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DEPT HEAD 2019 03-05 INSURANCE MEETING INSURANCE MEETING March 5,2019 Present: Commissioners: Leonard Wortman, Cory Kirsch and Bob Mullen, Personnel Officer, Kellie Doherty, County Attorney, Steve Haddon, Union Representatives, Deb Rennie and Eric Rykal. Also present were representatives of the Leavitt Group, Sarah Harne and Brett Fellows, and Brendan Hanley from EBMS. Discussion was held regarding concerns on the cost of health insurance for employees with children and family plans. Doherty and Hanley discussed several different options. The county can offer the current plan along with several plan options that have higher deductibles. The county will lose the"grandfather plan"we currently have but will have a plan with minimal changes and better benefits. Losing the "grandfather plan"will have no impact on ACA reporting. The county will lose the caps on wellness, caps will be imposed on maximum out of pocket for families and a price adjustment will happen. EBMS has not heard what the price increase will be for health insurance next year but they think it should be in the range of five to six percent. JPT allows some flexibility in what plans are offered. EBMS suggested offering the employees three plans. Employees can change plans at the start of each plan year. Discussion was held on HSA plans and medical flex plans. The county currently offers a medical flex plan. If an employee is currently in the medical flex plan they are locked into that plan and can't change to an HSA plan until July 1, 2020. w,:aitettifi ATTEST: ,����\�' Bonnie Ramey eonard Wortman, Chairman Clerk and Recorder dA.•)( Cory Kirsch, Commissioner Bob Mullen, Commissioner Brendan Hanley From: Brendan Hanley Sent: Monday, December 24, 2018 10:55 AM To: 'Kellie Doherty' Subject: RE: phone message Good Morning Kellie, Sorry for the delay on these! Here is an estimate of what we would be looking at for a few different plan options. These are based on the current rates, so when we look at the rates for July, we would apply the renewal increase, plus an additional 2-3 percentage points for the issues we discussed last week—the adverse selection associated with the multiple options, as well as the fact that the plans would lose the Grandfathered status that your plan currently has(this is a piece of the ACA legislation that puts certain requirements on health plans—the County has maintained this Grandfather status to date,which has allowed us to not implement a few items that the vast majority of other plans have had to change for compliance purposes). This is all confusing, so let me know of you want to schedule another quick call to discuss. Here are the estimated rates I come up with using your current plan and rates as the base: Employee/ Employee/ Medicare Medicare Single Spouse Child(ren) Family Single 2-party 1<1>65 Current Plan $ 996.83 $ 1,844.61 $ 1,631.46 $ 2,210.64 $ 374.75 $ 764.38 $ 1,387.63 $1,000 Deductible $ 954.96 $ 1,767.14 $ 1,562.94 $ 2,117.79 $ 359.01 $ 732.28 $ 1,329.35 HDHP $2700; 100% $ 739.65 $ 1,368.70 $ 1,210.54 $ 1,640.29 $ 278.06 $ 567.17 $ 1,029.62 HDHP $3,500; 100% $ 678.84 $ 1,256.18 $ 1,111.02 $ 1,505.45 $ 255.20 $ 520.54 $ 944.98 The top rates are the rates currently in place for your$400 deductible, 80%coverage/20%coinsurance, $1,500 max out-of-pocket (after the deductible) plan. The second plan would match the current plan, but with a $1,000 deductible (i.e. also 80%coverage/20%coinsurance, $1,500 max out-of-pocket after deductible). The third option is an HSA-qualified HDHP plan with $2,700 deductible, which pays 100%after the deductible. The fourth option is also an HSA- qualified HDHP plan with a $3,500 deductible. On the 2 HDHP options, preventive services and preventive drugs would be covered at 100%with no deductible. Again, let me know if you would like to schedule some time to talk through these. Have a Merry Christmas! Thank you, Brendan Hanley Account Manager I EBMS I www.ebms.com t: 800.777.3575 ext. 1292 I d:406.869.6534 I f:406.652.5380 I e: bhanley@ebms.com 2075 Overland Avenue I PO Box 21367 I Billings, MT 59104-1367 1 Kellie Doherty From: Brendan Hanley <bhanley@ebms.com> Sent: Monday, December 24, 2018 11:56 AM To: Kellie Doherty Subject: RE: phone message Follow Up Flag: FollowUp Flag Status: Flagged Hello Kellie, The most prominent issue that impacts the pricing are the caps you have on the current plan for the 100% preventive benefits— the$500 cap on general preventive and$1,500 on routine colonoscopies. We would also need to impose a cap on the maximum out-of-pocket for families—you currently have a $1,500 maximum for each covered person—we would need to put in a cap on family OOP at$10,450, inclusive of deductibles (which don't apply to the$1,500 on individual covered members). Thank you, Brendan Hanley Account Manager 1 EBMS I www.ebms.com t:800.777.3575 ext. 1292 I d:406.869.6534 I f:406.652.5380 ( e: bhanley@ebms.com 2075 Overland Avenue I PO Box 21367 I Billings, MT 59104-1367 ebmsit From: Kellie Doherty [mailto:kdoherty@jeffersoncounty-mt.gov] Sent: Monday, December 24, 2018 11:09 AM To: Brendan Hanley Subject: RE: phone message Brendan: Thank you!! I think this is exactly what we were looking for. I will forward this on to my Commissioners to review and we will get back to you after the holidays. In the meantime, can you please let me know what the "grandfathered" aspects of our plan we would lose if we implemented this new plan with options? Thanks again!! Kellie From: Brendan Hanley<bhanley@ebms.com> Sent: Monday, December 24, 2018 10:55 AM To: Kellie Doherty<kdoherty@jeffersoncounty-mt.gov> Subject: RE: phone message Good Morning Kellie, 1