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Health Insurance Comparisons for 2016.151021.pdf
CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2016 10/12/2015 Current Blue Cross/Blue Cross PPO 2500 Ded 90/10 --2500 Dental Annual Limit Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Blue Cross BC PPO HRA COVERAGE Count Ded.Ded.2.1%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Health Dental Contribution TOTAL SINGLE 16 1 16 554.61$ 30.87$ 585.47$ 13.0%81.17$ 13.0%4.61$ 85.78$ 671.25$ 482.70$ 35.48$ 141.67$ 659.85$ COUPLE 22 2 44 1,069.61$ 61.63$ 1,131.24$ 13.0%156.54$ 13.0%9.21$ 165.75$ 1,296.99$ 920.82$ 70.84$ 283.33$ 1,274.99$ EMP/CHILD 2 2 4 772.52$ 95.02$ 867.54$ 13.0%113.06$ 13.0%14.20$ 127.26$ 994.80$ 586.36$ 109.22$ 283.33$ 978.91$ EMP/CHILDREN 7 2 14 1,051.16$ 95.02$ 1,146.18$ 13.0%153.84$ 13.0%14.20$ 168.04$ 1,314.21$ 900.04$ 109.22$ 283.33$ 1,292.59$ FAMILY 77 2 154 1,388.84$ 139.81$ 1,528.65$ 13.3%208.67$ 13.3%21.45$ 230.12$ 1,758.77$ 1,285.61$ 161.26$ 283.33$ 1,730.20$ TOTAL 124 232 1,940,634$ 290,025$ 2,230,659$ 2,194,068$ DEDUCTIBLE 2,500$ NET 36,590$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 60,000$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 96,590$ Option #1 Blue Cross PPO RENEWAL--Normal Sharing Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Ded.Ded.0.0%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 1 16 575.27$ 40.64$ 615.91$ 13.5%89.78$ 13.5%6.34$ 96.12$ 712.04$ 10.34$ 523.39$ 46.98$ 141.67$ 712.04$ COUPLE 22 2 44 1,109.04$ 81.14$ 1,190.17$ 13.5%173.09$ 13.5%12.66$ 185.75$ 1,375.92$ 20.00$ 998.79$ 93.80$ 283.33$ 1,375.92$ EMP/CHILD 2 2 4 794.96$ 125.10$ 920.06$ 13.5%124.07$ 13.5%19.52$ 143.59$ 1,063.65$ 16.33$ 635.70$ 144.62$ 283.33$ 1,063.65$ EMP/CHILDREN 7 2 14 1,089.15$ 125.10$ 1,214.25$ 13.5%169.98$ 13.5%19.52$ 189.51$ 1,403.75$ 21.47$ 975.80$ 144.62$ 283.33$ 1,403.75$ FAMILY 77 2 154 1,451.05$ 184.69$ 1,635.74$ 13.5%226.46$ 13.5%28.83$ 255.29$ 1,891.03$ 25.17$ 1,394.18$ 213.52$ 283.33$ 1,891.03$ TOTAL 124 232 2,067,966$ 322,746$ 2,390,713$ Family>8.4%32.4%0.0%2,390,713$ DEDUCTIBLE 2,500$ 6.56%11.28%7.18%NET -$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 96,590$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 96,590$ Option #2 Blue Cross PPO Surcharge for BC PPO Dental Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Ded.Ded.0.0%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 1 16 575.27$ 38.29$ 613.56$ 13.5%89.78$ 18.5%8.69$ 98.47$ 712.04$ 12.69$ 523.39$ 46.98$ 141.67$ 712.04$ COUPLE 22 2 44 1,109.04$ 76.45$ 1,185.48$ 13.5%173.09$ 18.5%17.35$ 190.44$ 1,375.92$ 24.69$ 998.79$ 93.80$ 283.33$ 1,375.92$ EMP/CHILD 2 2 4 794.96$ 117.87$ 912.83$ 13.5%124.07$ 18.5%26.75$ 150.82$ 1,063.65$ 23.57$ 635.70$ 144.62$ 283.33$ 1,063.65$ EMP/CHILDREN 7 2 14 1,089.15$ 117.87$ 1,207.02$ 13.5%169.98$ 18.5%26.75$ 196.74$ 1,403.75$ 28.70$ 975.80$ 144.62$ 283.33$ 1,403.75$ FAMILY 77 2 154 1,451.05$ 174.02$ 1,625.07$ 13.5%226.46$ 18.5%39.50$ 265.97$ 1,891.03$ 35.85$ 1,394.18$ 213.52$ 283.33$ 1,891.03$ TOTAL 124 232 2,055,632$ 335,081$ 2,390,713$ Family>8.4%32.4%0.0%2,390,713$ DEDUCTIBLE 2,500$ 5.93%15.54%7.18%NET -$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 96,590$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 96,590$ Option #3 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Normal Sharing Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Ded.Ded.1.5%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 1 16 566.63$ 40.64$ 607.27$ 13.5%87.13$ 13.5%6.34$ 93.47$ 700.74$ 7.69$ 503.72$ 46.98$ 141.67$ 692.37$ COUPLE 22 2 44 1,092.40$ 81.14$ 1,173.53$ 13.5%167.97$ 13.5%12.66$ 180.63$ 1,354.17$ 14.88$ 960.89$ 93.80$ 283.33$ 1,338.02$ EMP/CHILD 2 2 4 786.09$ 125.10$ 911.19$ 13.5%120.87$ 13.5%19.52$ 140.40$ 1,051.58$ 13.14$ 612.01$ 144.62$ 283.33$ 1,039.96$ EMP/CHILDREN 7 2 14 1,073.69$ 125.10$ 1,198.78$ 13.5%165.09$ 13.5%19.52$ 184.62$ 1,383.40$ 16.58$ 939.58$ 144.62$ 283.33$ 1,367.53$ FAMILY 77 2 154 1,426.64$ 184.69$ 1,611.34$ 13.5%219.36$ 13.5%28.83$ 248.19$ 1,859.53$ 18.07$ 1,341.59$ 213.52$ 283.33$ 1,838.44$ TOTAL 124 232 2,037,851$ 313,838$ 2,351,689$ Family>4.4%32.4%0.0%2,324,726$ DEDUCTIBLE 2,500$ 5.01%8.21%5.43%NET 26,962$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 96,590$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 123,553$ Option #4 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Surcharge for BC PPO Dental Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Ded.Ded.2.1%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 1 16 569.98$ 38.29$ 608.27$ 13.5%87.13$ 18.5%8.69$ 95.82$ 704.09$ 10.04$ 503.72$ 46.98$ 141.67$ 692.37$ COUPLE 22 2 44 1,098.85$ 76.45$ 1,175.30$ 13.5%167.97$ 18.5%17.35$ 185.32$ 1,360.62$ 19.57$ 960.89$ 93.80$ 283.33$ 1,338.02$ EMP/CHILD 2 2 4 790.74$ 117.87$ 908.60$ 13.5%120.87$ 18.5%26.75$ 147.63$ 1,056.23$ 20.37$ 612.01$ 144.62$ 283.33$ 1,039.96$ EMP/CHILDREN 7 2 14 1,080.03$ 117.87$ 1,197.90$ 13.5%165.09$ 18.5%26.75$ 191.85$ 1,389.75$ 23.81$ 939.58$ 144.62$ 283.33$ 1,367.53$ FAMILY 77 2 154 1,435.08$ 174.02$ 1,609.09$ 13.5%219.36$ 18.5%39.50$ 258.87$ 1,867.96$ 28.75$ 1,341.59$ 213.52$ 283.33$ 1,838.44$ TOTAL 124 232 2,036,301$ 326,173$ 2,362,474$ Family>4.4%32.4%0.0%2,324,726$ DEDUCTIBLE 2,500$ 4.93%12.46%5.91%NET 37,747$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 96,590$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 134,338$ Option #5 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Dental Blue Connect Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Employee Blue Cross Blue Connect HRA COVERAGE Count Ded.Ded.3.6%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 1 16 578.36$ 33.35$ 611.70$ 13.5%87.13$ 13.5%5.20$ 92.33$ 704.03$ 6.55$ 503.72$ 38.55$ 141.67$ 683.94$ COUPLE 22 2 44 1,115.00$ 66.53$ 1,181.53$ 13.5%167.97$ 13.5%10.38$ 178.35$ 1,359.88$ 12.60$ 960.89$ 76.91$ 283.33$ 1,321.13$ EMP/CHILD 2 2 4 802.35$ 102.60$ 904.95$ 13.5%120.87$ 13.5%16.01$ 136.88$ 1,041.83$ 9.62$ 612.01$ 118.61$ 283.33$ 1,013.95$ EMP/CHILDREN 7 2 14 1,095.90$ 102.60$ 1,198.50$ 13.5%165.09$ 13.5%16.01$ 181.11$ 1,379.60$ 13.07$ 939.58$ 118.61$ 283.33$ 1,341.52$ FAMILY 77 2 154 1,456.16$ 151.50$ 1,607.66$ 13.5%219.36$ 13.5%23.64$ 243.01$ 1,850.67$ 12.89$ 1,341.59$ 175.15$ 283.33$ 1,800.07$ TOTAL 124 232 2,037,241$ 307,852$ 2,345,093$ Family>4.4%8.6%0.0%2,280,383$ DEDUCTIBLE 2,500$ 4.98%6.15%5.13%NET 64,710$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 96,590$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 161,300$ Option #6 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Dental 1500/1500 Max/Ortho Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Ded.Ded.2.8%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 1 16 573.89$ 35.97$ 609.86$ 13.5%87.13$ 18.5%8.16$ 95.29$ 705.15$ 9.51$ 503.72$ 44.13$ 141.67$ 689.52$ COUPLE 22 2 44 1,106.39$ 71.81$ 1,178.20$ 13.5%167.97$ 18.5%16.30$ 184.27$ 1,362.47$ 18.52$ 960.89$ 88.11$ 283.33$ 1,332.33$ EMP/CHILD 2 2 4 796.16$ 110.87$ 907.03$ 13.5%120.87$ 18.5%25.17$ 146.04$ 1,053.07$ 18.78$ 612.01$ 136.04$ 283.33$ 1,031.38$ EMP/CHILDREN 7 2 14 1,087.44$ 111.33$ 1,198.77$ 13.5%165.09$ 18.5%25.27$ 190.36$ 1,389.13$ 22.33$ 939.58$ 136.60$ 283.33$ 1,359.51$ FAMILY 77 2 154 1,444.91$ 164.08$ 1,609.00$ 13.5%219.36$ 18.5%37.25$ 256.61$ 1,865.61$ 26.49$ 1,341.59$ 201.33$ 283.33$ 1,826.25$ TOTAL 124 232 2,037,316$ 323,547$ 2,360,864$ 4.4%24.8%0.0%2,310,534$ DEDUCTIBLE 2,500$ 4.98%11.56%5.84%NET 50,330$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 96,590$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 146,920$ Option #7 Blue Cross PPO Dental Blue Connect Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Employee Blue Cross Blue Connect HRA COVERAGE Count Ded.Ded.0.4%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 1 16 577.58$ 33.35$ 610.92$ 13.5%89.78$ 13.5%5.20$ 94.99$ 705.91$ 9.21$ 523.39$ 38.55$ 141.67$ 703.61$ COUPLE 22 2 44 1,113.47$ 66.53$ 1,180.00$ 13.5%173.09$ 13.5%10.38$ 183.47$ 1,363.47$ 17.72$ 998.79$ 76.91$ 283.33$ 1,359.03$ EMP/CHILD 2 2 4 798.14$ 102.60$ 900.74$ 13.5%124.07$ 13.5%16.01$ 140.08$ 1,040.82$ 12.82$ 635.70$ 118.61$ 283.33$ 1,037.64$ EMP/CHILDREN 7 2 14 1,093.51$ 102.60$ 1,196.10$ 13.5%169.98$ 13.5%16.01$ 186.00$ 1,382.10$ 17.96$ 975.80$ 118.61$ 283.33$ 1,377.74$ FAMILY 77 2 154 1,456.85$ 151.50$ 1,608.36$ 13.5%226.46$ 13.5%23.64$ 250.11$ 1,858.46$ 19.99$ 1,394.18$ 175.15$ 283.33$ 1,852.66$ TOTAL 124 232 2,037,028$ 316,760$ 2,353,788$ 8.4%8.6%0.0%2,346,369$ DEDUCTIBLE 2,500$ 4.97%9.22%5.52%NET 7,418$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 96,590$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 104,009$