Explainer: How El Campo's proposed "difference card" would change employee costs
Staff told the council how the difference card would pair a higher-deductible Blue Cross base plan with a funded supplemental card that pays early claims, using example figures including first-dollar payments ($1,500 employee; $3,000 family) and a cited $216,000 potential savings in one design.
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City staff and the benefits agent walked the council through example plan designs and the mechanics of the proposed difference-card approach: move to higher-deductible Blue Cross base plans to reduce premiums, then use the savings to fund a secondary payment vehicle that covers early claims so employees do not immediately face large out-of-pocket bills.
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