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Section 27.5. In cases where more time off is desired than was granted, the employee shall request <br />in advance, the use of his accrued vacation, sick time, holidays, compensatory time and/or <br />sick/personal time as credits for such additional time. <br />ARTICLE 28 <br />INSURANCES <br />Section 28.1. All permanent full-time employees shall be eligible to participate in a group health <br />care plan established by the Employer, which shall include medical, dental, vision, and prescription <br />drug coverage. Such group plan may be provided through a self-insured plan or an outside <br />provider, or a combination thereof. In each year of the contract, the Employer shall offer a base <br />plan and may offer alternate plans. <br />Section 28.2. Health Care Plan <br />In 2020, the base plan being offered by the Employer is the Buckeye Ohio Risk Management <br />Association Benefits Pool, Inc. (BORMA) Aetna Choice POS II — Standard Plan 2. The 2020 base <br />plan includes an in -network out-of-pocket limit of $600 for single coverage and $1,200 for <br />employee plus dependent coverage (hereinafter the "2020 out-of-pocket limit"). The 2020 out-of- <br />pocket limit will be .fully -funded by the Employer with a Health Reimbursement Arrangement <br />(HRA). Employee Premium Contributions will be paid through payroll deduction in the following <br />amounts: <br />Coverage Employer Premium Employee Premium Total Premium <br />Level Contributions Contributions <br />Single $ 716.01 <br />Employee and Spouse $1,497.47 <br />Employee and Child(ren) $1,288.83 <br />Family $2,225.81 <br />$ 61.63 $ 777.64 <br />$135.58 $1,633.05 <br />$110.93 $1,399.76 <br />$184.88 $2,410.69 <br />In 2021 and 2022, as a participant member of BORMA, the Employer will no longer be permitted <br />to offer an HRA. To help offset the loss of the HRA, provided there is no change in the 2020 out- <br />of-pocket limit, any costs above the Total Premium amounts set forth above shall be paid ninety- <br />one percent (91 %) by the Employer and nine percent (9%) by the employee and the Employer will <br />reduce the Employee Premium Contribution by 50% on the adjusted total amount. <br />Section 28.3. Dental and Vision Plans <br />In 2020, all employees receiving dental and vision benefits will pay, through payroll deduction, a <br />premium contribution equal to nine percent (9%). In 2021 and 2022, provided there is no change <br />in the 2020 out-of-pocket limit, and to further offset the loss of the HRA, the employee contribution <br />toward dental and vision premiums will be reduced to zero percent (0%). <br />22 <br />