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Health Insurance Comparisons (2)
CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS-In FY15 we plan to do 13% employee and 87% employer CURRENT COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #2 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #3 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #4 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #5 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #6 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #7 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #8 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Blue Cross/Healthy Choice Count 20 20 2 6 75 123 Blue Cross/Healthy Choice Count 20 20 2 6 75 123 Blue Cross/Blue Cross Connect Count 20 20 2 6 75 123 Blue Cross/Blue Cross PPO Count 20 20 2 6 75 123 Blue Cross/Ameritas Count 20 20 2 6 75 123 Blue Cross/Delta Dental Count 20 20 2 6 75 123 Pacific Source/Healthy Choice Count 20 20 2 6 75 123 Pacific Source/Healthy Choice Count 20 20 2 6 75 123 Pacific Source/Healthy Choice Count 20 20 2 6 75 123 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 20 40 4 12 150 226 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE CITY HEALTH 578.54 920.04 566.72 884.68 1285.88 CITY HEALTH CITY HEALTH 616.7236 980.7626 604.1235 943.0689 1370.7481 CITY DENTAL 53.26 91.84 74.04 101.7 147.4 CITY DENTAL CITY DENTAL 56.7752 97.9014 78.9266 108.4122 157.1284 CITY TOTAL 631.8 1011.88 640.76 986.38 1433.28 2500 -1700 800 0.075 CITY 679.185 1087.771 688.817 1060.3585 1540.776 2500 -1700 800 0.075 CITY 679.185 1087.771 688.817 1060.3585 1540.776 2500 -1700 800 0.075 CITY 679.185 1087.771 688.817 1060.3585 1540.776 2500 -1700 800 0.075 CITY 679.185 1087.771 688.817 1060.3585 1540.776 2500 -1700 800 0.075 CITY 679.185 1087.771 688.817 1060.3585 1540.776 2500 -1700 800 0.078 CITY 681.0804 1090.8066 690.7393 1063.3176 1545.0758 2500 -1700 800 0.1 CITY 694.98 1113.068 704.836 1085.018 1576.608 3000 -2000 1000 0.066 CITY 673.4988 1078.6641 683.0502 1051.4811 1527.8765 2500 -1700 800 EMPLOYEE HEALTH 28.44 139.86 85.62 134.38 195.68 0.8297 0.6812 0.7981 0.8607 HEALTH HEALTH 0 149.0908 91.2709 143.2491 208.5949 EMPLOYEE DENTAL 3.16 12.32 9.86 13.56 19.84 DENTAL DENTAL 0 13.1331 10.5108 14.455 21.1494 EMPLOYEE TOTAL 31.6 152.18 95.48 147.94 215.52 0.130713245997089 0.075 EMPLOYEE 68.31 163.5935 116 159.0355 231.684 0.130713245997089 0.075 EMPLOYEE 67.6 163.5935 116 159.0355 231.684 0.130713245997089 0.075 EMPLOYEE 67.78 163.5935 116 159.0355 231.684 0.130713245997089 0.075 EMPLOYEE 68.06 163.5935 116 159.0355 231.684 0.130713245997089 0.075 EMPLOYEE 68.86 163.5935 116 159.0355 231.684 0.130713245997089 0.078 EMPLOYEE 68.31 164.05 102.9274 159.4793 232.3306 0.130713245997089 0.175 EMPLOYEE 68.31 178.8115 112.189 173.8295 253.236 0.138392125230347 0.066 EMPLOYEE 68.31 162.2239 101.7817 157.704 229.7443 0.130713245997089 TOTAL 663.4 1164.06 736.24 1134.32 1648.8 2021851.2 TOTAL 747.495 1251.3645 804.817 1219.394 1772.46 2182052.256 TOTAL 746.785 1251.3645 804.817 1219.394 1772.46 2181881.856 TOTAL 746.965 1251.3645 804.817 1219.394 1772.46 2181925.056 TOTAL 747.245 1251.3645 804.817 1219.394 1772.46 2181992.256 TOTAL 748.045 1251.3645 804.817 1219.394 1772.46 2182184.256 TOTAL 749.3904 1254.8567 793.6667 1222.797 1777.4064 2187774.4416 TOTAL 763.29 1291.8795 817.025 1258.8475 1829.844 2250345.9 TOTAL 741.8088 1240.888 784.8318 1209.1851 1757.6208 2163603.2352 Employee Increase 36.71 11.4135 20.52 11.0955 16.164 Family> Employee Increase 36 11.4135 20.52 11.0955 16.164 Family> Employee Increase 36.18 11.4135 20.52 11.0955 16.164 Family> Employee Increase 36.46 11.4135 20.52 11.0955 16.164 Family> Employee Increase 37.26 11.4135 20.52 11.0955 16.164 Family> Employee Increase 36.71 11.87 7.4474 11.5393 16.8106 Employee Increase 36.71 26.6315 16.709 25.8895 37.716 Employee Increase 36.71 10.0439 6.3017 9.764 14.2243 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 469 897.26 567.4 868.91 1249.18 RENEWAL Blue Cross Health 492.79 942.51 596.53 913.87 1312.72 5.08653676811988E-02 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 492.79 942.51 596.53 913.87 1312.72 5.08653676811988E-02 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 492.79 942.51 596.53 913.87 1312.72 5.08653676811988E-02 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 492.79 942.51 596.53 913.87 1312.72 5.08653676811988E-02 2500 Ded 90/10 --1250 Dental Annual Limit Pacific Source Health 492.79 942.51 596.53 913.87 1312.72 5.08653676811988E-02 2500 Ded 80/20 (Less Coinsurance) Pacific Source Health 498.85 954.19 603.83 925.03 1328.93 6.38418802734593E-02 3000 Ded 90/10 (More Deductible) Pacific Source Health 445.41 871.38 539.98 830.02 1213.34 -2.86908211786931E-02 2500 Ded 90/10 (Less Drug Benefits) Pacific Source Health 440.85 862.74 534.53 821.76 1201.41 -0.038241086152516 Healthy Choice Dental 27.1 54.18 54.18 83.49 123.34 Healthy Choice Dental 42.62 85.22 131.32 131.32 194 0.572887952002594 BC Connect Dental 35.48 70.84 109.22 109.22 161.26 0.307442840927517 BC PPO Dental 37.13 74.25 114.41 114.41 169.03 0.370439435706178 Ameritas Dental 40.04 82.56 122.52 122.52 165.04 0.338089832982001 Healthy Choice Dental 48.07 96.15 76.44 105.76 144.22 0.169288146586671 Healthy Choice Dental 27.1 54.18 54.18 83.49 123.34 0 Healthy Choice Dental 27.1 54.18 54.18 83.49 123.34 0 Healthy Choice Dental 27.1 54.18 54.18 83.49 123.34 0 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 NET UNUSED HRA & PARTIAL YEAR PREMIUMS BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 166.6667 333.3333 333.3333 333.3333 333.3333 0.176470588235294 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 11/20/2013 TOTAL 637.7667 1234.7733 904.9133 1235.7333 1655.8533 2050368.32 -28517.12 6500 90177 68159.88 TOTAL 677.0767 1311.0633 1011.1833 1328.5233 1790.0533 2208123.68 -26071.424 68159.88 42088.456 TOTAL 669.9367 1296.6833 989.0833 1306.4233 1757.3133 2171371.28 10510.576 68159.88 78670.456 TOTAL 671.5867 1300.0933 994.2733 1311.6133 1765.0833 2180076.92 1848.136 68159.88 70008.016 TOTAL 674.4967 1308.4033 1002.3833 1319.7233 1761.0933 2179957.28 2034.976 68159.88 70194.856 TOTAL 682.5267 1321.9933 956.3033 1302.9633 1740.2733 2164095.44 18088.816 68159.88 86248.696 TOTAL 667.6167 1291.7033 941.3433 1291.8533 1735.6033 2147885.48 39888.9616 68159.88 108048.8416 TOTAL 639.1767 1258.8933 927.4933 1246.8433 1670.0133 2070581.36 179764.54 68159.88 247924.42 TOTAL 609.6167 1200.2533 872.0433 1188.5833 1608.0833 1988150.84 175452.3952 68159.88 243612.2752 4.95479015313856E-02 0.123245291983414 0.105512866793873 0.119718385843763 0.130156455080563 0.100889608759225 0.124779250430312 0.114717080648086 0.119708473317493 0.129428545890625 0.100905060677377 0.126163031323505 0.117280310051394 0.121733511597823 0.131839891956282 0.10092517222895 0.125832119745249 0.116668119430606 0.121251817100568 0.131259525046032 0.100904872275129 0.125032928174544 0.115724190678882 0.120506697110758 0.131556911615512 0.100889830922357 0.123747598323743 0.12130042420292 0.122056773150434 0.133130810868791 0.102319195146916 0.127002877337676 0.109341019748374 0.123450020126124 0.133861554387427 0.106871861196435 0.142038642405499 0.1209593599954 0.13941567104127 0.151637112677743 0.112054023019931 0.13515803330408 0.116716309969306 0.132682358550095 0.14286841685236 0.13 OF COST 88.02 170.4382 131.4538 172.708 232.7069 0.124 OF COST 87.0918 168.5688 128.5808 169.835 228.4507 0.124 OF COST 87.3063 169.0121 129.2555 170.5097 229.4608 0.124 OF COST 87.6846 170.0924 130.3098 171.564 228.9421 0.124 OF COST 88.7285 171.8591 124.3194 169.3852 226.2355 0.124 OF COST 86.7902 167.9214 122.3746 167.9409 225.6284 0.124 OF COST 83.093 163.6561 120.5741 162.0896 217.1017 0.124 OF COST 79.2502 156.0329 113.3656 154.5158 209.0508 CHANGE 19.71 6.8447 15.4538 13.6725 1.0229 CHANGE 19.4918 4.9753 12.5808 10.7995 -3.2333 CHANGE 19.5263 5.4186 13.2555 11.4742 -2.2232 CHANGE 19.6246 6.4989 14.3098 12.5285 -2.7419 CHANGE 19.8685 8.2656 8.3194 10.3497 -5.4485 CHANGE 18.4802 3.8714 19.4472 8.4616 -6.7021 CHANGE 14.783 -15.1554 8.3851 -11.7399 -36.1343 CHANGE 10.9402 -6.1909 11.584 -3.1882 -20.6935 MEDICAL 456.71 879.67 549.81 840.49 1220.76 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 485.09 934.34 583.98 892.72 1296.62 MEDICAL 433.73 849.33 525.22 810.83 1184.45 MEDICAL 429.32 840.84 519.92 802.72 1172.67 VISION 9.79 15.09 15.09 25.92 25.92 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 9.03 19.4 12.11 16.54 26.24 VISION 9.03 19.4 12.11 16.54 26.24 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.65 2.65 2.65 2.65 2.65 EAP 2.5 2.5 2.5 2.5 2.5 AGENT 0 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee TOTAL 469 897.26 567.4 868.91 1249.18 0 0 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 8.10458253146413E-02 0.05 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 6.12735427453317E-02 0.05 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 6.59659873257696E-02 0.05 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 6.35563536223016E-02 0.05 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 5.09827762523252E-02 0.05 0 TOTAL 498.85 954.19 603.83 925.03 1328.93 4.81624781582908E-02 0.05 0 TOTAL 445.41 871.38 539.98 830.02 1213.34 8.55148201531541E-03 0.05 0 TOTAL 440.85 862.74 534.53 821.76 1201.41 -2.88491734372609E-02 0.05 0 TOTAL TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE 0.05 TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE CONTRIBUTIONS CITY 1770832.8 CITY 1903645.26 132812.46 0.075 CITY 1903645.26 132812.46 0.075 CITY 1903645.26 132812.46 0.075 CITY 1903645.26 132812.46 0.075 CITY 1903645.26 132812.46 0.075 CITY 1908957.7584 138124.9584 7.80000000000001E-02 CITY 1947916.08 177083.28 0.1 CITY 1887707.7648 116874.9648 6.60000000000001E-02 EMP 251018.4 EMP 278406.996 27388.596 0.10910991385492 EMP 278236.596 27218.196 0.10843107915595 EMP 278279.796 27261.396 0.108603178093716 EMP 278346.996 27328.596 0.108870887552466 EMP 278538.996 27520.596 1.55410471276565E-02 EMP 278816.6832 27798.2832 0.110742014131236 EMP 302429.82 51411.42 0.204811360442104 EMP 275895.4704 275895.4704 1.0991045692268 TOTAL 2021851.2 TOTAL 2182052.256 160201.056 7.92348398339106E-02 TOTAL 2181881.856 160030.656 7.91505606347292E-02 TOTAL 2181925.056 160073.856 0.079171927192268 TOTAL 2181992.256 160141.056 7.92051640595509E-02 TOTAL 2182184.256 160333.056 9.05410471276565E-02 TOTAL 2187774.4416 165923.2416 8.20650113124053E-02 TOTAL 2250345.9 228494.7 0.113012619326289 TOTAL 2163603.2352 2163603.2352 1.07011002352695 CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2015 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL No need to bid out for 2015 because our quote came back and our insurance cost will actually be going down in 2015. all options included below are not updated.mkn Option #2 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #3 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #4 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #5 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #6 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #7 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #8 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Blue Cross/Blue Cross PPO Count 18 21 3 5 76 123 Blue Cross/Blue Cross PPO Count 18 21 3 5 76 123 Blue Cross/Blue Cross Connect Count 18 21 3 5 76 123 Count 18 21 3 5 76 123 Count 18 21 3 5 76 123 Count 18 21 3 5 76 123 Count 18 21 3 5 76 123 Count 18 21 3 5 76 123 Count 18 21 3 5 76 123 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 18 42 6 10 152 228 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE CITY HEALTH 621.94 989.06 609.22 951.04 1382.32 CITY HEALTH CITY HEALTH 662.988 1054.338 649.4285 1013.8086 1473.5531 CITY DENTAL 57.26 98.72 79.6 109.34 158.44 CITY DENTAL CITY DENTAL 61.0392 105.2355 84.8536 116.5564 168.897 CITY TOTAL 679.2 1087.78 688.82 1060.38 1540.76 2500 -1700 800 0 CITY 679.2 1087.78 688.82 1060.38 1540.76 2500 -1700 800 0.075 CITY 730.14 1169.3635 740.4815 1139.9085 1656.317 2500 -1700 800 0.075 CITY 730.14 1169.3635 740.4815 1139.9085 1656.317 2500 -1700 800 0.075 CITY 730.14 1169.3635 740.4815 1139.9085 1656.317 2500 -1700 800 0.075 CITY 730.14 1169.3635 740.4815 1139.9085 1656.317 2500 -1700 800 0.078 CITY 732.1776 1172.6268 742.548 1143.0896 1660.9393 2500 -1700 800 0.1 CITY 747.12 1196.558 757.702 1166.418 1694.836 3000 -2000 1000 0.066 CITY 724.0272 1159.5735 734.2821 1130.3651 1642.4502 2500 -1700 800 EMPLOYEE HEALTH 60.86 150.36 104.08 144.46 210.36 EMPLOYEE HEALTH HEALTH HEALTH 0 160.2838 110.9493 153.9944 224.2438 EMPLOYEE DENTAL 6.76 13.26 11.94 14.58 21.32 EMPLOYEE DENTAL DENTAL DENTAL 0 14.1352 12.728 15.5423 22.7271 EMPLOYEE TOTAL 67.62 163.62 116.02 159.04 231.68 0.130712464173681 0 EMPLOYEE 86 166 128 169 231.68 0.130712464173681 0.075 EMPLOYEE 67.6 175.8915 116 170.968 249.056 0.130712464173681 0.075 EMPLOYEE 67.78 175.8915 116 170.968 249.056 0.130712464173681 0.075 EMPLOYEE 68.06 175.8915 116 170.968 249.056 0.130712464173681 0.075 EMPLOYEE 68.86 175.8915 116 170.968 249.056 0.130712464173681 0.078 EMPLOYEE 68.31 176.3824 125.0696 171.4451 249.751 0.130712464173681 0.175 EMPLOYEE 68.31 192.2535 136.3235 186.872 272.224 0.138391304789889 0.066 EMPLOYEE 68.31 174.4189 123.6773 169.5366 246.9709 0.130712464173681 TOTAL 746.82 1251.4 804.84 1219.42 1772.44 2195270.64 TOTAL 765.2 1253.78 816.82 1229.38 1772.44 2200869.36 TOTAL 797.74 1345.255 856.4815 1310.8765 1905.373 2358502.2 TOTAL 797.92 1345.255 856.4815 1310.8765 1905.373 2358541.08 TOTAL 798.2 1345.255 856.4815 1310.8765 1905.373 2358601.56 TOTAL 799 1345.255 856.4815 1310.8765 1905.373 2358774.36 TOTAL 800.4876 1349.0092 867.6175 1314.5348 1910.6903 2365511.5282 TOTAL 815.43 1388.8115 894.0255 1353.29 1967.06 2433454.416 TOTAL 792.3372 1333.9924 857.9594 1299.9017 1889.421 2339343.5515 Employee Increase 18.38 2.38 11.98 9.96 0 Family> Employee Increase -0.02 12.2715 -0.02 11.928 17.376 Family> Employee Increase 0.16 12.2715 -0.02 11.928 17.376 Family> Employee Increase 0.44 12.2715 -0.02 11.928 17.376 Family> Employee Increase 1.24 12.2715 -0.02 11.928 17.376 Family> Employee Increase 0.69 12.7624 9.0496 12.4051 18.071 Employee Increase 0.69 28.6335 20.3035 27.832 40.544 Employee Increase 0.69 10.7989 7.6573 10.4966 15.2909 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 492.9 942.62 596.64 913.98 1312.83 RENEWAL Blue Cross Health 482.81 920.93 586.47 900.15 1285.72 -2.06500460836514E-02 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 492.79 942.51 596.53 913.87 1312.72 -8.37884569974134E-05 Blue Cross Health 492.79 942.51 596.53 913.87 1312.72 -8.37884569974134E-05 Blue Cross Health 492.79 942.51 596.53 913.87 1312.72 -8.37884569974134E-05 Pacific Source Health 492.79 942.51 596.53 913.87 1312.72 -8.37884569974134E-05 Pacific Source Health 498.85 954.19 603.83 925.03 1328.93 1.22635832514491E-02 Pacific Source Health 445.41 871.38 539.98 830.02 1213.34 -7.57828507879922E-02 Pacific Source Health 440.85 862.74 534.53 821.76 1201.41 -8.48700898059915E-02 BC PPO Dental 37.13 74.25 114.41 114.41 169.03 Blue Cross PPO Dental Dental 37.13 74.25 114.41 114.41 169.03 0 BC Connect Dental 35.48 70.84 109.22 109.22 161.26 -4.59681713305331E-02 BC PPO Dental 37.13 74.25 114.41 114.41 169.03 0 Ameritas Dental 40.04 82.56 122.52 122.52 165.04 -2.36052771697333E-02 Healthy Choice Dental 48.07 96.15 76.44 105.76 144.22 -0.146778678341123 Healthy Choice Dental 27.1 54.18 54.18 83.49 123.34 -0.270307046086493 Healthy Choice Dental 27.1 54.18 54.18 83.49 123.34 -0.270307046086493 Healthy Choice Dental 27.1 54.18 54.18 83.49 123.34 -0.270307046086493 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 166.6667 333.3333 333.3333 333.3333 333.3333 0.176470588235294 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 10/12/2015 TOTAL 671.6967 1300.2033 994.3833 1311.7233 1765.1933 2197095.24 -1824.6 61793.55 59968.95 TOTAL 661.6067 1278.5133 984.2133 1297.8933 1738.0833 2163529.68 37339.68 59968.95 97308.63 TOTAL 669.9367 1296.6833 989.0833 1306.4233 1757.3133 2188132.68 170369.52 TOTAL 671.5867 1300.0933 994.2733 1311.6133 1765.0833 2196932.88 161608.2 TOTAL 674.4967 1308.4033 1002.3833 1319.7233 1761.0933 2196795.24 161806.32 59968.95 221775.27 TOTAL 682.5267 1321.9933 956.3033 1302.9633 1740.2733 2180302.08 178472.28 TOTAL 667.6167 1291.7033 941.3433 1291.8533 1735.6033 2163984.24 201527.2882 TOTAL 639.1767 1258.8933 927.4933 1246.8433 1670.0133 2086555.8 346898.616 TOTAL 609.6167 1200.2533 872.0433 1188.5833 1608.0833 2003421.6 335921.9515 0.100670441518741 0.125841855504652 0.116675326416707 0.121245079628072 0.131249079420951 0.129986598280952 0.129838301777585 0.130053105017882 0.130211008608822 0.133296255453804 0.100905060677377 0.135647228184728 0.117280310051394 0.13086722782559 0.141725436935929 0.10092517222895 0.13529144061452 0.116668119430606 0.130349391588985 0.141101553278882 0.100904872275129 0.134432170508075 0.115724190678882 0.129548364935075 0.141421238321649 0.100889830922357 0.133050217096405 0.12130042420292 0.131214743827532 0.143113150807728 0.102319195146916 0.136550208897296 0.132862852023527 0.132712526705818 0.143898686527836 0.106871861196435 0.152716274611564 0.146980571288922 0.149876087078569 0.163007081779786 0.112054023019931 0.145318421666537 0.14182474112525 0.142637571338428 0.153580896512411 0.124 OF COST 87.3206 169.0264 129.2698 170.524 229.4751 0.13 OF COST 86.0089 166.2067 127.9477 168.7261 225.9508 0.124 OF COST 87.0918 168.5688 128.5808 169.835 228.4507 0.124 OF COST 87.3063 169.0121 129.2555 170.5097 229.4608 0.124 OF COST 87.6846 170.0924 130.3098 171.564 228.9421 0.124 OF COST 88.7285 171.8591 124.3194 169.3852 226.2355 0.124 OF COST 86.7902 167.9214 122.3746 167.9409 225.6284 0.124 OF COST 83.093 163.6561 120.5741 162.0896 217.1017 0.124 OF COST 79.2502 156.0329 113.3656 154.5158 209.0508 CHANGE 19.7006 5.4064 13.2498 11.484 -2.2049 CHANGE 0.0089 0.2067 -0.0523 -0.2739 -5.7292 CHANGE 19.4918 -7.3227 12.5808 -1.133 -20.6053 CHANGE 19.5263 -6.8794 13.2555 -0.4583 -19.5952 CHANGE 19.6246 -5.7991 14.3098 0.596 -20.1139 CHANGE 19.8685 -4.0324 8.3194 -1.5828 -22.8205 CHANGE 18.4802 -8.4609 -2.6949 -3.5042 -24.1226 CHANGE 14.783 -28.5974 -15.7494 -24.7824 -55.1223 CHANGE 10.9402 -18.386 -10.3117 -15.0208 -37.92 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 463.08 891.94 557.48 852.21 1237.78 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 479.03 922.66 576.68 881.56 1280.41 MEDICAL 485.09 934.34 583.98 892.72 1296.62 MEDICAL 433.73 849.33 525.22 810.83 1184.45 MEDICAL 429.32 840.84 519.92 802.72 1172.67 VISION 11.26 17.35 17.35 29.81 29.81 VISION 17.12 26.38 26.38 45.33 45.33 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 11.26 17.35 17.35 29.81 29.81 VISION 9.03 19.4 12.11 16.54 26.24 VISION 9.03 19.4 12.11 16.54 26.24 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.65 2.65 2.65 2.65 2.65 EAP 2.5 2.5 2.5 2.5 2.5 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE NURSE LINE NURSE LINE NURSE LINE NURSE LINE NURSE LINE NURSE LINE AGENT 0 0 0 0 0 Family Increase Single Percent AGENT 0 0 0 0 0 Family Increase Single Percent AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee TOTAL 492.9 942.62 596.64 913.98 1312.83 0 0 TOTAL 482.81 920.93 586.47 900.15 1285.72 -1.53580910872841E-02 2.93161567622113E-02 TOTAL 492.79 942.51 596.53 913.87 1312.72 -4.46410024964206E-03 0.05 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 -6.23161202361056E-05 0.05 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 -2.32269175425537E-03 0.05 0 TOTAL 492.79 942.51 596.53 913.87 1312.72 -1.41174337844012E-02 0.05 0 TOTAL 498.85 954.19 603.83 925.03 1328.93 -1.67630363435167E-02 0.05 0 TOTAL 445.41 871.38 539.98 830.02 1213.34 -5.39204393097639E-02 0.05 0 TOTAL 440.85 862.74 534.53 821.76 1201.41 -8.90044150027003E-02 0.05 0 DENTAL 37.13 74.25 114.41 114.41 169.03 DENTAL 37.13 74.25 114.41 114.41 169.03 TOTAL HEALTH/ DENTAL 530.03 1016.87 711.05 1028.39 1481.86 TOTAL HEALTH/ DENTAL 519.94 995.18 700.88 1014.56 1454.75 TOTAL TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE 0.05 TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE TOTAL INCREASE INCREASE CONTRIBUTIONS CITY 1914421.2 CITY 1914421.2 0 0 CITY 2058002.79 143581.59 7.49999999999998E-02 CITY 2058002.79 143581.59 7.49999999999998E-02 CITY 2058002.79 143581.59 7.49999999999998E-02 CITY 2058002.79 143581.59 7.49999999999998E-02 CITY 2063746.0536 149324.8536 0.078 CITY 2105863.32 191442.12 0.1 CITY 2040772.9992 126351.7992 6.60000000000001E-02 EMP 280849.44 EMP 286448.16 5598.72 1.99349516239012E-02 EMP 300499.41 19649.97 6.99662068046138E-02 EMP 300538.29 19688.85 7.01046439686699E-02 EMP 300598.77 19749.33 7.03199906683108E-02 EMP 300771.57 19922.13 1.04063463150116E-02 EMP 301765.4746 20916.0346 7.44741900144079E-02 EMP 327591.096 46741.656 0.166429585901969 EMP 298570.5523 298570.5523 1.06309826474997 TOTAL 2195270.64 TOTAL 2200869.36 5598.72 2.55035524913673E-03 TOTAL 2358502.2 163231.56 7.43560074214811E-02 TOTAL 2358541.08 163270.44 7.43737182218225E-02 TOTAL 2358601.56 163330.92 7.44012683556866E-02 TOTAL 2358774.36 163503.72 8.54063463150114E-02 TOTAL 2365511.5282 170240.8882 7.75489295297094E-02 TOTAL 2433454.416 238183.776 0.108498593139295 TOTAL 2339343.5515 2339343.5515 1.06562876981765 CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2016 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #2 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #3 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #4 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #5 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #6 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #7 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #8 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Blue Cross/Blue Cross PPO Count 16 22 2 7 77 124 Blue Cross PPO Count 16 22 2 7 77 124 Blue Cross PPO Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO Count 16 22 2 7 77 124 Count 16 22 2 7 77 124 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE City HEALTH 0.021 554.6062 1069.6133 772.5225 1051.155 1388.8396 2500 -1700 800 City HEALTH 0 575.274 1109.0367 794.9638 1089.1503 1451.049 2500 -1700 800 City HEALTH 0 575.274 1109.0367 794.9638 1089.1503 1451.049 2500 -1700 800 City HEALTH 0.015 566.6334 1092.397 786.0891 1073.6873 1426.6421 2500 -1700 800 City HEALTH 0.021 569.9829 1098.8545 790.7359 1080.0343 1435.0754 2500 -1700 800 City HEALTH 0.021 569.9829 1098.8545 790.7359 1080.0343 1435.0754 2500 -1700 800 City HEALTH 0.028 573.8907 1106.3883 796.1572 1087.439 1444.9143 2500 -1700 800 City HEALTH 0.004 577.5751 1113.4728 798.1437 1093.5069 1456.8532 2500 -1700 800 City HEALTH 0 582.5167 1146.0733 817.8633 1105.0933 1484.7433 2500 -1700 800 CITY DENTAL 30.8676 61.6308 95.0214 95.0214 139.8124 CITY DENTAL 40.6377 81.137 125.0963 125.0963 184.6948 CITY DENTAL 38.2887 76.447 117.8653 117.8653 174.0188 CITY DENTAL 40.6377 81.137 125.0963 125.0963 184.6948 CITY DENTAL 38.2887 76.447 117.8653 117.8653 174.0188 CITY DENTAL 33.3457 66.5271 102.5977 102.5977 151.5022 CITY DENTAL 35.966 71.8097 110.8726 111.329 164.084 CITY DENTAL 33.3457 66.5271 102.5977 102.5977 151.5022 CITY DENTAL 46.98 93.8 144.62 144.62 213.52 CITY TOTAL 585.4738 1131.2441 867.5439 1146.1764 1528.652 1940633.7629 CITY TOTAL 615.9117 1190.1737 920.0601 1214.2466 1635.7438 2067966.3644 6.56139267091347E-02 CITY TOTAL 613.5627 1185.4837 912.8291 1207.0156 1625.0678 2055631.6244 5.92578897093985E-02 CITY TOTAL 607.2711 1173.534 911.1854 1198.7836 1611.3369 2037850.5502 5.00953807585456E-02 CITY TOTAL 608.2716 1175.3015 908.6012 1197.8996 1609.0942 2036300.7927 4.92967975952416E-02 CITY TOTAL 603.3287 1165.3817 893.3335 1182.6319 1586.5776 2010278.6197 3.58876868823756E-02 CITY TOTAL 609.8567 1178.1979 907.0298 1198.768 1608.9983 2037316.3686 4.98201193378647E-02 CITY TOTAL 610.9209 1180 900.7413 1196.1046 1608.3554 2037027.7529 4.96713969429874E-02 CITY TOTAL 629.4967 1239.8733 962.4833 1249.7133 1698.2633 2145460.76 0.105546446219541 0.13 0.13 0.13 0.13 0.133 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 EMPLOYEE HEALTH 81.1677 156.5399 113.0601 153.8385 208.6695 EMPLOYEE HEALTH 89.7827 173.0866 124.0695 169.983 226.4643 EMPLOYEE HEALTH 89.7827 173.0866 124.0695 169.983 226.4643 EMPLOYEE HEALTH 87.1272 167.9702 120.8714 165.0933 219.3646 EMPLOYEE HEALTH 87.1272 167.9702 120.8714 165.0933 219.3646 EMPLOYEE HEALTH 87.1272 167.9701 120.8714 165.0933 219.3646 EMPLOYEE HEALTH 87.1272 167.9702 120.8713 165.0933 219.3646 EMPLOYEE HEALTH 89.7827 173.0866 124.0695 169.983 226.4643 EMPLOYEE HEALTH 0 0 0 0 0 0.13 0.13 0.13 0.13 0.133 0.135 0.135 0.135 0.135 0.135 0.185 0.185 0.185 0.185 0.185 0.135 0.135 0.135 0.135 0.135 0.185 0.185 0.185 0.185 0.185 0.135 0.135 0.135 0.135 0.135 0.185 0.185 0.185 0.185 0.185 0.135 0.135 0.135 0.135 0.135 EMPLOYEE DENTAL 4.6124 9.2092 14.1986 14.1986 21.4476 EMPLOYEE DENTAL 6.3423 12.663 19.5237 19.5237 28.8252 EMPLOYEE DENTAL 8.6913 17.353 26.7547 26.7547 39.5012 EMPLOYEE DENTAL 6.3423 12.663 19.5237 19.5237 28.8252 EMPLOYEE DENTAL 8.6913 17.353 26.7547 26.7547 39.5012 EMPLOYEE DENTAL 5.2043 10.3828 16.0124 16.0124 23.6448 EMPLOYEE DENTAL 8.164 16.3003 25.1674 25.271 37.2461 EMPLOYEE DENTAL 5.2043 10.3828 16.0124 16.0124 23.6448 EMPLOYEE DENTAL 0 0 0 0 0 EMPLOYEE TOTAL 85.7801 165.7491 127.2587 168.0371 230.117 290025.0208 EMPLOYEE TOTAL 96.1249 185.7497 143.5932 189.5067 255.2895 322746.1956 0.112821902969715 EMPLOYEE TOTAL 98.474 190.4397 150.8242 196.7377 265.9655 335080.9356 0.155351819748188 EMPLOYEE TOTAL 93.4695 180.6332 140.395 184.617 248.1898 313838.0262 8.21067275196818E-02 EMPLOYEE TOTAL 95.8185 185.3232 147.6261 191.848 258.8658 326172.7662 0.124636644298155 EMPLOYEE TOTAL 92.3315 178.353 136.8837 181.1057 243.0095 307851.6872 6.14659600346501E-02 EMPLOYEE TOTAL 95.2913 184.2705 146.0387 190.3643 256.6107 323547.15 0.115583576420096 EMPLOYEE TOTAL 94.9869 183.4695 140.0819 185.9954 250.1091 316759.8566 9.21811354846829E-02 EMPLOYEE TOTAL 0 0 0 0 0 0 -1 TOTAL 671.2538 1296.9932 994.8026 1314.2136 1758.7691 2230658.7838 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 7.17517970093897E-02 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 7.17517970093897E-02 TOTAL 700.7406 1354.1671 1051.5804 1383.4006 1859.5267 2351688.5764 0.054257420950055 TOTAL 704.0901 1360.6247 1056.2272 1389.7476 1867.9601 2362473.5589 5.90923076791958E-02 TOTAL 695.6601 1343.7347 1030.2172 1363.7376 1829.5871 2318130.3069 3.92133139384174E-02 TOTAL 705.1479 1362.4684 1053.0685 1389.1323 1865.609 2360863.5186 5.83705297142612E-02 TOTAL 705.9078 1363.4695 1040.8232 1382.0999 1858.4645 2353787.6094 5.51984133994112E-02 TOTAL 629.4967 1239.8733 962.4833 1249.7133 1698.2633 2145460.76 -3.81941085618711E-02 Employee Increase 10.3449 20.0005 16.3345 21.4696 25.1725 Family> Employee Increase 12.6939 24.6905 23.5655 28.7006 35.8485 Family> Employee Increase 7.6894 14.884 13.1363 16.5799 18.0728 Family> Employee Increase 10.0384 19.574 20.3673 23.8109 28.7488 Family> Employee Increase 6.5514 12.6039 9.625 13.0685 12.8925 Family> Employee Increase 9.5112 18.5214 18.78 22.3272 26.4937 Employee Increase 9.2068 17.7204 12.8231 17.9582 19.9921 Employee Increase -85.7801 -165.7491 -127.2587 -168.0371 -230.117 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 482.7 920.82 586.36 900.04 1285.61 RENEWAL--Normal Sharing Blue Cross Health 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 Surcharge for BC PPO Dental Blue Cross Health 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 Normal Sharing Blue Cross Health 503.72 960.89 612.01 939.58 1341.59 4.35435318642512E-02 Surcharge for BC PPO Dental Blue Cross Health 503.72 960.89 612.01 939.58 1341.59 4.35435318642512E-02 Dental Blue Connect Blue Cross Health 503.72 960.89 612.01 939.58 1341.59 4.35435318642512E-02 Dental 1500/1500 Max/Ortho Blue Cross Health 503.72 960.89 612.01 939.58 1341.59 4.35435318642512E-02 Dental Blue Connect Blue Cross Health 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 Pacific Source Health 440.85 862.74 534.53 821.76 1201.41 -6.54942011963191E-02 BC PPO Dental 35.48 70.84 109.22 109.22 161.26 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 Blue Connect Dental 38.55 76.91 118.61 118.61 175.147 8.61155897308694E-02 BC PPO Dental 44.13 88.11 136.04 136.6 201.33 0.248480714374302 Blue Connect Dental 38.55 76.91 118.61 118.61 175.147 8.61155897308694E-02 Healthy Choice Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 10/12/2015 TOTAL 659.8467 1274.9933 978.9133 1292.5933 1730.2033 2194068.44 36590.3438 60000 96590.3438 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 0 96590.3438 96590.3438 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 0 96590.3438 96590.3438 TOTAL 692.3667 1338.0233 1039.9633 1367.5333 1838.4433 2324726.12 26962.4564 96590.3438 123552.8001 TOTAL 692.3667 1338.0233 1039.9633 1367.5333 1838.4433 2324726.12 37747.4389 96590.3438 134337.7827 TOTAL 683.9367 1321.1333 1013.9533 1341.5233 1800.0703 2280382.868 37747.4389 96590.3438 134337.7827 TOTAL 689.5167 1332.3333 1031.3833 1359.5133 1826.2533 2310533.6 50329.9186 96590.3438 146920.2623 TOTAL 703.6067 1359.0333 1037.6433 1377.7433 1852.6603 2346369.308 7418.3014 96590.3438 104008.6452 TOTAL 629.4967 1239.8733 962.4833 1249.7133 1698.2633 2145460.76 0 96590.3438 96590.3438 0.13 0.13 0.13 0.13 0.133 0.135 0.135 0.135 0.135 0.135 0.138298987411697 0.138408620150832 0.141798267605987 0.140151189905159 0.140645590594208 0.135 0.135 0.135 0.135 0.135 0.138392710991286 0.138505170562546 0.14195312975778 0.140287622483303 0.140807086792631 0.135 0.135 0.135 0.135 0.135 0.138200067680259 0.138306604953715 0.141595026097636 0.140023856576128 0.140512104928853 0.135 0.135 0.135 0.135 0.135 0 0 0 0 0 0.124 OF COST 85.7801 165.7491 127.2587 168.0371 224.9264 0.13 OF COST 92.5648 178.87 138.2749 182.4879 245.8343 0.124 OF COST 92.5648 178.87 138.2749 182.4879 245.8343 0.124 OF COST 90.0077 173.943 135.1952 177.7793 238.9976 0.124 OF COST 90.0077 173.943 135.1952 177.7793 238.9976 0.124 OF COST 88.9118 171.7473 131.8139 174.398 234.0091 0.124 OF COST 89.6372 173.2033 134.0798 176.7367 237.4129 0.124 OF COST 91.4689 176.6743 134.8936 179.1066 240.8458 0.124 OF COST 81.8346 161.1835 125.1228 162.4627 220.7742 CHANGE 0 0 0 0 -5.1906 CHANGE -3.5602 -6.8796 -5.3183 -7.0188 -9.4552 CHANGE -5.9092 -11.5696 -12.5493 -14.2498 -20.1312 CHANGE -3.4618 -6.6901 -5.1998 -6.8377 -9.1922 CHANGE -5.8108 -11.3801 -12.4308 -14.0687 -19.8682 CHANGE -3.4197 -6.6057 -5.0698 -6.7076 -9.0004 CHANGE -5.6541 -11.0672 -11.9589 -13.6276 -19.1978 CHANGE -3.518 -6.7952 -5.1882 -6.8887 -9.2633 CHANGE 81.8346 161.1835 125.1228 162.4627 220.7742 MEDICAL 462.97 891.83 557.37 852.1 1237.67 MEDICAL 502.59 968.16 605.07 925.04 1343.42 MEDICAL 502.59 968.16 605.07 925.04 1343.42 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 502.59 968.16 605.07 925.04 1343.42 MEDICAL 429.32 840.84 519.92 802.72 1172.67 VISION 17.12 26.38 26.38 45.33 45.33 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 9.03 19.4 12.11 16.54 26.24 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE AGENT 0 0 0 0 0 AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee TOTAL 482.7 920.82 586.36 900.04 1285.61 TOTAL 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 TOTAL 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 TOTAL 503.72 960.89 612.01 939.58 1341.59 6.25591211822889E-02 TOTAL 503.72 960.89 612.01 939.58 1341.59 6.25591211822889E-02 TOTAL 503.72 960.89 612.01 939.58 1341.59 4.03808030270045E-02 TOTAL 503.72 960.89 612.01 939.58 1341.59 5.55137064815119E-02 0.05 0 TOTAL 523.39 998.79 635.7 975.8 1394.18 0.070776074488355 0.05 0 TOTAL 440.85 862.74 534.53 821.76 1201.41 -1.84602580428889E-02 0.05 0 1.0843 1.0847 1.0841 1.0842 1.0845 1.0843 1.0847 1.0841 1.0842 1.0845 1.0435 1.0435 1.0437 1.0439 1.0435 1.0435 1.0435 1.0437 1.0439 1.0435 1.0435 1.0435 1.0437 1.0439 1.0435 1.0435 1.0435 1.0437 1.0439 1.0435 1.0843 1.0847 1.0841 1.0842 1.0845 0.9133 0.9369 0.9116 0.913 0.9345 DENTAL 35.48 70.84 109.22 109.22 161.26 DENTAL 46.98 93.8 144.62 144.62 213.52 0.324072925710034 DENTAL 46.98 93.8 144.62 144.62 213.52 DENTAL 46.98 93.8 144.62 144.62 213.52 DENTAL 46.98 93.8 144.62 144.62 213.52 DENTAL 38.55 76.91 118.61 118.61 175.147 DENTAL 44.13 88.11 136.04 136.6 201.33 DENTAL 38.55 76.91 118.61 118.61 175.147 DENTAL 46.98 93.8 144.62 144.62 213.52 1.32412626832018 1.32411067193676 1.32411646218641 1.32411646218641 1.32407292571003 TOTAL HEALTH/ DENTAL 518.18 991.66 695.58 1009.26 1446.87 TOTAL HEALTH/ DENTAL 570.37 1092.59 780.32 1120.42 1607.7 570.37 1092.59 780.32 1120.42 1607.7 550.7 1054.69 756.63 1084.2 1555.11 550.7 1054.69 756.63 1084.2 1555.11 542.27 1037.8 730.62 1058.19 1516.737 547.85 1049 748.05 1076.18 1542.92 561.94 1075.7 754.31 1094.41 1569.327 487.83 956.54 679.15 966.38 1414.93 CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2016-We chose Option 4 and 5 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #2 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #3 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #4 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #5 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #6 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #7 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #8 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Blue Cross/Blue Cross PPO Count 16 22 2 7 77 124 Blue Cross PPO Count 16 22 2 7 77 124 Blue Cross PPO Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 16 22 2 7 77 124 Blue Cross PPO Count 16 22 2 7 77 124 Count 16 22 2 7 77 124 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 14 154 232 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE City HEALTH 0 621.94 989.06 609.22 951.04 1382.32 2500 -1700 800 City HEALTH 0 575.274 1109.0367 794.9638 1089.1503 1451.049 2500 -1700 800 City HEALTH 0 575.274 1109.0367 794.9638 1089.1503 1451.049 2500 -1700 800 City HEALTH 0.015 566.6334 1092.397 786.0891 1073.6873 1426.6421 2500 -1700 800 City HEALTH 0.021 569.0379 1097.4061 789.2875 1077.5437 1432.5849 2500 -1700 800 City HEALTH 0.021 569.0379 1097.4061 789.2875 1077.5437 1432.5849 2500 -1700 800 City HEALTH 0.028 573.8907 1106.3883 796.1572 1087.439 1444.9143 2500 -1700 800 City HEALTH 0.004 577.5751 1113.4728 798.1437 1093.5069 1456.8532 2500 -1700 800 City HEALTH 0 582.5167 1146.0733 817.8633 1105.0933 1484.7433 2500 -1700 800 CITY DENTAL 57.26 98.72 79.6 109.34 158.44 CITY DENTAL 40.6377 81.137 125.0963 125.0963 184.6948 CITY DENTAL 38.2887 76.447 117.8653 117.8653 174.0188 CITY DENTAL 40.6377 81.137 125.0963 125.0963 184.6948 CITY DENTAL 38.2887 76.447 117.8653 117.8653 174.0188 CITY DENTAL 33.3457 66.5271 102.5977 102.5977 151.5022 CITY DENTAL 35.966 71.8097 110.8726 111.329 164.084 CITY DENTAL 33.3457 66.5271 102.5977 102.5977 151.5022 CITY DENTAL 46.98 93.8 144.62 144.62 213.52 CITY TOTAL 679.2 1087.78 688.82 1060.38 1540.76 1946846.16 CITY TOTAL 615.9117 1190.1737 920.0601 1214.2466 1635.7438 2067966.3644 6.22135466522944E-02 CITY TOTAL 613.5627 1185.4837 912.8291 1207.0156 1625.0678 2055631.6244 0.055877791802512 CITY TOTAL 607.2711 1173.534 911.1854 1198.7836 1611.3369 2037850.5502 0.046744520469455 CITY TOTAL 607.3266 1173.8531 907.1528 1195.409 1606.6037 2033191.7693 4.43515317692074E-02 CITY TOTAL 602.3837 1163.9333 891.8852 1180.1414 1584.087 2007169.5963 3.09852096043375E-02 CITY TOTAL 609.8567 1178.1979 907.0298 1198.768 1608.9983 2037316.3686 4.64701374095218E-02 CITY TOTAL 610.9209 1180 900.7413 1196.1046 1608.3554 2037027.7529 4.63218895886461E-02 CITY TOTAL 629.4967 1239.8733 962.4833 1249.7133 1698.2633 2145460.76 0.102018641267474 0.13 0.13 0.13 0.13 0.133 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 EMPLOYEE HEALTH 77.4 149.4 115.2 152.1 210.36 EMPLOYEE HEALTH 89.7827 173.0866 124.0695 169.983 226.4643 EMPLOYEE HEALTH 89.7827 173.0866 124.0695 169.983 226.4643 EMPLOYEE HEALTH 87.1272 167.9702 120.8714 165.0933 219.3646 EMPLOYEE HEALTH 86.9827 167.7488 120.65 164.7126 218.9839 EMPLOYEE HEALTH 86.9828 167.7488 120.65 164.7126 218.9839 EMPLOYEE HEALTH 87.1272 167.9702 120.8713 165.0933 219.3646 EMPLOYEE HEALTH 89.7827 173.0866 124.0695 169.983 226.4643 EMPLOYEE HEALTH 0 0 0 0 0 0.13 0.13 0.13 0.13 0.133 0.135 0.135 0.135 0.135 0.135 0.185 0.185 0.185 0.185 0.185 0.135 0.135 0.135 0.135 0.135 0.185 0.185 0.185 0.185 0.185 0.135 0.135 0.135 0.135 0.135 0.185 0.185 0.185 0.185 0.185 0.135 0.135 0.135 0.135 0.135 EMPLOYEE DENTAL 8.6 16.6 12.8 16.9 21.32 EMPLOYEE DENTAL 6.3423 12.663 19.5237 19.5237 28.8252 EMPLOYEE DENTAL 8.6913 17.353 26.7547 26.7547 39.5012 EMPLOYEE DENTAL 6.3423 12.663 19.5237 19.5237 28.8252 EMPLOYEE DENTAL 8.6913 17.353 26.7547 26.7547 39.5012 EMPLOYEE DENTAL 5.2043 10.3828 16.0124 16.0124 23.6448 EMPLOYEE DENTAL 8.164 16.3003 25.1674 25.271 37.2461 EMPLOYEE DENTAL 5.2043 10.3828 16.0124 16.0124 23.6448 EMPLOYEE DENTAL 0 0 0 0 0 EMPLOYEE TOTAL 86 166 128 169 231.68 291676.32 EMPLOYEE TOTAL 96.1249 185.7497 143.5932 189.5067 255.2895 322746.1956 0.106521762205447 EMPLOYEE TOTAL 98.474 190.4397 150.8242 196.7377 265.9655 335080.9356 0.14881089969868 EMPLOYEE TOTAL 93.4695 180.6332 140.395 184.617 248.1898 313838.0262 0.075980477948981 EMPLOYEE TOTAL 95.674 185.1018 147.4047 191.4673 258.4851 325697.523 0.116640264111944 EMPLOYEE TOTAL 92.187 178.1316 136.6623 180.725 242.6288 307376.444 5.38272149758334E-02 EMPLOYEE TOTAL 95.2913 184.2705 146.0387 190.3643 256.6107 323547.15 0.109267800690848 EMPLOYEE TOTAL 94.9869 183.4695 140.0819 185.9954 250.1091 316759.8566 8.59978505625689E-02 EMPLOYEE TOTAL 0 0 0 0 0 0 -1 TOTAL 765.2 1253.78 816.82 1229.38 1772.44 2238522.48 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 6.79868446083238E-02 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 6.79868446083238E-02 TOTAL 700.7406 1354.1671 1051.5804 1383.4006 1859.5267 2351688.5764 5.05539244694115E-02 TOTAL 703.0007 1358.9549 1054.5575 1386.8763 1865.0888 2358889.2923 5.37706515750511E-02 TOTAL 694.5707 1342.0649 1028.5475 1360.8663 1826.7158 2314546.0403 3.39614906681658E-02 TOTAL 705.1479 1362.4684 1053.0685 1389.1323 1865.609 2360863.5186 5.46525843110586E-02 TOTAL 705.9078 1363.4695 1040.8232 1382.0999 1858.4645 2353787.6094 5.14916113103319E-02 TOTAL 629.4967 1239.8733 962.4833 1249.7133 1698.2633 2145460.76 -4.15728324515197E-02 Employee Increase 10.1249 19.7497 15.5932 20.5067 23.6095 Family> Employee Increase 12.474 24.4397 22.8242 27.7377 34.2855 Family> Employee Increase 7.4695 14.6332 12.395 15.617 16.5098 Family> Employee Increase 9.674 19.1018 19.4047 22.4673 26.8051 Family> Employee Increase 6.187 12.1316 8.6623 11.725 10.9488 Family> Employee Increase 9.2913 18.2705 18.0387 21.3643 24.9307 Employee Increase 8.9869 17.4695 12.0819 16.9954 18.4291 Employee Increase -86 -166 -128 -169 -231.68 2500 Ded 90/10 --2500 Dental Annual Limit Blue Cross Health 482.7 920.82 586.36 900.04 1285.61 RENEWAL--Normal Sharing Blue Cross Health 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 Surcharge for BC PPO Dental Blue Cross Health 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 Normal Sharing Blue Cross Health 503.72 960.89 612.01 939.58 1341.59 4.35435318642512E-02 Surcharge for BC PPO Dental Blue Cross Health 502.65 959.25 610.37 936.76 1338.77 0.041350020612783 Dental Blue Connect Blue Cross Health 502.65 959.25 610.37 936.76 1338.77 0.041350020612783 Dental 1500/1500 Max/Ortho Blue Cross Health 503.72 960.89 612.01 939.58 1341.59 4.35435318642512E-02 Dental Blue Connect Blue Cross Health 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 Pacific Source Health 440.85 862.74 534.53 821.76 1201.41 -6.54942011963191E-02 BC PPO Dental 35.48 70.84 109.22 109.22 161.26 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 Blue Connect Dental 38.55 76.91 118.61 118.61 175.147 8.61155897308694E-02 BC PPO Dental 44.13 88.11 136.04 136.6 201.33 0.248480714374302 Blue Connect Dental 38.55 76.91 118.61 118.61 175.147 8.61155897308694E-02 Healthy Choice Dental 46.98 93.8 144.62 144.62 213.52 0.324072925710034 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 NET BEGINNING BALANCE OF SAVINGS EXCESS HRA PAYMENTS-TERMINATED EMP ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 10/12/2015 TOTAL 659.8467 1274.9933 978.9133 1292.5933 1730.2033 2194068.44 44454.04 60000 -7864 96590.04 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 0 96590.04 96590.04 TOTAL 712.0367 1375.9233 1063.6533 1403.7533 1891.0333 2390712.56 0 96590.04 96590.04 TOTAL 692.3667 1338.0233 1039.9633 1367.5333 1838.4433 2324726.12 26962.4564 96590.04 123552.4964 TOTAL 691.2967 1336.3833 1038.3233 1364.7133 1835.6233 2321205.8 37683.4923 96590.04 134273.5323 TOTAL 682.8667 1319.4933 1012.3133 1338.7033 1797.2503 2276862.548 37683.4923 96590.04 134273.5323 TOTAL 689.5167 1332.3333 1031.3833 1359.5133 1826.2533 2310533.6 50329.9186 96590.04 146919.9586 TOTAL 703.6067 1359.0333 1037.6433 1377.7433 1852.6603 2346369.308 7418.3014 96590.04 104008.3414 TOTAL 629.4967 1239.8733 962.4833 1249.7133 1698.2633 2145460.76 0 96590.04 96590.04 0.130333309758833 0.130196759198741 0.130757234212085 0.130744910747902 0.133903336987368 THIS IS AN ESTIMATED AMOUNT.MKN 0.135 0.135 0.135 0.135 0.135 0.138298987411697 0.138408620150832 0.141798267605987 0.140151189905159 0.140645590594208 0.135 0.135 0.135 0.135 0.135 0.138397962283438 0.138509472082611 0.14196411201392 0.140298548657349 0.140816008004547 0.135 0.135 0.135 0.135 0.135 0.138200067680259 0.138306604953715 0.141595026097636 0.140023856576128 0.140512104928853 0.135 0.135 0.135 0.135 0.135 0 0 0 0 0 0.124 OF COST 85.7801 165.7491 127.2587 168.0371 224.9264 0.13 OF COST 92.5648 178.87 138.2749 182.4879 245.8343 0.124 OF COST 92.5648 178.87 138.2749 182.4879 245.8343 0.124 OF COST 90.0077 173.943 135.1952 177.7793 238.9976 0.124 OF COST 89.8686 173.7298 134.982 177.4127 238.631 0.124 OF COST 88.7727 171.5341 131.6007 174.0314 233.6425 0.124 OF COST 89.6372 173.2033 134.0798 176.7367 237.4129 0.124 OF COST 91.4689 176.6743 134.8936 179.1066 240.8458 0.124 OF COST 81.8346 161.1835 125.1228 162.4627 220.7742 CHANGE -0.2199 -0.2509 -0.7413 -0.9629 -6.7536 CHANGE -3.5602 -6.8796 -5.3183 -7.0188 -9.4552 CHANGE -5.9092 -11.5696 -12.5493 -14.2498 -20.1312 CHANGE -3.4618 -6.6901 -5.1998 -6.8377 -9.1922 CHANGE -5.8055 -11.3719 -12.4226 -14.0546 -19.8541 CHANGE -3.4143 -6.5975 -5.0616 -6.6935 -8.9863 CHANGE -5.6541 -11.0672 -11.9589 -13.6276 -19.1978 CHANGE -3.518 -6.7952 -5.1882 -6.8887 -9.2633 CHANGE 81.8346 161.1835 125.1228 162.4627 220.7742 MEDICAL 462.97 891.83 557.37 852.1 1237.67 MEDICAL 502.59 968.16 605.07 925.04 1343.42 MEDICAL 502.59 968.16 605.07 925.04 1343.42 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 502.59 968.16 605.07 925.04 1343.42 MEDICAL 429.32 840.84 519.92 802.72 1172.67 VISION 17.12 26.38 26.38 45.33 45.33 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 17.12 26.38 26.38 45.33 45.33 VISION 17.12 26.38 26.38 45.33 45.33 VISION 18.19 28.02 28.02 48.15 48.15 VISION 18.19 28.02 28.02 48.15 48.15 VISION 9.03 19.4 12.11 16.54 26.24 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE AGENT 0 0 0 0 0 AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT 0 0 0 0 0 Family Increase AGENT Family Increase Single Percent Total Fee AGENT 0 0 0 0 0 Family Increase Single Percent Total Fee AGENT Family Increase Single Percent Total Fee TOTAL 482.7 920.82 586.36 900.04 1285.61 TOTAL 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 TOTAL 523.39 998.79 635.7 975.8 1394.18 8.44501831815248E-02 TOTAL 503.72 960.89 612.01 939.58 1341.59 6.25591211822889E-02 TOTAL 502.65 959.25 610.37 936.76 1338.77 6.09292549430605E-02 TOTAL 502.65 959.25 610.37 936.76 1338.77 3.87509367877763E-02 TOTAL 503.72 960.89 612.01 939.58 1341.59 5.55137064815119E-02 0.05 0 TOTAL 523.39 998.79 635.7 975.8 1394.18 0.070776074488355 0.05 0 TOTAL 440.85 862.74 534.53 821.76 1201.41 -1.84602580428889E-02 0.05 0 1.0843 1.0847 1.0841 1.0842 1.0845 1.0843 1.0847 1.0841 1.0842 1.0845 1.0435 1.0435 1.0437 1.0439 1.0435 1.0413 1.0417 1.0409 1.0408 1.0414 1.0413 1.0417 1.0409 1.0408 1.0414 1.0435 1.0435 1.0437 1.0439 1.0435 1.0843 1.0847 1.0841 1.0842 1.0845 0.9133 0.9369 0.9116 0.913 0.9345 DENTAL 35.48 70.84 109.22 109.22 161.26 DENTAL 46.98 93.8 144.62 144.62 213.52 0.324072925710034 DENTAL 46.98 93.8 144.62 144.62 213.52 DENTAL 46.98 93.8 144.62 144.62 213.52 DENTAL 46.98 93.8 144.62 144.62 213.52 DENTAL 38.55 76.91 118.61 118.61 175.147 DENTAL 44.13 88.11 136.04 136.6 201.33 DENTAL 38.55 76.91 118.61 118.61 175.147 DENTAL 46.98 93.8 144.62 144.62 213.52 1.32412626832018 1.32411067193676 1.32411646218641 1.32411646218641 1.32407292571003 TOTAL HEALTH/ DENTAL 518.18 991.66 695.58 1009.26 1446.87 TOTAL HEALTH/ DENTAL 570.37 1092.59 780.32 1120.42 1607.7 570.37 1092.59 780.32 1120.42 1607.7 550.7 1054.69 756.63 1084.2 1555.11 549.63 1053.05 754.99 1081.38 1552.29 541.2 1036.16 728.98 1055.37 1513.917 547.85 1049 748.05 1076.18 1542.92 561.94 1075.7 754.31 1094.41 1569.327 487.83 956.54 679.15 966.38 1414.93 x x x x x CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2017 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL City Share Total Increase for Health/Dental Option #2 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Suggested Savings on Reducing Benefits or Costs Beginning Premium Increases from Provider Combination of lower utilization in the last quarter/negotiation by our Agent w/Blue Cross/Staff supplying list of terminated employee ER Copay to $500 from $100 (#16) Increase Prescription copay on non-gen or deductible Co-Insurance to 70% In Network/50% Out of Network (#6) Increase office visit copayments to $40 from $30 (#8) Negotiated Agent Savings going to PEPM on Dental Increase deductible from $2,500 to $3,000 (#1) Reduce Dental from $2,500 to $1,500 Drop Nurse Line and add Teledoc-see to right Final Increase for Health and Dental from Provider City Share Total Increase for Health/Dental/HRA Less Suggested Amount to Use from Savings Less HRA Contribution Reduction of New City Total Increase Already in Budget Option #3 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #4 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL start here-above complete Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 13 28 2 5 84 132 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 13 28 2 5 84 132 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 13 28 2 5 84 132 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 13 28 2 5 84 132 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay Count 13 28 2 5 84 132 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 13 56 4 10 168 251 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 13 56 4 10 168 251 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 13 56 4 10 168 251 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 13 56 4 10 168 251 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 13 56 4 10 168 251 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE City HEALTH 0 569.98 1098.86 790.74 1080.04 1435.08 2500 -1700 800 City HEALTH 0 707.8699 1363.1391 955.7327 1335.9435 1805.3876 2500 -1700 800 City HEALTH 0 647.4373 1244.8614 881.4293 1219.8666 1638.6534 2500 -1700 800 0 City HEALTH 0 647.440966666667 1244.85898333333 881.429233333333 1219.86913333333 1638.65023333333 2500 -1700 800 City HEALTH 0 647.441 1244.859 881.4292 1219.8691 1638.6502 2500 -1700 800 CITY DENTAL 38.3 76.46 117.88 117.88 174.02 CITY DENTAL 39.0956 78.0525 120.3347 120.3347 177.67 507437.3218 CITY DENTAL 35.0769 70.0425 107.9784 107.9784 159.4215 Health 0.3474 0.11201 0.0041 0.027 0.20429 258701.8908 40000 0 218701.8908 CITY DENTAL 35.0776 70.0411 107.97935 107.97935 159.42215 CITY DENTAL 32.3942 64.6847 99.6999 99.6999 147.2489 CITY TOTAL 608.28 1175.32 908.62 1197.92 1609.1 2205454.08 CITY TOTAL 746.9654 1441.1916 1076.0675 1456.2782 1983.0576 2712891.4018 0.230082923240914 0.230082923240914 CITY TOTAL 682.5142 1314.904 989.4077 1327.845 1798.0749 2464155.9708 0.117300964547091 Dental 2.09816410640689E-02 0.03634 6.85248325028016E-02 0 -8.38831914387327E-02 0.117300964547091 9.91641099361806E-02 CITY TOTAL 682.518566666667 1314.90008333333 989.408583333333 1327.84848333333 1798.07238333333 2464153.0018 0.117299618317149 CITY TOTAL 679.8352 1309.5437 981.1291 1319.569 1785.8992 2448968.5894 0.110414681315877 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 Notes ER copay goes to out of pocket, not deductible Not Recommended-Added Deductible and Increased Cost in Prior Year 2016 More Savings at 50/30, but too severe of a reduction in benefit at that level Would impact almost all, where ER Copay impacts only those that use it or abuse it and it has a greater savings Current Dental at 10% Changes in Deductible and Co-Insurance will affect the least amount of individuals Consider Next Year-Already reducing dental cost in 2017 No Doctor copay required Would require a budget adjustment from fund balance carryover and motion from City Council City Budgeted 10% in Fiscal Year 2017 Budget. Our Agent recommends we budget 15% in Fiscal Year 2018 based on our experience and trend. 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 EMPLOYEE HEALTH 87.14 167.98 120.88 165.1 219.36 EMPLOYEE HEALTH 110.4768 212.7442 149.1606 208.4998 281.7657 EMPLOYEE HEALTH 101.0451 194.2847 137.5641 190.3838 255.7436 EMPLOYEE HEALTH 101.0457 194.2843 137.5641 190.3842 255.7431 EMPLOYEE HEALTH 101.0457 194.2843 137.5641 190.3842 255.7431 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 25164 0.185 0.185 0.185 0.185 0.185 0.135 0.135 0.135 0.135 0.135 EMPLOYEE DENTAL 8.7 17.36 26.76 26.76 39.5 EMPLOYEE DENTAL 8.8744 17.7174 27.3153 27.3153 40.33 Employee Total Increase EMPLOYEE DENTAL 7.9622 15.8992 24.5104 24.5104 36.1877 Health PEPM New PEPM .23% cost increase to city and .24% increase to employee Employee Total Increase EMPLOYEE DENTAL 7.9624 15.8989 24.5107 24.5107 36.1879 EMPLOYEE DENTAL 5.0558 10.0953 15.5601 15.5601 22.981 EMPLOYEE TOTAL 95.84 185.34 147.64 191.86 258.86 353211.12 EMPLOYEE TOTAL 119.3513 230.4617 176.4758 235.8151 322.0957 439110.7182 0.243196188727014 85899.5982 EMPLOYEE TOTAL 109.0074 210.184 162.0745 214.8942 291.9313 398677.1594 0.128721993137517 15 if admitted on an in-patient, the $500 is waived. 5 45466.0394 EMPLOYEE TOTAL 109.0081 210.1832 162.0747 214.8949 291.931 398676.7182 0.128720744126063 EMPLOYEE TOTAL 106.1015 204.3796 153.1242 205.9443 278.7242 382208.9706 8.20977850300977E-02 TOTAL 704.12 1360.66 1056.26 1389.78 1867.96 2558665.2 TOTAL 866.3167 1671.6533 1252.5433 1692.0933 2305.1533 3152002.12 0.231893144910088 TOTAL 791.5216 1525.0879 1151.4823 1542.7392 2090.0063 2862833.1302 0.118877581253324 23760 7920 TOTAL 791.5267 1525.0833 1151.4833 1542.7433 2090.0033 2862829.72 0.118876248443915 TOTAL 785.9367 1513.9233 1134.2533 1525.5133 2064.6233 2831177.56 0.106505673348744 Employee Increase 23.5113 45.1217 28.8358 43.9551 63.2357 Family> Employee Increase 13.1674 24.844 14.4345 23.0342 33.0713 Family> Savings Percent that hit Deductible Employee Increase 13.1681 24.8433 14.4348 23.0349 33.071 Family> Employee Increase 13.7615 26.0196 16.2342 24.8343 35.7242 Family> Blue Cross Health 502.65 959.25 610.37 936.76 1338.77 1821056.04 Blue Cross Health 676.68 1292.55 821.56 1261.11 1803.82 2453493.48 0.347371094362736 Total Employer/Employee Increase Blue Cross Health 606.8157 1155.8128 735.6601 1126.917 1611.0637 2192239.3945 0.203390919052563 17244 Total Employer/Employee Increase Blue Cross Health 606.82 1155.81 735.66 1126.92 1611.06 2192235.6 0.20338818467698 Blue Cross Health 606.82 1155.81 735.66 1126.92 1611.06 2192235.6 0.20338818467698 BC PPO Dental 46.98 93.8 144.62 144.62 213.52 266221.92 BC PPO Dental 47.97 95.77 147.65 147.65 218 271808.64 2.09816410640689E-02 593336.92 BC PPO Dental 43.0392 85.9418 132.4888 132.4888 195.6093 243893.7357 -8.38831914387327E-02 see row 52 notes 2014 0.11 Provide better education of this option 304167.9302 BC PPO Dental 43.04 85.94 132.49 132.49 195.61 243894.12 -8.38797302360434E-02 Blue Connect 37.45 74.78 115.26 115.26 170.23 212241.96 -2.80347150850748E-02 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 426700 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 426700 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 426700 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 2015 0.15 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 426700 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 426700 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 9/8/2016 2500 Ded 90/10-BC PPO Dental w/Surcharge w/2500 Annual Limit TOTAL 691.2967 1336.3833 1038.3233 1364.7133 1835.6233 2513977.96 44687.24 270500 315187.24 RENEWAL--Normal Sharing Increase of 34.74% health/2.10% dental/0% HRA TOTAL 866.3167 1671.6533 1252.5433 1692.0933 2305.1533 3152002.12 0 315187.24 315187.24 Reduce Benefits TOTAL 791.5216 1525.0879 1151.4823 1542.7392 2090.0063 2862833.1302 0 315187.24 275187.24 2016 0.11 Increase Member Co-Insurance to 30% In-Network & 50% Out-of-Network/Increase ER copay to $500/Surcharge for BC PPO Dental TOTAL 791.5267 1525.0833 1151.4833 1542.7433 2090.0033 2862829.72 0 315187.24 275187.24 Increase Member Co-Insurance to 30% In-Network & 50% Out-of-Network/Increase ER copay to $500/Dental Blue Connect TOTAL 785.9367 1513.9233 1134.2533 1525.5133 2064.6233 2831177.56 0 315187.24 275187.24 0.138638018409848 0.138687751767831 0.142190775513087 0.14058630139663 0.141020216565853 calculated by matt and pamela 0.137768618095769 0.13786452932825 0.140894007659083 0.139362939002577 0.13972853577347 0.137718761546092 0.137817600098331 0.140752968010084 0.139293947228063 0.139679633386175 0.139052582053749 0.137718796587186 0.1378175509535 0.140753014228025 0.139293974154266 0.139679657608202 0.135 0.135 0.135 0.135 0.135 0.124 OF COST 89.8686 173.7298 134.982 177.4127 238.631 0.13 OF COST 112.6212 217.3149 162.8306 219.9721 299.6699 0.124 OF COST 102.8978 198.2614 149.6927 200.5561 271.7008 0.124 OF COST 102.8985 198.2608 149.6928 200.5566 271.7004 0.124 OF COST 102.1718 196.81 147.4529 198.3167 268.401 CHANGE -5.9714 -11.6102 -12.658 -14.4473 -20.229 CHANGE -6.7301 -13.1468 -13.6452 -15.843 -22.4258 CHANGE -6.1096 -11.9225 -12.3819 -14.3381 -20.2305 CHANGE -6.1096 -11.9224 -12.3819 -14.3382 -20.2305 CHANGE -3.9297 -7.5696 -5.6713 -7.6276 -10.3231 MEDICAL 482.92 930.26 581.38 888.82 1290.83 MEDICAL 651.94 1255.85 784.86 1199.91 1742.62 MEDICAL 581.5757 1120.3028 700.1501 1070.387 1554.5337 AVG MEDICAL 581.58 1120.3 700.15 1070.39 1554.53 MEDICAL 581.58 1120.3 700.15 1070.39 1554.53 VISION 17.12 26.38 26.38 45.33 45.33 VISION 22.13 34.09 34.09 58.59 58.59 VISION 18.99 29.26 29.26 50.28 50.28 VISION 18.99 29.26 29.26 50.28 50.28 VISION 18.99 29.26 29.26 50.28 50.28 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 EAP 2.5 2.5 2.5 2.5 2.5 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0.11 0.11 0.11 0.11 0.11 NURSE LINE 0 0 0 0 0 Single Couple Emp/Child Emp/Children Family Average NURSE LINE 0 0 0 0 0 NURSE LINE AGENT 0 0 0 0 0 AGENT 0 0 0 0 0 Family Increase Teledoc 3.75 3.75 3.75 3.75 3.75 Family Increase Increase Increase Increase Increase Increase Increase TELEDOC 3.75 3.75 3.75 3.75 3.75 Family Increase AGENT 3.75 3.75 3.75 3.75 3.75 Family Increase TOTAL 502.65 959.25 610.37 936.76 1338.77 TOTAL 676.68 1292.55 821.56 1261.11 1803.82 0.347371094362736 TOTAL 606.8157 1155.8128 735.6601 1126.917 1611.0637 0.203390919052563 0.207233118074207 0.204913021005994 0.205269132165736 0.202994403902814 0.203390919052563 0.204760118840263 TOTAL 606.82 1155.81 735.66 1126.92 1611.06 0.20338818467698 TOTAL 606.82 1155.81 735.66 1126.92 1611.06 0.12475326274272 1.34622500746046 1.34745895230649 1.34600324393401 1.34624663734574 1.34737109436274 1.20723311807421 1.20491302100599 1.20526913216574 1.20299440390281 1.20339091905256 1.20724161941709 1.20491008600469 1.205268935236 1.20299756607882 1.20338818467698 1.20724161941709 1.20491008600469 1.205268935236 1.20299756607882 1.20338818467698 DENTAL 46.98 93.8 144.62 144.62 213.52 DENTAL 47.97 95.77 147.65 147.65 218 2.09816410640689E-02 DENTAL 43.0392 85.9418 132.4888 132.4888 195.6093 DENTAL 43.04 85.94 132.49 132.49 195.61 DENTAL 37.45 74.78 115.26 115.26 170.23 1.02107279693487 1.02100213219616 1.02095145899599 1.02095145899599 1.02098164106407 0.916116808561267 0.91622341836937 0.916116808561267 0.916116808561267 0.916116808561267 Prior Year Rates Must fill in 5.2 10.38 16.01 16.01 23.64 TOTAL HEALTH/ DENTAL 549.63 1053.05 754.99 1081.38 1552.29 TOTAL HEALTH/ DENTAL 724.65 1388.32 969.21 1408.76 2021.82 649.8649 1241.7546 868.1489 1259.4059 1806.6729 649.86 1241.75 868.15 1259.41 1806.67 644.27 1230.59 850.92 1242.18 1781.29 CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2018 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL City Share Total Increase for Health/Dental Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay PPO Count 16 22 2 5 88 133 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay PPO Count 16 22 2 5 88 133 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 16 44 4 10 176 250 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 44 4 10 176 250 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE City HEALTH 0 647.44 1244.86 881.44 1219.88 1638.66 2500 -1700 800 City HEALTH 0 647.44 1244.86 881.44 1219.88 1638.66 2500 -1700 800 CITY DENTAL 35.08 70.04 107.98 107.98 159.42 CITY DENTAL 35.08 70.04 107.98 107.98 159.42 0 CITY TOTAL 682.52 1314.9 989.42 1327.86 1798.08 2480367.6 CITY TOTAL 682.52 1314.9 989.42 1327.86 1798.08 2480367.6 0 0 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 EMPLOYEE HEALTH 101.06 194.28 137.56 190.38 255.74 EMPLOYEE HEALTH 101.06 194.28 137.56 190.38 255.74 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 EMPLOYEE DENTAL 7.96 15.9 24.52 24.52 36.2 EMPLOYEE DENTAL 7.96 15.9 24.52 24.52 36.2 Employee Total Increase EMPLOYEE TOTAL 109.02 210.18 162.08 214.9 291.94 401491.92 EMPLOYEE TOTAL 109.02 210.18 162.08 214.9 291.94 401491.92 0 0 TOTAL 791.54 1525.08 1151.5 1542.76 2090.02 2881859.52 TOTAL 791.54 1525.08 1151.5 1542.76 2090.02 2881859.52 0 Employee Increase 0 0 0 0 0 Family> Blue Cross Health 606.8157 1155.8128 735.6601 1126.917 1611.0637 2208197.2936632 Blue Cross Health 573.98 1085.52 694.32 1059.4 1510.18 2071759.2 -6.26192888344129E-02 Total Employer/Employee Increase BC PPO Dental 43.0392 85.9418 132.4888 132.4888 195.6093 248644.583803409 BC PPO Dental 43.47 86.79 133.81 133.81 197.55 251111.64 9.92150896350119E-03 0 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 425000 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 425000 0 NET LESS WELLNESS APEX PROGRAMMING BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 9/8/2016 2500 Ded 70/10-BC PPO Dental w/Surcharge w/2500 Annual Limit TOTAL 791.5216 1525.0879 1151.4823 1542.7392 2090.0063 2881841.8775 17.6425 284000 284017.6425 RENEWAL--No Plan Changes TOTAL 759.1167 1455.6433 1111.4633 1476.5433 1991.0633 2747870.84 133988.68 -7094 284017.6425 410912.3225 0.137734719246263 0.137815006767186 0.140757703988349 0.139297687017034 0.139683792477632 calculated by matt and pamela multiple ways. 0.143614288537115 0.144389765808016 0.145825773229886 0.145542629971352 0.146625170135221 0.124 OF COST 102.8978 198.2614 149.6927 200.5561 271.7008 0.13 OF COST 98.6852 189.2336 144.4902 191.9506 258.8382 CHANGE -6.1222 -11.9186 -12.3873 -14.3439 -20.2392 CHANGE -10.3348 -20.9464 -17.5898 -22.9494 -33.1018 MEDICAL 581.5757 1120.3028 700.1501 1070.387 1554.5337 2130036.8536632 MEDICAL 541.51 1043.11 651.91 996.64 1447.42 1983270.72 -146766.1336632 VISION 18.99 29.26 29.26 50.28 50.28 68185.44 VISION 18.39 28.33 28.33 48.68 48.68 66016.8 -2168.64000000001 EAP 2.5 2.5 2.5 2.5 2.5 3990 EAP 2.33 2.33 2.33 2.33 2.33 3718.68 -271.32 NURSE LINE 0 0 0 0 0 0 Wellness Program/HRA Admin 8 8 8 8 8 12768 12768 TELEDOC 3.75 3.75 3.75 3.75 3.75 5985 TELEDOC 3.75 3.75 3.75 3.75 3.75 5985 0 TOTAL 606.8157 1155.8128 735.6601 1126.917 1611.0637 2208197.2936632 TOTAL 573.98 1085.52 694.32 1059.4 1510.18 -6.26192888344129E-02 0.945888470997354 0.939183218542465 0.94380540814315 0.940086949140632 0.937380711165587 fam incr DENTAL 43.0392 85.9418 132.4888 132.4888 195.6093 243871.708652116 DENTAL 43.47 86.79 133.81 133.81 197.55 246290.88 2419.17134788432 1.01001023851421 1.00986997927534 1.00997206569678 1.00997206569678 1.0099215089635 TOTAL HEALTH/ DENTAL 649.8549 1241.7546 868.1489 1259.4059 1806.6729 TOTAL HEALTH/ DENTAL 617.45 1172.31 828.13 1193.21 1707.73 -134018.922315316 SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY 1 1 1 1 4 5 3 8 2 6 2 6 2 6 4 4 2 6 1 1 6 1 2 1 4 3 5 1 1 5 ok w/7 3 5 4 4 1 7 2 2 1 3 1 1 15 25 2 4 83 129 CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2019 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL City Share Total Increase for Health/Dental Health Costs Employer Share Employee Share Projected Increase 2020 Actual Health Cost 2019 Increase In Budget Difference General Funds Other Funds Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay PPO Count 16 29 2 5 88 140 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay PPO Count 16 29 2 5 88 140 2382292.08 371798.64 0.05 0.48 0.52 Dental Count 11 33 1 5 86 136 Dental Count 11 33 1 5 86 136 0.12 2092742.675 251129.121 119114.604 132014.517 63366.9682 68647.5488 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 16 58 4 10 176 264 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 58 4 10 176 264 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE City HEALTH 0 647.44 1244.86 881.44 1219.88 1638.66 2500 -1700 800 City HEALTH 0 647.44 1244.86 881.44 1219.88 1638.66 2382292.08 2500 -1700 800 CITY DENTAL 35.08 70.04 107.98 107.98 159.42 CITY DENTAL 35.08 70.04 107.98 107.98 159.42 208527.12 0 CITY TOTAL 682.52 1314.9 989.42 1327.86 1798.08 2590819.2 CITY TOTAL 682.52 1314.9 989.42 1327.86 1798.08 2590819.2 0 0 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 0.135 EMPLOYEE HEALTH 101.06 194.28 137.56 190.38 255.74 EMPLOYEE HEALTH 101.06 194.28 137.56 190.38 255.74 371798.64 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 0.185 EMPLOYEE DENTAL 7.96 15.9 24.52 24.52 36.2 EMPLOYEE DENTAL 7.96 15.9 24.52 24.52 36.2 47348.4 Employee Total Increase EMPLOYEE TOTAL 109.02 210.18 162.08 214.9 291.94 419147.04 EMPLOYEE TOTAL 109.02 210.18 162.08 214.9 291.94 419147.04 0 0 TOTAL 791.54 1525.08 1151.5 1542.76 2090.02 3009966.24 TOTAL 791.54 1525.08 1151.5 1542.76 2090.02 3009966.24 0 Employee Increase 0 0 0 0 0 Family> Blue Cross Health 570.48 1082.02 690.82 1055.9 1506.68 2157062.88 Blue Cross Health 555.5797 1050.4397 671.8897 1024.8797 1461.0797 2092742.675 -0.030265394709336 Total Employer/Employee Increase BC PPO Dental 43.47 86.79 133.81 133.81 197.55 258402 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 277003.2 7.19817767653759E-02 0 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 448800 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 448800 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 9/8/2016 2500 Ded 70/10-BC PPO Dental w/Surcharge w/2500 Annual Limit TOTAL 755.6167 1452.1433 1107.9633 1473.0433 1987.5633 2864264.88 145701.36 410912 556613.36 RENEWAL--No Plan Changes TOTAL 743.8464 1426.8131 1098.6631 1451.6531 1956.1831 2818545.875 191420.365 556613.36 748033.725 0.144279506804597 0.144737778410304 0.146286429454645 0.145888444105514 0.146883369754255 still need to project?? 0.146562515784401 0.147307313515764 0.147524755001749 0.148038126101317 0.149239610909171 0.124 OF COST 98.2302 188.7786 144.0352 191.4956 258.3832 0.13 OF COST 96.7 185.4857 142.8262 188.7149 254.3038 CHANGE -10.7898 -21.4014 -18.0448 -23.4044 -33.5568 CHANGE -12.32 -24.6943 -19.2538 -26.1851 -37.6362 MEDICAL 541.51 1043.11 651.91 996.64 1447.42 2070891.96 MEDICAL 524 1009.38 630.83 964.41 1400.61 2003920.92 -66971.0400000003 VISION 18.39 28.33 28.33 48.68 48.68 68396.52 VISION 17.54 27.02 27.02 46.43 46.43 65235 -3161.52 EAP 2.33 2.33 2.33 2.33 2.33 3914.4 My Group EAP 5.7897 5.7897 5.7897 5.7897 5.7897 9726.75496688742 5812.35496688742 My Group EAP Number of Employees General 93 Wellness 4.5 4.5 4.5 4.5 4.5 7560 Wellness 4.5 4.5 4.5 4.5 4.5 7560 0 Fire 20 TELEDOC 3.75 3.75 3.75 3.75 3.75 6300 TELEDOC 3.75 3.75 3.75 3.75 3.75 6300 0 Police 38 Total TOTAL 570.48 1082.02 690.82 1055.9 1506.68 2157062.88 TOTAL 555.5797 1050.4397 671.8897 1024.8797 1461.0797 -0.030265394709336 Current Rate 4 Visits 2.33 351.83 0.973881179181282 0.970813603352376 0.972597398887319 0.970621967136412 0.969734605290664 fam incr Proposed Rate 6 visits 2.11 196.23 DENTAL 43.47 86.79 133.81 133.81 197.55 253612.8 DENTAL 46.6 93.04 143.44 143.44 211.77 271869.36 18256.56 Proposed Rate 20 visits w/ 1 mandatory 11.69 678.02 Total Difference Monthly Difference Annually Avg Cost/Employee/Month 1.07200368069933 1.07201290471252 1.07196771541738 1.07196771541738 1.07198177676538 Proposed Rate 20 visits 3.91 0 578.61 226.78 2721.36 TOTAL HEALTH/ DENTAL 613.95 1168.81 824.63 1189.71 1704.23 TOTAL HEALTH/ DENTAL 602.1797 1143.4797 815.3297 1168.3197 1672.8497 -46063.6450331128 Cost/Year 10491 5.78973509933775 Current EAP Cost 4221.96 2.33 Additional cost 6269.04 CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2020 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #1 Final COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Health Costs Employer Share Employee Share Projected Increase 2020 Actual Health Cost 2019 Increase In Budget Difference General Funds Other Funds Option #2 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #3 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #4 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #5 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #6 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #7 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #7 Final COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #8 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #9 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #10 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #11 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #12 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Self Funding Option #1S COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #2S COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay-No Changes PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $250 Deductible plus 10/30/50 copay-Renegotiated-No Changes PPO Count 15 33 2 3 83 136 2422013.328 395997.624 0.05 0.48 0.52 Blue Cross PPO--Drug $500 Deductible plus Prescription Drugs Total Out of Pocket to $2500/$5000 (M9) PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $250 Deductible plus Prescription Drugs Total Out of Pocket to $2500/$5000 Plus $10-$20/$30-$50/20%-30% Copay (M11) PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus Prescription Drugs Total Out of Pocket to $2500/$5000 Plus $40 Dr Copay (M13) PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus Prescription Drugs Total Out of Pocket to $2500/$5000 plus $10-$20/$30-$50/20%-30% Copay (M10) PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus Dr. Copay $40 (M8-Renegotiated (originally 4% reduction) PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus Dr. Copay $40 (M8-Renegotiated)-Staff Recommended w/Required Case Management/Coaching-If Employee or Spouse Fail to Engage will forfeit $850 to be dispersed July 1 PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus Dr. Copay $40 (M8-Final-Renegotiated)-Staff Recommended w/Required Case Management/Coaching-If Employee or Spouse Fail to Engage will forfeit $850 to be dispersed July 1 PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus Dr. Copay $40 plus $10-$20/$30-$50/$150-$250 Copay (M22) PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus Prescription Drugs Total Out of Pocket to $2500/$5000 plus $10-$20/$30-$50/$150-$250 Copay (M20) PPO Count 15 33 2 3 83 136 Blue Cross PPO--Drug $500 Deductible plus $10-$20/$30-$50/$150-$250 Copay (M21) PPO Count 15 33 2 3 83 136 Pacific Source PPO--Drug $250 Deductible plus 10/30/50 copay-No Changes PPO Count 15 33 2 3 83 136 Select Health--Drug $500 Deductible plus 10/25/45/100 copay plus $4000/$8000 Out of Pocket on Medical & Pharmacy Combined plus Dr. Copay $40-Smaller Network and Separate Out of Pocket with In and Out of Network (Emergencies Paid in Network). Urgent Care $50 Dr. ER $300 Deductible PPO Count 15 33 2 3 83 136 UUHP Self Funding Plan with No Changes (Option 9 with 12 months incurred and 24 months processed) Specific $150,000/Aggregate 125% PPO Count 15 33 2 3 83 136 Blue Cross Self Funding Plan with No Changes (12 months incurred and 15 months processed) Specific $125,000/Aggregate 125% PPO Count 15 33 2 3 83 136 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 0.12 2450966.9277 294116.0313 121100.6664 173015.3649 83047.3752 89967.9898 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 15 66 4 6 166 257 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 15 66 4 6 166 257 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE City HEALTH 0 647.44 1244.86 881.44 1219.88 1638.66 2306679.36 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY HEALTH 0.13 731.6072 1406.6918 996.0272 1378.4644 1851.6858 2606547.6768 299868.3168 2500 -1700 800 CITY HEALTH 0.05 679.812 1307.103 925.512 1280.874 1720.593 2422013.328 115333.968 2500 -1700 800 CITY DENTAL 35.08 70.04 107.98 107.98 159.42 199311.36 CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY DENTAL 0.12 39.2896 78.4448 120.9376 120.9376 178.5504 223228.7232 23917.3632 Employer CITY DENTAL 0.05 36.834 73.542 113.379 113.379 167.391 209276.928 9965.568 Employer CITY TOTAL 682.52 1314.9 989.42 1327.86 1798.08 2505990.72 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 Projected Discount 0.024 0.021 0.02 0.012 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 CITY TOTAL 770.8968 1485.1366 1116.9648 1499.402 2030.2362 2829776.4 323785.68 323785.68 CITY TOTAL 716.646 1380.645 1038.891 1394.253 1887.984 2631290.256 125299.536 125299.536 EMPLOYEE HEALTH 101.06 194.28 137.56 190.38 255.74 359997.84 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EC Recommendation M9 2 if out of pocket under 1.2%, otherwise 3 2-if 1.2% or higher 1 4 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.05 106.113 203.994 144.438 199.899 268.527 377997.732 17999.892 EMPLOYEE HEALTH 0.05 106.113 203.994 144.438 199.899 268.527 377997.732 17999.892 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.05 106.113 203.994 144.438 199.899 268.527 377997.732 17999.892 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE HEALTH 0.1 111.166 213.708 151.316 209.418 281.314 395997.624 35999.784 EMPLOYEE DENTAL 7.96 15.9 24.52 24.52 36.2 45255.6 EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee Budget Information- Plan Design is to be determined-These are examples of ways to save below 0.22 0.05 0.1 0.021 0.02 EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.05 8.358 16.695 25.746 25.746 38.01 47518.38 2262.78 Employee EMPLOYEE DENTAL 0.05 8.358 16.695 25.746 25.746 38.01 47518.38 2262.78 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.05 8.358 16.695 25.746 25.746 38.01 47518.38 2262.78 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE DENTAL 0.1 8.756 17.49 26.972 26.972 39.82 49781.16 4525.56 Employee EMPLOYEE TOTAL 109.02 210.18 162.08 214.9 291.94 405253.44 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 Total Health Increase Amount in Budget Amount from Employee Increase Additional monies to cover premiums and not going to savings anymore from not reducing deduction costs last 2 years Plan Redesign: Move to 6 Tier prescription-Keep same Total Out of Pocket Increase Total Out of Pocket on Prescription Brand Name Deductible to $500 Office Visit Copayments $40 (To Savings) Shortage EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 114.471 220.689 170.184 225.645 306.537 425516.112 20262.672 0.05 20262.672 EMPLOYEE TOTAL 114.471 220.689 170.184 225.645 306.537 425516.112 20262.672 0.05 20262.672 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 114.471 220.689 170.184 225.645 306.537 425516.112 20262.672 0.05 20262.672 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 EMPLOYEE TOTAL 119.922 231.198 178.288 236.39 321.134 445778.784 40525.344 9.99999999999999E-02 40525.344 TOTAL 791.54 1525.08 1151.5 1542.76 2090.02 2911244.16 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 426552.48 -125299.536 -40525.344 -185348.0723 0 -40716.9151 -38778.0144 0 -4115.4018378816 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 831.117 1601.334 1209.075 1619.898 2194.521 3056806.368 145562.208 4.99999999999998E-02 Family Increase-Year Family Savings from option 6 145562.208 TOTAL 831.117 1601.334 1209.075 1619.898 2194.521 3056806.368 145562.208 4.99999999999998E-02 Family Increase-Year Family Savings from option 6 145562.208 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 TOTAL 831.117 1601.334 1209.075 1619.898 2194.521 3056806.368 145562.208 4.99999999999998E-02 Family Increase-Year 145562.208 TOTAL 890.8188 1716.3346 1295.2528 1735.792 2351.3702 3275555.184 364311.024 0.125139288901141 Family Increase-Year 364311.024 TOTAL 836.568 1611.843 1217.179 1630.643 2209.118 3077069.04 165824.88 5.69601417422854E-02 Family Increase-Year 165824.88 Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total 0.434525834471485 Current-3 Tier-$10/$30/$50 w/Total Out of Pocket of $2,000 Ind/$4,000 Family. The 5th and 6th tier is specialty. Specialty preferred is 20% and specialty nonpreferred is 30%. So if someone is on a specialty drug that costs $1800 or more a month that can get costly quick, but if they take that drug regularly they will likely hit the total out of pocket anyways Need to determine the savings amount. Would move to $2500 Ind/$5000 Family consider $750 at 3% consider $50 at 2.3% Leave some extra in to cover additional costs (legal and trust formation fees,etc.) Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 5.451 10.509 8.104 10.745 14.597 175.164 175.164 Total Employee Increase 5.451 10.509 8.104 10.745 14.597 175.164 0 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 5.451 10.509 8.104 10.745 14.597 175.164 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Employee Increase 10.902 21.018 16.208 21.49 29.194 350.328 Total Blue Cross Health 555.5797 1050.4397 671.8897 1024.8797 1461.0797 2024234.92768212 Blue Cross Health 670.9697 1272.6097 810.7797 1237.1597 1769.3197 2450966.9277 0.210967267969837 Blue Cross Health 619.1297 1172.7597 748.3697 1141.7497 1630.7697 2259166.7277 0.116140136587729 Percent of the Increase Blue Cross Health 658.6097 1248.8097 795.9097 1214.4197 1736.2997 2405253.8877 0.18836754311789 Blue Cross Health 656.5497 1244.8497 793.4297 1210.6297 1730.7997 2397640.9677 0.184603203727045 Blue Cross Health 650.3797 1232.9497 785.9897 1199.2697 1714.2897 2374786.4877 0.173303341301072 Blue Cross Health 646.2597 1225.0197 781.0397 1191.6897 1703.2797 2359546.9677 0.165767818265944 Blue Cross Health 640.8897 1214.6697 774.5697 1181.7997 1688.9297 2339677.8477 0.155946314582557 Blue Cross Health 640.8897 1214.6697 774.5697 1181.7997 1688.9297 2339677.8477 0.155946314582557 Blue Cross Health 591.4897 1119.5097 715.0997 1090.8797 1556.8897 2156890.2477 6.55747921885221E-02 Blue Cross Health 646.3297 1225.1497 781.1197 1191.8197 1703.4697 2359806.8877 0.165897859081264 Blue Cross Health 646.3297 1225.1497 781.1197 1191.8197 1703.4697 2359806.8877 0.165897859081264 Blue Cross Health 654.5697 1241.0197 791.0297 1206.9697 1725.4897 2390289.7677 0.18096890515152 Blue Cross Health 709.0497 1345.9597 856.6297 1307.2397 1871.1097 2591874.0477 0.280634923714223 Blue Cross Health 591.4897 1119.5697 715.0697 1090.8797 1556.8797 2156903.3277 6.55679479350841E-02 Health 685.5197 1272.1297 1138.8997 1158.3097 1873.3397 2562036.0477 0.282161192230875 Blue Cross Health 1831.4997 1840.9797 1840.9797 1860.3897 1860.3897 3022803.6477 0.273297884028794 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 currently $250 Consider Higher Use of Teladoc BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 264761.16 0 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 436900 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 8/28/2019 2500 Ded 70/10-BC PPO Dental w/Surcharge w/2500 Annual Limit TOTAL 743.8464 1426.8131 1098.6631 1451.6531 1956.1831 2725896.0877 185348.0723 410912 596260.0723 RENEWAL--No Plan Changes TOTAL 859.2364 1648.9831 1237.5531 1663.9331 2264.4231 3152628.0877 -75559.0477 596260.0723 520701.0246 RENEWAL--No Plan Changes TOTAL 807.3964 1549.1331 1175.1431 1568.5231 2125.8731 2960827.8877 116241.1523 596260.0723 712501.2246 TOTAL 846.8764 1625.1831 1222.6831 1641.1931 2231.4031 3106915.0477 -29846.0077 596260.0723 566414.0646 TOTAL 844.8164 1621.2231 1220.2031 1637.4031 2225.9031 3099302.1277 -22233.0877 596260.0723 574026.9846 TOTAL 838.6464 1609.3231 1212.7631 1626.0431 2209.3931 3076447.6477 621.3923 596260.0723 596881.4646 TOTAL 834.5264 1601.3931 1207.8131 1618.4631 2198.3831 3061208.1277 15860.9123 596260.0723 612120.9846 TOTAL 829.1564 1591.0431 1201.3431 1608.5731 2184.0331 3041339.0077 35730.0323 596260.0723 631990.1046 TOTAL 829.1564 1591.0431 1201.3431 1608.5731 2184.0331 3041339.0077 15467.3603 596260.0723 611727.4326 TOTAL 779.7564 1495.8831 1141.8731 1517.6531 2051.9931 2858551.4077 198254.9603 596260.0723 794515.0326 TOTAL 834.5964 1601.5231 1207.8931 1618.5931 2198.5731 3061468.0477 15600.9923 596260.0723 611861.0646 TOTAL 834.5964 1601.5231 1207.8931 1618.5931 2198.5731 3061468.0477 15600.9923 596260.0723 611861.0646 TOTAL 842.8364 1617.3931 1217.8031 1633.7431 2220.5931 3091950.9277 -14881.8877 596260.0723 581378.1846 TOTAL 897.3164 1722.3331 1283.4031 1734.0131 2366.2131 3293535.2077 -216466.1677 596260.0723 379793.9046 TOTAL 779.7564 1495.9431 1141.8431 1517.6531 2051.9831 2858564.4877 198241.8803 596260.0723 794501.9526 RENEWAL--No Plan Changes TOTAL 873.7864 1648.5031 1565.6731 1585.0831 2368.4431 3263697.2077 11857.9763 596260.0723 608118.0486 RENEWAL--No Plan Changes TOTAL 2019.7664 2217.3531 2267.7531 2287.1631 2355.4931 3724464.8077 -647395.7677 596260.0723 -51135.6954 0.146562515784401 0.147307313515764 0.147524755001749 0.148038126101317 0.149239610909171 0.13956810925785 0.140206412319169 0.144064933090746 0.142067012480656 0.141817138535987 0.148529272285208 0.149243473469915 0.151715995089678 0.150708653737691 0.151059818560456 0.141605079265315 0.142259665689828 0.145817018819557 0.144035460877099 0.143915729319833 0.141950369037953 0.142607149196016 0.146113384413143 0.144368851236045 0.144271331736885 0.142994711176809 0.143661645405459 0.147009753710931 0.145377453149414 0.145349419525341 0.143700666325504 0.144373049039284 0.147612246182563 0.146058322003555 0.146077362317456 0.144631338242798 0.145312219755152 0.148407232442439 0.146956333311193 0.147037150966975 0.138057186504489 0.138707118857191 0.141661449149601 0.140276499978866 0.14035364410484 0.146803539850066 0.147530916458082 0.149039332570996 0.148680225206562 0.149385007540077 0.143688613737425 0.144361329884721 0.147602469671708 0.146046591085987 0.146064738357289 0.143688613737425 0.144361329884721 0.147602469671708 0.146046591085987 0.146064738357289 0.142283840314355 0.142944844090399 0.146401339117546 0.144692274181631 0.144616321002326 0.133645166592277 0.134235360301356 0.138918165606173 0.136325385490703 0.135716434113312 0.146803539850066 0.147524999217531 0.149043248327986 0.148680225206562 0.149385735543197 0.137244067609231 0.140247236676249 0.113873070690599 0.14913413984905 0.13558865073861 5.93741929240653E-02 0.104267562659032 7.86187890038758E-02 0.103355114142339 0.136334088307753 0.124 OF COST 96.7 185.4857 142.8262 188.7149 254.3038 0.13 OF COST 111.7007 214.3678 160.8819 216.3113 294.375 0.13 OF COST 104.9615 201.3873 152.7686 203.908 276.3635 0.13 OF COST 110.0939 211.2738 158.9488 213.3551 290.0824 0.13 OF COST 109.8261 210.759 158.6264 212.8624 289.3674 0.13 OF COST 109.024 209.212 157.6592 211.3856 287.2211 0.13 OF COST 108.4884 208.1811 157.0157 210.4002 285.7898 0.13 OF COST 107.7903 206.8356 156.1746 209.1145 283.9243 0.13 OF COST 107.7903 206.8356 156.1746 209.1145 283.9243 0.13 OF COST 101.3683 194.4648 148.4435 197.2949 266.7591 0.13 OF COST 108.4975 208.198 157.0261 210.4171 285.8145 0.13 OF COST 108.4975 208.198 157.0261 210.4171 285.8145 0.13 OF COST 109.5687 210.2611 158.3144 212.3866 288.6771 0.13 OF COST 116.6511 223.9033 166.8424 225.4217 307.6077 0.13 OF COST 101.3683 194.4726 148.4396 197.2949 266.7578 0.13 OF COST 113.5922 214.3054 203.5375 206.0608 307.8976 0.13 OF COST 262.5696 288.2559 294.8079 297.3312 306.2141 CHANGE -12.32 -24.6943 -19.2538 -26.1851 -37.6362 CHANGE -8.2213 -16.8302 -17.4061 -20.0787 -26.759 increase $ increase % CHANGE -14.9605 -29.8107 -25.5194 -32.482 -44.7705 increase $ increase % CHANGE -9.8281 -19.9242 -19.3392 -23.0349 -31.0516 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -10.0959 -20.439 -19.6616 -23.5276 -31.7666 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -10.898 -21.986 -20.6288 -25.0044 -33.9129 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -11.4336 -23.0169 -21.2723 -25.9898 -35.3442 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -12.1317 -24.3624 -22.1134 -27.2755 -37.2097 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -6.6807 -13.8534 -14.0094 -16.5305 -22.6127 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -13.1027 -26.2242 -21.7405 -28.3501 -39.7779 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -11.4245 -23 -21.2619 -25.9729 -35.3195 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -11.4245 -23 -21.2619 -25.9729 -35.3195 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -10.3533 -20.9369 -19.9736 -24.0034 -32.4569 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -3.2709 -7.2947 -11.4456 -10.9683 -13.5263 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -13.1027 -26.2164 -21.7444 -28.3501 -39.7792 increase $ increase % Decrease from 22% anticipated decrease % CHANGE -6.3298 -16.8926 25.2495 -30.3292 -13.2364 increase $ increase % Admin Costs Savings with UUHP CHANGE 142.6476 57.0579 116.5199 60.9412 -14.9199 increase $ increase % Admin Costs Additional Cost w/BCI MEDICAL 524 1009.38 630.83 964.41 1400.61 1938900.72 MEDICAL x 639.28 1231.44 769.61 1176.58 1708.74 2365453.2 426552.48 0.219997071330192 MEDICAL x 587.44 1131.59 707.2 1081.17 1570.19 2173653 234752.28 0.121074935698616 MEDICAL x 626.92 1207.64 754.74 1153.84 1675.72 2319740.16 380839.44 0.196420289121353 2.35797108786467E-02 0.041 No MEDICAL x 624.86 1203.68 752.26 1150.05 1670.22 2312127.24 373226.52 0.192493878696378 2.75061213036219E-02 0.044 No MEDICAL x 618.69 1191.78 744.82 1138.69 1653.71 2289272.76 350372.04 0.180706539734536 3.92934602654642E-02 0.053 No MEDICAL x 614.57 1183.85 739.87 1131.11 1642.7 2274033.24 335132.52 0.172846663340246 4.71533366597541E-02 0.065 No MEDICAL x 609.2 1173.5 733.4 1121.22 1628.35 2254164.12 315263.4 0.162599042203667 5.74009577963331E-02 0.032 Maybe MEDICAL x 609.2 1173.5 733.4 1121.22 1628.35 2254164.12 315263.4 0.162599042203667 5.74009577963331E-02 0.032 Renegotiate MEDICAL x 559.8 1078.34 673.93 1030.3 1496.31 2071376.52 132475.8 6.83252105863368E-02 0.151674789413663 0.032 YES-Went with this option MEDICAL x 614.64 1183.98 739.95 1131.24 1642.89 2274293.16 335392.44 0.172980718682698 4.70192813173023E-02 0.056 No MEDICAL x 614.64 1183.98 739.95 1131.24 1642.89 2274293.16 335392.44 0.172980718682698 4.70192813173023E-02 0.065 No MEDICAL x 622.88 1199.85 749.86 1146.39 1664.91 2304776.04 365875.32 0.188702451974952 3.12975480250479E-02 0.044 No MEDICAL x 677.36 1304.79 815.46 1246.66 1810.53 2506360.32 567459.6 0.292670787187082 -7.26707871870819E-02 No MEDICAL x 559.8 1078.4 673.9 1030.3 1496.3 2071389.6 132488.88 6.83319566769771E-02 0.151668043323023 N/A Strongly Considered-No Specific Fee plus Admin Medical Fee Plus PBM Admin 81.13 120.73 111.59 111.59 160.67 229135.2 286826.4 -76799.52 Specific Fee plus Admin Medical Fee 194.53 194.53 194.53 194.53 194.53 317472.96 363625.92 76799.52 VISION 17.54 27.02 27.02 46.43 46.43 62421.36 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 matt requested 4.7% and broker requested 5.7% VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 Aggregate Composite Rate/Month 20.35 20.35 20.35 20.35 20.35 33211.2 Aggregate Composite Rate/Month 13.28 13.28 13.28 13.28 13.28 21672.96 EAP 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP Number of Employees General 93 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 Aggregate 541.85 1079.38 955.29 955.29 1621.24 2197039.92 Aggregate 1577 1577 1577 1577 1577 2573664 Wellness 4.5 4.5 4.5 4.5 4.5 7344 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Fire 20 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 Commission 15 15 15 15 15 24480 Commission 15 15 15 15 15 24480 TELEDOC 3.75 3.75 3.75 3.75 3.75 6120 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 Police 38 Total TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 Total Medical x 658.33 1235.46 1102.23 1102.23 1817.26 2483866.32 544965.6 0.281069368007661 Total Medical x 1799.81 1799.81 1799.81 1799.81 1799.81 2937289.92 998389.2 0.514925385142979 TOTAL 555.5797 1050.4397 671.8897 1024.8797 1461.0797 2024234.92768212 TOTAL 670.9697 1272.6097 810.7797 1237.1597 1769.3197 0.210967267969837 TOTAL 619.1297 1172.7597 748.3697 1141.7497 1630.7697 0.116140136587729 Current Rate 4 Visits 2.33 351.83 TOTAL 658.6097 1248.8097 795.9097 1214.4197 1736.2997 0.18836754311789 TOTAL 656.5497 1244.8497 793.4297 1210.6297 1730.7997 0.184603203727045 TOTAL 650.3797 1232.9497 785.9897 1199.2697 1714.2897 0.173303341301072 TOTAL 646.2597 1225.0197 781.0397 1191.6897 1703.2797 0.165767818265944 TOTAL 640.8897 1214.6697 774.5697 1181.7997 1688.9297 0.155946314582557 TOTAL 640.8897 1214.6697 774.5697 1181.7997 1688.9297 0.155946314582557 TOTAL 591.4897 1119.5097 715.0997 1090.8797 1556.8897 6.55747921885221E-02 TOTAL 646.3297 1225.1497 781.1197 1191.8197 1703.4697 0.165897859081264 TOTAL 646.3297 1225.1497 781.1197 1191.8197 1703.4697 0.165897859081264 TOTAL 654.5697 1241.0197 791.0297 1206.9697 1725.4897 0.18096890515152 TOTAL 709.0497 1345.9597 856.6297 1307.2397 1871.1097 0.280634923714223 TOTAL 591.4897 1119.5697 715.0697 1090.8797 1556.8797 6.55679479350841E-02 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 VISION x 17.54 27.02 27.02 46.43 46.43 62421.36 0 1.20769296054214 1.21150190018182 1.20671546645889 1.20712674153853 1.21096726796984 fam incr 1.11438502160025 1.11644647085673 1.11382820127278 1.11403289185796 1.11614013658773 fam incr Proposed Rate 6 visits 2.11 196.23 1.18544592880368 1.18884472223553 1.1845838588108 1.18493877233472 1.18836754311789 fam incr 1.1817380901806 1.18507487245959 1.18089277697036 1.18124077746741 1.18460320372705 fam incr 1.17063257352799 1.17374628348645 1.16981953144906 1.1701565501079 1.17330334130107 fam incr 1.16321689628184 1.16619706411191 1.1624522511627 1.16276056037329 1.16576781826594 fam incr 1.15355131695858 1.15634404765207 1.15282269490963 1.15311064764569 1.15594631458256 fam incr 1.15355131695858 1.15634404765207 1.15282269490963 1.15311064764569 1.15594631458256 fam incr 1.0646351868712 1.06575341515757 1.06431114771178 1.0643977998 1.06557479218852 fam incr 1.16334289079816 1.16632082180657 1.16257131831885 1.16288740452441 1.16589785908126 fam incr 1.16334289079816 1.16632082180657 1.16257131831885 1.16288740452441 1.16589785908126 fam incr 1.17817424529046 1.18142878037832 1.17732076228607 1.17766962675123 1.18096890515152 fam incr 1.27623397741921 1.28132979944066 1.27495583032339 1.27550549623526 1.28063492371422 fam incr 1.0646351868712 1.06581053409357 1.06426649752822 1.0643977998 1.06556794793508 fam incr My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 My Group EAP x 5.7897 5.7897 5.7897 5.7897 5.7897 9448.84768211921 0 DENTAL 46.6 93.04 143.44 143.44 211.77 264020.16 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 Proposed Rate 20 visits w/ 1 mandatory 11.69 678.02 Total Difference Annually Avg Cost/Employee/Month DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 Wellness x 0 -7344 Wellness x 4.5 4.5 4.5 4.5 4.5 7344 0 1 1 1 1 1 1 1 1 1 1 Proposed Rate 20 visits 3.91 0 578.61 2721.36 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6299.52 179.52 TOTAL HEALTH/ DENTAL 602.1797 1143.4797 815.3297 1168.3197 1672.8497 TOTAL HEALTH/ DENTAL 717.5697 1365.6497 954.2197 1380.5997 1981.0897 426732 TOTAL HEALTH/ DENTAL 665.7297 1265.7997 891.8097 1285.1897 1842.5397 234931.8 Cost/Year 10491 5.78973509933775 TOTAL HEALTH/ DENTAL 705.2097 1341.8497 939.3497 1357.8597 1948.0697 381018.96 TOTAL HEALTH/ DENTAL 703.1497 1337.8897 936.8697 1354.0697 1942.5697 373406.04 TOTAL HEALTH/ DENTAL 696.9797 1325.9897 929.4297 1342.7097 1926.0597 350551.56 TOTAL HEALTH/ DENTAL 692.8597 1318.0597 924.4797 1335.1297 1915.0497 335312.04 TOTAL HEALTH/ DENTAL 687.4897 1307.7097 918.0097 1325.2397 1900.6997 315442.92 TOTAL HEALTH/ DENTAL 687.4897 1307.7097 918.0097 1325.2397 1900.6997 315442.92 TOTAL HEALTH/ DENTAL 638.0897 1212.5497 858.5397 1234.3197 1768.6597 132655.32 TOTAL HEALTH/ DENTAL 692.9297 1318.1897 924.5597 1335.2597 1915.2397 335571.96 TOTAL HEALTH/ DENTAL 692.9297 1318.1897 924.5597 1335.2597 1915.2397 335571.96 TOTAL HEALTH/ DENTAL 701.1697 1334.0597 934.4697 1350.4097 1937.2597 366054.84 TOTAL HEALTH/ DENTAL 755.6497 1438.9997 1000.0697 1450.6797 2082.8797 567639.12 TOTAL HEALTH/ DENTAL 638.0897 1212.6097 858.5097 1234.3197 1768.6497 132668.4 TOTAL 685.5197 1272.1297 1138.8997 1158.3097 1873.3397 0.282161192230875 TOTAL 1831.4997 1840.9797 1840.9797 1860.3897 1860.3897 0.273297884028794 Current EAP Cost 4221.96 2.33 1.2338818207197 1.21104494869383 1.6950694073797 1.13019088526233 1.28216119223087 fam incr 3.29655604658054 1.75258006107817 2.7400027696913 1.81522735925598 1.27329788402879 fam incr Additional cost 6269.04 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 46.6 93.04 143.44 143.44 211.77 264020.16 0 1 1 1 1 1 1 1 1 1 1 TOTAL HEALTH/ DENTAL 732.1197 1365.1697 1282.3397 1301.7497 2085.1097 537801.12 TOTAL HEALTH/ DENTAL 1878.0997 1934.0197 1984.4197 2003.8297 2072.1597 998568.72 CITY OF REXBURG HEALTH & DENTAL INSURANCE PROPOSALS FOR 2021 Current COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Option # Budget COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #1 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #2 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental Option #3 COVERAGE SINGLE COUPLE EMP/CHILD EMP/CHILDREN FAMILY TOTAL Increases in premiums for Health/Dental 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 PPO Count 16 34 2 0 86 138 Renewal of Current Option with no changes- Amounts Used in FY2021 Budget Process PPO Count 16 34 2 0 86 138 Renewal of Current Option with no changes in plan as quoted on 9/11/20 PPO Count 16 34 2 0 86 138 Renewal of Current Option with Change to Choice Docs- CoPay for General Practitioner $20/$40 and $40/$60 for Specialist PPO Count 16 34 2 0 86 138 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) PPO Count 16 34 2 0 86 138 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Dental Count 12 24 1 3 88 128 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Ded. 1 2 2 2 2 Total Ded. 16 68 4 0 172 260 DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 68 4 0 172 260 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 68 4 0 172 260 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 68 4 0 172 260 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE Total Ded. 16 68 4 0 172 260 INCREASED DOLLARS DEDUCTIBLE HRA CONTRIBUTION NET DEDUCTIBLE City HEALTH 0 679.82 1307.1 925.52 1280.88 1720.6 2461693.92 2500 -1700 800 CITY HEALTH 0.17 795.3894 1529.307 1082.8584 1498.6296 2013.102 2880181.8864 418487.9664 2500 -1700 800 CITY HEALTH 0.135 771.5957 1483.5585 1050.4652 1453.7988 1952.881 2794022.5992 332328.6792 2500 -1700 800 CITY HEALTH 0.125 764.7975 1470.4875 1041.21 1440.99 1935.675 2769405.66 307711.74 2500 -1700 800 CITY HEALTH 0.1 747.802 1437.81 1018.072 1408.968 1892.66 2707863.312 246169.392 2500 -1700 800 CITY DENTAL 36.84 73.54 113.38 113.38 167.4 212555.52 CITY DENTAL 0.17 43.1028 86.0418 132.6546 132.6546 195.858 248689.9584 36134.4384 Employer CITY DENTAL 0.135 41.8134 83.4679 128.6863 128.6863 189.999 241250.5152 28694.9952 Employer CITY DENTAL 0.125 41.445 82.7325 127.5525 127.5525 188.325 239124.96 26569.44 Employer CITY DENTAL 0.1 40.524 80.894 124.718 124.718 184.14 233811.072 21255.552 Employer CITY TOTAL 716.66 1380.64 1038.9 1394.26 1888 2674249.44 CITY TOTAL 838.4922 1615.3488 1215.513 1631.2842 2208.96 3128871.8448 454622.4048 454622.4048 CITY TOTAL 813.4091 1567.0264 1179.1515 1582.4851 2142.88 3035273.1144 361023.6744 361023.6744 CITY TOTAL 806.2425 1553.22 1168.7625 1568.5425 2124 3008530.62 334281.18 334281.18 CITY TOTAL 788.326 1518.704 1142.79 1533.686 2076.8 2941674.384 267424.944 267424.944 EMPLOYEE HEALTH 106.12 204 144.44 199.9 268.54 384206.88 EMPLOYEE HEALTH 0.17 124.1604 238.68 168.9948 233.883 314.1918 449522.0496 65315.1696 EMPLOYEE HEALTH 0.135 120.4462 231.54 163.9394 226.8865 304.7929 436074.8088 51867.9288 EMPLOYEE HEALTH 0.125 119.385 229.5 162.495 224.8875 302.1075 432232.74 48025.86 EMPLOYEE HEALTH 0.1 116.732 224.4 158.884 219.89 295.394 422627.568 38420.688 EMPLOYEE DENTAL 8.36 16.7 25.76 25.76 38.02 48273.6 EMPLOYEE DENTAL 0.17 9.7812 19.539 30.1392 30.1392 44.4834 56480.112 8206.512 Employee EMPLOYEE DENTAL 0.135 9.4886 18.9545 29.2376 29.2376 43.1527 54790.536 6516.936 Employee EMPLOYEE DENTAL 0.125 9.405 18.7875 28.98 28.98 42.7725 54307.8 6034.2 Employee EMPLOYEE DENTAL 0.1 9.196 18.37 28.336 28.336 41.822 53100.96 4827.36 Employee EMPLOYEE TOTAL 114.48 220.7 170.2 225.66 306.56 432480.48 EMPLOYEE TOTAL 133.9416 258.219 199.134 264.0222 358.6752 506002.1616 73521.6816 0.17 73521.6816 EMPLOYEE TOTAL 129.9348 250.4945 193.177 256.1241 347.9456 490865.3448 58384.8648 0.135 58384.8648 EMPLOYEE TOTAL 128.79 248.2875 191.475 253.8675 344.88 486540.54 54060.06 0.125 54060.06 EMPLOYEE TOTAL 125.928 242.77 187.22 248.226 337.216 475728.528 43248.048 0.1 43248.048 TOTAL 831.14 1601.34 1209.1 1619.92 2194.56 3106729.92 TOTAL 972.4338 1873.5678 1414.647 1895.3064 2567.6352 3634874.0064 528144.0864 0.17 Family Increase-Year 528144.0864 TOTAL 943.3439 1817.5209 1372.3285 1838.6092 2490.8256 3526138.4592 419408.5392 0.135 Family Increase-Year 419408.5392 TOTAL 935.0325 1801.5075 1360.2375 1822.41 2468.88 3495071.16 388341.24 0.125 Family Increase-Year 388341.24 TOTAL 914.254 1761.474 1330.01 1781.912 2414.016 3417402.912 310672.992 0.1 Family Increase-Year 310672.992 Employee Increase 19.4616 37.519 28.934 38.3622 52.1152 625.3824 Total Employee Increase 15.4548 29.7945 22.977 30.4641 41.3856 496.6272 Total Employee Increase 14.31 27.5875 21.275 28.2075 38.32 459.84 Total Employee Increase 11.448 22.07 17.02 22.566 30.656 367.872 Total cola min wage to cover increase with COLA 2500 Ded 70/10-BC PPO Dental w/Surcharge w/2500 Annual Limit Blue Cross Health 591.49 1119.51 715.1 1090.88 1556.89 2194199.04 Blue Cross Health 754.95 1434.39 911.89 1391.73 1993.81 2809678.8 0.280503157999741 Blue Cross Health 706.88 1341.33 854.41 1304.22 1865.29 2628468.72 0.197917177103496 Blue Cross Health 700.14 1328.34 846.3 1291.81 1847.27 2603083.44 0.186347907617351 Blue Cross Health 690.13 1309.06 834.25 1273.39 1820.52 2565400.08 0.169173822991008 0.0249 19944.8675 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 268896.72 BC PPO Dental 46.6 93.04 143.44 143.44 211.77 268896.72 0 BC PPO Dental 45.48 90.8 139.99 139.99 206.68 262432.08 -2.40413494073115E-02 BC PPO Dental 45.48 90.8 139.99 139.99 206.68 262432.08 -2.40413494073115E-02 BC PPO Dental 45.48 90.8 139.99 139.99 206.68 262432.08 -2.40413494073115E-02 HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 442000 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 442000 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 442000 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 442000 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS HRA Contribution 141.6667 283.3333 283.3333 283.3333 283.3333 442000 0 NET BEGINNING BALANCE OF SAVINGS ENDING BALANCE IN SAVINGS 8/28/2019 TOTAL 779.7567 1495.8833 1141.8733 1517.6533 2051.9933 2905095.76 201634.16 587308 788942.16 TOTAL 943.2167 1810.7633 1338.6633 1818.5033 2488.9133 3520575.52 0.211862124641289 114298.4864 788942.16 903240.6464 TOTAL 894.0267 1715.4633 1277.7333 1727.5433 2355.3033 3332900.8 0.147260219745734 193237.6592 788942.16 982179.8192 TOTAL 887.2867 1702.4733 1269.6233 1715.1333 2337.2833 3307515.52 0.13852202930481 187555.64 788942.16 976497.8 TOTAL 877.2767 1683.1933 1257.5733 1696.7133 2310.5333 3269832.16 0.125550560164667 147570.752 788942.16 936512.912 0.14681503203991 0.147538243847002 0.149053310057741 0.148690082935058 0.149396196868736 0.14200512430866 0.142602291114797 0.148755848495639 0.145186536180852 0.144109156070789 increase $ increase % 0.145336604426415 0.146021483020136 0.151187258687259 0.148259146417938 0.1477285728236 increase $ increase % 0.145150383566378 0.145839288721116 0.150812445685991 0.148016189217554 0.147555923187176 increase $ increase % 0.143544225880851 0.144231797496029 0.148874021925825 0.146298137182867 0.14594725604478 increase $ increase % MEDICAL 559.8 1078.34 673.93 1030.3 1496.31 2107810.56 MEDICAL x 723.26 1393.22 870.72 1331.15 1933.23 2723290.32 615479.76 0.291999561858159 MEDICAL x 674 1298.33 811.41 1240.49 1801.56 2537810.4 429999.84 0.204003077012765 MEDICAL x 667.26 1285.34 803.3 1228.08 1783.54 2512425.12 404614.56 0.191959641762114 25385.2800000003 MEDICAL x 657.25 1266.06 791.25 1209.66 1756.79 2474741.76 366931.2 0.174081678383849 63068.6400000001 VISION 17.54 27.02 27.02 46.43 46.43 62956.08 VISION tbd 17.54 27.02 27.02 46.43 46.43 62956.08 0 VISION x 18.73 28.85 28.85 49.58 49.58 67225.92 4269.84 VISION x 18.73 28.85 28.85 49.58 49.58 67225.92 4269.84 plan change savings VISION x 18.73 28.85 28.85 49.58 49.58 67225.92 4269.84 plan change savings EAP 5.79 5.79 5.79 5.79 5.79 9588.24 My Group EAP tbd 5.79 5.79 5.79 5.79 5.79 9588.24 0 My Group EAP x 5.79 5.79 5.79 5.79 5.79 9588.24 0 My Group EAP x 5.79 5.79 5.79 5.79 5.79 9588.24 0 My Group EAP x 5.79 5.79 5.79 5.79 5.79 9588.24 0 Wellness 4.5 4.5 4.5 4.5 4.5 7452 Wellness x 4.5 4.5 4.5 4.5 4.5 7452 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7452 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7452 0 Wellness x 4.5 4.5 4.5 4.5 4.5 7452 0 TELEDOC 3.86 3.86 3.86 3.86 3.86 6392.16 TELEDOC tbd 3.86 3.86 3.86 3.86 3.86 6392.16 0 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6392.16 0 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6392.16 0 TELEDOC ? 3.86 3.86 3.86 3.86 3.86 6392.16 0 TOTAL 591.49 1119.51 715.1 1090.88 1556.89 2194199.04 TOTAL 754.95 1434.39 911.89 1391.73 1993.81 2809678.8 0.2806363969195 TOTAL 706.88 1341.33 854.41 1304.22 1865.29 2628468.72 0.198087212327139 TOTAL 700.14 1328.34 846.3 1291.81 1847.27 2603083.44 0.186512855757311 TOTAL 690.13 1309.06 834.25 1273.39 1820.52 2565400.08 0.169331166620635 1.27635293918748 1.28126591097891 1.27519228079989 1.27578652097389 1.2806363969195 family increase 1.19508360242777 1.19814025779136 1.19481191441756 1.19556688178351 1.19808721232714 family increase 1.1836886506957 1.18653696706595 1.18347084323871 1.18419074508654 1.18651285575731 family increase 1.16676528766336 1.1693151468053 1.16662005313942 1.16730529480786 1.16933116662063 family increase DENTAL 46.6 93.04 143.44 143.44 211.77 264020.16 DENTAL tbd 46.6 93.04 143.44 143.44 211.77 264020.16 0 DENTAL x 45.48 90.8 139.99 139.99 206.68 257673.12 -6347.04000000001 DENTAL x 45.48 90.8 139.99 139.99 206.68 257673.12 -6347.04000000001 DENTAL x 45.48 90.8 139.99 139.99 206.68 257673.12 -6347.04000000001 1 1 1 1 1 0.975965665236051 0.975924333619948 0.975948131622978 0.975948131622978 0.975964489776644 0.975965665236051 0.975924333619948 0.975948131622978 0.975948131622978 0.975964489776644 0.975965665236051 0.975924333619948 0.975948131622978 0.975948131622978 0.975964489776644 TOTAL HEALTH/ DENTAL 638.09 1212.55 858.54 1234.32 1768.66 2458219.2 TOTAL HEALTH/ DENTAL 801.55 1527.43 1055.33 1535.17 2205.58 3073698.96 TOTAL HEALTH/ DENTAL 752.36 1432.13 994.4 1444.21 2071.97 2862709.44 427922.64 TOTAL HEALTH/ DENTAL 745.62 1419.14 986.29 1431.8 2053.95 2837324.16 402537.36 TOTAL HEALTH/ DENTAL 735.61 1399.86 974.24 1413.38 2027.2 2799640.8 364854