HomeMy WebLinkAbout2007 07 16 Regular 601 Approval of Health Insurance Plan and Provider for FY 08
COMMISSION AGENDA
ITEM 601
Consent
Informational
Public Hearin
Re ular
x
July 16, 2007
Special Meeting
MG.f-J-\. /DEPT. ~
Authorization
REQUEST:
City Manager requesting the City Commission to approve the Health
Insurance Plan and Provider for FY 08.
PURPOSE:
This agenda item is needed for the City Commission to choose a health insurance
plan design it deems appropriate and the provider for FY 08.
CONSIDERATIONS:
Health insurance cost containment continues to be a challenge for employers as premiums
continue to rise, faster than inflation and wage growth. Initial data provided by the City's current
insurance provider, United, indicated costs to continue the City's current health plan would
increase by 34% for FY 2008.
As shown below, health insurance premiums, including payment for employees and dependent
subsidies, currently cost the City approximately $1.45M annually and would increase to $1.94M
annually if the current health plan is continued with United, as follows:
FY 2007 Budget
FY 2008 with United
FY 2008 Budget
Shortfall from Budget*
Total Cost
$1,450,927
$1,944,242
$1,706,713
($237,529)
$ Increase
(over FY 2007)
% Increase
(over FY 2007)
$493,315
$255,786
34%
18%
*FY 2008 United Plan VS. FY 2008 Budget ($1,944,242 - $1,706,713 = $237,529)
Therefore, in an effort to mitigate this significant cost increase while continuing to provide
acceptable benefit levels for our employees, the City's insurance broker solicited competitive
proposals for health insurance coverage for FY 2008. Quotes were solicited to 1) continue our
current plan design and 2) provide for optional cost-mitigation plan designs.
81 plan designs were received and analyzed and subsequently reduced by our agent to a "short
list", provided in Attachment 1. From this short list, Aetna was the low bidder. As requested,
Aetna submitted plan designs to continue our current plan design and to provide for a similar
plan with increased co-pays and out-of-pocket limits to thusly reduce premiums. These
submittals are summarized in Attachment 2.
Aetna has also proposed an option for the City to reduce its FY 2008 premiums if the City
chooses to utilize Aetna's Voluntary Dental benefits. This reduction amounts to approximately
1.5% in premium savings, thus reducing the total premium increase for employee coverage, from
FY 2007 to FY 2008, from 6.42% to 4.83%. This Aetna Dental Plan has been analyzed and
found to provide similar or better coverage and rates to our current voluntary dental plan.
United, in addition to its proposal to continue its current plan design, also provided alternative
plan designs with reduced benefits and associated premium reductions. However, these benefit
reductions were extremely severe and could potentially result in significant financial hardships
on our employees. Therefore, it appears that the Aetna proposal is the more favorable and cost-
effective alternative.
Cost impacts of the Aetna Proposals in comparison to our Current Plan are shown in Attachment
4 and summarized as follows (Premium savings associated with utilizing the Aetna Dental plan
are included):
1. Aetna-A (Proposed BASE PLAN)
Total monthly premiums under this plan are as follows:
· For Employee Coverage:
· For Employee & Spouse Coverage:
· For Employee & Child Coverage:
· For Family Coverage:
$380.69
$901.01
$901.01
$983.76
If the Commission chooses this plan, monthly premium increases per employee would
be:
To the Employee:
· For Employee Coverage:
· For Employee & Spouse Coverage:
· For Employee & Child Coverage:
· For Family Coverage:
$0
$11.18
$11.18
$13.23
To the City:
· For Employee Coverage:
· For Employee & Spouse Coverage:
· For Employee & Child Coverage:
· For Family Coverage:
$17.54
$21.89
$21.89
$22.69
0%
3.03%
3.03%
3.11 %
4.90%
4.38%
4.38%
4.35%
Total annual cost increase to the City over FY 07 would be approximately $70,000 under
this plan.
2. Aetna-B (Proposed BUY UP PLAN - similar to our current United Plan)
This plan would offer employees the option to "buy up" from the base Aetna-A plan to
the increased benefits of the Aetna-B plan. Those benefits under the Aetna-B plan are
similar to the City's current United base plan. The cost delta between the Aetna-A plan
and Aetna-B plan is born by the employee.
Buy up costs to the employee per month are as follows:
· For Employee Coverage:
· For Employee & Spouse Coverage:
· For Employee & Child Coverage:
· For Family Coverage:
$35.02
$83.11
$83.11
$90.76
FUNDING:
Funding for the City's share of the health insurance plan chosen by the City Commission is
included in the City's FY 08 Budget.
RECOMMENDATION:
The City Manager recommends the City Commission take the following actions:
1. Select the low bidder Aetna as the City's Health Insurance provider for FY 2008.
2. Select Aetna as the City's voluntary Dental provider for FY 2008 which affords the City and
employees an additional health insurance premium savings.
3. Select the Aetna-A plan option, which provides slightly increased co-pays and out-of-pocket
deductibles from our current plan, as the City-paid "base" plan. Offer the Aetna-B plan,
which provides coverage similar to our current pla.n design, as an employee buy up option.
ATTACHMENTS:
1. Attachment 1:
2. Attachment 2:
3. Attachment 3:
4. Attachment 4:
5. Attachment 5:
Health Insurance Bid Responders "Short List."
Aetna Plans Summary
United Health Insurance Plans Summary
Analysis of FY 2007 vs. FY 2008 Premiums
FY 2008 Proposed Premium Tables
COMMISSION ACTION:
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(5
I-
CITY OF WINTER SPRINGS
HEALTH INSURANCE PREMIUMS
**EFFECTIVE 10/1/2007**
FINAL
ATTACHMENT 5
MONTHLY
EMPLOYEE & EMPLOYEE & EMPLOYEE &
EMPLOYEE SPOUSE CHILD FAMILY
AETNA-A
EMPLOYEES PAY $5 FOR EMPLOYEE COVERAGE
OPT OUT OF PLAN ALLOWABLE - CITY INCENTIVE TO EMPLOYEE $100/MONTH
CITY PAYS FLAT AMOUNT HMO FOR EMPLOYEE $375.69 $375.69 $375.69 $375.69
CITY SUBSIDY FOR DEPENDENT COVERAGE $0.00 $145.69 $145.69 $168.86
TOTAL CITY PA Y $375.69 $521.38 $521.38 $544.55
EMPLOYEE PAYS FOR EMPLOYEE $5.00 $5.00 $5.00 $5.00
EMPLOYEE PAYS FOR DEPENDENT COVERAGE $0.00 $374.63 $374.63 $434.21
TOTAL EMPLOYEE PA Y $5.00 $379.63 $379.63 $439.21
TOTAL PREMIUM $380.69 $901.01 $901.01 $983.76
EMPLOYEE PAYS BI-MONTHLY (2 SKIP WEEKS) - 24 PAYMENTS IN TOTAL $2.50 $189.82 $189.82 $219.61
EFFECT ON EMPLOYEES $ MORE (LESS) $0.00 $11.18 $11.18 $13.23
EFFECT ON EMPLOYEES $ MORE (LESS) 0.00% 3.03% 3.03% 3.11%
EFFECT ON CITY PER EMPLOYEE $ MORE (LESS) $17.54 $21.89 $21.89 $22.69
EFFECT ON CITY PER EMPLOYEE $ MORE (LESS) 4.90% 4.38% 4.38% 4.35%
MONTHLY
EMPLOYEE & EMPLOYEE & EMPLOYEE &
EMPLOYEE SPOUSE CHILD FAMILY
AETNA-B
EMPLOYEES PAY $40.02 FOR EMPLOYEE COVERAGE
OPT OUT OF PLAN ALLOWABLE. CITY INCENTIVE TO EMPLOYEE $100/MONTH
CITY PAYS FLAT AMOUNT HMO FOR EMPLOYEE $375.69 $375.69 $375.69 $375.69
CITY SUBSIDY FOR DEPENDENT COVERAGE $0.00 $145.69 $145.69 $168.86
TOTAL CITY PA Y $375.69 $521.38 $521.38 $544.55
EMPLOYEE PAYS FOR EMPLOYEE $5.00 $5.00 $5.00 $5.00
EMPLOYEE BUY-UP FOR AETNA-A PLAN $35.02 $83.11 $83.11 $90.76
EMPLOYEE PAYS FOR DEPENDENT COVERAGE $0.00 $374.63 $374.63 $434.21
TOTAL EMPLOYEE PA Y $40.02 $462.74 $462.74 $529.97
TOTAL PREMIUM $415.71 $984.12 $984.12 $1,074.52
EMPLOYEE PAYS BI-MONTHL Y (2 SKIP WEEKS) - 24 PAYMENTS IN TOTAL $20.01 $231.37 $231.37 $264.99
EFFECT ON EMPLOYEES $ MORE (LESS) $35.02 $94.29 $94.29 $103.99
EFFECT ON EMPLOYEES $ MORE (LESS) 700.40% 25.59% 25.59% 24.41 %
EFFECT ON CITY PER EMPLOYEE $ MORE (LESS) $17.54 $21.89 $21.89 $22.69
EFFECT ON CITY PER EMPLOYEE $ MORE (LESS) 4.90% 4.38% 4.38% 4.35%
U:\docs\excel\HR\Aetna Health Insurance Premiums 10-01-07