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Warwick School healthcare is through a collaborative. I believe costs have been level for the last year or 2. We use a community health collaborative and we "self-insure" our staff. By using a collaborative we get a deal because we are "connected" with a larger group and get better rates. If we have the same number and level of insurance claims this year as last, then our costs don't go up. If our costs don't go up our premiums don't go up therefore the 20% co-pay will still remain an actual 20%. If our costs go up, then our coverage will go down so the 20% will go down. We have used the same amount for the last few years so our costs have remained level. It is expected that our costs will stay the same. If we continue to negotiate with our collaborative and we continue to get a good deal an actual 20% will remain intact.

I will put more information up as I get clarification on the sick days and step information. Patrick