1. Insurance Committee
May 9, 2017

2. Medical Renewal Projection
Projected Reserve Balance $
2,215,324
PY 17 Projected Funding
21,164,161
PY17 Funding + Reserve
23,379,485
PY18 Projected Expenses
22,135,236
PY18 Required Reserve
3,095,900
PY 18 Funding + Reserve
25,231,137
Projected Required Increase (+7.9%)
(1,851,652)

3. Plan Year Premiums
May 23, 2017

4. Plan Design Change Options
$100 x2 Family
$200 x2 Family
$300 x2 Family
Increase deductibles
$316,051
$629,214
$945,265
*Note: Illustrated deductibles assume corresponding increase on the out-of-network benefit relative to OON multiplier.
$500 x2 Family
$1,000 x2 Family
$1,500 x2 Family
Increase OOP Max
$75,063
$133,074
$170,188
*Note: Illustrated out-of-pocket maximums assume corresponding increase on the out-of-network benefit relative to OON multiplier.
Note: illustrated savings calculations assume static enrollment and does not account for enrollment behavior as a result of premium changes.

5. Medical Premiums 2016-17 Premiums 2017-18 Premiums High Option
Individual Only $ $
Individual/Spouse
$ 1,485.14
$ 1,583.16
Individual Children
$ 1,269.80
$ 1,353.61
Individual Family
$ 2,060.03
$ 2,195.99
Base Option $ $
$ 1,124.90
$ 1,199.14 $
$ 1,027.84
$ 1,553.47
$ 1,656.00
CDHP Option $ $ $
$ 1,030.09 $ $
$ 1,283.77
$ 1,422.42

6. Dental Premiums 2016-17 Premium 2017-18 Premium Aetna Dental
Individual Only $
Individual/Spouse $
Individual /Child(ren) $
Individual/Family $
Family Dental Service $ $ $ $ $ $ $ $
 Cigna Dental $ $ $ $

7. Vision Premiums 2016-17 Premium 2017-18 Premium Individual Only $ 7.56
$ 8.24
Individual/Spouse
$15.74
$17.16
Individual /Child(ren)
$14.81
$16.14
Individual/Family
$22.99
$25.06

8. $100 Deductible Increase across all plans Unbalanced rate increase
Assumptions
$100 Deductible Increase across all plans
Unbalanced rate increase
High and Base: 6.6%
CDHP: 10.8%
District Contribution Rate Increase
High, Base and CDHP EE only: 7.5%
CDHP (ES, EC, EF): 12%

9. District Contributions Base, High and CDHP EE only (Proposed)
7.5% increase
Full
Half
If no medical or Individual only medical elected
$567.00
$609.00
$283.50
$304.50
If Individual/Spouse medical elected
$804.00
$864.00
$402.00
$432.00
If Individual/Children medical elected
$661.00
$710.00
$330.50
$355.00
If Individual/Family medical elected
$1,059.00
$1,138.00
$529.50
$569.00

10. District Contributions CDHP (Proposed)
12% increase
Full
Half
If Individual/Spouse medical elected
$804.00
$900.48
$402.00
$450.00
If Individual/Children medical elected
$661.00
$740.32
$330.50
$370.16
If Individual/Family medical elected
$1,059.00
$1,186.08
$529.50
$593.04

11. Individual Enrollments
Out of Pocket Examples
Individual Enrollments
16/17 Monthly
EE out of pocket
17/18 Monthly
Monthly Difference
Annual Difference
CDH, Aetna PPO, Vision
$0.00
CDH, Family Dental, Vision
CDH, Cigna HMO, Vision
Base, Aetna PPO, Vision
$14.72
$8.24
($6.48)
($77.81)
Base, Family Dental, Vision
$29.65
$23.81
($5.84)
($70.13)
Base, Cigna HMO, Vision
High, Aetna PPO, Vision
$175.27
$179.38
$4.11
$49.34
High, Family Dental, Vision
$190.20
$194.95
$4.75
$57.02
High, Cigna HMO, Vision
$153.80
$157.91

12. 16/17 Monthly EE out of pocket
Out of Pocket Examples
Family Enrollments
16/17 Monthly EE out of pocket
17/18 Monthly EE
out of pocket
Monthly Difference
Annual Difference
CDH, Aetna PPO, Vision
$367.43
$381.07
$13.64
$163.64
CDH, Family Dental, Vision
$382.75
$398.01
$15.26
$183.07
CDH, Cigna HMO, Vision
$301.57
$315.21
Base, Aetna PPO, Vision
$637.13
$662.30
$25.17
$302.08
Base, Family Dental, Vision
$652.44
$679.24
$26.79
$321.52
Base, Cigna HMO, Vision
$571.27
$596.44
High, Aetna PPO, Vision
$1,143.68
$1,202.30
$58.61
$703.27
High, Family Dental, Vision
$1,159.00
$1,219.24
$60.23
$722.71
High, Cigna HMO, Vision
$1,077.83
$1,136.44

13. BOE Recommendations Section 125 Dental-ASO Family Dental Services
Move from ASIFlex to BeneFlex
Dental-ASO
Remain with Aetna
Increase annual max from $1,000 to $1,500
No change to premiums or benefits/copays
Family Dental Services
Increase premiums by 1.2%
No changes to benefits/copays
Vision
Remain with EyeMed
9% increase to premiums
No change to benefits/copays

14. BOE Recommendations Medical Premiums Medical Plan Design Changes
To be determined by the Committee
Medical Plan Design Changes
Pharmacy
Variable Copay Program
Out of Pocket Protection Plan

15. Meeting Schedule Thursday, June 1: Thursday, June 15: BOE Work Session
BOE Presentation and Adoption