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HomeMy WebLinkAboutContract 29052 CITY SECRETARY CONTRACT NO. COBRA Administrative Services Agreement By And Between 09-03-03 Al 1 : 28 1 N City of Fort Worth (Hereinafter Referred To As The "Contractholder") And United HealthCare Insurance Company Hartford, Connecticut (Hereinafter Referred To As "United HealthCare") This Agreement shall be effective as of October 1, 2001. WHEREAS, the Contractholder is a governmental entity which is the "plan administrator' and sponsor of a "group health plan" as such terms are defined by Section 300bb-8 of the Public Health Services Act, , as amended (the "PHSA"); and WHEREAS, the Contractholder desires United HealthCare to perform certain services in connection with the continued health insurance coverage requirements imposed by applicable provisions of the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended and as codified in the PHSA (hereinafter "COBRA"); and WHEREAS, United HealthCare is willing to perform such services; NOW, THEREFORE, in consideration of the mutual promises contained in this Agreement, the parties agree as follows: Section I: Definitions The following definitions apply to this Agreement: (a) "Agreement Period" means each 12-month period beginning on or after January 1, 2003, provided, that the first Agreement Period shall be a long period beginning on the effective date first set forth above and ending on December 31, 2002. (b) "Monthly Contribution Amount' means the amount the Qualified Beneficiary must contribute to continue coverage under the Contractholder's Plan. (c) "Plan" means the group health plan portion of the employee welfare benefit plan established by the Contractholder which is subject to the continuation requirements of COBRA and which is administered by United HealthCare on a contract basis pursuant to a separate agreement between the parties. tw COBRA Administrative Services Agreement (10/01u ) ml 1 (d) "Qualified Beneficiaries" means those individuals who have experienced a Qualifying Event and who have elected COBRA continuation coverage under the Contractholder's Plan. (e) "Qualifying Event" has the meaning set forth in COBRA. Section II: Services To Be Performed By United HealthCare (a) During the continuance of this Agreement, United HealthCare will: (i) notify the Qualified Beneficiaries of their rights to continue their coverage within the time specified by COBRA after a Qualifying Event (such notice to specify the Monthly Contribution Amount required to continue coverage under the Contractholder's Plan); (ii) distribute to each Qualified Beneficiary an election form prepared by or acceptable to United HealthCare and the Contractholder; (iii) provide the Contractholder with a general administration manual which includes procedures to be followed by the Contractholder in the administration of its COBRA continuation program; (iv) provide standard COBRA election forms to the Contractholder; (v) bill the Contractholder's Qualified Beneficiaries for the Monthly Contribution Amounts (such bill to indicate the coverage period being billed for, the payment due date, the amount due for the coverage period, any amount due for prior coverage periods, and the entity and address to which payment should be sent). (vi) collect from the Qualified Beneficiaries the Monthly Contribution Amounts for group health coverage under the Plan; (vii) distribute payments received from Qualified Beneficiaries to the Contractholder's premium account(s) at United HealthCare, to the Contractholder's alternate funding bank account at Fleet National Bank, Hartford, Connecticut, (if applicable), and/or to other entities as specified in the COBRA billing information form filed by the Contractholder with United HealthCare; (viii) provide claim certification data to United HealthCare claim office(s) and/or other entities as specified in the COBRA billing information form filed by the Contractholder with United HealthCare; (ix) provide customer service representatives to respond to inquiries from Qualified Beneficiaries regarding billing, collection and coverage changes; (x) provide special messages to Qualified Beneficiaries on the billing statements to communicate plan or administrative details as deemed necessary by the Contractholder and United HealthCare for the administration of the program; (xi) upon request by the Contractholder, provide the Contractholder with an excel spreadsheet with names and addresses; COBRA Administrative Services Agreement (10/01) 2 (xii) provide written notice of termination of coverage to each Qualified Beneficiary whose continuation coverage terminates due to (A) failure to timely pay the required Monthly Contribution Amount, (B) the expiration of the maximum period of time for which COBRA coverage may continue, or (C) such other reason as is specified in the Contractholder's notice to United Healthcare (such as the submission of fraudulent claims), such notice to specify the reason and effective date for the termination of coverage; and (xiii) provide to the Contractholder at least monthly a written report showing the name of each Qualified Beneficiary, the type(s) of coverage billed for, the period(s) of time billed for, the amount billed, the amount received, and the date each amount was received. Such report will also list any Qualified Beneficiaries whose continued coverage was terminated during the previous calendar month, and the reason for each termination. (b) The data produced by United HealthCare pursuant to this Agreement will be based upon information provided to United HealthCare as of the date the report is prepared. The reports of Qualified Beneficiaries who have not yet paid their Monthly Contribution Amount but who are still in the grace period provided by the Plan will be included in the certification data, without special notation. (c) Unless otherwise notified in writing by the Contractholder, the Qualified Beneficiary, or any other person, United HealthCare will be entitled to conclusively presume that a Qualified Beneficiary's eligibility for continuation of coverage under the Contractholder's Plan has not terminated by reason of coverage under another group health plan or by becoming eligible for Medicare. (d) The Contractholder will provide United HealthCare with reasonable advance written notice of any changes in the Monthly Contribution Amounts. (e) United HealthCare may accept amounts sent by Qualified Beneficiaries which are less than the Monthly Contribution Amount. Partial payments may, at the discretion of United HealthCare, be returned to the Qualified Beneficiary. If partial payments are accepted, the Qualified Beneficiary will be listed on the reports, without special notation. (f) United HealthCare will furnish records and information in its possession and control to the Contractholder as needed to perform its functions under this Agreement. (g) For purposes of Section II(a)(xiv), the payment of the Monthly Contribution Amount by or on behalf of a Qualified Beneficiary will be considered timely only if such payment is received (or deemed received) by United Healthcare within thirty (30) days after the payment due date or within forty-five (45) days after the initial election of COBRA continuation coverage. A payment shall be deemed received by United HealthCare on the date it is postmarked by the U.S. Postal Service. Section III: Duties and Responsibilities of the Contractholder (a) The Contractholder will assume sole responsibility for compliance with its obligations under COBRA. United HealthCare has neither warranted, represented, nor implied that COBRA Administrative Services Agreement (10/01) 3 the provisions of the Contra ctholder's Plan constitute compliance with any legal obligations of the Contractholder. (b) The Contractholder will assume sole responsibility for establishing the Monthly Contribution Amounts (including any increased Monthly Contribution Amount for extended continuation coverage applicable to disabled Qualified Beneficiaries). The setting of premium or contribution rates by United HealthCare with respect to coverages it underwrites or administers shall not be construed as advice for the purpose of compliance with any legal obligations of the Contractholder. (c) The Contractholder will have final authority to decide all questions, including matters of clerical error, concerning Qualified Beneficiaries' eligibility for continued coverage under the Contractholder's Plan. Notwithstanding anything herein to the contrary, United HealthCare shall have no power or authority to alter, modify, or waive any terms or conditions of the Plan; to waive any breach of any such terms or conditions; or to bind the Contractholder or waive any of the Contractholder's rights under the Plan or otherwise, whether by making any statement or by receiving at any time any notice or information or by any other action or omission. (d) The Contractholder will furnish such records and information in its possession and control to United HealthCare as are needed for United HealthCare to perform its function under this Agreement, including notifying United HealthCare of a Qualifying Event within thirty (30) business days after the occurrence of such event or of the Contractholder's receipt of notice of such event, as applicable. Section IV: Fees and Charges; Due Dates, Payments and Penalties (a) Fees and charges for the services provided under this Agreement shall be in accordance with the schedule set forth in Exhibit A. United HealthCare reserves the right to change said fees: (i) on the first day of each Agreement Period beginning on or after January 1, 2003; (ii) any time there are changes made to this Agreement or the Plan which affects the fees, provided United HealthCare notifies the Contractholder of the new service fee within thirty (30) days after the date of the change. If United HealthCare does not provide notice of the new standard service fee within such thirty (30)-day period, then any increase in the standard service fee shall not be effective until sixty (60) days after the date United HealthCare provides the Contractholder with notice of the new standard service fee; or (iii) when there are changes in laws or regulations which affect the services United HealthCare is providing, or will be required to provide, under this Agreement. Any new service fee which arises out of such change will be effective on the date those changes occur, even if that date is retroactive, provided United HealthCare notifies the Contractholder of the new service fee within thirty (30) days after the date of the change. If United HealthCare does not provide notice of the new standard service fee within such thirty (30)-day period, then any increase in the standard service fee shall not be effective until sixty (60) days after the date United HealthCare provides the Contractholder with notice of the new standard service fee. COBRA Administrative Services Agreement (10/01) 4 United HealthCare shall provide the Contractholder with sixty (60) days prior written notice of the revised service fees for subsequent Agreement Periods, item (i) above. Service fee adjustments relating to an Agreement Period anniversary shall become effective on the first day of the new Agreement Period or, if notice is not provided within the sixty (60)-day period described above, on the first day of the Agreement Period immediately following the new Agreement Period. Such fees will be in addition to any other premiums, fees, or charges due to United HealthCare by the Contractholder under any other agreement between the parties. In addition, the Contractholder agrees to reimburse United HealthCare for the amount of any taxes, or other charges, in connection therewith, assessed against United HealthCare or the Contractholder (but which are payable by United HealthCare or for which United Health Care has been made a collection agent)with respect to the services provided under this Agreement. (b) United HealthCare will bill the Contractholder for the amounts that are owed. These amounts are due and payable on the Due Date shown on the bill. If amounts owed are not paid within thirty (30) days after their Due Date, the Contractholder will pay United HealthCare interest on these amounts at the standard interest rate charged to its self- funded customers. The Contractholder agrees to reimburse United HealthCare for any costs that United HealthCare incurs to collect these amounts. For every Agreement Period United HealthCare will reconcile the total amounts paid with the total amounts owed. If the Contractholder owes United HealthCare money as a result of the reconciliation, the Contractholder will pay United HealthCare within thirty (30) days after receiving notice of the amount owed. If United HealthCare owes the Contractholder money as a result of the reconciliation, United HealthCare will pay the Contractholder within thirty (30) days after completion of the reconciliation. For payments made after the thirty (30) days, United HealthCare will charge interest on the amounts paid at the interest rate charged to its self-funded customers or the maximum permitted by law, whichever is less. For payments made after the thirty (30) days, the Contractholder will charge interest on the amounts paid at the interest rate charged to its self-funded customers or the maximum permitted by law, whichever is less. Section V: Indemnification (a) The Contractholder shall be solely responsible for and United Healthcare shall have no responsibility regarding any liability, obligation, risk expense, cost, damage, loss, claim, action or judgment (including attorney's fees) based upon or arising from the acts or omissions of the Contractholder, its directors, officers, employees, or agents occurring in connection with this Agreement. (b) United Healthcare shall be solely responsible for and the Contractholder shall have no responsibility regarding any liability, obligation, risk, expense, cost, damage, loss, claim, action, or judgment (including attorney's fees) based upon or arising from the acts or omissions of United Healthcare, its directors, officers, employees, or agents occurring in connection with this Agreement. (c) The Contractholder agrees to immediately notify United Healthcare of any cause or action brought against the Contractholder or the Plan for which United Healthcare could COBRA Administrative Services Agreement (10/01) 5 ultimately be required to accept liability for performance of its respective duties and responsibilities under this Agreement. The Contractholder agrees not to compromise or settle any such cause of action without the express written consent of United Healthcare and that United Healthcare may, at its discretion, choose to defend such cause or action. (d) It is expressly understood that United HealthCare will not be the Plan Administrator or a "Named Fiduciary" with respect to the Contractholder's Plan as those terms are defined by applicable law, including the PHSA, as the result of this Agreement. In the event that United HealthCare is held to be the Plan Administrator or a "Named Fiduciary" with respect to services provided under this Agreement, the Contractholder agrees to indemnify and hold United HealthCare harmless from any loss, liability, damage or expense incurred as a consequence of such determination. (e) If any data file information given to United HealthCare concerning persons who have been identified as having experienced a Qualifying Event is unreadable United HealthCare will promptly notify the Contractholder. United HealthCare's obligation to send the COBRA coverage continuation notices will not begin until United HealthCare has received a machine readable data file transfer or written instructions to such notices to individuals who have experienced a Qualifying Event. Section VI: General Provisions (a) All changes to this Agreement must be in writing and signed by an appropriate officer of the parties. Failure by the Contractholder or United HealthCare to insist upon compliance with any provision of the Agreement at any time or under any given set of circumstances shall not operate to waive or modify such provision or in any manner render it unenforceable, as to any other time or as to any other occurrence, whether or not the circumstances are the same. No waiver of any of the terms and conditions of this Agreement shall be valid unless contained in a written memorandum and signed by a person duly authorized to sign such waiver. (b) The services to be performed by United HealthCare under this Agreement may be performed by United HealthCare or by any of its affiliated companies or by any subcontractor selected by it or them; provided, however, that United HealthCare will be responsible for those services to the same extent that it would have been had it performed those services without the use of an affiliate or subcontractor. (c) No assignment by any party pertaining to this Agreement shall be valid without the written consent of the other parties. (d) Notwithstanding the foregoing subsection (c), United HealthCare can assign this Agreement, including all of its rights and obligations, to an affiliate or subcontractor, subject to notice to the Contractholder of the assignment; provided, however, that notwithstanding any such assignment, United HealthCare will be responsible for and will guarantee the performance of and satisfaction of liability for all obligations imposed on United HealthCare hereunder. (e) This Agreement shall be governed by applicable federal law and the laws of the State of Texas (without giving effect to conflicts of laws principles thereof). COBRA Administrative Services Agreement (10/01) 6 M Nothing in this Agreement, express or implied, shall confer upon any employee of the Contractholder or Plan participant, or upon any representative of such employee or participant, or upon any person claiming through such employee or participant, or upon any collective bargaining agent, any rights or remedies of any nature or kind whatsoever. Nothing in this Agreement, express or implied, shall be deemed to confer upon any individual (or any beneficiary thereof) any rights under or with respect to any plan, program, or arrangement described in or contemplated by this Agreement, and each individual (and any beneficiary thereof) shall be entitled to look only to the express terms of any such plan, program, or arrangement for his or her rights thereunder. Nothing in this Agreement, express or implied, shall create a third party beneficiary relationship or otherwise confer any benefit, entitlement, or right upon any person or entity other than the parties hereto. (g) In performing its duties under this Agreement United HealthCare is acting as an independent contractor to the Contractholder, and the rights and responsibilities of the parties shall be determined in accordance with the law of agency except as otherwise herein provided. (h) All notices and communications required under the terms of this Agreement shall be given in writing by one party addressed to the other as follows: (i) notices to United HealthCare to the attention of Joe Callan at the address set forth on the signature page of this Agreement or such other address as United HealthCare may from time to time specify to the Contractholder in a written notice and (ii) notices to the Contractholder, to the attention of Mark Washington at the address set forth on the signature page or such other address as the Contractholder may from time to time specify to us in a written notice. Notices or communications can be sent by first class mail, United Postal express mail, commercial courier express mail, facsimile transmission, electronic transmission or telegraph. Notices and communications are considered to be provided upon: (i) depositing in the U.S. Mail with postage prepaid if first class mail is used; or (ii) being received by the designated addressee if any other authorized modes of communication is used. (i) In the event any provision of this Agreement shall be held illegal or invalid for any reason by law or a court of competent jurisdiction, said illegality or invalidity shall not affect the remaining parts of this Agreement, but it shall be construed and enforced as if said illegal or invalid provisions had not been included herein either initially, or beyond the date it is first held to be illegal or invalid if after the effective date of this Agreement, provided the basic purposes hereof can be effectuated through the remaining valid and legal provisions. (j) This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, and said counterparts shall constitute but one and the same instrument. (k) This Agreement shall not be construed to be an exclusive agreement between the parties hereto, nor shall it be deemed an agreement committing the Contractholder to enroll a minimum number of participants or Qualified Beneficiaries in the Plan. (1) Provisions necessary to effectuate the intent of this Agreement shall survive the termination of the Agreement, which provisions shall include, but are not limited to, Sections V and VII. COBRA Administrative Services Agreement (10/01) 7 (m) This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns. (n) United HealthCare acknowledges that by executing this Agreement the Contractholder does not waive any defense, immunity or other limitations on liability to which it is otherwise entitled by law. Section VII: Termination (a) This Agreement will continue in effect until terminated by the earliest of the following events to occur: (i) after the end of the Agreement Period beginning January 1, 2002, upon written notice by any party ninety (90) days before the date termination is to be effective; (ii) the Contractholder's failure to pay any required fee or charge, provided United Healthcare provides notice to the Contractholder of such failure and such failure is not corrected within fifteen (15) days thereafter; (iii) United HealthCare's breach of its obligations under this Agreement, provided the Contractholder provides notice to United HealthCare of such breach and such breach is not corrected within fifteen (15) days thereafter; (iv) as of the effective date of any increase in the fees payable by the Contractholder pursuant to Section IV(a) (or as of the date the Contractholder is notified of such fee increase if the effective date of the fee increase is retroactive) if the Contractholder provides written notice to United HealthCare objecting to such fee increase. (v) discontinuance of the Contractholder's group policy or other administrative service agreement with United HealthCare relating to the Plan. (b) United HealthCare will return all amounts collected from Qualified Beneficiaries but not distributed as provided in Section II(a)(vii) as of the date of termination, to the Contractholder less any amounts owed by the Contractholder to United HealthCare under this Agreement or any other agreement or group policy to which the Contractholder and United HealthCare are parties. In addition, United HealthCare may retain any amounts collected by it after the date of termination in the following circumstances: (i) this Agreement terminates without 90 days advance written notice, (ii) the Contractholder has discontinued its Plan, and (iii) Qualified Beneficiaries have been billed for and/or have paid for periods of coverage extending beyond the date of termination of this Agreement. (c) All service fees and charges accrued to the date of termination will be payable immediately upon the request of United HealthCare. COBRA Administrative Services Agreement (10/01) 8 (d) Upon termination of this Agreement United HealthCare will provide its regular monthly reports updated through the date of termination. In addition, United HealthCare shall cooperate fully with the Contractholder in turning over, within thirty (30) days after the date the Agreement ends, all data, records and information relating to COBRA continuation coverage under the Plan to the new COBRA service provider designated by the Contractholder. Such data, records and information do not include those that have been integrated or merged into United HealthCare's general operational or information systems and which are not separately distinguishable with regard to the Contractholder or the Plan. [signature page follows] COBRA Administrative Services Agreement (10/01) 9 IN WITNESS WHEREOF, the parties have executed this Agreement effective as of the date first set forth above. CONTRACTHOLDER CITY OF FORT WOR H By: C�UG�� Name: ichard Zavala Title: Interim Assistant City Manager Date: 8-18-03 AP ROVED T M AND LEGALIT`r: Address: 1000 Throckmorton Fort Worth, Tx 76102 !' e UNITED HEALTHCARE ATfESTE® BY UNITED HEALTHCARE INSURANCE COMPANY By: O.dA am Name: Theresa M. Lesco Title: Contract Account Executive 5 Date: August 5, 2003 Contract �Authorization Address: 450 Columbus Blvd. Hartford, CT 06103 Date tj COBRA Administrative Services Agreement (10/01) 10 EXHIBIT A CONTRACTHOLDER CHARGES Qualifying Event Notification One-Times Fees Initial setup fee $1,000 Customized cover letter $500 Ongoing Fees Qualifying Event notification $10 per standard package (regular first class mail) New Hire Notification One-Times Fees Initial setup fee $500 Ongoing Fees Per letter charge $5 per letter Direct Billing Administration (Billing and Collection) One-Times Fees Initial setup fee $2,000 Outside vendor fee $250 Enrollment fee With Qualifying Event $11 per enrollment Without Qualifying Event $22 per enrollment Restructure (after setup) price based on complexity COBRA Administrative Services Agreement (10/01) 11 Ongoing Fees Annual admin fee (not charged in 1 st year) $1,000 Direct billing fee $7 per bill QUALIFIED BENEFICIARY CHARGE On-Going Service 2% of Premium Included in Qualified (credited against Contra ctholder's annual fee bill) Beneficiary billing rate COBRA Administrative Services Agreement (10/01) 12 City of Fort Worth, Texas Mayorand Council Comm u n ication DATEREFERENCE NUMBER LOG NAME PAGE 3/4/03 I C-19505 14UHC 1 of 2 SUBJECT CONTRACT RENEWAL WITH UNITEDHEALTHCARE INSURANCE COMPANY RECOMMENDATION: It is recommended that the City Council authorize the City Manager to renew the contract with UnitedHealthcare Insurance Company (UHC) for administration for the City's self-funded group medical benefits program (including COBRA and Stop-Loss Insurance) effective January 1, 2003, through December 31, 2003, at the unit pricing listed below. DISCUSSION: UHC has been the administrator of the medical benefits for the City of Fort Worth since October 1, 2001, for group medical coverage for employees, retirees, and eligible dependents. The contract with UHC provides for additional agreement periods unless terminated. On April 17, 2001 (M&C C-18560), the City Council approved a contract with UHC for the period October 1, 2001, through December 31, 2002, with two additional 12-month extensions. It is the recommendation of City staff and the Health Benefit Advisory Committee that the City renew the contract with UHC for an additional twelve months,from January 1,2003,to December 31,2003, at the pricing listed below. A. Administration of benefits • $34.17 per subscriber per month, for the period of January 1, 2003,through March 31, 2003; and • $33.26 per subscriber per month, for the period of April 1, 2003,through December 31, 2003. The reduction in administrative fees effective January 1,2003, is due to the City providing standard benefit plans offered through UHC. The reduction effective April 1, 2003, is due to the cancellation of the NurseLine service, for which the City has paid $0.91 per subscriber per month. NurseLine provides 2417 access via telephone to registered.nurses. Only.5% of the covered members have utilized NurseLine, even after extensive marketing efforts. The.Health Benefit Advisory Committee recommends that self-referral medical guides be provided to members as an alternate method of encouraging members to be proactive in their health care. The purchase of self-referral medical guides will be cost neutral 'rf the NurseLine service is cancelled. B. Stop-loss Insurance 15/15 - • Specific, at $200,000.00 at $12.97 per subscriber per month; and • Aggregate at 125% of expected claims, at$1.11 per subscriber per month. The cost increase for the specific Stop-Loss Insurance was anticipated due to today's market and in light of the City's experience in 2002. While the cost increase is about $440,000.00 per year, it is a prudent investment considering the anticipated reimbursement. The City received reimbursements through the specific Stop-Loss Insurance of approximately$1.3 million during the 2001-2002 Plan Year that commenced October 1, 2001, and it is anticipated that a similar level of reimbursement will be received in 2002-2003. C. COBRA Administration • Enrollment fee (with qualifying event) - $11 per enrollment • Enrollment fee (without qualifying event) - $22 per enrollment City of Fort Worth, Texas Mayor and Council Communication DATE REFERENCE NUMBER LOG NAMEPAGE 3/4/03 C-19505 14UHC 2 of 2 SUBJECT CONTRACT RENEWAL WITH UNITEDHEALTHCARE INSURANCE COMPANY • Annual administration fee (subject to adjustment) - $1,000 • Direct billing fee - $7 per bill A summary of the cost increases for administrative expenses, specific Stop-Loss and aggregate Stop Loss is provided below: Current Current Proposed Proposed Decrease/ Rates Costs Rates Costs Increase Administrative Expenses January-December 2002 $34.37 $2,983,179 January-March 2003 -0- $ 34.17 $ 741,455 -0- April-December 2003 -0- $ 33.26 $2,165,126 -0- Total Annual Cost $2,983,179 $2,906,581 ($ 76,598) Specific Stop Loss $ 7.85 $ 681,349 $ 12.97 $1,125,744 $444,396 Aggregate $ 0.91 $ 78,984 $ 1.11 $ 96,344 17,359 Total $3,743,512 $4,128,669 $385,157 The proposed 12-month cost for the contract period beginning January 1, 2003, to December 31, 2003, is $4.1 million. However the 9-month cost for the remainder of Fiscal Year 2002-2003, beginning January 1, 2003, to September 30, 2003, is $3.1 million. FISCAL INFORMATION/CERTIFICATION: The Finance Director certifies that funds are available in the current operating budget, as appropriated, of the Group Health and Life Insurance Fund. CB :r Submitted for City Manager's FUND ACCOUNT CENTER AMOUNT CITY SECRETARY Office by: (to) Charles Boswell 6183 Originating Department Head: Linda Cobb 7783 (from) APPROVED 3/4/03 FE85 534830 0148520 $1,488,028.83 Additional Information Contact: FE85 534840 0148520 $ 573,961.41 FE85 534850 0148520 $ 49,120.83 FE85 534830 0148520 $ 700,983.72 FE85 534840 0148520 $ 270,346.88 Linda Cobb 7783 FE85 534850 0148520 $ 23,136.84