HomeMy WebLinkAboutDocumentation_Regular_Tab 08_08/13/2015 i
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Memo
To: Michael R Couzzo, Jr., Village Manager
From: Merlene Reid, HR Director
Dafie: J u ly 31, 2015
Re: Health and Dental Insurance 2015/16
Blue Cross Blue Shield released the Village's experience in early July 2015 with proposed
increases of 19.9% to retain current benefits for the traditional plan and 17.8% for the High
Deductible plan. The steep increase was mainly attributed to significantly high claims
experience over the past year due mostly to preterm infants and a few long-term substantial
diagnoses. Subsequent negotiations retumed a reduction to 17.6% (traditional) and 15.5%
(HDHP) respectively.
The Benefits committee met on July 16 and directed our brokers to negotiate further with
• BCBS to take the increase down to 15% in line with the Village's proposed budget, with no
plan changes. They were able to negotiate a 15.3% increase for the traditional plan and a
13.3% increase for the HDHP. The attached cost evaluation is based on the number of
employees at July 16, 2015 and their current choice of plans (familyrndividual). These
changes will result in increased costs to the BCBS plan of $128,806 (traditional) and $5,837
(HDHP), with the Village continuing to contribute 75% of premiums to employees with
dependents. These numbers also include 3 retirees and 2 Council members who are
responsible for paying the full premium. Effective October 1, 2015, the CWA contract also
requires their members to share 50% of any increases over and above the 2014/15 premiums.
MetLife which currently covers our employees' dental needs have made no changes to the
dental premiums.
HR is therefore requesting that the following recommendations be accepted:
1. The health insurance be renewed with BCBS, and
2. The dental insurance be renewed with MetLife.
•
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Viilage of Tequesta (��IIRING �GROUP
1NSUP�H<E BPONEpS I i COHSULTAHTS
Dental Renewal Evaluation
Effective Date: October 1, 2015
�.' Alternative #1
� . .. . . -.
� •
�. .• �- .� . �_ .� .
Plan Basics In Network Non Network In Network Non Network In Network Non Network
Calendar Year Maximum $1,500 $1,500 $1,500
Deductibles
Singie $25 $SO $25 $50 $25 $SO
Family Maximum $75 $150 $75 $150 $75 $150
Deductible Waived for Preventative Svcs Yes No Yes No Yes No
Be�efits
Preventative 100% 100% 100% 100% 100% 100%
Basic 100% 80% 100% 80% 100°/o 80%
MdjOr 60% 50% 60% 50% 60% SO%
hodontia 50% 50% 50% 50�0 50%o 50°/a
Service Infarmation
Out of Network Benefits Payable Level 90th percentile 90th percentile s� i �:
Benefits Waiting Period (Timely Entrants) None None None
Orthodontia Lifetime Maximum $1,000 $1,000 $1,000
Endodontics/Periodontics Payable Level Basic Basic Basic
Rate Guarantee Expires 9/30/2015 12 Mo�ths 12 Months
Premium per Month
Employee 57 $38.67 $38.67 $36.93
Employee + Family 35 $104.38 $104.38 $99.67
Monthly Premium $5,857.44 $5,857.A9 $5,543.46
al Premium $7a,289.88 $70,289.88 $67,121.52
$In::rease N/A 50.00 -$3,168.36
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