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HomeMy WebLinkAboutPR 22113: CONTRACT WITH BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. City of nrt rthu T INTEROFFICE MEMORANDUM Human Resources Department Date: August 24, 2021 To: Ron Burton, City Manager Trameka Williams, Director of Human Resources From: Elizabeth Diaz, Assistant Director of Human Resources Re: BC/BS Renewal Effective 11/1/2021 P.R. No. 22113 - A Resolution Authorizing the City Manager to Execute Contracts Between Its Third Party Administrator(Administrative Services Only) For The City of Port Arthur Group Medical, Dental Insurance; For Basic Life, For Basic Accidental Death and Dismemberment,And Excess Loss Indemnity with Blue Cross and Blue Shield of Texas, Inc. Nature of the request: The City of Port Arthur is self-insured and contracts with a third party administrator to administer its Health Insurance Plan for major medical health and dental insurance, basic life insurance, and basic accidental death and dismemberment insurance are also provided for employees and City Council appointees. Additionally,the City provides access to its major medical health insurance coverage, including prescription drug coverage, for its retirees under age 65. Medicare retirees as well as their Medicare dependent(s) transitioned to the Blue Cross Medicare Advantage PPO and Prescription Drug Plan 11/1/2016. The upcoming renewal initially offered a+5.27% funding adjustment over last year's funding level; however,with continuous negotiations it reduced health renewal rate to+3.8%as an overall suggested funding adjustment with no change in the current level of benefits. The City's claim experience summary reflects a slight decrease from the most recent experience period, in both, health and dental. The possible decrease in claims relates to members postponing doctor visits and elective surgeries being canceled during peaking times of the pandemic. The favorable news is that the prescription rebate credit increased significantly this year and as a result, overall costs (administration, individual stop loss, and aggregate stop loss) remain the same. The dental coverage is being offered with a one-year rate guarantee and no change to current cost or benefits. Basic Life insurance and AD&D rates remained constant with no increase through 11/1/24. Staff Analysis, Considerations: The City of Port Arthur has a Preferred Provider Organization (PPO) insurance format which provides participants great latitude in selection of health care providers. This format has been deemed most beneficial for plan participants and most compatible with our organizational culture. The City also offers a lower cost Health Savings Account (HSA) option. The City is self-insured for major medical health insurance coverage. As we reviewed the upcoming renewal with Blue Cross and Blue Shield of Texas, staff feels the move to a Medicare Advantage plan for its Medicare retirees and/or Medicare dependents in November, 2016 has attributed to substantial savings to the City's health insurance fund over the past few years. Each renewal year comes with additional elements of the Affordable Care Act impacting the City's health insurance that must be taken into account. As this year's renewal reflects a 3.8% increase in recommended premium funding, exhibited in Attachment "A", which is an analysis of this year's renewal proposal as presented by the City's insurance consultant, Mr. Mickey Moshier. Additional efforts with regard to wellness and education regarding plan usage and alternatives will be a significant initiative in the upcoming renewal year. The 2021-2022 Open Enrollment period will be from October 1 to October 31,2021. Recommendation: It is recommended that the City Council adopt P. R. No. 22113 which authorizes the City Manager to execute contracts between its third party administrator (administrative services only) for the City of Port Arthur group medical, dental insurance; for basic life, for basic accidental death and dismemberment, and excess loss indemnity with Blue Cross and Blue Shield of Texas, Inc., and Dearborn National Life Insurance Company for its 11/1/2021- 10/31/2022 plan year. Budget Considerations: Approval of P. R. No. 22113 which authorizes the City Manager to execute contracts with the following budgetary impact for which funds are available: Fund No. 614-11-025-5411-00-00-00 (Health Insurance Fund) Expected claims $8,026,496 Administration/Stop Loss $1,173718 Dental $ 371,641 Basic Life/AD8cD $ 30,000 Total $9,601,855 P. R. No. 22113 8.24.2021--evd RESOLUTION NO. A RESOLUTION AUTHORIZING THE CITY MANAGER TO EXECUTE CONTRACTS BETWEEN ITS THIRD PARTY ADMINISTRATOR (ADMINISTRATIVE SERVICES ONLY) FOR THE CITY OF PORT ARTHUR GROUP MEDICAL, DENTAL INSURANCE, BASIC LIFE, BASIC ACCIDENTAL DEATH AND DISMEMBERMENT, AND EXCESS LOSS INDEMNITY WITH BLUE CROSS AND BLUE SHIELD OF TEXAS,INC. FUND NO: 614-11-025-5411-00-00-00 (HEALTH INSURANCE) WHEREAS, the City Council of the City of Port Arthur deems it necessary and appropriate to provide major medical health care benefits for its City's employees, City Council appointees, and its retirees under the age of 65 effective on 11/01/2021; and, WHEREAS, the City Council deems it in the best interest of the citizens of Port Arthur to be self-funded and to accept the renewal from Blue Cross and Blue Shield of Texas, Inc. as a third party administrator at an estimated cost of$459,769 and a prescription drug and medical rebate of $572,744 leaving a net administrative fee credit of $112,975 (administrative charge based on the present number of employees) as well as at a cost of $1,286,693 per year for stop loss premium (excess indemnity) per recommendation of the City's insurance consultant, Mickey Moshier, listed hereto as Attachment "A"; and, WHEREAS, the City's group health plan coverage encompasses the enactment of the Patient Protection and Affordable Care Act (PPACA) effectuated on March 23, 2010, with continuing provisions enacted annually, and do hereby affirm to continue to make changes to its existing health plan policies or products as required to comply with the law; and, current language P. R. No. 22113 8.24.2021--evd ties the City of Port Arthur to specific disaster declaration by the President in which the City wishes to modify to a more standard term; and, WHEREAS, such contracting with Blue Cross and Blue Shield of Texas, Inc. complies with Sections 252.021(b), Competitive Requirements for Certain Purchases. 252.024, Section of Insurance Broker, and 252.048,Change Orders,respectively,of the Local Government Code;and, WHEREAS, the nature of the premiums to be charged by the City and the summary of benefits are as delineated in Exhibit"A",which reflects the costs for administration by Blue Cross and Blue Shield of Texas, Inc., the stop loss premium and the expected reserve; and, WHEREAS, the Basic Life Insurance will also be continued per Dearborn National Life which includes provisions to provide basic life insurance coverage to Fire Civil Service personnel at a rate of one times his/her base annual salary in accordance with the 10/01/2017 Collective Bargaining Agreement between the City $.22/per thousand dollar unit, and all other eligible employees' coverage will remain a$6,000 death policy,which will cost the City$.19/per thousand dollar unit/per employee/per month and attached as Exhibit`B"; and, WHEREAS, as part of the Dearborn National Life proposal, the City is also obtaining Accidental Death and Dismemberment Insurance on behalf of its employees which will remain at a cost of $.04/per thousand-dollar unit/per Employee (for a $5,000 accidental death and dismemberment policy for all eligible Employees)per month as attached Exhibit`B"; and, WHEREAS,the current year's renewal provides a 3.8% increase in premium to the City, to employees, City Council appointees, and to retirees under the age 65. It is being recommended that effective 11/01/2021 all impacted plan participants will incur a 1.9%premium increase. P. R. No. 22113 8.24.2021--•evd NOW,THEREFORE,IT BE RESOLVED BY THE CITY COUNCIL OF THE CITY OF PORT ARTHUR, TEXAS: Section 1. That, the City Council of the City of Port Arthur hereby accept the following contracts to Blue Cross and Blue Shield of Texas, Inc., attached hereto and made a part hereof, as is fully delineated herein: INSURANCE COVERAGE ADMINISTRATIVE SERVICES EFFECTIVE DATE Administrative Services Blue Cross and Blue Shield November 1, 2021 City of Port Arthur's Group Medical and Stop Loss Dental Blue Cross and Blue Shield November 1, 2021 Basic Life &AD&D Dearborn National Life November 1, 2021 Section 2. That, the City Manager is hereby further authorized to execute the necessary contracts and other documents on behalf of the City of Port Arthur subject to the approval of the City Attorney, and to make payment of necessary premium and administrative charges to bind coverage subject to the terms and conditions of the contract for Third Party Administrator (Administrative Services Only) and the Contracts for Insurance attached hereto as required effectuate said services; and, Section 3. That,the City Manager is hereby directed to take all actions necessary to ensure proper funding of the City of Port Arthur's Employee Health Insurance Fund; and, Section 4. That, a copy of the caption of this Resolution be spread upon the minutes of the City Council. P. R. No. 22113 8.24.2021--evd READ, ADOPTED AND APPROVED this day of A.D. 2021 at a Regular Meeting of the City Council of the City of Port Arthur, Texas by the following votes: AYES: Mayor Councilmembers Noes DONALD FRANK, SR. MAYOR PRO TEM ATTEST: Sherri Bellard, TRMC, City Secretary APPROVED AS TO FORM: Val Tizeno, City Attorney APPROVED FOR ADMINISTRATION: (--411A61 Trameka Williams, Director of Human Resources Ron Burton, City Manger P. R. No. 22113 8.24.2021--evd APPROVED AS TO THE AVAIABILITY OF FUNDS: Kandy Danie4 Interim Director of Finance P. R. No. 22113 8.24.2021--evd ATTACHMENT "A" J.S. Edwards Sherlock INSURANCE AGENCY City of Port Arthur Benefit Renewals Active Employees and Under age 65 Retirees 11/1/21 LIFE INSURANCE: The renewal offer from incumbent Dearborn National/BCBSTX reflects NO CHANGE to current rates for either life insurance classification and we were able to negotiate an extension until 11/1/24. DENTAL INSURANCE: The City's renewal on your fully insurance dental coverage plan is being offered at NO CHANGE to current rates for the upcoming 1 year rating period. Open enrollment provisions apply, allowing employees to add or delete dependents on your 11/1/21 renewal date. Please remember that only ACTIVE employees are included in the dental coverage. HEALTH PLAN: The City offers 2 plans for employees and dependents to choose from. Both plans are funded via the City's ASO(Administrative Services Only) , a partially self-funded arrangement via BCBSTX. Annual costs are made up of fixed 4155 Phelan Boulevard • Beaumont,TX 7 707 • P.O.Box 22237,77720-2237 Beaumont(409)832-7736 • Fax(409)833-1721 • Houston(713) 224-8723 monthly costs (administration fee and stop loss premiums) and claim costs. Stop loss protection offers maximum liability for each covered individual and your group as a whole. For the most recent claim period, there have been 10 claims above the stop loss level which generated an increase in the specific stop loss premium. Review, discussion, and negotiation with BCBSTX ultimately yielded us a 3.8% overall adjustment, very positive considering the number and level of large claims. RX rebate increases offset a large portion of the potential rate adjustment. Last year's renewal was .45% (yes, just under % of 1%) so combining the 2 years, we are at 2% per year, a very competitive figure. I have attached the applicable verifications from BCBS. Please know that, like always, I am at your service 24/7. Cordially, a Mickey Moshier, MHP P. R. 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No. 22113 8.24.2021--evd EXHIBIT "B" Blue Cross BIueShield of`Itxas O 701 E.22"d Street,Suite 300—Lombard,IL 60148 CITY OF PORT ARTHUR ATTN: ELIZABETH VILLARREAL PO BOX 1089 PORT ARTHUR TX 776411089 June 17,2021 Subject: Renewal Analysis Group Policy Number: G31118 Anniversary Date: November 1,2021 Dear Policyholder: We would like to thank you for allowing us the opportunity to provide you and your employees with Group insurance products. We have reviewed the current demographics of your group insurance programs. We are pleased to inform you that there will be no change in the existing rates for the upcoming renewal period. Rates will be guaranteed until November 1,2024. Products Current Rates Renewal Rates Basic Life(Class 1) $0.19 per $1,000 $0.19 per $1,000 Basic Life(Class 2) $0.22 per $1,000 $0.22 per $1,000 Basic AD&D $0.04 per$1,000 $0.04 per$1,000 If you have any questions pertaining to your renewal, or would like more information including the availability of other products as well as a quote for additional benefit programs, please contact your local Blue Cross and Blue Shield of Texas Ancillary sales office or insurance broker. We value our relationship with you and look forward to providing quality service to you in the future. Sincerely, Ancillary Underwriting Department Cc Mickey Moshier Insurance products Issued by Dearborn Life Insurance Company,701 E.22nd St.Suite 300,Lombard,IL 60148.Blue Cross and Blue Shield of Texas is the trade name of Dearborn Life Insurance Company,an independent licensee of the Blue Cross and Blue Shield Association.BLUE CROSS',BLUE SHIELD'and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association,an association of independent Blue Cross and Blue Shield Plans.