice Plan Norton Anthem - The Local Choice Key Advantage Expanded PPO 10/10 Virginia Local Choice Plan Nottoway Anthem HealthKeepers HMO 07/10 School Employees Only Virginia Education Association 15

Table 1: Health Insurance Carrier/Plan Information Majority of Employees Participate in: Primary Carrier Plan Type Other Coverage Included under Policy R Card Dental Vision Policy Renewal Date Claims experience based on: Orange Anthem HealthKeepers Open Access HMO 10/10 School and Local Gov't Employees Page Anthem KeyCare 10+ PPO Patrick Gateway Primary Physician Care HMO 10/10 School and Local Gov't Employees Petersburg Anthem HealthKeepers HMO Pittsylvania Anthem KeyCare PPO Poquoson Optima Health Optima 10/20 HMO Portsmouth Optima Health HMO HMO 07/10 School Employees Only Powhatan Anthem - The Local Choice Key Advantage Expanded PPO 07/10 Virginia Local Choice Plan Prince Edward Anthem Key Advantage 200 PPO Prince George Anthem HealthKeepers HMO 07/10 School and Local Gov't Employees Prince William Anthem Blue Cross Blue Shield KeyCare Enhanced PPO PPO 07/10 School Employees Only Pulaski Anthem Blue Cross/Blue Shield Lumenos QHDHP POS 07/10 School Employees Only Radford Anthem Key Advantage Expanded PPO 07/10 Virginia Local Choice Plan Rappahannock Anthem KeyCare200 PPO Richmond City Anthem POS OA 20 POS 07/10 School Employees Only Richmond County Peninsula Health Care Product 25 - Open Access HMO Roanoke City United Healthcare Traditional PPO - Wellness Compliant PPO 01/11 School Employees Only Roanoke County Anthem KeyCare PPO 07/10 School Employees Only Rockbridge Anthem KeyCare 25 PPO 07/10 School Employees Only Rockingham Southern Health Point of Service POS 10/10 School and Local Gov't Employees Russell Salem Anthem KeyCare 20 PPO 10/10 School and Local Gov't Employees Scott Anthem KeyCare 20 PPO 07/10 School Employees Only Shenandoah Anthem - The Local Choice Key Advantage 200 PPO 07/10 School Employees Only Smyth Anthem - The Local Choice Key Advantage Expanded PPO 10/10 Virginia Local Choice Plan Southampton Anthem Key Advantage PPO 07/10 School Employees Only Spotsylvania Anthem - The Local Choice Key Advantage Expanded PPO 10/11 School Employees Only Stafford Anthem Blue Cross Blue Shield KeyCare 100 PPO 07/10 School Employees Only Staunton Southern Health VirginiaValue POS 01/11 School Employees Only Virginia Education Association 16

Table 1: Health Insurance Carrier/Plan Information Majority of Employees Participate in: Primary Carrier Plan Type Other Coverage Included under Policy R Card Dental Vision Policy Renewal Date Claims experience based on: Suffolk Anthem HealthKeepers 10 HMO Surry Anthem - The Local Choice Key Advantage Expanded PPO 10/10 Virginia Local Choice Plan Sussex Anthem HealthKeepers HMO Tazewell Anthem BCBS - The Local Choice Key Advantage 300 Other Virginia Beach Optima Health HMO HMO 01/11 School and Local Gov't Employees Warren Anthem KeyCare 20 PPO Washington Anthem KeyCare 200 PPO Waynesboro Southern Health Point of Service POS 01/11 School Employees Only West Point Anthem HMO HMO 03/11 School Employees Only Westmoreland Anthem BCBS - The Local Choice Key Advantage 500 PPO Williamsburg/JCC Anthem - The Local Choice Key Advantage 200 PPO 10/10 Virginia Local Choice Plan Winchester Anthem Blue Cross Blue Shield KeyCare 500 PPO 07/10 School Employees Only Wise Anthem Key Advantage 200 PPO 07/10 School Employees Only Wythe Anthem KeyCare 20 PPO York Anthem Blue Cross Blue Shield of Virginia KeyCare 300 PPO PPO Count 125 45 118 Virginia Education Association 17

Table 2: Policy Provisions (In-Network where applicable) Individual Family Cost per Visit Major Medical Stop-Loss $ $ $ $ $ $ $ % Deductible Stop-Loss Deductible Stop-Loss PCP* Specialist Maximum Co-Insurance Accomack 500 2,500 1,000 5,000 20 20 Unlimited Second Opinion Policy Requires: Pre- Authorization Albemarle 0 1,000 0 2,000 15 30 $2 million 100/None ** Alexandria 0 2,200 0 7,200 15 15 Unlimited 100/None Alleghany 0 3,000 0 6,000 20 40 Unlimited Amelia Amherst 300 2,000 600 4,000 20 20 Unlimited ** Appomattox 500 2,500 1,000 5,000 ** ** Unlimited ** Arlington 0 0 0 0 10 10 Unlimited 100/None Augusta 250 2,500 500 5,000 25 45 Unlimited Bath 300 0 600 0 15 30 Unlimited Bedford County/City 1,500 2,000 3,000 4,000 25 25 $2 million 100/None Bland 0 2,000 0 4,000 15 30 Unlimited Botetourt 200 2,500 400 5,000 0 0 ** Unlimited Bristol 250 2,000 500 4,000 25 35 Unlimited 100/None Brunswick 500 3,000 1,500 9,000 25 40 Unlimited 70/30 Buchanan Buckingham 2,000 4,500 4,000 9,000 20 40 Unlimited Buena Vista 200 1,500 600 4,500 20 35 Unlimited Campbell 300 0 600 0 15 30 Unlimited Caroline 0 1,000 0 3,000 15 25 $1 million 100/None Carroll 100 1,000 200 3,000 15 25 Unlimited 90/10 Charles City 0 2,000 0 4,000 15 35 Unlimited 100/None ** Charlotte 0 2,000 0 4,000 20 40 Unlimited Charlottesville 0 2,000 0 4,000 15 25 Unlimited ** Chesapeake 0 1,000 0 2,000 15 25 Unlimited 90/10 Virginia Education Association 18 17

Table 2: Policy Provisions (In-Network where applicable) Individual Family Cost per Visit Major Medical Stop-Loss $ $ $ $ $ $ $ % Deductible Stop-Loss Deductible Stop-Loss PCP* Specialist Maximum Co-Insurance Chesterfield 0 0 0 0 15 30 Unlimited 100/None Second Opinion Policy Requires: Pre- Authorization Clarke 300 2,500 900 7,500 25 40 Unlimited Colonial Beach 500 3,750 1,000 7,500 25 25 Unlimited Colonial Heights 0 1,500 0 3,000 10 20 Unlimited 100/None Covington 100 1,000 300 3,000 15 25 Unlimited 90/10 Craig 200 2,000 600 6,000 15 25 Unlimited Culpeper 0 2,000 0 4,000 15 35 Unlimited 100/None Cumberland 0 2,500 0 5,000 20 40 Unlimited 100/None Danville 500 2,500 1,000 5,000 20 40 Unlimited Dickenson 300 3,000 900 6,000 0 0 Unlimited Dinwiddie 0 3,000 0 6,000 25 50 Unlimited 100/None Essex Fairfax County/City 0 500 0 1,000 15 15 Unlimited 90/10 Falls Church 0 1,400 0 4,300 15 25 Unlimited 100/None Fauquier 0 1,000 0 2,000 10 20 Unlimited 90/10 Floyd 0 3,000 0 6,000 20 40 Unlimited Fluvanna 0 2,000 0 4,000 15 30 Unlimited 100/None Franklin City 100 1,000 300 3,000 15 25 Unlimited 90/10 Franklin County 500 2,500 1,000 5,000 20 20 Unlimited Frederick 0 2,000 0 4,000 15 30 Unlimited ** Fredericksburg 100 1,000 300 3,000 15 25 Unlimited ** Galax 0 3,000 0 6,000 20 40 Unlimited ** Giles 300 3,000 600 6,000 25 40 Unlimited Gloucester 0 1,500 0 3,000 10 20 Unlimited 100/None Goochland 0 2,500 0 5,000 20 40 Unlimited Virginia Education Association 19 18

Table 2: Policy Provisions (In-Network where applicable) Individual Family Cost per Visit Major Medical Stop-Loss $ $ $ $ $ $ $ % Deductible Stop-Loss Deductible Stop-Loss PCP* Specialist Maximum Co-Insurance Grayson 0 3,000 0 6,000 20 40 Other Second Opinion Policy Requires: Pre- Authorization Greene 750 4,000 1,500 8,000 25 45 Unlimited Greensville 0 0 0 0 15 25 Unlimited 100/None Halifax 300 2,000 600 4,000 15 15 Unlimited Hampton 0 1,000 0 2,000 20 35 Unlimited 100/None Hanover 0 2,000 0 4,000 25 50 Unlimited 100/None Harrisonburg 0 3,000 0 6,000 20 40 Unlimited ** Henrico 150 2,500 150 5,000 20 40 Unlimited 100/None ** Henry 0 3,000 0 6,000 20 40 Other Highland 1,000 0 2,000 0 30 30 Unlimited Hopewell 0 1,500 0 3,000 10 20 Unlimited 100/None Isle of Wight King George 0 1,500 0 3,000 10 20 Unlimited 100/None King Queen 1,000 3,500 2,000 7,000 25 50 Unlimited 70/30 King William 0 3,000 0 6,000 25 50 Unlimited 100/None Lancaster 500 3,500 1,000 7,000 25 45 Unlimited 70/30 Lee Lexington 100 1,000 300 3,000 15 25 Unlimited Varies Loudoun 500 2,500 1,500 5,000 15 30 Unlimited Louisa 500 2,500 1,000 5,000 15 30 Unlimited ** Lunenburg 100 0 200 0 15 25 Unlimited 90/10 Lynchburg 400 1,100 800 2,200 25 30 $1 million Madison 500 3,500 1,000 7,000 20 40 Unlimited Manassas City 100 1,000 300 3,000 15 25 Unlimited Other ** Manassas Park 100 1,000 300 3,000 15 25 Unlimited 90/10 Virginia Education Association 20 19

Table 2: Policy Provisions (In-Network where applicable) Individual Family Cost per Visit Major Medical Stop-Loss $ $ $ $ $ $ $ % Deductible Stop-Loss Deductible Stop-Loss PCP* Specialist Maximum Co-Insurance Martinsville 3,000 ** 3,000 6,000 ** 6,000 0 ** 0 ** Unlimited 100/None Second Opinion Policy Requires: Pre- Authorization Mathews 0 3,000 0 6,000 25 50 Unlimited 100/None Mecklenburg 0 2,000 0 4,000 15 35 Unlimited Other ** Middlesex 0 0 0 0 15 30 Unlimited 100/None Montgomery 0 1,000 0 2,000 15 30 Unlimited 100/None ** Nelson 100 1,000 300 2,000 15 25 Unlimited Other ** New Kent 0 2,000 0 4,000 20 40 Unlimited 100/None Newport News 0 1,500 0 3,000 15 30 Unlimited 100/None Norfolk Northampton 0 3,000 0 6,000 20 40 Northumberland 250 2,000 500 4,000 15 25 Unlimited Norton 100 0 300 0 15 25 Unlimited 90/10 Nottoway 0 2,000 0 4,000 20 40 Unlimited 90/10 ** Orange 0 2,500 0 5,000 20 40 Unlimited Page 0 1,000 0 2,000 10 20 Unlimited 100/None Patrick 2,000 6,000 4,000 9,000 30 ** $1 million Petersburg 0 3,000 0 5,000 25 50 Unlimited 100/None Pittsylvania 1,000 5,000 2,000 10,000 30 30 $1 million Poquoson 0 1,500 0 3,000 10 20 Unlimited 100/None Portsmouth 0 1,500 0 3,000 10 25 Unlimited 100/None Powhatan 100 1,000 300 3,000 15 25 Unlimited 90/10 ** Prince Edward 200 1,500 600 4,500 20 25 Unlimited Prince George 0 2,000 0 4,000 15 35 Unlimited 100/None Prince William 300 ** 3,000 600 ** 6,000 20 35 Unlimited 70/30 ** Pulaski 1,250 5,000 2,500 10,000 ** ** Unlimited Virginia Education Association 21 20

Table 2: Policy Provisions (In-Network where applicable) Individual Family Cost per Visit Major Medical Stop-Loss $ $ $ $ $ $ $ % Deductible Stop-Loss Deductible Stop-Loss PCP* Specialist Maximum Co-Insurance Radford 100 1,000 200 2,000 15 25 Unlimited Second Opinion Policy Requires: Pre- Authorization Rappahannock 200 1,500 400 3,000 0 0 Unlimited Richmond City 0 1,500 0 3,000 20 40 Unlimited 100/None Richmond County 0 3,000 0 6,000 25 50 Unlimited 100/None Roanoke City 500 2,000 1,000 4,000 20 40 Other Roanoke County 0 3,000 0 6,000 20 40 Unlimited Rockbridge 500 2,500 1,000 5,000 25 25 Unlimited Rockingham 500 3,000 1,000 6,000 20 35 $1 million 100/None Russell Salem 100 2,000 400 4,000 20 ** Unlimited ** Scott 0 3,000 0 6,000 20 40 $1 million Shenandoah 200 1,500 600 4,500 20 ** 35 ** Unlimited Smyth 100 0 300 0 15 25 Unlimited Southampton 100 ** 1,000 300 ** 3,000 15 25 Unlimited Other ** ** Spotsylvania 100 1,000 300 3,000 15 25 Unlimited Other ** Stafford 100 ** 1,000 200 ** 2,000 ** ** Unlimited ** ** Staunton 250 2,500 500 5,000 25 45 Unlimited Suffolk 0 1,500 0 3,000 10 20 Unlimited 100/None Surry 0 1,000 0 2,000 15 25 Unlimited 100/None Sussex 0 2,000 0 4,000 15 35 Unlimited 100/None Tazewell 300 2,500 900 7,500 25 40 Unlimited ** Virginia Beach 100 1,500 200 3,000 20 40 Other 100/None Warren 0 4,000 0 8,000 20 40 Unlimited Washington 200 1,500 400 4,500 20 35 Unlimited 90/10 Waynesboro 250 2,000 500 4,000 25 45 Unlimited Virginia Education Association 22 21

Table 2: Policy Provisions (In-Network where applicable) Individual Family Cost per Visit Major Medical Stop-Loss $ $ $ $ $ $ $ % Deductible Stop-Loss Deductible Stop-Loss PCP* Specialist Maximum Co-Insurance West Point 0 2,500 0 5,000 20 40 $1 million 100/None Second Opinion Policy Requires: Pre- Authorization Westmoreland 500 3,000 1,500 9,000 25 40 Unlimited Williamsburg/JCC 200 3,000 600 9,000 20 35 Unlimited Other ** Winchester 500 1,500 1,000 3,000 20 40 Unlimited ** Wise 200 1,500 600 4,500 20 35 Unlimited Wythe 0 3,000 0 6,000 20 40 Unlimited York 0 2,000 0 4,000 15 30 Unlimited Averages 434 2,191 941 4,684 18 32 Averages reflect the average of local school divisions that have a dollar amount for the policy provision. * ** Primary Care Physician Albemarle, Amherst, Appomattox, Charles City, Charlottesville, Frederick, Fredericksburg, Galax, Harrisonburg, Louisa, Mecklenburg, Montgomery, Nottoway, Salem, Southampton, Stafford, Tazewell, Winchester - Preauthorizations may be required for certain procedures, services, and/or medications. Appomattox - 20% co-pay for primary care physicians or specialists. Botetourt - $15 co-payment for eye exam. Henrico - Second opinions are covered but not required. Manassas City - Co-insurance required for specific services. Martinsville - No co-pay after deductible has been met. The school board makes an annual HSA (Health Savings Account) contribution--$720 for employee only; $1,200 for employee plus dependents. They also reimburse the last $1,000 of deductible for employee only or $2,000 for employee plus dependents through an HRA (Health Reimbursement Account). Nelson - Co-insurance ranges from 10% to 20% or can be a flat dollar amount depending on service provided Patrick - Co-pay for specialist is 80% after deductible. Powhatan - Dental co-insurance is higher (20% to 50%) depending on service. Prince William - Co-insurance and deductible apply to out-of-network claims only. Maximum out-of-pocket does not include any co-payments or prescriptions. Pulaski - Co-pays are 20% of actual cost after deductible. Salem - Co-pay for specialist is 30% of actual cost after deductible. Shenandoah - Co-pays range from $20-$25 for primary care physician; $35-$40 for specialists. Southampton - Deductible applies only to cetain medical services; co-insurance ranges from 10% to 20%. Spotsylvania, Williamsburg/JCC - Co-insurance varies per service rendered. Stafford - Co-pays are 80% after deductible. Wellness, annual physicals, diagnostic labs, x-rays, and hospitalizations are excluded from deductibles or co-insurance. Virginia Education Association 23 22

Table 3: Teachers Enrolled in Health Insurance Plans Number of FTE* Teachers Eligible Enrolled Percentage Number of FTE* Teachers Enrolled Eligible Enrolled Percentage Enrolled Accomack 800 539 67.38 Albemarle 3,201 2,555 79.82 Alexandria 2,145 1,609 75.01 Alleghany 420 305 72.62 Amelia Amherst 716 471 65.78 Appomattox 400 386 96.50 Arlington 4,092 2,892 70.67 Augusta 1,832 1,644 89.74 Bath 145 112 77.24 Bedford County/City 1,700 1,260 74.12 Bland 142 90 63.38 Botetourt 749 629 83.98 Bristol 270 237 87.78 Brunswick 420 315 75.00 Buchanan Buckingham 325 286 88.00 Buena Vista 169 119 70.41 Campbell 1,170 935 79.91 Caroline 660 418 63.33 Carroll 683 534 78.18 Charles City 150 116 77.33 Charlotte 378 278 73.54 Charlottesville 784 636 81.12 Chesapeake 5,670 4,989 87.99 Chesterfield 7,300 5,800 79.45 Clarke 428 326 76.17 Colonial Beach 90 66 73.33 Colonial Heights 479 399 83.30 Covington 152 110 72.37 Craig 122 79 64.75 Culpeper 1,112 750 67.45 Cumberland 250 122 48.80 Danville 971 869 89.50 Dickenson 413 343 83.05 Dinwiddie 707 487 68.88 Essex Fairfax County/City 26,525 19,700 74.27 Falls Church 402 251 62.44 Fauquier 2,432 1,963 80.72 Floyd 350 272 77.71 Fluvanna 552 445 80.62 Franklin City 216 152 70.37 Franklin County 1,233 895 72.59 Frederick 2,000 1,850 92.50 Fredericksburg 481 372 77.34 Galax 200 177 88.50 Giles 379 361 95.25 Gloucester 900 685 76.11 Goochland 448 329 73.44 Grayson 387 321 82.95 Greene 508 367 72.24 Greensville 410 330 80.49 Halifax 1,000 700 70.00 Hampton 3,071 2,333 75.97 Hanover 2,800 2,200 78.57 Harrisonburg 804 700 87.06 Henrico 6,687 5,299 79.24 Henry 1,253 1,059 84.52 Highland 62 49 79.03 *FTE = Full-Time Equivalent positions. Some numbers may be estimates. Virginia Education Association 24

Table 3: Teachers Enrolled in Health Insurance Plans Number of FTE* Teachers Eligible Enrolled Percentage Number of FTE* Teachers Enrolled Eligible Enrolled Percentage Enrolled Hopewell 680 525 77.21 Isle of Wight King George 534 303 56.74 King Queen 171 147 85.96 King William 270 250 92.59 Lancaster 221 175 79.19 Lee Lexington 62 47 75.81 Loudoun 8,936 7,137 79.87 Louisa 798 629 78.82 Lunenburg 255 175 68.63 Lynchburg 1,590 1,374 86.42 Madison 255 196 76.86 Manassas City 1,001 697 69.63 Manassas Park 366 262 71.58 Martinsville 370 285 77.03 Mathews 231 152 65.80 Mecklenburg 753 558 74.10 Middlesex 205 151 73.66 Montgomery 1,200 1,150 95.83 Nelson 350 273 78.00 New Kent 400 277 69.25 Newport News 4,770 3,509 73.56 Norfolk Northampton 312 193 61.86 Northumberland 231 148 64.07 Norton 121 79 65.29 Nottoway 275 220 80.00 Orange 760 667 87.76 Page 635 476 74.96 Patrick 451 253 56.10 Petersburg 704 600 85.23 Pittsylvania 1,529 1,272 83.19 Poquoson 315 155 49.21 Portsmouth 2,300 1,775 77.17 Powhatan 705 434 61.56 Prince Edward 425 280 65.88 Prince George 898 756 84.19 Prince William 10,166 6,359 62.55 Pulaski 569 377 66.26 Radford 224 178 79.46 Rappahannock 171 145 84.80 Richmond City 3,856 3,359 87.11 Richmond County 144 123 85.42 Roanoke City 2,032 1,679 82.63 Roanoke County 2,317 1,647 71.08 Rockbridge 500 277 55.40 Rockingham 1,915 1,444 75.40 Russell Salem 560 505 90.18 Scott 570 359 62.98 Shenandoah 1,000 799 79.90 Smyth 765 589 76.99 Southampton 513 348 67.84 Spotsylvania 3,200 2,347 73.34 Stafford 3,900 2,800 71.79 Staunton 512 433 84.57 Suffolk 2,132 1,505 70.59 Surry 247 189 76.52 Sussex 246 218 88.62 *FTE = Full-Time Equivalent positions. Some numbers may be estimates. Virginia Education Association 25

Table 3: Teachers Enrolled in Health Insurance Plans Number of FTE* Teachers Eligible Enrolled Percentage Number of FTE* Teachers Enrolled Eligible Enrolled Percentage Enrolled Tazewell 948 734 77.43 Virginia Beach 10,613 8,652 81.52 Warren 809 404 49.94 Washington 1,032 955 92.54 Waynesboro 490 408 83.27 West Point 125 71 56.80 Westmoreland 293 204 69.62 Williamsburg/JCC 1,816 1,281 70.54 Winchester 690 488 70.72 Wise 920 806 87.61 Wythe 609 504 82.76 York 1,950 657 33.69 Total 181,058 137,940 75.61 avg. *FTE = Full-Time Equivalent positions. Some numbers may be estimates. Virginia Education Association 26

Table 4(a): Health Insurance Annual Premium Costs Employee Only Employee and One Dependent Employee Plus Spouse Family Total School Division Share School Division Share School Division Share School Division Share Total Total Total Amount Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Accomack 6,021 4,658 77.36 13,015 6,393 49.12 17,314 6,845 39.53 Albemarle 7,525 7,045 93.62 8,065 7,045 87.35 10,369 7,045 67.94 11,497 7,045 61.28 Alexandria 6,043 4,381 72.50 11,606 8,917 76.83 11,606 8,917 76.83 16,124 10,965 68.00 Alleghany 6,792 5,688 83.75 8,808 6,552 74.39 11,208 7,224 64.45 16,308 8,880 54.45 Amelia Amherst 5,214 3,846 73.76 12,107 5,309 43.85 13,453 5,557 41.31 Appomattox 4,382 4,382 100.00 6,188 4,382 70.81 8,817 4,382 49.70 11,447 4,382 38.28 Arlington 5,276 4,062 76.99 10,888 7,872 72.30 15,828 10,763 68.00 Augusta 4,960 4,960 100.00 7,508 4,960 66.06 10,508 4,960 47.20 13,912 4,960 35.65 Bath 7,021 6,459 92.00 13,410 8,046 60.00 20,571 11,520 56.00 Bedford County/City 5,148 4,908 95.34 8,532 6,324 74.12 12,240 6,612 54.02 15,540 6,852 44.09 Bland 6,306 4,847 76.86 8,571 4,847 56.55 14,107 4,847 34.36 18,656 4,847 25.98 Botetourt 5,474 5,474 100.00 7,940 5,474 68.94 10,954 5,474 49.97 13,803 5,474 39.66 Bristol 5,086 4,894 96.22 10,172 5,169 50.82 10,172 5,169 50.82 13,732 5,361 39.04 Brunswick 5,508 5,208 94.55 10,188 6,324 62.07 10,188 6,324 62.07 14,868 7,428 49.96 Buchanan Buckingham 4,309 4,223 98.00 9,049 8,868 98.00 13,788 13,513 98.01 Buena Vista 6,300 4,956 78.67 11,004 6,434 58.47 17,016 7,932 46.61 Campbell 4,128 3,828 92.73 8,172 6,420 78.56 8,172 6,420 78.56 12,240 6,804 55.59 Caroline 6,166 5,566 90.27 13,749 11,049 80.36 17,205 13,605 79.08 Carroll 5,880 4,608 78.37 10,884 5,592 51.38 10,884 5,592 51.38 15,876 6,576 41.42 Charles City 6,189 5,250 84.83 11,140 5,250 47.13 11,140 5,250 47.13 17,329 5,250 30.30 Charlotte 4,896 4,548 92.89 9,708 4,548 46.85 9,708 4,548 46.85 14,256 4,548 31.90 Virginia Education Association 27

Table 4(a): Health Insurance Annual Premium Costs Employee Only Employee and One Dependent Employee Plus Spouse Family Total School Division Share School Division Share School Division Share School Division Share Total Total Total Amount Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Charlottesville 5,406 4,687 86.70 8,112 6,149 75.80 9,454 6,149 65.04 13,142 7,283 55.42 Chesapeake 5,771 5,615 97.30 9,873 8,486 85.95 13,305 11,097 83.40 16,643 13,598 81.70 Chesterfield 5,430 4,824 88.84 8,688 5,647 65.00 10,588 5,824 55.01 16,017 8,809 55.00 Clarke 5,496 4,840 88.06 10,164 5,280 51.95 10,164 5,280 51.95 14,844 7,707 51.92 Colonial Beach 4,665 4,665 100.00 6,345 4,800 75.65 10,450 4,800 45.93 14,136 4,800 33.96 Colonial Heights 5,616 4,549 81.00 11,244 6,634 59.00 16,860 9,947 59.00 Covington 6,600 4,872 73.82 12,216 8,076 66.11 12,216 8,076 66.11 17,820 11,772 66.06 Craig 6,108 4,886 79.99 11,304 5,926 52.42 11,304 5,926 52.42 16,488 9,527 57.78 Culpeper 6,321 5,688 89.99 8,229 5,688 69.12 10,947 5,688 51.96 12,450 5,688 45.69 Cumberland 5,483 5,324 97.10 7,287 5,324 73.06 9,881 5,324 53.88 11,244 5,324 47.35 Danville 4,370 4,120 94.28 6,896 4,120 59.74 9,423 4,120 43.72 13,465 4,120 30.60 Dickenson 4,834 4,534 93.79 7,734 7,374 95.35 13,052 12,452 95.40 Dinwiddie 5,232 4,380 83.72 8,688 5,964 68.65 11,328 6,612 58.37 16,404 10,632 64.81 Essex Fairfax County/City 6,185 5,257 85.00 12,370 9,277 75.00 12,370 9,277 75.00 15,462 11,597 75.00 Falls Church 5,767 4,363 75.65 11,076 8,264 74.61 11,076 8,264 74.61 15,397 11,185 72.64 Fauquier 6,643 6,274 94.45 8,831 7,516 85.11 13,606 10,128 74.44 15,596 11,122 71.31 Floyd 6,192 5,219 84.29 9,022 6,090 67.50 11,381 3,937 34.59 16,098 7,615 47.30 Fluvanna 5,496 5,187 94.38 8,724 6,600 75.65 13,212 8,559 64.78 14,580 9,154 62.78 Franklin City 6,144 4,920 80.08 11,364 5,964 52.48 11,364 5,964 52.48 16,584 7,008 42.26 Franklin County 5,161 5,000 96.88 7,633 5,000 65.51 10,929 5,000 45.75 12,143 5,000 41.18 Frederick 5,602 5,378 96.00 9,075 5,899 65.00 14,005 6,162 44.00 15,629 6,252 40.00 Fredericksburg 6,120 5,688 92.94 11,328 9,408 83.05 11,328 9,408 83.05 16,524 12,060 72.98 Virginia Education Association 28

Table 4(a): Health Insurance Annual Premium Costs Employee Only Employee and One Dependent Employee Plus Spouse Family Total School Division Share School Division Share School Division Share School Division Share Total Total Total Amount Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Galax 5,160 5,040 97.67 8,220 5,040 61.31 9,360 5,040 53.85 11,244 5,040 44.82 Giles 5,760 5,760 100.00 10,656 5,760 54.05 10,656 5,760 54.05 15,552 5,760 37.04 Gloucester 4,909 4,320 88.00 7,415 5,880 79.30 11,742 7,020 59.79 13,294 8,100 60.93 Goochland 6,147 6,147 100.00 11,314 9,465 83.66 11,314 9,465 83.66 16,481 10,984 66.65 Grayson 5,266 4,170 79.19 7,241 4,170 57.59 10,594 4,170 39.36 13,897 4,170 30.01 Greene 5,367 5,312 98.98 8,587 5,312 61.86 8,586 5,312 61.87 14,490 5,312 36.66 Greensville 7,128 6,024 84.51 13,188 7,560 57.32 13,188 7,560 57.32 19,248 9,120 47.38 Halifax 5,830 4,770 81.82 9,180 5,170 56.32 14,590 5,570 38.18 Hampton 5,797 5,300 91.43 8,290 7,175 86.55 12,464 10,315 82.76 17,391 14,021 80.62 Hanover 5,388 4,884 90.65 7,800 5,592 71.69 9,948 6,036 60.68 10,668 7,260 68.05 Harrisonburg 4,439 2,886 65.01 6,498 4,223 64.99 9,732 6,326 65.00 13,683 8,570 62.63 Henrico 5,366 5,104 95.12 8,157 5,850 71.72 10,301 6,802 66.03 15,614 9,456 60.56 Henry 4,789 4,789 100.00 8,596 4,789 55.71 10,441 4,789 45.87 14,368 4,789 33.33 Highland 4,716 4,716 100.00 6,394 4,716 73.76 10,497 4,716 44.93 14,179 4,716 33.26 Hopewell 7,530 6,496 86.27 12,490 8,315 66.57 15,848 9,779 61.70 22,822 13,022 57.06 Isle of Wight King George 6,071 4,856 79.99 12,095 7,378 61.00 12,095 7,378 61.00 17,818 10,335 58.00 King Queen 3,945 3,600 91.25 5,294 3,600 68.00 9,241 3,600 38.96 9,241 3,600 38.96 King William 5,965 5,466 91.63 8,911 6,015 67.50 14,851 10,931 73.60 Lancaster 5,340 4,860 91.01 11,690 4,860 41.57 16,310 4,860 29.80 Lee Lexington 5,484 5,016 91.47 10,140 5,016 49.47 14,808 5,016 33.87 Loudoun 6,818 6,136 90.00 9,682 8,472 87.50 13,637 11,591 85.00 17,046 13,210 77.50 Virginia Education Association 29

Table 4(a): Health Insurance Annual Premium Costs Employee Only Employee and One Dependent Employee Plus Spouse Family Total School Division Share School Division Share School Division Share School Division Share Total Total Total Amount Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Louisa 5,237 4,713 89.99 7,565 5,411 71.53 9,629 6,031 62.63 12,850 6,997 54.45 Lunenburg 6,828 5,462 79.99 12,636 6,624 52.42 12,636 6,624 52.42 18,432 7,776 42.19 Lynchburg 4,424 4,013 90.71 8,538 4,804 56.27 8,538 4,804 56.27 11,502 5,290 45.99 Madison 4,625 3,600 77.84 6,938 3,600 51.89 9,250 3,600 38.92 11,101 3,600 32.43 Manassas City 6,000 4,560 76.00 11,000 7,368 66.98 16,200 10,752 66.37 Manassas Park 6,900 5,004 72.52 12,768 8,268 64.76 18,636 11,136 59.76 * Martinsville 3,174 2,040 64.27 6,982 2,040 29.22 6,665 2,040 30.61 10,473 2,040 19.48 Mathews 5,527 4,800 86.85 11,607 4,800 41.35 16,692 4,800 28.76 Mecklenburg 5,510 5,090 92.38 7,714 5,154 66.81 11,571 7,131 61.63 15,980 9,020 56.45 Middlesex 5,557 4,921 88.55 7,369 5,221 70.85 10,081 5,670 56.24 12,782 6,118 47.86 Montgomery 7,145 7,145 100.00 10,702 7,145 66.76 10,702 7,145 66.76 17,443 7,145 40.96 Nelson 5,400 4,867 90.13 9,996 6,548 65.51 9,996 6,548 65.51 14,500 9,544 65.82 New Kent 6,738 5,931 88.02 13,542 9,464 69.89 13,542 9,464 69.89 18,809 11,656 61.97 Newport News 4,918 4,477 91.03 6,780 5,095 75.15 9,076 5,857 64.53 10,904 6,464 59.28 Norfolk Northampton 5,398 3,600 66.69 7,773 3,600 46.31 15,654 3,600 23.00 Northumberland 6,300 4,668 74.10 11,652 4,668 40.06 11,652 4,668 40.06 17,016 4,668 27.43 Norton 6,336 5,268 83.14 11,724 8,220 70.11 11,724 8,220 70.11 17,112 11,424 66.76 Nottoway 5,664 4,500 79.45 9,972 4,500 45.13 11,952 4,500 37.65 17,052 4,500 26.39 Orange 4,533 4,533 100.00 7,253 4,533 62.50 9,972 4,533 45.46 10,834 4,533 41.84 Page 6,855 5,160 75.27 9,764 5,160 52.85 13,577 5,160 38.01 16,909 5,160 30.52 Patrick 5,280 4,150 78.60 7,489 4,150 55.41 11,368 4,150 36.51 14,031 4,150 29.58 Petersburg 5,516 2,498 45.29 11,566 3,818 33.01 15,966 4,873 30.52 Virginia Education Association 30

Table 4(a): Health Insurance Annual Premium Costs Employee Only Employee and One Dependent Employee Plus Spouse Family Total School Division Share School Division Share School Division Share School Division Share Total Total Total Amount Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Pittsylvania 4,572 4,560 99.74 7,015 4,560 65.00 10,102 4,560 45.14 13,697 4,560 33.29 Poquoson 6,004 5,086 84.71 11,109 6,469 58.23 11,109 6,469 58.23 17,489 9,353 53.48 Portsmouth 6,617 6,286 95.00 9,390 6,286 66.94 19,004 7,286 38.34 Powhatan 6,024 4,548 75.50 11,088 5,508 49.68 11,088 5,508 49.68 16,140 6,456 40.00 Prince Edward 5,820 4,656 80.00 10,764 5,645 52.44 10,764 5,645 52.44 15,720 6,636 42.21 Prince George 4,680 4,680 100.00 6,528 4,680 71.69 9,804 4,680 47.74 13,476 4,680 34.73 Prince William 5,504 4,541 82.50 11,465 6,961 60.72 16,494 10,092 61.19 Pulaski 5,028 3,858 76.73 10,164 6,408 63.05 14,124 8,760 62.02 Radford 6,000 5,112 85.20 11,100 5,400 48.65 11,100 5,400 48.65 16,200 6,336 39.11 Rappahannock 7,795 7,795 100.00 10,283 9,314 90.58 12,302 10,547 85.73 16,286 13,010 79.88 Richmond City 5,250 4,704 89.60 9,296 6,075 65.35 9,296 6,075 65.35 12,757 8,207 64.33 Richmond County 5,271 4,850 92.01 7,906 4,850 61.35 9,488 4,850 51.12 13,705 4,850 35.39 Roanoke City 4,253 3,750 88.17 6,114 4,360 71.31 8,506 4,519 53.13 10,522 5,670 53.89 Roanoke County 5,572 4,980 89.38 7,865 5,129 65.21 11,422 7,087 62.05 13,374 8,262 61.78 Rockbridge 4,277 4,026 94.13 6,544 4,026 61.52 8,554 4,038 47.21 12,617 4,038 32.00 Rockingham 4,963 4,458 89.82 8,717 6,102 70.00 10,720 7,504 70.00 14,301 10,011 70.00 Russell Salem 5,760 5,760 100.00 8,712 6,792 77.96 13,992 7,560 54.03 Scott 6,000 4,680 78.00 9,360 5,160 55.13 13,320 7,560 56.76 Shenandoah 5,052 5,052 100.00 9,348 5,052 54.04 13,644 5,052 37.03 Smyth 5,064 4,200 82.94 9,372 4,200 44.81 9,372 4,200 44.81 13,668 4,200 30.73 Southampton 7,296 5,760 78.95 13,500 6,984 51.73 13,500 6,984 51.73 19,704 8,196 41.60 Spotsylvania 6,192 5,141 83.03 11,460 8,137 71.00 11,460 8,137 71.00 16,716 10,869 65.02 Virginia Education Association 31

Table 4(a): Health Insurance Annual Premium Costs Employee Only Employee and One Dependent Employee Plus Spouse Family Total School Division Share School Division Share School Division Share School Division Share Total Total Total Amount Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Stafford 6,660 6,072 91.17 9,984 7,056 70.67 13,980 7,320 52.36 17,772 9,792 55.10 Staunton 4,800 4,416 92.00 7,200 5,772 80.17 10,080 7,344 72.86 13,500 10,020 74.22 Suffolk 4,860 4,617 95.00 9,780 6,846 70.00 9,780 6,846 70.00 13,750 9,625 70.00 Surry 6,840 5,340 78.07 12,660 5,340 42.18 12,660 5,340 42.18 18,468 5,340 28.91 Sussex 5,592 4,800 85.84 8,952 5,088 56.84 11,748 6,732 57.30 15,516 6,492 41.84 Tazewell 5,360 4,784 89.25 9,920 7,700 77.62 9,920 7,700 77.62 14,470 10,841 74.92 Virginia Beach 4,430 4,430 100.00 6,341 5,400 85.16 8,535 5,400 63.27 11,409 5,400 47.33 Warren 6,624 4,200 63.41 7,932 4,200 52.95 10,584 4,200 39.68 13,248 4,200 31.70 Washington 5,976 5,496 91.97 10,128 6,288 62.09 12,528 8,688 69.35 16,752 9,564 57.09 Waynesboro 5,064 4,560 90.05 7,620 5,532 72.60 10,680 6,696 62.70 14,388 8,400 58.38 West Point 5,448 5,448 100.00 7,398 5,448 73.64 12,185 5,448 44.71 13,482 5,448 40.41 Westmoreland 5,568 5,009 89.96 10,296 5,884 57.15 10,296 5,884 57.15 15,036 6,916 46.00 Williamsburg/JCC 5,748 5,340 92.90 10,632 9,036 84.99 10,632 9,036 84.99 15,516 13,176 84.92 Winchester 6,323 5,303 83.87 9,563 6,551 68.50 16,120 9,280 57.57 Wise 5,208 4,740 91.01 9,636 8,508 88.29 9,636 8,508 88.29 14,064 12,264 87.20 Wythe 5,906 5,580 94.48 9,449 5,580 59.05 12,991 5,580 42.95 16,860 5,580 33.10 York 6,528 5,508 84.38 9,516 7,032 73.90 14,892 10,116 67.93 17,496 12,372 70.71 Averages 5,634 4,919 87.57 9,275 6,033 65.60 11,003 6,374 57.79 15,077 7,738 51.10 Notes: Blanks indicate that the locality does not provide this type of coverage. Ninety-two localities offer rates for an Employee + Children Category. See next page, Table 4(b). *Martinsville - School division share is $2,040 if employee salary is greater than $35,000; $2,196 if salary is less than $35,000. Virginia Education Association 32

Table 4(b): Health Insurance Annual Premium Costs Employee and Children Employee and Children Total Cost School Division Share $ Amount Percent Total Cost School Division Share $ Amount Percent Accomack 10,108 6,090 60.25 Albemarle 10,369 7,045 67.94 Alexandria 16,124 10,965 68.00 Amherst 7,642 4,486 58.70 Appomattox 11,447 4,382 38.28 Arlington 9,761 7,125 72.99 Augusta 10,116 4,960 49.03 Bland 18,656 4,847 25.98 Bristol 9,155 5,114 55.86 Brunswick 14,868 7,428 49.96 Buckingham 7,325 7,179 98.01 Campbell 12,240 6,804 55.59 Caroline 10,187 8,447 82.92 Carroll 15,876 6,576 41.42 Charles City 17,329 5,250 30.30 Charlotte 14,256 4,548 31.90 Charlottesville 11,102 7,283 65.60 Chesapeake 9,873 8,486 85.95 Chesterfield 10,588 5,824 55.01 Clarke 14,844 7,707 51.92 Colonial Beach 9,237 4,800 51.96 Colonial Heights 9,444 6,139 65.00 Covington 17,820 11,772 66.06 Craig 16,488 9,527 57.78 Culpeper 8,715 5,688 65.27 Danville 8,412 4,120 48.98 Dinwiddie 10,332 6,912 66.90 Fairfax County/City 15,462 11,597 75.00 Falls Church 15,397 11,185 72.64 Fauquier 15,596 11,122 71.31 Franklin City 16,584 7,008 42.26 Frederick 9,075 5,899 65.00 Fredericksburg 16,524 12,060 72.98 Galax 9,180 5,040 54.90 Giles 15,552 5,760 37.04 Gloucester 13,294 8,100 60.93 Greene 14,490 5,312 36.66 Greensville 13,188 7,560 57.32 Halifax 13,200 5,370 40.68 Hampton 11,479 9,574 83.40 Harrisonburg 9,267 6,024 65.00 Henrico 12,342 7,728 62.62 Henry 10,278 4,789 46.59 Highland 9,284 4,716 50.80 Hopewell 12,490 8,315 66.57 King George 17,818 10,335 58.00 King Queen 9,241 3,600 38.96 Lancaster 8,806 4,860 55.19 Louisa 12,850 6,997 54.45 Lunenburg 18,432 7,776 42.19 Lynchburg 8,758 4,847 55.34 Martinsville 6,982 2,040 29.22 Mathews 9,507 4,800 50.49 Mecklenburg 11,021 8,021 72.78 Montgomery 17,443 7,145 40.96 Nelson 14,500 9,544 65.82 Newport News 9,076 5,857 64.53 Northampton 11,335 3,600 31.76 Norton 17,112 11,424 66.76 Nottoway 8,496 4,500 52.97 Orange 10,834 4,533 41.84 Patrick 10,077 4,150 41.18 Petersburg 8,373 2,942 35.14 Poquoson 12,610 8,268 65.57 Portsmouth 11,097 7,286 65.66 Powhatan 16,140 6,456 40.00 Prince Edward 15,720 6,636 42.21 Prince George 9,348 4,680 50.06 Prince William 10,005 6,091 60.88 Pulaski 10,044 6,372 63.44 Virginia Education Association 33

Table 4(b): Health Insurance Annual Premium Costs Employee and Children Employee and Children Total Cost School Division Share $ Amount Percent Total Cost School Division Share $ Amount Percent Radford 16,200 6,336 39.11 Richmond City 12,757 8,207 64.33 Roanoke City 6,114 4,360 71.31 Rockbridge 12,617 4,038 32.00 Rockingham 12,156 8,509 70.00 Scott 7,800 5,160 66.15 Shenandoah 9,348 5,052 54.04 Southampton 19,704 8,196 41.60 Spotsylvania 11,460 8,137 71.00 Stafford 11,916 7,200 60.42 Staunton 9,576 7,068 73.81 Suffolk 13,750 9,625 70.00 Surry 18,468 5,340 28.91 Sussex 10,608 4,260 40.16 Tazewell 14,470 10,841 74.92 Virginia Beach 8,877 5,400 60.83 Washington 11,472 7,688 67.02 Waynesboro 10,200 6,360 62.35 West Point 10,507 5,448 51.85 Westmoreland 15,036 6,916 46.00 Wise 14,064 12,264 87.20 Wythe 9,449 5,580 59.05 Count = 92 Averages 12,143 6,754 56.60 Virginia Education Association 34

Table 5(a): Stand Alone Dental Insurance Coverage Employee Only Employee and One Dependent Employee and Spouse Family Total School Division Share Total School Division Share Total School Division Share Total School Division Share Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Accomack 328 0 0.00 655 0 0.00 993 0 0.00 Albemarle 433 253 58.43 673 253 37.59 673 253 37.59 1,069 253 23.67 Alexandria 316 316 100.00 516 316 61.24 516 316 61.24 830 316 38.07 Alleghany 331 0 0.00 695 0 0.00 662 0 0.00 930 0 0.00 Amelia Amherst 233 0 0.00 486 0 0.00 825 0 0.00 Appomattox 360 0 0.00 620 0 0.00 620 0 0.00 987 0 0.00 Arlington 544 190 34.93 1,063 372 35.00 1,576 552 35.03 Augusta 258 0 0.00 516 0 0.00 516 0 0.00 873 0 0.00 Bath 339 312 92.04 663 398 60.03 1,051 589 56.04 Bedford County/City 384 384 100.00 792 420 53.03 1,056 444 42.05 Bland 310 0 0.00 681 0 0.00 617 0 0.00 1,096 0 0.00 Botetourt 197 197 100.00 285 197 69.12 394 197 50.00 497 197 39.64 * Bristol 180 0 0.00 300 0 0.00 300 0 0.00 420 0 0.00 Buchanan Buckingham 278 239 85.97 612 397 64.87 838 492 58.71 Campbell 264 138 52.27 540 138 25.56 540 138 25.56 876 138 15.75 Caroline Charles City 330 200 60.61 594 200 33.67 594 200 33.67 923 200 21.67 Charlotte 300 0 0.00 504 0 0.00 504 0 0.00 780 0 0.00 * Charlottesville 326 0 0.00 572 0 0.00 572 0 0.00 1,012 0 0.00 Chesapeake 311 311 100.00 771 465 60.31 771 465 60.31 771 465 60.31 Chesterfield 299 245 81.94 420 248 59.05 628 314 50.00 838 420 50.12 Colonial Beach 289 0 0.00 496 0 0.00 610 0 0.00 984 0 0.00 Colonial Heights 420 340 80.95 804 474 58.96 1,128 666 59.04 Culpeper 411 0 0.00 768 1,019 1,193 Cumberland 359 0 0.00 506 0 0.00 718 0 0.00 825 0 0.00 Danville 346 0 0.00 675 0 0.00 1,119 0 0.00 Virginia Education Association 35

Table 5(a): Stand Alone Dental Insurance Coverage Employee Only Employee and One Dependent Employee and Spouse Family Total School Division Share Total School Division Share Total School Division Share Total School Division Share Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Dickenson 276 276 100.00 367 276 75.20 574 276 48.08 Dinwiddie 312 252 80.77 516 312 60.47 672 420 62.50 972 612 62.96 Essex Fairfax County/City 460 322 70.00 781 547 70.04 1,108 775 69.95 * Falls Church 174 0 0.00 324 0 0.00 324 0 0.00 480 0 0.00 Fauquier 429 373 86.95 616 510 82.79 895 510 56.98 1,129 510 45.17 Floyd 155 155 100.00 249 169 67.87 310 177 57.10 404 190 47.03 Fluvanna 340 0 0.00 658 0 0.00 1,119 0 0.00 Franklin City 423 0 0.00 719 0 0.00 719 0 0.00 1,043 0 0.00 * Franklin County 336 0 0.00 599 0 0.00 668 0 0.00 1,035 0 0.00 Fredericksburg 227 0 0.00 Galax 354 0 0.00 726 0 0.00 1,131 0 0.00 Gloucester 376 0 0.00 659 0 0.00 1,047 0 0.00 1,047 0 0.00 Goochland 386 386 100.00 657 386 58.75 657 386 58.75 939 386 41.11 Grayson 321 198 61.68 677 198 29.25 663 198 29.86 1,024 198 19.34 Greene 372 0 0.00 744 0 0.00 744 0 0.00 1,013 0 0.00 * Hampton 252 0 0.00 476 0 0.00 476 0 0.00 736 0 0.00 Hanover 242 0 0.00 420 0 0.00 445 0 0.00 606 0 0.00 Harrisonburg 337 120 35.61 825 120 14.55 825 120 14.55 1,558 120 7.70 Henrico 394 0 0.00 713 0 0.00 713 0 0.00 1,119 Henry 274 0 0.00 502 0 0.00 662 0 0.00 730 0 0.00 Hopewell 324 285 87.96 516 331 64.15 516 331 64.15 840 434 51.67 Isle of Wight King George 356 0 0.00 748 0 0.00 712 0 0.00 1,124 0 0.00 King Queen 348 0 0.00 550 0 0.00 550 0 0.00 849 0 0.00 King William 310 310 100.00 588 310 52.72 990 310 31.31 Lancaster 249 0 0.00 497 0 0.00 788 0 0.00 Lee Virginia Education Association 36

Table 5(a): Stand Alone Dental Insurance Coverage Employee Only Employee and One Dependent Employee and Spouse Family Total School Division Share Total School Division Share Total School Division Share Total School Division Share Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Louisa 294 149 50.68 506 147 29.05 803 147 18.31 Lynchburg 256 256 100.00 719 256 35.61 719 256 35.61 1,230 256 20.81 Madison 278 0 0.00 519 0 0.00 532 0 0.00 1,013 0 0.00 Manassas City 535 321 60.00 1,030 618 60.00 1,517 910 59.99 Martinsville 348 0 0.00 732 0 0.00 695 0 0.00 1,035 0 0.00 Mathews 405 0 0.00 809 0 0.00 1,228 0 0.00 * Mecklenburg 300 0 0.00 510 0 0.00 600 0 0.00 960 0 0.00 Middlesex 386 0 0.00 690 0 0.00 690 0 0.00 1,109 0 0.00 Montgomery 365 0 0.00 699 0 0.00 699 0 0.00 1,022 0 0.00 New Kent 366 0 0.00 673 0 0.00 673 0 0.00 868 0 0.00 Newport News 357 50 14.01 627 50 7.97 627 50 7.97 897 50 5.57 Norfolk * Northampton 198 0 0.00 386 0 0.00 385 0 0.00 613 0 0.00 Nottoway 388 0 0.00 709 0 0.00 1,219 0 0.00 1,219 0 0.00 * Orange 220 220 100.00 449 220 49.00 449 220 49.00 823 220 26.73 * Page 424 0 0.00 817 0 0.00 1,338 0 0.00 Patrick 360 0 0.00 717 0 0.00 717 0 0.00 1,148 0 0.00 Pittsylvania 288 120 41.67 477 120 25.16 564 120 21.28 945 120 12.70 * Poquoson 547 0 0.00 896 0 0.00 896 0 0.00 1,294 0 0.00 * Portsmouth 352 0 0.00 713 0 0.00 979 0 0.00 Prince George 375 0 0.00 788 0 0.00 750 0 0.00 994 0 0.00 Prince William 251 0 0.00 479 0 0.00 855 Pulaski 360 0 0.00 636 0 0.00 1,116 0 0.00 Richmond City 178 0 0.00 294 0 0.00 294 0 0.00 401 0 0.00 Roanoke City 300 300 100.00 479 330 68.89 479 330 68.89 797 379 47.55 Roanoke County 312 230 73.72 508 278 54.72 879 395 44.94 Rockbridge 311 0 0.00 842 0 0.00 623 0 0.00 1,154 0 0.00 Rockingham 312 0 0.00 580 0 0.00 580 0 0.00 918 0 0.00 Virginia Education Association 37

Table 5(a): Stand Alone Dental Insurance Coverage Employee Only Employee and One Dependent Employee and Spouse Family Total School Division Share Total School Division Share Total School Division Share Total School Division Share Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent * Russell Salem 324 324 100.00 574 324 56.45 933 324 34.73 Scott 420 240 57.14 576 240 41.67 816 240 29.41 Stafford 324 0 0.00 516 0 0.00 600 0 0.00 972 0 0.00 Staunton 445 0 0.00 890 0 0.00 890 0 0.00 1,505 0 0.00 Suffolk 190 95 50.00 333 95 28.53 333 95 28.53 590 95 16.10 Sussex 366 330 90.16 623 372 59.71 769 456 59.30 1,172 516 44.03 Virginia Beach 333 0 0.00 533 0 0.00 699 0 0.00 1,065 0 0.00 Warren 310 0 0.00 472 0 0.00 620 0 0.00 1,013 0 0.00 Waynesboro 242 0 0.00 483 0 0.00 483 0 0.00 817 0 0.00 Williamsburg/JCC 415 415 100.00 769 523 68.01 769 523 68.01 1,174 646 55.03 Winchester 345 173 50.14 643 173 26.91 1,028 173 16.83 Wythe 427 0 0.00 786 0 0.00 786 0 0.00 1,355 0 0.00 York 396 276 69.70 636 288 45.28 636 288 45.28 1,068 312 29.21 Count = 90 Average 331 103 31.41 595 124 21.96 647 107 16.59 972 155 16.12 Bristol - Reimbursement plan provided by City; self-insured; maximum $750 benefit per covered individual. Charlottesville - $50 deduction, $1,500 annual maximum, $750 ortho benefit. Falls Church, Orange - Premium rates reflect lowest option of plans offered. Franklin County - Delta Dental Premier Plan. Hampton - Premiums reflect rates of the most common of five dental options. Mecklenburg - Provider must be in-network. Northampton, Poquoson - School Division pays full premium if employee opts out of health insurance plan. Page - Premiums reflect rates of high option plan providing $1,500/year benefit and Ortho benefits for children age 19 and under. Portsmouth - Delta Dental Plan. Virginia Education Association 38

Table 5(b): Stand Alone Dental Insurance Coverage Employee and Children Employee and Children Total Cost School Division Share $ Amount Percent Total Cost School Division Share $ Amount Percent Accomack 687 0 0.00 Albemarle 1,069 253 23.67 Alexandria 830 316 38.07 Alleghany 695 0 0.00 Amherst 554 0 0.00 Appomattox 987 0 0.00 Arlington 1,086 380 34.99 Bland 681 0 0.00 * Bristol 300 0 0.00 Buckingham 511 339 66.34 Campbell 876 138 15.75 Charles City 923 200 21.67 Charlotte 780 0 0.00 * Charlottesville 617 0 0.00 Chesapeake 771 465 60.31 Chesterfield 420 248 59.05 Colonial Beach 810 0 0.00 Colonial Heights 744 484 65.05 Danville 790 0 0.00 Dinwiddie 612 384 62.75 * Falls Church 324 0 0.00 Fauquier 1,129 510 45.17 Fluvanna 744 0 0.00 Franklin City 1,043 0 0.00 * Franklin County 825 0 0.00 Galax 759 0 0.00 Gloucester 1,047 0 0.00 Greene 1,013 0 0.00 * Hampton 736 0 0.00 Harrisonburg 1,558 120 7.70 Henrico 1,119 0 0.00 Henry 730 0 0.00 Hopewell 516 331 64.15 Count = 63 King George 748 0 0.00 King Queen 849 0 0.00 Lancaster 522 0 0.00 Louisa 803 147 18.31 Lynchburg 911 256 28.10 Madison 759 0 0.00 Manassas City 898 539 60.02 Martinsville 732 0 0.00 Mathews 849 0 0.00 * Mecklenburg 660 0 0.00 Montgomery 884 0 0.00 * Northampton 613 0 0.00 Nottoway 1,219 0 0.00 * Orange 823 220 26.73 * Page 945 0 0.00 Patrick 1,148 0 0.00 * Poquoson 1,294 0 0.00 Prince George 788 0 0.00 Prince William 547 0 0.00 Pulaski 672 0 0.00 Richmond City 401 0 0.00 Roanoke City 479 330 68.89 Rockbridge 842 0 0.00 Rockingham 918 0 0.00 Stafford 588 0 0.00 Suffolk 590 95 16.10 Sussex 733 258 35.20 Virginia Beach 699 0 0.00 Waynesboro 817 0 0.00 Wythe 1,355 0 0.00 Averages 800 301 40.90 *See Comments in Table 5(a). Virginia Education Association 39

Table 6(a): Stand Alone Vision Insurance Coverage Employee Only Employee and One Dependent Employee and Spouse Family Total School Division Share Total School Division Share Total School Division Share Total School Division Share Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Amelia Appomattox 92 0 0.00 179 0 0.00 183 0 0.00 273 0 0.00 Buchanan Buckingham 92 0 0.00 179 0 0.00 183 0 0.00 273 0 0.00 Charlotte 84 0 0.00 156 0 0.00 156 0 0.00 252 0 0.00 Charlottesville 83 0 0.00 164 0 0.00 156 0 0.00 241 0 0.00 Colonial Beach 141 0 0.00 238 0 0.00 392 0 0.00 Dinwiddie 105 0 0.00 190 0 0.00 295 0 0.00 Essex Fluvanna 116 0 0.00 285 0 0.00 Franklin City 171 0 0.00 291 0 0.00 291 0 0.00 363 0 0.00 Halifax 72 0 0.00 120 0 0.00 120 0 0.00 180 0 0.00 Henry 121 0 0.00 190 0 0.00 190 0 0.00 309 0 0.00 Isle of Wight Lee Lynchburg 57 57 100.00 113 57 50.44 113 57 50.44 168 57 33.93 Manassas City 112 0 0.00 190 0 0.00 312 0 0.00 Martinsville 102 0 0.00 186 0 0.00 186 0 0.00 288 0 0.00 * Mecklenburg 87 0 0.00 175 0 0.00 175 0 0.00 246 0 0.00 Montgomery 122 0 0.00 290 0 0.00 Newport News 63 0 0.00 117 0 0.00 141 0 0.00 Norfolk Orange 82 0 0.00 164 0 0.00 156 0 0.00 241 0 0.00 Patrick 140 0 0.00 201 0 0.00 211 0 0.00 318 0 0.00 Portsmouth 116 0 0.00 285 0 0.00 Virginia Education Association 40

Table 6(a): Stand Alone Vision Insurance Coverage Employee Only Employee and One Dependent Employee and Spouse Family Total School Division Share Total School Division Share Total School Division Share Total School Division Share Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent Cost $ Amount Percent * Prince William 100 0 0.00 123 0 0.00 203 0 0.00 Pulaski 74 0 0.00 142 0 0.00 227 0 0.00 Russell * Westmoreland 123 0 0.00 207 0 0.00 207 0 0.00 341 0 0.00 Count = 22 Averages 103 184 171 269 Since only one locality makes contributions to stand alone visiion premiums, averages were not calculated for the school division share. *Mecklenburg - Provider must be in network. Prince William - Can be in addition to vision plan included with medical plan or fo employees not enrolled in medical plan. Westmoreland - The School Board pays 100% of Employee Only vision coverage for employees who waive medical coverage and can provide evidence of coverage elsewhere. Virginia Education Association 41

Table 6(b): Stand Alone Vision Insurance Coverage Total Cost Employee and Children School Division Share $ Amount Percent Appomattox 179 0 0.00 Buckingham 179 0 0.00 Charlotte 252 0 0.00 Charlottesville 164 0 0.00 Colonial Beach 243 0 0.00 Franklin City 363 0 0.00 Halifax 180 0 0.00 Henry 193 0 0.00 Lynchburg 110 57 51.82 Manassas City 194 0 0.00 Martinsville 288 0 0.00 * Mecklenburg 247 0 0.00 Newport News 87 0 0.00 Orange 164 0 0.00 Patrick 318 0 0.00 * Prince William 126 0 0.00 Pulaski 149 0 0.00 * Westmoreland 211 0 0.00 Average 203 *See footnotes in Table 6(a). Virginia Education Association 42

Table 7: Disability and Other Insurance Coverage Offered and Division Contributions* Types of Insurance Coverage Offered Disability Additional Life Ins. Long Term Care Accident Cancer Other types School Division Contribution Accomack Albemarle Alexandria Long Term = 100% Alleghany Amelia Amherst Appomattox Arlington Long/Short Term Disability and additional Life Ins. = 100% Bath Bedford County/City Bland Botetourt Aflac Plans Bristol Aflac Plans Brunswick Buchanan Buckingham Buena Vista Campbell Carroll Charles City Charlotte Charlottesville Chesapeake Accidental Death & Dismemberment Chesterfield Clarke Colonial Beach Colonial Heights * marks indicate insurance coverage is available to employees. Unless otherwise noted, premium costs vary and the school division makes no contribution. Virginia Education Association 43

Table 7: Disability and Other Insurance Coverage Offered and Division Contributions* Types of Insurance Coverage Offered Disability Additional Life Ins. Long Term Care Accident Cancer Other types School Division Contribution Covington Craig Culpeper Cumberland Danville Additional Life Insurance =100% Dickenson Dinwiddie Essex Fairfax County/City Short term disability = 100% Falls Church Aflac plans Long term disability = 100% Fauquier Floyd Heart, Hospital ICU Care, Stroke, Specified health insurance Fluvanna Franklin City Franklin County Aflac plans Frederick Fredericksburg Aflac plans Galax Giles Gloucester Goochland Greene Halifax Hampton Hanover Long term disability = 100% Harrisonburg Henrico Long term disability = 100% for basic coverage * marks indicate insurance coverage is available to employees. Unless otherwise noted, premium costs vary and the school division makes no contribution. Virginia Education Association 44

Table 7: Disability and Other Insurance Coverage Offered and Division Contributions* Types of Insurance Coverage Offered Disability Additional Life Ins. Long Term Care Accident Cancer Other types School Division Contribution Henry Hopewell Long term care contribution varies with age of employee Isle of Wight King George King Queen King William Lancaster Lee Lexington Varies thru American Family Life Loudoun Louisa Lunenburg Lynchburg Madison Manassas City Aflac plans, Hospital Intensive Care Manassas Park Aflac plans, Hospital Intensive Care Long term disability = 0.172% of employees salary to Standard Martinsville Intensive care Long term disability = $34.80 flat fee Mathews Mecklenburg Middlesex Montgomery Long term disability = $170 Nelson Newport News Short term disability - 100% Norfolk Northumberland Norton * marks indicate insurance coverage is available to employees. Unless otherwise noted, premium costs vary and the school division makes no contribution. Virginia Education Association 45

Table 7: Disability and Other Insurance Coverage Offered and Division Contributions* Types of Insurance Coverage Offered Disability Additional Life Ins. Long Term Care Accident Cancer Other types School Division Contribution Nottoway Orange Page Patrick Petersburg Medical Bridge, Critical Illness, Intensive Care Poquoson Short term disability = 100% if employee doesn't select health or dental insurance. Portsmouth Powhatan Prince Edward Prince George Prince William Pulaski Radford Rappahannock Richmond City Richmond County Roanoke City Roanoke County Rockbridge Rockingham Aflac plans Russell Salem Scott Shenandoah Smyth Southampton Plans offered thru AFLAC Plans thru companies participating in payroll deduction * marks indicate insurance coverage is available to employees. Unless otherwise noted, premium costs vary and the school division makes no contribution. Virginia Education Association 46

Table 7: Disability and Other Insurance Coverage Offered and Division Contributions* Types of Insurance Coverage Offered Disability Additional Life Ins. Long Term Care Accident Cancer Other types School Division Contribution Spotsylvania Hospital Indemnity Stafford Hospital Intensive Care Staunton Suffolk Surry Sussex Virginia Beach Washington West Point Williamsburg/JCC Aflac plans Wise Wythe York Legal Count = 93 72 60 74 89 * marks indicate insurance coverage is available to employees. Unless otherwise noted, premium costs vary and the school division makes no contribution. Virginia Education Association 47

Table 8: Insurance Coverage Available for Teachers on Official Leave* Life Disability Long Term Care Accident Cancer Other Comments Accomack Albemarle Alexandria Amelia Amherst Appomattox Arlington Dental, Health Bath Bedford County/City Bland Dental, Health Botetourt Bristol Auto Brunswick Buchanan Buckingham Buena Vista Campbell Carroll Health Charles City Charlotte Charlottesville Chesapeake Chesterfield Clarke Colonial Beach Colonial Heights To the extent earned leave is exhausted plus 3 months If not on FMLA, employee is responsible for paying premiums. Employee responsible for entire premium May remain on life insurance for 12 months of leave. *Check marks indicate employees are allowed to remain in plan while on leave if previously enrolled. Virginia Education Association 48

Table 8: Insurance Coverage Available for Teachers on Official Leave* Life Disability Long Term Care Accident Cancer Other Comments Covington Craig Culpeper Cumberland Danville Dickenson Dinwiddie Essex Fairfax County/City Dental, Health, Flexible Spending Account Falls Church Health Insurance Fauquier Floyd Fluvanna Franklin City Franklin County Frederick Fredericksburg Other AFLAC plans Galax Giles Gloucester Goochland Greene Greensville Halifax Employee responsible for paying premiums. Dental and Health- employee pays full cost unless FMLA; Disability - Long Term Only; LongTerm Care - employee pays carrier directly Employee pays full premium If on FMLA, employee may remain on insurances. If on Leave of Absence, employee may remain but is responsible for making payments directly to carriers. Employee must pay full premiums. *Check marks indicate employees are allowed to remain in plan while on leave if previously enrolled. Virginia Education Association 49

Table 8: Insurance Coverage Available for Teachers on Official Leave* Life Disability Long Term Care Accident Cancer Other Comments Hampton Hanover All plans offered Harrisonburg Henrico Dental, Health Highland Hopewell Isle of Wight King George King Queen King William Lancaster Health Lee Lexington Loudoun Louisa Determined by plan providers Lunenburg Lynchburg Madison Manassas City Aflac, Health Insurance, Intensive Care, Vision Manassas Park Martinsville Health insurance, Intensive care Mathews Mecklenburg Middlesex Montgomery Nelson Employee responsible for payment of premiums if not receiving paycheck. *Check marks indicate employees are allowed to remain in plan while on leave if previously enrolled. Virginia Education Association 50

Table 8: Insurance Coverage Available for Teachers on Official Leave* Life Disability Long Term Care Accident Cancer Other Comments New Kent Newport News Norfolk Northampton Northumberland Norton Nottoway Orange Page Patrick Petersburg Critical Illness, Intensive Care, Medical Bridge Poquoson Portsmouth Powhatan Prince Edward Prince George Prince William Pulaski Radford Rappahannock Richmond City Roanoke City Roanoke County Rockbridge Rockingham If eligible for FMLA, employees may remain on insurances for up to 12 weeks of leave. Must be on approved leave and pay full premium. Employee is responsible for continuation of the premium Only for FMLA and employee must pay premium if not receiving paycheck. *Check marks indicate employees are allowed to remain in plan while on leave if previously enrolled. Virginia Education Association 51

Table 8: Insurance Coverage Available for Teachers on Official Leave* Life Disability Long Term Care Accident Cancer Other Comments Russell Shenandoah Smyth Southampton Spotsylvania Aflac Stafford Staunton Suffolk Surry Sussex Tazewell Virginia Beach Warren Washington Waynesboro West Point Westmoreland Williamsburg/JCC Winchester Wise Wythe York Legal Count = 79 85 59 73 86 Dental, Health Employee must arrange with the vendor to pay the premium. Employees on unpaid leave are responsible for paying full premiums. *Check marks indicate employees are allowed to remain in plan while on leave if previously enrolled. Virginia Education Association 52

Table 9: Health Insurance Coverage for Retired Teachers Time period for which retired teachers are allowed to remain in the group health insurance plan for active members: School divisions participating in health insurance premiums for retired teachers Not Allowed COBRA period Until Medicare For Lifetime Other Criteria Total Cost $ Amount Comments Accomack Albemarle 7,525 7,045 Alexandria 6,043 3,180 Alleghany Amelia Amherst Appomattox Arlington 5,276 4,063 Augusta 4,904 2,500 Eligibility terminates at the time retiree obtains other health insurance Bath Bedford County/City Bland 6,306 540 School Board continues to contribute $45 to monthly premium after Medicare eligible. Botetourt Bristol Variess Varies No School Board contribution. Brunswick Buchanan Buckingham Buena Vista 6,300 6,300 10 years or Medicare eligible. School contribution $181 after Medicare eligibility Campbell 4,128 3,828 Caroline Carroll Charles City Charlotte Virginia Education Association 53

Table 9: Health Insurance Coverage for Retired Teachers Time period for which retired teachers are allowed to remain in the group health insurance plan for active members: School divisions participating in health insurance premiums for retired teachers Not Allowed COBRA period Until Medicare For Lifetime Other Criteria Total Cost $ Amount Comments Charlottesville For a maximum of seven years. Under normal retirement guidelines, retiree is responsible for entire premium. There is a school contirubtion on a limited basis and time period as part of a retirement incentive program. Chesapeake Policy provides a percentage of total contribution beginning at 10 years of service with school division. Total contribution based upon retiree's VRS health care credit. Chesterfield 5,430 Varies Contributions are based on a grandfathered rule and full-time years of service with Chesterfield Schools Clarke Colonial Beach Colonial Heights Varies Varies School share = $4.50/mo. per year of earned VRS service up to a maximum of 30 years ($1,620.00/yr.) Covington 6,600 360 Craig Culpeper Cumberland Danville Dickenson 4,846 4,547 7 yrs. or Medicare eligible, whichever occurs first. Retiree cost can vary due to type of coverage. Dinwiddie Separate retiree plan Essex Fairfax County/City Varies 1,200 Medical Plan Subsidies are based on retirement plan membership. The subsidy quoted is for members of the Educational Employees' Supplementary Retirement System (ERFC) retirees. Retirees who are members of the Fairfax County Employees' Retirement System (FCERS) receive monthly reitree medical subsidies based on age and years of service. Falls Church Varies Fauquier 18 months or until age 65, whichever is longer Floyd Fluvanna Franklin City Virginia Education Association 54

Table 9: Health Insurance Coverage for Retired Teachers Time period for which retired teachers are allowed to remain in the group health insurance plan for active members: School divisions participating in health insurance premiums for retired teachers Not Allowed COBRA period Until Medicare For Lifetime Other Criteria Total Cost $ Amount Comments Franklin County Frederick Fredericksburg Varies Varies Division pays 100% of employer portion if employee has served 26-30 years with school division Galax Giles 5,760 5,760 Eligibility requires 30 yrs. in Giles Gloucester 4,909 Varies Goochland Grayson Greene Greensville Halifax Hampton Hanover 9,516 Varies Employer subsidy depends on the retirees years of service. Harrisonburg 4,439 2,886 Henrico Retirees who become Medicare eligible have the option to enroll in our Medicare Advantage plan at that time and can continue coverage for their lifetime. Henry Highland Hopewell Isle of Wight King George King Queen King William Lancaster Lee Virginia Education Association 55

Table 9: Health Insurance Coverage for Retired Teachers Time period for which retired teachers are allowed to remain in the group health insurance plan for active members: School divisions participating in health insurance premiums for retired teachers Not Allowed COBRA period Until Medicare For Lifetime Other Criteria Total Cost $ Amount Comments Lexington Varies Varies Loudoun Varies Varies Based on years of service with school division Louisa Lunenburg Lynchburg Madison 4,625 3,137 Manassas City Varies 2,280 To receive subsidy, eligibility requires 15+ years service with school division (including early retirees not Medicare eligible). Manassas Park Variess Varies Subsidy provided until the earlier of 15 years or Medicare eligibility and varies by plan and years of service.. Martinsville 3,174 2,340 Eligibility requires 15 yrs. of service with school division. Mathews 5,527 600 Mecklenburg Middlesex Montgomery Nelson New Kent Newport News Varies Varies Eligibility requires 10 yrs. of service with the system and enrollment at least 2 years prior to retirement. School Board contribution percentage based on sick leave days remaining at retirement. Norfolk Northampton 5,398 1,896 Northumberland Norton Varies Varies Nottoway Orange Page Patrick Virginia Education Association 56

Table 9: Health Insurance Coverage for Retired Teachers Time period for which retired teachers are allowed to remain in the group health insurance plan for active members: School divisions participating in health insurance premiums for retired teachers Not Allowed COBRA period Until Medicare For Lifetime Other Criteria Total Cost $ Amount Comments Petersburg Pittsylvania Poquoson Portsmouth 6,617 2,500 Powhatan 6,024 4,548 Prince Edward 5,280 540 Prince George Prince William Pulaski Radford Rappahannock 7.795 3,898 Richmond City 8,652 4,718 Richmond County 5,271 1,500 Roanoke City Roanoke County 5,572 2,500 School contribution made for a maximum of 5 years. Rockbridge 4,376 4,025 Retirees without 20 yrs. of service pay the entire premium. Rockingham 4,953 120 School contribution for employees in ERIP only. Russell Salem Scott Shenandoah Smyth Southampton Spotsylvania 6,192 5,141 Active employee rates apply until Medicare Stafford Must meet eligibility requirements. Virginia Education Association 57

Table 9: Health Insurance Coverage for Retired Teachers Time period for which retired teachers are allowed to remain in the group health insurance plan for active members: School divisions participating in health insurance premiums for retired teachers Not Allowed COBRA period Until Medicare For Lifetime Other Criteria Total Cost $ Amount Comments Staunton 4,800 Varies For 5 yars or Medicare eligible, whichever occurs first. School Board contributes $4,416 minus amount of VRS health credit received by retiree. Suffolk 4,860 2,430 Must meet local criteria. Otherwise, may remain for COBRA period only. Surry Sussex Tazewell 5,360 4,784 Virginia Beach 5,874 5,400 Eligibility requires 25 yrs. or service with school division. Warren Washington 5,640 1,500 Seven years maximum Waynesboro 5,064 2,532 West Point Westmoreland Williamsburg/JCC Winchester Wise Wythe York 6.528 3,264 Eligibility requires 20+ yrs. of service in the division and enrollment 2 years prior to retirement Other criteria for participation refers to requirements for years of service, age limitations, and the like. Virginia Education Association 58

Table 10: Local Retirement Defined Benefit Plans and Tax Sheltered Annuities Traditional Pension Plans (Defined Benefit) Employer Contribution Dollars or Percent Tax Sheltered Annuity (TSA) or 403b Plan Maximum Employer Contribution Dollars or Percent Comments on Traditional Pension Plans or Tax Sheltered Annuity Plans Alexandria 2.25% Amelia Arlington 0.4% Brunswick $500 Contribution to a 401a plan for bus drivers and transportation aides not covered under VRS.. Buchanan Charles City $750 School bus drivers and part-time cafeteria workers only. Culpeper $240 Essex Fairfax County/City 3.2% Falls Church 5.0% 1.0-3.0% Defined benefit for employees not VRS eligible. TSA contribution based on age and years of service. Gloucester $17,500 Only Superintendent receives contribution per contract Hanover $250 For part-time employees only Hopewell $660 Isle of Wight King George Lee Lynchburg $130 Available to full-time bi-weekly employees only. Newport News 1.3% Norfolk Orange $500 Contracted employees who are not eligible for VRS can opt to receive an annuity of $500 annually. The Superintendent also receives an annual annuity of $10,000 as part of his contract. Prince William Varies Graded scale based on number years of service Richmond City Varies Employer will match 20% on every dollar on 3% of salary maximum. Roanoke County $120 Employer will match minimum monthly contribution of $10 Russell Spotsylvania $500 For part-time contracted employees Washington 3% Match Employer contribution only for bus drivers and food service employees not eligible for VRS Number offering plans 1 4 10 4 Virginia Education Association 59

Table 11: Localities with Early Retirement Incentive Plans Health Insurance Premiums Plan Qualified Total Annual School Contribution Comments Albemarle No 7,525 7,045 Amelia Botetourt Buchanan Buckingham No No Buena Vista No 6,300 4,956 Campbell No 4,128 3,828 Chesterfield Danville Essex Yes 5,430 Varies No Contributions based on grandfathered rule and years of service Fauquier No 6,643 3,137 Floyd No Fluvanna No 5,496 5,187 Franklin County Fredericksburg Galax No No No Eligibility for division contribution requires 26-30+ years of service Grayson No 5,266 4,633 Greene No 5,367 5,312 Greensville Halifax Hanover No Yes No 9,516 3,012 Premiums remain the same as a non-erip retiree. Harrisonburg No 4,439 2,886 Henrico Isle of Wight King William No Yes Virginia Education Association 60

Table 11: Localities with Early Retirement Incentive Plans Health Insurance Premiums Plan Qualified Total Annual School Contribution Comments Lee Lexington Louisa No No Premiums remain the same as during the final year of employment Plan terminated 6/30/2009 for new enrollees; those in plan are allowed to complete their eligibility. Lynchburg No 3,938 3,938 Nelson Norfolk No Norton Yes Varies Varies Page No Varies Varies Patrick No 5,280 4,150 Pittsylvania No Portsmouth Yes 6,617 2,500 Powhatan Yes 6,024 4,548 Prince William Pulaski Radford No No No Richmond City Yes 8,652 4,718 Roanoke County Rockbridge Rockingham Russell Salem Scott Shenandoah Smyth No 5,572 2,500 No 4,376 4,025 No No No No 5,052 5,052 No School division contribution of $2,500 each year for maximum of 5 years. Less Health Care Credit For 2009-10 only, 3 options: 20% retirement bonus (based on current annual salary);enhanced sick leave payout ($75 per unused day); or substitute teach for 70 days to receive full, single-coverage health insurance payment on base plan for 1, 2, or 3 yrs. Virginia Education Association 61

Table 11: Localities with Early Retirement Incentive Plans Health Insurance Premiums Plan Qualified Total Annual School Contribution Comments Stafford No Must meet eligibility requirements. Tazewell No 5,360 4,784 Waynesboro No Same as non-erip retiree Westmoreland Yes 5,568 5,009 Winchester Wise Wythe No Yes Yes Count 49 Virginia Education Association 62

Table 12: Flexible Benefit Plans Flexible Benefit Plans Include: Flexible Benefit Plans Include: Health Care Dependent Care Private Insurance Other Health Care Dependent Care Private Insurance Other Albemarle Colonial Beach Alexandria Colonial Heights Alleghany Amelia Covington Craig Amherst Cancer, Disability Appomattox Arlington Augusta Culpeper Cumberland Danville Dinwiddie Bedford County/City Essex Bland Botetourt Bristol Fairfax County/City Falls Church Fauquier Brunswick Buchanan Floyd Fluvanna Buckingham Franklin City Buena Vista Campbell Carroll Franklin County Frederick Fredericksburg Charles City Giles Charlotte Charlottesville Chesapeake Chesterfield Clarke Gloucester Goochland Grayson Private insurance premiums must be on current payroll deduction Greene Virginia Education Association 63

Table 12: Flexible Benefit Plans Flexible Benefit Plans Include: Flexible Benefit Plans Include: Health Care Dependent Care Private Insurance Other Health Care Dependent Care Private Insurance Other Greensville Halifax Hampton Middlesex Montgomery Nelson Hanover New Kent Harrisonburg Newport News Henrico Norfolk Henry Northampton Hopewell Isle of Wight Northumberland Orange King George King Queen King William Lancaster Patrick Petersburg Pittsylvania Poquoson Lee Portsmouth Lexington Loudoun Louisa Lunenburg Lynchburg Madison Manassas City Manassas Park Martinsville Mecklenburg Powhatan Prince Edward Prince George Prince William Pulaski Radford Richmond City Richmond County Roanoke City Roanoke County Virginia Education Association 64

Table 12: Flexible Benefit Plans Flexible Benefit Plans Include: Flexible Benefit Plans Include: Health Care Dependent Care Private Insurance Other Health Care Dependent Care Private Insurance Other Rockbridge Rockingham Russell Salem Scott Shenandoah Smyth Southampton Spotsylvania Stafford Staunton Suffolk Tazewell Virginia Beach Warren Washington Waynesboro West Point Westmoreland Williamsburg/JCC Winchester Wise Wythe York Count 112 101 23 Virginia Education Association 65