TITLE
Consider a memorandum/resolution to recommend to the Employee Benefits Trust the selection of employee medical and dental insurance benefits effective October 1, 2019.
SUMMARY
DATE: July 16, 2019
TO: Ronald L. Olson, City Manager
FROM: Eva Bark, Executive Director of Human Resources
SUBJECT: RECOMMENDATION TO EMPLOYEE BENEFITS TRUST FOR APPROVAL OF GROUP EMPLOYEE MEDICAL/RX & DENTAL INSURANCE BENEFITS
BACKGROUND AND FINDINGS:
The City of Killeen offers medical and dental insurance as part of its employee benefits package. Currently, of the approximately 1169 eligible employees, approximately 906 enroll in the City medical insurance plan. Approximately 1081 employees elect dental insurance. The City currently pays 100% of the medical and dental care premiums for employee only. Employees may purchase additional medical and dental care coverage for eligible family members or dependents at their added expense. Current carriers for medical and dental insurances are United Health Care (UHC) and Lincoln Financial Group, respectively.
All benefits are reviewed annually to ensure that both the City and employees are receiving the best product for the best price. The City requested renewal quotes from UHC for both fully insured and self-funded platforms in order to obtain the most competitive rates possible inside a rapidly changing environment.
The renewal proposals are as follows:
After a thorough analysis of the medical insurance options, it is requested that the City Council make a recommendation to the City of Killeen Employee Benefit Trust to select the UHC Navigate fully insured plan options for the 2019 plan year. With this selection, the cost for healthcare would increase by 4% and the plan would change from the UHC Choice to UHC Navigate plan design. The main difference between current plan year UHC Choice and proposed UHC Navigate is that insured members will have to be referred by their primary care physician in order to be seen by a...
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