HomeMy WebLinkAbout07. 19-520 SEPTEMBER 24, 2019 19-520 RESOLUTION
(CARRIED 6-0 LOST LAID OVER WITHDRAWN )
PURPOSE: APPROVE EMPLOYEE HEALTH INSURANCE AGREEMENT
WITH ROSIN HEALTH PARTNERS AND DENTAL INSURANCE
AGREEMENT WITH DELTA DENTAL OF WISCONSIN
INITIATED BY: ADMINISTRATIVE SERVICES
WHEREAS, the City of Oshkosh requested proposals for Employee Health
Insurance for 2020; and
WHEREAS, the proposal submitted by Robin Health Partners meets the
requirements of the request for proposals, will allow the City of Oshkosh to realize cost
savings over the current City plan, and provide minimal disruption to employee-
provider relationships; and
WHEREAS, Delta Dental of Wisconsin offers the most advantageous Dental plan
to meet the City's requirements.
NOW, THEREFORE, BE IT RESOLVED by the Common Council of the City of
Oshkosh that the proper City officials are hereby authorized to enter into and take those
steps necessary to implement an appropriate agreement with Robin Health Partners for
participation in the Robin Health Partners health benefit plan with costs and coverage as
generally outlined in the attachment to this resolution.
BE IT FURTHER RESOLVED that the proper City officials are hereby authorized
to enter into and take those steps necessary to implement an appropriate agreement with
Delta Dental of Wisconsin for participation in the Delta Dental of Wisconsin dental plan
in substantially the same form as the existing agreement and endorsements, any changes
in the execution copy being deemed approved by their signatures.
BE IT FURTHER RESOLVED that money for this purpose is hereby appropriated
from:
Acct. Nos. XXX-XXXX-6306-XXXXX Health Insurance
XXX-XXXX-6308-XXXXX Dental Insurance
eLes
City
of W
Oshkosh
TO: Honorable Mayor and Members of the Common Council
FROM: John Fitzpatrick, Assistant City Manager/Director of Administrative Services
DATE: September 17, 2019
RE: Employee Health and Dental Insurance Agreements
BACKGROUND
As Council is aware, through your direction and as a matter of good practice, the City regularly
reviews our contract agreements and benefit structures in order to provide the best benefits
possible for our staff at the most cost effective level possible for our taxpayers.With these thoughts
in mind, and in consideration of the expiration of our agreements with Anthem BlueCross
BlueShield and Delta Dental of Wisconsin at the end of 2019, city staff and Associated Benefits Risk
and Consulting (ABRC)have been taking the appropriate steps to establish relationships with
providers for health and dental benefits for 2020.
ANALYSIS
After evaluating current medical plan costs the decision was made to conduct a comprehensive
request for proposals(RFP). The best option illustrated by the RFP and corresponding analysis
was a 7.18% decrease, available through Robin Health Partners. The decrease represents a
significant change from the 3.8%increase we discussed with Council at Budget Workshop#1.This
renewal option also provides minimal disruption to our employees when considering the
providers they currently have established relationships with.
The dental plan was also assessed and the vendor with the most effective plan for the City
continues to be our current provider,Delta Dental of Wisconsin. The projected increase for dental
services in 2020 is 0%.This was also a decrease from the projected 3%increase discussed at Budget
Workshop #1. Robin and Delta agreements/applications are for 2020 only.
FISCAL IMPACT
Staff is estimating a 7.18% decrease which equates to approximately $592,000 for our combined
health program in 2020 and a zero percent(0%) change for our dental program in 2020.
Although the city employee focus group on health insurance, staff and City Manager Rohioff are
pleased with the outcome of this year's process, all parties understand that it will be necessary to
evaluate our plan in 2020 due to the one year agreement in order to consider what changes may
be necessary in order to preserve the best benefits possible for our staff at the most cost effective
level possible for our taxpayers moving forward.
RECOMMENDATION
Based on the analysis conducted, staff recommends approval of the aforementioned employee
health and dental insurance agreements with Robin Health Partners and Delta Dental of
Wisconsin.
Please let me know if you have any questions regarding this matter and thank you as always for
your assistance and support.
Respectfully Submitted, Approved:
0, /
John M. Fitzpatrick Mark A.Rohioff
Assistant City Manager/ City Manager
Director of Administrative Services
Attachments: Health Insurance RFP Summary
Associated Benefits and Risk Consulting Confirmation Email
cc: Michelle Behnke, HR Manager
2
City of Oshkosh
"\Associated GROUP MEDICAL INSURANCE
Effective Date: 01/01/2020
Benefits end Risk Consulting
2020CMIIIIIIIIIIIII 2020
Carder Anth.•nlev w�AnthrntA® Inl•n,rni, Robin 7=11.1.117
I-I T WPS ",e..■semeil SlabI raitII �� ,.,u:,, r
Platform l Network , WCIC WCIC ®® Pren4.r Prenier HMO HMO Focused Focused Choice Plu _Essential PPO Essential PPO Salewld.Plan Custom Custom �� HMO HMO Family Savings Family Ssvin;s PPO PPO PPO IMErri0
IcB_UeneRts Cd on
GE
.._
COVERA BASICS - `: - � ^win*�°'4•:+ `f gr w-a rbYwis� >; a
In-tieework 80110 $500111,000 • 82/10 S500111,000 10 ISO 8600111,000 801 60 1500 111 000 SO I w r 1500/81,000 10 1 SD 8500I$1,000 10/10 MOO$1,000 301 80 8500111,000
Deducl?Ne I6mgle I Family)
Outat-14e000rk MOO 111.200 11,000112,000 1600131,200 31,000/12,000 Ns nle nla Me 5600181,2D0 11,000182,000 1600111,200 11,000122,000 $600111,280 11,000/62,000 10001$1,200 11,0001/2,000
Deductible'Single I Family)
-
Coinsurance pn/out) e0x180% wxl6ax `egxleox IDv.l6Dv. 100x eox 100x lox 100xle0x /0xr6gx 100x llox 10x110x 100%10% Iox/cox 1004le06. noxlwx
3n44.1eo16 140001/8000 13,000188,000 $4 000I 11000 13000 r16000 $8,3501112,760 37,1501314,300 /4,000188.000 $3,000166,000 14,000 I$1,000 83,000 1 61 000 $4,000/18,000 13,000150,000 84,0001111,000 13,000I 16,000 /1160 I$12100 87101114.300
Dula-Pocket MudnwiN8ingle I Faintly)
Ou1494ietwotk 810001116,000 $8,000 1512,000 •81 0001110,000 88,000/$12,000 Ne rate We _-- I - u/a 11,0001$16,000 $0002 1112.000 8e,0001315,000 $6,000$$12,000 $1,000/111000 $1,000 1 512,000 $1,0001118,000 $8,000/312,000
OM-of-Pocket Maximum'SIngle I Famdly1
1-_er55,- fere8is - `
,ADWIICNAL COVERAGE DETAILS - .�.a.� . ,,_ae...,.s -�,,-
Primary Care l 80.1441 Can Office Mall 120 Copay Ded,10%Coins $20 Capay lied,SO%Culns $20 Copey Ded,80%Coins 120 Copey Oed,80%Coins $20 Gooey Oed,10%Coins 120 Copay Did,w%Coins 120 Copay,Ded, Dad,80%Coins 120 Copay Ded,w%Coins
100%Coins
Inpatient Hospital 1300 Copay Ded,60%Coins $aw Copay Ded,10%Coln. Ded,100%Coins Dad,AD%Coln. $300 Copay Ded,10%Coins $2110 Copay Dad,10%Coins $300 Copay Ded,SO%Coins 1300 Copay D.4,w%Coins Ded,100%Coins Ded,w%Coln*
Fealty Feclity
$110 Copay 8100 Copay
Surgeon 8urgean
Outpatient 8150 Copay Ded,10%Coins $160 Copay lied,10%Coins Ded,1DO%Coins Ded,SO%Coina 5150 Copay Ded,SO%Coins 81150 Copy 0.d,w%Coin. 11w Gooey Ded,10%Coins 6150 Copay Ded,w%Coins Ded,100%Coins Ded,SO%Coins
Urgent Care I Emergency Room $20 UC CopayI UC Ded,10% 120 UC CopayI UC Ded,to% $20 UC Copay 1 0.d.SO%Coins 320 UC CopayI 1150 UC 1 ER $20 UC CooeyI Ded,SO%Coins 020 UC Copey1 UC Ded,50% 120 IC Gooey/ UC 0.d,10% 1120 UC Copayl UC Ded,10%
8100 ER Copay Coins I$160 ER 1/w ER Copay Coins I$160 ER 5100 ER Copay SC11160 Copey 1100 ER Copay Copey $100 ER Copay 8100 ER Gooey Coln.?$150 ER $100 ER Copey Coins l 3110 ER 1100 ER Copay Coke 18100 ER
Copay,10%Coln. Copay,SO%Coin. ER Copey,Ded.SO% Dad,100%Coins Copay,Ded,w% Copay
Coins Coln.
Prescdptlon Dings ss/s30/$60 8101330 l 160 381 pD 18S0 ' 110/$301 gee 15 1830ISO 110 1 130 360 $5l 3301 Sw hilt 1130/$50 $511301$10 $10/130I Bw $1/$30/$50 510 1130/RIO $0 1 810 1 130 1 Iw$0 1 210 1 5 30I 360 35l S301310 210/3301310
lie,1 I Tar 21 Tier 3 1 Ten 4/net 5 12,3601 84,700 Rx$4,150I$1,300 Rx 12350 r$4,700 Re 84,150 152,300 Re Rx MOOP Re HOOP 12,300I 14,700 Rs 14,160 1 10,300 Re 52,300I$4,700 Re 54,100/81,300 Rs 32,360114,700 Rx 24,160118,300 Re 32,300184,700 Ha 24,1601 15,3130 Rx Re MOOP Rs HOOP
HOOP HOOP MOO? MOOP included in above Included In above HOOP HOOP HOOP HOOP %OOP HOOP HOOP MOOP included 0 above Included In above
ADDITIONAL Loss Ratio: Max Increase 1/21 3 year rate guarantee Clink costs,EAP coats,and Wellness No and year tete cap Rate Cap Loss Ratio: Max Increase 1/21
COVERAGE DETAILS Lass than MS% S% grant-Not Included Clink Cost.not Included Non-pooled LR-Rats Cep Less than IS% 1%
16.1%10 w% a% WiM cover Health Risk As.es.nn.nt c11.9%-0.5% 15.1%taw% 1%
$0.1%to20% 12% Fees for Employee and Spouse 11/%-029%-1A% 90.1%1o86% 12%
08.1%or8080.. No Unit 03%or greater-10.5% 05.1%or higher No Lima
Wellness Grant-120,000
EAP Costs.$14,000
Clink Costs-3200,000
Current Ren Wal Altemu? Alternate Alternate Alternate Alternate Alletnalo
Dual Option Con sus Dual Option Census Dual Option Consul Dual Option Census Dual Option Census Dual Option Cen us Dual Option Census Dual Option Census
Covered Employees E$.L.901u1
Employee Only 5 134 130
Employee r Spoon 3 78 82
Employee.Cheapen) 5 37 42
Family Coverage 10 223 233
Total Empkysas 23 473 496
Monthly Pn<Mume
Emploree Oral• 777.73 70%72 007.28 73254 741.17 67255 1555.68 1,463.87 72359 633,87 762.00 6.92.00 777.73 70672 826.27 746.77
Employee r 5200.e 1,006,46 1,411.43 1.614.57 1,465.06 1,538.67 1.345.07 1526 60 1,463.87 1,447.17 1,267.72 1,524.00 1,303.00 1.555.46 1,411.43 1,715.35 1,491.52
Emplo6s.r Ch001nn1 1,666,40 1,411.43 1,614.57 1,465.06 1,538,67 1,345.07 1555.68 1,453.87 1447.17 1,267.72 1,52400 1383.00 1665.46 1,411.43 1715.36 1499.52
Frani Cover'•- 1,944.84 1,764.76 2,01874 1,031.82 1923.83 16E11.79 155568 145387 1826.45 1585.00 1,966.00 173000 194.04 1 76476 2 144.74 1.874.90
tut al Annual Premium Cost 58251.374.84 S8.564.922.41 S7877310.00 58 611 533.10 .11 018 096.00 58.251.374.84 S8.781.813.00
Percentile.Change 3.80% -4 .59% 5?1% •w. I% -1.88% 0.00% 643%
Dollar Change -- S313,841.24 'S374.004 4) $430,168.01 _ 131126,291.14) 1S183,271.14) 00.00 1530,43/.1/ _-
Citnlc,Wellness 4 EAP Costa Included Included 8234,000110 8234,000.00 1234,000.00 1234,000.00 Included In proposal S234000.00
Total Annual Costs with Clink,WaRew..i EAP 18,261,374.84 $1,564,92341 1/,111.310.w 84110,133.82 $7,058,081.00 11322,0311.00 11.201,174.34 89,016,012.00
Net Dols/Change WMA Clink,Wellness i EAP - $313,647.04 (S140,004.44) $804,16/314 IS602,213.141 670,711.15 10.00 3754,431.11
Net Parentage Change with Clinic,Welnea.A EAP - 330% ./70% 8.04% -7 le% 085% 000% 020%
Declined to Quote:Humane lNot compelnwe)
Plan Inlormetiun shown is for comparison purposes only and does not represent all features or limitations.H any discrepancy exists between benefits shown end carders'proposals,the carrier proposal controls.Final rates and acceptance subject to actual enrollment and effective date.
Unless specifically otherwise provided In a written agreement created between the parfies,ABRC's standard of care and legal duty to its clients to provide insurance products and services Is:to follow the instructions of the insured,In good faith.
Copyright k12008-2016 by Associated Financial Group,LLC.
47-Dual 09/182019 11.43 AM Page 1
Lorenson, Lynn
From: Hitner, Lana <Lana.Hitner@associatedbrc.com>
Sent: Monday, September 16, 2019 1:18 PM
To: Fitzpatrick, John
Cc: Stage, Jan; Behnke, Michelle
Subject: City of Oshkosh - Health and Dental Insurance
Good Afternoon John,
This email is to confirm that Robin Health Partners is very excited to be the City's new health insurance vendor effective
January 1, 2020 with an approximate 7.18% reduction to the overall health insurance and related costs.
In addition, the Delta Dental dental plan will be renewing effective January 1, 2020 with no increase to the rates.
Thanks,
Lana/
Associated
Barletta and Risk Consulting
Lana A. Hitner, HIA,GBA
Account Executive I Associated Benefits and Risk Consulting
Certified WELCOA Well Workplace Practitioner
Office: 920-731-0400
711 Eisenhower Drive I Kimberly, WI 54136
lana.hitner@associatedbrc.com
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