Saint Mary s College
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1 Saint Mary s College Employee Benefits Advisory Committee (EBAC) September 2016 Meeting # 2 September 13, 2016
2 Agenda EBAC Meeting # 2 September Renewal and Marketing results and discussion 2. Financial and Contributions 3. Communications Plan 4. Wellness Initiative 5. Upcoming Town Hall Discussion and Prep 6. Next Steps and Future Topics 9/13/2016 2
3 EBAC Meeting # 2 September 2016 EBAC Meeting Schedule Benefits Plans: 8/30/2016 9/13/2016 EBAC Meeting # 1 - initial plan results and renewal discussion, Town Hall planning, marketing strategy, communications plan EBAC #2 - make market, carrier & plan design decisions, show how plan designs have evolved over the past 10 years 9/21/2016 Community TOWN HALL 9/27/2016 EBAC #3 - carrier and plan decisions made, discuss financials and contribution scenarios 10/6/2016 EBAC #4 - finalize contributions/financials 11/2/2016 Benefits Festival - Theme: Chinese New Year tbd EBAC #5 - If necessary 9/13/2016 3
4 EBAC Meeting # 2 September 2016 Insurance Basics: Exposure what can be lost, its value Risk probability of a loss / factors to consider Underwriting evaluating the risk factors Cost/Premium = Exposure x Risk + Expense (overhead) 9/13/2016 4
5 EBAC Meeting # 2 September 2016 Group Health Insurance: Exposure cost of provided healthcare to the covered population Risk Factors Advances in technology - Delivery model (Kaiser likely slightly more efficient) Age / Sex Demographics Frequency of claims / Morbidity / Large Claims High cost area / Enrollment Trends / Inflation Political / Compliance Uncertainty 9/13/2016 5
6 Underwriting EBAC Meeting # 2 September 2016 SMC Exposure in 2016 is ~ $9,000,000 SMC Exposure in 2017 is ~ $10,000,000 The only way to impact the total exposure is to improve the related risk factors 9/13/2016 6
7 EBAC Meeting # 2 September 2016 Would a move to all Kaiser save the college money? Last year (in 2015 for 2016) was the first year that Kaiser would even offer a total replacement quote. Expected total cost would have been on-par with total cost. It was determined to be un-acceptable of the disruption it would cause. Here is last year s slide: 9/13/2016 7
8 EBAC Meeting October Health Plan Options: Scenario THREE Kaiser Total Replacement with a PPO option and possibly an HSA. Limits choice, disruptive to 33% of population Rates adjust based on products offered Least expensive (range of -9% to +16%) depending on enrollment Does have a PPO option BUT the employee contribution for the PPO plan must reflect the FULL buy-up cost (No additional college subsidy) 10/21/2015 Tier Est PPP HMO 90%/70% Est PPP PPO Contribution Employee $31.46 $ EE + Spouse $ $ EE + Children $ $ EE + Family $ $583.79
9 EBAC Meeting # 2 September 2016 The Exposure (projected total spend) is only one aspect of the benefits plan. This is why the tenets were developed so that all aspects of the employee benefits plan are considered in the decision making process. 9/13/2016 9
10 Benefits Plans Renewals - History Carrier / Plan EBAC Meeting #1 August 2016 Overall Annual Spend increase in 2016, at current enrollment and plan designs, is about 4.5%. Medical only is 5.6%. Total renewal for 2017 is 9.8% Initial 2017 Updated 2017 Kaiser HMO 1.1% 5.0% 11.55% UHC HMO 12.0% 6.2% 9.0% UHC PPO HSA 14.7% 7.5% 9.0% Delta Dental PPO / UHC Delta Dental DHMO / UHC 0% -3.1% 5.0% 0% -15.6% 2.8% VSP Vision / UHC 0% -36.6% 0% 9/13/
11 EBAC Meeting # 2 September 2016 Medical renewal and marketing, Still in process: Kaiser will get under 10% UHC waiting for competitive data Blue Shield requiring full replacement Health Net is 9/13/
12 EBAC Meeting # 2 September 2016 Dental renewal and marketing, Still in process: Delta Dental will match UHC renewal (+5%) Guardian, Cigna and Premier are about 3% under inforce. Reviewing network match by carrier. 9/13/
13 EBAC Meeting # 2 September 2016 Contribution Strategy Current target is for the college to pay 90% of employee single cost and 70% of employee with dependents; adjusted as appropriate for ease of administration. 9/13/
14 EBAC Meeting November 2015 Contribution Options > Keep contributions at 2015 levels > Adjust back to strict 90/70 methodology > Adjust contributions by overall increase % > Adjust contributions by specific plan renewal % > Adjust by some other scenario 11/4/
15 Contribution History - EBAC Meeting # 2 September AND 2016 based on formula change Kaiser HMO HMO 15 HMO 15 HMO 20 HMO 20 HMO 20 HMO 20 Single Employee $11.07 $11.88 $12.71 $13.60 $31.06 $31.06 Employee + Spouse $ $ $ $ $ $ Employee + Child(ren) $ $ $ $ $ $ Employee + Family $ $ $ $ $ $ change from prior year: NA 7.3% 7.0% 7.0% 28.3% 0.0% Non - KaiserHMO Anthem HMO 15 UHC HMO 20 Single Employee $48.50 $51.56 $34.85 $38.03 $41.48 $41.48 Employee + Spouse $ $ $ $ $ $ Employee + Child(ren) $ $ $ $ $ $ Employee + Family $ $ $ $ $ $ change from prior year: NA 6.3% -32.4% 9.1% 9.1% 0.0% Non-Kaiser HSA Anthem HSA UHC HSA Single Employee $0.00 $0.00 $0.00 $16.10 $31.00 $31.00 Employee + Spouse $ $ $ $ $ $ Employee + Child(ren) $ $ $ $ $ $ Employee + Family $ $ $ $ $ $ change from prior year: NA 9.1% -3.0% 0.0% 21.2% 0.0% 9/13/
16 EBAC Meeting # 2 September Year over year amount and percentage paid by SMC by plan and tier $ % $ % $ % $ % $ % Kaiser Single $ % $ % $ % $ % $ % HMO Employee & Spouse $ % $ % $ % $ % $ % Employee & Child(ren) $ % $ % $ % $ % $ % Employee & Family $1, % $1, % $1, % $1, % $1, % United Single $ % $ % $ % $ % $ % HMO Employee & Spouse $ % $ % $1, % $1, % $1, % Employee & Child(ren) $ % $ % $1, % $1, % $1, % Employee & Family $1, % $1, % $1, % $1, % $2, % United Single $ % $ % $ % $ % $1, % HSA Employee & Spouse $ % $1, % $1, % $1, % $1, % Employee & Child(ren) $ % $ % $1, % $1, % $1, % Employee & Family $1, % $1, % $1, % $2, % $2, % In 2015 adjustment made from blended rates 9/13/
17 EBAC Meeting # 2 September Communications Plan: Once final decisions are made Open Enrollment opens 10/31 thru Nov 18 Paper Theme built around Open Enrollment; Postcard to home, more signage reminders, flyers, etc. Electronic blasts; special OE website with links to vendors and online decision tool Benefits Festival Nov 2 9/13/
18 EBAC Meeting # 2 September 2016 Wellness Initiative Update, Programs for new year: Healthy Cooking Class (WW@W based) Updated website and schedules Neck / Back care session with Tony Kearns Life/Work balance classes (free, provided by MHN) 9/13/
19 Town Hall Logistics: Scheduled for 12:30 in Hagerty Lounge EBAC Meeting # 2 September 2016 Presentation Collaborative Process of EBAC members Formal PPT vs discussion vs Q&A Agenda ideas: What is EBAC, the Process, the tenets? What is coming with the 2017 Renewal Employee Wellness Initiatives Community Questions 9/13/
20 EBAC Meeting # 2 September 2016 Town Hall Preparation: Community Questions appear to focus on: Childcare (3) Benefits Issues Rec Center access 9/13/
21 EBAC Meeting # 2 September 2016 Future Topics: How to prioritize. Wellness Update EdD Proposal Tuition Exchange Childcare on Campus ARC Access 9/13/
22 Next Meetings: EBAC Meeting # 2 September 2016 Town Hall September 21 Hagerty Lounge EBAC #3 September 27 Carrier and Plan Design discussion/decision Financial Review; begin Contribution process Town Hall Agenda finalize 9/13/
23 9/13/
24 EBAC Meeting # 2 September /13/
25 EBAC Meeting #1 August 2016 Estimated Impact of the 2017 Renewal: Estimated Total Spend 2016 (Medical, Dental, Vision only) $10,402,944 Projected Total initial Renewal 9.8% $1,018,727 For 2016, Approximate split between Employer vs Employee ( 80/20 ) Employer Employee $8,322,355 $2,080,589 Available SMC Budget increase = 5% $416,118 NA Shortfall (Projected Renewal minus the Available budget increase) $602,609 Approximate increase needed to employee share 29.0% 9/13/
26 Welcome New EBAC Members EBAC Meeting #1 August 2016 Formed in 2005 as the HIRC to review contribution models. Evolved into the Employee Benefits Advisory Committee (EBAC) in 2013 to provide a forum to address a broader range of employee work-life issues. The EBAC is comprised of members of the Academic Senate, Staff Council and Administration. The EBAC has established a set of tenets that guide its actions. 9/13/
27 EBAC Meeting #1 August 2016 EBAC Tenets Review 9/13/
28 EBAC Meeting #1 August 2016 ACA Update Presidential Politics Edition Clinton/Kaine - Likely represents little change in the ACA or the course of implementation. Wants to repeal the Cadillac Tax, promote price transparency and lower Rx costs. Trump/Pence Repeal the ACA (including the Cadillac tax), replace with expanded tax credits/deductibility, promotes price transparency and Rx importation. 9/13/
29 EBAC Meeting #1 August Plan Review Decisions Made Last Year: No change to Medical plans Maintained ALL employee contribution levels Changed Dental and Vision plans to UHC (saved ~$175,000 in premium/credits) Implemented online decisions tools (Alex) 9/13/
30 UHC Dental/Vision EBAC Meeting November 2015 UHC has proposed taking over the dental and vision policies at slightly less cost but with enhanced network and out-of-network capabilities. Out of 90 th UCR vs MAC Additional 1% savings on medical renewal Dental PPO at -3.1%, DHMO -25%; Vision -35% Combined savings lowers total renewal to 3.9% 9/13/
31 EBAC Meeting #1 August Plan Review Results: Significant service issues with both UHC dental and vision plans Recommendation to re-market all lines, with the thought of returning to Delta Dental and VSP 9/13/
32 Benefits Plans Renewals - History EBAC Meeting #1 August 2016 Carrier / Plan Kaiser HMO 5.7% 1.1% 5.0% 11.55% UHC HMO 22.5% 12.0% 6.2% 9.0% UHC PPO HSA 23.9% 14.7% 7.5% 9.0% Delta Dental PPO / UHC Delta Dental DHMO / UHC Overall Annual Spend increase in 2016, at current enrollment and plan designs, is about 4.5%. Medical only is 5.6%. Total renewal for 2017 is 9.8% 0% 0% -3.1% 5.0% 3.0% 0% -15.6% 2.8% VSP Vision / UHC 0% 0% -36.6% 0% 9/13/
33 Likely Renewal Results: EBAC Meeting #1 August 2016 Kaiser increase down to ~9% - no plan changes Alternative to UHC Medical possible with a small savings Dental and Vision (assume new vendors) cost may be up a bit Aggregate Needed Employee contribution increase ~10% Need to re-balance cost sharing of plans 9/13/
34 Renewal Calendar EBAC Meeting #1 August Sep 27-Sep 6-Oct 25-Oct 31-Oct 2-Nov 18-Nov Nov/Dec 1-Jan Marketing Due Back from Carriers FINAL Carriers and Plan Designs are determined Contributions Finalized Communication materials: Online and printed materials set-up; Colleague is configured OE Begins Benefits Festival OE Closes Data in system(s) is updated, scrubbed, etc. New Plan year Begins 9/13/
35 EBAC Meeting #1 August 2016 Town Hall September 21 12:30, Haggerty Lounge From Dr. Hisham Ahmed, Chair, Academic Senate the Academic Senate would like to ask HR to organize at least one public meeting early in the Fall semester [of 2016] to coincide with the campus budget process to review and to discuss the Tenets to guide recommendations made by EBAC for employee benefits. 9/13/
36 Medical Cost Sheet EBAC Meeting # 2 September 2016 Dental / Vision Cost Sheet 9/13/
37 Medical Cost Sheet EBAC Meeting # 2 September 2016 Dental / Vision Cost Sheet 9/13/
38 EBAC Meeting #1 August /13/
39 EBAC Meeting #1 August /13/
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