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CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2021 8/28/2019 Current PPO Dental Total City HEALTH CITY CITY EMPLOYEE EMPLOYEE EMPLOYEE Blue Cross BC PPO HRA COVERAGE Count Count Ded.Ded.0.0%DENTAL TOTAL HEALTH DENTAL TOTAL TOTAL Health Dental Contribution TOTAL SINGLE 16 12 1 16 679.82$ 36.84$ 716.66$ 106.12$ 8.36$ 114.48$ 831.14$ 591.49$ 46.60$ 141.67$ 779.76$ COUPLE 34 24 2 68 1,307.10$ 73.54$ 1,380.64$ 204.00$ 16.70$ 220.70$ 1,601.34$ 1,119.51$ 93.04$ 283.33$ 1,495.88$ EMP/CHILD 2 1 2 4 925.52$ 113.38$ 1,038.90$ 144.44$ 25.76$ 170.20$ 1,209.10$ 715.10$ 143.44$ 283.33$ 1,141.87$ EMP/CHILDREN 0 3 2 - 1,280.88$ 113.38$ 1,394.26$ 199.90$ 25.76$ 225.66$ 1,619.92$ 1,090.88$ 143.44$ 283.33$ 1,517.65$ FAMILY 86 88 2 172 1,720.60$ 167.40$ 1,888.00$ 268.54$ 38.02$ 306.56$ 2,194.56$ 1,556.89$ 211.77$ 283.33$ 2,051.99$ TOTAL 138 128 260 2,461,694$ 212,556$ 2,674,249$ 384,207$ 48,274$ 432,480$ 3,106,730$ 2,194,199 268,897 442,000 2,905,096$ DEDUCTIBLE 2,500$ NET 201,634$ HRA CONTRIBUTION (1,700)$ BEGINNING BALANCE OF SAVINGS 587,308$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 788,942$ Option # Budget PPO Dental Total CITY HEALTH CITY DENTAL CITY EMPLOYEE HEALTH EMPLOYEE DENTAL EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Count Ded.Ded.17.0%17.0%TOTAL 17.0%17.0%TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 12 1 16 795.39$ 43.10$ 838.49$ 124.16$ 9.78$ 133.94$ 972.43$ 19.46$ 754.95$ 46.60$ 141.67$ 943.22$ COUPLE 34 24 2 68 1,529.31$ 86.04$ 1,615.35$ 238.68$ 19.54$ 258.22$ 1,873.57$ 37.52$ 1,434.39$ 93.04$ 283.33$ 1,810.76$ EMP/CHILD 2 1 2 4 1,082.86$ 132.65$ 1,215.51$ 168.99$ 30.14$ 199.13$ 1,414.65$ 28.93$ 911.89$ 143.44$ 283.33$ 1,338.66$ EMP/CHILDREN 0 3 2 - 1,498.63$ 132.65$ 1,631.28$ 233.88$ 30.14$ 264.02$ 1,895.31$ 38.36$ 1,391.73$ 143.44$ 283.33$ 1,818.50$ FAMILY 86 88 2 172 2,013.10$ 195.86$ 2,208.96$ 314.19$ 44.48$ 358.68$ 2,567.64$ 52.12$ 1,993.81$ 211.77$ 283.33$ 2,488.91$ TOTAL 138 128 260 2,880,182$ 248,690$ 3,128,872$ 449,522$ 56,480$ 506,002$ 3,634,874$ 2,809,679$ 268,897$ 442,000$ 3,520,576$ INCREASED DOLLARS 418,488$ 36,134$ 454,622$ 65,315$ 8,207$ 73,522$ 528,144$ 28.05%0.00%0.00%21.19% DEDUCTIBLE 2,500$ 17.00%17.00%NET 114,298$ HRA CONTRIBUTION (1,700)$ Family Increase-Year 625$ BEGINNING BALANCE OF SAVINGS 788,942$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 903,241$ Increases in premiums for Health/Dental Employer 454,622$ Employee 73,522$ 528,144$ Total Option #1 PPO Dental Total CITY HEALTH CITY DENTAL CITY EMPLOYEE HEALTH EMPLOYEE DENTAL EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Count Ded.Ded.13.5%13.5%TOTAL 13.5%13.5%TOTAL TOTAL Increase Health Dental Contribution TOTALSINGLE16121 16 771.60$ 41.81$ 813.41$ 120.45$ 9.49$ 129.93$ 943.34$ 15.45$ 706.88$ 45.48$ 141.67$ 894.03$ COUPLE 34 24 2 68 1,483.56$ 83.47$ 1,567.03$ 231.54$ 18.95$ 250.49$ 1,817.52$ 29.79$ 1,341.33$ 90.80$ 283.33$ 1,715.46$ EMP/CHILD 2 1 2 4 1,050.47$ 128.69$ 1,179.15$ 163.94$ 29.24$ 193.18$ 1,372.33$ 22.98$ 854.41$ 139.99$ 283.33$ 1,277.73$ EMP/CHILDREN 0 3 2 - 1,453.80$ 128.69$ 1,582.49$ 226.89$ 29.24$ 256.12$ 1,838.61$ 30.46$ 1,304.22$ 139.99$ 283.33$ 1,727.54$ FAMILY 86 88 2 172 1,952.88$ 190.00$ 2,142.88$ 304.79$ 43.15$ 347.95$ 2,490.83$ 41.39$ 1,865.29$ 206.68$ 283.33$ 2,355.30$ TOTAL 138 128 260 2,794,023$ 241,251$ 3,035,273$ 436,075$ 54,791$ 490,865$ 3,526,138$ 2,628,469$ 262,432$ 442,000$ 3,332,901$ INCREASED DOLLARS 332,329$ 28,695$ 361,024$ 51,868$ 6,517$ 58,385$ 419,409$ 19.79%-2.40%0.00%14.73% DEDUCTIBLE 2,500$ 13.50%13.50%NET 193,238$ HRA CONTRIBUTION (1,700)$ Family Increase-Year 497$ BEGINNING BALANCE OF SAVINGS 788,942$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 982,180$ Increases in premiums for Health/Dental Employer 361,024$ Employee 58,385$ 419,409$ Total Option #2 PPO Dental Total CITY HEALTH CITY DENTAL CITY EMPLOYEE HEALTH EMPLOYEE DENTAL EMPLOYEE Employee Blue Cross BC PPO HRA COVERAGE Count Count Ded.Ded.12.5%12.5%TOTAL 12.5%12.5%TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 12 1 16 764.80$ 41.45$ 806.24$ 119.39$ 9.41$ 128.79$ 935.03$ 14.31$ 700.14$ 45.48$ 141.67$ 887.29$ COUPLE 34 24 2 68 1,470.49$ 82.73$ 1,553.22$ 229.50$ 18.79$ 248.29$ 1,801.51$ 27.59$ 1,328.34$ 90.80$ 283.33$ 1,702.47$ EMP/CHILD 2 1 2 4 1,041.21$ 127.55$ 1,168.76$ 162.50$ 28.98$ 191.48$ 1,360.24$ 21.28$ 846.30$ 139.99$ 283.33$ 1,269.62$ EMP/CHILDREN 0 3 2 - 1,440.99$ 127.55$ 1,568.54$ 224.89$ 28.98$ 253.87$ 1,822.41$ 28.21$ 1,291.81$ 139.99$ 283.33$ 1,715.13$ FAMILY 86 88 2 172 1,935.68$ 188.33$ 2,124.00$ 302.11$ 42.77$ 344.88$ 2,468.88$ 38.32$ 1,847.27$ 206.68$ 283.33$ 2,337.28$ TOTAL 138 128 260 2,769,406$ 239,125$ 3,008,531$ 432,233$ 54,308$ 486,541$ 3,495,071$ 2,603,083$ 262,432$ 442,000$ 3,307,516$ INCREASED DOLLARS 307,712$ 26,569$ 334,281$ 48,026$ 6,034$ 54,060$ 388,341$ 18.63%-2.40%0.00%13.85% DEDUCTIBLE 2,500$ 12.50%12.50%NET 187,556$ HRA CONTRIBUTION (1,700)$ Family Increase-Year 460$ BEGINNING BALANCE OF SAVINGS 788,942$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 976,498$ Increases in premiums for Health/Dental Employer 334,281$ Employee 54,060$ 388,341$ Total Option #3 PPO Dental Total CITY HEALTH CITY DENTAL CITY EMPLOYEE HEALTH EMPLOYEE DENTAL EMPLOYEE Employee Blue Cross BC PPO HRACOVERAGECountCountDed.Ded.10.0%10.0%TOTAL 10.0%10.0%TOTAL TOTAL Increase Health Dental Contribution TOTAL SINGLE 16 12 1 16 747.80$ 40.52$ 788.33$ 116.73$ 9.20$ 125.93$ 914.25$ 11.45$ 690.13$ 45.48$ 141.67$ 877.28$ COUPLE 34 24 2 68 1,437.81$ 80.89$ 1,518.70$ 224.40$ 18.37$ 242.77$ 1,761.47$ 22.07$ 1,309.06$ 90.80$ 283.33$ 1,683.19$ EMP/CHILD 2 1 2 4 1,018.07$ 124.72$ 1,142.79$ 158.88$ 28.34$ 187.22$ 1,330.01$ 17.02$ 834.25$ 139.99$ 283.33$ 1,257.57$ EMP/CHILDREN 0 3 2 - 1,408.97$ 124.72$ 1,533.69$ 219.89$ 28.34$ 248.23$ 1,781.91$ 22.57$ 1,273.39$ 139.99$ 283.33$ 1,696.71$ FAMILY 86 88 2 172 1,892.66$ 184.14$ 2,076.80$ 295.39$ 41.82$ 337.22$ 2,414.02$ 30.66$ 1,820.52$ 206.68$ 283.33$ 2,310.53$ TOTAL 138 128 260 2,707,863$ 233,811$ 2,941,674$ 422,628$ 53,101$ 475,729$ 3,417,403$ 2,565,400$ 262,432$ 442,000$ 3,269,832$ INCREASED DOLLARS 246,169$ 21,256$ 267,425$ 38,421$ 4,827$ 43,248$ 310,673$ 16.92%-2.40%0.00%12.56% DEDUCTIBLE 2,500$ 10.00%10.00%NET 147,571$ HRA CONTRIBUTION (1,700)$ Family Increase-Year 368$ BEGINNING BALANCE OF SAVINGS 788,942$ NET DEDUCTIBLE 800$ ENDING BALANCE IN SAVINGS 936,513$ Increases in premiums for Health/Dental Employer 267,425$ Employee 43,248$ 310,673$ Total Renewal of Current Option with Change to Choice Docs- CoPay for General Practitioner $20/$40 and $40/$60 for Specialist and 6 Tier Prescription Plan ($500 Brand Deductible with $2,000 individual/ $4,000 family out of pocket: Generic $10/$20 / Brand $30/$50 / Specialty $150/$250) Renewal of Current Option with no changes- Amounts Used in FY2021 Budget Process Blue Cross PPO--Drug $500 Deductible plus 10/30/50 copay/$40 Dr Copay w/Required Case Management/Coaching-If Employee or Spouse Fail to Engage will forfeit $850 to be dispersed July 1 2500 Ded 70/10-BC PPO Dental w/Surcharge w/2500 Annual Limit Renewal of Current Option with no changes in plan as quoted on 9/11/20 Renewal of Current Option with Change to Choice Docs- CoPay for General Practitioner $20/$40 and $40/$60 for Specialist