HomeMy WebLinkAbout2002 08 05 Other - Documents were Discussed at Workshop
Date: 08052002
The following Documents were discussed during
the 8/5/2002 Worl(shop.
I
City of Winter Springs
I
Memo
To: Mayor and City Commissioners
From: Ronald W. McLemore
Date: 08/05/02
Re: Health Insurance
Our current health insurance rates with Humana expire September 30, 2002. Humana desires to
increase our rates for our current plan 39%.
Our agent has sent out Request for Bids to the carriers on our behalf in an effort to obtain lower rates.
Requests were sent to: Aetna, AvMed, Cigna, BCCBS, United Healthcare, Nationwide Trust and PRM
Health Trust along with Humana. The 5 major carriers declined to bid due to our medical conditions.
Nationwide Trust did quote; however, the rates were comparable to the various ones quoted by
Humana. The other Trust did not respond. Declinations attached.
Humana provided our agent with a number of different plans as shown on the attached legal size
worksheet. This worksheet was prepared by our agent. I have reviewed the various plans and submit 3
for your consideration: the current HMO plan, HM07501 and HM07502B. The plans descend in terms
of "richness" and accordingly, cost.
Included for each of the 3 plans under consideration is another spreadsheet (one each) that relays the
various cost increases to the City and the Employee for various "Options" und.er each of the plans.
There are 5 Funding Options presented for each plan:
. the City absorbs the total increase over the current rates,
. the Employee absorbs the increase,
;'
. the City pays 100% of the Employee and maintains the current cost sharing % breakdown for the
dependent coverage's,
. the City pays 100% of the Employee coverage and participates in a 50% cost sharing of the
premium for the other coverage types and lastly,
. the City pays 100% of the employee coverage for each type of coverage (the dependent
coverage's are paid in total by the employee)
The City currently cost shares in that it subsidizes, in part, the cost of the employees dependent care
coverage. The City is currently bearing a larger % of the total premium for those employees with
dependent care coverage than the employees are bearing themselves. Consideration should be given
. Page 1
,~~
to at least moving towards an equal sharing in the premium for coverage types other than employee
only or moving towards the employee covering the cost of dependent care coverage entirely.
As an example, Option #4 HMO 75028 results in an equal cost sharing of the premium. This
represents a cost to the City of $888,243/year or a 21 % increase. An employee wi a child or a spouse
would incur approximately $116 more in expense per month or 53% ($1,392/year); whereas, an
employee with family coverage would incur approximately $111 more in expense per month or 43%
($1,331/year).
The current cost of the health insurance plan is approximately $735,000 a year. The recommended
budget for fiscal year 2003 included an anticipated increase in health insurance. Approximately
$905,000 is included in the budget for health insurance alone or an additional $170,000 above what is
currently being paid.
. Page 2
City of Winter Springs
Quote Listing 2002
Medical
Company Action
Aetna Declined
AvMed Declined
Cigna Declined
BCBS Declined
United Healthcare Declined
Nationwide Trust Quoted
PRM Health Trust No Response
JUL-26-2002 17:02
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HUMANA COMMERCIAL SLS/ORL
407 661 '6063 P.02/02
City of Winter Springs Renewals and Alternates
Renewal Rates HMO. Option 22(RX3)
EE EE + I EE.;. CH Family
$310.42 $742.14 $742.14 $812.84
40% Increase
Renewal Rates POS Option 41 (RX3)
. . EE EE + 1 EE + CH Family
$331.41 $792.29 $792.29 $867.69
40% Increase
~
Renewal Rates POS o.ption 41 (RX4)
EE EE.+ 1 BE + CH Family
29.88 $788.64 $788.64 $863.69
39.3% Increase
Renewal Rates HMO Option 22(RX4)
EE EE + I EE + CH Family
$308.89 $738.49 $738.49 $808.84
39.3% Increase
Renewal Rates "EPO" Option 80-003(RX4)
EE EE + I EE + CH family.
$260.78 $623.47 $623.47 $682.87
17.6% lncrease(from HMO.)
Renewal Rates POS Option 42(RX4)
EE EE + I EE + CH Family
$322.09 $770.04 $770.04 $843.39
36% Increase
Renewal Rates "EPO" Option 80-002(RX4)
EE cl:: + 1 EE + CH Family
$297.02 $710.10 $710.10 $777.76
34% Increase(from HMO.) .'
Renewal Rates HMO. Option 75-01(RX4)
$5/I 5/35/1 00-RX4
EE EE + I EE + CH Family
$298.02 $712.52. $712.52 $780.40
34.5% Increase
Renewal Rates HMO Option 75-02
$5/15/35/IOO-RX4. .
EE EE + I EE + CH Family
$291.32 $696.50 $696.50 ~762.85
3 1 % Increase
Renewal Rates HMO. Option 75-02
.$10/25/50/100-RX4
EE EE + I EE -j. CH Family
$282.16 $674.59 $674.59 $738.86
27.3% Increase
TnTClI P or:>
l' Aetna"
Aetna
385 Douglas Avenue
Suite 3350 .
Altamonte SPrings, FL 32714.
Michael R. Share
Senior Account Executive
(407) 618-2470
Fax: (407)618-2514
E-mail: ShareM@aetna.com
. ~. .
July 29,2002
Mrs. Fluffy Bellus
Bellus Insurance Services, Inc.
PO Box 1820
Winter Park, Florida 32790
Re: City of Winter Springs
Dear Fluffy,
We have received your request for a proposal on the above named prospect.
Aetna uses underwriting guidelines to determine whether. or not each potential prospect will be
eligible for group insurance. Based on the medical information. provided, we decline to quote on
this prospect.
Thank you for your time and consideration.
Sincerely,
~~
Michael R. Share, MBA, RHU
Senior Account Executive
MS:tr
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I~OO RIVBlPf.ACE ULVn.
SIIITE :wo
HEALTH
P l A N
JACKSONVlLI..C. FLoRIDA 32207
(904) 85~-13()() _
WATS: l-aOO-221-4184
FAX: (904) 858-1355
July 24, 2002
Ms. Fluffy Bellus
Bellus Instirance Services
Post Office Box 1820
Winter Park, Florida 32790
Re; City of Winter Springs
Dear Fluffy;
.1
Thank Y9u for the opportunity to quote on the City of Winter Springs. We must, however,
decline to quote, as our network cannot accommodate all of the employee locations. I
certainly look forward to working with .you on future cases.
Wannest regards,
~
Missy S:;:\
AvMED-THE
HEALTH IMPROVeMeNT COMPANY
JP.l1\O (9/97)
JUL.~~.~~~~ c:03PM
CIGNR HERLTHCRRE
Lee Hopper .
New Business Mapager ;
Sales .
July 29,2002
Pluffy Bellus
Bellus Insurance Sj~rvices
P.O. Box 1820
Winter Park, FL 3:~790
RE:' CITY OF 'WINTER SPRINGS
NO. 638
P.2/2
II~
CIGNA HealthCare
255 Primera Blvd
54tte 26~
Lilke Mary ilL 32746
TelepAone 407.833.3124
Fill:.i!mUc 407.833.3159
Dear Fluffy:
r regret that I am 1.l'nable to provide you with a quote for ~he aJ:)Qve-referenced group due
to current medic~l conclitions. .
I appreciate your interest in CIGNA HealthCare of Flolida and look forward to a future
opportunity to wO!d< with you.
Sincerely,
~pe~~
New Business Man.ager
LH/dd
......
AUG-01-2002 10:39
BLUE CROSS BLUE SHIELD
8535824179 P.02/02
r....
..
BlueCross BlueShield
of Florida
Health Options.
Blue Cross and Blue Shield of Florida
'and Health Options
Central Business Unit
3191 Maguire Boulevard. Suite 200
P.O. Box 149208
Orlando, FL 32814-9208
HHl'l1I OpdlU\O ltoftd '."wwnl. BlJo ero" 8M m..:-,.,..,..
td r'lcl_ .,0' W100ondol'lt I.a;an- \If lI\o 8-..0 CtO"
...,---
Tel 407-894-7200
800-545-6565
August I, 2002
Fluffy Bellus
Bellus lI!surance
P.O. Box 1820
Winter Park, FL 32790
RE: City of Winter Springs
Dear Fluffy Bellus:
Thank you for the opportunity to quote benefits for the above mentioned group.
However, this group does not meet our Underwriting Guidelines at this time, due to the
following:
On-going medical conditions
Once again, we appreciate the opportunity to quote health, life and dental benefits for you
and your clientele.
If you have any questions, please feel free to contact me at 407-228-9202.
Sincerely,
~.
Marketing Representative
GE/je
7848-001 R PS
TnTClI P iii?
AUi-OI-20~2 04:10am From-Customer Service
}
+4072453720
T-roo t'.UUI/UUI r-uuu
DnitedHealthcare
t.ID ^ vniteQHcalth Group Corl\p,mv
Decline to Quote Notification
UI)itcClHealtncare
4~J Nul\h Keller Roaa Suill~ 700 M~til3no FL 3Zl~ 1
Tel 800 899 6500
William Abrahams, Key Accounts Executive
Phone: (407) 659-6964 Fax: (407) 659-6940
Chris Abney, New Business Coordinator
Phone: (407) 659-6966 Fax: (407659-6940
e-mail: william_b_abrahams@uhc.com
e-mail: chris_m_abney@uhc.com
July 31, 2002
Fluffy Bellus
Bellus Insurance Services
P. O. Box 1820
Winter Park, Florida 32790
Fax: (407) 539-0798
Ae: City 01 Winter Springs
Dear Fluffy:
Thank you for your proposal request on City of Winter Springs. Unfortunately, after a thorough evaluation of the
information provided, our decision is to decnne to quote at this time. The reason for tI1is declination is:
. Large, ongoing medical claims prevent underwriting from providing a quote.
We appreciate being given the opportunity to review this quote and we look forward to working with your office on
future prospects. 11 you have any questions or need assistance please contact your Key Accounts Executive or your
New Business Coordinator.
[Q:Q'
William Abrahams
Key Account Executive
Revi:>cd 06/011/01
CITY OF WINTER SPRINGS
7/27/02
~
RA ES
lifetime Office Visit Prescription Out-of..pocket Hospitai Emergency Employee I I Children I
Deductible Maximum Coinsurance CODay Copay limit Admission Copay Copay SDouse Family
Current Plan I Current Rates [)
I
Humana HMO #22 NA Unlimited NA $10 $5/ $10/$25 $1500/$3000 $0 $50 $224.63 $533.00 $533.00 $583.50 D
f Renewal Rates
$310.42 $742.14 $742.14 $812.84
I
Humana HMO #22(RX4) NA Unlimited NA $10 $51 $15/ $35/ $100 $1500 / $3000 $0 l $50 $308.89 $738.49 $738.49 I $808.84
: }
Humana HMO #7501(RX4) NA Unlimited NA $10/$20 $51 $15/ $35/ $100 $1500 / $3000 $100 per day $75 $298.02 $712.52 $712.52 I $780.40
1 st 3 days per admission
Humana HMO #7502(RX4)A NA Unlimited NA $15/ $25 $51 $15/ $35/ $100 $1500 / $3000 $250 per day $75 $291.32 $696.50 $696.50 I $762.85
1 st 3 days per admission
..
{ Humana HMO #7502(RX4)B NA Unlimited NA $15/ $25 $10/ $25/ $50 / $100 $1500 / $3000 $250 per day $75 $282.16 $674.59 $674.59 I $738.86 15
1 st 3 days per admission
Humana EPO #8OO02(RX4) $250 / $750 $2,000,000 10% $20 / $30 $51$15/$35/25% $2000 / $6000 $250 per day $100/10% $297.02 $710.10 $710.10 I $777.76
1 st 5 days per a,dmission
then 10%
.
I'
Humana EPO #80003(RX4) $500 / $1500 $2,000,000 20% $20 / $30 $10/ $25/ $50 /25% $3000 / $9000 $500 per day $100/20% $260.78 $623.47 $623.47 I $682.87
1 st 7 days per ~dmission
then 20%
Current Plan Current Rates
Humana POS #41 NA-In Unlimited - In NA-In $15/ $25-ln $5/$10/$25 $1500 / $3000 -In $100 per day, 5 day max -In $50 $239.62 $568.82 $568.82 I $622.68
$400 / $800 - Out $1000000 - Out 70/3O-0ut Deduct+3O% - Out $5000 / $10000{)ut Deduct + 30% - Out Renewal Rates
$331.41 $792.29 $792.29 I $867.69
,
Humana POS #41(Rx4) NA-In Unlimited - In NA-In $15/ $25 - In $5/$15/$35/$100 $1500/ $3000 -In $100 per day, 5 day max -In $50 $329.88 $788.64 $788.64 I $863.69
$400 / $800 - Out $1000ooo - Out 70/3O-0ut Deduct+3O% - Out $5000 / $10ooo-out Deduct + 30% - Out
Humana POS #42(Rx4) NA-In Unlimited - In NA-In $15/$25-ln $5/$15/$35/$100 $1500 / $3000 - In $300 per day, 5 ~y max - In $50 $322.09 $nO.04 $nO.04 I $843.39
$400 / $800 - Out $1000000 - Out 60/40-0ut Deduct+40% - Out $5000 / $10000-0ut Deduct + 40'(, - Out
Current Rates
Humana PPO $250 / $750 $5,000,000 9O/10-ln $15-ln $51$10/$25 $1000 / $2000 - In Deduct + 10% - Out Deduct + 10% +$501 $292.49 $698.24 $698.24 I $764.64
70/3O-0ut Deduct + 30% - In $2000 / $4000 - Out Deduct + 30% - Out Deduct + 30% - Out Renewal Rates
$409.48 $977.55 $977.55 I $1,070.51
Nationwide Public Trust NA-In NA-In $15/$25-ln $10/$20/$30 $1500/ $3000 -In $100 per day, 5 day max -In $50 $325.93 $779.18 $779.18 I $853.13
(2yr rate & benefit guarentee) $400 / $800 - Out $1,000,000 70 /30 - Out Deduct+3O% - Out $5000 / $10000{)ut Deduct + 30% - Out 70% after $150
copay per visit
Nationwide Public Trust NA-In NA-In $10-ln $10/$20/$30 $1500 / $3000 - In $01 $50 $352.00 $841.51 $841.51 I $921.38
(2yr rate & benefit guarentee) $400 / $800 - Out $1,000,000 70 /30 - Out Deduct+ 30% - Out $5000 / $10000-0ut Deduct + 300/, - Out 70% after $150
copay per visit
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CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS - RENEW CURRENT PLAN HUMANA HMO #22
08/05/2002
MONTHLY PER EMPLOYEE
ANNUAL PER EMPLOYEE
ANNUAL EXPENSE
CATEGORIES
#
EMPLOYEES
CITY
~
%
2f..!HmI
EMPLOYEE % TOTAL
~ l!fJ!r.Qm PREMIUM
CITY
fAY~
EMPLOYEE
PAYS
TOTAL
PREMIUM
CITY
PAYS
EMPLOYEE
~
TOTAL
PREMIUM
CURRENT PLAN + RATES
EMPLOYEE 180 $224.63 100.00% $0.00 0.00% $224.63 $2,695.56 $0.00 $2,695.56 $485,200.80 $0.00 $485.200.80
EMPLOYEE + CHILD 8 $312.Q1 58.54% $220.99 41.46% $533.00 $3,744.12 $2.651.88 $6.396.00 $29.952.96 $21.215.04 $51.168.00
EMPLOYEE + SPOUSE 16 $312.50 58.63% $220.50 41.37% $533.00 $3.750.00 $2,646.00 $6,396.00 $60.000.00 $42.336.00 $102,336.00
FAMILY 41 $325.54 55.79% $257.96 44.21% $583.50 $3.906.48 $3.095.52 $7.002.00 $160165.68 $126.916.32 $287082.00
245 $735319.44 $190467.36 $925 786.80
OPTION #1
RENEW CURRENT PLAN
CITY ABSORBS INCREASE
EMPLOYEE 180 $310.42 100.00% $0.00 0.00% $310.42 $3.725.04 $0.00 $3.725.04 $670.507.20 $0.00 $670,507.20
EMPLOYEE + CHILD 8 $521.15 70.22% $220.99 29.78% $742.14 $6.253.80 $2.651.88 $8.905.68 $50,030.40 $21.215.04 $71,245.44
EMPLOYEE + SPOUSE 16 $521.64 70.29% $220.50 29.71% $742.14 $6.259.68 $2,646.00 $8,905.68 $100.154.88 $42.336.00 $142.490.88
FAMILY 41 $554.88 68.26% $257.96 31.74% $812.84 $6.658.56 $3,095.52 $9,754.08 $273000.96 $126.916.32 $399 917.28
245 $1,093.693.44 $190,467.36 $1,284.160.80
$358.374.00 $0 $358.374.00
49% 0% 39%
increase increase increase
OPTION #2
RENEW CURRENT PLAN
EMPLOYEE ABSORBS INCREASE
EMPLOYEE 180 $224.63 72.36% $85.79 27.64% $310.42 $2,695.56 $1.029.48 $3.725.04 $485.200.80 $185.306.40 $670,507.20
EMPLOYEE + CHILD 8 $312.Q1 42.04% $430.13 57.96% $742.14 $3.744.12 $5.161.56 $8.905.68 $29.952.96 $41.292.48 $71,245.44
EMPLOYEE + SPOUSE 16 $312.50 42.11% $429.64 57.89% $742.14 $3.750.00 $5.155.68 $8,905.68 $60.000.00 $82,490.88 $142,490.88
FAMILY 41 $325.54 40.05% $487.30 59.95% $812.84 $3.906.48 $5.847.60 $9.754.08 $160.165.68 $239751.60 $399917.28
245 $735.319.44 $548.841.36 $1.284,160.80
$0 $358.374.00 $358.374.00
0% 188% 39%
increase increase increase
OPTION #3
RENEW CURRENT PLAN
CITY PAYS 100% FOR EMPLOYEE ONLY-
AND MAINTAINS SAME PERCENTAGE
SHARE OF DEPENDENT COVERAGE AS
CURRENTLY BEARING
EMPLOYEE 180 $310.42 100.00% $0.00 0.00% $310.42 $3.725.04 $0.00 $3.725.04 $670,507.20 $0.00 $670.507.20
EMPLOYEE + CHILD 8 $434.45 58.54% $307.69 41.46% $742.14 $5,213.39 $3.692.29 $8.905.68 $41,707.08 $29,538.36 $71,245.44
EMPLOYEE + SPOUSE 16 $435.12 58.63% $307.02 41.37% $742.14 $5.221.40 $3.684.28 $8.905.68 $83.542.40 $58,948.48 $142,490.88
FAMILY 41 $453.48 55.79% $359.36 44.21% $812.84 $5,441.80 $4.312.28 $9.754.08 $223.113.85 $176.803.43 $399917.28
245 $1.018.870.53 $265.290.27 $1,284.160.80
Employee wi Child or Spouse will pay approx $87 or 39% Employee wi Child or Spouse will pay $283.551.09 $74.822.91 $358.374.00
more a month wi Option 3 approx $1.044 more a year wlOpl #3 39% 39% 39%
increase increase increase
Employees wi Family will pay approx $101 or 39% more Employee wi Family will pay approx
a month wi Ootion 3 $1212 more a vearwlOol#3
OPTION tU
RENEW CURRENT PLAN
CITY PAYS 100% FOR EMPLOYEE ONLY-
AND 50% OF TOTAL OTHER COVERAGES
EMPLOYEE 180 $310.42 100.00% $0.00 0.00% $310.42 $3.725.04 $0.00 $3.725.04 . $670,507.20 $0.00 $670.507.20
EMPLOYEE + CHILD 8 $371.07 50.00% $371.07 50.00% $742.14 $4,452.84 $4,452.84 $8.905.68 $35.622.72 $35.622.72 $71.245,44
EMPLOYEE + SPOUSE 16 $371.07 50.00% $371.07 50.00% $742.14 $4,452.84 $4,452.84 $8.905.68 $71.245.44 $71.245.44 $142,490.88
FAMILY 41 $406.42 50.00% $406.42 50.00% $812.84 $4.877.04 $4.877.04 $9.754.08 $199958.64 $199958.64 $399.917.28
245 $977.334.00 $306.826.80 $1.284.160.80
Employee wi Child or Spouse will pay approx $150 or 68% Employee wi Child or Spouse will pay $242.014.56 $116.359.44 $358.374.00
more a month wi Option 4 appro>: $1.800 more a year wlOpl #4 33% 61% 39%
increase increase increase
Employees wi Family will pay approx $148 or 58% more Employee wi Family will pay approx
a month wi Ootion 4 $1 776 more a vear wlOol #4
OPTION #5
RENEW CURRENT PLAN
CITY PAYS 100% FOR EMPLOYEE -
EMPLOYEES COVER ALL DEPENDENTS
EMPLOYEE 180 $31 Q.42 100.00% $0.00 0.00% $310.42 $3,725.04 $0.00 $3.725.04 $670.507.20 $0.00 $670.507.20
EMPLOYEE + CHILD 8 $310.42 41.83% $431.72 58.17% $742.14 $3,725.04 $5.180.64 $8,905.68 $29.800.32 $41,445.12 $71.245.44
EMPLOYEE + SPOUSE 16 $31Q.42 41.83% $431.72 58.17% $742.14 $3.725.04 $5,180.64 $8,905.68 $59.600.64 $82,890.24 $142,490.88
FAMILY 41 $310.42 38.19% $502.42 61.81% $812.84 $3.725.04 $6.029.04 $9.754.08 $152726.64 $247190.64 $399 917.28
I 245 $912.634.80 $371.526.00 $1.284.160.80
Employee wi Child or Spouse will pay approx $210 or 95% Employee wi Child or Spouse will pay $177,315.36 $181.058.64 $358.374.00
more a monlh wi Option 5 appro>: $2.520 more a year wlOpl #5 24% 95% 39%
increase increase increase
Employees wi Family will pay approx $244 or 95% more Employee wi Family will pay approx
a month wi Oolion 5 $2 933 more a vear wlOol #5
CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS. HMO 7501
08/05/2002
MONTHLY PER EMPLOYEE
ANNUAL PER EMPLOYEE
ANNUAL EXPENSE
CATEGORIES
#
EMPLOYEES
CITY % EMPLOYEE % TOTAL
PAYS of Drem ~ 2f.Rwn PREMIUM
CITY EMPLOYEE TOTAL
PAYS fAn; PREMIUM
CITY
fAn;
EMPLOYEE TOTAL
~ fRSM.!.!.!.M
CURRENT PLAN + RATES
EMPLOYEE 180 $224.63 100.00% $0.00 0.00% $224.63 $2.695.56 $0.00 $2,695.56 $485,200.80 $0.00 $485,200.80
EMPLOYEE + CHILD 8 $312.01 58.54% $220.99 41.46% $533.00 $3,744.12 $2,651.88 $6,396.00 $29,952.96 $21,215.04 $51,168.00
EMPLOYEE + SPOUSE 16 $312.50 58.63% $220.50 41.37% $533.00 $3,750.00 $2,646.00 $6,396.00 $60,000.00 $42,336.00 $102,336.00
FAMILY 41 $325.54 55.79% $257.96 44.21% $583.50 $3,906.48 $3,095.52 $7,002.00 $160165.68 $126916.32 $287 082.00
245 $735,319.44 $190467.36 $925 786.80
opnON #1
GO WITH HMO 7501
CITY ABSORBS INCREASE
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723.20 $0.00 $643,723.20
EMPLOYEE + CHILD 8 $491.53 68.98% $220.99 31.02% $712.52 $5,898.36 $2,651.88 $8,550.24 $47,186.88 $21,215.04 $68,401.92
EMPLOYEE + SPOUSE 16 $492.02 69.05% $220.50 30.95% $712.52 $5,904.24 $2,646.00 $8,550.24 $94,467.84 $42,336.00 $136,803.84
FAMILY 41 $522.44 66.95% $257.96 33.05% $780.40 $6,269.28 $3,095.52 $9,364.80 $257 040.48 $126916.32 $383,956.80
245 $1,042,418.40 $190.467.36 $1,232,885.76
$307,098.96 $0 $307,098.96
42% 0% 33%
increase increase increase
OpnON #2
GO WITH HMO 7501
EMPLOYEE ABSORBS INCREASE
EMPLOYEE 180 $224.63 75.37% $73.39 24.63% $298.02 $2,695.56 $880.68 $3,576.24 $485,200.80 $158,522.40 $643,723.20
EMPLOYEE + CHILD 8 $312.Q1 43.79% $400.51 56.21% $712.52 $3,744.12 $4,806.12 $8,550.24 $29,952.96 $38,448.96 $68,401.92
EMPLOYEE + SPOUSE 16 $312.50 43.86% $400.02 56.14% $712.52 $3,750.00 $4,800.24 $8,550.24 $60,000.00 $76,803.84 $136,803.84
FAMILY 41 $325.54 41.71% $454.86 58.29% $780.40 $3,906.48 $5,458.32 $9,364.80 $160165.68 $223791.12 $383 956.80
245 $735,319.44 $497,566.32 $1,232,885.76
$0 $307,098.96 $307,098.96
0% 161% 33% I
increase increase increase
OPOON #3
GO WITH HMO 7501
CITY PAYS 100% FOR EMPLOYEE ONLY.
AND MAINTAINS SAME PERCENTAGE
SHARE OF DEPENDENT COVERAGE AS
CURRENTLY BEARI.NG
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723.20 $0.00 $643,723.20
EMPLOYEE + CHILD 8 $417.11 58.54% $295.41 41,46% $712.52 $5,005.31 $3,544.93 $8,550.24 $40,042.48 $28,359.44 $68,401.92
EMPLOYEE + SPOUSE 16 $417.75 58.63% $294 .77 41.37% $712.52 $5,013.01 $3,537.23 $8,550.24 $80,208.09 $56,595.75 $136,803.84
FAMILY 41 $435.39 55.79% $345.Q1 44.21% $780.40 $5,224.62 $4,140.18 $9,364.80 $214209.50 $169747.30 $383 956.80
245 $978,183.27 $254,702,49 $1,232,885.76
Employee wi Child or Spouse will pay approx $74 or 34% EmplDyee wi Child or Spouse will pay $242,863.83 $64,235.13 $307,098.96
more a month wi Option 3 approx $888 more a year w/Opt #3 33% 34% 33%
increase inaeasa increase
Employees wi Family will pay approx $87 or 34% more Employee wi Family will pay approx
a month wi Ootion 3 $1 044 more a vear wlOot #3
OPTION #4
GO WITH HMO 7501
CITY PAYS 100% FOR EMPLOYEE ONLY.
AND 50% OF TOTAL OTHER COVERAGES
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723.20 $0.00 $643,723.20
EMPLOYEE + CHILD 8 $356.26 50.00% $356.26 50.00% $712.52 $4,275.12 $4,275.12 $8,550.24 $34,200.96 $34,200.96 $68,401.92
EMPLOYEE + SPOUSE 16 $356.26 50.00% $356.26 50.00% $712.52 $4,275.12 $4,275.12 $8,550.24 $68,401.92 $68,401.92 $136,803.84
FAMILY 41 $390.20 50.00% $390.20 50.00% $780.40 $4,682.40 $4,682.40 $9,364.80 $191978.40 $191 978,40 $383956.80
245 $938,304.48 $294,581.28 $1,232,885.76
Employee wi Child or Spouse will pay approx $135 or 61% Employee wi Child or Spouse will pay $202,985.04 $104,113.92 $307,098.96
more a month wI Option 4 approx $1,620 more a year wlOpt #4 28% 55% 33%
increase inaease increase
Employees wi Family will pay approx $132 or 51% more Employee wi Family will pay approx
a month wi Ootion 4 $1 584 more a vear wlOot #4
OPTION #5
GO WITH HMO 7501
CITY PAYS 100% FOR EMPLOYEE.
EMPLOYEES COVER ALL DEPENDENTS
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723.20 $0.00 $643,723.20
EMPLOYEE + CHILD 8 $298.02 41.83% $414.50 58.17% $712.52 $3,576.24 $4,974.00 $8,550.24 $28,609.92 $39,792.00 $68,401.92
EMPLOYEE + SPOUSE 16 $298.02 41.83% $414.50 58.17% $712.52 $3,576.24 $4,974.00 $8,550.24 $57,219.84 $79,584.00 $136,803.84
FAMILY 41 $298.02 38.19% $482.38 61.81% $780.40 $3,576.24 $5,788.56 $9,364.80 $146625.84 $237 330.96 $383 956.80
245 $876,178.80 $356,706.96 $1,232,885.76
Employee wi Child or Spouse will pay approx $193 or 88% Employee wi Child or Spouse will pay $140,859.36 $166,239.60 $307,098.96
more a month wi Option 5 appro.' $2,316 more a year w/Opt #5 19% 87% 33%
increase increase inaease
Employees wi Family will pay approx $224 or 87% more Employee wi Family will pay approx
a month wi Ontion 5 $2,688 more a vear w/Ont #5
CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS. HMO 75028
08/05/2002
MONTHLY PER EMPLOYEE
ANNUAL PER EMPLOYEE
ANNUAL EXPENSE
CATEGORIES
#
EMPLOYEES
CITY
~
%
2LI2illn
EMPLOYEE % TOTAL
~ 2LI2illn ~
CITY
~
EMPLOYEE TOTAL
~ PREMIUM
CITY
PAYS
EMPLOYEE
PAYS
TOTAL
~
CURRENT PLAN + RATES
EMPLOYEE 180 $224.63 100.00% $0.00 0.00% $224.63 $2.695.56 $0.00 $2.695.56 $485.200.80 $0.00 $485.200.80
EMPLOYEE + CHilD 8 $312.01 58.54% $220.99 41.46% $533.00 $3.744.12 $2.651.88 $6.396.00 $29.952.96 $21.215.04 $51.168.00
EMPLOYEE + SPOUSE 16 $312.50 58.63% $220.50 41.37% $533.00 $3.750.00 $2.646.00 $6.396.00 $60.000.00 $42.336.00 $102.336.00
FAMilY 41 $325.54 55.79% $257.96 44.21% $583.50 $3.906.48 $3.095.52 $7.002.00 $160165.68 $126916.32 $287 082.00
245 $735319.44 $190467.36 $925 786.80
OPTION #1
GO WITH HMO 7502B
CITY ABSORBS INCREASE
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3.385.92 $0.00 $3.385.92 $609.465.60 $0.00 $609.465.60
EMPLOYEE + CHilD 8 $453.60 67.24% $220.99 32.76% $674.59 $5.443.20 $2.651.88 $8,095.08 $43,545.60 $21,215.04 $64,760.64
EMPLOYEE + SPOUSE 16 $454.09 67.31% $220.50 32.69% $674.59 $5,449.08 $2.646.00 $8,095.08 $87,185.28 $42,336.00 $129,521.28
FAMilY 41 $480.40 65.06% $257.96 34.94% $738.36 $5,764.80 $3,095.52 $8,860.32 $236 356.80 $126916.32 $363 273.12
245 $976.553.28 $190.467.36 $1,167,020.64
$241,233.84 $0 $241,233.84
33% 0% 26%
increase increase increase
OPTION #2
GO WITH HMO 7502B
EMPLOYEE ABSORBS INCREASE
EMPLOYEE 180 $224.63 79.61% $57.53 20.39% $282.16 $2,695.56 $690.36 $3,385.92 $485,200.80 $124,264.80 $609.465.60
EMPLOYEE + CHilD 8 $312.01 46.25% $362.58 53.75% $674.59 $3,744.12 $4,350.96 $8,095.08 $29,952.96 $34,807.68 $64,760.64
EMPLOYEE + SPOUSE 16 $312.50 46.32% $362.09 53.68% $674.59 $3.750.00 $4,345.08 $8,095.08 $60.000.00 $69,521.28 $129,521.28
FAMilY 41 $325.54 44.09% $412.82 55.91% $738.36 $3,906.48 $4,953.84 $8,860.32 $160165.68 $203 107.44 $363273.12
245 $735,319.44 $431,701.20 $1,167,020.64
$0 $241,233.84 $241,233.84
0% 127% 26% I
inaease increase increase
OPTION U J'
GO WITH HMO 7502B
CITY PAYS 100% FOR EMPLOYEE ONLY-
AND MAINTAINS SAME PERCENTAGE
SHARE OF DEPENDENT COVERAGE AS.
CURRENTLY BEARING
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3.385.92 $0.00 $3,385.92 $609,465.60 $0.00 $609.465.60
EMPLOYEE + CHilD 8 $394.90 58.54'Y. $279.69 41.46% $674.59 $4.7:18.86 $3,356.22 $8,095.08 $37,910.88 $26,849.76 $64,760.64
EMPLOYEE + SPOUSE 16 $395.51 58.63% $279.08 41.37% $674.59 $4,746.15 $3,348.93 $8,095.08 $75,938.33 $53,582.95 $129,521.28
FAMilY 41 $411.93 55.79% $326.43 44.21% $738.36 $4,943.17 $3,917.15 $8,860.32 $202 670.07 $160603.05 $363 273.12
245 $925,984.88 $241.035.76 $1,167,020.64
Employee wi Child or Spouse will pay approx $59 or 27% Employee wi Child or Spouse will pay $190,665.44 $50,568.40 $241,233.84
more a month wi Option 3 appro. $708 more a year wlOpt #3 26% 27% 26%
increase increase increase
Employees wi Family will pay approx $68 or 27% more Employee wi Family will payapprox
a month wi Dation 3 $816 more a vear w/Ont #3
OPTION #4
GO WITH HMO 7502B
CITY PAYS 100% FOR EMPLOYEE ONLY.
AND 50% OF TOT.AL OTHER COVERAGES
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3.385.92 $0.00 $3,385.92 $609.465.60 $0.00 $609.465.60
EMPLOYEE + CHilD 8 $337.30 50.00% $337.30 50.00% $674.59 $4,047.54 $4.047.54 $8,095.08 $32,380.32 $32,380.32 $64,760.64
EMPLOYEE + SPOUSE 16 $337.30 50.00% $337.30 50.00% $674.59 $4,047.54 $4,047.54 $8,095.08 $64,760.64 $64,760.64 $129,521.28
FAMilY 41 $369.18 50.00% $369.18 50.00% $738.36 $4.430.16 $4,430.16 $8,860.32 $181 636.56 $181638.56 $363 273.12
245 $888.243.12 $278,777.52 $1,167,020.64
Employee wi Child or Spouse will pay approx $116 or 53% Employee wi Child or Spouse will pay $152,923.68 $88,310.16 $241,233.84
more a month wi Option 4 approx $1,392 more a year wlOpt #4 21% 46% 26%
inaease increase increase
Employees wi Family will pay approx $111 or 43% more Employee wi Family will pay approx
a month wi Option 4 $1 332 more a year wlOot #4
OPTION #5
GO WITH HMO 7502B
CITY PAYS 100% FOR EMPLOYEE.
EMPLOYEES COVER ALL DEPENDENTS
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3,385.92 $0.00 $3,385.92 $609.465.60 $0.00 $609.465.60
EMPLOYEE + CHilD 8 $282.16 41.83% $392.43 58.17% $674.59 $3,385.92 $4,709.16 $8,095.08 $27,087.36 $37,673.28 $64,760.64
EMPLOYEE + SPOUSE 16 $282.16 41.83% $392.43 58.17% $674.59 $3,385.92 $4,709.16 $8,095.08 $54,174.72 $75,346.56 $129,521.28
FAMilY 41 $282.16 38.21% $456.20 61.79% $738.36 $3,385.92 $5.474.40 $8,860.32 $138822.72 $224 450.40 $363273.12
245 $829,550.40 $337.470.24 $1,167,020.64
Employee wi Child or Spouse will pay approx $171 or 78% Employee wi Child or Spouse will pay $94,230.96 $147,002.88 $241,233.84
more a month wi Option 5 approx $2.052 more a year w/Opl #5 13% 77% 26%
increase increase increase
Employees wi Family will pay approx $198 or 77% more Employee wi Family will pay approx
a month wi Ootion 5 $2,376 more a vear wlOot #5
-;-
I
City of Winter Springs
I
Memo
To: Mayor and City Commissioners
From: Ronald W. McLemore
Date: 08/05/02
Re: Health Insurance
Our current health insurance rates with Humana expire September 30, 2002. Humana desires to
increase our rates for our current plan 39%.
Our agent has sent out Request for Bids to the carriers on our behalf in an effort to obtain lower rates.
Requests were sent to: Aetna, AvMed, Cigna, BCCBS, United Healthcare, Nationwide Trust and PRM
Health Trust along with Humana. The 5 major carriers declined to bid due to our medical conditions.
Nationwide Trust did quote; however, the rates were comparable to the various ones quoted by
Humana. The other Trust did not respond. Declinations attached.
Humana provided our agent with a number of different plans as shown on the attached legal size
worksheet. This worksheet was prepared by our agent. I have reviewed the various plans and submit 3
for your consideration: the current HMO plan, HM07501 and HM07502B. The plans descend in terms
of "richness" and accordingly, cost.
Included for each of the 3 plans under consideration is another spreadsheet (one each) that relays the
various cost increases to the City and the Employee for various "Options" under each of the plans.
There are 5 Funding Optionspresented for each plan:
. the City absorbs the total increase over the current rates,
. the Employee absorbs the increase,
. the City pays 100% of the Employee and maintains the current cost sharing % breakdown for the
dependent coverage's,
. the City pays 100% of the Employee coverage and participates in a 50% cost sharing of the
premium for the other coverage types and lastly,
. the City pays 100% of the employee coverage for each type of coverage (the dependent
coverage's are paid in total by the employee)
The City currently cost shares in that it subsidizes, in part, the cost of the employees dependent care
coverage. The City is currently bearing a larger % of the total premium for those employees with
dependent care coverage than the employees are bearing themselves. Consideration should be given
. Page 1
N.
.
to at least moving towards an equal sharing in the premium for coverage types other than employee
only or moving towards the employee covering the cost of dependent care coverage entirely.
As an example, Option #4 HMO 75028 results in an equal cost sharing of the premium. This
represents a cost to the City of $888,243/year or a 21 % increase. An employee wI a child or a spouse
would incur approximately $116 more in expense per month or 53% ($1,3921year); whereas, an
employee with family coverage would incur approximately $111 more in expense per month or 43%
($1,331/year).
The current cost of the health insurance plan is approximately $735,000 a year. The recommended
budget for fiscal year 2003 included an anticipated increase in health insurance. Approximately
$905,000 is included in the budget for health insurance alone or an additional $170,000 above what is
currently being paid.
. Page 2
City of Winter Springs
Quote Listing 2002
Medical
Company Action
Aetna Declined
AvMed Declined
Cicma Declined
SCSS Declined
United Healthcare Declined
Nationwide Trust Quoted
PRM Health Trust No Response
JUL-26-2002
r'\
~)
@
@
(j
@
17:02
HUMANA COMMERCIAL SLS/ORL
"; ,7~;~ll~ :.' ,
41217. 661 612163 \:.})~ 1212/02 .
- . '~," .......
'City of Winter Springs Renewals and Alternates
Renewal Rates HMO Option 22(RX3)
EE EE + I EE .;. CH Family
$310.42 $742.J4 $742.14 $812.84
40% Increase
~,
~)
RenewaJ Rates HMO Option 22(RX4)
EE EE + J EE + CH Family
$308.89 $738.49 $738.49 $808.84
" .39.3% Increase
Renewal Rates "EPO" Option 80-003(RX4)
EE EE + J EE + CH Family.
$260.18 $623.47 $623.47 $682.87
17.6% Increase(from HMO)
Renewal Rates "EPO" Option 80-002(RX4).
EE EE + I EE + CH Family
$297.02 $710.10 $710.10 $777.76
34% rncrease(from HMO) .'
Renewal Rates HMO Option 75-01(RX4)
$5/15135/100-RX4
EE EE + I EE + CH Family
$298.02 $712.52 $71252 $780.40
34.5% Increase-
Renewal Rates HMO Option 75-02
$S/15/35/IOO-RX4
EE EE + J EE + CH Family
$291.32 $696.50 $696.50 ~762.8S
3 1 % Increase
Renewal Rates HMO Option 75-02
$1 0125/501I OO-RX4
EE EE + I EE .~ CH Family
$282.16 $674.59 $674.59 $738.86
27.3% Increase
Renewal Rates POS Option 41(RX3)
. . EE EE+ 1 EE+CH Family
'$331.41 $792.29 $792.29 $867.69
40% Increase
Renewal Rates POS Option 41(RX4)
EE BE.+ 1 EE + CH Family
29.88 $788.64 $788.64 $863.69
39.3% Increase
Renewal Rates POS Option 42(RX4)
EE EE + I EE + CH Family.
$322.09 $770.04 $770.04 $843.39
36% Increase
\.
TnTClI P lil?
1 Aetrur
July 29, 2002
Mrs. Fluffy Bellus
Bellus Insurance Services, Inc.
PO Box 182.0
Winter Park, Fiorida 32790
Re: City ofWmter Springs
Dear Fluffy,
Aetna
385 Douglas Avenue
Suite 3350
. - AJtamonte Springs~ 'FL 32714
Michael R. Share
Senior Account Executive
(407) 618-2470
Fax: (407)618-2514
E-mail: ShareM@aetna.com
We have received your request for a proposal on the above named prospect.
Aetna uses underwriting guidelines to determine whether or not each potential prospect will be .
eligible for group insurance. Based on the medical infortnationprovided, we decline to quote on '.
this prospect.
Thank you for your time and consideration.
Sincerely,
~~
Michael R. Share, MBA, RHU
Senior Account Executive
MS:tr
\J /I l.ot \J l. rKl ,U:: Z\J r'hA,
~002
/AvMID'"
I~OO RIVCRPI.ACE ULVn,
SlIrTE :!OO
HEALTH PLAN
JACKSO/'Nu.u::, Fl..ORJDA 32107
(904) 858-1300
WATS: 1-600-227-41114
FAX.; (904) 858-1355
July 24, 2002
Ms. Fluffy ~ellus
Bellus InsUrance Services
Post Office Box 1820
Winter Park, Florida 32790
Re; City of Winter Springs
Dear Fluffy;
Thank y~:)U for the opportunity to quote on the City of Winter Springs_ We must, however,
decline to quote, as our network cannot accommodate all of the employee locations_ I
certainly look forward to working with you on future cases.
Wannest regards,
~
Missy S;th \
AvMED-THE
HEALTH IMPRoVeMeNT COMPANY
JP-ll\O (9/97)
JUL.~~.~~~~ 2:03PM
CIGNA HEALTHCARE
NO. 638 . P. 2/2
.
Lee Hopper .
New BUSlnes, MltWIgCf ;
. Sales .
II"
CIGNA HealthCare
255 Primera Blvd
S~1te 264)
Liike Mary III 32746
Telephone 407.833.3124
FaC$lmUc 407.833.3159
July 29.2002
Fluffy Bellus
Bellus Insurance Sj~rvices
P.o. Box- 1820
Winter Park, FL 3:~790
RE:' CITY OFlW1NTERSPRINGS
Dear Fluffy:
r regret that I am llnable to provide you with a quote for the apove-referenced group due
to ctirIent medi~l conditions.
I appreciate your interest in CIGNA HealthCare of Florida and look forward to a future
opportunity to wo!~k with you..
Sincerely,
kl~~~
New Business Manager
LH/dd
AUG-01-2002 10:39
BLUE CROSS BLUE SHIELD
8636824179 P.02/02
.....
i f~
HD4M OO'JON Md 1a.'-.tWRI. BtJO ~sM~.:"oNNI
fdf'cr.... .,.~cnooml~"'N BlJoCfCKoCi
and'[lk.Jt:-~d~
Blue Cross and Blue Shield of Florida
and Health Options .
Central Business Unir
3191 Maguire Boulevard. Suite 200
P.O. Box 149208
Orlando, FL 32814-9208
..
. BlueCXoss BlueShield
of Florida
Health Options. '
Tel 407-894-7200
800-545-6565
August I, 2002
Fluffy Bellus
Bellus ~urance
P.O. Box 1820
Winter Park, FL 32790
RE: City of Winter Springs
Dear Fluffy Bellus:.
Thank you for the opportunity to quote benefits for the above mentioned group.
However, this group does not meet our. Underwriting Guidelines at this time, due to the
following:
On-going medical conditions
Once again, we appreciate the opportunity to quote health, life and dental benefits. for you
and your clientele.
If you have any questions, please feel free to contact me at 407-228-9202.
Sincerely,
~.
Marketing Representative
GE/je
7t14a.601 R PS
TnTOI P iii?
Au 1-0 1:-200-2 Q4: lOam
From-Customer Service
+4072453720
T-(~~ r.UUI/UUI
DnitedHealthcare
t]J ^ unilcaHcalth Group COfllp<lnV
Decline to Quote Notification
lJl1ilCdHealmcare .
4')) N0r\h Kelle,- Roao Sui\!: 70n M3tilana fL 3Z"'!l 1
Tel 800 B99 6500
William Abrahams, Key Accounts Executive
Phone: (407) 659-6964 Fax: (407) 659-6940
Chris Abney, New Business Coordinator
Phone: (407) 659-6966 Fax: (407659-6940
e-mail: william_b_abrahams@uhc.com
e-mail: chris_m_sbney@uhc.com
July31,2OO2
Fluffy BGllus
Bellus Insurance Services
P. O. Box 1820
Winter Park, Florida 32790
Fax: (407) 539-0798
Re: City of Winter Springs
Dear Fluffy:
Thank you for your proposal request on City of Winter Springs. Unfortunately, after a thorough evaluation of the
information provided, our decision is to decfine to quote at this time. The reason for this declination is:
. Large, ongoing medical claims prevent underwriting from providing a quote.
We appreciate being given the opportunity to review this quote and we look forward to working with your offICe on
future prospects. If you have any questions or need assistance please contact your Key Accounts Executive or your
New Business Coordinator.
~.
William Abrahams
Key Account ExecutiVe
Revi~cd 06/011/01
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CITY OF WINTER SPRINGS
7/27/02
RATES
Lifetime Office Visit Prescription Out-of-Pocket Hospital Emergency Employee I I Children I
Deductible Maximum Coinsurance Copay Copay limit Admission Copay Copay Spouse Family
Current Plan Current "ates ~
Humana HMO 1122 NA Unlimited NA $10 $5/$10/$25 $1500 / $3000 $0 $50 $224.63 I $533.00 I $533.00 $583.50
Renewal Rates
$310.42 I $742.14 I $742.14 $812.84
Humana HMO I122(RX4) NA Unlimited NA $10 $51 $15/ $35/ $100 $1500 / $3000 $0 $50 $308.89 I $738.49 I $738.49 $808.84
Humana HMO t17501{RX4) NA Unlimited NA $10/$20 $51$15/$35/$100 $1500 / $3000 $100 per day $75 $298.02 I $712.52 I $712.52 I $780.40 1
1 st 3 days If' admission
Humana HMO t17502{RX4)A NA Unlimited NA $15/$25 $51$15/$35/$100 $1500 / $3000 $250 per day $75 $291.32 I $696.50 I $696.50 I $762.85
1 st 3 days per admission
Humana HMO t17502{RX4)B NA Unlimiled NA $15/ $25 $10/ $25/ $50 / $100 $1500 / $3000 $250 per day $75 $282.16 $674.59 $674.59 I $738.86 J
1 sl 3 days per admission
. . ,
Humana EPO #80002{RX4) $250 / $750 $2,000,000 10% $20 / $30 $51 $15/ $35/25% $2000 / $6000 $250 Per day $100 /10% $297.02 $710.10 $710.10 I $777.76
1 st 5 days * admission
then/10%
,
Humana EPO #80003{RX4) $500 / $1500 $2,000,000 20% $20 / $30 $10/ $25/ $50 /25% $3000 / $9000 $500 per day $100/20% $260.78 $623.47 $623.47 I $682.87
1st 7 days per admission
then 20%
Current Plan Current Rates
Humana POS 1/41 NA-In Unlimited - tn NA-In $15/$25-ln $5/$10/$25 $1500 / $3000 -In $100 per day, 5day max -In $50 $239.62 $568,82 $568.82 I $622.68
$400 / $800 - 0...1 $l000000-Out 70/30 - Out Deduct+30% - Out $5000 / $1 QOOO.Out Deduct + 30% - Out Renewal Rates
- $331.41 $792.29 $792.29 I $867.69 ~
Humana POS 1/41{Rx4) NA-In Unlimited - In NA-In $15/$25-ln $5/ $15/ $35/ $100 $1500 / $3000 -In $100 per day, 5 day max -In $50 $329.88 $788.64 $788.64 I $863.69
$400 / $800 - Out $l000000-Out 70/30-Out Deduct+30% - Out $5000 / $1 QOOO.Out Deduct + 30% - Out
Humana POS #42(Rx4) NA-In Unlimited - In NA-In $15/$25-ln $5/ $15/ $35/ $100 $1500 / $3000 -In $300 per day, 5 day max - In $50 $322.09 $770.04 $770.04 I $843.39
$400 / $800 - Out $1000000-Out 6O/4O-Out Deduct+4O% - Out $5000 / $1QOOO.Out Deduct + .~% - Out
Current Rates .
Humana PPO $250 / $750 $5,000,000 9O/10-ln $15-ln $51$10/$25 $1000 / $2000 - In Deduct + 10% - Out Deduct + 10% +$501 $292.49 $698.24 $698.24 I $764.64
70/30 - Out Deduct + 30% - In $2000 / $4000 - Oul Deduct + 30"10 - Out Deduct + 30% - Out Renewal Rates
, $409.48 $977.55 $977.55 I $1,070.51
.'
Nationwide Public Trust NA-In NA-In $15/ $25-ln $10/$201$30 $1500 / $3000 -In $100 per day, 5 day max - In $50 $325.93 $779.18 $779.18 I $853.13
(2yr rate & benefit guarentee) $4OO/$800-0ut $t,OOO,OOO 70 130 - Out Deduct+ 30"10 - Out $5000 / $1()()()()'()ut Deduct + 30"10 - Oul 70"10 after $150
J copay per visit
Nationwide Public Trust NA-In NA-In $10-ln $101$20I$30 $1500/ $3000 -In $0 $50 $352.00 $84t.51 $841.51 I $921.38
(2yr rate & benefit guarentee) $400 / $800 - Out $1,000,000 70 130 - Out Deduct+30"Io - Out $5000 / $1 QOOO.Out Deduct + 30"10 - Out 70"10 after $150
copay per visit
~~
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CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS - RENEW CURRENT PLAN HUMANA HMO #22
0810512002
CI1Y OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS. HMO 7501
OSlO 512M2
MONTHLY PER EMPLOYEE
ANNUAL PER EMPLOYEE
ANNUAL EXPENSE
CATEGORIES
#
EMPLOYEES
CITY % EMPLOYEE % TOTAL
~ ll!J1mn ~ ll!J1mn ~
CITY EMPLOYEE TOTAL
~ ~~
CITY
~
EMPLOYEE TOTAL
~ ~
CURRENT PLAN + RATES
EMPlOYEE 180 $224.63 100.00% $0.00 0.00% $224.63 $2,695.56 $0.00 $2,695.56 $485,200.80 $0.00 $485,200.80
EMPlOYEE. CHILD 8 $312.D1 58.54% $220.99 41.46% $533.00 $3,744.12 $2,651.88 $6,396.00 $29,952.96 $21,215.04 $51,168.00
EMPLOYEE. SPOUSE 16 $312.50 58.63% $220.50 41.37% $533.00 $3,750.00 $2,646.00 $6,396.00 $60,000.00 $42,336.00 $102,336.00
FAMILY 41 $325.54 55.79% $257.96 44.21% $583.50 $3,906.48 $3,095.52 $7,002.00 $160165.68 $126916.32 $287 082.00
245 $735319.44 $190467.36 $925 786.80
OPTION .,
GO WITH HMO 7501
CITY ABSORBS INCREASE -" , ....~; '~:l"Li
EMPlOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723.20 $0.00 $643,723.20
EMPlOYEE. CHILD 8 $491.53 68.98% $220.99 31.02% $712.52 $5,898.:16 $2,651.88 $8,550.24 $47,186.88 $21,215.04 $68,401.92
EMPlOYEE. SPOUSE 16 $492.02 69.05% $220.50 30.95% $712.52 $5,904.24 $2,646.00 $8,550.24 $94,467.84 $42,336.00 $136,803.84
FAMILY 41 $522.44 66.95% $257.96 33.05% $ 780.40 $6,269.28 $3,095.52 $9,364.80 $257 040.48 $126916.32 $383 956.80
245 $1,042,418.40 $190,467.36 $1,232,885.76
$307,098.96 $0 $307,098.96
42% 0% 33%
inaease inaeaS8 inaease
OPTION .2
GO WITH HMO 7501 ',~ ".' ,.1"; ,','
EMPLOYEE ABSORBS INCREASE " ;~...;';.
EMPlOYEE 180 $224.63 75.37% $73.39 24.63% $298.02 $2,695.56 $880.68 $3,576.24 $485,200.80 $158,522.40 $643,72320
EMPlOYEE. CHILD 8 $312.01 43.79% $400.51 56.21% $712.52 $3,744.12 $4.806.12 $8,550.24 $29,952.96 $38,448.96 $68,401.92
EMPlOYEE + SPOUSE 16 $312.50 43.86% $400.02 56.14% $712.52 $3,750.00 $4,800.24 $8,550.24 $60,000.00 $76,803.84 $136,803.84
FAMILY 41 $325.54 41.71% $454.86 58.29% $780.40 $3,906.48 $5,458.32 $9,364.80 $160165.68 $223791.12 $383956.80
245 $735,319.44 $497,566.32 $1,232,885.76
$0 $307,098.96 $307,098.96
0% 161% 33% I
increase increase inaease
OPTION 13 --....- ....
GO WITH HMO 7501 .r~'. ,. ,:"~...~,-~~~"
CITY PAYS 100% FOR EMPLOYEE ONLY.
AND MAINTAINS SAME PERCENTAGdl
SHARE OF DEPENDENT'COVEAAGEAS
CURRENTLY BEARiNG:'. ',0.: :.,~!~.^:taJ
EMPlOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723,20 $0.00 $643,72320
EMPlOYEE + CHILD 8 $417.11 58.54% $295.41 41.46% $712.52 $5,005.31 $3,544.93 $8,550.24 $40,042.48 $28,359.44 $68,401.92
EMPlOYEE. SPOUSE 16 $417.75 58.63% $294.77 41.37% $712.52 $5,013.01 $3,537.23 $8,550.24 $80,208.09 $56,595.75 $136,803.84
FAMILY 41 $435.39 55.79% $345.D1 44.21% $780.40 $5,224.62 $4,140.18 $9,364.80 $214209.50 $169"747.30 $383956.80
245 $978,183.27 $254,702.49 $1,232,885.76
Employee wI Child or Spouse will pay approx $74 or 34% Employee wi Child or Spouse will pay $242,863.83 $64,235.13 $307,098.96
more a month wI Option 3 approx $888 more a year w/Opl #3 33% 34% 33%
increase increase increase
Employees wi Family will pay approx $87 or 34% more Employee wI Family will pay approx
a month wi Onlian 3 $1 044 more a \/9ar wloOl #3
~_U.~((~f..~,.;\t~,
GO WITH HMO.7
crri p'AYS;.10o%~'
AHD.5O%~oli~i:O"TALf:cf
EMPlOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723.20 $0.00 $643,723.20
EMPlOYEE + CHILD 8 $356.26 50.00% $356.26 50.00% $712.52 $4.275.12 $4.275.12 $8,550.24 $34,200.96 $34,200.96 $68,401.92
EMPlOYEE + SPOUSE 16 $356.26 50.00% $356.26 50.00% $712.52 $4.275.12 $4,275.12 $8,550.24 $68,401.92 $68,401.92 $136,803..84
FAMILY 41 $390.20 50.00% $390.20 50.00% $780.40 $4,682.40 $4,682.40 $9,364.80 $191978.40 $191 978.40 $383 956.80
245 $938,304.48 $294,581.28 $1.232,885.76
Employee wI Child or Spouse will pay approx $135 or 61% Employee wi Child or Spouse will pay $202,985.04 $104,113.92 $307,098.96
more a month wI Option 4 approx $1,620 more a year wlOpt #4 28% 55% 33%
increase increase inaesS8
Employees wI Family win payapprox $132 or 51% more Employee wI Family wiD pay approx
a monthw/O lion4 $1584 more a rwlO 1#4
OPTION ~ ~~r;.l~~_<..; :~}., .:r. !."iJ, ':~7:~";:;~}:.'~,'t~~
GO WITH~MO;~501 J5.qj;:,i<.(:A<ii?'~,:,:tS!
CITY PAYS 100%.FOR"EMPLOYEEf'h.'!1:i
EMPLOYEES COvER:AU;: DEpENDENTS
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643,723.20 $0.00 $643,723.20
EMPLOYEE + CHILD 8 $298.02 41.83% $414.50 58.17% $712.52 $3,576.24 $4,974.00 $8,550.24 $28,609.92 $39,792.00 $68.401.92
EMPlOYEE. SPOUSE 16 $298.02 41.83% $414.50 58.17% $712.52 $3,576.24 $4,974.00 $8,550.24 $57.219.84 $79,584.00 :~ 36.803..84
FAMILY '41 $298.02 38.19% $482.38 61.81% $780,40 $3,576.24 $5,788.56 $9,364.80 $146625.84 $237 330.96 383 956.80
245 $876,178.80 $356,706.96 $1,232,885.76
Employee wi Child or Spouse will pay approx $193 or 88% Employee wI Child or Spouse will pay $140,859.36 $166.239.60 $307,098.96
more a month wI Option 5 approx $2,316 more a year w/OpI #5 19% 87% 33%
increase inaesS8 increase
Employees wI Family wiD pay approx $224 or 87% more Employee wI Family will pay approx
a month wI nntion 5 $2 688 more a \l9ar wlOot #5
CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS. HMO 75028
08105/4002 .
CATEGORIES
CURRENT PLAN + RATES
EMPLOYEE
EMPLOYEE + CHILD
EMPLOYEE + SPOUSE
FAMILY
#
EMPLOYEES
180
8
16
41
245
MONTHLY PER EMPLOYEE
CITY % EMPLOYEE % TOTAL
fAX:> l!!Jlrnn PAYS of Dram PREMIUM
$224.63
$312.01
$312.50
$325.54
100.00%
58.54%
58 .63%
55.79%
$0.00
$220.99
$220.50
$257.96
0.00%
41.46%
41.37%
44.21%
$224.63
$533.00
$533.00
$583.50
$2,695.56
$3,744.12
$3,750.00
$3,906.48
ANNUAL PER EMPLOYEE
CITY EMPLOYEE TOTAL
fAX:> fAX:> ~
$0.00 $2,695.56
$2,651.88 $6,396.00
$2,646.00 $6,396.00
$3,095.52 $7,002.00
ANNUAL EXPENSE
EMPLOYEE TOTAL
fAYJi ~
$485,200.80
$29,952.96
$60,000.00
$160165.68
$735319.44
CITY
fAX:>
$0.00
$21,215.04
$42,336.00
$126916.32
$190467.36
$485,200.80
$51,168.00
$102,336.00
$287082.00
$925 786.80
OPTION 111
GO WITH HMO 7502B
CITY ABSORBS INCREASE
EMPlOYEE
EMPLOYEE + CHILD
EMPlOYEE + SPOUSE
FAMILY
OPTION '2
GO WITH HMO 7502B
EMPLOYEE ABSORBS INCREASE
EMPlOYEE
EMPLOYEE + CHILD
EMPLOYEE + SPOUSE
FAMILY
OPTION #3
GO WITH HMO 7502B
CITY PAYS 100% FOR EMPLOYEE ONLY.
AHD MAINTAINS SAME PERCENTAGE
SHARE OF DEPENDENT COVERAGE AS
CURRENTLY BEARING
EMPlOYEE
EMPLOYEE + CHILD
EMPlOYEE + SPOUSE
FAMILY
OPTION,fU ~'; .;,-:.!~;:'fi;.fr'-i~;P',,:.;' ."~.jt
GO WITH HMO 7502B1}t~jo~.f\'>~--:~/~
CITY PAYS 100%'FOR EMPLOYEE; LY.
AND sO% OffOTAl'C5THEi(CoYEAAGES
EMPlOYEE
EMPlOYEE + CHILD
EMPLOYEE + SPOUSE
FAMIlY
i....-. ..-.-;;:; - . :.:::i;.,"': .,-~~ ;~~~'j1:1(~ ::~~~.~ ~:';
u n:.~~~'_ '~~"w ~;~...; ~~J'~~"~;'~t
180
8
16
41
245
180
8
16
41
245
180
8
16
41
245
180
8
16
41
245
180
8
16
41
245
$224.63
$312.01
$312.50
$325.54
$282.16
$394.90
$395.51
$411.93
$282.16
$453.60
$454.09
$480.40
100.00%
58.54 %
58.63%
55.79%
100.00%
67.24%
67.31%
65.06%
79.61%
46.25%
46.32%
44.09%
$57.53
$362.58
$362.09
$412.82
$0.00
$220.99
$220.50
$257.96
0.00%
41.46%
41.37%
44.21%
0.00%
32.76%
32.69%
34.94%
$282.16
$674.59
$674.59
$738.36
$0.00
$279.69
$279.08
$326.43
20.39%
53.75%
53.68%
55.91%
$282.16
$674.59
$674.59
$ 738.36
$282.16
$674.59
$674.59
$738.36
Employee wi Child or Spouse will pay approx $59 or 27%
more a month wi Option 3
Employees wi Family will pay approx $68 or 27% more
a month wi Option 3
$282.16
$337.30
$337.30
$369.18
100.00%
50,00%
50.00%
50,00%
$0.00
$337.30
$337.30
$369.18
0.00%
50,00%
50.00%
50.00%
$282,16
$674,59
$674.59
$738.36
Employee wi Child or Spouse will pay approx $116 Of 53%
more a month wi Option 4
Employees wi Family will pay approx $111 or 43% more
a month wI lion 4
$282.16
$282,16
$282,16
$282.16
100.00%
41.83%
41.83%
38.21%
$0.00
$392.43
$392.43
$456.20
0.00%
58.17%
58.17%
61.79%
$282,16
$674.59
$674,59
$738.36
Employee wi Child Of Spouse will pay approx $171 or 78%
more a month wi Option 5
Employees wi Family will pay approx $198 or 77% more
a month wi lion 5
$3,385,92
$5,443.20
$5,449,08
$5,764.80
$2,695.56
$3,744.12
$3,750.00
$3,906.48
$3,385.92
$4.738.86
$4,746,15
$4.943.17
$0.00 $3,385.92
$2,651,88 $8.095.08
$2,646,00 $8,095,08
$3.095.52 $8.860.32
$690.36 $3,385.92
$4.350.96 $8,095.08
$4,345.08 $8,095,08
$4,953.84 $8,860.32
$0.00 $3.385.92
$3,356.22 $8,095.08
$3.348,93 $8,095.08
$3.917.15 $8,860,32
Employee wi Child or Spouse will pay
approx $708 more a year wlOpt #3
Employee wi Family will pay approx
$816 more a war w/Oot #3
$3,385.92
$4.047,54
$4.047,54
$4.430.16
$0.00 $3.385.92
$4.047.54 $8.095.08
$4.047,54 $8.095.08
$4,430,16 $8.860.32
Employee wi Child or Spouse will pay
approx $1,392 more a year w/Opt 114
Employee wi Family will pay approx
$1 332 more a ar wi t 114
$3,385.92
$3.385.92
$3,385.92
$3.385,92
$0,00 $3.385,92
$4.709,16 $8.095.08
$4,709.16 $8.095.08
$5.474,40 $8.860.32
Employee wi Child Of Spouse will pay
approx $2.052 more a year w/Opl #5
Employee wi Family will pay approx
$2 376 more a ar wi t #5
$609,465,60
$43,545.60
$87.185.28
$236 356.80
$976,553.28
$241,233.84
33%
inrrease
$485,200.80
$29.952,96
$60.000,00
$160165.68
$735,319.44
$0.00
$21.215.04
$42.336.00
$126916.32
$190,467.36
.$609,465,60
$64.760.64
$129.521,28
$363273,12
$1.167.020,64
$0 $241.233.84
0% 26%
increase increase
$124.264.80
$34,807.68
$69.521.28
$203107.44
$431.701.20
$609,465.60
$64.760.64
$129.521,28
$363273.12
$1.167.020,64
$0 $241,233,84 $241,233.84
0% 127% 26%
increase inaeaS8 Increase
$609.465.60
$37.910.88
$75.938.33
$202 670.07
$925,984.88
$0,00
$26,849.76
$53.582,95
$160 603.05
$241.035.76
$609.465,60
$64.760,64
$129.521,28
$363 273,12
$1.167.020.64
$190,665.44 $50,568.40 $241,233.84
26% 27% 26%
inaease inaea58 inaeaS8
$609.465.60
$32,380.32
$64,760.64
$181636.56
$888,243.12
$152.923.68
21%
;naesse
$609,465,60
$27,087.36
$54,174.72
$138 822,72
$829,550.40
$0.00
$32,380,32
$64,760,64
$181 636.56
$278.777.52
$88,310.16
46%
inaesse
$0.00
$37,673,28
$75,346.56
$224 450,40
$337,47024
$609,465.60
$64,760.64
$129,52128
$363 273.12
$1,167,020,64
$241,233.84
26%
inaeaso
$609,465,60
$64,760,64
$129,52128
363273,12
$1,167,020.64
$94,230.96 $147,002.88 $241,233,84
13% 77% 26%
inaease inaesS8 ;na8SS8
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Post.lr Fax Note
To
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I
fity of ~inter Springs
Memo
To: Mayor and City Commissioners
From: Ronald W. McLemore
Date: 08/05/02
Re: Health Insurance
Our current health insurance rates with Humana expire September 30, 2002. Humana desires to
increase our rates for our current plan 39%.
Our agent has sent out Request for Bids to the carriers on our behalf in an effort to obtain lower rates.
Requests were sent to: Aetna, AvMed, Cigna, BCCBS, United Healthcare, Nationwide Trust and PRM
Health Trust along with Humana. The 5 major carriers declined to bid due to our medical conditions.
Nationwide Trust did quote; however, the rates were comparable to the various ones quoted by
Humana. The other Trust did not respond. Declinations attached.
Humana provided our agent with a number of different plans as shown on the attached legal size
worksheet. This worksheet was prepared by our agent. I have reviewed the various plans and submit 3
for your consideration: the current HMO plan, HM07501 and HM07502B. The plans descend in terms
of "richness" and accordingly, cost.
Included for each of the 3 plans under consideration is another spreadsheet (one each) that relays the
various cost increases to the City and the Employee for various "Options" under each of the plans.
There are 5 Funding Options presented for each plan:
. the City absorbs the total increase over the current rates,
. the Employee absorb.s the increase,
. the City pays 100% of the Employee and maintains the current cost sharing % breakdown for the
dependent coverage's,
. the City pays 100% of the Employee coverage and participates in a 50% cost sharing of the
premium for the other coverage types and lastly,
. the City pays 100% of the employee coverage for each type of coverage (the dependent
coverage's are paid in total by the employee)
The City currently cost shares in that it subsidizes, in part, the cost of the employees dependent care
coverage. The City is currently bearing a larger % of the total premium for those employees with
dependent care coverage than the employees are bearing themselves. Consideration should be given
. Page 1
to at least moving towards an equal sharing in the premium for coverage types other than employee
only or moving towards the employee covering the cost of dependent care coverage entirely.
As an example, Option #4 HMO 75028 results in an equal cost sharing of the premium. This
represents a cost to the City of $888,243/year or a 21 % increase. An employee wi a child or a spouse
would incur approximately $116 more in expense per month or 53% ($1,392/year); whereas, an
employee with family coverage would incur approximately $111 more in expense per month or 43%
($1,331/year).
The current cost of the health insurance plan is approximately $735,000 a year. The recommended
budget for fiscal year 2003 included an anticipated increase in health insurance. Approximately
$905,000 is included in the budget for health insurance alone or an additional $170,000 above what is
currently being paid.
. Page 2
City of Winter Springs
Quote Listing 2002
Medical
Company Action
Aetna Declined
AvMed Declined
Cigna Declined
BCBS Declined
United Healthcare Declined
Nationwide Trust Quoted
PRM Health Trust No Response
JUL~26-2002 17:02
@
@
@
(j
@
HUMRNR COMMERCIRL SLS/ORL
407 661 6063 P.02/02
City of Winter Springs Renewals and Alternates
Renewal Rates HMO Option 22(RX3)
EE EE + I EE -I- CH Family
$310.42 $742.14 $742.14 $812.84
40% Increase
Renewal Rates POS Option 41 (RX3)
. . EE EE + 1 EE + CH Family
$331.4 I $792.29 $192.29 $861.69
40% Increase
Renewal Rates HMO Option 22(RX4)
EE EE + I EE + CH Family
$308.89 $738.49 $738.49 $808.84
39.3% Increase
Renewal Rates POS Option 41 (RX4)
EE EE+ I EE + CH Family
29.88 $788.64 $788.64 $863.69
39.3% Increase
Renewal Rates "EPO" Oplion 80-003(RX4)
EE EE + 1 EE + CH family.
$260.18 $623.47 $623.47 $682.87
17.6% Increase(from HMO)
Renewal Rates POS Option 42(RX4)
EE EE + 1 EE + CH family
$322.09 $710.04 $770.04 $843.39
36% Increase
Renewal Rates "EPO" Oplion 80-002(RX4)
EE EI:: + I EE + CH Family
$297.02 $7 ro. I 0 $710. IO $771.16
34% Increase(from HMO) .'
Renewal Rates HMO Option 75-0I(RX4)
$5/15/35/IOO-R](4
EE EE + I EE + CH Family
$298.02 $712.52 $712.52 $780.40
34.5% Increase
Renewal Rates HMO Option 75-02
$5/15/35/IOO-RX4 u' __..... . ... .... _ __ __
EE EE + I EE + CH Family
$291.32 $696.50 $696.50 $762.85
3 I % Increase
Renewal Rates HMO Option 75-02
$10/25/50/IOO-R.X4
EE EE + 1 EE + CH Family
$282.16 $674.59 $674.59 $738.86
21.3% Increase
TnTOI P [il?
X Aetna'
Aetna
385 Douglas Avenue
Suite 3350
A1tam6nte Springs, FL 32714
Michael R. Share
Senior Account Executive .
(407) 618-2470
Fax: (407)618-2514
E-mail:ShareM@aetna.com
July 29, 2002
Mrs. FluflY Bellus
Bellus Insurance Services, Inc.
PO Box 182.0
Winter Park, Florida 32790
Re: City of Winter Springs
Dear fluffY,
We have received your request for a proposal on the above named prospect.
Aetna uses underwriting guidelines to determine whether or not each potential prospect will be
eligible for group insurance. Based on the medical information provided, we decline to quote on
this prospect. .
Thank you for your time and consideration.
Sincerely,
~~
Michael R. Share, MBA, RRU
Senior Account Executive
MS:tr
U/I;t;O/U;t; rlU J.:I:::l:U .t'AA.
141002
:cAvMEo'"
HEALTH PLAN
I ~oo RIVIlRPf..ACE ULvn.
slim 200
JACKSOl'/VlLlJ]. FLORIDA 32107
(904) 858-1300
WA1'S: 1-600-227-41H4
FAX; (904) 858-1355
July 24, 2002
Ms. Fluffy Bellus
Bellus Instirance Services
Post Office Box 1820
Winter Park, Florida 32790
Re: City of Winter Springs
Dear Fluffy:
.1
Thank y~u for the opportunity to quote on the City of Winter Springs. We must, however,
decline to quote, as our network cannot accommodate all of the employee locations_ I.
certainly look forward to working with you on future cases.
Warmest regards,
~
Missy S~
AvMEO-THE
HEALTH IMPROYP.MP.NT COMPANY
J p.1l\O (9/97)
JUL.~~.~~~c c:03PM
CIGNA HEALTHCARE
NO. 638
P.2/2
..
Lee Hoppez- .
New Business Manager ;
Sales
R~
CIGNA HealthCar-e
255 Pnmera Blvd
S4ite 26')
Litke Mary ilL 32746
TelepAone 407.833.3124
FlIC$Jmlle 407.833.3159
July 29, 2002
Fluffy Bellus
Bellus Insurance S4~rvices
P.O. Box 1820
Winter Park, FL 3:~790
RE: CItY OF 'WINTER SPRINGS
Dear Fluffy:
I regret that I am toWable to provicle you With a quote for the apove-referenced group due
to cUrrent medical conditions.
I appreciate your i~lterest in CIGNA HealthCare of Florida and look forward to a future
opportunity to wo)~k with YOQ.
Sincerely,
~e~~
New Business Manager
LH/dd
~.
AUG-01-2002 10:39
. BLUE CROSS BLUE SH I ELD
t 'f'-
+tt
Blue~o~sBlueSbield
of Florida
Health Options.
HHll:n OCJUON MlIlal"at'llnl. 8bo Crose IlVl nt.. r",..",
III"~ ..olMOPonoont ~ uf Ihcl BlUe Clor.c
Oftd~~~
August 1, 2002
Fluffy Bellus
Bellus ~urance
P.O. Box 1820
Winter Park, FL 32790
RE: City of Winter Springs
Dear Fluffy Bellus:
8636824179 P.02/02
Blue Cross and Blue Shield of Florida
and Health Options
Central Business Unit
. 3191 Maguire Boulevard. Suite 200
P.O. Box 149208
Orlando, Fl 32814-9208
Tel 407-894-7200
800-545-6565
Thank you for the' opportunity to quote benefits for the above mentioned group.
However, this group does not meet our Underwriting Guidelines at this time, due to the
following:
On-going medical conditions
Once again, we appreciate the opportunity to quote health, life and dental benefits for you
and your clientele.
If you have any questions, please feel free to contact me at 407-228-9202.
Sincerely,
~g
Marketing Representative
GE/je
7B4U01 R PS
TnTOI p e;o
AUi~OI-20~2 04:10am From-Customer Service
+4072453720
T-(~~ f".UUI/UUI r-uuu
DnitedHealthcare
I.ID ^ unileaHcalth Group CUflIPdOV
Decline to Quote Notification
l)l1itcaHealmcare
4'b NOrth Keller ROBo SUil~ ?OO M3lilaM FL ::lt/~l
Tel 800 B99 6500
William Abrahams, Key Accounts Executive
Phone: (407) 659-6964 Fax: (407) 659-6940
Chris Abney, New Business Coordinator
Phone: (407) 659-6966 Fax: (407 659-6940
e.mail: william_b_abrahams@uhc.com
e-mail: chris_m_abney@uhc.com
July 31, 2002
Fluffy Bel/us
Bellus Insurance" Services
P. O. Box 1820
Winter Park, Florida 32790
Fax: (407) 539.0798
Re: City of Winter Springs
Dear Fluffy:
Thank you for your proposal request on CUy of Winter Springs. Unfortunatefy, after a thorough evaluation of the
information provided, our decision is to decITne to quote at this lime. The reason for this declination is:
. Large, ongoing medical claims prevent underwriting from providing a quote.
We appreciate being given the opportunity to review this quote and we look forward to working with your offICe on
future prospects. If you have any questions or need assistance please contact your Key Accounts Executive or your
New Business Coordinator.
~'
William Abrahams
Key Account ExecutiVe
Revi~cd 06/011101
CITY OF WINTER SPRINGS
7/27102
~{
RATES
Lifetime Office Visit Prescription Out-of-Pocket Hospital Emergency Employee I I Children I
Deductible Maximum Coinsurance Copay Copay Limit Admission Copay Copay Spouse Family
CUrTent Plan CUrTent Rates j
Humana HMO #22 NA Unlimited NA $10 $5/$10/$25 $1500 / $3000 $0 $50 $224.63 $533.00 $533.00 $583.50
Renewal Rates
$310.42 $742.14 $742.14 $812.84
,
Humana HMO #22(RX4) NA Unlimited NA $10 $51 $15/ $35/ $100 $1500 / $3000 $0 $50 $308.89 $738.49 $738.49 $808.84
Humana HMO tn501(RX4) NA Unlimited NA $10/$20 $51 $15/ $35/ $100 $1500 / $3000 $100 per day $75 $298.02 $712.52 $712.52 $780.40 }
lsl 3 days lier admission
Humana HMO #7502(RX4}A NA Unlimited NA $15/ $25 $51 $15/ $35/ $100 $1500 / $3000 $250 per day $75 $291.32 I $696.50 $696.50 $762.85
lst3 days per admission
,
$1500 / $3000 I $282.16 I $674.59 $674.59 $738.86 j.
Humana HMO tn502(RX4)B NA Unlimtted NA $15/ $25 $10/ $25/ $50 / $100 $250 per day $75
1st 3 days per admission
,
Humana EPO #80002(RX4) $250 / $750 $2.000.000 10% $20 / $30 $51$15/$35/25% $2000 / $6000 $250 Per day $100 /10% $297.02 $710.10 $710.10 $777.76
1 st 5 days per admission
thef110%
Humana EPO #80003(RX4) $500 / $1500 $2.000,000 20% $20 / $30 $10/ $25/ $50 /25% $3000 / $9000 $500 per day $100 /20% $260.78 $623.47 $623.47 $682.87
1 st 7 days per admission
then 20%
CUrTent Plan Current Rates
Humana POS #41 NA-In Unlimited - In NA-In $15/$25-ln $5/ $10/ $25 $1500 / $3000 -In $100 per day. 5 day max - In $50 $239.62 $568.82 $568.82 $622.68
$400 / $800 - Out $1000ooo - Out 70/3O-0ut Deduct+3O% - Out $5000 / $1 OQOO.Out Deduct + 30% - Out Renewal Rates
$331.41 $792.29 $792.29 $667.69 ~
I
Humana POS #41(Rx4) NA-In Unlimited - In NA-In $15/$25-ln $5/ $15/ $35/ $100 $1500 / $3000 -In $100 per day. 5 day max - In $50 $329.88 $788.84 $788.64 $863.69
$400 / $800 - Out $1000000 - Out 70/3O-0ut Deduct+3O% - Out $5000 / $l00()().()ut Deduct + '30% - Out
;
Humana POS #42(Rx4) NA-In Unlimited - In NA-In $15/ $25-ln $5/ $15/ $35/ $100 $1500 / $3000 -In $300 per day.' 5 day max - In $50 $322.09 $770.04 $770.04 $843.39
$400 / $800 - Out $1000000 - Out 60/40-0ut Deduct+4O% - Out $5000 / $10000.out Deduct + 40% - Out
CUrTent Rates
Humana PPO $250 / $750 $5,000,000 9O/10-ln $15-ln $51$10/$25 $1000 / $2000 -In Deduct + 10% - Out Deduct + 10% +$501 $292.49 $698.24 $698.24 $764.64
70/3O-0ut Deduct + 30% - In $2000 / $4000 - Out Deduct + 30% - Out Deduct + 30% ' Out Renewal Rates
$409.48 I $977.55 I $977.55 I $1.070.51 it
Nationwide Public Trust NA-In NA-In $15/$25-ln $10/$20/$30 $1500 / $3000 -In $100 per day. 5 day max -In $50 $325.93 $779.18 $779.18 $853.13
(2yr rate & benefit guarentee) $400 / $800 - Out $1,000.000 70 /30 - Out Deduct+3O% - Out $5000 / $10000.out Deduct + 30% - Out 70% after $150
copay per visit
,
Nationwide Public Trust NA-In NA-In $10-ln $10/$20/$30 $1500 / $3000 -In $0 $50 $352.00 $841.51 $841.51 $921.38
(2yr rate & benefit guarantee) $400 / $800 - Out $1.000,000 70 /30 - Out Deduct+ 30% - Out $5000/ $looo0-0ut Deduct +,30% - Out 70% after $150
copay per visit
....- 3q "'(-
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po ;l. b
CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS. RENEW CURRENT PLAN HUMANA HMO #22
08/05/2002
MONTHLY PER EMPLOYEE
ANNUAL PER EMPLOYEE
ANNUAL EXPENSE
CATEGORIES
#
EMPLOYEES
CITY
~
%
l!f.J1=
EMPLOYEE % TOTAL
~ l!f.J1= PREMIUM
CITY
PAYS
EMPLOYEE TOTAL
PAYS PREMIUM
CITY
~
EMPLOYEE
~
TOTAL
PREMIUM
CURRENT PLAN + RATES
EMPLOYEE 180 $224.63 100.00% $0.00 0.00% $224.63 $2,695.56 $0.00 $2,695.56 $485.200.80 $0.00 $485,200.80
EMPLOYEE + CHILD 8 $312.01 58.54% $220.99 41.46% $533.00 $3,744.12 $2.651.88 $6,396.00 $29.952.96 $21,215.04 $51,168.00
EMPlOYEE + SPOUSE 16 $312.50 58.63% $220.50 41.37% $533.00 $3,750.00 $2,646.00 $6,396.00 $60,000.00 $42,336.00 $102,336.00
FAMilY 41 $325.54 55.79% $257.96 44.21% $583.50 $3,906.48 $3.095.52 $7,002.00 $160165.68 $126916.32 $287082.00
245 $735319.44 $190467.36 $925.786.80
OPTION #1
RENEW CURRENT PLAN
CITY ABSORBS INCREASE
EMPlOYEE 180 $310.42 100.00% $0.00 0.00% $310.42 $3.725.04 $0.00 $3,725.04 $670,507.20 $0.00 $670,507.20
EMPlOYEE + CHILD 8 $521.15 70.22% $220.99 29.78% $742.14 $6.253.80 $2,651.88 $8,905.68 $50,030.40 $21,215.04 $71,245.44
EMPLOYEE + SPOUSE 16 $521.64 70.29% $220.50 29.71% $742.14 $6.259.68 $2,646.00 $8,905.68 $100,154.88 $42,336.00 $142,490.88
FAMilY 41 $554.88 68.26% $257.96 31.74% $812.84 $6,658.56 $3,095.52 $9,754.08 $273000.96 $126916.32 $399 917.28
245 $1,093,693.44 $190,467.36 $1,284,160.80
$358,374.00 $0 $358.374.00
49% 0% 39%
increase inaease increase
OPTION #2
RENEW CURRENT PLAN
EMPLOYEE ABSORBS INCREASE
EMPLOYEE 180 $224.63 72.36% $85.79 27.64% $310.42 $2,695.56 $1.029.48 $3.725.04 $485,200.80 $185,306.40 $670,507.20
EMPLOYEE + CHILD 8 $312.01 42.04% $430.13 57,96% $742.14 $3.744.12 $5,161.56 $8,905.68 $29.952.96 $41.292.48 $71,245.44
EMPlOYEE + SPOUSE 16 $312.50 42.11% $429.64 57.89% $742.14 $3,750.00 $5.155.68 $8,905.68 $60,000.00 $82,490.88 $142,490.88
FAMilY 41 $325.54 40.05% $487.30 59.95% $812.84 $3,906.48 $5.847.60 $9.754.08 $160165.68 $239 751.60 $399.917.28
245 $735,319.44 $548,841.36 $1,284,160.80
$0 $358.374.00 $358,374.00
0% 188% 39%
increase increase inaease
OPTION #3
RENEW CURRENT PLAN
CITY PAYS 100% FOR EMPLOYEE ONlY-
AND MAINTAINS SAME PERCENTAGE
SHARE OF DEPENDENT COVERAGE AS
CURRENTlY BEARING
EMPlOYEE 180 $310.42 100.00% $0.00 0.00% $310.42 $3,725.04 $0.00 $3,725.04 $670,507.20 $0.00 $670.507.20
EMPlOYEE + CHILD 8 $434.45 58.54% $307.69 41.46% $742.14 $5,213.39 $3,692.29 $8,905.68 $41,707.08 $29,538.36 $71,245.44
EMPlOYEE + SPOUSE 16 $435.12 58.63% $307.02 41.37% $742.14 $5,221.40 $3,684.28 $8,905.68 $83,542.40 $58,948.48 $142,490.88
FAMilY 41 $453.48 55.79% $359.36 44.21% $812.84 $5.441.80 $4.312.28 $9,754.08 $223 113.85 $176 803.43 $399917.28
245 $1,018,870.53 $265,290.27 $1,284,160.80
Employee wI Child or Spouse will pay approx $87 or 39% Employee wI Child or Spouse will pay $283.551.09 $74,822.91 $358,374.00
more a month wi Option 3 approx $1,044 more a year w/Op! #3 39% 39% 39%
increase increase increase
Employees wI Family will pay approx $101 or 39% more Employee wI Family will pay approx
a month wi Ootion 3 $1 212 more a vear wlOol #3
OPTION 114
RENEW CURRENT PLAN
CITY PAYS 100% FOR EMPLOYEE ONLY-
AND 50% OF TOTAL OTHER COVERAGES
EMPLOYEE 180 $310.42 100.00% $0.00 0.00% $310.42 $3.725.04 $0.00 $3,725.04 $670.507.20 $0.00 $670.507.20
EMPLOYEE + CHILD 8 $371.07 50.00% $371.07 50.00% $742.14 $4,452.84 $4,452.84 $8,905.68 $35,622.72 $35.622.72 $71.245.44
EMPlOYEE + SPOUSE 16 $371.07 SO.OO% $371.07 50.00% $742.14 $4,452.84 $4,452.84 $8,905.68 $71,245.44 $71,245.44 $142,490.88
FAMilY 41 $406.42 50.00% $406.42 50.00% $812.84 $4,877.04 $4,877.04 $9.754.08 $199.958,64 $199958.64 $399917.28
245 $977.334.00 $306.826.80 $1,284.160.80
Employee wi Child or Spouse will pay approx $150 or 68% Employee wI Child or Spouse will pay $242,014.56 $116,359.44 $358,374.00
more a month wI Option 4 approx $1.800 more a year wlOpt #4 33% 61% 39%
;naease ;ncrease increase
Employees wI Family will pay approx $148 or 58% more Employee wI Family will pay approx
a month wI Oelion 4 $1 776 more a vear wlOet #4
OPTION #5
RENEW CURRENT PLAN
CITY PAYS 100% FOR EMPLOYEE.
EMPLOYEES COVER ALL DEPENDENTS
EMPLOYEE 180 $310.42 100.00% $0.00 0.00% $310.42 $3.725.04 $0.00 $3,725.04 $670,507.20 $0.00 $670,507.20
EMPLOYEE + CHilD 8 $310.42 41.83% $431.72 58.17% $742.14 $3,725.04 $5,180.64 $8,905.68 $29,800.32 $41,445.12 $71,245.44
EMPLOYEE + SPOUSE 16 $310.42 41.83% $431.72 58.17% $742.14 $3.725.04 $5.180.64 $8,905.68 $59,600.64 $82,890.24 $142,490.88
FAMilY 41 $310.42 38.19% $502.42 61.81% $812.84 $3,725.04 $6,029.04 $9,754.08 $152 726.64 $247190.64 $399917.28
245 $912,634.80 $371,526.00 $1,284,160.80
Employee wi Child or Spouse will pay approx $210 or 95% Employee wI Child or Spouse will pay $177.315.36 $181,058.64 $358.374.00
more a month wi Option 5 approx $2,520 more a year w/Op! #5 24% 95% 39%
;naease inaea58 inaease
Employees wi Family will pay approx $244 or 95% more Employee wI Family will pay approx
a month wi Ootion 5 $2 933 more a vaar wlOot #5
CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS. HMO 7501
08/05/2002
MONTHLY PER EMPLOYEE
ANNUAL PER EMPLOYEE
ANNUAL EXPENSE
CATEGORIES
#
EMPLOYEES
CITY
PAYS
%
of or em
EMPLOYEE % TOTAL
PAYS ~ PREMIUM
CITY
PAYS
EMPLOYEE
PAYS
TOTAL
PREMIUM
CITY
~
EMPLOYEE
~
TOTAL
PREMIUM
CURRENT PLAN + RATES
EMPLOYEE 180 $224.63 100.00% $0.00 0.00% $224.63 $2,695.56 $0.00 $2.695.56 $485.200.80 $0.00 $485.200.80
EMPLOYEE + CHILD 8 $312.Q1 58.54% $220.99 41.46% $533.00 $3,744.12 $2,651.88 $6,396.00 $29,952.96 $21.215.04 $51,168.00
EMPLOYEE + SPOUSE 16 $312.50 58.63% $220.50 41.37% $533.00 $3,750.00 $2,646.00 $6.396.00 $60,000.00 $42,336.00 $102,336.00
FAMilY 41 $325.54 55.79% $257.96 44.21% $583.50 $3.906.48 $3.095.52 $7,002.00 $160165.68 $126 916.32 $287082.00
245 $735319.44 $190467.36 $925 786.80
OPTION # 1
GO WITH HMO 7501
CITY ABSORBS INCREASE
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643.723.20 $0.00 $643,723.20
EMPLOYEE + CHilD 8 $491.53 68.98% $220.99 31.02% $712.52 $5,898.36 $2,651.88 $8,550.24 $47,186.88 $21,215.04 $68.401.92
EMPLOYEE + SPOUSE 16 $492.02 69.05% $220.50 30.95% $712.52 $5.904.24 $2.646.00 $8.550.24 $94,467.84 $42,336.00 $136,803.84
FAMilY 41 $522.44 66.95% $257.96 33.05% $780.40 $6.269.28 $3.095.52 $9.364.80 $257 040.48 $126916.32 $383 956.80
245 $1,042,418.40 $190,467.36 $1,232,885.76
$307.098.96 $0 $307.098.96
42% 0% 33%
increase increase increase
OPTION #2
GO WITH HMO 7501
EMPLOYEE ABSORBS INCREASE
EMPLOYEE 180 $224.63 75.37% $73.39 24.63% $298.02 $2.695.56 $880.68 $3,576.24 $485,200.80 $158,522.40 $643,723.20
EMPLOYEE + CHILD 8 $312.Q1 43.79% $400.51 56.21 % $712.52 $3,744.12 $4,806.12 $8.550.24 $29,952.96 $38,448.96 $68,401.92
EMPLOYEE + SPOUSE 16 $312.50 43.86% $400.02 56.14% $712.52 $3,750.00 $4,800.24 $8,550.24 $60.000.00 $76,803.84 $136.803.84
FAMILY 41 $325.54 41.71% $454.86 58.29% $780.40 $3.906.48 $5,458.32 $9,364.80 $160165.68 $223791.12 $383 958.80
245 $735.319.44 $497,566.32 $1,232,885.76
$0 $307,098.96 $307,098.96
0% 161% 33% I
increase increase increase
OPTION #3
GO WITH HMO 7501
CITY PAYS 100% FOR EMPLOYEE ONLY-
AND MAINTAINS SAME PERCENTAGE
SHARE OF DEPENDENT COVERAGE AS
CURRENTLY BEARING
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643.723.20 $0.00 $643,723.20
EMPLOYEE + CHILD 8 $417.11 58.54% $295.41 41.46% $712.52 $5,005.31 $3.544.93 $8,550.24 $40,042.48 $28,359.44 $68,401.92
EMPLOYEE + SPOUSE 16 $417.75 58.63% $294.77 41.37% $712.52 $5,013.01 $3,537.23 $8,550.24 $80.208.09 $58,595.75 $136,803.84
FAMILY 41 $435.39 55.79% $345.Q1 44.21% $780.40 $5,224.62 $4,140.18 $9.364.80 $214 209.50 $169747.30 $383 956.80
245 $978,183.27 $254,702.49 $1,232,885.76
Employee wi Child or Spouse will pay approx $74 or 34% Employee wi Child or Spouse will pay $242,863.83 $64,235.13 $307,098.96
more a month wi Option 3 approx $888 more a year wlOpl #3 33% 34% 33%
increase increase increase
Employees wi Family will pay approx $87 or 34% more Employee wi Family will pay approx
a month wi Option 3 $1 044 more a vear w/Opt #3
OPTION IU
GO WITH HMO 7501
CITY PAYS 100% FOR EMPLOYEE ONLY-
AND 50% OF TOTAL OTHER COVERAGES
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3,576.24 $643.723.20 $0.00 $643,723.20
EMPLOYEE + CHilD 8 $356.26 50.00% $356.26 50.00% $712.52 $4,275.12 $4,275.12 $8.550.24 $34.200.96 $34,200.96 $68,401.92
EMPLOYEE + SPOUSE 16 $356.26 50.00% $356.26 50.00% $712.52 $4,275.12 $4,275.12 $8.550.24 $68.401.92 $68.401.92 $136.803.84
FAMilY 41 $390.20 50.00% $390.20 50.00% $780.40 $4,682.40 $4,682.40 $9,364.80 $191978.40 $191 978.40 $383 956.80
245 $938,304.48 $294.581.28 $1,232.885.76
Employee wi Child 0' Spouse will pay approx $135 or 61% Emplo~e wi Child or Spouse will pay $202,985.04 $104.113.92 $307.098.96
more a month wi Option 4 approx $1,620 more a year w/Opt #4 28% 55% ,33%
increase increase increase
Employees wi Family will pay approx $132 or 51% more Employee wi Family will pay approx
a month wi Ootion 4 $1 584 more a vear wlOol #4
OPTION #5
GO WITH HMO 7501
CITY PAYS 100% FOR EMPLOYEE.
EMPLOYEES COVER ALL DEPENDENTS
EMPLOYEE 180 $298.02 100.00% $0.00 0.00% $298.02 $3,576.24 $0.00 $3.576.24 $643,723.20 $0.00 $643,723.20
EMPLOYEE + CHilD 8 $298.02 41.83% $414.50 58.17% $712.52 $3,576.24 $4,974.00 $8,550.24 $28,609.92 $39,792.00 $68,401.92
EMPLOYEE + SPOUSE 16 $298.02 41.83% $414.50 58.17% $712.52 $3,576.24 $4,974.00 $8,550.24 $57,219.84 $79,584.00 $136,803.84
FAMilY 41 $298.02 38.19% $482.38 61.81% $780.40 $3,576.24 $5.788.56 $9,364.80 $146625.84 $237330.96 $383956.80
245 $876,178.80 $356,706.96 $1.232,885.76
Employee wi Child or Spouse will pay approx $193 or 88% Employee wi Child or Spouse will pay $140.859.36 $166,239.60 $307,098.96
more a month wi Option 5 approx $2,316 more a yearwlOpl #5 19% 87% 33%
increase increase increase
Employees wi Family will pay approx $224 or 87% more Employee wi Family will pay approx
a month wi Oolion 5 $2 688 more a vear w/Oot #5
CITY OF WINTER SPRINGS
HEALTH INSURANCE ANALYSIS. HMO 7502B
08/05/2002 --
--.
MONTHLY PER EMPLOYEE
ANNUAL PER EMPLOYEE
ANNUAL EXPENSE
CATEGORIES
#
EMPLOYEES
CITY % EMPLOYEE % TOTAL
PAYS ~ ~ of Dr em ~
CITY EMPLOYEE TOTAL
PAYS PAYS PREMIUM
CITY
PAYS
EMPLOYEE TOTAL
~ f.!l.SM!lLM.
CURRENT PLAN + RATES
EMPLOYEE 180 $224.63 100.00% $0.00 0.00% $224.63 $2,695.56 $0.00 $2,695.56 $485,200.80 $0.00 $485,200.80
EMPLOYEE + CHILD 8 $312.01 58.54% $220.99 41.46% $533.00 $3,744.12 $2,651.88 $6,396.00 $29,952.96 $21,215.04 $51,168.00
EMPLOYEE + SPOUSE 16 $312.50 58.63% $220.50 41.37% $533.00 $3,750.00 $2,646.00 $6,396.00 $60.000.00 $42.336.00 $102,336.00
FAMILY 41 $325.54 55.79% $257.96 44.21% $583.50 $3.906.48 $3,095.52 $7,002.00 $160165.68 $126916.32 $287 082.00
245 $735319.44 $190467.36 $925 786.80
OPTION #1
GO WITH HMO 7502B
CITY ABSORBS INCREASE
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3,385.92 $0.00 $3,385.92 $609,465.60 $0.00 $609,465.60
EMPLOYEE + CHILD 8 $453.60 67.24% $220.99 32.76% $674.59 $5,443.20 $2.651.88 $8.095.08 $43,545.60 $21,215.04 $64,760.64
EMPLOYEE + SPOUSE 16 $454.09 67.31% $220.50 32.69% $674.59 $5,449.08 $2,646.00 $8,095.08 $87,185.28 $42,336.00 $129.521.28
FAMILY 41 $480.40 65.06% $257.96 34.94% $738.36 $5,764.80 $3,095.52 $8.860.32 $236 356.80 $126916.32 $363273.12
245 $976,553.28 $190,467.36 $1.167,020.64
$241,233.84 $0 $241,233.84
33% 0% 26%
inaease increase inaease
OPTION #2
GO WITH HMO 7502B
EMPLOYEE ABSORBS INCREASE
EMPLOYEE 180 $224.63 79.61% $57.53 20.39% $282.16 $2,695.56 $690.36 $3,385.92 $485,200.80 $124.264.80 $609,465.60
EMPLOYEE + CHILD 8 $312.01 46.25% $362.58 53.75% $674.59 $3,744.12 $4,350.96 $8,095.08 $29,952.96 $34,807.68 $64,760.64
EMPLOYEE + SPOUSE 16 $312.50 46.32% $362.09 53.68% $674.59 $3.750.00 $4,345.08 $8.095.08 $60,000.00 $69,521.28 $129,521.28
FAMILY 41 $325.54 44.09% $412.82 55.91% $738.36 $3,906.48 $4.953.84 $8.860.32 $160165.68 $203107.44 $363273.12
245 $735,319.44 $431,701.20 $1,167,020.64
$0 $241,233.84 $241,233.84
0% 127% 26% I
increase increase increase
OPTION #3
GO WITH HMO 7502B
CITY PAYS 100% FOR EMPLOYEE ONLY.
AND MAINTAINS SAME PERCENTAGE
SHARE OF DEPENDENT COVERAGE AS
CURRENTL Y BEARI~G
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3,385.92 $0.00 $3,385.92 $609,465.60 $0.00 $609,465.60
EMPLOYEE + CHILD 8 $394.90 58.54% $279.69 41.46% $674.59 $4,738.86 $3,356.22 $8.095.08 $37,910.88 $26,849.76 $64,760.64
EMPLOYEE + SPOUSE 16 $395.51 58.63% $279.08 41.37% $674.59 $4.746.15 $3.348.93 $8.095.08 $75,938.33 $53,582.95 $129,521.28
FAMILY 41 $411.93 55.79% $326.43 44.21% $738.36 $4,943.17 $3,917.15 $8,860.32 $202670.07 $160603.05 $363273.12
245 $925,984.88 $241.035.76 $1,167,020.64
Employee wi Child or Spouse will pay approx $59 or 27% Employee wi Child or Spouse 1M1I pay $190.665.44 $50,568.40 $241,233.84
more a month wi Option 3 approx $708 more a year wlOpt #3 26% 27% 26%
inaease inasa58 increase
Employees wi Family will pay approx $68 or 27% more Employee wi Family 1M1I pay approx
a month wi Ootion 3 $816 more a vear w/Oot #3
OPTION IU
GO WITH HMO 75026
CITY PAYS 100% FOR EMPLOYEE ONLY.
AND 50% OF TOTAL OTHER COVERAGES
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3,385.92 $0.00 $3,385.92 $609,465.60 $0.00 $609,465.60
EMPLOYEE + CHILD 8 $337.30 50.00% $337.30 50.00% $674.59 $4,047.54 $4.047.54 $8,095.08 $32,380.32 $32,380.32 $64,760.64
EMPLOYEE + SPOUSE 16 $337.30 50.00% $337.30 50.00% $674.59 $4,047.54 $4.047.54 $8.095.08 $64.760.64 $64.760.64 $129,521.28
FAMILY 41 $369.18 50.00% $369.18 50.00% $738.36 $4,430.16 $4,430.16 $8.860.32 $181,636.56 $181 636.56 $363273.12
245 $888,243.12 $278,777.52 $1.167.020.64
Employee wi Child or Spouse will pay approx $116 or 53% Employee wi Child or Spouse 1M1I pay $152.923.68 $88,310.16 $241,233.84
more a month wI Option 4 approx $1.392 more a year wlOpt #4 21% 46% 26%
increase increase increase
Employees wi Family 1M1I pay approx $111 or 43% more Employee wi Family 1M1I pay approx
a month wi Ootion 4 $1 332 more a vear w/Oot #4
OPTION #5
GO WITH HMO 7502B
CITY PAYS 100% FOR EMPLOYEE.
EMPLOYEES COVER ALL OEPENDENTS
EMPLOYEE 180 $282.16 100.00% $0.00 0.00% $282.16 $3.385.92 $0.00 $3.385.92 $609,465.60 $0.00 $609,465.60
EMPLOYEE + CHILD 8 $282.16 41.83% $392.43 58.17% $674.59 $3,385.92 $4.709.16 $8.095.08 $27,087.36 $37,673.28 $64,760.64
EMPLOYEE + SPOUSE 16 $282.16 41.83% $392.43 58.17% $674.59 $3,385.92 $4,709.16 $8,095.08 $54,174.72 $75,346.58 $129,521.28
FAMILY 41 $282.16 38.21% $456.20 61.79% $738.36 $3,385.92 $5,474.40 $8.860.32 $138 822.72 $224 450.40 $363273.12
.245 $829,550.40 $337,470.24 $1.167.020.64
Employee wi Child or Spouse will pay approx $171 or 78% Employee wi Child or Spouse will pay $94,230.96 $147,002.88 $241,233.84
more a month wi Option 5 approx $2,052 more a year wlOpl #5 13% 77% 26%
increase inaease increase
Employees wi Family 1M1I pay approx $198 or 77% more Employee wi Family 1M1I pay approx
a month wi Ootion 5 $2 376 more a vear w/Oot #5
-; __/ ~""'-.i
CONCESSION OPERA TON PROFITS/LOSS
1995
-16,982
1999
-12,944
1996
-18,403
2000
-3,911
1997
-8,931
1998
-13,285
2001
-8,647
2002 To-Date
-7,363
Both the little league and the Youth Soccer Group are interested in running the respective Concession
Stands.
Both begin playing their Fall Leagues this month. They are Mid-Season October 1, 2002. The Leagues
end at the end of November 2002. There are no league games during the month of December 2002. This
would be an ideal transition month from City Operation to Leagues Operation. Leagues begin in January
2003.
The current Concession Manager would transfer into a Full Time Maintenance Worker Position Vacancy
effective December 2, 2002 or another Full Time City Vacancy.
Staff will put together for our City Attorney and League Review an Agreement that will cover:
1. The Leagues must have a PT paid Concession Manager who runs their operation and supervises
volunteers and communicates with the city Concession Representative.
2. The concession must be open for all events at the facility even Adult Sports and other
Organization or Rental Group Activities (4-10pm, M-F, Saturday and Sunday 8am-10pm).
3. 20% of Gross Sales come to City and 10% Gross Sales to an Escrow account to fix City
Equipment.
4. Leagues pay City Electric and Water bills. Phones if needed will be put in and paid for by the
Leagues.
5. City will monitor Contracts and Operation through a PT Concession Contract Monitor
6. Staff will bring 1 year agreement to City Commission in SepVOct.
Funding needed for FY2002l03
2 month current Concession Operation
10 Month PT Contract Monitor
($ 8.00 hr. x 30 hrs. wk. x 40 weeks) =
Total Expenses
$ 23,682
$ 9.600
$ 33,282
Projected Revenue
City Operation 2 months
Leagues Operation 9 months
(Total $ 80,000-20% to city = $ 16,000)
$ 17,000
$ 16.000
Total Projected Revenue
$ 33,000
""..; ~:..
CITY OF WINTER SPRINGS
PARKS & RECREATION CONCESSIONS
Contractual Manager (PT Funding Needed)
December - September
Concession Hours: Monday - Friday
Saturday
Sunday
4:00pm - lO:OOpm
8:00am - lO:OOpm
12:00pm - lO:OOpm
SUPERVISES THESE JOB FUNCTIONS:
RESPONSIBILITIES:
o Trains all volunteers and Concession Coordinator for Youth
Organization.
o Monitors Sports Programs and Personnel. Resolves problems and
disputes with public.
o Insures that the City of Winter Springs Parks and Recreation Rules
are observed.
o Enforces Park and Facility. Rules in a courteous manner.
o Coordinates all Tournaments, Leagues and Special Events with the
Youth Organization.
o Sets schedules for Part-time Sports Monitors.
o Checks and verifies funds received are accurate.
o Does spots checks of operation for cleanliness, food handling
practices and food sold.
o Submits reports to the Leagues Concession Managers with issues and
concerns to address and follow-up with phone call and meetings.