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HomeMy WebLinkAbout08.c EDB FY25-26 Employee Benefits Renewal Summary – Brown & Brown .. , . j..,,t,,i '' sie.,**r .i.:14.4.1111vey.: ( O. Brown & Brown . -17 3. � 4s ( } . c '4j ClayCountyUtilityAuthority �� `«, ,) . ', , i� r - irtv - I 2025-2026 Employee Benefits Renewal Summary co PcotjA/ s -D-s- /4/7-Y AUK The Cheetah:Since our beginning,we have known that doing what is best for our customers requires constant persistence and vision.The cheetah,which represents vision,swiftness,strength,and agility,embodies our company culture and has served as a symbol for Brown&Brown since the 1980s. 2025 - 2026 Medical Review 2025-2026 Medical Review: CURRENT Inpatient Outpatient Professional Pharmacy Adm Service Total Paid Rank Relationship Diagnosis Description Days its Paid Amt Visits Paid Amt s Paid Amt #of Rx Paid Amt Amt FL Blue recently provided claim reports 1 SUBSCRIBERCY RX;ENCOUNTER FOR ANTINC-0PLASTICCHEMOTHERAPY;MALIGNANT 4 1 $69,244.37 23 $168,004.60 165 $88,100.24 38 $164,527.69 NEOPLASM OF LOWER LOBE,RIGHT BRONCHUS OR LUNG for claims incurred 4/1/2024-3/31/2025, 2 SPOUSE PHARMACY RX;POLYP OF CORPUS UTERI;IRREGULAR MENSTRUATION 0 0 $0.00 1 $12,837.80 13 $3,128.99 13 $89,526.27 $105,493.06 paid 4/1/2024-6/30/2025. 3 SPOUSE PSEUDARTHROSIS AFTER FUSION OR ARTHRODESIS;PHARMACY RX;SPINAL STENOS'S, 1 1 $80,023.31 4 $27.64 48 $7,655.66 52 $5,356.20 $93,062.81 LUMBAR REGION WITHOUT NEUROGENIC CLAUDICATION PHARMACY RX;OTHER RHEUMATOID ARTHRITIS WITH RHEUMATOID FACTOR OF MULTIPLE CCUA continues toperform above 4 SUBSCRIBER SITES;ENCOUNTER FOR GENERAL ADULT MEDICAL EXAMINATION WITHOUT ABNORMAL 0 0 $0.00 0 $0.00 45 $1,023.87 52 $81,924.97 $82,948.84 p FINDINGS benchmark for annual preventive 5 DEPENDENT GESTATIONAL DIABETES MELLITUS IN CHILDBIRTH,DIET CONTROLLED;CHEST PAIN, 2 1 $13,198.21 17 $38,351.24 160 $27,637.98 31 $986.13 $80,173.56 POSTURAL ORTHOSTATIC TACHYCARDIA SYNDROME[POTS] screenings,which is very positive. 6 SPOUSE SYSTEMIC LUPUS ERYTHBVIATOSUS,PHARMACY RX;ACUTE BRONCHITIS 0 0 $0.00 5 $7,355.18 64 $61,518.24 51 $2,247.65 $71,121.07 However,pharmacy utilization has MALIGNANT NEOPLASM OF ANUS,HYPERTENSIVE HEART AND CHRONIC KIDNEY DISEASE 7 SUBSCRIBER CHRONICWITH F KRT FAILURE AND IDNEY DI PHARSTAGE 1 MACY THROUGH STAGE4 CHRONIC KIDNEY DISEASE 7 2 $45,476.98 2 $2,609.73 80 $12,508.57 29 $6,860.28 $67,455.56 decreased slightly from the prior year, but is still a bit high.As you can see there are 8 SUBSCRIBER BREAKDOWN(MECHANICAL)OF CARDIAC ELECTRODE,INITIAL BJCOUNTBT;LONG QT 6 2 $57,473.06 0 $0.00 32 $5,928.61 5 $448.78 $63,850.45 SYNDROME;OTHER MALAISE _ several high-cost claimants with claims PHARMACY RX;OTHER PULMONARY EMBOLISM WITHOUT ACUTE CORPULMONALE; 9 SUBSCRIBER 1 1 $19,052.98 0 $0.00 13 $1,765.32 30 $42,438.48 $63,256.78 paid in excess of$50,000, several of which ESSENTIAL(PRIMARY)HYIU.IENSION 10 DEPENDENT DISRUPTIVE MOOD DYSREGULATION DISORDER;SUICIDAL IDEATIONS;MOOD[AFFECTIVE] 20 3 $47,860.48 2 $2,867.08 76 $11,278.99 20 $2.48 $62,009.03 are projected to be ongoing. DISORDER MAJOR DEPRESSIVE DISORDER,RECURRENT SEVERE WITHOUT PSYCHOTIC FEATURES; 11 DEPENDENT OTHER SPECIFIED DEPRESSIVE EPISODES;ATTENTION-DEFICIT HYPERACTIVITY DISORDER, 23 3 $40,406.95 26 $12,616.93 34 $5,140.95 17 $408.11 $58,572.94 Florida Blue provided an initial renewal of COMBINED TYPE 7%. Brown &Brown negotiated a revised 12 SPOUSE UNILATERAL PRIMARY MELLITUS WITHOUT COMPLICATIONS RTHRITIS,RIGHT HIP,PHARMACY RX;TYPE 2 DIABETES 0 0 $0.00 1 $38,347.64 36 $4,216.01 37 $9,997.59I $52,561.24 g renewal of 1.65%. ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS 202 5 - 2026 Medical Review Current Rates vs. Renewal Best&Final Rates • Initial renewal presented at 7% • Negotiated and final renewal proposal is a 1.65% increase FLORIDA BLUE 100% 100% 90% CURRENT RATES Contributions 75% 72% 70% 100% 100% 90% FLORIDA BLUE Contributions 75% 72% 70% RENEWAL-BFS T AND FINAL BlueOptions HDHP 4 BlueCare HMO 68 BlueOptions 3769 1.1 RATING ANALYSIS EEs HDHP 05180/05181 EEs HMO 68 EEs PPO 03769 RATING ANALYSIS EEs EEs EEs Employee Only 19 $869.73 62 $843.86 16 $999.36 Employee Only 19 $855.62 62 $830.16 16 $983.14 Employee+Spouse 3 $1,983.00 16 r $1,924.01 1 $2,278.55 Employee+Spouse 3 $1,950.81 16 $1,892.78 1 $2,241.56 Employee+Child(ren) 9 $1,739.48 25 v. $1,687.72 4 $1,998.73 Employee+Child(ren) 9 $1,711.24 25 $1,660.33 4 $1,966.29 Full Family 10 $2,783.15 14 r $2,700.36 6 $3,197.97 Full Family 10 $2,737.97 14 $2,656.52 6 $3,146.06 Monthl Premium b Plan 41 r $65,960.69 117 '$163,101.. 27 $45,451.05 Monthly Premium by Plan I $64,890.07 r-117 $160,453.93 27 $44,713.32 TOTAL MONTHLY PREMIUM $274,513.26 TOTAL MONTHLY PREMIUM $270,057.32 Gross Increase/Decrease from Current 1.65% Gross Increase/Decrease from Current - NUAL PREMI III ANNUAL PREMIUM i $3,240,687.8 PREMIUM SHARING PREMIUM SHARING _ Company's Share � Employee Only 19 nthlyr r $869.73 62 r $843.86 16 $899.42 Company's Share(monthly) Employee Only 19 r $855.62 62r $830.16 16 $884.83 Employee+Spouse 3 r $1,704.68 16 r $1,621.57 1 $1,794.86 Employee+Spouse 3 r $1,677.01 16r $1,595.25 1 $1,765.72 Employee+Child(ren) 9 r $1,522.04 25 r $1,451.44 4 $1,598.98 Employee+Child(ren) 9 r $1,497.34 25r $1,427.88 4 $1,573.03 Full Family 10 r $2,304.80 14 r $2,180.54 6 $2,438.45 Full Family 10 r $2,267.38 14 r $2,145.14 6 $2,398.87 Employee's Share(monthly) Employee's Share(monthly) _ Employee Only 19 r $0.00 62 r $0.00 16 $99.94 Employee Only 19 r $0.00 62 r $0.00 16 $98.31 Employee+Spouse 3 r $278.32 16 r $302.44 1 _ $483.69 Employee+Spouse 3 r $273.80 16 r $297.53 1 $475.84 Employee+Child(ren) 9 r $217.44 I 25 r $236.28 4 $399.75 Employee+Child(ren) 9 r $213.91 25 r $232.45 4 $393.26 Full Family 10 r $478.36 14 r $519.82 6 _ $759.52 Full Family 10 r $470.59 14 r $511.38 6 $747.19 $7,575.44 $18,023.57 $8,238.77 $7,452.41 $17,731.06 $8,105.04 COST ANALYSIS COST ANALYSIS Total Monthly Cost $274,513.26 Total Monthly Cost $270,057.32 Payroll Recovery $33,837.78 Payroll Recovery $33,288.51 Company's Net Monthly Cost $240,675.48 - _ Company's Net Cost IM $236,768.81 Net Increase/Decrease from Current 1.65% P. ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS 202 5 - 2026Dental Renewal 2024-2025 Dental Renewal 10/1/2025-9/30/2026 Florida Combined Life Florida Combined Life Summary: Choice Choice Plus Choice Choice Plus BENEFITS SUMMARY Current Final Negotiated Renewal Florida Combined Life has Deductible $50 /$150 $50 / $150 $50 / $150 $50 / $150 provided a flat renewal Annual Maximum $1,500 $1,000 $1,500 $1,000 In-Network (0% increase) for the dental Preventive Services 100% 100% 100% 100% coverage. They have also Basic Services 80% 80% 80% 80% given a 2-year rate guarantee Major Services 50% 50% 50% 50% goo through 9/30/2027. Out-of-Network Preventive Services 80% 100% 80% 100% Basic Services 50% 80% 50% 80% Major Services 50% 50% 50% 50% Out of Network R&C Fee Schedule Based MAC Fee Schedule Based MAC Endo/Perio Benefit Level Basic Basic Basic Basic Orthodontia None 50% None 50% Contract Language None $1,000 None $1,000 Waiting Periods None None None None Rate Guarantee 10/1/2024 10/1/2024 RATING ANALYSIS Employee Only 53 28 $30.58 $34.56 $30.58 $34.56 Employee + Spouse 17 7 $69.62 $83.88 $69.62 $83.88 Employee + Child(ren) 14 11 $54.18 $71.94 $54.18 $71.94 Full Family 26 19 $98.95 $122.84 $98.95 $122.84 Total Monthly Premium 110 65 $6,135.50 $4,680.14 $6,135.50 $4,680.14 $10,815.64 $10,815.64 Total Annual Premium $129,787.68 $129,787.68 Gross Increase/Decrease 0% ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS 2025 - 2026 Vision Renewal 10/1/2025-9/30/2026 Humana Humana 2025-2026 Vision Renewal BENEFIT SUMMARY ' IIIII .irrent Renewal Summary: Benefit Frequency(Months) Exam 12 12 Humana Vision renewal is a flat Lenses 12 12 Frames 24 24 renewal (0% increase) with a rate Contacts(in lieu of glasses) 12 12 guarantee through 9/30/2027. Copayments In Network Exam $10 $10 Materials Copay $15 $15 Frame Allowance $130 Retail $130 Retail Contact Lens Allowance $55+10%off $55+10%off Out-of-Network Allowances Exam $30 $30 Materials Frames $65 $65 Lenses Single Lens $25 $25 Bifocal Lens $40 $40 Trifocal Lens $60 $60 Contact Lenses $0 $0 Rate Summary Employee Only 64 $6.03 $6.03 Employee+Spouse 22 $12.07 $12.07 Employee+Child(ren) 21 $11.46 $11.46 Full Family 33 $18.00 $18.00 Total Monthly Premium 140 $1,486.12 $1,486.12 Total Annual Premium $17,833.44 $17,833.44 Gross Increase/Decrease 0% RATE GUARANTEE 10/1/2027 • ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS 202 5 - 2026 Basic Life /AD &D Renewal 2025-2026 Life Renewal Summary: The USAble Basic Life renewal was a flat renewal (0% increase) with a rate guarantee through 9/30/2027. 10/1/2025-9/30/2026 USAble USAble Basic Life AD&D Basic Life/AD&D BASIC LIFE SUMMARY Current Renewal Basic Life Amount $50,000 $50,000 Guaranteed Issue Amount $50,000 $50,000 Age Reduction Schedule to 65% at age 65,to 50% at age 70,to 25% at age 75 to 65% at age 65,to 50% at age 70,to 25% at age 75 Basic Life Volume $9,925,000 $9,925,000 Basic Life Premium per$1,000 $0.18 $0.18 AD&D Premium per$1,000 $0.04 $0.04 Rate Guarantee 10/1/2027 Estimated Monthly Premium $2,183.50 $2,183.50 Estimated Annual Premium $26,202.00 $26,202.00 Increase/Decrease 0% • ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS 2025 - 2026 Voluntary Life /AD & D Renewal 2025-2026 Life 10/1/2025-9/30/2026 USAble USAble Voluntar Life AD&D Voluntary Life/AD&D Renewal Summary: VOLUNTARY LIFE SUMMARY Renewal Benefit Amount Up to 5x Annual Salary or$500,000 (Increments Up to 5x Annual Salary or$500,000 (Increments The USAble of$10,000) of$10,000) Guaranteed Issue Amount $100,000 $100,000 Voluntary Life Up to$250,000,not to exceed 50%of employee amount Up to$250,000,not to exceed 50%of employee amount Spousal Benefit renewal is a flat (Increments of$5,000) (Increments of$5,000) renewal Spousal Guaranteed Issue $30,000 $30,000 Termination No longer eligible/Retirement No longer eligible/Retirement (0% increase) with a Employee AD&D Rate per$1,000 $0.04 $0.04 rate guarantee Spouse AD&D Rate per$1,000 $0.02 $0.02 through 9/30/2027. Child Benefit $5,000 or$10,000 $5,000 or$10,000 Child Guaranteed Issue $10,000 $10,000 Child Life Rate per$1,000 $0.26 $0.26 Child AD&D Rate per$1,000 $0.01 $0.01 VOLUNTARY LIFE RATE SUMMARY Current Renewal MONTHLY RATE per$1,000 <30 $0.060 $0.060 30-34 $0.090 $0.090 35-39 $0.110 $0.110 40-44 $0.180 $0.180 45-49 $0.300 $0.300 50-54 $0.480 $0.480 55-59 $0.740 $0.740 60-64 $1.030 $1.030 65-69 $1.700 $1.700 70-74 $2.840 $2.840 75+ $5.410 $5.410 Increase/Decrease 0% Rate Guarantee 10/1/2027 • ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS 2025 - 2026 Disability Renewal Short Term Disability Core Long-Term Disability 10/1/2025-9/30/2026 USAble USAble I 10/1/2025-9/30/2026 USAble USAble Short Term Disabilit Short Term Disability Lon•-Term Disabili Long-Term Disability diliii Renewal ent I= illialill %of Weekly Earnings 60% $60 %of Monthly Earnings 60% 60% Maximum Weekly Benefit $750 $750 Maximum Monthly Benefit $6,000 $6,000 Elimination Period 0 Accident/7 Days Sick 0 Accident/7 Days Sick Elimination Period 180 Days 180 Days Benefit Duration 24 Months 24 Months Benefit Duration 26 Weeks 26 Weeks Own Occupation Period 24 Month Max 24 Month Max W-2 Services Included Included Mental&Nervous Disorder 24 Month Max 24 Month Max FICA Match Included Included Substance Abuse Treatment 24 Month Max 24 Month Max Rate Guarantee 10/1/2027 Pre-Exisiting Condition Limitation 3/12 3/12 Rate Guarantee 10/1/2027 Monthly Rate per$10 $0.54 $0.54 ILTD Rat Renewal Covered Weekly Payroll $134,287 $134,287 Monthly Rate per$100 $0.28 $0.28 Estimated Monthly Premium $7,251.50 $7,251.50 Covered Monthly Payroll $1,218,650 $1,218,650 Estimated Annual Premium $87,017.98 $87,017.98 Estimated Monthly Premium $3,412 $3,412 Estimated Annual Premium $40,947 $40,947 Increase/Decrease 0% Increase/Decrease 0% 10/1/2025-9/30/2026 USAble USAble Bu -U Lon!-Term Disabili ` Buy-Up Long-Term Disability LTD SUMMARY %of Monthly Earnings I 60% $60 Maximum Monthly Benefit $6,000 $6,000 USAble STD, Core LTD and Elimination Period 180 Days _ 180 Days Benefit Duration 24 Months 24 Months Buy-Up LTD coverages Own Occupation Period 24 Month Max 24 Month Max received a flat renewal Mental&Nervous Disorder 24 Month Max 24 Month Max Buy-Up Long-Term Disability Substance Abuse Treatment 24 Month Max 24 Month Max (0% increase) with a rate Pre-Exisiting Condition Limitation 3/12 3/12 guarantee through 9/30/2027. Rate Guarantee 10/1/2027 Monthly Rate per$100 $0.30 $0.30 Covered Monthly Payroll $373,000 $373,000 Estimated Monthly Premium $1,119.00 $1,119.00 Estimated Annual Premium $13,428.00 $13,428.00 Increase/Decrease 0% S ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS 2025 - 2026 Em to ee Assistance ProgramEAPp Y October 1, 2025 - September 30, 2026 Number of Employees 185 Current Curalinc Employee Assistance Vendor CuraLinc Program is in rate guarantee Plan Details until 9/30/2027. Evaluation &Assessment: Included Telephone Consultation & Referral: 24/7 365 Counseling Sessions: Up to 5 face-to-face or virtual (per issue, per year) Crisis Management & Response: Included Management Consultation & Referral: Included Identity Theft Consultation: Included Legal Services: 30-minute session I Free telephonic legal advice Financial Services: Financial Consultation Hotline Online EAP: Included Training/Health Fair/Orientation Hours: $225 per hour for training, over 100 customizable one- hour topical training modules available Critical Incident Services (Onsite/Virtual): $225 per hour for onsite clinical response to crisis events Rate Guarantee: 3 years until 9/30/2027 Current One Time Set-up Fee: $0 Per Employee Per Month Fee: $1.64 Estimated Monthly Premiums: $303 Estimated Annual Premiums: $3,641 • ©2019 Brown&Brown,Inc.All rights reserved. WE MAKE YOUR PEOPLE OUR BUSINESS