HomeMy WebLinkAboutInsurance Committee Minutes 06.08.2005Present:
Guests:
MINUTES
]2qSURANCE COMMITTEE
June 8, 2005 5:00 pm
Council Chambers
Guy Kolisor~ Chairman
Bud Arnold
Cheryll Lund
Mary Embleton
Dave Allen, Western States
Mike Zuhoski
Kurt Markegard
Jason Wells (arrived approx. 6:00 pm)
Sheliy Wherley, BCBS
Dave Allen ~and Shelly Wherley spoke to the gronp in regards to a Blue Choice Plan with 80/20 benefits.
Dave and Sh~lly explained that the Blue Choice 80/20 plan is a drop in benefits, but it also has a lower
price. The main advantages with going to this plan would be that the employee can keep his Primary
Care Physician and the co-pay would be only $10 each visit; and, if you stay within the network of
doctors no referral is necessary and every doctor visit has a $10 co-pay·
A disadvantage to the Blue Choice 80/20 plan is the higher cost of a hospital stay. At this time each
hospital stay is $500. With the Blue Choice 80/20 Plan A if an employee were to be hospitalized they
would have to pay 20% of the cost of the hospital. Il'the doctors that are treating the employee in the
hospital were network doctors then the employee would only pay $10 for each doctor visit.
Dave and Shelly both stated that the plan the city employees have now, Blue Select, is the Cadillac of
health insurance plans.
After Dave and Shelly reviewed the quote for the Blue Choice 80/20 plan they discovered that the
prescription benefit had been quoted with a $100 deductible with co-pays of $8/$25/$50, which is not
what was asked for. With the current policy there is $0 deductible and the co-pays are $10/$20/$40.
Shelly stated that she thought the new quote, with the correct deductibles could come back as much as
3.1% higher. She will get the quote with the correct figures and send it to the committee on June 9,
2005.
Dave pointed out to the committee that the quote for Blue Select is just for the health insurance portion
of the policy; the vision and dental were quoted separately. (attached)
After a discussion by the committee, a motion was made by Mike Zuhoski, and seconded by Bud Arnold
that the committee recommends remaining with the current Blue Select Plan, with the option of going
with the Blue Choice 80/20 Plan depending on union negotiations. Motion carried.
The committee discussed employee complaints regarding having difficulties getting any information
from the Western States representative.
After a lengthy discussion a motion was made by Mike Zuhoski, seconded by Bud Arnold, to request
and recommend that Miak Difronzo, ofDifronzo & Co, take Dave Allen' s place as contact. IfMick is
unavailable to take the job then it is recommended that the contact be MMIA or Legacy directly.
Motion carried.
The committee discussed the "caps" that the City put on the employees health insurance plans. The
committee suggested that the caps be .spread out more evenly throughout all of the categories (4) of the
plan.
The meeting was adjourned at 6:15 pm.
Respectfully submitted,'
Cheryl1 Lund, Secretary:
2
Renewal Confirmation for: .
Medical Benefit Plan:
Renewal Date:
City of Laurel
Blue Select
July 1, 2005
3alendar Year Deductible(s)
N/A
Annual Out-of-Pocket Maximum $2,000 ~ $4,000
Lifetime Maxihmm
Room, Board & support Services
(pdor authorization required)
Inpatient Hospital
Ambulatory Surgery Center
Emergency Room
Accident Benefit
urgeon & Anesthetist
Office Visits
Physician Services
Children's Preventative Care
$5,000,000
100% - $500 Copay
$30 Copay
$75 Copay
Not listed
$30 Copay
$25 Copay
$25 Copay
$25 Copay
Routine Exam Employee & Spouse $25 Copay
Diagnostic X-Ray & Lab 100%
Durable Medical Equipment
Ambulance
100% up to $4,000
Substance .Abase
Inpatient Hospital
$50 Copay
Home Health Care
(prior authorization required) 100% ~ 180 visits
Chiropractic Services $25 Copay -- 30 visits
Infertility Services Not Covered
$500 Copay - 21 days
Inpatient/Ou~atient Professional ~ Mental
$30 - 40 visits
Inpatient/Outpatient Professional ~ Substance Abuse
Retail Genedc Rx Co-pay
Retail Brand Formulary Rx Co-pay $20
Retail Non Formulary Brand Co-pay $40
$30 Copay
$10
Drugs fortreatmenl Not Covered
Rates
nployee $414.55
mployee& Spouse
Employee & Child
Employee & Family $1,054.79
Medicare Single $234.29
2Pady Medicare $468.58
Prepared by ~rMZ4
... P.~v: 3/31/2005
Renewal Confirmation for: City of Laurel
Benefit Plan: Blue Select Dental
Renewal Date: July 1, 2005
This Document is a Summary of Coverage Only. The BCBSMT Plan Document
ruu~t be referenced for details of all coverages.
Diagnostic & Preventive - no deductible 80%
Basic Restorations 80%
Major Restoration 50%
Orthodontic ~ Child (ran) under 19 50%
Calendar Year - Individual $25
Calendar Year ~ Family $50
Calendar Year ~ }ndivdiual $1.500
Orthodontic- Lifetime $1.000
Employee $22.77
Employee & Spouse $45.54
Employee & Child(ran) $40.17
Employee & Family $66.12
Non-Participating Provider Coinsurance is 10%
Prior Authorization may be required. It is important to call BCBSMT
to determine which services require prior au~horiziafion.
Prepared by MMIA - Rev. 3/3112005
Renewal Confirmation for: City of Laurel
Benefit Pla'n: BCBS Vision Plan
Renewal Date: July 1, 2005
This Document is a Summary of Coverage Only. The BCBSMT
P!an document must be referenced for details of all coverages.
Examination $48
Frames $50
Single Vison Lenses $72
Lined Bifocial Lenses $136
Lined Tdfocial Lenses $92
Lenticular $320
Contacts $98
Contracts when Acuity cannot be $320
made 20/70 or better with lenses
Coinsurance 100%
Exams 12 Months
Lenses/Contact Lenses 12 Months
Frames 12 Months
Employee $6.60
Employee & Spouse $14,85
Employee & Child(ren) $13.32
Employee & Family $21.48
Prepared by MMIA - Rev. 3/31/2005