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2015 RENEWAL OPTIONS a�UT JOINT i'lAY,'E, P% TRUST Renewal Renewal Renewal Renewal Current Option 1 Option • 1 Option 4 credit 1% employee minimum for participation 1 sessions • Single $705.20 $788.65 $774.75 $774.75 $760.84 Employee/Spouse $1,297.20 $1,451.69 $1,425.95 $1;425.95 $1,900?0 Employee/Child(ren) $1,150.76 $1,287.68 $1,264.86 $1,264.86 $1,242.04 Family ~1 555.26 $1,740.72 $1,709.81 $1,709.31 $1,67S.90 Medicare Retiree Single $268.88 $299.98 $294.79 $294.79 $289.61 Medicare Retiree 2 Party $538.30 $601.73 $591.16 $591.16 16 4580.55 Retiree 2 Party 1<1>65 $921.32 $1,030.71 $1,012.48 $1,012.43 $994.25 "The reductions/credits for the decreased renewal rate options require acceptance of the renewal by May 1,2015. Please clearly indicate which option you are choosing to renew under. The 70%participation requirement applies to employees covered under the Health Plan. Thank you for allowing us to serve you this year. We appreciate your business and have enjoyed working with your organization. We look forward to providing you with our high level of service during the upcoming year. Please indicate your acceptance of the renewal offer below. Option 1 ❑ Option 2 ❑ Option 3 ❑ Option 4 ❑ By Date Jefferson County Please send signed/dated renewal to your Agent or Broker,or to: EBMS,Inc. Attention:Brendan Hanley,Account Manager PO Box 21367 Billings,MT 59104-1367 Or fax to Brendan at(406)652-5380 ` / INNOVATV- GARY F"LUTZEL 1345 BWEGRASS DRIVE EAST 0 406.208.9885 BIWNGS,MT 59106 0 406.651.0380 JPT is committed to providing employees of Montana and Wyoming public service agencies with cost-effective group health benefits plans. Renewalfor Jefferson County Effective Date: July 1, 2015 Prepared by EBMS on behalf of the IPT The JPT is inore than just a Benefits Provider 6 ! a�UT JOINT - V. [-P-- TRUST The Joint Powers Trust (JPT) is a non-profit health benefits trust. The JPT was founded in 1988 by a group of counties in Montana who sought long-range stability for health benefits coverage for employees and their dependents. Today, the JPT provides quality, comprehensive benefit offerings to more than 9,000 members throughout Montana and Wyoming. . • More than just a benefits provider... We understand the cost drivers of health care • today and have responded with comprehensive quality benefit offerings which help our Plans— and their members— effectively mitigate rising health care costs. While the JPT provides benefit programs that focus on individuals who have been • diagnosed with a chronic health condition or have been hospitalized for an illness, we are • also concerned with providing programs . . which focus on preventive health strategies. • Determinants of Health Status # It :;i • • 50% z.. x 40% + a"a 30% 20% • ses '� iet« is 10% 0% Do- • r 1 Access to Genetics Environment Behavior Care Source: Center for Disease Control and Prevention The JPT H.E.A.L.T.H Program The H.E.A.L.T.H program(Helping Employees Achieve Long-term Health) provides preventive health education and resources which are customized to help your improve and maintain good health. Our program Helping will help you identify areas within your life which have Employees a positive — or negative — impact on your health and Achieve help you establish goals to improve your overall health status. Improved health results in fewer claims and Long-term overall health expense. Better health status results in Health lower premiums, leaving you with more money to do the thines you eniov! r JOINT TRUST Jefferson County's health plan is due to renew on a fully pooled basis with the Joint Powers Trust on July 1, 2015. The required increase in premiums for your group is warranted on a blend of your group's experience and the experience of the entire JPT pool. The actual weight given to your groups experience depends on the group's size. Trends in Health Care Costs Stabilize Your Risk... National health benefit plan costs continue to climb every year. Reasons for this increase include an aging All claims experience in excess of$30,000 is fully pooled population, swelling medical technology costs, growing among the JPT groups. Therefore, your organization is less likely to be adversely affected by an employee with hospital expenditures, rising prices and utilization of prescription drugs, poor lifestyle choices, and medical large claims.The pooling of experience ensures consistent malpractice costs. rate adjustments and guards against the unpredictability that results when a plan stands alone.Without the benefit The Joint Powers Trust must fund this annual inflation in of pooled claims, groups tend to experience greater order to remain solvent and continue to pay claims. fluctuation in rates, where one year's increase is Historically, the JPT average rate increase has remained incredibly high,but the next may be extremely low. The well below that of the national trend. The JPT combats JPT also uses a fiscally sound approach to the proposal these rising costs by acknowledging the biggest cost and renewal processes. The JPT does not use artificially drivers, such as covered participants with chronic low premium proposals in order to attract new business, conditions and member lifestyles, and offering services nor are irresponsibly low renewals offered in order to such as the H.E.A.L.T.H. program, the Health Impact retain business. Program (which seeks to manage those with chronic The JPT offers a reliable solution and long-term approach. conditions), large case management, and aggressive In order to instill stability,every group that joins the JPT hospital provider contracts to control them. is asked to participate for a minimum of 3 years. Thereafter, participation in the JPT is one-year Health Care Reform commitments. The JPT offers very low overhead and The Joint Powers Trust continues to closely monitor the administrative costs, thereby allowing the bulk of developments surrounding the Health Care Reform premiums to be applied towards claims payment. legislation passed in March of 2010. There is still much that is unclear, as the governmental departments and agencies responsible for the enforcement of specific sections of the new laws continue to provide further guidance and issue the final, written regulations. The new requirements continue to become effective as we move through 2015 and beyond. The JPT and EBMS will keep all client groups informed of any required plan changes as these issues are clarified