Title
Resolution approving the County’s health, life and dental insurance plan for fiscal year 2009.
Staff Summary
• FY09 Health, Life, Dental Recommendations
MEDICAL
Increase employee contribution percentage by .5%
Prescription Drug coverage will be administered by Express Scripts
DENTAL
Increase Child Ortho by $250 both in and out of network services
Implants will be covered at 50% within plan limits
Increase deductibles to $35 Sgl/$70 Fam and $65 Sgl/$130 Fam for in
and out of network respectively
Decrease basic in-network coinsurance to 80% and increase out of network preventative coinsurance to 90%
Decrease out-of-network basic insurance coverage to 70%
Employee contributions will change to Sgl-25%; Sgl+1-35%; Fam-50%
VISION
Increase monthly premiums by Sgl-$.51; Sgl+1-$0.93; Fam-$1.57
Body
RESOLUTION
WHEREAS, the Human Resources Department recommends that the FY09
coverage for medical services, prescription co-pays, deductibles, out-of-pocket
maximums, etc. remain at FY08 levels for the County’s medical (HMO & PPO) insurance
plans; and
WHEREAS, Human Resources recommends that the County adjusts cost sharing for
medical premiums by increasing the employee portion by .50% thus making employee
cost sharing to be 8 ½%, 10 ½%, & 12 ½% for PPO ; HMO cost sharing to become 6 ½%, 8
½%, & 10 ½%, and Blue Advantage HMO cost sharing to be 5%, 7%, & 9% respectively;
WHEREAS, Human Resources recommends that the County’s FY09 dental
coverage is amended to reflect child orthodontia coverage limits of $1500 for in network
service and $1250 for out of network services;
WHEREAS, Human Resources recommends that the County’s FY09 dental
insurance plan is amended to reflect the Basic Service coverage cost sharing to be 80/20% in
network, and 70/30% out of network, and the out of network Preventative coverage cost
sharing to be 90/10%;
WHEREAS, Human Resources recommends that the County’s adjusts cost sharing
for dental insurance premiums by increasing the employee portion to 25%, 35%, and 50%
respectively, equating to an average increase of 1.4%
NOW, THEREFORE, BE IT RESOLVED, BY THIS County Board of Lake County,
Illinois, that the County’s health, life and dental insurance plan for fiscal year 2009, is hereby
approved.
DATED, A.D., 2006. at Waukegan, Illinois, on this 14th day of October, A.D., 2008.