HomeMy WebLinkAbout11. 18-496 SEPTEMBER 25, 2018 18-496 RESOLUTION
(CARRIED 6-0 LOST LAID OVER WITHDRAWN )
PURPOSE: APPROVE EMPLOYEE HEALTH INSURANCE AGREEMENT
WITH ANTHEM BLUECROSS BLUESHIELD 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 2019; and
WHEREAS, the proposal submitted by Anthem B1ueCross B1ueShield meets the
requirements of the request for proposals, will allow the City of Oshkosh to experience
no cost increases from the current City plan, and provide the least disruption to our
employee population 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 Anthem B1ueCross
B1ueShield for participation in the Anthem B1ueCross B1ueShield health benefit plan in
substantially the same form as the existing agreement, any changes in the execution copy
being deemed approved by their signatures.
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.
SEPTEMBER 25, 2018 18-496 RESOLUTION
CONT'D
BE IT FURTHER RESOLVED that the funding for these purposes are hereby
appropriated from:
Acct. No. XXX-XXXX-6306-XXXXX Health Insurance
XXX-XXXX-6308-XXXXX Dental Insurance
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Oshkosh
TO: Honorable Mayor and Members of the Common Council
FROM: John Fitzpatrick, Assistant City Manager/Director of Administrative Services
DATE: September 20, 2018
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 B1ueCross B1ueShield and Delta Dental of
Wisconsin at the end of 2018, 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
2019.
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 no cost
increase, available through renewal with Anthem B1ueCross B1ueShield. In addition to reducing the
projected budget increase for health insurance we discussed with Council at Budget Workshop #1 from a
2.5% increase to a 0% increase, the Anthem B1ueCross B1ueShield option also includes value added
services intended to defray our costs for Three Waves Health Clinic & Wellness Center, our health risk
assessments, and our employee assistance program. This renewal option is also the least disruptive 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 2019 is
0%. Anthem and Delta agreements/applications are for 2019 only.
FISCAL IMPACT
Staff is estimating no cost increases for our combined health / dental programs in 2019.
Although the city employee focus group on health insurance, staff and City Manager Rohloff are pleased
with the outcome of this year's process, all parties understand that it will be necessary to evaluate our
plan in 2019 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 Anthem B1ueCross B1ueShield 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,
John M. Fitzpatrick
Assistant City Manager /
Director of Administrative Services
Approved:
Mark A. Rohloff
City Manager
Attachments: Health Insurance RFP Summary
Associated Benefits and Risk Consulting Confirmation Email
cc: Michelle Behnke, HR Manager
2
City of Oshkosh
HEALTH COVERAGE ALTERNATIVES
Am. Am ;. ob
Provider Network
Well Prion3 POS Well Pnorit3-POS WVN WV'N WI NationalONE Focused Wl NationaIONE Focused
Deductible
PLAN I NARROW
PLAN 2 NARROW
PLAN I NARROW
PLAN 2 NARROW
PLAN 1 NARROW
PLAN 2 NARROW
In-Nct,"rk (Sing"/Family)
so/so
5500 / $1,000
SO / $0
$500 / $1,000
$0/$0
$500 / $1,000
Out -of -Network (Sin le / Family)
$600 / $1.200
$1,000 / $2,000
N/A
N/A
$600 / $1,200
$1,000 / $2,000
Coinsurance
In -Network
N/A
80%
100%
80%
100%
80%
Out -of -Network
80%
60%
N/A
N/A
80%
60%
Out-.fPocket Max
Includes Deductible
Includes Deductible
Includes Deductible
Includes Deductible
Includes Deductible
Includes Deductible
In-Nebvork (Single / Family)
$4,000 / $8,000
$3,000 / $6,000
$4,000 / $8,000
$3,000 / $6,000
$4,000 / $8,000
$3,000 / $6,000
Out -of -Network (Single / Family)
$8,000 / SI6,000
56,000 / $12,000
N/A
N/A
$8,000 / $16,000
$6,000 / $12,000
Office Visits
In-Netvork
$20 Copay
Ded, 80% Coins
$20 Copay
Ded, 80% Coins
$20 Copay
Ded, 80% Coins
Out -of -Network
Ded, 80% Coins
Ded, 60% Coins
N/A
N/A
Ded, 80% Coins
Ded, 60% Coins
Specialist
In -Network
$20 Copay
Ded, 80% Coins
$20 Copay
Ded, 80% Coins
$20 Copay
Ded, 80% Coins
Outof-Network
Ded, 90% Coins
Ded, 60% Coins
N/A
N/A
Ded 80% Coins
Ded 60% Coins
Routine/Preventive Care
In-Netvork
100% Coverage
100% Coverage
100% Coverage
100% Coverage
100% Coverage
100% Coverage
Out -of -Network
Ded, 80% Coins
Ded, 60% Coins
N/A
N/A
Ded, 80% Coins
Ded 60% Coins
Inpatient Hospital Services
In -Network
$300 Copay (Facility)
Ded, 80% Coins
$300 Copay
Ded, 80% Coins
$300 Copay
Ded, 90% Coins
$150 Copay (Physician)
Outof-Network
Ded, 80% Coins
Ded, 60% Coins
N/A
N/A
Ded, 80% Coins
Ded, 60% Coins
Outpatient Hospital Services
In -Network
$150 Copay
Ded, 80% Coins
$500 Copay
Ded, 80% Coins
$150 Copay
Ded, 80% Coins
Outof-Network
Ded, 80% Coins
Ded, 60% Coins
N/A
N/A
Ded, 80% Coins
Ded, 60% Coins
Emergency Room
In -Network
$100 Copay
$150 Copay, 80% Coins
$250 Copay
$150 Copay
$100 Copay
$150 Copay
Outof-Netvork
$100 Copay
$150 Copay, 80% Coins
$250 Copay
$150 Copay
$100 Copay
$150 Co a
Prescription Drugs -In-Network
Rr MOOP$2,350/S4,700
Rx MOOPS4,I50/58,300
Rx MOOP52,350/$4,700
Rx MOOP $4,150 / $8,300
Rx MOOP $2,350 / $4,700
Rx MOOP $4,150 / $8,300
Tier I / Tier 2 / Tier 3
$5/$30/$60
$10 / $30 / $60
$5/$30/$60
$10 / $30 / $60
$5/$30/$60
$10 / $30 / $60
Mail Order Prescription Drugs
Tier !/ Tier 2/Tier 3
$10/$60/$120
$20/$60/$120
$12.50/$75/$150
$25/$75/$150
$10/$60/$120
$20/$60/$120
Rates Plan 1
Plan 3
Total
Current
Renewal
Current Renewal
Option 1
Option 1
Option 2
Option 2
Employee 5
131
136
$777.73
$777.73
$705.72 $705.72
$803.08
$732.31
$797.72
$699.16
Employee/Spouse 7
114
121
$1,555.46
$1,555.46
$1,411.43 $1,411.43
$1,606.16
$1,464.62
$1,595.44
$1,398.32
Employee/Child(ren) 0
0
0
$1,555.46
$1,555.46
$1,411.43 $1,411.43
$1,606.16
$1,464.62
$1,595.44
$1,398.32
Family 9
231
240
$1,944.84
$1,944.84
$1,764.76 $1,764.76
52,008.23
$1,831.26
$1,994.83
$1,748.37
Monthly Totals
S32280.43
S32280.43
I S661.011-90 $661,011.90
S33,332.59
$685,920.35
S33,110.15
$654,871.91
Annual Totals
$387,365.16
$387,365.16
1 $7,932,142.80 $7,932,142.80
$399,99108
$8,231,044.20
$397321.80
$7,858,462.92
Combined Plan Totals
$8,319,507.96 $8,319,507.96
$8,631,035.28
$8,255,784.72
Annual % of Increase/Decrease
0.00%
3.7%
-0.8%
Annual Dollar Increase/Decrease
$0.00
$311,527.32
($63,723.24)
Value Added Services
Clinic
$200,000.00
$0.00
$0.00
Wellness (HRA)
$20,000.00
$0.00
$0.00
nanra �.a.e: naam ra anenag a pan year ram rap m a -.o
Not Competitive: W CA, WPS, WEA and Network Health Plan
NOTE: Company logos are for information purposes only. Agents are independent and are not affiliated with the company. Our standard of can, and legal dun to the insured m p uvidbg tmura- products and services is to follow• the butn,ctiom fthe inured in good faid.
This constitutes only a summary of the Health plan involved. The actual contract or plan doeument must be consulted to determine the goweming contractual provisions, limitations, or exclusions. There is no g arantm, expressed or implied by Associated Benefits and Risk Consulting or vendors of plan provisions or level of payments.
amro o.r .mtan.„;.,,e-a- It. ratna --aa -as ca.m .. -y..Fc.
Joeckel, Angela J.
From:
Hitner, Lana <Lana.Hitner@associatedbrc.com>
Sent:
Thursday, September 20, 2018 9:26 AM
To:
Fitzpatrick, John
Cc:
Kautza, Kim; Behnke, Michelle; Stage, Jan
Subject:
RE: City of Oshkosh - Medical & Dental Renewals
Hi John,
Yes, I will forward the documents once I receive them.
Thanks,
Lana
From: Fitzpatrick, John [mailto:JFitzpatrick@ci.oshkosh.wi.us]
Sent: September 20, 2018 09:25 AM
To: Hitner, Lana
Cc: Kautza, Kim; Behnke, Michelle; Stage, Jan
Subject: RE: City of Oshkosh - Medical & Dental Renewals
ASSOCIATED BANK SECURITY NOTICE: External email. Please make sure you trust the sender before responding,
clicking links or opening attachments. if you suspect the legitimacy of ANY email, forward it immediately to the Cyber
Defense Center.
Thank you Lana.
As we discussed, I assume you will also forward the appropriate documents to Michelle for approval
by the City when you receive them from the vendors, is that correct?
Thanks.
J�
John. Fitzpatrick
Assistant City Manager / Director of Administrative Services
City of Oshkosh
920.236.5002
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^Cit f
�Oshkosh
From: Hitner, Lana [mailto:Lana.Hitner@associatedbrc.com]
Sent: Thursday, September 20, 2018 9:17 AM
To: Fitzpatrick, John <JFitzpatrick@ci.oshkosh.wi.us>
Cc: Kautza, Kim <KKautza@ci.oshkosh.wi.us>; Behnke, Michelle <MBehnke@ci.oshkosh.wi.us>; Stage, Jan
<Jan.Stage@associatedbrc.com>
Subject: City of Oshkosh - Medical & Dental Renewals
Hi John,
This email is to confirm that the Anthem medical plan will be renewing effective January 1, 2019 with no increase to the
rates.
In addition, the Delta Dental dental plan will be renewing effective January 1, 2019 with no increase to the rates.
Thanks,
Associates!
B#nef€ts 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
Iana.hitner@associatedbrc.com
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