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supply to the City all explanations of benefits and proofs of expenses for any such follow up <br /> medical testing. <br /> ARTICLE 16 <br /> INSURANCE <br /> Section 1. (a). Indemnity Insurance Benefits. The City shall provide medical, major <br /> medical and hospital group insurance for each employee with benefits not less than those <br /> benefits in effect as of October 30, 1986, including a daily hospital room benefit sufficient to pay <br /> the minimum double room rate available in the city of Decatur for one person in such room. The <br /> City shall also provide group life insurance in the amount of$25,000 for each employee. <br /> (b) Exemption. The Union agrees that the current health insurance benefits offered by <br /> the City, as summarized in Exhibit E, are exempt from the foregoing requirements of Section <br /> 1(a) that the insurance offered has "benefits not less than those benefits in effect as of October <br /> 30, 1986," and such may be offered by the City to all employees without violation of this section. <br /> This exemption shall apply to any program with benefits as summarized in Exhibit E and <br /> currently in effect. Any change or modification thereto, or other medical, major medical or <br /> hospital group insurance plans or benefits the City might desire to offer shall be required to <br /> meet the requirements of Section 1(a), except as expressly provided in Section 3 hereof. <br /> Section 2. For employees who enroll in the indemnity plan the City shall pay 100% of <br /> the cost for the single employee premium for medical, major medical and hospital group <br /> insurance as provided in Section 1 hereof and the employee shall pay 10% of the dependent <br /> component of the premium for such insurance. <br /> Section 3. PPO Insurance. (a) Employees shall have the option to enroll in the City's <br /> preferred provider (PPO) insurance plan as summarized in Exhibit F. The benefits of such plan <br /> (and employees' access to hospitals and health care specialties) shall not be less than those in <br /> effect as of May 1, 2005. <br /> (b) If fewer than 50% of the bargaining unit members are enrolled in the PPO at any <br /> time during the term of this agreement, all wage exhibits attached hereto shall be amended to <br /> reflect a 1% decrease in wages from those specified in the respective exhibits. Any such <br /> amendment for wage exhibits as set out herein shall be effective only for such period(s) during <br /> which less than 50% of said bargaining unit members are enrolled in the PPO, and shall cease <br /> and be of no effect if enrollment in said PPO meets or exceeds 50% of inembership. <br /> (c ) Effective May 1, 2004, the City shall pay 100% of the premium costs for employees <br /> and their dependents who enroll in the PPO insurance plan as provided in Section 3(a). <br /> Effective January 1, 2005, the employee shall contribute $22.00 per month for dependent <br /> coverage, and the City shall contribute the remainder. Effective May 1, 2005 the employee shall <br /> contribute $23.00 per month for dependent coverage, and the City shall contribute the <br /> remainder. <br /> (d) Upon written authorization by an employee, the City shall deduct from the wages or <br /> salary of such employee each sum as is certified by the City as premium payment for enrollment <br /> in the City dental insurance plan. <br /> 20 <br />