pays 50% of his Blue Cross Blue Shield family health insurance premium for a preferred provider organization (PPO) plan. This plan has a zero deductible. The equivalent PPO plan offered by the GIC is provided by Barnstable Harvard Pilgrim and carries with it a $250/person, $750/family annual deductible. However, the premium is $150 less per month for the participant. In five months, the deductible is covered and the participant puts over $1,000 in his pocket from the premium savings over the next seven months. The town reaps savings as well—a win-win situation.
The House Ways and Means proposal differs from the governor’s proposal in that towns and cities are not forced to join the GIC. It is an option, but not a requirement, even if the municipal costs are higher than the GIC’s. The governor’s plan forces municipalities into the GIC if their costs are higher than the GIC’s most utilized plan. On