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The Empire Plan is a unique health insurance plan designed especially for public employees in New York State. Empire Plan benefits include inpatient and outpatient hospital coverage, medical/surgical coverage, Centers of Excellence for transplants, infertility and cancer, home care services, equipment and supplies, mental health and substance abuse coverage and prescription drug coverage.

State Seal
GEORGE E. PATAKI
GOVERNOR
STATE OF NEW YORK
DEPARTMENT OF CIVIL SERVICE
ALBANY, NEW YORK 12239
www.cs.ny.gov
GEORGE C. SINNOTT
COMMISSIONER
DANIEL E. WALL
EXECUTIVE
DEPUTY COMISSIONER

PA01-04

TO: Participating Agencies
FROM: Employee Benefits Division
SUBJECT: Correction to PA Fourth Quarter Report
DATE: March 8, 2001

The Empire Plan Quarterly Experience Report, PA 01-02, dated February 26, 2001, included an incorrect exhibit page. Exhibit II, page 3 is a duplicate of page 2. Attached are replacement pages 2 and 3 of Exhibit II. Please replace the corresponding pages in the reports sent to both the Chief Executive Officer and Health Benefits Administrator.

We are sorry for any inconvenience this error may have caused.

Exhibit II

Empire Plan
Participating Agency Premium Rates
Comparison of 2001 and Projected 2002 Rates

CORE ONLY - Plan Prime

Individual

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

293.01

314.74

7.4%

283.24

309.91

9.4%

Best Estimate

293.01

321.13

9.6%

283.24

316.30

11.7%

Pessimistic 293.01 336.42 14.8% 283.24 331.59 17.1%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE ONLY - Plan Prime

Family

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

608.59

653.15

7.3%

588.51

643.04

9.3%

Best Estimate

608.59

666.41

9.5%

588.51

656.30

11.5%

Pessimistic

608.59

696.37

14.4%

588.51

686.26

16.6%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE ONLY - MediPrime

Individual

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

236.42

268.93

13.8%

230.99

264.36

14.4%

Best Estimate

236.42

274.41

16.1%

230.99

269.84

16.8%

Pessimistic 236.42 288.73 22.1% 230.99 284.16 23.0%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE ONLY - MediPrime

Family-1

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

553.16

608.39

10.0%

537.43

598.55

11.4%

Best Estimate

553.16

620.75

12.2%

537.43

610.91

13.7%

Pessimistic

553.16

649.73

17.5%

537.43

639.89

19.1%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE ONLY - MediPrime

Family-2

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

495.31

561.45

13.4%

483.91

551.88

14.0%

Best Estimate

495.31

572.90

15.7%

483.91

563.33

16.4%

Pessimistic

495.31

600.89

21.3%

483.91

591.32

22.2%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL ENHANCEMENT - Plan Prime

Individual

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

323.21

348.18

7.7%

312.44

339.76

8.7%

Best Estimate

323.21

355.25

9.9%

312.44

346.83

11.0%

Pessimistic

323.21

372.22

15.2%

312.44

363.80

16.4%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL ENHANCEMENT - Plan Prime

Family

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

668.99

720.03

7.6%

646.91

702.76

8.6%

Best Estimate

668.99

734.66

9.8%

646.91

717.39

10.9%

Pessimistic

668.99

767.97

14.8%

646.91

750.70

16.0%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL ENHANCEMENT - MediPrime

Individual

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

245.51

279.00

13.6%

239.82

273.48

14.0%

Best Estimate

245.51

284.68

16.0%

239.82

279.16

16.4%

Pessimistic

245.51

299.51

22.0%

239.82

293.99

22.6%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL ENHANCEMENT - MediPrime

Family-1

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

592.45

651.90

10.0%

575.44

637.52

10.8%

Best Estimate

592.45

665.15

12.3%

575.44

650.77

13.1%

Pessimistic

592.45

696.31

17.5%

575.44

681.93

18.5%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL ENHANCEMENT - MediPrime

Family-2

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

513.49

581.58

13.3%

501.56

570.13

13.7%

Best Estimate

513.49

593.44

15.6%

501.56

581.99

16.0%

Pessimistic

513.49

622.44

21.2%

501.56

610.99

21.8%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL & PSYCHIATRIC ENHANCEMENTS - Plan Prime

Individual

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

325.23 350.18 7.7% 314.26 341.76 8.8%

Best Estimate

325.23 357.29 9.9% 314.26 348.87 11.0%

Pessimistic

325.23 374.23 15.1% 314.26 365.81 16.4%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL & PSYCHIATRIC ENHANCEMENTS - Plan Prime

Family

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

673.67 724.66 7.6% 651.09 707.37 8.6%

Best Estimate

673.67 739.39 9.8% 651.09 722.10 10.9%

Pessimistic

673.67 772.61 14.7% 651.09 755.32 16.0%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL & PSYCHIATRIC ENHANCEMENTS - MediPrime

Individual

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

245.64 279.13 13.6% 239.94 273.61 14.0%

Best Estimate

245.64 284.81 15.9% 239.94 279.29 16.4%

Pessimistic

245.64 299.64 22.0% 239.94 294.12 22.6%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL & PSYCHIATRIC ENHANCEMENTS - MediPrime

Family-1

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

595.25 654.66 10.0% 577.95 640.27 10.8%

Best Estimate

595.25 667.97 12.2% 577.95 653.58 13.1%

Pessimistic

595.25 699.08 17.4% 577.95 684.69 18.5%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

CORE PLUS MEDICAL & PSYCHIATRIC ENHANCEMENTS - MediPrime

Family-2

Gross Rates(1)
2001

Gross Rates(1)
2002

Gross Rates(1)
% Change

Net Rates(2)
2001

Net Rates(2)
2002

Net Rates(2)
% Change

Optimistic

514.40 582.48 13.2% 502.37 571.03 13.7%

Best Estimate

514.40 594.35 15.5% 502.37 582.90 16.0%

Pessimistic

514.40 623.34 21.2% 502.37 611.89 21.8%

(1) Represents premiums charged by the carriers.
(2) Represents cost to a participating agency.

Exhibit III

Schedule I

New York State Health Insurance Program
Participating Agencies
Empire Rates - Projected for 2002
Best Estimate

Option 8 - Core Only - Plan Prime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 98.87 130.28   7.60   82.66 0.33 1.39 321.13 2.72 0.00   0.46   1.10 0.00 0.99 -0.44 316.30 SEE PS 508
Family 205.94 270.08   18.41   168.37 0.75 2.86 666.41 5.61 0.00   1.13   2.22 0.00 2.05 -0.90 656.30 SEE PS 508

Option 8 - Core Only - MediPrime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 68.42 37.39   0.73   167.54 0.33 0.00 274.41 1.82 0.00   0.04   2.23 0.00 0.80 -0.32 269.84 SEE PS 508
Family-1 175.49 177.19   11.54   253.26 0.75 2.52 620.75 4.71 0.00   0.70   3.36 0.00 1.85 -0.78 610.91 SEE PS 508
Family-2 145.04 84.29   4.67   338.15 0.75 0.00 572.90 3.81 0.00   0.27   4.50 0.00 1.66 -0.67 563.33 SEE PS 508

Option 7 - Core Plus All Enhancements - Plan Prime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 98.87 130.28 34.12 7.60 2.04 82.66 0.33 1.39 357.29 2.72 0.00 3.48 0.46 0.00 1.10 0.00 1.10 -0.44 348.87 SEE PS 508
Family 205.94 270.08 68.25 18.41 4.73 168.37 0.75 2.86 739.39 5.61 0.00 6.95 1.13 0.00 2.22 0.00 2.28 -0.90 722.10 SEE PS 508

Option 7 - Core Plus All Enhancements - MediPrime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 68.42 37.39 10.27 0.73 0.13 167.54 0.33 0.00 284.81 1.82 0.00 0.92 0.04 0.00 2.23 0.00 0.83 -0.32 279.29 SEE PS 508
Family-1 175.49 177.19 44.40 11.54 2.82 253.26 0.75 2.52 667.97 4.71 0.00 4.39 0.70 0.00 3.36 0.00 2.01 -0.78 653.58 SEE PS 508
Family-2 145.04 84.29 20.54 4.67 0.91 338.15 0.75 0.00 594.35 3.81 0.00 1.82 0.27 0.00 4.50 0.00 1.72 -0.67 582.90 SEE PS 508

Option 6 - Core Plus Medical Enhancements - Plan Prime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 98.87 130.28 34.12 7.60   82.66 0.33 1.39 355.25 2.72 0.00 3.48 0.46   1.10 0.00 1.10 -0.44 346.83 SEE PS 508
Family 205.94 270.08 68.25 18.41   168.37 0.75 2.86 734.66 5.61 0.00 6.95 1.13   2.22 0.00 2.26 -0.90 717.39 SEE PS 508

Option 6 - Core Plus Medical Enhancements - MediPrime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 68.42 37.39 10.27 0.73   167.54 0.33 0.00 284.68 1.82 0.00 0.92 0.04   2.23 0.00 0.83 -0.32 279.16 SEE PS 508
Family-1 175.49 177.19 44.40 11.54   253.26 0.75 2.52 665.15 4.71 0.00 4.39 0.70   3.36 0.00 2.00 -0.78 650.77 SEE PS 508
Family-2 145.04 84.29 20.54 4.67   338.15 0.75 0.00 593.44 3.81 0.00 1.82 0.27   4.50 0.00 1.72 -0.67 581.99 SEE PS 508

*79.9% of 2001 Rate

New York State Health Insurance Program
Participating Agencies
Empire Rates - Projected for 2002
Optimistic

Option 8 - Core Only - Plan Prime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 96.89 127.68   7.45   81.00 0.33 1.39 314.74 2.72 0.00   0.46   1.10 0.00 0.99 -0.44 309.91 SEE PS 508
Family 201.82 264.68   18.04   165.00 0.75 2.86 653.15 5.61 0.00   1.13   2.22 0.00 2.05 -0.90 643.04 SEE PS 508

Option 8 - Core Only - MediPrime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 67.05 36.64   0.72   164.19 0.33 0.00 268.93 1.82 0.00   0.04   2.23 0.00 0.80 -0.32 264.36 SEE PS 508
Family-1 171.98 173.64   11.31   248.19 0.75 2.52 608.39 4.71 0.00   0.70   3.36 0.00 1.85 -0.78 598.55 SEE PS 508
Family-2 142.14 82.61   4.57   331.38 0.75 0.00 561.45 3.81 0.00   0.27   4.50 0.00 1.66 -0.67 551.88 SEE PS 508

Option 7 - Core Plus All Enhancements - Plan Prime

  Blue Cross
Core
MetraHealth
Core
MetraHealth
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA
Rx
EMS Intra-
Corp*
GROSS
RATES
B/C
Core
Met
Core
Met
PA Enh
MHSA
Core
MHSA
PA Enh
CIGNA Med
Adj
INTEREST
REG*
INTEREST
Spec
Net
LWOP
EE ER
Individual 96.89 127.68 33.44 7.45 2.00 81.00 0.33 1.39 350.18 2.72 0.00 3.48 0.46 0.00 1.10 0.00 1.10 -0.44 341.76 SEE PS 508
Family 201.82 264.68 66.88 18.04 4.63 165.00 0.75 2.86 724.66 5.61 0.00