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Home My WebLink AboutR-2021-038 Designating an Agent and Selecting Health, Dental, and Vision Insurance Benefits July 1, 2021 RESOLUTION NO. R-2021 - 038 A RESOLUTION DESIGNATING AN AGENT AND SELECTING CERTAIN HEALTH, DENTAL, AND VISION INSURANCE BENEFITS BEGINNING JULY 1, 2021. BE IT RESOLVED BY THE BOARD OF ALDERMEN OF THE CITY OF RIVERSIDE, MISSOURI AS FOLLOWS: THAT the City of Riverside designates Bukaty Companies as its broker/agency of record for health, dental, and vision insurance benefits beginning July 1, 2021; and FURTHER THAT the City selects United Healthcare as the benefit provider for the City's health plan and accepts the 0% rate increase from Blue Cross Blue for the City's dental and vision plans, all in accordance with the attached plan summaries; and FURTHER THAT the Mayor, the City Administrator, Human Resources Manager and other appropriate City officials are hereby authorized to take any and all actions as may be deemed necessary or convenient to carry out and comply with the intent of this Resolution and to execute and deliver for and on behalf of the City all certificates, instruments, agreements and other documents, as may be necessary or convenient to perform all matters herein authorized. PASSED AND ADOPTED by the Board of Aldermen of the City of Riverside, Missouri, the 4th day of May 2021. -20710, Ma r Kathleen L. Rose ATTEST:, - Robin_Ki�icaid,_did,-Ci Clerk Executive Summary-Final Recommendations Achieve Objectives Health Insurance Our recommendation is to move to United Healthcare for the 2021-2022 plan year. Bukaty was able to secure package with richer benefits and with a broad provider network for all three plans at a 9%decrease from the current 2020-2021 rates. With the United Healthcare program all 3 plans will be paid 100%by the city for employee only coverage while also lowing the city's contribution amount. This savings also allows the city to contribute additional funds to the employee's HSA if they elect the Qualified High Deductible Option. Dental Insurance We recommend renewing with Blue Cross and Blue Shield of Kansas City as there are no benefit or rate changes for 2021-2022. Vision Insurance We recommend renewing with Blue Cross and Blue Shield of Kansas City as there are no benefit or rate changes for 2021-2022. Voluntary Ancillary Coverages The Short- and Long-Term Disability through MetLife and Accident and Critical Illness are under rate guarantee therefore we recommend not making changes to these policies. By offering these plans Met Life is continuing to offer an Employee Assistance Program(EAP)at no additional cost. Section 125 Bukaty would recommend continuing you current NueSynergy Section 125 as it is currently being administrated by a wholly owned division of Bukaty Companies COBRA Compliance COBRA is a federal mandate for employee to continue their benefits when they terminate coverage. Bukaty has a service that can administrate the COBRA and communicate to the former employees. NueSynergy will continue to collect the premiums and remit back to the City of Riverside. Implement a strategic comprehensive employee communication program Communication is essential and we plan to expand on the topics below during the Open Enrollment Process. • Reiterate how the calendar year deductible works and let the employees know that we will need an explanation of benefits to carry over their 2021 BlueKC deductible. • Educate staff and help them become more familiar with United Healthcare. Prepared exclusively for The City of Riverside COMPANIES • In-depth explanation of the voluntary plans and how to file claims • Encouraging staff to call Bukaty Team with any questions including claims issues Bukaty Companies will continue to use Employee Navigator for the Open Enrollment, hold in person enrollment meetings and record a voiceover presentation for those unable to attend in person. Best Regards, Scott Hefner Jeff Walstrom EVP/Principal Benefits Consultant Prepared exclusively for The City of Riverside COMPANIES ■BUKATY COMPANIES F.xperdse ivau experienee City of Riverside 7/1/2021 Blu.Croas BlueShield of KC BI—Cross BlueShield of KC Blue Cross BlueShield of KC BI—Cross BlueShield of KC BI..C—,BlueShield of KC BENEFITS OVERVIEW PCB PPO$1000(OOPM$4000) PCB PPO$3000(OOPM$5000) PCB BlueSaver HSA$4000 BSP Spirit Care EPO$1500 8SP Splra Care HSA EPO Preferred Care Blue Proferred Care Blue Preferred Care Blue Spiro Care I Blue Select Plus Spina Caro l BI-Select Plus DEDUCTIBLE n,.p.11 h—.r,,. „,y, w— ,,, ---rq. Individual $1,000 $3,000 b$4.000 $1,500 $3,000 Family $3,000 $6,000 $8,000 $3,000 $6.000 PHYSICIAN OFFICE VISITS i OTHER ro-1M. n,.e,.,r,,. r.s o. . na a.,,r,,, ,.p,.r.i. Hlmey Care R,ya—Office V,.ir I TeWoc $30 Copay $40 Copay Deductible;Co.insunnce No Charge or Deductible” Deductible 5peciaen feyoeian O,ce V,ut $30 Copay $40 Copay Deductible;Co-insurance No Charge or Deductible* Deductible urgent Care Ceram Vim $30 Copay $40 Copay Deductible;Co-Insurance No Charge or Deducuble' Deductible Emeraeucy xoom viut l..M>a o.q..r r.s.M..y $IOD Copay+Ded;Co-insunnce 5100 Copay+Ded;Co-insurance Deductible;Co-insurance Deductible Deductible lab Serves No Charge No Charge Deductible;Co-insurance No Charge or Deductible" Deductible x-aay Se— Deductible;Co-insurance Deductible;Co-insunnce Deductible;Co-insurance No Charge or Deductible' Deductible HrTechRWioiageal serrieea,tt Me.y Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-insurance Deductible Deductible Ch-p—or V,.dS l Manipulations eMayapM Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-insunnce Deductible Deductible Inpadend0utpatens Hospital S--ra.,,s Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-insurance Deductible Deductible Ower C—ed!S--.F., Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-insurance Deductible Deductible PLAN CO-INSURANCE(General) 80% 80% 80% 100% 100% OUT-OF-POCKET MAXIMUM bnee..ran nvw.rar nnMra,.ran r..w.ran 'v—iir,p rs.a+.n„o.rme.Mwraaar ry Individual $4,000 $5,000 $5,500 $1500 $3,000 Family $8.000 $10,000 $11,000 $3,000 $6,000 RETAIL PRESCRIPTION DRUGS COPAY Mras.ra..s..re.,mnr o.ras,,....fr..fe Tier 1-$15 Copay Tier I-$IS Copay Deductible:Co-Insurance TierI-SIS Copay Deductible Tier 2-$70 Copay Tier 2-$70 Copay Tier 2-$50 Copay Tier 3-$110 Copay Tier 3-$110 Copay Tier 3-Deductible Tier 4-$200 Copay Tier 4-$200 Copay Out of Nesewark Benefits $1,000(3X)-SOK-$6,000(2X) $3,000(2X)-60%-$10,000(2X) $4,000(2X)-60%-$11,000(2X) No Out of Network Benefits No Out of Network Benefits COST Employee Only 8 $725.93 4 $610.41 9 $546.42 2 $564.18 18 $500.79 Employee Plus Spouse 0 $1,691.00 0 $1,416.12 5 $1,267.55 3 $1,310.40 5 $1,161.83 Employee Plus Child(ren) Employee Plus Family I $2,004.62 3 $1,678.75 5 $11502.92 0 $1,553.00 7 $1,377.17 Estimated Monthly Cost $7,836.26 $7,477.89 $18,770.13 $5,060.76 $21,163.56 Estimated Annual Cost $94,035.12 $89,734.68 $225,24156 $60,729.12 $293,562.72 Imn-efi)—w Over Current ADDITIONAL INFORMATION Currentmonthlycwto(aBPkns $63,608.60 Current an..,d coo of a8 Plans $763,303.70 This is an Overview of Benefits only,where this summary the contract differ,the contract will prevail. . . ■ . . ■BUKATY COMPANIES 8xperlLse you atperlence City of Riverside 71112021 cs v . BlueCross BlueShield of KC BlueCross BlueShield of KC BlueCross BlueShield of KC BlueCross BlueShield of KC BlueCross BlueShield of KC BENEFITS OVERVIEW PCB PPO$1000(OOPM$4000) PCB PPO$3000(OOPM$S000) PCB BlueSaver HSA$4000 BSP Spira Care EPO$1500 BSP Spira Care HSA EPO Preferred Care Blue Preferred Core Blue Preferred Care Blue Spira Care I SlueSelect Plus Spiro Core I SlueSelect Plus DEDUCTIBLE I—._ _ , •Individual $1.000 b$3,000 $4.000 Po$1.500 $3,000 Family $3.000 $6,000 $8,000 $3,000 $6.000 PHYSICIAN OFFICE VISITS L OTHER '^^w°^,r°r nn v..r.v h,wv..r roe i' si,.° M1 r.r 1`ti ry cite rnyvcan OIRa visit I Teladec $30 Copay $40 Copay Deductible;Co-insurance No Charge or Deducuble* Deductible Sp .I,,,My—n ORia V..n $30 Copay $40 Copay Deductible;Co-insurance No Charge or Deductible* Deductible urgent Care Center visit $30 Copay $40 Copay Deductible;Ca-insurance No Charge or Deductible` Deductible Emergency Room vent i—rs.e t•.m^y rruewR $100 Copay i Ded;Co-insurance $100 Copay t Ded;Co-insurance Deductible;Co-insurance Deductible Deductible lab Serrates No Charge No Charge Deductible;Co-insurance No Charge or Deductible* Deductible X-Ray k— Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-insurance No Charge or Deductible* Deductible Hi-Tech Rsaiologiui Serece.ict ma,,w Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-Insurance Deductible Deductible Chrapr.anr viuv5pnal r-1u,puI[,u.n R.,r.a,.yappv Deductible;Co-Insurance Deductible;Co-insurance Deductible;Co-insurance Deductible Deductible Inpnwncioutpa—,Hospml Service.rc,..,.s Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-insurance Deductible Deductible Other Cmrea 5ervuces iic-. Deductible;Co-insurance Deductible;Co-insurance Deductible;Co-insurance Deductible Deductible PLAN CO-INSURANCE(General) 80% 80% 80% 100% 100% OUT-OF-POCKET MAXIMUM fsm.ne we,au,.Meord a tic tn.W Individual $4.000 $5,000 $5,500 $1,500 $3,000 .Family $8,000 $10,000 $11.000 $3.000 $6,000 RETAIL PRESCRIPTION DRUGS COPAY a6.roe.k,(�mrwsr grwasmmry.lY,.Po Tier l-$15 Copay Thar l-$15 Copay Deductible;Co-insurance Tier ISIS Copay Deductible Tier 2.$70 Copay Tier 2-$70 Copay Tier 2-$50 Copay Tier 3-$110 Copay Tier 3-$110 Copay Tier 3-Deductible Tier 4-$200 Copay Tier 4-$200 Copay at nt.� Out of Network Benefits $1,000(3X)-SO%-$8,000(2X) $3,000(2X)-60%-$10,000(2X) $4,000(2X)-60%-$11.000(2X) No Out of Network Benefits No Out of Network Benefit+ COST Employee Only 8 $660.72 4 $614.08 9 $582.99 2 $606.31 Is $559.67 Employee Plus Spouse 0 $1,532.88 0 $1,424.83 5 $1,352.54 3 $1,406.95 5 $1,298.13 Employee Plus Child(ren) Employee Plus Family 1 $1,816.60 3 $1,688.34 S $1,602.64 0 $1,667.36 7 $1,539.10 Estimated Monthly Cost $7,102.36 $7,521.34 $20,023.81 $5,433.47 $27,338.41 Estimated Annual Cost $SS,228.32 $90,256.06 $240,285.72 $65,201.64 $328,060.92 lr¢'rease/Decrease Orer Current -9.4% 0.6% 6.7% 7.4% 11,8% ADDITIONAL INFORMATION Renewal n,onthh cost of aN pWns 567,419.39 Renewal annual cost o(aA Plans 5809,032.68 ImmoselDecrease over current 6% This is an Overview of Benefits only,where this summary the contract differ,the contract volt prevail • • ■ • ■ .BUKATY COMPANIES Expertise tylu eWrienre City of Riverside 7/1/2021 United HealthCare United HealthCare United HealthCare BENEFITS OVERVIEW BWBT Ra plan IU BWBW Ra plan IU BTKN HSA Ra plan H9 Choice Plus Network Bene fib Choice Plus Network Benefin Choice Plus Network Benefits DEDUCTIBLE P—-m, b ,n w m r,,,,,,,,, Individual $1.000 $2.500 52.800 •Family $2.000 $5,000 $5,600 PHYSICIAN OFFICE VISITS 6 OTHER nnep..t Ms nmy.v sora nneaee roe Primary Care Pnyunm Once Vnrc I Tel— $25 Copay $30 Copay Deductible;Coinsurance Speculia Physiasn Once writ $50 Copay $60 Copay Deductible;Coinsurance urtent Gee Ceram visit $50 Copay $50 Copay Deductible;Coinsurance Emergency Room wut am,wxt,,.,saanrov..u,.y $250 Copay+20% $250 Copay+20% Deductible;Coinsurance tab S-- Deductible;Coinsurance Deductible;Coinsurance Deductible;Coinsurance X-Ray Smites Deductible;Coinsurance Deductible;Coinsurance Deductible;Coinsurance HI-Tech Radiok,tical Services,cr sa.q Deductible;Coinsurance Deductible;Coinsurance Deductible;Coinsurance Chnopractor V,,VSpinal hlaMpuhuon—rissw Deductible;Coinsurance Deductible;Coinsurance Deductible;Coinsurance Inpter,dOutpat—Hospnl Serrates,>;...ns Deductible;Coinsurance Deductible;Coinsurance Deductible;Coinsurance Other Covered s—eet rt—* Deductible;Coinsurance Deductible;Coinsurance Deductible;Coinsurance PLAN CO-INSURANCE(General) 80% 80% 80% OUT-OF-POCKET MAXIMUM nave r.sr rsagss,.M1rs nwm..sa. Pms<.ne aee,——a.c- -individual $4,000 56,000 $5,600 •Family $8,000 $12,000 $11.200 RETAIL PRESCRIPTION DRUGS COPAY Deductible then Tkr 1$15 Copay Tier 1$15 Copay Tier I$ IO Tier 2$40 Copay Tier 2$40 Copay Tkr 2$30 Tier 3$75 Copay Tier 3$75 Copay Tier 3$50 as i.Id� Out of Network Benefits $5,000(2X)-SO%-$10,000(2X) $5,000(2X)-SO%-$10,000(2X) $5,000(2X).30%-$10,000(2X) COST Employee Only 14 $633.62 0 $564.64 27 $461.19 Employee Plus Spouse 0 $1,470.00 3 $1,356.37 10 $11069.96 Employee Plus Child(ren) Employee Plus Family 1 $1,742.08 3 $1,607.41 12 $1,268.00 Estimated Monthly Cost $10,612.76 $8,691.34 $38,367.73 Estimated Annual Cost $127,353.12 $106,696.08 $460,412.76 Inneuse/Decrease Over Current ADDITIONAL INFORMATION UHCmonthlycostofal Rom $57,871.83 $694,461.96 UHC annual con of all Plops $694,461.96 Increase/Det n current -9% This is an Overview of Benefits only,where this summary the contract differ,the contract will prevail. . ■ . .