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HomeMy Public PortalAboutFY 2023 Insurance & Employee Benefits Department BudgetCITY OF WATERTOWN NEXT YEAR BUDGET COMPARISON REPORT FY 2023 FY 2023 FY 2022 FY 2022 LEVEL ADDITIONAL FY 2021 ORIGINAL REVISED SERVICE FUNDING MANAGER ACTUAL BUDGET BUDGET BUDGET REQUESTS RECOMMENDS 0191200 INSURANCE & EMPLOYEE BENEFITS 0191200 510117 SICK LEAVE BUYBACK $ 200,000 $ 200,000 $ 200,000 $ 200,000 $ 200,000 0191200 510167 PUB. SFTY IOD CLAIMS ADMN $ 15,000 $ 15,000 $ 15,000 $ 15,000 $ 15,000 0191200 510173 WORKER'S COMP. INSUR. $ 564,964 $ 514,576 $ 514,576 $ 439,624 $ 439,624 0191200 510175 UNEMPLOYMENT $ 25,000 $ 25,000 $ 25,000 $ 25,000 $ 25,000 0191200 510176 GROUP LIFE INSURANCE $ 61,924 $ 70,000 $ 70,000 $ 70,000 $ 70,000 0191200 510178 MEDICARE TAX $ 1,004,545 $ 1,137,500 $ 1,137,500 $ 1,180,000 $ 1,180,000 0191200 510180 CITY HEALTH INSURANCE $ 3,727,079 $ 4,479,846 $ 4,479,846 $ 4,660,000 $ 344,746 $ 4,781,902 0191200 510181 SCHOOL HEALTH INS. $ 5,507,365 $ 6,091,608 $ 6,091,608 $ 6,305,000 $ 79,985 $ 6,384,985 0191200 510185 MEDICARE PART B REIMB. $ 623,631 $ 660,000 $ 660,000 $ 720,000 $ 720,000 0191200 510186 PEC RELATED FEES $ 20,277 $ 21,600 $ 21,600 $ 22,000 $ 22,000 TOT. INS. & EMPLOYEE PERSONNEL RELATED COSTS $ 11,749,784 $ 13,215,130 $ 13,215,130 $ 13,636,624 $ 424,731 $ 13,838,511 0191200 570741 PROPERTY & LIAB. INS. $ 650,501 $ 856,200 $ 856,200 $ 1,026,339 $ 1,026,339 TOT. INSURANCE & EMPLY. SUPPLIES AND SERVICES $ 650,501 $ 856,200 $ 856,200 $ 1,026,339 $ - $ 1,026,339 0191200 590966 SETTLEMENTS $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 0191200 590972 RETIREE HEALTH INS. $ 3,995,000 $ 4,195,000 $ 4,195,000 $ 4,215,000 $ 4,215,000 TOT. INSURANCE & EMPL. CAPITAL COSTS/OTHER $ 4,045,000 $ 4,245,000 $ 4,245,000 $ 4,265,000 $ - $ 4,265,000 TOTAL INSURANCE & EMPLOYEE BENEFITS $ 16,445,285 $ 18,316,330 $ 18,316,330 $ 18,927,963 $ 424,731 $ 19,129,850 Page 43 BUDGET HEALTH COUNT -March 2022 GIC BILLS TOWN SCHOOL FALLON COMMUNITY DIRECT CARE INDIVIDUAL 0 FAMILY 0 FALLON COMMUNITY SELECT PLAN INDIVIDUAL 0 FAMILY 0 HARVARD PILGRIM INDEPENDENCE PLAN INDIVIDUAL 17 FAMILY 25 HARVARD PILGRIM PRIMARY CHOICE PLAN INDIVIDUAL 13 FAMILY 15 HEALTH NEW ENGLAND INDIVIDUAL 0 FAMILY 0 NAVIGATOR BY TUFTS HEALTH PLAN INDIVIDUAL 47 FAMILY 89 TUFTS HEALTH SPIRIT PLAN INDIVIDUAL 13 FAMILY 4 ALLWAYS HEALTH PARTNERS COMPLETE HMO (NHP CARE) INDIVIDUAL 5 FAMILY 5 UNICARE STATE INDEMNITY PLAN/BASIC WITH CIC INDIVIDUAL 4 FAMILY 6 UNICARE STATE INDEMNITY PLAN/BASIC WITHOUT CIC INDIVIDUAL 0 FAMILY 0 UNICARE STATE INDEMNITY PLAN/COMMUNITY CHOICE INDIVIDUAL 8 FAMILY 6 UNICARE STATE INDEMNITY PLAN/PLUS PLAN INDIVIDUAL 7 FAMILY 11 HARVARD PILGRIM MEDICARE ENHANCE HEALTH NEW ENGLAND MEDPLUS TUFTS MEDICARE COMPLEMENT TUFTS MEDICARE PREFERRED UNICARE STATE INDEMNITY PLAN/MEDICARE EXTENSION (OME) WITH C UNICARE STATE INDEMNITY PLAN/MEDICARE EXTENSION (OME) WITHO TOTAL GRAND TOTAL 275 0 0 0 0 0 0 0 SCHOOL Grandfather plan 100% & TOWN ed RETIRED TOTAL cost with plan 80%or monthly town monthly school monthly town monthly retired annual town annual school annual town annual retired RETIREES TEACHERS COUNT admin fee 60% plan 905s cost cost retiree cost teacher cost cost cost retiree cost teacher cost 0 0 0 0 $ - $ - $ $ - $ - $ - $ - $ - $- 0 0 0 0 $ - $ - $ - $ - $ - $ - $ - $ - $ 0 0 0 0 $ - $ - $ - $ - $ - $ - $ - $ - $- 0 0 0 0 $ - $ - $ - $ - $ - $ - $ - $ - $ 38 14 0 69 $ 1,036.03 $ 207.21 $ 828.82 $ 932.43 $ 14,090.01 $ 31,495.31 $ 11,603.54 $ - $ 169,080.10 $ 377,943.74 $ 139,242.43 $ - 50 8 0 83 $ 2,534.63 $ 506.93 $ 2,027.70 $ 2,281.17 $ 50,692.60 $ 101,385.20 $ 16,221.63 $ - $ 608,311.20 $ 1,226,622.40 $ 194,659.58 $ - 41 1 0 55 $ 746.72 $ 149.34 $ 597.38 $ 672.05 $ 7,765.89 $ 24,492.42 $ 597.38 $ - $ 93,190.66 $ 293,908.99 $ 7,168.51 $ - 22 1 0 38 $ 1,909.58 $ 381.92 $1,527.66 $1,718.62 $ 22,914.96 $ 33,608.61 $ 1,527.66 $ - $ 274,979.52 $ 403,303.30 $ 18,331.97 $ - 0 0 0 0 $ 669.71 $ 133.94 $ 535.77 $ 602.74 $ - $ - $ - $ - $ - $ - $ - $ - 0 0 0 0 $ 1,602.13 $ 320.43 $1,281.70 $1,441.92 $ - $ - $ - $ - $ - $ - $ - $ - 67 34 1 149 $ 891.16 $ 178.23 $ 712.93 $ 802.04 $ 33,507.62 $ 47,766.18 $ 24,239.55 $ 802.04 $ 402,091.39 $ 573,194.11 $ 290,874.62 $ 9,624.53 104 28 1 222 $ 2,183.15 $ 436.63 $1,746.52 $1,964.84 $ 155,440.28 $ 181,638.08 $ 48,902.56 $ 1,964.84 $1,865,283.36 $ 2,179,656.96 $ 586,830.72 $ 23,578.02 21 0 0 34 $ 675.73 $ 135.15 $ 540.58 $ 608.16 $ 7,027.59 $ 11,352.26 $ - $ - $ 84,331.10 $ 136,227.17 $ - $ - 4 0 0 8 $ 1,634.54 $ 326.91 $1,307.63 $1,471.09 $ 5,230.53 $ 5,230.53 $ - $ - $ 62,766.34 $ 62,766.34 $ - $ - 9 1 0 15 $ 844.47 $ 168.89 $ 675.58 $ 760.02 $ 3,37Z88 $ 6,080A8 $ 675.58 $ - $ 40,534.56 $ 72,962.21 $ 8,106.91 $ - 9 0 0 14 $ 2,211.64 $ 442.33 $1,769.31 $1,990.48 $ 8,846.56 $ 15,923.81 $ - $ - $ 106,158.72 $ 191,085.70 $ - $ - 12 3 18 37 $ 1,239.09 $ 495.64 $ 743.45 $1,115.18 $ 2,973.82 $ 8,921.45 $ 2,230.36 $ 20,073.26 $ 35,685.79 $ 107,057.38 $ 26,764.34 $ 240,879.10 9 1 1 17 $ 2,752.65 $ 1,101.06 $1,651.59 $2,477.39 $ 9,909.54 $ 14,864.31 $ 1,651.59 $ 2,477.39 $ 118,914.48 $ 178,371.72 $ 19,819.08 $ 29,728.62 0 0 0 0 $ 1,179.92 $ 471.97 $ 707.95 $1,061.93 $ - $ - $ - $ - $ - $ - $ - $ - 0 0 0 0 $ 2,617.94 $ 1,047.18 $1,570.76 $2,356.15 $ - $ - $ - $ - $ - $ - $ - $ - 9 1 1 19 $ 623.83 $ 124.77 $ 499.06 $ 561.45 $ 3,992.51 $ 4,491.58 $ 499.06 $ 561.45 $ 47,910.14 $ 53,898.91 $ 5,988.77 $ 6,737.36 4 1 0 11 $ 1,553.41 $ 310.68 $1,242.73 $1,398.07 $ 7,456.37 $ 4,970.91 $ 1,242.73 $ - $ 89,476.42 $ 59,650.94 $ 14,912.74 $ - 7 9 0 23 $ 811.39 $ 162.28 $ 649.11 $ 730.25 $ 4,543.78 $ 4,543.78 $ 5,842.01 $ - $ 54,525.41 $ 54,525.41 $ 70,104.10 $ - 8 6 0 25 $ 1,938.75 $ 387.75 $1,551.00 $1,744.88 $ 17,061.00 $ 12,408.00 $ 9,306.00 $ - $ 204,732.00 $ 148,896.00 $ 111,672.00 $ - 414 108 22 819 $ 354,830.93 $ 509,172.61 $ 124,539.65 $ 25,878.97 $4,257,971.18 $6,110,071.27 $1,494,475.78 $ 310,547.63 0 78 17 95 $ 423.97 $ 169.59 $ 254.38 $ 381.57 $ - $ - $ 19,841.80 $ 6,486.74 $ - $ - $ 238,101.55 $ 77,840.89 0 0 0 0 $ 430.29 $ 172.12 $ 258.17 $ 387.26 $ - $ - $ - $ - $ - $ - $ - $ - 0 217 5 222 $ 406.02 $ 162.41 $ 243.61 $ 365.42 $ - $ - $ 52,863.80 $ 1,827.09 $ - $ - $ 634,365.65 $ 21,925.08 0 55 9 64 $ 345.42 $ 69.08 $ 276.34 $ 310.88 $ - $ - $ 15,198.48 $ 2,797.90 $ - $ - $ 182,381.76 $ 33,574.82 0 111 160 271 $ 413.37 $ 165.35 $ 248.02 $ 372.03 $ - $ - $ 27,530.44 $ 59,525.28 $ - $ - $ 330,365.30 $ 714,303.36 0 0 0 0 $ 402.01 $ 160.80 $ 241.21 $ 361.81 $ - $ - $ - $ - $ - $ - $ - $ - 0 461 191 652 $ - $ - $ 115,434.52 $ 70,637.01 $ - $ - $1,385,214.26 $ 847,644.16 275 414 569 213 1471 $ 354,830.93 $ 509,172.61 $ 239,974.17 $ 96,515.98 $4,257,971.18 $6,110,071.27 52,879,690.04 $ 1,158,191.78 1471 unfilled positions 18 & 8 $ 351,664.70 $ 151,499.90 life events $ 170,000.00 $ 40,000.00 $ 40,000.00 $ 90,000.00 $ - misc exp $ 12,500.00 $ 2,500.00 $ 2,500.00 $ 7,500.00 $15,091,588.89 $4,652,135.89 $6,304,071.18 $2,977,190.04 $ 1,158,191.78 $ 4,135,381.82 $ $ 4,135,381.82 Tl- O � W L L- m N �..• O C cn o Q O C Q LL. Q.Evo 0 a) Q F— L) O M N C31 CO CO it C L I� O� .-. rn E.2 L E O G ut .-. I� u, O a� ``0 W U a) a +p' J �� O W L. O (D .� _ w e >.m m O= 'ts Z m ai u -0 a� "-0� 2 LL Co— C 0 o=3 =L-5 E _ z O. _-3_ ~ C7 ri N W O =o p ,v .L L O= '"' U) N — .� C O 3 a� C L O �L'- HN o=ram? ,p LL=� N 'a�0 ZOO L a) � N a) O 4 d LL �, O w� +,, w E '� n C m 0 a) � g O� S p u W o U 2�,a 0 co N 61 aC1 O U Cl)Co a J t > ++ O Q a UO O Z Q Qo °� � � � Z LLI U 3 0— O W io s Z Z I O U Q �. CO > CU .i W L �O cn N -0 CO4 4- ;, 3 v p Z U O .I ra I N C W O ai ce .° U H� H co '0 3a)�cu > w 0 _ _LnMrn ;�.+ M ._ g a�i LLAJ cn C *' t: O O Y 4, IN O O t Z-0 m J'O'� 0 O V i = O Z v y N EN E W v Etp� --- W ) p m U Z d f 0 H aQ O — O (O 0% O E O u H u _E .3 W Qr = i t O CL 0 d WOm W = s' a) a � a� ¢ = �n } f° C a °" a� a) a O0 3 cn 0 E - a o a) a O _+ .� R OIL a s = v '-' o F- 4 a p coo ~ ro �� N o C ( .(N L O 3 u> _ �' '° = v U '-�.C� 0Ua- ►'�a LAs m O N O C_O a) C N O �= O L i c O ry V) 2 +_' C C F" A ~ U1 E A 3 N N i w rn++ >' V E d O f L_ O L U Q L t0 aJ (n U (, �` N 1-•r O W ro N O= 'B f0 LL '> ;L o ro — _ . U _ U to O i' m t a) F- Q M Cr) O F- — C7 r1 N 13 a >4 Mi Q Z cn Q Q co m U a LL (n W ++ �a) 1= � �0 rn V) ai M O a) E +� U 0-0 cn F-- Q GIC RATE FOR FISCAL YEAR 2023 07/01/2022-06/30/2023 CITY EMPLOYEES AND TEACHERS RATE SHEET EMPLOYEE'S COST FULL COST ANNUAL COSTS 20% HMO'S, PPO'S & POS'S, 400/a INDEMNITY 80% HMO,PPO'S & POTS 60% INDEMN 1000/0 BI-WEEKLY MONTHLY BI-WEEKLY MONTHLY MONTHLY EMPLOYEE CITY _ FALLON CaMMUNITY_HEALTH PLAN DIRECT CARE -HMO NO LONGER OFFERED BY GIC AS OF 7/1/22 F,ALLON COMMUNITY HEALTH PLAN SELECT CARE -HMO �J NO LONGER OFFERED BY GIC AS OF 7 1 22 HARVARD PILGRIM INDEPENDENCE PLAN-POS INDIVIDUAL $95.63 $207.21 $382.53 $828.82 $1,036.03 $2,486.47 $9,945.89 FAMILY $233.97 $506.93 $935.86 2,027.70 $2 534.63 $6,083.11 $24,332.45 HARVARD PILGRIM PRIMARY CHOICE -HMO INDIVIDUAL $68.93 $149.34 $275.71 $597.38 $746.72 $1,792.13 $7,168.51 FAMILY $176.27 $381.92 $705.08 $1,527.66 $1,909.58 $4,582.99 $18,331.97 HEALTH NEW ENGLAND-HMO INDIVIDUAL $61.82 $133.94 $247.28 $535.77 $669.71 $1,607.30 $6,429.22 FAMILY $147.89 $320.43 591.56 $1,281.70 $1,602.13 $3,845.11 $15,380.45 NAVIGATOR BY TUFTS HEALTH PLAN-POS INDIVIDUAL $82.26 $178.23 $329.04 $712.93 $891.16 $2,138.78 $8,555.14 FAMILY $201.52 $436.63 $806.09 $1,746.52 $2,183.15 $5,239.56 $20,958.24 TUFTS HEALTH PLAN SPIRIT -HMO -TYPE INDIVIDUAL $62.38 $135.15 $249.50 $540.58 $675.73 $1,621.75 $6,487.01 FAMILY $150.88 $326.91 $603.52 $1,307.63 $1,634.54 $3,922.90 $15,691.58 ALLWAYS HEALTH PARTNERS COMPLETE -HMO INDIVIDUAL $77.95 $168.89 $311.80 $675.58 $844.47 $2,026.73 $8,106.91 FAMILY $204.15 $442.33 816.61 $1,769.31 $2,211.64 $5,307.94 $21,231.74 UNICARE STATE INDEMNITY PLAN/BASIC WITH CIC (COMPREHENSIVE) $343.13 $743.45 $1,239.09 $5,947.63 $8,921.45 INDIVIDUAL $228.76 $495.64 FAMILY 508.18 1,101.06 $762.27 $1,651.59 $2,752.65 $13,212.72 $19,819.08 UNICARE STATE INDEMNITY PLAN/BASIC WITHOUT CIC (NON -COMPREHENSIVE) $326.75 $707.95 $1,179.92 $5,663.62 $8,495.42 INDIVIDUAL $217.83 $471.97 FAMILY 483.31 1 047.18 $724.97 $1,570.76 $2,617.94 $12,566.11 $18,849.17 UNICARE STATE INDEMNITY PLAN/COMMUNITY CHOICE-PPO TYPE $230.34 $499.06 $623.83 $1,497.19 $5,988.77 INDIVIDUAL $57.58 $124.77 FAMILY $143.39 $310.68 $573.57 $1,242.73 $1,553.41 $3,728.18 $14,912.74 UNICARE STATE INDEMNITYPLAN/ PLUS- PPO TYPE INDIVIDUAL 11 $74.90 $162.28 $299.59 $649.11 $811.39 $1,947.34 $7,789.34 FAMILY 178.96 $387.75 715.85 $1,551.00 $1,938.75 $4,653.00 $18,612.00 HMO'S , PPO'S & POS'S 80%-20% INDEMNITY 60%-40% CIC=Catastrophic Illness Coverage-CIC increases the benefits for most covered services to 100% subject to deductibles and co -payments. 3/24/2022 GIC RATE FOR FISCAL YEAR 2023 07/01/2022-06/30/2023 School Employees paid over a 30 month Pay Period non Teacher EMPLOYEE'S COST CITY COST FULL COST 20% HMO'S, PPO'S & POS'S, 401 o INDEMNI 80% HMO'S,PPO'S & POS'S 60% INDEMN 1000/0 �ANNUALCOSTS BI-WEEKLY MONTHLY BI-WEEKLY MONTHLY MONTHLY EMPLOYEE CITY _ AF LLON COMMUNITY HEALTH PLAN DIRECT CARE -HMO �J NO LONGER OFFERED BY GIC AS OF 7/1 22 FALLON COMMUNITY HEALTH PLAN SELECT CARE -HMO NO LONGER OFFERED BY GIC AS OF 7/1/22 _ HARVARD PILGRIM INDEPENDENCE PLAN-POS INDIVIDUAL $124.32 $207.21 $497.29 $828.82 $1,036.03 $2,486.47 $9,945.89 FAMILY $304.16 $506.93 __$1L216.62 $2,027.70 $2 534.63 $6,083.11 $24 332.45 HARVARD PILGRIM PRIMARY CHOICE -HMO INDIVIDUAL $89.61 $149.34 $358.43 $597.38 $746.72 $1,792.13 $7,168.51 FAMILY 229.15 $381.92 916.60 $1,527.66 $1,909.58 $4,582.99 $18,331.97 HEALTH NEW ENGLAND-HMO $80.37 $133.94 $321.46 $535.77 $669.71 $1,607.30 $6,429.22 INDIVIDUAL FAMILY $192.26 $320.43 $769.02 $1,281.70 $1 602.13 $3 845.11 $15 380.45 NAVIGATOR BY TUFTS HEALTH PLAN-POS INDIVIDUAL $106.94 $178.23 $427.76 $712.93 $891.16 $2,138.78 $8,555.14 FAMILY $261.98 $436.6 $11047.91 $1 746.52 $2,183.151 $5,239.56 $20 958.24 TUFTS HEALTH PLAN SPIRIT -HMO -TYPE INDIVIDUAL $81.09 $135.15 FAMILY $196.14 $326.9 $324.35 $540.58 $784.58 $1 307.63 $675.73 $1 634.54 $1,621.75 $6,487.01 $3 922.90 $15 691.58 ALLWAYS HEALTH PARTNERS COMPLETE -HMO (NHP PRIME) INDIVIDUAL $101.36 $168.93 $405.44 $675.74 $844.67 $2,027.21 $8,108.83 FAMILY $265.40 $442.33 $1 061.59 $1 769.31 $2 211.64 $5 307.94 $21,231.74 UNICARE STATE INDEMNITY PLAN/BASIC WITH CIC (COMPREHENSIVE) $446.07 $743.45 $1,239.09 $5,947.63 $8,921.45 INDIVIDUAL $297.38 $495.64 FAMILY $660.64 $1,101.0611 $990.95 $1,651.59 2,752.65 $13,212.72 $19,819.08 UNICARE STATE INDEMNITY PLAN/BASIC WITHOUT CIC (NON -COMPREHENSIVE) INDIVIDUAL $283.18 $471.917 $424.77 $707.95 $1,179.92 $5,663.62 $8,495.42 FAMILY 628.31 1 047.18 942.46 $1,570.76 $2,617.94 $12,566.11 $18,849.17 UNICARE STATE INDEMNITY PLAN/COMMUNITY CHOICE-PPO TYPE $299.44 $499.06 $623.83 $1,497.19 $5,988.77 INDIVIDUAL $74.86 $124.77 FAMILY I $186.41 $310.68 $745.64 ,242.73 $1,55341 $3,728.18 $14,912.74 UNICARE STATE INDEMNITYPLAN/PLUS- PPO TYPE $389.47 $649.11 $811.39 $1,947.34 $7,789.34 INDIVIDUAL $97.37 $162.28 FAMILY $232.65 $387.75 $930.60 $1 551.00 $1,938.75 $4 653.00 $18,612.00 HMO'S , PPO'S & POS'S 80%-20% INDEMNITY 60%-40% CIC=Catastrophic Illness Coverage-CIC increases the benefits for most covered services to 100% subject to deductibles and co -payments. :112412022