Modifications to Coverage. The determination of carriers and/or method of providing insurance rests with the Employer. Any change in carriers or methods of providing insurance which would effect the bargaining unit in any way shall be discussed with the Union prior to implementation. The Employer may periodically change the plan coverage, including deductibles, co-payments, etc., but will do so after discussing with the Union. Reasonable adjustment of deductibles, co-pays, etc., shall not be considered as a reduction of benefits.
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