The amounts below are effective December 15, 2002, the first pay-period of 2003, and are based on pay-period contributions.
These amounts are deducted from 24 of 26 pay periods.

	Individual Coverage			Employee + Child(ren)			Employee + Spouse*			Employee + Spouse, Child(ren)
Medical	Total Cost	WHOI Share	Employee Share	Total Cost	WHOI Share	Employee Share	Total Cost	WHOI Share	Employee Share	Total Cost	WHOI Share	Employee Share
HMO BLUE New England	$141.21	$84.73	$56.48	$254.17	$152.50	$101.67	$282.38	$169.43	$112.95	$399.99	$239.99	$160.00
Access  Blue	$143.33	$84.73	$58.60	$257.98	$152.50	$105.48	$286.61	$169.43	$117.18	$406.20	$239.99	$166.03
Blue Care  Elect  (PPO)	$215.79	$84.73	$131.06	$388.42	$152.50	$235.92	$431.52	$169.43	$262.09	$611.31	$239.99	$371.32

	Employee			Employee plus Family*
Dental	Total  Cost	WHOI Share	Employee Share	Total Cost	WHOI Share	Employee Share
Delta Dental Plan	$11.97	$11.97	$ 0.00	$36.80	$11.97	$24.83

Employees pay the full cost for supplemental life, dependent life and AD&D coverage. The following rates are based on pay period contributions.

Supplemental Life Insurance Age of Employee	Employee Share (Per $1,000)	Dependent Life Insurance Age of Spouse*	Employee Share(Per $1,000)
Under 30	$ .040	Under 30	$ .040
30 - 34	$ .045	30 - 34	$ .045
35 - 39	$ .070	35 - 39	$ .070
40 - 44	$ .110	40 - 44	$ .110
45 - 49	$ .175	45 - 49	$ .175
50 - 54	$ .265	50 - 54	$ .265
55 - 59	$ .460	55 - 59	$ .460
60 - 64	$ .525	60 - 64	$ .525
65 - 69	$ .825	65 - 69	$ .825
70 - 74	$ 1.450	70 - 74	$1.450
75 and over	$ 2.475	75 and over	$ 2.475

Dependent Life Insurance Child(ren) Coverage	Employee Share
$ 2,000 per family	$ .11
$ 5,000 per family	$ .255

AD&D Insurance	Employee Share (Per $10,000)
Individual	$ .135
Family	$ .210