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95-21709 Reso RESOLUTION NO. 95-21709 A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, EXTENDING THE MANAGED MEDICAL (PPO), HMO AND MEDICARE SUPPLEMENT (GOLD) PLANS, AND THE ADDITION OF A NEW MANAGED CARE MEDICAL PLAN (POINT OF SERVICE -"POS") WITH HUMANA HEALTH CARE PLANS FOR FISCAL YEAR 1995/96 AND AUTHORIZING THE MAYOR AND THE CITY CLERK TO EXECUTE A SERVICE AGREEMENT BETWEEN THE CITY OF MIAMI BEACH AND HUMANA HEALTH CARE PLANS. WHEREAS, Invitation to Bid No. 101-91/96 was awarded to Humana Health Care Plans for a one year period on July 22, 1992, with the option to renew for up to four additional one year periods; and WHEREAS, Humana's proposed cost decreases, along with PPO Plan and service enhancements, have been evaluated by the City Administration, the Group Insurance Board and the Health Advisory Committee and found to be reasonable; and WHEREAS, the City Administration and Group Insurance Board recommend the extension for a fourth one year period commencing October 1, 1995, with a 6.0% decrease for the Managed Care (PPO Plan 660); a 6.0% premium decrease for the HMO (Option 4); and a 6.0% decrease for the Medicare Supplement (Gold) Plans; and WHEREAS, the City Administration, the Group Insurance Board and the Health Advisory Board also recommend the addition of a new Managed Care Medical Plan - a Point of Service (POS) Plan to be offered to employees and retirees without affecting the 10/1/95 premium rates for the other medical plans, regardless of enrollment outcome; and WHEREAS, the proposed renewal rates for Fiscal Year 1996/97 will be due February 29th, 1996, allowing sufficient time to rebid the plans, if necessary; and WHEREAS, the City may rebid the health insurance plan if rate negotiations for Fiscal Year 1996/97 prove to be unsuccessful; and WHEREAS, the Group Insurance Board, at its June 12, 1995 meeting and the Health Advisory Committee at its July 10, 1995 meeting, voted to recommend acceptance of Humana's renewal offers for the Managed Care (PPO Plan 660), HMO (Option 4) and Medicare Supplement (Gold) Plans and the PPO Plan and service enhancements offered. NOW, THEREFORE, BE IT DULY RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, as follows: 1) The Mayor and the City Commission hereby extend the Managed Care Medical (PPO Plan 660), HMO (Option 4), and Medicare Supplement (Gold) Plans with Humana Health Care Plans for the Fiscal Year 1995/96. 2) The Mayor and the City Commission hereby approve the addition of a new Managed Care Medical (Point of Service - POS Plan) with Humana Health Care Plans. 3) The City also reserves the option to rebid the plan for Fiscal Year 1995/96 if rate negotiations prove to be unsuccessful. Proposed renewal rates will be due February 29, 1996. 3) The Mayor and City Clerk are hereby authorized to execute the attached Service Agreement between the City of Miami Beach and Humana Health Care Plans. ADOPTED this 13th day of Septemb , 1995. MAYOR ATTEST: G 1/12-/LCLERK FORM APPROVED LEGAL D PT. By Date 6 CITY OF MIAMI BEACH CITY HALL 1700 CONVENTION CENTER DRIVE MIAMI BEACH FLORIDA 33139 COMMISSION MEMORANDUM NO. ( 7(! !S TO: Mayor Seymour Gelber and Members of the City Commission DATE: September 13, 1995 FROM: Jose Garcia-Pedrosa hin City Manager SUBJECT: RESOLUTION APP VING THE EXTENSION OF MANAGED CARE MEDICAL (PPO), HMO AN MEDICARE SUPPLEMENT (GOLD) PLANS, AND THE ADDITION OF A NEW MANAGED CARE MEDICAL PLAN (POINT OF SERVICE - "POS") WITH HUMANA HEALTH CARE PLANS FOR FISCAL YEAR 1995/96 AND AUTHORIZING THE MAYOR AND THE CITY CLERK TO EXECUTE A SERVICE AGREEMENT BETWEEN THE CITY OF MIAMI BEACH AND HUMANA HEALTH CARE PLANS. ADMINISTRATION RECOMMENDATION The Administration recommends that the City Commission approve the resolution authorizing the extension fora fourth one year period of the existing Bid Award No. 101-91/96 with Humana Health Care Plans with rate reductions of six percent (-6%) less than the rates for Fiscal Year 1994/95. The Administration also recommends that the City Commission approve the resolution authorizing the addition of a new Managed Care Medical Plan with Point of Service ("POS") blend, enabling enrolled members to choose between benefits similar to HMO benefits and non-PPO benefits within one plan. Finally, the Administration recommends that the City Commission approve the resolution authorizing the Mayor and the City Clerk to execute a Service Agreement between the City of Miami Beach and Humana Health Care Plans. BACKGROUND Invitation to Bid No. 101-91/96 was awarded to Humana Health Care Plans for a one year period on July 22, 1992, with the option to renew for up to four additional one year periods. The contract has been extended for the Fiscal Years 1993/94 and 1994/95. The Commission was apprised at its March 1, 1995 meeting of on-going negotiation with Humana in lieu of soliciting bids for the City medical plans. On April 5, 1995, the Commission approved Commission Memorandum No. 286-95 (Revised) to accept Humana Health Care Plans' renewal proposal in lieu of soliciting bids, based on additional benefit enhancements and premium savings for the employees, retirees and City. AGENDA ITEM Q r' Gic DATE q _ I � , I � At the request of the Health Advisory Board, the City Administration requested Humana Health Care Plans propose a new Managed Care Medical Plan - a Point of Service (POS) Plan. This new plan can be offered to employees and retirees without affecting the 10/1/95 premium rates for the other medical plans, regardless of enrollment outcome. ANALYSIS Humana's proposed cost decreases along with PPO Plan and service enhancements have been evaluated by the City Administration, the Group Insurance Board and the Health Advisory Committee and found to be reasonable. The City Administration, the Group Insurance Board and the Health Advisory Board recommend the extension for a fourth one year period commencing October 1, 1995, based on the following: Premiums Reductions - A 6.0% decrease in premiums for the Managed Care (PPO Plan 660), a 6.0% premium decrease for the HMO (Option 4) and a 6.0% decrease for the Medicare Supplement (Gold) Plans. New Plan - The addition of a new Managed Care Medical Plan with Point of Service option between benefits similar to the HMO benefits and non-PPO benefits. PPO Plan Enhancements - The addition of an Optical Benefit and a Prescription Drug Card Benefit without additional premium charges. Service Enhancement - Establishment of toll-free 800 number to the Humana In-House Service Representative in City Hall to better assist those residing or visiting outside the South Florida area with benefit and claims inquiries. If rate negotiations for FY 1996/97 (the last year of the bid award) prove to be unsuccessful, the City may rebid the medical plans. The proposed renewal rates for Fiscal Year 1996/97 are due February 29th, 1996, to allow sufficient time to rebid the plans, if determined to be in the best interest of the City and the employees, retirees and dependents. This option allows the City to determine the best financial strategy as well as provide the best program for employees, retirees and dependents who rely upon the City for medical coverage. The Group Insurance Board at its June 12, 1995 meeting and the Health Advisory Committee at its July 10, 1995 meeting voted to recommend acceptance of Humana's renewal offers and enhancements. The Group Insurance Board is comprised of the presidents of the American Federation of State, County and Municipal Employees (AFSCME), and the Communication Workers of America (CWA) , a retiree representative and three Administration representatives as well as the Human Resources Director. The Health Advisory Committee is a 15 member City board comprised of individuals from the community who are involved with the health industry. A Service Agreement between the City of Miami Beach and Humana Health Care Plans has been developed to set forth performance standards for the Humana contracts. Representatives from Humana Health Care Plans and the City's Agent of Record are available for responding to questions and other information. BID AMOUNT $5,157,500. Cost in Fiscal Year 1994/95 for Managed Care (PPO), HMO and Medicare Supplement Plans with Humana Health Care Plans. ($462,400.) Estimated cost decrease in Fiscal Year 1995/96. $4,695,100. Estimated annual cost to be shared equally between City and Employee/Retiree contributions during Fiscal Year 1995/96. CONCLUSION The Administration recommends that the City Commission approve the attached resolution extending the contract, adding the Managed Medical Care Plan - Point of Service and executing a Service Agreement between the City of Miami Beach and Humana Health Care Plans. JGP:TCA:DMR/LS • SERVICE AGREEMENT BETWEEN CITY OF MIAMI BEACH AND HUMANA MEDICAL PLAN, INC. & HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. FOR MEDICAL BENEFITS COVERING CITY OF MIAMI BEACH EMPLOYEES, RETIREES AND DEPENDENTS This is an agreement, made and entered into this 1st day of October , 1995, by and between the City of Miami Beach, (hereinafter referred to as City) AND Humana Medical Plan, Inc . , and Humana Health Insurance Company of Florida, Inc . , their successors and assigns, (hereinafter referred to as Humana) . WITNESSETH, in consideration of the City renewing Humana for a one (1) year term and the mutual terms, conditions, promises, covenants and payments hereinafter set forth, the City and Humana agree as follows : I. PROVISIONS OF AGREEMENT 1 . Open Enrollment/Educational Sessions The City will schedule the annual Open Enrollment sessions at various locations and times, and will notify Humana Account Services at least two weeks prior to the first sessions. From one to three other times during the plan year, educational sessions will be conducted again at various locations and times, as agreed by the City and Humana. Humana will provide a representative to conduct benefit presentations at these sessions. 2 . Medical Benefits Plans Packets Humana will prepare and distribute by U.S. mail medical benefits packets at least two weeks in advance of the commencement of the City' s annual Open Enrollment . The City administration will assist in the development of an Open Enrollment announcement to be included in each packet, and review information to be included in the packets in advance of printing and distribution. Mailing labels will be provided by the City. Any packets returned for incorrect address will be given to the City administration to send to the employee or retiree . 3 . Provider Directories In addition to the various plans ' provider directories 1 distributed at Open Enrollment, Humana shall mail to each member a new directory or a list of changes to the previous directory not less than once each calendar quarter. Humana will also notify the City administration in writing of additions, changes or deletions which occur in the interim. Humana must honor all claims for deleted providers until the next directory or list of changes is mailed to the members . HMO Plan and POS Plan members are to be advised by Humana by mail of reassignments to new centers due to cancellation of center contracts . Notification is to be thirty (30) days prior to the reassignment date, or as expeditiously as possible if contract cancellation is effective in less than 30 days . Each calendar quarter, Humana shall provide a list of providers such as home health care, extended care facilities, durable medical equipment, hospice and other such providers contracted with Humana. Each calendar quarter, Humana shall identify the contracted providers for anesthesiology, pathology, radiology, and emergency physician group at each contracted PPO hospital in South Florida Service Area. Also, Humana shall provide assistance to plan members in identifying PPO contracted outpatient facilities billing as hospital facilities. 4 . Identification Cards For new enrollees and members with plan or coverage changes, including Open Enrollment, Humana will process the enrollment or change no later than three weeks upon receipt by the Humana Billing office in Louisville, Kentucky. The member is responsible for informing the City' s Employee Benefits Section of the Human Resources . If Humana fails to do so, Humana Account Services must contact providers to arrange for coverage of medical care required. The Account Services representative will be responsible for having the identification card(s) produced and sent to the member. 5 . PPO Plan Late Entrants Employees and/or dependent (s) requesting enrollment in the Humana PPO Plan after Open Enrollment has ended or after the 30 day eligibility period will complete the appropriate Enrollment or Change Form, including the Medical Statement . The completed form will be sent by 2 the City to the Humana Billing office for handling. If additional information is required from Humana, Humana will send a written request for any additional information postmarked within two weeks of the application' s receipt by the Humana underwriting department as logged in their computer data base . The applicant will have a minimum of six weeks from the date of Humana' s request to the date postmarked on the envelope returning the information to Humana. Humana Account Services is to keep the City administration advised of the status of late entrant applicants . 6 . Claims and Correspondence Responses Humana agrees to correspond directly with PPO, POS and HMO members regarding the status of any claims submitted which have not been resolved within 30 days of the date of receipt by Humana. The City administration shall notify Humana of post-30 day claims via claims transmittal forms and copies of claims, or the member may provide notice to Humana in writing with a copy of the claim in question attached. Humana shall respond in writing, or verbally with a follow-up in writing, to the member (or the City administration, if the member can not be contacted) . Information will include the status of the claims, reasons for any delays, and the name and telephone number for a Humana contact person to receive additional information. Responses shall be received by the member (or the City administration, if the member can not be contacted) within 14 calendar days (which includes return mail time) of Humana ' s receipt of the request . FAILURE TO COMPLY WILL RESULT IN A $100 PER CALENDAR DAY PENALTY TO BE PAID BY HUMANA UPON WRITTEN NOTIFICATION BY THE CITY TO HUMANA. THE AFFECTED MEMBER WILL RECEIVE ONE-HALF OF THE PENALTY, to be applied by the City to the member' s medical plan premium deduction. This penalty may be waived only by mutual agreement between the City and Humana. 7 . "Threatening Letter" Responses Any time a PPO, POS or HMO member receives a letter from a participating or non-participating provider threatening legal action, referral to a collection agency or other negative action which could jeopardize the member' s credit standing because of Humana ' s delay or failure to pay claims, Humana shall respond, in writing or verbally with a follow-up in writing, to the member and the City administration with an explanation of the status of any claims submitted within the past 30 days. The City administration shall notify Humana of threatening letter 3 via claims transmittal form and copy of all relevant information available. Humana' s response shall include the status of the claims, reason for any delays, and the name and telephone number for a Humana contact person to received additional information. Responses shall be received by the member (or the City administration, if the member can not be contacted) within 14 calendar days (which includes return mail time) of Humana' s receipt of the request . FAILURE TO COMPLY WILL RESULT IN A $100 PER CALENDAR DAY PENALTY TO BE PAID BY HUMANA UPON WRITTEN NOTIFICATION BY THE CITY TO HUMANA. THE AFFECTED MEMBER WILL RECEIVE ONE-HALF OF THE PENALTY, to be applied by the City to the member' s medical plan premium deduction. This penalty may be waived only on a case-by-case basis, by mutual agreement in writing between the City and Humana. 8 . Dedicated Services in Humana Effective October 1, 1994 . a. Humana agrees to process PPO Plan claims for City of Miami Beach members, both employees and retirees, in a claims processing unit dedicated exclusively to ' special ' (including Service Agreement) accounts. Humana will maintain experienced staffing in this claims processing unit to insure timely and accurate processing according to plan benefits . Humana shall conduct an audit with a random sample of 10% of Medicare primary claims submitted each calendar quarter. A report shall be provided to the City. b. Humana agrees to place an Account Service Representative within the City of Miami Beach Human Resources Department office on a full-time basis . The representative will be authorized to resolve PPO, POS and HMO Plans problems brought to the Representative to handle. Also, the Representative will be authorized to resolve Gold Plan (Medicare Supplement) claims problems, coordinating activities with the South Florida Group 4 Medicare Representative. The Representative will have a computer terminal on-line with Humana to provide information upon request regarding claims, enrollment and billing. In the event of a change in Representative, the City will be provided with a resume of the proposed representative ' s qualifications and experience. Should the Representative be scheduled to be absent from the office more than three (3) consecutive business days, telephone calls to the Representative will be rerouted to the Account Services Analyst under the supervision of the Account Services Supervisor. Humana of Miami Beach offices determined necessary by both parties . Humana agrees to provide ready access to a Utilization Specialist to assist HMO, PPO and POS members with medical issues including PPO prior authorizations, PPO pre- admission certifications, PPO length of stay issues and discharge planning; HMO and POS referrals, access to HMO and POS primary care physicians , and obtaining authorizations for emergency and outpatient care . Access for employees and retirees will be via the in-house Service Representative. 9 . HMO, PPO and POS Plans - Changes in Benefits When Humana changes a plan benefit, the City administration shall be notified at least 60 days prior to the proposed effective date of the change . All changes must be agreed to by the City at least 30 days prior to the actual implementation date . All plan members must be notified by announcement mailed to their home addresses at least 15 days prior to implementation, once such change has been agreed to by the City. FAILURE TO COMPLY WILL RESULT IN A $100 PENALTY PER MEMBER ADVERSELY AFFECTED, TO BE PAID BY HUMANA UPON 5 WRITTEN NOTIFICATION BY THE CITY TO HUMANA. EACH AFFECTED MEMBER WILL RECEIVE ONE-HALF OF THE PENALTY, to be applied by the City to the member' s healthcare plan premium deduction. ALSO, AN EXCEPTION WILL BE REQUESTED AND APPROVED TO PROVIDE THE BENEFIT AT THE PREVIOUS LEVEL UNTIL THE CHANGE IS APPROVED BY THE CITY AND NOTIFICATION PROVIDED TO THE PLAN MEMBERS. 10 . HMO and POS Plans Physician Appointments Humana guarantees that all "emergency" medical care required by covered City members will be available within 24 hours of notification by the covered member or his representative (i . e. family member, friend, hospital or other provider) to one of the following Humana offices : Preadmission Review/Prior Authorization in Louisville, Kentucky at (800) 523-0023 ; Customer Services at Miami, Florida at (800) 521-4882 or (305) 623-2400; or the member' s primary care physician office or, if after office hours, the physician' s answering service . Further, Humana guarantees that each covered City member requiring "urgent" medical care due to illness or injury (but not considered an "emergency" ) will be able to secure an appointment and have treatment provided by a Primary Care Physician or, if deemed medically necessary (and authorized by the patient ' s HMO Center) , a specialist within 72 hours (including weekends and/or observed Federal holidays) of notification by the covered member or his representative (i .e. family member, friend, or a City' s Employee Benefits representative) . Notification shall be to the member' s Humana primary care Physician' s office or, if after hours, the physician' s answering service; or Customer Services in Miami, Florida at (800) 521-4882 or (305) 623-2400 . FAILURE TO COMPLY WILL RESULT IN A $100 PER CALENDAR DAY PENALTY TO BE PAID BY HUMANA UPON WRITTEN NOTIFICATION BY THE CITY TO HUMANA. THE AFFECTED MEMBER WILL RECEIVE ONE-HALF OF THE PENALTY, to be applied by the City to the member' s healthcare plan premium deduction. ALSO, AN EXCEPTION WILL BE REQUESTED BY THE CITY AND APPROVED BY HUMANA TO PROVIDE PLAN BENEFITS FOR THE FOLLOWING: (a) ONE EMERGENCY ROOM OR OFFICE VISIT (INCLUDING MEDICALLY NECESSARY SERVICES SUCH AS TESTS AND/OR PROCEDURES) FOR "EMERGENCY" SERVICES INCURRED BY THE MEMBER IF 6 "EMERGENCY" SERVICES WERE NOT AVAILABLE BY THE END OF THE 24 HOUR PERIOD. HUMANA' S PENALTY WOULD BE LIMITED TO $100 (ONE CALENDAR DAY) . (b) ONE OFFICE VISIT FOR "URGENT" SERVICES (INCLUDING MEDICALLY NECESSARY SERVICES SUCH AS TESTS AND/OR PROCEDURES) INCURRED BY THE MEMBER IF "URGENT" SERVICES WERE NOT PROVIDED BY THE END OF THE 72 HOUR PERIOD. HUMANA' S PENALTY WOULD BE LIMITED TO $100 (ONE CALENDAR DAY) . Humana agrees that any covered City member requiring specialty care shall be referred to an appropriate specialist and have treatment provided within two (2) weeks of the Primary Care Physician visit if the patient ' s health and well-being would be compromised by a delay in specialty care beyond the two (2) week period. Otherwise, specialty care shall be provided within four (4) weeks of the Primary Care Physician visit . If an appropriate specialist is not contracted by the patient ' s HMO Center, Humana shall arrange for treatment to be provided within the time frames and guidelines set forth above in this paragraph. FAILURE TO COMPLY WILL RESULT IN A $100 PER CALENDAR DAY PENALTY (UNTIL IN COMPLIANCE OR AS NOTED BELOW) , TO BE PAID BY HUMANA UPON WRITTEN NOTIFICATION BY THE CITY TO HUMANA. THE AFFECTED MEMBER WILL RECEIVE ONE-HALF OF THE PENALTY, to be applied by the City to the member' s healthcare plan premium deduction. ALSO, AN EXCEPTION WILL BE REQUESTED BY THE CITY AND APPROVED BY HUMANA TO PROVIDE PLAN BENEFITS FOR THE FOLLOWING: (a) ONE OFFICE VISIT FOR SPECIALTY SERVICES (INCLUDING MEDICALLY NECESSARY SERVICES SUCH AS TESTS AND/OR PROCEDURES) INCURRED BY THE MEMBER IF SPECIALTY SERVICES WERE NOT PROVIDED BY THE END OF THE TWO (2) WEEK PERIOD, IF THE PATIENT' S HEALTH AND WELL-BEING WOULD BE COMPROMISED BY A FURTHER DELAY. HUMANA' S PENALTY WOULD BE LIMITED TO $100 TIMES THE NUMBER OF CALENDAR DAYS FROM THE END OF THE TWO (2) WEEK PERIOD UNTIL THE DATE OF THE SPECIALTY VISIT. (b) ONE OFFICE VISIT FOR SPECIALTY SERVICES (INCLUDING MEDICALLY NECESSARY SERVICES SUCH AS TESTS 7 AND/OR PROCEDURES) INCURRED BY THE MEMBER IF SPECIALTY SERVICES WERE NOT PROVIDED BY THE END OF THE FOUR (4) WEEK PERIOD. HUMANA' S PENALTY WOULD BE LIMITED TO $100 TIMES THE NUMBER OF CALENDAR DAYS FROM THE END OF THE FOUR (4) WEEK PERIOD UNTIL THE DATE OF THE SPECIALTY VISIT. II. TERM OF AGREEMENT This Agreement shall commence on October 1, 1995 and terminate September 30, 1996 . The City and Humana have the option to renew this Agreement annually upon mutual consent . III. PERFORMANCE OF SERVICE NOTIFICATION Humana shall receive notices regarding performance of service addressed to the following: Denise Saxton, Account Services Manager Humana Health Care Plans 3400 Lakeside Drive Miramar, Florida 33027 Telephone : (305) 626-5216 The City shall receive notices regarding performance of service addressed to the following: Dee Martinez Ravelo, Employee Benefits Coordinator Human Resources Department City of Miami Beach 1700 Convention Center Drive Miami Beach, FL 33139 Telephone : (305) 673-7526 8 IV. PAYMENT OF PENALTIES Any time penalties are incurred by Humana pursuant to the terms of the Agreement, the City will submit a written invoice to Humana detailing the dates, names of City members, identification numbers and alleged performance failures . Humana must agree to or dispute these penalties within 20 days of receipt . If Humana agrees that the penalty is justified, Humana will acknowledge the penalty and inform the City in writing within 10 days of the decision. Humana will pay these agreed-to penalty amounts to the City within the following 30 days . If Humana does not agree that the penalty is justified, Humana will inform the City administration in writing within 10 days of the decision. A meeting between the City administration and Humana will be held within 30 days to resolve the alleged penalty through negotiations . V. ENTIRE AGREEMENT All provisions contained within this Agreement, the City of Miami Beach Invitation to Bid No. 101-91/96, and Humana ' s Bid Response represent all the terms and conditions agreed to by the City administration and Humana. In the event of a discrepancy between these documents, the order of priority of the documents shall be as follows : This Agreement Humana' s Bid Response City of Miami Beach Invitation to Bid No. 101-91/96 The City and Humana recognize that in order to comply with applicable state laws that Humana must file a document with the State of Florida Department of Insurance setting forth the benefits and coverage to be provided by Humana under the terms of this Agreement, Humana' s Bid Response and City of Miami Beach Invitation to Bid No. 101-91/96 . The City and Humana acknowledge that the document to be provided to the State is not a full and accurate representation of the terms and conditions as set forth in this Agreement, City of Miami Beach Invitation to Bid No. 101-91/96 and Humana ' s Bid Response. 9 IN WITNESS WHEREOF, the parties have made and executed this Agreement on the respective • es under ea signature : CITY OF IAMI BEACH I BY: AM OP - Ma r.r CITY OF MIAMI BEACH FORM APPROVED Attes : LEGAL D T. ity Clerk By / Date —��—(,g=5 HUMANA HEALTH CARE PLANS HUMANA HEALTH INSURANCE COMPANY OF FL, INC. (CORPORATE SEAL) BY: Vice President ame a Ti le So. Florida Market Operations DATE: HUMANA MEDICAL PLAN, INC. (CORPORATE SEAL) BY: Vice President Name an itle So. Florida Market Operations DATE: Z' 7( J- 10