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Health Insurance
Attachments:
Attachment NameAttachment SizeAttachment Date
Size: 231K
Last Updated: 2017/12/8
Size: 1.6M
Last Updated: 2017/12/8
City of DeBary SealCity Council Meeting
City of DeBary
AGENDA ITEM





Subject:  Health Insurance Plans
  
From:   Ron McLemore
             
Meeting/Hearing Date:  
December 13, 2017
Attachments:
(   )  Ordinance
(   )  Resolution
(   )  Other
(X )  Supporting Documents/Contracts

Request
Staff requests City Council approve the health insurance plans and carriers as presented for plan year January 1, 2018 – December 31, 2018.

Purpose
To acquire health insurance and additional insurances for all full-time City of DeBary employees at reasonable costs while preserving the current benefit levels.  

Considerations
Staff reviewed the various proposals and performed cost and benefits comparisons.

The City’s current carrier, Florida Hospital Care Advantage, proposed a modest 3.7% increase for renewal rates for the City to retain its current high deductible health plan.

Staff agreed unanimously that renewal of the current health insurance plan was the best option.

Renewal rates increased significantly for proposals from current carriers of ancillary insurances, which include dental, vision, life and accidental death and dismemberment and short- and long-term disability.  Rate increases ranged from 9.2% to 24.6%

Staff requested that the City’s broker contact Guardian, the carrier submitting the most competitive package, to inquire about additional enhancements to the package. Guardian agreed to provide all the enhancements requested, including
  • Reduction in the deductible in the dental plan from $50 single / $150 family to $0 for both single and family coverage, and
  • Frequency of frame allowance on vision coverage from every other year to every year.
Staff agreed unanimously that Guardian was the carrier with the most competitive package for all ancillary insurances.

Cost/Funding

2018 Budget
 Anticipated Cost
 
SAVINGS
Medical
$297,076
 $267,718
H S A
                  58,500
                     58,500
Dental
                  12,905
                    11,022
Vision
                    3,346
                       2,925
Life / AD&D
                    6,624
                       5,010
STD / LTD
    19,446
              __14,025   
TOTAL
$397,896
                 $359,200
$38,696

Recommendation
It is recommended City Council approve the attached health insurance plans for plan year 2018 as presented.




City Council Action:
(   )  Approved As Recommended
(   )  Approved With Modification
(   )  Disapproved
(   )  Continued Date:

(   )  Other

Modifications:



 
 
City of DeBary, FL
16 Colomba Rd, DeBary, FL 32713
Phone: (386) 668-2040  Fax: (386) 668-4122