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Home My WebLink AboutInsurance Committee Minutes 05.10.2016 May 10, 2016 Insurance Committee Meeting Present: Heidi Jensen,Shirley Ewan, Cheryl) Lund, Monica Salo, Roy Voss,Jason Wells,Tom Nelson and Bruce McGee. Absent: Stan Langve Guests: Dave Allen, Sheri Phillips Chair Heidi Jensen called the meeting to order at 1:35 p.m. No Public Comment Dave Allen. 2016 Insurance BCBS Options and Health Assessment Forms: Dave provided BCBS options with rates. He also provided MMIA quotes but they are quite expensive and require a 5 year commitment. Vision (VSP), no policy changes, no rate increase Delta Dental, no increase but is waiting to hear if we can be put in to the small business participant which will reduce our rate by approximately$10.00/mo. Blue Cross Blue Shield, Dave reported our rate increase for same coverage, same deductible as we currently have, will be 16.29%. Dave was also able to negotiate a second option of 9.9% increase, changes would be: raise the OOP deductible to$2500, prescription deductible for non-generic to $100. Reference attached. There was a lot of discussion about this renewal and getting other quotes. Jason Wells spoke of a State Law requiring 2/3 employee vote to authorize change. He can provide specifics at a later time. Jason also reminded that at the February meeting the committee voted to look at other companies. What good is the committee if we don't have any bearing on what the city council proceeds with? Heidi spoke about keeping high quality insurance vs. a lower priced/grade insurance. She has also spoke to Sam Painter, City Attorney, who said that the insurance committee makes the recommendation to the council but ultimately it is up to the council. Heidi says the committee is meant to be educational. Roy Voss read the Insurance Committee Resolution. i Tom Nelson made the motion to take Plan C to City Council. Discussion about February's previous motion to look at other insurance besides BCBS and options. Tom rescinded his motion. Heidi said she can get the Health Statement request placed on council workshop (5/10)to move forward to council meeting agenda (5/17). If approved, our window to have them filled out and returned to Dave would be May 18th—20th. Dave said he could provide a secure website if employees wanted to submit that way. Dave was also able to get Pacific Source and Assoc. employers to use one universal health statement, only 2 pages long. Jason asked about selecting a co-chair since Shovar is no longer on the committee. Heidi said that this isn't necessarily done ahead of time, was meant for when she knew she would not be present at meetings. Dave was also able to get Pacific Source and Assoc, employers to use one universal health statement,only 2 pages long. Dave really likes the people at Pacific Source,they provide a good service, and the only drawback Is that we would be required to use Billings Clinic and their doctors and services. Adjourned at 2:43 p.m. Next Meeting will be May 24. 2016 at 1:30 a.m. Respectfully submitted, Monica Salo City of Laurel 1 I 11 A 1 B 1 C 1 D I E F 7-1-16-renewal 1; 1 BCBS of MT BCBS of MT I BCBS of MT f Pacific 'Associated MMIA HIGH OPTION CURRENT RENEWAL Dual Option 1 Source Employers Bridger In Network benefits illustrated BI. Dimensions Bl. Dimensions 81.Dimensions ` Plan OV Copay $ 25.00 $ 25.00 1 $ 25.00 ` Deductible $ 500.00_ $ 500.00 $ 1,000.00 1 1 Coinsurance 80/201 80/20 80/20 80/20 OOP Max. $ 2,000.00 i $ 2,000.00 - $ 2,500.00 RX deduct. $ 50.00 I $ 50.00 $ 100.00 RX copays $10/$40/60% $10/$40/60% $10/$40/60% r EE Only $ 714.00 $ 830.38 $ 784.69 ' D 919.53 t,4w - ES w Spouse $ 1,584.00 $ 1 842.19 $ 1,740.82 I C 1839.07 -- + -qZ. __- - - ��! tlb 1608.38 EC w Ch. $ 1,136.00 $ -13,21.17 $ 1,248.46 ; - I t,t,- { EF w Family $ 1,820.00 , $ 2,116.66 $ 2,000.18 '%'ta 2527.31 Medicare 1 $ 400.00 $ 465.20 $ 439.60 I Medicare 2 $ 799.00 $ 944$2 87 e ..9 9.90% LOW OPTION ', ;;CURRENT 'a•RENEWAL . BCBS ofMT Pacific Associated Madison In Network benefiits,ill'ustrated SI Dimensions 81 Dimensions Bt. Dimensions Source 1 Employers Plan OV CPpay $ 35.001 $ 35.00 1, $ 35.00 l I Deductible $ 1,000.00 ' $ 1,000.00 t $ 1,500.00 , - Coinsurance 70/30 70/30 70/30' 70/30 OOP!Max. + $ 3,000.00 $ 3,000.00 $ 3,500.00 RX deduct $ 50.00 $ 50.00 $ 100.00 - - G l RX copayS o $10/$40/60% $lo/$ao/6a/° $10/$40/60% EE Daly $ 671.00 $ 780.37 $ 737.43 : di 888.27 ES W.Spouse $ 1,489.00 $1,731.71 1 $ 1,636.41 I tr% ! 1776.541 - Wg3 • ! ECw.Ch � $ 1,066.00 $t31 239.76 1 $ 1471.53 � Aa 1554.48 EFw Family ' $ 1,710.00- $ `n, 8.73 $ 1,879.29 10 2442.751 Medicare 1 $ 376.00 4 $ 437.29 ' $ 413.22 Medicare 2 $ 752.00 $ 874.58 $ 826.45 '1 < 16.29%; 9.90%� - Notes: ! ' 1 1 Minimum 1 I- perfectly y NOTES: While every attempt has been made to be erfectl accurate,lJ '.possible rate p the possibility exists that�15 year !could have occurred in transcription or calculation.Sincerely, Dave Allen 1 ; commitmen BLUE DIMENSIONS FIRST DOLLAR COVERAGES DEDUCTIBLE DOES NOT APPLY TO FOLLOWING BENEFITS OVC APPLIES IF DONE PLACE OF SERVICE BILLED IS OFFICE or URGENT CARE: --CO-INSURANCE APPLIES IF DONE PLACE OF SERVICE OTHER THAN OFFICE or URGENT CARE: EXAMPLES: PARTICIPATING INDEPENDENT LAB; MRI CENTER; OUT-PATIENT FACILITIES WITH DX&L AGREEMENTS LIKE St Vincent's Hospital& Billings Clinic Hospital; IN-NETWORK PROFESSIONAL PROVIDER SERVICES • ABA Therapy • Chemical Dependency Treatment • Chiropractic Services • Diagnostic Services • Education Services • Hospital—Outpatient • Mental Illness • Newborn Initial Care • Office Visits • Severe Mental Illness • Surgery Center Services—Outpatient • Therapies—Outpatient IN-NETWORK and OUT-OF NETWORK SERVICES • Diabetic Education—Outpatient(15` $250) • Emergency Room Care • Hospice • Mammograms—Out-of-Network Routine—15`$70 • Preventive Health Care—In-Network only • Urgent • Well Child Care CO-INSURANCE DOES NOT APPLY TO THE FOLLOWING BENEFITS: • Accident—In-Network • Diabetic Education—Outpatient (1s4 $250) In and Out of Network • Hospice - In and Out of Network • Routine Mammograms- In Network; Out-of-Network(1st$70) • Diagnostic Mammograms- In Network only • Preventive Health Care- In Network only • Well Child Care - In Network only Deductible aootles to the following tvoes of services DME- Professional In/Out Network Home Health Hospital—Inpatient Professional Services Hospital - Outpatient and Inpatient Facility Services ** Maternity—Professional In/out Network Maternity- Facility Services Prosthetics Rehabilitation Therapy-Professional In/out Network Transplants- Professional In/out Network Exceptions on Outpatient Hospital—Diagnostic Lab&X-Ray Services—including Cat-Scans—if the facility in Montana participates with a Diagnostic Lab&X-Ray contract—then deductible is waived on these services { , i , I, II DELTA DENTAL' I Group: city of Laurel Date of Quote- 05,09!2J16 County: ‘rellstor e Broker: Allen 8,Associates Effective Date: 07 01:2C16 SIC Code 9199 i I Poor Coverage: yos t NW State/ZIP: MT 591 Group Size l'akeoveri Plans Plan A Plan A Plan/Fee Basis* PPO in/MPA out PPO in MPA out Diagnostic&Preventive 100% 100% Basic 80% 80% Major 50% 50% Endo/Perin Basic Basi,..... Oral Surgery Basic Basic Deductible $50/$150 550/5150 waived on D&P Yes Yes ...Ai Annual Max $1,500 $1,500 waived on D&P Yes Yes tQif tr.' Child Ortho Life Benefit 50°/0 to$1,500 50%to$1,500 Contribution 75%to 100% 50%to 74.9% . iE 1-14'11 CIO Waiting Period** none none iq' „, "--:,:'"'"'.'---2.T"-„I., --2-- -',' ' -•:- ---',... -...':' -...,',,, -:-. -,-1 ,.„.'' ' .-: .' :--- , .,-, '. -.- .-',,- ' €,.. ..:-', Enrollee $35.12 $37,30 . Enrollee+Family $91.66 $93,83 t( . . -;;":"'''.74:17;.,-. ''''-;2?•;J,;,•',2'...::- ;.'''''':::',:-:::... i:,:jet..;1:',442:2',.. ."''',''....-*';','...'1,'''',',--'-''.';:':-''''',;'..,'„:',., ' :'„'-:',,,,','',7, -' '. ''''',,,,,''' ''' :. „ ''''C',,',.,,I, _ ,.._ . ::, ,,' Enrollee $35.12 $37.30 ;., Enrollee+1 $65.16 $57,34 . ' Enrollee+2 or more $110.00 $112.17 Enrollee $35.12 $37 30 ----- . ,.., Enrollee+spouse $66.51 $68.68 Enrollee+Child(ren) $69.99 $72 16 Enrollee,Sp&Children $112.10 $114.28 Group Number MT-15937-51613 MT-15937-51611 -*--;— .,.. :,. • t1eu"Products Quoted"page for explanation. **Waiting Period 011.1 Cs to the voluntary plans only.For Vol 1 &Vol 2 plans,a..ippltes to major'and orthodontic servtces if covered.Fat Vol 1 pl,„-i z .- appltes Icertdo,pen°,oral surgery.major and orthodontic services if covered.The waiting per,od is waived for all el-tployees with continito...c Coverage Linder this employer's prior comprehensive dental plan, Ii ff This proposal is for informational purposes only and is not a contract,Rates quoted are based on the information provided at the tinle the quotation was released Rates are not valid unless accompanied by plan benefits and limitations an exclusions Rates quoted ore for a one-year corltract period . . _ . . ., . . . .. . /,' ..,....), . 1.:,:',„;,,.!,-',:f..;;..2,,T.,..?: ,,.• -;,,,,!7,ifffs,;':'';`,T.,, ,,,,r,i',,,,,:i.':-;41---,*.",,,,,,;-'' _,„,";..-,'‘ . ,,,,,,,-...-''-,..._ ', „ ',"''', ,'` ' ,• ; " - ' - , ' ' "--", ','.,,:,::.."1:::;4::',!,:':::_'.._ : 1•, ,..„.".,,--,'".:''', ,''-'-'-_•:-:,,,, ''''''' ''..-',..''''''':-,,„:' ..-‘1;;;;-'4-.,'' ',...,- ,' ' '''''''',.' 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PaYk'.!11 i P,i .c 3 0 r S 411/01000/011/00PROPiliPiNi..9., a DELTA DENTAL' Group: City of Laurel Date of Quote: 05/09/2016 County: Yellowstone Broker: Allen&Associates Effective bate: 07/01/2016 SIC Code: 9199 Prior Coverage: Yes State/ZIP: MT 591 Group Size: 60 (Takeover) Plans Plan A Plan A Plan/Fee Basis* PPO in/MPA out PPO in/MPA out Diagnostic&Preventive 100% 100% Basic 80% 80% Major 50% 50% Endo/Perio Basic Basic Oral Surgery Basic Basic Deductible $50/$150 $50/$150 waived on D&P Yes Yes Annual Max $1,500 $1,500 waived on D&P Yes Yes Child Ortho Life Benefit 50%to$1,500 50%to$1,500 Contribution 75%to 100% 50%to 74.9% Waiting Period" none none • Enrollee $35.12 $37.30 Enrollee+Family $91.66 $93.83 L+: Enrollee $35.12 $37.30 Enrollee+1 $65.16 $67.34 Enrollee+2 or more $110.00 $112.17 Enrollee $35.12 $37.30 Enrollee+Spouse $66.51 $68.68 Enrollee+Child(ren) $69.99 $72.16 Enrollee,Sp&Children $112.10 $114.28 Group Number MT-15937-51613 MT-15937-51611 • • See"Products Quoted"page for explanation. .~-�^_��-..,,��~•��-»...M.-v,�w�.a..p-'��w��u��u- "W�"'�._ • Waiting period applies to the voluntary plans only.For Vol 1&Vol 2 plans,it applies to major and orthodontic services if covered.For Vol 3 plans,it applies to endo,perio,oral surgery,major and orthodontic services if covered.The waiting period is waived for all employees with continuous coverage under this employer's prior comprehensive dental plan. Informational Purposes This proposal is for informational purposes only and is not a contract.Rates quoted are based on the information provided at the time the quotation was released.Rates are not valid unless accompanied by plan benefits and limitations and exclusions.Rates quoted are for a one-year contract period. t ,, £ fl % f�5 C6) t 75, So Proposal Page 3 of 8