Mike, here are all the quotes on the health insurance.  Call me thanks rick 6172937772

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Rates apply if enrolled on 12/1/2006 and will renew on 4/1/2007

Tufts Health Plan from Quote 1
		Benefit Summary				Monthly Premium		Company
	Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*Family	Total
HMO	Premium with Rx	$10	$0	$10/25/45	$50	$602.00	$0.00	$1,204.00
	Advantage HMO 2000 no Rx	$20	$2000/4000 deductible	none	$100	$354.00	$0.00	$708.00
PPO	Advantage PPO with Rx	$25	$1000/2000 deductible	***$10/30/45	$100	$468.00	$0.00	$936.00
Tufts Health Plan from Quote 2 �\ appear identical to Quote 3 as well
HMO	Premium with Rx	$10	$0	$10/25/45	$50	$615.00	$0.00	$1,230.00
	Advantage HMO 2000 no Rx	$20	$2000/4000 deductible	none	$100	$362.00	$0.00	$724.00
PPO	Advantage PPO with Rx	$25	$1000/2000 deductible	***$10/30/45	$100	$479.00	$0.00	$958.00

*Rates include an NBT administrative fee
(a) Per hospital admission	***($250 Individual deductible, $500 Family deductible then co-payments)
(b)(Most In-Network benefits $25) (Some In-Network benefits at 100% after Plan Deductibles [ i.e. Therapeutic procedures, Diagnostic X-Rays, Lab Tests])
(c)($1000 Ind. and $2000 Family Plan deductible) (80% Out-of-Network coverage after Plan deductible) ($2000 Ind. and $4000 Family Calendar year Out-of-pocket Maximums)
(d) $1000 Ind. and $2000 Family Plan deductible	(e) $2000 Ind. and $4000 Family Plan deductible

Harvard Pilgrim Health Care�\same in all three quotes
		Benefit Summary				Monthly Premium		Company
	Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*Family	Total
HMO	Premier with Rx	$10	$0	$10/25/40	$50	$613.20	$0.00	$1,226.40
	Best Buy 2000 no Rx	$20	**$2000 deductible	none	$100 after ded	$349.27	$0.00	$698.54
PPO	Best Buy HSA 1500 (GJ)	$20	**$1500/3000 deductible	(a) 10/25/40	subject to deductible	$406.23	$0.00	$812.46
	Best Buy HSA 1500 (GM)	$20	(b)$1500/3000 deductible	(a) 10/25/40	(b)subject to deductible	$395.40	$0.00	$790.80
	Best Buy HSA 2000 (GK)	$20	**$2000/4000 deductible	(a) 10/25/40	subject to deductible	$382.68	$0.00	$765.36
	Best Buy HSA 2000 (GN)	$20	(b)$2000/4000 deductible	(a) 10/25/40	(b)subject to deductible	$366.72	$0.00	$733.44
	Best Buy HSA 3000 (GL)	$20	**$3000/6000 deductible	(a) 10/25/40	subject to deductible	$368.27	$0.00	$736.54
	Best Buy HSA 3000 (GO)	$20	(b)$3000/6000 deductible	(a) 10/25/40	(b)subject to deductible	$352.87	$0.00	$705.74

*Rates include an NBT administrative fee	**Covered in full after calender year deductible	***Per admission	(a) Rx copay after deductible
(b) coinsurance of 80/20 after deductible

This proposal does not constitute a guarantee of benefits, coverage, or rates. Final rates are based on actual enrollment.

Neighborhood Health Plan
2 Tier Rates		Benefit Summary				Monthly Premium		Company
	Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*Family	Total
HMO	NHP Care Classic (Classic)	$0	$0	$5/10/25	$25	$350.28	$0.00	$700.56
	NHP Care 10/75 (Option3)	$10	(f)$100/day	none	$75	$276.89	$0.00	$553.78

3 Tier Rates		Benefit Summary				Monthly Premium			Company
	Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*2 Person	*Family	Total
HMO	NHP Care Classic (Classic)	$0	$0	$5/10/25	$25	$350.28	$0.00	$0.00	$700.56
	NHP Care 10/75 (Option3)	$10	(f)$100/day	none	$75	$276.89	$0.00	$0.00	$553.78

*Rates include an NBT administrative fee	(a)$250 max per person per admission	(b)$800 max per person per calendar year	(c)$1000 max per person per calendar year
(d)$1000 max per person per calendar year	(e)$2000 max per person per calendar year	(f)$500 max per person per admission
(g) $1000 Ind. and $2000 Family Plan deductible		**$100 Individual deductible, $200 Family deductible then co-payments

Fallon Select Care HMO Health Plan
2 Tier Rates	Benefit Summary				Monthly Premium		Company
Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*Family	Total
Standard w/Rx	$10	$0	$10/20/40	$50	$446.00	$0.00	$892.00
Care Choice $2000	$20	(h)$2000/4000 deductible	(i)$10/25/50	subject to ded	$308.00	$0.00	$616.00

3 Tier Rates	Benefit Summary				Monthly Premium			Company
Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*2 Person	*Family	Total

*Rates include an NBT administrative fee	(a)$100 Ind/$200 Fam deductible
(b)Per admission	(e) primary care/specialty care
(h) covered in full after deductible	(i) Rx copay after deductible

Fallon Preferred Care PPO Health Plan from Quote 1
2 Tier Rates	Office Visit		In Patient		Out Patient Rx		ER Room		Monthly Premium		Company
Plan Name	In Network	Out Network	In Network	Out Network	In Network	Out Network	In Network	Out Network	*Ind	*Family	Total
Preferred Care w/Rx	$15	(k)$300/600 deductible	(b)$250	(k)$300/600 deductible	$10/20/45	(k)$300/600 deductible	$50	$50	$584.00	$0.00	$1,168.00
Preferred Care 500 w/Rx	$20	(m)$500/1000 deductible	(g)$500/1000	(m)$500/1000 deductible	$10/25/50	(m)$500/1000 deductible	$75	$75	$512.00	$0.00	$1,024.00
Fallon Preferred Care PPO Health Plan from quote 2 and Quote 3
2 Tier Rates	Office Visit		In Patient		Out Patient Rx		ER Room		Monthly Premium		Company
Plan Name	In Network	Out Network	In Network	Out Network	In Network	Out Network	In Network	Out Network	*Ind	*Family	Total
Preferred Care w/Rx	$15	(k)$300/600 deductible	(b)$250	(k)$300/600 deductible	$10/20/45	(k)$300/600 deductible	$50	$50	$556.00	$0.00	$1,112.00
Preferred Care 500 w/Rx	$20	(m)$500/1000 deductible	(g)$500/1000	(m)$500/1000 deductible	$10/25/50	(m)$500/1000 deductible	$75	$75	$488.00	$0.00	$976.00

3 Tier Rates

Office Visit

In Patient

Out Patient Rx

ER Room

Monthly Premium

Company

Plan Name

In Network

Out Network

In Network

Out Network

In Network

Out Network

In Network

Out Network

*Ind

*2 Person

*Family

Total

footnotes from Quote 1 ; same as Quote 2 and Quote 3

*Rates include an NBT administrative fee (b)Per admission	(g) coinsurance of 90/10 after deductible (h) covered in full after deductible
(k) coinsurance of 80/20 after deductible	(m) coinsurance of 70/30 after deductible

Fallon Direct Care HMO Health Plan
2 Tier Rates	Benefit Summary				Monthly Premium		Company
Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*Family	Total
Standard w/Rx	$10	$0	$10/20/40	$50	$392.00	$0.00	$784.00
Care Choice $2000	(g)$20	(h)$2000/4000 deductible	(i)$10/25/50	subject to ded	$272.00	$0.00	$544.00

3 Tier Rates	Benefit Summary				Monthly Premium			Company
Plan Name	Office Visit	In Patient	Out Patient Rx	ER Room	*Ind	*2 Person	*Family	Total

*Rates include an NBT administrative fee	(a)$100 Ind/$200 Fam deductible
(b)Per admission	(e) primary care/specialty care
(h) covered in full after deductible	(i) Rx copay after deductible

Northeast Business Trust (NBT), a leading provider of group medical plans for over 25 years will be happy to assist you in setting up a medical plan best suited for your business. Please review the enclosed material and call any of our health care specialists who can assist you if you have any questions. Ph:(800) 464-0039 Fax: (978) 663-5431 Website: http://www.nbtgroup.com