Benefits and Wellness Committee September 15, 2015

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Milo Hubbard
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1 Benefits and Wellness Committee September 15,

2 Benefits Committee Our Focus 2

3 Benefits Committee Our Goal for the Benefits Committee Goals will be to help assure current insurance benefits are appropriately structured and financed to support institutional needs, including recruiting and retaining faculty and staff. And to control claims and not have employee premium increase for !!! 3

4 Benefits Committee January - July 2015 Health Plan Performance FBISD Contributions $23,240,592 Employee Contributions $12,847,810 Total Revenue for Health Plan $36,088,402 Plan Expenses Fixed Cost Administration Fees $2,358,150 Stop Loss - $450,000 $876,273 Affordable Care Act Fees $287,144 Total Fixed Cost $3,521,567 YTD Claims $28,322,402 Total Expenses $31,843,969 YTD Surplus $4,244,433 4

5 Benefits Committee Medical Plan Financials Year to Date While still early in the plan year, January through July total claims have realized a slight increase of +0.7% on a per member per month basis over calendar year 2014 Medical claims decreased slightly by -0.1% while pharmacy costs increased by 3.8% Of the top 15 high cost claimants, 8 are cancers, and 2 were liveborns (babies born either prematurely or with complications). Total paid for the top 15 was $4.2M (14% of total spend YTD). None have exceeded the $450K stop loss. The average gross plan cost per employee is $11,413 for the first 7 months of 2015; the MHBT book of business norm is $10, % of medical claims have been paid at an In-Network provider resulting in an average 54.4% discount level (equates to $ per member per month in savings) 5

6 Benefits Committee Wellness Updates

7 2015 Tasks for 2016 Plan Year Biometric Screening Biometric Screening and Health Assessment Current employees: Have physician form or lab voucher completed by 10/30/15 and Take online Health Assessment by 10/30/15 using your screening results New employees: Complete requirements within 60 days of insurance enrollment Have physician form or lab voucher completed, and Take online Health Assessment using you screening results Compliance required. Otherwise, employee will be assessed a $20 surcharge per employee and/or spouse per paycheck in 2016 and thereafter 7

8 Wellness Initiatives Employee Open Swim Program Participation has averaged 14 people a day Mondays, Wednesdays and Fridays 4:30 to 7:30PM Employee Flu Shots Onsite flu shots for employees and dependents No cost for those employees covered under FBISD medical insurance $25.99 self pay option for those not covered under FBISD medical insurance Employee Survey Gage employee interest in fitness and cycling programs Will use to plan upcoming wellness programs catered to employees interests Survey will be released by Friday, 9/18. 8

Wellness Initiatives Marathon in a Month Sponsored by Million Mile Month Participants log physical activities during the month of October, which are then converted to miles Choice of doing a marathon

9 Wellness Initiatives Marathon in a Month Sponsored by Million Mile Month Participants log physical activities during the month of October, which are then converted to miles Choice of doing a marathon (26.1 miles) or Ultra Marathon (50 miles) Small fee of $5 to participate Drawings and prize giveaways for participants Registration opens mid-september Health Awareness Day Wednesday, November 11 4:30 to 6:30 PM Wheeler Field House Will need volunteers to help with set-up, break-down, giveaways, refreshment table, check-in (will send link to sign up to volunteer) Benefits and Wellness Champion Shirts 9

10 Benefits Committee 2016 Benefits Open Enrollment

11 2016 Open Enrollment starts October 26, 2015 through Midnight November 11, There will NOT be any changes to the following benefits: Benefit 2016 Open Enrollment Carrier Medical and FSA Dental Short Term Disability Long Term Disability Basic Life / AD&D Voluntary Life and AD&D* UnitedHealthcare Guardian Lincoln Financial Lincoln Financial Lincoln Financial Lincoln Financial *Employees may see a change in their deduction amount if they fall into a higher age band as of 1/1/

12 2016 Open Enrollment *New Kelsey Plan Option for 2016 Kelsey Charter In-Network ONLY Individual Deductible $750 Family Deductible $1,500 Coinsurance Paid by the Plan 80% Individual Maximum Out of Pocket $3,750 Family Maximum Out of Pocket $7,500 Primary Office Visit Specialist Office Visit Employee Only Employee + Spouse Employee + Children Employee + Family Monthly Rates by Plan $25 Copay $35 Copay $ $ $ $ *Primary Care Physician selection required

13 2016 Open Enrollment Legal Protection New Plan Option for 2016 What s New: Addition of ID Shield which includes identify theft recovery, privacy and security monitoring and consultative services. Also, deductions are separated for Individual and Family Coverage. Payroll Deduction (monthly) Individual Family LegalShield $7.48 $7.98 IDShield $4.23 $7.98 Combined $11.70 $

14 2016 Open Enrollment *VSP (Vision) Plan Rate Change for 2016 Coverage Levels Current Vision Rates 2016 Vision Rates (monthly) Member Only $10.40 $10.61 Member + Spouse $16.65 $16.99 Member + Child(ren) $18.00 $18.37 Member + Family $27.40 $27.96 * this rate increase is due to ACA (Affordable Care Act) fee provision. 14

15 2016 Open Enrollment Benefits and Open Enrollment Communication Plan October 5 th October 12 th October 14 th October 14 th 21 st October 26 th October 26 th Midnight November 8 th November 4 th Announcement Release in Benefits and Wellness Newsletter District-wide Formal Employee Memo (including benefit changes and links to videos) Benefits and Wellness Champions Campus Reminder of Open Enrollment Meetings Open Enrollment Meetings (Places-TBD) School Messenger (Voice Message) to ALL District Employees with Open Enrollment Dates Open Enrollment Period Begins Final Notice: School Messenger (Voice Message) to ALL District Employees 15

16 Benefits Committee 2016 Strategy Update

17 Strategy Benefits Update Committee ingagedhealth and ingaged Mobile App Employees on the medical plan: 6,240 Strategy 1: ingagedhealth Annual $7.50 PEPM on Medical Plan $561,600 Program Offset: Annual $2.38 PEPM on Medical Plan ($178,214) Updates: Engagement only targets approx. 350 members (including dependents) Acknowledgement form includes opt-out option for targeted population Return on Investment (ROI): Individual risk scores for at-risk members lowered on average by 39% and gaps in care decrease by 47% in year one Non-Engaged Penalty of $40 remains Strategy 2: ingaged Mobile App Annual $2.00 x 4,000 Members $96,000 Removed non-compliance penalty of $40 (failure to download) 17

18 Benefits Benefits Committee Questions?? 18

19 Benefits Committee Benefits Committee Meetings: Date Time October 14 th 4:30 6pm November 4 th 4:30 6pm December 3 rd 4:30 6pm January 6 th 4:30 6pm February 17 th 4:30 6pm March 2 nd 4:30 6pm April 6 th 4:30 6pm May 4 th 4:30 6pm 19

ONU HEALTH BENEFIT PLANS

ONU HEALTH BENEFIT PLANS 2016 OPEN ENROLLMENT PRESENTATION AVAILABLE ON THE HUMAN RESOURCES WEBSITE AGENDA Plan Review Benchmarking Plan Performance USI 2016 Cost Projection Plan Design Changes & Review