Title
Resolution approving the County's 2012 Health, Life and Dental Insurance Plan.
Staff Summary
· Proposed premium and plan changes for Lake County's health insurance.
· Proposed plan changes for Lake County's prescription coverage.
· Proposed vendor, premium and plan changes for Lake County's dental insurance.
· Proposed premium and plan changes for Lake County's life insurance.
(see 2012 Health, Life and Dental Recommendations for details)
Body
2012 Health, Life and Dental Recommendations:
Health
Projected claims increase 2.4% (approximately $1,000,000)
The range of monthly premiums increases for employees is $.70 to $5.73
The range of monthly premiums increases for the County is $11.48 to $37.48
No changes to the percentage of employee cost sharing
No changes to current health insurance plans. However, we are
recommending the addition of a Consumer-Driven Health Plan (CDHP) PPO
with a Health Savings Account (HSA) as a new option
CDHP PPO
High-deductible plan (individual $1,200, family $2,400)
Comprehensive coverage same as current PPO plan
Tax-exempt Health Savings Account (HSA)
County contributes to HSA (individual $1,200, family $2,400)
Strong focus on managing health care and improving health
Prescriptions
New programs (to encourage higher usage of chemically equivalent generic
drugs and greater use of the mail order program): Generics Preferred - The
Express Scripts Generics Preferred program encourages generic utilization
through economic incentives; Select Home Delivery - The Express Scripts
Select Home Delivery program uses 'Active Choice' to engage members in
their healthcare decisions by requiring that them to choose to fill their
maintenance medications through the Express Scripts Pharmacy or at retail
Potential network change: Due to faltering negotiations between Walgreens
and Express Scripts, Walgreens may no longer be in Lake County's network
as of January 1, 2012
Dental
New provider (Delta Dental)
Premium decrease for Lake County and employees (on average of 3.5%)
Greater network of dentists for employees to access
Plan changes: Additional cleanings/maintenance for those that are at risk for
oral health issues; Consultations now included in Coverage B and periodontics
moved from Coverage C to Coverage B; Carry-over feature for deductible
allows members to roll over qualified unused portion of the annual max from
one year to the next
Life
Retain ING as group-term and supplemental life insurance provider
Rate reduction for group-term and supplemental life insurance
Offer additional 4 times and 5 times salary tiers for supplemental life insurance
Offer a new funeral planning service