COLLECTIVE BARGAINING AGREEMENT Between NEW YORK UNIVERSITY And LOCAL 810 I.B.T
July 1, 2002-June 30, 2007

ARTICLE 19 - HEALTH AND HOSPITALIZATION INSURANCE

A. The Employer shall continue to provide its United Healthcare Basic Medical Expense Coverage (hospitalization and physician) and United Healthcare Major Medical coverage, or substantially equivalent coverage, on an individual basis and for families to full-time employees hired prior to July 1, 1997, upon completion of their probationary period (3 months of employment), at no cost to the employee for the duration of this Agreement.

B. The United Healthcare Comprehensive Medical Insurance, or substantially equivalent coverage, will contain the following provisions:

1. A deductible of two hundred dollars ($200) per person, per calendar year with a maximum of five hundred dollars ($500) per family, per calendar year.

2. After the deductible is met, the plan pays eighty (80%) percent of the remaining expenses and the employee pays twenty (20%) percent for all expenses which previously were reimbursed at one hundred (100%) percent. Except for this change and the increased deductible, all services shall continue to be reimbursed according to the schedule of allowances provided in the plan.

3. The out of pocket maximum, including the deductible, will be one thousand dollars ($1,000) per individual per calendar year, and two thousand dollars ($2,000) per family per calendar year for expenses covered by the plan. After the maximum is met, covered expenses are reimbursed at one hundred (100%) percent up to the lifetime maximum of $250,000 per person, except that the first 201 days in-patient room, board, general nursing care and routine services and supplies at hospitals are not counted towards the lifetime maximum.

4. a. Non-duplication coordination of benefits.
b. Hospital precertification.
c. Outpatient precertification.
d. Managed second opinion.
e. Individual case management.

C. Full-time permanent and temporary employees hired on or after July 1, 1997, who are eligible may enroll in Health Maintenance Organization (HMO) plans in which the Employer participates. Participation in these plans is at the option of the employee and is in lieu of participation in the Employer's other health and hospitalization insurance plans. The Employer will contribute up to the same dollar amount towards the cost of the type of coverage selected (individual, husband and wife, individual with child, and family) as it does for that type of coverage under the United Healthcare health and hospitalization insurance plan available to full-time permanent unit employees. The difference, if any, between the dollar amount contributed by the Employer and the cost of the type of coverage selected shall be paid by the employee. Employees hired before July 1, 1997, may switch to the United Healthcare plan during the open enrollment period in the fall of 1997. After 1997, employees may change to an HMO or a different HMO during the annual open enrollment period, but may not switch from an HMO to the United Healthcare Indemnity Plan.

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