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Res No 069-25-16361
RESOLUTION NO.069-25-16361 A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA,AUTHORIZING THE CITY MANAGER TO RENEW HEALTH INSURANCE COVERAGE WITH CURATIVE INSURANCE COMPANY FOR ELIGIBLE EMPLOYEES AND PARTICIPATING RETIREES FOR FISCAL YEAR 2025-26 IN THE APPROXIMATE PREMIUM AMOUNT OF $1,254,027;PROVIDING FOR IMPLEMENTATION,CORRECTIONS,AND AN EFFECTIVE DATE. WHEREAS,the City of South Miami (the “City”)is in need of essential health insurance coverage for all eligible employees,dependents and participating retirees for Fiscal Year (FY) 2025-2026 (the “Services”)on an expedient basis to maintain continuous coverage;and WHEREAS,the City,through its insurance broker of record,US-I Insurance Services Inc., Inc.(“Insurance Broker”),solicited quotes from six (6)health insurance carriers;and WHEREAS,City Staff worked with the Insurance Broker to renegotiate its existing plan or find an acceptable alternative plan from other carriers;and WHEREAS,based upon acceptable quotes received from two (2)providers,and City Staffs recommendation on the most beneficial plans available,the City Commission desires to approve the renewal of the Services from Curative Insurance Company (“Curative”)in the amount of approximately $1,254,027 cost to the City,based on the budgeted full-time positions for FY 2025-26,all as set forth in the City Manager’s memorandum presented with this Resolution;and WHEREAS,the City Commission further desires to authorize the City Manager to execute any necessary agreements with Curative for the Services;and WHEREAS,the premium amount shall be paid from various line items from various departments,as applicable,and charged to departmental budget line items as proposed in the FY 2025-26 Budget;and Page 1 of 3 Res.No.069-25-16361 WHEREAS,the City Commission finds that this Resolution is in the best interest and welfare of the City,its employees and participating retirees. NOW THEREFORE,BE IT RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE CITY OF SOUTH MIAMI,FLORIDA,AS FOLLOWS: Section 1.Recitals.The above-stated recitals are true and correct and are incorporated herein by this reference. Section 2.Authorizing City Manager to Renew with Curative for Health Insurance Coverage for Eligible City Employees.The City Commission hereby authorizes the City Manager to renew with Curative for the Services in the amount of approximately $1 ,254,027 cost to the City based on the budgeted full-time positions for FY 2025-26,as set forth in the City Manager’s memorandum presented with this Resolution.The premium amount shall be paid from various line items from various departments,as applicable,and charged to departmental budget line items as proposed in the FY 2025-26 Budget. Section 3,Implementation.The City Manager is hereby authorized to take any and all necessary action to implement the purposes of this Resolution,including executing any necessary agreement(s)with Curative for the Services,subject to the approval of the City Attorney as to form and legal sufficiency. Section 4.Corrections.Conforming language or technical scrivener-type corrections may be made by the City Attorney for any conforming amendments to be incorporated into the final resolution for signature. Section 5.Effective Date.This Resolution shall become effective immediately upon adoption. Page 2 of 3 Res.No.069-25-16361 PASSED AND ADOPTED this 19^day of August.2025. ATTEST: READ AND APPROVED AS TO FORM, LANGUAGE,LEGALITY AND EXECUTION THEREOF WEISS SEROTA HELFMAN COLE &BIERMAN,P.L. CITY ATTORNEY APPROVED: MAYOR COMMISSION VOTE:4-0 Mayor Javier Fernandez:Yea Vice Mayor Brian Corey:Yea Commissioner Lisa Bonich:Yea Commissioner Steve Calle:Yea Commissioner Danny Rodriguez:Absent Page 3 of 3 Subject: Suggested Action: Meeting Date:August 19, 2025 Submitted By:Nkenga Payne Submitted Department:Human Resources Item Type:Resolution Agenda Section:CONSENT AGENDA A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA, AUTHORIZING THE CITY MANAGER TO RENEW HEALTH INSURANCE COVERAGE WITH CURATIVE INSURANCE COMPANY FOR ELIGIBLE EMPLOYEES AND PARTICIPATING RETIREES FOR FISCAL YEAR 2025-26 IN THE APPROXIMATE PREMIUM AMOUNT OF $1,254,027; PROVIDING FOR IMPLEMENTATION, CORRECTIONS, AND AN EFFECTIVE DATE. 3/5 (CITY MANAGER - HUMAN RESOURCES) Agenda Item No. 1. CITY COMMISSION Agenda Item Report Attachments: Manager_Memo_-_2025- 26_Health_Insurance_for_FTEs_and_Participating_Retirees__2_.rev.docx Curative Renewal Eff 10-01-2025 (002).pdf Resolution Purchase Health Insurance FY 2025-26.DOCX Cigna Proposal Eff 10-01-2025.pdf Medical Market Rate Illustrations 2025 Renewal.pdf PRM-GHT Medical Quote - 10.1.25 Rates.pdf 1 CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER TO: The Honorable Mayor, Vice Mayor & Members of the City Commission FROM: Genaro “Chip” Iglesias, City Manager DATE: August 19, 2025 SUBJECT: Health Insurance for Eligible Employees and Participating Retirees for Fiscal Year (FY) 2025-26 RECOMMENDATION: Authorize the City Manager to renew the City’s policy with Curative Insurance Company for medical insurance for the City’s Eligible Employees and Participating Retirees. BACKGROUND: The City’s Broker of Record, US-I Insurance Services Inc., solicited quotes from Aetna, AvMed, Florida Blue, United Healthcare, Cigna Healthcare, as well as from Curative Insurance Company (the City’s current carrier), for the medical health insurance coverages for South Miami full-time employees and retirees for the FY 2025-26. Based on the City’s high claims experience, Aetna and United Healthcare declined to quote, as they could not offer a competitive rate. Cigna provided a proposal that was 21.7% higher than the City’s renewal and offered a lesser plan, thus was deemed non-competitive. The City independently requested a proposal from Public Risk Management of Florida Group Health Trust (PRM -GHT) which produced a 22% higher renewal and offered lesser plans, thus was deemed non-competitive. Curative Insurance Company submitted a renewal quote for its PPO plan with a 10% change as per pre-renewal cap. Their PPO plan includes zero- dollar copays and zero-dollar deductibles with the completion of one (1) baseline visit (per year, per employee and dependents 18+) within 120 days from the plan start date. Based on the employee only cost and 137 eligible employees, the annual cost to the City would be approximately $1,254,027 an increase approximately $113,995 from current plan year. The rates are consistent with what the City and employees paid in FY 22- 23 and 23-24. Employees who have their spouse on the plan would see an annual increase of approximately $1,747 on their premiums, employees with their children on the plan would see an approximate increase of $1,531 annually 2 South'*’Miami THE CITY OF PLEASANT LIVING CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER on their premiums and employees with their families on the plan would see an approximate annual increase of $2,596. With completion of the baseline visit, employees will continue to benefit from $0 co-pays and deductibles for the plan year. Curative utilizes the widely recognized First Health Network. 24/7 virtual care options are also available on-demand. Based on the plan, the network, and renewal premium cap increase of 10% associated, the City recommends renewal of the PPO Plan as medical insurance coverage for FY 2025-26 from Curative Insurance Company. AMOUNT: The estimated total annual premium cost for health benefits paid by the City is approximately $1,254,027 based on the budgeted eligible positions in FY 2025-26. ACCOUNT: Premium charges for health insurance coverages will be charged to the designated departmental budget line items as proposed in the Fiscal Year 2025-26 budget. ATTACHMENTS: A. Medical Market Rate Illustrations B. Decline to Quote Letters (Aetna, AvMed, Florida Blue, & United Healthcare) C. Cigna Proposal – Non-Competitive D. PRM-GHT Proposal – Non-Competitive E. Proposed Resolution F. Curative Proposal 3 SouthTMiami THE CITY OF PLEASANT LIVING © 2025, Curative Insurance Company Unlock another year of better health and benefits Prepared for City of South MiamiChange Group Name Change Date Presented on 7/30/2025 Effective Date: 10/1/2025 4 © 2025, Curative Insurance Company A heartfelt thank you for a year of partnership and health innovation Greetings, As we reflect on the past year, I am filled with gratitude for the opportunity to have served as your health insurance provider. When we set out to create Curative, our mission was clear: to redefine health insurance. We recognized the shortcomings of traditional plans, particularly high deductible ones, and were determined to craft a solution that truly works for everyone involved. The result is a health insurance plan that is distinctively different – by design. At Curative, we eliminate financial barriers to healthcare and provide a level of transparency, engagement and simplicity that sets us apart. We firmly stand by the belief that health insurance should seamlessly cover the cost of healthcare. Period. We believe that when healthcare is made easy, employees get the care they need to be healthy, productive, and engaged with your company. As we approach the renewal period, we have carefully evaluated our rates to ensure that Curative can continue to deliver exceptional value to your workforce. Due to various factors such as rising healthcare costs and market conditions, we find it necessary to implement a rate change for the upcoming plan year. While we understand this may come as a challenge, we hope you find that it remains competitive. Please be rest assured that we remain committed to providing you with the highest level of service and support, as well as meaningful results. It's only through continued partnership that true value can continue to be realized. Choosing Curative means choosing a partner committed to building a healthier workforce at every step. We have been honored to be a part of your journey this past year, and we look forward to continuing this partnership in the upcoming plan year. Thank you for entrusting Curative with your employees' health and well-being. Fred Turner Chief Executive Officer 2 OPTION B: RATE CHANGE Delete either page 2 or 3 Use this page if increase is 5% or more 5 © 2025, Curative Insurance Company Better health depends on care people can use and afford. We’re offering a plan you and your employees deserve. Fueling our members’ health is our mission. completion of the Baseline Visit Clinicians rating Care Navigator rating Net Promoter Score We’re investing in our members' vitality in a way that is personalized and proactive… and members love it. 98%79 4.8 4.9 Enhanced relationship with our members based on value and trust •Care Navigator •Partnership in health •Engagement from day 1 Simple. Benefit design that removes financial barriers to care •$0 copays and deductibles provides transparency and affordability Member experience with guidance at every stage of their health journey •Baseline Visit •Proactive care management •Differentiated Curative Pharmacy Affordable.Engaging. 36 71 71 © 2025, Curative Insurance Company 4 Curative offers multiple $0 out-of-pocket plan options for flexibility and member choice EPO PPO PPO Max Brief Essentials plan: $0 out-of pocket costs limited to in-network coverage only Choice plan: $0 out-of pocket costs in-network with flexibility to pay some cost for out-of-network care Maximum choice plan: $0 out-of-pocket costs for both in and out-of-network care across the U.S. In-Network Wide choice of nearly 1M in-network providers Wide choice of nearly 1M in-network providers Wide choice of nearly 1M in-network providers Out-of-Network No OON coverage $10k/$20k Deductible (indiv/family)$0 Deductible / $0 Coinsurance Benefits are always maximized in-network, but OON flexibility delivers value to many members. As with any network based plan, OON providers charging more than usual and customary fees for service may bill patients for remaining balances after receipt of claim payment from Curative. To prevent risk of balance bills, choose in-network providers. Rx Network Mail order and select retail, including: H-E-B, Albertsons, Safeway, Publix 30,000+ pharmacies nationwide Mail order and select retail, including: H-E-B, Albertsons, Safeway, Publix 30,000+ pharmacies nationwide +CVS, Walgreens, Walmart, Rite Aid +60,000+ pharmacies nationwide Curative Zero Card The Curative Zero Card is an easy point of service payment card with $0 out of pocket costs comes with all plans. It can be used for convenience or for guaranteed access at in-network or designated providers as noted in the Curative provider directory. Chiropractic Coverage Buy-up only Chiropractic coverage included Chiropractic coverage included Fitness None None ClassPass membership included Curative makes it easy for employees to know where they stand with their complete health and make the choices to live a happier, healthier, more resilient life. Plan availability varies by state. TX & FL 7 Benefits Summary PPO Plan Coverage Curative In-Network (Copay deductible, copay insurance when compliant with Baseline Visit) Curative In-Network (Copay deductible, copay insurance when non-compliant with Baseline Visit) Curative Out-of-Network (Providers may balance bill for charges above allowable rates) Annual Deductible $0 $5,000/person and $10,000/family $10,000/person and $20,000/family Coinsurance Percentage 0%20% Medical 25% Pharmacy 50% Annual Out-of-Pocket Limit (Medical)$0 $7,500/person and $15,000/family $15,000/person and $30,000/family Lifetime Maximum Benefit No Limit No Limit No Limit Office/Virtual Visit - Family Practice,Internal Medicine, OB/ GYN, Pediatrics, Chiropractic $0 $25 copay after deductible $50 copay after deductible Specialist Office/Virtual Visit $0 $50 copay after deductible $100 copay after deductible Telemedicine - Urgent Care with a 24/7/365 On Demand Doctor Visit $0 $0 copay 50% coinsurance after deductible Preferred Drugs - Includes certain Generic, Brand Name, & Specialty drugs $0 $50 copay after deductible 40% coinsurance after deductible Non-preferred Drugs $50 brand and generic $250 specialty $100 copay after deductible for brand & generic 25% coinsurance after deductible for specialty drugs 40% coinsurance after deductible Rx Network Mail order and select retail, including: H-E-B, Albertsons, Safeway, Publix 30,000+ pharmacies nationwide Urgent Care*, Hospital / Free Standing Emergency Room $0 20% coinsurance after deductible 20% coinsurance after deductible Emergency Room Physicians $0 20% coinsurance after deductible 20% coinsurance after deductible Outpatient Surgery - Physician $0 20% coinsurance after deductible 50% coinsurance after deductible Outpatient Lab and X-Ray $0 20% coinsurance after deductible 50% coinsurance after deductible Hospital - Semi-private Room and Board $0 20% coinsurance after deductible 50% coinsurance after deductible Hospital Inpatient Surgery $0 20% coinsurance after deductible 50% coinsurance after deductible Curative Benefits At-A-Glance Curative makes it easy for employees to know where they stand with their complete health and make the choices to live a happier, healthier, more resilient life. Plan availability varies by state. 5 *Urgent Care Out of Network 50% coinsurance after deductible 8 Direct access to practicing family doctors and pediatricians Broad national provider network of ~1M providers. of Americans have access to our strong national provider network including physicians, care professionals, and care facilities. Easily locate in-network providers using our provider search tool at curative.com/get-care. See a doctor from the comfort of home. 8,000 Hospitals 1M~ Professional Providers National 24/7/365 $0 copay Messaging, audio, or video chat 170K Ancillary Facilities 96% © 2025 Curative Insurance Company. 9 #curative telehealth Curative Guide to $0 Care* We guarantee $0 copays and deductibles for covered services provided by any doctor in our search.* There are two options to provide payment covered by Curative: 1) insurance billing using the Curative Member ID Card and 2) self-pay using our unique Curative Cash Card. Either way, you don’t pay. Here is a quick and easy guide to $0 care. Two cards. One goal. Zero dollars. Option 1 Member ID Card Option 2 Curative Cash Card Start here Provider Search All clinicians shown at curative.com/providers have $0 out-of-pocket costs for covered services. Use the Curative Member ID Card first if the provider shows in our search. Use the Curative Cash Card for any provider that shows as Curative Cash Card. Tell the front desk you will self-pay and hand over your Curative Cash Card. Think of it as a payment card with no impact on credit. It can be used for office visits, urgent care, behavioral health, and certain services without hospital stays. It does not include medications, labs and non-covered benefits. More $0 Providers: It’s easy to nominate a provider for the Curative Cash Card. Fill out a quick form cur.tv/nominate or call Member Services 855-428-7284. Backup: If a provider appears in our search but does not take your Member ID Card for any reason or tries to charge a copay, say you’ll self-pay instead and hand over your Curative Cash Card. ©2024, Curative Insurance Company Members must be 18 years and older to use the Curative Cash Card and complete their Baseline Visit in the first 120 days of their plan start date to maintain $0 out-of-pocket costs. Curative Cash Card Visa® Commercial Credit cards are issued by Celtic Bank. Additional Terms & Conditions can be found in your Member Portal Account at health.curative.com.10 *curative curative WhyCurative For Members Find a Medication Member Portal ©English v- <o Primary Care -All ©Dallas,Texas Get Care Now 24/7 curative Cameron Jackson Williamson CM000843401 Effective Date:XX-XX-XXXX OFirst HealthNetwork Deductible: Copays: Primary Specialist Urgent Care/ER Telemedicine Preferred Rx Non-Preferred Rx Cofinity HtSrCHCKt $0 0 Capital Rx RxBIN:610852 <tn RxPCNiCHM RxGrp:CURATIVE$0 $0 $0 $0 $50 /$250 DOI 855-4-CURATIVE (855-428-7284) © 2025, Curative Insurance Company Curative offers programs to empower members to be their best self. *$0 wellness and condition management. Our diverse range of programs are designed to address specific health conditions and support individual health goals. To learn more visit curative.com/programs. Mental Health wellness programs designed to connect you to readily available mental health resources that address your individual needs. Type 2 diabetes one-on-one support, and regular check-ins for effectively managing Type 2 diabetes. Noom a psychology-based program to encourage healthy lifestyle habits. Substance Abuse personalized treatment program to help overcome tobacco, alcohol, opioid, and cannabis use. Galleri (50+) a first-of-its-kind — a test that looks for a signal shared by more than 50 types of cancer with a single blood test. H-E-B nutrition plans crafted by H-E-B certified nutritionists to cater to your dietary requirements. (Texas only) ClassPass (For PPO Max members only, access to a 25-credit monthly membership is included in your plan. © 2024 Curative Insurance Company. Hearing Aids Access top-of-the-line hearing aids for $0 out-of-pocket costs through covered audiologists and our convenient partnerships 11 curativetwodiairs&Rula televero T^Galleri =PelaooMulti-cancer early detection CO classpass Costco audigus WMOLFMt F © 2025, Curative Insurance Company 9 Your Current Rates FI Single Option Current Plan Year: 10/1/2024 - 9/31/2025 PPO & Chiro Employees by Tier Monthly Cost by Tier Total Monthly Premium Employee Only 88 $693.45 $61,023.60 Employee & Spouse 0 $1,456.24 $0.00 Employee & Child(ren)8 $1,275.95 $10,207.60 Employee & Family 5 $2,163.57 $10,817.85 101 $82,049.05 Current Total Monthly Cost $82,049.05 Commissions Amount Type 6 % of prem 12 © 2025, Curative Insurance Company 10 Your Renewal Quote “The rate quote provided is conditional and subject to final underwriting of the group through the census provided to us, participation and contribution levels, as well as other information in the employer and employee-specific application and enrollment forms. An employer in receipt of this conditional rate quote should not cancel any existing group health coverage before obtaining a final quote from us after final underwriting has been completed. The coverage described may include a summary or abbreviated version of the actual insurance contract. The Group Policy and certificates of coverage are the contractual documents that will control in the event of any conflict.” Renewal Plan Year: 10/1/2025 - 9/31/2026 PPO & Chiro Employees by Tier Monthly Cost by Tier Total Monthly Premium Employee Only 88 $762.79 $67,125.52 Employee & Spouse 0 $1,601.86 $0.00 Employee & Child(ren)8 $1,403.54 $11,228.32 Employee & Family 5 $2,379.92 $11,899.60 101 $90,253.44 Current Total Monthly Cost $82,049.05 Renewal Total Monthly Cost $90,253.44 Percentage Change 10.0% Commissions Amount Type 6 % of prem Subscribers 101 Membership 137 FI Single Option ❏Check here to indicate these plan(s) selected. ❏Included in your plan are the following riders: ❏Weight Loss Rider A ❏Weight Loss Rider B ❏Infertility Rider ❏Chiropractic Rider ❏WAIVED all riders Upon acceptance of this renewal, we will prepare and send you the required Signature Documents ✔ 13 © 2025 Curative Insurance Company. Better health. Better outcomes for all. As seen in: © 2025 Curative Insurance Company. Get in Touch curative.com/healthplan /CurativeInc @Curative /CurativeInc @CurativeInc 14 AM BEST EXCELLENT^°ancial Strength Rat"^2024ILinkedEJ TOP STARTUPS FaSTSMPANY Alm I BENEFITS PRO LUMINARIES AWARDS 2024 Total Eligible Employees:119 Participating Subscribers:103 Employer Contributions - Employee:0%Employer Contributions - Dependent:0% Waiting Period: Eligibility Definition: Date: July 11, 2025 SIC Code: 9111 Active Employees working 30 hrs Effective Date: October 01, 2025 Note: The Quoted rates are subject to final Underwriting approval and, as noted below, are subject to change in the event of changes in benefits selected or changes in the risk factors upon which the Quoted Rates are based. In addition, state law may require regulatory approval of rates. If required regulatory approval has not been obtained on the proposed effective date, the healthplan shall use rates that are consistent with its then currently approved rating methodology and the quoted rates shall be effective immediately on the date for which they are approved for use. The Quoted Rates are guaranteed while the Group Service Agreement remains in effect until the next anniversary date, unless enrollment changes by 10% in which case Cigna HealthCare may change the Quoted Rate. for Cigna HealthCare Financial Proposal City of South Miami 6130 Sunset Dr Miami, FL 33143-5093 18 Cigna Cigna Healthcare Financial Exhibit for: City of South Miami Effective Date: October 01, 2025 Q2P1 Cigna PLAN OFFERED Open Access Plus - NATIONAL OAP OAP GC Packaged Plans Plan Offering Single Option Plan Name S.FL OAP Plan 5 (37728763) Medical Management Model Included Health Advocacy Excluded Situs FL Funding Fully Insured Cigna MEDICAL BENEFITS* Collective Deductible NO Collective OOP NO Deductible/OOP Max Accumulator No Cross Accumulation Variable Coinsurance Applies NO Plan Deductible Order of Applicability Benefit Copay, Plan Deductible, Coinsurance In-Network: Office Copay - PCP $35 Office Copay - SPC $75 Inpatient Deductible - Per Admit NA Inpatient Deductible - Per Day NA Outpatient Facility Copay None Emergency Room Copay $300 Urgent Care Copay $75 Deductible - Individual $3,000 Deductible - Family $6,000 Out-of-Pocket - Individual $6,500 Out-of-Pocket - Family $16,000 Out-of-Pocket - Family - Individual Amount $6,500 Out-of-Pocket Max Deductibles Ded Accumulates Out-of-Pocket Max Copays All Copays Accumulate Coinsurance 100% Cigna Pathwell Specialty Drug Coinsurance 100% Other Medical Pharmaceutical Drug Coinsurance 100% Out of Network: Deductible - Individual $6,000 Deductible - Family $18,000 Out-of-Pocket - Individual $13,000 Out-of-Pocket - Family $48,000 Out-of-Pocket - Family - Individual Amount $13,000 Out-of-Pocket Max Deductibles Ded Accumulates Out-of-Pocket Max Copays All Copays Accumulate Coinsurance 50% Cigna Pathwell Specialty Drug Coinsurance 50% Other Medical Pharmaceutical Drug Coinsurance 50% Maximum Reimbursable Charge Option 2 Inpatient Deductible - Per Admit NA Inpatient Deductible - Per Day NA Outpatient Facility Deductible None MRC Fee Schedule Percentage (Professional) 110% MRC Fee Schedule Percentage (Facility/Ancillary) 110% Mental Health/Substance Use Disorder (Yes/No)Yes Vision Rider (Yes/No)No *High level benefit summary. Please see your plan summary for a more detailed benefit description. If this proposal includes Cigna Care Network, the level of in-network benefits applicable may vary from what is shown above. Acct#:0651185/OP-5564121/Q2/3547289 Page 2 of 10 8/5/2025 4:45 PM 19 Cigna. Cigna Healthcare Financial Exhibit for: City of South Miami Effective Date: October 01, 2025 Q2P1 Cigna PLAN OFFERED Open Access Plus - NATIONAL OAP OAP GC Packaged Plans Plan Offering Single Option Plan Name S.FL OAP Plan 5 (37728763) Medical Management Model Included Health Advocacy Excluded Situs FL Funding Fully Insured Pharmacy Benefits Pharmacy Network Cigna 90 Now CVS Formulary/Prescription Drug List Advantage Retail Generic Copay $10 Retail Pref Brand Copay $45 Retail Non Pref Brand Copay $75 Retail Specialty Customer Coinsurance 20% Retail Generic Copay (90 Days)$30 Retail Pref Brand Copay (90 Days)$135 Retail Non Pref Brand Copay (90 Days)$225 Home Delivery Generic Copay $30 Home Delivery Pref Brand Copay $135 Home Delivery Non Pref Brand Copay $225 Home Delivery Specialty Customer Coinsurance 20% Pharmacy Deductible - Individual None ($0) Pharmacy OOP Maximum - Individual Combined With Medical Out-of-Pocket Adjuster Program Excluded *High level benefit summary. Please see your plan summary for a more detailed benefit description. If this proposal includes Cigna Care Network, the level of in-network benefits applicable may vary from what is shown above. Page 3 of 10 8/5/2025 4:45 PM 20 Cigna Healthcare Financial Exhibit for: City of South Miami Effective Date: October 01, 2025 Rate Display for: S.FL OAP Open Access Plus - NATIONAL OAP S.FL OAP PLAN 1 S.FL OAP PLAN 2 S.FL OAP PLAN 3 S.FL OAP PLAN 4 S.FL OAP PLAN 5 S.FL OAP PLAN 6 S.FL OAP PLAN 7 S.FL OAP PLAN 8 S.FL OAP PLAN 9 S.FL OAP PLAN 10 S.FL OAP PLAN 11 S.FL OAP PLAN 12 Sub Count Employee $996.22 $945.54 $855.53 $846.97 $844.48 $820.97 $826.08 $807.41 $798.71 $772.74 $763.82 $748.85 90 Emp + Spouse $2,092.07 $1,985.64 $1,796.62 $1,778.64 $1,773.41 $1,724.03 $1,734.76 $1,695.56 $1,677.29 $1,622.76 $1,604.02 $1,572.58 0 Emp + Child(ren)$1,892.82 $1,796.52 $1,625.51 $1,609.24 $1,604.51 $1,559.84 $1,569.54 $1,534.07 $1,517.55 $1,468.20 $1,451.25 $1,422.81 9 Emp + Family $2,988.67 $2,836.62 $2,566.59 $2,540.91 $2,533.44 $2,462.90 $2,478.23 $2,422.23 $2,396.13 $2,318.22 $2,291.46 $2,246.54 4 Total Monthly Cost Amount $118,650.24 $112,613.75 $101,893.65 $100,874.25 $100,577.55 $97,777.20 $98,385.79 $96,162.33 $95,126.34 $92,033.30 $90,970.80 $89,187.56 103 Total Annual Cost Amount $1,423,802.91 $1,351,364.96 $1,222,723.78 $1,210,491.05 $1,206,930.60 $1,173,326.44 $1,180,629.43 $1,153,947.94 $1,141,516.11 $1,104,399.56 $1,091,649.60 $1,070,250.73 In Network Office Copay - PCP $15 $25 $25 $25 $35 $30 $25 $30 $35 $35 $45 $40 Office Copay - SPC $30 $75 $75 $90 $75 $60 $50 $60 $75 $75 $90 $75 Inpatient Copay - Per Admit NA NA NA NA NA NA NA NA NA NA NA NA Inpatient Copay - Per Day NA NA NA NA NA NA NA NA NA NA NA NA Outpatient Facility Copay None None None None None None None None None None None None Emergency Room Copay $500 $300 $300 $500 $300 None $500 $300 $300 $300 $300 None Urgent Care Copay $50 $50 $75 $75 $75 $50 $50 $100 $75 $100 $100 $100 Lab Services - Office Visit Same as OV Same as OV Same as OV Same as OV Same as OV Same as OV Same as OV Same as OV Same as OV Same as OV Same as OV Same as OV Lab Services - Outpatient Facility 100%100%80%80%100%90%100%70%100%100%70%100% Collective Deductible NO NO NO NO NO NO NO NO NO NO NO NO Collective OOP NO NO NO NO NO NO NO NO NO NO NO NO Deductible - Individual $500 $1,000 $2,000 $3,000 $3,000 $3,500 $4,000 $5,000 $5,000 $6,750 $7,500 $9,200 Deductible - Family $2,000 $2,000 $4,000 $5,000 $6,000 $10,000 $8,000 $10,000 $10,000 $13,500 $15,000 $18,400 Coinsurance 100%100%Variable 80%100%90%100%Variable 100%100%Variable 100% Inpatient Hospital Facility NA NA 80%NA NA NA NA 70%NA NA 70%NA Outpatient Hospital Facility NA NA 80%NA NA NA NA 70%NA NA 70%NA Inpatient Professional Services NA NA 80%NA NA NA NA 70%NA NA 70%NA Outpatient Professional Services NA NA 80%NA NA NA NA 70%NA NA 70%NA Emergency Room NA NA 80%NA NA NA NA 70%NA NA 80%NA Urgent Care NA NA 100%NA NA NA NA 100%NA NA 100%NA Radiology Services at an Outpatient Facility NA NA 80%NA NA NA NA 70%NA NA 70%NA Out-of-Pocket - Individual $2,500 $3,500 $6,000 $6,000 $6,500 $8,000 $8,000 $7,350 $7,500 $8,150 $9,100 $9,200 Out-of-Pocket - Family $14,000 $7,000 $14,000 $12,000 $16,000 $18,400 $15,000 $14,700 $18,400 $18,400 $18,200 $18,400 Out-of-Pocket - Family - Individual Amount $2,500 $3,500 $6,000 $6,000 $6,500 $8,000 $8,000 $7,350 $7,500 $8,150 $9,100 $9,200 Pharmacy Network Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Cigna 90 Now CVS Prescription Drug List Advantage Advantage Advantage Advantage Advantage Advantage Advantage Advantage Advantage Advantage Advantage Advantage Pharmacy - Retail $5/$40/$100/20%$10/$35/$75/20%$10/$50/$80/20%$10/$40/$100/20 % $10/$45/$75/20%$10/$40/$100/20 % $10/$40/$100/20 % $10/$35/$75/20%$10/$50/$80/20%$10/$50/$80/20%$10/$50/$100/20 % $15/$40/$70/20% Pharmacy - Retail (90 Days)$15/$120/$300/N A $30/$105/$225/N A $30/$150/$240/N A $30/$120/$300/N A $30/$135/$225/N A $30/$120/$300/N A $30/$120/$300/N A $30/$105/$225/N A $30/$150/$240/N A $30/$150/$240/N A $30/$150/$300/N A $45/$120/$210/N A Pharmacy - Home Delivery $15/$120/$300/20 % $30/$105/$225/20 % $30/$150/$240/20 % $30/$120/$300/20 % $30/$135/$225/20 % $30/$120/$300/20 % $30/$120/$300/20 % $30/$105/$225/20 % $30/$150/$240/20 % $30/$150/$240/20 % $30/$150/$300/20 % $45/$120/$210/20 % Pharmacy - Deductible None ($0)None ($0)None ($0)None ($0)None ($0)None ($0)None ($0)None ($0)None ($0)None ($0)None ($0)None ($0) Pharmacy - Out-of-Pocket Max Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Combined With Medical Out of Network Deductible - Individual $1,500 $2,000 $4,000 $6,000 $6,000 $7,000 $8,000 $10,000 $10,000 $10,000 $10,000 $10,000 Deductible - Family $6,000 $4,000 $12,000 $10,000 $18,000 $20,000 $16,000 $20,000 $20,000 $20,000 $20,000 $20,000 Coinsurance 50%50%Variable 50%50%50%50%Variable 50%50%Variable 50% Out-of-Pocket - Individual $5,000 $7,000 $12,000 $6,000 $13,000 $16,000 $16,000 $14,700 $15,000 $16,300 $18,200 $18,900 Out-of-Pocket - Family $24,000 $14,000 $42,000 $24,000 $48,000 $40,000 $30,000 $29,400 $75,000 $85,500 $90,000 $37,800 Out-of-Pocket - Family - Individual Amount $5,000 $7,000 $12,000 $6,000 $13,000 $16,000 $16,000 $14,700 $15,000 $16,300 $18,200 $18,900 Please refer to detailed proposal for complete plan description and Underwriting requirements. If Variable Coinsurance Applies please refer to your plan summary for specific benefit coinsurance levels. Rates are subject to final underwriting terms and conditions. When NA is displayed as a Benefit Coinsurance value, the Benefit Coinsurance value is equal to the Plan Coinsurance value. Please see your Plan Summary for benefit specific Coinsurance values. Acct#:0651185/OP-5564121/Q2/3547289 Page 4 of 10 8/5/2025 4:45 PM 21 ————————————- Cigna. Cigna Healthcare Financial Exhibit for: City of South Miami Effective Date: October 01, 2025 Q2P1 Cigna PLAN OFFERED Medical Choice Plan Offering Plan Name Medical Management Model Situs Funding Cigna RATES #EE Rates Employee 90 $844.48 Emp + Spouse 0 $1,773.41 Emp + Child(ren)9 $1,604.51 Emp + Family 4 $2,533.44 Monthly Billed Amount 103 $100,578 Monthly Billed Amount Per Product Annual Billed Amount Per Product TOTAL EE's TOTAL Monthly Billed Amount TOTAL Annual Billed Amount Included in the proposed Monthly Billed Amount is the Benefit Advisor Fee which is not part of the monthly premium. Open Access Plus - NATIONAL OAP OAP GC Packaged Plans Single Option S.FL OAP Plan 5 Included FL $1,206,931 103 $100,578 $1,206,931 Fully Insured OAP $100,578 Acct#:0651185/OP-5564121/Q2/3547289 Page 5 of 10 8/5/2025 4:45 PM22 Cigna Cigna Healthcare Financial Exhibit for: City of South Miami Effective Date: October 01, 2025 PROPOSAL TERMS AND CONDITIONS for Proposal: Q2P1 A.General Terms of this Proposal Cigna HealthCare is pleased to present this Proposal for a Fully Insured Non-Participating group medical and pharmacy benefit plan (the "Plan") sponsored by City of South Miami. This proposal is valid for 60 days from its original date of release,07/11/2025. Any revisions or updates to this proposal will not renew this valid timeframe unless expressly communicated by Cigna HealthCare. Proposal Caveats Cigna HealthCare may revise or withdraw this Proposal if: 1 there is a change to the effective date and/or duration of the period covered by the quote. 2 the policy period length is different than 12 months. 3 the policy will not be sitused in FL. 4 there is a change in any law, regulation, or required assessment or tax that changes Cigna HealthCare's costs in offering 5 enrollment increases or decreases by 10% or more, by product or for the total account, from the enrollment assumptions used in establishing the rates, fees, funds and/or fee credits set forth herein. 6 the final enrollment deviates from the quoted enrollment such that it results in a needed change in premium rates. Rates are based on final enrollment factors, including total number of enrollees, their age, sex, demographics, location and the 7 enrollment in the Cigna HealthCare administered plan is less than 50% of the total eligible population identified as 119. 8 requires you to notify us within 30 days if any of the information upon which these rates or benefits were based (including Medical History Information) changes or is inaccurate. 9 it is not the exclusive provider of Medical / Pharmacy or like products for all of City of South Miami's employees in all 10 the employer contributes less than 50% toward the total cost of the coverage elected by each enrolled employee. 11 the current waiting period is different than . 12 By way of illustration, such legislation or executive actions which impose controls or requirements that affect: our ability to determine rates; covered medical expenses or service benefits; providers' delivery of care or the fees they charge; or our contracts with providers, may be deemed to so affect our contractual obligations. Should this happen, Cigna HealthCare will make a good faith effort to work to reach a new agreement that equitably reflects the circumstances as altered by government action.13 there is any reimbursement arrangement ("gap" cards, etc.) that subsidizes or reduces the out-of-pocket obligation of 14 benefit advisor fees/commissions are requested to be different than 0.00%. 15 Client confirmation of employee counts reveal the group to be a Small Employer,as defined under the Patient Protection and Affordable Care Act,and accordingly Cigna HealthCare is not able to offer a PPACA compliant plan. 16 This proposal made by Cigna HealthCare is contingent upon: o Cigna HealthCare's receipt of the following information: -Completed medical history questionnaire 30 days prior to the o Cigna reserves the right to revise or withdraw this proposal if the required medical questionnaire is not received 30 B. Scope and Application of this Proposal Unless otherwise indicated, the coverage reflected in this Proposal: 1 assumes that any insurance policy, certificate/booklet, or summary plan description material will be made available to the 2 supersedes and renders null and void any prior Cigna HealthCare offer or proposal with respect to the Plan. 3 or policy may be canceled as of any Premium Due Date if the number of insured Employees fails to meet the minimum required per group participation rules; or for failure to comply with any other material plan provision relating to Employer 4 includes Cigna’s One Guide digital and customer guidance solution. 5 does not apply to part-time or seasonal employees for any plan. 6 Medicare eligible retirees are not included in this plan unless mandated by situs state legislation. Acct#:0651185/OP-5564121/Q2/3547289 Page 6 of 10 8/5/2025 4:45 PM 23 $ Cigna. Cigna Healthcare Financial Exhibit for: City of South Miami Effective Date: October 01, 2025 7 includes Cigna's Network Savings Program (NSP) and other Bill Negotiation Services (BNS) programs designed to contain costs with respect to charges for out-of-network health care services/supplies that are covered by the Plan and reduce the member’s balance billing exposure. For administering these programs, Cigna retains a portion of the savings generated.8 excludes charges for converting a qualified customer of a group plan to an individual plan. 9 includes a maximum reimbursable charge (MRC) for out-of-network coverage equal to 110% of a fee schedule developed by Cigna HealthCare based upon a methodology similar to that used by Medicare to determine the allowable fee for similar services in the geographic market OR, where that fee schedule does not provide a value, Cigna may determine the MRC based on a rate for the same or similar service or supply by applying a Medicare-based methodology that Cigna deems appropriate.10 assumes all employees are located in the network area, and that all employees are only eligible for the Cigna HealthCare or any other affiliated company product offerings specified. 11 may require regulatory approval of rates. If, as of their proposed effective date, regulatory approval is not obtained, the healthplan shall use rates consistent with its then currently approved rates and the foregoing rates shall be effective automatically. If a product is new and has never had approved rates, the effective date of coverage will be postponed until regulatory approval is received.12 allows caveats and conditions set forth in this document to survive execution of any final contract and/or issuance by Cigna HealthCare of any policy and/or Group Service Agreement. 13 assumes that Cigna HealthCare's standard insurance policy form approved for use in the applicable state by the state insurance regulator will be issued. Because the insurance policy and certificate terms require regulatory approval, there is very little flexibility to change the provisions. The provisions of the insurance policy and certificate will control in the event of a conflict with the terms of the request for proposal and the Proposal. 14 is a high-level summary of the proposed coverage. It does not identify all the categories of health care expenses that are 15 may include state required continuation rates which will match the rates for the underlying plan. For Nebraska and New York Over Age Dependents the rates will match the employee rate for the underlying plan. 16 assumes that administrative fee (excluding Incentive Programs) will be paid from the Plan Bank Account. 17 assumes that Incentive Program debit/gift card rewards will be funded by the client and will be direct billed or withdrawn 18 includes charges made by either a specialty vendor or an affiliate, such as eviCore for care management programs to contain the cost of specific health services/items and/or improve adherence to evidence-based guidelines to promote patient safety and efficient care (i.e., charges for management of diagnostic cardiology, radiation therapy, musculoskeletal procedures, medical oncology, gastroenterology, sleep management and home health/DME/HIT and appropriate setting of care/service) when applicable, and medical necessity review (i.e chiropractic services).19 includes Cigna Pathwell Specialty, a network solution for medical specialty drugs. 20 Includes Cigna Pathwell Bone & Joint℠, a clinical navigation, benefit, and network solution for musculoskeletal care. 21 includes fixed charges for Embarc Benefit Protection℠, a network solution for certain high-cost gene therapy drugs 22 Cigna HealthCare assumes that the group health plan or health insurance coverage to which this proposal applies will not be a "grandfathered health plan" under the Patient Protection and Affordable Care Act (the "Act") and that it will be subject to all requirements of the Act applicable to a group health plan or health insurance coverage unless otherwise specified in writing.23 includes applicable Patient Protection and Affordable Care Act fees and assessments imposed upon health insurers including the Comparative Effectiveness Research Fee. 24 an application for coverage form will be provided only following underwriting approval. 25 Important Notice Regarding Benefit Advisor Compensation - The premium for this guaranteed cost (i.e., non-Shared Returns) policy may not include compensation payable to your benefit advisor. Check with your Cigna Sales representative to confirm whether this is the case. When that is the case, the proposed billed amount includes both premium and benefit advisor fees, which are not part of the monthly premium and Cigna will include any benefit advisor fees agreed to by the client and benefit advisor on client invoices and forward payments received to the benefit advisor if both the client and the benefit advisor authorize Cigna to do so by signing Cigna’s Client and Benefit Advisor Acknowledgement Form. When required, this form must be signed before the date when the new rates take effect. If the 26 assumes that any non-voluntary vision benefit that is included in the medical plan and not provided through a separate 27 For the product(s) Open Access Plus, Cigna earns financial Rebates through drug manufacturer arrangements on certain drugs that are included on Cigna’s prescription drug list (a/k/a Formulary). For some of the drugs for which Cigna may earn financial Rebates, Cigna uses some portion of the financial Rebate value to adjust the Prescription Drug Charges payable by Cigna and/or Members for those drugs.28 does not apply to individuals unless employed by the policyholder or an entity that participates in an association or trust o ADDITIONAL GENERAL TERMS OF THIS PROPOSAL: Acct#:0651185/OP-5564121/Q2/3547289 Page 7 of 10 8/5/2025 4:45 PM 24 $ Cigna. Cigna Healthcare Financial Exhibit for: City of South Miami Effective Date: October 01, 2025 29 The information contained in this Proposal by Cigna HealthCare is proprietary and highly confidential. It is being provided with the understanding that it will not be used by the employer, its representatives or consultants for any purpose other than the evaluation of the Proposal. Under no circumstances is any of the information contained herein (including excerpts, summaries, extracts, and evaluations thereof) to be used, disseminated, disclosed or otherwise communicated to any person or entity other than the employer, its representatives and consultants, and their respective employees who are directly involved in the evaluation process.30 For Cigna Diabetes Prevention Program in Collaboration with Omada, if elected fees charged by the network provider via the claim account are as follows: $235 Enrollment fee charged via claim when the member enrolls in the program. C. Additional Representations & Disclosures 1 Each plan presented in this proposal has an actuarial value, determined by Cigna HealthCare, of 60% or greater. This determination was made using Cigna HealthCare's manual rating application which may produce an actuarial value slightly different than the official HHS calculator. Although we would expect any deviation to be small, you will have to consult with your actuarial consultant for a more precise determination of the plan's actuarial value. Cigna HealthCare does not provide actuarial certifications.2 In order to implement the requested benefit design, different funding arrangements (i.e., insured, self-insured and/or HMO) involving affiliated Cigna companies may be required with respect to plan participants residing in certain states. 3 Cigna HealthCare may have an agreement with your benefit advisor, under which the benefit advisor may be paid for providing marketplace intelligence or for the performance of administrative services. The qualification for and amount of this payment may be based upon overall business growth and/or retention levels. Any such payment is funded through Cigna HealthCare’s general overhead.4 The benefit advisor may qualify for incentive payment (monetary or non-monetary) from Cigna HealthCare. For example, the benefit advisor may receive payment based upon new sales, new customer growth or retention. This incentive 5 Cigna HealthCare sponsors programs to inform benefit advisors about Cigna HealthCare’s plan coverage and services (including producer advisory councils). The cost of these events is funded through Cigna HealthCare’s general overhead. 6 Cigna HealthCare reserves the right to change the Quoted Rates and/or Quoted Benefits or to decline to offer coverage if any of the foregoing information is inaccurate or changes prior to the proposed Effective Date indicated above, or if the quoted rates and/or fees are not agreed to within 60 days of receipt of this summary information form. If any of the information identified above changes either prior to the proposed Effective Date or while coverage is in effect, you agree to notify us promptly of such change.7 The Underwriting Contingencies set forth above shall survive execution of any insurance policy, application, etc., issued by Cigna HealthCare or any affiliated company, and shall further survive the effective date of any such policies. 8 The benefits displayed in this summary are, for the most part, modular benefit packages used to develop the rates. Please review the Benefit Summary and its attachments for information about the benefits available in your sites. 9 "Cigna HealthCare" refers to various operating subsidiaries of Cigna Corporation. Products and services are provided by these subsidiaries and not by Cigna Corporation. These subsidiaries include Cigna Health and Life Insurance Company, and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. Acct#:0651185/OP-5564121/Q2/3547289 Page 8 of 10 8/5/2025 4:45 PM 25 $ Cigna. Gap Fund Acknowledgement If so, please let us know the details below. If not, please still confirm and sign below. Do you offer any of these plans? - Health Savings Account (HSA) - How much is the employer funding amount? _______________________________ - Is there an annual rollover provision for the fund? - Any changes in employer funding in the past year or future year? - If YES, please provide details: _______________________________ Date: ___________________________ By: _____________________________ Title: ____________________________ ` - What is the reimbursement order? Does the HSA and/or HRA fund pay first, or something else? _______________________________ Please notify Cigna HealthCare prior to implementing any "Gap Funding" program. Cigna HealthCare will determine if we need to change the premium rates/charges both now and in the future based on the information you provide. Please affirm that the above information is true and complete. Thanks! City of South Miami Are your employees reimbursed for their co-payments, co-insurance cost, deductibles or out of pocket expenses? We assume NO subsidization or reimbursement for any portion of the employees’ cost-sharing responsibilities. And that’s how we set the premium rates/charges for all benefit plans insured and/or administered for you by Cigna HealthCare companies ("Cigna HealthCare, we, us"). Subsidization/reimbursement is also known as "Gap Funding". That is because employees receive money to fund the gap between their cost-share responsibility and Cigna HealthCare's payments. - Health Reimbursement Account (HRA) - Other means to reimburse employees for health plan expenses If YES, please confirm the following: YES NOYESNO YES NO YES NO 26 ftCigna Client Signature Date Client Name Title "Cigna HealthCare"refers to various operating subsidiaries of Cigna Corporation.Products and services are provided by these subsidiaries and not by Cigna Corporation.These subsidiaries include Cigna Health and Life Insurance Company,and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. I UNDERSTAND AND AGREE ON BEHALF OF CONTRACTHOLDER THAT CIGNA HEALTHCARE MAY, NOTWITHSTANDING THE TERMS OF THE INSURANCE POLICY OR SERVICE AGREEMENT, REVISE ANY PREMIUM RATES OR PREPAYMENTS FEES AT ANY TIME IF THE ENROLLMENT OR EMPLOYER CONTRIBUTION LEVEL IS DIFFERENT THAN ASSUMED BY CIGNA HEALTHCARE IN UNDERWRITING THE CONTRACT OR IF CIGNA HEALTHCARE IS (i) REQUIRED TO PAY ANY ASSESSMENT, OR (ii) INCUR ADDITIONAL COSTS IN ADMINISTERING THE CONTRACT AS A RESULT OF THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND THE REGULATIONS PROMULGATED THEREUNDER. Underwriting Contingencies For City of South Miami Cigna HealthCare reserves the right to change the Quoted Rates and/or Quoted Benefits or to decline to offer coverage if any of the foregoing information is inaccurate or changes prior to the proposed Effective Date indicated above,or if the quoted rates and/or fees are not agreed to within 60 days of receipt of this summary information form.If any of the information identified above changes either prior to the proposed Effective Date or while coverage is in effect, you agree to notify us promptly of such change. The "Underwriting Contingencies" set forth above shall survive execution of any insurance policy, application, etc., issued by Cigna HealthCare or any affiliated company, and shall further survive the effective date of any such policies. The benefits displayed in this summary are, for the most part, modular benefit packages used to develop the rates. Please review the Benefit Summary and its attachments for information about the benefits available in your sites. 27 A Cigna 1128 City of South Miami Markel Review U4 October 1,2055 Renewal Date Carrier A.M.Best Rating Coverage Requested Status (J SI Preferred Notes Curative A-Medical Incumbent N/A See current benefits and rates illustrated -lorida Blue A-r Medical Declined N/A Declined to quote due to uncompetitive rates Aetna A Medical Declined N/A Decfined to quote due to uncompetitive rates Cigna A Medical Presented N/A See benefitsand rates illustrated IfnitedHealthcare A-r Medicat Declined N/A Declined to quote due to uncompetitive rates AvMed Not Rated Medical Declined N/A Declined to quote due to uncompetitive rates Any carrier with an AM Best financial rating lower than A-does not meet the minimum financial requirements Far USI's Errors &Omissions insurance.In the absence oFa rating byA.M.Best,or in the case of an NR designation,a Sia ndard 5 Poor Campa ny rati ng lower than A will apply.A liability waiver must be signed by the client if insurance cover age i s placed with a ca rrier that does not meet the req uired fi nanciat tab ng. CONFIDENTIAL I 0 2025 LISI Insurance Series.All rights reserved. 1229 Benefit Outline Current Renewal Option 1 Carrier Curative Curative Cigna Plan Type,Name,Network PPO PPO OAP Pooling Point N/A N/A TBDUSIDeductible(individual /Family)$5,000 /$10,000 $5,000 /$10,000 $3,000 /$6,000 Non-Network Deductible (Individual /Family)$10,000 /$20,000 $10,000 /$20,000 $6,000 /$18,000•Out-of-Pocket Maximum (individual /Family)$7,500 /$15,000 $7,500 /$15,000 $6,500 /$16,000 Non-Network OOP Max (Individual /Family)$15,000 /$30,000 $15,000 /$30,000 $13,000 /$48,000 Primary Care Office Visit $25 copay (ad)$25 copay (ad)$35 copay Deductible /OOP Embedded /Non-Embedded Embedded Embedded Embedded Prescription Deductible (individual /Family)N/A N/A N/A Prescription OOP Max (Individual /Family)Included w/Medical Included w/Medical Included w/Medical Coinsurance (In /Out)80%/50%80%/50%100%/50% Wellness /Preventive Care 100%(dw)100%(dw)100%(dw) City Of South Miami Specialist Office Visit $50 copay (ad)$50 copay (ad)$75 copay Medical Plan Walk-In /Urgent Care Visit 80%(ad)80%(ad)$75 copay Benefit Outline and Cost Summary Emergency Room 80%(ad)80%(ad)$300 copay October 1,2025 Renewal Date Outpatient Lab /X-Ray 80%(ad)80%(ad)100%(ad) Complex Imaging (mri,CAT,pet,et al.)80%(ad)80%(ad)100%(ad) Outpatient Surgical Facility 80%(ad)80%(ad)100%(ad) Inpatient Hospital Facility 80%(ad)80%(ad)100%(ad) Retail Prescription Drug Copays Preferred:$50 (ad)Preferred:$50 (ad)$10 /$45 /$75 Non-Preferred:$100 (ad)Non-Preferred:$100 (ad) Mall Order Prescription Drug Copays Same as Retail Same as Retail 3x Retail Specialty Prescription Drugs 25%(ad)25%(ad)20%(dw) Rates &Total Cost Employee 88 $693.45 $762.79 $844.48 Employee +Spouse 0 $1,456.24 $1,601.86 $1,773.41 Employee +Child)ren)8 $1,275.95 $1,403.54 $1,604.51 Employee +Family 5 $2,163.57 $2,379.92 $2,533.44 Total Employees 101 Annual Premium Total (w/out hsa/hra)$984,589 $1,083,041 $1,197,810 Change from Current $98,453 $213,222 Percentage Change 10.0%21.7% CONFIDENTIAL I ©2025 UiI Insurance Services.All rjgMs reserved, Blue Options PPO PRM PLAN 03748 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $1,280.00 $1,306.00 $949.00 Employee & Spouse 2.15 $2,686.00 $2,740.00 $1,997.00 Employee & Child 2.00 $2,354.00 $2,401.00 N/A Employee & Family 3.00 $3,992.00 $4,072.00 N/A HMO PRM PLAN 55 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $1,224.00 $1,248.00 $908.00 Employee & Spouse 2.15 $2,572.00 $2,623.00 $1,909.00 Employee & Child 2.00 $2,254.00 $2,299.00 N/A Employee & Family 3.00 $3,822.00 $3,898.00 N/A Blue Options PPO PRM PLAN 03769 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $1,160.00 $1,183.00 $860.00 Employee & Spouse 2.15 $2,436.00 $2,485.00 $1,810.00 Employee & Child 2.00 $2,134.00 $2,177.00 N/A Employee & Family 3.00 $3,620.00 $3,692.00 N/A Blue Options PPO PRM PLAN 05168/05169 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $1,106.00 $1,128.00 $820.00 Employee & Spouse 2.15 $2,322.00 $2,368.00 $1,725.00 Employee & Child 2.00 $2,034.00 $2,075.00 N/A Employee & Family 3.00 $3,450.00 $3,519.00 N/A Blue Options PPO PRM PLAN 03559 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee $1,084.00 $1,106.00 $804.00 Employee & Spouse $2,278.00 $2,324.00 $1,691.00 Employee & Child $1,996.00 $2,036.00 N/A Employee & Family $3,384.00 $3,452.00 N/A Blue Options PPO PRM PLAN 05360 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $1,052.00 $1,073.00 $785.00 Employee & Spouse 2.15 $2,208.00 $2,252.00 $1,589.00 Employee & Child 2.00 $1,936.00 $1,975.00 N/A Employee & Family 3.00 $3,282.00 $3,348.00 N/A Public Risk Management of Florida City of South Miami Effective October 1, 2025 - September 30, 2026 30 Public Risk Management of Florida City of South Miami Effective October 1, 2025 - September 30, 2026 Blue Options PPO PRM PLAN 05180/05181 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $976.00 $996.00 $729.00 Employee & Spouse 2.15 $2,050.00 $2,091.00 $1,474.00 Employee & Child 2.00 $1,796.00 $1,832.00 N/A Employee & Family 3.00 $3,046.00 $3,107.00 N/A Blue Options PPO PRM PLAN 05904 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $932.00 $951.00 $696.00 Employee & Spouse 2.15 $1,958.00 $1,997.00 $1,408.00 Employee & Child 2.00 $1,716.00 $1,750.00 N/A Employee & Family 3.00 $2,910.00 $2,968.00 N/A Blue Options PPO PRM PLAN 05901 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $900.00 $918.00 $674.00 Employee & Spouse 2.15 $1,888.00 $1,926.00 $1,363.00 Employee & Child 2.00 $1,656.00 $1,689.00 N/A Employee & Family 3.00 $2,806.00 $2,862.00 N/A Blue Options PPO PRM PLAN 05787 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $846.00 $863.00 $633.00 Employee & Spouse 2.15 $1,776.00 $1,812.00 $1,282.00 Employee & Child 2.00 $1,556.00 $1,587.00 N/A Employee & Family 3.00 $2,638.00 $2,691.00 N/A Blue Options PPO PRM PLAN 05172/05173 Medical Medical COBRA Medical Retiree Rates w/ Medicare Employee 1.00 $802.00 $818.00 $600.00 Employee & Spouse 2.15 $1,684.00 $1,718.00 $1,215.00 Employee & Child 2.00 $1,476.00 $1,506.00 N/A Employee & Family 3.00 $2,502.00 $2,552.00 N/A 31