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Special Council Meeting 8-27-01 Page 7 conditions. That is not a problem with this group. What is a problem is what those pre-existing conditions could mean with each carrier and how they are going to surcharge that group. They have to take the group; HIPPA said they have to take the group. That was 3-1/2 years ago. If you haven't had a 61-day gap in coverage in going from one group to another group, they have to take you. They can charge, within their filed rates within the State of Ohio--they can charge within those parameters. From table 1 to a Table 34 with United Health to 28 with Medical Mutual. They charge within those. COSE is a little different--they have 7 different tiers. With COSE you cannot design a plan to have x, y, z plans. They are steadfast and you can't change them. To really answer your question, no, it is not going to make any difference. You could have 10 agents come in and give them the date that has already been published and out to Phil's office and the packages and anybody can quote and design a program. They are only numbers until it comes down to filling out some type of questionnaire. I would love to do a situation as far as polling what the committee wants as far as structure and going forward with that. I would love to be involved with that and would share that with as many agents as you want and make it a competitive playing field. I have not been in a situation that I cannot bring anything to the table that what I am locked in to bringing. We have had either alternatives coming back off of Anthem to pare back that plan, they call it a downgrade--it is not really a downgrade, but changing the program a little bit and tweaking let's say the $5 to a$7 or $10 drug card or tweaking some internal deductible inside that plan. It's not been appropriate because we are locked into language--we have a bilateral contract that both people have to adhere to. You do have a problem going forward at the next renewal at 2002 with the cap on benefits--with the $1,065 or $1,085 and we are approaching that so now is the position to talk with the police and say we have to make an intelligent financial decision with respect to going forward. But changing the Agent of Record today isn't going to mean one thing or another. It's not going to change going forward; it is not going to change anything other than that. I can tell you adamantly that Pat Dearden in the Police, until that committee is set up and active--I don't mean to be threatening--that is what was told to me--I took the liberty to have a couple of ineetings with them--that is the position they have taken. All things being equal, I believe to this point, because of confidentiality I can't name names, but I think I have serviced the Village very well. Yes, it has been nice and I want to continue. I don't like being in a situation of something that I know I can help going forward. But, I've been in a corner and I know a lot of people haven't been on Council for all these years but the bottom line is that I work within my parameters--I couldn't go outside the boxes because of that contract. If the contract changes or they are willing to give and take someplace else in the structure, that is fine. Worst case scenario, you give that Agent of Record letter right at renewal, you couldn't move off of Anthem--all things being equal, I don't think he's earned the business. The other thing I am concerned about Anthem and the approach of a split funded plan with Anthem because they do not want to be put in an adverse situation. If you look at your Property and Casualty, you will be shocked with some of the things that will happen because of funds and the use of funds. All things being equal, I would like to retain, and it's not going to make any difference to Mr. Hopkins to shop this contract--to shop this policy anyplace else. I would like to finish my tenure and hopefully be in a position to give you some other numbers to that process. Mrs. Mills addressed Mr. Diemert and asked what do you think about the committee--what do you think our steps should be as far as negotiating because you are so involved with the unions. That