Specifications include, but are not limited to: All covered personnel are full time employees and early retirees of St Joseph Transit, Inc. The intent is to create a "No loss/No gain" situation whereby no one will be penalized because of a change in carriers. Benefits should duplicate as closely as possible those in the current PPO plan design which is provided by Cigna. Alternative plans will be considered. All full-time employees are eligible. There are 49 eligible for insurance coverages. Approximately: 14 Employee Only 8 Employee + Spouse 6 Employee + Children 7 Family 7 Waive Coverage (have coverage under a different plan) 8 Not Eligible 50 Full Time Employees 5 Early Retirees 2 Early Retirees + Spouse 57 Full Time Employees and Early Retirees.