HomeMy Public PortalAbout12-8454 United Neighborhood Health Plan Sponsored by: City Manager
RESOLUTION NO. 12-8454
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF
OPA-LOCKA, FLORIDA AUTHORIZING THE CITY MANAGER
TO SELECT UNITED NEIGHBORHOOD HEALTH PLAN AS THE
PROVIDER FOR THE CITY OF OPA-LOCKA HEALTH PLAN AND
SOLSTICE BENEFITS,INC.AS THE PROVIDER FOR THE CITY
OF OPA-LOCKA'S DENTAL AND VISION GROUP PLANS, FOR
THE BENEFIT YEAR BEGINNING OCTOBER 1,2012,EXPIRING
SEPTEMBER 30, 2013; PROVIDING FOR INCORPORATION OF
RECITALS; PROVIDING FOR AN EFFECTIVE DATE.
WHEREAS, the City of Opa-locka desires to select the health, vision and dental plan for
employees for the upcoming fiscal year 2012-2013; and
WHEREAS,the City Manager has determined United Neighborhood Health Plan is the best
option for City employees for medical plan,and Solstice Benefits,Inc. as best option for dental and
vision plan for the up-coming benefit year beginning October 1,2012 through September 30,2013.
WHEREAS,the City will pay 100%coverage for employee medical and dental coverage for
employees, and 50%of the cost for dependant coverage for EVC(in network)and DMHO(dental)
plans, Employees will be responsible for 100% of vision coverage; and
WHEREAS, the City Commission of the City of Opa-locka, approves selecting the City
health,dental and vision plan to be awarded to United Neighborhood Plan and Solstice Benefits Inc.
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. 12-8454
Section 2. The City Commission of the City of Opa-locka hereby authorizes the City
Manager to enter into an agreement with the United Neighborhood Health Plan for the medical plan,
and Solstice Benefits Inc. for the dental and vision plan for the benefit year beginning October 1,
2012 through September 30, 2013.
Section 3. This resolution shall take effect immediately upon adoption_
PASSED AND ADOPTED this 19th day of September, 2012.
YRA YLOR
MAYOR
Attest to: Approved as to form and legal sufficiency:
• J
Ail A L.�Y,i■
i t anna Flores Jo•eph f 7 eller
terim City Clerk 1 y Attorney
Moved by: COMMISSIONER TYDUS
Seconded by: COMMISSIONER MILLER
Commission Vote: 4-0
Commissioner Holmes: YES
Commissioner Miller: YES
Commissioner Tydus: YES
Vice-Mayor Johnson: NOT PRESENT
Mayor Taylor: YES
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City of Opa-Locka
Agenda Cover Memo _
Commission Meeting Item Type: Resolution Ordinance Other
Date: 09-19-2012 xx
(EnterX in box)
Fiscal Impact: Ordinance Reading: 1st Reading 2nd Reading
(Enter X in box) Yes No (Enter X in box)
Public Hearing: Yes ; No I Yes I No
xx i (EnterX in box)
Funding Source: (Enter Fund&Dept) Advertising Requirement: Yes No
(Enter Acct No.) Ex: General Fund- (EnterXin box)
Police xx
Contract/P.O.Required: Yes No RFP/RFQ/Bid#:
(EnterXin box) xx 1 N/A
Strategic Plan Related Yes No Strategic Plan Priority Area: I Strategic Plan Obj./Strategy: (list the
(Enter X in box) XXX specific objective/strategy this item will address)
Enhance Organizational 0
Bus.&Economic Dev 0
Public Safety 0
Quality of Education 0
Qual.of Life&City Image I—I
Communcation 0
Sponsor Name Department:
Kelvin L.Baker 1 City Manager
1 Short Title:
Resolution for Renewal of Health, Dental and Vision insurance.
Staff Summary:
This recommendation is based on staffs' analysis of the proposed services, providers, and costs. Additionally, the
Human Resources Department obtained a survey of employees' main concerns and discovered that they consisted
mostly of high deductibles and co-insurance payments. The issues have been resolved by obtaining a richer plan from
United Neighborhood Health Plan at an increased premium.
Proposed Action:
Staff is requesting for approval of the 2012/2013 Employee Benefits Proposed Rates with our current provider, United
Neighborhood Health Plan and Solstice Benefits Inc for the medical, dental, and vision plans. The City will pay 100%
coverage for employee medical and dental coverage for employees and 50% of the cost for dependant coverage for EVC
(in-network) and DMHO (dental) plans. Employees are responsible for 100% of their vision coverage cost equating to
$5.75 per employee.
Attachment:
Employee/Employer Cost Benefit Report(Health, Dental)–Citrin Financial and Insurance, Inc.
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Memorandum
TO: Mayor Myra L. Taylor
Vice-Mayor Dorothy Johnson
Commissioner Timothy Holmes
Commissioner Gail Miller
Commissioner ' : e Tydus
FROM: Kelvin L. Bake 4
DATE: August 10, 2011
RE: Proposed Health, Dental, and Vision Carrier for Fiscal Year 2012/2013.
Request: A RESOLUTION OF THE CITY OF OPA-LOCKA, FLORIDA AUTHORIZING
THE CITY MANAGER TO SELECT UNITED NEIGHBORHOOD HEALTH
PLAN AS THE PROVIDER FOR THE CITY OF OPA-LOCKA HEALTH
PLAN AND SOLSTICE AS THE PROVIDER FOR THE CITY OF OPA-
LOCKA'S DENTAL AND VISION GROUP PLANS FOR THE BENEFIT YEAR
BEGINNING OCTOBER 1, 2012 EXPIRING SEPTEMBER 30, 2013.
Description: The Human Resources Department has worked diligently with the City's Agent of
Records, Citrin Financial and insurance, Inc. to assess the existing group insurance
policies and proposed employee benefit rates. A resolution of the City Commission of
Opa-locka, Florida authorizes the City Manager to enter into an agreement with United
Neighborhood Health Plan, and Solstice Benefits Inc. for the medical, dental, and vision
group plans.
Financial Impact: This item is budgeted and displays a 26% increase over the previous year's cost, which
includes subsidizing the premium increase to the employees for family coverage.
Implementation Timeline: October 1,2012- September 30,2013
Legislative History: Resolution NO. 10-8112, Resolution NO. 11-
Recommendation(s): This approval is based on staffs' analysis of the proposed services, providers, and costs.
Additionally, the Human Resources Department obtained a survey of employees' main concerns and discovered
that they consisted mostly of high deductibles and co-insurance payments. The issues have been resolved by
obtaining a richer plan from United Neighborhood Health Plan at an increased premium.
Analysis: Staff is requesting for approval of the 2012/2013 Employee Benefits Proposed Rates with our current
provider, United Neighborhood Health Plan and Solstice Benefits Inc for the medical, dental, and vision plans.
The City will pay 100% coverage for employee medical and dental coverage for employees and 50% of the cost
for dependant coverage for EVC (in-network) and DMHO (dental) plans. Employees are responsible for 100%
of their vision coverage cost equating to $5.75 per employee.
Attachments: Employee/Employer Cost Benefit Report (Health, Dental) — Citrin Financial and
Insurance,Inc.
PREPARED BY: Shirley Freeman, Human Resources Director
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BENEFIT REPORT SOLTICE(8-2011)
CITY COST-
TIER SOLTICE
EC-HMO $18.94
EC- HMO $18.94
EC- HMO $18.94
EC- HMO $18.94
EC- HMO $18.94
EC-HMO $18.94
EC-HMO $18.94
EC-HMO $18.94
EC-HMO $18.94
EC-HMO $18.94
EC-HMO $18.94
EC-HMO $18.94
EC-PPO $11.55
EC- PPO $11.55
EC- PPO $11.55
EC- PPO $11.55
EC- PPO $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE ' $11.55
EE $11.55
EE t11 55
BENEFIT REPORT SOLTICE(8-2011)
CITY COST-
' TIER SOLTICE
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE $11.55
EE- PPO $11.55
EE- PPO $11.55
EE- PPO •$11.55
EE- PPO $11.55
EE- PPO $11.55
EE-PPO $11.55
EE-PPO $11.55
EE -PPO 111.55
BENEFIT REPORT SOLTICE(8-2011)
CITY COST-
TIER SOLTICE
EE- PPO $11.55
ES -HMO $16.47
ES-HMO $16.47
ES- HMO $16.47
ES-HMO $16.47
ES-HMO $16.47
ES-HMO $16.47
ES-HMO $16.47
ES - HMO $16.47
ES - HMO $16.47
ES -HMO $16.47
ES-HMO $16.47
ES-HMO $16.47
ES-HMO $16.47
ES-HMO $16.47
ES- PPO $11.55
ES - PPO $11.55
ES- PPO $11.55
ES - PPO $11.55
FAM- HMO $22.63
FAM-HMO $22.63
FAM-HMO $22.63
FAM-HMO $22.63
FAM- HMO $22.63
FAM- HMO $22.63
FAM- HMO $22.63
FAM-HMO $22.63
FAM-HMO $22.63
FAM-HMO $22.63
FAM-HMO $22.63
FAM- HMO $22.63
FAM - HMO $22.63
FAM -HMO $22.63
FAM-HMO $22.63
FAM-HMO $22.63
FAM-HMO $22.63
FAM- PPO $11.55
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
NONE $0.00
EE $11.55
EE $11.55
EE $11.55
EE $11.55
FAM $22.63
$2,251.14
PER MONTH TOTAL $2,251.14
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MEMORANDUM
To: Kelvin L. Baker, City Manager
•
From: Shirley B. Freeman, Human Resources Director
Date: September 18, 2012
Subj: Insurance Renewal Recommendation 2012-13
The Human Resources Department and the Agent of Record, Citrin Financial and Insurance, Inc.
respectfully submit the following recommendation for your approval and submission to the
Commission. The recommendation is based on the criteria you have set.
We have reviewed the quotes received from NHP, Aetna, Blue Cross, Blue Shield and Human
and find that the best option for the City is to renew with NHP but for a richer plan. We also
looked into the possibility of joining a Co-op through the Florida League of Cities. The plan we
are proposing addresses the issues of high deductibles and coinsurance raised by many of our
employees. The new plan will eliminate co-insurance, reduce the cost for office visits and
reduce the co-pays for emergency room services. In addition NHP Has committed to providing
$10,000 towards a wellness program for employees.
The plan we are proposing will increase our annual fees to approximately $1,208,349 as
compared to a renewal rate increase of 9%, lowered from the original offer of 16.5% after
negotiations by our Agent. with the previous plan which amounts to $985,024.00. An additional
annual expense for subsidizing the employee deduction increase is included in the total. The
increase amounts to an additional $223,325 annually.
In addition, we are recommending that we maintain our current dental insurance with Solstice
and include the vision plan through Solstice.
A breakdown of quotes has been provided by Citrin Financial along with a spreadsheet of the
increase in employee deductions and annual premium. We have also attached the agenda item
for the Special Meeting on Wednesday, September 19, 2012.
END OF MEMORANDUM
c: Kierra Ward, HR Specialist II
Kathy Phillips, Executive Secretary
•
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City of Opa-Locka Medical Proposed Rates
tY p a- O and Alternate Plans
JnitedHealthcare
ledical Proposed Rates with Alternate Plan Designs
Customer Name: City of Opa-Locka
Medical Policy: B20214
Renewal Date: October 1,2012
The numbers below are on an illustrative basis. Rates are subject to Underwriting approval.
.. . - ._
Option 1.Current NEW Option 2:Current ` Option 3 Option NEW
' _ DVD-P(NHP
EV3-P(NHP$251$500180%OA)Rx • DVN-P,(NHP$25/$45!$1,000/70% EVC-P(NHP 515/52515250 OA)Rx $151$251$250x51$500150%OA)Rx .:
Plan: AK / NHP RX OA)Rx Plan: AK / NHP RX Plan: AK I NHP RX • plan: AK/ NHP RX
Ian Name
roduct Choice*HMO Choice Plus*HMO Choice*HMO i Choice Plus*HMO
EV3
1 tion EV3 DVN
p DVN
San Offering Dual Option Dual Option Dual Option Dual Option
lultiple Option with. Option(s)DVN-P Option(s)EV3-P Option(s)DVN-P Option(s)EV3-P
IRA or HSA No No No No '
1
lenefits* ..a ., - .. to » Avi.> a
)ffice Copay(PCP/SPC) • Access$25/45(Prey 100%)Per Visit Access$25145(Prey 100%)Per Visit Access$15/25(Prey 100%)Per Visit Access$15/25(Prey 100%)Per Visit
)ther Copays(IP/ER/UC) I $2501occ/$200/$50 N/A/N/A/$50 $2501day x 51$100/$50 $250/day x 5/5100/$50
)ther N/A ' N/A N/A N/A
)eductible
$500(1,000 $1,004/2,000 N/A NIA
;oinsurance 1,50013,000
80% 80% 100% 100`/0
)ut-of-Pocket $3,000/member $3,000/member $1,50013,000 $
•
'harmacy $10/35/50/20% $10/35/50/20% 510/35/50/20% $10/35/50
!20%
"&5 5;..,�°"x q . .f .i 'a , a ..' .r.`; `�s. d !!,1:12.2:,'...'7m,,..,743.,....,... 44.-fir,i S k' .a r3 .=
�"�`"`°�4`°' _ N/A $50011,000
)eductible • I N/A $3,000/6,000 •
N/A 70% N/A 50%
;oinsurance $3 000/6 000
)ut of Pocket N/A $12,000/24,000 N/A i
Enrollment �._ 106 2
Employee 106 2
• 19 0
Employee+Spouse 19 % 0 0 Employee+Child(ren) 16 0 16
2 14. 2
Employee+Family 14 4
Total 4 155 155 he. ,
x
; z s ,v-' � -
Rates !,^;: 4 a . ., a i t s .. aFr •' -'
N:7;,.,;
Employee $332.67 $362.61 $347.80 $379.10 1., $439.20 $473.09
Employee+Spouse $665.35 $725.23 $695.61 $758.21 1 $878.41 $946.19
Employee+Child(ren) $632.07 $688.96 $660.83 $720.30 $834.48 ,. $898.87
Employee+Family $1,031.28 $1,124.09 § $1,078.19 $1,175.22 $1,361.52 i• $1,466.58 ll
Monthly Cost $72,456 $78,977 $2,852 $3,109 $95,658 $3,879
Annual Cost $869,469 $947,720 $34,224 $37,304 $1,147,895 t
$46,552
Change from Current 9.0% 9.0% 32.0% .:.c 36.0% �:•» _ ,•..
*High level benefit summary.Please see your plan summary for more detailed benefit description.
The numbers above are on an illustrative basis. Rates are subject to Underwriting approval.
For mo:rkets moving to service fees,current rates(applicable for renewals only)include commission expenses. Proposed rates,for your convenience,include any applicable
producer service fees. Producer service fees are not a contingency of obtaining insurance coverage but are fees agreed to between you(client)and your producer/service
provider for service rendered on behalf of client.
For markets continuing to pay commissions,both the current(applicable for renewals only)and proposed rates include commissions.
Page 1 aft 9/12:2012 3:31 PM
Sponsored by: City Manager
Resolution No. 1 1 —8 2 6 9
A RESOLUTION OF THE CITY OF OPA-LOCKA, FLORIDA
AUTHORIZING THE CITY MANAGER TO SELECT UNITED
NEIGHBORHOOD HEALTH PLAN AS THE PROVIDER FOR THE
CITY OF OPA-LOCKA HEALTH AND VISION PLANS, AND
SOLSTICE BENEFITS,INC. AS THE PROVIDER FOR THE CITY
OF OPA-LOCKA'S DENTAL GROUP PLANS,FOR THE BENEFIT
YEAR BEGINNING OCTOBER 1, 2011, EXPIRING SEPTEMBER
30, 2012; PROVIDING FOR INCORPORATION OF RECITALS;
PROVIDING FOR AN EFFECTIVE DATE.
WHEREAS,the City of Opa-locka desires a health,vision and dental plan for employees the
upcoming fiscal year 2011-2012; and
WHEREAS,the Human Resource Department has worked with Citrin Financial Insurance,
Inc., on behalf of the City of Opa-locka, to assess the existing group insurance policies and
employees benefit rates; and
WHEREAS,based on analysis of the proposed services,the group health plan comparisons
and costs, the City Manager recommends United Neighborhood Health Plan as the best option for
City employees for medical and vision plans,and Solstice Benefits,Inc.as best option for dental plan
for the up-coming benefit year beginning October 1, 2011 through September 30, 2012.
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.
Section 2. The City Commission of the City of Opa-locka hereby authorizes the City
•
Resolution No 1 1-82 6 9
Manager to enter into an agreement with the United Neighborhood Health Plan for the medical and
vision plan, and Solstice Benefits Inc. for the dental plan for the benefit year beginning October 1,
2011 through September 30, 2012.
Section 3. This resolution shall take effect immediately upon adoption_
PASSED AND ADOPTED this 1 day of SEPTEMBER , 2011.
RA T! LOR
MAYOR
Attest to: Approved as • form -- d legal suf, c'ency:
,e5%'2-)e i 11
Deborah S. Irby Jo'e` `r e'er
City Clerk r At i rney
Moved by: MILLER
Seconded by: JOHNSON
Commission Vote: 3-1
Commissioner Holmes: NOT PRESENT
Commissioner Miller: YES
Commissioner Tydus: NO
Vice-Mayor Johnson: YES
Mayor Taylor: YES
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