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All major options, including self-insurance and a proposal from the Cabarrus <br />Managed Care Organization, were considered before recommending the <br />Prudential and Wellness Programs. <br /> <br />The Wellness HMO option has somewhat richer benefits and lower rates for <br />dependent coverage. With a majority of the providers based in Mecklenburg <br />County, this program may be particularly attractive to employees living <br />there or in western Cabarrus County. <br /> <br />The dual insurance offering will allow employees the choice of continuity of <br />health care (Prudential) or the option of a program with a different provider <br />network and enhanced benefits (Wellness). While both programs will have <br />significantly higher costs than what is now paid, they are reasonably priced <br />for the current market in health insurance. These renewal rates will increase <br />the cost of providing county paid employee health insurance by $214,000 <br />per year, for a total of $1,192,000. Funding has been included in the <br />FY 98~99 budget. <br /> <br /> <br />