2008 IOGA Employee Benefits Program

The Independent Oil and Gas Association of West Virginia, Inc. (IOGA), offers what is considered the premier association health insurance program in West Virginia. The IOGA program is presented through a successful partnership with Mountain State Blue Cross Blue Shield (MSBCBS) and Wells Fargo Insurance Services of West Virginia, Inc. and has become the largest fully insured policyholder of MSBCBS.

The stability of the plan allows our members to focus more on their business, since all services are provided by IOGA, Wells Fargo Insurance Services and MSBCBS.

Plan features offer availability to groups of one or more; competitive rates; reduced employer risk exposure, multiple plan options; tiered rates; and outstanding customer service.

IOGA membership is one of the qualifications for the insurance program. For more information about this program, contact Lori Miller of IOGA at lmiller@iogawv.com or 304.344.9867 or Pete Thackston of Wells Fargo Insurance Services at 800.322.2381.

The IOGA insurance plan also provides a dental program through United Concordia, a subsidiary of Blue Cross Blue Shield of Pennsylvania, and life insurance and shortterm disability coverages through Fort Dearborn Life Insurance Company.

About IOGA-WV

Formed in 1959, the Independent Oil and Gas Association of West Virginia, Inc., is a statewide not for profit corporation that represents oil and natural gas producers and the companies and individuals who support production activities. IOGA-WV, the state’s largest and most respected oil and gas association, has nearly 400 company members who are active not only in West Virginia, but also in other states. IOGA-WV was formed to promote and protect a strong, competitive and capable independent natural gas and oil producing industry in West Virginia.

Health Plan Options

Super Blue 100 90/70

• $100 (x2) Deductible
• 90/10 In-Network Co-Insurance
• $600/$1200 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 250 90/70

• $250 (x2) Deductible
• 90/10 In-Network Co-Insurance
• $750/$1500 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 500 90/70

• $500 (x2) Deductible
• 90/10 In-Network Co-Insurance
• $1000/$2000 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1000 90/70

• $1000 (x2) Deductible
• 90/10 In-Network Co-Insurance
• $1500/$3000 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1500 90/70

• $1500 (x2) Deductible
• 90/10 In-Network Co-Insurance
• $2000/$4000 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 2000 90/70

• $2000 (x2) Deductible
• 90/10 In-Network Co-Insurance
• $2500/$5000 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 250 80/60

• $250 (x2) Deductible
• 80/20 In-Network Co-Insurance
• $1250/$2500 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 500 80/60

• $500 (x2) Deductible
• 80/20 In-Network Co-Insurance
• $1500/$3000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1000 80/60

• $1000 (x2) Deductible
• 80/20 In-Network Co-Insurance
• $2000/$4000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1500 80/60

• $1500 (x2) Deductible
• 80/20 In-Network Co-Insurance
• $2500/$5000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 2000 80/60

• $2000 (x2) Deductible
• 80/20 In-Network Co-Insurance
• $3000/$6000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage With $50 Co-Pay in Accident/Emergency
• 100% Preventive Coverage for Certain Services
• Prescription Drug Card with Mail Order Benefit

Dental Insurance

• 100% Preventive
• $50 (x3) Deductible for
• 80% Basic
• 50% for Major and Orthodontic

Term Life Insurance Options

• $15,000 Term Life Insurance
• $25,000 Term Life Insurance
• $50,000 Term Life Insurance

Short-Term Disability Insurance

• First day accident, eighth day illness and twenty-six weeks of benefits
• $150 per week benefit
• $250 per week benefit
• $300 per week benefit

Competitive Rates and Reduced Risk Exposure

Combining our member companies into one large group provides the opportunity for competitive rates and reduces risk exposure to these groups by becoming a large pool. The IOGA-WV health plan has become Mountain State Blue Cross Blue Shield’s largest fully insured plan of more than 1000 employees and $8.5 million in annual premium.

Nationwide access to all Blue Cross Blue Shield association PPO providers.

Lori Miller 877.898.4642 or
Pete Thackston 800.322.2381