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Home My Public Portal About10-8112 Coventry Health Care Sponsored by: City Manager RESOLUTION NO. 10-8112 A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF OPA-LOCKA, FLORIDA, TO AUTHORIZE THE CITY MANAGER TO SELECT COVENTRY HEALTH CARE OF FLORIDA AS THE CITY'S HEALTH, DENTAL & VISION INSURANCE CARRIER FOR THE PLAN YEAR BEGINNING OCTOBER 1,2010 THROUGH SEPTEMBER 30, 2011. WHEREAS, the City desires to adopt a health insurance plan for the upcoming fiscal year; and WHEREAS, Citrin Financial Insurance, Inc., ("Citrin") is the insurance Agent of Record for the City of Opa-locka ("City"); and WHEREAS, Citrin, on behalf of the City of Opa-locka, has received annual group health plan comparisons and rate proposals for the City's upcoming plan coverage year beginning October 1, 2010 through September 30, 2011; and WHEREAS, after reviewing the group health plan comparisons and rate proposals received from the various providers, the City Manager recommends selecting Coventry Health Care of Florida as the health, dental & vision insurance carrier for the up coming plan coverage year beginning October 1, 2010 through September 30, 2011; and NOW, THEREFORE, BE IT DULY RESOLVED BY THE CITY COMMISSION OF THE CITY OF OPA-LOCKA, FLORIDA: Section 1. The recitals to the preamble herein are incorporated by reference. Resolution No. 10-8112 Section 2. The City Commission of the City of Opa-locka hereby authorizes the City Manager to select Coventry Health Care of Florida as the health, dental & vision insurance carrier for the City for the plan coverage year beginning October 1, 2010 through September 30, 2011. Section 3. This resolution shall take effect immediately upon adoption. PASSED AND ADOPTED this 8th day of September, 2010 KELLY M OR Attest: Approved as to form and le 11 sufficiency: t ! j 11 Deborah . _ • Jo ph eller City Clerk City Ai orney l Moved by: JOHNSON Seconded by: HOLMES Commissioner Vote: 5-0 Commissioner Holmes: YES Commissioner Johnson: YES Commissioner Tydus: YES Vice-Mayor Taylor: YES Mayor Kelley: YES oQP-LOCK4 04 <p, a 9 G p V 'I Memorandum TO: Mayor Joseph L. Kelley Vice Mayor Myra L. Taylor Commissioner I imothy Holmes Commissioner lorothy Johnson C issioner "ose Tydus FROM: arance gters ity an DATE: August 26, 2010 RE: Proposed Health,Dental and Vision Carrier for Fiscal Year 2010/2011 Request: APPROVAL OF RESOLUTION AUTHORIZING THE CITY MANAGER TO SELECT COVENTRY HEALTH CARE OF FLORIDA (FOMERLY VISTA)AS THE CARRIER FOR THE CITY OF OPA-LOCKA HEALTH, DENTAL AND VISION GROUP PLAN FOR THE BENEFIT YEAR BEGINNING OCTOBER 1,2010 THROUGH SEPTEMBER 30,2011. Description: Staff has worked with the City's Agent of Records, Citrin Financial and Insurance, Inc. to assess the existing group policies and come up with the plan summaries and proposed employee benefits rates. As part of the review process, staff has requested that the benefit year be aligned with the City's Fiscal Year, with coverage beginning on October 1, 2010—September 30, 2011. A resolution of the City Commission of the City of Opa-Locka, Florida authorizes the City Manager into an agreement with Coventry Health Care of Florida for the medical, dental and vision group plans. With the change in the benefit year and the proposed plans, it is anticipated that savings of approximately $42,415.00 will be generated. Financial Impact: $1,012,500.00. Benefits are paid for employees by the respective departments. Please see the attached list for account information. Implementation Time Line: October 1, 2010—September 30, 2011 Legislative History: Resolution 09-7955 Recommendation(s): Staff Recommends Approval Analysis: Expenditures for employee benefits will begin and end in accordance to the fiscal year, minimizing any overlap with expenses for benefits. Staff's request is for approval of the 2010/2011 Employee Benefits Proposed Rates with a new carrier, Coventry Health Care of Florida for the medical, dental and vision plan. The City will continue to provide 100%coverage for employees and share 50% of the cost for dependent/family coverage for the HMO Medical and DHMO Dental Plan. The Vision Plan is included with medical coverage. Attachments: Letter from Citrin Financial Services Resolution 09-7955 Employer/Employee Contributions Prepared by: Guithele M. Ruiz-Nicolas End of Memorandum 2 EMPLOYEE BENEFITS ACCOUNT NUMBERS City Manager 12-512230 City Clerk 16-512230 Finance Department 17-513230 Utility Billing 61-513230 Human Resources 13-513230 IT 14-512230 Community Dev 37-515230 Code Enforcement 23-521230 Building & Licenses 30-524230 Parks & Recreation 72-572230 Police (CID) 20-521230 Police (Admin) 36-521230 Police (Chief) 26-521230 Police (Patrol) 22-521230 Police (Special Operations) 27-521230 DJJ 68-529230 Crime Prevention 74-529230 Public Works (Admin) 32-541230 Public Works (Bldg Mtce) 39-541230 Public Works (Veh Mtce) 49-541230 Public Works (Roads) 41-541230 Water Services 64-533230 Meter Readers 63-533230 Sewer Services 35-535230 Stormwater Services 43-538230 Sponsored by: City Manager RESOLUTION NO. 09 7 9 5 5 A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF OPA-LOCKA, FLORIDA, AUTHORIZING THE CITY MANAGER TO SELECT AVMED AS THE CITY'S HEALTH INSURANCE CARRIER AND METLIFE AS THE CITY'S DENTAL INSURANCE CARRIER FOR THE PLAN YEAR BEGINNING NOVEMBER 1, 2009 THROUGH OCTOBER 31,2010. WHEREAS,the City Commission of the City of Opa-locka("City Commission")adopted Resolution 05-6780, appointing Citrin Financial Insurance, Inc., ("Citrin") as the Agent of Record for the City of Opa-locka("City"); and WHEREAS,Citric,on behalf of the City's Human Resources and Finance Department,has received annual group health plan comparisons and rate proposals for the City's upcoming plan coverage year beginning November 1, 2009 through October 31, 2010; and WHEREAS,after reviewing the group health plan comparisons and rate proposals received from the various providers,the City Manager recommends selecting AvMed as the health insurance carrier and MetLife as the dental insurance carrier for the upcoming plan coverage year beginning November 1, 2009 through October 31, 2010; and WHEREAS, the City Commission desires to select a health insurance carrier and dental insurance carrier for the City for the plan year beginning November 1, 2009 through October 31, 2010. NOW,THEREFORE,BE IT DULY RESOLVED BY THE CITY COMMISSION OF THE CITY OF OPA-LOCKA,FLORIDA: Section 1. The recitals to the preamble herein are incorporated by reference. Resolution No. 0 9-7 9 5 5 Section 2. The City Commission of the City of Opa-locka hereby authorizes the City Manager to select AvMed as the health insurance carrier for the City and MetLife as the dental insurance carrier for the City for the plan year beginning November I, 2009 through October 31, 2010. Section 3. This resolution shall take effect immediately upon adoption. PASSED AND ADOPTED this 28 day of OCTOBER , 2009. � f OS l P L. LLEY I. YO ' Attest: Approved as toifo(rm,and legal su'ficiency: tF �. f Deborah S.frty _ Burnadette Norris-Weeks City Clerk City Attorney Moved by: JOHNSON Seconded by: TAYLOR Commission Vote: _ 5-0 Commissioner Holmes: YES Commissioner Johnson: YES Commissioner Tydus: YES Vice-Mayor Taylor: YES Mayor Kelley: YES Citrin Financial & Insurance, Inc. Insurance & Pensions CHARLES A. CITRIN E-z+rCs,L citnclesrutr rtriutinanclul care August 17, 2010 VIA E-MAIL and REGULAR US Mail C3uithele Ruiz-Nicolas I luman Resources Director City of Opa-locka City ilall 780 Fisherman Street 4't` Floor Opa-locka. Ft. 33054 RE: CITY OF OPA-LOCKA EMPLOYEE BENEFITS RENEWAL PROPOSAL Effective Date: October 1,2010 Dear Guithele: We have had a number of productive meetings and discussions with you and your staff concerning the renewal quotes for the medical and dental group insurance and the vision insurance quotes for the City ofOpa-locka. At these meetings you advised us of the criteria and needs of the City for the renewal of the employees' benefits plan. Based on these discussions, the criteria and the C'itv`s need to lower the cost of the insurance premiums due to budgetary restraints, Citrin Financial & insurance. Inc. supports the recommendation of the stall' in choosing Coventry I lealth Care for medical. dental and vision group insurance within the C'ite's employee benefit plan. A summary of the process followed is outlined below: Citrin Financial & Insurance. Inc. solicited quotes from the fallowing seven (7) companies: a) AvMcd b) Ilumana c) UnitedHealthcare d) Coventry e) Aetna 1) Cigna g) Blue Cross/Blue Shield 300 7 Isi Street, Suite 300, Miami Beach, Florida 33141 3075 Tel. 305.861.0999 Ext. 305 Fax. 305.861 0032 Registered Representative 01 The 0..N.Equal.Su1cn Crnrrparn.Member FM:UMW•Ow/Thant cal Itip,Cincinnati.011 45242 451 3)711445794 (iuithele Ruiz-Nicolas I iuman Resources Director City of Opa-locka August 17, 2010 Page 'Iwo 2. The carriers we received quotes from are as follows: a) AvMed b) Humana c) 1 nitedHealthcare/Neighborhood Health d) Coventry e) Cigna Blue Cross/Blue Shield and Aetna refused to quote. Cigna's rates were not competitive. 3. The plans selected by the Human Resources Department for review (see the attached spreadsheet)were from the following carriers: a) AvMed h) Utiltedllealthcare/Neighborhood Health c) Humana d) Coventry Health Insurance 4. The present health insurance carrier is AvMed. We received renewal quotes from AvMed for the current plan with a rate increase of 12.76% for the HMO plan, and a 14.23% increase for the PPO Choice Plan. The employee HMO rate would he $472.69. This amount does not include dental coverage. AvMed also offered an alternative HMO plan that had a lower premium cost but included higher deductibles, co- pays and out-of-pocket maximums for the employees. AvMed also offered two (2) PPO Choice alternatives that increased the premiums between seven (7%) and ten (10%) percent and also increased the deductibles and co-insurance rates for outpatient surgery and diagnostic testing. ti. The Coventry I IMO plan has benefits very comparable to the present AvMed HMO plan, with deductibles that are actually lower than AvMed's and with an out-of-pocket that was higher than AvMed's. The prescription drug co-pays are lower with Coventry than the current AvMed plan. A salient point to the Coventry plan is that the quoted premiums include both dental and vision care. The employee l-1M(.) rate is $401.61. A complete summary of the four(4) companies is included as an attachment to this e-mail. Guithefe Ruiz-Nicolas Human Resources Director City of Opa-locka August 17. 2010 Page "Three 6. Humana submitted quotes for an HMO plan that is similar to the current AvMed HMO plan and premium cost but, the deductibles and co-pays were higher than the present plan. Also, there was no maximum for out-of-pocket costs. In addition. Humana submitted quotes for their National POS co-pay plan that included higher co- insurance amounts and a fifteen (15%) percent increase in premiums from the current AvMed PP() plan. 7. United/Neighborhood I lealth Plan submitted quotes for an LIMO plan with higher co-pays and out-of-pocket maximums. Dental Insurance K. t: oventry is offering an upgraded DHMO plan along with the medical insurance at a lower combined premium cost than the City's current group medical and dental insurance combination of AvMed and MetLife. There is no deductible or Annual Maximum for the Coventry DHMO as there is for all of the other plans listed. Coventry is also offering a Dental PPO plan. Please see the second attached document with a comparison of all the Dental quotes that we received from the following companies: Met!.ife, Coventry, l.tnitedllealthcare. Cigna. Humana and Ameritas. We are sorry that we will be unable to be with you at the September 8`" Regular Commission Meeting as we will be observing a religious holiday. We hope that this has been of assistance. Please call with any questions. Very truly yours, • •"'-0C 4...4./C■1 tt.6e, CHARLES A. CITRIN President CAC:cmd enclosures cc: Cassandra Joseph, Human Resources Specialist II (cjoscphtq opalockafl.eov) Clarance Patterson. City Manager(city manager@opal«ckafl.uov) Deborah B. Citrin tdeborah( citrintinancial.eom) cnuut t 1padocka WI 05 4( PM C ,....." a a a < 0 , 4.,, „ „ M ''.■ tt ,,73 ' 6 „E . 0 I z 0 0 __ C f... 0 Le i VI 0 C Z 0 0..■ ■-r. CO — — — --- . 0 , . X 1.; 0 — , IC 0 c, 24 c,10 ess 1.14...' I- ' 0 7,a 41..: e.,,•,.. ti5 ....'. .E.; 9 u c., 01 _ — ta Y., > 0 - a. e ` 6, ,"-i ,`: .2 .r..4• :,12 4.* '2' b I'l 2 . g,, 1.-- ,:, 8 i' ;,) v, :.. - t , t 43 2 § ;■,.; 8 0. :-:.gl / ,..-- Ti _SR . 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