Focus on Employees

Out-of-pocket expense levels

Employees and their covered family members continue to receive the same high level of medical coverage they are used to receiving, but the participation of employees and their spouse/domestic partners in Healthy Incentives℠ affects their level of out-of-pocket expenses. Healthy Incentives℠ has three levels of out-of-pocket expense levels that are determined by participation: gold (lowest level), silver (moderate level) and bronze (highest level). Here are examples of the differences in out-of-pocket expense levels for KingCare℠ and Group Health.

KingCare℠

	Gold	Silver	Bronze
Annual deductible	$100 Individual $300 Family	$300 Individual $900 Family	$500 Individual $1,500 Family
Coinsurance (in-network provider)	10% (King County pays 90%)	20% (King County pays 80%)	20% (King County pays 80%)

Group Health

	Gold	Silver	Bronze
Copay	$25	$35	$50
Emergency room copay	$200 per admission	$400 per adminssion	$600 per admission